Home > Florida Capital Bank > Performance and Condition Ratios
Florida Capital Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3144% | 1,472 |
| Cost of funding earning assets | 1.4225% | 2,169 |
| Net interest margin | 3.8919% | 1,394 |
| Noninterest income to average assets | 1.4300% | 412 |
| Noninterest expense to average assets | 4.3002% | 307 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.4769% | 3,720 |
| Return on assets (ROA) | 0.4769% | 3,718 |
| Pretax return on assets | 0.6293% | 3,585 |
| Return on Equity (ROE) | 3.9000% | 3,901 |
| Retained earnings to average equity (ytd only) | 3.9031% | 2,994 |
| Net charge-offs to loans | 0.0079% | 2,375 |
| Credit loss provision to net charge-offs | 2,200.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 120.0645% | 819 |
| Efficiency ratio | 84.8057% | 620 |
| Assets per employee ($millions) | 4.4601% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 1,779 |
| Loan loss allowance to noncurrent loans | 410.7008% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 1,884 |
| Noncurrent loans to loans | 0.3159% | 2,054 |
| Net loans and leases to total assets | 83.7400% | 290 |
| Net loans and leases to deposits | 95.7713% | 807 |
| Net loans and leases to core deposits | 101.6643% | 1,347 |
| Total domestic deposits to total assets | 87.4400% | 1,541 |
| Equity capital to assets | 11.3510% | 1,348 |
| Core capital (leverage) ratio | 11.2328% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7557% | 1,121 |
| Memoranda: | ||
| Average total assets | $483,098,600 | 1,764 |
| Average earning assets | $451,661,000 | 1,749 |
| Average equity | $59,029,800 | 1,408 |
| Average total loans | $392,596,200 | 1,494 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2217% | 1,417 |
| Cost of funding earning assets | 1.1454% | 2,603 |
| Net interest margin | 4.0764% | 1,103 |
| Noninterest income to average assets | 1.4700% | 394 |
| Noninterest expense to average assets | 4.4342% | 287 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.5049% | 3,755 |
| Return on assets (ROA) | 0.5049% | 3,756 |
| Pretax return on assets | 0.6671% | 3,609 |
| Return on Equity (ROE) | 4.0600% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.0576% | 3,244 |
| Net charge-offs to loans | 0.0221% | 1,655 |
| Credit loss provision to net charge-offs | 996.8750% | 407 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 1,341 |
| Efficiency ratio | 84.0059% | 615 |
| Assets per employee ($millions) | 4.4683% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 1,780 |
| Loan loss allowance to noncurrent loans | 514.6552% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,208 |
| Noncurrent loans to loans | 0.2563% | 2,320 |
| Net loans and leases to total assets | 81.0600% | 530 |
| Net loans and leases to deposits | 114.7703% | 124 |
| Net loans and leases to core deposits | 135.5155% | 269 |
| Total domestic deposits to total assets | 70.6300% | 4,306 |
| Equity capital to assets | 11.1318% | 1,292 |
| Core capital (leverage) ratio | 11.0267% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6867% | 1,159 |
| Memoranda: | ||
| Average total assets | $480,104,500 | 1,777 |
| Average earning assets | $448,524,750 | 1,759 |
| Average equity | $59,738,250 | 1,388 |
| Average total loans | $385,733,250 | 1,510 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0548% | 1,453 |
| Cost of funding earning assets | 0.6971% | 3,494 |
| Net interest margin | 4.3577% | 746 |
| Noninterest income to average assets | 1.4000% | 357 |
| Noninterest expense to average assets | 4.6309% | 251 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.5071% | 3,794 |
| Return on assets (ROA) | 0.5071% | 3,803 |
| Pretax return on assets | 0.6710% | 3,661 |
| Return on Equity (ROE) | 3.9300% | 4,033 |
| Retained earnings to average equity (ytd only) | 3.9316% | 3,221 |
| Net charge-offs to loans | 0.0650% | 906 |
| Credit loss provision to net charge-offs | 319.5122% | 834 |
| Earnings coverage of net charge-offs (x) | 16.1463% | 1,839 |
| Efficiency ratio | 84.6995% | 558 |
| Assets per employee ($millions) | 4.3146% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,278 |
| Loan loss allowance to noncurrent loans | 304.4444% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 1,646 |
| Noncurrent loans to loans | 0.4045% | 1,719 |
| Net loans and leases to total assets | 77.8700% | 846 |
| Net loans and leases to deposits | 110.6487% | 191 |
| Net loans and leases to core deposits | 127.8402% | 357 |
| Total domestic deposits to total assets | 70.3800% | 4,348 |
| Equity capital to assets | 10.5124% | 1,595 |
| Core capital (leverage) ratio | 11.6270% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7805% | 1,161 |
| Memoranda: | ||
| Average total assets | $474,810,667 | 1,789 |
| Average earning assets | $443,537,667 | 1,775 |
| Average equity | $61,247,000 | 1,366 |
| Average total loans | $378,507,333 | 1,514 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 989 |
| Cost of funding earning assets | 0.2895% | 4,221 |
| Net interest margin | 4.8835% | 336 |
| Noninterest income to average assets | 1.4100% | 351 |
| Noninterest expense to average assets | 4.7342% | 254 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.8289% | 3,097 |
| Return on assets (ROA) | 0.8289% | 3,053 |
| Pretax return on assets | 1.1064% | 2,685 |
| Return on Equity (ROE) | 5.8000% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.8047% | 2,821 |
| Net charge-offs to loans | -0.1006% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.1463% | 888 |
| Assets per employee ($millions) | 3.4176% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 1,919 |
| Loan loss allowance to noncurrent loans | 431.5385% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 1,852 |
| Noncurrent loans to loans | 0.3070% | 2,045 |
| Net loans and leases to total assets | 82.1100% | 366 |
| Net loans and leases to deposits | 101.9174% | 362 |
| Net loans and leases to core deposits | 115.0976% | 557 |
| Total domestic deposits to total assets | 80.5600% | 3,697 |
| Equity capital to assets | 14.1517% | 578 |
| Core capital (leverage) ratio | 13.7547% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7057% | 591 |
| Memoranda: | ||
| Average total assets | $451,185,500 | 1,878 |
| Average earning assets | $422,729,500 | 1,856 |
| Average equity | $64,430,000 | 1,325 |
| Average total loans | $361,955,500 | 1,576 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 1,805 |
| Cost of funding earning assets | 0.4049% | 2,055 |
| Net interest margin | 3.5622% | 1,753 |
| Noninterest income to average assets | 2.5800% | 195 |
| Noninterest expense to average assets | 5.2913% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4914% | 4,099 |
| Return on assets (ROA) | 0.4914% | 4,061 |
| Pretax return on assets | 0.6134% | 4,008 |
| Return on Equity (ROE) | 3.6200% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.6232% | 3,534 |
| Net charge-offs to loans | 0.0014% | 2,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 576.2000% | 303 |
| Efficiency ratio | 89.6113% | 313 |
| Assets per employee ($millions) | 3.3165% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,058 |
| Loan loss allowance to noncurrent loans | 349.7184% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 1,753 |
| Noncurrent loans to loans | 0.3625% | 1,836 |
| Net loans and leases to total assets | 76.1700% | 990 |
| Net loans and leases to deposits | 90.0291% | 1,050 |
| Net loans and leases to core deposits | 101.5882% | 915 |
| Total domestic deposits to total assets | 84.6100% | 3,080 |
| Equity capital to assets | 14.4125% | 530 |
| Core capital (leverage) ratio | 15.1465% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0237% | 419 |
| Memoranda: | ||
| Average total assets | $469,656,600 | 1,800 |
| Average earning assets | $438,666,800 | 1,792 |
| Average equity | $63,699,800 | 1,337 |
| Average total loans | $350,344,600 | 1,545 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 1,909 |
| Cost of funding earning assets | 0.3573% | 1,645 |
| Net interest margin | 3.3869% | 2,020 |
| Noninterest income to average assets | 3.1100% | 179 |
| Noninterest expense to average assets | 5.4588% | 189 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6258% | 3,764 |
| Return on assets (ROA) | 0.6258% | 3,717 |
| Pretax return on assets | 0.8185% | 3,536 |
| Return on Equity (ROE) | 4.6800% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.6824% | 3,203 |
| Net charge-offs to loans | -0.0125% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.9606% | 419 |
| Assets per employee ($millions) | 2.8969% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,365 |
| Loan loss allowance to noncurrent loans | 283.4518% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 1,513 |
| Noncurrent loans to loans | 0.4343% | 1,726 |
| Net loans and leases to total assets | 81.5100% | 408 |
| Net loans and leases to deposits | 96.8048% | 508 |
| Net loans and leases to core deposits | 109.9067% | 470 |
| Total domestic deposits to total assets | 84.2000% | 3,452 |
| Equity capital to assets | 14.7947% | 472 |
| Core capital (leverage) ratio | 13.4761% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7426% | 508 |
| Memoranda: | ||
| Average total assets | $475,967,750 | 1,795 |
| Average earning assets | $444,758,750 | 1,781 |
| Average equity | $63,612,000 | 1,354 |
| Average total loans | $352,217,750 | 1,526 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4030% | 2,422 |
| Cost of funding earning assets | 0.2761% | 1,945 |
| Net interest margin | 3.1269% | 2,451 |
| Noninterest income to average assets | 3.5098% | 133 |
| Noninterest expense to average assets | 5.3054% | 157 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8595% | 2,737 |
| Return on assets (ROA) | 0.8595% | 2,713 |
| Pretax return on assets | 1.1301% | 2,305 |
| Return on Equity (ROE) | 6.6394% | 3,416 |
| Retained earnings to average equity (ytd only) | 6.6394% | 2,119 |
| Net charge-offs to loans | 0.0866% | 636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 18.2434% | 1,586 |
| Efficiency ratio | 82.4394% | 766 |
| Assets per employee ($millions) | 3.2009% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 3,684 |
| Loan loss allowance to noncurrent loans | 165.8113% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 1,174 |
| Noncurrent loans to loans | 0.5914% | 1,431 |
| Net loans and leases to total assets | 81.2813% | 329 |
| Net loans and leases to deposits | 112.3755% | 79 |
| Net loans and leases to core deposits | 123.5305% | 156 |
| Total domestic deposits to total assets | 72.3300% | 4,578 |
| Equity capital to assets | 12.2794% | 801 |
| Core capital (leverage) ratio | 12.7685% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0549% | 711 |
| Memoranda: | ||
| Average total assets | $490,746,000 | 1,758 |
| Average earning assets | $459,180,667 | 1,752 |
| Average equity | $63,529,667 | 1,383 |
| Average total loans | $350,892,333 | 1,532 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8719% | 3,604 |
| Cost of funding earning assets | 0.2345% | 2,331 |
| Net interest margin | 2.6374% | 3,562 |
| Noninterest income to average assets | 3.7345% | 133 |
| Noninterest expense to average assets | 5.2175% | 163 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7541% | 2,837 |
| Return on assets (ROA) | 0.7541% | 2,829 |
| Pretax return on assets | 0.9881% | 2,473 |
| Return on Equity (ROE) | 5.6655% | 3,434 |
| Retained earnings to average equity (ytd only) | 5.6655% | 2,361 |
| Net charge-offs to loans | 0.2357% | 268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 6.3804% | 1,570 |
| Efficiency ratio | 84.0770% | 844 |
| Assets per employee ($millions) | 3.3010% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,414 |
| Loan loss allowance to noncurrent loans | 146.8640% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 1,078 |
| Noncurrent loans to loans | 0.8783% | 1,061 |
| Net loans and leases to total assets | 62.7430% | 1,772 |
| Net loans and leases to deposits | 72.4203% | 1,749 |
| Net loans and leases to core deposits | 78.5398% | 1,574 |
| Total domestic deposits to total assets | 86.6373% | 3,055 |
| Equity capital to assets | 12.4820% | 811 |
| Core capital (leverage) ratio | 12.5195% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3977% | 467 |
| Memoranda: | ||
| Average total assets | $475,244,000 | 1,812 |
| Average earning assets | $445,280,000 | 1,810 |
| Average equity | $63,260,500 | 1,427 |
| Average total loans | $312,196,000 | 1,648 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1874% | 3,498 |
| Cost of funding earning assets | 0.4079% | 1,486 |
| Net interest margin | 2.7795% | 3,712 |
| Noninterest income to average assets | 4.9983% | 110 |
| Noninterest expense to average assets | 6.3110% | 119 |
| Loan and lease loss provision to assets | 0.0913% | 1,369 |
| Net operating income to assets | 1.0168% | 2,606 |
| Return on assets (ROA) | 1.0168% | 2,682 |
| Pretax return on assets | 1.2026% | 2,656 |
| Return on Equity (ROE) | 7.8264% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.8264% | 1,608 |
| Net charge-offs to loans | 0.1694% | 565 |
| Credit loss provision to net charge-offs | 74.5234% | 1,988 |
| Earnings coverage of net charge-offs (x) | 10.5581% | 2,203 |
| Efficiency ratio | 82.9851% | 623 |
| Assets per employee ($millions) | 2.8898% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,749 |
| Loan loss allowance to noncurrent loans | 151.6905% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 964 |
| Noncurrent loans to loans | 0.9523% | 1,059 |
| Net loans and leases to total assets | 67.1551% | 1,355 |
| Net loans and leases to deposits | 79.0702% | 1,289 |
| Net loans and leases to core deposits | 87.0448% | 1,134 |
| Total domestic deposits to total assets | 84.9310% | 3,295 |
| Equity capital to assets | 14.2645% | 617 |
| Core capital (leverage) ratio | 15.1690% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0497% | 395 |
| Memoranda: | ||
| Average total assets | $470,800,000 | 1,771 |
| Average earning assets | $441,516,000 | 1,758 |
| Average equity | $61,164,400 | 1,494 |
| Average total loans | $340,612,800 | 1,556 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2581% | 3,492 |
| Cost of funding earning assets | 0.4563% | 1,312 |
| Net interest margin | 2.8018% | 3,778 |
| Noninterest income to average assets | 4.9793% | 113 |
| Noninterest expense to average assets | 6.4100% | 115 |
| Loan and lease loss provision to assets | 0.1199% | 985 |
| Net operating income to assets | 0.9454% | 3,100 |
| Return on assets (ROA) | 0.9454% | 3,180 |
| Pretax return on assets | 1.0801% | 3,241 |
| Return on Equity (ROE) | 7.4455% | 3,550 |
| Retained earnings to average equity (ytd only) | 7.4455% | 2,253 |
| Net charge-offs to loans | 0.2690% | 307 |
| Credit loss provision to net charge-offs | 60.8204% | 1,800 |
| Earnings coverage of net charge-offs (x) | 6.0849% | 2,195 |
| Efficiency ratio | 84.2308% | 506 |
| Assets per employee ($millions) | 2.6773% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,179 |
| Loan loss allowance to noncurrent loans | 77.5064% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.3538% | 403 |
| Noncurrent loans to loans | 1.7547% | 561 |
| Net loans and leases to total assets | 73.7731% | 713 |
| Net loans and leases to deposits | 87.5391% | 736 |
| Net loans and leases to core deposits | 97.2676% | 687 |
| Total domestic deposits to total assets | 84.2744% | 3,380 |
| Equity capital to assets | 14.9058% | 554 |
| Core capital (leverage) ratio | 13.9114% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0692% | 484 |
| Memoranda: | ||
| Average total assets | $477,966,750 | 1,770 |
| Average earning assets | $448,800,250 | 1,765 |
| Average equity | $60,688,500 | 1,525 |
| Average total loans | $350,449,250 | 1,547 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2515% | 3,559 |
| Cost of funding earning assets | 0.5164% | 1,112 |
| Net interest margin | 2.7351% | 3,911 |
| Noninterest income to average assets | 5.1222% | 113 |
| Noninterest expense to average assets | 6.2638% | 117 |
| Loan and lease loss provision to assets | 0.1170% | 1,082 |
| Net operating income to assets | 1.1760% | 2,274 |
| Return on assets (ROA) | 1.1760% | 2,339 |
| Pretax return on assets | 1.3103% | 2,602 |
| Return on Equity (ROE) | 9.7314% | 2,865 |
| Retained earnings to average equity (ytd only) | 9.7314% | 1,490 |
| Net charge-offs to loans | 0.3260% | 265 |
| Credit loss provision to net charge-offs | 49.2411% | 1,609 |
| Earnings coverage of net charge-offs (x) | 6.0051% | 1,975 |
| Efficiency ratio | 81.4415% | 704 |
| Assets per employee ($millions) | 2.8914% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,965 |
| Loan loss allowance to noncurrent loans | 75.9226% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 604 |
| Noncurrent loans to loans | 1.8496% | 552 |
| Net loans and leases to total assets | 59.9508% | 2,433 |
| Net loans and leases to deposits | 73.5281% | 2,044 |
| Net loans and leases to core deposits | 81.0594% | 1,795 |
| Total domestic deposits to total assets | 81.5346% | 4,001 |
| Equity capital to assets | 12.5028% | 1,131 |
| Core capital (leverage) ratio | 12.4173% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9925% | 428 |
| Memoranda: | ||
| Average total assets | $498,964,333 | 1,718 |
| Average earning assets | $468,650,667 | 1,701 |
| Average equity | $60,299,667 | 1,519 |
| Average total loans | $363,812,333 | 1,510 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2885% | 3,475 |
| Cost of funding earning assets | 0.5574% | 1,060 |
| Net interest margin | 2.7310% | 3,899 |
| Noninterest income to average assets | 6.3937% | 100 |
| Noninterest expense to average assets | 6.8433% | 109 |
| Loan and lease loss provision to assets | 0.1591% | 800 |
| Net operating income to assets | 1.8413% | 731 |
| Return on assets (ROA) | 1.8413% | 784 |
| Pretax return on assets | 1.9448% | 1,037 |
| Return on Equity (ROE) | 15.4986% | 1,111 |
| Retained earnings to average equity (ytd only) | 15.4986% | 573 |
| Net charge-offs to loans | 0.1756% | 450 |
| Credit loss provision to net charge-offs | 114.9425% | 1,061 |
| Earnings coverage of net charge-offs (x) | 15.1954% | 1,345 |
| Efficiency ratio | 76.4852% | 1,091 |
| Assets per employee ($millions) | 2.8949% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,536 |
| Loan loss allowance to noncurrent loans | 57.2224% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.5248% | 411 |
| Noncurrent loans to loans | 1.8813% | 598 |
| Net loans and leases to total assets | 78.4712% | 438 |
| Net loans and leases to deposits | 94.8781% | 446 |
| Net loans and leases to core deposits | 104.0661% | 572 |
| Total domestic deposits to total assets | 82.7075% | 3,758 |
| Equity capital to assets | 11.4679% | 1,560 |
| Core capital (leverage) ratio | 11.6708% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4982% | 995 |
| Memoranda: | ||
| Average total assets | $502,678,500 | 1,684 |
| Average earning assets | $470,008,000 | 1,683 |
| Average equity | $59,721,500 | 1,524 |
| Average total loans | $396,280,000 | 1,427 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 2,841 |
| Cost of funding earning assets | 0.9023% | 849 |
| Net interest margin | 3.0622% | 3,722 |
| Noninterest income to average assets | 8.1569% | 85 |
| Noninterest expense to average assets | 7.0422% | 105 |
| Loan and lease loss provision to assets | 0.5857% | 352 |
| Net operating income to assets | 2.7181% | 113 |
| Return on assets (ROA) | 2.7181% | 117 |
| Pretax return on assets | 3.3634% | 92 |
| Return on Equity (ROE) | 28.2027% | 76 |
| Retained earnings to average equity (ytd only) | 28.2027% | 32 |
| Net charge-offs to loans | 0.2960% | 586 |
| Credit loss provision to net charge-offs | 257.8584% | 1,898 |
| Earnings coverage of net charge-offs (x) | 17.3869% | 2,077 |
| Efficiency ratio | 64.0708% | 2,811 |
| Assets per employee ($millions) | 2.6276% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,900 |
| Loan loss allowance to noncurrent loans | 52.8990% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.8240% | 335 |
| Noncurrent loans to loans | 2.2838% | 467 |
| Net loans and leases to total assets | 77.3404% | 665 |
| Net loans and leases to deposits | 96.4051% | 533 |
| Net loans and leases to core deposits | 113.6224% | 419 |
| Total domestic deposits to total assets | 80.2244% | 4,011 |
| Equity capital to assets | 12.3404% | 1,399 |
| Core capital (leverage) ratio | 12.2853% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8499% | 790 |
| Memoranda: | ||
| Average total assets | $509,841,000 | 1,523 |
| Average earning assets | $471,910,200 | 1,531 |
| Average equity | $49,137,200 | 1,722 |
| Average total loans | $391,256,800 | 1,394 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 2,817 |
| Cost of funding earning assets | 0.9409% | 928 |
| Net interest margin | 3.1111% | 3,712 |
| Noninterest income to average assets | 7.7143% | 84 |
| Noninterest expense to average assets | 6.9854% | 109 |
| Loan and lease loss provision to assets | 0.7207% | 284 |
| Net operating income to assets | 2.2394% | 190 |
| Return on assets (ROA) | 2.2394% | 205 |
| Pretax return on assets | 2.8878% | 130 |
| Return on Equity (ROE) | 24.8327% | 123 |
| Retained earnings to average equity (ytd only) | 24.8327% | 51 |
| Net charge-offs to loans | 0.3616% | 437 |
| Credit loss provision to net charge-offs | 260.8939% | 1,891 |
| Earnings coverage of net charge-offs (x) | 13.0633% | 2,216 |
| Efficiency ratio | 65.9383% | 2,477 |
| Assets per employee ($millions) | 3.0445% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,709 |
| Loan loss allowance to noncurrent loans | 66.4401% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 738 |
| Noncurrent loans to loans | 1.5040% | 951 |
| Net loans and leases to total assets | 82.2704% | 414 |
| Net loans and leases to deposits | 114.9760% | 159 |
| Net loans and leases to core deposits | 144.5928% | 143 |
| Total domestic deposits to total assets | 71.5544% | 4,701 |
| Equity capital to assets | 10.1159% | 3,129 |
| Core capital (leverage) ratio | 11.0834% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2411% | 1,439 |
| Memoranda: | ||
| Average total assets | $518,403,500 | 1,477 |
| Average earning assets | $479,812,000 | 1,481 |
| Average equity | $46,749,000 | 1,784 |
| Average total loans | $395,990,500 | 1,359 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 3,177 |
| Cost of funding earning assets | 1.0251% | 915 |
| Net interest margin | 3.0295% | 4,056 |
| Noninterest income to average assets | 4.8051% | 108 |
| Noninterest expense to average assets | 6.6324% | 118 |
| Loan and lease loss provision to assets | 0.5868% | 549 |
| Net operating income to assets | 0.3886% | 4,253 |
| Return on assets (ROA) | 0.3886% | 4,317 |
| Pretax return on assets | 0.3917% | 4,425 |
| Return on Equity (ROE) | 4.4975% | 3,975 |
| Retained earnings to average equity (ytd only) | 4.4975% | 2,707 |
| Net charge-offs to loans | 0.5818% | 267 |
| Credit loss provision to net charge-offs | 136.1587% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.2705% | 2,789 |
| Efficiency ratio | 87.1426% | 492 |
| Assets per employee ($millions) | 3.1078% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 4,256 |
| Loan loss allowance to noncurrent loans | 37.7396% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.6384% | 529 |
| Noncurrent loans to loans | 2.2024% | 577 |
| Net loans and leases to total assets | 69.7847% | 2,061 |
| Net loans and leases to deposits | 101.6403% | 460 |
| Net loans and leases to core deposits | 128.9751% | 271 |
| Total domestic deposits to total assets | 68.6585% | 4,827 |
| Equity capital to assets | 8.7409% | 4,325 |
| Core capital (leverage) ratio | 9.1330% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7066% | 1,926 |
| Memoranda: | ||
| Average total assets | $514,624,333 | 1,469 |
| Average earning assets | $476,649,333 | 1,467 |
| Average equity | $44,469,333 | 1,844 |
| Average total loans | $381,247,667 | 1,392 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 3,403 |
| Cost of funding earning assets | 1.1182% | 997 |
| Net interest margin | 3.0216% | 4,246 |
| Noninterest income to average assets | 3.3315% | 131 |
| Noninterest expense to average assets | 6.6747% | 133 |
| Loan and lease loss provision to assets | 0.6943% | 382 |
| Net operating income to assets | -1.2361% | 5,009 |
| Return on assets (ROA) | -1.2361% | 4,992 |
| Pretax return on assets | -1.2361% | 4,974 |
| Return on Equity (ROE) | -14.3910% | 5,033 |
| Retained earnings to average equity (ytd only) | -14.3910% | 4,882 |
| Net charge-offs to loans | 0.9197% | 163 |
| Credit loss provision to net charge-offs | 99.3258% | 1,857 |
| Earnings coverage of net charge-offs (x) | -0.7753% | 2,496 |
| Efficiency ratio | 108.8360% | 150 |
| Assets per employee ($millions) | 2.6510% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7394% | 4,539 |
| Loan loss allowance to noncurrent loans | 35.1220% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.5948% | 647 |
| Noncurrent loans to loans | 2.1051% | 648 |
| Net loans and leases to total assets | 68.4817% | 2,474 |
| Net loans and leases to deposits | 99.8735% | 565 |
| Net loans and leases to core deposits | 131.6490% | 246 |
| Total domestic deposits to total assets | 68.5684% | 4,910 |
| Equity capital to assets | 8.2818% | 4,905 |
| Core capital (leverage) ratio | 8.4132% | 4,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4475% | 2,507 |
| Memoranda: | ||
| Average total assets | $509,326,000 | 1,446 |
| Average earning assets | $472,207,500 | 1,440 |
| Average equity | $43,749,500 | 1,855 |
| Average total loans | $387,073,500 | 1,329 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7361% | 2,219 |
| Cost of funding earning assets | 1.4620% | 441 |
| Net interest margin | 3.2740% | 4,040 |
| Noninterest income to average assets | 5.5904% | 90 |
| Noninterest expense to average assets | 6.8669% | 114 |
| Loan and lease loss provision to assets | 0.2040% | 993 |
| Net operating income to assets | 1.5222% | 1,000 |
| Return on assets (ROA) | 1.5288% | 1,047 |
| Pretax return on assets | 1.5310% | 1,708 |
| Return on Equity (ROE) | 17.7859% | 357 |
| Retained earnings to average equity (ytd only) | 17.7859% | 50 |
| Net charge-offs to loans | 0.0621% | 2,213 |
| Credit loss provision to net charge-offs | 400.8439% | 710 |
| Earnings coverage of net charge-offs (x) | 33.9620% | 1,459 |
| Efficiency ratio | 79.8921% | 954 |
| Assets per employee ($millions) | 2.7732% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6452% | 4,663 |
| Loan loss allowance to noncurrent loans | 44.2639% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3594% | 784 |
| Noncurrent loans to loans | 1.4576% | 1,001 |
| Net loans and leases to total assets | 82.8296% | 448 |
| Net loans and leases to deposits | 107.2980% | 252 |
| Net loans and leases to core deposits | 142.5863% | 160 |
| Total domestic deposits to total assets | 77.1958% | 4,469 |
| Equity capital to assets | 8.9136% | 4,725 |
| Core capital (leverage) ratio | 8.0931% | 5,006 |
| Tier 1 risk-based capital ratio | 11.5273% | 4,614 |
| Total risk-based capital ratio | 12.2854% | 4,749 |
| Memoranda: | ||
| Average total assets | $465,710,200 | 1,508 |
| Average earning assets | $427,423,200 | 1,516 |
| Average equity | $40,031,800 | 1,931 |
| Average total loans | $381,586,600 | 1,319 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 2,575 |
| Cost of funding earning assets | 1.4216% | 534 |
| Net interest margin | 3.2265% | 4,241 |
| Noninterest income to average assets | 5.4221% | 91 |
| Noninterest expense to average assets | 6.7189% | 118 |
| Loan and lease loss provision to assets | 0.1747% | 1,056 |
| Net operating income to assets | 1.4729% | 1,263 |
| Return on assets (ROA) | 1.4819% | 1,294 |
| Pretax return on assets | 1.4848% | 2,009 |
| Return on Equity (ROE) | 17.4145% | 441 |
| Retained earnings to average equity (ytd only) | 17.4145% | 75 |
| Net charge-offs to loans | 0.0907% | 1,563 |
| Credit loss provision to net charge-offs | 236.2205% | 1,143 |
| Earnings coverage of net charge-offs (x) | 22.3227% | 1,875 |
| Efficiency ratio | 80.2796% | 899 |
| Assets per employee ($millions) | 3.1389% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5214% | 4,943 |
| Loan loss allowance to noncurrent loans | 45.4492% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.2950% | 938 |
| Noncurrent loans to loans | 1.1473% | 1,378 |
| Net loans and leases to total assets | 81.8228% | 587 |
| Net loans and leases to deposits | 128.4153% | 50 |
| Net loans and leases to core deposits | 182.4727% | 55 |
| Total domestic deposits to total assets | 63.7173% | 5,129 |
| Equity capital to assets | 7.8935% | 5,152 |
| Core capital (leverage) ratio | 8.5309% | 4,934 |
| Tier 1 risk-based capital ratio | 10.1514% | 5,164 |
| Total risk-based capital ratio | 10.7538% | 5,213 |
| Memoranda: | ||
| Average total assets | $458,037,750 | 1,535 |
| Average earning assets | $418,395,000 | 1,556 |
| Average equity | $38,978,000 | 1,989 |
| Average total loans | $373,524,250 | 1,355 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 1,961 |
| Cost of funding earning assets | 1.3876% | 563 |
| Net interest margin | 3.4447% | 3,754 |
| Noninterest income to average assets | 4.7638% | 99 |
| Noninterest expense to average assets | 6.5322% | 124 |
| Loan and lease loss provision to assets | 0.1853% | 958 |
| Net operating income to assets | 1.1658% | 2,277 |
| Return on assets (ROA) | 1.1802% | 2,294 |
| Pretax return on assets | 1.1848% | 2,955 |
| Return on Equity (ROE) | 13.4644% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.4644% | 260 |
| Net charge-offs to loans | 0.0912% | 1,450 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 18.2938% | 1,863 |
| Efficiency ratio | 82.8127% | 744 |
| Assets per employee ($millions) | 2.7225% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5792% | 4,911 |
| Loan loss allowance to noncurrent loans | 51.4399% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.4037% | 848 |
| Noncurrent loans to loans | 1.1260% | 1,450 |
| Net loans and leases to total assets | 82.9425% | 480 |
| Net loans and leases to deposits | 131.5653% | 41 |
| Net loans and leases to core deposits | 183.1105% | 56 |
| Total domestic deposits to total assets | 63.0428% | 5,182 |
| Equity capital to assets | 8.7078% | 4,949 |
| Core capital (leverage) ratio | 8.3826% | 5,020 |
| Tier 1 risk-based capital ratio | 10.5641% | 5,082 |
| Total risk-based capital ratio | 11.2062% | 5,179 |
| Memoranda: | ||
| Average total assets | $431,802,330 | 1,628 |
| Average earning assets | $391,618,670 | 1,674 |
| Average equity | $37,848,000 | 2,030 |
| Average total loans | $350,872,000 | 1,430 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 2,810 |
| Cost of funding earning assets | 1.1855% | 944 |
| Net interest margin | 3.3305% | 4,090 |
| Noninterest income to average assets | 3.6958% | 115 |
| Noninterest expense to average assets | 6.0689% | 137 |
| Loan and lease loss provision to assets | 0.1427% | 1,199 |
| Net operating income to assets | 0.4996% | 4,524 |
| Return on assets (ROA) | 0.4996% | 4,544 |
| Pretax return on assets | 0.4996% | 4,685 |
| Return on Equity (ROE) | 5.6793% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.6793% | 2,603 |
| Net charge-offs to loans | 0.1236% | 1,004 |
| Credit loss provision to net charge-offs | 144.2308% | 1,272 |
| Earnings coverage of net charge-offs (x) | 6.4904% | 2,193 |
| Efficiency ratio | 90.4296% | 377 |
| Assets per employee ($millions) | 2.6097% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5760% | 4,980 |
| Loan loss allowance to noncurrent loans | 47.9646% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.7402% | 628 |
| Noncurrent loans to loans | 1.2009% | 1,376 |
| Net loans and leases to total assets | 79.8085% | 864 |
| Net loans and leases to deposits | 116.1923% | 128 |
| Net loans and leases to core deposits | 159.1310% | 91 |
| Total domestic deposits to total assets | 68.6866% | 5,153 |
| Equity capital to assets | 8.6188% | 4,916 |
| Core capital (leverage) ratio | 8.4072% | 5,059 |
| Tier 1 risk-based capital ratio | 10.1175% | 5,262 |
| Total risk-based capital ratio | 10.4889% | 5,332 |
| Memoranda: | ||
| Average total assets | $420,373,000 | 1,684 |
| Average earning assets | $380,607,500 | 1,731 |
| Average equity | $36,976,500 | 2,059 |
| Average total loans | $336,669,000 | 1,491 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 2,409 |
| Cost of funding earning assets | 1.2465% | 276 |
| Net interest margin | 3.2717% | 4,333 |
| Noninterest income to average assets | 4.7907% | 96 |
| Noninterest expense to average assets | 7.4879% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2642% | 5,049 |
| Return on assets (ROA) | 0.2621% | 5,044 |
| Pretax return on assets | 0.2650% | 5,073 |
| Return on Equity (ROE) | 3.2153% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.2153% | 3,795 |
| Net charge-offs to loans | 0.0803% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 4.1285% | 3,330 |
| Efficiency ratio | 96.5561% | 201 |
| Assets per employee ($millions) | 2.2018% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 4,968 |
| Loan loss allowance to noncurrent loans | 69.6689% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 933 |
| Noncurrent loans to loans | 0.8627% | 1,875 |
| Net loans and leases to total assets | 80.3204% | 891 |
| Net loans and leases to deposits | 134.8689% | 35 |
| Net loans and leases to core deposits | 190.2521% | 45 |
| Total domestic deposits to total assets | 59.5544% | 5,323 |
| Equity capital to assets | 7.9456% | 5,179 |
| Core capital (leverage) ratio | 8.7019% | 4,876 |
| Tier 1 risk-based capital ratio | 11.1430% | 4,898 |
| Total risk-based capital ratio | 11.8096% | 5,054 |
| Memoranda: | ||
| Average total assets | $384,915,800 | 1,779 |
| Average earning assets | $348,745,400 | 1,817 |
| Average equity | $31,381,200 | 2,259 |
| Average total loans | $310,129,800 | 1,556 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 2,607 |
| Cost of funding earning assets | 1.1904% | 271 |
| Net interest margin | 3.2161% | 4,481 |
| Noninterest income to average assets | 5.0383% | 95 |
| Noninterest expense to average assets | 7.6119% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3336% | 5,056 |
| Return on assets (ROA) | 0.3309% | 5,051 |
| Pretax return on assets | 0.3344% | 5,105 |
| Return on Equity (ROE) | 4.0312% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.0312% | 3,754 |
| Net charge-offs to loans | 0.0148% | 2,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 28.2954% | 1,671 |
| Efficiency ratio | 95.7584% | 206 |
| Assets per employee ($millions) | 1.9209% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 4,788 |
| Loan loss allowance to noncurrent loans | 110.5344% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.3234% | 1,018 |
| Noncurrent loans to loans | 0.6683% | 2,404 |
| Net loans and leases to total assets | 79.1346% | 1,141 |
| Net loans and leases to deposits | 111.4709% | 247 |
| Net loans and leases to core deposits | 151.9065% | 120 |
| Total domestic deposits to total assets | 70.9912% | 5,179 |
| Equity capital to assets | 8.5896% | 4,871 |
| Core capital (leverage) ratio | 8.9522% | 4,744 |
| Tier 1 risk-based capital ratio | 12.5100% | 4,193 |
| Total risk-based capital ratio | 13.0265% | 4,509 |
| Memoranda: | ||
| Average total assets | $380,412,500 | 1,804 |
| Average earning assets | $344,296,250 | 1,840 |
| Average equity | $31,222,750 | 2,269 |
| Average total loans | $306,264,500 | 1,576 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 2,855 |
| Cost of funding earning assets | 1.1462% | 233 |
| Net interest margin | 3.1274% | 4,669 |
| Noninterest income to average assets | 5.0177% | 97 |
| Noninterest expense to average assets | 7.5471% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2915% | 5,127 |
| Return on assets (ROA) | 0.2915% | 5,119 |
| Pretax return on assets | 0.2967% | 5,169 |
| Return on Equity (ROE) | 3.6047% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.6047% | 3,793 |
| Net charge-offs to loans | -0.0161% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2179% | 220 |
| Assets per employee ($millions) | 1.8213% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 4,830 |
| Loan loss allowance to noncurrent loans | 114.4103% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 1,083 |
| Noncurrent loans to loans | 0.6538% | 2,475 |
| Net loans and leases to total assets | 80.0691% | 1,008 |
| Net loans and leases to deposits | 115.5577% | 165 |
| Net loans and leases to core deposits | 162.1522% | 71 |
| Total domestic deposits to total assets | 69.2893% | 5,298 |
| Equity capital to assets | 8.4968% | 4,941 |
| Core capital (leverage) ratio | 8.9402% | 4,736 |
| Tier 1 risk-based capital ratio | 12.4450% | 4,221 |
| Total risk-based capital ratio | 13.3057% | 4,336 |
| Memoranda: | ||
| Average total assets | $384,278,000 | 1,797 |
| Average earning assets | $347,249,000 | 1,831 |
| Average equity | $31,070,330 | 2,285 |
| Average total loans | $310,341,670 | 1,560 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 3,001 |
| Cost of funding earning assets | 1.0401% | 308 |
| Net interest margin | 3.1282% | 4,648 |
| Noninterest income to average assets | 4.3335% | 109 |
| Noninterest expense to average assets | 7.3185% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.1512% | 5,436 |
| Return on assets (ROA) | -0.1512% | 5,432 |
| Pretax return on assets | -0.1491% | 5,428 |
| Return on Equity (ROE) | -1.9160% | 5,449 |
| Retained earnings to average equity (ytd only) | -1.9160% | 5,002 |
| Net charge-offs to loans | 0.2516% | 609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -0.7337% | 2,668 |
| Efficiency ratio | 102.0804% | 156 |
| Assets per employee ($millions) | 1.7413% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6987% | 5,032 |
| Loan loss allowance to noncurrent loans | 103.4536% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.2612% | 1,180 |
| Noncurrent loans to loans | 0.6754% | 2,525 |
| Net loans and leases to total assets | 78.0012% | 1,237 |
| Net loans and leases to deposits | 108.4984% | 307 |
| Net loans and leases to core deposits | 150.7017% | 122 |
| Total domestic deposits to total assets | 71.8916% | 5,291 |
| Equity capital to assets | 8.4038% | 5,044 |
| Core capital (leverage) ratio | 8.4708% | 5,160 |
| Tier 1 risk-based capital ratio | 12.5402% | 4,214 |
| Total risk-based capital ratio | 13.3379% | 4,389 |
| Memoranda: | ||
| Average total assets | $391,553,000 | 1,778 |
| Average earning assets | $354,959,500 | 1,812 |
| Average equity | $30,898,000 | 2,309 |
| Average total loans | $316,378,000 | 1,537 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,006 |
| Cost of funding earning assets | 0.8269% | 534 |
| Net interest margin | 3.2878% | 4,192 |
| Noninterest income to average assets | 5.5202% | 98 |
| Noninterest expense to average assets | 8.2804% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2360% | 5,036 |
| Return on assets (ROA) | 0.2360% | 5,050 |
| Pretax return on assets | 0.2394% | 5,272 |
| Return on Equity (ROE) | 2.7633% | 4,897 |
| Retained earnings to average equity (ytd only) | 2.7633% | 3,660 |
| Net charge-offs to loans | 0.1393% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.1862% | 3,786 |
| Efficiency ratio | 97.1903% | 225 |
| Assets per employee ($millions) | 2.0563% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6385% | 5,176 |
| Loan loss allowance to noncurrent loans | 63.9420% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.4498% | 967 |
| Noncurrent loans to loans | 0.9985% | 1,774 |
| Net loans and leases to total assets | 82.2440% | 650 |
| Net loans and leases to deposits | 125.6868% | 66 |
| Net loans and leases to core deposits | 172.4955% | 59 |
| Total domestic deposits to total assets | 65.4357% | 5,530 |
| Equity capital to assets | 7.4421% | 5,549 |
| Core capital (leverage) ratio | 8.0809% | 5,401 |
| Tier 1 risk-based capital ratio | 10.9434% | 5,181 |
| Total risk-based capital ratio | 11.7049% | 5,298 |
| Memoranda: | ||
| Average total assets | $358,014,200 | 1,876 |
| Average earning assets | $326,628,000 | 1,907 |
| Average equity | $30,579,200 | 2,320 |
| Average total loans | $281,319,000 | 1,649 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 3,293 |
| Cost of funding earning assets | 0.7432% | 782 |
| Net interest margin | 3.2724% | 4,255 |
| Noninterest income to average assets | 5.4465% | 105 |
| Noninterest expense to average assets | 8.4763% | 86 |
| Loan and lease loss provision to assets | -0.1943% | 5,650 |
| Net operating income to assets | 0.1426% | 5,405 |
| Return on assets (ROA) | 0.1426% | 5,412 |
| Pretax return on assets | 0.1465% | 5,425 |
| Return on Equity (ROE) | 1.6066% | 5,361 |
| Retained earnings to average equity (ytd only) | 1.6066% | 4,784 |
| Net charge-offs to loans | -0.1161% | 5,417 |
| Credit loss provision to net charge-offs | 216.4502% | 1,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5670% | 169 |
| Assets per employee ($millions) | 1.8869% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7457% | 5,031 |
| Loan loss allowance to noncurrent loans | 105.0993% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2795% | 1,260 |
| Noncurrent loans to loans | 0.7095% | 2,582 |
| Net loans and leases to total assets | 81.3287% | 786 |
| Net loans and leases to deposits | 112.7981% | 203 |
| Net loans and leases to core deposits | 162.5260% | 79 |
| Total domestic deposits to total assets | 72.1011% | 5,368 |
| Equity capital to assets | 8.0611% | 5,500 |
| Core capital (leverage) ratio | 9.7399% | 3,892 |
| Tier 1 risk-based capital ratio | 11.6935% | 4,831 |
| Total risk-based capital ratio | 12.5658% | 4,951 |
| Memoranda: | ||
| Average total assets | $343,158,750 | 1,961 |
| Average earning assets | $312,704,000 | 1,987 |
| Average equity | $30,457,500 | 2,344 |
| Average total loans | $265,268,250 | 1,745 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 2,812 |
| Cost of funding earning assets | 0.7448% | 703 |
| Net interest margin | 3.3599% | 3,910 |
| Noninterest income to average assets | 5.7787% | 100 |
| Noninterest expense to average assets | 8.7294% | 85 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0944% | 5,497 |
| Return on assets (ROA) | 0.0944% | 5,501 |
| Pretax return on assets | 0.0986% | 5,512 |
| Return on Equity (ROE) | 1.0274% | 5,470 |
| Retained earnings to average equity (ytd only) | 1.0274% | 4,831 |
| Net charge-offs to loans | -0.1699% | 5,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8826% | 201 |
| Assets per employee ($millions) | 1.5722% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,448 |
| Loan loss allowance to noncurrent loans | 152.2210% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 1.4751% | 1,046 |
| Noncurrent loans to loans | 0.7384% | 2,548 |
| Net loans and leases to total assets | 77.0745% | 1,376 |
| Net loans and leases to deposits | 108.2279% | 312 |
| Net loans and leases to core deposits | 123.1305% | 461 |
| Total domestic deposits to total assets | 71.2150% | 5,501 |
| Equity capital to assets | 9.5299% | 4,378 |
| Core capital (leverage) ratio | 9.8959% | 3,661 |
| Tier 1 risk-based capital ratio | 13.4116% | 3,743 |
| Total risk-based capital ratio | 14.6268% | 3,678 |
| Memoranda: | ||
| Average total assets | $330,491,000 | 2,019 |
| Average earning assets | $299,950,670 | 2,056 |
| Average equity | $30,368,000 | 2,345 |
| Average total loans | $249,583,330 | 1,829 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 2,907 |
| Cost of funding earning assets | 0.7413% | 689 |
| Net interest margin | 3.2976% | 4,014 |
| Noninterest income to average assets | 5.5329% | 104 |
| Noninterest expense to average assets | 8.3871% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1336% | 5,475 |
| Return on assets (ROA) | 0.1336% | 5,485 |
| Pretax return on assets | 0.1384% | 5,492 |
| Return on Equity (ROE) | 1.4800% | 5,430 |
| Retained earnings to average equity (ytd only) | 1.4800% | 4,512 |
| Net charge-offs to loans | 0.1091% | 1,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.7059% | 2,695 |
| Efficiency ratio | 98.3772% | 256 |
| Assets per employee ($millions) | 1.5848% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,602 |
| Loan loss allowance to noncurrent loans | 89.2102% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 2.0422% | 643 |
| Noncurrent loans to loans | 1.2537% | 1,611 |
| Net loans and leases to total assets | 68.8484% | 2,556 |
| Net loans and leases to deposits | 90.6734% | 1,462 |
| Net loans and leases to core deposits | 102.8106% | 1,305 |
| Total domestic deposits to total assets | 75.9302% | 5,237 |
| Equity capital to assets | 9.3517% | 4,440 |
| Core capital (leverage) ratio | 9.8269% | 3,723 |
| Tier 1 risk-based capital ratio | 14.2151% | 3,354 |
| Total risk-based capital ratio | 15.3764% | 3,321 |
| Memoranda: | ||
| Average total assets | $335,373,500 | 2,016 |
| Average earning assets | $304,345,500 | 2,049 |
| Average equity | $30,269,500 | 2,358 |
| Average total loans | $249,371,000 | 1,836 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 2,955 |
| Cost of funding earning assets | 0.8012% | 504 |
| Net interest margin | 3.2678% | 4,235 |
| Noninterest income to average assets | 5.8494% | 105 |
| Noninterest expense to average assets | 8.4283% | 96 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4016% | 4,938 |
| Return on assets (ROA) | 0.4072% | 4,999 |
| Pretax return on assets | 0.4084% | 5,218 |
| Return on Equity (ROE) | 4.9245% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.9245% | 2,391 |
| Net charge-offs to loans | -0.0547% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4395% | 332 |
| Assets per employee ($millions) | 1.7467% | 5,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 4,561 |
| Loan loss allowance to noncurrent loans | 100.3864% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.8467% | 784 |
| Noncurrent loans to loans | 0.9496% | 2,189 |
| Net loans and leases to total assets | 78.0474% | 1,188 |
| Net loans and leases to deposits | 118.3908% | 107 |
| Net loans and leases to core deposits | 136.2737% | 213 |
| Total domestic deposits to total assets | 65.9236% | 5,758 |
| Equity capital to assets | 8.7193% | 5,088 |
| Core capital (leverage) ratio | 8.5852% | 5,183 |
| Tier 1 risk-based capital ratio | 12.6218% | 4,309 |
| Total risk-based capital ratio | 13.6845% | 4,308 |
| Memoranda: | ||
| Average total assets | $355,811,400 | 1,876 |
| Average earning assets | $324,651,600 | 1,898 |
| Average equity | $29,424,600 | 2,403 |
| Average total loans | $266,791,000 | 1,693 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 3,355 |
| Cost of funding earning assets | 0.7958% | 518 |
| Net interest margin | 3.1690% | 4,580 |
| Noninterest income to average assets | 6.0011% | 104 |
| Noninterest expense to average assets | 8.5159% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3778% | 5,100 |
| Return on assets (ROA) | 0.3851% | 5,155 |
| Pretax return on assets | 0.3881% | 5,328 |
| Return on Equity (ROE) | 4.7192% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.7192% | 2,996 |
| Net charge-offs to loans | -0.0161% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7211% | 325 |
| Assets per employee ($millions) | 1.6996% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,658 |
| Loan loss allowance to noncurrent loans | 111.9928% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.7903% | 921 |
| Noncurrent loans to loans | 0.8490% | 2,560 |
| Net loans and leases to total assets | 75.7490% | 1,566 |
| Net loans and leases to deposits | 109.9969% | 256 |
| Net loans and leases to core deposits | 116.8541% | 619 |
| Total domestic deposits to total assets | 68.8647% | 5,744 |
| Equity capital to assets | 8.8448% | 5,290 |
| Core capital (leverage) ratio | 8.6789% | 5,173 |
| Tier 1 risk-based capital ratio | 12.4893% | 4,489 |
| Total risk-based capital ratio | 13.5083% | 4,532 |
| Memoranda: | ||
| Average total assets | $358,300,500 | 1,871 |
| Average earning assets | $327,372,750 | 1,894 |
| Average equity | $29,241,750 | 2,436 |
| Average total loans | $265,356,500 | 1,700 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 3,952 |
| Cost of funding earning assets | 0.7953% | 508 |
| Net interest margin | 3.0063% | 5,070 |
| Noninterest income to average assets | 5.3779% | 114 |
| Noninterest expense to average assets | 7.8821% | 110 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2388% | 5,447 |
| Return on assets (ROA) | 0.2495% | 5,496 |
| Pretax return on assets | 0.2534% | 5,555 |
| Return on Equity (ROE) | 3.1400% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.1400% | 3,903 |
| Net charge-offs to loans | -0.0300% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0164% | 313 |
| Assets per employee ($millions) | 1.9590% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 4,934 |
| Loan loss allowance to noncurrent loans | 99.1643% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.0476% | 795 |
| Noncurrent loans to loans | 0.9144% | 2,452 |
| Net loans and leases to total assets | 74.7379% | 1,697 |
| Net loans and leases to deposits | 111.8433% | 210 |
| Net loans and leases to core deposits | 117.3987% | 595 |
| Total domestic deposits to total assets | 66.8237% | 5,869 |
| Equity capital to assets | 8.1186% | 5,765 |
| Core capital (leverage) ratio | 8.3684% | 5,473 |
| Tier 1 risk-based capital ratio | 11.9520% | 4,857 |
| Total risk-based capital ratio | 12.9495% | 4,929 |
| Memoranda: | ||
| Average total assets | $363,862,330 | 1,845 |
| Average earning assets | $332,440,670 | 1,866 |
| Average equity | $28,917,330 | 2,460 |
| Average total loans | $266,724,000 | 1,683 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5725% | 4,693 |
| Cost of funding earning assets | 0.7768% | 557 |
| Net interest margin | 2.7957% | 5,469 |
| Noninterest income to average assets | 4.5918% | 136 |
| Noninterest expense to average assets | 7.0175% | 139 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1122% | 5,663 |
| Return on assets (ROA) | 0.1122% | 5,712 |
| Pretax return on assets | 0.1199% | 5,719 |
| Return on Equity (ROE) | 1.4273% | 5,630 |
| Retained earnings to average equity (ytd only) | 1.4273% | 4,695 |
| Net charge-offs to loans | -0.0137% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3200% | 334 |
| Assets per employee ($millions) | 2.1006% | 5,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 5,138 |
| Loan loss allowance to noncurrent loans | 80.8210% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 2.4336% | 624 |
| Noncurrent loans to loans | 1.0813% | 2,235 |
| Net loans and leases to total assets | 72.2203% | 2,000 |
| Net loans and leases to deposits | 104.1553% | 404 |
| Net loans and leases to core deposits | 108.9631% | 915 |
| Total domestic deposits to total assets | 69.3391% | 5,889 |
| Equity capital to assets | 7.4613% | 5,954 |
| Core capital (leverage) ratio | 9.1209% | 4,706 |
| Tier 1 risk-based capital ratio | 11.9020% | 4,975 |
| Total risk-based capital ratio | 12.8946% | 5,053 |
| Memoranda: | ||
| Average total assets | $363,607,500 | 1,847 |
| Average earning assets | $331,081,000 | 1,878 |
| Average equity | $28,585,000 | 2,471 |
| Average total loans | $262,678,000 | 1,709 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 3,930 |
| Cost of funding earning assets | 0.8363% | 411 |
| Net interest margin | 2.9995% | 5,139 |
| Noninterest income to average assets | 4.8412% | 128 |
| Noninterest expense to average assets | 7.7567% | 116 |
| Loan and lease loss provision to assets | -0.7798% | 6,163 |
| Net operating income to assets | 0.5906% | 4,324 |
| Return on assets (ROA) | 0.5906% | 4,419 |
| Pretax return on assets | 0.5928% | 4,861 |
| Return on Equity (ROE) | 7.6764% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.6764% | 1,026 |
| Net charge-offs to loans | 0.0505% | 3,189 |
| Credit loss provision to net charge-offs | -2,184.4961% | 5,660 |
| Earnings coverage of net charge-offs (x) | -5.2403% | 4,402 |
| Efficiency ratio | 102.4714% | 241 |
| Assets per employee ($millions) | 1.8929% | 6,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,571 |
| Loan loss allowance to noncurrent loans | 72.8461% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.9553% | 445 |
| Noncurrent loans to loans | 1.3809% | 1,700 |
| Net loans and leases to total assets | 70.8250% | 2,241 |
| Net loans and leases to deposits | 99.3221% | 728 |
| Net loans and leases to core deposits | 105.3056% | 1,147 |
| Total domestic deposits to total assets | 71.3084% | 5,833 |
| Equity capital to assets | 8.3155% | 5,694 |
| Core capital (leverage) ratio | 9.0715% | 4,793 |
| Tier 1 risk-based capital ratio | 13.1987% | 4,170 |
| Total risk-based capital ratio | 14.2992% | 4,188 |
| Memoranda: | ||
| Average total assets | $361,353,400 | 1,812 |
| Average earning assets | $328,692,200 | 1,851 |
| Average equity | $27,799,400 | 2,479 |
| Average total loans | $255,200,000 | 1,696 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 4,018 |
| Cost of funding earning assets | 0.8433% | 395 |
| Net interest margin | 2.9792% | 5,250 |
| Noninterest income to average assets | 4.6051% | 141 |
| Noninterest expense to average assets | 7.5946% | 127 |
| Loan and lease loss provision to assets | -1.0251% | 6,259 |
| Net operating income to assets | 0.7443% | 3,708 |
| Return on assets (ROA) | 0.7443% | 3,800 |
| Pretax return on assets | 0.7487% | 4,498 |
| Return on Equity (ROE) | 9.8601% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.8601% | 657 |
| Net charge-offs to loans | 0.0956% | 2,197 |
| Credit loss provision to net charge-offs | -1,523.2432% | 5,554 |
| Earnings coverage of net charge-offs (x) | -4.1081% | 4,117 |
| Efficiency ratio | 103.7779% | 215 |
| Assets per employee ($millions) | 1.9799% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 4,875 |
| Loan loss allowance to noncurrent loans | 67.1529% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.9532% | 522 |
| Noncurrent loans to loans | 1.4482% | 1,730 |
| Net loans and leases to total assets | 70.7613% | 2,273 |
| Net loans and leases to deposits | 95.3054% | 1,070 |
| Net loans and leases to core deposits | 100.0784% | 1,508 |
| Total domestic deposits to total assets | 74.2469% | 5,692 |
| Equity capital to assets | 8.2968% | 5,830 |
| Core capital (leverage) ratio | 8.5061% | 5,548 |
| Tier 1 risk-based capital ratio | 12.4584% | 4,788 |
| Total risk-based capital ratio | 13.4756% | 4,847 |
| Memoranda: | ||
| Average total assets | $366,513,500 | 1,801 |
| Average earning assets | $333,777,250 | 1,834 |
| Average equity | $27,666,250 | 2,500 |
| Average total loans | $258,059,500 | 1,688 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 4,215 |
| Cost of funding earning assets | 0.8342% | 419 |
| Net interest margin | 2.9239% | 5,399 |
| Noninterest income to average assets | 4.2643% | 150 |
| Noninterest expense to average assets | 7.4378% | 129 |
| Loan and lease loss provision to assets | -1.5076% | 6,339 |
| Net operating income to assets | 0.9977% | 2,403 |
| Return on assets (ROA) | 0.9977% | 2,514 |
| Pretax return on assets | 1.0041% | 3,575 |
| Return on Equity (ROE) | 13.6329% | 977 |
| Retained earnings to average equity (ytd only) | 13.6329% | 261 |
| Net charge-offs to loans | 0.0641% | 2,464 |
| Credit loss provision to net charge-offs | -3,354.7619% | 5,545 |
| Earnings coverage of net charge-offs (x) | -11.2024% | 3,846 |
| Efficiency ratio | 107.2597% | 205 |
| Assets per employee ($millions) | 2.0150% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 5,080 |
| Loan loss allowance to noncurrent loans | 61.9260% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 3.4734% | 418 |
| Noncurrent loans to loans | 1.5419% | 1,717 |
| Net loans and leases to total assets | 71.7536% | 2,028 |
| Net loans and leases to deposits | 88.5399% | 1,767 |
| Net loans and leases to core deposits | 92.4987% | 2,105 |
| Total domestic deposits to total assets | 81.0410% | 4,610 |
| Equity capital to assets | 7.7594% | 6,061 |
| Core capital (leverage) ratio | 8.0020% | 5,930 |
| Tier 1 risk-based capital ratio | 12.0493% | 5,110 |
| Total risk-based capital ratio | 13.0810% | 5,156 |
| Memoranda: | ||
| Average total assets | $373,849,330 | 1,779 |
| Average earning assets | $341,389,330 | 1,795 |
| Average equity | $27,360,330 | 2,533 |
| Average total loans | $262,022,330 | 1,671 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6000% | 4,692 |
| Cost of funding earning assets | 0.7845% | 555 |
| Net interest margin | 2.8156% | 5,615 |
| Noninterest income to average assets | 4.0838% | 157 |
| Noninterest expense to average assets | 7.0730% | 144 |
| Loan and lease loss provision to assets | -1.9220% | 6,410 |
| Net operating income to assets | 1.5036% | 840 |
| Return on assets (ROA) | 1.5036% | 892 |
| Pretax return on assets | 1.5141% | 1,520 |
| Return on Equity (ROE) | 21.1484% | 223 |
| Retained earnings to average equity (ytd only) | 21.1484% | 85 |
| Net charge-offs to loans | 0.1387% | 1,415 |
| Credit loss provision to net charge-offs | -2,008.7912% | 5,139 |
| Earnings coverage of net charge-offs (x) | -4.2637% | 3,228 |
| Efficiency ratio | 106.1208% | 239 |
| Assets per employee ($millions) | 2.2082% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 3,680 |
| Loan loss allowance to noncurrent loans | 72.0738% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 3.6715% | 434 |
| Noncurrent loans to loans | 1.7356% | 1,574 |
| Net loans and leases to total assets | 71.8895% | 1,822 |
| Net loans and leases to deposits | 89.3192% | 1,457 |
| Net loans and leases to core deposits | 97.5301% | 1,516 |
| Total domestic deposits to total assets | 80.4861% | 4,937 |
| Equity capital to assets | 7.3288% | 6,216 |
| Core capital (leverage) ratio | 8.2058% | 5,803 |
| Tier 1 risk-based capital ratio | 11.0339% | 5,789 |
| Total risk-based capital ratio | 12.2798% | 5,726 |
| Memoranda: | ||
| Average total assets | $380,432,500 | 1,754 |
| Average earning assets | $348,773,500 | 1,762 |
| Average equity | $27,047,000 | 2,577 |
| Average total loans | $262,384,500 | 1,669 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 2,669 |
| Cost of funding earning assets | 0.8501% | 505 |
| Net interest margin | 3.4331% | 4,052 |
| Noninterest income to average assets | 2.9223% | 198 |
| Noninterest expense to average assets | 6.8866% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.8428% | 6,352 |
| Return on assets (ROA) | -0.8428% | 6,351 |
| Pretax return on assets | -0.8382% | 6,344 |
| Return on Equity (ROE) | -14.8321% | 6,411 |
| Retained earnings to average equity (ytd only) | -14.8321% | 6,382 |
| Net charge-offs to loans | 0.7415% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -1.6269% | 4,824 |
| Efficiency ratio | 113.8582% | 173 |
| Assets per employee ($millions) | 2.4130% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1885% | 836 |
| Loan loss allowance to noncurrent loans | 129.5416% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 3.8948% | 439 |
| Noncurrent loans to loans | 1.6894% | 1,733 |
| Net loans and leases to total assets | 63.6828% | 3,263 |
| Net loans and leases to deposits | 74.3339% | 3,393 |
| Net loans and leases to core deposits | 79.6114% | 3,337 |
| Total domestic deposits to total assets | 85.6713% | 2,997 |
| Equity capital to assets | 6.8884% | 6,341 |
| Core capital (leverage) ratio | 7.0170% | 6,309 |
| Tier 1 risk-based capital ratio | 11.7766% | 5,503 |
| Total risk-based capital ratio | 13.0392% | 5,407 |
| Memoranda: | ||
| Average total assets | $391,674,800 | 1,672 |
| Average earning assets | $356,650,600 | 1,680 |
| Average equity | $22,255,800 | 2,918 |
| Average total loans | $272,158,200 | 1,562 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 2,624 |
| Cost of funding earning assets | 0.8541% | 529 |
| Net interest margin | 3.4487% | 4,024 |
| Noninterest income to average assets | 2.5843% | 230 |
| Noninterest expense to average assets | 6.8626% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.1473% | 6,476 |
| Return on assets (ROA) | -1.1473% | 6,473 |
| Pretax return on assets | -1.1412% | 6,465 |
| Return on Equity (ROE) | -21.2744% | 6,516 |
| Retained earnings to average equity (ytd only) | -21.2744% | 6,498 |
| Net charge-offs to loans | 1.0095% | 298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -1.6027% | 4,546 |
| Efficiency ratio | 119.9469% | 133 |
| Assets per employee ($millions) | 2.4550% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 1,548 |
| Loan loss allowance to noncurrent loans | 118.7514% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 4.3218% | 435 |
| Noncurrent loans to loans | 1.5664% | 2,076 |
| Net loans and leases to total assets | 71.2829% | 1,977 |
| Net loans and leases to deposits | 83.9166% | 2,161 |
| Net loans and leases to core deposits | 89.6915% | 2,258 |
| Total domestic deposits to total assets | 84.9449% | 3,360 |
| Equity capital to assets | 5.8267% | 6,492 |
| Core capital (leverage) ratio | 6.1339% | 6,471 |
| Tier 1 risk-based capital ratio | 9.1494% | 6,470 |
| Total risk-based capital ratio | 10.4087% | 6,459 |
| Memoranda: | ||
| Average total assets | $394,883,500 | 1,677 |
| Average earning assets | $359,198,000 | 1,693 |
| Average equity | $21,295,750 | 3,026 |
| Average total loans | $278,534,250 | 1,540 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 4,260 |
| Cost of funding earning assets | 0.8579% | 536 |
| Net interest margin | 3.0124% | 5,485 |
| Noninterest income to average assets | 2.6013% | 230 |
| Noninterest expense to average assets | 6.8639% | 143 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.5329% | 6,576 |
| Return on assets (ROA) | -1.5329% | 6,574 |
| Pretax return on assets | -1.5269% | 6,560 |
| Return on Equity (ROE) | -29.2025% | 6,607 |
| Retained earnings to average equity (ytd only) | -29.2025% | 6,584 |
| Net charge-offs to loans | 1.5463% | 173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.4139% | 4,227 |
| Efficiency ratio | 128.6093% | 107 |
| Assets per employee ($millions) | 2.5102% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 1,572 |
| Loan loss allowance to noncurrent loans | 52.4955% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 5.9261% | 256 |
| Noncurrent loans to loans | 3.6298% | 715 |
| Net loans and leases to total assets | 68.1041% | 2,397 |
| Net loans and leases to deposits | 78.7661% | 2,701 |
| Net loans and leases to core deposits | 84.3022% | 2,706 |
| Total domestic deposits to total assets | 86.4638% | 2,780 |
| Equity capital to assets | 5.8081% | 6,547 |
| Core capital (leverage) ratio | 6.3275% | 6,505 |
| Tier 1 risk-based capital ratio | 9.3957% | 6,503 |
| Total risk-based capital ratio | 10.6550% | 6,491 |
| Memoranda: | ||
| Average total assets | $395,579,000 | 1,674 |
| Average earning assets | $359,253,670 | 1,686 |
| Average equity | $20,765,330 | 3,088 |
| Average total loans | $276,277,670 | 1,549 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 4,301 |
| Cost of funding earning assets | 0.8652% | 544 |
| Net interest margin | 2.9824% | 5,565 |
| Noninterest income to average assets | 1.8984% | 365 |
| Noninterest expense to average assets | 7.3111% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.7221% | 6,683 |
| Return on assets (ROA) | -2.7221% | 6,682 |
| Pretax return on assets | -2.7099% | 6,676 |
| Return on Equity (ROE) | -54.8127% | 6,695 |
| Retained earnings to average equity (ytd only) | -54.8127% | 6,678 |
| Net charge-offs to loans | 1.1266% | 300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -3.4337% | 3,563 |
| Efficiency ratio | 158.8962% | 48 |
| Assets per employee ($millions) | 2.2988% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5105% | 805 |
| Loan loss allowance to noncurrent loans | 58.0231% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 6.6100% | 241 |
| Noncurrent loans to loans | 4.3267% | 589 |
| Net loans and leases to total assets | 68.3841% | 2,163 |
| Net loans and leases to deposits | 78.2626% | 2,513 |
| Net loans and leases to core deposits | 82.5881% | 2,679 |
| Total domestic deposits to total assets | 87.3777% | 2,580 |
| Equity capital to assets | 4.9368% | 6,643 |
| Core capital (leverage) ratio | 5.3434% | 6,633 |
| Tier 1 risk-based capital ratio | 8.0995% | 6,621 |
| Total risk-based capital ratio | 9.3664% | 6,623 |
| Memoranda: | ||
| Average total assets | $393,811,500 | 1,692 |
| Average earning assets | $356,891,500 | 1,703 |
| Average equity | $19,557,500 | 3,220 |
| Average total loans | $275,870,000 | 1,551 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5266% | 5,588 |
| Cost of funding earning assets | 1.0298% | 391 |
| Net interest margin | 2.4969% | 6,373 |
| Noninterest income to average assets | 3.1448% | 216 |
| Noninterest expense to average assets | 7.4658% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -2.0473% | 6,720 |
| Return on assets (ROA) | -2.0481% | 6,720 |
| Pretax return on assets | -2.0461% | 6,713 |
| Return on Equity (ROE) | -39.4571% | 6,758 |
| Retained earnings to average equity (ytd only) | -39.4571% | 6,755 |
| Net charge-offs to loans | 0.6093% | 1,077 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -4.9314% | 5,390 |
| Efficiency ratio | 137.7338% | 89 |
| Assets per employee ($millions) | 2.1611% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5814% | 740 |
| Loan loss allowance to noncurrent loans | 48.7414% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 7.1341% | 232 |
| Noncurrent loans to loans | 5.2961% | 442 |
| Net loans and leases to total assets | 68.1591% | 2,328 |
| Net loans and leases to deposits | 77.4538% | 2,793 |
| Net loans and leases to core deposits | 81.8467% | 2,912 |
| Total domestic deposits to total assets | 87.9998% | 2,179 |
| Equity capital to assets | 4.9932% | 6,691 |
| Core capital (leverage) ratio | 5.0581% | 6,710 |
| Tier 1 risk-based capital ratio | 8.8544% | 6,667 |
| Total risk-based capital ratio | 10.1236% | 6,661 |
| Memoranda: | ||
| Average total assets | $548,517,800 | 1,208 |
| Average earning assets | $499,908,200 | 1,220 |
| Average equity | $28,471,400 | 2,342 |
| Average total loans | $373,405,400 | 1,140 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 5,829 |
| Cost of funding earning assets | 1.0376% | 411 |
| Net interest margin | 2.3883% | 6,527 |
| Noninterest income to average assets | 3.4888% | 198 |
| Noninterest expense to average assets | 7.5601% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.8934% | 6,795 |
| Return on assets (ROA) | -1.8943% | 6,802 |
| Pretax return on assets | -1.8918% | 6,797 |
| Return on Equity (ROE) | -36.2523% | 6,834 |
| Retained earnings to average equity (ytd only) | -36.2523% | 6,830 |
| Net charge-offs to loans | 0.9844% | 586 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -2.8354% | 5,101 |
| Efficiency ratio | 133.3535% | 117 |
| Assets per employee ($millions) | 2.1704% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 1,363 |
| Loan loss allowance to noncurrent loans | 46.9150% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 6.1627% | 376 |
| Noncurrent loans to loans | 4.6421% | 685 |
| Net loans and leases to total assets | 59.6641% | 3,745 |
| Net loans and leases to deposits | 67.0715% | 4,165 |
| Net loans and leases to core deposits | 70.6014% | 4,254 |
| Total domestic deposits to total assets | 88.9560% | 1,577 |
| Equity capital to assets | 4.7748% | 6,784 |
| Core capital (leverage) ratio | 5.0859% | 6,783 |
| Tier 1 risk-based capital ratio | 9.2362% | 6,706 |
| Total risk-based capital ratio | 10.5002% | 6,699 |
| Memoranda: | ||
| Average total assets | $582,993,000 | 1,153 |
| Average earning assets | $532,237,000 | 1,150 |
| Average equity | $30,463,500 | 2,248 |
| Average total loans | $394,934,500 | 1,085 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4020% | 5,903 |
| Cost of funding earning assets | 1.0592% | 409 |
| Net interest margin | 2.3428% | 6,590 |
| Noninterest income to average assets | 3.8814% | 189 |
| Noninterest expense to average assets | 7.4022% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.3845% | 6,800 |
| Return on assets (ROA) | -1.3845% | 6,803 |
| Pretax return on assets | -1.3828% | 6,792 |
| Return on Equity (ROE) | -25.8708% | 6,847 |
| Retained earnings to average equity (ytd only) | -25.8708% | 6,829 |
| Net charge-offs to loans | 0.5760% | 1,148 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -3.4475% | 4,800 |
| Efficiency ratio | 122.9730% | 163 |
| Assets per employee ($millions) | 2.0007% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3166% | 1,229 |
| Loan loss allowance to noncurrent loans | 38.7514% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 7.7004% | 287 |
| Noncurrent loans to loans | 5.9782% | 480 |
| Net loans and leases to total assets | 65.4113% | 2,693 |
| Net loans and leases to deposits | 73.5347% | 3,222 |
| Net loans and leases to core deposits | 79.2518% | 3,120 |
| Total domestic deposits to total assets | 88.9530% | 1,655 |
| Equity capital to assets | 5.3476% | 6,803 |
| Core capital (leverage) ratio | 5.3096% | 6,807 |
| Tier 1 risk-based capital ratio | 9.3227% | 6,739 |
| Total risk-based capital ratio | 10.5893% | 6,725 |
| Memoranda: | ||
| Average total assets | $607,307,670 | 1,106 |
| Average earning assets | $554,205,670 | 1,107 |
| Average equity | $32,500,000 | 2,125 |
| Average total loans | $422,882,330 | 1,008 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3788% | 5,986 |
| Cost of funding earning assets | 1.0578% | 458 |
| Net interest margin | 2.3209% | 6,673 |
| Noninterest income to average assets | 3.9036% | 190 |
| Noninterest expense to average assets | 7.3081% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.2805% | 6,859 |
| Return on assets (ROA) | -1.2805% | 6,864 |
| Pretax return on assets | -1.2774% | 6,852 |
| Return on Equity (ROE) | -23.9208% | 6,914 |
| Retained earnings to average equity (ytd only) | -23.9208% | 6,868 |
| Net charge-offs to loans | 0.4545% | 1,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -3.9708% | 4,058 |
| Efficiency ratio | 121.1812% | 208 |
| Assets per employee ($millions) | 2.1906% | 6,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2236% | 1,539 |
| Loan loss allowance to noncurrent loans | 43.5823% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 6.7884% | 423 |
| Noncurrent loans to loans | 5.1020% | 736 |
| Net loans and leases to total assets | 66.2709% | 2,320 |
| Net loans and leases to deposits | 74.7423% | 2,808 |
| Net loans and leases to core deposits | 80.4494% | 2,752 |
| Total domestic deposits to total assets | 88.6659% | 1,891 |
| Equity capital to assets | 5.4961% | 6,863 |
| Core capital (leverage) ratio | 5.1872% | 6,866 |
| Tier 1 risk-based capital ratio | 9.4679% | 6,765 |
| Total risk-based capital ratio | 10.7354% | 6,755 |
| Memoranda: | ||
| Average total assets | $637,865,000 | 1,071 |
| Average earning assets | $584,592,500 | 1,060 |
| Average equity | $34,146,000 | 2,068 |
| Average total loans | $451,451,000 | 946 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3395% | 6,550 |
| Cost of funding earning assets | 1.2127% | 544 |
| Net interest margin | 2.1268% | 6,893 |
| Noninterest income to average assets | 4.4538% | 164 |
| Noninterest expense to average assets | 7.0646% | 143 |
| Loan and lease loss provision to assets | 1.5458% | 200 |
| Net operating income to assets | -2.2126% | 6,952 |
| Return on assets (ROA) | -2.0501% | 6,943 |
| Pretax return on assets | -2.0487% | 6,934 |
| Return on Equity (ROE) | -61.8348% | 7,040 |
| Retained earnings to average equity (ytd only) | -61.8348% | 7,039 |
| Net charge-offs to loans | 4.1021% | 64 |
| Credit loss provision to net charge-offs | 54.8487% | 4,582 |
| Earnings coverage of net charge-offs (x) | -0.2361% | 5,585 |
| Efficiency ratio | 110.3997% | 328 |
| Assets per employee ($millions) | 2.3812% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9772% | 2,081 |
| Loan loss allowance to noncurrent loans | 42.9223% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 6.5846% | 501 |
| Noncurrent loans to loans | 4.6064% | 917 |
| Net loans and leases to total assets | 72.0596% | 1,480 |
| Net loans and leases to deposits | 82.6473% | 1,915 |
| Net loans and leases to core deposits | 89.2641% | 1,928 |
| Total domestic deposits to total assets | 87.1893% | 2,714 |
| Equity capital to assets | 5.2226% | 6,937 |
| Core capital (leverage) ratio | 5.1917% | 6,923 |
| Tier 1 risk-based capital ratio | 8.8870% | 6,861 |
| Total risk-based capital ratio | 10.1524% | 6,861 |
| Memoranda: | ||
| Average total assets | $735,097,600 | 905 |
| Average earning assets | $672,377,000 | 894 |
| Average equity | $24,371,400 | 2,722 |
| Average total loans | $505,032,000 | 821 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3340% | 6,698 |
| Cost of funding earning assets | 1.2417% | 573 |
| Net interest margin | 2.0923% | 7,013 |
| Noninterest income to average assets | 4.1301% | 180 |
| Noninterest expense to average assets | 7.1487% | 137 |
| Loan and lease loss provision to assets | 1.9342% | 133 |
| Net operating income to assets | -3.0422% | 7,115 |
| Return on assets (ROA) | -2.8304% | 7,109 |
| Pretax return on assets | -2.8287% | 7,103 |
| Return on Equity (ROE) | -97.8452% | 7,160 |
| Retained earnings to average equity (ytd only) | -97.8452% | 7,159 |
| Net charge-offs to loans | 5.4639% | 28 |
| Credit loss provision to net charge-offs | 52.3382% | 4,339 |
| Earnings coverage of net charge-offs (x) | -0.2993% | 5,447 |
| Efficiency ratio | 118.3080% | 207 |
| Assets per employee ($millions) | 2.6383% | 6,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 2,602 |
| Loan loss allowance to noncurrent loans | 36.6151% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 6.9509% | 521 |
| Noncurrent loans to loans | 5.0929% | 879 |
| Net loans and leases to total assets | 66.3045% | 2,597 |
| Net loans and leases to deposits | 73.7589% | 3,324 |
| Net loans and leases to core deposits | 80.0555% | 3,202 |
| Total domestic deposits to total assets | 89.8936% | 897 |
| Equity capital to assets | 4.2325% | 7,091 |
| Core capital (leverage) ratio | 4.2298% | 7,077 |
| Tier 1 risk-based capital ratio | 7.5279% | 7,020 |
| Total risk-based capital ratio | 8.7906% | 7,021 |
| Memoranda: | ||
| Average total assets | $752,187,750 | 891 |
| Average earning assets | $687,531,500 | 888 |
| Average equity | $21,759,000 | 3,030 |
| Average total loans | $508,755,250 | 821 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2598% | 6,840 |
| Cost of funding earning assets | 1.2897% | 548 |
| Net interest margin | 1.9701% | 7,114 |
| Noninterest income to average assets | 3.4905% | 207 |
| Noninterest expense to average assets | 6.9049% | 149 |
| Loan and lease loss provision to assets | 2.0959% | 131 |
| Net operating income to assets | -3.7118% | 7,185 |
| Return on assets (ROA) | -3.3981% | 7,173 |
| Pretax return on assets | -3.3955% | 7,167 |
| Return on Equity (ROE) | -137.6282% | 7,220 |
| Retained earnings to average equity (ytd only) | -137.6282% | 7,218 |
| Net charge-offs to loans | 6.0978% | 33 |
| Credit loss provision to net charge-offs | 50.8016% | 4,016 |
| Earnings coverage of net charge-offs (x) | -0.3910% | 5,210 |
| Efficiency ratio | 130.4861% | 160 |
| Assets per employee ($millions) | 2.8527% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3424% | 1,514 |
| Loan loss allowance to noncurrent loans | 31.0769% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 8.4336% | 392 |
| Noncurrent loans to loans | 7.5375% | 482 |
| Net loans and leases to total assets | 65.6029% | 2,752 |
| Net loans and leases to deposits | 71.0746% | 3,755 |
| Net loans and leases to core deposits | 77.8374% | 3,542 |
| Total domestic deposits to total assets | 92.3015% | 184 |
| Equity capital to assets | 2.3318% | 7,209 |
| Core capital (leverage) ratio | 2.2532% | 7,208 |
| Tier 1 risk-based capital ratio | 4.2571% | 7,179 |
| Total risk-based capital ratio | 5.5275% | 7,181 |
| Memoranda: | ||
| Average total assets | $761,950,000 | 877 |
| Average earning assets | $696,606,000 | 871 |
| Average equity | $18,813,000 | 3,377 |
| Average total loans | $515,532,330 | 809 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0943% | 7,005 |
| Cost of funding earning assets | 1.3452% | 528 |
| Net interest margin | 1.7491% | 7,214 |
| Noninterest income to average assets | 3.0045% | 240 |
| Noninterest expense to average assets | 6.9949% | 144 |
| Loan and lease loss provision to assets | 2.4531% | 106 |
| Net operating income to assets | -4.8522% | 7,269 |
| Return on assets (ROA) | -4.8522% | 7,268 |
| Pretax return on assets | -4.8471% | 7,265 |
| Return on Equity (ROE) | -191.6322% | 7,283 |
| Retained earnings to average equity (ytd only) | -191.6322% | 7,280 |
| Net charge-offs to loans | 8.9456% | 26 |
| Credit loss provision to net charge-offs | 40.3985% | 3,445 |
| Earnings coverage of net charge-offs (x) | -0.3942% | 4,485 |
| Efficiency ratio | 152.0306% | 100 |
| Assets per employee ($millions) | 3.3082% | 5,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5779% | 1,253 |
| Loan loss allowance to noncurrent loans | 31.0288% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 9.2308% | 369 |
| Noncurrent loans to loans | 8.3081% | 453 |
| Net loans and leases to total assets | 58.6178% | 3,939 |
| Net loans and leases to deposits | 63.3547% | 4,721 |
| Net loans and leases to core deposits | 69.1025% | 4,550 |
| Total domestic deposits to total assets | 92.5232% | 184 |
| Equity capital to assets | 1.9848% | 7,282 |
| Core capital (leverage) ratio | 1.8275% | 7,288 |
| Tier 1 risk-based capital ratio | 3.5728% | 7,258 |
| Total risk-based capital ratio | 4.8444% | 7,259 |
| Memoranda: | ||
| Average total assets | $783,483,000 | 849 |
| Average earning assets | $715,129,500 | 839 |
| Average equity | $19,838,000 | 3,244 |
| Average total loans | $531,838,000 | 785 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4993% | 6,997 |
| Cost of funding earning assets | 1.5512% | 579 |
| Net interest margin | 1.9481% | 7,229 |
| Noninterest income to average assets | 2.0967% | 346 |
| Noninterest expense to average assets | 5.4146% | 275 |
| Loan and lease loss provision to assets | 2.9037% | 132 |
| Net operating income to assets | -4.4265% | 7,278 |
| Return on assets (ROA) | -4.0183% | 7,259 |
| Pretax return on assets | -4.0158% | 7,270 |
| Return on Equity (ROE) | -93.5776% | 7,304 |
| Retained earnings to average equity (ytd only) | -93.5776% | 7,304 |
| Net charge-offs to loans | 3.7400% | 185 |
| Credit loss provision to net charge-offs | 119.1516% | 2,684 |
| Earnings coverage of net charge-offs (x) | -0.6238% | 6,123 |
| Efficiency ratio | 139.0394% | 184 |
| Assets per employee ($millions) | 3.1593% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1748% | 697 |
| Loan loss allowance to noncurrent loans | 35.9116% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 10.7916% | 276 |
| Noncurrent loans to loans | 8.8405% | 409 |
| Net loans and leases to total assets | 72.9559% | 1,464 |
| Net loans and leases to deposits | 80.2057% | 2,486 |
| Net loans and leases to core deposits | 89.0194% | 2,249 |
| Total domestic deposits to total assets | 90.9611% | 524 |
| Equity capital to assets | 3.0618% | 7,274 |
| Core capital (leverage) ratio | 3.0165% | 7,266 |
| Tier 1 risk-based capital ratio | 5.0994% | 7,243 |
| Total risk-based capital ratio | 6.3846% | 7,244 |
| Memoranda: | ||
| Average total assets | $847,396,000 | 770 |
| Average earning assets | $781,958,400 | 754 |
| Average equity | $36,388,000 | 1,861 |
| Average total loans | $552,167,000 | 763 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4534% | 7,107 |
| Cost of funding earning assets | 1.5834% | 626 |
| Net interest margin | 1.8699% | 7,325 |
| Noninterest income to average assets | 1.9754% | 389 |
| Noninterest expense to average assets | 5.0599% | 356 |
| Loan and lease loss provision to assets | 1.7550% | 349 |
| Net operating income to assets | -3.1136% | 7,278 |
| Return on assets (ROA) | -2.5785% | 7,233 |
| Pretax return on assets | -2.5756% | 7,223 |
| Return on Equity (ROE) | -56.3096% | 7,309 |
| Retained earnings to average equity (ytd only) | -56.3096% | 7,306 |
| Net charge-offs to loans | 2.8910% | 337 |
| Credit loss provision to net charge-offs | 96.6621% | 3,548 |
| Earnings coverage of net charge-offs (x) | -0.7466% | 5,891 |
| Efficiency ratio | 136.5957% | 195 |
| Assets per employee ($millions) | 3.0659% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7931% | 1,041 |
| Loan loss allowance to noncurrent loans | 28.6759% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 11.0504% | 289 |
| Noncurrent loans to loans | 9.7403% | 364 |
| Net loans and leases to total assets | 68.1026% | 2,471 |
| Net loans and leases to deposits | 75.8999% | 3,345 |
| Net loans and leases to core deposits | 83.3314% | 3,142 |
| Total domestic deposits to total assets | 89.7269% | 1,021 |
| Equity capital to assets | 4.1603% | 7,316 |
| Core capital (leverage) ratio | 4.0398% | 7,302 |
| Tier 1 risk-based capital ratio | 6.8051% | 7,258 |
| Total risk-based capital ratio | 8.0793% | 7,260 |
| Memoranda: | ||
| Average total assets | $860,206,000 | 766 |
| Average earning assets | $795,302,000 | 751 |
| Average equity | $39,390,750 | 1,721 |
| Average total loans | $540,236,750 | 788 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4468% | 7,189 |
| Cost of funding earning assets | 1.6005% | 692 |
| Net interest margin | 1.8463% | 7,396 |
| Noninterest income to average assets | 1.3585% | 691 |
| Noninterest expense to average assets | 4.7952% | 439 |
| Loan and lease loss provision to assets | 1.2381% | 620 |
| Net operating income to assets | -2.9633% | 7,307 |
| Return on assets (ROA) | -2.4373% | 7,263 |
| Pretax return on assets | -2.4331% | 7,240 |
| Return on Equity (ROE) | -51.8997% | 7,353 |
| Retained earnings to average equity (ytd only) | -51.8997% | 7,350 |
| Net charge-offs to loans | 2.2742% | 559 |
| Credit loss provision to net charge-offs | 89.5739% | 3,462 |
| Earnings coverage of net charge-offs (x) | -1.2452% | 5,665 |
| Efficiency ratio | 155.9829% | 129 |
| Assets per employee ($millions) | 3.4129% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9919% | 905 |
| Loan loss allowance to noncurrent loans | 25.2827% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 10.8713% | 320 |
| Noncurrent loans to loans | 11.8337% | 265 |
| Net loans and leases to total assets | 57.1765% | 4,793 |
| Net loans and leases to deposits | 63.7069% | 5,315 |
| Net loans and leases to core deposits | 71.6285% | 4,861 |
| Total domestic deposits to total assets | 89.7493% | 1,098 |
| Equity capital to assets | 4.5072% | 7,357 |
| Core capital (leverage) ratio | 4.3146% | 7,357 |
| Tier 1 risk-based capital ratio | 8.1211% | 7,240 |
| Total risk-based capital ratio | 9.3950% | 7,241 |
| Memoranda: | ||
| Average total assets | $896,556,000 | 743 |
| Average earning assets | $833,110,000 | 723 |
| Average equity | $42,104,330 | 1,589 |
| Average total loans | $544,897,000 | 789 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2081% | 7,333 |
| Cost of funding earning assets | 1.6194% | 759 |
| Net interest margin | 1.5887% | 7,492 |
| Noninterest income to average assets | 1.4378% | 616 |
| Noninterest expense to average assets | 4.8289% | 425 |
| Loan and lease loss provision to assets | 0.7057% | 1,201 |
| Net operating income to assets | -2.6208% | 7,356 |
| Return on assets (ROA) | -2.0631% | 7,290 |
| Pretax return on assets | -2.0571% | 7,262 |
| Return on Equity (ROE) | -43.1702% | 7,387 |
| Retained earnings to average equity (ytd only) | -43.1702% | 7,370 |
| Net charge-offs to loans | 1.4112% | 971 |
| Credit loss provision to net charge-offs | 81.2008% | 3,136 |
| Earnings coverage of net charge-offs (x) | -2.1969% | 4,967 |
| Efficiency ratio | 165.3874% | 107 |
| Assets per employee ($millions) | 3.6265% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0872% | 844 |
| Loan loss allowance to noncurrent loans | 22.7530% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 10.6910% | 355 |
| Noncurrent loans to loans | 13.5685% | 202 |
| Net loans and leases to total assets | 51.7533% | 5,615 |
| Net loans and leases to deposits | 58.0698% | 5,916 |
| Net loans and leases to core deposits | 65.3470% | 5,577 |
| Total domestic deposits to total assets | 89.1225% | 1,695 |
| Equity capital to assets | 4.7113% | 7,392 |
| Core capital (leverage) ratio | 4.6036% | 7,388 |
| Tier 1 risk-based capital ratio | 9.3460% | 7,178 |
| Total risk-based capital ratio | 10.6202% | 7,177 |
| Memoranda: | ||
| Average total assets | $935,288,000 | 722 |
| Average earning assets | $872,418,000 | 696 |
| Average equity | $44,697,500 | 1,499 |
| Average total loans | $575,959,500 | 761 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1988% | 6,923 |
| Cost of funding earning assets | 2.0550% | 499 |
| Net interest margin | 2.1438% | 7,414 |
| Noninterest income to average assets | 3.1907% | 216 |
| Noninterest expense to average assets | 5.2356% | 356 |
| Loan and lease loss provision to assets | 3.0366% | 308 |
| Net operating income to assets | -3.0731% | 7,308 |
| Return on assets (ROA) | -2.8051% | 7,270 |
| Pretax return on assets | -2.8034% | 7,246 |
| Return on Equity (ROE) | -55.5416% | 7,456 |
| Retained earnings to average equity (ytd only) | -55.5416% | 7,453 |
| Net charge-offs to loans | 4.3891% | 257 |
| Credit loss provision to net charge-offs | 98.0504% | 4,722 |
| Earnings coverage of net charge-offs (x) | -0.0112% | 6,140 |
| Efficiency ratio | 100.6686% | 756 |
| Assets per employee ($millions) | 3.6784% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2339% | 1,811 |
| Loan loss allowance to noncurrent loans | 22.0740% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 9.3680% | 469 |
| Noncurrent loans to loans | 10.1200% | 414 |
| Net loans and leases to total assets | 67.4962% | 3,104 |
| Net loans and leases to deposits | 76.2262% | 3,807 |
| Net loans and leases to core deposits | 89.0596% | 2,888 |
| Total domestic deposits to total assets | 88.5472% | 1,924 |
| Equity capital to assets | 4.8407% | 7,444 |
| Core capital (leverage) ratio | 4.5154% | 7,459 |
| Tier 1 risk-based capital ratio | 8.3742% | 7,316 |
| Total risk-based capital ratio | 9.6423% | 7,326 |
| Memoranda: | ||
| Average total assets | $992,086,800 | 667 |
| Average earning assets | $930,207,800 | 646 |
| Average equity | $50,104,800 | 1,334 |
| Average total loans | $700,034,800 | 625 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 7,097 |
| Cost of funding earning assets | 2.1261% | 488 |
| Net interest margin | 2.0671% | 7,560 |
| Noninterest income to average assets | 2.7684% | 239 |
| Noninterest expense to average assets | 4.6144% | 529 |
| Loan and lease loss provision to assets | 3.4120% | 220 |
| Net operating income to assets | -3.3211% | 7,492 |
| Return on assets (ROA) | -2.9650% | 7,452 |
| Pretax return on assets | -2.9627% | 7,409 |
| Return on Equity (ROE) | -58.1150% | 7,597 |
| Retained earnings to average equity (ytd only) | -58.1150% | 7,595 |
| Net charge-offs to loans | 4.5405% | 219 |
| Credit loss provision to net charge-offs | 105.9340% | 4,034 |
| Earnings coverage of net charge-offs (x) | 0.0289% | 6,002 |
| Efficiency ratio | 98.0226% | 817 |
| Assets per employee ($millions) | 3.9865% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 2,156 |
| Loan loss allowance to noncurrent loans | 25.0091% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 8.7232% | 536 |
| Noncurrent loans to loans | 8.1048% | 631 |
| Net loans and leases to total assets | 78.9125% | 897 |
| Net loans and leases to deposits | 88.1434% | 1,992 |
| Net loans and leases to core deposits | 103.0773% | 1,560 |
| Total domestic deposits to total assets | 89.5275% | 1,110 |
| Equity capital to assets | 4.4766% | 7,616 |
| Core capital (leverage) ratio | 4.4577% | 7,594 |
| Tier 1 risk-based capital ratio | 6.7478% | 7,570 |
| Total risk-based capital ratio | 8.0139% | 7,574 |
| Memoranda: | ||
| Average total assets | $995,495,750 | 661 |
| Average earning assets | $933,834,750 | 643 |
| Average equity | $50,790,000 | 1,319 |
| Average total loans | $706,166,750 | 621 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 7,229 |
| Cost of funding earning assets | 2.2652% | 382 |
| Net interest margin | 1.8893% | 7,674 |
| Noninterest income to average assets | 1.8441% | 400 |
| Noninterest expense to average assets | 4.1821% | 828 |
| Loan and lease loss provision to assets | 3.6151% | 234 |
| Net operating income to assets | -4.1796% | 7,640 |
| Return on assets (ROA) | -4.1170% | 7,641 |
| Pretax return on assets | -4.1131% | 7,617 |
| Return on Equity (ROE) | -77.3077% | 7,697 |
| Retained earnings to average equity (ytd only) | -77.3077% | 7,695 |
| Net charge-offs to loans | 4.6402% | 239 |
| Credit loss provision to net charge-offs | 115.4173% | 3,514 |
| Earnings coverage of net charge-offs (x) | -0.1790% | 5,860 |
| Efficiency ratio | 115.4806% | 472 |
| Assets per employee ($millions) | 3.7860% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6098% | 1,180 |
| Loan loss allowance to noncurrent loans | 28.5866% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 9.4926% | 448 |
| Noncurrent loans to loans | 9.1295% | 518 |
| Net loans and leases to total assets | 71.1684% | 2,621 |
| Net loans and leases to deposits | 79.7253% | 3,647 |
| Net loans and leases to core deposits | 92.4776% | 2,922 |
| Total domestic deposits to total assets | 89.2670% | 1,300 |
| Equity capital to assets | 4.5036% | 7,664 |
| Core capital (leverage) ratio | 4.1073% | 7,673 |
| Tier 1 risk-based capital ratio | 6.5146% | 7,635 |
| Total risk-based capital ratio | 7.7853% | 7,637 |
| Memoranda: | ||
| Average total assets | $977,845,330 | 673 |
| Average earning assets | $919,911,670 | 646 |
| Average equity | $52,075,000 | 1,277 |
| Average total loans | $660,064,670 | 663 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 7,486 |
| Cost of funding earning assets | 2.3229% | 400 |
| Net interest margin | 1.6425% | 7,807 |
| Noninterest income to average assets | 1.3077% | 703 |
| Noninterest expense to average assets | 3.8840% | 1,200 |
| Loan and lease loss provision to assets | 1.6406% | 699 |
| Net operating income to assets | -2.6733% | 7,591 |
| Return on assets (ROA) | -2.6733% | 7,590 |
| Pretax return on assets | -2.6657% | 7,541 |
| Return on Equity (ROE) | -46.7610% | 7,697 |
| Retained earnings to average equity (ytd only) | -46.7610% | 7,687 |
| Net charge-offs to loans | 3.0993% | 489 |
| Credit loss provision to net charge-offs | 81.6306% | 3,838 |
| Earnings coverage of net charge-offs (x) | -0.5100% | 5,283 |
| Efficiency ratio | 135.8541% | 283 |
| Assets per employee ($millions) | 4.3810% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3436% | 1,508 |
| Loan loss allowance to noncurrent loans | 22.3708% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 8.2347% | 590 |
| Noncurrent loans to loans | 10.4760% | 393 |
| Net loans and leases to total assets | 60.0482% | 5,113 |
| Net loans and leases to deposits | 65.4879% | 5,880 |
| Net loans and leases to core deposits | 82.8409% | 4,375 |
| Total domestic deposits to total assets | 91.6937% | 324 |
| Equity capital to assets | 5.2677% | 7,696 |
| Core capital (leverage) ratio | 5.3547% | 7,673 |
| Tier 1 risk-based capital ratio | 8.7602% | 7,527 |
| Total risk-based capital ratio | 10.0246% | 7,544 |
| Memoranda: | ||
| Average total assets | $993,520,000 | 679 |
| Average earning assets | $938,305,500 | 655 |
| Average equity | $56,799,500 | 1,167 |
| Average total loans | $644,268,500 | 706 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 7,270 |
| Cost of funding earning assets | 2.7050% | 582 |
| Net interest margin | 1.9072% | 7,780 |
| Noninterest income to average assets | 2.4710% | 276 |
| Noninterest expense to average assets | 4.4476% | 839 |
| Loan and lease loss provision to assets | 1.3496% | 1,707 |
| Net operating income to assets | -1.5239% | 6,870 |
| Return on assets (ROA) | -1.1141% | 6,661 |
| Pretax return on assets | -1.1128% | 6,485 |
| Return on Equity (ROE) | -16.4257% | 7,009 |
| Retained earnings to average equity (ytd only) | -16.4257% | 6,958 |
| Net charge-offs to loans | 1.6293% | 1,555 |
| Credit loss provision to net charge-offs | 114.9905% | 4,751 |
| Earnings coverage of net charge-offs (x) | -0.1474% | 6,386 |
| Efficiency ratio | 104.0474% | 955 |
| Assets per employee ($millions) | 4.1460% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3839% | 1,369 |
| Loan loss allowance to noncurrent loans | 23.4915% | 6,881 |
| Noncurrent assets plus other real estate owned to assets | 8.7991% | 462 |
| Noncurrent loans to loans | 10.1478% | 401 |
| Net loans and leases to total assets | 66.7945% | 3,972 |
| Net loans and leases to deposits | 73.7375% | 5,091 |
| Net loans and leases to core deposits | 90.5973% | 5,062 |
| Total domestic deposits to total assets | 90.5843% | 707 |
| Equity capital to assets | 6.1959% | 7,632 |
| Core capital (leverage) ratio | 6.2061% | 7,586 |
| Tier 1 risk-based capital ratio | 9.5024% | 7,223 |
| Total risk-based capital ratio | 10.7675% | 7,189 |
| Memoranda: | ||
| Average total assets | $989,546,200 | 676 |
| Average earning assets | $935,788,200 | 646 |
| Average equity | $67,120,600 | 983 |
| Average total loans | $712,808,000 | 649 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 7,354 |
| Cost of funding earning assets | 2.7856% | 619 |
| Net interest margin | 1.8638% | 7,867 |
| Noninterest income to average assets | 2.9874% | 225 |
| Noninterest expense to average assets | 4.4491% | 787 |
| Loan and lease loss provision to assets | 1.6163% | 1,167 |
| Net operating income to assets | -1.3158% | 7,019 |
| Return on assets (ROA) | -1.3158% | 7,021 |
| Pretax return on assets | -1.3139% | 6,869 |
| Return on Equity (ROE) | -19.0020% | 7,338 |
| Retained earnings to average equity (ytd only) | -19.0020% | 7,303 |
| Net charge-offs to loans | 1.8858% | 1,067 |
| Credit loss provision to net charge-offs | 117.5669% | 4,327 |
| Earnings coverage of net charge-offs (x) | 0.2200% | 5,800 |
| Efficiency ratio | 93.6358% | 1,423 |
| Assets per employee ($millions) | 4.2031% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4171% | 1,153 |
| Loan loss allowance to noncurrent loans | 23.5563% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 8.6573% | 460 |
| Noncurrent loans to loans | 10.2611% | 379 |
| Net loans and leases to total assets | 64.6671% | 4,718 |
| Net loans and leases to deposits | 71.4355% | 5,745 |
| Net loans and leases to core deposits | 84.3507% | 6,015 |
| Total domestic deposits to total assets | 90.5252% | 581 |
| Equity capital to assets | 6.4304% | 7,776 |
| Core capital (leverage) ratio | 6.2370% | 7,754 |
| Tier 1 risk-based capital ratio | 9.5566% | 7,330 |
| Total risk-based capital ratio | 10.8213% | 7,285 |
| Memoranda: | ||
| Average total assets | $996,462,500 | 683 |
| Average earning assets | $943,127,000 | 652 |
| Average equity | $69,001,500 | 962 |
| Average total loans | $726,466,500 | 653 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 7,400 |
| Cost of funding earning assets | 2.8969% | 614 |
| Net interest margin | 1.7973% | 7,943 |
| Noninterest income to average assets | 3.6010% | 177 |
| Noninterest expense to average assets | 4.2787% | 975 |
| Loan and lease loss provision to assets | 0.8104% | 2,065 |
| Net operating income to assets | 0.2068% | 5,240 |
| Return on assets (ROA) | 0.2068% | 5,315 |
| Pretax return on assets | 0.2092% | 5,443 |
| Return on Equity (ROE) | 2.9188% | 4,934 |
| Retained earnings to average equity (ytd only) | 2.9188% | 3,705 |
| Net charge-offs to loans | 1.2308% | 1,494 |
| Credit loss provision to net charge-offs | 87.6946% | 4,990 |
| Earnings coverage of net charge-offs (x) | 1.1034% | 4,689 |
| Efficiency ratio | 80.7559% | 2,925 |
| Assets per employee ($millions) | 4.3639% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8882% | 1,824 |
| Loan loss allowance to noncurrent loans | 23.6768% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 7.2105% | 575 |
| Noncurrent loans to loans | 7.9751% | 558 |
| Net loans and leases to total assets | 70.1802% | 3,658 |
| Net loans and leases to deposits | 78.1697% | 4,843 |
| Net loans and leases to core deposits | 93.2988% | 5,202 |
| Total domestic deposits to total assets | 89.7792% | 922 |
| Equity capital to assets | 7.2238% | 7,470 |
| Core capital (leverage) ratio | 7.2633% | 7,284 |
| Tier 1 risk-based capital ratio | 10.1982% | 6,719 |
| Total risk-based capital ratio | 11.4564% | 6,633 |
| Memoranda: | ||
| Average total assets | $1,000,778,330 | 696 |
| Average earning assets | $945,082,000 | 663 |
| Average equity | $70,920,670 | 947 |
| Average total loans | $751,367,000 | 645 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 7,518 |
| Cost of funding earning assets | 3.0016% | 604 |
| Net interest margin | 1.6876% | 8,008 |
| Noninterest income to average assets | 2.5121% | 251 |
| Noninterest expense to average assets | 3.7604% | 1,546 |
| Loan and lease loss provision to assets | 0.4474% | 2,684 |
| Net operating income to assets | -0.1034% | 6,413 |
| Return on assets (ROA) | -0.1034% | 6,531 |
| Pretax return on assets | -0.1022% | 6,479 |
| Return on Equity (ROE) | -1.4731% | 6,607 |
| Retained earnings to average equity (ytd only) | -1.4731% | 5,992 |
| Net charge-offs to loans | 0.7242% | 1,739 |
| Credit loss provision to net charge-offs | 80.4146% | 4,183 |
| Earnings coverage of net charge-offs (x) | 0.6204% | 4,496 |
| Efficiency ratio | 91.5924% | 1,605 |
| Assets per employee ($millions) | 4.7431% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 1,960 |
| Loan loss allowance to noncurrent loans | 22.1273% | 7,059 |
| Noncurrent assets plus other real estate owned to assets | 6.9956% | 486 |
| Noncurrent loans to loans | 7.9561% | 454 |
| Net loans and leases to total assets | 73.1249% | 2,983 |
| Net loans and leases to deposits | 81.0220% | 4,447 |
| Net loans and leases to core deposits | 97.2124% | 4,830 |
| Total domestic deposits to total assets | 90.2532% | 693 |
| Equity capital to assets | 6.8382% | 7,753 |
| Core capital (leverage) ratio | 6.8748% | 7,714 |
| Tier 1 risk-based capital ratio | 8.9607% | 7,814 |
| Total risk-based capital ratio | 10.2171% | 7,843 |
| Memoranda: | ||
| Average total assets | $1,005,861,500 | 685 |
| Average earning assets | $949,747,000 | 662 |
| Average equity | $70,601,000 | 953 |
| Average total loans | $772,754,000 | 638 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9742% | 5,671 |
| Cost of funding earning assets | 3.2805% | 976 |
| Net interest margin | 2.6938% | 7,508 |
| Noninterest income to average assets | 1.0679% | 1,375 |
| Noninterest expense to average assets | 4.2043% | 1,144 |
| Loan and lease loss provision to assets | 1.2814% | 1,112 |
| Net operating income to assets | -1.8709% | 7,575 |
| Return on assets (ROA) | -1.8709% | 7,529 |
| Pretax return on assets | -1.8706% | 7,398 |
| Return on Equity (ROE) | -22.5303% | 7,811 |
| Retained earnings to average equity (ytd only) | -22.5303% | 7,745 |
| Net charge-offs to loans | 0.9370% | 1,318 |
| Credit loss provision to net charge-offs | 156.4947% | 3,328 |
| Earnings coverage of net charge-offs (x) | -0.7196% | 6,548 |
| Efficiency ratio | 107.5615% | 768 |
| Assets per employee ($millions) | 4.4415% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 1,593 |
| Loan loss allowance to noncurrent loans | 32.2341% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 5.3935% | 608 |
| Noncurrent loans to loans | 5.6289% | 692 |
| Net loans and leases to total assets | 77.9599% | 2,150 |
| Net loans and leases to deposits | 87.1156% | 3,923 |
| Net loans and leases to core deposits | 104.7551% | 4,325 |
| Total domestic deposits to total assets | 89.4902% | 852 |
| Equity capital to assets | 7.2137% | 7,615 |
| Core capital (leverage) ratio | 7.7697% | 6,844 |
| Tier 1 risk-based capital ratio | 9.0079% | 7,773 |
| Total risk-based capital ratio | 10.2649% | 7,763 |
| Memoranda: | ||
| Average total assets | $864,063,000 | 785 |
| Average earning assets | $817,073,600 | 742 |
| Average equity | $71,752,200 | 924 |
| Average total loans | $755,039,400 | 634 |