Home > 42 North Private Bank > Performance and Condition Ratios
42 North Private Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6515% | 984 |
| Cost of funding earning assets | 3.2940% | 102 |
| Net interest margin | 2.3575% | 4,217 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 3.5399% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -1.2667% | 4,545 |
| Return on assets (ROA) | -1.2667% | 4,539 |
| Pretax return on assets | -1.2667% | 4,535 |
| Return on Equity (ROE) | -12.9900% | 4,517 |
| Retained earnings to average equity (ytd only) | -12.9871% | 4,485 |
| Net charge-offs to loans | 0.0564% | 1,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -27.2453% | 4,568 |
| Efficiency ratio | 155.7206% | 38 |
| Assets per employee ($millions) | 12.3521% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 3,021 |
| Loan loss allowance to noncurrent loans | 60.8775% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.4082% | 280 |
| Noncurrent loans to loans | 1.7428% | 356 |
| Net loans and leases to total assets | 79.9500% | 646 |
| Net loans and leases to deposits | 104.6243% | 335 |
| Net loans and leases to core deposits | 137.6265% | 294 |
| Total domestic deposits to total assets | 76.4100% | 3,902 |
| Equity capital to assets | 8.7656% | 2,849 |
| Core capital (leverage) ratio | 8.7904% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9963% | 1,279 |
| Memoranda: | ||
| Average total assets | $228,002,400 | 2,798 |
| Average earning assets | $214,085,600 | 2,778 |
| Average equity | $22,237,400 | 2,668 |
| Average total loans | $188,017,800 | 2,373 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4335% | 1,093 |
| Cost of funding earning assets | 2.9244% | 132 |
| Net interest margin | 2.5091% | 4,133 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 3.6765% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -1.2601% | 4,579 |
| Return on assets (ROA) | -1.2601% | 4,574 |
| Pretax return on assets | -1.2601% | 4,567 |
| Return on Equity (ROE) | -12.5900% | 4,551 |
| Retained earnings to average equity (ytd only) | -12.5892% | 4,517 |
| Net charge-offs to loans | 0.1279% | 630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -11.8833% | 4,601 |
| Efficiency ratio | 152.1453% | 42 |
| Assets per employee ($millions) | 9.0135% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,323 |
| Loan loss allowance to noncurrent loans | 1,918.8119% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 3,372 |
| Noncurrent loans to loans | 0.0525% | 3,377 |
| Net loans and leases to total assets | 81.2800% | 500 |
| Net loans and leases to deposits | 113.8894% | 134 |
| Net loans and leases to core deposits | 138.3018% | 235 |
| Total domestic deposits to total assets | 71.3600% | 4,277 |
| Equity capital to assets | 9.0979% | 2,365 |
| Core capital (leverage) ratio | 9.2907% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2709% | 1,251 |
| Memoranda: | ||
| Average total assets | $226,330,750 | 2,816 |
| Average earning assets | $212,504,000 | 2,796 |
| Average equity | $22,653,750 | 2,641 |
| Average total loans | $187,612,000 | 2,384 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 1,023 |
| Cost of funding earning assets | 2.6732% | 136 |
| Net interest margin | 2.6704% | 4,010 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 3.7495% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -1.1848% | 4,605 |
| Return on assets (ROA) | -1.1848% | 4,602 |
| Pretax return on assets | -1.1848% | 4,594 |
| Return on Equity (ROE) | -11.4700% | 4,589 |
| Retained earnings to average equity (ytd only) | -11.4729% | 4,533 |
| Net charge-offs to loans | 0.2925% | 291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -4.8713% | 4,627 |
| Efficiency ratio | 146.1994% | 40 |
| Assets per employee ($millions) | 7.6299% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 3,519 |
| Loan loss allowance to noncurrent loans | 671.2727% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 2,698 |
| Noncurrent loans to loans | 0.1452% | 2,741 |
| Net loans and leases to total assets | 81.9500% | 435 |
| Net loans and leases to deposits | 108.8875% | 224 |
| Net loans and leases to core deposits | 131.5643% | 308 |
| Total domestic deposits to total assets | 75.2600% | 4,101 |
| Equity capital to assets | 9.6703% | 2,046 |
| Core capital (leverage) ratio | 9.9282% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2643% | 1,072 |
| Memoranda: | ||
| Average total assets | $223,657,333 | 2,842 |
| Average earning assets | $210,082,667 | 2,825 |
| Average equity | $23,098,000 | 2,620 |
| Average total loans | $186,012,667 | 2,383 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0355% | 1,164 |
| Cost of funding earning assets | 2.2335% | 181 |
| Net interest margin | 2.8020% | 3,940 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 3.6754% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.9971% | 4,622 |
| Return on assets (ROA) | -0.9971% | 4,613 |
| Pretax return on assets | -0.9971% | 4,604 |
| Return on Equity (ROE) | -9.3500% | 4,592 |
| Retained earnings to average equity (ytd only) | -9.3471% | 4,461 |
| Net charge-offs to loans | 0.1780% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -6.7195% | 4,660 |
| Efficiency ratio | 137.2297% | 50 |
| Assets per employee ($millions) | 9.1918% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 2,974 |
| Loan loss allowance to noncurrent loans | 993.1707% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 2,883 |
| Noncurrent loans to loans | 0.1123% | 2,959 |
| Net loans and leases to total assets | 81.7900% | 392 |
| Net loans and leases to deposits | 110.5962% | 173 |
| Net loans and leases to core deposits | 132.4208% | 251 |
| Total domestic deposits to total assets | 73.9500% | 4,289 |
| Equity capital to assets | 10.3847% | 1,618 |
| Core capital (leverage) ratio | 10.4606% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4857% | 911 |
| Memoranda: | ||
| Average total assets | $221,037,500 | 2,905 |
| Average earning assets | $207,565,500 | 2,878 |
| Average equity | $23,579,500 | 2,620 |
| Average total loans | $184,302,500 | 2,415 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0764% | 1,527 |
| Cost of funding earning assets | 0.8838% | 266 |
| Net interest margin | 3.1926% | 2,883 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 4.6744% | 247 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | -1.7236% | 4,685 |
| Return on assets (ROA) | -1.7236% | 4,683 |
| Pretax return on assets | -1.7236% | 4,672 |
| Return on Equity (ROE) | -15.9900% | 4,686 |
| Retained earnings to average equity (ytd only) | -15.9898% | 4,682 |
| Net charge-offs to loans | 0.1880% | 437 |
| Credit loss provision to net charge-offs | 60.6154% | 1,771 |
| Earnings coverage of net charge-offs (x) | -11.0246% | 4,698 |
| Efficiency ratio | 153.3593% | 36 |
| Assets per employee ($millions) | 7.6370% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 4,196 |
| Loan loss allowance to noncurrent loans | 606.3927% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 2,849 |
| Noncurrent loans to loans | 0.1177% | 2,939 |
| Net loans and leases to total assets | 83.4500% | 298 |
| Net loans and leases to deposits | 113.1748% | 121 |
| Net loans and leases to core deposits | 130.7730% | 218 |
| Total domestic deposits to total assets | 73.7300% | 4,366 |
| Equity capital to assets | 10.9495% | 1,280 |
| Core capital (leverage) ratio | 11.3077% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9497% | 837 |
| Memoranda: | ||
| Average total assets | $219,302,400 | 2,908 |
| Average earning assets | $207,731,400 | 2,878 |
| Average equity | $23,640,000 | 2,659 |
| Average total loans | $172,896,200 | 2,426 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 1,717 |
| Cost of funding earning assets | 0.6129% | 407 |
| Net interest margin | 3.2004% | 2,620 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 4.7168% | 232 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | -1.7084% | 4,724 |
| Return on assets (ROA) | -1.7084% | 4,720 |
| Pretax return on assets | -1.7084% | 4,710 |
| Return on Equity (ROE) | -15.9100% | 4,723 |
| Retained earnings to average equity (ytd only) | -15.9116% | 4,717 |
| Net charge-offs to loans | 0.2587% | 256 |
| Credit loss provision to net charge-offs | 24.3161% | 1,618 |
| Earnings coverage of net charge-offs (x) | -8.2766% | 4,732 |
| Efficiency ratio | 153.8477% | 39 |
| Assets per employee ($millions) | 6.7677% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6903% | 4,266 |
| Loan loss allowance to noncurrent loans | 91.1631% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 839 |
| Noncurrent loans to loans | 0.7572% | 1,070 |
| Net loans and leases to total assets | 82.7700% | 334 |
| Net loans and leases to deposits | 110.7335% | 121 |
| Net loans and leases to core deposits | 123.7407% | 198 |
| Total domestic deposits to total assets | 74.7500% | 4,423 |
| Equity capital to assets | 10.5463% | 1,351 |
| Core capital (leverage) ratio | 10.7054% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9447% | 998 |
| Memoranda: | ||
| Average total assets | $218,760,000 | 2,934 |
| Average earning assets | $207,759,750 | 2,897 |
| Average equity | $23,487,500 | 2,707 |
| Average total loans | $169,585,500 | 2,458 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5911% | 1,872 |
| Cost of funding earning assets | 0.5441% | 406 |
| Net interest margin | 3.0471% | 2,731 |
| Noninterest income to average assets | 0.0189% | 4,707 |
| Noninterest expense to average assets | 4.5854% | 204 |
| Loan and lease loss provision to assets | 0.0586% | 1,537 |
| Net operating income to assets | -1.7155% | 4,731 |
| Return on assets (ROA) | -1.7155% | 4,725 |
| Pretax return on assets | -1.7155% | 4,721 |
| Return on Equity (ROE) | -15.8888% | 4,741 |
| Retained earnings to average equity (ytd only) | -15.8888% | 4,707 |
| Net charge-offs to loans | 0.3206% | 216 |
| Credit loss provision to net charge-offs | 24.1636% | 1,590 |
| Earnings coverage of net charge-offs (x) | -6.8290% | 2,125 |
| Efficiency ratio | 156.1133% | 38 |
| Assets per employee ($millions) | 7.5852% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 4,257 |
| Loan loss allowance to noncurrent loans | 297.3872% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,288 |
| Noncurrent loans to loans | 0.2534% | 2,463 |
| Net loans and leases to total assets | 80.5098% | 369 |
| Net loans and leases to deposits | 92.1114% | 606 |
| Net loans and leases to core deposits | 100.9929% | 630 |
| Total domestic deposits to total assets | 87.4048% | 2,795 |
| Equity capital to assets | 11.2441% | 1,116 |
| Core capital (leverage) ratio | 10.9041% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9334% | 731 |
| Memoranda: | ||
| Average total assets | $221,747,333 | 2,932 |
| Average earning assets | $211,744,667 | 2,905 |
| Average equity | $23,941,333 | 2,750 |
| Average total loans | $167,828,667 | 2,485 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4699% | 1,895 |
| Cost of funding earning assets | 0.6067% | 252 |
| Net interest margin | 2.8632% | 2,942 |
| Noninterest income to average assets | 0.0139% | 4,735 |
| Noninterest expense to average assets | 4.5226% | 201 |
| Loan and lease loss provision to assets | 0.0869% | 956 |
| Net operating income to assets | -1.8487% | 4,760 |
| Return on assets (ROA) | -1.8487% | 4,761 |
| Pretax return on assets | -1.8487% | 4,758 |
| Return on Equity (ROE) | -17.4441% | 4,768 |
| Retained earnings to average equity (ytd only) | -17.4441% | 4,671 |
| Net charge-offs to loans | 0.3130% | 204 |
| Credit loss provision to net charge-offs | 37.8788% | 1,236 |
| Earnings coverage of net charge-offs (x) | -7.6818% | 1,811 |
| Efficiency ratio | 163.3103% | 32 |
| Assets per employee ($millions) | 8.0731% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 4,173 |
| Loan loss allowance to noncurrent loans | 229.0000% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 2,084 |
| Noncurrent loans to loans | 0.3670% | 2,171 |
| Net loans and leases to total assets | 71.7218% | 862 |
| Net loans and leases to deposits | 81.2156% | 1,059 |
| Net loans and leases to core deposits | 89.6094% | 941 |
| Total domestic deposits to total assets | 88.3104% | 2,386 |
| Equity capital to assets | 10.5580% | 1,570 |
| Core capital (leverage) ratio | 10.3422% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3544% | 712 |
| Memoranda: | ||
| Average total assets | $230,221,000 | 2,898 |
| Average earning assets | $220,873,000 | 2,861 |
| Average equity | $24,398,000 | 2,810 |
| Average total loans | $168,675,000 | 2,468 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 898 |
| Cost of funding earning assets | 0.6811% | 351 |
| Net interest margin | 3.5838% | 1,513 |
| Noninterest income to average assets | 0.0473% | 4,731 |
| Noninterest expense to average assets | 5.1998% | 167 |
| Loan and lease loss provision to assets | -0.1699% | 4,656 |
| Net operating income to assets | -1.5275% | 4,809 |
| Return on assets (ROA) | -1.5275% | 4,809 |
| Pretax return on assets | -1.5275% | 4,803 |
| Return on Equity (ROE) | -15.3117% | 4,821 |
| Retained earnings to average equity (ytd only) | -15.3117% | 4,799 |
| Net charge-offs to loans | 0.1643% | 585 |
| Credit loss provision to net charge-offs | -128.3077% | 3,414 |
| Earnings coverage of net charge-offs (x) | -12.8215% | 2,682 |
| Efficiency ratio | 147.8483% | 38 |
| Assets per employee ($millions) | 8.6813% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 4,202 |
| Loan loss allowance to noncurrent loans | 144.4444% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 1,523 |
| Noncurrent loans to loans | 0.5798% | 1,687 |
| Net loans and leases to total assets | 73.5489% | 699 |
| Net loans and leases to deposits | 82.9979% | 985 |
| Net loans and leases to core deposits | 91.8040% | 889 |
| Total domestic deposits to total assets | 88.6154% | 1,729 |
| Equity capital to assets | 10.6359% | 2,058 |
| Core capital (leverage) ratio | 10.7009% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6748% | 795 |
| Memoranda: | ||
| Average total assets | $245,491,600 | 2,763 |
| Average earning assets | $236,677,800 | 2,702 |
| Average equity | $24,491,000 | 2,883 |
| Average total loans | $197,852,200 | 2,243 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 729 |
| Cost of funding earning assets | 0.7145% | 351 |
| Net interest margin | 3.7401% | 1,248 |
| Noninterest income to average assets | 0.0564% | 4,790 |
| Noninterest expense to average assets | 5.5471% | 139 |
| Loan and lease loss provision to assets | -0.2453% | 4,791 |
| Net operating income to assets | -1.6412% | 4,883 |
| Return on assets (ROA) | -1.6412% | 4,883 |
| Pretax return on assets | -1.6412% | 4,880 |
| Return on Equity (ROE) | -16.7119% | 4,895 |
| Retained earnings to average equity (ytd only) | -16.7119% | 4,872 |
| Net charge-offs to loans | 0.0399% | 1,290 |
| Credit loss provision to net charge-offs | -749.1803% | 3,774 |
| Earnings coverage of net charge-offs (x) | -57.5902% | 2,451 |
| Efficiency ratio | 150.8803% | 36 |
| Assets per employee ($millions) | 8.5466% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 4,152 |
| Loan loss allowance to noncurrent loans | 165.8440% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 1,773 |
| Noncurrent loans to loans | 0.5427% | 1,961 |
| Net loans and leases to total assets | 77.3051% | 444 |
| Net loans and leases to deposits | 87.3611% | 747 |
| Net loans and leases to core deposits | 96.7901% | 711 |
| Total domestic deposits to total assets | 88.4892% | 1,567 |
| Equity capital to assets | 10.7077% | 2,255 |
| Core capital (leverage) ratio | 10.5473% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3883% | 1,067 |
| Memoranda: | ||
| Average total assets | $248,265,750 | 2,758 |
| Average earning assets | $239,238,500 | 2,708 |
| Average equity | $24,381,250 | 2,919 |
| Average total loans | $203,852,500 | 2,246 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 647 |
| Cost of funding earning assets | 0.7564% | 358 |
| Net interest margin | 3.8241% | 1,104 |
| Noninterest income to average assets | 0.0892% | 4,734 |
| Noninterest expense to average assets | 6.1365% | 122 |
| Loan and lease loss provision to assets | -0.4123% | 4,884 |
| Net operating income to assets | -1.9486% | 4,920 |
| Return on assets (ROA) | -1.9486% | 4,921 |
| Pretax return on assets | -1.9486% | 4,921 |
| Return on Equity (ROE) | -20.4281% | 4,931 |
| Retained earnings to average equity (ytd only) | -20.4281% | 4,912 |
| Net charge-offs to loans | -0.3655% | 4,861 |
| Credit loss provision to net charge-offs | 135.2480% | 1,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.8174% | 35 |
| Assets per employee ($millions) | 7.5216% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,787 |
| Loan loss allowance to noncurrent loans | 203.8538% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 1,978 |
| Noncurrent loans to loans | 0.4955% | 2,196 |
| Net loans and leases to total assets | 81.4463% | 241 |
| Net loans and leases to deposits | 90.4961% | 619 |
| Net loans and leases to core deposits | 100.0995% | 655 |
| Total domestic deposits to total assets | 89.9998% | 776 |
| Equity capital to assets | 9.1582% | 3,647 |
| Core capital (leverage) ratio | 9.3219% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8801% | 2,012 |
| Memoranda: | ||
| Average total assets | $251,252,667 | 2,735 |
| Average earning assets | $242,202,333 | 2,682 |
| Average equity | $23,967,000 | 2,940 |
| Average total loans | $209,578,333 | 2,211 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 1,013 |
| Cost of funding earning assets | 0.8658% | 263 |
| Net interest margin | 3.4552% | 1,947 |
| Noninterest income to average assets | 0.1361% | 4,526 |
| Noninterest expense to average assets | 5.5164% | 144 |
| Loan and lease loss provision to assets | -0.1646% | 4,787 |
| Net operating income to assets | -1.8815% | 4,953 |
| Return on assets (ROA) | -1.8815% | 4,952 |
| Pretax return on assets | -1.8815% | 4,949 |
| Return on Equity (ROE) | -19.3455% | 4,959 |
| Retained earnings to average equity (ytd only) | -19.3455% | 4,913 |
| Net charge-offs to loans | -0.0019% | 3,125 |
| Credit loss provision to net charge-offs | 10,400.0000% | 56 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.0939% | 28 |
| Assets per employee ($millions) | 6.6948% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 3,816 |
| Loan loss allowance to noncurrent loans | 168.9516% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 1,840 |
| Noncurrent loans to loans | 0.5951% | 2,080 |
| Net loans and leases to total assets | 85.5854% | 100 |
| Net loans and leases to deposits | 96.0217% | 408 |
| Net loans and leases to core deposits | 108.0926% | 458 |
| Total domestic deposits to total assets | 89.1312% | 1,278 |
| Equity capital to assets | 9.9539% | 2,744 |
| Core capital (leverage) ratio | 9.2358% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9917% | 1,900 |
| Memoranda: | ||
| Average total assets | $252,772,000 | 2,712 |
| Average earning assets | $243,922,500 | 2,656 |
| Average equity | $24,584,500 | 2,898 |
| Average total loans | $212,255,500 | 2,202 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 766 |
| Cost of funding earning assets | 1.1298% | 357 |
| Net interest margin | 3.6456% | 1,991 |
| Noninterest income to average assets | 0.2461% | 4,017 |
| Noninterest expense to average assets | 6.0759% | 126 |
| Loan and lease loss provision to assets | 0.4072% | 756 |
| Net operating income to assets | -2.7172% | 4,973 |
| Return on assets (ROA) | -2.7172% | 4,973 |
| Pretax return on assets | -2.7172% | 4,975 |
| Return on Equity (ROE) | -24.6119% | 4,980 |
| Retained earnings to average equity (ytd only) | -24.6119% | 4,969 |
| Net charge-offs to loans | 0.2202% | 788 |
| Credit loss provision to net charge-offs | 225.7642% | 2,044 |
| Earnings coverage of net charge-offs (x) | -12.8079% | 3,412 |
| Efficiency ratio | 159.3328% | 30 |
| Assets per employee ($millions) | 6.0121% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 3,805 |
| Loan loss allowance to noncurrent loans | 373.6395% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 3,176 |
| Noncurrent loans to loans | 0.2720% | 3,219 |
| Net loans and leases to total assets | 80.8779% | 374 |
| Net loans and leases to deposits | 90.3626% | 904 |
| Net loans and leases to core deposits | 103.9299% | 727 |
| Total domestic deposits to total assets | 89.5037% | 766 |
| Equity capital to assets | 9.5183% | 3,592 |
| Core capital (leverage) ratio | 9.1436% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3967% | 1,717 |
| Memoranda: | ||
| Average total assets | $253,936,600 | 2,557 |
| Average earning assets | $245,175,200 | 2,490 |
| Average equity | $28,035,200 | 2,597 |
| Average total loans | $207,988,200 | 2,176 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 734 |
| Cost of funding earning assets | 1.2134% | 351 |
| Net interest margin | 3.6826% | 2,004 |
| Noninterest income to average assets | 0.2287% | 4,125 |
| Noninterest expense to average assets | 6.4705% | 118 |
| Loan and lease loss provision to assets | 0.4998% | 585 |
| Net operating income to assets | -3.1909% | 5,008 |
| Return on assets (ROA) | -3.1909% | 5,008 |
| Pretax return on assets | -3.1909% | 5,008 |
| Return on Equity (ROE) | -27.8910% | 5,013 |
| Retained earnings to average equity (ytd only) | -27.8910% | 4,999 |
| Net charge-offs to loans | 0.1761% | 845 |
| Credit loss provision to net charge-offs | 346.3235% | 1,620 |
| Earnings coverage of net charge-offs (x) | -18.6471% | 3,213 |
| Efficiency ratio | 168.7772% | 28 |
| Assets per employee ($millions) | 6.0030% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,598 |
| Loan loss allowance to noncurrent loans | 363.2330% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 3,272 |
| Noncurrent loans to loans | 0.2817% | 3,275 |
| Net loans and leases to total assets | 82.0696% | 427 |
| Net loans and leases to deposits | 91.9123% | 1,077 |
| Net loans and leases to core deposits | 104.7638% | 893 |
| Total domestic deposits to total assets | 89.2912% | 656 |
| Equity capital to assets | 9.6489% | 3,555 |
| Core capital (leverage) ratio | 9.3963% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3956% | 1,696 |
| Memoranda: | ||
| Average total assets | $251,287,750 | 2,553 |
| Average earning assets | $242,287,500 | 2,498 |
| Average equity | $28,749,250 | 2,546 |
| Average total loans | $205,949,000 | 2,190 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 746 |
| Cost of funding earning assets | 1.3386% | 304 |
| Net interest margin | 3.7212% | 2,090 |
| Noninterest income to average assets | 0.2547% | 3,945 |
| Noninterest expense to average assets | 7.0717% | 107 |
| Loan and lease loss provision to assets | 0.5918% | 541 |
| Net operating income to assets | -3.8301% | 5,039 |
| Return on assets (ROA) | -3.8301% | 5,039 |
| Pretax return on assets | -3.8301% | 5,035 |
| Return on Equity (ROE) | -31.6556% | 5,046 |
| Retained earnings to average equity (ytd only) | -31.6556% | 5,035 |
| Net charge-offs to loans | 0.2261% | 688 |
| Credit loss provision to net charge-offs | 320.7965% | 1,566 |
| Earnings coverage of net charge-offs (x) | -17.5531% | 2,996 |
| Efficiency ratio | 181.1755% | 25 |
| Assets per employee ($millions) | 5.0096% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 3,911 |
| Loan loss allowance to noncurrent loans | 576.6304% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 3,852 |
| Noncurrent loans to loans | 0.1599% | 3,815 |
| Net loans and leases to total assets | 82.7593% | 344 |
| Net loans and leases to deposits | 103.5014% | 396 |
| Net loans and leases to core deposits | 116.4433% | 518 |
| Total domestic deposits to total assets | 79.9596% | 3,847 |
| Equity capital to assets | 9.9402% | 3,262 |
| Core capital (leverage) ratio | 10.0815% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2300% | 1,719 |
| Memoranda: | ||
| Average total assets | $245,005,667 | 2,572 |
| Average earning assets | $235,621,667 | 2,519 |
| Average equity | $29,644,000 | 2,487 |
| Average total loans | $199,935,333 | 2,220 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 494 |
| Cost of funding earning assets | 1.5939% | 196 |
| Net interest margin | 3.7579% | 2,119 |
| Noninterest income to average assets | 0.2768% | 3,865 |
| Noninterest expense to average assets | 8.0925% | 96 |
| Loan and lease loss provision to assets | 0.3430% | 897 |
| Net operating income to assets | -4.5546% | 5,092 |
| Return on assets (ROA) | -4.5546% | 5,085 |
| Pretax return on assets | -4.5546% | 5,081 |
| Return on Equity (ROE) | -34.0049% | 5,090 |
| Retained earnings to average equity (ytd only) | -34.0049% | 5,058 |
| Net charge-offs to loans | 0.0931% | 1,136 |
| Credit loss provision to net charge-offs | 458.1395% | 927 |
| Earnings coverage of net charge-offs (x) | -56.2558% | 2,557 |
| Efficiency ratio | 203.7236% | 25 |
| Assets per employee ($millions) | 4.1410% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 3,787 |
| Loan loss allowance to noncurrent loans | 318.8510% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 3,534 |
| Noncurrent loans to loans | 0.3089% | 3,391 |
| Net loans and leases to total assets | 74.3460% | 1,557 |
| Net loans and leases to deposits | 100.5286% | 519 |
| Net loans and leases to core deposits | 111.7885% | 767 |
| Total domestic deposits to total assets | 73.9550% | 4,666 |
| Equity capital to assets | 12.2676% | 1,869 |
| Core capital (leverage) ratio | 13.0907% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2128% | 1,297 |
| Memoranda: | ||
| Average total assets | $229,744,500 | 2,632 |
| Average earning assets | $220,334,500 | 2,571 |
| Average equity | $30,772,000 | 2,416 |
| Average total loans | $184,829,500 | 2,311 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5574% | 507 |
| Cost of funding earning assets | 1.9919% | 67 |
| Net interest margin | 3.5656% | 3,245 |
| Noninterest income to average assets | 0.2858% | 3,974 |
| Noninterest expense to average assets | 7.7082% | 92 |
| Loan and lease loss provision to assets | -0.0043% | 4,917 |
| Net operating income to assets | -4.0100% | 5,156 |
| Return on assets (ROA) | -4.0100% | 5,156 |
| Pretax return on assets | -4.0100% | 5,154 |
| Return on Equity (ROE) | -31.8327% | 5,166 |
| Retained earnings to average equity (ytd only) | -31.8327% | 5,160 |
| Net charge-offs to loans | 0.2021% | 1,011 |
| Credit loss provision to net charge-offs | -2.6525% | 4,098 |
| Earnings coverage of net charge-offs (x) | -24.5862% | 3,704 |
| Efficiency ratio | 203.6698% | 21 |
| Assets per employee ($millions) | 3.7172% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 4,133 |
| Loan loss allowance to noncurrent loans | 272.1477% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 3,342 |
| Noncurrent loans to loans | 0.3148% | 3,310 |
| Net loans and leases to total assets | 85.5854% | 193 |
| Net loans and leases to deposits | 114.8498% | 122 |
| Net loans and leases to core deposits | 128.8407% | 290 |
| Total domestic deposits to total assets | 74.5194% | 4,737 |
| Equity capital to assets | 14.6276% | 892 |
| Core capital (leverage) ratio | 14.7185% | 737 |
| Tier 1 risk-based capital ratio | 17.2560% | 1,977 |
| Total risk-based capital ratio | 18.2427% | 2,003 |
| Memoranda: | ||
| Average total assets | $230,898,000 | 2,570 |
| Average earning assets | $220,695,000 | 2,530 |
| Average equity | $29,086,400 | 2,442 |
| Average total loans | $186,546,800 | 2,262 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6017% | 493 |
| Cost of funding earning assets | 2.0403% | 55 |
| Net interest margin | 3.5614% | 3,365 |
| Noninterest income to average assets | 0.3262% | 3,791 |
| Noninterest expense to average assets | 7.4702% | 102 |
| Loan and lease loss provision to assets | 0.0245% | 3,402 |
| Net operating income to assets | -3.7650% | 5,235 |
| Return on assets (ROA) | -3.7650% | 5,235 |
| Pretax return on assets | -3.7650% | 5,234 |
| Return on Equity (ROE) | -31.0624% | 5,241 |
| Retained earnings to average equity (ytd only) | -31.0624% | 5,229 |
| Net charge-offs to loans | 0.2597% | 675 |
| Credit loss provision to net charge-offs | 11.8785% | 2,999 |
| Earnings coverage of net charge-offs (x) | -18.1189% | 3,436 |
| Efficiency ratio | 195.3976% | 23 |
| Assets per employee ($millions) | 3.8643% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 4,005 |
| Loan loss allowance to noncurrent loans | 231.1902% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,174 |
| Noncurrent loans to loans | 0.3928% | 3,134 |
| Net loans and leases to total assets | 85.2091% | 238 |
| Net loans and leases to deposits | 113.1862% | 148 |
| Net loans and leases to core deposits | 125.7544% | 374 |
| Total domestic deposits to total assets | 75.2822% | 4,716 |
| Equity capital to assets | 16.0917% | 618 |
| Core capital (leverage) ratio | 15.9134% | 571 |
| Tier 1 risk-based capital ratio | 18.7897% | 1,615 |
| Total risk-based capital ratio | 19.8190% | 1,640 |
| Memoranda: | ||
| Average total assets | $233,794,500 | 2,577 |
| Average earning assets | $223,427,500 | 2,530 |
| Average equity | $28,338,000 | 2,496 |
| Average total loans | $185,853,250 | 2,290 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 534 |
| Cost of funding earning assets | 2.1038% | 36 |
| Net interest margin | 3.4312% | 3,796 |
| Noninterest income to average assets | 0.3222% | 3,778 |
| Noninterest expense to average assets | 7.2690% | 104 |
| Loan and lease loss provision to assets | -0.0351% | 5,159 |
| Net operating income to assets | -3.6320% | 5,280 |
| Return on assets (ROA) | -3.6320% | 5,280 |
| Pretax return on assets | -3.6320% | 5,278 |
| Return on Equity (ROE) | -33.2438% | 5,289 |
| Retained earnings to average equity (ytd only) | -33.2438% | 5,276 |
| Net charge-offs to loans | 0.2756% | 615 |
| Credit loss provision to net charge-offs | -16.4063% | 3,767 |
| Earnings coverage of net charge-offs (x) | -17.1602% | 3,156 |
| Efficiency ratio | 196.8714% | 22 |
| Assets per employee ($millions) | 4.1860% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 3,959 |
| Loan loss allowance to noncurrent loans | 239.4406% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 3,271 |
| Noncurrent loans to loans | 0.3885% | 3,134 |
| Net loans and leases to total assets | 80.6548% | 788 |
| Net loans and leases to deposits | 106.5963% | 316 |
| Net loans and leases to core deposits | 118.0038% | 601 |
| Total domestic deposits to total assets | 75.6638% | 4,707 |
| Equity capital to assets | 16.5289% | 529 |
| Core capital (leverage) ratio | 14.8297% | 744 |
| Tier 1 risk-based capital ratio | 20.1905% | 1,309 |
| Total risk-based capital ratio | 21.2356% | 1,325 |
| Memoranda: | ||
| Average total assets | $239,591,670 | 2,558 |
| Average earning assets | $229,019,000 | 2,509 |
| Average equity | $26,176,330 | 2,624 |
| Average total loans | $185,776,000 | 2,294 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2647% | 811 |
| Cost of funding earning assets | 2.0708% | 38 |
| Net interest margin | 3.1939% | 4,398 |
| Noninterest income to average assets | 0.3085% | 3,810 |
| Noninterest expense to average assets | 6.8143% | 110 |
| Loan and lease loss provision to assets | 0.2143% | 728 |
| Net operating income to assets | -3.6726% | 5,338 |
| Return on assets (ROA) | -3.6726% | 5,337 |
| Pretax return on assets | -3.6726% | 5,335 |
| Return on Equity (ROE) | -43.9586% | 5,350 |
| Retained earnings to average equity (ytd only) | -43.9586% | 5,327 |
| Net charge-offs to loans | 0.3579% | 435 |
| Credit loss provision to net charge-offs | 79.0419% | 1,788 |
| Earnings coverage of net charge-offs (x) | -12.7545% | 2,721 |
| Efficiency ratio | 197.8713% | 23 |
| Assets per employee ($millions) | 4.8553% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 3,345 |
| Loan loss allowance to noncurrent loans | 220.0669% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 3,181 |
| Noncurrent loans to loans | 0.4827% | 2,862 |
| Net loans and leases to total assets | 72.8256% | 2,018 |
| Net loans and leases to deposits | 91.8179% | 1,423 |
| Net loans and leases to core deposits | 101.5800% | 1,498 |
| Total domestic deposits to total assets | 79.3153% | 4,295 |
| Equity capital to assets | 7.7045% | 5,236 |
| Core capital (leverage) ratio | 7.7606% | 5,248 |
| Tier 1 risk-based capital ratio | 10.1382% | 5,258 |
| Total risk-based capital ratio | 11.3051% | 5,233 |
| Memoranda: | ||
| Average total assets | $246,364,500 | 2,539 |
| Average earning assets | $235,075,500 | 2,489 |
| Average equity | $20,583,000 | 3,107 |
| Average total loans | $186,649,500 | 2,305 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7094% | 275 |
| Cost of funding earning assets | 1.6167% | 55 |
| Net interest margin | 4.0927% | 1,703 |
| Noninterest income to average assets | 0.3134% | 4,022 |
| Noninterest expense to average assets | 6.5034% | 114 |
| Loan and lease loss provision to assets | 0.2230% | 804 |
| Net operating income to assets | -2.5538% | 5,382 |
| Return on assets (ROA) | -2.5538% | 5,381 |
| Pretax return on assets | -2.5538% | 5,379 |
| Return on Equity (ROE) | -26.0694% | 5,385 |
| Retained earnings to average equity (ytd only) | -26.0694% | 5,382 |
| Net charge-offs to loans | 0.4294% | 427 |
| Credit loss provision to net charge-offs | 62.8633% | 3,067 |
| Earnings coverage of net charge-offs (x) | -6.5716% | 3,747 |
| Efficiency ratio | 151.9444% | 25 |
| Assets per employee ($millions) | 4.0721% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,262 |
| Loan loss allowance to noncurrent loans | 43.0285% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.9434% | 504 |
| Noncurrent loans to loans | 2.4907% | 489 |
| Net loans and leases to total assets | 77.1890% | 1,410 |
| Net loans and leases to deposits | 112.2988% | 200 |
| Net loans and leases to core deposits | 123.5850% | 453 |
| Total domestic deposits to total assets | 68.7353% | 5,192 |
| Equity capital to assets | 9.0380% | 4,542 |
| Core capital (leverage) ratio | 8.9490% | 4,695 |
| Tier 1 risk-based capital ratio | 11.3066% | 4,808 |
| Total risk-based capital ratio | 12.4934% | 4,761 |
| Memoranda: | ||
| Average total assets | $261,926,000 | 2,385 |
| Average earning assets | $246,977,400 | 2,361 |
| Average equity | $25,658,400 | 2,595 |
| Average total loans | $216,344,000 | 2,055 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8797% | 187 |
| Cost of funding earning assets | 1.5402% | 58 |
| Net interest margin | 4.3395% | 1,036 |
| Noninterest income to average assets | 0.7351% | 1,734 |
| Noninterest expense to average assets | 6.4165% | 119 |
| Loan and lease loss provision to assets | 0.1765% | 1,038 |
| Net operating income to assets | -1.7705% | 5,441 |
| Return on assets (ROA) | -1.7705% | 5,438 |
| Pretax return on assets | -1.7705% | 5,435 |
| Return on Equity (ROE) | -17.7643% | 5,453 |
| Retained earnings to average equity (ytd only) | -17.7643% | 5,438 |
| Net charge-offs to loans | 0.4765% | 332 |
| Credit loss provision to net charge-offs | 44.3054% | 2,872 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 3,456 |
| Efficiency ratio | 129.7311% | 41 |
| Assets per employee ($millions) | 3.6706% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 3,857 |
| Loan loss allowance to noncurrent loans | 35.7424% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 2.3097% | 402 |
| Noncurrent loans to loans | 2.7600% | 435 |
| Net loans and leases to total assets | 82.8569% | 578 |
| Net loans and leases to deposits | 131.3436% | 43 |
| Net loans and leases to core deposits | 145.6544% | 168 |
| Total domestic deposits to total assets | 63.0841% | 5,363 |
| Equity capital to assets | 10.7474% | 2,898 |
| Core capital (leverage) ratio | 9.3468% | 4,341 |
| Tier 1 risk-based capital ratio | 12.3541% | 4,281 |
| Total risk-based capital ratio | 13.4360% | 4,288 |
| Memoranda: | ||
| Average total assets | $267,344,500 | 2,366 |
| Average earning assets | $251,819,250 | 2,337 |
| Average equity | $26,644,500 | 2,543 |
| Average total loans | $223,565,750 | 2,002 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8678% | 175 |
| Cost of funding earning assets | 1.4109% | 70 |
| Net interest margin | 4.4569% | 756 |
| Noninterest income to average assets | 0.5455% | 2,595 |
| Noninterest expense to average assets | 6.2095% | 130 |
| Loan and lease loss provision to assets | 0.1224% | 1,609 |
| Net operating income to assets | -1.5735% | 5,498 |
| Return on assets (ROA) | -1.5735% | 5,491 |
| Pretax return on assets | -1.5735% | 5,488 |
| Return on Equity (ROE) | -16.1370% | 5,500 |
| Retained earnings to average equity (ytd only) | -16.1370% | 5,480 |
| Net charge-offs to loans | 0.4547% | 339 |
| Credit loss provision to net charge-offs | 32.2034% | 2,616 |
| Earnings coverage of net charge-offs (x) | -3.8173% | 3,170 |
| Efficiency ratio | 127.2755% | 56 |
| Assets per employee ($millions) | 4.1807% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 4,420 |
| Loan loss allowance to noncurrent loans | 33.6030% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.1506% | 468 |
| Noncurrent loans to loans | 2.6190% | 475 |
| Net loans and leases to total assets | 81.3901% | 796 |
| Net loans and leases to deposits | 118.9086% | 119 |
| Net loans and leases to core deposits | 176.4163% | 50 |
| Total domestic deposits to total assets | 68.4476% | 5,326 |
| Equity capital to assets | 9.4970% | 4,106 |
| Core capital (leverage) ratio | 9.2710% | 4,392 |
| Tier 1 risk-based capital ratio | 11.9362% | 4,534 |
| Total risk-based capital ratio | 12.9702% | 4,550 |
| Memoranda: | ||
| Average total assets | $279,377,000 | 2,295 |
| Average earning assets | $264,087,000 | 2,255 |
| Average equity | $27,241,670 | 2,520 |
| Average total loans | $233,583,330 | 1,929 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 107 |
| Cost of funding earning assets | 1.3268% | 74 |
| Net interest margin | 4.8534% | 307 |
| Noninterest income to average assets | 0.3045% | 4,126 |
| Noninterest expense to average assets | 6.3991% | 129 |
| Loan and lease loss provision to assets | 0.3159% | 408 |
| Net operating income to assets | -1.8299% | 5,565 |
| Return on assets (ROA) | -1.8299% | 5,563 |
| Pretax return on assets | -1.8299% | 5,562 |
| Return on Equity (ROE) | -18.5303% | 5,569 |
| Retained earnings to average equity (ytd only) | -18.5303% | 5,488 |
| Net charge-offs to loans | 0.4117% | 378 |
| Credit loss provision to net charge-offs | 90.9836% | 1,664 |
| Earnings coverage of net charge-offs (x) | -4.3607% | 2,685 |
| Efficiency ratio | 127.8474% | 50 |
| Assets per employee ($millions) | 3.7592% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,937 |
| Loan loss allowance to noncurrent loans | 187.7617% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 2,762 |
| Noncurrent loans to loans | 0.5340% | 2,923 |
| Net loans and leases to total assets | 83.9028% | 446 |
| Net loans and leases to deposits | 123.8934% | 78 |
| Net loans and leases to core deposits | 201.5776% | 39 |
| Total domestic deposits to total assets | 67.7217% | 5,425 |
| Equity capital to assets | 9.8816% | 3,716 |
| Core capital (leverage) ratio | 9.2244% | 4,401 |
| Tier 1 risk-based capital ratio | 11.2404% | 5,012 |
| Total risk-based capital ratio | 12.3298% | 4,992 |
| Memoranda: | ||
| Average total assets | $281,101,500 | 2,295 |
| Average earning assets | $265,296,500 | 2,269 |
| Average equity | $27,760,000 | 2,509 |
| Average total loans | $237,089,000 | 1,914 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 358 |
| Cost of funding earning assets | 1.0885% | 137 |
| Net interest margin | 4.2219% | 1,143 |
| Noninterest income to average assets | -0.7595% | 5,665 |
| Noninterest expense to average assets | 7.9373% | 93 |
| Loan and lease loss provision to assets | 0.3861% | 386 |
| Net operating income to assets | -5.6647% | 5,661 |
| Return on assets (ROA) | -5.6647% | 5,661 |
| Pretax return on assets | -5.0897% | 5,661 |
| Return on Equity (ROE) | -53.5086% | 5,662 |
| Retained earnings to average equity (ytd only) | -53.5086% | 5,660 |
| Net charge-offs to loans | 0.3069% | 836 |
| Credit loss provision to net charge-offs | 163.9805% | 1,634 |
| Earnings coverage of net charge-offs (x) | -19.9768% | 4,101 |
| Efficiency ratio | 239.7671% | 8 |
| Assets per employee ($millions) | 3.7374% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 4,084 |
| Loan loss allowance to noncurrent loans | 192.6350% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 2,824 |
| Noncurrent loans to loans | 0.5058% | 3,005 |
| Net loans and leases to total assets | 83.1342% | 539 |
| Net loans and leases to deposits | 109.8653% | 273 |
| Net loans and leases to core deposits | 176.4286% | 55 |
| Total domestic deposits to total assets | 75.6692% | 5,017 |
| Equity capital to assets | 9.8696% | 3,852 |
| Core capital (leverage) ratio | 9.3351% | 4,243 |
| Tier 1 risk-based capital ratio | 11.0808% | 5,099 |
| Total risk-based capital ratio | 12.1101% | 5,117 |
| Memoranda: | ||
| Average total assets | $347,840,400 | 1,927 |
| Average earning assets | $328,995,400 | 1,897 |
| Average equity | $36,824,000 | 1,992 |
| Average total loans | $266,878,200 | 1,726 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 381 |
| Cost of funding earning assets | 1.0645% | 142 |
| Net interest margin | 4.1837% | 1,196 |
| Noninterest income to average assets | -1.0593% | 5,736 |
| Noninterest expense to average assets | 8.3245% | 91 |
| Loan and lease loss provision to assets | 0.3652% | 403 |
| Net operating income to assets | -6.5240% | 5,729 |
| Return on assets (ROA) | -6.5240% | 5,729 |
| Pretax return on assets | -5.7891% | 5,728 |
| Return on Equity (ROE) | -60.8096% | 5,728 |
| Retained earnings to average equity (ytd only) | -60.8096% | 5,722 |
| Net charge-offs to loans | 0.2230% | 971 |
| Credit loss provision to net charge-offs | 217.5055% | 1,267 |
| Earnings coverage of net charge-offs (x) | -32.2997% | 3,784 |
| Efficiency ratio | 280.2508% | 7 |
| Assets per employee ($millions) | 3.8940% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 4,379 |
| Loan loss allowance to noncurrent loans | 138.6643% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 2,765 |
| Noncurrent loans to loans | 0.6775% | 2,676 |
| Net loans and leases to total assets | 82.1790% | 656 |
| Net loans and leases to deposits | 94.3547% | 1,261 |
| Net loans and leases to core deposits | 184.1015% | 47 |
| Total domestic deposits to total assets | 87.0958% | 1,830 |
| Equity capital to assets | 9.9931% | 3,914 |
| Core capital (leverage) ratio | 9.2599% | 4,453 |
| Tier 1 risk-based capital ratio | 11.5826% | 4,899 |
| Total risk-based capital ratio | 12.6166% | 4,927 |
| Memoranda: | ||
| Average total assets | $362,854,750 | 1,870 |
| Average earning assets | $343,455,000 | 1,841 |
| Average equity | $38,929,250 | 1,918 |
| Average total loans | $273,197,750 | 1,704 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 380 |
| Cost of funding earning assets | 1.0412% | 136 |
| Net interest margin | 4.1796% | 1,121 |
| Noninterest income to average assets | -1.5375% | 5,786 |
| Noninterest expense to average assets | 8.8446% | 82 |
| Loan and lease loss provision to assets | 0.4486% | 272 |
| Net operating income to assets | -7.9245% | 5,780 |
| Return on assets (ROA) | -7.9245% | 5,780 |
| Pretax return on assets | -6.8789% | 5,780 |
| Return on Equity (ROE) | -72.5466% | 5,778 |
| Retained earnings to average equity (ytd only) | -72.5466% | 5,772 |
| Net charge-offs to loans | 0.4075% | 500 |
| Credit loss provision to net charge-offs | 150.2627% | 1,519 |
| Earnings coverage of net charge-offs (x) | -21.5412% | 3,494 |
| Efficiency ratio | 357.1026% | 5 |
| Assets per employee ($millions) | 3.7379% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 4,874 |
| Loan loss allowance to noncurrent loans | 110.0312% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 2,818 |
| Noncurrent loans to loans | 0.7534% | 2,509 |
| Net loans and leases to total assets | 76.9911% | 1,383 |
| Net loans and leases to deposits | 88.8964% | 1,876 |
| Net loans and leases to core deposits | 167.5426% | 75 |
| Total domestic deposits to total assets | 86.6076% | 2,127 |
| Equity capital to assets | 10.0169% | 3,890 |
| Core capital (leverage) ratio | 8.9122% | 4,824 |
| Tier 1 risk-based capital ratio | 12.2664% | 4,446 |
| Total risk-based capital ratio | 13.2083% | 4,550 |
| Memoranda: | ||
| Average total assets | $382,562,670 | 1,797 |
| Average earning assets | $361,708,000 | 1,758 |
| Average equity | $41,788,330 | 1,790 |
| Average total loans | $280,273,670 | 1,663 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6505% | 192 |
| Cost of funding earning assets | 0.9991% | 166 |
| Net interest margin | 4.6514% | 406 |
| Noninterest income to average assets | 1.7637% | 374 |
| Noninterest expense to average assets | 7.9418% | 99 |
| Loan and lease loss provision to assets | -0.0362% | 5,698 |
| Net operating income to assets | -3.7110% | 5,843 |
| Return on assets (ROA) | -3.7110% | 5,843 |
| Pretax return on assets | -1.7568% | 5,807 |
| Return on Equity (ROE) | -32.8774% | 5,835 |
| Retained earnings to average equity (ytd only) | -32.8774% | 5,798 |
| Net charge-offs to loans | 0.1626% | 996 |
| Credit loss provision to net charge-offs | -31.0924% | 3,829 |
| Earnings coverage of net charge-offs (x) | -15.4202% | 2,924 |
| Efficiency ratio | 125.7588% | 67 |
| Assets per employee ($millions) | 3.4337% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6185% | 5,451 |
| Loan loss allowance to noncurrent loans | 71.0225% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 3,021 |
| Noncurrent loans to loans | 0.8709% | 2,293 |
| Net loans and leases to total assets | 63.1740% | 3,379 |
| Net loans and leases to deposits | 82.6925% | 2,432 |
| Net loans and leases to core deposits | 145.3760% | 129 |
| Total domestic deposits to total assets | 76.3962% | 5,188 |
| Equity capital to assets | 10.4067% | 3,283 |
| Core capital (leverage) ratio | 10.9080% | 2,468 |
| Tier 1 risk-based capital ratio | 14.8311% | 3,055 |
| Total risk-based capital ratio | 15.4956% | 3,256 |
| Memoranda: | ||
| Average total assets | $409,377,500 | 1,694 |
| Average earning assets | $385,945,000 | 1,672 |
| Average equity | $46,208,000 | 1,638 |
| Average total loans | $292,727,500 | 1,619 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7168% | 184 |
| Cost of funding earning assets | 1.0511% | 132 |
| Net interest margin | 4.6657% | 442 |
| Noninterest income to average assets | 1.1735% | 823 |
| Noninterest expense to average assets | 6.9114% | 136 |
| Loan and lease loss provision to assets | 0.1134% | 2,171 |
| Net operating income to assets | -1.3030% | 5,851 |
| Return on assets (ROA) | -1.3030% | 5,853 |
| Pretax return on assets | -1.4625% | 5,857 |
| Return on Equity (ROE) | -11.1732% | 5,841 |
| Retained earnings to average equity (ytd only) | -11.1732% | 5,797 |
| Net charge-offs to loans | 0.2618% | 1,058 |
| Credit loss provision to net charge-offs | 57.1429% | 3,292 |
| Earnings coverage of net charge-offs (x) | -6.7954% | 4,228 |
| Efficiency ratio | 121.8225% | 82 |
| Assets per employee ($millions) | 2.9110% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 5,564 |
| Loan loss allowance to noncurrent loans | 26.5179% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 1.7561% | 859 |
| Noncurrent loans to loans | 2.1922% | 779 |
| Net loans and leases to total assets | 79.6407% | 945 |
| Net loans and leases to deposits | 92.1498% | 1,434 |
| Net loans and leases to core deposits | 154.9781% | 96 |
| Total domestic deposits to total assets | 86.4253% | 2,407 |
| Equity capital to assets | 12.2416% | 1,664 |
| Core capital (leverage) ratio | 10.6220% | 2,750 |
| Tier 1 risk-based capital ratio | 13.9863% | 3,470 |
| Total risk-based capital ratio | 14.6085% | 3,763 |
| Memoranda: | ||
| Average total assets | $440,749,800 | 1,537 |
| Average earning assets | $414,602,000 | 1,515 |
| Average equity | $51,400,000 | 1,487 |
| Average total loans | $334,195,000 | 1,396 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3404% | 339 |
| Cost of funding earning assets | 1.0189% | 156 |
| Net interest margin | 4.3215% | 892 |
| Noninterest income to average assets | 1.3560% | 636 |
| Noninterest expense to average assets | 6.7832% | 142 |
| Loan and lease loss provision to assets | 0.3387% | 479 |
| Net operating income to assets | -0.9870% | 5,903 |
| Return on assets (ROA) | -0.9870% | 5,907 |
| Pretax return on assets | -1.6962% | 5,933 |
| Return on Equity (ROE) | -8.5554% | 5,898 |
| Retained earnings to average equity (ytd only) | -8.5554% | 5,828 |
| Net charge-offs to loans | 0.1487% | 1,509 |
| Credit loss provision to net charge-offs | 304.2328% | 1,017 |
| Earnings coverage of net charge-offs (x) | -12.1931% | 3,923 |
| Efficiency ratio | 122.7011% | 78 |
| Assets per employee ($millions) | 3.2135% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 4,845 |
| Loan loss allowance to noncurrent loans | 42.3471% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 1,248 |
| Noncurrent loans to loans | 2.1391% | 886 |
| Net loans and leases to total assets | 67.5622% | 2,863 |
| Net loans and leases to deposits | 76.5158% | 3,349 |
| Net loans and leases to core deposits | 157.4890% | 99 |
| Total domestic deposits to total assets | 88.2984% | 1,239 |
| Equity capital to assets | 10.4766% | 3,592 |
| Core capital (leverage) ratio | 10.9264% | 2,531 |
| Tier 1 risk-based capital ratio | 14.0800% | 3,520 |
| Total risk-based capital ratio | 15.0519% | 3,595 |
| Memoranda: | ||
| Average total assets | $452,692,250 | 1,505 |
| Average earning assets | $426,326,250 | 1,482 |
| Average equity | $52,223,250 | 1,474 |
| Average total loans | $339,043,250 | 1,379 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5482% | 235 |
| Cost of funding earning assets | 1.0256% | 148 |
| Net interest margin | 4.5225% | 588 |
| Noninterest income to average assets | 1.8807% | 376 |
| Noninterest expense to average assets | 7.1115% | 132 |
| Loan and lease loss provision to assets | 0.3965% | 388 |
| Net operating income to assets | -0.8001% | 5,964 |
| Return on assets (ROA) | -0.8001% | 5,966 |
| Pretax return on assets | -1.3723% | 5,988 |
| Return on Equity (ROE) | -6.7124% | 5,951 |
| Retained earnings to average equity (ytd only) | -6.7124% | 5,808 |
| Net charge-offs to loans | 0.1483% | 1,439 |
| Credit loss provision to net charge-offs | 345.6693% | 859 |
| Earnings coverage of net charge-offs (x) | -8.5079% | 3,646 |
| Efficiency ratio | 114.1448% | 118 |
| Assets per employee ($millions) | 3.1378% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 5,160 |
| Loan loss allowance to noncurrent loans | 35.8782% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 1.7696% | 985 |
| Noncurrent loans to loans | 2.3407% | 771 |
| Net loans and leases to total assets | 74.9669% | 1,656 |
| Net loans and leases to deposits | 90.4387% | 1,701 |
| Net loans and leases to core deposits | 159.7229% | 89 |
| Total domestic deposits to total assets | 82.8925% | 3,694 |
| Equity capital to assets | 11.6880% | 2,369 |
| Core capital (leverage) ratio | 11.2663% | 2,177 |
| Tier 1 risk-based capital ratio | 14.1754% | 3,510 |
| Total risk-based capital ratio | 15.0589% | 3,637 |
| Memoranda: | ||
| Average total assets | $442,917,000 | 1,535 |
| Average earning assets | $416,712,000 | 1,512 |
| Average equity | $52,798,000 | 1,470 |
| Average total loans | $342,511,330 | 1,361 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 323 |
| Cost of funding earning assets | 1.0171% | 152 |
| Net interest margin | 4.3301% | 871 |
| Noninterest income to average assets | 2.1495% | 308 |
| Noninterest expense to average assets | 7.5926% | 121 |
| Loan and lease loss provision to assets | 0.7926% | 133 |
| Net operating income to assets | -1.2537% | 6,047 |
| Return on assets (ROA) | -1.2537% | 6,049 |
| Pretax return on assets | -2.1595% | 6,076 |
| Return on Equity (ROE) | -10.4142% | 6,028 |
| Retained earnings to average equity (ytd only) | -10.4142% | 5,821 |
| Net charge-offs to loans | 0.1726% | 1,105 |
| Credit loss provision to net charge-offs | 587.2483% | 538 |
| Earnings coverage of net charge-offs (x) | -10.1275% | 3,058 |
| Efficiency ratio | 120.5733% | 101 |
| Assets per employee ($millions) | 2.8319% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 5,340 |
| Loan loss allowance to noncurrent loans | 34.0656% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.9602% | 900 |
| Noncurrent loans to loans | 2.3637% | 831 |
| Net loans and leases to total assets | 82.2626% | 528 |
| Net loans and leases to deposits | 95.0191% | 1,043 |
| Net loans and leases to core deposits | 167.6678% | 63 |
| Total domestic deposits to total assets | 86.5748% | 2,418 |
| Equity capital to assets | 11.9530% | 2,061 |
| Core capital (leverage) ratio | 11.7687% | 1,779 |
| Tier 1 risk-based capital ratio | 13.6199% | 3,916 |
| Total risk-based capital ratio | 14.4686% | 4,063 |
| Memoranda: | ||
| Average total assets | $441,590,500 | 1,544 |
| Average earning assets | $415,694,000 | 1,523 |
| Average equity | $53,158,000 | 1,447 |
| Average total loans | $345,337,500 | 1,346 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2878% | 49 |
| Cost of funding earning assets | 1.0663% | 121 |
| Net interest margin | 6.2215% | 62 |
| Noninterest income to average assets | 1.9962% | 360 |
| Noninterest expense to average assets | 7.7900% | 115 |
| Loan and lease loss provision to assets | 0.3862% | 366 |
| Net operating income to assets | -0.2394% | 5,976 |
| Return on assets (ROA) | -0.2365% | 5,984 |
| Pretax return on assets | -0.3246% | 5,988 |
| Return on Equity (ROE) | -1.9813% | 5,979 |
| Retained earnings to average equity (ytd only) | -1.9813% | 5,747 |
| Net charge-offs to loans | 0.4590% | 598 |
| Credit loss provision to net charge-offs | 107.2267% | 2,346 |
| Earnings coverage of net charge-offs (x) | 0.1600% | 4,257 |
| Efficiency ratio | 98.4323% | 326 |
| Assets per employee ($millions) | 2.4544% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 5,683 |
| Loan loss allowance to noncurrent loans | 24.0615% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 2.0628% | 842 |
| Noncurrent loans to loans | 2.8053% | 608 |
| Net loans and leases to total assets | 73.0360% | 1,886 |
| Net loans and leases to deposits | 84.6278% | 2,290 |
| Net loans and leases to core deposits | 137.2095% | 197 |
| Total domestic deposits to total assets | 86.3026% | 2,493 |
| Equity capital to assets | 12.1217% | 1,867 |
| Core capital (leverage) ratio | 11.5210% | 1,948 |
| Tier 1 risk-based capital ratio | 15.7215% | 2,819 |
| Total risk-based capital ratio | 16.4872% | 2,997 |
| Memoranda: | ||
| Average total assets | $449,501,800 | 1,492 |
| Average earning assets | $422,761,200 | 1,470 |
| Average equity | $53,651,600 | 1,392 |
| Average total loans | $352,750,400 | 1,278 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5368% | 47 |
| Cost of funding earning assets | 1.0689% | 120 |
| Net interest margin | 6.4679% | 55 |
| Noninterest income to average assets | 1.3330% | 684 |
| Noninterest expense to average assets | 7.7126% | 120 |
| Loan and lease loss provision to assets | 0.3658% | 357 |
| Net operating income to assets | -0.4213% | 6,121 |
| Return on assets (ROA) | -0.4179% | 6,129 |
| Pretax return on assets | -0.6592% | 6,153 |
| Return on Equity (ROE) | -3.5147% | 6,113 |
| Retained earnings to average equity (ytd only) | -3.5147% | 5,964 |
| Net charge-offs to loans | 0.4079% | 630 |
| Credit loss provision to net charge-offs | 112.5569% | 2,078 |
| Earnings coverage of net charge-offs (x) | -0.9190% | 4,049 |
| Efficiency ratio | 103.2352% | 230 |
| Assets per employee ($millions) | 2.4198% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6927% | 5,745 |
| Loan loss allowance to noncurrent loans | 23.0866% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 2.1716% | 885 |
| Noncurrent loans to loans | 3.0005% | 588 |
| Net loans and leases to total assets | 71.8743% | 2,082 |
| Net loans and leases to deposits | 83.2736% | 2,493 |
| Net loans and leases to core deposits | 134.1023% | 226 |
| Total domestic deposits to total assets | 86.3110% | 2,378 |
| Equity capital to assets | 12.1477% | 1,998 |
| Core capital (leverage) ratio | 11.7178% | 1,873 |
| Tier 1 risk-based capital ratio | 15.7109% | 2,945 |
| Total risk-based capital ratio | 16.4867% | 3,109 |
| Memoranda: | ||
| Average total assets | $450,816,250 | 1,496 |
| Average earning assets | $423,849,250 | 1,474 |
| Average equity | $53,602,000 | 1,402 |
| Average total loans | $359,272,250 | 1,265 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1790% | 57 |
| Cost of funding earning assets | 1.0540% | 128 |
| Net interest margin | 6.1251% | 69 |
| Noninterest income to average assets | 0.6547% | 2,453 |
| Noninterest expense to average assets | 7.4918% | 128 |
| Loan and lease loss provision to assets | 0.5331% | 181 |
| Net operating income to assets | -1.0102% | 6,262 |
| Return on assets (ROA) | -1.0051% | 6,263 |
| Pretax return on assets | -1.6082% | 6,288 |
| Return on Equity (ROE) | -8.5129% | 6,242 |
| Retained earnings to average equity (ytd only) | -8.5129% | 6,143 |
| Net charge-offs to loans | 0.5016% | 496 |
| Credit loss provision to net charge-offs | 129.5187% | 1,701 |
| Earnings coverage of net charge-offs (x) | -2.6310% | 3,795 |
| Efficiency ratio | 116.1847% | 126 |
| Assets per employee ($millions) | 2.7597% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 5,897 |
| Loan loss allowance to noncurrent loans | 23.6691% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 2.2294% | 924 |
| Noncurrent loans to loans | 2.7380% | 779 |
| Net loans and leases to total assets | 80.8978% | 683 |
| Net loans and leases to deposits | 92.7200% | 1,284 |
| Net loans and leases to core deposits | 149.4480% | 110 |
| Total domestic deposits to total assets | 87.2496% | 2,036 |
| Equity capital to assets | 11.4195% | 2,480 |
| Core capital (leverage) ratio | 10.8863% | 2,527 |
| Tier 1 risk-based capital ratio | 13.4571% | 4,243 |
| Total risk-based capital ratio | 14.1692% | 4,482 |
| Memoranda: | ||
| Average total assets | $454,284,330 | 1,495 |
| Average earning assets | $426,770,670 | 1,474 |
| Average equity | $53,636,000 | 1,406 |
| Average total loans | $372,779,330 | 1,239 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8328% | 64 |
| Cost of funding earning assets | 1.0320% | 149 |
| Net interest margin | 5.8008% | 87 |
| Noninterest income to average assets | 0.0816% | 6,143 |
| Noninterest expense to average assets | 7.2951% | 140 |
| Loan and lease loss provision to assets | 0.5135% | 195 |
| Net operating income to assets | -1.4125% | 6,346 |
| Return on assets (ROA) | -1.4023% | 6,348 |
| Pretax return on assets | -2.2670% | 6,371 |
| Return on Equity (ROE) | -11.6810% | 6,328 |
| Retained earnings to average equity (ytd only) | -11.6810% | 6,171 |
| Net charge-offs to loans | 0.3908% | 629 |
| Credit loss provision to net charge-offs | 159.5041% | 1,209 |
| Earnings coverage of net charge-offs (x) | -5.4959% | 3,234 |
| Efficiency ratio | 131.5409% | 81 |
| Assets per employee ($millions) | 2.6345% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 5,978 |
| Loan loss allowance to noncurrent loans | 32.0926% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 1.6579% | 1,527 |
| Noncurrent loans to loans | 2.0423% | 1,273 |
| Net loans and leases to total assets | 80.6486% | 614 |
| Net loans and leases to deposits | 92.8814% | 1,100 |
| Net loans and leases to core deposits | 144.3502% | 127 |
| Total domestic deposits to total assets | 86.8296% | 2,469 |
| Equity capital to assets | 11.8383% | 2,160 |
| Core capital (leverage) ratio | 11.7253% | 1,833 |
| Tier 1 risk-based capital ratio | 14.2080% | 3,876 |
| Total risk-based capital ratio | 14.9321% | 4,138 |
| Memoranda: | ||
| Average total assets | $450,987,500 | 1,516 |
| Average earning assets | $423,255,500 | 1,491 |
| Average equity | $54,139,000 | 1,405 |
| Average total loans | $371,533,000 | 1,238 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1444% | 60 |
| Cost of funding earning assets | 1.0590% | 175 |
| Net interest margin | 6.0854% | 80 |
| Noninterest income to average assets | 0.4923% | 3,570 |
| Noninterest expense to average assets | 6.9433% | 139 |
| Loan and lease loss provision to assets | 0.1474% | 1,789 |
| Net operating income to assets | -0.5597% | 6,313 |
| Return on assets (ROA) | -0.5597% | 6,311 |
| Pretax return on assets | -0.8692% | 6,348 |
| Return on Equity (ROE) | -5.2572% | 6,290 |
| Retained earnings to average equity (ytd only) | -5.2572% | 6,185 |
| Net charge-offs to loans | 0.3995% | 1,074 |
| Credit loss provision to net charge-offs | 51.0111% | 3,459 |
| Earnings coverage of net charge-offs (x) | -2.4984% | 4,845 |
| Efficiency ratio | 110.6358% | 215 |
| Assets per employee ($millions) | 2.2023% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5814% | 6,166 |
| Loan loss allowance to noncurrent loans | 27.3634% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 1.7760% | 1,473 |
| Noncurrent loans to loans | 2.1249% | 1,281 |
| Net loans and leases to total assets | 83.0950% | 423 |
| Net loans and leases to deposits | 96.0337% | 898 |
| Net loans and leases to core deposits | 146.9655% | 121 |
| Total domestic deposits to total assets | 86.5269% | 2,559 |
| Equity capital to assets | 12.1704% | 1,890 |
| Core capital (leverage) ratio | 11.6913% | 1,834 |
| Tier 1 risk-based capital ratio | 13.8114% | 4,231 |
| Total risk-based capital ratio | 14.4581% | 4,505 |
| Memoranda: | ||
| Average total assets | $530,601,400 | 1,267 |
| Average earning assets | $499,540,000 | 1,234 |
| Average equity | $56,494,400 | 1,297 |
| Average total loans | $383,688,400 | 1,160 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1910% | 61 |
| Cost of funding earning assets | 1.0482% | 195 |
| Net interest margin | 6.1428% | 76 |
| Noninterest income to average assets | 0.5412% | 3,253 |
| Noninterest expense to average assets | 6.9092% | 140 |
| Loan and lease loss provision to assets | 0.2190% | 1,047 |
| Net operating income to assets | -0.4956% | 6,369 |
| Return on assets (ROA) | -0.4956% | 6,365 |
| Pretax return on assets | -0.7992% | 6,418 |
| Return on Equity (ROE) | -4.7958% | 6,363 |
| Retained earnings to average equity (ytd only) | -4.7958% | 6,246 |
| Net charge-offs to loans | 0.4662% | 843 |
| Credit loss provision to net charge-offs | 67.1121% | 2,816 |
| Earnings coverage of net charge-offs (x) | -1.7780% | 4,555 |
| Efficiency ratio | 108.2332% | 244 |
| Assets per employee ($millions) | 2.3640% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6732% | 6,138 |
| Loan loss allowance to noncurrent loans | 32.0318% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7933% | 1,661 |
| Noncurrent loans to loans | 2.1017% | 1,490 |
| Net loans and leases to total assets | 72.2927% | 1,797 |
| Net loans and leases to deposits | 82.4624% | 2,366 |
| Net loans and leases to core deposits | 123.9814% | 310 |
| Total domestic deposits to total assets | 87.6675% | 1,943 |
| Equity capital to assets | 10.9415% | 3,014 |
| Core capital (leverage) ratio | 10.5922% | 2,932 |
| Tier 1 risk-based capital ratio | 14.1851% | 4,090 |
| Total risk-based capital ratio | 14.9128% | 4,380 |
| Memoranda: | ||
| Average total assets | $550,384,000 | 1,222 |
| Average earning assets | $518,579,000 | 1,185 |
| Average equity | $56,881,500 | 1,297 |
| Average total loans | $385,274,500 | 1,152 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4156% | 55 |
| Cost of funding earning assets | 1.0358% | 215 |
| Net interest margin | 6.3798% | 70 |
| Noninterest income to average assets | 0.7817% | 1,908 |
| Noninterest expense to average assets | 6.9048% | 141 |
| Loan and lease loss provision to assets | 0.3204% | 592 |
| Net operating income to assets | -0.2644% | 6,353 |
| Return on assets (ROA) | -0.2644% | 6,365 |
| Pretax return on assets | -0.4226% | 6,399 |
| Return on Equity (ROE) | -2.6041% | 6,362 |
| Retained earnings to average equity (ytd only) | -2.6041% | 6,062 |
| Net charge-offs to loans | 0.5218% | 777 |
| Credit loss provision to net charge-offs | 88.7906% | 2,201 |
| Earnings coverage of net charge-offs (x) | -0.2832% | 4,161 |
| Efficiency ratio | 100.7303% | 383 |
| Assets per employee ($millions) | 2.7577% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7368% | 6,118 |
| Loan loss allowance to noncurrent loans | 23.9854% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 2.2351% | 1,352 |
| Noncurrent loans to loans | 3.0717% | 930 |
| Net loans and leases to total assets | 68.8103% | 2,277 |
| Net loans and leases to deposits | 77.8551% | 2,819 |
| Net loans and leases to core deposits | 115.8191% | 483 |
| Total domestic deposits to total assets | 88.3826% | 1,693 |
| Equity capital to assets | 10.3140% | 3,669 |
| Core capital (leverage) ratio | 10.0105% | 3,594 |
| Tier 1 risk-based capital ratio | 14.2412% | 4,106 |
| Total risk-based capital ratio | 15.0380% | 4,347 |
| Memoranda: | ||
| Average total assets | $563,634,000 | 1,181 |
| Average earning assets | $531,932,670 | 1,146 |
| Average equity | $57,218,330 | 1,275 |
| Average total loans | $389,815,000 | 1,128 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1224% | 64 |
| Cost of funding earning assets | 1.0265% | 242 |
| Net interest margin | 6.0959% | 79 |
| Noninterest income to average assets | -0.3998% | 6,709 |
| Noninterest expense to average assets | 6.8316% | 146 |
| Loan and lease loss provision to assets | 0.0711% | 2,716 |
| Net operating income to assets | -0.9467% | 6,566 |
| Return on assets (ROA) | -0.9467% | 6,566 |
| Pretax return on assets | -1.5513% | 6,617 |
| Return on Equity (ROE) | -9.3987% | 6,555 |
| Retained earnings to average equity (ytd only) | -9.3987% | 6,341 |
| Net charge-offs to loans | 0.2221% | 1,434 |
| Credit loss provision to net charge-offs | 46.3303% | 2,240 |
| Earnings coverage of net charge-offs (x) | -9.6468% | 3,602 |
| Efficiency ratio | 126.8447% | 140 |
| Assets per employee ($millions) | 2.8245% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 6,226 |
| Loan loss allowance to noncurrent loans | 23.5177% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 2.2650% | 1,451 |
| Noncurrent loans to loans | 3.1061% | 1,009 |
| Net loans and leases to total assets | 68.7186% | 2,107 |
| Net loans and leases to deposits | 77.7251% | 2,598 |
| Net loans and leases to core deposits | 118.0528% | 362 |
| Total domestic deposits to total assets | 88.4123% | 1,986 |
| Equity capital to assets | 10.1152% | 3,702 |
| Core capital (leverage) ratio | 9.8435% | 3,797 |
| Tier 1 risk-based capital ratio | 14.0603% | 4,289 |
| Total risk-based capital ratio | 14.7848% | 4,595 |
| Memoranda: | ||
| Average total assets | $568,298,500 | 1,170 |
| Average earning assets | $536,167,500 | 1,145 |
| Average equity | $57,242,000 | 1,269 |
| Average total loans | $392,597,500 | 1,123 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7006% | 53 |
| Cost of funding earning assets | 1.0771% | 319 |
| Net interest margin | 6.6235% | 54 |
| Noninterest income to average assets | 1.4422% | 665 |
| Noninterest expense to average assets | 7.0472% | 144 |
| Loan and lease loss provision to assets | 0.5458% | 485 |
| Net operating income to assets | 0.0150% | 6,187 |
| Return on assets (ROA) | 0.0150% | 6,229 |
| Pretax return on assets | 0.0646% | 6,136 |
| Return on Equity (ROE) | 0.1626% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.1626% | 5,778 |
| Net charge-offs to loans | 0.7352% | 874 |
| Credit loss provision to net charge-offs | 102.8495% | 2,351 |
| Earnings coverage of net charge-offs (x) | 1.1502% | 4,691 |
| Efficiency ratio | 90.4877% | 985 |
| Assets per employee ($millions) | 2.6483% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 6,161 |
| Loan loss allowance to noncurrent loans | 33.2366% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 2.0835% | 1,719 |
| Noncurrent loans to loans | 2.4248% | 1,575 |
| Net loans and leases to total assets | 68.3904% | 2,282 |
| Net loans and leases to deposits | 77.0898% | 2,843 |
| Net loans and leases to core deposits | 116.6004% | 405 |
| Total domestic deposits to total assets | 88.7153% | 1,794 |
| Equity capital to assets | 10.0312% | 3,729 |
| Core capital (leverage) ratio | 9.9937% | 3,587 |
| Tier 1 risk-based capital ratio | 14.2815% | 4,094 |
| Total risk-based capital ratio | 15.0758% | 4,367 |
| Memoranda: | ||
| Average total assets | $634,806,600 | 1,055 |
| Average earning assets | $595,694,200 | 1,029 |
| Average equity | $58,439,800 | 1,236 |
| Average total loans | $458,244,400 | 932 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9950% | 49 |
| Cost of funding earning assets | 1.0829% | 340 |
| Net interest margin | 6.9121% | 52 |
| Noninterest income to average assets | 1.6852% | 532 |
| Noninterest expense to average assets | 7.0500% | 147 |
| Loan and lease loss provision to assets | 0.3352% | 980 |
| Net operating income to assets | 0.4371% | 5,081 |
| Return on assets (ROA) | 0.4371% | 5,230 |
| Pretax return on assets | 0.7774% | 4,394 |
| Return on Equity (ROE) | 4.8441% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.8441% | 3,201 |
| Net charge-offs to loans | 0.3685% | 1,726 |
| Credit loss provision to net charge-offs | 124.7706% | 1,890 |
| Earnings coverage of net charge-offs (x) | 4.1414% | 3,529 |
| Efficiency ratio | 84.7143% | 1,512 |
| Assets per employee ($millions) | 2.7544% | 6,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 6,267 |
| Loan loss allowance to noncurrent loans | 21.0436% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 3.7508% | 874 |
| Noncurrent loans to loans | 3.8388% | 935 |
| Net loans and leases to total assets | 68.9986% | 2,145 |
| Net loans and leases to deposits | 77.8653% | 2,690 |
| Net loans and leases to core deposits | 122.9483% | 276 |
| Total domestic deposits to total assets | 88.6127% | 1,776 |
| Equity capital to assets | 9.8036% | 4,179 |
| Core capital (leverage) ratio | 9.7550% | 4,023 |
| Tier 1 risk-based capital ratio | 13.6946% | 4,633 |
| Total risk-based capital ratio | 14.4838% | 4,896 |
| Memoranda: | ||
| Average total assets | $649,173,750 | 1,035 |
| Average earning assets | $608,347,250 | 1,015 |
| Average equity | $58,571,250 | 1,235 |
| Average total loans | $473,292,500 | 900 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0550% | 46 |
| Cost of funding earning assets | 1.0562% | 417 |
| Net interest margin | 6.9988% | 50 |
| Noninterest income to average assets | 2.0044% | 444 |
| Noninterest expense to average assets | 7.2666% | 138 |
| Loan and lease loss provision to assets | 0.3618% | 917 |
| Net operating income to assets | 0.5443% | 4,579 |
| Return on assets (ROA) | 0.5443% | 4,749 |
| Pretax return on assets | 0.9309% | 3,779 |
| Return on Equity (ROE) | 6.1983% | 4,050 |
| Retained earnings to average equity (ytd only) | 6.1983% | 2,323 |
| Net charge-offs to loans | 0.3528% | 1,783 |
| Credit loss provision to net charge-offs | 138.7022% | 1,638 |
| Earnings coverage of net charge-offs (x) | 4.9560% | 2,992 |
| Efficiency ratio | 82.8849% | 1,772 |
| Assets per employee ($millions) | 2.8071% | 6,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7530% | 6,427 |
| Loan loss allowance to noncurrent loans | 19.9214% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 3.8234% | 948 |
| Noncurrent loans to loans | 3.7798% | 1,078 |
| Net loans and leases to total assets | 72.2349% | 1,535 |
| Net loans and leases to deposits | 81.5273% | 2,113 |
| Net loans and leases to core deposits | 125.6772% | 229 |
| Total domestic deposits to total assets | 88.6021% | 1,850 |
| Equity capital to assets | 9.4820% | 4,607 |
| Core capital (leverage) ratio | 9.4216% | 4,355 |
| Tier 1 risk-based capital ratio | 12.6968% | 5,356 |
| Total risk-based capital ratio | 13.4359% | 5,634 |
| Memoranda: | ||
| Average total assets | $661,741,000 | 1,010 |
| Average earning assets | $619,766,670 | 992 |
| Average equity | $58,113,000 | 1,248 |
| Average total loans | $489,275,670 | 864 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9557% | 43 |
| Cost of funding earning assets | 1.0209% | 548 |
| Net interest margin | 6.9348% | 48 |
| Noninterest income to average assets | 0.6069% | 3,097 |
| Noninterest expense to average assets | 7.3309% | 139 |
| Loan and lease loss provision to assets | 0.6741% | 352 |
| Net operating income to assets | -0.5461% | 6,694 |
| Return on assets (ROA) | -0.5461% | 6,715 |
| Pretax return on assets | -0.9000% | 6,778 |
| Return on Equity (ROE) | -6.4576% | 6,730 |
| Retained earnings to average equity (ytd only) | -6.4576% | 6,440 |
| Net charge-offs to loans | 0.5559% | 1,092 |
| Credit loss provision to net charge-offs | 162.8205% | 1,289 |
| Earnings coverage of net charge-offs (x) | -0.5456% | 3,930 |
| Efficiency ratio | 102.5816% | 468 |
| Assets per employee ($millions) | 2.8988% | 6,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 6,608 |
| Loan loss allowance to noncurrent loans | 18.6411% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 3.4374% | 1,246 |
| Noncurrent loans to loans | 3.7213% | 1,261 |
| Net loans and leases to total assets | 71.6169% | 1,414 |
| Net loans and leases to deposits | 83.3537% | 1,656 |
| Net loans and leases to core deposits | 115.0796% | 369 |
| Total domestic deposits to total assets | 85.9194% | 3,572 |
| Equity capital to assets | 8.0114% | 6,369 |
| Core capital (leverage) ratio | 7.8412% | 6,258 |
| Tier 1 risk-based capital ratio | 10.8579% | 6,460 |
| Total risk-based capital ratio | 11.5519% | 6,626 |
| Memoranda: | ||
| Average total assets | $678,220,500 | 993 |
| Average earning assets | $635,516,500 | 970 |
| Average equity | $57,359,000 | 1,273 |
| Average total loans | $505,090,500 | 840 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5836% | 30 |
| Cost of funding earning assets | 1.0731% | 1,006 |
| Net interest margin | 8.5105% | 29 |
| Noninterest income to average assets | 1.5539% | 652 |
| Noninterest expense to average assets | 6.9213% | 153 |
| Loan and lease loss provision to assets | 0.6672% | 795 |
| Net operating income to assets | 1.1238% | 1,861 |
| Return on assets (ROA) | 1.1238% | 2,025 |
| Pretax return on assets | 1.8784% | 783 |
| Return on Equity (ROE) | 12.3341% | 1,407 |
| Retained earnings to average equity (ytd only) | 12.3341% | 297 |
| Net charge-offs to loans | 0.5973% | 1,942 |
| Credit loss provision to net charge-offs | 138.8660% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.2979% | 3,074 |
| Efficiency ratio | 72.8124% | 3,273 |
| Assets per employee ($millions) | 2.6485% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6249% | 6,726 |
| Loan loss allowance to noncurrent loans | 17.0436% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 3.6529% | 1,217 |
| Noncurrent loans to loans | 3.6665% | 1,329 |
| Net loans and leases to total assets | 76.5802% | 846 |
| Net loans and leases to deposits | 85.0470% | 1,630 |
| Net loans and leases to core deposits | 111.8146% | 478 |
| Total domestic deposits to total assets | 90.0446% | 926 |
| Equity capital to assets | 8.9473% | 5,581 |
| Core capital (leverage) ratio | 8.7524% | 5,254 |
| Tier 1 risk-based capital ratio | 11.2296% | 6,257 |
| Total risk-based capital ratio | 11.8487% | 6,485 |
| Memoranda: | ||
| Average total assets | $605,635,600 | 1,097 |
| Average earning assets | $563,117,800 | 1,074 |
| Average equity | $55,180,400 | 1,293 |
| Average total loans | $487,161,600 | 846 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9795% | 27 |
| Cost of funding earning assets | 1.0761% | 1,164 |
| Net interest margin | 8.9034% | 27 |
| Noninterest income to average assets | 1.9383% | 439 |
| Noninterest expense to average assets | 7.3274% | 128 |
| Loan and lease loss provision to assets | 0.6061% | 905 |
| Net operating income to assets | 1.3678% | 1,295 |
| Return on assets (ROA) | 1.3678% | 1,425 |
| Pretax return on assets | 2.2670% | 424 |
| Return on Equity (ROE) | 14.9396% | 916 |
| Retained earnings to average equity (ytd only) | 14.9396% | 240 |
| Net charge-offs to loans | 0.3798% | 2,578 |
| Credit loss provision to net charge-offs | 196.1594% | 1,414 |
| Earnings coverage of net charge-offs (x) | 9.2986% | 2,341 |
| Efficiency ratio | 71.5527% | 3,407 |
| Assets per employee ($millions) | 2.6041% | 6,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 6,822 |
| Loan loss allowance to noncurrent loans | 13.8718% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 4.2804% | 1,103 |
| Noncurrent loans to loans | 4.5935% | 1,019 |
| Net loans and leases to total assets | 82.1938% | 328 |
| Net loans and leases to deposits | 91.9751% | 976 |
| Net loans and leases to core deposits | 116.3191% | 378 |
| Total domestic deposits to total assets | 89.3653% | 1,208 |
| Equity capital to assets | 9.1028% | 5,704 |
| Core capital (leverage) ratio | 8.8956% | 5,201 |
| Tier 1 risk-based capital ratio | 10.5437% | 6,652 |
| Total risk-based capital ratio | 11.1698% | 6,796 |
| Memoranda: | ||
| Average total assets | $595,486,500 | 1,126 |
| Average earning assets | $552,598,250 | 1,110 |
| Average equity | $54,520,500 | 1,319 |
| Average total loans | $484,452,500 | 859 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2484% | 25 |
| Cost of funding earning assets | 1.0780% | 1,320 |
| Net interest margin | 9.1704% | 24 |
| Noninterest income to average assets | 2.6779% | 276 |
| Noninterest expense to average assets | 7.3931% | 133 |
| Loan and lease loss provision to assets | 0.4699% | 1,360 |
| Net operating income to assets | 2.0103% | 391 |
| Return on assets (ROA) | 2.0103% | 446 |
| Pretax return on assets | 3.3216% | 125 |
| Return on Equity (ROE) | 21.9119% | 252 |
| Retained earnings to average equity (ytd only) | 21.9119% | 74 |
| Net charge-offs to loans | 0.2533% | 3,062 |
| Credit loss provision to net charge-offs | 229.3823% | 1,246 |
| Earnings coverage of net charge-offs (x) | 18.5075% | 1,482 |
| Efficiency ratio | 65.8380% | 4,561 |
| Assets per employee ($millions) | 2.8168% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5314% | 7,001 |
| Loan loss allowance to noncurrent loans | 12.2434% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 4.0565% | 1,252 |
| Noncurrent loans to loans | 4.3402% | 1,240 |
| Net loans and leases to total assets | 81.7617% | 351 |
| Net loans and leases to deposits | 91.0935% | 1,036 |
| Net loans and leases to core deposits | 111.1334% | 535 |
| Total domestic deposits to total assets | 89.7558% | 1,069 |
| Equity capital to assets | 9.0170% | 5,682 |
| Core capital (leverage) ratio | 8.8048% | 5,207 |
| Tier 1 risk-based capital ratio | 10.6062% | 6,659 |
| Total risk-based capital ratio | 11.1335% | 6,841 |
| Memoranda: | ||
| Average total assets | $584,786,670 | 1,149 |
| Average earning assets | $542,465,000 | 1,128 |
| Average equity | $53,651,330 | 1,331 |
| Average total loans | $472,888,330 | 875 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8740% | 37 |
| Cost of funding earning assets | 1.0466% | 1,698 |
| Net interest margin | 7.8274% | 38 |
| Noninterest income to average assets | 2.6391% | 282 |
| Noninterest expense to average assets | 7.0216% | 140 |
| Loan and lease loss provision to assets | 0.4408% | 1,417 |
| Net operating income to assets | 1.4527% | 1,114 |
| Return on assets (ROA) | 1.4527% | 1,245 |
| Pretax return on assets | 2.3984% | 392 |
| Return on Equity (ROE) | 15.6833% | 855 |
| Retained earnings to average equity (ytd only) | 15.6833% | 393 |
| Net charge-offs to loans | 0.2169% | 2,842 |
| Credit loss provision to net charge-offs | 253.6885% | 1,127 |
| Earnings coverage of net charge-offs (x) | 16.3402% | 1,374 |
| Efficiency ratio | 70.8962% | 3,641 |
| Assets per employee ($millions) | 2.5509% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4873% | 7,075 |
| Loan loss allowance to noncurrent loans | 12.7228% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 3.2018% | 1,810 |
| Noncurrent loans to loans | 3.8300% | 1,618 |
| Net loans and leases to total assets | 79.5844% | 450 |
| Net loans and leases to deposits | 88.3418% | 1,127 |
| Net loans and leases to core deposits | 104.8770% | 724 |
| Total domestic deposits to total assets | 90.0869% | 1,037 |
| Equity capital to assets | 8.7758% | 5,782 |
| Core capital (leverage) ratio | 8.5475% | 5,512 |
| Tier 1 risk-based capital ratio | 10.8529% | 6,596 |
| Total risk-based capital ratio | 11.3489% | 6,846 |
| Memoranda: | ||
| Average total assets | $561,698,000 | 1,207 |
| Average earning assets | $518,233,000 | 1,180 |
| Average equity | $52,030,000 | 1,362 |
| Average total loans | $450,011,000 | 917 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2145% | 48 |
| Cost of funding earning assets | 0.9999% | 3,382 |
| Net interest margin | 7.2145% | 43 |
| Noninterest income to average assets | 2.3509% | 294 |
| Noninterest expense to average assets | 7.2142% | 133 |
| Loan and lease loss provision to assets | 0.6250% | 1,638 |
| Net operating income to assets | 0.6023% | 3,988 |
| Return on assets (ROA) | 0.7114% | 3,615 |
| Pretax return on assets | 1.1930% | 2,489 |
| Return on Equity (ROE) | 5.8077% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.8077% | 2,121 |
| Net charge-offs to loans | 0.4253% | 3,303 |
| Credit loss provision to net charge-offs | 187.7719% | 1,365 |
| Earnings coverage of net charge-offs (x) | 5.1343% | 2,885 |
| Efficiency ratio | 79.7963% | 2,328 |
| Assets per employee ($millions) | 2.2957% | 7,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4677% | 7,125 |
| Loan loss allowance to noncurrent loans | 15.3531% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 2.5648% | 2,365 |
| Noncurrent loans to loans | 3.0462% | 2,125 |
| Net loans and leases to total assets | 79.9063% | 503 |
| Net loans and leases to deposits | 89.7269% | 1,191 |
| Net loans and leases to core deposits | 112.0567% | 562 |
| Total domestic deposits to total assets | 89.0551% | 1,505 |
| Equity capital to assets | 9.8307% | 4,399 |
| Core capital (leverage) ratio | 9.5628% | 3,927 |
| Tier 1 risk-based capital ratio | 11.3371% | 6,266 |
| Total risk-based capital ratio | 11.7835% | 6,655 |
| Memoranda: | ||
| Average total assets | $400,490,200 | 1,621 |
| Average earning assets | $364,832,600 | 1,619 |
| Average equity | $49,055,200 | 1,388 |
| Average total loans | $313,408,400 | 1,354 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2219% | 48 |
| Cost of funding earning assets | 1.0301% | 3,471 |
| Net interest margin | 7.1919% | 44 |
| Noninterest income to average assets | 1.8937% | 416 |
| Noninterest expense to average assets | 7.3562% | 124 |
| Loan and lease loss provision to assets | 0.5184% | 1,911 |
| Net operating income to assets | 0.3559% | 5,181 |
| Return on assets (ROA) | 0.5130% | 4,680 |
| Pretax return on assets | 0.7520% | 4,305 |
| Return on Equity (ROE) | 3.9174% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.9174% | 3,932 |
| Net charge-offs to loans | 0.2809% | 3,678 |
| Credit loss provision to net charge-offs | 237.9538% | 1,197 |
| Earnings coverage of net charge-offs (x) | 5.1106% | 2,873 |
| Efficiency ratio | 85.7773% | 1,557 |
| Assets per employee ($millions) | 1.7875% | 7,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5570% | 7,127 |
| Loan loss allowance to noncurrent loans | 20.4278% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 2.1349% | 2,994 |
| Noncurrent loans to loans | 2.7266% | 2,572 |
| Net loans and leases to total assets | 72.6157% | 1,580 |
| Net loans and leases to deposits | 84.1949% | 1,974 |
| Net loans and leases to core deposits | 97.8017% | 1,436 |
| Total domestic deposits to total assets | 86.2471% | 3,067 |
| Equity capital to assets | 12.4208% | 1,959 |
| Core capital (leverage) ratio | 11.9542% | 1,730 |
| Tier 1 risk-based capital ratio | 15.5718% | 3,345 |
| Total risk-based capital ratio | 16.1045% | 3,724 |
| Memoranda: | ||
| Average total assets | $370,906,500 | 1,756 |
| Average earning assets | $339,133,750 | 1,759 |
| Average equity | $48,568,000 | 1,410 |
| Average total loans | $287,630,000 | 1,498 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7998% | 59 |
| Cost of funding earning assets | 1.0454% | 3,637 |
| Net interest margin | 6.7544% | 60 |
| Noninterest income to average assets | 1.8589% | 398 |
| Noninterest expense to average assets | 7.3101% | 128 |
| Loan and lease loss provision to assets | 0.4869% | 2,024 |
| Net operating income to assets | 0.1872% | 5,782 |
| Return on assets (ROA) | 0.4284% | 4,968 |
| Pretax return on assets | 0.4776% | 5,141 |
| Return on Equity (ROE) | 3.2114% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.2114% | 4,225 |
| Net charge-offs to loans | 0.1973% | 3,968 |
| Credit loss provision to net charge-offs | 311.6608% | 976 |
| Earnings coverage of net charge-offs (x) | 4.6290% | 2,813 |
| Efficiency ratio | 90.0282% | 1,236 |
| Assets per employee ($millions) | 1.9429% | 7,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4583% | 7,251 |
| Loan loss allowance to noncurrent loans | 30.5457% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 1.2907% | 4,318 |
| Noncurrent loans to loans | 1.5005% | 4,167 |
| Net loans and leases to total assets | 74.7205% | 1,280 |
| Net loans and leases to deposits | 86.4483% | 1,726 |
| Net loans and leases to core deposits | 99.8864% | 1,351 |
| Total domestic deposits to total assets | 86.4338% | 3,083 |
| Equity capital to assets | 12.1518% | 1,997 |
| Core capital (leverage) ratio | 11.5829% | 1,852 |
| Tier 1 risk-based capital ratio | 14.8006% | 3,612 |
| Total risk-based capital ratio | 15.2431% | 4,148 |
| Memoranda: | ||
| Average total assets | $362,264,330 | 1,809 |
| Average earning assets | $331,160,330 | 1,805 |
| Average equity | $48,327,330 | 1,398 |
| Average total loans | $286,914,330 | 1,516 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9540% | 61 |
| Cost of funding earning assets | 1.0321% | 3,978 |
| Net interest margin | 6.9219% | 57 |
| Noninterest income to average assets | 2.9737% | 226 |
| Noninterest expense to average assets | 7.6650% | 119 |
| Loan and lease loss provision to assets | 0.3927% | 2,225 |
| Net operating income to assets | 0.7458% | 3,295 |
| Return on assets (ROA) | 0.7458% | 3,360 |
| Pretax return on assets | 1.2538% | 2,187 |
| Return on Equity (ROE) | 5.3142% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.3142% | 2,996 |
| Net charge-offs to loans | 0.1956% | 3,330 |
| Credit loss provision to net charge-offs | 245.9854% | 1,276 |
| Earnings coverage of net charge-offs (x) | 10.3139% | 1,646 |
| Efficiency ratio | 81.5417% | 2,291 |
| Assets per employee ($millions) | 1.9492% | 7,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3173% | 7,394 |
| Loan loss allowance to noncurrent loans | 23.8579% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 1.3006% | 4,367 |
| Noncurrent loans to loans | 1.3301% | 4,479 |
| Net loans and leases to total assets | 81.3087% | 415 |
| Net loans and leases to deposits | 96.2362% | 673 |
| Net loans and leases to core deposits | 109.7685% | 739 |
| Total domestic deposits to total assets | 84.4886% | 4,276 |
| Equity capital to assets | 14.0569% | 995 |
| Core capital (leverage) ratio | 13.4447% | 985 |
| Tier 1 risk-based capital ratio | 15.9712% | 2,912 |
| Total risk-based capital ratio | 16.2808% | 3,368 |
| Memoranda: | ||
| Average total assets | $343,273,500 | 1,910 |
| Average earning assets | $314,306,500 | 1,900 |
| Average equity | $48,172,500 | 1,390 |
| Average total loans | $280,150,000 | 1,564 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4971% | 82 |
| Cost of funding earning assets | 1.2080% | 4,512 |
| Net interest margin | 6.2891% | 80 |
| Noninterest income to average assets | 1.4135% | 730 |
| Noninterest expense to average assets | 6.9579% | 159 |
| Loan and lease loss provision to assets | 0.4942% | 3,183 |
| Net operating income to assets | -0.3155% | 6,231 |
| Return on assets (ROA) | -0.0706% | 6,028 |
| Pretax return on assets | -0.2132% | 6,098 |
| Return on Equity (ROE) | -0.6005% | 6,028 |
| Retained earnings to average equity (ytd only) | -0.6005% | 5,732 |
| Net charge-offs to loans | 0.2247% | 4,939 |
| Credit loss provision to net charge-offs | 289.2562% | 935 |
| Earnings coverage of net charge-offs (x) | 0.1736% | 5,937 |
| Efficiency ratio | 99.1513% | 813 |
| Assets per employee ($millions) | 1.9081% | 7,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2485% | 7,506 |
| Loan loss allowance to noncurrent loans | 18.2225% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 4,407 |
| Noncurrent loans to loans | 1.3636% | 4,439 |
| Net loans and leases to total assets | 81.4526% | 495 |
| Net loans and leases to deposits | 96.6865% | 803 |
| Net loans and leases to core deposits | 110.0938% | 912 |
| Total domestic deposits to total assets | 84.2441% | 4,249 |
| Equity capital to assets | 14.0094% | 1,036 |
| Core capital (leverage) ratio | 13.1206% | 1,089 |
| Tier 1 risk-based capital ratio | 15.2204% | 3,140 |
| Total risk-based capital ratio | 15.4582% | 3,689 |
| Memoranda: | ||
| Average total assets | $283,273,400 | 2,259 |
| Average earning assets | $251,071,000 | 2,331 |
| Average equity | $33,305,600 | 1,985 |
| Average total loans | $215,364,400 | 2,009 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3842% | 94 |
| Cost of funding earning assets | 1.2267% | 4,706 |
| Net interest margin | 6.1576% | 84 |
| Noninterest income to average assets | 1.5471% | 585 |
| Noninterest expense to average assets | 6.5215% | 180 |
| Loan and lease loss provision to assets | 0.5954% | 2,563 |
| Net operating income to assets | -0.0846% | 6,166 |
| Return on assets (ROA) | 0.2858% | 5,384 |
| Pretax return on assets | 0.2337% | 5,652 |
| Return on Equity (ROE) | 2.5884% | 5,394 |
| Retained earnings to average equity (ytd only) | 2.5884% | 4,607 |
| Net charge-offs to loans | 0.3081% | 4,114 |
| Credit loss provision to net charge-offs | 260.3037% | 1,272 |
| Earnings coverage of net charge-offs (x) | 1.8937% | 4,287 |
| Efficiency ratio | 93.3790% | 1,033 |
| Assets per employee ($millions) | 1.8586% | 7,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2107% | 7,637 |
| Loan loss allowance to noncurrent loans | 18.1116% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 1.0521% | 5,008 |
| Noncurrent loans to loans | 1.1631% | 4,921 |
| Net loans and leases to total assets | 71.4739% | 2,360 |
| Net loans and leases to deposits | 81.9395% | 3,118 |
| Net loans and leases to core deposits | 102.3431% | 1,623 |
| Total domestic deposits to total assets | 87.2277% | 2,412 |
| Equity capital to assets | 11.3102% | 2,695 |
| Core capital (leverage) ratio | 10.7344% | 2,483 |
| Tier 1 risk-based capital ratio | 14.5968% | 3,461 |
| Total risk-based capital ratio | 14.8033% | 4,106 |
| Memoranda: | ||
| Average total assets | $268,706,250 | 2,408 |
| Average earning assets | $235,974,000 | 2,511 |
| Average equity | $29,670,000 | 2,228 |
| Average total loans | $199,483,500 | 2,190 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9393% | 168 |
| Cost of funding earning assets | 1.4473% | 3,577 |
| Net interest margin | 5.4920% | 172 |
| Noninterest income to average assets | 1.7570% | 428 |
| Noninterest expense to average assets | 6.4941% | 177 |
| Loan and lease loss provision to assets | 0.7368% | 1,965 |
| Net operating income to assets | -0.5031% | 6,653 |
| Return on assets (ROA) | 0.1081% | 5,956 |
| Pretax return on assets | -0.1326% | 6,279 |
| Return on Equity (ROE) | 0.9900% | 5,962 |
| Retained earnings to average equity (ytd only) | 0.9900% | 5,374 |
| Net charge-offs to loans | 0.4796% | 3,100 |
| Credit loss provision to net charge-offs | 203.6199% | 1,914 |
| Earnings coverage of net charge-offs (x) | -0.1357% | 5,833 |
| Efficiency ratio | 100.0635% | 798 |
| Assets per employee ($millions) | 1.6858% | 7,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1021% | 7,738 |
| Loan loss allowance to noncurrent loans | 6.4392% | 7,298 |
| Noncurrent assets plus other real estate owned to assets | 1.5507% | 4,133 |
| Noncurrent loans to loans | 1.5854% | 4,333 |
| Net loans and leases to total assets | 73.9461% | 1,921 |
| Net loans and leases to deposits | 87.7048% | 2,224 |
| Net loans and leases to core deposits | 90.2288% | 3,220 |
| Total domestic deposits to total assets | 84.3125% | 3,952 |
| Equity capital to assets | 13.8059% | 1,241 |
| Core capital (leverage) ratio | 13.2422% | 1,127 |
| Tier 1 risk-based capital ratio | 17.6814% | 2,039 |
| Total risk-based capital ratio | 17.7830% | 2,413 |
| Memoranda: | ||
| Average total assets | $244,283,330 | 2,664 |
| Average earning assets | $208,523,330 | 2,829 |
| Average equity | $26,667,330 | 2,434 |
| Average total loans | $184,331,670 | 2,373 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6185% | 93 |
| Cost of funding earning assets | 1.8152% | 1,817 |
| Net interest margin | 5.8033% | 128 |
| Noninterest income to average assets | 1.9428% | 354 |
| Noninterest expense to average assets | 6.0916% | 214 |
| Loan and lease loss provision to assets | 1.0252% | 1,213 |
| Net operating income to assets | -0.2696% | 6,626 |
| Return on assets (ROA) | -0.2204% | 6,640 |
| Pretax return on assets | -0.3554% | 6,688 |
| Return on Equity (ROE) | -2.3744% | 6,680 |
| Retained earnings to average equity (ytd only) | -2.3744% | 6,272 |
| Net charge-offs to loans | 0.5937% | 2,323 |
| Credit loss provision to net charge-offs | 226.4151% | 1,673 |
| Earnings coverage of net charge-offs (x) | 1.3094% | 3,963 |
| Efficiency ratio | 90.1840% | 1,424 |
| Assets per employee ($millions) | 1.6483% | 7,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 3,658 |
| Loan loss allowance to noncurrent loans | 97.9642% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.6786% | 3,956 |
| Noncurrent loans to loans | 1.5831% | 4,368 |
| Net loans and leases to total assets | 75.6959% | 1,609 |
| Net loans and leases to deposits | 88.6558% | 2,103 |
| Net loans and leases to core deposits | 91.1948% | 3,212 |
| Total domestic deposits to total assets | 85.3817% | 3,470 |
| Equity capital to assets | 9.2556% | 4,905 |
| Core capital (leverage) ratio | 8.1842% | 5,936 |
| Tier 1 risk-based capital ratio | 9.9403% | 7,070 |
| Total risk-based capital ratio | 11.1929% | 7,058 |
| Memoranda: | ||
| Average total assets | $234,093,500 | 2,824 |
| Average earning assets | $191,270,000 | 3,104 |
| Average equity | $21,731,500 | 2,976 |
| Average total loans | $178,543,500 | 2,502 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9034% | 89 |
| Cost of funding earning assets | 2.6641% | 644 |
| Net interest margin | 5.2392% | 270 |
| Noninterest income to average assets | 3.0977% | 221 |
| Noninterest expense to average assets | 9.1931% | 109 |
| Loan and lease loss provision to assets | 0.6603% | 3,171 |
| Net operating income to assets | -1.6852% | 6,953 |
| Return on assets (ROA) | -1.4810% | 6,858 |
| Pretax return on assets | -2.4304% | 7,123 |
| Return on Equity (ROE) | -14.7866% | 6,922 |
| Retained earnings to average equity (ytd only) | -14.7866% | 6,874 |
| Net charge-offs to loans | 0.9415% | 2,511 |
| Credit loss provision to net charge-offs | 100.1244% | 5,508 |
| Earnings coverage of net charge-offs (x) | -3.1679% | 7,064 |
| Efficiency ratio | 128.3644% | 494 |
| Assets per employee ($millions) | 1.5713% | 7,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 4,304 |
| Loan loss allowance to noncurrent loans | 78.7684% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.9656% | 3,440 |
| Noncurrent loans to loans | 1.7604% | 3,996 |
| Net loans and leases to total assets | 74.6032% | 2,115 |
| Net loans and leases to deposits | 88.1616% | 2,531 |
| Net loans and leases to core deposits | 115.8180% | 2,338 |
| Total domestic deposits to total assets | 84.6210% | 3,748 |
| Equity capital to assets | 9.3109% | 4,685 |
| Core capital (leverage) ratio | 8.2695% | 5,679 |
| Tier 1 risk-based capital ratio | 10.2238% | 6,657 |
| Total risk-based capital ratio | 11.4350% | 6,672 |
| Memoranda: | ||
| Average total assets | $243,825,400 | 2,675 |
| Average earning assets | $186,439,600 | 3,135 |
| Average equity | $24,420,800 | 2,670 |
| Average total loans | $170,784,400 | 2,609 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8043% | 100 |
| Cost of funding earning assets | 2.8195% | 573 |
| Net interest margin | 4.9848% | 459 |
| Noninterest income to average assets | 3.3152% | 198 |
| Noninterest expense to average assets | 7.1649% | 200 |
| Loan and lease loss provision to assets | 0.6578% | 2,773 |
| Net operating income to assets | -0.2935% | 6,189 |
| Return on assets (ROA) | -0.0617% | 5,873 |
| Pretax return on assets | -0.3422% | 6,140 |
| Return on Equity (ROE) | -0.6062% | 5,869 |
| Retained earnings to average equity (ytd only) | -0.6062% | 5,378 |
| Net charge-offs to loans | 0.7005% | 2,598 |
| Credit loss provision to net charge-offs | 136.6704% | 3,625 |
| Earnings coverage of net charge-offs (x) | -0.0967% | 6,175 |
| Efficiency ratio | 99.5969% | 1,078 |
| Assets per employee ($millions) | 1.6034% | 7,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 3,126 |
| Loan loss allowance to noncurrent loans | 55.9919% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.2486% | 3,041 |
| Noncurrent loans to loans | 2.8010% | 2,709 |
| Net loans and leases to total assets | 72.0663% | 3,023 |
| Net loans and leases to deposits | 90.2745% | 2,523 |
| Net loans and leases to core deposits | 116.7021% | 2,553 |
| Total domestic deposits to total assets | 79.8302% | 5,510 |
| Equity capital to assets | 10.4928% | 3,525 |
| Core capital (leverage) ratio | 10.1412% | 3,128 |
| Tier 1 risk-based capital ratio | 13.5291% | 3,828 |
| Total risk-based capital ratio | 14.7829% | 3,761 |
| Memoranda: | ||
| Average total assets | $246,250,750 | 2,660 |
| Average earning assets | $187,874,250 | 3,138 |
| Average equity | $25,076,250 | 2,630 |
| Average total loans | $169,200,500 | 2,661 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7449% | 119 |
| Cost of funding earning assets | 3.0931% | 356 |
| Net interest margin | 4.6518% | 870 |
| Noninterest income to average assets | 2.7331% | 237 |
| Noninterest expense to average assets | 6.9256% | 226 |
| Loan and lease loss provision to assets | 0.5411% | 2,864 |
| Net operating income to assets | -0.7576% | 6,799 |
| Return on assets (ROA) | -0.4604% | 6,514 |
| Pretax return on assets | -0.7333% | 6,628 |
| Return on Equity (ROE) | -4.5660% | 6,560 |
| Retained earnings to average equity (ytd only) | -4.5660% | 6,232 |
| Net charge-offs to loans | 0.7579% | 2,163 |
| Credit loss provision to net charge-offs | 106.1807% | 4,338 |
| Earnings coverage of net charge-offs (x) | -1.2884% | 6,287 |
| Efficiency ratio | 109.2888% | 868 |
| Assets per employee ($millions) | 1.5874% | 8,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 3,496 |
| Loan loss allowance to noncurrent loans | 73.5181% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.7156% | 3,611 |
| Noncurrent loans to loans | 1.9655% | 3,568 |
| Net loans and leases to total assets | 69.5527% | 3,804 |
| Net loans and leases to deposits | 85.4628% | 3,653 |
| Net loans and leases to core deposits | 103.5241% | 4,118 |
| Total domestic deposits to total assets | 81.3836% | 4,930 |
| Equity capital to assets | 10.1451% | 3,775 |
| Core capital (leverage) ratio | 9.3034% | 4,159 |
| Tier 1 risk-based capital ratio | 12.5206% | 4,507 |
| Total risk-based capital ratio | 13.7705% | 4,425 |
| Memoranda: | ||
| Average total assets | $247,631,330 | 2,656 |
| Average earning assets | $188,226,670 | 3,161 |
| Average equity | $24,967,000 | 2,643 |
| Average total loans | $166,514,330 | 2,722 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6929% | 133 |
| Cost of funding earning assets | 3.4349% | 175 |
| Net interest margin | 4.2579% | 1,714 |
| Noninterest income to average assets | 2.5681% | 244 |
| Noninterest expense to average assets | 6.3945% | 253 |
| Loan and lease loss provision to assets | 0.1926% | 4,509 |
| Net operating income to assets | -0.4781% | 6,854 |
| Return on assets (ROA) | -0.3066% | 6,765 |
| Pretax return on assets | -0.5040% | 6,821 |
| Return on Equity (ROE) | -3.0499% | 6,788 |
| Retained earnings to average equity (ytd only) | -3.0499% | 6,292 |
| Net charge-offs to loans | 0.5602% | 2,068 |
| Credit loss provision to net charge-offs | 52.4017% | 4,636 |
| Earnings coverage of net charge-offs (x) | -1.5764% | 5,434 |
| Efficiency ratio | 108.7221% | 844 |
| Assets per employee ($millions) | 1.5601% | 8,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 3,335 |
| Loan loss allowance to noncurrent loans | 60.8933% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.8224% | 3,182 |
| Noncurrent loans to loans | 2.3505% | 2,803 |
| Net loans and leases to total assets | 64.6978% | 4,860 |
| Net loans and leases to deposits | 79.5996% | 4,675 |
| Net loans and leases to core deposits | 97.5824% | 4,790 |
| Total domestic deposits to total assets | 81.2790% | 4,844 |
| Equity capital to assets | 10.0279% | 3,973 |
| Core capital (leverage) ratio | 9.1521% | 4,477 |
| Tier 1 risk-based capital ratio | 12.8473% | 4,294 |
| Total risk-based capital ratio | 14.0981% | 4,212 |
| Memoranda: | ||
| Average total assets | $249,216,000 | 2,655 |
| Average earning assets | $190,046,500 | 3,153 |
| Average equity | $25,050,000 | 2,646 |
| Average total loans | $163,510,000 | 2,790 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0430% | 182 |
| Cost of funding earning assets | 3.5123% | 496 |
| Net interest margin | 4.5307% | 1,349 |
| Noninterest income to average assets | 3.0966% | 195 |
| Noninterest expense to average assets | 10.5316% | 129 |
| Loan and lease loss provision to assets | 0.3998% | 3,288 |
| Net operating income to assets | -3.0646% | 7,838 |
| Return on assets (ROA) | -2.9901% | 7,796 |
| Pretax return on assets | -4.2129% | 7,929 |
| Return on Equity (ROE) | -26.8440% | 7,901 |
| Retained earnings to average equity (ytd only) | -26.8440% | 7,849 |
| Net charge-offs to loans | 0.6550% | 1,894 |
| Credit loss provision to net charge-offs | 92.0693% | 5,630 |
| Earnings coverage of net charge-offs (x) | -9.0228% | 6,888 |
| Efficiency ratio | 157.7807% | 319 |
| Assets per employee ($millions) | 1.7042% | 8,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 2,667 |
| Loan loss allowance to noncurrent loans | 75.6240% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 3,127 |
| Noncurrent loans to loans | 1.9886% | 2,778 |
| Net loans and leases to total assets | 64.5960% | 5,153 |
| Net loans and leases to deposits | 83.1572% | 4,553 |
| Net loans and leases to core deposits | 102.2358% | 4,584 |
| Total domestic deposits to total assets | 77.6794% | 5,811 |
| Equity capital to assets | 10.0752% | 3,947 |
| Core capital (leverage) ratio | 9.3031% | 4,292 |
| Tier 1 risk-based capital ratio | 13.1086% | 4,053 |
| Total risk-based capital ratio | 14.3610% | 3,962 |
| Memoranda: | ||
| Average total assets | $252,629,600 | 2,537 |
| Average earning assets | $196,108,200 | 2,939 |
| Average equity | $28,140,400 | 2,399 |
| Average total loans | $167,493,400 | 2,655 |