Home > Intercredit Bank > Performance and Condition Ratios
Intercredit Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 1,843 |
| Cost of funding earning assets | 2.6138% | 294 |
| Net interest margin | 2.4928% | 4,099 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.8100% | 1,471 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | -0.1938% | 4,462 |
| Return on assets (ROA) | -0.1938% | 4,448 |
| Pretax return on assets | -0.2580% | 4,440 |
| Return on Equity (ROE) | -2.6600% | 4,433 |
| Retained earnings to average equity (ytd only) | -2.6566% | 4,308 |
| Net charge-offs to loans | 0.0018% | 2,750 |
| Credit loss provision to net charge-offs | 4,587.5000% | 120 |
| Earnings coverage of net charge-offs (x) | -138.5000% | 4,596 |
| Efficiency ratio | 107.4089% | 123 |
| Assets per employee ($millions) | 6.2098% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 856 |
| Loan loss allowance to noncurrent loans | 186.3800% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 781 |
| Noncurrent loans to loans | 0.8534% | 894 |
| Net loans and leases to total assets | 75.9200% | 1,127 |
| Net loans and leases to deposits | 90.0631% | 1,257 |
| Net loans and leases to core deposits | 107.9258% | 1,041 |
| Total domestic deposits to total assets | 84.3000% | 2,538 |
| Equity capital to assets | 7.6654% | 3,618 |
| Core capital (leverage) ratio | 9.1657% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3113% | 1,755 |
| Memoranda: | ||
| Average total assets | $571,646,600 | 1,547 |
| Average earning assets | $556,767,000 | 1,475 |
| Average equity | $41,707,000 | 1,825 |
| Average total loans | $439,744,600 | 1,369 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 1,839 |
| Cost of funding earning assets | 2.4334% | 311 |
| Net interest margin | 2.5581% | 4,081 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.7810% | 1,476 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | -0.1345% | 4,485 |
| Return on assets (ROA) | -0.1345% | 4,469 |
| Pretax return on assets | -0.1829% | 4,468 |
| Return on Equity (ROE) | -1.8700% | 4,449 |
| Retained earnings to average equity (ytd only) | -1.8679% | 4,310 |
| Net charge-offs to loans | -0.0009% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 103.5999% | 139 |
| Assets per employee ($millions) | 6.4233% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 909 |
| Loan loss allowance to noncurrent loans | 194.1618% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 889 |
| Noncurrent loans to loans | 0.8177% | 1,010 |
| Net loans and leases to total assets | 75.2300% | 1,203 |
| Net loans and leases to deposits | 88.4899% | 1,342 |
| Net loans and leases to core deposits | 100.8216% | 1,274 |
| Total domestic deposits to total assets | 85.0200% | 2,495 |
| Equity capital to assets | 7.0523% | 3,585 |
| Core capital (leverage) ratio | 9.2484% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3052% | 1,788 |
| Memoranda: | ||
| Average total assets | $567,076,500 | 1,563 |
| Average earning assets | $552,635,500 | 1,483 |
| Average equity | $40,828,750 | 1,837 |
| Average total loans | $435,904,750 | 1,373 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 1,946 |
| Cost of funding earning assets | 2.1912% | 341 |
| Net interest margin | 2.6312% | 4,067 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.7347% | 1,564 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | -0.0442% | 4,494 |
| Return on assets (ROA) | -0.0442% | 4,486 |
| Pretax return on assets | -0.0603% | 4,478 |
| Return on Equity (ROE) | -0.6100% | 4,462 |
| Retained earnings to average equity (ytd only) | -0.6090% | 4,178 |
| Net charge-offs to loans | -0.0009% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 98.9734% | 185 |
| Assets per employee ($millions) | 6.8752% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 869 |
| Loan loss allowance to noncurrent loans | 182.0480% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 750 |
| Noncurrent loans to loans | 0.8971% | 851 |
| Net loans and leases to total assets | 74.3500% | 1,241 |
| Net loans and leases to deposits | 88.1137% | 1,335 |
| Net loans and leases to core deposits | 100.0939% | 1,233 |
| Total domestic deposits to total assets | 84.3800% | 2,731 |
| Equity capital to assets | 7.1018% | 3,739 |
| Core capital (leverage) ratio | 9.3104% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1112% | 1,847 |
| Memoranda: | ||
| Average total assets | $556,981,000 | 1,586 |
| Average earning assets | $542,799,000 | 1,519 |
| Average equity | $40,395,667 | 1,863 |
| Average total loans | $428,988,333 | 1,378 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 1,898 |
| Cost of funding earning assets | 2.0451% | 270 |
| Net interest margin | 2.6350% | 4,171 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.6486% | 1,813 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | -0.0263% | 4,507 |
| Return on assets (ROA) | -0.0263% | 4,491 |
| Pretax return on assets | -0.0359% | 4,476 |
| Return on Equity (ROE) | -0.3600% | 4,464 |
| Retained earnings to average equity (ytd only) | -0.3592% | 4,069 |
| Net charge-offs to loans | -0.0009% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 95.2381% | 230 |
| Assets per employee ($millions) | 6.6453% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 921 |
| Loan loss allowance to noncurrent loans | 173.1013% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 636 |
| Noncurrent loans to loans | 0.9492% | 795 |
| Net loans and leases to total assets | 76.2600% | 949 |
| Net loans and leases to deposits | 90.9563% | 978 |
| Net loans and leases to core deposits | 103.8420% | 930 |
| Total domestic deposits to total assets | 83.8400% | 3,122 |
| Equity capital to assets | 7.5422% | 3,541 |
| Core capital (leverage) ratio | 9.6172% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2839% | 1,871 |
| Memoranda: | ||
| Average total assets | $546,713,500 | 1,636 |
| Average earning assets | $532,979,500 | 1,562 |
| Average equity | $40,086,500 | 1,898 |
| Average total loans | $425,232,500 | 1,404 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 1,369 |
| Cost of funding earning assets | 0.9929% | 167 |
| Net interest margin | 3.1488% | 3,026 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.9142% | 1,106 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.2015% | 4,447 |
| Return on assets (ROA) | 0.2067% | 4,422 |
| Pretax return on assets | 0.2760% | 4,388 |
| Return on Equity (ROE) | 2.5800% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.5786% | 3,827 |
| Net charge-offs to loans | -0.0003% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.5452% | 338 |
| Assets per employee ($millions) | 6.6076% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 887 |
| Loan loss allowance to noncurrent loans | 163.4204% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 583 |
| Noncurrent loans to loans | 1.0080% | 722 |
| Net loans and leases to total assets | 76.7500% | 925 |
| Net loans and leases to deposits | 89.8696% | 1,065 |
| Net loans and leases to core deposits | 103.1916% | 849 |
| Total domestic deposits to total assets | 85.4000% | 2,883 |
| Equity capital to assets | 7.1133% | 3,612 |
| Core capital (leverage) ratio | 9.4545% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7447% | 2,073 |
| Memoranda: | ||
| Average total assets | $489,118,200 | 1,748 |
| Average earning assets | $477,490,600 | 1,684 |
| Average equity | $39,207,400 | 1,946 |
| Average total loans | $377,225,200 | 1,467 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 1,276 |
| Cost of funding earning assets | 0.7650% | 183 |
| Net interest margin | 3.2297% | 2,532 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.9229% | 1,014 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.2743% | 4,412 |
| Return on assets (ROA) | 0.2814% | 4,359 |
| Pretax return on assets | 0.3769% | 4,293 |
| Return on Equity (ROE) | 3.4000% | 4,246 |
| Retained earnings to average equity (ytd only) | 3.4032% | 3,666 |
| Net charge-offs to loans | -0.0011% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.6578% | 436 |
| Assets per employee ($millions) | 6.2268% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 841 |
| Loan loss allowance to noncurrent loans | 159.3578% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 581 |
| Noncurrent loans to loans | 1.0799% | 699 |
| Net loans and leases to total assets | 75.2900% | 984 |
| Net loans and leases to deposits | 88.4690% | 1,001 |
| Net loans and leases to core deposits | 103.7828% | 658 |
| Total domestic deposits to total assets | 85.1100% | 3,260 |
| Equity capital to assets | 7.5306% | 3,201 |
| Core capital (leverage) ratio | 10.0745% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7630% | 1,782 |
| Memoranda: | ||
| Average total assets | $477,593,000 | 1,791 |
| Average earning assets | $466,402,250 | 1,718 |
| Average equity | $39,491,250 | 1,960 |
| Average total loans | $367,115,500 | 1,492 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 1,178 |
| Cost of funding earning assets | 0.5854% | 312 |
| Net interest margin | 3.2817% | 1,961 |
| Noninterest income to average assets | 0.2249% | 3,845 |
| Noninterest expense to average assets | 3.0299% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2970% | 4,294 |
| Return on assets (ROA) | 0.2970% | 4,243 |
| Pretax return on assets | 0.3982% | 4,163 |
| Return on Equity (ROE) | 3.4805% | 4,138 |
| Retained earnings to average equity (ytd only) | 3.4805% | 3,281 |
| Net charge-offs to loans | -0.0011% | 3,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3854% | 479 |
| Assets per employee ($millions) | 6.2376% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 892 |
| Loan loss allowance to noncurrent loans | 153.4653% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 574 |
| Noncurrent loans to loans | 1.1335% | 719 |
| Net loans and leases to total assets | 74.7393% | 836 |
| Net loans and leases to deposits | 87.6393% | 865 |
| Net loans and leases to core deposits | 107.4600% | 406 |
| Total domestic deposits to total assets | 85.2806% | 3,418 |
| Equity capital to assets | 7.6312% | 3,387 |
| Core capital (leverage) ratio | 9.3441% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6507% | 2,229 |
| Memoranda: | ||
| Average total assets | $468,666,667 | 1,821 |
| Average earning assets | $457,439,667 | 1,757 |
| Average equity | $39,994,333 | 1,992 |
| Average total loans | $360,683,333 | 1,500 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 1,065 |
| Cost of funding earning assets | 0.5281% | 427 |
| Net interest margin | 3.2829% | 1,612 |
| Noninterest income to average assets | 0.1893% | 4,027 |
| Noninterest expense to average assets | 2.9876% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3025% | 4,139 |
| Return on assets (ROA) | 0.3025% | 4,112 |
| Pretax return on assets | 0.4036% | 4,028 |
| Return on Equity (ROE) | 3.3601% | 4,021 |
| Retained earnings to average equity (ytd only) | 3.3601% | 3,155 |
| Net charge-offs to loans | 0.0134% | 1,279 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 38.9167% | 1,019 |
| Efficiency ratio | 88.0989% | 631 |
| Assets per employee ($millions) | 6.3709% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 947 |
| Loan loss allowance to noncurrent loans | 148.3622% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 572 |
| Noncurrent loans to loans | 1.1855% | 751 |
| Net loans and leases to total assets | 75.1281% | 567 |
| Net loans and leases to deposits | 91.6790% | 447 |
| Net loans and leases to core deposits | 110.4215% | 250 |
| Total domestic deposits to total assets | 81.9469% | 4,081 |
| Equity capital to assets | 8.4003% | 3,241 |
| Core capital (leverage) ratio | 9.7134% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $462,854,000 | 1,848 |
| Average earning assets | $451,425,000 | 1,784 |
| Average equity | $41,665,500 | 1,984 |
| Average total loans | $358,364,000 | 1,498 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 1,457 |
| Cost of funding earning assets | 0.7787% | 224 |
| Net interest margin | 3.1805% | 2,653 |
| Noninterest income to average assets | 0.1654% | 4,330 |
| Noninterest expense to average assets | 3.1868% | 744 |
| Loan and lease loss provision to assets | 0.0119% | 2,844 |
| Net operating income to assets | 0.0475% | 4,661 |
| Return on assets (ROA) | 0.0860% | 4,640 |
| Pretax return on assets | 0.1116% | 4,626 |
| Return on Equity (ROE) | 0.8480% | 4,617 |
| Retained earnings to average equity (ytd only) | 0.8480% | 4,296 |
| Net charge-offs to loans | -0.0308% | 4,134 |
| Credit loss provision to net charge-offs | -48.5437% | 3,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7066% | 173 |
| Assets per employee ($millions) | 5.9771% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 894 |
| Loan loss allowance to noncurrent loans | 142.6999% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 554 |
| Noncurrent loans to loans | 1.2499% | 769 |
| Net loans and leases to total assets | 77.0141% | 444 |
| Net loans and leases to deposits | 90.8707% | 532 |
| Net loans and leases to core deposits | 105.7496% | 373 |
| Total domestic deposits to total assets | 84.7513% | 3,342 |
| Equity capital to assets | 9.6262% | 3,023 |
| Core capital (leverage) ratio | 10.0145% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $418,445,000 | 1,932 |
| Average earning assets | $407,351,800 | 1,880 |
| Average equity | $42,453,400 | 1,996 |
| Average total loans | $333,927,200 | 1,576 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 1,748 |
| Cost of funding earning assets | 0.8185% | 224 |
| Net interest margin | 3.0861% | 3,090 |
| Noninterest income to average assets | 0.1446% | 4,475 |
| Noninterest expense to average assets | 3.2365% | 674 |
| Loan and lease loss provision to assets | 0.0164% | 2,677 |
| Net operating income to assets | -0.0822% | 4,765 |
| Return on assets (ROA) | -0.0335% | 4,764 |
| Pretax return on assets | -0.0449% | 4,764 |
| Return on Equity (ROE) | -0.3259% | 4,765 |
| Retained earnings to average equity (ytd only) | -0.3259% | 4,598 |
| Net charge-offs to loans | -0.0418% | 4,273 |
| Credit loss provision to net charge-offs | -48.5437% | 3,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8666% | 135 |
| Assets per employee ($millions) | 5.5652% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 801 |
| Loan loss allowance to noncurrent loans | 101.9089% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.4621% | 341 |
| Noncurrent loans to loans | 1.8418% | 515 |
| Net loans and leases to total assets | 76.5084% | 508 |
| Net loans and leases to deposits | 91.1284% | 542 |
| Net loans and leases to core deposits | 107.3889% | 384 |
| Total domestic deposits to total assets | 83.9567% | 3,466 |
| Equity capital to assets | 10.0570% | 2,842 |
| Core capital (leverage) ratio | 10.2454% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $409,491,000 | 1,975 |
| Average earning assets | $398,294,000 | 1,930 |
| Average equity | $42,134,750 | 2,036 |
| Average total loans | $328,359,500 | 1,623 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 1,660 |
| Cost of funding earning assets | 0.8419% | 238 |
| Net interest margin | 3.1159% | 2,994 |
| Noninterest income to average assets | 0.1261% | 4,573 |
| Noninterest expense to average assets | 3.2296% | 683 |
| Loan and lease loss provision to assets | 0.0249% | 2,474 |
| Net operating income to assets | -0.0773% | 4,795 |
| Return on assets (ROA) | -0.0249% | 4,789 |
| Pretax return on assets | -0.0334% | 4,789 |
| Return on Equity (ROE) | -0.2402% | 4,790 |
| Retained earnings to average equity (ytd only) | -0.2402% | 4,543 |
| Net charge-offs to loans | -0.0603% | 4,447 |
| Credit loss provision to net charge-offs | -51.0204% | 2,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3697% | 146 |
| Assets per employee ($millions) | 5.3339% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 740 |
| Loan loss allowance to noncurrent loans | 100.5226% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.5255% | 365 |
| Noncurrent loans to loans | 1.8878% | 529 |
| Net loans and leases to total assets | 77.8785% | 453 |
| Net loans and leases to deposits | 92.9587% | 496 |
| Net loans and leases to core deposits | 111.4045% | 327 |
| Total domestic deposits to total assets | 83.7775% | 3,499 |
| Equity capital to assets | 9.9377% | 2,903 |
| Core capital (leverage) ratio | 10.1594% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $401,292,333 | 2,000 |
| Average earning assets | $390,061,000 | 1,954 |
| Average equity | $41,627,667 | 2,046 |
| Average total loans | $324,990,667 | 1,641 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 1,536 |
| Cost of funding earning assets | 0.8717% | 256 |
| Net interest margin | 3.1636% | 2,802 |
| Noninterest income to average assets | 0.0695% | 4,796 |
| Noninterest expense to average assets | 3.3452% | 565 |
| Loan and lease loss provision to assets | 0.0511% | 2,082 |
| Net operating income to assets | -0.2546% | 4,853 |
| Return on assets (ROA) | -0.1994% | 4,843 |
| Pretax return on assets | -0.1994% | 4,836 |
| Return on Equity (ROE) | -1.8793% | 4,852 |
| Retained earnings to average equity (ytd only) | -1.8793% | 4,529 |
| Net charge-offs to loans | -0.0512% | 4,403 |
| Credit loss provision to net charge-offs | -121.9512% | 2,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4758% | 131 |
| Assets per employee ($millions) | 5.4151% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 660 |
| Loan loss allowance to noncurrent loans | 88.1833% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 313 |
| Noncurrent loans to loans | 2.2132% | 451 |
| Net loans and leases to total assets | 77.8194% | 475 |
| Net loans and leases to deposits | 93.2358% | 530 |
| Net loans and leases to core deposits | 113.8801% | 325 |
| Total domestic deposits to total assets | 83.4651% | 3,575 |
| Equity capital to assets | 10.0864% | 2,627 |
| Core capital (leverage) ratio | 10.9891% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $391,250,000 | 2,027 |
| Average earning assets | $379,952,000 | 1,974 |
| Average equity | $41,504,000 | 2,036 |
| Average total loans | $320,231,000 | 1,667 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 1,511 |
| Cost of funding earning assets | 1.1973% | 280 |
| Net interest margin | 3.2266% | 3,282 |
| Noninterest income to average assets | 0.2504% | 3,988 |
| Noninterest expense to average assets | 3.2490% | 974 |
| Loan and lease loss provision to assets | 0.3237% | 1,128 |
| Net operating income to assets | 0.3473% | 4,356 |
| Return on assets (ROA) | 0.5675% | 3,955 |
| Pretax return on assets | 0.0393% | 4,736 |
| Return on Equity (ROE) | 5.4165% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.4165% | 2,087 |
| Net charge-offs to loans | 0.0872% | 1,592 |
| Credit loss provision to net charge-offs | 446.4945% | 1,338 |
| Earnings coverage of net charge-offs (x) | 1.9705% | 3,217 |
| Efficiency ratio | 95.7880% | 230 |
| Assets per employee ($millions) | 5.0861% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9489% | 647 |
| Loan loss allowance to noncurrent loans | 245.8366% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 1,414 |
| Noncurrent loans to loans | 0.7928% | 1,750 |
| Net loans and leases to total assets | 82.8767% | 238 |
| Net loans and leases to deposits | 105.0692% | 243 |
| Net loans and leases to core deposits | 125.1868% | 252 |
| Total domestic deposits to total assets | 78.8782% | 4,216 |
| Equity capital to assets | 11.1709% | 2,122 |
| Core capital (leverage) ratio | 11.0395% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6762% | 1,634 |
| Memoranda: | ||
| Average total assets | $373,774,200 | 1,945 |
| Average earning assets | $363,910,000 | 1,888 |
| Average equity | $39,158,400 | 2,046 |
| Average total loans | $310,673,800 | 1,647 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4888% | 1,597 |
| Cost of funding earning assets | 1.2426% | 311 |
| Net interest margin | 3.2462% | 3,343 |
| Noninterest income to average assets | 0.2351% | 4,092 |
| Noninterest expense to average assets | 3.2435% | 993 |
| Loan and lease loss provision to assets | 0.2541% | 1,600 |
| Net operating income to assets | -0.0979% | 4,814 |
| Return on assets (ROA) | 0.0518% | 4,760 |
| Pretax return on assets | 0.0518% | 4,759 |
| Return on Equity (ROE) | 0.5030% | 4,752 |
| Retained earnings to average equity (ytd only) | 0.5030% | 4,385 |
| Net charge-offs to loans | 0.1174% | 1,187 |
| Credit loss provision to net charge-offs | 261.3971% | 1,888 |
| Earnings coverage of net charge-offs (x) | 1.6066% | 3,062 |
| Efficiency ratio | 95.4068% | 236 |
| Assets per employee ($millions) | 5.3423% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 648 |
| Loan loss allowance to noncurrent loans | 275.2294% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 1,934 |
| Noncurrent loans to loans | 0.6725% | 2,102 |
| Net loans and leases to total assets | 78.5856% | 761 |
| Net loans and leases to deposits | 98.5479% | 593 |
| Net loans and leases to core deposits | 114.0945% | 550 |
| Total domestic deposits to total assets | 79.7436% | 3,920 |
| Equity capital to assets | 10.4697% | 2,818 |
| Core capital (leverage) ratio | 10.7062% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4480% | 1,676 |
| Memoranda: | ||
| Average total assets | $373,125,250 | 1,929 |
| Average earning assets | $363,738,750 | 1,868 |
| Average equity | $38,437,000 | 2,073 |
| Average total loans | $308,811,500 | 1,648 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 1,541 |
| Cost of funding earning assets | 1.3222% | 326 |
| Net interest margin | 3.3261% | 3,320 |
| Noninterest income to average assets | 0.2600% | 3,917 |
| Noninterest expense to average assets | 3.2511% | 1,073 |
| Loan and lease loss provision to assets | 0.2827% | 1,520 |
| Net operating income to assets | -0.0314% | 4,802 |
| Return on assets (ROA) | 0.0060% | 4,790 |
| Pretax return on assets | 0.0060% | 4,785 |
| Return on Equity (ROE) | 0.0582% | 4,789 |
| Retained earnings to average equity (ytd only) | 0.0582% | 4,294 |
| Net charge-offs to loans | 0.1216% | 1,116 |
| Credit loss provision to net charge-offs | 277.6596% | 1,675 |
| Earnings coverage of net charge-offs (x) | 2.4681% | 2,771 |
| Efficiency ratio | 92.8251% | 322 |
| Assets per employee ($millions) | 5.1785% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7912% | 667 |
| Loan loss allowance to noncurrent loans | 213.7944% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 1,642 |
| Noncurrent loans to loans | 0.8378% | 1,820 |
| Net loans and leases to total assets | 81.1493% | 488 |
| Net loans and leases to deposits | 101.6633% | 457 |
| Net loans and leases to core deposits | 115.6912% | 540 |
| Total domestic deposits to total assets | 79.8217% | 3,874 |
| Equity capital to assets | 10.1439% | 3,073 |
| Core capital (leverage) ratio | 10.3023% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3511% | 2,050 |
| Memoranda: | ||
| Average total assets | $369,286,000 | 1,924 |
| Average earning assets | $360,002,000 | 1,859 |
| Average equity | $37,825,667 | 2,090 |
| Average total loans | $309,090,667 | 1,629 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 1,820 |
| Cost of funding earning assets | 1.4628% | 306 |
| Net interest margin | 3.1965% | 3,864 |
| Noninterest income to average assets | 0.3431% | 3,466 |
| Noninterest expense to average assets | 3.2742% | 1,275 |
| Loan and lease loss provision to assets | 0.7728% | 324 |
| Net operating income to assets | -0.5875% | 4,943 |
| Return on assets (ROA) | -0.5119% | 4,905 |
| Pretax return on assets | -0.5119% | 4,892 |
| Return on Equity (ROE) | -4.9727% | 4,920 |
| Retained earnings to average equity (ytd only) | -4.9727% | 4,517 |
| Net charge-offs to loans | 1.0616% | 147 |
| Credit loss provision to net charge-offs | 86.3971% | 1,908 |
| Earnings coverage of net charge-offs (x) | 0.2071% | 2,481 |
| Efficiency ratio | 94.6451% | 361 |
| Assets per employee ($millions) | 5.1044% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 916 |
| Loan loss allowance to noncurrent loans | 191.3076% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 1,703 |
| Noncurrent loans to loans | 0.8740% | 1,864 |
| Net loans and leases to total assets | 82.4020% | 404 |
| Net loans and leases to deposits | 103.6154% | 382 |
| Net loans and leases to core deposits | 116.3077% | 580 |
| Total domestic deposits to total assets | 79.5267% | 3,949 |
| Equity capital to assets | 10.1483% | 3,651 |
| Core capital (leverage) ratio | 10.3776% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4120% | 2,109 |
| Memoranda: | ||
| Average total assets | $364,914,500 | 1,906 |
| Average earning assets | $355,763,000 | 1,827 |
| Average equity | $37,565,000 | 2,088 |
| Average total loans | $307,454,500 | 1,610 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 2,540 |
| Cost of funding earning assets | 1.5998% | 302 |
| Net interest margin | 3.0239% | 4,494 |
| Noninterest income to average assets | 0.3205% | 3,772 |
| Noninterest expense to average assets | 3.2530% | 1,401 |
| Loan and lease loss provision to assets | 0.0960% | 2,120 |
| Net operating income to assets | 0.0218% | 4,961 |
| Return on assets (ROA) | 0.0500% | 4,964 |
| Pretax return on assets | -0.0517% | 4,992 |
| Return on Equity (ROE) | 0.4964% | 4,961 |
| Retained earnings to average equity (ytd only) | 0.4964% | 4,546 |
| Net charge-offs to loans | 0.0040% | 3,538 |
| Credit loss provision to net charge-offs | 2,958.3333% | 137 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,390 |
| Efficiency ratio | 99.7346% | 161 |
| Assets per employee ($millions) | 4.8308% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7141% | 770 |
| Loan loss allowance to noncurrent loans | 201.1855% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 1,645 |
| Noncurrent loans to loans | 0.8520% | 1,807 |
| Net loans and leases to total assets | 83.2589% | 394 |
| Net loans and leases to deposits | 103.9064% | 379 |
| Net loans and leases to core deposits | 115.1451% | 629 |
| Total domestic deposits to total assets | 80.1287% | 3,954 |
| Equity capital to assets | 10.4421% | 3,500 |
| Core capital (leverage) ratio | 10.3980% | 3,071 |
| Tier 1 risk-based capital ratio | 13.7335% | 3,395 |
| Total risk-based capital ratio | 14.9925% | 3,295 |
| Memoranda: | ||
| Average total assets | $369,723,800 | 1,846 |
| Average earning assets | $359,598,600 | 1,779 |
| Average equity | $37,265,800 | 2,045 |
| Average total loans | $296,340,000 | 1,622 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 2,941 |
| Cost of funding earning assets | 1.5993% | 301 |
| Net interest margin | 2.9371% | 4,713 |
| Noninterest income to average assets | 0.3211% | 3,826 |
| Noninterest expense to average assets | 3.2416% | 1,388 |
| Loan and lease loss provision to assets | 0.1059% | 1,825 |
| Net operating income to assets | -0.1715% | 5,101 |
| Return on assets (ROA) | -0.1399% | 5,101 |
| Pretax return on assets | -0.1399% | 5,097 |
| Return on Equity (ROE) | -1.4007% | 5,107 |
| Retained earnings to average equity (ytd only) | -1.4007% | 4,891 |
| Net charge-offs to loans | 0.0064% | 3,157 |
| Credit loss provision to net charge-offs | 2,107.1429% | 196 |
| Earnings coverage of net charge-offs (x) | -13.0686% | 3,431 |
| Efficiency ratio | 102.0676% | 136 |
| Assets per employee ($millions) | 5.0831% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 807 |
| Loan loss allowance to noncurrent loans | 190.7190% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8321% | 1,654 |
| Noncurrent loans to loans | 0.8959% | 1,783 |
| Net loans and leases to total assets | 79.5057% | 910 |
| Net loans and leases to deposits | 100.9492% | 569 |
| Net loans and leases to core deposits | 110.9605% | 899 |
| Total domestic deposits to total assets | 78.7581% | 4,222 |
| Equity capital to assets | 9.9257% | 4,096 |
| Core capital (leverage) ratio | 10.2041% | 3,423 |
| Tier 1 risk-based capital ratio | 13.6825% | 3,485 |
| Total risk-based capital ratio | 14.9408% | 3,387 |
| Memoranda: | ||
| Average total assets | $371,577,000 | 1,856 |
| Average earning assets | $361,160,500 | 1,794 |
| Average equity | $37,124,000 | 2,055 |
| Average total loans | $293,695,750 | 1,643 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 2,969 |
| Cost of funding earning assets | 1.5855% | 287 |
| Net interest margin | 2.9304% | 4,782 |
| Noninterest income to average assets | 0.2951% | 3,964 |
| Noninterest expense to average assets | 3.2531% | 1,390 |
| Loan and lease loss provision to assets | 0.1594% | 1,139 |
| Net operating income to assets | -0.2724% | 5,160 |
| Return on assets (ROA) | -0.2708% | 5,166 |
| Pretax return on assets | -0.2708% | 5,161 |
| Return on Equity (ROE) | -2.7042% | 5,181 |
| Retained earnings to average equity (ytd only) | -2.7042% | 4,959 |
| Net charge-offs to loans | 0.0090% | 2,817 |
| Credit loss provision to net charge-offs | 2,269.2308% | 164 |
| Earnings coverage of net charge-offs (x) | -16.0769% | 3,154 |
| Efficiency ratio | 103.5972% | 134 |
| Assets per employee ($millions) | 5.1153% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7786% | 707 |
| Loan loss allowance to noncurrent loans | 108.0856% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 938 |
| Noncurrent loans to loans | 1.6455% | 934 |
| Net loans and leases to total assets | 75.8649% | 1,570 |
| Net loans and leases to deposits | 96.0088% | 1,035 |
| Net loans and leases to core deposits | 105.6370% | 1,269 |
| Total domestic deposits to total assets | 79.0187% | 4,220 |
| Equity capital to assets | 9.8195% | 4,123 |
| Core capital (leverage) ratio | 10.2143% | 3,371 |
| Tier 1 risk-based capital ratio | 14.0850% | 3,273 |
| Total risk-based capital ratio | 15.3439% | 3,189 |
| Memoranda: | ||
| Average total assets | $370,051,670 | 1,869 |
| Average earning assets | $359,266,330 | 1,808 |
| Average equity | $37,053,330 | 2,059 |
| Average total loans | $290,173,670 | 1,658 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 2,956 |
| Cost of funding earning assets | 1.5415% | 284 |
| Net interest margin | 2.9340% | 4,845 |
| Noninterest income to average assets | 0.3149% | 3,754 |
| Noninterest expense to average assets | 3.2946% | 1,294 |
| Loan and lease loss provision to assets | -0.0547% | 5,264 |
| Net operating income to assets | -0.0842% | 5,175 |
| Return on assets (ROA) | -0.0820% | 5,175 |
| Pretax return on assets | -0.0820% | 5,169 |
| Return on Equity (ROE) | -0.8109% | 5,177 |
| Retained earnings to average equity (ytd only) | -0.8109% | 4,626 |
| Net charge-offs to loans | 0.0028% | 2,649 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,108 |
| Earnings coverage of net charge-offs (x) | -63.5000% | 2,732 |
| Efficiency ratio | 104.4006% | 135 |
| Assets per employee ($millions) | 4.9700% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 894 |
| Loan loss allowance to noncurrent loans | 243.3000% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 1,995 |
| Noncurrent loans to loans | 0.6914% | 2,291 |
| Net loans and leases to total assets | 77.3326% | 1,271 |
| Net loans and leases to deposits | 98.5024% | 737 |
| Net loans and leases to core deposits | 107.9268% | 1,055 |
| Total domestic deposits to total assets | 78.5083% | 4,432 |
| Equity capital to assets | 10.1101% | 3,714 |
| Core capital (leverage) ratio | 10.5898% | 2,954 |
| Tier 1 risk-based capital ratio | 14.7051% | 2,999 |
| Total risk-based capital ratio | 15.9633% | 2,933 |
| Memoranda: | ||
| Average total assets | $365,811,500 | 1,896 |
| Average earning assets | $354,190,500 | 1,827 |
| Average equity | $36,995,000 | 2,057 |
| Average total loans | $289,074,000 | 1,667 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 2,410 |
| Cost of funding earning assets | 1.1098% | 474 |
| Net interest margin | 3.4082% | 3,979 |
| Noninterest income to average assets | 0.4172% | 3,330 |
| Noninterest expense to average assets | 3.3467% | 1,228 |
| Loan and lease loss provision to assets | -0.0068% | 5,096 |
| Net operating income to assets | 0.3979% | 4,869 |
| Return on assets (ROA) | 0.4017% | 4,852 |
| Pretax return on assets | 0.3962% | 4,937 |
| Return on Equity (ROE) | 4.0669% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.0669% | 3,324 |
| Net charge-offs to loans | 0.1418% | 1,339 |
| Credit loss provision to net charge-offs | -5.9809% | 4,257 |
| Earnings coverage of net charge-offs (x) | 3.3780% | 3,420 |
| Efficiency ratio | 89.6693% | 361 |
| Assets per employee ($millions) | 4.8512% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 831 |
| Loan loss allowance to noncurrent loans | 922.5141% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 2,859 |
| Noncurrent loans to loans | 0.1845% | 3,919 |
| Net loans and leases to total assets | 78.0422% | 1,266 |
| Net loans and leases to deposits | 100.1531% | 732 |
| Net loans and leases to core deposits | 109.2653% | 1,042 |
| Total domestic deposits to total assets | 77.9229% | 4,506 |
| Equity capital to assets | 10.1162% | 3,554 |
| Core capital (leverage) ratio | 10.4625% | 3,073 |
| Tier 1 risk-based capital ratio | 14.6433% | 2,993 |
| Total risk-based capital ratio | 15.9014% | 2,915 |
| Memoranda: | ||
| Average total assets | $366,210,000 | 1,848 |
| Average earning assets | $356,203,600 | 1,785 |
| Average equity | $36,170,400 | 2,025 |
| Average total loans | $294,747,000 | 1,614 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 2,313 |
| Cost of funding earning assets | 1.0130% | 561 |
| Net interest margin | 3.4845% | 3,745 |
| Noninterest income to average assets | 0.4518% | 3,157 |
| Noninterest expense to average assets | 3.3729% | 1,161 |
| Loan and lease loss provision to assets | 0.0273% | 3,464 |
| Net operating income to assets | 0.4453% | 4,866 |
| Return on assets (ROA) | 0.4453% | 4,872 |
| Pretax return on assets | 0.4453% | 4,977 |
| Return on Equity (ROE) | 4.5355% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.5355% | 3,480 |
| Net charge-offs to loans | 0.1890% | 884 |
| Credit loss provision to net charge-offs | 17.8571% | 3,028 |
| Earnings coverage of net charge-offs (x) | 3.0952% | 3,192 |
| Efficiency ratio | 87.7115% | 417 |
| Assets per employee ($millions) | 4.8162% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6989% | 872 |
| Loan loss allowance to noncurrent loans | 922.0588% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 3,011 |
| Noncurrent loans to loans | 0.1843% | 4,060 |
| Net loans and leases to total assets | 78.2623% | 1,302 |
| Net loans and leases to deposits | 94.4044% | 1,332 |
| Net loans and leases to core deposits | 102.0341% | 1,610 |
| Total domestic deposits to total assets | 82.9011% | 3,343 |
| Equity capital to assets | 9.6851% | 3,926 |
| Core capital (leverage) ratio | 10.1459% | 3,475 |
| Tier 1 risk-based capital ratio | 14.3576% | 3,190 |
| Total risk-based capital ratio | 15.6162% | 3,097 |
| Memoranda: | ||
| Average total assets | $366,801,750 | 1,851 |
| Average earning assets | $357,228,500 | 1,783 |
| Average equity | $36,011,250 | 2,035 |
| Average total loans | $296,216,750 | 1,617 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 2,101 |
| Cost of funding earning assets | 0.9242% | 653 |
| Net interest margin | 3.5705% | 3,409 |
| Noninterest income to average assets | 0.3169% | 4,057 |
| Noninterest expense to average assets | 3.3214% | 1,270 |
| Loan and lease loss provision to assets | 0.0410% | 3,089 |
| Net operating income to assets | 0.4367% | 4,882 |
| Return on assets (ROA) | 0.4367% | 4,889 |
| Pretax return on assets | 0.4367% | 5,005 |
| Return on Equity (ROE) | 4.4281% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.4281% | 3,384 |
| Net charge-offs to loans | 0.2873% | 556 |
| Credit loss provision to net charge-offs | 17.6056% | 2,697 |
| Earnings coverage of net charge-offs (x) | 2.0493% | 3,003 |
| Efficiency ratio | 87.4244% | 497 |
| Assets per employee ($millions) | 4.9099% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 957 |
| Loan loss allowance to noncurrent loans | 339.2011% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 2,536 |
| Noncurrent loans to loans | 0.4922% | 2,956 |
| Net loans and leases to total assets | 79.0773% | 1,153 |
| Net loans and leases to deposits | 94.2061% | 1,335 |
| Net loans and leases to core deposits | 102.1529% | 1,555 |
| Total domestic deposits to total assets | 83.9407% | 3,090 |
| Equity capital to assets | 9.6231% | 3,988 |
| Core capital (leverage) ratio | 10.1949% | 3,365 |
| Tier 1 risk-based capital ratio | 13.8968% | 3,405 |
| Total risk-based capital ratio | 15.1550% | 3,320 |
| Memoranda: | ||
| Average total assets | $365,453,000 | 1,866 |
| Average earning assets | $356,425,330 | 1,796 |
| Average equity | $36,042,670 | 2,031 |
| Average total loans | $296,539,000 | 1,624 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 1,934 |
| Cost of funding earning assets | 0.8554% | 747 |
| Net interest margin | 3.6234% | 3,096 |
| Noninterest income to average assets | 0.3097% | 4,090 |
| Noninterest expense to average assets | 3.0929% | 1,846 |
| Loan and lease loss provision to assets | 0.0830% | 2,134 |
| Net operating income to assets | 0.6715% | 4,204 |
| Return on assets (ROA) | 0.6715% | 4,207 |
| Pretax return on assets | 0.6715% | 4,514 |
| Return on Equity (ROE) | 6.7240% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.7240% | 2,400 |
| Net charge-offs to loans | -0.0081% | 4,176 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3910% | 1,098 |
| Assets per employee ($millions) | 4.9776% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 722 |
| Loan loss allowance to noncurrent loans | 144.5418% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.2104% | 1,257 |
| Noncurrent loans to loans | 1.2733% | 1,412 |
| Net loans and leases to total assets | 79.8796% | 950 |
| Net loans and leases to deposits | 95.0313% | 1,128 |
| Net loans and leases to core deposits | 104.5350% | 1,344 |
| Total domestic deposits to total assets | 84.0562% | 3,306 |
| Equity capital to assets | 9.9174% | 3,680 |
| Core capital (leverage) ratio | 10.3823% | 3,077 |
| Tier 1 risk-based capital ratio | 13.9698% | 3,393 |
| Total risk-based capital ratio | 15.2300% | 3,303 |
| Memoranda: | ||
| Average total assets | $361,602,500 | 1,887 |
| Average earning assets | $353,041,000 | 1,822 |
| Average equity | $36,109,500 | 2,034 |
| Average total loans | $294,763,500 | 1,636 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,245 |
| Cost of funding earning assets | 0.7262% | 902 |
| Net interest margin | 3.6002% | 3,165 |
| Noninterest income to average assets | 0.2003% | 4,946 |
| Noninterest expense to average assets | 3.3742% | 1,241 |
| Loan and lease loss provision to assets | 0.1806% | 1,188 |
| Net operating income to assets | 0.4167% | 4,638 |
| Return on assets (ROA) | 0.4411% | 4,588 |
| Pretax return on assets | 0.1801% | 5,328 |
| Return on Equity (ROE) | 4.4333% | 4,372 |
| Retained earnings to average equity (ytd only) | 1.6451% | 4,316 |
| Net charge-offs to loans | 0.0360% | 3,069 |
| Credit loss provision to net charge-offs | 614.1509% | 522 |
| Earnings coverage of net charge-offs (x) | 11.4340% | 2,575 |
| Efficiency ratio | 90.9376% | 383 |
| Assets per employee ($millions) | 4.9293% | 2,565 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8245% | 745 |
| Loan loss allowance to noncurrent loans | 131.5583% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 1,106 |
| Noncurrent loans to loans | 1.3868% | 1,240 |
| Net loans and leases to total assets | 80.1660% | 936 |
| Net loans and leases to deposits | 94.8543% | 1,187 |
| Net loans and leases to core deposits | 104.0390% | 1,413 |
| Total domestic deposits to total assets | 84.5149% | 3,030 |
| Equity capital to assets | 10.0552% | 3,636 |
| Core capital (leverage) ratio | 10.3023% | 3,067 |
| Tier 1 risk-based capital ratio | 13.8365% | 3,452 |
| Total risk-based capital ratio | 15.0968% | 3,356 |
| Memoranda: | ||
| Average total assets | $360,444,200 | 1,865 |
| Average earning assets | $351,426,400 | 1,795 |
| Average equity | $35,865,000 | 2,031 |
| Average total loans | $294,639,200 | 1,590 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 2,182 |
| Cost of funding earning assets | 0.7053% | 937 |
| Net interest margin | 3.6232% | 3,057 |
| Noninterest income to average assets | 0.3050% | 4,349 |
| Noninterest expense to average assets | 3.4010% | 1,154 |
| Loan and lease loss provision to assets | 0.1205% | 1,799 |
| Net operating income to assets | 0.3147% | 5,192 |
| Return on assets (ROA) | 0.3457% | 5,143 |
| Pretax return on assets | 0.3457% | 5,266 |
| Return on Equity (ROE) | 3.4836% | 4,982 |
| Retained earnings to average equity (ytd only) | -0.2422% | 5,246 |
| Net charge-offs to loans | 0.0678% | 2,152 |
| Credit loss provision to net charge-offs | 217.3333% | 1,268 |
| Earnings coverage of net charge-offs (x) | 7.8465% | 2,833 |
| Efficiency ratio | 88.6554% | 471 |
| Assets per employee ($millions) | 4.8695% | 2,607 |
| Cash dividends to net income (ytd only)* | 106.9515% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 1,037 |
| Loan loss allowance to noncurrent loans | 80.7245% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.9939% | 650 |
| Noncurrent loans to loans | 2.1045% | 783 |
| Net loans and leases to total assets | 80.1617% | 964 |
| Net loans and leases to deposits | 93.4688% | 1,359 |
| Net loans and leases to core deposits | 102.9070% | 1,472 |
| Total domestic deposits to total assets | 85.7630% | 2,403 |
| Equity capital to assets | 10.0007% | 3,910 |
| Core capital (leverage) ratio | 10.0478% | 3,517 |
| Tier 1 risk-based capital ratio | 13.6690% | 3,602 |
| Total risk-based capital ratio | 14.9276% | 3,527 |
| Memoranda: | ||
| Average total assets | $360,594,750 | 1,876 |
| Average earning assets | $351,426,000 | 1,810 |
| Average equity | $35,785,500 | 2,043 |
| Average total loans | $294,841,000 | 1,602 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 1,938 |
| Cost of funding earning assets | 0.6846% | 966 |
| Net interest margin | 3.6768% | 2,732 |
| Noninterest income to average assets | 0.3072% | 4,341 |
| Noninterest expense to average assets | 3.3304% | 1,310 |
| Loan and lease loss provision to assets | 0.1808% | 1,049 |
| Net operating income to assets | 0.3760% | 5,030 |
| Return on assets (ROA) | 0.4148% | 4,972 |
| Pretax return on assets | 0.4148% | 5,155 |
| Return on Equity (ROE) | 4.1903% | 4,774 |
| Retained earnings to average equity (ytd only) | -1.4117% | 5,276 |
| Net charge-offs to loans | 0.1057% | 1,571 |
| Credit loss provision to net charge-offs | 208.9744% | 1,228 |
| Earnings coverage of net charge-offs (x) | 6.4359% | 2,713 |
| Efficiency ratio | 85.6776% | 718 |
| Assets per employee ($millions) | 4.8584% | 2,575 |
| Cash dividends to net income (ytd only)* | 133.6898% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 1,110 |
| Loan loss allowance to noncurrent loans | 81.2449% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.9949% | 641 |
| Noncurrent loans to loans | 2.0568% | 813 |
| Net loans and leases to total assets | 81.6042% | 726 |
| Net loans and leases to deposits | 96.0680% | 1,076 |
| Net loans and leases to core deposits | 105.7868% | 1,248 |
| Total domestic deposits to total assets | 84.9442% | 2,840 |
| Equity capital to assets | 10.0019% | 3,907 |
| Core capital (leverage) ratio | 9.9625% | 3,581 |
| Tier 1 risk-based capital ratio | 13.3050% | 3,796 |
| Total risk-based capital ratio | 14.5631% | 3,711 |
| Memoranda: | ||
| Average total assets | $360,678,670 | 1,881 |
| Average earning assets | $351,171,670 | 1,811 |
| Average equity | $35,701,670 | 2,041 |
| Average total loans | $295,171,670 | 1,601 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 1,897 |
| Cost of funding earning assets | 0.6706% | 975 |
| Net interest margin | 3.6511% | 2,690 |
| Noninterest income to average assets | 0.3311% | 4,181 |
| Noninterest expense to average assets | 3.4723% | 1,084 |
| Loan and lease loss provision to assets | 0.1561% | 1,164 |
| Net operating income to assets | 0.2536% | 5,298 |
| Return on assets (ROA) | 0.2602% | 5,305 |
| Pretax return on assets | 0.2602% | 5,362 |
| Return on Equity (ROE) | 2.6425% | 5,196 |
| Retained earnings to average equity (ytd only) | -8.6020% | 5,552 |
| Net charge-offs to loans | -0.0613% | 5,274 |
| Credit loss provision to net charge-offs | -313.3333% | 4,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4467% | 581 |
| Assets per employee ($millions) | 4.8182% | 2,670 |
| Cash dividends to net income (ytd only)* | 425.5319% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 1,188 |
| Loan loss allowance to noncurrent loans | 104.9077% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.5861% | 982 |
| Noncurrent loans to loans | 1.6006% | 1,212 |
| Net loans and leases to total assets | 79.9806% | 835 |
| Net loans and leases to deposits | 96.5307% | 892 |
| Net loans and leases to core deposits | 102.7541% | 1,312 |
| Total domestic deposits to total assets | 82.8551% | 3,903 |
| Equity capital to assets | 9.6315% | 4,151 |
| Core capital (leverage) ratio | 9.7675% | 3,793 |
| Tier 1 risk-based capital ratio | 12.9018% | 4,144 |
| Total risk-based capital ratio | 14.1595% | 4,036 |
| Memoranda: | ||
| Average total assets | $361,257,000 | 1,890 |
| Average earning assets | $351,347,000 | 1,818 |
| Average equity | $35,573,000 | 2,056 |
| Average total loans | $293,572,000 | 1,615 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 2,286 |
| Cost of funding earning assets | 0.6372% | 1,125 |
| Net interest margin | 3.6194% | 3,001 |
| Noninterest income to average assets | 0.3494% | 4,231 |
| Noninterest expense to average assets | 3.3553% | 1,452 |
| Loan and lease loss provision to assets | 0.0892% | 2,581 |
| Net operating income to assets | 0.4251% | 4,861 |
| Return on assets (ROA) | 0.5348% | 4,589 |
| Pretax return on assets | 0.5348% | 4,957 |
| Return on Equity (ROE) | 5.2033% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.2033% | 2,200 |
| Net charge-offs to loans | -0.0319% | 5,269 |
| Credit loss provision to net charge-offs | -360.4651% | 5,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7078% | 769 |
| Assets per employee ($millions) | 4.8153% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 1,222 |
| Loan loss allowance to noncurrent loans | 220.5128% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 2,041 |
| Noncurrent loans to loans | 0.7550% | 2,646 |
| Net loans and leases to total assets | 79.8276% | 920 |
| Net loans and leases to deposits | 101.3822% | 578 |
| Net loans and leases to core deposits | 108.6907% | 978 |
| Total domestic deposits to total assets | 78.7393% | 4,856 |
| Equity capital to assets | 10.0685% | 3,653 |
| Core capital (leverage) ratio | 10.3534% | 3,046 |
| Tier 1 risk-based capital ratio | 13.4918% | 3,774 |
| Total risk-based capital ratio | 14.7488% | 3,669 |
| Memoranda: | ||
| Average total assets | $347,417,600 | 1,912 |
| Average earning assets | $337,899,600 | 1,840 |
| Average equity | $35,707,800 | 2,043 |
| Average total loans | $269,904,200 | 1,676 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 2,436 |
| Cost of funding earning assets | 0.6299% | 1,141 |
| Net interest margin | 3.5954% | 3,090 |
| Noninterest income to average assets | 0.3897% | 3,994 |
| Noninterest expense to average assets | 3.3249% | 1,505 |
| Loan and lease loss provision to assets | 0.0869% | 2,490 |
| Net operating income to assets | 0.4747% | 4,784 |
| Return on assets (ROA) | 0.6219% | 4,326 |
| Pretax return on assets | 0.6219% | 4,820 |
| Return on Equity (ROE) | 6.0187% | 4,053 |
| Retained earnings to average equity (ytd only) | 6.0187% | 2,176 |
| Net charge-offs to loans | 0.0096% | 3,595 |
| Credit loss provision to net charge-offs | 1,184.2105% | 351 |
| Earnings coverage of net charge-offs (x) | 76.5345% | 813 |
| Efficiency ratio | 85.5496% | 861 |
| Assets per employee ($millions) | 4.4694% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6202% | 1,407 |
| Loan loss allowance to noncurrent loans | 223.4783% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.9374% | 2,221 |
| Noncurrent loans to loans | 0.7250% | 2,861 |
| Net loans and leases to total assets | 80.5777% | 808 |
| Net loans and leases to deposits | 101.8798% | 581 |
| Net loans and leases to core deposits | 106.4878% | 1,151 |
| Total domestic deposits to total assets | 79.0910% | 4,698 |
| Equity capital to assets | 10.5488% | 3,510 |
| Core capital (leverage) ratio | 10.4091% | 3,103 |
| Tier 1 risk-based capital ratio | 13.7120% | 3,735 |
| Total risk-based capital ratio | 14.9685% | 3,645 |
| Memoranda: | ||
| Average total assets | $345,189,750 | 1,924 |
| Average earning assets | $335,716,750 | 1,852 |
| Average equity | $35,665,500 | 2,053 |
| Average total loans | $265,064,000 | 1,702 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,571 |
| Cost of funding earning assets | 0.6203% | 1,194 |
| Net interest margin | 3.5593% | 3,258 |
| Noninterest income to average assets | 0.3726% | 4,082 |
| Noninterest expense to average assets | 3.3547% | 1,471 |
| Loan and lease loss provision to assets | 0.0256% | 3,626 |
| Net operating income to assets | 0.4546% | 4,853 |
| Return on assets (ROA) | 0.5621% | 4,551 |
| Pretax return on assets | 0.5621% | 4,994 |
| Return on Equity (ROE) | 5.4794% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.4794% | 2,430 |
| Net charge-offs to loans | -0.0186% | 4,918 |
| Credit loss provision to net charge-offs | -183.3333% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4792% | 755 |
| Assets per employee ($millions) | 4.4549% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,505 |
| Loan loss allowance to noncurrent loans | 189.5270% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 2,031 |
| Noncurrent loans to loans | 0.8488% | 2,622 |
| Net loans and leases to total assets | 80.0238% | 894 |
| Net loans and leases to deposits | 102.0404% | 561 |
| Net loans and leases to core deposits | 105.5172% | 1,218 |
| Total domestic deposits to total assets | 78.4236% | 4,908 |
| Equity capital to assets | 10.6373% | 3,485 |
| Core capital (leverage) ratio | 10.4565% | 3,018 |
| Tier 1 risk-based capital ratio | 13.8169% | 3,714 |
| Total risk-based capital ratio | 15.0734% | 3,630 |
| Memoranda: | ||
| Average total assets | $344,049,670 | 1,937 |
| Average earning assets | $334,675,000 | 1,856 |
| Average equity | $35,296,000 | 2,075 |
| Average total loans | $258,242,670 | 1,750 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 3,072 |
| Cost of funding earning assets | 0.6246% | 1,188 |
| Net interest margin | 3.4152% | 3,818 |
| Noninterest income to average assets | 0.3622% | 4,130 |
| Noninterest expense to average assets | 3.3689% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3192% | 5,245 |
| Return on assets (ROA) | 0.4388% | 4,949 |
| Pretax return on assets | 0.4388% | 5,230 |
| Return on Equity (ROE) | 4.3574% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.3574% | 3,298 |
| Net charge-offs to loans | -0.0290% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3440% | 589 |
| Assets per employee ($millions) | 4.5658% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 1,246 |
| Loan loss allowance to noncurrent loans | 134.2002% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 2,190 |
| Noncurrent loans to loans | 1.3054% | 1,841 |
| Net loans and leases to total assets | 72.6803% | 1,922 |
| Net loans and leases to deposits | 93.7819% | 1,168 |
| Net loans and leases to core deposits | 95.9250% | 1,805 |
| Total domestic deposits to total assets | 77.4993% | 5,215 |
| Equity capital to assets | 10.3519% | 3,683 |
| Core capital (leverage) ratio | 10.2227% | 3,291 |
| Tier 1 risk-based capital ratio | 14.7454% | 3,266 |
| Total risk-based capital ratio | 16.0036% | 3,202 |
| Memoranda: | ||
| Average total assets | $344,560,500 | 1,944 |
| Average earning assets | $335,558,500 | 1,851 |
| Average equity | $34,699,500 | 2,105 |
| Average total loans | $247,868,000 | 1,811 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 2,487 |
| Cost of funding earning assets | 0.6687% | 967 |
| Net interest margin | 3.5540% | 3,304 |
| Noninterest income to average assets | 1.0529% | 1,066 |
| Noninterest expense to average assets | 3.5513% | 1,214 |
| Loan and lease loss provision to assets | -0.4652% | 6,117 |
| Net operating income to assets | 1.3519% | 1,144 |
| Return on assets (ROA) | 1.3301% | 1,246 |
| Pretax return on assets | 1.3301% | 2,165 |
| Return on Equity (ROE) | 14.3087% | 795 |
| Retained earnings to average equity (ytd only) | 14.3087% | 153 |
| Net charge-offs to loans | -0.6286% | 6,107 |
| Credit loss provision to net charge-offs | 107.0645% | 2,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0215% | 1,670 |
| Assets per employee ($millions) | 4.5616% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 1,092 |
| Loan loss allowance to noncurrent loans | 103.2710% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.2787% | 1,670 |
| Noncurrent loans to loans | 1.7656% | 1,264 |
| Net loans and leases to total assets | 68.6486% | 2,598 |
| Net loans and leases to deposits | 89.2503% | 1,716 |
| Net loans and leases to core deposits | 92.1800% | 2,200 |
| Total domestic deposits to total assets | 76.9170% | 5,330 |
| Equity capital to assets | 9.7928% | 4,198 |
| Core capital (leverage) ratio | 10.0349% | 3,464 |
| Tier 1 risk-based capital ratio | 14.9904% | 3,185 |
| Total risk-based capital ratio | 16.2491% | 3,111 |
| Memoranda: | ||
| Average total assets | $335,534,600 | 1,955 |
| Average earning assets | $319,587,800 | 1,892 |
| Average equity | $31,190,800 | 2,239 |
| Average total loans | $231,940,400 | 1,852 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 2,230 |
| Cost of funding earning assets | 0.6741% | 961 |
| Net interest margin | 3.6259% | 3,049 |
| Noninterest income to average assets | 0.4336% | 3,843 |
| Noninterest expense to average assets | 3.4696% | 1,345 |
| Loan and lease loss provision to assets | -0.6010% | 6,226 |
| Net operating income to assets | 0.9981% | 2,480 |
| Return on assets (ROA) | 1.0654% | 2,241 |
| Pretax return on assets | 1.0654% | 3,348 |
| Return on Equity (ROE) | 11.6234% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.6234% | 403 |
| Net charge-offs to loans | -0.8942% | 6,201 |
| Credit loss provision to net charge-offs | 97.5293% | 2,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7306% | 722 |
| Assets per employee ($millions) | 4.7720% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 1,003 |
| Loan loss allowance to noncurrent loans | 173.4221% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 2,889 |
| Noncurrent loans to loans | 1.1155% | 2,268 |
| Net loans and leases to total assets | 66.3709% | 2,952 |
| Net loans and leases to deposits | 85.7107% | 2,176 |
| Net loans and leases to core deposits | 88.5872% | 2,602 |
| Total domestic deposits to total assets | 77.4359% | 5,275 |
| Equity capital to assets | 9.3699% | 4,917 |
| Core capital (leverage) ratio | 9.6702% | 4,076 |
| Tier 1 risk-based capital ratio | 14.0161% | 3,834 |
| Total risk-based capital ratio | 15.2753% | 3,776 |
| Memoranda: | ||
| Average total assets | $332,747,500 | 1,987 |
| Average earning assets | $315,056,000 | 1,933 |
| Average equity | $30,501,000 | 2,301 |
| Average total loans | $229,322,250 | 1,879 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,185 |
| Cost of funding earning assets | 0.6682% | 1,006 |
| Net interest margin | 3.3566% | 4,074 |
| Noninterest income to average assets | 0.4848% | 3,470 |
| Noninterest expense to average assets | 3.4890% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1917% | 5,714 |
| Return on assets (ROA) | 0.2699% | 5,617 |
| Pretax return on assets | 0.2699% | 5,708 |
| Return on Equity (ROE) | 2.9677% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.9677% | 4,148 |
| Net charge-offs to loans | 0.1646% | 1,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.6791% | 3,469 |
| Efficiency ratio | 94.7910% | 487 |
| Assets per employee ($millions) | 4.3628% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9386% | 1,091 |
| Loan loss allowance to noncurrent loans | 142.5378% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9434% | 2,647 |
| Noncurrent loans to loans | 1.3600% | 1,985 |
| Net loans and leases to total assets | 66.1491% | 2,925 |
| Net loans and leases to deposits | 86.0140% | 2,052 |
| Net loans and leases to core deposits | 89.3811% | 2,406 |
| Total domestic deposits to total assets | 76.9051% | 5,471 |
| Equity capital to assets | 8.9612% | 5,273 |
| Core capital (leverage) ratio | 9.4405% | 4,357 |
| Tier 1 risk-based capital ratio | 13.5607% | 4,187 |
| Total risk-based capital ratio | 14.8196% | 4,108 |
| Memoranda: | ||
| Average total assets | $327,543,670 | 2,033 |
| Average earning assets | $311,867,670 | 1,967 |
| Average equity | $29,787,670 | 2,355 |
| Average total loans | $227,173,000 | 1,905 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 2,500 |
| Cost of funding earning assets | 0.6817% | 939 |
| Net interest margin | 3.5083% | 3,402 |
| Noninterest income to average assets | 0.4805% | 3,420 |
| Noninterest expense to average assets | 3.4651% | 1,381 |
| Loan and lease loss provision to assets | 0.2703% | 577 |
| Net operating income to assets | 0.0651% | 5,937 |
| Return on assets (ROA) | 0.1782% | 5,806 |
| Pretax return on assets | 0.1782% | 5,853 |
| Return on Equity (ROE) | 1.9447% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.9447% | 4,696 |
| Net charge-offs to loans | 0.4176% | 585 |
| Credit loss provision to net charge-offs | 92.0502% | 1,731 |
| Earnings coverage of net charge-offs (x) | 1.1423% | 2,961 |
| Efficiency ratio | 91.1736% | 766 |
| Assets per employee ($millions) | 4.2484% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9933% | 1,093 |
| Loan loss allowance to noncurrent loans | 63.6158% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 2.2575% | 1,004 |
| Noncurrent loans to loans | 3.1333% | 666 |
| Net loans and leases to total assets | 69.5026% | 2,201 |
| Net loans and leases to deposits | 94.7316% | 918 |
| Net loans and leases to core deposits | 100.8521% | 1,264 |
| Total domestic deposits to total assets | 73.3679% | 5,951 |
| Equity capital to assets | 9.5146% | 4,735 |
| Core capital (leverage) ratio | 9.1999% | 4,711 |
| Tier 1 risk-based capital ratio | 14.0026% | 4,016 |
| Total risk-based capital ratio | 15.2633% | 3,926 |
| Memoranda: | ||
| Average total assets | $325,528,000 | 2,045 |
| Average earning assets | $308,070,000 | 2,000 |
| Average equity | $29,825,000 | 2,367 |
| Average total loans | $228,924,500 | 1,880 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 3,323 |
| Cost of funding earning assets | 0.6812% | 1,204 |
| Net interest margin | 3.4202% | 4,108 |
| Noninterest income to average assets | 0.4347% | 3,934 |
| Noninterest expense to average assets | 3.7651% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0530% | 6,127 |
| Return on assets (ROA) | 0.0726% | 6,016 |
| Pretax return on assets | 0.0726% | 6,020 |
| Return on Equity (ROE) | 0.8504% | 5,986 |
| Retained earnings to average equity (ytd only) | 0.8504% | 5,391 |
| Net charge-offs to loans | 0.2840% | 1,529 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.2763% | 4,743 |
| Efficiency ratio | 101.4285% | 338 |
| Assets per employee ($millions) | 4.4923% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9505% | 1,200 |
| Loan loss allowance to noncurrent loans | 57.1736% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 2.4610% | 941 |
| Noncurrent loans to loans | 3.4115% | 615 |
| Net loans and leases to total assets | 68.3960% | 2,502 |
| Net loans and leases to deposits | 90.8665% | 1,418 |
| Net loans and leases to core deposits | 95.8715% | 1,733 |
| Total domestic deposits to total assets | 75.2708% | 5,827 |
| Equity capital to assets | 8.8241% | 5,461 |
| Core capital (leverage) ratio | 9.3924% | 4,397 |
| Tier 1 risk-based capital ratio | 13.9657% | 4,116 |
| Total risk-based capital ratio | 15.2270% | 4,033 |
| Memoranda: | ||
| Average total assets | $322,492,000 | 2,011 |
| Average earning assets | $309,016,000 | 1,946 |
| Average equity | $27,516,400 | 2,446 |
| Average total loans | $217,952,600 | 1,918 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 3,426 |
| Cost of funding earning assets | 0.6853% | 1,228 |
| Net interest margin | 3.4025% | 4,232 |
| Noninterest income to average assets | 0.4437% | 3,932 |
| Noninterest expense to average assets | 3.8748% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.1604% | 6,253 |
| Return on assets (ROA) | -0.0167% | 6,168 |
| Pretax return on assets | -0.0167% | 6,155 |
| Return on Equity (ROE) | -0.1971% | 6,172 |
| Retained earnings to average equity (ytd only) | -0.1971% | 5,835 |
| Net charge-offs to loans | 0.3718% | 1,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.6438% | 4,511 |
| Efficiency ratio | 104.3186% | 289 |
| Assets per employee ($millions) | 4.2135% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0476% | 1,168 |
| Loan loss allowance to noncurrent loans | 111.0731% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3303% | 2,322 |
| Noncurrent loans to loans | 1.8435% | 1,734 |
| Net loans and leases to total assets | 68.7867% | 2,417 |
| Net loans and leases to deposits | 92.9664% | 1,134 |
| Net loans and leases to core deposits | 99.7659% | 1,388 |
| Total domestic deposits to total assets | 73.9909% | 6,015 |
| Equity capital to assets | 9.0351% | 5,314 |
| Core capital (leverage) ratio | 9.4295% | 4,467 |
| Tier 1 risk-based capital ratio | 14.6519% | 3,785 |
| Total risk-based capital ratio | 15.9148% | 3,721 |
| Memoranda: | ||
| Average total assets | $320,007,750 | 2,044 |
| Average earning assets | $307,613,000 | 1,962 |
| Average equity | $27,062,000 | 2,486 |
| Average total loans | $214,468,000 | 1,953 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,575 |
| Cost of funding earning assets | 0.6859% | 1,266 |
| Net interest margin | 3.3574% | 4,366 |
| Noninterest income to average assets | 0.3709% | 4,470 |
| Noninterest expense to average assets | 3.8551% | 901 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2577% | 6,348 |
| Return on assets (ROA) | -0.0666% | 6,249 |
| Pretax return on assets | -0.0666% | 6,235 |
| Return on Equity (ROE) | -0.8056% | 6,263 |
| Retained earnings to average equity (ytd only) | -0.8056% | 5,828 |
| Net charge-offs to loans | 0.6680% | 574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.5847% | 4,182 |
| Efficiency ratio | 107.1626% | 274 |
| Assets per employee ($millions) | 3.9684% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9790% | 1,401 |
| Loan loss allowance to noncurrent loans | 82.1263% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.9780% | 1,624 |
| Noncurrent loans to loans | 2.4097% | 1,309 |
| Net loans and leases to total assets | 70.0530% | 2,075 |
| Net loans and leases to deposits | 94.2687% | 939 |
| Net loans and leases to core deposits | 100.8231% | 1,217 |
| Total domestic deposits to total assets | 74.3120% | 6,082 |
| Equity capital to assets | 8.8641% | 5,454 |
| Core capital (leverage) ratio | 9.1589% | 4,808 |
| Tier 1 risk-based capital ratio | 14.0917% | 4,203 |
| Total risk-based capital ratio | 15.3536% | 4,124 |
| Memoranda: | ||
| Average total assets | $321,339,330 | 2,035 |
| Average earning assets | $308,813,670 | 1,954 |
| Average equity | $26,565,330 | 2,517 |
| Average total loans | $211,984,330 | 1,965 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 3,951 |
| Cost of funding earning assets | 0.6887% | 1,314 |
| Net interest margin | 3.2449% | 4,759 |
| Noninterest income to average assets | 0.3640% | 4,480 |
| Noninterest expense to average assets | 3.9366% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4550% | 6,456 |
| Return on assets (ROA) | -0.2533% | 6,384 |
| Pretax return on assets | -0.2533% | 6,369 |
| Return on Equity (ROE) | -3.1749% | 6,412 |
| Retained earnings to average equity (ytd only) | -3.1749% | 5,979 |
| Net charge-offs to loans | 0.4059% | 894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.7703% | 3,531 |
| Efficiency ratio | 113.0696% | 237 |
| Assets per employee ($millions) | 3.9702% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3208% | 995 |
| Loan loss allowance to noncurrent loans | 85.7317% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.9986% | 1,714 |
| Noncurrent loans to loans | 2.7070% | 1,247 |
| Net loans and leases to total assets | 63.0064% | 3,072 |
| Net loans and leases to deposits | 87.9644% | 1,365 |
| Net loans and leases to core deposits | 97.4546% | 1,282 |
| Total domestic deposits to total assets | 71.6272% | 6,380 |
| Equity capital to assets | 8.1085% | 5,969 |
| Core capital (leverage) ratio | 8.6991% | 5,382 |
| Tier 1 risk-based capital ratio | 14.5689% | 3,965 |
| Total risk-based capital ratio | 15.8347% | 3,905 |
| Memoranda: | ||
| Average total assets | $325,259,000 | 2,009 |
| Average earning assets | $312,492,500 | 1,929 |
| Average equity | $25,953,500 | 2,558 |
| Average total loans | $205,951,500 | 2,005 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 4,139 |
| Cost of funding earning assets | 0.6807% | 1,953 |
| Net interest margin | 3.3022% | 4,656 |
| Noninterest income to average assets | 1.0900% | 1,186 |
| Noninterest expense to average assets | 4.0746% | 803 |
| Loan and lease loss provision to assets | 0.8062% | 264 |
| Net operating income to assets | -0.6206% | 6,530 |
| Return on assets (ROA) | -0.4857% | 6,498 |
| Pretax return on assets | -0.4857% | 6,481 |
| Return on Equity (ROE) | -6.1622% | 6,513 |
| Retained earnings to average equity (ytd only) | -6.1622% | 6,421 |
| Net charge-offs to loans | 2.0526% | 179 |
| Credit loss provision to net charge-offs | 61.6569% | 3,511 |
| Earnings coverage of net charge-offs (x) | 0.1420% | 5,035 |
| Efficiency ratio | 95.6421% | 659 |
| Assets per employee ($millions) | 3.7324% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5794% | 744 |
| Loan loss allowance to noncurrent loans | 81.9965% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 2.2132% | 1,615 |
| Noncurrent loans to loans | 3.1458% | 1,090 |
| Net loans and leases to total assets | 60.5016% | 3,626 |
| Net loans and leases to deposits | 82.0086% | 2,178 |
| Net loans and leases to core deposits | 91.3003% | 1,876 |
| Total domestic deposits to total assets | 73.7747% | 6,295 |
| Equity capital to assets | 7.8467% | 6,119 |
| Core capital (leverage) ratio | 8.9425% | 5,089 |
| Tier 1 risk-based capital ratio | 15.6403% | 3,286 |
| Total risk-based capital ratio | 16.9100% | 3,232 |
| Memoranda: | ||
| Average total assets | $312,938,800 | 2,057 |
| Average earning assets | $300,432,400 | 1,978 |
| Average equity | $24,666,400 | 2,658 |
| Average total loans | $199,356,400 | 2,004 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 3,958 |
| Cost of funding earning assets | 0.6713% | 2,165 |
| Net interest margin | 3.3728% | 4,389 |
| Noninterest income to average assets | 1.3340% | 828 |
| Noninterest expense to average assets | 4.1046% | 761 |
| Loan and lease loss provision to assets | 1.0823% | 142 |
| Net operating income to assets | -0.6166% | 6,630 |
| Return on assets (ROA) | -0.4575% | 6,595 |
| Pretax return on assets | -0.4575% | 6,581 |
| Return on Equity (ROE) | -5.7981% | 6,616 |
| Retained earnings to average equity (ytd only) | -5.7981% | 6,526 |
| Net charge-offs to loans | 2.6698% | 106 |
| Credit loss provision to net charge-offs | 63.2265% | 3,222 |
| Earnings coverage of net charge-offs (x) | 0.2720% | 4,772 |
| Efficiency ratio | 89.8105% | 1,009 |
| Assets per employee ($millions) | 3.7576% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6865% | 752 |
| Loan loss allowance to noncurrent loans | 82.0372% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.2355% | 1,777 |
| Noncurrent loans to loans | 3.2747% | 1,194 |
| Net loans and leases to total assets | 58.7704% | 3,884 |
| Net loans and leases to deposits | 77.8995% | 2,682 |
| Net loans and leases to core deposits | 87.8567% | 2,210 |
| Total domestic deposits to total assets | 75.4439% | 6,231 |
| Equity capital to assets | 7.6632% | 6,323 |
| Core capital (leverage) ratio | 8.8086% | 5,402 |
| Tier 1 risk-based capital ratio | 15.5314% | 3,454 |
| Total risk-based capital ratio | 16.8032% | 3,405 |
| Memoranda: | ||
| Average total assets | $310,926,500 | 2,081 |
| Average earning assets | $298,340,500 | 1,996 |
| Average equity | $24,536,250 | 2,710 |
| Average total loans | $199,359,250 | 2,005 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 3,597 |
| Cost of funding earning assets | 0.6676% | 2,336 |
| Net interest margin | 3.4692% | 3,931 |
| Noninterest income to average assets | 0.4230% | 4,357 |
| Noninterest expense to average assets | 4.1180% | 762 |
| Loan and lease loss provision to assets | 1.6444% | 74 |
| Net operating income to assets | -2.0134% | 6,849 |
| Return on assets (ROA) | -1.7715% | 6,839 |
| Pretax return on assets | -1.7715% | 6,829 |
| Return on Equity (ROE) | -22.2237% | 6,838 |
| Retained earnings to average equity (ytd only) | -22.2237% | 6,815 |
| Net charge-offs to loans | 3.9670% | 58 |
| Credit loss provision to net charge-offs | 63.3601% | 2,956 |
| Earnings coverage of net charge-offs (x) | -0.1421% | 4,598 |
| Efficiency ratio | 109.8401% | 278 |
| Assets per employee ($millions) | 3.6251% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7162% | 781 |
| Loan loss allowance to noncurrent loans | 63.8541% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.8955% | 1,413 |
| Noncurrent loans to loans | 4.2538% | 867 |
| Net loans and leases to total assets | 60.3361% | 3,602 |
| Net loans and leases to deposits | 81.8072% | 2,081 |
| Net loans and leases to core deposits | 92.6767% | 1,640 |
| Total domestic deposits to total assets | 73.7540% | 6,458 |
| Equity capital to assets | 7.2353% | 6,533 |
| Core capital (leverage) ratio | 8.0511% | 6,145 |
| Tier 1 risk-based capital ratio | 14.2504% | 4,258 |
| Total risk-based capital ratio | 15.5224% | 4,195 |
| Memoranda: | ||
| Average total assets | $306,850,670 | 2,110 |
| Average earning assets | $294,192,670 | 2,015 |
| Average equity | $24,460,330 | 2,722 |
| Average total loans | $200,758,330 | 2,008 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 3,669 |
| Cost of funding earning assets | 0.6588% | 2,571 |
| Net interest margin | 3.4545% | 3,882 |
| Noninterest income to average assets | 0.4061% | 4,413 |
| Noninterest expense to average assets | 4.0132% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2930% | 6,572 |
| Return on assets (ROA) | 0.1735% | 6,072 |
| Pretax return on assets | 0.1735% | 6,127 |
| Return on Equity (ROE) | 2.0778% | 5,916 |
| Retained earnings to average equity (ytd only) | 2.0778% | 4,969 |
| Net charge-offs to loans | -0.1643% | 6,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8771% | 359 |
| Assets per employee ($millions) | 3.5746% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3443% | 479 |
| Loan loss allowance to noncurrent loans | 60.7564% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 4.0664% | 970 |
| Noncurrent loans to loans | 5.5045% | 652 |
| Net loans and leases to total assets | 63.1487% | 2,864 |
| Net loans and leases to deposits | 88.7724% | 1,073 |
| Net loans and leases to core deposits | 100.3341% | 927 |
| Total domestic deposits to total assets | 71.1355% | 6,699 |
| Equity capital to assets | 8.1363% | 6,306 |
| Core capital (leverage) ratio | 8.3823% | 5,732 |
| Tier 1 risk-based capital ratio | 13.5552% | 4,831 |
| Total risk-based capital ratio | 14.8355% | 4,770 |
| Memoranda: | ||
| Average total assets | $304,395,000 | 2,156 |
| Average earning assets | $292,025,500 | 2,066 |
| Average equity | $25,412,000 | 2,670 |
| Average total loans | $204,459,000 | 1,991 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 3,401 |
| Cost of funding earning assets | 0.8893% | 1,993 |
| Net interest margin | 3.6081% | 4,047 |
| Noninterest income to average assets | 0.0368% | 6,731 |
| Noninterest expense to average assets | 4.3000% | 681 |
| Loan and lease loss provision to assets | 1.1706% | 309 |
| Net operating income to assets | -1.9925% | 6,924 |
| Return on assets (ROA) | -1.6859% | 6,908 |
| Pretax return on assets | -1.6859% | 6,892 |
| Return on Equity (ROE) | -18.9867% | 6,868 |
| Retained earnings to average equity (ytd only) | -18.9867% | 6,831 |
| Net charge-offs to loans | 0.4277% | 2,525 |
| Credit loss provision to net charge-offs | 395.8482% | 613 |
| Earnings coverage of net charge-offs (x) | -2.7794% | 5,864 |
| Efficiency ratio | 123.6309% | 185 |
| Assets per employee ($millions) | 3.6766% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2619% | 525 |
| Loan loss allowance to noncurrent loans | 138.5711% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 2.1222% | 2,305 |
| Noncurrent loans to loans | 2.3540% | 2,283 |
| Net loans and leases to total assets | 66.8320% | 2,395 |
| Net loans and leases to deposits | 91.3710% | 959 |
| Net loans and leases to core deposits | 105.5085% | 714 |
| Total domestic deposits to total assets | 73.1436% | 6,605 |
| Equity capital to assets | 8.5698% | 5,988 |
| Core capital (leverage) ratio | 8.6894% | 5,342 |
| Tier 1 risk-based capital ratio | 13.8723% | 4,474 |
| Total risk-based capital ratio | 15.1532% | 4,412 |
| Memoranda: | ||
| Average total assets | $285,069,600 | 2,236 |
| Average earning assets | $271,887,800 | 2,146 |
| Average equity | $25,312,400 | 2,627 |
| Average total loans | $197,104,400 | 2,029 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 3,682 |
| Cost of funding earning assets | 0.9400% | 1,914 |
| Net interest margin | 3.5480% | 4,449 |
| Noninterest income to average assets | 0.0870% | 6,665 |
| Noninterest expense to average assets | 4.1500% | 772 |
| Loan and lease loss provision to assets | 0.3098% | 2,130 |
| Net operating income to assets | -0.9933% | 6,859 |
| Return on assets (ROA) | -0.6206% | 6,770 |
| Pretax return on assets | -0.6206% | 6,748 |
| Return on Equity (ROE) | -6.9251% | 6,784 |
| Retained earnings to average equity (ytd only) | -6.9251% | 6,713 |
| Net charge-offs to loans | 0.4664% | 2,239 |
| Credit loss provision to net charge-offs | 96.0411% | 3,104 |
| Earnings coverage of net charge-offs (x) | -2.1188% | 5,654 |
| Efficiency ratio | 119.7162% | 196 |
| Assets per employee ($millions) | 3.8358% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 2,014 |
| Loan loss allowance to noncurrent loans | 80.9193% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 2.4102% | 2,203 |
| Noncurrent loans to loans | 2.5430% | 2,245 |
| Net loans and leases to total assets | 68.4108% | 2,232 |
| Net loans and leases to deposits | 93.3656% | 839 |
| Net loans and leases to core deposits | 110.4833% | 548 |
| Total domestic deposits to total assets | 73.2719% | 6,660 |
| Equity capital to assets | 8.9786% | 5,844 |
| Core capital (leverage) ratio | 9.0982% | 4,916 |
| Tier 1 risk-based capital ratio | 14.5295% | 4,167 |
| Total risk-based capital ratio | 15.7937% | 4,125 |
| Memoranda: | ||
| Average total assets | $281,886,500 | 2,284 |
| Average earning assets | $268,504,750 | 2,192 |
| Average equity | $25,260,250 | 2,654 |
| Average total loans | $194,946,000 | 2,077 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 3,929 |
| Cost of funding earning assets | 1.0129% | 1,689 |
| Net interest margin | 3.4498% | 4,881 |
| Noninterest income to average assets | -0.1148% | 7,103 |
| Noninterest expense to average assets | 4.1044% | 832 |
| Loan and lease loss provision to assets | 0.4701% | 1,359 |
| Net operating income to assets | -1.4066% | 7,001 |
| Return on assets (ROA) | -0.9603% | 6,916 |
| Pretax return on assets | -0.9603% | 6,886 |
| Return on Equity (ROE) | -10.7230% | 6,919 |
| Retained earnings to average equity (ytd only) | -10.7230% | 6,852 |
| Net charge-offs to loans | 0.6717% | 1,644 |
| Credit loss provision to net charge-offs | 101.5504% | 2,676 |
| Earnings coverage of net charge-offs (x) | -2.0233% | 5,381 |
| Efficiency ratio | 129.5650% | 164 |
| Assets per employee ($millions) | 3.6524% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0974% | 2,009 |
| Loan loss allowance to noncurrent loans | 82.1574% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 3.1999% | 1,705 |
| Noncurrent loans to loans | 2.5529% | 2,361 |
| Net loans and leases to total assets | 69.2590% | 2,061 |
| Net loans and leases to deposits | 92.7278% | 867 |
| Net loans and leases to core deposits | 111.6203% | 516 |
| Total domestic deposits to total assets | 74.6907% | 6,614 |
| Equity capital to assets | 9.1535% | 5,516 |
| Core capital (leverage) ratio | 9.1727% | 4,652 |
| Tier 1 risk-based capital ratio | 14.3024% | 4,239 |
| Total risk-based capital ratio | 15.5667% | 4,191 |
| Memoranda: | ||
| Average total assets | $278,676,330 | 2,305 |
| Average earning assets | $265,175,670 | 2,221 |
| Average equity | $24,955,670 | 2,676 |
| Average total loans | $192,055,000 | 2,102 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 4,514 |
| Cost of funding earning assets | 1.0715% | 1,542 |
| Net interest margin | 3.2801% | 5,531 |
| Noninterest income to average assets | 0.4093% | 4,602 |
| Noninterest expense to average assets | 4.3386% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.8056% | 6,955 |
| Return on assets (ROA) | -0.5051% | 6,856 |
| Pretax return on assets | -0.5051% | 6,830 |
| Return on Equity (ROE) | -5.7061% | 6,874 |
| Retained earnings to average equity (ytd only) | -5.7061% | 6,634 |
| Net charge-offs to loans | 0.1068% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -11.1000% | 4,693 |
| Efficiency ratio | 122.8020% | 196 |
| Assets per employee ($millions) | 3.8587% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1258% | 2,036 |
| Loan loss allowance to noncurrent loans | 51.8994% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 3.3978% | 1,694 |
| Noncurrent loans to loans | 4.0961% | 1,482 |
| Net loans and leases to total assets | 68.1082% | 2,095 |
| Net loans and leases to deposits | 90.1453% | 952 |
| Net loans and leases to core deposits | 111.7050% | 480 |
| Total domestic deposits to total assets | 75.5538% | 6,590 |
| Equity capital to assets | 8.7726% | 5,787 |
| Core capital (leverage) ratio | 9.1073% | 4,671 |
| Tier 1 risk-based capital ratio | 14.8375% | 3,865 |
| Total risk-based capital ratio | 16.1052% | 3,821 |
| Memoranda: | ||
| Average total assets | $275,571,000 | 2,343 |
| Average earning assets | $262,434,000 | 2,260 |
| Average equity | $24,395,000 | 2,729 |
| Average total loans | $187,314,000 | 2,148 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 4,478 |
| Cost of funding earning assets | 1.2720% | 1,607 |
| Net interest margin | 3.3717% | 5,573 |
| Noninterest income to average assets | 0.1496% | 6,399 |
| Noninterest expense to average assets | 4.8975% | 407 |
| Loan and lease loss provision to assets | 0.4060% | 2,560 |
| Net operating income to assets | -1.9755% | 7,026 |
| Return on assets (ROA) | -1.9635% | 7,029 |
| Pretax return on assets | -1.9635% | 7,013 |
| Return on Equity (ROE) | -21.9439% | 7,008 |
| Retained earnings to average equity (ytd only) | -21.9439% | 6,994 |
| Net charge-offs to loans | 0.8147% | 2,119 |
| Credit loss provision to net charge-offs | 70.1872% | 4,842 |
| Earnings coverage of net charge-offs (x) | -2.7132% | 6,313 |
| Efficiency ratio | 147.1593% | 152 |
| Assets per employee ($millions) | 3.7425% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3610% | 1,524 |
| Loan loss allowance to noncurrent loans | 54.0710% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 3.4666% | 1,712 |
| Noncurrent loans to loans | 4.3665% | 1,383 |
| Net loans and leases to total assets | 64.7203% | 3,039 |
| Net loans and leases to deposits | 81.9305% | 2,212 |
| Net loans and leases to core deposits | 109.9404% | 624 |
| Total domestic deposits to total assets | 78.9941% | 5,997 |
| Equity capital to assets | 8.9361% | 5,625 |
| Core capital (leverage) ratio | 9.2872% | 4,350 |
| Tier 1 risk-based capital ratio | 16.4691% | 2,834 |
| Total risk-based capital ratio | 17.7412% | 2,791 |
| Memoranda: | ||
| Average total assets | $258,623,400 | 2,438 |
| Average earning assets | $243,796,200 | 2,361 |
| Average equity | $23,140,800 | 2,763 |
| Average total loans | $183,618,000 | 2,188 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 4,143 |
| Cost of funding earning assets | 1.3048% | 1,672 |
| Net interest margin | 3.4645% | 5,341 |
| Noninterest income to average assets | 0.0979% | 6,760 |
| Noninterest expense to average assets | 4.9359% | 396 |
| Loan and lease loss provision to assets | 0.5012% | 1,975 |
| Net operating income to assets | -2.0788% | 7,147 |
| Return on assets (ROA) | -2.0741% | 7,159 |
| Pretax return on assets | -2.0741% | 7,138 |
| Return on Equity (ROE) | -23.1721% | 7,142 |
| Retained earnings to average equity (ytd only) | -23.1721% | 7,131 |
| Net charge-offs to loans | 0.7039% | 2,151 |
| Credit loss provision to net charge-offs | 98.5656% | 3,467 |
| Earnings coverage of net charge-offs (x) | -3.1025% | 6,064 |
| Efficiency ratio | 146.9749% | 151 |
| Assets per employee ($millions) | 3.2030% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5445% | 1,335 |
| Loan loss allowance to noncurrent loans | 53.2227% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 4.4536% | 1,347 |
| Noncurrent loans to loans | 4.7808% | 1,348 |
| Net loans and leases to total assets | 69.4887% | 2,181 |
| Net loans and leases to deposits | 88.9535% | 1,326 |
| Net loans and leases to core deposits | 124.7591% | 300 |
| Total domestic deposits to total assets | 78.1180% | 6,172 |
| Equity capital to assets | 9.1854% | 5,531 |
| Core capital (leverage) ratio | 9.0789% | 4,813 |
| Tier 1 risk-based capital ratio | 15.3740% | 3,445 |
| Total risk-based capital ratio | 16.6478% | 3,413 |
| Memoranda: | ||
| Average total assets | $255,914,750 | 2,473 |
| Average earning assets | $240,840,000 | 2,403 |
| Average equity | $22,906,250 | 2,790 |
| Average total loans | $184,869,750 | 2,200 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7837% | 4,156 |
| Cost of funding earning assets | 1.3274% | 1,780 |
| Net interest margin | 3.4563% | 5,335 |
| Noninterest income to average assets | -0.0704% | 7,272 |
| Noninterest expense to average assets | 4.7614% | 454 |
| Loan and lease loss provision to assets | 0.4058% | 2,404 |
| Net operating income to assets | -1.9742% | 7,186 |
| Return on assets (ROA) | -1.9546% | 7,186 |
| Pretax return on assets | -1.9546% | 7,155 |
| Return on Equity (ROE) | -22.0303% | 7,169 |
| Retained earnings to average equity (ytd only) | -22.0303% | 7,156 |
| Net charge-offs to loans | 0.7393% | 2,027 |
| Credit loss provision to net charge-offs | 75.6560% | 3,895 |
| Earnings coverage of net charge-offs (x) | -2.9242% | 5,750 |
| Efficiency ratio | 149.1185% | 160 |
| Assets per employee ($millions) | 3.1647% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4650% | 1,503 |
| Loan loss allowance to noncurrent loans | 44.1564% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 5.1869% | 1,174 |
| Noncurrent loans to loans | 5.5824% | 1,122 |
| Net loans and leases to total assets | 69.4006% | 2,341 |
| Net loans and leases to deposits | 88.5194% | 1,430 |
| Net loans and leases to core deposits | 122.6152% | 367 |
| Total domestic deposits to total assets | 78.4016% | 6,214 |
| Equity capital to assets | 9.0743% | 5,475 |
| Core capital (leverage) ratio | 9.0884% | 4,594 |
| Tier 1 risk-based capital ratio | 15.1822% | 3,403 |
| Total risk-based capital ratio | 16.4539% | 3,359 |
| Memoranda: | ||
| Average total assets | $255,805,330 | 2,488 |
| Average earning assets | $241,528,330 | 2,412 |
| Average equity | $22,696,000 | 2,792 |
| Average total loans | $185,590,000 | 2,216 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 4,265 |
| Cost of funding earning assets | 1.3602% | 1,829 |
| Net interest margin | 3.3964% | 5,442 |
| Noninterest income to average assets | 0.5447% | 3,544 |
| Noninterest expense to average assets | 4.8650% | 407 |
| Loan and lease loss provision to assets | 0.2614% | 3,044 |
| Net operating income to assets | -1.3806% | 7,156 |
| Return on assets (ROA) | -1.3337% | 7,151 |
| Pretax return on assets | -1.3337% | 7,108 |
| Return on Equity (ROE) | -15.2051% | 7,150 |
| Retained earnings to average equity (ytd only) | -15.2051% | 7,050 |
| Net charge-offs to loans | 0.9680% | 1,388 |
| Credit loss provision to net charge-offs | 36.8653% | 4,004 |
| Earnings coverage of net charge-offs (x) | -1.5784% | 4,940 |
| Efficiency ratio | 129.8788% | 261 |
| Assets per employee ($millions) | 3.3111% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3146% | 1,737 |
| Loan loss allowance to noncurrent loans | 30.2446% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 5.9973% | 967 |
| Noncurrent loans to loans | 7.6528% | 674 |
| Net loans and leases to total assets | 71.5269% | 1,808 |
| Net loans and leases to deposits | 92.8731% | 932 |
| Net loans and leases to core deposits | 131.6507% | 254 |
| Total domestic deposits to total assets | 77.0157% | 6,537 |
| Equity capital to assets | 8.6534% | 5,710 |
| Core capital (leverage) ratio | 9.0329% | 4,563 |
| Tier 1 risk-based capital ratio | 14.7541% | 3,575 |
| Total risk-based capital ratio | 16.0253% | 3,525 |
| Memoranda: | ||
| Average total assets | $255,539,000 | 2,516 |
| Average earning assets | $240,844,000 | 2,439 |
| Average equity | $22,413,500 | 2,811 |
| Average total loans | $187,187,000 | 2,219 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7973% | 5,415 |
| Cost of funding earning assets | 1.5975% | 2,084 |
| Net interest margin | 3.1998% | 6,273 |
| Noninterest income to average assets | 0.3543% | 5,276 |
| Noninterest expense to average assets | 5.2104% | 362 |
| Loan and lease loss provision to assets | 1.2954% | 1,190 |
| Net operating income to assets | -3.1471% | 7,327 |
| Return on assets (ROA) | -3.0889% | 7,331 |
| Pretax return on assets | -3.0889% | 7,312 |
| Return on Equity (ROE) | -34.1810% | 7,285 |
| Retained earnings to average equity (ytd only) | -34.1810% | 7,274 |
| Net charge-offs to loans | 2.8875% | 594 |
| Credit loss provision to net charge-offs | 61.2299% | 6,063 |
| Earnings coverage of net charge-offs (x) | -0.8753% | 6,572 |
| Efficiency ratio | 155.1313% | 186 |
| Assets per employee ($millions) | 3.2412% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5164% | 1,394 |
| Loan loss allowance to noncurrent loans | 38.5098% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 7.3130% | 729 |
| Noncurrent loans to loans | 6.5344% | 914 |
| Net loans and leases to total assets | 71.4386% | 2,211 |
| Net loans and leases to deposits | 94.3284% | 1,031 |
| Net loans and leases to core deposits | 162.3407% | 135 |
| Total domestic deposits to total assets | 75.7340% | 6,665 |
| Equity capital to assets | 8.8913% | 5,300 |
| Core capital (leverage) ratio | 9.0162% | 4,519 |
| Tier 1 risk-based capital ratio | 14.6073% | 3,475 |
| Total risk-based capital ratio | 15.8799% | 3,425 |
| Memoranda: | ||
| Average total assets | $269,805,200 | 2,360 |
| Average earning assets | $253,328,800 | 2,311 |
| Average equity | $24,382,000 | 2,620 |
| Average total loans | $197,683,000 | 2,179 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 5,437 |
| Cost of funding earning assets | 1.6417% | 2,152 |
| Net interest margin | 3.2182% | 6,279 |
| Noninterest income to average assets | 0.3795% | 5,116 |
| Noninterest expense to average assets | 5.1161% | 344 |
| Loan and lease loss provision to assets | 1.4571% | 924 |
| Net operating income to assets | -3.1657% | 7,476 |
| Return on assets (ROA) | -3.0266% | 7,466 |
| Pretax return on assets | -3.0266% | 7,430 |
| Return on Equity (ROE) | -33.3674% | 7,435 |
| Retained earnings to average equity (ytd only) | -33.3674% | 7,430 |
| Net charge-offs to loans | 3.0207% | 504 |
| Credit loss provision to net charge-offs | 65.8386% | 5,538 |
| Earnings coverage of net charge-offs (x) | -0.7720% | 6,409 |
| Efficiency ratio | 150.1428% | 205 |
| Assets per employee ($millions) | 2.9840% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8271% | 983 |
| Loan loss allowance to noncurrent loans | 44.3011% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 7.3412% | 725 |
| Noncurrent loans to loans | 6.3816% | 942 |
| Net loans and leases to total assets | 69.6502% | 2,819 |
| Net loans and leases to deposits | 96.2645% | 950 |
| Net loans and leases to core deposits | 157.7439% | 158 |
| Total domestic deposits to total assets | 72.3529% | 7,101 |
| Equity capital to assets | 8.9974% | 5,586 |
| Core capital (leverage) ratio | 9.0620% | 4,586 |
| Tier 1 risk-based capital ratio | 14.9022% | 3,300 |
| Total risk-based capital ratio | 16.1794% | 3,271 |
| Memoranda: | ||
| Average total assets | $274,054,000 | 2,356 |
| Average earning assets | $257,858,750 | 2,304 |
| Average equity | $24,858,000 | 2,605 |
| Average total loans | $200,787,250 | 2,180 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 5,509 |
| Cost of funding earning assets | 1.6701% | 2,286 |
| Net interest margin | 3.2040% | 6,307 |
| Noninterest income to average assets | 0.4758% | 4,310 |
| Noninterest expense to average assets | 5.2585% | 315 |
| Loan and lease loss provision to assets | 1.5690% | 836 |
| Net operating income to assets | -3.3223% | 7,552 |
| Return on assets (ROA) | -3.1158% | 7,527 |
| Pretax return on assets | -3.1158% | 7,488 |
| Return on Equity (ROE) | -34.2638% | 7,479 |
| Retained earnings to average equity (ytd only) | -34.2638% | 7,469 |
| Net charge-offs to loans | 3.4989% | 420 |
| Credit loss provision to net charge-offs | 60.7920% | 5,190 |
| Earnings coverage of net charge-offs (x) | -0.6793% | 6,066 |
| Efficiency ratio | 150.0205% | 206 |
| Assets per employee ($millions) | 2.9707% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7289% | 1,058 |
| Loan loss allowance to noncurrent loans | 32.6507% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 6.7731% | 798 |
| Noncurrent loans to loans | 8.3579% | 606 |
| Net loans and leases to total assets | 72.9119% | 2,188 |
| Net loans and leases to deposits | 98.8931% | 807 |
| Net loans and leases to core deposits | 170.0121% | 137 |
| Total domestic deposits to total assets | 73.7280% | 7,005 |
| Equity capital to assets | 9.1156% | 5,270 |
| Core capital (leverage) ratio | 9.0562% | 4,513 |
| Tier 1 risk-based capital ratio | 14.8536% | 3,236 |
| Total risk-based capital ratio | 16.1299% | 3,191 |
| Memoranda: | ||
| Average total assets | $277,876,000 | 2,348 |
| Average earning assets | $262,731,670 | 2,278 |
| Average equity | $25,268,670 | 2,565 |
| Average total loans | $204,978,330 | 2,170 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 4,485 |
| Cost of funding earning assets | 1.6896% | 2,444 |
| Net interest margin | 3.4197% | 5,498 |
| Noninterest income to average assets | 0.5453% | 3,683 |
| Noninterest expense to average assets | 4.9518% | 380 |
| Loan and lease loss provision to assets | 0.7064% | 1,803 |
| Net operating income to assets | -1.8875% | 7,435 |
| Return on assets (ROA) | -1.8126% | 7,416 |
| Pretax return on assets | -1.8126% | 7,353 |
| Return on Equity (ROE) | -19.9557% | 7,435 |
| Retained earnings to average equity (ytd only) | -19.9557% | 7,366 |
| Net charge-offs to loans | 4.9715% | 243 |
| Credit loss provision to net charge-offs | 19.4099% | 4,953 |
| Earnings coverage of net charge-offs (x) | -0.3245% | 5,217 |
| Efficiency ratio | 131.3226% | 324 |
| Assets per employee ($millions) | 3.0362% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3517% | 1,493 |
| Loan loss allowance to noncurrent loans | 28.3545% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 6.4474% | 890 |
| Noncurrent loans to loans | 8.2939% | 636 |
| Net loans and leases to total assets | 72.1205% | 2,422 |
| Net loans and leases to deposits | 99.4942% | 792 |
| Net loans and leases to core deposits | 176.2059% | 144 |
| Total domestic deposits to total assets | 72.4871% | 7,217 |
| Equity capital to assets | 9.3089% | 4,822 |
| Core capital (leverage) ratio | 9.2420% | 4,154 |
| Tier 1 risk-based capital ratio | 14.5801% | 3,335 |
| Total risk-based capital ratio | 15.8486% | 3,284 |
| Memoranda: | ||
| Average total assets | $283,131,500 | 2,367 |
| Average earning assets | $267,039,500 | 2,303 |
| Average equity | $25,717,000 | 2,543 |
| Average total loans | $207,262,500 | 2,202 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2931% | 5,207 |
| Cost of funding earning assets | 2.4926% | 1,041 |
| Net interest margin | 2.8005% | 7,063 |
| Noninterest income to average assets | 0.4276% | 4,989 |
| Noninterest expense to average assets | 5.3975% | 414 |
| Loan and lease loss provision to assets | 1.8610% | 1,205 |
| Net operating income to assets | -4.2764% | 7,646 |
| Return on assets (ROA) | -4.1110% | 7,625 |
| Pretax return on assets | -4.0200% | 7,528 |
| Return on Equity (ROE) | -44.8299% | 7,626 |
| Retained earnings to average equity (ytd only) | -44.8299% | 7,614 |
| Net charge-offs to loans | 1.3275% | 1,879 |
| Credit loss provision to net charge-offs | 210.8475% | 1,821 |
| Earnings coverage of net charge-offs (x) | -2.6336% | 7,039 |
| Efficiency ratio | 175.6402% | 198 |
| Assets per employee ($millions) | 3.2581% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2667% | 621 |
| Loan loss allowance to noncurrent loans | 33.4468% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 7.4450% | 653 |
| Noncurrent loans to loans | 9.7667% | 431 |
| Net loans and leases to total assets | 70.2097% | 3,207 |
| Net loans and leases to deposits | 95.9370% | 1,339 |
| Net loans and leases to core deposits | 173.7770% | 211 |
| Total domestic deposits to total assets | 73.1832% | 7,133 |
| Equity capital to assets | 8.8679% | 5,327 |
| Core capital (leverage) ratio | 8.6221% | 5,062 |
| Tier 1 risk-based capital ratio | 14.1405% | 3,411 |
| Total risk-based capital ratio | 15.4213% | 3,353 |
| Memoranda: | ||
| Average total assets | $334,226,000 | 2,032 |
| Average earning assets | $315,734,000 | 1,976 |
| Average equity | $30,649,200 | 2,187 |
| Average total loans | $222,220,400 | 2,083 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 5,098 |
| Cost of funding earning assets | 2.6118% | 1,003 |
| Net interest margin | 2.7564% | 7,123 |
| Noninterest income to average assets | 0.4344% | 5,002 |
| Noninterest expense to average assets | 4.7908% | 570 |
| Loan and lease loss provision to assets | 1.2550% | 1,535 |
| Net operating income to assets | -2.7301% | 7,523 |
| Return on assets (ROA) | -2.6609% | 7,509 |
| Pretax return on assets | -2.9308% | 7,479 |
| Return on Equity (ROE) | -28.8171% | 7,579 |
| Retained earnings to average equity (ytd only) | -28.8171% | 7,568 |
| Net charge-offs to loans | 1.2382% | 1,649 |
| Credit loss provision to net charge-offs | 155.4280% | 3,073 |
| Earnings coverage of net charge-offs (x) | -2.1698% | 6,757 |
| Efficiency ratio | 157.6493% | 279 |
| Assets per employee ($millions) | 3.0797% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1934% | 1,438 |
| Loan loss allowance to noncurrent loans | 23.8893% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 6.2726% | 831 |
| Noncurrent loans to loans | 9.1815% | 478 |
| Net loans and leases to total assets | 65.0742% | 4,633 |
| Net loans and leases to deposits | 88.2674% | 2,909 |
| Net loans and leases to core deposits | 170.5996% | 267 |
| Total domestic deposits to total assets | 73.7239% | 7,002 |
| Equity capital to assets | 10.1131% | 3,946 |
| Core capital (leverage) ratio | 9.0314% | 4,601 |
| Tier 1 risk-based capital ratio | 15.5751% | 2,779 |
| Total risk-based capital ratio | 16.8306% | 2,712 |
| Memoranda: | ||
| Average total assets | $345,290,750 | 1,988 |
| Average earning assets | $326,260,000 | 1,922 |
| Average equity | $31,883,000 | 2,119 |
| Average total loans | $225,160,500 | 2,092 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4644% | 4,820 |
| Cost of funding earning assets | 2.6894% | 1,062 |
| Net interest margin | 2.7750% | 7,063 |
| Noninterest income to average assets | 0.3965% | 5,325 |
| Noninterest expense to average assets | 4.7211% | 631 |
| Loan and lease loss provision to assets | 1.0240% | 1,652 |
| Net operating income to assets | -2.3198% | 7,521 |
| Return on assets (ROA) | -2.2579% | 7,492 |
| Pretax return on assets | -2.6555% | 7,462 |
| Return on Equity (ROE) | -25.1952% | 7,632 |
| Retained earnings to average equity (ytd only) | -25.1952% | 7,595 |
| Net charge-offs to loans | 0.6145% | 2,502 |
| Credit loss provision to net charge-offs | 257.1429% | 1,810 |
| Earnings coverage of net charge-offs (x) | -4.2800% | 6,443 |
| Efficiency ratio | 156.4963% | 340 |
| Assets per employee ($millions) | 3.2734% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0988% | 1,397 |
| Loan loss allowance to noncurrent loans | 25.4531% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 5.4805% | 925 |
| Noncurrent loans to loans | 8.2458% | 519 |
| Net loans and leases to total assets | 62.0803% | 5,349 |
| Net loans and leases to deposits | 82.9281% | 4,053 |
| Net loans and leases to core deposits | 165.4592% | 379 |
| Total domestic deposits to total assets | 74.8604% | 6,787 |
| Equity capital to assets | 8.4871% | 6,066 |
| Core capital (leverage) ratio | 7.7695% | 6,649 |
| Tier 1 risk-based capital ratio | 13.8442% | 3,605 |
| Total risk-based capital ratio | 15.1082% | 3,536 |
| Memoranda: | ||
| Average total assets | $351,571,330 | 1,967 |
| Average earning assets | $331,965,000 | 1,906 |
| Average equity | $31,506,000 | 2,148 |
| Average total loans | $227,814,670 | 2,097 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7104% | 3,748 |
| Cost of funding earning assets | 2.7217% | 1,199 |
| Net interest margin | 2.9887% | 6,514 |
| Noninterest income to average assets | 0.4963% | 4,352 |
| Noninterest expense to average assets | 4.5352% | 687 |
| Loan and lease loss provision to assets | 1.1409% | 1,140 |
| Net operating income to assets | -1.5094% | 7,500 |
| Return on assets (ROA) | -1.4182% | 7,478 |
| Pretax return on assets | -2.2157% | 7,598 |
| Return on Equity (ROE) | -15.4137% | 7,618 |
| Retained earnings to average equity (ytd only) | -15.4137% | 7,454 |
| Net charge-offs to loans | 0.5870% | 2,002 |
| Credit loss provision to net charge-offs | 296.7359% | 1,639 |
| Earnings coverage of net charge-offs (x) | -3.1662% | 5,518 |
| Efficiency ratio | 136.6919% | 439 |
| Assets per employee ($millions) | 3.3231% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8782% | 1,672 |
| Loan loss allowance to noncurrent loans | 37.6300% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 3.4256% | 1,578 |
| Noncurrent loans to loans | 4.9912% | 1,088 |
| Net loans and leases to total assets | 61.5581% | 5,409 |
| Net loans and leases to deposits | 81.9973% | 4,284 |
| Net loans and leases to core deposits | 167.5171% | 386 |
| Total domestic deposits to total assets | 75.0733% | 6,699 |
| Equity capital to assets | 8.7495% | 5,696 |
| Core capital (leverage) ratio | 8.4415% | 5,640 |
| Tier 1 risk-based capital ratio | 14.4384% | 3,342 |
| Total risk-based capital ratio | 15.6992% | 3,259 |
| Memoranda: | ||
| Average total assets | $350,594,000 | 1,985 |
| Average earning assets | $330,975,000 | 1,914 |
| Average equity | $32,257,000 | 2,099 |
| Average total loans | $229,634,500 | 2,097 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2768% | 4,086 |
| Cost of funding earning assets | 2.9353% | 2,119 |
| Net interest margin | 3.3415% | 5,896 |
| Noninterest income to average assets | 0.5104% | 4,540 |
| Noninterest expense to average assets | 4.8330% | 694 |
| Loan and lease loss provision to assets | 0.6605% | 2,198 |
| Net operating income to assets | -1.1496% | 7,322 |
| Return on assets (ROA) | -1.0913% | 7,223 |
| Pretax return on assets | -1.7308% | 7,353 |
| Return on Equity (ROE) | -10.9446% | 7,341 |
| Retained earnings to average equity (ytd only) | -10.9446% | 7,159 |
| Net charge-offs to loans | 0.6231% | 1,974 |
| Credit loss provision to net charge-offs | 157.5150% | 3,302 |
| Earnings coverage of net charge-offs (x) | -2.7695% | 6,753 |
| Efficiency ratio | 131.6295% | 453 |
| Assets per employee ($millions) | 3.0816% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 2,431 |
| Loan loss allowance to noncurrent loans | 44.5295% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 2.5972% | 1,856 |
| Noncurrent loans to loans | 3.4901% | 1,450 |
| Net loans and leases to total assets | 67.3866% | 4,571 |
| Net loans and leases to deposits | 92.8334% | 2,990 |
| Net loans and leases to core deposits | 185.5830% | 242 |
| Total domestic deposits to total assets | 72.5888% | 6,902 |
| Equity capital to assets | 9.6827% | 4,448 |
| Core capital (leverage) ratio | 9.0910% | 4,605 |
| Tier 1 risk-based capital ratio | 14.5539% | 3,270 |
| Total risk-based capital ratio | 15.8104% | 3,190 |
| Memoranda: | ||
| Average total assets | $357,001,400 | 1,875 |
| Average earning assets | $337,750,800 | 1,823 |
| Average equity | $35,597,400 | 1,894 |
| Average total loans | $240,256,400 | 1,968 |