Home > EH National Bank > Performance and Condition Ratios
EH National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 2,098 |
| Cost of funding earning assets | 2.8700% | 184 |
| Net interest margin | 2.1148% | 4,364 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 3.4030% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -3.6159% | 4,586 |
| Return on assets (ROA) | -3.6159% | 4,582 |
| Pretax return on assets | -1.3310% | 4,539 |
| Return on Equity (ROE) | -31.9800% | 4,564 |
| Retained earnings to average equity (ytd only) | -31.9808% | 4,546 |
| Net charge-offs to loans | -0.1154% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 164.2350% | 31 |
| Assets per employee ($millions) | 6.2431% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 453 |
| Loan loss allowance to noncurrent loans | 593.0175% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 1,861 |
| Noncurrent loans to loans | 0.3204% | 2,032 |
| Net loans and leases to total assets | 83.7000% | 294 |
| Net loans and leases to deposits | 112.4158% | 158 |
| Net loans and leases to core deposits | 168.4001% | 123 |
| Total domestic deposits to total assets | 74.4500% | 4,073 |
| Equity capital to assets | 9.3315% | 2,468 |
| Core capital (leverage) ratio | 9.3218% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5493% | 2,048 |
| Memoranda: | ||
| Average total assets | $312,926,600 | 2,354 |
| Average earning assets | $298,225,600 | 2,319 |
| Average equity | $35,380,600 | 2,045 |
| Average total loans | $262,599,400 | 1,949 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9222% | 2,017 |
| Cost of funding earning assets | 2.7663% | 171 |
| Net interest margin | 2.1559% | 4,376 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 3.3815% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.8974% | 4,561 |
| Return on assets (ROA) | -0.8974% | 4,555 |
| Pretax return on assets | -1.2821% | 4,568 |
| Return on Equity (ROE) | -7.6300% | 4,525 |
| Retained earnings to average equity (ytd only) | -7.6295% | 4,477 |
| Net charge-offs to loans | -0.2002% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 161.0711% | 33 |
| Assets per employee ($millions) | 6.9578% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 479 |
| Loan loss allowance to noncurrent loans | 473.0019% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 1,685 |
| Noncurrent loans to loans | 0.4009% | 1,826 |
| Net loans and leases to total assets | 82.0200% | 435 |
| Net loans and leases to deposits | 116.3709% | 106 |
| Net loans and leases to core deposits | 175.2113% | 62 |
| Total domestic deposits to total assets | 70.4800% | 4,311 |
| Equity capital to assets | 11.7655% | 1,101 |
| Core capital (leverage) ratio | 9.7530% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5955% | 2,045 |
| Memoranda: | ||
| Average total assets | $317,802,000 | 2,334 |
| Average earning assets | $301,427,250 | 2,299 |
| Average equity | $37,380,500 | 1,952 |
| Average total loans | $265,663,250 | 1,935 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 1,819 |
| Cost of funding earning assets | 2.6757% | 135 |
| Net interest margin | 2.2015% | 4,425 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 3.3741% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.8580% | 4,590 |
| Return on assets (ROA) | -0.8580% | 4,584 |
| Pretax return on assets | -1.2254% | 4,597 |
| Return on Equity (ROE) | -7.2900% | 4,562 |
| Retained earnings to average equity (ytd only) | -7.2950% | 4,473 |
| Net charge-offs to loans | -0.1629% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 157.0313% | 35 |
| Assets per employee ($millions) | 6.8808% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 595 |
| Loan loss allowance to noncurrent loans | 237.2778% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 838 |
| Noncurrent loans to loans | 0.7630% | 994 |
| Net loans and leases to total assets | 81.8400% | 445 |
| Net loans and leases to deposits | 114.9517% | 135 |
| Net loans and leases to core deposits | 172.9600% | 69 |
| Total domestic deposits to total assets | 71.1900% | 4,322 |
| Equity capital to assets | 11.9628% | 1,061 |
| Core capital (leverage) ratio | 9.8560% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9308% | 1,927 |
| Memoranda: | ||
| Average total assets | $321,689,000 | 2,317 |
| Average earning assets | $305,340,667 | 2,281 |
| Average equity | $37,834,333 | 1,946 |
| Average total loans | $268,903,333 | 1,916 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 1,859 |
| Cost of funding earning assets | 2.3690% | 126 |
| Net interest margin | 2.3279% | 4,433 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 3.3297% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.7214% | 4,607 |
| Return on assets (ROA) | -0.7214% | 4,598 |
| Pretax return on assets | -1.0302% | 4,607 |
| Return on Equity (ROE) | -6.1800% | 4,568 |
| Retained earnings to average equity (ytd only) | -6.1835% | 4,372 |
| Net charge-offs to loans | -0.1341% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 144.7983% | 45 |
| Assets per employee ($millions) | 6.7003% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 850 |
| Loan loss allowance to noncurrent loans | 199.3421% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 688 |
| Noncurrent loans to loans | 0.8448% | 904 |
| Net loans and leases to total assets | 82.5000% | 324 |
| Net loans and leases to deposits | 123.4191% | 64 |
| Net loans and leases to core deposits | 186.5981% | 46 |
| Total domestic deposits to total assets | 66.8500% | 4,474 |
| Equity capital to assets | 11.8210% | 1,055 |
| Core capital (leverage) ratio | 9.8798% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8700% | 2,019 |
| Memoranda: | ||
| Average total assets | $327,715,500 | 2,328 |
| Average earning assets | $311,351,500 | 2,287 |
| Average equity | $38,231,000 | 1,954 |
| Average total loans | $274,321,500 | 1,910 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 694 |
| Cost of funding earning assets | 0.8482% | 325 |
| Net interest margin | 3.6718% | 1,449 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 3.3068% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2003% | 4,449 |
| Return on assets (ROA) | 0.2003% | 4,429 |
| Pretax return on assets | 0.2860% | 4,384 |
| Return on Equity (ROE) | 1.6300% | 4,420 |
| Retained earnings to average equity (ytd only) | 1.6280% | 4,067 |
| Net charge-offs to loans | -0.1161% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 92.0385% | 263 |
| Assets per employee ($millions) | 7.4181% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 985 |
| Loan loss allowance to noncurrent loans | 177.9065% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 628 |
| Noncurrent loans to loans | 0.8979% | 827 |
| Net loans and leases to total assets | 82.1700% | 392 |
| Net loans and leases to deposits | 112.3696% | 126 |
| Net loans and leases to core deposits | 123.5937% | 310 |
| Total domestic deposits to total assets | 73.1300% | 4,383 |
| Equity capital to assets | 11.5165% | 1,082 |
| Core capital (leverage) ratio | 10.1491% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5805% | 2,138 |
| Memoranda: | ||
| Average total assets | $314,986,000 | 2,379 |
| Average earning assets | $298,166,400 | 2,347 |
| Average equity | $38,759,800 | 1,963 |
| Average total loans | $256,667,800 | 1,903 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 550 |
| Cost of funding earning assets | 0.5520% | 573 |
| Net interest margin | 3.8769% | 838 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 3.2963% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3614% | 4,304 |
| Return on assets (ROA) | 0.3614% | 4,251 |
| Pretax return on assets | 0.5161% | 4,123 |
| Return on Equity (ROE) | 2.8900% | 4,312 |
| Retained earnings to average equity (ytd only) | 2.8871% | 3,800 |
| Net charge-offs to loans | -0.1014% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.4630% | 445 |
| Assets per employee ($millions) | 6.6834% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 939 |
| Loan loss allowance to noncurrent loans | 169.5669% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.8159% | 612 |
| Noncurrent loans to loans | 0.9800% | 797 |
| Net loans and leases to total assets | 81.8700% | 383 |
| Net loans and leases to deposits | 102.0957% | 300 |
| Net loans and leases to core deposits | 108.4262% | 520 |
| Total domestic deposits to total assets | 80.1900% | 4,081 |
| Equity capital to assets | 12.2960% | 820 |
| Core capital (leverage) ratio | 10.4310% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4905% | 1,879 |
| Memoranda: | ||
| Average total assets | $310,278,500 | 2,417 |
| Average earning assets | $293,458,250 | 2,387 |
| Average equity | $38,838,750 | 1,990 |
| Average total loans | $251,144,000 | 1,934 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 550 |
| Cost of funding earning assets | 0.3644% | 1,159 |
| Net interest margin | 3.8994% | 603 |
| Noninterest income to average assets | 0.0343% | 4,678 |
| Noninterest expense to average assets | 3.2725% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3172% | 4,257 |
| Return on assets (ROA) | 0.3172% | 4,205 |
| Pretax return on assets | 0.4531% | 4,077 |
| Return on Equity (ROE) | 2.5186% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.5186% | 3,614 |
| Net charge-offs to loans | -0.1671% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8388% | 494 |
| Assets per employee ($millions) | 6.5563% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 910 |
| Loan loss allowance to noncurrent loans | 183.1234% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 657 |
| Noncurrent loans to loans | 0.9459% | 884 |
| Net loans and leases to total assets | 82.0539% | 284 |
| Net loans and leases to deposits | 100.3825% | 261 |
| Net loans and leases to core deposits | 105.7190% | 462 |
| Total domestic deposits to total assets | 81.7412% | 4,042 |
| Equity capital to assets | 12.8130% | 698 |
| Core capital (leverage) ratio | 10.8824% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0457% | 1,692 |
| Memoranda: | ||
| Average total assets | $308,998,333 | 2,440 |
| Average earning assets | $292,504,667 | 2,419 |
| Average equity | $38,910,333 | 2,044 |
| Average total loans | $247,684,667 | 1,951 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 361 |
| Cost of funding earning assets | 0.3364% | 1,317 |
| Net interest margin | 4.0972% | 339 |
| Noninterest income to average assets | 0.0576% | 4,640 |
| Noninterest expense to average assets | 3.1698% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5373% | 3,604 |
| Return on assets (ROA) | 0.5373% | 3,571 |
| Pretax return on assets | 0.7675% | 3,205 |
| Return on Equity (ROE) | 4.3028% | 3,804 |
| Retained earnings to average equity (ytd only) | 4.3028% | 2,839 |
| Net charge-offs to loans | -0.0717% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5068% | 1,109 |
| Assets per employee ($millions) | 6.6859% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 1,014 |
| Loan loss allowance to noncurrent loans | 186.6667% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 392 |
| Noncurrent loans to loans | 0.9242% | 989 |
| Net loans and leases to total assets | 77.7941% | 389 |
| Net loans and leases to deposits | 91.9205% | 433 |
| Net loans and leases to core deposits | 96.7485% | 625 |
| Total domestic deposits to total assets | 84.6319% | 3,627 |
| Equity capital to assets | 12.6983% | 760 |
| Core capital (leverage) ratio | 10.7378% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5107% | 1,643 |
| Memoranda: | ||
| Average total assets | $312,701,500 | 2,434 |
| Average earning assets | $296,102,500 | 2,415 |
| Average equity | $39,044,000 | 2,094 |
| Average total loans | $245,612,000 | 1,958 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 1,623 |
| Cost of funding earning assets | 0.3368% | 2,057 |
| Net interest margin | 3.5604% | 1,574 |
| Noninterest income to average assets | 0.2000% | 4,165 |
| Noninterest expense to average assets | 3.1271% | 817 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3259% | 4,390 |
| Return on assets (ROA) | 0.3259% | 4,411 |
| Pretax return on assets | 0.4653% | 4,302 |
| Return on Equity (ROE) | 2.7184% | 4,409 |
| Retained earnings to average equity (ytd only) | 2.7184% | 3,752 |
| Net charge-offs to loans | -0.2478% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0471% | 425 |
| Assets per employee ($millions) | 7.2239% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 1,100 |
| Loan loss allowance to noncurrent loans | 112.1457% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.1656% | 432 |
| Noncurrent loans to loans | 1.4954% | 606 |
| Net loans and leases to total assets | 76.6434% | 470 |
| Net loans and leases to deposits | 89.2950% | 593 |
| Net loans and leases to core deposits | 94.0903% | 778 |
| Total domestic deposits to total assets | 85.8317% | 2,964 |
| Equity capital to assets | 12.2806% | 1,143 |
| Core capital (leverage) ratio | 10.7463% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7615% | 1,597 |
| Memoranda: | ||
| Average total assets | $321,926,000 | 2,333 |
| Average earning assets | $306,738,600 | 2,297 |
| Average equity | $38,588,200 | 2,131 |
| Average total loans | $235,704,800 | 2,016 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 1,806 |
| Cost of funding earning assets | 0.3409% | 2,197 |
| Net interest margin | 3.5424% | 1,753 |
| Noninterest income to average assets | 0.2469% | 3,918 |
| Noninterest expense to average assets | 3.1241% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3493% | 4,446 |
| Return on assets (ROA) | 0.3493% | 4,477 |
| Pretax return on assets | 0.4991% | 4,374 |
| Return on Equity (ROE) | 2.9316% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.9316% | 3,931 |
| Net charge-offs to loans | -0.4573% | 4,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2238% | 425 |
| Assets per employee ($millions) | 6.9521% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 920 |
| Loan loss allowance to noncurrent loans | 65.1461% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 2.2439% | 152 |
| Noncurrent loans to loans | 2.7672% | 250 |
| Net loans and leases to total assets | 79.6283% | 313 |
| Net loans and leases to deposits | 99.4489% | 237 |
| Net loans and leases to core deposits | 106.2024% | 401 |
| Total domestic deposits to total assets | 80.0695% | 4,220 |
| Equity capital to assets | 13.0160% | 974 |
| Core capital (leverage) ratio | 11.1650% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8699% | 1,659 |
| Memoranda: | ||
| Average total assets | $322,945,000 | 2,355 |
| Average earning assets | $307,805,250 | 2,318 |
| Average equity | $38,476,750 | 2,163 |
| Average total loans | $232,689,500 | 2,071 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 2,380 |
| Cost of funding earning assets | 0.3432% | 2,375 |
| Net interest margin | 3.3417% | 2,325 |
| Noninterest income to average assets | 0.3221% | 3,499 |
| Noninterest expense to average assets | 3.0319% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3360% | 4,483 |
| Return on assets (ROA) | 0.3360% | 4,508 |
| Pretax return on assets | 0.4798% | 4,419 |
| Return on Equity (ROE) | 2.9009% | 4,491 |
| Retained earnings to average equity (ytd only) | 2.9009% | 3,865 |
| Net charge-offs to loans | -0.2981% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3363% | 460 |
| Assets per employee ($millions) | 7.7325% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,126 |
| Loan loss allowance to noncurrent loans | 55.1360% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 2.1344% | 192 |
| Noncurrent loans to loans | 3.0254% | 239 |
| Net loans and leases to total assets | 69.3737% | 1,277 |
| Net loans and leases to deposits | 85.1767% | 969 |
| Net loans and leases to core deposits | 90.5059% | 1,107 |
| Total domestic deposits to total assets | 81.4469% | 4,021 |
| Equity capital to assets | 11.6082% | 1,567 |
| Core capital (leverage) ratio | 10.2069% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7257% | 1,714 |
| Memoranda: | ||
| Average total assets | $330,947,000 | 2,299 |
| Average earning assets | $315,889,000 | 2,258 |
| Average equity | $38,332,333 | 2,159 |
| Average total loans | $229,449,333 | 2,099 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 2,456 |
| Cost of funding earning assets | 0.3692% | 2,362 |
| Net interest margin | 3.2965% | 2,402 |
| Noninterest income to average assets | 0.3744% | 3,225 |
| Noninterest expense to average assets | 3.0324% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3429% | 4,460 |
| Return on assets (ROA) | 0.3429% | 4,494 |
| Pretax return on assets | 0.4894% | 4,369 |
| Return on Equity (ROE) | 2.9634% | 4,476 |
| Retained earnings to average equity (ytd only) | 2.9634% | 3,793 |
| Net charge-offs to loans | -0.0582% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1025% | 507 |
| Assets per employee ($millions) | 8.9687% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 1,301 |
| Loan loss allowance to noncurrent loans | 49.3093% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.9409% | 269 |
| Noncurrent loans to loans | 3.2427% | 230 |
| Net loans and leases to total assets | 58.8972% | 2,690 |
| Net loans and leases to deposits | 67.8180% | 2,720 |
| Net loans and leases to core deposits | 71.2881% | 2,762 |
| Total domestic deposits to total assets | 86.8460% | 2,371 |
| Equity capital to assets | 10.1647% | 2,545 |
| Core capital (leverage) ratio | 10.8641% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6677% | 1,391 |
| Memoranda: | ||
| Average total assets | $330,171,000 | 2,287 |
| Average earning assets | $315,242,500 | 2,247 |
| Average equity | $38,200,000 | 2,154 |
| Average total loans | $226,884,000 | 2,113 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 1,857 |
| Cost of funding earning assets | 0.7679% | 1,356 |
| Net interest margin | 3.5368% | 2,347 |
| Noninterest income to average assets | 0.2554% | 3,956 |
| Noninterest expense to average assets | 3.4756% | 718 |
| Loan and lease loss provision to assets | 0.0678% | 3,531 |
| Net operating income to assets | 0.0165% | 4,723 |
| Return on assets (ROA) | 0.0165% | 4,761 |
| Pretax return on assets | 0.0236% | 4,747 |
| Return on Equity (ROE) | 0.1161% | 4,762 |
| Retained earnings to average equity (ytd only) | 0.1161% | 4,488 |
| Net charge-offs to loans | 0.0537% | 2,016 |
| Credit loss provision to net charge-offs | 158.7719% | 2,376 |
| Earnings coverage of net charge-offs (x) | 2.1404% | 3,193 |
| Efficiency ratio | 97.4383% | 213 |
| Assets per employee ($millions) | 6.3035% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,387 |
| Loan loss allowance to noncurrent loans | 45.6650% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.7569% | 148 |
| Noncurrent loans to loans | 3.4252% | 211 |
| Net loans and leases to total assets | 79.2277% | 482 |
| Net loans and leases to deposits | 99.3638% | 401 |
| Net loans and leases to core deposits | 107.0921% | 601 |
| Total domestic deposits to total assets | 79.7350% | 4,086 |
| Equity capital to assets | 13.4356% | 951 |
| Core capital (leverage) ratio | 10.8469% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5236% | 1,675 |
| Memoranda: | ||
| Average total assets | $267,035,200 | 2,480 |
| Average earning assets | $250,026,000 | 2,470 |
| Average equity | $37,883,600 | 2,095 |
| Average total loans | $212,234,000 | 2,150 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 2,219 |
| Cost of funding earning assets | 0.8692% | 1,182 |
| Net interest margin | 3.3922% | 2,948 |
| Noninterest income to average assets | 0.1927% | 4,321 |
| Noninterest expense to average assets | 3.4854% | 723 |
| Loan and lease loss provision to assets | 0.0841% | 3,262 |
| Net operating income to assets | -0.1471% | 4,827 |
| Return on assets (ROA) | -0.1471% | 4,839 |
| Pretax return on assets | -0.2100% | 4,838 |
| Return on Equity (ROE) | -1.0222% | 4,835 |
| Retained earnings to average equity (ytd only) | -1.0222% | 4,617 |
| Net charge-offs to loans | -0.0077% | 4,162 |
| Credit loss provision to net charge-offs | -1,383.3333% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7440% | 142 |
| Assets per employee ($millions) | 6.4037% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 1,045 |
| Loan loss allowance to noncurrent loans | 49.4029% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.6451% | 187 |
| Noncurrent loans to loans | 3.2779% | 267 |
| Net loans and leases to total assets | 79.3891% | 671 |
| Net loans and leases to deposits | 99.0055% | 575 |
| Net loans and leases to core deposits | 107.8128% | 775 |
| Total domestic deposits to total assets | 80.1866% | 3,823 |
| Equity capital to assets | 13.4236% | 1,021 |
| Core capital (leverage) ratio | 11.3681% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5675% | 1,356 |
| Memoranda: | ||
| Average total assets | $262,879,750 | 2,492 |
| Average earning assets | $245,419,250 | 2,479 |
| Average equity | $37,826,750 | 2,094 |
| Average total loans | $208,216,000 | 2,174 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 2,161 |
| Cost of funding earning assets | 1.0173% | 935 |
| Net interest margin | 3.4009% | 3,105 |
| Noninterest income to average assets | 0.1777% | 4,402 |
| Noninterest expense to average assets | 3.5863% | 669 |
| Loan and lease loss provision to assets | 0.1294% | 2,726 |
| Net operating income to assets | -0.2642% | 4,871 |
| Return on assets (ROA) | -0.2642% | 4,870 |
| Pretax return on assets | -0.3773% | 4,878 |
| Return on Equity (ROE) | -1.7923% | 4,868 |
| Retained earnings to average equity (ytd only) | -1.7923% | 4,567 |
| Net charge-offs to loans | 0.0357% | 2,024 |
| Credit loss provision to net charge-offs | 461.1111% | 1,291 |
| Earnings coverage of net charge-offs (x) | -8.8333% | 2,982 |
| Efficiency ratio | 107.4247% | 126 |
| Assets per employee ($millions) | 6.6387% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 821 |
| Loan loss allowance to noncurrent loans | 107.2293% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 856 |
| Noncurrent loans to loans | 1.5812% | 939 |
| Net loans and leases to total assets | 77.4072% | 933 |
| Net loans and leases to deposits | 101.2178% | 481 |
| Net loans and leases to core deposits | 111.8809% | 669 |
| Total domestic deposits to total assets | 76.4758% | 4,381 |
| Equity capital to assets | 13.8470% | 890 |
| Core capital (leverage) ratio | 11.7215% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4175% | 1,150 |
| Memoranda: | ||
| Average total assets | $256,585,000 | 2,501 |
| Average earning assets | $238,469,667 | 2,501 |
| Average equity | $37,828,000 | 2,089 |
| Average total loans | $201,830,667 | 2,207 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 2,048 |
| Cost of funding earning assets | 1.2100% | 751 |
| Net interest margin | 3.3724% | 3,391 |
| Noninterest income to average assets | 0.1109% | 4,787 |
| Noninterest expense to average assets | 3.6916% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.3264% | 4,892 |
| Return on assets (ROA) | -0.3264% | 4,865 |
| Pretax return on assets | -0.4663% | 4,881 |
| Return on Equity (ROE) | -2.1426% | 4,842 |
| Retained earnings to average equity (ytd only) | -2.1426% | 4,272 |
| Net charge-offs to loans | 0.1473% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -4.0278% | 2,513 |
| Efficiency ratio | 114.4566% | 125 |
| Assets per employee ($millions) | 5.8846% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7441% | 797 |
| Loan loss allowance to noncurrent loans | 104.8900% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.5873% | 649 |
| Noncurrent loans to loans | 1.6627% | 926 |
| Net loans and leases to total assets | 78.2316% | 946 |
| Net loans and leases to deposits | 109.5002% | 195 |
| Net loans and leases to core deposits | 128.2117% | 297 |
| Total domestic deposits to total assets | 71.4443% | 4,799 |
| Equity capital to assets | 15.3116% | 706 |
| Core capital (leverage) ratio | 12.9940% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0328% | 1,593 |
| Memoranda: | ||
| Average total assets | $248,783,500 | 2,500 |
| Average earning assets | $229,744,500 | 2,498 |
| Average equity | $37,897,000 | 2,076 |
| Average total loans | $195,582,500 | 2,219 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3657% | 717 |
| Cost of funding earning assets | 1.5075% | 386 |
| Net interest margin | 3.8582% | 2,311 |
| Noninterest income to average assets | 0.0944% | 4,943 |
| Noninterest expense to average assets | 3.8528% | 625 |
| Loan and lease loss provision to assets | -0.0988% | 5,080 |
| Net operating income to assets | -0.0742% | 4,996 |
| Return on assets (ROA) | -0.0742% | 5,006 |
| Pretax return on assets | -0.1059% | 5,006 |
| Return on Equity (ROE) | -0.4453% | 5,005 |
| Retained earnings to average equity (ytd only) | -0.4453% | 4,761 |
| Net charge-offs to loans | -0.1003% | 4,954 |
| Credit loss provision to net charge-offs | 125.0000% | 2,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6111% | 127 |
| Assets per employee ($millions) | 6.2604% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8026% | 652 |
| Loan loss allowance to noncurrent loans | 96.5821% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.9504% | 413 |
| Noncurrent loans to loans | 1.8664% | 713 |
| Net loans and leases to total assets | 76.2247% | 1,370 |
| Net loans and leases to deposits | 116.0592% | 113 |
| Net loans and leases to core deposits | 138.7175% | 184 |
| Total domestic deposits to total assets | 65.6774% | 5,030 |
| Equity capital to assets | 15.1552% | 759 |
| Core capital (leverage) ratio | 13.3156% | 1,108 |
| Tier 1 risk-based capital ratio | 14.8988% | 2,824 |
| Total risk-based capital ratio | 16.1552% | 2,758 |
| Memoranda: | ||
| Average total assets | $227,652,800 | 2,597 |
| Average earning assets | $209,684,200 | 2,605 |
| Average equity | $37,955,600 | 2,009 |
| Average total loans | $179,490,200 | 2,322 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 812 |
| Cost of funding earning assets | 1.5493% | 349 |
| Net interest margin | 3.7810% | 2,653 |
| Noninterest income to average assets | 0.0733% | 5,064 |
| Noninterest expense to average assets | 3.9249% | 579 |
| Loan and lease loss provision to assets | -0.1352% | 5,188 |
| Net operating income to assets | -0.1574% | 5,098 |
| Return on assets (ROA) | -0.1574% | 5,104 |
| Pretax return on assets | -0.2247% | 5,107 |
| Return on Equity (ROE) | -0.9203% | 5,096 |
| Retained earnings to average equity (ytd only) | -0.9203% | 4,854 |
| Net charge-offs to loans | -0.0880% | 4,971 |
| Credit loss provision to net charge-offs | 193.9655% | 1,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0927% | 104 |
| Assets per employee ($millions) | 5.9238% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8296% | 640 |
| Loan loss allowance to noncurrent loans | 70.6076% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 2.4132% | 300 |
| Noncurrent loans to loans | 2.5913% | 432 |
| Net loans and leases to total assets | 77.8959% | 1,158 |
| Net loans and leases to deposits | 120.1066% | 95 |
| Net loans and leases to core deposits | 142.9905% | 156 |
| Total domestic deposits to total assets | 64.8556% | 5,110 |
| Equity capital to assets | 16.0088% | 632 |
| Core capital (leverage) ratio | 13.6711% | 1,088 |
| Tier 1 risk-based capital ratio | 15.5746% | 2,612 |
| Total risk-based capital ratio | 16.8315% | 2,550 |
| Memoranda: | ||
| Average total assets | $221,962,250 | 2,664 |
| Average earning assets | $204,986,500 | 2,673 |
| Average equity | $37,956,750 | 2,026 |
| Average total loans | $175,767,250 | 2,386 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5699% | 499 |
| Cost of funding earning assets | 1.5354% | 338 |
| Net interest margin | 4.0345% | 1,816 |
| Noninterest income to average assets | 0.0682% | 5,117 |
| Noninterest expense to average assets | 3.9748% | 554 |
| Loan and lease loss provision to assets | -0.2074% | 5,255 |
| Net operating income to assets | 0.0147% | 5,095 |
| Return on assets (ROA) | 0.0147% | 5,104 |
| Pretax return on assets | 0.0212% | 5,101 |
| Return on Equity (ROE) | 0.0843% | 5,107 |
| Retained earnings to average equity (ytd only) | 0.0843% | 4,667 |
| Net charge-offs to loans | -0.5836% | 5,234 |
| Credit loss provision to net charge-offs | 44.9102% | 2,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9148% | 123 |
| Assets per employee ($millions) | 5.7089% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1116% | 389 |
| Loan loss allowance to noncurrent loans | 82.6811% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 2.1878% | 388 |
| Noncurrent loans to loans | 2.5539% | 457 |
| Net loans and leases to total assets | 77.6317% | 1,288 |
| Net loans and leases to deposits | 115.9077% | 118 |
| Net loans and leases to core deposits | 138.7237% | 207 |
| Total domestic deposits to total assets | 66.9771% | 5,133 |
| Equity capital to assets | 16.7183% | 503 |
| Core capital (leverage) ratio | 14.3159% | 875 |
| Tier 1 risk-based capital ratio | 16.3220% | 2,296 |
| Total risk-based capital ratio | 17.5826% | 2,235 |
| Memoranda: | ||
| Average total assets | $216,966,000 | 2,719 |
| Average earning assets | $200,074,330 | 2,737 |
| Average equity | $37,964,670 | 2,021 |
| Average total loans | $171,684,670 | 2,439 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 2,299 |
| Cost of funding earning assets | 1.4323% | 405 |
| Net interest margin | 3.2454% | 4,293 |
| Noninterest income to average assets | 0.1969% | 4,579 |
| Noninterest expense to average assets | 4.1842% | 412 |
| Loan and lease loss provision to assets | -0.4260% | 5,338 |
| Net operating income to assets | -0.4033% | 5,241 |
| Return on assets (ROA) | -0.4033% | 5,237 |
| Pretax return on assets | -0.5756% | 5,248 |
| Return on Equity (ROE) | -2.2505% | 5,223 |
| Retained earnings to average equity (ytd only) | -2.2505% | 4,765 |
| Net charge-offs to loans | -0.3234% | 5,225 |
| Credit loss provision to net charge-offs | 166.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.4694% | 55 |
| Assets per employee ($millions) | 5.4130% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0265% | 474 |
| Loan loss allowance to noncurrent loans | 61.3080% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 2.6058% | 283 |
| Noncurrent loans to loans | 3.3055% | 293 |
| Net loans and leases to total assets | 77.2335% | 1,285 |
| Net loans and leases to deposits | 123.9988% | 64 |
| Net loans and leases to core deposits | 144.0796% | 156 |
| Total domestic deposits to total assets | 62.2857% | 5,260 |
| Equity capital to assets | 17.4658% | 391 |
| Core capital (leverage) ratio | 15.1451% | 666 |
| Tier 1 risk-based capital ratio | 17.0286% | 2,098 |
| Total risk-based capital ratio | 18.2895% | 2,038 |
| Memoranda: | ||
| Average total assets | $211,272,000 | 2,797 |
| Average earning assets | $194,368,500 | 2,811 |
| Average equity | $37,858,500 | 2,022 |
| Average total loans | $166,977,500 | 2,499 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3957% | 102 |
| Cost of funding earning assets | 0.9607% | 882 |
| Net interest margin | 5.4350% | 123 |
| Noninterest income to average assets | 0.2704% | 4,297 |
| Noninterest expense to average assets | 4.7944% | 238 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 4.4129% | 42 |
| Return on assets (ROA) | 4.4129% | 42 |
| Pretax return on assets | 0.5429% | 4,731 |
| Return on Equity (ROE) | 25.8781% | 80 |
| Retained earnings to average equity (ytd only) | 25.8781% | 20 |
| Net charge-offs to loans | 0.0656% | 2,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 10.3673% | 2,727 |
| Efficiency ratio | 89.8278% | 350 |
| Assets per employee ($millions) | 5.7229% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1731% | 350 |
| Loan loss allowance to noncurrent loans | 50.3262% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 3.4219% | 158 |
| Noncurrent loans to loans | 4.3180% | 154 |
| Net loans and leases to total assets | 77.5259% | 1,349 |
| Net loans and leases to deposits | 129.3568% | 50 |
| Net loans and leases to core deposits | 142.8577% | 172 |
| Total domestic deposits to total assets | 59.9319% | 5,315 |
| Equity capital to assets | 18.3959% | 311 |
| Core capital (leverage) ratio | 17.6124% | 361 |
| Tier 1 risk-based capital ratio | 18.0596% | 1,742 |
| Total risk-based capital ratio | 19.3221% | 1,697 |
| Memoranda: | ||
| Average total assets | $187,134,800 | 2,985 |
| Average earning assets | $174,461,600 | 2,987 |
| Average equity | $31,911,200 | 2,224 |
| Average total loans | $149,392,000 | 2,649 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3700% | 99 |
| Cost of funding earning assets | 0.9024% | 912 |
| Net interest margin | 5.4676% | 109 |
| Noninterest income to average assets | 0.2777% | 4,293 |
| Noninterest expense to average assets | 4.8526% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5453% | 4,655 |
| Return on assets (ROA) | 0.5453% | 4,662 |
| Pretax return on assets | 0.5445% | 4,827 |
| Return on Equity (ROE) | 3.2703% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.2703% | 4,111 |
| Net charge-offs to loans | 0.3372% | 493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.0190% | 3,290 |
| Efficiency ratio | 89.9106% | 327 |
| Assets per employee ($millions) | 4.9779% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3344% | 293 |
| Loan loss allowance to noncurrent loans | 44.7616% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 4.2020% | 114 |
| Noncurrent loans to loans | 5.2151% | 116 |
| Net loans and leases to total assets | 78.6926% | 1,219 |
| Net loans and leases to deposits | 109.1889% | 314 |
| Net loans and leases to core deposits | 115.1865% | 752 |
| Total domestic deposits to total assets | 72.0702% | 5,127 |
| Equity capital to assets | 17.2879% | 403 |
| Core capital (leverage) ratio | 17.6557% | 360 |
| Tier 1 risk-based capital ratio | 21.3039% | 1,140 |
| Total risk-based capital ratio | 22.5689% | 1,120 |
| Memoranda: | ||
| Average total assets | $182,412,500 | 3,056 |
| Average earning assets | $170,796,500 | 3,042 |
| Average equity | $30,414,000 | 2,319 |
| Average total loans | $145,922,500 | 2,707 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4775% | 81 |
| Cost of funding earning assets | 0.8738% | 811 |
| Net interest margin | 5.6037% | 99 |
| Noninterest income to average assets | 0.4451% | 3,187 |
| Noninterest expense to average assets | 4.8439% | 231 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8394% | 3,721 |
| Return on assets (ROA) | 0.8394% | 3,720 |
| Pretax return on assets | 0.8383% | 4,138 |
| Return on Equity (ROE) | 5.0931% | 4,526 |
| Retained earnings to average equity (ytd only) | 5.0931% | 3,023 |
| Net charge-offs to loans | 0.7796% | 178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.3472% | 3,073 |
| Efficiency ratio | 85.2471% | 615 |
| Assets per employee ($millions) | 5.0904% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 398 |
| Loan loss allowance to noncurrent loans | 49.9512% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 3.4508% | 185 |
| Noncurrent loans to loans | 4.3323% | 190 |
| Net loans and leases to total assets | 77.9276% | 1,329 |
| Net loans and leases to deposits | 115.1856% | 173 |
| Net loans and leases to core deposits | 119.7621% | 569 |
| Total domestic deposits to total assets | 67.6540% | 5,345 |
| Equity capital to assets | 17.1241% | 392 |
| Core capital (leverage) ratio | 17.2393% | 370 |
| Tier 1 risk-based capital ratio | 20.2575% | 1,279 |
| Total risk-based capital ratio | 21.5199% | 1,250 |
| Memoranda: | ||
| Average total assets | $185,141,330 | 3,048 |
| Average earning assets | $173,029,330 | 3,031 |
| Average equity | $30,512,000 | 2,319 |
| Average total loans | $147,770,000 | 2,696 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2811% | 50 |
| Cost of funding earning assets | 0.8055% | 926 |
| Net interest margin | 6.4756% | 48 |
| Noninterest income to average assets | 0.4962% | 2,826 |
| Noninterest expense to average assets | 5.0681% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4038% | 1,328 |
| Return on assets (ROA) | 1.4038% | 1,334 |
| Pretax return on assets | 1.4971% | 1,688 |
| Return on Equity (ROE) | 8.6781% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.6781% | 1,589 |
| Net charge-offs to loans | 0.1221% | 1,056 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 15.3478% | 1,666 |
| Efficiency ratio | 77.1964% | 1,434 |
| Assets per employee ($millions) | 5.7024% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4428% | 268 |
| Loan loss allowance to noncurrent loans | 53.6582% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 3.6777% | 188 |
| Noncurrent loans to loans | 4.5525% | 188 |
| Net loans and leases to total assets | 78.8106% | 1,115 |
| Net loans and leases to deposits | 112.1175% | 204 |
| Net loans and leases to core deposits | 116.2371% | 720 |
| Total domestic deposits to total assets | 70.2929% | 5,355 |
| Equity capital to assets | 16.7659% | 417 |
| Core capital (leverage) ratio | 16.7939% | 407 |
| Tier 1 risk-based capital ratio | 19.4933% | 1,438 |
| Total risk-based capital ratio | 20.7592% | 1,405 |
| Memoranda: | ||
| Average total assets | $188,630,000 | 3,049 |
| Average earning assets | $176,787,000 | 3,028 |
| Average equity | $30,513,500 | 2,336 |
| Average total loans | $150,700,000 | 2,678 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 574 |
| Cost of funding earning assets | 0.7706% | 735 |
| Net interest margin | 4.2897% | 982 |
| Noninterest income to average assets | 0.7370% | 1,814 |
| Noninterest expense to average assets | 4.0945% | 473 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5919% | 4,045 |
| Return on assets (ROA) | 0.5919% | 4,085 |
| Pretax return on assets | 0.6527% | 4,623 |
| Return on Equity (ROE) | 4.3221% | 4,398 |
| Retained earnings to average equity (ytd only) | 4.3221% | 2,557 |
| Net charge-offs to loans | 0.2057% | 1,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.1490% | 3,511 |
| Efficiency ratio | 86.2501% | 627 |
| Assets per employee ($millions) | 5.9025% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3684% | 292 |
| Loan loss allowance to noncurrent loans | 55.3919% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 3.3802% | 204 |
| Noncurrent loans to loans | 4.2757% | 208 |
| Net loans and leases to total assets | 77.1837% | 1,396 |
| Net loans and leases to deposits | 101.7502% | 617 |
| Net loans and leases to core deposits | 108.5088% | 1,097 |
| Total domestic deposits to total assets | 75.8561% | 4,990 |
| Equity capital to assets | 15.6241% | 563 |
| Core capital (leverage) ratio | 15.5671% | 531 |
| Tier 1 risk-based capital ratio | 18.7248% | 1,584 |
| Total risk-based capital ratio | 19.9899% | 1,533 |
| Memoranda: | ||
| Average total assets | $221,835,800 | 2,712 |
| Average earning assets | $207,379,600 | 2,694 |
| Average equity | $30,378,400 | 2,332 |
| Average total loans | $169,647,200 | 2,426 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 864 |
| Cost of funding earning assets | 0.7739% | 672 |
| Net interest margin | 4.0613% | 1,506 |
| Noninterest income to average assets | 0.7985% | 1,602 |
| Noninterest expense to average assets | 3.8873% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6538% | 4,176 |
| Return on assets (ROA) | 0.6538% | 4,228 |
| Pretax return on assets | 0.7063% | 4,595 |
| Return on Equity (ROE) | 4.9223% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.9223% | 2,940 |
| Net charge-offs to loans | -0.3426% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6242% | 711 |
| Assets per employee ($millions) | 5.9424% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7647% | 193 |
| Loan loss allowance to noncurrent loans | 68.7829% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 3.1963% | 272 |
| Noncurrent loans to loans | 4.0194% | 242 |
| Net loans and leases to total assets | 77.3241% | 1,378 |
| Net loans and leases to deposits | 95.5453% | 1,150 |
| Net loans and leases to core deposits | 102.2977% | 1,524 |
| Total domestic deposits to total assets | 80.9293% | 4,064 |
| Equity capital to assets | 15.1804% | 693 |
| Core capital (leverage) ratio | 14.7129% | 720 |
| Tier 1 risk-based capital ratio | 18.1545% | 1,815 |
| Total risk-based capital ratio | 19.4250% | 1,764 |
| Memoranda: | ||
| Average total assets | $228,599,250 | 2,673 |
| Average earning assets | $213,621,500 | 2,651 |
| Average equity | $30,364,750 | 2,352 |
| Average total loans | $173,562,250 | 2,403 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 850 |
| Cost of funding earning assets | 0.7701% | 617 |
| Net interest margin | 4.0374% | 1,493 |
| Noninterest income to average assets | 0.8212% | 1,494 |
| Noninterest expense to average assets | 3.3986% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1564% | 1,758 |
| Return on assets (ROA) | 1.1564% | 1,799 |
| Pretax return on assets | 1.2070% | 2,742 |
| Return on Equity (ROE) | 9.0739% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.0739% | 817 |
| Net charge-offs to loans | -0.3891% | 5,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7930% | 2,054 |
| Assets per employee ($millions) | 6.5024% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6130% | 251 |
| Loan loss allowance to noncurrent loans | 63.4424% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 3.1895% | 275 |
| Noncurrent loans to loans | 4.1187% | 224 |
| Net loans and leases to total assets | 75.4155% | 1,626 |
| Net loans and leases to deposits | 88.7315% | 1,894 |
| Net loans and leases to core deposits | 95.9224% | 1,989 |
| Total domestic deposits to total assets | 84.9929% | 2,813 |
| Equity capital to assets | 14.4176% | 847 |
| Core capital (leverage) ratio | 13.5837% | 975 |
| Tier 1 risk-based capital ratio | 17.7123% | 1,946 |
| Total risk-based capital ratio | 18.9821% | 1,901 |
| Memoranda: | ||
| Average total assets | $237,451,330 | 2,618 |
| Average earning assets | $222,567,000 | 2,597 |
| Average equity | $30,262,670 | 2,354 |
| Average total loans | $177,859,670 | 2,359 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 688 |
| Cost of funding earning assets | 0.7573% | 625 |
| Net interest margin | 4.0902% | 1,233 |
| Noninterest income to average assets | 0.7329% | 1,813 |
| Noninterest expense to average assets | 3.4072% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1057% | 1,842 |
| Return on assets (ROA) | 1.1057% | 1,883 |
| Pretax return on assets | 1.1539% | 2,761 |
| Return on Equity (ROE) | 9.1962% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.1962% | 1,020 |
| Net charge-offs to loans | -0.1655% | 5,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7005% | 2,109 |
| Assets per employee ($millions) | 8.4319% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2628% | 433 |
| Loan loss allowance to noncurrent loans | 57.5222% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 3.0770% | 321 |
| Noncurrent loans to loans | 3.9338% | 269 |
| Net loans and leases to total assets | 71.9275% | 2,084 |
| Net loans and leases to deposits | 82.7028% | 2,431 |
| Net loans and leases to core deposits | 89.0581% | 2,451 |
| Total domestic deposits to total assets | 86.9710% | 2,229 |
| Equity capital to assets | 12.3943% | 1,600 |
| Core capital (leverage) ratio | 12.4159% | 1,378 |
| Tier 1 risk-based capital ratio | 16.3000% | 2,433 |
| Total risk-based capital ratio | 17.5680% | 2,370 |
| Memoranda: | ||
| Average total assets | $248,888,000 | 2,554 |
| Average earning assets | $232,948,000 | 2,526 |
| Average equity | $29,925,500 | 2,383 |
| Average total loans | $183,706,000 | 2,328 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9427% | 667 |
| Cost of funding earning assets | 0.7944% | 520 |
| Net interest margin | 4.1483% | 1,248 |
| Noninterest income to average assets | 0.5998% | 2,666 |
| Noninterest expense to average assets | 3.8085% | 770 |
| Loan and lease loss provision to assets | 0.2726% | 740 |
| Net operating income to assets | 0.3394% | 5,112 |
| Return on assets (ROA) | 0.3394% | 5,190 |
| Pretax return on assets | 0.3733% | 5,259 |
| Return on Equity (ROE) | 3.0336% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.0336% | 3,739 |
| Net charge-offs to loans | 0.7663% | 271 |
| Credit loss provision to net charge-offs | 46.4587% | 3,420 |
| Earnings coverage of net charge-offs (x) | 1.1007% | 4,042 |
| Efficiency ratio | 85.4991% | 860 |
| Assets per employee ($millions) | 6.6645% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1317% | 518 |
| Loan loss allowance to noncurrent loans | 44.6580% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 3.7121% | 220 |
| Noncurrent loans to loans | 4.7733% | 179 |
| Net loans and leases to total assets | 72.4433% | 2,103 |
| Net loans and leases to deposits | 84.7295% | 2,337 |
| Net loans and leases to core deposits | 91.5357% | 2,347 |
| Total domestic deposits to total assets | 85.4994% | 2,832 |
| Equity capital to assets | 11.6659% | 2,030 |
| Core capital (leverage) ratio | 11.6822% | 1,806 |
| Tier 1 risk-based capital ratio | 14.8107% | 3,045 |
| Total risk-based capital ratio | 16.0756% | 2,985 |
| Memoranda: | ||
| Average total assets | $262,255,200 | 2,417 |
| Average earning assets | $243,691,000 | 2,407 |
| Average equity | $29,337,600 | 2,416 |
| Average total loans | $200,838,000 | 2,119 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 1,061 |
| Cost of funding earning assets | 0.7974% | 514 |
| Net interest margin | 3.9033% | 1,966 |
| Noninterest income to average assets | 0.5510% | 2,913 |
| Noninterest expense to average assets | 3.7049% | 838 |
| Loan and lease loss provision to assets | 0.6130% | 191 |
| Net operating income to assets | -0.1573% | 5,780 |
| Return on assets (ROA) | -0.1573% | 5,795 |
| Pretax return on assets | -0.1447% | 5,782 |
| Return on Equity (ROE) | -1.4204% | 5,799 |
| Retained earnings to average equity (ytd only) | -1.4204% | 5,546 |
| Net charge-offs to loans | 1.0030% | 168 |
| Credit loss provision to net charge-offs | 79.1667% | 2,677 |
| Earnings coverage of net charge-offs (x) | 0.6048% | 3,774 |
| Efficiency ratio | 88.7788% | 629 |
| Assets per employee ($millions) | 6.8352% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2740% | 453 |
| Loan loss allowance to noncurrent loans | 38.8500% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 4.5496% | 166 |
| Noncurrent loans to loans | 5.8533% | 121 |
| Net loans and leases to total assets | 74.4546% | 1,796 |
| Net loans and leases to deposits | 84.4909% | 2,432 |
| Net loans and leases to core deposits | 90.9808% | 2,480 |
| Total domestic deposits to total assets | 88.1215% | 1,344 |
| Equity capital to assets | 11.1709% | 2,825 |
| Core capital (leverage) ratio | 10.8401% | 2,637 |
| Tier 1 risk-based capital ratio | 13.1773% | 4,046 |
| Total risk-based capital ratio | 14.4450% | 3,946 |
| Memoranda: | ||
| Average total assets | $264,506,000 | 2,408 |
| Average earning assets | $245,459,000 | 2,404 |
| Average equity | $29,286,000 | 2,432 |
| Average total loans | $204,182,500 | 2,094 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 1,212 |
| Cost of funding earning assets | 0.7886% | 520 |
| Net interest margin | 3.8379% | 2,184 |
| Noninterest income to average assets | 0.4810% | 3,326 |
| Noninterest expense to average assets | 3.6806% | 905 |
| Loan and lease loss provision to assets | 1.0154% | 100 |
| Net operating income to assets | -0.6569% | 5,948 |
| Return on assets (ROA) | -0.6569% | 5,952 |
| Pretax return on assets | -0.6562% | 5,942 |
| Return on Equity (ROE) | -5.9504% | 5,940 |
| Retained earnings to average equity (ytd only) | -5.9504% | 5,784 |
| Net charge-offs to loans | 1.1693% | 145 |
| Credit loss provision to net charge-offs | 112.0232% | 1,944 |
| Earnings coverage of net charge-offs (x) | 0.3964% | 3,523 |
| Efficiency ratio | 91.1070% | 543 |
| Assets per employee ($millions) | 6.0765% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3771% | 416 |
| Loan loss allowance to noncurrent loans | 37.3421% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 5.1973% | 140 |
| Noncurrent loans to loans | 6.3656% | 107 |
| Net loans and leases to total assets | 78.0383% | 1,198 |
| Net loans and leases to deposits | 88.6726% | 1,901 |
| Net loans and leases to core deposits | 94.1786% | 2,150 |
| Total domestic deposits to total assets | 88.0072% | 1,434 |
| Equity capital to assets | 10.9885% | 3,069 |
| Core capital (leverage) ratio | 10.3367% | 3,151 |
| Tier 1 risk-based capital ratio | 12.3638% | 4,611 |
| Total risk-based capital ratio | 13.6336% | 4,517 |
| Memoranda: | ||
| Average total assets | $266,095,330 | 2,419 |
| Average earning assets | $246,752,670 | 2,411 |
| Average equity | $29,376,330 | 2,413 |
| Average total loans | $206,281,000 | 2,085 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 1,556 |
| Cost of funding earning assets | 0.7529% | 623 |
| Net interest margin | 3.7307% | 2,551 |
| Noninterest income to average assets | 0.5602% | 2,742 |
| Noninterest expense to average assets | 3.6842% | 915 |
| Loan and lease loss provision to assets | 2.0127% | 40 |
| Net operating income to assets | -1.6834% | 6,065 |
| Return on assets (ROA) | -1.6834% | 6,065 |
| Pretax return on assets | -1.6820% | 6,064 |
| Return on Equity (ROE) | -15.2145% | 6,051 |
| Retained earnings to average equity (ytd only) | -15.2145% | 5,908 |
| Net charge-offs to loans | 2.6753% | 47 |
| Credit loss provision to net charge-offs | 98.5412% | 1,687 |
| Earnings coverage of net charge-offs (x) | 0.1619% | 2,959 |
| Efficiency ratio | 91.7625% | 567 |
| Assets per employee ($millions) | 6.5906% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2725% | 540 |
| Loan loss allowance to noncurrent loans | 36.8890% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 4.6492% | 183 |
| Noncurrent loans to loans | 6.1603% | 135 |
| Net loans and leases to total assets | 71.1842% | 2,158 |
| Net loans and leases to deposits | 79.6411% | 2,844 |
| Net loans and leases to core deposits | 83.3724% | 2,996 |
| Total domestic deposits to total assets | 89.3812% | 904 |
| Equity capital to assets | 10.0567% | 4,003 |
| Core capital (leverage) ratio | 10.9102% | 2,487 |
| Tier 1 risk-based capital ratio | 12.2631% | 4,741 |
| Total risk-based capital ratio | 13.5323% | 4,631 |
| Memoranda: | ||
| Average total assets | $268,497,500 | 2,401 |
| Average earning assets | $248,641,000 | 2,396 |
| Average equity | $29,708,500 | 2,389 |
| Average total loans | $204,985,500 | 2,098 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 939 |
| Cost of funding earning assets | 0.7698% | 585 |
| Net interest margin | 4.0239% | 1,636 |
| Noninterest income to average assets | 1.2936% | 723 |
| Noninterest expense to average assets | 4.7766% | 332 |
| Loan and lease loss provision to assets | 2.2776% | 26 |
| Net operating income to assets | -2.1338% | 6,141 |
| Return on assets (ROA) | -2.1338% | 6,141 |
| Pretax return on assets | -2.1321% | 6,139 |
| Return on Equity (ROE) | -15.9339% | 6,125 |
| Retained earnings to average equity (ytd only) | -15.9339% | 6,095 |
| Net charge-offs to loans | 2.2380% | 57 |
| Credit loss provision to net charge-offs | 132.3716% | 1,977 |
| Earnings coverage of net charge-offs (x) | 0.0846% | 4,261 |
| Efficiency ratio | 97.0427% | 367 |
| Assets per employee ($millions) | 5.1460% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4252% | 440 |
| Loan loss allowance to noncurrent loans | 34.3525% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 5.7954% | 146 |
| Noncurrent loans to loans | 7.0598% | 102 |
| Net loans and leases to total assets | 78.5100% | 1,056 |
| Net loans and leases to deposits | 90.2821% | 1,582 |
| Net loans and leases to core deposits | 95.1999% | 1,921 |
| Total domestic deposits to total assets | 86.9607% | 2,158 |
| Equity capital to assets | 12.2482% | 1,778 |
| Core capital (leverage) ratio | 12.2830% | 1,462 |
| Tier 1 risk-based capital ratio | 13.8734% | 3,784 |
| Total risk-based capital ratio | 15.1434% | 3,703 |
| Memoranda: | ||
| Average total assets | $237,702,400 | 2,599 |
| Average earning assets | $214,343,200 | 2,642 |
| Average equity | $31,831,600 | 2,213 |
| Average total loans | $182,750,400 | 2,214 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 977 |
| Cost of funding earning assets | 0.7701% | 593 |
| Net interest margin | 4.0031% | 1,689 |
| Noninterest income to average assets | 1.4059% | 632 |
| Noninterest expense to average assets | 5.0324% | 278 |
| Loan and lease loss provision to assets | 3.0101% | 14 |
| Net operating income to assets | -3.0464% | 6,247 |
| Return on assets (ROA) | -3.0464% | 6,247 |
| Pretax return on assets | -3.0441% | 6,246 |
| Return on Equity (ROE) | -22.2506% | 6,228 |
| Retained earnings to average equity (ytd only) | -22.2506% | 6,210 |
| Net charge-offs to loans | 3.1559% | 32 |
| Credit loss provision to net charge-offs | 125.5968% | 1,919 |
| Earnings coverage of net charge-offs (x) | -0.0142% | 3,993 |
| Efficiency ratio | 100.6800% | 287 |
| Assets per employee ($millions) | 4.5659% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4367% | 480 |
| Loan loss allowance to noncurrent loans | 24.5615% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 8.2906% | 75 |
| Noncurrent loans to loans | 9.9209% | 42 |
| Net loans and leases to total assets | 80.3074% | 779 |
| Net loans and leases to deposits | 93.4992% | 1,256 |
| Net loans and leases to core deposits | 97.1111% | 1,777 |
| Total domestic deposits to total assets | 85.8910% | 2,589 |
| Equity capital to assets | 13.2106% | 1,346 |
| Core capital (leverage) ratio | 12.3703% | 1,481 |
| Tier 1 risk-based capital ratio | 15.1905% | 3,194 |
| Total risk-based capital ratio | 16.4628% | 3,119 |
| Memoranda: | ||
| Average total assets | $235,376,000 | 2,634 |
| Average earning assets | $211,230,750 | 2,686 |
| Average equity | $32,226,000 | 2,205 |
| Average total loans | $178,751,500 | 2,260 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 1,017 |
| Cost of funding earning assets | 0.7556% | 628 |
| Net interest margin | 3.9734% | 1,725 |
| Noninterest income to average assets | 1.4899% | 572 |
| Noninterest expense to average assets | 5.3244% | 235 |
| Loan and lease loss provision to assets | 4.2854% | 5 |
| Net operating income to assets | -4.5647% | 6,338 |
| Return on assets (ROA) | -4.5647% | 6,339 |
| Pretax return on assets | -4.5630% | 6,338 |
| Return on Equity (ROE) | -32.9698% | 6,320 |
| Retained earnings to average equity (ytd only) | -32.9698% | 6,305 |
| Net charge-offs to loans | 4.0661% | 22 |
| Credit loss provision to net charge-offs | 142.6092% | 1,582 |
| Earnings coverage of net charge-offs (x) | -0.0924% | 3,720 |
| Efficiency ratio | 105.5009% | 229 |
| Assets per employee ($millions) | 4.9348% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7748% | 346 |
| Loan loss allowance to noncurrent loans | 24.8256% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 8.4766% | 78 |
| Noncurrent loans to loans | 11.1770% | 39 |
| Net loans and leases to total assets | 72.7141% | 1,859 |
| Net loans and leases to deposits | 83.8141% | 2,334 |
| Net loans and leases to core deposits | 87.4766% | 2,612 |
| Total domestic deposits to total assets | 86.7563% | 2,292 |
| Equity capital to assets | 12.4281% | 1,695 |
| Core capital (leverage) ratio | 12.1773% | 1,548 |
| Tier 1 risk-based capital ratio | 15.8149% | 2,947 |
| Total risk-based capital ratio | 17.0927% | 2,893 |
| Memoranda: | ||
| Average total assets | $237,736,670 | 2,630 |
| Average earning assets | $212,814,330 | 2,682 |
| Average equity | $32,915,000 | 2,174 |
| Average total loans | $175,696,670 | 2,306 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 565 |
| Cost of funding earning assets | 0.7360% | 711 |
| Net interest margin | 4.2657% | 950 |
| Noninterest income to average assets | 1.6937% | 446 |
| Noninterest expense to average assets | 5.2422% | 253 |
| Loan and lease loss provision to assets | 5.0131% | 6 |
| Net operating income to assets | -4.7586% | 6,404 |
| Return on assets (ROA) | -4.7586% | 6,404 |
| Pretax return on assets | -4.7552% | 6,403 |
| Return on Equity (ROE) | -32.6554% | 6,387 |
| Retained earnings to average equity (ytd only) | -32.6554% | 6,353 |
| Net charge-offs to loans | 4.8128% | 15 |
| Credit loss provision to net charge-offs | 141.8147% | 1,299 |
| Earnings coverage of net charge-offs (x) | 0.0730% | 3,107 |
| Efficiency ratio | 95.3101% | 530 |
| Assets per employee ($millions) | 4.2850% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4879% | 538 |
| Loan loss allowance to noncurrent loans | 19.4747% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 9.3449% | 73 |
| Noncurrent loans to loans | 12.7751% | 33 |
| Net loans and leases to total assets | 71.3294% | 1,927 |
| Net loans and leases to deposits | 83.4994% | 2,144 |
| Net loans and leases to core deposits | 86.7667% | 2,466 |
| Total domestic deposits to total assets | 85.4251% | 3,210 |
| Equity capital to assets | 13.7335% | 1,075 |
| Core capital (leverage) ratio | 13.5247% | 964 |
| Tier 1 risk-based capital ratio | 17.8030% | 2,199 |
| Total risk-based capital ratio | 19.0784% | 2,147 |
| Memoranda: | ||
| Average total assets | $235,702,000 | 2,670 |
| Average earning assets | $210,327,000 | 2,728 |
| Average equity | $34,346,500 | 2,109 |
| Average total loans | $173,122,500 | 2,338 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 1,934 |
| Cost of funding earning assets | 0.7404% | 892 |
| Net interest margin | 3.7446% | 2,827 |
| Noninterest income to average assets | 2.1437% | 307 |
| Noninterest expense to average assets | 5.5648% | 221 |
| Loan and lease loss provision to assets | -0.1167% | 6,173 |
| Net operating income to assets | -0.0318% | 6,111 |
| Return on assets (ROA) | -0.0318% | 6,123 |
| Pretax return on assets | -0.0313% | 6,115 |
| Return on Equity (ROE) | -0.2085% | 6,120 |
| Retained earnings to average equity (ytd only) | -0.2085% | 5,804 |
| Net charge-offs to loans | 0.3106% | 1,414 |
| Credit loss provision to net charge-offs | -52.5151% | 5,421 |
| Earnings coverage of net charge-offs (x) | -0.6660% | 4,775 |
| Efficiency ratio | 102.7331% | 311 |
| Assets per employee ($millions) | 4.5381% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0478% | 1,029 |
| Loan loss allowance to noncurrent loans | 15.2378% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 10.2846% | 84 |
| Noncurrent loans to loans | 13.4393% | 36 |
| Net loans and leases to total assets | 72.2507% | 1,866 |
| Net loans and leases to deposits | 86.1124% | 1,965 |
| Net loans and leases to core deposits | 89.1270% | 2,369 |
| Total domestic deposits to total assets | 83.9028% | 3,761 |
| Equity capital to assets | 15.4413% | 621 |
| Core capital (leverage) ratio | 14.5988% | 679 |
| Tier 1 risk-based capital ratio | 18.9572% | 1,863 |
| Total risk-based capital ratio | 20.2206% | 1,819 |
| Memoranda: | ||
| Average total assets | $223,584,800 | 2,746 |
| Average earning assets | $195,428,000 | 2,850 |
| Average equity | $34,049,800 | 2,051 |
| Average total loans | $160,012,200 | 2,425 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 1,923 |
| Cost of funding earning assets | 0.7495% | 891 |
| Net interest margin | 3.7379% | 2,862 |
| Noninterest income to average assets | 2.3890% | 258 |
| Noninterest expense to average assets | 5.7166% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0728% | 6,201 |
| Return on assets (ROA) | -0.0728% | 6,203 |
| Pretax return on assets | -0.0722% | 6,182 |
| Return on Equity (ROE) | -0.4798% | 6,189 |
| Retained earnings to average equity (ytd only) | -0.4798% | 5,871 |
| Net charge-offs to loans | 0.2983% | 1,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.3409% | 4,490 |
| Efficiency ratio | 101.2790% | 340 |
| Assets per employee ($millions) | 4.4963% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3745% | 759 |
| Loan loss allowance to noncurrent loans | 17.6500% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 10.7906% | 79 |
| Noncurrent loans to loans | 13.4534% | 43 |
| Net loans and leases to total assets | 71.3406% | 1,961 |
| Net loans and leases to deposits | 85.7266% | 1,936 |
| Net loans and leases to core deposits | 88.5391% | 2,370 |
| Total domestic deposits to total assets | 83.2187% | 4,061 |
| Equity capital to assets | 16.0780% | 552 |
| Core capital (leverage) ratio | 14.6065% | 698 |
| Tier 1 risk-based capital ratio | 19.3822% | 1,805 |
| Total risk-based capital ratio | 20.6494% | 1,772 |
| Memoranda: | ||
| Average total assets | $221,620,000 | 2,786 |
| Average earning assets | $193,008,000 | 2,900 |
| Average equity | $33,627,750 | 2,074 |
| Average total loans | $157,336,250 | 2,471 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3852% | 2,231 |
| Cost of funding earning assets | 0.7532% | 908 |
| Net interest margin | 3.6320% | 3,224 |
| Noninterest income to average assets | 2.6216% | 227 |
| Noninterest expense to average assets | 5.9015% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1152% | 6,267 |
| Return on assets (ROA) | -0.1152% | 6,277 |
| Pretax return on assets | -0.1143% | 6,264 |
| Return on Equity (ROE) | -0.7747% | 6,259 |
| Retained earnings to average equity (ytd only) | -0.7747% | 5,821 |
| Net charge-offs to loans | 0.6309% | 614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.2577% | 4,159 |
| Efficiency ratio | 101.9743% | 353 |
| Assets per employee ($millions) | 4.2558% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5647% | 650 |
| Loan loss allowance to noncurrent loans | 17.1323% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 11.9133% | 68 |
| Noncurrent loans to loans | 14.9697% | 35 |
| Net loans and leases to total assets | 70.0862% | 2,070 |
| Net loans and leases to deposits | 84.8035% | 1,954 |
| Net loans and leases to core deposits | 88.1762% | 2,297 |
| Total domestic deposits to total assets | 82.6455% | 4,433 |
| Equity capital to assets | 16.6247% | 464 |
| Core capital (leverage) ratio | 14.6739% | 661 |
| Tier 1 risk-based capital ratio | 19.8015% | 1,732 |
| Total risk-based capital ratio | 21.0714% | 1,696 |
| Memoranda: | ||
| Average total assets | $220,554,670 | 2,805 |
| Average earning assets | $192,236,670 | 2,919 |
| Average equity | $32,788,330 | 2,113 |
| Average total loans | $155,019,670 | 2,504 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9263% | 3,985 |
| Cost of funding earning assets | 0.7820% | 823 |
| Net interest margin | 3.1443% | 5,105 |
| Noninterest income to average assets | 2.3661% | 258 |
| Noninterest expense to average assets | 5.3511% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2357% | 6,373 |
| Return on assets (ROA) | -0.2357% | 6,376 |
| Pretax return on assets | -0.2357% | 6,363 |
| Return on Equity (ROE) | -1.6827% | 6,340 |
| Retained earnings to average equity (ytd only) | -1.6827% | 5,820 |
| Net charge-offs to loans | 0.7613% | 458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.4456% | 3,470 |
| Efficiency ratio | 104.6078% | 357 |
| Assets per employee ($millions) | 4.4344% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6625% | 666 |
| Loan loss allowance to noncurrent loans | 15.6516% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 11.7846% | 78 |
| Noncurrent loans to loans | 17.0113% | 30 |
| Net loans and leases to total assets | 66.5721% | 2,471 |
| Net loans and leases to deposits | 81.8142% | 2,065 |
| Net loans and leases to core deposits | 84.8260% | 2,434 |
| Total domestic deposits to total assets | 81.3699% | 5,133 |
| Equity capital to assets | 15.6733% | 576 |
| Core capital (leverage) ratio | 14.6512% | 664 |
| Tier 1 risk-based capital ratio | 18.0999% | 2,254 |
| Total risk-based capital ratio | 19.3681% | 2,217 |
| Memoranda: | ||
| Average total assets | $222,310,000 | 2,805 |
| Average earning assets | $194,383,500 | 2,915 |
| Average equity | $31,141,000 | 2,208 |
| Average total loans | $154,468,500 | 2,530 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 368 |
| Cost of funding earning assets | 0.8247% | 1,068 |
| Net interest margin | 4.6624% | 539 |
| Noninterest income to average assets | 1.2213% | 943 |
| Noninterest expense to average assets | 6.1531% | 189 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.9250% | 6,598 |
| Return on assets (ROA) | -0.9250% | 6,597 |
| Pretax return on assets | -0.9245% | 6,579 |
| Return on Equity (ROE) | -7.1814% | 6,542 |
| Retained earnings to average equity (ytd only) | -7.1814% | 6,471 |
| Net charge-offs to loans | 1.5903% | 290 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.8234% | 5,243 |
| Efficiency ratio | 117.6823% | 197 |
| Assets per employee ($millions) | 3.6902% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9710% | 490 |
| Loan loss allowance to noncurrent loans | 17.7043% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 12.0109% | 79 |
| Noncurrent loans to loans | 16.7811% | 33 |
| Net loans and leases to total assets | 68.5588% | 2,246 |
| Net loans and leases to deposits | 78.9142% | 2,598 |
| Net loans and leases to core deposits | 82.2577% | 2,865 |
| Total domestic deposits to total assets | 86.8776% | 2,792 |
| Equity capital to assets | 12.2137% | 1,673 |
| Core capital (leverage) ratio | 10.3302% | 3,116 |
| Tier 1 risk-based capital ratio | 12.9521% | 5,008 |
| Total risk-based capital ratio | 14.2021% | 4,966 |
| Memoranda: | ||
| Average total assets | $201,184,400 | 3,019 |
| Average earning assets | $172,916,800 | 3,177 |
| Average equity | $25,914,000 | 2,555 |
| Average total loans | $142,047,200 | 2,668 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9236% | 199 |
| Cost of funding earning assets | 0.8079% | 1,281 |
| Net interest margin | 5.1157% | 250 |
| Noninterest income to average assets | 0.4916% | 3,870 |
| Noninterest expense to average assets | 5.9589% | 209 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.0796% | 6,718 |
| Return on assets (ROA) | -1.0796% | 6,715 |
| Pretax return on assets | -1.0789% | 6,705 |
| Return on Equity (ROE) | -8.2657% | 6,667 |
| Retained earnings to average equity (ytd only) | -8.2657% | 6,605 |
| Net charge-offs to loans | 2.1724% | 162 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.7036% | 4,978 |
| Efficiency ratio | 122.1087% | 159 |
| Assets per employee ($millions) | 3.9054% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3914% | 374 |
| Loan loss allowance to noncurrent loans | 19.9401% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 12.0322% | 88 |
| Noncurrent loans to loans | 17.0081% | 36 |
| Net loans and leases to total assets | 67.4293% | 2,387 |
| Net loans and leases to deposits | 77.4244% | 2,756 |
| Net loans and leases to core deposits | 80.2749% | 3,104 |
| Total domestic deposits to total assets | 87.0905% | 2,643 |
| Equity capital to assets | 11.7292% | 2,105 |
| Core capital (leverage) ratio | 11.0219% | 2,463 |
| Tier 1 risk-based capital ratio | 13.9106% | 4,490 |
| Total risk-based capital ratio | 15.1846% | 4,430 |
| Memoranda: | ||
| Average total assets | $197,972,750 | 3,084 |
| Average earning assets | $169,826,000 | 3,245 |
| Average equity | $25,857,250 | 2,588 |
| Average total loans | $139,751,500 | 2,715 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6498% | 295 |
| Cost of funding earning assets | 0.7976% | 1,430 |
| Net interest margin | 4.8522% | 404 |
| Noninterest income to average assets | 0.8086% | 2,150 |
| Noninterest expense to average assets | 6.0217% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.0616% | 6,767 |
| Return on assets (ROA) | -1.0616% | 6,769 |
| Pretax return on assets | -1.0606% | 6,747 |
| Return on Equity (ROE) | -7.8381% | 6,706 |
| Retained earnings to average equity (ytd only) | -7.8381% | 6,604 |
| Net charge-offs to loans | 2.7464% | 123 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.5448% | 4,670 |
| Efficiency ratio | 121.3780% | 170 |
| Assets per employee ($millions) | 3.7997% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9598% | 262 |
| Loan loss allowance to noncurrent loans | 20.7909% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 13.5006% | 77 |
| Noncurrent loans to loans | 19.0458% | 25 |
| Net loans and leases to total assets | 67.3859% | 2,354 |
| Net loans and leases to deposits | 78.7361% | 2,490 |
| Net loans and leases to core deposits | 80.8709% | 2,928 |
| Total domestic deposits to total assets | 85.5845% | 3,590 |
| Equity capital to assets | 13.0826% | 1,319 |
| Core capital (leverage) ratio | 11.6708% | 1,818 |
| Tier 1 risk-based capital ratio | 15.0287% | 3,761 |
| Total risk-based capital ratio | 16.3084% | 3,709 |
| Memoranda: | ||
| Average total assets | $193,666,330 | 3,145 |
| Average earning assets | $165,739,670 | 3,319 |
| Average equity | $26,231,000 | 2,566 |
| Average total loans | $137,270,330 | 2,755 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6071% | 310 |
| Cost of funding earning assets | 0.7811% | 1,638 |
| Net interest margin | 4.8260% | 382 |
| Noninterest income to average assets | 1.1363% | 1,161 |
| Noninterest expense to average assets | 6.0101% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7252% | 6,745 |
| Return on assets (ROA) | -0.7252% | 6,759 |
| Pretax return on assets | -0.7252% | 6,738 |
| Return on Equity (ROE) | -5.2642% | 6,702 |
| Retained earnings to average equity (ytd only) | -5.2642% | 6,380 |
| Net charge-offs to loans | 3.6629% | 80 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.2779% | 3,889 |
| Efficiency ratio | 113.7217% | 279 |
| Assets per employee ($millions) | 3.9778% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4281% | 208 |
| Loan loss allowance to noncurrent loans | 23.1445% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 13.4918% | 101 |
| Noncurrent loans to loans | 19.1325% | 30 |
| Net loans and leases to total assets | 66.5057% | 2,280 |
| Net loans and leases to deposits | 78.2781% | 2,302 |
| Net loans and leases to core deposits | 80.1979% | 2,783 |
| Total domestic deposits to total assets | 84.9608% | 4,060 |
| Equity capital to assets | 13.6006% | 1,179 |
| Core capital (leverage) ratio | 12.0538% | 1,536 |
| Tier 1 risk-based capital ratio | 15.9390% | 3,306 |
| Total risk-based capital ratio | 17.2260% | 3,241 |
| Memoranda: | ||
| Average total assets | $193,607,500 | 3,173 |
| Average earning assets | $166,433,000 | 3,335 |
| Average equity | $26,670,500 | 2,548 |
| Average total loans | $137,922,000 | 2,763 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9226% | 300 |
| Cost of funding earning assets | 0.8497% | 2,290 |
| Net interest margin | 5.0730% | 335 |
| Noninterest income to average assets | 2.2797% | 357 |
| Noninterest expense to average assets | 5.9790% | 223 |
| Loan and lease loss provision to assets | 0.4080% | 1,586 |
| Net operating income to assets | 0.2529% | 5,625 |
| Return on assets (ROA) | 0.2529% | 5,831 |
| Pretax return on assets | 0.2491% | 5,911 |
| Return on Equity (ROE) | 1.8052% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.8052% | 4,950 |
| Net charge-offs to loans | 2.1561% | 320 |
| Credit loss provision to net charge-offs | 24.5716% | 5,211 |
| Earnings coverage of net charge-offs (x) | 0.3957% | 5,285 |
| Efficiency ratio | 90.0971% | 1,060 |
| Assets per employee ($millions) | 3.8461% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1843% | 116 |
| Loan loss allowance to noncurrent loans | 24.5409% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 15.7355% | 70 |
| Noncurrent loans to loans | 21.1253% | 20 |
| Net loans and leases to total assets | 69.1312% | 2,008 |
| Net loans and leases to deposits | 81.7124% | 2,043 |
| Net loans and leases to core deposits | 83.5162% | 2,603 |
| Total domestic deposits to total assets | 84.6030% | 4,039 |
| Equity capital to assets | 13.9529% | 1,066 |
| Core capital (leverage) ratio | 12.6848% | 1,242 |
| Tier 1 risk-based capital ratio | 15.8720% | 3,233 |
| Total risk-based capital ratio | 17.1685% | 3,169 |
| Memoranda: | ||
| Average total assets | $186,253,400 | 3,216 |
| Average earning assets | $159,946,000 | 3,378 |
| Average equity | $26,092,000 | 2,559 |
| Average total loans | $143,450,600 | 2,675 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8886% | 342 |
| Cost of funding earning assets | 0.8805% | 2,308 |
| Net interest margin | 5.0081% | 397 |
| Noninterest income to average assets | 2.2907% | 344 |
| Noninterest expense to average assets | 5.8437% | 230 |
| Loan and lease loss provision to assets | 0.5485% | 1,063 |
| Net operating income to assets | 0.2006% | 5,914 |
| Return on assets (ROA) | 0.2006% | 6,082 |
| Pretax return on assets | 0.1963% | 6,132 |
| Return on Equity (ROE) | 1.4307% | 6,168 |
| Retained earnings to average equity (ytd only) | 1.4307% | 5,612 |
| Net charge-offs to loans | 1.9677% | 373 |
| Credit loss provision to net charge-offs | 35.6975% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.4847% | 5,078 |
| Efficiency ratio | 88.6954% | 1,136 |
| Assets per employee ($millions) | 3.8022% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7281% | 84 |
| Loan loss allowance to noncurrent loans | 29.0857% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 15.1412% | 89 |
| Noncurrent loans to loans | 19.6940% | 43 |
| Net loans and leases to total assets | 71.2720% | 1,681 |
| Net loans and leases to deposits | 84.4154% | 1,817 |
| Net loans and leases to core deposits | 86.1726% | 2,440 |
| Total domestic deposits to total assets | 84.4301% | 4,015 |
| Equity capital to assets | 13.9419% | 1,185 |
| Core capital (leverage) ratio | 12.5472% | 1,383 |
| Tier 1 risk-based capital ratio | 15.0335% | 3,825 |
| Total risk-based capital ratio | 16.3353% | 3,742 |
| Memoranda: | ||
| Average total assets | $184,740,750 | 3,277 |
| Average earning assets | $158,538,500 | 3,438 |
| Average equity | $25,907,000 | 2,599 |
| Average total loans | $144,260,500 | 2,694 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8820% | 354 |
| Cost of funding earning assets | 0.9249% | 2,227 |
| Net interest margin | 4.9571% | 430 |
| Noninterest income to average assets | 2.0618% | 385 |
| Noninterest expense to average assets | 5.9185% | 222 |
| Loan and lease loss provision to assets | 0.8308% | 588 |
| Net operating income to assets | -0.4274% | 6,701 |
| Return on assets (ROA) | -0.4274% | 6,745 |
| Pretax return on assets | -0.4340% | 6,720 |
| Return on Equity (ROE) | -3.0419% | 6,674 |
| Retained earnings to average equity (ytd only) | -3.0419% | 6,469 |
| Net charge-offs to loans | 2.7167% | 238 |
| Credit loss provision to net charge-offs | 38.7360% | 4,297 |
| Earnings coverage of net charge-offs (x) | 0.1850% | 4,981 |
| Efficiency ratio | 93.7165% | 820 |
| Assets per employee ($millions) | 3.7246% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8721% | 84 |
| Loan loss allowance to noncurrent loans | 27.4761% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 17.7234% | 62 |
| Noncurrent loans to loans | 21.3717% | 40 |
| Net loans and leases to total assets | 75.3151% | 1,061 |
| Net loans and leases to deposits | 89.4404% | 1,202 |
| Net loans and leases to core deposits | 91.2974% | 1,840 |
| Total domestic deposits to total assets | 84.2069% | 4,230 |
| Equity capital to assets | 14.3276% | 968 |
| Core capital (leverage) ratio | 12.0548% | 1,577 |
| Tier 1 risk-based capital ratio | 14.6122% | 4,028 |
| Total risk-based capital ratio | 15.9150% | 3,950 |
| Memoranda: | ||
| Average total assets | $182,950,670 | 3,313 |
| Average earning assets | $156,988,330 | 3,480 |
| Average equity | $25,707,670 | 2,604 |
| Average total loans | $144,437,670 | 2,698 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6676% | 552 |
| Cost of funding earning assets | 0.9358% | 2,402 |
| Net interest margin | 4.7318% | 651 |
| Noninterest income to average assets | 2.1553% | 365 |
| Noninterest expense to average assets | 5.6486% | 243 |
| Loan and lease loss provision to assets | 1.4181% | 252 |
| Net operating income to assets | -0.8452% | 6,966 |
| Return on assets (ROA) | -0.8452% | 6,981 |
| Pretax return on assets | -0.8452% | 6,942 |
| Return on Equity (ROE) | -6.0728% | 6,890 |
| Retained earnings to average equity (ytd only) | -6.0728% | 6,666 |
| Net charge-offs to loans | 3.7428% | 163 |
| Credit loss provision to net charge-offs | 48.3063% | 3,312 |
| Earnings coverage of net charge-offs (x) | 0.1951% | 4,270 |
| Efficiency ratio | 90.7922% | 1,033 |
| Assets per employee ($millions) | 4.0737% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1271% | 77 |
| Loan loss allowance to noncurrent loans | 28.2710% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 17.5835% | 71 |
| Noncurrent loans to loans | 21.6726% | 35 |
| Net loans and leases to total assets | 72.7656% | 1,264 |
| Net loans and leases to deposits | 85.6471% | 1,460 |
| Net loans and leases to core deposits | 86.7720% | 2,204 |
| Total domestic deposits to total assets | 84.9599% | 4,064 |
| Equity capital to assets | 13.6142% | 1,194 |
| Core capital (leverage) ratio | 12.0180% | 1,574 |
| Tier 1 risk-based capital ratio | 14.3541% | 4,206 |
| Total risk-based capital ratio | 15.6600% | 4,141 |
| Memoranda: | ||
| Average total assets | $185,035,500 | 3,297 |
| Average earning assets | $159,009,500 | 3,456 |
| Average equity | $25,754,000 | 2,595 |
| Average total loans | $145,132,000 | 2,699 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6047% | 944 |
| Cost of funding earning assets | 1.1165% | 2,563 |
| Net interest margin | 4.4881% | 1,166 |
| Noninterest income to average assets | 1.9303% | 397 |
| Noninterest expense to average assets | 6.4779% | 172 |
| Loan and lease loss provision to assets | 5.1124% | 19 |
| Net operating income to assets | -5.7080% | 7,318 |
| Return on assets (ROA) | -5.7080% | 7,318 |
| Pretax return on assets | -5.7547% | 7,323 |
| Return on Equity (ROE) | -48.9110% | 7,199 |
| Retained earnings to average equity (ytd only) | -48.9110% | 7,196 |
| Net charge-offs to loans | 4.5773% | 102 |
| Credit loss provision to net charge-offs | 137.8944% | 2,151 |
| Earnings coverage of net charge-offs (x) | -0.1733% | 5,937 |
| Efficiency ratio | 111.0078% | 418 |
| Assets per employee ($millions) | 4.2483% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6217% | 64 |
| Loan loss allowance to noncurrent loans | 28.2379% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 19.0651% | 61 |
| Noncurrent loans to loans | 23.4499% | 28 |
| Net loans and leases to total assets | 74.1218% | 1,255 |
| Net loans and leases to deposits | 87.9179% | 1,386 |
| Net loans and leases to core deposits | 90.3314% | 2,076 |
| Total domestic deposits to total assets | 84.3080% | 4,180 |
| Equity capital to assets | 14.2304% | 993 |
| Core capital (leverage) ratio | 12.1538% | 1,519 |
| Tier 1 risk-based capital ratio | 14.7638% | 3,787 |
| Total risk-based capital ratio | 16.0764% | 3,723 |
| Memoranda: | ||
| Average total assets | $188,053,400 | 3,210 |
| Average earning assets | $163,631,400 | 3,338 |
| Average equity | $21,946,000 | 2,899 |
| Average total loans | $152,316,600 | 2,611 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5913% | 1,049 |
| Cost of funding earning assets | 1.1649% | 2,535 |
| Net interest margin | 4.4264% | 1,325 |
| Noninterest income to average assets | 2.1816% | 335 |
| Noninterest expense to average assets | 6.5476% | 161 |
| Loan and lease loss provision to assets | 6.2745% | 12 |
| Net operating income to assets | -6.7328% | 7,410 |
| Return on assets (ROA) | -6.7328% | 7,411 |
| Pretax return on assets | -6.7806% | 7,410 |
| Return on Equity (ROE) | -60.9152% | 7,325 |
| Retained earnings to average equity (ytd only) | -60.9152% | 7,322 |
| Net charge-offs to loans | 5.3827% | 77 |
| Credit loss provision to net charge-offs | 143.2267% | 2,216 |
| Earnings coverage of net charge-offs (x) | -0.1155% | 5,673 |
| Efficiency ratio | 108.3780% | 457 |
| Assets per employee ($millions) | 4.1683% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5449% | 66 |
| Loan loss allowance to noncurrent loans | 26.4688% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 19.9136% | 53 |
| Noncurrent loans to loans | 24.7270% | 28 |
| Net loans and leases to total assets | 73.4597% | 1,416 |
| Net loans and leases to deposits | 87.5760% | 1,480 |
| Net loans and leases to core deposits | 90.2471% | 2,220 |
| Total domestic deposits to total assets | 83.8811% | 4,287 |
| Equity capital to assets | 14.5814% | 965 |
| Core capital (leverage) ratio | 12.9329% | 1,251 |
| Tier 1 risk-based capital ratio | 15.1708% | 3,565 |
| Total risk-based capital ratio | 16.4823% | 3,494 |
| Memoranda: | ||
| Average total assets | $189,397,000 | 3,210 |
| Average earning assets | $165,158,000 | 3,334 |
| Average equity | $20,933,500 | 3,020 |
| Average total loans | $154,144,000 | 2,605 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6731% | 921 |
| Cost of funding earning assets | 1.2458% | 2,281 |
| Net interest margin | 4.4273% | 1,299 |
| Noninterest income to average assets | 1.6200% | 498 |
| Noninterest expense to average assets | 6.7430% | 156 |
| Loan and lease loss provision to assets | 5.0104% | 50 |
| Net operating income to assets | -6.2693% | 7,467 |
| Return on assets (ROA) | -6.2693% | 7,469 |
| Pretax return on assets | -6.2693% | 7,467 |
| Return on Equity (ROE) | -63.3808% | 7,379 |
| Retained earnings to average equity (ytd only) | -63.3808% | 7,376 |
| Net charge-offs to loans | 4.2474% | 175 |
| Credit loss provision to net charge-offs | 143.3303% | 2,132 |
| Earnings coverage of net charge-offs (x) | -0.3601% | 5,481 |
| Efficiency ratio | 122.9559% | 312 |
| Assets per employee ($millions) | 3.6538% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5353% | 143 |
| Loan loss allowance to noncurrent loans | 29.7746% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 16.6144% | 112 |
| Noncurrent loans to loans | 18.5907% | 82 |
| Net loans and leases to total assets | 78.4675% | 712 |
| Net loans and leases to deposits | 89.7201% | 1,307 |
| Net loans and leases to core deposits | 92.8687% | 2,032 |
| Total domestic deposits to total assets | 87.4581% | 2,488 |
| Equity capital to assets | 11.0394% | 2,913 |
| Core capital (leverage) ratio | 9.6504% | 3,734 |
| Tier 1 risk-based capital ratio | 11.0803% | 6,461 |
| Total risk-based capital ratio | 12.3819% | 6,421 |
| Memoranda: | ||
| Average total assets | $190,004,330 | 3,225 |
| Average earning assets | $165,836,330 | 3,341 |
| Average equity | $18,794,330 | 3,290 |
| Average total loans | $156,378,000 | 2,593 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5904% | 1,075 |
| Cost of funding earning assets | 1.3675% | 1,788 |
| Net interest margin | 4.2228% | 1,828 |
| Noninterest income to average assets | 2.3051% | 301 |
| Noninterest expense to average assets | 5.0831% | 341 |
| Loan and lease loss provision to assets | 5.8742% | 44 |
| Net operating income to assets | -4.9530% | 7,489 |
| Return on assets (ROA) | -4.9530% | 7,490 |
| Pretax return on assets | -4.9530% | 7,481 |
| Return on Equity (ROE) | -52.9725% | 7,426 |
| Retained earnings to average equity (ytd only) | -52.9725% | 7,414 |
| Net charge-offs to loans | 3.7910% | 252 |
| Credit loss provision to net charge-offs | 189.0957% | 1,558 |
| Earnings coverage of net charge-offs (x) | 0.2965% | 4,394 |
| Efficiency ratio | 84.6577% | 1,877 |
| Assets per employee ($millions) | 3.9213% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4717% | 142 |
| Loan loss allowance to noncurrent loans | 36.6754% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 12.9977% | 213 |
| Noncurrent loans to loans | 14.9193% | 154 |
| Net loans and leases to total assets | 74.6266% | 1,247 |
| Net loans and leases to deposits | 89.1058% | 1,339 |
| Net loans and leases to core deposits | 92.5251% | 2,067 |
| Total domestic deposits to total assets | 83.7506% | 4,597 |
| Equity capital to assets | 12.2425% | 1,766 |
| Core capital (leverage) ratio | 10.6883% | 2,442 |
| Tier 1 risk-based capital ratio | 13.3713% | 4,527 |
| Total risk-based capital ratio | 14.6718% | 4,463 |
| Memoranda: | ||
| Average total assets | $193,661,000 | 3,194 |
| Average earning assets | $169,648,500 | 3,308 |
| Average equity | $18,107,500 | 3,386 |
| Average total loans | $158,690,500 | 2,583 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1044% | 696 |
| Cost of funding earning assets | 1.6774% | 1,696 |
| Net interest margin | 4.4270% | 1,408 |
| Noninterest income to average assets | 2.0223% | 387 |
| Noninterest expense to average assets | 5.0987% | 388 |
| Loan and lease loss provision to assets | 4.4285% | 119 |
| Net operating income to assets | -4.2124% | 7,465 |
| Return on assets (ROA) | -4.2124% | 7,474 |
| Pretax return on assets | -3.5563% | 7,378 |
| Return on Equity (ROE) | -54.5264% | 7,445 |
| Retained earnings to average equity (ytd only) | -54.5264% | 7,443 |
| Net charge-offs to loans | 3.5017% | 404 |
| Credit loss provision to net charge-offs | 157.5803% | 2,237 |
| Earnings coverage of net charge-offs (x) | 0.3104% | 5,793 |
| Efficiency ratio | 85.3920% | 1,759 |
| Assets per employee ($millions) | 3.9833% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2006% | 335 |
| Loan loss allowance to noncurrent loans | 28.4488% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 12.8779% | 236 |
| Noncurrent loans to loans | 14.7653% | 170 |
| Net loans and leases to total assets | 81.3260% | 508 |
| Net loans and leases to deposits | 91.3634% | 1,343 |
| Net loans and leases to core deposits | 94.7077% | 2,170 |
| Total domestic deposits to total assets | 89.0137% | 1,655 |
| Equity capital to assets | 6.5027% | 7,255 |
| Core capital (leverage) ratio | 5.3055% | 7,384 |
| Tier 1 risk-based capital ratio | 6.7220% | 7,449 |
| Total risk-based capital ratio | 8.0108% | 7,451 |
| Memoranda: | ||
| Average total assets | $213,819,400 | 2,940 |
| Average earning assets | $190,715,800 | 2,989 |
| Average equity | $16,518,600 | 3,671 |
| Average total loans | $171,600,600 | 2,449 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0485% | 846 |
| Cost of funding earning assets | 1.7374% | 1,689 |
| Net interest margin | 4.3111% | 1,813 |
| Noninterest income to average assets | 1.9004% | 407 |
| Noninterest expense to average assets | 5.4301% | 283 |
| Loan and lease loss provision to assets | 5.3892% | 69 |
| Net operating income to assets | -5.0743% | 7,650 |
| Return on assets (ROA) | -5.0743% | 7,661 |
| Pretax return on assets | -5.0743% | 7,650 |
| Return on Equity (ROE) | -63.4405% | 7,614 |
| Retained earnings to average equity (ytd only) | -63.4405% | 7,613 |
| Net charge-offs to loans | 4.1375% | 286 |
| Credit loss provision to net charge-offs | 164.4200% | 2,289 |
| Earnings coverage of net charge-offs (x) | 0.0961% | 5,930 |
| Efficiency ratio | 94.5188% | 977 |
| Assets per employee ($millions) | 4.2500% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1307% | 329 |
| Loan loss allowance to noncurrent loans | 29.9690% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 11.4626% | 305 |
| Noncurrent loans to loans | 13.7833% | 195 |
| Net loans and leases to total assets | 77.5670% | 1,114 |
| Net loans and leases to deposits | 86.0785% | 2,326 |
| Net loans and leases to core deposits | 89.8374% | 3,120 |
| Total domestic deposits to total assets | 90.1119% | 823 |
| Equity capital to assets | 6.3279% | 7,444 |
| Core capital (leverage) ratio | 5.2712% | 7,522 |
| Tier 1 risk-based capital ratio | 7.1247% | 7,537 |
| Total risk-based capital ratio | 8.4131% | 7,540 |
| Memoranda: | ||
| Average total assets | $218,479,250 | 2,941 |
| Average earning assets | $194,843,000 | 2,984 |
| Average equity | $17,475,250 | 3,560 |
| Average total loans | $173,077,750 | 2,473 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0914% | 771 |
| Cost of funding earning assets | 1.7602% | 1,816 |
| Net interest margin | 4.3312% | 1,666 |
| Noninterest income to average assets | 2.6878% | 245 |
| Noninterest expense to average assets | 6.2644% | 201 |
| Loan and lease loss provision to assets | 5.0530% | 104 |
| Net operating income to assets | -4.7727% | 7,683 |
| Return on assets (ROA) | -4.7727% | 7,688 |
| Pretax return on assets | -4.7727% | 7,667 |
| Return on Equity (ROE) | -56.0090% | 7,639 |
| Retained earnings to average equity (ytd only) | -56.0090% | 7,635 |
| Net charge-offs to loans | 4.5543% | 250 |
| Credit loss provision to net charge-offs | 140.9960% | 2,832 |
| Earnings coverage of net charge-offs (x) | 0.0782% | 5,644 |
| Efficiency ratio | 95.7168% | 983 |
| Assets per employee ($millions) | 4.2203% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9360% | 878 |
| Loan loss allowance to noncurrent loans | 31.5440% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 7.6658% | 663 |
| Noncurrent loans to loans | 9.3077% | 500 |
| Net loans and leases to total assets | 77.2802% | 1,236 |
| Net loans and leases to deposits | 89.6579% | 1,917 |
| Net loans and leases to core deposits | 92.5914% | 2,901 |
| Total domestic deposits to total assets | 86.1945% | 2,981 |
| Equity capital to assets | 7.2853% | 7,231 |
| Core capital (leverage) ratio | 6.5022% | 7,383 |
| Tier 1 risk-based capital ratio | 8.7630% | 7,455 |
| Total risk-based capital ratio | 10.0366% | 7,464 |
| Memoranda: | ||
| Average total assets | $221,888,670 | 2,912 |
| Average earning assets | $197,591,330 | 2,983 |
| Average equity | $18,907,670 | 3,313 |
| Average total loans | $174,605,670 | 2,484 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0663% | 845 |
| Cost of funding earning assets | 1.7572% | 2,091 |
| Net interest margin | 4.3091% | 1,661 |
| Noninterest income to average assets | 2.6158% | 241 |
| Noninterest expense to average assets | 5.9613% | 223 |
| Loan and lease loss provision to assets | 3.3939% | 275 |
| Net operating income to assets | -2.9188% | 7,628 |
| Return on assets (ROA) | -2.9188% | 7,624 |
| Pretax return on assets | -2.9188% | 7,585 |
| Return on Equity (ROE) | -31.9725% | 7,594 |
| Retained earnings to average equity (ytd only) | -31.9725% | 7,572 |
| Net charge-offs to loans | 3.4215% | 419 |
| Credit loss provision to net charge-offs | 126.7917% | 2,780 |
| Earnings coverage of net charge-offs (x) | 0.1775% | 4,877 |
| Efficiency ratio | 92.6184% | 1,233 |
| Assets per employee ($millions) | 3.1835% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2210% | 1,707 |
| Loan loss allowance to noncurrent loans | 38.3142% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 4.6699% | 1,422 |
| Noncurrent loans to loans | 5.7969% | 1,163 |
| Net loans and leases to total assets | 74.9055% | 1,763 |
| Net loans and leases to deposits | 90.1475% | 1,881 |
| Net loans and leases to core deposits | 92.6048% | 3,025 |
| Total domestic deposits to total assets | 83.0922% | 4,575 |
| Equity capital to assets | 8.5361% | 5,949 |
| Core capital (leverage) ratio | 8.1407% | 6,007 |
| Tier 1 risk-based capital ratio | 10.6835% | 6,460 |
| Total risk-based capital ratio | 11.9469% | 6,433 |
| Memoranda: | ||
| Average total assets | $223,105,000 | 2,952 |
| Average earning assets | $197,813,000 | 3,027 |
| Average equity | $20,367,500 | 3,158 |
| Average total loans | $174,545,500 | 2,547 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8162% | 370 |
| Cost of funding earning assets | 2.5642% | 867 |
| Net interest margin | 4.2520% | 1,886 |
| Noninterest income to average assets | 5.6138% | 125 |
| Noninterest expense to average assets | 6.3181% | 277 |
| Loan and lease loss provision to assets | 2.7103% | 693 |
| Net operating income to assets | 0.0961% | 5,225 |
| Return on assets (ROA) | 0.1095% | 5,232 |
| Pretax return on assets | 0.1100% | 5,198 |
| Return on Equity (ROE) | 1.5244% | 5,078 |
| Retained earnings to average equity (ytd only) | 1.5244% | 4,005 |
| Net charge-offs to loans | 2.4981% | 924 |
| Credit loss provision to net charge-offs | 146.6250% | 3,226 |
| Earnings coverage of net charge-offs (x) | 1.5185% | 4,611 |
| Efficiency ratio | 69.2393% | 4,780 |
| Assets per employee ($millions) | 2.7820% | 6,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0173% | 1,981 |
| Loan loss allowance to noncurrent loans | 51.3950% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 3.3913% | 1,999 |
| Noncurrent loans to loans | 3.9251% | 1,894 |
| Net loans and leases to total assets | 78.3411% | 1,310 |
| Net loans and leases to deposits | 87.6612% | 2,618 |
| Net loans and leases to core deposits | 180.6077% | 162 |
| Total domestic deposits to total assets | 89.3680% | 1,283 |
| Equity capital to assets | 9.7555% | 4,058 |
| Core capital (leverage) ratio | 9.1952% | 4,128 |
| Tier 1 risk-based capital ratio | 11.0558% | 5,871 |
| Total risk-based capital ratio | 12.3145% | 5,822 |
| Memoranda: | ||
| Average total assets | $216,394,600 | 2,997 |
| Average earning assets | $178,692,200 | 3,230 |
| Average equity | $15,546,800 | 3,956 |
| Average total loans | $160,122,000 | 2,762 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7778% | 439 |
| Cost of funding earning assets | 2.7713% | 644 |
| Net interest margin | 4.0065% | 2,786 |
| Noninterest income to average assets | 5.5047% | 131 |
| Noninterest expense to average assets | 6.4647% | 249 |
| Loan and lease loss provision to assets | 2.9151% | 518 |
| Net operating income to assets | -0.6221% | 6,542 |
| Return on assets (ROA) | -0.6042% | 6,528 |
| Pretax return on assets | -0.6036% | 6,395 |
| Return on Equity (ROE) | -9.2398% | 6,828 |
| Retained earnings to average equity (ytd only) | -9.2398% | 6,726 |
| Net charge-offs to loans | 2.1797% | 884 |
| Credit loss provision to net charge-offs | 184.4713% | 2,470 |
| Earnings coverage of net charge-offs (x) | 1.4514% | 4,696 |
| Efficiency ratio | 73.8120% | 3,892 |
| Assets per employee ($millions) | 3.0095% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 1,411 |
| Loan loss allowance to noncurrent loans | 60.3175% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 3.2439% | 2,087 |
| Noncurrent loans to loans | 3.6536% | 2,046 |
| Net loans and leases to total assets | 74.7105% | 2,312 |
| Net loans and leases to deposits | 80.8953% | 4,221 |
| Net loans and leases to core deposits | 171.6583% | 261 |
| Total domestic deposits to total assets | 92.3545% | 135 |
| Equity capital to assets | 6.7337% | 7,698 |
| Core capital (leverage) ratio | 6.8101% | 7,539 |
| Tier 1 risk-based capital ratio | 8.7271% | 7,707 |
| Total risk-based capital ratio | 9.9886% | 7,738 |
| Memoranda: | ||
| Average total assets | $216,244,250 | 3,007 |
| Average earning assets | $175,608,000 | 3,304 |
| Average equity | $14,141,250 | 4,256 |
| Average total loans | $156,778,250 | 2,843 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3395% | 1,115 |
| Cost of funding earning assets | 3.0630% | 395 |
| Net interest margin | 3.2765% | 5,636 |
| Noninterest income to average assets | 4.5953% | 145 |
| Noninterest expense to average assets | 6.6480% | 254 |
| Loan and lease loss provision to assets | 1.3722% | 1,258 |
| Net operating income to assets | -0.8466% | 6,863 |
| Return on assets (ROA) | -0.8466% | 6,871 |
| Pretax return on assets | -0.8466% | 6,712 |
| Return on Equity (ROE) | -13.0832% | 7,229 |
| Retained earnings to average equity (ytd only) | -13.0832% | 7,119 |
| Net charge-offs to loans | 1.6126% | 1,173 |
| Credit loss provision to net charge-offs | 119.6399% | 3,886 |
| Earnings coverage of net charge-offs (x) | 0.4583% | 5,242 |
| Efficiency ratio | 92.6730% | 1,593 |
| Assets per employee ($millions) | 3.2706% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 5,606 |
| Loan loss allowance to noncurrent loans | 28.9218% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 3.4590% | 1,799 |
| Noncurrent loans to loans | 3.8007% | 1,802 |
| Net loans and leases to total assets | 75.8525% | 2,218 |
| Net loans and leases to deposits | 93.5553% | 2,165 |
| Net loans and leases to core deposits | 188.9952% | 162 |
| Total domestic deposits to total assets | 81.0777% | 5,050 |
| Equity capital to assets | 6.8263% | 7,699 |
| Core capital (leverage) ratio | 7.3860% | 7,149 |
| Tier 1 risk-based capital ratio | 9.0133% | 7,691 |
| Total risk-based capital ratio | 10.2034% | 7,748 |
| Memoranda: | ||
| Average total assets | $213,087,670 | 3,072 |
| Average earning assets | $167,678,000 | 3,434 |
| Average equity | $13,788,670 | 4,356 |
| Average total loans | $151,560,330 | 2,952 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4938% | 872 |
| Cost of funding earning assets | 3.8080% | 61 |
| Net interest margin | 2.6858% | 7,234 |
| Noninterest income to average assets | 3.5983% | 180 |
| Noninterest expense to average assets | 6.5269% | 235 |
| Loan and lease loss provision to assets | 0.8847% | 1,479 |
| Net operating income to assets | -1.7694% | 7,591 |
| Return on assets (ROA) | -1.7694% | 7,595 |
| Pretax return on assets | -1.7694% | 7,460 |
| Return on Equity (ROE) | -28.1699% | 7,887 |
| Retained earnings to average equity (ytd only) | -28.1699% | 7,830 |
| Net charge-offs to loans | 1.5374% | 940 |
| Credit loss provision to net charge-offs | 84.4322% | 4,121 |
| Earnings coverage of net charge-offs (x) | -0.8443% | 5,334 |
| Efficiency ratio | 115.6803% | 697 |
| Assets per employee ($millions) | 3.2405% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 5,840 |
| Loan loss allowance to noncurrent loans | 54.4433% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.9411% | 2,993 |
| Noncurrent loans to loans | 1.9179% | 3,380 |
| Net loans and leases to total assets | 74.3120% | 2,676 |
| Net loans and leases to deposits | 91.2242% | 2,739 |
| Net loans and leases to core deposits | 182.7639% | 215 |
| Total domestic deposits to total assets | 81.4608% | 4,761 |
| Equity capital to assets | 7.6158% | 7,249 |
| Core capital (leverage) ratio | 7.1665% | 7,514 |
| Tier 1 risk-based capital ratio | 9.5105% | 7,417 |
| Total risk-based capital ratio | 10.5842% | 7,530 |
| Memoranda: | ||
| Average total assets | $208,429,500 | 3,134 |
| Average earning assets | $158,613,000 | 3,600 |
| Average equity | $13,092,000 | 4,561 |
| Average total loans | $142,053,500 | 3,133 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7291% | 266 |
| Cost of funding earning assets | 3.6256% | 347 |
| Net interest margin | 4.1035% | 2,694 |
| Noninterest income to average assets | 7.7336% | 91 |
| Noninterest expense to average assets | 12.2436% | 104 |
| Loan and lease loss provision to assets | 1.1087% | 1,308 |
| Net operating income to assets | -2.2892% | 7,655 |
| Return on assets (ROA) | -2.2892% | 7,623 |
| Pretax return on assets | -2.2892% | 7,532 |
| Return on Equity (ROE) | -24.4663% | 7,852 |
| Retained earnings to average equity (ytd only) | -24.4663% | 7,795 |
| Net charge-offs to loans | 0.5988% | 2,035 |
| Credit loss provision to net charge-offs | 276.0757% | 1,656 |
| Earnings coverage of net charge-offs (x) | -2.9398% | 6,762 |
| Efficiency ratio | 110.6710% | 695 |
| Assets per employee ($millions) | 3.3211% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 4,488 |
| Loan loss allowance to noncurrent loans | 92.6346% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 3,611 |
| Noncurrent loans to loans | 1.3010% | 3,909 |
| Net loans and leases to total assets | 61.1480% | 5,746 |
| Net loans and leases to deposits | 65.2086% | 6,697 |
| Net loans and leases to core deposits | 149.7754% | 867 |
| Total domestic deposits to total assets | 93.7730% | 35 |
| Equity capital to assets | 5.0778% | 8,180 |
| Core capital (leverage) ratio | 5.0448% | 8,204 |
| Tier 1 risk-based capital ratio | 6.9637% | 8,173 |
| Total risk-based capital ratio | 8.1683% | 8,185 |
| Memoranda: | ||
| Average total assets | $144,679,800 | 3,997 |
| Average earning assets | $117,388,000 | 4,326 |
| Average equity | $13,537,000 | 4,443 |
| Average total loans | $97,023,400 | 4,033 |