Home > PyraMax Bank, FSB > Performance and Condition Ratios
PyraMax Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,791 |
| Cost of funding earning assets | 1.7096% | 1,430 |
| Net interest margin | 2.3977% | 4,188 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.5980% | 2,008 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | -0.1071% | 4,432 |
| Return on assets (ROA) | -0.9125% | 4,522 |
| Pretax return on assets | -0.8129% | 4,511 |
| Return on Equity (ROE) | -8.8900% | 4,495 |
| Retained earnings to average equity (ytd only) | -8.8929% | 4,453 |
| Net charge-offs to loans | -0.0076% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 98.2202% | 215 |
| Assets per employee ($millions) | 6.4663% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 3,588 |
| Loan loss allowance to noncurrent loans | 336.3964% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 2,229 |
| Noncurrent loans to loans | 0.2780% | 2,183 |
| Net loans and leases to total assets | 71.1200% | 1,680 |
| Net loans and leases to deposits | 95.7197% | 813 |
| Net loans and leases to core deposits | 103.1535% | 1,265 |
| Total domestic deposits to total assets | 74.3000% | 4,088 |
| Equity capital to assets | 10.6149% | 1,668 |
| Core capital (leverage) ratio | 11.1813% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2493% | 1,217 |
| Memoranda: | ||
| Average total assets | $550,159,600 | 1,615 |
| Average earning assets | $508,358,200 | 1,608 |
| Average equity | $56,449,800 | 1,458 |
| Average total loans | $380,662,200 | 1,521 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 3,880 |
| Cost of funding earning assets | 1.5688% | 1,439 |
| Net interest margin | 2.4141% | 4,213 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.6879% | 1,702 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | -0.3385% | 4,517 |
| Return on assets (ROA) | -0.7854% | 4,549 |
| Pretax return on assets | -0.5215% | 4,516 |
| Return on Equity (ROE) | -7.7200% | 4,527 |
| Retained earnings to average equity (ytd only) | -7.7220% | 4,479 |
| Net charge-offs to loans | -0.0064% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 100.7469% | 168 |
| Assets per employee ($millions) | 6.1480% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 3,616 |
| Loan loss allowance to noncurrent loans | 514.8148% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 2,715 |
| Noncurrent loans to loans | 0.1815% | 2,635 |
| Net loans and leases to total assets | 69.2300% | 1,913 |
| Net loans and leases to deposits | 93.6937% | 921 |
| Net loans and leases to core deposits | 100.1742% | 1,312 |
| Total domestic deposits to total assets | 73.8900% | 4,168 |
| Equity capital to assets | 9.5227% | 2,081 |
| Core capital (leverage) ratio | 11.0855% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1200% | 1,291 |
| Memoranda: | ||
| Average total assets | $548,673,000 | 1,617 |
| Average earning assets | $506,178,500 | 1,616 |
| Average equity | $55,804,750 | 1,457 |
| Average total loans | $376,017,750 | 1,531 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 3,940 |
| Cost of funding earning assets | 1.3863% | 1,485 |
| Net interest margin | 2.4695% | 4,238 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.8173% | 1,383 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | -0.0694% | 4,502 |
| Return on assets (ROA) | -0.0472% | 4,487 |
| Pretax return on assets | -0.1100% | 4,492 |
| Return on Equity (ROE) | -0.4500% | 4,456 |
| Retained earnings to average equity (ytd only) | -0.4539% | 4,157 |
| Net charge-offs to loans | -0.0059% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 103.0485% | 138 |
| Assets per employee ($millions) | 6.1912% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 3,629 |
| Loan loss allowance to noncurrent loans | 510.2241% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 2,642 |
| Noncurrent loans to loans | 0.1859% | 2,542 |
| Net loans and leases to total assets | 69.0500% | 1,849 |
| Net loans and leases to deposits | 97.4210% | 648 |
| Net loans and leases to core deposits | 102.7418% | 1,105 |
| Total domestic deposits to total assets | 70.8800% | 4,333 |
| Equity capital to assets | 10.1857% | 1,755 |
| Core capital (leverage) ratio | 11.7232% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7576% | 1,164 |
| Memoranda: | ||
| Average total assets | $547,124,333 | 1,614 |
| Average earning assets | $504,953,333 | 1,618 |
| Average equity | $56,842,667 | 1,441 |
| Average total loans | $372,464,000 | 1,530 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 3,958 |
| Cost of funding earning assets | 1.2017% | 1,443 |
| Net interest margin | 2.5424% | 4,265 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.7433% | 1,562 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | -0.0214% | 4,503 |
| Return on assets (ROA) | 0.0139% | 4,457 |
| Pretax return on assets | -0.0029% | 4,469 |
| Return on Equity (ROE) | 0.1300% | 4,444 |
| Retained earnings to average equity (ytd only) | 0.1329% | 4,001 |
| Net charge-offs to loans | -0.0033% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.7333% | 176 |
| Assets per employee ($millions) | 5.6046% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,534 |
| Loan loss allowance to noncurrent loans | 504.5082% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 2,582 |
| Noncurrent loans to loans | 0.1976% | 2,488 |
| Net loans and leases to total assets | 66.7600% | 1,979 |
| Net loans and leases to deposits | 94.6058% | 748 |
| Net loans and leases to core deposits | 97.6352% | 1,199 |
| Total domestic deposits to total assets | 70.5700% | 4,401 |
| Equity capital to assets | 10.4932% | 1,562 |
| Core capital (leverage) ratio | 11.8276% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3658% | 1,098 |
| Memoranda: | ||
| Average total assets | $545,176,500 | 1,641 |
| Average earning assets | $503,628,000 | 1,638 |
| Average equity | $57,201,500 | 1,450 |
| Average total loans | $366,624,500 | 1,559 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3064% | 3,578 |
| Cost of funding earning assets | 0.4283% | 1,874 |
| Net interest margin | 2.8781% | 3,733 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.8093% | 1,297 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.2073% | 4,441 |
| Return on assets (ROA) | 0.2123% | 4,419 |
| Pretax return on assets | 0.2719% | 4,393 |
| Return on Equity (ROE) | 1.8900% | 4,401 |
| Retained earnings to average equity (ytd only) | 1.8877% | 4,003 |
| Net charge-offs to loans | -0.0356% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.1524% | 299 |
| Assets per employee ($millions) | 5.4657% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 3,830 |
| Loan loss allowance to noncurrent loans | 416.5150% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 2,542 |
| Noncurrent loans to loans | 0.2119% | 2,430 |
| Net loans and leases to total assets | 66.4700% | 1,984 |
| Net loans and leases to deposits | 89.6275% | 1,078 |
| Net loans and leases to core deposits | 91.5376% | 1,421 |
| Total domestic deposits to total assets | 74.1600% | 4,352 |
| Equity capital to assets | 10.4914% | 1,455 |
| Core capital (leverage) ratio | 11.8622% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4552% | 1,056 |
| Memoranda: | ||
| Average total assets | $537,031,000 | 1,642 |
| Average earning assets | $498,451,800 | 1,633 |
| Average equity | $60,389,600 | 1,390 |
| Average total loans | $345,915,400 | 1,558 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1868% | 3,465 |
| Cost of funding earning assets | 0.3244% | 1,921 |
| Net interest margin | 2.8624% | 3,590 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.8312% | 1,187 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.1815% | 4,487 |
| Return on assets (ROA) | 0.1858% | 4,454 |
| Pretax return on assets | 0.2343% | 4,430 |
| Return on Equity (ROE) | 1.6200% | 4,443 |
| Retained earnings to average equity (ytd only) | 1.6249% | 4,112 |
| Net charge-offs to loans | -0.0437% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 90.9687% | 297 |
| Assets per employee ($millions) | 4.9754% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 3,896 |
| Loan loss allowance to noncurrent loans | 418.9723% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 2,606 |
| Noncurrent loans to loans | 0.2119% | 2,550 |
| Net loans and leases to total assets | 67.3300% | 1,748 |
| Net loans and leases to deposits | 88.0751% | 1,030 |
| Net loans and leases to core deposits | 89.8255% | 1,302 |
| Total domestic deposits to total assets | 76.4400% | 4,348 |
| Equity capital to assets | 10.5777% | 1,342 |
| Core capital (leverage) ratio | 11.9365% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6925% | 1,049 |
| Memoranda: | ||
| Average total assets | $536,013,750 | 1,657 |
| Average earning assets | $498,118,500 | 1,646 |
| Average equity | $61,294,750 | 1,397 |
| Average total loans | $341,674,250 | 1,563 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9906% | 3,585 |
| Cost of funding earning assets | 0.3097% | 1,628 |
| Net interest margin | 2.6809% | 3,742 |
| Noninterest income to average assets | 0.4862% | 2,275 |
| Noninterest expense to average assets | 2.7958% | 1,186 |
| Loan and lease loss provision to assets | 0.0779% | 1,243 |
| Net operating income to assets | 0.0823% | 4,526 |
| Return on assets (ROA) | 0.0906% | 4,486 |
| Pretax return on assets | 0.1191% | 4,475 |
| Return on Equity (ROE) | 0.7730% | 4,488 |
| Retained earnings to average equity (ytd only) | 0.7730% | 4,040 |
| Net charge-offs to loans | -0.0375% | 4,126 |
| Credit loss provision to net charge-offs | -333.3333% | 3,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7407% | 296 |
| Assets per employee ($millions) | 4.8553% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 3,991 |
| Loan loss allowance to noncurrent loans | 383.2313% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 2,643 |
| Noncurrent loans to loans | 0.2315% | 2,561 |
| Net loans and leases to total assets | 65.5047% | 1,755 |
| Net loans and leases to deposits | 86.0236% | 969 |
| Net loans and leases to core deposits | 87.8323% | 1,229 |
| Total domestic deposits to total assets | 76.1474% | 4,450 |
| Equity capital to assets | 10.9722% | 1,223 |
| Core capital (leverage) ratio | 11.7619% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8578% | 1,012 |
| Memoranda: | ||
| Average total assets | $538,888,000 | 1,657 |
| Average earning assets | $501,779,000 | 1,654 |
| Average equity | $63,131,000 | 1,390 |
| Average total loans | $336,145,000 | 1,578 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0523% | 3,102 |
| Cost of funding earning assets | 0.2938% | 1,714 |
| Net interest margin | 2.7586% | 3,256 |
| Noninterest income to average assets | 0.4692% | 2,302 |
| Noninterest expense to average assets | 2.7165% | 1,320 |
| Loan and lease loss provision to assets | 0.0776% | 1,060 |
| Net operating income to assets | 0.1970% | 4,341 |
| Return on assets (ROA) | 0.2040% | 4,294 |
| Pretax return on assets | 0.2586% | 4,256 |
| Return on Equity (ROE) | 1.6882% | 4,313 |
| Retained earnings to average equity (ytd only) | 1.6882% | 3,633 |
| Net charge-offs to loans | -0.0659% | 4,353 |
| Credit loss provision to net charge-offs | -194.4444% | 2,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2450% | 584 |
| Assets per employee ($millions) | 5.1839% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 3,988 |
| Loan loss allowance to noncurrent loans | 314.5985% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 2,563 |
| Noncurrent loans to loans | 0.2927% | 2,422 |
| Net loans and leases to total assets | 59.6386% | 2,100 |
| Net loans and leases to deposits | 78.7276% | 1,231 |
| Net loans and leases to core deposits | 80.6213% | 1,442 |
| Total domestic deposits to total assets | 75.7531% | 4,512 |
| Equity capital to assets | 11.5136% | 1,121 |
| Core capital (leverage) ratio | 12.0764% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1624% | 882 |
| Memoranda: | ||
| Average total assets | $541,289,500 | 1,660 |
| Average earning assets | $505,188,000 | 1,656 |
| Average equity | $65,396,000 | 1,398 |
| Average total loans | $327,726,500 | 1,593 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8038% | 4,203 |
| Cost of funding earning assets | 0.3174% | 2,223 |
| Net interest margin | 2.4864% | 4,209 |
| Noninterest income to average assets | 0.7722% | 1,530 |
| Noninterest expense to average assets | 2.7386% | 1,519 |
| Loan and lease loss provision to assets | 0.0055% | 2,968 |
| Net operating income to assets | 0.2696% | 4,459 |
| Return on assets (ROA) | 0.2589% | 4,488 |
| Pretax return on assets | 0.3417% | 4,447 |
| Return on Equity (ROE) | 2.4823% | 4,441 |
| Retained earnings to average equity (ytd only) | 2.4823% | 3,832 |
| Net charge-offs to loans | -0.0375% | 4,200 |
| Credit loss provision to net charge-offs | -24.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3581% | 373 |
| Assets per employee ($millions) | 4.9840% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 4,135 |
| Loan loss allowance to noncurrent loans | 281.0226% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 2,615 |
| Noncurrent loans to loans | 0.3102% | 2,480 |
| Net loans and leases to total assets | 60.3711% | 2,123 |
| Net loans and leases to deposits | 80.3608% | 1,189 |
| Net loans and leases to core deposits | 82.4068% | 1,432 |
| Total domestic deposits to total assets | 75.1251% | 4,551 |
| Equity capital to assets | 12.6558% | 1,011 |
| Core capital (leverage) ratio | 11.9385% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2431% | 727 |
| Memoranda: | ||
| Average total assets | $542,366,400 | 1,594 |
| Average earning assets | $507,631,800 | 1,582 |
| Average equity | $56,561,400 | 1,596 |
| Average total loans | $333,022,600 | 1,580 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7571% | 4,350 |
| Cost of funding earning assets | 0.3257% | 2,342 |
| Net interest margin | 2.4314% | 4,363 |
| Noninterest income to average assets | 0.8500% | 1,385 |
| Noninterest expense to average assets | 2.6787% | 1,645 |
| Loan and lease loss provision to assets | 0.0074% | 2,837 |
| Net operating income to assets | 0.3338% | 4,467 |
| Return on assets (ROA) | 0.3212% | 4,516 |
| Pretax return on assets | 0.4245% | 4,462 |
| Return on Equity (ROE) | 3.2518% | 4,423 |
| Retained earnings to average equity (ytd only) | 3.2518% | 3,811 |
| Net charge-offs to loans | -0.0219% | 4,001 |
| Credit loss provision to net charge-offs | -54.5455% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6773% | 446 |
| Assets per employee ($millions) | 5.2911% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 4,304 |
| Loan loss allowance to noncurrent loans | 212.3382% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 2,565 |
| Noncurrent loans to loans | 0.3919% | 2,391 |
| Net loans and leases to total assets | 61.5561% | 2,068 |
| Net loans and leases to deposits | 78.9205% | 1,395 |
| Net loans and leases to core deposits | 80.7386% | 1,675 |
| Total domestic deposits to total assets | 77.9976% | 4,428 |
| Equity capital to assets | 9.8392% | 3,071 |
| Core capital (leverage) ratio | 9.1006% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4189% | 1,824 |
| Memoranda: | ||
| Average total assets | $543,389,500 | 1,601 |
| Average earning assets | $508,785,250 | 1,588 |
| Average equity | $53,671,000 | 1,680 |
| Average total loans | $334,323,250 | 1,605 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8023% | 4,336 |
| Cost of funding earning assets | 0.3431% | 2,376 |
| Net interest margin | 2.4592% | 4,355 |
| Noninterest income to average assets | 0.9041% | 1,264 |
| Noninterest expense to average assets | 2.6587% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4128% | 4,363 |
| Return on assets (ROA) | 0.3948% | 4,432 |
| Pretax return on assets | 0.5255% | 4,342 |
| Return on Equity (ROE) | 3.9918% | 4,333 |
| Retained earnings to average equity (ytd only) | 3.9918% | 3,519 |
| Net charge-offs to loans | -0.0174% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9039% | 620 |
| Assets per employee ($millions) | 5.9109% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 4,342 |
| Loan loss allowance to noncurrent loans | 258.9573% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 3,095 |
| Noncurrent loans to loans | 0.3150% | 2,796 |
| Net loans and leases to total assets | 55.1050% | 3,001 |
| Net loans and leases to deposits | 69.6274% | 2,453 |
| Net loans and leases to core deposits | 70.9813% | 2,690 |
| Total domestic deposits to total assets | 79.1426% | 4,326 |
| Equity capital to assets | 9.0119% | 3,783 |
| Core capital (leverage) ratio | 9.6953% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0898% | 1,601 |
| Memoranda: | ||
| Average total assets | $544,620,667 | 1,587 |
| Average earning assets | $510,005,000 | 1,577 |
| Average equity | $53,860,667 | 1,668 |
| Average total loans | $334,096,333 | 1,613 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9767% | 4,137 |
| Cost of funding earning assets | 0.3959% | 2,131 |
| Net interest margin | 2.5808% | 4,184 |
| Noninterest income to average assets | 1.1756% | 883 |
| Noninterest expense to average assets | 2.6903% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6680% | 3,782 |
| Return on assets (ROA) | 0.6355% | 3,916 |
| Pretax return on assets | 0.8520% | 3,717 |
| Return on Equity (ROE) | 6.1092% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.1092% | 2,853 |
| Net charge-offs to loans | 0.0048% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 287.7500% | 308 |
| Efficiency ratio | 75.0758% | 1,211 |
| Assets per employee ($millions) | 5.2041% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 4,392 |
| Loan loss allowance to noncurrent loans | 216.7871% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 2,924 |
| Noncurrent loans to loans | 0.3738% | 2,752 |
| Net loans and leases to total assets | 64.1258% | 2,024 |
| Net loans and leases to deposits | 85.4630% | 999 |
| Net loans and leases to core deposits | 87.6160% | 1,399 |
| Total domestic deposits to total assets | 75.0334% | 4,626 |
| Equity capital to assets | 10.4305% | 2,335 |
| Core capital (leverage) ratio | 9.9209% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4958% | 1,430 |
| Memoranda: | ||
| Average total assets | $515,474,500 | 1,653 |
| Average earning assets | $480,937,000 | 1,646 |
| Average equity | $53,624,000 | 1,666 |
| Average total loans | $333,661,000 | 1,617 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 4,060 |
| Cost of funding earning assets | 0.7064% | 1,688 |
| Net interest margin | 2.7765% | 4,289 |
| Noninterest income to average assets | 1.1157% | 853 |
| Noninterest expense to average assets | 2.9223% | 1,629 |
| Loan and lease loss provision to assets | 0.1046% | 3,029 |
| Net operating income to assets | 0.2683% | 4,481 |
| Return on assets (ROA) | 0.4389% | 4,246 |
| Pretax return on assets | 0.8717% | 3,445 |
| Return on Equity (ROE) | 4.0301% | 4,149 |
| Retained earnings to average equity (ytd only) | 4.0301% | 2,803 |
| Net charge-offs to loans | -0.0627% | 4,715 |
| Credit loss provision to net charge-offs | -246.3054% | 3,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3513% | 933 |
| Assets per employee ($millions) | 5.1575% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 4,410 |
| Loan loss allowance to noncurrent loans | 210.0233% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 3,039 |
| Noncurrent loans to loans | 0.3850% | 2,829 |
| Net loans and leases to total assets | 64.2839% | 2,324 |
| Net loans and leases to deposits | 85.7680% | 1,265 |
| Net loans and leases to core deposits | 88.9268% | 1,614 |
| Total domestic deposits to total assets | 74.9509% | 4,577 |
| Equity capital to assets | 10.3752% | 2,776 |
| Core capital (leverage) ratio | 9.8113% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9641% | 1,545 |
| Memoranda: | ||
| Average total assets | $478,007,000 | 1,617 |
| Average earning assets | $441,967,000 | 1,619 |
| Average equity | $52,058,200 | 1,631 |
| Average total loans | $323,815,400 | 1,594 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5128% | 4,186 |
| Cost of funding earning assets | 0.7785% | 1,596 |
| Net interest margin | 2.7342% | 4,422 |
| Noninterest income to average assets | 1.0528% | 937 |
| Noninterest expense to average assets | 2.8033% | 1,957 |
| Loan and lease loss provision to assets | 0.1423% | 2,598 |
| Net operating income to assets | 0.1923% | 4,607 |
| Return on assets (ROA) | 0.4265% | 4,277 |
| Pretax return on assets | 0.9251% | 3,313 |
| Return on Equity (ROE) | 3.8662% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.8662% | 3,111 |
| Net charge-offs to loans | -0.0623% | 4,730 |
| Credit loss provision to net charge-offs | -333.3333% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4332% | 992 |
| Assets per employee ($millions) | 5.1538% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 4,385 |
| Loan loss allowance to noncurrent loans | 187.0148% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 2,520 |
| Noncurrent loans to loans | 0.4211% | 2,799 |
| Net loans and leases to total assets | 66.1040% | 2,506 |
| Net loans and leases to deposits | 89.9753% | 1,267 |
| Net loans and leases to core deposits | 94.9690% | 1,544 |
| Total domestic deposits to total assets | 73.4690% | 4,606 |
| Equity capital to assets | 10.4818% | 2,805 |
| Core capital (leverage) ratio | 9.9207% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9075% | 1,531 |
| Memoranda: | ||
| Average total assets | $468,571,750 | 1,626 |
| Average earning assets | $432,090,250 | 1,633 |
| Average equity | $51,695,250 | 1,629 |
| Average total loans | $321,207,750 | 1,606 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 4,354 |
| Cost of funding earning assets | 0.8652% | 1,518 |
| Net interest margin | 2.6837% | 4,572 |
| Noninterest income to average assets | 0.9430% | 1,081 |
| Noninterest expense to average assets | 2.8058% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3826% | 4,269 |
| Return on assets (ROA) | 0.3926% | 4,306 |
| Pretax return on assets | 0.6170% | 4,026 |
| Return on Equity (ROE) | 3.4945% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.4945% | 3,182 |
| Net charge-offs to loans | -0.0721% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2796% | 742 |
| Assets per employee ($millions) | 4.9047% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6431% | 4,683 |
| Loan loss allowance to noncurrent loans | 113.4729% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 2,311 |
| Noncurrent loans to loans | 0.5667% | 2,458 |
| Net loans and leases to total assets | 65.9355% | 2,638 |
| Net loans and leases to deposits | 89.1938% | 1,428 |
| Net loans and leases to core deposits | 95.8654% | 1,588 |
| Total domestic deposits to total assets | 73.9238% | 4,600 |
| Equity capital to assets | 10.6807% | 2,591 |
| Core capital (leverage) ratio | 9.9800% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9958% | 1,822 |
| Memoranda: | ||
| Average total assets | $456,404,333 | 1,638 |
| Average earning assets | $419,576,667 | 1,648 |
| Average equity | $51,280,000 | 1,634 |
| Average total loans | $316,102,333 | 1,615 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 4,118 |
| Cost of funding earning assets | 0.9793% | 1,511 |
| Net interest margin | 2.8778% | 4,466 |
| Noninterest income to average assets | 0.8423% | 1,184 |
| Noninterest expense to average assets | 2.9717% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3522% | 4,239 |
| Return on assets (ROA) | 0.3891% | 4,194 |
| Pretax return on assets | 0.5539% | 4,023 |
| Return on Equity (ROE) | 3.3686% | 4,126 |
| Retained earnings to average equity (ytd only) | 3.3686% | 2,934 |
| Net charge-offs to loans | -0.0103% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4211% | 742 |
| Assets per employee ($millions) | 4.4811% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 4,681 |
| Loan loss allowance to noncurrent loans | 123.9506% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 2,472 |
| Noncurrent loans to loans | 0.5290% | 2,674 |
| Net loans and leases to total assets | 67.8874% | 2,560 |
| Net loans and leases to deposits | 90.6244% | 1,441 |
| Net loans and leases to core deposits | 100.0816% | 1,460 |
| Total domestic deposits to total assets | 74.9107% | 4,591 |
| Equity capital to assets | 11.2955% | 2,596 |
| Core capital (leverage) ratio | 10.8784% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3949% | 2,114 |
| Memoranda: | ||
| Average total assets | $436,920,500 | 1,657 |
| Average earning assets | $400,304,000 | 1,673 |
| Average equity | $50,465,500 | 1,652 |
| Average total loans | $309,783,500 | 1,596 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 4,137 |
| Cost of funding earning assets | 1.1826% | 1,068 |
| Net interest margin | 2.8709% | 4,684 |
| Noninterest income to average assets | 0.7005% | 1,819 |
| Noninterest expense to average assets | 3.2585% | 1,385 |
| Loan and lease loss provision to assets | -0.2227% | 5,128 |
| Net operating income to assets | 0.2432% | 4,805 |
| Return on assets (ROA) | 0.2432% | 4,827 |
| Pretax return on assets | 0.2965% | 4,819 |
| Return on Equity (ROE) | 2.3939% | 4,755 |
| Retained earnings to average equity (ytd only) | 2.3939% | 3,822 |
| Net charge-offs to loans | 0.0662% | 2,140 |
| Credit loss provision to net charge-offs | -451.0917% | 4,407 |
| Earnings coverage of net charge-offs (x) | 1.4934% | 3,534 |
| Efficiency ratio | 97.7871% | 190 |
| Assets per employee ($millions) | 3.9420% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 4,673 |
| Loan loss allowance to noncurrent loans | 99.3542% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 2,517 |
| Noncurrent loans to loans | 0.6424% | 2,280 |
| Net loans and leases to total assets | 73.1328% | 1,899 |
| Net loans and leases to deposits | 88.2459% | 1,813 |
| Net loans and leases to core deposits | 101.4285% | 1,448 |
| Total domestic deposits to total assets | 82.8738% | 3,239 |
| Equity capital to assets | 11.8184% | 2,265 |
| Core capital (leverage) ratio | 10.6524% | 2,806 |
| Tier 1 risk-based capital ratio | 13.5416% | 3,498 |
| Total risk-based capital ratio | 14.1263% | 3,738 |
| Memoranda: | ||
| Average total assets | $463,798,000 | 1,513 |
| Average earning assets | $425,168,400 | 1,522 |
| Average equity | $47,120,200 | 1,682 |
| Average total loans | $346,163,800 | 1,434 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 4,256 |
| Cost of funding earning assets | 1.2199% | 981 |
| Net interest margin | 2.8309% | 4,828 |
| Noninterest income to average assets | 0.7096% | 1,741 |
| Noninterest expense to average assets | 3.1370% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1532% | 4,982 |
| Return on assets (ROA) | 0.1532% | 4,997 |
| Pretax return on assets | 0.1685% | 4,999 |
| Return on Equity (ROE) | 1.5658% | 4,957 |
| Retained earnings to average equity (ytd only) | 1.5658% | 4,409 |
| Net charge-offs to loans | 0.0918% | 1,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.4508% | 3,194 |
| Efficiency ratio | 94.9037% | 220 |
| Assets per employee ($millions) | 3.9553% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 4,002 |
| Loan loss allowance to noncurrent loans | 203.9189% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 3,181 |
| Noncurrent loans to loans | 0.4460% | 2,973 |
| Net loans and leases to total assets | 74.8911% | 1,667 |
| Net loans and leases to deposits | 87.3103% | 2,019 |
| Net loans and leases to core deposits | 100.7270% | 1,606 |
| Total domestic deposits to total assets | 85.7758% | 2,095 |
| Equity capital to assets | 11.3817% | 2,756 |
| Core capital (leverage) ratio | 9.9303% | 3,707 |
| Tier 1 risk-based capital ratio | 13.0674% | 3,812 |
| Total risk-based capital ratio | 13.9323% | 3,910 |
| Memoranda: | ||
| Average total assets | $473,314,000 | 1,500 |
| Average earning assets | $434,010,500 | 1,508 |
| Average equity | $46,321,500 | 1,707 |
| Average total loans | $354,367,000 | 1,408 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 4,467 |
| Cost of funding earning assets | 1.2065% | 973 |
| Net interest margin | 2.7513% | 4,965 |
| Noninterest income to average assets | 0.5789% | 2,252 |
| Noninterest expense to average assets | 3.1229% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0235% | 5,092 |
| Return on assets (ROA) | 0.0235% | 5,101 |
| Pretax return on assets | -0.0177% | 5,114 |
| Return on Equity (ROE) | 0.2527% | 5,099 |
| Retained earnings to average equity (ytd only) | 0.2527% | 4,622 |
| Net charge-offs to loans | 0.0414% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -0.5733% | 3,115 |
| Efficiency ratio | 100.5714% | 156 |
| Assets per employee ($millions) | 4.2959% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 4,022 |
| Loan loss allowance to noncurrent loans | 208.3007% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3460% | 3,151 |
| Noncurrent loans to loans | 0.4406% | 2,945 |
| Net loans and leases to total assets | 71.5055% | 2,284 |
| Net loans and leases to deposits | 82.9814% | 2,617 |
| Net loans and leases to core deposits | 104.2172% | 1,368 |
| Total domestic deposits to total assets | 86.1705% | 1,945 |
| Equity capital to assets | 10.1817% | 3,804 |
| Core capital (leverage) ratio | 9.4972% | 4,147 |
| Tier 1 risk-based capital ratio | 12.5584% | 4,096 |
| Total risk-based capital ratio | 13.4451% | 4,180 |
| Memoranda: | ||
| Average total assets | $484,739,000 | 1,473 |
| Average earning assets | $445,098,670 | 1,478 |
| Average equity | $45,105,330 | 1,749 |
| Average total loans | $361,883,000 | 1,393 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 4,396 |
| Cost of funding earning assets | 1.1887% | 936 |
| Net interest margin | 2.7969% | 4,992 |
| Noninterest income to average assets | 0.6191% | 1,958 |
| Noninterest expense to average assets | 3.1965% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0099% | 5,143 |
| Return on assets (ROA) | 0.0099% | 5,146 |
| Pretax return on assets | -0.0123% | 5,149 |
| Return on Equity (ROE) | 0.1112% | 5,143 |
| Retained earnings to average equity (ytd only) | 0.1112% | 4,508 |
| Net charge-offs to loans | -0.1777% | 5,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3873% | 168 |
| Assets per employee ($millions) | 4.3368% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 3,998 |
| Loan loss allowance to noncurrent loans | 195.7714% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 3,185 |
| Noncurrent loans to loans | 0.4800% | 2,873 |
| Net loans and leases to total assets | 73.0456% | 1,966 |
| Net loans and leases to deposits | 86.6057% | 2,057 |
| Net loans and leases to core deposits | 114.1087% | 737 |
| Total domestic deposits to total assets | 84.3427% | 2,929 |
| Equity capital to assets | 9.7385% | 4,055 |
| Core capital (leverage) ratio | 9.3377% | 4,332 |
| Tier 1 risk-based capital ratio | 12.4891% | 4,175 |
| Total risk-based capital ratio | 13.4360% | 4,240 |
| Memoranda: | ||
| Average total assets | $486,535,500 | 1,471 |
| Average earning assets | $446,213,000 | 1,487 |
| Average equity | $43,163,500 | 1,813 |
| Average total loans | $369,208,000 | 1,377 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 4,418 |
| Cost of funding earning assets | 0.9688% | 848 |
| Net interest margin | 2.8651% | 4,956 |
| Noninterest income to average assets | 0.5995% | 2,293 |
| Noninterest expense to average assets | 3.2784% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.0151% | 5,236 |
| Return on assets (ROA) | -0.0040% | 5,232 |
| Pretax return on assets | -0.0411% | 5,235 |
| Return on Equity (ROE) | -0.0497% | 5,232 |
| Retained earnings to average equity (ytd only) | -0.0497% | 4,989 |
| Net charge-offs to loans | -0.0464% | 4,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7102% | 129 |
| Assets per employee ($millions) | 3.8603% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 4,287 |
| Loan loss allowance to noncurrent loans | 209.6401% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 3,252 |
| Noncurrent loans to loans | 0.4162% | 3,045 |
| Net loans and leases to total assets | 77.4207% | 1,369 |
| Net loans and leases to deposits | 90.9336% | 1,679 |
| Net loans and leases to core deposits | 112.8963% | 840 |
| Total domestic deposits to total assets | 85.1398% | 2,591 |
| Equity capital to assets | 7.9763% | 5,172 |
| Core capital (leverage) ratio | 7.5260% | 5,321 |
| Tier 1 risk-based capital ratio | 10.0163% | 5,300 |
| Total risk-based capital ratio | 10.9250% | 5,328 |
| Memoranda: | ||
| Average total assets | $477,090,200 | 1,467 |
| Average earning assets | $436,910,600 | 1,486 |
| Average equity | $38,199,200 | 1,929 |
| Average total loans | $363,910,600 | 1,354 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,569 |
| Cost of funding earning assets | 0.9306% | 802 |
| Net interest margin | 2.8095% | 5,075 |
| Noninterest income to average assets | 0.6145% | 2,241 |
| Noninterest expense to average assets | 3.2806% | 1,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.0363% | 5,312 |
| Return on assets (ROA) | -0.0215% | 5,303 |
| Pretax return on assets | -0.0736% | 5,317 |
| Return on Equity (ROE) | -0.2687% | 5,306 |
| Retained earnings to average equity (ytd only) | -0.2687% | 5,070 |
| Net charge-offs to loans | -0.0550% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8950% | 119 |
| Assets per employee ($millions) | 4.1418% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8666% | 4,381 |
| Loan loss allowance to noncurrent loans | 198.5303% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 3,317 |
| Noncurrent loans to loans | 0.4365% | 3,091 |
| Net loans and leases to total assets | 77.1934% | 1,468 |
| Net loans and leases to deposits | 91.9858% | 1,628 |
| Net loans and leases to core deposits | 114.5773% | 791 |
| Total domestic deposits to total assets | 83.9188% | 2,976 |
| Equity capital to assets | 7.8568% | 5,222 |
| Core capital (leverage) ratio | 7.4146% | 5,403 |
| Tier 1 risk-based capital ratio | 9.6243% | 5,432 |
| Total risk-based capital ratio | 10.5080% | 5,443 |
| Memoranda: | ||
| Average total assets | $476,692,500 | 1,467 |
| Average earning assets | $436,703,250 | 1,491 |
| Average equity | $38,203,750 | 1,937 |
| Average total loans | $361,423,250 | 1,359 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 4,628 |
| Cost of funding earning assets | 0.8946% | 750 |
| Net interest margin | 2.7853% | 5,135 |
| Noninterest income to average assets | 0.5906% | 2,377 |
| Noninterest expense to average assets | 3.3876% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.1581% | 5,390 |
| Return on assets (ROA) | -0.1359% | 5,383 |
| Pretax return on assets | -0.2175% | 5,396 |
| Return on Equity (ROE) | -1.6842% | 5,393 |
| Retained earnings to average equity (ytd only) | -1.6842% | 5,127 |
| Net charge-offs to loans | 0.0006% | 3,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -584.0000% | 3,206 |
| Efficiency ratio | 107.8190% | 106 |
| Assets per employee ($millions) | 4.0704% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 4,600 |
| Loan loss allowance to noncurrent loans | 167.5881% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 3,212 |
| Noncurrent loans to loans | 0.4956% | 2,945 |
| Net loans and leases to total assets | 76.8658% | 1,498 |
| Net loans and leases to deposits | 89.5549% | 1,902 |
| Net loans and leases to core deposits | 111.7663% | 898 |
| Total domestic deposits to total assets | 85.8309% | 2,355 |
| Equity capital to assets | 7.8471% | 5,280 |
| Core capital (leverage) ratio | 7.4596% | 5,445 |
| Tier 1 risk-based capital ratio | 9.7027% | 5,478 |
| Total risk-based capital ratio | 10.5466% | 5,492 |
| Memoranda: | ||
| Average total assets | $475,440,670 | 1,483 |
| Average earning assets | $435,494,330 | 1,508 |
| Average equity | $38,355,670 | 1,940 |
| Average total loans | $357,192,330 | 1,369 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6042% | 4,697 |
| Cost of funding earning assets | 0.8667% | 703 |
| Net interest margin | 2.7375% | 5,226 |
| Noninterest income to average assets | 0.5522% | 2,514 |
| Noninterest expense to average assets | 2.9572% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0938% | 5,334 |
| Return on assets (ROA) | 0.1099% | 5,319 |
| Pretax return on assets | 0.1209% | 5,325 |
| Return on Equity (ROE) | 1.3441% | 5,273 |
| Retained earnings to average equity (ytd only) | 1.3441% | 4,529 |
| Net charge-offs to loans | -0.0114% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6289% | 239 |
| Assets per employee ($millions) | 4.1369% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 4,632 |
| Loan loss allowance to noncurrent loans | 166.2025% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 3,283 |
| Noncurrent loans to loans | 0.5118% | 2,985 |
| Net loans and leases to total assets | 75.3651% | 1,645 |
| Net loans and leases to deposits | 89.7178% | 1,725 |
| Net loans and leases to core deposits | 106.1747% | 1,222 |
| Total domestic deposits to total assets | 84.0024% | 3,326 |
| Equity capital to assets | 7.9984% | 5,269 |
| Core capital (leverage) ratio | 7.7882% | 5,450 |
| Tier 1 risk-based capital ratio | 10.4211% | 5,375 |
| Total risk-based capital ratio | 11.3192% | 5,420 |
| Memoranda: | ||
| Average total assets | $473,008,000 | 1,497 |
| Average earning assets | $433,384,000 | 1,516 |
| Average equity | $38,688,500 | 1,927 |
| Average total loans | $349,647,000 | 1,397 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6474% | 4,455 |
| Cost of funding earning assets | 0.8035% | 610 |
| Net interest margin | 2.8439% | 5,113 |
| Noninterest income to average assets | 0.3868% | 3,721 |
| Noninterest expense to average assets | 3.3700% | 1,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3613% | 4,806 |
| Return on assets (ROA) | 0.3613% | 4,825 |
| Pretax return on assets | -0.3926% | 5,531 |
| Return on Equity (ROE) | 4.0874% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.0874% | 2,720 |
| Net charge-offs to loans | -0.0262% | 5,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1875% | 85 |
| Assets per employee ($millions) | 4.1994% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 4,348 |
| Loan loss allowance to noncurrent loans | 164.6965% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 3,248 |
| Noncurrent loans to loans | 0.5614% | 2,813 |
| Net loans and leases to total assets | 71.1028% | 2,363 |
| Net loans and leases to deposits | 84.9857% | 2,373 |
| Net loans and leases to core deposits | 101.1160% | 1,625 |
| Total domestic deposits to total assets | 83.6645% | 3,323 |
| Equity capital to assets | 8.3654% | 5,219 |
| Core capital (leverage) ratio | 7.5214% | 5,557 |
| Tier 1 risk-based capital ratio | 11.0225% | 5,136 |
| Total risk-based capital ratio | 11.9762% | 5,180 |
| Memoranda: | ||
| Average total assets | $459,198,400 | 1,518 |
| Average earning assets | $418,296,200 | 1,538 |
| Average equity | $40,588,200 | 1,834 |
| Average total loans | $324,551,800 | 1,465 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6117% | 4,529 |
| Cost of funding earning assets | 0.7822% | 641 |
| Net interest margin | 2.8295% | 5,178 |
| Noninterest income to average assets | 0.6371% | 2,269 |
| Noninterest expense to average assets | 3.0043% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5188% | 863 |
| Return on assets (ROA) | 1.5188% | 885 |
| Pretax return on assets | 0.2064% | 5,384 |
| Return on Equity (ROE) | 16.9514% | 428 |
| Retained earnings to average equity (ytd only) | 16.9514% | 79 |
| Net charge-offs to loans | -0.0253% | 4,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5730% | 300 |
| Assets per employee ($millions) | 4.1578% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,423 |
| Loan loss allowance to noncurrent loans | 153.6036% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 3,320 |
| Noncurrent loans to loans | 0.6064% | 2,892 |
| Net loans and leases to total assets | 69.4719% | 2,637 |
| Net loans and leases to deposits | 83.6528% | 2,600 |
| Net loans and leases to core deposits | 99.1100% | 1,786 |
| Total domestic deposits to total assets | 83.0479% | 3,437 |
| Equity capital to assets | 9.1714% | 4,752 |
| Core capital (leverage) ratio | 8.4260% | 5,294 |
| Tier 1 risk-based capital ratio | 11.9992% | 4,621 |
| Total risk-based capital ratio | 12.9577% | 4,707 |
| Memoranda: | ||
| Average total assets | $457,465,000 | 1,534 |
| Average earning assets | $416,081,250 | 1,558 |
| Average equity | $40,986,750 | 1,832 |
| Average total loans | $322,058,250 | 1,485 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 4,437 |
| Cost of funding earning assets | 0.7692% | 619 |
| Net interest margin | 2.8575% | 5,156 |
| Noninterest income to average assets | 0.6384% | 2,266 |
| Noninterest expense to average assets | 3.0520% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.2177% | 206 |
| Return on assets (ROA) | 2.2177% | 209 |
| Pretax return on assets | 0.1937% | 5,433 |
| Return on Equity (ROE) | 24.9568% | 80 |
| Retained earnings to average equity (ytd only) | 24.9568% | 31 |
| Net charge-offs to loans | -0.0250% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0329% | 309 |
| Assets per employee ($millions) | 3.9488% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 4,468 |
| Loan loss allowance to noncurrent loans | 143.9773% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 3,263 |
| Noncurrent loans to loans | 0.6530% | 2,787 |
| Net loans and leases to total assets | 70.1088% | 2,510 |
| Net loans and leases to deposits | 83.7492% | 2,515 |
| Net loans and leases to core deposits | 85.8348% | 2,896 |
| Total domestic deposits to total assets | 83.7128% | 3,319 |
| Equity capital to assets | 9.3984% | 4,514 |
| Core capital (leverage) ratio | 8.5248% | 5,196 |
| Tier 1 risk-based capital ratio | 12.2656% | 4,447 |
| Total risk-based capital ratio | 13.2434% | 4,524 |
| Memoranda: | ||
| Average total assets | $453,343,330 | 1,551 |
| Average earning assets | $413,650,330 | 1,565 |
| Average equity | $40,285,670 | 1,857 |
| Average total loans | $319,588,000 | 1,491 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5522% | 4,544 |
| Cost of funding earning assets | 0.7660% | 594 |
| Net interest margin | 2.7862% | 5,274 |
| Noninterest income to average assets | 0.5242% | 2,806 |
| Noninterest expense to average assets | 3.1549% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.5757% | 127 |
| Return on assets (ROA) | 2.5757% | 131 |
| Pretax return on assets | -0.0851% | 5,635 |
| Return on Equity (ROE) | 29.8585% | 48 |
| Retained earnings to average equity (ytd only) | 29.8585% | 31 |
| Net charge-offs to loans | -0.0277% | 4,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7738% | 192 |
| Assets per employee ($millions) | 4.0133% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 4,545 |
| Loan loss allowance to noncurrent loans | 102.6423% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 2,682 |
| Noncurrent loans to loans | 0.9266% | 2,186 |
| Net loans and leases to total assets | 69.5771% | 2,456 |
| Net loans and leases to deposits | 85.1610% | 2,137 |
| Net loans and leases to core deposits | 87.4732% | 2,593 |
| Total domestic deposits to total assets | 81.7006% | 4,247 |
| Equity capital to assets | 8.9229% | 4,883 |
| Core capital (leverage) ratio | 8.3893% | 5,317 |
| Tier 1 risk-based capital ratio | 11.7238% | 4,897 |
| Total risk-based capital ratio | 12.6660% | 4,981 |
| Memoranda: | ||
| Average total assets | $450,986,000 | 1,566 |
| Average earning assets | $412,029,000 | 1,582 |
| Average equity | $38,903,500 | 1,926 |
| Average total loans | $317,288,500 | 1,505 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 4,769 |
| Cost of funding earning assets | 0.6821% | 896 |
| Net interest margin | 2.8212% | 5,265 |
| Noninterest income to average assets | 0.9552% | 1,250 |
| Noninterest expense to average assets | 3.2778% | 1,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2644% | 5,293 |
| Return on assets (ROA) | 0.3015% | 5,281 |
| Pretax return on assets | 0.3015% | 5,364 |
| Return on Equity (ROE) | 3.4108% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.4108% | 3,497 |
| Net charge-offs to loans | 0.0256% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.3671% | 2,300 |
| Efficiency ratio | 92.5354% | 442 |
| Assets per employee ($millions) | 3.9687% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 4,572 |
| Loan loss allowance to noncurrent loans | 100.4341% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 2,706 |
| Noncurrent loans to loans | 0.9478% | 2,191 |
| Net loans and leases to total assets | 69.7941% | 2,514 |
| Net loans and leases to deposits | 86.7743% | 2,076 |
| Net loans and leases to core deposits | 100.0256% | 1,620 |
| Total domestic deposits to total assets | 80.4317% | 4,467 |
| Equity capital to assets | 8.3351% | 5,399 |
| Core capital (leverage) ratio | 8.4216% | 5,346 |
| Tier 1 risk-based capital ratio | 11.3209% | 5,163 |
| Total risk-based capital ratio | 12.2364% | 5,244 |
| Memoranda: | ||
| Average total assets | $429,249,800 | 1,582 |
| Average earning assets | $393,621,600 | 1,599 |
| Average equity | $37,938,600 | 1,931 |
| Average total loans | $308,875,600 | 1,482 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5372% | 4,716 |
| Cost of funding earning assets | 0.6657% | 972 |
| Net interest margin | 2.8715% | 5,230 |
| Noninterest income to average assets | 1.0278% | 1,087 |
| Noninterest expense to average assets | 3.2911% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3707% | 5,110 |
| Return on assets (ROA) | 0.4206% | 5,049 |
| Pretax return on assets | 0.4206% | 5,267 |
| Return on Equity (ROE) | 4.6885% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.6885% | 3,028 |
| Net charge-offs to loans | 0.0612% | 2,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.3686% | 2,778 |
| Efficiency ratio | 89.8773% | 563 |
| Assets per employee ($millions) | 3.8494% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 4,580 |
| Loan loss allowance to noncurrent loans | 95.8049% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 2,716 |
| Noncurrent loans to loans | 1.0087% | 2,228 |
| Net loans and leases to total assets | 68.7968% | 2,684 |
| Net loans and leases to deposits | 81.9577% | 2,741 |
| Net loans and leases to core deposits | 93.5090% | 2,233 |
| Total domestic deposits to total assets | 83.9418% | 3,224 |
| Equity capital to assets | 8.8625% | 5,270 |
| Core capital (leverage) ratio | 8.7284% | 5,126 |
| Tier 1 risk-based capital ratio | 11.6899% | 4,983 |
| Total risk-based capital ratio | 12.6146% | 5,074 |
| Memoranda: | ||
| Average total assets | $424,446,000 | 1,600 |
| Average earning assets | $389,339,750 | 1,606 |
| Average equity | $38,078,250 | 1,933 |
| Average total loans | $307,092,000 | 1,496 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5507% | 4,741 |
| Cost of funding earning assets | 0.6531% | 1,041 |
| Net interest margin | 2.8977% | 5,270 |
| Noninterest income to average assets | 1.0151% | 1,082 |
| Noninterest expense to average assets | 3.2055% | 1,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4656% | 4,815 |
| Return on assets (ROA) | 0.5343% | 4,655 |
| Pretax return on assets | 0.5343% | 5,063 |
| Return on Equity (ROE) | 5.9301% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.9301% | 2,156 |
| Net charge-offs to loans | 0.0890% | 1,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 7.1314% | 2,666 |
| Efficiency ratio | 87.3166% | 767 |
| Assets per employee ($millions) | 4.0028% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 4,654 |
| Loan loss allowance to noncurrent loans | 73.4196% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 2,191 |
| Noncurrent loans to loans | 1.3259% | 1,699 |
| Net loans and leases to total assets | 71.4008% | 2,265 |
| Net loans and leases to deposits | 85.4483% | 2,308 |
| Net loans and leases to core deposits | 100.6804% | 1,588 |
| Total domestic deposits to total assets | 83.5603% | 3,440 |
| Equity capital to assets | 9.1901% | 5,076 |
| Core capital (leverage) ratio | 8.8545% | 4,991 |
| Tier 1 risk-based capital ratio | 11.8686% | 4,929 |
| Total risk-based capital ratio | 12.8142% | 5,006 |
| Memoranda: | ||
| Average total assets | $419,649,330 | 1,618 |
| Average earning assets | $384,654,000 | 1,626 |
| Average equity | $37,807,000 | 1,950 |
| Average total loans | $307,839,000 | 1,494 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5525% | 4,757 |
| Cost of funding earning assets | 0.6360% | 1,122 |
| Net interest margin | 2.9165% | 5,298 |
| Noninterest income to average assets | 1.0512% | 982 |
| Noninterest expense to average assets | 3.0964% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6277% | 4,068 |
| Return on assets (ROA) | 0.7641% | 3,528 |
| Pretax return on assets | 0.7641% | 4,328 |
| Return on Equity (ROE) | 8.5674% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.5674% | 1,241 |
| Net charge-offs to loans | 0.1496% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.6724% | 2,307 |
| Efficiency ratio | 83.1455% | 1,246 |
| Assets per employee ($millions) | 4.1009% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,712 |
| Loan loss allowance to noncurrent loans | 67.8001% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 2,050 |
| Noncurrent loans to loans | 1.4461% | 1,638 |
| Net loans and leases to total assets | 72.4418% | 1,960 |
| Net loans and leases to deposits | 83.6373% | 2,349 |
| Net loans and leases to core deposits | 101.9753% | 1,340 |
| Total domestic deposits to total assets | 86.6142% | 2,404 |
| Equity capital to assets | 9.1653% | 5,027 |
| Core capital (leverage) ratio | 8.8502% | 5,029 |
| Tier 1 risk-based capital ratio | 12.3323% | 4,705 |
| Total risk-based capital ratio | 13.3305% | 4,777 |
| Memoranda: | ||
| Average total assets | $419,324,500 | 1,616 |
| Average earning assets | $384,291,000 | 1,631 |
| Average equity | $37,397,500 | 1,967 |
| Average total loans | $310,235,000 | 1,481 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 4,575 |
| Cost of funding earning assets | 0.6702% | 956 |
| Net interest margin | 2.9640% | 5,218 |
| Noninterest income to average assets | 0.7079% | 2,165 |
| Noninterest expense to average assets | 3.4075% | 1,468 |
| Loan and lease loss provision to assets | -0.1641% | 5,941 |
| Net operating income to assets | 0.1751% | 5,632 |
| Return on assets (ROA) | 0.1835% | 5,661 |
| Pretax return on assets | 0.1835% | 5,703 |
| Return on Equity (ROE) | 2.0794% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.0794% | 4,542 |
| Net charge-offs to loans | -0.0099% | 5,109 |
| Credit loss provision to net charge-offs | 2,280.0000% | 149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6772% | 294 |
| Assets per employee ($millions) | 4.0813% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 4,748 |
| Loan loss allowance to noncurrent loans | 66.3443% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0974% | 2,005 |
| Noncurrent loans to loans | 1.4657% | 1,592 |
| Net loans and leases to total assets | 74.0626% | 1,716 |
| Net loans and leases to deposits | 88.7387% | 1,782 |
| Net loans and leases to core deposits | 108.4908% | 945 |
| Total domestic deposits to total assets | 83.4615% | 3,688 |
| Equity capital to assets | 8.6777% | 5,406 |
| Core capital (leverage) ratio | 8.5042% | 5,430 |
| Tier 1 risk-based capital ratio | 11.5267% | 5,239 |
| Total risk-based capital ratio | 12.5178% | 5,290 |
| Memoranda: | ||
| Average total assets | $416,873,600 | 1,585 |
| Average earning assets | $381,235,800 | 1,601 |
| Average equity | $36,789,600 | 1,943 |
| Average total loans | $302,635,600 | 1,464 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6245% | 4,655 |
| Cost of funding earning assets | 0.6620% | 1,022 |
| Net interest margin | 2.9625% | 5,282 |
| Noninterest income to average assets | 0.7666% | 1,947 |
| Noninterest expense to average assets | 3.2775% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1963% | 5,688 |
| Return on assets (ROA) | 0.2076% | 5,725 |
| Pretax return on assets | 0.2076% | 5,779 |
| Return on Equity (ROE) | 2.3419% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.3419% | 4,714 |
| Net charge-offs to loans | 0.0045% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 61.1140% | 911 |
| Efficiency ratio | 94.3489% | 470 |
| Assets per employee ($millions) | 3.9685% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 3,625 |
| Loan loss allowance to noncurrent loans | 74.7446% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2076% | 1,955 |
| Noncurrent loans to loans | 1.6118% | 1,533 |
| Net loans and leases to total assets | 72.7545% | 1,942 |
| Net loans and leases to deposits | 84.3894% | 2,359 |
| Net loans and leases to core deposits | 101.6872% | 1,400 |
| Total domestic deposits to total assets | 86.2129% | 2,432 |
| Equity capital to assets | 8.8226% | 5,470 |
| Core capital (leverage) ratio | 8.6132% | 5,446 |
| Tier 1 risk-based capital ratio | 11.5234% | 5,360 |
| Total risk-based capital ratio | 12.7184% | 5,312 |
| Memoranda: | ||
| Average total assets | $414,977,750 | 1,604 |
| Average earning assets | $379,223,500 | 1,618 |
| Average equity | $36,778,750 | 1,957 |
| Average total loans | $298,931,750 | 1,483 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6283% | 4,644 |
| Cost of funding earning assets | 0.6426% | 1,145 |
| Net interest margin | 2.9856% | 5,255 |
| Noninterest income to average assets | 0.8240% | 1,682 |
| Noninterest expense to average assets | 3.3151% | 1,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2353% | 5,618 |
| Return on assets (ROA) | 0.2527% | 5,653 |
| Pretax return on assets | 0.2527% | 5,734 |
| Return on Equity (ROE) | 2.8472% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.8472% | 4,222 |
| Net charge-offs to loans | -0.0257% | 5,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3724% | 550 |
| Assets per employee ($millions) | 3.8343% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 3,457 |
| Loan loss allowance to noncurrent loans | 85.4591% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 2,386 |
| Noncurrent loans to loans | 1.4743% | 1,801 |
| Net loans and leases to total assets | 70.8601% | 2,187 |
| Net loans and leases to deposits | 81.6572% | 2,605 |
| Net loans and leases to core deposits | 99.6521% | 1,519 |
| Total domestic deposits to total assets | 86.7776% | 2,279 |
| Equity capital to assets | 8.7775% | 5,457 |
| Core capital (leverage) ratio | 8.6917% | 5,330 |
| Tier 1 risk-based capital ratio | 11.6454% | 5,374 |
| Total risk-based capital ratio | 12.8725% | 5,305 |
| Memoranda: | ||
| Average total assets | $413,083,670 | 1,621 |
| Average earning assets | $377,204,330 | 1,635 |
| Average equity | $36,667,330 | 1,963 |
| Average total loans | $295,315,330 | 1,500 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6069% | 4,670 |
| Cost of funding earning assets | 0.6214% | 1,294 |
| Net interest margin | 2.9855% | 5,258 |
| Noninterest income to average assets | 1.0744% | 978 |
| Noninterest expense to average assets | 3.2758% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5221% | 4,574 |
| Return on assets (ROA) | 0.5221% | 4,690 |
| Pretax return on assets | 0.5221% | 5,117 |
| Return on Equity (ROE) | 5.8486% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.8486% | 2,581 |
| Net charge-offs to loans | -0.0259% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2529% | 1,161 |
| Assets per employee ($millions) | 3.7434% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 3,503 |
| Loan loss allowance to noncurrent loans | 79.9320% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 2,331 |
| Noncurrent loans to loans | 1.6044% | 1,740 |
| Net loans and leases to total assets | 70.9337% | 1,991 |
| Net loans and leases to deposits | 82.2968% | 2,301 |
| Net loans and leases to core deposits | 97.7883% | 1,492 |
| Total domestic deposits to total assets | 86.1925% | 2,831 |
| Equity capital to assets | 9.1258% | 5,164 |
| Core capital (leverage) ratio | 8.8291% | 5,161 |
| Tier 1 risk-based capital ratio | 11.4588% | 5,580 |
| Total risk-based capital ratio | 12.6597% | 5,509 |
| Memoranda: | ||
| Average total assets | $410,654,000 | 1,639 |
| Average earning assets | $374,612,500 | 1,651 |
| Average equity | $36,658,500 | 1,979 |
| Average total loans | $293,006,000 | 1,513 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 4,554 |
| Cost of funding earning assets | 0.8094% | 621 |
| Net interest margin | 2.9688% | 5,510 |
| Noninterest income to average assets | 0.6330% | 2,658 |
| Noninterest expense to average assets | 3.9558% | 799 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.6232% | 6,324 |
| Return on assets (ROA) | -0.7240% | 6,333 |
| Pretax return on assets | -0.7240% | 6,322 |
| Return on Equity (ROE) | -8.2644% | 6,339 |
| Retained earnings to average equity (ytd only) | -8.2644% | 6,274 |
| Net charge-offs to loans | 0.0318% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -28.5806% | 4,940 |
| Efficiency ratio | 118.6999% | 136 |
| Assets per employee ($millions) | 3.8624% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 3,557 |
| Loan loss allowance to noncurrent loans | 74.7005% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.2510% | 2,254 |
| Noncurrent loans to loans | 1.7103% | 1,708 |
| Net loans and leases to total assets | 69.9482% | 2,244 |
| Net loans and leases to deposits | 82.1105% | 2,454 |
| Net loans and leases to core deposits | 96.2849% | 1,693 |
| Total domestic deposits to total assets | 85.1879% | 3,212 |
| Equity capital to assets | 8.7547% | 5,530 |
| Core capital (leverage) ratio | 8.4228% | 5,640 |
| Tier 1 risk-based capital ratio | 11.0086% | 5,904 |
| Total risk-based capital ratio | 12.1957% | 5,859 |
| Memoranda: | ||
| Average total assets | $426,511,400 | 1,558 |
| Average earning assets | $387,830,200 | 1,569 |
| Average equity | $37,365,200 | 1,881 |
| Average total loans | $292,023,400 | 1,464 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 4,569 |
| Cost of funding earning assets | 0.8721% | 482 |
| Net interest margin | 2.9205% | 5,660 |
| Noninterest income to average assets | 0.5993% | 2,876 |
| Noninterest expense to average assets | 4.1489% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.8965% | 6,449 |
| Return on assets (ROA) | -1.0299% | 6,463 |
| Pretax return on assets | -1.0299% | 6,449 |
| Return on Equity (ROE) | -11.7536% | 6,464 |
| Retained earnings to average equity (ytd only) | -11.7536% | 6,408 |
| Net charge-offs to loans | -0.0224% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.5632% | 96 |
| Assets per employee ($millions) | 4.0856% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 3,732 |
| Loan loss allowance to noncurrent loans | 64.8572% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 2,109 |
| Noncurrent loans to loans | 1.9791% | 1,610 |
| Net loans and leases to total assets | 70.9642% | 2,033 |
| Net loans and leases to deposits | 81.5811% | 2,478 |
| Net loans and leases to core deposits | 94.9635% | 1,764 |
| Total domestic deposits to total assets | 86.9861% | 2,329 |
| Equity capital to assets | 8.4910% | 5,804 |
| Core capital (leverage) ratio | 8.3376% | 5,815 |
| Tier 1 risk-based capital ratio | 10.9735% | 6,003 |
| Total risk-based capital ratio | 12.1903% | 5,973 |
| Memoranda: | ||
| Average total assets | $429,820,250 | 1,556 |
| Average earning assets | $390,474,750 | 1,573 |
| Average equity | $37,661,250 | 1,878 |
| Average total loans | $291,824,250 | 1,476 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 4,917 |
| Cost of funding earning assets | 0.8772% | 487 |
| Net interest margin | 2.8051% | 5,895 |
| Noninterest income to average assets | 0.7393% | 2,096 |
| Noninterest expense to average assets | 3.1057% | 2,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1798% | 5,895 |
| Return on assets (ROA) | 0.2324% | 5,819 |
| Pretax return on assets | 0.2324% | 5,903 |
| Return on Equity (ROE) | 2.6263% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.6263% | 4,530 |
| Net charge-offs to loans | -0.0049% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5288% | 617 |
| Assets per employee ($millions) | 4.1945% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 3,905 |
| Loan loss allowance to noncurrent loans | 52.1308% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.7075% | 1,912 |
| Noncurrent loans to loans | 2.4755% | 1,258 |
| Net loans and leases to total assets | 66.7096% | 2,638 |
| Net loans and leases to deposits | 82.1607% | 2,234 |
| Net loans and leases to core deposits | 97.9330% | 1,450 |
| Total domestic deposits to total assets | 81.1940% | 4,919 |
| Equity capital to assets | 8.8902% | 5,420 |
| Core capital (leverage) ratio | 8.6715% | 5,447 |
| Tier 1 risk-based capital ratio | 11.9258% | 5,581 |
| Total risk-based capital ratio | 13.1297% | 5,528 |
| Memoranda: | ||
| Average total assets | $432,823,000 | 1,548 |
| Average earning assets | $392,856,330 | 1,565 |
| Average equity | $38,304,670 | 1,845 |
| Average total loans | $288,262,670 | 1,488 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,885 |
| Cost of funding earning assets | 0.8747% | 519 |
| Net interest margin | 2.8143% | 5,908 |
| Noninterest income to average assets | 0.8829% | 1,445 |
| Noninterest expense to average assets | 3.2548% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1781% | 5,858 |
| Return on assets (ROA) | 0.2154% | 5,809 |
| Pretax return on assets | 0.2154% | 5,895 |
| Return on Equity (ROE) | 2.4393% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.4393% | 4,607 |
| Net charge-offs to loans | 0.1072% | 2,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.5132% | 2,860 |
| Efficiency ratio | 94.8126% | 704 |
| Assets per employee ($millions) | 3.9023% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,103 |
| Loan loss allowance to noncurrent loans | 47.3843% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 2.1428% | 1,563 |
| Noncurrent loans to loans | 2.7518% | 1,220 |
| Net loans and leases to total assets | 66.2845% | 2,517 |
| Net loans and leases to deposits | 81.9537% | 2,044 |
| Net loans and leases to core deposits | 93.4100% | 1,604 |
| Total domestic deposits to total assets | 80.8804% | 5,265 |
| Equity capital to assets | 8.9111% | 5,216 |
| Core capital (leverage) ratio | 8.7949% | 5,270 |
| Tier 1 risk-based capital ratio | 11.7236% | 5,800 |
| Total risk-based capital ratio | 12.8959% | 5,785 |
| Memoranda: | ||
| Average total assets | $429,025,500 | 1,566 |
| Average earning assets | $388,723,500 | 1,590 |
| Average equity | $37,880,000 | 1,860 |
| Average total loans | $283,573,000 | 1,510 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 4,637 |
| Cost of funding earning assets | 0.9768% | 508 |
| Net interest margin | 2.8705% | 5,851 |
| Noninterest income to average assets | 0.7182% | 2,444 |
| Noninterest expense to average assets | 3.4193% | 1,842 |
| Loan and lease loss provision to assets | -0.1405% | 6,532 |
| Net operating income to assets | 0.0269% | 6,168 |
| Return on assets (ROA) | 0.2853% | 5,665 |
| Pretax return on assets | 0.2853% | 5,768 |
| Return on Equity (ROE) | 3.1683% | 5,444 |
| Retained earnings to average equity (ytd only) | 3.1683% | 3,981 |
| Net charge-offs to loans | 0.3409% | 1,976 |
| Credit loss provision to net charge-offs | -63.8978% | 5,821 |
| Earnings coverage of net charge-offs (x) | -0.5165% | 5,199 |
| Efficiency ratio | 103.4365% | 386 |
| Assets per employee ($millions) | 3.8631% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 3,770 |
| Loan loss allowance to noncurrent loans | 37.4853% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 2.8293% | 1,143 |
| Noncurrent loans to loans | 3.6678% | 824 |
| Net loans and leases to total assets | 64.1385% | 3,020 |
| Net loans and leases to deposits | 79.3172% | 2,551 |
| Net loans and leases to core deposits | 90.6259% | 1,950 |
| Total domestic deposits to total assets | 80.8633% | 5,217 |
| Equity capital to assets | 8.7474% | 5,311 |
| Core capital (leverage) ratio | 8.7916% | 5,297 |
| Tier 1 risk-based capital ratio | 11.8962% | 5,679 |
| Total risk-based capital ratio | 13.1106% | 5,638 |
| Memoranda: | ||
| Average total assets | $426,926,800 | 1,549 |
| Average earning assets | $384,845,600 | 1,570 |
| Average equity | $38,443,800 | 1,811 |
| Average total loans | $275,459,600 | 1,530 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 4,525 |
| Cost of funding earning assets | 0.9994% | 494 |
| Net interest margin | 2.8948% | 5,829 |
| Noninterest income to average assets | 0.7988% | 2,154 |
| Noninterest expense to average assets | 3.4097% | 1,804 |
| Loan and lease loss provision to assets | -0.1876% | 6,712 |
| Net operating income to assets | 0.1838% | 5,951 |
| Return on assets (ROA) | 0.4952% | 4,981 |
| Pretax return on assets | 0.4952% | 5,370 |
| Return on Equity (ROE) | 5.4604% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.4604% | 2,747 |
| Net charge-offs to loans | 0.1088% | 3,451 |
| Credit loss provision to net charge-offs | -267.8571% | 5,950 |
| Earnings coverage of net charge-offs (x) | -0.0536% | 4,870 |
| Efficiency ratio | 100.1102% | 463 |
| Assets per employee ($millions) | 3.9268% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 2,763 |
| Loan loss allowance to noncurrent loans | 32.9854% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 3.4106% | 1,007 |
| Noncurrent loans to loans | 5.0323% | 592 |
| Net loans and leases to total assets | 62.4053% | 3,285 |
| Net loans and leases to deposits | 77.1115% | 2,809 |
| Net loans and leases to core deposits | 87.7614% | 2,217 |
| Total domestic deposits to total assets | 80.9287% | 5,233 |
| Equity capital to assets | 8.8146% | 5,403 |
| Core capital (leverage) ratio | 8.8122% | 5,394 |
| Tier 1 risk-based capital ratio | 12.1435% | 5,686 |
| Total risk-based capital ratio | 13.3962% | 5,623 |
| Memoranda: | ||
| Average total assets | $426,458,500 | 1,560 |
| Average earning assets | $384,080,500 | 1,583 |
| Average equity | $38,677,500 | 1,816 |
| Average total loans | $274,609,500 | 1,539 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 4,236 |
| Cost of funding earning assets | 1.0331% | 460 |
| Net interest margin | 2.9343% | 5,718 |
| Noninterest income to average assets | 0.8591% | 1,971 |
| Noninterest expense to average assets | 3.5212% | 1,558 |
| Loan and lease loss provision to assets | -0.2826% | 6,824 |
| Net operating income to assets | 0.2586% | 5,750 |
| Return on assets (ROA) | 0.3744% | 5,478 |
| Pretax return on assets | 0.3744% | 5,693 |
| Return on Equity (ROE) | 4.0897% | 5,185 |
| Retained earnings to average equity (ytd only) | 4.0897% | 3,691 |
| Net charge-offs to loans | -0.0357% | 6,140 |
| Credit loss provision to net charge-offs | 1,224.4898% | 256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6869% | 464 |
| Assets per employee ($millions) | 3.8382% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 2,342 |
| Loan loss allowance to noncurrent loans | 32.8319% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 3.9119% | 905 |
| Noncurrent loans to loans | 5.5633% | 547 |
| Net loans and leases to total assets | 61.3996% | 3,405 |
| Net loans and leases to deposits | 76.3611% | 2,825 |
| Net loans and leases to core deposits | 86.6080% | 2,272 |
| Total domestic deposits to total assets | 80.4069% | 5,504 |
| Equity capital to assets | 9.1144% | 5,086 |
| Core capital (leverage) ratio | 8.7695% | 5,328 |
| Tier 1 risk-based capital ratio | 11.9655% | 5,808 |
| Total risk-based capital ratio | 13.2325% | 5,750 |
| Memoranda: | ||
| Average total assets | $424,627,330 | 1,571 |
| Average earning assets | $381,766,000 | 1,591 |
| Average equity | $38,878,330 | 1,804 |
| Average total loans | $274,775,670 | 1,537 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 4,251 |
| Cost of funding earning assets | 1.0510% | 470 |
| Net interest margin | 2.9133% | 5,786 |
| Noninterest income to average assets | 1.0332% | 1,386 |
| Noninterest expense to average assets | 3.4257% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2217% | 5,814 |
| Return on assets (ROA) | 0.2386% | 5,891 |
| Pretax return on assets | 0.2386% | 5,994 |
| Return on Equity (ROE) | 2.6000% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.6000% | 4,721 |
| Net charge-offs to loans | 0.2984% | 1,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.1292% | 3,457 |
| Efficiency ratio | 93.9222% | 842 |
| Assets per employee ($millions) | 3.7237% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9484% | 2,181 |
| Loan loss allowance to noncurrent loans | 33.3894% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 4.3198% | 873 |
| Noncurrent loans to loans | 5.8354% | 581 |
| Net loans and leases to total assets | 61.7719% | 3,112 |
| Net loans and leases to deposits | 76.9207% | 2,497 |
| Net loans and leases to core deposits | 87.4562% | 1,964 |
| Total domestic deposits to total assets | 80.3060% | 5,690 |
| Equity capital to assets | 9.3024% | 5,127 |
| Core capital (leverage) ratio | 8.6700% | 5,364 |
| Tier 1 risk-based capital ratio | 11.9154% | 5,968 |
| Total risk-based capital ratio | 13.1841% | 5,923 |
| Memoranda: | ||
| Average total assets | $425,841,000 | 1,579 |
| Average earning assets | $382,113,000 | 1,601 |
| Average equity | $39,077,000 | 1,813 |
| Average total loans | $280,137,500 | 1,525 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 4,536 |
| Cost of funding earning assets | 1.1792% | 634 |
| Net interest margin | 3.0340% | 5,967 |
| Noninterest income to average assets | 1.4047% | 786 |
| Noninterest expense to average assets | 3.3581% | 2,158 |
| Loan and lease loss provision to assets | 0.6876% | 757 |
| Net operating income to assets | 0.0919% | 6,023 |
| Return on assets (ROA) | 0.2162% | 5,932 |
| Pretax return on assets | 0.2162% | 5,966 |
| Return on Equity (ROE) | 2.4754% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.4754% | 4,490 |
| Net charge-offs to loans | 1.8626% | 419 |
| Credit loss provision to net charge-offs | 55.1351% | 4,576 |
| Earnings coverage of net charge-offs (x) | 0.6250% | 5,174 |
| Efficiency ratio | 81.1600% | 1,989 |
| Assets per employee ($millions) | 3.9173% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 2,525 |
| Loan loss allowance to noncurrent loans | 43.9591% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 3.7937% | 1,157 |
| Noncurrent loans to loans | 4.1415% | 1,106 |
| Net loans and leases to total assets | 67.2571% | 2,326 |
| Net loans and leases to deposits | 84.6811% | 1,677 |
| Net loans and leases to core deposits | 94.1890% | 1,452 |
| Total domestic deposits to total assets | 79.4240% | 5,799 |
| Equity capital to assets | 9.0534% | 5,463 |
| Core capital (leverage) ratio | 8.4358% | 5,711 |
| Tier 1 risk-based capital ratio | 11.1409% | 6,294 |
| Total risk-based capital ratio | 12.4069% | 6,256 |
| Memoranda: | ||
| Average total assets | $445,007,800 | 1,481 |
| Average earning assets | $400,862,600 | 1,501 |
| Average equity | $38,861,800 | 1,784 |
| Average total loans | $297,965,000 | 1,406 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 4,611 |
| Cost of funding earning assets | 1.1971% | 699 |
| Net interest margin | 3.0624% | 6,038 |
| Noninterest income to average assets | 1.3605% | 805 |
| Noninterest expense to average assets | 3.1643% | 2,672 |
| Loan and lease loss provision to assets | 0.4310% | 1,472 |
| Net operating income to assets | 0.5241% | 4,739 |
| Return on assets (ROA) | 0.6843% | 4,245 |
| Pretax return on assets | 0.6843% | 4,914 |
| Return on Equity (ROE) | 7.9055% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.9055% | 1,652 |
| Net charge-offs to loans | 1.5866% | 529 |
| Credit loss provision to net charge-offs | 40.7991% | 4,598 |
| Earnings coverage of net charge-offs (x) | 0.9041% | 4,878 |
| Efficiency ratio | 76.8148% | 2,549 |
| Assets per employee ($millions) | 3.8673% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 2,004 |
| Loan loss allowance to noncurrent loans | 32.4783% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 5.0733% | 879 |
| Noncurrent loans to loans | 6.3487% | 614 |
| Net loans and leases to total assets | 61.5275% | 3,473 |
| Net loans and leases to deposits | 75.9522% | 2,985 |
| Net loans and leases to core deposits | 84.5945% | 2,629 |
| Total domestic deposits to total assets | 81.0081% | 5,356 |
| Equity capital to assets | 9.0802% | 5,741 |
| Core capital (leverage) ratio | 8.5190% | 5,722 |
| Tier 1 risk-based capital ratio | 11.5063% | 6,226 |
| Total risk-based capital ratio | 12.7771% | 6,182 |
| Memoranda: | ||
| Average total assets | $448,534,750 | 1,488 |
| Average earning assets | $404,074,750 | 1,512 |
| Average equity | $38,824,500 | 1,807 |
| Average total loans | $298,660,000 | 1,418 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1884% | 4,992 |
| Cost of funding earning assets | 1.2198% | 752 |
| Net interest margin | 2.9686% | 6,298 |
| Noninterest income to average assets | 1.5629% | 605 |
| Noninterest expense to average assets | 3.2419% | 2,460 |
| Loan and lease loss provision to assets | 0.3557% | 1,856 |
| Net operating income to assets | 0.6381% | 4,182 |
| Return on assets (ROA) | 0.8777% | 3,261 |
| Pretax return on assets | 0.8777% | 4,163 |
| Return on Equity (ROE) | 10.3067% | 2,234 |
| Retained earnings to average equity (ytd only) | 10.3067% | 888 |
| Net charge-offs to loans | 1.1649% | 930 |
| Credit loss provision to net charge-offs | 45.0197% | 4,150 |
| Earnings coverage of net charge-offs (x) | 1.2577% | 4,381 |
| Efficiency ratio | 76.5379% | 2,664 |
| Assets per employee ($millions) | 3.9454% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4002% | 1,411 |
| Loan loss allowance to noncurrent loans | 33.1313% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 5.4591% | 822 |
| Noncurrent loans to loans | 7.2444% | 524 |
| Net loans and leases to total assets | 62.8166% | 3,269 |
| Net loans and leases to deposits | 77.2988% | 2,783 |
| Net loans and leases to core deposits | 86.2319% | 2,398 |
| Total domestic deposits to total assets | 81.2646% | 5,371 |
| Equity capital to assets | 8.8853% | 5,823 |
| Core capital (leverage) ratio | 8.4016% | 5,784 |
| Tier 1 risk-based capital ratio | 11.4084% | 6,275 |
| Total risk-based capital ratio | 12.6813% | 6,233 |
| Memoranda: | ||
| Average total assets | $449,800,330 | 1,482 |
| Average earning assets | $404,974,670 | 1,503 |
| Average equity | $38,305,000 | 1,824 |
| Average total loans | $305,081,000 | 1,381 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 5,130 |
| Cost of funding earning assets | 1.2415% | 805 |
| Net interest margin | 2.9511% | 6,386 |
| Noninterest income to average assets | 1.5990% | 565 |
| Noninterest expense to average assets | 3.3600% | 2,114 |
| Loan and lease loss provision to assets | 0.2656% | 2,337 |
| Net operating income to assets | 0.6251% | 4,239 |
| Return on assets (ROA) | 0.9952% | 2,692 |
| Pretax return on assets | 0.9952% | 3,695 |
| Return on Equity (ROE) | 11.9412% | 1,688 |
| Retained earnings to average equity (ytd only) | 11.9412% | 830 |
| Net charge-offs to loans | -0.0115% | 5,989 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0460% | 2,345 |
| Assets per employee ($millions) | 3.8576% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6970% | 1,118 |
| Loan loss allowance to noncurrent loans | 35.8119% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 6.0481% | 777 |
| Noncurrent loans to loans | 7.5309% | 555 |
| Net loans and leases to total assets | 65.8955% | 2,488 |
| Net loans and leases to deposits | 81.8518% | 1,955 |
| Net loans and leases to core deposits | 90.8011% | 1,770 |
| Total domestic deposits to total assets | 80.5059% | 5,722 |
| Equity capital to assets | 8.4721% | 6,110 |
| Core capital (leverage) ratio | 8.3035% | 5,865 |
| Tier 1 risk-based capital ratio | 10.4665% | 6,751 |
| Total risk-based capital ratio | 11.7296% | 6,737 |
| Memoranda: | ||
| Average total assets | $451,788,000 | 1,477 |
| Average earning assets | $405,953,000 | 1,498 |
| Average equity | $37,651,000 | 1,850 |
| Average total loans | $314,152,000 | 1,357 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4858% | 5,136 |
| Cost of funding earning assets | 1.5729% | 529 |
| Net interest margin | 2.9129% | 6,668 |
| Noninterest income to average assets | 0.8952% | 1,683 |
| Noninterest expense to average assets | 3.5614% | 1,828 |
| Loan and lease loss provision to assets | 1.1306% | 801 |
| Net operating income to assets | -1.1787% | 6,812 |
| Return on assets (ROA) | -0.7322% | 6,651 |
| Pretax return on assets | -0.7423% | 6,618 |
| Return on Equity (ROE) | -8.5148% | 6,694 |
| Retained earnings to average equity (ytd only) | -8.5148% | 6,645 |
| Net charge-offs to loans | 1.3627% | 1,209 |
| Credit loss provision to net charge-offs | 127.3268% | 2,438 |
| Earnings coverage of net charge-offs (x) | -0.0707% | 5,882 |
| Efficiency ratio | 101.7943% | 625 |
| Assets per employee ($millions) | 3.6782% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0473% | 2,137 |
| Loan loss allowance to noncurrent loans | 42.2901% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 4.4583% | 1,236 |
| Noncurrent loans to loans | 4.8411% | 1,192 |
| Net loans and leases to total assets | 69.8544% | 2,062 |
| Net loans and leases to deposits | 86.8454% | 1,556 |
| Net loans and leases to core deposits | 96.1159% | 1,482 |
| Total domestic deposits to total assets | 80.4353% | 5,613 |
| Equity capital to assets | 8.1981% | 6,438 |
| Core capital (leverage) ratio | 7.7653% | 6,475 |
| Tier 1 risk-based capital ratio | 9.1070% | 7,021 |
| Total risk-based capital ratio | 10.3652% | 7,019 |
| Memoranda: | ||
| Average total assets | $473,103,000 | 1,400 |
| Average earning assets | $422,841,200 | 1,424 |
| Average equity | $40,682,200 | 1,654 |
| Average total loans | $308,294,400 | 1,377 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 5,330 |
| Cost of funding earning assets | 1.6608% | 459 |
| Net interest margin | 2.8143% | 6,870 |
| Noninterest income to average assets | 0.9058% | 1,627 |
| Noninterest expense to average assets | 3.2514% | 2,656 |
| Loan and lease loss provision to assets | 0.7480% | 1,274 |
| Net operating income to assets | -0.4759% | 6,627 |
| Return on assets (ROA) | -0.0612% | 6,329 |
| Pretax return on assets | -0.0746% | 6,311 |
| Return on Equity (ROE) | -0.7035% | 6,343 |
| Retained earnings to average equity (ytd only) | -0.7035% | 6,103 |
| Net charge-offs to loans | 1.5721% | 900 |
| Credit loss provision to net charge-offs | 74.7001% | 4,333 |
| Earnings coverage of net charge-offs (x) | 0.1674% | 5,478 |
| Efficiency ratio | 95.0984% | 864 |
| Assets per employee ($millions) | 3.8513% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 4,000 |
| Loan loss allowance to noncurrent loans | 27.5332% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 4.5866% | 1,297 |
| Noncurrent loans to loans | 5.5239% | 1,073 |
| Net loans and leases to total assets | 62.4097% | 3,629 |
| Net loans and leases to deposits | 77.0684% | 3,159 |
| Net loans and leases to core deposits | 85.5545% | 2,839 |
| Total domestic deposits to total assets | 80.9796% | 5,437 |
| Equity capital to assets | 8.6049% | 6,196 |
| Core capital (leverage) ratio | 8.2377% | 6,077 |
| Tier 1 risk-based capital ratio | 10.4492% | 6,799 |
| Total risk-based capital ratio | 11.7005% | 6,780 |
| Memoranda: | ||
| Average total assets | $477,355,500 | 1,399 |
| Average earning assets | $426,284,000 | 1,428 |
| Average equity | $41,505,000 | 1,626 |
| Average total loans | $304,053,000 | 1,410 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 5,052 |
| Cost of funding earning assets | 1.7496% | 388 |
| Net interest margin | 2.8308% | 6,886 |
| Noninterest income to average assets | 0.7857% | 2,093 |
| Noninterest expense to average assets | 3.2697% | 2,671 |
| Loan and lease loss provision to assets | 0.1844% | 4,076 |
| Net operating income to assets | -0.0898% | 6,340 |
| Return on assets (ROA) | 0.2116% | 5,818 |
| Pretax return on assets | 0.3315% | 5,595 |
| Return on Equity (ROE) | 2.4254% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.4254% | 4,746 |
| Net charge-offs to loans | 1.0331% | 1,523 |
| Credit loss provision to net charge-offs | 27.9720% | 5,022 |
| Earnings coverage of net charge-offs (x) | 0.0680% | 5,239 |
| Efficiency ratio | 98.6473% | 771 |
| Assets per employee ($millions) | 3.8894% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 4,362 |
| Loan loss allowance to noncurrent loans | 25.2320% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 4.6303% | 1,350 |
| Noncurrent loans to loans | 5.7330% | 1,074 |
| Net loans and leases to total assets | 61.8321% | 3,918 |
| Net loans and leases to deposits | 79.0990% | 2,954 |
| Net loans and leases to core deposits | 88.0583% | 2,640 |
| Total domestic deposits to total assets | 78.1706% | 6,256 |
| Equity capital to assets | 8.6558% | 5,997 |
| Core capital (leverage) ratio | 8.4153% | 5,686 |
| Tier 1 risk-based capital ratio | 10.8220% | 6,641 |
| Total risk-based capital ratio | 12.0724% | 6,617 |
| Memoranda: | ||
| Average total assets | $477,285,000 | 1,407 |
| Average earning assets | $426,378,670 | 1,433 |
| Average equity | $41,642,000 | 1,610 |
| Average total loans | $304,520,330 | 1,418 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 4,886 |
| Cost of funding earning assets | 1.7793% | 408 |
| Net interest margin | 2.8348% | 6,861 |
| Noninterest income to average assets | 0.9958% | 1,340 |
| Noninterest expense to average assets | 3.3345% | 2,457 |
| Loan and lease loss provision to assets | 0.1820% | 3,796 |
| Net operating income to assets | 0.0623% | 6,203 |
| Return on assets (ROA) | 0.0623% | 6,248 |
| Pretax return on assets | 0.0135% | 6,334 |
| Return on Equity (ROE) | 0.7117% | 6,212 |
| Retained earnings to average equity (ytd only) | 0.7117% | 5,539 |
| Net charge-offs to loans | 2.0479% | 623 |
| Credit loss provision to net charge-offs | 13.8107% | 4,347 |
| Earnings coverage of net charge-offs (x) | 0.1483% | 4,492 |
| Efficiency ratio | 94.4630% | 1,014 |
| Assets per employee ($millions) | 3.9279% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 4,623 |
| Loan loss allowance to noncurrent loans | 24.1401% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 4.4778% | 1,451 |
| Noncurrent loans to loans | 5.8329% | 1,104 |
| Net loans and leases to total assets | 59.8316% | 4,298 |
| Net loans and leases to deposits | 79.1882% | 2,856 |
| Net loans and leases to core deposits | 88.0122% | 2,600 |
| Total domestic deposits to total assets | 75.5562% | 6,733 |
| Equity capital to assets | 8.5676% | 5,818 |
| Core capital (leverage) ratio | 8.2984% | 5,814 |
| Tier 1 risk-based capital ratio | 10.6952% | 6,690 |
| Total risk-based capital ratio | 11.9075% | 6,704 |
| Memoranda: | ||
| Average total assets | $474,787,500 | 1,425 |
| Average earning assets | $424,446,000 | 1,447 |
| Average equity | $41,590,500 | 1,606 |
| Average total loans | $305,490,000 | 1,430 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 5,556 |
| Cost of funding earning assets | 2.0682% | 476 |
| Net interest margin | 2.6975% | 7,124 |
| Noninterest income to average assets | 0.7857% | 2,350 |
| Noninterest expense to average assets | 2.9553% | 4,017 |
| Loan and lease loss provision to assets | 2.3824% | 488 |
| Net operating income to assets | -1.6860% | 6,966 |
| Return on assets (ROA) | -1.6786% | 6,987 |
| Pretax return on assets | -2.1085% | 7,061 |
| Return on Equity (ROE) | -18.1250% | 7,001 |
| Retained earnings to average equity (ytd only) | -18.1250% | 6,972 |
| Net charge-offs to loans | 2.6953% | 672 |
| Credit loss provision to net charge-offs | 132.3185% | 2,972 |
| Earnings coverage of net charge-offs (x) | 0.1470% | 5,968 |
| Efficiency ratio | 91.7810% | 1,197 |
| Assets per employee ($millions) | 3.7911% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 3,045 |
| Loan loss allowance to noncurrent loans | 25.1243% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 5.0775% | 1,253 |
| Noncurrent loans to loans | 6.9534% | 814 |
| Net loans and leases to total assets | 67.0016% | 3,226 |
| Net loans and leases to deposits | 88.9591% | 1,655 |
| Net loans and leases to core deposits | 102.8128% | 1,397 |
| Total domestic deposits to total assets | 75.3173% | 6,727 |
| Equity capital to assets | 8.9622% | 5,195 |
| Core capital (leverage) ratio | 8.6029% | 5,190 |
| Tier 1 risk-based capital ratio | 10.3215% | 6,814 |
| Total risk-based capital ratio | 11.5756% | 6,786 |
| Memoranda: | ||
| Average total assets | $498,026,800 | 1,351 |
| Average earning assets | $449,417,800 | 1,359 |
| Average equity | $46,124,200 | 1,455 |
| Average total loans | $332,685,800 | 1,339 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 5,797 |
| Cost of funding earning assets | 2.1034% | 532 |
| Net interest margin | 2.6638% | 7,268 |
| Noninterest income to average assets | 0.6710% | 3,009 |
| Noninterest expense to average assets | 2.8778% | 4,170 |
| Loan and lease loss provision to assets | 3.0779% | 275 |
| Net operating income to assets | -2.3022% | 7,303 |
| Return on assets (ROA) | -2.3091% | 7,322 |
| Pretax return on assets | -2.8851% | 7,394 |
| Return on Equity (ROE) | -24.7503% | 7,313 |
| Retained earnings to average equity (ytd only) | -24.7503% | 7,301 |
| Net charge-offs to loans | 3.4250% | 409 |
| Credit loss provision to net charge-offs | 135.1738% | 2,977 |
| Earnings coverage of net charge-offs (x) | 0.0885% | 5,938 |
| Efficiency ratio | 93.4569% | 1,031 |
| Assets per employee ($millions) | 3.9461% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 3,096 |
| Loan loss allowance to noncurrent loans | 34.6715% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 3.5418% | 2,007 |
| Noncurrent loans to loans | 4.9599% | 1,406 |
| Net loans and leases to total assets | 66.0716% | 3,674 |
| Net loans and leases to deposits | 85.2648% | 2,474 |
| Net loans and leases to core deposits | 97.3042% | 2,116 |
| Total domestic deposits to total assets | 77.4898% | 6,369 |
| Equity capital to assets | 8.5880% | 6,174 |
| Core capital (leverage) ratio | 8.0553% | 6,269 |
| Tier 1 risk-based capital ratio | 10.0510% | 7,036 |
| Total risk-based capital ratio | 11.3010% | 7,024 |
| Memoranda: | ||
| Average total assets | $506,906,000 | 1,327 |
| Average earning assets | $458,285,750 | 1,351 |
| Average equity | $47,292,500 | 1,423 |
| Average total loans | $337,007,500 | 1,340 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7484% | 5,982 |
| Cost of funding earning assets | 2.1304% | 595 |
| Net interest margin | 2.6180% | 7,335 |
| Noninterest income to average assets | 0.7305% | 2,513 |
| Noninterest expense to average assets | 2.8582% | 4,234 |
| Loan and lease loss provision to assets | 0.4641% | 2,997 |
| Net operating income to assets | -0.0919% | 6,216 |
| Return on assets (ROA) | -0.0577% | 6,252 |
| Pretax return on assets | -0.1681% | 6,307 |
| Return on Equity (ROE) | -0.6035% | 6,273 |
| Retained earnings to average equity (ytd only) | -0.6035% | 5,876 |
| Net charge-offs to loans | 0.9226% | 1,989 |
| Credit loss provision to net charge-offs | 75.9413% | 4,813 |
| Earnings coverage of net charge-offs (x) | 0.3969% | 5,338 |
| Efficiency ratio | 92.1761% | 1,178 |
| Assets per employee ($millions) | 4.0206% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6716% | 7,300 |
| Loan loss allowance to noncurrent loans | 9.9510% | 7,264 |
| Noncurrent assets plus other real estate owned to assets | 4.5425% | 1,455 |
| Noncurrent loans to loans | 6.7492% | 865 |
| Net loans and leases to total assets | 64.7339% | 4,102 |
| Net loans and leases to deposits | 85.4947% | 2,605 |
| Net loans and leases to core deposits | 99.5659% | 2,065 |
| Total domestic deposits to total assets | 75.7168% | 6,748 |
| Equity capital to assets | 9.7313% | 4,366 |
| Core capital (leverage) ratio | 9.4476% | 3,899 |
| Tier 1 risk-based capital ratio | 12.0231% | 5,290 |
| Total risk-based capital ratio | 12.6268% | 5,862 |
| Memoranda: | ||
| Average total assets | $512,767,670 | 1,320 |
| Average earning assets | $464,242,670 | 1,339 |
| Average equity | $49,049,000 | 1,367 |
| Average total loans | $339,690,330 | 1,342 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 6,161 |
| Cost of funding earning assets | 2.1812% | 631 |
| Net interest margin | 2.5424% | 7,438 |
| Noninterest income to average assets | 0.7084% | 2,538 |
| Noninterest expense to average assets | 2.8748% | 4,166 |
| Loan and lease loss provision to assets | 0.5037% | 2,483 |
| Net operating income to assets | -0.1782% | 6,518 |
| Return on assets (ROA) | -0.1822% | 6,596 |
| Pretax return on assets | -0.3752% | 6,704 |
| Return on Equity (ROE) | -1.9208% | 6,630 |
| Retained earnings to average equity (ytd only) | -1.9208% | 6,203 |
| Net charge-offs to loans | 1.1669% | 1,449 |
| Credit loss provision to net charge-offs | 64.6354% | 4,213 |
| Earnings coverage of net charge-offs (x) | 0.1728% | 4,883 |
| Efficiency ratio | 95.5251% | 1,054 |
| Assets per employee ($millions) | 4.0586% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6652% | 7,407 |
| Loan loss allowance to noncurrent loans | 12.3509% | 7,282 |
| Noncurrent assets plus other real estate owned to assets | 3.7663% | 1,844 |
| Noncurrent loans to loans | 5.3861% | 1,313 |
| Net loans and leases to total assets | 65.9341% | 3,863 |
| Net loans and leases to deposits | 88.5810% | 2,115 |
| Net loans and leases to core deposits | 102.7137% | 1,841 |
| Total domestic deposits to total assets | 74.4336% | 6,986 |
| Equity capital to assets | 9.5313% | 4,484 |
| Core capital (leverage) ratio | 9.5231% | 3,733 |
| Tier 1 risk-based capital ratio | 11.5466% | 5,634 |
| Total risk-based capital ratio | 12.1245% | 6,254 |
| Memoranda: | ||
| Average total assets | $513,841,500 | 1,351 |
| Average earning assets | $465,074,500 | 1,366 |
| Average equity | $48,728,500 | 1,378 |
| Average total loans | $343,146,000 | 1,375 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 5,851 |
| Cost of funding earning assets | 2.8372% | 396 |
| Net interest margin | 2.3178% | 7,579 |
| Noninterest income to average assets | 0.9089% | 1,913 |
| Noninterest expense to average assets | 2.6593% | 5,558 |
| Loan and lease loss provision to assets | 0.8318% | 2,642 |
| Net operating income to assets | -0.1770% | 5,814 |
| Return on assets (ROA) | 0.0278% | 5,455 |
| Pretax return on assets | -0.1564% | 5,653 |
| Return on Equity (ROE) | 0.3026% | 5,439 |
| Retained earnings to average equity (ytd only) | 0.3026% | 4,739 |
| Net charge-offs to loans | 1.1724% | 2,088 |
| Credit loss provision to net charge-offs | 104.5005% | 5,291 |
| Earnings coverage of net charge-offs (x) | 0.4465% | 5,663 |
| Efficiency ratio | 88.2108% | 1,863 |
| Assets per employee ($millions) | 4.0977% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7530% | 7,257 |
| Loan loss allowance to noncurrent loans | 16.0442% | 7,210 |
| Noncurrent assets plus other real estate owned to assets | 3.3320% | 2,049 |
| Noncurrent loans to loans | 4.6935% | 1,496 |
| Net loans and leases to total assets | 66.6756% | 3,996 |
| Net loans and leases to deposits | 89.4792% | 2,307 |
| Net loans and leases to core deposits | 110.2924% | 2,864 |
| Total domestic deposits to total assets | 74.5152% | 6,941 |
| Equity capital to assets | 9.4355% | 4,507 |
| Core capital (leverage) ratio | 9.4450% | 3,786 |
| Tier 1 risk-based capital ratio | 10.6898% | 6,216 |
| Total risk-based capital ratio | 11.2623% | 6,828 |
| Memoranda: | ||
| Average total assets | $533,185,800 | 1,294 |
| Average earning assets | $484,424,600 | 1,303 |
| Average equity | $48,914,200 | 1,375 |
| Average total loans | $361,997,000 | 1,332 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 5,787 |
| Cost of funding earning assets | 2.9419% | 393 |
| Net interest margin | 2.2816% | 7,662 |
| Noninterest income to average assets | 1.0038% | 1,597 |
| Noninterest expense to average assets | 2.5840% | 5,769 |
| Loan and lease loss provision to assets | 0.8525% | 2,250 |
| Net operating income to assets | -0.1346% | 5,955 |
| Return on assets (ROA) | 0.0243% | 5,707 |
| Pretax return on assets | -0.1079% | 5,853 |
| Return on Equity (ROE) | 0.2669% | 5,696 |
| Retained earnings to average equity (ytd only) | 0.2669% | 5,088 |
| Net charge-offs to loans | 1.1974% | 1,698 |
| Credit loss provision to net charge-offs | 104.5967% | 4,859 |
| Earnings coverage of net charge-offs (x) | 0.6088% | 5,421 |
| Efficiency ratio | 83.8905% | 2,312 |
| Assets per employee ($millions) | 4.2155% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7289% | 7,311 |
| Loan loss allowance to noncurrent loans | 22.2337% | 6,962 |
| Noncurrent assets plus other real estate owned to assets | 2.3428% | 2,936 |
| Noncurrent loans to loans | 3.2782% | 2,307 |
| Net loans and leases to total assets | 65.9502% | 4,443 |
| Net loans and leases to deposits | 88.3104% | 2,905 |
| Net loans and leases to core deposits | 109.4144% | 3,301 |
| Total domestic deposits to total assets | 74.6800% | 6,831 |
| Equity capital to assets | 9.2714% | 5,070 |
| Core capital (leverage) ratio | 9.2005% | 4,338 |
| Tier 1 risk-based capital ratio | 10.2107% | 6,772 |
| Total risk-based capital ratio | 10.7489% | 7,335 |
| Memoranda: | ||
| Average total assets | $537,406,250 | 1,292 |
| Average earning assets | $489,062,750 | 1,303 |
| Average equity | $48,963,750 | 1,392 |
| Average total loans | $365,781,000 | 1,335 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2641% | 5,812 |
| Cost of funding earning assets | 3.1021% | 348 |
| Net interest margin | 2.1620% | 7,772 |
| Noninterest income to average assets | 1.0610% | 1,408 |
| Noninterest expense to average assets | 2.5072% | 6,095 |
| Loan and lease loss provision to assets | 0.7355% | 2,225 |
| Net operating income to assets | -0.0490% | 5,921 |
| Return on assets (ROA) | -0.0182% | 5,945 |
| Pretax return on assets | -0.1650% | 6,078 |
| Return on Equity (ROE) | -0.2005% | 5,953 |
| Retained earnings to average equity (ytd only) | -0.2005% | 5,271 |
| Net charge-offs to loans | 0.9587% | 1,814 |
| Credit loss provision to net charge-offs | 111.8377% | 4,140 |
| Earnings coverage of net charge-offs (x) | 0.7943% | 4,939 |
| Efficiency ratio | 82.7582% | 2,630 |
| Assets per employee ($millions) | 4.1216% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 7,373 |
| Loan loss allowance to noncurrent loans | 18.4735% | 7,211 |
| Noncurrent assets plus other real estate owned to assets | 2.8618% | 2,240 |
| Noncurrent loans to loans | 3.8985% | 1,745 |
| Net loans and leases to total assets | 68.7481% | 4,011 |
| Net loans and leases to deposits | 92.1271% | 2,446 |
| Net loans and leases to core deposits | 115.5672% | 2,751 |
| Total domestic deposits to total assets | 74.6230% | 6,841 |
| Equity capital to assets | 9.2429% | 4,947 |
| Core capital (leverage) ratio | 9.2504% | 4,235 |
| Tier 1 risk-based capital ratio | 10.0040% | 6,916 |
| Total risk-based capital ratio | 10.5431% | 7,531 |
| Memoranda: | ||
| Average total assets | $539,489,000 | 1,311 |
| Average earning assets | $491,213,000 | 1,318 |
| Average equity | $48,869,670 | 1,409 |
| Average total loans | $370,084,000 | 1,341 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 6,295 |
| Cost of funding earning assets | 3.2111% | 330 |
| Net interest margin | 1.9891% | 7,901 |
| Noninterest income to average assets | 1.0633% | 1,312 |
| Noninterest expense to average assets | 2.4706% | 5,953 |
| Loan and lease loss provision to assets | 0.7121% | 1,797 |
| Net operating income to assets | -0.1088% | 6,425 |
| Return on assets (ROA) | 0.0147% | 6,375 |
| Pretax return on assets | -0.1122% | 6,489 |
| Return on Equity (ROE) | 0.1635% | 6,372 |
| Retained earnings to average equity (ytd only) | 0.1635% | 5,592 |
| Net charge-offs to loans | 0.6411% | 1,897 |
| Credit loss provision to net charge-offs | 162.6466% | 2,615 |
| Earnings coverage of net charge-offs (x) | 0.9296% | 4,304 |
| Efficiency ratio | 85.8563% | 2,084 |
| Assets per employee ($millions) | 4.2701% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 7,280 |
| Loan loss allowance to noncurrent loans | 22.3047% | 7,048 |
| Noncurrent assets plus other real estate owned to assets | 2.4816% | 2,314 |
| Noncurrent loans to loans | 3.4211% | 1,868 |
| Net loans and leases to total assets | 66.5030% | 4,463 |
| Net loans and leases to deposits | 88.6327% | 3,163 |
| Net loans and leases to core deposits | 118.9993% | 2,506 |
| Total domestic deposits to total assets | 75.0321% | 6,709 |
| Equity capital to assets | 8.9761% | 5,386 |
| Core capital (leverage) ratio | 8.9503% | 4,797 |
| Tier 1 risk-based capital ratio | 10.2435% | 6,654 |
| Total risk-based capital ratio | 10.8292% | 7,291 |
| Memoranda: | ||
| Average total assets | $545,453,000 | 1,303 |
| Average earning assets | $497,522,500 | 1,302 |
| Average equity | $48,923,500 | 1,412 |
| Average total loans | $372,466,500 | 1,348 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7886% | 6,470 |
| Cost of funding earning assets | 3.6653% | 299 |
| Net interest margin | 2.1233% | 8,004 |
| Noninterest income to average assets | 0.5997% | 3,844 |
| Noninterest expense to average assets | 2.4056% | 6,371 |
| Loan and lease loss provision to assets | 0.1492% | 5,447 |
| Net operating income to assets | 0.0483% | 6,236 |
| Return on assets (ROA) | 0.1403% | 5,828 |
| Pretax return on assets | 0.0852% | 5,976 |
| Return on Equity (ROE) | 1.4968% | 5,769 |
| Retained earnings to average equity (ytd only) | 1.4968% | 4,329 |
| Net charge-offs to loans | 0.0900% | 5,457 |
| Credit loss provision to net charge-offs | 231.1377% | 2,060 |
| Earnings coverage of net charge-offs (x) | 2.2066% | 4,971 |
| Efficiency ratio | 94.4095% | 1,252 |
| Assets per employee ($millions) | 4.3201% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6394% | 7,580 |
| Loan loss allowance to noncurrent loans | 19.5874% | 7,259 |
| Noncurrent assets plus other real estate owned to assets | 2.4147% | 2,011 |
| Noncurrent loans to loans | 3.2642% | 1,602 |
| Net loans and leases to total assets | 69.1176% | 4,226 |
| Net loans and leases to deposits | 94.9373% | 2,629 |
| Net loans and leases to core deposits | 127.0207% | 2,082 |
| Total domestic deposits to total assets | 72.8034% | 6,865 |
| Equity capital to assets | 8.9625% | 5,417 |
| Core capital (leverage) ratio | 8.9768% | 4,776 |
| Tier 1 risk-based capital ratio | 10.2795% | 6,442 |
| Total risk-based capital ratio | 10.7888% | 7,181 |
| Memoranda: | ||
| Average total assets | $517,385,400 | 1,300 |
| Average earning assets | $474,722,200 | 1,303 |
| Average equity | $48,502,000 | 1,416 |
| Average total loans | $371,298,000 | 1,308 |