Home > Hoyne Savings Bank > Performance and Condition Ratios
Hoyne Savings 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 | 3.6360% | 4,327 |
| Cost of funding earning assets | 1.0595% | 3,174 |
| Net interest margin | 2.5765% | 4,002 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.8030% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.1881% | 4,457 |
| Return on assets (ROA) | -0.1881% | 4,442 |
| Pretax return on assets | -0.2798% | 4,451 |
| Return on Equity (ROE) | -1.1600% | 4,392 |
| Retained earnings to average equity (ytd only) | -1.1640% | 4,199 |
| Net charge-offs to loans | 0.0093% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -75.1765% | 4,587 |
| Efficiency ratio | 109.4932% | 112 |
| Assets per employee ($millions) | 5.5402% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 3,827 |
| Loan loss allowance to noncurrent loans | 92.3980% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 1,238 |
| Noncurrent loans to loans | 0.9300% | 801 |
| Net loans and leases to total assets | 43.0300% | 3,934 |
| Net loans and leases to deposits | 52.2590% | 3,870 |
| Net loans and leases to core deposits | 57.4796% | 3,860 |
| Total domestic deposits to total assets | 82.3400% | 3,058 |
| Equity capital to assets | 16.9365% | 392 |
| Core capital (leverage) ratio | 21.0697% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $456,729,200 | 1,834 |
| Average earning assets | $423,794,600 | 1,822 |
| Average equity | $73,795,800 | 1,198 |
| Average total loans | $183,107,800 | 2,419 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5523% | 4,350 |
| Cost of funding earning assets | 0.9124% | 3,243 |
| Net interest margin | 2.6399% | 3,967 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.5376% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0070% | 4,442 |
| Return on assets (ROA) | -0.0070% | 4,420 |
| Pretax return on assets | 0.0391% | 4,365 |
| Return on Equity (ROE) | -0.0400% | 4,387 |
| Retained earnings to average equity (ytd only) | -0.0435% | 4,151 |
| Net charge-offs to loans | 0.0125% | 1,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 7.9412% | 2,215 |
| Efficiency ratio | 96.9298% | 219 |
| Assets per employee ($millions) | 5.4112% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 3,772 |
| Loan loss allowance to noncurrent loans | 98.2175% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 1,282 |
| Noncurrent loans to loans | 0.9026% | 914 |
| Net loans and leases to total assets | 41.1500% | 4,016 |
| Net loans and leases to deposits | 49.0567% | 3,972 |
| Net loans and leases to core deposits | 53.5245% | 3,951 |
| Total domestic deposits to total assets | 83.8800% | 2,807 |
| Equity capital to assets | 15.6250% | 478 |
| Core capital (leverage) ratio | 20.7198% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $460,106,750 | 1,824 |
| Average earning assets | $427,278,750 | 1,816 |
| Average equity | $73,478,250 | 1,197 |
| Average total loans | $180,793,000 | 2,442 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4708% | 4,370 |
| Cost of funding earning assets | 0.7651% | 3,314 |
| Net interest margin | 2.7057% | 3,964 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.5625% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0237% | 4,405 |
| Return on assets (ROA) | 0.0237% | 4,437 |
| Pretax return on assets | 0.0664% | 4,414 |
| Return on Equity (ROE) | 0.1500% | 4,423 |
| Retained earnings to average equity (ytd only) | 0.1475% | 4,041 |
| Net charge-offs to loans | 0.0190% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 9.0588% | 2,035 |
| Efficiency ratio | 95.9646% | 224 |
| Assets per employee ($millions) | 5.4104% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 3,678 |
| Loan loss allowance to noncurrent loans | 57.7972% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 738 |
| Noncurrent loans to loans | 1.6155% | 401 |
| Net loans and leases to total assets | 38.5900% | 4,088 |
| Net loans and leases to deposits | 46.2135% | 4,040 |
| Net loans and leases to core deposits | 50.0894% | 4,018 |
| Total domestic deposits to total assets | 83.5000% | 2,933 |
| Equity capital to assets | 16.1476% | 431 |
| Core capital (leverage) ratio | 20.2066% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $463,767,000 | 1,818 |
| Average earning assets | $431,317,333 | 1,803 |
| Average equity | $74,579,000 | 1,177 |
| Average total loans | $178,905,333 | 2,450 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 4,405 |
| Cost of funding earning assets | 0.6110% | 3,347 |
| Net interest margin | 2.7456% | 4,017 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.5763% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0470% | 4,454 |
| Return on assets (ROA) | 0.0470% | 4,437 |
| Pretax return on assets | 0.0897% | 4,410 |
| Return on Equity (ROE) | 0.2900% | 4,432 |
| Retained earnings to average equity (ytd only) | 0.2926% | 3,978 |
| Net charge-offs to loans | 0.0378% | 982 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 6.1765% | 1,788 |
| Efficiency ratio | 95.1634% | 232 |
| Assets per employee ($millions) | 5.7848% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 3,774 |
| Loan loss allowance to noncurrent loans | 148.3842% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 1,590 |
| Noncurrent loans to loans | 0.6266% | 1,197 |
| Net loans and leases to total assets | 37.5900% | 4,130 |
| Net loans and leases to deposits | 44.9088% | 4,076 |
| Net loans and leases to core deposits | 48.3494% | 4,038 |
| Total domestic deposits to total assets | 83.7100% | 3,153 |
| Equity capital to assets | 15.9465% | 412 |
| Core capital (leverage) ratio | 20.1052% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $468,415,500 | 1,824 |
| Average earning assets | $436,036,000 | 1,816 |
| Average equity | $75,175,500 | 1,181 |
| Average total loans | $179,842,500 | 2,454 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7443% | 4,372 |
| Cost of funding earning assets | 0.2128% | 3,653 |
| Net interest margin | 2.5315% | 4,249 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.1568% | 3,140 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.3706% | 4,283 |
| Return on assets (ROA) | 0.3706% | 4,248 |
| Pretax return on assets | 0.3519% | 4,327 |
| Return on Equity (ROE) | 2.3200% | 4,358 |
| Retained earnings to average equity (ytd only) | 2.3217% | 3,912 |
| Net charge-offs to loans | 0.2678% | 292 |
| Credit loss provision to net charge-offs | 7.0175% | 1,963 |
| Earnings coverage of net charge-offs (x) | 3.4834% | 2,462 |
| Efficiency ratio | 84.1668% | 489 |
| Assets per employee ($millions) | 5.9012% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4959% | 4,435 |
| Loan loss allowance to noncurrent loans | 196.0870% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 2,310 |
| Noncurrent loans to loans | 0.2529% | 2,254 |
| Net loans and leases to total assets | 38.8200% | 4,108 |
| Net loans and leases to deposits | 46.2761% | 4,044 |
| Net loans and leases to core deposits | 49.3138% | 4,006 |
| Total domestic deposits to total assets | 83.8900% | 3,230 |
| Equity capital to assets | 15.8086% | 401 |
| Core capital (leverage) ratio | 19.8964% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $497,531,400 | 1,723 |
| Average earning assets | $470,471,600 | 1,698 |
| Average equity | $79,424,400 | 1,134 |
| Average total loans | $191,544,000 | 2,300 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5858% | 4,404 |
| Cost of funding earning assets | 0.1730% | 3,591 |
| Net interest margin | 2.4128% | 4,309 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.1294% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2535% | 4,428 |
| Return on assets (ROA) | 0.2535% | 4,392 |
| Pretax return on assets | 0.2855% | 4,391 |
| Return on Equity (ROE) | 1.5800% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.5847% | 4,124 |
| Net charge-offs to loans | 0.3423% | 185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.1727% | 2,253 |
| Efficiency ratio | 86.5509% | 441 |
| Assets per employee ($millions) | 5.8534% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4785% | 4,492 |
| Loan loss allowance to noncurrent loans | 187.0488% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 2,969 |
| Noncurrent loans to loans | 0.2558% | 2,354 |
| Net loans and leases to total assets | 38.1800% | 4,140 |
| Net loans and leases to deposits | 45.1685% | 4,061 |
| Net loans and leases to core deposits | 47.9198% | 4,033 |
| Total domestic deposits to total assets | 84.5200% | 3,383 |
| Equity capital to assets | 15.0670% | 448 |
| Core capital (leverage) ratio | 18.8143% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $505,365,000 | 1,710 |
| Average earning assets | $479,319,250 | 1,688 |
| Average equity | $80,855,750 | 1,132 |
| Average total loans | $193,958,000 | 2,274 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4048% | 4,458 |
| Cost of funding earning assets | 0.1606% | 3,438 |
| Net interest margin | 2.2442% | 4,388 |
| Noninterest income to average assets | 0.1238% | 4,379 |
| Noninterest expense to average assets | 2.0668% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1685% | 4,460 |
| Return on assets (ROA) | 0.1685% | 4,423 |
| Pretax return on assets | 0.1942% | 4,419 |
| Return on Equity (ROE) | 1.0346% | 4,459 |
| Retained earnings to average equity (ytd only) | 1.0346% | 3,989 |
| Net charge-offs to loans | 0.0791% | 680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.3974% | 1,899 |
| Efficiency ratio | 89.6368% | 425 |
| Assets per employee ($millions) | 6.4979% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6751% | 4,376 |
| Loan loss allowance to noncurrent loans | 95.6618% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 1,953 |
| Noncurrent loans to loans | 0.7057% | 1,221 |
| Net loans and leases to total assets | 38.2575% | 4,157 |
| Net loans and leases to deposits | 45.4994% | 4,049 |
| Net loans and leases to core deposits | 47.9128% | 4,029 |
| Total domestic deposits to total assets | 84.0836% | 3,674 |
| Equity capital to assets | 15.6212% | 359 |
| Core capital (leverage) ratio | 18.1949% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $513,826,000 | 1,703 |
| Average earning assets | $489,360,000 | 1,678 |
| Average equity | $83,701,333 | 1,115 |
| Average total loans | $197,237,333 | 2,252 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3018% | 4,455 |
| Cost of funding earning assets | 0.1653% | 3,292 |
| Net interest margin | 2.1365% | 4,410 |
| Noninterest income to average assets | 0.1667% | 4,170 |
| Noninterest expense to average assets | 2.1054% | 3,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0976% | 4,472 |
| Return on assets (ROA) | 0.0976% | 4,444 |
| Pretax return on assets | 0.1068% | 4,438 |
| Return on Equity (ROE) | 0.5875% | 4,474 |
| Retained earnings to average equity (ytd only) | 0.5875% | 3,903 |
| Net charge-offs to loans | 0.0561% | 742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 4.9643% | 1,615 |
| Efficiency ratio | 93.2615% | 413 |
| Assets per employee ($millions) | 6.4367% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6900% | 4,403 |
| Loan loss allowance to noncurrent loans | 66.7160% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 1,527 |
| Noncurrent loans to loans | 1.0343% | 873 |
| Net loans and leases to total assets | 37.7603% | 4,126 |
| Net loans and leases to deposits | 45.6612% | 3,997 |
| Net loans and leases to core deposits | 48.0017% | 3,981 |
| Total domestic deposits to total assets | 82.6966% | 3,982 |
| Equity capital to assets | 16.0813% | 312 |
| Core capital (leverage) ratio | 17.6293% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $520,570,000 | 1,706 |
| Average earning assets | $498,389,500 | 1,673 |
| Average equity | $86,472,500 | 1,125 |
| Average total loans | $199,497,000 | 2,234 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4339% | 4,524 |
| Cost of funding earning assets | 0.3264% | 2,149 |
| Net interest margin | 2.1075% | 4,538 |
| Noninterest income to average assets | 0.1309% | 4,491 |
| Noninterest expense to average assets | 1.9643% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2288% | 4,505 |
| Return on assets (ROA) | 0.2288% | 4,520 |
| Pretax return on assets | 0.1871% | 4,584 |
| Return on Equity (ROE) | 1.3217% | 4,573 |
| Retained earnings to average equity (ytd only) | 1.3217% | 4,169 |
| Net charge-offs to loans | 0.0218% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 21.0426% | 1,834 |
| Efficiency ratio | 89.2084% | 352 |
| Assets per employee ($millions) | 6.6634% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 4,460 |
| Loan loss allowance to noncurrent loans | 59.9565% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 1,504 |
| Noncurrent loans to loans | 1.1319% | 854 |
| Net loans and leases to total assets | 38.3399% | 4,174 |
| Net loans and leases to deposits | 47.0268% | 4,047 |
| Net loans and leases to core deposits | 49.3551% | 4,039 |
| Total domestic deposits to total assets | 81.5278% | 4,036 |
| Equity capital to assets | 17.2547% | 287 |
| Core capital (leverage) ratio | 17.5226% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $528,475,400 | 1,627 |
| Average earning assets | $506,677,600 | 1,584 |
| Average equity | $91,472,800 | 1,084 |
| Average total loans | $215,668,600 | 2,134 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4497% | 4,607 |
| Cost of funding earning assets | 0.3691% | 1,946 |
| Net interest margin | 2.0806% | 4,635 |
| Noninterest income to average assets | 0.1293% | 4,548 |
| Noninterest expense to average assets | 1.9798% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2304% | 4,597 |
| Return on assets (ROA) | 0.2304% | 4,620 |
| Pretax return on assets | 0.1442% | 4,694 |
| Return on Equity (ROE) | 1.3299% | 4,664 |
| Retained earnings to average equity (ytd only) | 1.3299% | 4,343 |
| Net charge-offs to loans | 0.0725% | 922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 4.8067% | 2,249 |
| Efficiency ratio | 91.0407% | 295 |
| Assets per employee ($millions) | 6.6865% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 4,616 |
| Loan loss allowance to noncurrent loans | 70.7634% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 2,033 |
| Noncurrent loans to loans | 0.8690% | 1,323 |
| Net loans and leases to total assets | 39.9868% | 4,208 |
| Net loans and leases to deposits | 49.0805% | 4,060 |
| Net loans and leases to core deposits | 51.6881% | 4,053 |
| Total domestic deposits to total assets | 81.4718% | 4,019 |
| Equity capital to assets | 17.3084% | 318 |
| Core capital (leverage) ratio | 17.2661% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $528,992,500 | 1,638 |
| Average earning assets | $507,153,000 | 1,595 |
| Average equity | $91,633,500 | 1,098 |
| Average total loans | $218,785,000 | 2,141 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4754% | 4,636 |
| Cost of funding earning assets | 0.4162% | 1,754 |
| Net interest margin | 2.0592% | 4,675 |
| Noninterest income to average assets | 0.1338% | 4,533 |
| Noninterest expense to average assets | 1.9900% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1840% | 4,648 |
| Return on assets (ROA) | 0.1840% | 4,663 |
| Pretax return on assets | 0.1179% | 4,721 |
| Return on Equity (ROE) | 1.0621% | 4,694 |
| Retained earnings to average equity (ytd only) | 1.0621% | 4,326 |
| Net charge-offs to loans | 0.0435% | 1,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 1,955 |
| Efficiency ratio | 92.1119% | 289 |
| Assets per employee ($millions) | 6.2745% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6295% | 4,629 |
| Loan loss allowance to noncurrent loans | 50.1456% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 1,623 |
| Noncurrent loans to loans | 1.2554% | 945 |
| Net loans and leases to total assets | 40.7841% | 4,251 |
| Net loans and leases to deposits | 50.0274% | 4,109 |
| Net loans and leases to core deposits | 52.5413% | 4,105 |
| Total domestic deposits to total assets | 81.5236% | 4,002 |
| Equity capital to assets | 17.2119% | 315 |
| Core capital (leverage) ratio | 17.2073% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $529,245,333 | 1,629 |
| Average earning assets | $507,388,000 | 1,587 |
| Average equity | $91,701,667 | 1,092 |
| Average total loans | $220,869,667 | 2,143 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5097% | 4,634 |
| Cost of funding earning assets | 0.4598% | 1,652 |
| Net interest margin | 2.0499% | 4,707 |
| Noninterest income to average assets | 0.1168% | 4,599 |
| Noninterest expense to average assets | 2.0569% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0964% | 4,715 |
| Return on assets (ROA) | 0.0964% | 4,725 |
| Pretax return on assets | 0.0250% | 4,774 |
| Return on Equity (ROE) | 0.5543% | 4,747 |
| Retained earnings to average equity (ytd only) | 0.5543% | 4,293 |
| Net charge-offs to loans | 0.0631% | 904 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 0.9429% | 1,873 |
| Efficiency ratio | 96.1370% | 246 |
| Assets per employee ($millions) | 6.0633% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6325% | 4,648 |
| Loan loss allowance to noncurrent loans | 46.1666% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 1,659 |
| Noncurrent loans to loans | 1.3699% | 929 |
| Net loans and leases to total assets | 41.4300% | 4,272 |
| Net loans and leases to deposits | 51.0797% | 4,100 |
| Net loans and leases to core deposits | 53.8150% | 4,101 |
| Total domestic deposits to total assets | 81.1086% | 4,050 |
| Equity capital to assets | 17.1303% | 299 |
| Core capital (leverage) ratio | 17.2742% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,201,500 | 1,613 |
| Average earning assets | $505,392,000 | 1,574 |
| Average equity | $91,654,000 | 1,088 |
| Average total loans | $221,858,000 | 2,139 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9429% | 4,675 |
| Cost of funding earning assets | 0.7571% | 1,414 |
| Net interest margin | 2.1858% | 4,769 |
| Noninterest income to average assets | 0.8781% | 1,320 |
| Noninterest expense to average assets | 2.0833% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9195% | 2,614 |
| Return on assets (ROA) | 0.9824% | 2,497 |
| Pretax return on assets | 0.9428% | 3,245 |
| Return on Equity (ROE) | 5.6647% | 3,687 |
| Retained earnings to average equity (ytd only) | 5.6647% | 1,962 |
| Net charge-offs to loans | -0.3320% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6952% | 2,270 |
| Assets per employee ($millions) | 5.9202% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6830% | 4,609 |
| Loan loss allowance to noncurrent loans | 45.0236% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 1,630 |
| Noncurrent loans to loans | 1.5169% | 873 |
| Net loans and leases to total assets | 42.2005% | 4,342 |
| Net loans and leases to deposits | 52.4966% | 4,195 |
| Net loans and leases to core deposits | 55.3112% | 4,190 |
| Total domestic deposits to total assets | 80.3871% | 3,983 |
| Equity capital to assets | 17.6400% | 294 |
| Core capital (leverage) ratio | 17.3887% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,743,600 | 1,654 |
| Average earning assets | $442,353,000 | 1,617 |
| Average equity | $80,427,600 | 1,153 |
| Average total loans | $211,444,200 | 2,155 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0040% | 4,731 |
| Cost of funding earning assets | 0.8355% | 1,334 |
| Net interest margin | 2.1685% | 4,828 |
| Noninterest income to average assets | 0.1122% | 4,717 |
| Noninterest expense to average assets | 2.1490% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0363% | 4,748 |
| Return on assets (ROA) | 0.1232% | 4,707 |
| Pretax return on assets | 0.1158% | 4,717 |
| Return on Equity (ROE) | 0.7141% | 4,736 |
| Retained earnings to average equity (ytd only) | 0.7141% | 4,333 |
| Net charge-offs to loans | -0.1370% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7246% | 246 |
| Assets per employee ($millions) | 5.7004% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5073% | 4,804 |
| Loan loss allowance to noncurrent loans | 43.6844% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 2,113 |
| Noncurrent loans to loans | 1.1613% | 1,304 |
| Net loans and leases to total assets | 45.3364% | 4,347 |
| Net loans and leases to deposits | 55.6816% | 4,275 |
| Net loans and leases to core deposits | 58.5636% | 4,276 |
| Total domestic deposits to total assets | 81.4208% | 3,559 |
| Equity capital to assets | 17.2375% | 352 |
| Core capital (leverage) ratio | 16.7169% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,956,000 | 1,684 |
| Average earning assets | $426,707,750 | 1,646 |
| Average equity | $77,298,500 | 1,180 |
| Average total loans | $208,335,000 | 2,173 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0541% | 4,814 |
| Cost of funding earning assets | 0.8976% | 1,385 |
| Net interest margin | 2.1565% | 4,896 |
| Noninterest income to average assets | 0.1051% | 4,761 |
| Noninterest expense to average assets | 2.1840% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0143% | 4,790 |
| Return on assets (ROA) | 0.1163% | 4,700 |
| Pretax return on assets | 0.1051% | 4,719 |
| Return on Equity (ROE) | 0.6737% | 4,727 |
| Retained earnings to average equity (ytd only) | 0.6737% | 4,169 |
| Net charge-offs to loans | -0.2044% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6432% | 231 |
| Assets per employee ($millions) | 5.5884% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4914% | 4,844 |
| Loan loss allowance to noncurrent loans | 73.2068% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 3,056 |
| Noncurrent loans to loans | 0.6712% | 2,187 |
| Net loans and leases to total assets | 46.5720% | 4,335 |
| Net loans and leases to deposits | 57.1761% | 4,259 |
| Net loans and leases to core deposits | 60.0317% | 4,259 |
| Total domestic deposits to total assets | 81.4535% | 3,510 |
| Equity capital to assets | 17.1655% | 363 |
| Core capital (leverage) ratio | 16.6410% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,164,333 | 1,664 |
| Average earning assets | $425,789,333 | 1,629 |
| Average equity | $77,189,333 | 1,174 |
| Average total loans | $209,378,333 | 2,156 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2892% | 4,820 |
| Cost of funding earning assets | 0.9779% | 1,523 |
| Net interest margin | 2.3113% | 4,913 |
| Noninterest income to average assets | 0.1107% | 4,788 |
| Noninterest expense to average assets | 2.3276% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0018% | 4,751 |
| Return on assets (ROA) | 0.0018% | 4,742 |
| Pretax return on assets | -0.0171% | 4,742 |
| Return on Equity (ROE) | 0.0104% | 4,742 |
| Retained earnings to average equity (ytd only) | 0.0104% | 3,986 |
| Net charge-offs to loans | -0.3382% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9357% | 350 |
| Assets per employee ($millions) | 5.4075% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4803% | 4,890 |
| Loan loss allowance to noncurrent loans | 72.9455% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 3,202 |
| Noncurrent loans to loans | 0.6584% | 2,340 |
| Net loans and leases to total assets | 46.8729% | 4,388 |
| Net loans and leases to deposits | 57.1553% | 4,312 |
| Net loans and leases to core deposits | 60.0231% | 4,353 |
| Total domestic deposits to total assets | 82.0097% | 3,419 |
| Equity capital to assets | 17.5300% | 392 |
| Core capital (leverage) ratio | 16.7910% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $444,415,000 | 1,634 |
| Average earning assets | $422,959,500 | 1,586 |
| Average equity | $76,933,000 | 1,176 |
| Average total loans | $208,140,000 | 2,129 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3677% | 4,932 |
| Cost of funding earning assets | 0.9724% | 1,845 |
| Net interest margin | 2.3952% | 5,014 |
| Noninterest income to average assets | 0.1515% | 4,735 |
| Noninterest expense to average assets | 2.2942% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1387% | 4,899 |
| Return on assets (ROA) | 0.1576% | 4,900 |
| Pretax return on assets | 0.1517% | 4,916 |
| Return on Equity (ROE) | 0.9287% | 4,923 |
| Retained earnings to average equity (ytd only) | 0.9287% | 4,407 |
| Net charge-offs to loans | 0.0573% | 2,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 5.0598% | 3,133 |
| Efficiency ratio | 90.0860% | 352 |
| Assets per employee ($millions) | 5.4989% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3987% | 4,989 |
| Loan loss allowance to noncurrent loans | 67.4551% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 3,326 |
| Noncurrent loans to loans | 0.5910% | 2,409 |
| Net loans and leases to total assets | 46.3856% | 4,505 |
| Net loans and leases to deposits | 56.2439% | 4,449 |
| Net loans and leases to core deposits | 59.1241% | 4,480 |
| Total domestic deposits to total assets | 82.4723% | 3,371 |
| Equity capital to assets | 17.0931% | 456 |
| Core capital (leverage) ratio | 16.7445% | 439 |
| Tier 1 risk-based capital ratio | 39.3787% | 250 |
| Total risk-based capital ratio | 39.8173% | 258 |
| Memoranda: | ||
| Average total assets | $445,511,800 | 1,575 |
| Average earning assets | $423,262,200 | 1,532 |
| Average equity | $75,588,600 | 1,142 |
| Average total loans | $204,304,600 | 2,138 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 5,032 |
| Cost of funding earning assets | 0.9571% | 1,958 |
| Net interest margin | 2.4231% | 5,099 |
| Noninterest income to average assets | 0.1598% | 4,748 |
| Noninterest expense to average assets | 2.3408% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1251% | 4,998 |
| Return on assets (ROA) | 0.1502% | 5,002 |
| Pretax return on assets | 0.1451% | 5,017 |
| Return on Equity (ROE) | 0.8871% | 5,025 |
| Retained earnings to average equity (ytd only) | 0.8871% | 4,596 |
| Net charge-offs to loans | 0.0767% | 1,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.4272% | 3,100 |
| Efficiency ratio | 90.7455% | 304 |
| Assets per employee ($millions) | 5.3427% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3990% | 5,065 |
| Loan loss allowance to noncurrent loans | 57.7918% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 3,253 |
| Noncurrent loans to loans | 0.6903% | 2,234 |
| Net loans and leases to total assets | 46.5591% | 4,575 |
| Net loans and leases to deposits | 56.4758% | 4,536 |
| Net loans and leases to core deposits | 59.6952% | 4,547 |
| Total domestic deposits to total assets | 82.4408% | 3,338 |
| Equity capital to assets | 17.1700% | 469 |
| Core capital (leverage) ratio | 16.7683% | 467 |
| Tier 1 risk-based capital ratio | 39.3599% | 254 |
| Total risk-based capital ratio | 39.8002% | 266 |
| Memoranda: | ||
| Average total assets | $445,536,250 | 1,576 |
| Average earning assets | $423,077,250 | 1,542 |
| Average equity | $75,452,000 | 1,133 |
| Average total loans | $203,522,000 | 2,156 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 5,093 |
| Cost of funding earning assets | 0.9180% | 2,063 |
| Net interest margin | 2.4637% | 5,147 |
| Noninterest income to average assets | 0.1721% | 4,722 |
| Noninterest expense to average assets | 2.3548% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1591% | 5,026 |
| Return on assets (ROA) | 0.1591% | 5,037 |
| Pretax return on assets | 0.1569% | 5,046 |
| Return on Equity (ROE) | 0.9439% | 5,054 |
| Retained earnings to average equity (ytd only) | 0.9439% | 4,453 |
| Net charge-offs to loans | 0.0435% | 2,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 7.9545% | 2,448 |
| Efficiency ratio | 89.4718% | 373 |
| Assets per employee ($millions) | 5.2534% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4434% | 5,073 |
| Loan loss allowance to noncurrent loans | 82.4176% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 3,566 |
| Noncurrent loans to loans | 0.5380% | 2,661 |
| Net loans and leases to total assets | 45.2571% | 4,672 |
| Net loans and leases to deposits | 54.7895% | 4,646 |
| Net loans and leases to core deposits | 57.7455% | 4,656 |
| Total domestic deposits to total assets | 82.6019% | 3,333 |
| Equity capital to assets | 17.0060% | 467 |
| Core capital (leverage) ratio | 16.5664% | 477 |
| Tier 1 risk-based capital ratio | 41.2565% | 219 |
| Total risk-based capital ratio | 41.7605% | 226 |
| Memoranda: | ||
| Average total assets | $446,234,000 | 1,574 |
| Average earning assets | $423,755,670 | 1,540 |
| Average equity | $75,223,000 | 1,136 |
| Average total loans | $202,266,000 | 2,176 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3768% | 5,131 |
| Cost of funding earning assets | 0.8694% | 2,161 |
| Net interest margin | 2.5073% | 5,187 |
| Noninterest income to average assets | 0.1596% | 4,780 |
| Noninterest expense to average assets | 2.3852% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1560% | 5,049 |
| Return on assets (ROA) | 0.1560% | 5,054 |
| Pretax return on assets | 0.1560% | 5,067 |
| Return on Equity (ROE) | 0.9297% | 5,079 |
| Retained earnings to average equity (ytd only) | 0.9297% | 4,328 |
| Net charge-offs to loans | 0.0852% | 1,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.0465% | 2,352 |
| Efficiency ratio | 89.6260% | 410 |
| Assets per employee ($millions) | 5.2356% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4443% | 5,134 |
| Loan loss allowance to noncurrent loans | 79.5234% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 3,592 |
| Noncurrent loans to loans | 0.5587% | 2,648 |
| Net loans and leases to total assets | 45.3705% | 4,689 |
| Net loans and leases to deposits | 54.7676% | 4,651 |
| Net loans and leases to core deposits | 57.7071% | 4,650 |
| Total domestic deposits to total assets | 82.8418% | 3,445 |
| Equity capital to assets | 16.8796% | 461 |
| Core capital (leverage) ratio | 16.5308% | 474 |
| Tier 1 risk-based capital ratio | 41.0610% | 222 |
| Total risk-based capital ratio | 41.5653% | 228 |
| Memoranda: | ||
| Average total assets | $446,080,000 | 1,583 |
| Average earning assets | $423,718,000 | 1,547 |
| Average equity | $74,865,000 | 1,138 |
| Average total loans | $201,903,000 | 2,195 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2511% | 5,114 |
| Cost of funding earning assets | 0.6880% | 2,157 |
| Net interest margin | 2.5631% | 5,177 |
| Noninterest income to average assets | 0.0706% | 5,227 |
| Noninterest expense to average assets | 2.2307% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3142% | 4,988 |
| Return on assets (ROA) | 0.3146% | 4,980 |
| Pretax return on assets | 0.2643% | 5,074 |
| Return on Equity (ROE) | 1.9594% | 5,048 |
| Retained earnings to average equity (ytd only) | 1.9594% | 4,366 |
| Net charge-offs to loans | 0.0265% | 2,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 23.2115% | 1,861 |
| Efficiency ratio | 84.4610% | 623 |
| Assets per employee ($millions) | 5.3231% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4697% | 5,155 |
| Loan loss allowance to noncurrent loans | 113.0539% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 3,613 |
| Noncurrent loans to loans | 0.4154% | 3,047 |
| Net loans and leases to total assets | 44.7406% | 4,790 |
| Net loans and leases to deposits | 54.0326% | 4,749 |
| Net loans and leases to core deposits | 56.6341% | 4,760 |
| Total domestic deposits to total assets | 82.8030% | 3,393 |
| Equity capital to assets | 16.6866% | 445 |
| Core capital (leverage) ratio | 16.4476% | 462 |
| Tier 1 risk-based capital ratio | 46.8969% | 153 |
| Total risk-based capital ratio | 47.5028% | 158 |
| Memoranda: | ||
| Average total assets | $457,394,400 | 1,520 |
| Average earning assets | $432,567,400 | 1,494 |
| Average equity | $73,440,600 | 1,108 |
| Average total loans | $196,105,000 | 2,200 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1924% | 5,199 |
| Cost of funding earning assets | 0.6472% | 2,168 |
| Net interest margin | 2.5452% | 5,259 |
| Noninterest income to average assets | 0.0586% | 5,323 |
| Noninterest expense to average assets | 2.3909% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1386% | 5,236 |
| Return on assets (ROA) | 0.1391% | 5,229 |
| Pretax return on assets | 0.0725% | 5,261 |
| Return on Equity (ROE) | 0.8749% | 5,246 |
| Retained earnings to average equity (ytd only) | 0.8749% | 4,886 |
| Net charge-offs to loans | 0.0411% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 4.1333% | 3,097 |
| Efficiency ratio | 91.8315% | 282 |
| Assets per employee ($millions) | 5.2618% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4660% | 5,227 |
| Loan loss allowance to noncurrent loans | 80.9689% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 3,106 |
| Noncurrent loans to loans | 0.5755% | 2,651 |
| Net loans and leases to total assets | 44.6994% | 4,856 |
| Net loans and leases to deposits | 53.7849% | 4,830 |
| Net loans and leases to core deposits | 56.3960% | 4,838 |
| Total domestic deposits to total assets | 83.1077% | 3,265 |
| Equity capital to assets | 16.3465% | 481 |
| Core capital (leverage) ratio | 15.9349% | 525 |
| Tier 1 risk-based capital ratio | 42.6032% | 196 |
| Total risk-based capital ratio | 43.1571% | 202 |
| Memoranda: | ||
| Average total assets | $459,958,750 | 1,523 |
| Average earning assets | $434,482,500 | 1,501 |
| Average equity | $73,147,750 | 1,112 |
| Average total loans | $194,882,250 | 2,216 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1481% | 5,266 |
| Cost of funding earning assets | 0.6074% | 2,179 |
| Net interest margin | 2.5406% | 5,315 |
| Noninterest income to average assets | 0.0595% | 5,378 |
| Noninterest expense to average assets | 2.4046% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1517% | 5,260 |
| Return on assets (ROA) | 0.1525% | 5,252 |
| Pretax return on assets | 0.0526% | 5,313 |
| Return on Equity (ROE) | 0.9677% | 5,276 |
| Retained earnings to average equity (ytd only) | 0.9677% | 4,766 |
| Net charge-offs to loans | 0.0404% | 2,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.0769% | 2,915 |
| Efficiency ratio | 92.1768% | 304 |
| Assets per employee ($millions) | 5.3745% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4816% | 5,280 |
| Loan loss allowance to noncurrent loans | 42.7232% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 2,251 |
| Noncurrent loans to loans | 1.1273% | 1,563 |
| Net loans and leases to total assets | 43.2869% | 4,939 |
| Net loans and leases to deposits | 52.0746% | 4,910 |
| Net loans and leases to core deposits | 54.2752% | 4,924 |
| Total domestic deposits to total assets | 83.1248% | 3,379 |
| Equity capital to assets | 16.0112% | 501 |
| Core capital (leverage) ratio | 15.6811% | 542 |
| Tier 1 risk-based capital ratio | 43.2965% | 194 |
| Total risk-based capital ratio | 43.8740% | 195 |
| Memoranda: | ||
| Average total assets | $464,192,670 | 1,522 |
| Average earning assets | $437,920,330 | 1,497 |
| Average equity | $73,160,000 | 1,113 |
| Average total loans | $192,890,670 | 2,240 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0533% | 5,341 |
| Cost of funding earning assets | 0.5754% | 2,206 |
| Net interest margin | 2.4779% | 5,405 |
| Noninterest income to average assets | 0.0077% | 5,552 |
| Noninterest expense to average assets | 2.3528% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0108% | 5,393 |
| Return on assets (ROA) | -0.0094% | 5,389 |
| Pretax return on assets | -0.0128% | 5,393 |
| Return on Equity (ROE) | -0.0601% | 5,390 |
| Retained earnings to average equity (ytd only) | -0.0601% | 4,812 |
| Net charge-offs to loans | 0.2127% | 701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -0.1683% | 2,661 |
| Efficiency ratio | 98.1353% | 206 |
| Assets per employee ($millions) | 5.3336% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4621% | 5,376 |
| Loan loss allowance to noncurrent loans | 55.4523% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 2,675 |
| Noncurrent loans to loans | 0.8333% | 2,155 |
| Net loans and leases to total assets | 41.5464% | 4,998 |
| Net loans and leases to deposits | 49.8178% | 4,967 |
| Net loans and leases to core deposits | 51.9336% | 4,979 |
| Total domestic deposits to total assets | 83.3966% | 3,545 |
| Equity capital to assets | 15.7056% | 537 |
| Core capital (leverage) ratio | 15.3698% | 577 |
| Tier 1 risk-based capital ratio | 44.2973% | 182 |
| Total risk-based capital ratio | 44.8547% | 185 |
| Memoranda: | ||
| Average total assets | $467,871,000 | 1,518 |
| Average earning assets | $440,050,000 | 1,495 |
| Average equity | $73,167,500 | 1,122 |
| Average total loans | $189,982,500 | 2,275 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0209% | 5,339 |
| Cost of funding earning assets | 0.5259% | 2,129 |
| Net interest margin | 2.4951% | 5,414 |
| Noninterest income to average assets | 1.1381% | 785 |
| Noninterest expense to average assets | 4.2991% | 377 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.1882% | 5,610 |
| Return on assets (ROA) | -1.1882% | 5,608 |
| Pretax return on assets | -0.8132% | 5,580 |
| Return on Equity (ROE) | -7.3839% | 5,570 |
| Retained earnings to average equity (ytd only) | -7.3839% | 5,490 |
| Net charge-offs to loans | 0.1734% | 1,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -11.7417% | 4,091 |
| Efficiency ratio | 122.0104% | 61 |
| Assets per employee ($millions) | 5.4220% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5347% | 5,349 |
| Loan loss allowance to noncurrent loans | 61.8250% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 2,752 |
| Noncurrent loans to loans | 0.8648% | 2,065 |
| Net loans and leases to total assets | 39.2796% | 5,162 |
| Net loans and leases to deposits | 47.0690% | 5,164 |
| Net loans and leases to core deposits | 48.9485% | 5,167 |
| Total domestic deposits to total assets | 83.4511% | 3,399 |
| Equity capital to assets | 15.5723% | 577 |
| Core capital (leverage) ratio | 15.2142% | 586 |
| Tier 1 risk-based capital ratio | 45.4881% | 154 |
| Total risk-based capital ratio | 46.1249% | 156 |
| Memoranda: | ||
| Average total assets | $391,270,000 | 1,747 |
| Average earning assets | $368,165,600 | 1,717 |
| Average equity | $62,961,000 | 1,256 |
| Average total loans | $156,323,200 | 2,586 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0103% | 5,404 |
| Cost of funding earning assets | 0.5032% | 2,238 |
| Net interest margin | 2.5071% | 5,464 |
| Noninterest income to average assets | 1.5016% | 478 |
| Noninterest expense to average assets | 5.1114% | 209 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.7814% | 5,702 |
| Return on assets (ROA) | -1.7814% | 5,702 |
| Pretax return on assets | -1.2508% | 5,686 |
| Return on Equity (ROE) | -10.9582% | 5,678 |
| Retained earnings to average equity (ytd only) | -10.9582% | 5,620 |
| Net charge-offs to loans | 0.1702% | 1,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -18.3261% | 3,777 |
| Efficiency ratio | 131.3483% | 47 |
| Assets per employee ($millions) | 5.4509% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5952% | 5,334 |
| Loan loss allowance to noncurrent loans | 82.7189% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 2,995 |
| Noncurrent loans to loans | 0.7195% | 2,561 |
| Net loans and leases to total assets | 37.9319% | 5,272 |
| Net loans and leases to deposits | 45.4381% | 5,272 |
| Net loans and leases to core deposits | 47.2827% | 5,280 |
| Total domestic deposits to total assets | 83.4804% | 3,294 |
| Equity capital to assets | 15.4724% | 636 |
| Core capital (leverage) ratio | 15.0196% | 660 |
| Tier 1 risk-based capital ratio | 45.2807% | 163 |
| Total risk-based capital ratio | 45.9690% | 167 |
| Memoranda: | ||
| Average total assets | $371,158,500 | 1,836 |
| Average earning assets | $349,234,750 | 1,815 |
| Average equity | $60,337,000 | 1,316 |
| Average total loans | $148,833,000 | 2,681 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 3,400 |
| Cost of funding earning assets | 0.7280% | 768 |
| Net interest margin | 3.2143% | 4,372 |
| Noninterest income to average assets | 4.2898% | 133 |
| Noninterest expense to average assets | 8.6809% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.3765% | 5,741 |
| Return on assets (ROA) | -1.3765% | 5,740 |
| Pretax return on assets | -1.3747% | 5,739 |
| Return on Equity (ROE) | -8.1564% | 5,708 |
| Retained earnings to average equity (ytd only) | -8.1564% | 5,614 |
| Net charge-offs to loans | 0.3186% | 640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -10.5545% | 3,479 |
| Efficiency ratio | 118.4507% | 70 |
| Assets per employee ($millions) | 5.3362% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5932% | 5,392 |
| Loan loss allowance to noncurrent loans | 53.5003% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 2,659 |
| Noncurrent loans to loans | 1.1089% | 1,769 |
| Net loans and leases to total assets | 35.7360% | 5,386 |
| Net loans and leases to deposits | 42.9605% | 5,369 |
| Net loans and leases to core deposits | 44.4816% | 5,387 |
| Total domestic deposits to total assets | 83.1834% | 3,510 |
| Equity capital to assets | 15.8423% | 553 |
| Core capital (leverage) ratio | 15.2885% | 580 |
| Tier 1 risk-based capital ratio | 44.8763% | 165 |
| Total risk-based capital ratio | 45.5096% | 165 |
| Memoranda: | ||
| Average total assets | $337,820,670 | 1,988 |
| Average earning assets | $317,019,670 | 1,972 |
| Average equity | $57,010,670 | 1,389 |
| Average total loans | $138,123,330 | 2,835 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6304% | 5,675 |
| Cost of funding earning assets | 0.3453% | 3,583 |
| Net interest margin | 2.2851% | 5,669 |
| Noninterest income to average assets | 0.0811% | 5,643 |
| Noninterest expense to average assets | 13.2402% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -10.9912% | 5,852 |
| Return on assets (ROA) | -10.9912% | 5,852 |
| Pretax return on assets | -10.9912% | 5,852 |
| Return on Equity (ROE) | -61.5847% | 5,847 |
| Retained earnings to average equity (ytd only) | -61.5847% | 5,831 |
| Net charge-offs to loans | 0.0269% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -897.3750% | 2,942 |
| Efficiency ratio | 588.6998% | 5 |
| Assets per employee ($millions) | 4.9432% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,864 |
| Loan loss allowance to noncurrent loans | 123.1898% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 2,347 |
| Noncurrent loans to loans | 0.8714% | 2,291 |
| Net loans and leases to total assets | 45.1394% | 4,978 |
| Net loans and leases to deposits | 55.0075% | 4,879 |
| Net loans and leases to core deposits | 56.8385% | 4,932 |
| Total domestic deposits to total assets | 82.0604% | 4,152 |
| Equity capital to assets | 16.7437% | 405 |
| Core capital (leverage) ratio | 16.2085% | 437 |
| Tier 1 risk-based capital ratio | 53.6700% | 108 |
| Total risk-based capital ratio | 54.9284% | 108 |
| Memoranda: | ||
| Average total assets | $261,264,500 | 2,458 |
| Average earning assets | $247,871,000 | 2,414 |
| Average equity | $46,628,500 | 1,624 |
| Average total loans | $118,941,500 | 3,122 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6437% | 5,713 |
| Cost of funding earning assets | 0.3293% | 3,756 |
| Net interest margin | 2.3145% | 5,703 |
| Noninterest income to average assets | 0.0399% | 5,793 |
| Noninterest expense to average assets | 2.7540% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.3108% | 5,743 |
| Return on assets (ROA) | -0.3108% | 5,754 |
| Pretax return on assets | -0.5268% | 5,784 |
| Return on Equity (ROE) | -1.6440% | 5,729 |
| Retained earnings to average equity (ytd only) | -1.6440% | 5,503 |
| Net charge-offs to loans | -0.0308% | 5,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6556% | 79 |
| Assets per employee ($millions) | 4.9164% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 4,009 |
| Loan loss allowance to noncurrent loans | 55.8150% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 1,497 |
| Noncurrent loans to loans | 1.8823% | 990 |
| Net loans and leases to total assets | 44.9475% | 5,067 |
| Net loans and leases to deposits | 55.6476% | 4,931 |
| Net loans and leases to core deposits | 57.6926% | 4,989 |
| Total domestic deposits to total assets | 80.7717% | 4,399 |
| Equity capital to assets | 18.9157% | 250 |
| Core capital (leverage) ratio | 18.5737% | 248 |
| Tier 1 risk-based capital ratio | 59.8733% | 82 |
| Total risk-based capital ratio | 61.1340% | 80 |
| Memoranda: | ||
| Average total assets | $268,014,600 | 2,377 |
| Average earning assets | $253,277,600 | 2,335 |
| Average equity | $50,669,000 | 1,497 |
| Average total loans | $126,515,000 | 2,971 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6912% | 5,764 |
| Cost of funding earning assets | 0.3241% | 3,825 |
| Net interest margin | 2.3671% | 5,738 |
| Noninterest income to average assets | 0.0402% | 5,857 |
| Noninterest expense to average assets | 2.6954% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.1315% | 5,770 |
| Return on assets (ROA) | -0.1315% | 5,787 |
| Pretax return on assets | -0.4189% | 5,842 |
| Return on Equity (ROE) | -0.6958% | 5,767 |
| Retained earnings to average equity (ytd only) | -0.6958% | 5,459 |
| Net charge-offs to loans | -0.0510% | 5,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3998% | 86 |
| Assets per employee ($millions) | 4.9231% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 4,272 |
| Loan loss allowance to noncurrent loans | 60.3497% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.1823% | 1,691 |
| Noncurrent loans to loans | 1.6994% | 1,235 |
| Net loans and leases to total assets | 46.3569% | 5,076 |
| Net loans and leases to deposits | 57.5238% | 4,903 |
| Net loans and leases to core deposits | 59.5228% | 4,959 |
| Total domestic deposits to total assets | 80.5874% | 4,360 |
| Equity capital to assets | 19.1034% | 260 |
| Core capital (leverage) ratio | 18.7347% | 244 |
| Tier 1 risk-based capital ratio | 59.2788% | 87 |
| Total risk-based capital ratio | 60.5389% | 85 |
| Memoranda: | ||
| Average total assets | $268,647,500 | 2,385 |
| Average earning assets | $253,807,000 | 2,344 |
| Average equity | $50,781,750 | 1,503 |
| Average total loans | $127,995,000 | 2,958 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7160% | 5,835 |
| Cost of funding earning assets | 0.3181% | 3,920 |
| Net interest margin | 2.3979% | 5,810 |
| Noninterest income to average assets | 0.0289% | 5,955 |
| Noninterest expense to average assets | 2.6753% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.3813% | 5,899 |
| Return on assets (ROA) | -0.3813% | 5,909 |
| Pretax return on assets | -0.3813% | 5,900 |
| Return on Equity (ROE) | -2.0244% | 5,871 |
| Retained earnings to average equity (ytd only) | -2.0244% | 5,546 |
| Net charge-offs to loans | -0.1518% | 5,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6235% | 105 |
| Assets per employee ($millions) | 4.8939% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 4,322 |
| Loan loss allowance to noncurrent loans | 64.1509% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1710% | 1,798 |
| Noncurrent loans to loans | 1.6129% | 1,328 |
| Net loans and leases to total assets | 47.1178% | 5,058 |
| Net loans and leases to deposits | 58.2744% | 4,887 |
| Net loans and leases to core deposits | 59.9317% | 4,985 |
| Total domestic deposits to total assets | 80.8549% | 4,315 |
| Equity capital to assets | 18.7754% | 276 |
| Core capital (leverage) ratio | 18.5249% | 255 |
| Tier 1 risk-based capital ratio | 58.1700% | 96 |
| Total risk-based capital ratio | 59.4269% | 95 |
| Memoranda: | ||
| Average total assets | $269,580,670 | 2,386 |
| Average earning assets | $254,634,670 | 2,348 |
| Average equity | $50,780,330 | 1,513 |
| Average total loans | $129,154,670 | 2,941 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7620% | 5,875 |
| Cost of funding earning assets | 0.3097% | 4,066 |
| Net interest margin | 2.4523% | 5,844 |
| Noninterest income to average assets | 0.0148% | 6,044 |
| Noninterest expense to average assets | 2.7696% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.4418% | 5,948 |
| Return on assets (ROA) | -0.4418% | 5,956 |
| Pretax return on assets | -0.4418% | 5,945 |
| Return on Equity (ROE) | -2.3418% | 5,917 |
| Retained earnings to average equity (ytd only) | -2.3418% | 5,416 |
| Net charge-offs to loans | 0.3455% | 646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -2.6607% | 3,027 |
| Efficiency ratio | 118.9809% | 108 |
| Assets per employee ($millions) | 4.9828% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 5,175 |
| Loan loss allowance to noncurrent loans | 45.4582% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 1.1867% | 1,848 |
| Noncurrent loans to loans | 1.8987% | 1,160 |
| Net loans and leases to total assets | 47.6389% | 4,996 |
| Net loans and leases to deposits | 58.9212% | 4,785 |
| Net loans and leases to core deposits | 60.3666% | 4,915 |
| Total domestic deposits to total assets | 80.8520% | 4,537 |
| Equity capital to assets | 18.8622% | 267 |
| Core capital (leverage) ratio | 18.6821% | 250 |
| Tier 1 risk-based capital ratio | 57.8535% | 95 |
| Total risk-based capital ratio | 59.1074% | 94 |
| Memoranda: | ||
| Average total assets | $269,788,000 | 2,386 |
| Average earning assets | $254,454,000 | 2,354 |
| Average equity | $50,902,000 | 1,512 |
| Average total loans | $129,656,500 | 2,939 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7585% | 5,908 |
| Cost of funding earning assets | 0.3127% | 4,102 |
| Net interest margin | 2.4457% | 5,863 |
| Noninterest income to average assets | 0.0282% | 6,052 |
| Noninterest expense to average assets | 2.5898% | 3,961 |
| Loan and lease loss provision to assets | 0.2013% | 1,063 |
| Net operating income to assets | -0.5500% | 6,054 |
| Return on assets (ROA) | -0.5500% | 6,057 |
| Pretax return on assets | -0.4706% | 6,033 |
| Return on Equity (ROE) | -2.8959% | 6,007 |
| Retained earnings to average equity (ytd only) | -2.8959% | 5,813 |
| Net charge-offs to loans | 1.2915% | 131 |
| Credit loss provision to net charge-offs | 31.8841% | 3,622 |
| Earnings coverage of net charge-offs (x) | -0.4267% | 4,302 |
| Efficiency ratio | 111.6070% | 130 |
| Assets per employee ($millions) | 5.2020% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 4,898 |
| Loan loss allowance to noncurrent loans | 42.1414% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.4928% | 1,359 |
| Noncurrent loans to loans | 2.2413% | 871 |
| Net loans and leases to total assets | 47.6096% | 5,051 |
| Net loans and leases to deposits | 58.9016% | 4,855 |
| Net loans and leases to core deposits | 60.1405% | 4,977 |
| Total domestic deposits to total assets | 80.8291% | 4,537 |
| Equity capital to assets | 18.8725% | 258 |
| Core capital (leverage) ratio | 18.7401% | 249 |
| Tier 1 risk-based capital ratio | 56.8494% | 95 |
| Total risk-based capital ratio | 58.1058% | 96 |
| Memoranda: | ||
| Average total assets | $273,260,400 | 2,313 |
| Average earning assets | $256,120,800 | 2,296 |
| Average equity | $51,901,000 | 1,430 |
| Average total loans | $133,567,200 | 2,832 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7535% | 5,991 |
| Cost of funding earning assets | 0.3137% | 4,182 |
| Net interest margin | 2.4398% | 5,950 |
| Noninterest income to average assets | 0.0238% | 6,149 |
| Noninterest expense to average assets | 2.5790% | 3,950 |
| Loan and lease loss provision to assets | 0.1849% | 1,117 |
| Net operating income to assets | -0.5592% | 6,151 |
| Return on assets (ROA) | -0.5592% | 6,151 |
| Pretax return on assets | -0.4536% | 6,127 |
| Return on Equity (ROE) | -2.9397% | 6,099 |
| Retained earnings to average equity (ytd only) | -2.9397% | 5,928 |
| Net charge-offs to loans | 1.6778% | 76 |
| Credit loss provision to net charge-offs | 22.4586% | 3,346 |
| Earnings coverage of net charge-offs (x) | -0.3262% | 4,019 |
| Efficiency ratio | 111.6284% | 136 |
| Assets per employee ($millions) | 5.0023% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 5,457 |
| Loan loss allowance to noncurrent loans | 39.7740% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 1.4156% | 1,620 |
| Noncurrent loans to loans | 2.0686% | 1,110 |
| Net loans and leases to total assets | 48.6852% | 5,035 |
| Net loans and leases to deposits | 60.3367% | 4,830 |
| Net loans and leases to core deposits | 61.8029% | 4,952 |
| Total domestic deposits to total assets | 80.6893% | 4,554 |
| Equity capital to assets | 19.0301% | 279 |
| Core capital (leverage) ratio | 18.8477% | 253 |
| Tier 1 risk-based capital ratio | 56.9072% | 103 |
| Total risk-based capital ratio | 58.1292% | 102 |
| Memoranda: | ||
| Average total assets | $273,949,500 | 2,328 |
| Average earning assets | $256,733,750 | 2,300 |
| Average equity | $52,113,500 | 1,438 |
| Average total loans | $134,455,500 | 2,826 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7717% | 6,042 |
| Cost of funding earning assets | 0.3087% | 4,298 |
| Net interest margin | 2.4629% | 5,993 |
| Noninterest income to average assets | 0.0538% | 6,162 |
| Noninterest expense to average assets | 2.5819% | 3,971 |
| Loan and lease loss provision to assets | 0.1744% | 1,192 |
| Net operating income to assets | -0.3953% | 6,160 |
| Return on assets (ROA) | -0.3953% | 6,173 |
| Pretax return on assets | -0.3953% | 6,164 |
| Return on Equity (ROE) | -2.0783% | 6,132 |
| Retained earnings to average equity (ytd only) | -2.0783% | 5,838 |
| Net charge-offs to loans | 2.2551% | 60 |
| Credit loss provision to net charge-offs | 15.7584% | 3,056 |
| Earnings coverage of net charge-offs (x) | -0.1996% | 3,725 |
| Efficiency ratio | 109.3567% | 180 |
| Assets per employee ($millions) | 5.0529% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8390% | 5,495 |
| Loan loss allowance to noncurrent loans | 39.4089% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 1,767 |
| Noncurrent loans to loans | 2.1289% | 1,128 |
| Net loans and leases to total assets | 48.5150% | 5,050 |
| Net loans and leases to deposits | 60.2013% | 4,836 |
| Net loans and leases to core deposits | 61.6482% | 4,972 |
| Total domestic deposits to total assets | 80.5879% | 4,720 |
| Equity capital to assets | 19.0613% | 263 |
| Core capital (leverage) ratio | 19.0384% | 235 |
| Tier 1 risk-based capital ratio | 60.3955% | 98 |
| Total risk-based capital ratio | 61.6457% | 98 |
| Memoranda: | ||
| Average total assets | $275,224,330 | 2,336 |
| Average earning assets | $257,822,670 | 2,311 |
| Average equity | $52,349,670 | 1,440 |
| Average total loans | $135,073,330 | 2,825 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7806% | 6,083 |
| Cost of funding earning assets | 0.3042% | 4,397 |
| Net interest margin | 2.4765% | 6,044 |
| Noninterest income to average assets | 0.0637% | 6,192 |
| Noninterest expense to average assets | 2.4268% | 4,527 |
| Loan and lease loss provision to assets | 0.0579% | 2,775 |
| Net operating income to assets | -0.0999% | 6,105 |
| Return on assets (ROA) | -0.0999% | 6,129 |
| Pretax return on assets | -0.0999% | 6,118 |
| Return on Equity (ROE) | -0.5255% | 6,097 |
| Retained earnings to average equity (ytd only) | -0.5255% | 5,474 |
| Net charge-offs to loans | 3.5065% | 40 |
| Credit loss provision to net charge-offs | 3.3585% | 2,472 |
| Earnings coverage of net charge-offs (x) | -0.0243% | 3,116 |
| Efficiency ratio | 101.7597% | 323 |
| Assets per employee ($millions) | 4.8201% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 5,298 |
| Loan loss allowance to noncurrent loans | 32.1438% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 1.6022% | 1,597 |
| Noncurrent loans to loans | 2.9211% | 764 |
| Net loans and leases to total assets | 48.0771% | 5,024 |
| Net loans and leases to deposits | 59.6483% | 4,771 |
| Net loans and leases to core deposits | 61.0920% | 4,910 |
| Total domestic deposits to total assets | 80.6010% | 4,916 |
| Equity capital to assets | 19.1031% | 261 |
| Core capital (leverage) ratio | 19.0543% | 240 |
| Tier 1 risk-based capital ratio | 60.8656% | 105 |
| Total risk-based capital ratio | 62.1175% | 106 |
| Memoranda: | ||
| Average total assets | $276,408,500 | 2,341 |
| Average earning assets | $259,079,000 | 2,318 |
| Average equity | $52,519,500 | 1,445 |
| Average total loans | $135,862,000 | 2,809 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9593% | 6,089 |
| Cost of funding earning assets | 0.3067% | 4,721 |
| Net interest margin | 2.6526% | 6,005 |
| Noninterest income to average assets | 0.0339% | 6,326 |
| Noninterest expense to average assets | 2.5743% | 4,309 |
| Loan and lease loss provision to assets | 0.1447% | 1,830 |
| Net operating income to assets | -0.4008% | 6,272 |
| Return on assets (ROA) | -0.2512% | 6,224 |
| Pretax return on assets | -0.0667% | 6,127 |
| Return on Equity (ROE) | -1.3433% | 6,181 |
| Retained earnings to average equity (ytd only) | -1.9094% | 6,000 |
| Net charge-offs to loans | 0.4969% | 829 |
| Credit loss provision to net charge-offs | 57.5035% | 3,338 |
| Earnings coverage of net charge-offs (x) | -0.2847% | 4,745 |
| Efficiency ratio | 102.8620% | 308 |
| Assets per employee ($millions) | 4.8784% | 2,488 |
| Cash dividends to net income (ytd only)* | -42.1348% | 6,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 1,686 |
| Loan loss allowance to noncurrent loans | 47.0899% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 1.9524% | 1,321 |
| Noncurrent loans to loans | 3.6876% | 534 |
| Net loans and leases to total assets | 48.9008% | 5,082 |
| Net loans and leases to deposits | 60.5454% | 4,853 |
| Net loans and leases to core deposits | 61.8472% | 5,006 |
| Total domestic deposits to total assets | 80.7671% | 4,805 |
| Equity capital to assets | 18.8995% | 268 |
| Core capital (leverage) ratio | 18.8995% | 248 |
| Tier 1 risk-based capital ratio | 58.3201% | 98 |
| Total risk-based capital ratio | 59.5874% | 97 |
| Memoranda: | ||
| Average total assets | $283,418,800 | 2,249 |
| Average earning assets | $263,781,400 | 2,244 |
| Average equity | $53,002,200 | 1,380 |
| Average total loans | $143,483,200 | 2,660 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0017% | 6,140 |
| Cost of funding earning assets | 0.3080% | 4,807 |
| Net interest margin | 2.6937% | 6,011 |
| Noninterest income to average assets | 0.0314% | 6,421 |
| Noninterest expense to average assets | 2.6061% | 4,179 |
| Loan and lease loss provision to assets | 0.1920% | 1,254 |
| Net operating income to assets | -0.4612% | 6,358 |
| Return on assets (ROA) | -0.4111% | 6,344 |
| Pretax return on assets | -0.2144% | 6,258 |
| Return on Equity (ROE) | -2.2040% | 6,293 |
| Retained earnings to average equity (ytd only) | -2.9571% | 6,139 |
| Net charge-offs to loans | 0.6411% | 562 |
| Credit loss provision to net charge-offs | 58.9080% | 2,953 |
| Earnings coverage of net charge-offs (x) | -0.2227% | 4,477 |
| Efficiency ratio | 102.8645% | 311 |
| Assets per employee ($millions) | 4.8195% | 2,493 |
| Cash dividends to net income (ytd only)* | -34.1685% | 6,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 1,940 |
| Loan loss allowance to noncurrent loans | 49.9175% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 1.8510% | 1,596 |
| Noncurrent loans to loans | 3.4237% | 709 |
| Net loans and leases to total assets | 49.7918% | 5,033 |
| Net loans and leases to deposits | 61.5903% | 4,784 |
| Net loans and leases to core deposits | 63.3572% | 4,940 |
| Total domestic deposits to total assets | 80.8436% | 4,866 |
| Equity capital to assets | 18.7905% | 281 |
| Core capital (leverage) ratio | 18.7415% | 265 |
| Tier 1 risk-based capital ratio | 57.1578% | 100 |
| Total risk-based capital ratio | 58.4245% | 100 |
| Memoranda: | ||
| Average total assets | $284,755,750 | 2,257 |
| Average earning assets | $264,507,750 | 2,254 |
| Average equity | $53,114,250 | 1,382 |
| Average total loans | $144,758,500 | 2,654 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9863% | 6,193 |
| Cost of funding earning assets | 0.3091% | 4,889 |
| Net interest margin | 2.6772% | 6,074 |
| Noninterest income to average assets | 0.0440% | 6,456 |
| Noninterest expense to average assets | 2.6374% | 4,105 |
| Loan and lease loss provision to assets | 0.2862% | 701 |
| Net operating income to assets | -0.3909% | 6,408 |
| Return on assets (ROA) | -0.3909% | 6,411 |
| Pretax return on assets | -0.3888% | 6,393 |
| Return on Equity (ROE) | -2.1009% | 6,337 |
| Retained earnings to average equity (ytd only) | -2.1009% | 6,007 |
| Net charge-offs to loans | 0.4609% | 878 |
| Credit loss provision to net charge-offs | 122.0238% | 1,704 |
| Earnings coverage of net charge-offs (x) | -0.4375% | 4,172 |
| Efficiency ratio | 104.0485% | 318 |
| Assets per employee ($millions) | 4.8996% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 1,450 |
| Loan loss allowance to noncurrent loans | 45.1592% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 2.2349% | 1,354 |
| Noncurrent loans to loans | 4.3270% | 516 |
| Net loans and leases to total assets | 49.0861% | 5,065 |
| Net loans and leases to deposits | 60.6696% | 4,811 |
| Net loans and leases to core deposits | 62.3056% | 4,946 |
| Total domestic deposits to total assets | 80.9073% | 5,013 |
| Equity capital to assets | 18.7215% | 282 |
| Core capital (leverage) ratio | 18.6525% | 267 |
| Tier 1 risk-based capital ratio | 57.6974% | 99 |
| Total risk-based capital ratio | 58.9698% | 96 |
| Memoranda: | ||
| Average total assets | $286,497,670 | 2,246 |
| Average earning assets | $266,551,670 | 2,232 |
| Average equity | $53,310,670 | 1,368 |
| Average total loans | $145,810,330 | 2,643 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9786% | 6,263 |
| Cost of funding earning assets | 0.3064% | 5,001 |
| Net interest margin | 2.6722% | 6,138 |
| Noninterest income to average assets | 0.0445% | 6,495 |
| Noninterest expense to average assets | 2.6198% | 4,209 |
| Loan and lease loss provision to assets | 0.4589% | 342 |
| Net operating income to assets | -0.5520% | 6,492 |
| Return on assets (ROA) | -0.5520% | 6,489 |
| Pretax return on assets | -0.5479% | 6,470 |
| Return on Equity (ROE) | -2.9757% | 6,406 |
| Retained earnings to average equity (ytd only) | -2.9757% | 5,962 |
| Net charge-offs to loans | 0.6044% | 614 |
| Credit loss provision to net charge-offs | 147.9821% | 1,275 |
| Earnings coverage of net charge-offs (x) | -0.2870% | 3,456 |
| Efficiency ratio | 103.5165% | 387 |
| Assets per employee ($millions) | 4.9315% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9359% | 1,654 |
| Loan loss allowance to noncurrent loans | 51.0712% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 1.9572% | 1,752 |
| Noncurrent loans to loans | 3.7906% | 738 |
| Net loans and leases to total assets | 49.8179% | 4,929 |
| Net loans and leases to deposits | 61.4599% | 4,608 |
| Net loans and leases to core deposits | 63.0874% | 4,780 |
| Total domestic deposits to total assets | 81.0574% | 5,216 |
| Equity capital to assets | 18.6059% | 281 |
| Core capital (leverage) ratio | 18.5887% | 270 |
| Tier 1 risk-based capital ratio | 56.1898% | 106 |
| Total risk-based capital ratio | 57.4611% | 105 |
| Memoranda: | ||
| Average total assets | $287,658,500 | 2,248 |
| Average earning assets | $267,643,500 | 2,236 |
| Average equity | $53,365,000 | 1,363 |
| Average total loans | $147,580,000 | 2,620 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0373% | 6,304 |
| Cost of funding earning assets | 0.3220% | 5,404 |
| Net interest margin | 2.7153% | 6,120 |
| Noninterest income to average assets | 0.0734% | 6,475 |
| Noninterest expense to average assets | 2.6102% | 4,422 |
| Loan and lease loss provision to assets | 0.0896% | 3,319 |
| Net operating income to assets | 0.0496% | 6,131 |
| Return on assets (ROA) | 0.0269% | 6,211 |
| Pretax return on assets | -0.1434% | 6,323 |
| Return on Equity (ROE) | 0.1457% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.1457% | 5,786 |
| Net charge-offs to loans | 0.7234% | 894 |
| Credit loss provision to net charge-offs | 22.9075% | 4,394 |
| Earnings coverage of net charge-offs (x) | -0.0793% | 5,112 |
| Efficiency ratio | 101.2030% | 445 |
| Assets per employee ($millions) | 4.9877% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 2,053 |
| Loan loss allowance to noncurrent loans | 41.6757% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 2.2756% | 1,553 |
| Noncurrent loans to loans | 4.3329% | 628 |
| Net loans and leases to total assets | 50.8654% | 4,979 |
| Net loans and leases to deposits | 62.6975% | 4,652 |
| Net loans and leases to core deposits | 64.3343% | 4,838 |
| Total domestic deposits to total assets | 81.1282% | 5,130 |
| Equity capital to assets | 18.4978% | 288 |
| Core capital (leverage) ratio | 18.5164% | 271 |
| Tier 1 risk-based capital ratio | 55.0507% | 108 |
| Total risk-based capital ratio | 56.3199% | 107 |
| Memoranda: | ||
| Average total assets | $290,054,200 | 2,209 |
| Average earning assets | $267,673,000 | 2,202 |
| Average equity | $53,551,800 | 1,325 |
| Average total loans | $156,888,800 | 2,466 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0466% | 6,376 |
| Cost of funding earning assets | 0.3235% | 5,519 |
| Net interest margin | 2.7231% | 6,133 |
| Noninterest income to average assets | 0.0772% | 6,553 |
| Noninterest expense to average assets | 2.6134% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2021% | 5,908 |
| Return on assets (ROA) | 0.1718% | 6,054 |
| Pretax return on assets | -0.0570% | 6,367 |
| Return on Equity (ROE) | 0.9310% | 6,195 |
| Retained earnings to average equity (ytd only) | 0.9310% | 5,610 |
| Net charge-offs to loans | 0.8455% | 695 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.0577% | 4,873 |
| Efficiency ratio | 101.0300% | 431 |
| Assets per employee ($millions) | 4.8117% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6877% | 2,664 |
| Loan loss allowance to noncurrent loans | 39.6764% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 2.2653% | 1,749 |
| Noncurrent loans to loans | 4.2537% | 805 |
| Net loans and leases to total assets | 51.9560% | 4,878 |
| Net loans and leases to deposits | 64.1820% | 4,499 |
| Net loans and leases to core deposits | 65.7899% | 4,737 |
| Total domestic deposits to total assets | 80.9511% | 5,226 |
| Equity capital to assets | 18.6835% | 282 |
| Core capital (leverage) ratio | 18.6565% | 247 |
| Tier 1 risk-based capital ratio | 54.6761% | 111 |
| Total risk-based capital ratio | 55.9430% | 112 |
| Memoranda: | ||
| Average total assets | $290,245,500 | 2,216 |
| Average earning assets | $267,478,750 | 2,207 |
| Average equity | $53,561,750 | 1,337 |
| Average total loans | $158,647,500 | 2,455 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0755% | 6,372 |
| Cost of funding earning assets | 0.3278% | 5,585 |
| Net interest margin | 2.7477% | 6,100 |
| Noninterest income to average assets | 0.0764% | 6,599 |
| Noninterest expense to average assets | 2.6255% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0323% | 6,336 |
| Return on assets (ROA) | -0.0777% | 6,432 |
| Pretax return on assets | -0.0750% | 6,416 |
| Return on Equity (ROE) | -0.4229% | 6,407 |
| Retained earnings to average equity (ytd only) | -0.4229% | 5,940 |
| Net charge-offs to loans | 0.6983% | 940 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.0766% | 4,576 |
| Efficiency ratio | 101.1394% | 452 |
| Assets per employee ($millions) | 4.6980% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9437% | 1,985 |
| Loan loss allowance to noncurrent loans | 38.3687% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.7589% | 1,504 |
| Noncurrent loans to loans | 5.0658% | 629 |
| Net loans and leases to total assets | 52.3052% | 4,818 |
| Net loans and leases to deposits | 64.3566% | 4,456 |
| Net loans and leases to core deposits | 65.4368% | 4,747 |
| Total domestic deposits to total assets | 81.2740% | 5,269 |
| Equity capital to assets | 18.3244% | 295 |
| Core capital (leverage) ratio | 18.3244% | 267 |
| Tier 1 risk-based capital ratio | 53.1327% | 114 |
| Total risk-based capital ratio | 54.4039% | 113 |
| Memoranda: | ||
| Average total assets | $290,759,330 | 2,217 |
| Average earning assets | $266,623,330 | 2,218 |
| Average equity | $53,435,670 | 1,345 |
| Average total loans | $160,672,000 | 2,429 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1588% | 6,345 |
| Cost of funding earning assets | 0.3312% | 5,708 |
| Net interest margin | 2.8275% | 5,978 |
| Noninterest income to average assets | 0.0496% | 6,736 |
| Noninterest expense to average assets | 2.7277% | 3,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0688% | 6,415 |
| Return on assets (ROA) | -0.0688% | 6,469 |
| Pretax return on assets | -0.0688% | 6,457 |
| Return on Equity (ROE) | -0.3741% | 6,453 |
| Retained earnings to average equity (ytd only) | -0.3741% | 5,851 |
| Net charge-offs to loans | 0.5388% | 1,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.2273% | 3,877 |
| Efficiency ratio | 102.5893% | 466 |
| Assets per employee ($millions) | 4.6889% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0866% | 1,826 |
| Loan loss allowance to noncurrent loans | 45.6286% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 2.7512% | 1,652 |
| Noncurrent loans to loans | 4.5729% | 902 |
| Net loans and leases to total assets | 54.2518% | 4,362 |
| Net loans and leases to deposits | 66.7433% | 3,947 |
| Net loans and leases to core deposits | 67.7956% | 4,328 |
| Total domestic deposits to total assets | 81.2843% | 5,424 |
| Equity capital to assets | 18.3817% | 307 |
| Core capital (leverage) ratio | 18.3817% | 265 |
| Tier 1 risk-based capital ratio | 51.7049% | 125 |
| Total risk-based capital ratio | 52.9791% | 124 |
| Memoranda: | ||
| Average total assets | $290,499,500 | 2,248 |
| Average earning assets | $268,078,000 | 2,228 |
| Average equity | $53,466,000 | 1,358 |
| Average total loans | $163,321,000 | 2,401 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4237% | 6,455 |
| Cost of funding earning assets | 0.4230% | 5,766 |
| Net interest margin | 3.0007% | 6,051 |
| Noninterest income to average assets | 0.0884% | 6,551 |
| Noninterest expense to average assets | 2.7102% | 4,366 |
| Loan and lease loss provision to assets | 0.6715% | 787 |
| Net operating income to assets | -0.3571% | 6,485 |
| Return on assets (ROA) | -0.3830% | 6,550 |
| Pretax return on assets | -0.5244% | 6,582 |
| Return on Equity (ROE) | -2.0811% | 6,458 |
| Retained earnings to average equity (ytd only) | -2.0811% | 6,168 |
| Net charge-offs to loans | 0.8179% | 1,431 |
| Credit loss provision to net charge-offs | 137.2645% | 2,014 |
| Earnings coverage of net charge-offs (x) | 0.3538% | 5,303 |
| Efficiency ratio | 93.9972% | 801 |
| Assets per employee ($millions) | 4.6077% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1629% | 1,623 |
| Loan loss allowance to noncurrent loans | 46.3080% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 2.7500% | 1,750 |
| Noncurrent loans to loans | 4.6707% | 893 |
| Net loans and leases to total assets | 55.8012% | 4,325 |
| Net loans and leases to deposits | 68.5257% | 3,901 |
| Net loans and leases to core deposits | 69.6995% | 4,354 |
| Total domestic deposits to total assets | 81.4311% | 5,273 |
| Equity capital to assets | 18.4280% | 298 |
| Core capital (leverage) ratio | 18.4257% | 260 |
| Tier 1 risk-based capital ratio | 50.4637% | 137 |
| Total risk-based capital ratio | 51.7402% | 137 |
| Memoranda: | ||
| Average total assets | $292,930,400 | 2,183 |
| Average earning assets | $272,834,400 | 2,140 |
| Average equity | $53,914,400 | 1,320 |
| Average total loans | $175,213,800 | 2,257 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 6,532 |
| Cost of funding earning assets | 0.4465% | 5,821 |
| Net interest margin | 3.0343% | 6,097 |
| Noninterest income to average assets | 0.0963% | 6,628 |
| Noninterest expense to average assets | 2.7171% | 4,299 |
| Loan and lease loss provision to assets | 0.6662% | 777 |
| Net operating income to assets | -0.2561% | 6,536 |
| Return on assets (ROA) | -0.2906% | 6,625 |
| Pretax return on assets | -0.4855% | 6,701 |
| Return on Equity (ROE) | -1.5796% | 6,537 |
| Retained earnings to average equity (ytd only) | -1.5796% | 6,345 |
| Net charge-offs to loans | 0.9458% | 1,143 |
| Credit loss provision to net charge-offs | 116.4286% | 2,497 |
| Earnings coverage of net charge-offs (x) | 0.3762% | 5,143 |
| Efficiency ratio | 92.6591% | 849 |
| Assets per employee ($millions) | 4.5472% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 2,424 |
| Loan loss allowance to noncurrent loans | 40.3372% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 2.9032% | 1,806 |
| Noncurrent loans to loans | 4.7485% | 980 |
| Net loans and leases to total assets | 58.1669% | 4,107 |
| Net loans and leases to deposits | 71.8775% | 3,625 |
| Net loans and leases to core deposits | 73.4396% | 4,058 |
| Total domestic deposits to total assets | 80.9250% | 5,387 |
| Equity capital to assets | 18.8478% | 308 |
| Core capital (leverage) ratio | 18.8391% | 255 |
| Tier 1 risk-based capital ratio | 49.9449% | 142 |
| Total risk-based capital ratio | 51.2165% | 143 |
| Memoranda: | ||
| Average total assets | $293,591,500 | 2,204 |
| Average earning assets | $274,408,750 | 2,164 |
| Average equity | $54,019,500 | 1,332 |
| Average total loans | $177,626,250 | 2,267 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4713% | 6,641 |
| Cost of funding earning assets | 0.4728% | 5,811 |
| Net interest margin | 2.9985% | 6,245 |
| Noninterest income to average assets | 0.0851% | 6,734 |
| Noninterest expense to average assets | 2.7078% | 4,377 |
| Loan and lease loss provision to assets | 0.6987% | 787 |
| Net operating income to assets | -0.5947% | 6,776 |
| Return on assets (ROA) | -0.6460% | 6,827 |
| Pretax return on assets | -0.5697% | 6,761 |
| Return on Equity (ROE) | -3.5389% | 6,703 |
| Retained earnings to average equity (ytd only) | -3.5389% | 6,514 |
| Net charge-offs to loans | 0.7425% | 1,485 |
| Credit loss provision to net charge-offs | 154.5590% | 1,792 |
| Earnings coverage of net charge-offs (x) | 0.3991% | 4,878 |
| Efficiency ratio | 93.7529% | 817 |
| Assets per employee ($millions) | 4.6075% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9460% | 2,387 |
| Loan loss allowance to noncurrent loans | 44.0372% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 2.7591% | 1,996 |
| Noncurrent loans to loans | 4.4191% | 1,210 |
| Net loans and leases to total assets | 58.3010% | 4,110 |
| Net loans and leases to deposits | 71.6689% | 3,659 |
| Net loans and leases to core deposits | 73.0792% | 4,157 |
| Total domestic deposits to total assets | 81.3477% | 5,350 |
| Equity capital to assets | 18.2088% | 324 |
| Core capital (leverage) ratio | 18.1949% | 283 |
| Tier 1 risk-based capital ratio | 48.7489% | 138 |
| Total risk-based capital ratio | 50.0218% | 137 |
| Memoranda: | ||
| Average total assets | $295,964,000 | 2,183 |
| Average earning assets | $276,671,670 | 2,137 |
| Average equity | $54,028,000 | 1,318 |
| Average total loans | $180,206,000 | 2,229 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4643% | 6,740 |
| Cost of funding earning assets | 0.4920% | 5,866 |
| Net interest margin | 2.9723% | 6,354 |
| Noninterest income to average assets | 0.1241% | 6,635 |
| Noninterest expense to average assets | 2.7224% | 4,342 |
| Loan and lease loss provision to assets | 1.3383% | 277 |
| Net operating income to assets | -1.2371% | 7,036 |
| Return on assets (ROA) | -1.2991% | 7,067 |
| Pretax return on assets | -1.2195% | 7,024 |
| Return on Equity (ROE) | -7.1077% | 6,923 |
| Retained earnings to average equity (ytd only) | -7.1077% | 6,720 |
| Net charge-offs to loans | 1.2483% | 813 |
| Credit loss provision to net charge-offs | 174.0351% | 1,467 |
| Earnings coverage of net charge-offs (x) | 0.2351% | 4,249 |
| Efficiency ratio | 93.7732% | 833 |
| Assets per employee ($millions) | 4.5601% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 2,599 |
| Loan loss allowance to noncurrent loans | 39.4249% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 3.0512% | 1,910 |
| Noncurrent loans to loans | 4.8848% | 1,162 |
| Net loans and leases to total assets | 59.6017% | 3,755 |
| Net loans and leases to deposits | 73.1167% | 3,261 |
| Net loans and leases to core deposits | 74.5432% | 3,829 |
| Total domestic deposits to total assets | 81.5159% | 5,459 |
| Equity capital to assets | 18.1184% | 329 |
| Core capital (leverage) ratio | 18.0989% | 290 |
| Tier 1 risk-based capital ratio | 47.6489% | 138 |
| Total risk-based capital ratio | 48.9217% | 139 |
| Memoranda: | ||
| Average total assets | $296,506,000 | 2,187 |
| Average earning assets | $277,230,500 | 2,148 |
| Average equity | $54,195,000 | 1,301 |
| Average total loans | $182,644,000 | 2,202 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 6,828 |
| Cost of funding earning assets | 0.5944% | 6,112 |
| Net interest margin | 3.1219% | 6,292 |
| Noninterest income to average assets | 0.1144% | 6,578 |
| Noninterest expense to average assets | 2.6875% | 4,792 |
| Loan and lease loss provision to assets | 0.7087% | 1,440 |
| Net operating income to assets | -0.1903% | 6,245 |
| Return on assets (ROA) | -0.2364% | 6,352 |
| Pretax return on assets | -0.3963% | 6,419 |
| Return on Equity (ROE) | -1.2892% | 6,271 |
| Retained earnings to average equity (ytd only) | -1.2892% | 6,053 |
| Net charge-offs to loans | 0.1239% | 5,147 |
| Credit loss provision to net charge-offs | 875.6198% | 254 |
| Earnings coverage of net charge-offs (x) | 4.4298% | 3,115 |
| Efficiency ratio | 88.2301% | 1,342 |
| Assets per employee ($millions) | 4.4940% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 3,396 |
| Loan loss allowance to noncurrent loans | 34.5778% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 3.1270% | 1,906 |
| Noncurrent loans to loans | 4.7592% | 1,225 |
| Net loans and leases to total assets | 61.3976% | 3,714 |
| Net loans and leases to deposits | 75.6216% | 3,237 |
| Net loans and leases to core deposits | 77.0115% | 3,826 |
| Total domestic deposits to total assets | 81.1905% | 5,391 |
| Equity capital to assets | 18.4373% | 320 |
| Core capital (leverage) ratio | 18.5247% | 269 |
| Tier 1 risk-based capital ratio | 46.9121% | 156 |
| Total risk-based capital ratio | 48.1792% | 154 |
| Memoranda: | ||
| Average total assets | $299,018,000 | 2,143 |
| Average earning assets | $280,794,000 | 2,089 |
| Average equity | $54,840,400 | 1,237 |
| Average total loans | $195,281,600 | 2,080 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 6,916 |
| Cost of funding earning assets | 0.6176% | 6,200 |
| Net interest margin | 3.1042% | 6,375 |
| Noninterest income to average assets | 0.1255% | 6,625 |
| Noninterest expense to average assets | 2.6802% | 4,803 |
| Loan and lease loss provision to assets | 0.6986% | 1,382 |
| Net operating income to assets | -0.0797% | 6,260 |
| Return on assets (ROA) | -0.1397% | 6,403 |
| Pretax return on assets | -0.3947% | 6,565 |
| Return on Equity (ROE) | -0.7629% | 6,346 |
| Retained earnings to average equity (ytd only) | -0.7629% | 6,111 |
| Net charge-offs to loans | -0.1206% | 7,196 |
| Credit loss provision to net charge-offs | -877.0950% | 6,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0427% | 1,339 |
| Assets per employee ($millions) | 4.5389% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 3,992 |
| Loan loss allowance to noncurrent loans | 30.7976% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 3.2183% | 1,976 |
| Noncurrent loans to loans | 4.9442% | 1,269 |
| Net loans and leases to total assets | 63.0170% | 3,510 |
| Net loans and leases to deposits | 77.7173% | 3,040 |
| Net loans and leases to core deposits | 79.1205% | 3,755 |
| Total domestic deposits to total assets | 81.0849% | 5,404 |
| Equity capital to assets | 18.3910% | 355 |
| Core capital (leverage) ratio | 18.4065% | 294 |
| Tier 1 risk-based capital ratio | 45.7363% | 171 |
| Total risk-based capital ratio | 47.0011% | 171 |
| Memoranda: | ||
| Average total assets | $299,621,000 | 2,147 |
| Average earning assets | $281,714,750 | 2,089 |
| Average equity | $54,879,000 | 1,236 |
| Average total loans | $197,813,000 | 2,082 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 6,970 |
| Cost of funding earning assets | 0.6443% | 6,251 |
| Net interest margin | 3.1046% | 6,400 |
| Noninterest income to average assets | 0.0954% | 6,852 |
| Noninterest expense to average assets | 2.6953% | 4,845 |
| Loan and lease loss provision to assets | 0.9812% | 893 |
| Net operating income to assets | -0.7703% | 6,854 |
| Return on assets (ROA) | -0.7703% | 6,867 |
| Pretax return on assets | -0.6608% | 6,745 |
| Return on Equity (ROE) | -4.2111% | 6,656 |
| Retained earnings to average equity (ytd only) | -4.2111% | 6,492 |
| Net charge-offs to loans | -0.3453% | 7,360 |
| Credit loss provision to net charge-offs | -426.0870% | 6,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3758% | 1,289 |
| Assets per employee ($millions) | 4.5832% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 4,023 |
| Loan loss allowance to noncurrent loans | 35.1094% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 3.0459% | 2,207 |
| Noncurrent loans to loans | 4.3363% | 1,556 |
| Net loans and leases to total assets | 64.8128% | 3,294 |
| Net loans and leases to deposits | 79.7174% | 2,842 |
| Net loans and leases to core deposits | 81.1828% | 3,626 |
| Total domestic deposits to total assets | 81.3032% | 5,422 |
| Equity capital to assets | 18.2154% | 369 |
| Core capital (leverage) ratio | 18.1752% | 315 |
| Tier 1 risk-based capital ratio | 44.4136% | 182 |
| Total risk-based capital ratio | 45.6781% | 180 |
| Memoranda: | ||
| Average total assets | $299,638,000 | 2,152 |
| Average earning assets | $281,839,670 | 2,089 |
| Average equity | $54,807,330 | 1,230 |
| Average total loans | $199,851,000 | 2,087 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7410% | 7,022 |
| Cost of funding earning assets | 0.6822% | 6,238 |
| Net interest margin | 3.0587% | 6,444 |
| Noninterest income to average assets | 0.0346% | 7,203 |
| Noninterest expense to average assets | 2.7114% | 4,789 |
| Loan and lease loss provision to assets | 1.0915% | 668 |
| Net operating income to assets | -0.9477% | 7,028 |
| Return on assets (ROA) | -0.9477% | 7,029 |
| Pretax return on assets | -0.8918% | 6,958 |
| Return on Equity (ROE) | -5.1708% | 6,818 |
| Retained earnings to average equity (ytd only) | -5.1708% | 6,534 |
| Net charge-offs to loans | 0.5948% | 2,008 |
| Credit loss provision to net charge-offs | 273.3333% | 1,153 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,244 |
| Efficiency ratio | 93.1413% | 1,087 |
| Assets per employee ($millions) | 4.5237% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 6,824 |
| Loan loss allowance to noncurrent loans | 20.6804% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 2.9712% | 2,321 |
| Noncurrent loans to loans | 4.1041% | 1,753 |
| Net loans and leases to total assets | 66.1259% | 2,979 |
| Net loans and leases to deposits | 81.3842% | 2,466 |
| Net loans and leases to core deposits | 82.4174% | 3,394 |
| Total domestic deposits to total assets | 81.2514% | 5,590 |
| Equity capital to assets | 18.3265% | 350 |
| Core capital (leverage) ratio | 18.1805% | 325 |
| Tier 1 risk-based capital ratio | 43.8460% | 189 |
| Total risk-based capital ratio | 45.0970% | 186 |
| Memoranda: | ||
| Average total assets | $300,503,500 | 2,158 |
| Average earning assets | $282,599,500 | 2,095 |
| Average equity | $55,078,500 | 1,205 |
| Average total loans | $201,743,000 | 2,092 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 7,129 |
| Cost of funding earning assets | 1.0007% | 5,681 |
| Net interest margin | 3.0089% | 6,718 |
| Noninterest income to average assets | 0.0458% | 7,125 |
| Noninterest expense to average assets | 2.6241% | 5,317 |
| Loan and lease loss provision to assets | 0.2796% | 4,572 |
| Net operating income to assets | -0.0468% | 5,927 |
| Return on assets (ROA) | -0.0978% | 6,047 |
| Pretax return on assets | -0.0654% | 5,967 |
| Return on Equity (ROE) | -0.5373% | 6,018 |
| Retained earnings to average equity (ytd only) | -0.5373% | 5,715 |
| Net charge-offs to loans | 0.2516% | 4,780 |
| Credit loss provision to net charge-offs | 159.8131% | 2,188 |
| Earnings coverage of net charge-offs (x) | 1.5159% | 4,616 |
| Efficiency ratio | 90.8216% | 1,255 |
| Assets per employee ($millions) | 4.5824% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 7,294 |
| Loan loss allowance to noncurrent loans | 14.3435% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 2.9282% | 2,397 |
| Noncurrent loans to loans | 3.9914% | 1,820 |
| Net loans and leases to total assets | 67.1856% | 3,165 |
| Net loans and leases to deposits | 82.6544% | 2,689 |
| Net loans and leases to core deposits | 83.6879% | 3,638 |
| Total domestic deposits to total assets | 81.2849% | 5,426 |
| Equity capital to assets | 18.3309% | 353 |
| Core capital (leverage) ratio | 18.2250% | 320 |
| Tier 1 risk-based capital ratio | 43.9217% | 182 |
| Total risk-based capital ratio | 44.8507% | 185 |
| Memoranda: | ||
| Average total assets | $305,823,400 | 2,126 |
| Average earning assets | $289,005,800 | 2,052 |
| Average equity | $55,645,000 | 1,198 |
| Average total loans | $212,598,600 | 2,041 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 7,239 |
| Cost of funding earning assets | 1.0812% | 5,546 |
| Net interest margin | 2.9777% | 6,873 |
| Noninterest income to average assets | 0.0487% | 7,277 |
| Noninterest expense to average assets | 2.5930% | 5,354 |
| Loan and lease loss provision to assets | 0.1891% | 5,155 |
| Net operating income to assets | 0.0657% | 5,851 |
| Return on assets (ROA) | 0.0109% | 6,104 |
| Pretax return on assets | 0.0291% | 6,045 |
| Return on Equity (ROE) | 0.0598% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.0598% | 5,756 |
| Net charge-offs to loans | 0.2391% | 4,510 |
| Credit loss provision to net charge-offs | 112.9870% | 3,721 |
| Earnings coverage of net charge-offs (x) | 1.6312% | 4,493 |
| Efficiency ratio | 90.4733% | 1,245 |
| Assets per employee ($millions) | 4.6092% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4273% | 7,509 |
| Loan loss allowance to noncurrent loans | 11.8359% | 7,147 |
| Noncurrent assets plus other real estate owned to assets | 2.6209% | 2,760 |
| Noncurrent loans to loans | 3.6101% | 2,165 |
| Net loans and leases to total assets | 68.9445% | 3,006 |
| Net loans and leases to deposits | 84.9111% | 2,535 |
| Net loans and leases to core deposits | 85.6916% | 3,700 |
| Total domestic deposits to total assets | 81.1962% | 5,305 |
| Equity capital to assets | 18.3393% | 386 |
| Core capital (leverage) ratio | 18.2091% | 337 |
| Tier 1 risk-based capital ratio | 43.5972% | 197 |
| Total risk-based capital ratio | 44.3024% | 199 |
| Memoranda: | ||
| Average total assets | $306,669,250 | 2,148 |
| Average earning assets | $290,153,000 | 2,081 |
| Average equity | $55,696,250 | 1,195 |
| Average total loans | $214,656,750 | 2,052 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 7,320 |
| Cost of funding earning assets | 1.1451% | 5,438 |
| Net interest margin | 2.9034% | 7,007 |
| Noninterest income to average assets | 0.0293% | 7,433 |
| Noninterest expense to average assets | 2.5841% | 5,386 |
| Loan and lease loss provision to assets | 0.2153% | 4,740 |
| Net operating income to assets | -0.0930% | 6,221 |
| Return on assets (ROA) | -0.0930% | 6,293 |
| Pretax return on assets | -0.0195% | 6,172 |
| Return on Equity (ROE) | -0.5138% | 6,254 |
| Retained earnings to average equity (ytd only) | -0.5138% | 5,851 |
| Net charge-offs to loans | 0.1639% | 4,634 |
| Credit loss provision to net charge-offs | 187.0056% | 2,110 |
| Earnings coverage of net charge-offs (x) | 1.7006% | 4,233 |
| Efficiency ratio | 92.9574% | 1,129 |
| Assets per employee ($millions) | 4.5836% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4707% | 7,540 |
| Loan loss allowance to noncurrent loans | 13.0339% | 7,191 |
| Noncurrent assets plus other real estate owned to assets | 2.5366% | 2,849 |
| Noncurrent loans to loans | 3.6116% | 2,181 |
| Net loans and leases to total assets | 69.1239% | 3,099 |
| Net loans and leases to deposits | 84.8998% | 2,723 |
| Net loans and leases to core deposits | 85.3679% | 3,922 |
| Total domestic deposits to total assets | 81.4182% | 5,233 |
| Equity capital to assets | 18.1086% | 409 |
| Core capital (leverage) ratio | 18.0132% | 358 |
| Tier 1 risk-based capital ratio | 42.6608% | 210 |
| Total risk-based capital ratio | 43.4330% | 211 |
| Memoranda: | ||
| Average total assets | $307,491,000 | 2,159 |
| Average earning assets | $291,317,000 | 2,081 |
| Average equity | $55,665,330 | 1,184 |
| Average total loans | $215,998,330 | 2,068 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 7,425 |
| Cost of funding earning assets | 1.2023% | 5,394 |
| Net interest margin | 2.8365% | 7,124 |
| Noninterest income to average assets | 0.0273% | 7,572 |
| Noninterest expense to average assets | 2.6092% | 5,320 |
| Loan and lease loss provision to assets | 0.1118% | 5,494 |
| Net operating income to assets | -0.0507% | 6,370 |
| Return on assets (ROA) | -0.0507% | 6,457 |
| Pretax return on assets | -0.0039% | 6,361 |
| Return on Equity (ROE) | -0.2801% | 6,442 |
| Retained earnings to average equity (ytd only) | -0.2801% | 5,894 |
| Net charge-offs to loans | 0.1564% | 3,987 |
| Credit loss provision to net charge-offs | 101.1765% | 3,357 |
| Earnings coverage of net charge-offs (x) | 0.9765% | 4,186 |
| Efficiency ratio | 96.0287% | 1,019 |
| Assets per employee ($millions) | 4.5907% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3933% | 7,693 |
| Loan loss allowance to noncurrent loans | 12.4452% | 7,278 |
| Noncurrent assets plus other real estate owned to assets | 2.2515% | 3,212 |
| Noncurrent loans to loans | 3.1604% | 2,538 |
| Net loans and leases to total assets | 70.0690% | 2,921 |
| Net loans and leases to deposits | 85.9724% | 2,591 |
| Net loans and leases to core deposits | 86.5303% | 3,820 |
| Total domestic deposits to total assets | 81.5017% | 5,267 |
| Equity capital to assets | 18.1017% | 413 |
| Core capital (leverage) ratio | 18.0765% | 370 |
| Tier 1 risk-based capital ratio | 42.7750% | 214 |
| Total risk-based capital ratio | 43.4300% | 220 |
| Memoranda: | ||
| Average total assets | $307,685,500 | 2,207 |
| Average earning assets | $291,763,500 | 2,133 |
| Average equity | $55,692,000 | 1,196 |
| Average total loans | $217,355,000 | 2,097 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 7,549 |
| Cost of funding earning assets | 1.5858% | 5,097 |
| Net interest margin | 2.7270% | 7,171 |
| Noninterest income to average assets | 0.0780% | 7,361 |
| Noninterest expense to average assets | 2.5281% | 6,034 |
| Loan and lease loss provision to assets | 0.1621% | 6,066 |
| Net operating income to assets | 0.0298% | 5,399 |
| Return on assets (ROA) | 0.0223% | 5,464 |
| Pretax return on assets | -0.0242% | 5,484 |
| Return on Equity (ROE) | 0.1224% | 5,499 |
| Retained earnings to average equity (ytd only) | 0.1224% | 4,830 |
| Net charge-offs to loans | 0.2027% | 5,370 |
| Credit loss provision to net charge-offs | 109.5133% | 5,033 |
| Earnings coverage of net charge-offs (x) | 0.9823% | 5,129 |
| Efficiency ratio | 94.5602% | 1,374 |
| Assets per employee ($millions) | 4.5264% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3893% | 7,767 |
| Loan loss allowance to noncurrent loans | 13.8144% | 7,289 |
| Noncurrent assets plus other real estate owned to assets | 1.9990% | 3,405 |
| Noncurrent loans to loans | 2.8180% | 2,740 |
| Net loans and leases to total assets | 70.6618% | 3,088 |
| Net loans and leases to deposits | 86.7167% | 2,798 |
| Net loans and leases to core deposits | 104.4820% | 3,516 |
| Total domestic deposits to total assets | 81.4858% | 5,163 |
| Equity capital to assets | 18.0989% | 439 |
| Core capital (leverage) ratio | 18.0646% | 406 |
| Tier 1 risk-based capital ratio | 42.4020% | 216 |
| Total risk-based capital ratio | 43.0500% | 219 |
| Memoranda: | ||
| Average total assets | $305,286,000 | 2,185 |
| Average earning assets | $290,576,200 | 2,126 |
| Average equity | $55,556,200 | 1,183 |
| Average total loans | $222,949,600 | 2,078 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 7,630 |
| Cost of funding earning assets | 1.6378% | 5,215 |
| Net interest margin | 2.7313% | 7,166 |
| Noninterest income to average assets | 0.0932% | 7,440 |
| Noninterest expense to average assets | 2.5431% | 5,927 |
| Loan and lease loss provision to assets | 0.2166% | 5,249 |
| Net operating income to assets | 0.0109% | 5,688 |
| Return on assets (ROA) | 0.0109% | 5,744 |
| Pretax return on assets | -0.0648% | 5,801 |
| Return on Equity (ROE) | 0.0600% | 5,756 |
| Retained earnings to average equity (ytd only) | 0.0600% | 5,176 |
| Net charge-offs to loans | 0.2689% | 4,358 |
| Credit loss provision to net charge-offs | 109.5133% | 4,646 |
| Earnings coverage of net charge-offs (x) | 0.7677% | 5,279 |
| Efficiency ratio | 94.3651% | 1,381 |
| Assets per employee ($millions) | 4.5373% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3863% | 7,836 |
| Loan loss allowance to noncurrent loans | 20.6863% | 7,058 |
| Noncurrent assets plus other real estate owned to assets | 1.3532% | 4,386 |
| Noncurrent loans to loans | 1.8676% | 3,814 |
| Net loans and leases to total assets | 71.0337% | 3,265 |
| Net loans and leases to deposits | 87.2692% | 3,095 |
| Net loans and leases to core deposits | 104.3062% | 3,897 |
| Total domestic deposits to total assets | 81.3961% | 4,922 |
| Equity capital to assets | 18.0470% | 511 |
| Core capital (leverage) ratio | 18.0420% | 452 |
| Tier 1 risk-based capital ratio | 42.4805% | 240 |
| Total risk-based capital ratio | 43.1303% | 247 |
| Memoranda: | ||
| Average total assets | $304,658,250 | 2,201 |
| Average earning assets | $290,213,250 | 2,136 |
| Average equity | $55,518,250 | 1,199 |
| Average total loans | $224,100,750 | 2,099 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 7,699 |
| Cost of funding earning assets | 1.6884% | 5,329 |
| Net interest margin | 2.7289% | 7,142 |
| Noninterest income to average assets | 0.0897% | 7,527 |
| Noninterest expense to average assets | 2.5857% | 5,797 |
| Loan and lease loss provision to assets | 0.2485% | 4,586 |
| Net operating income to assets | -0.2064% | 6,199 |
| Return on assets (ROA) | -0.2064% | 6,219 |
| Pretax return on assets | -0.1457% | 6,061 |
| Return on Equity (ROE) | -1.1287% | 6,088 |
| Retained earnings to average equity (ytd only) | -1.1287% | 5,518 |
| Net charge-offs to loans | 0.2963% | 3,704 |
| Credit loss provision to net charge-offs | 112.8743% | 4,106 |
| Earnings coverage of net charge-offs (x) | 0.4671% | 5,235 |
| Efficiency ratio | 96.1746% | 1,360 |
| Assets per employee ($millions) | 4.5171% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3823% | 7,917 |
| Loan loss allowance to noncurrent loans | 26.1538% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 4,803 |
| Noncurrent loans to loans | 1.4616% | 4,302 |
| Net loans and leases to total assets | 72.1136% | 3,193 |
| Net loans and leases to deposits | 88.5347% | 3,082 |
| Net loans and leases to core deposits | 105.0464% | 3,956 |
| Total domestic deposits to total assets | 81.4523% | 4,914 |
| Equity capital to assets | 18.0108% | 548 |
| Core capital (leverage) ratio | 18.0459% | 509 |
| Tier 1 risk-based capital ratio | 41.4512% | 279 |
| Total risk-based capital ratio | 42.0891% | 278 |
| Memoranda: | ||
| Average total assets | $303,365,000 | 2,235 |
| Average earning assets | $288,909,330 | 2,177 |
| Average equity | $55,463,670 | 1,216 |
| Average total loans | $225,462,330 | 2,120 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 7,751 |
| Cost of funding earning assets | 1.7672% | 5,281 |
| Net interest margin | 2.6934% | 7,217 |
| Noninterest income to average assets | 0.0332% | 7,911 |
| Noninterest expense to average assets | 2.6285% | 5,330 |
| Loan and lease loss provision to assets | 0.4259% | 2,794 |
| Net operating income to assets | -0.4949% | 6,866 |
| Return on assets (ROA) | -0.4949% | 6,924 |
| Pretax return on assets | -0.4591% | 6,790 |
| Return on Equity (ROE) | -2.6866% | 6,741 |
| Retained earnings to average equity (ytd only) | -2.6866% | 6,217 |
| Net charge-offs to loans | 0.4652% | 2,286 |
| Credit loss provision to net charge-offs | 121.5909% | 3,241 |
| Earnings coverage of net charge-offs (x) | -0.0947% | 5,069 |
| Efficiency ratio | 101.2781% | 1,079 |
| Assets per employee ($millions) | 4.5251% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3833% | 7,966 |
| Loan loss allowance to noncurrent loans | 25.8683% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 1.1234% | 4,434 |
| Noncurrent loans to loans | 1.4818% | 4,080 |
| Net loans and leases to total assets | 74.0587% | 2,740 |
| Net loans and leases to deposits | 91.0511% | 2,766 |
| Net loans and leases to core deposits | 108.2499% | 3,647 |
| Total domestic deposits to total assets | 81.3376% | 4,817 |
| Equity capital to assets | 18.2495% | 576 |
| Core capital (leverage) ratio | 18.2445% | 528 |
| Tier 1 risk-based capital ratio | 40.9707% | 305 |
| Total risk-based capital ratio | 41.6123% | 308 |
| Memoranda: | ||
| Average total assets | $301,467,500 | 2,257 |
| Average earning assets | $286,778,500 | 2,201 |
| Average equity | $55,534,500 | 1,225 |
| Average total loans | $227,016,500 | 2,122 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 7,727 |
| Cost of funding earning assets | 2.2922% | 5,189 |
| Net interest margin | 2.8567% | 7,242 |
| Noninterest income to average assets | 0.0602% | 7,847 |
| Noninterest expense to average assets | 2.4434% | 6,242 |
| Loan and lease loss provision to assets | 0.1651% | 5,271 |
| Net operating income to assets | 0.0526% | 6,221 |
| Return on assets (ROA) | 0.0526% | 6,080 |
| Pretax return on assets | 0.1707% | 5,793 |
| Return on Equity (ROE) | 0.2857% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.2857% | 5,072 |
| Net charge-offs to loans | 0.1471% | 4,742 |
| Credit loss provision to net charge-offs | 146.3343% | 3,605 |
| Earnings coverage of net charge-offs (x) | 2.9765% | 4,601 |
| Efficiency ratio | 87.9181% | 1,685 |
| Assets per employee ($millions) | 4.4081% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3530% | 8,039 |
| Loan loss allowance to noncurrent loans | 38.6865% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 5,132 |
| Noncurrent loans to loans | 0.9124% | 4,795 |
| Net loans and leases to total assets | 76.0057% | 2,621 |
| Net loans and leases to deposits | 93.8839% | 2,787 |
| Net loans and leases to core deposits | 111.5403% | 3,611 |
| Total domestic deposits to total assets | 80.9571% | 4,656 |
| Equity capital to assets | 18.5952% | 590 |
| Core capital (leverage) ratio | 18.6586% | 542 |
| Tier 1 risk-based capital ratio | 40.6139% | 329 |
| Total risk-based capital ratio | 41.2040% | 332 |
| Memoranda: | ||
| Average total assets | $302,277,800 | 2,193 |
| Average earning assets | $287,709,200 | 2,117 |
| Average equity | $55,655,400 | 1,209 |
| Average total loans | $231,849,400 | 2,037 |