Home > Edgewater Bank > Performance and Condition Ratios
Edgewater Bank, Performance and Condition Ratios
| 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 | 4.0113% | 1,587 |
| Cost of funding earning assets | 0.5655% | 1,025 |
| Net interest margin | 3.4458% | 1,975 |
| Noninterest income to average assets | 1.2317% | 820 |
| Noninterest expense to average assets | 3.2383% | 671 |
| Loan and lease loss provision to assets | 0.1845% | 665 |
| Net operating income to assets | 0.8926% | 3,144 |
| Return on assets (ROA) | 0.8926% | 3,227 |
| Pretax return on assets | 1.1386% | 3,017 |
| Return on Equity (ROE) | 9.9345% | 2,708 |
| Retained earnings to average equity (ytd only) | 9.9345% | 1,663 |
| Net charge-offs to loans | -0.0074% | 3,544 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9938% | 1,603 |
| Assets per employee ($millions) | 5.5618% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 2,396 |
| Loan loss allowance to noncurrent loans | 108.5027% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 1,116 |
| Noncurrent loans to loans | 1.2078% | 1,088 |
| Net loans and leases to total assets | 65.4114% | 1,882 |
| Net loans and leases to deposits | 73.8952% | 2,130 |
| Net loans and leases to core deposits | 75.2849% | 2,407 |
| Total domestic deposits to total assets | 88.5191% | 1,596 |
| Equity capital to assets | 8.8597% | 3,824 |
| Core capital (leverage) ratio | 8.7151% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3753% | 1,449 |
| Memoranda: | ||
| Average total assets | $227,652,500 | 2,882 |
| Average earning assets | $219,976,000 | 2,821 |
| Average equity | $20,454,000 | 3,205 |
| Average total loans | $161,771,500 | 2,579 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3550% | 1,704 |
| Cost of funding earning assets | 0.7193% | 1,624 |
| Net interest margin | 3.6357% | 2,022 |
| Noninterest income to average assets | 1.0092% | 1,030 |
| Noninterest expense to average assets | 3.2219% | 1,018 |
| Loan and lease loss provision to assets | 0.1374% | 2,643 |
| Net operating income to assets | 0.8976% | 2,711 |
| Return on assets (ROA) | 0.9035% | 2,817 |
| Pretax return on assets | 1.1601% | 2,476 |
| Return on Equity (ROE) | 10.1236% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.1236% | 561 |
| Net charge-offs to loans | -0.0071% | 4,199 |
| Credit loss provision to net charge-offs | -2,458.3333% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4079% | 1,760 |
| Assets per employee ($millions) | 5.1560% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 3,264 |
| Loan loss allowance to noncurrent loans | 145.2003% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 1,768 |
| Noncurrent loans to loans | 0.7842% | 1,766 |
| Net loans and leases to total assets | 75.2314% | 877 |
| Net loans and leases to deposits | 85.3419% | 1,310 |
| Net loans and leases to core deposits | 87.2787% | 1,764 |
| Total domestic deposits to total assets | 88.1529% | 1,406 |
| Equity capital to assets | 9.1165% | 3,957 |
| Core capital (leverage) ratio | 8.3675% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7457% | 2,336 |
| Memoranda: | ||
| Average total assets | $214,717,000 | 2,830 |
| Average earning assets | $206,865,400 | 2,770 |
| Average equity | $19,163,200 | 3,262 |
| Average total loans | $167,871,600 | 2,502 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,265 |
| Cost of funding earning assets | 0.7417% | 1,788 |
| Net interest margin | 3.5039% | 2,580 |
| Noninterest income to average assets | 0.8683% | 1,312 |
| Noninterest expense to average assets | 3.0195% | 1,405 |
| Loan and lease loss provision to assets | 0.1188% | 2,838 |
| Net operating income to assets | 0.8629% | 2,849 |
| Return on assets (ROA) | 0.8708% | 2,946 |
| Pretax return on assets | 1.1144% | 2,697 |
| Return on Equity (ROE) | 9.8123% | 2,083 |
| Retained earnings to average equity (ytd only) | 9.8123% | 803 |
| Net charge-offs to loans | -0.0072% | 4,146 |
| Credit loss provision to net charge-offs | -2,111.1111% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1672% | 1,731 |
| Assets per employee ($millions) | 5.8017% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 3,796 |
| Loan loss allowance to noncurrent loans | 83.4330% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 1,328 |
| Noncurrent loans to loans | 1.1701% | 1,296 |
| Net loans and leases to total assets | 73.7125% | 1,412 |
| Net loans and leases to deposits | 93.5990% | 955 |
| Net loans and leases to core deposits | 96.3022% | 1,432 |
| Total domestic deposits to total assets | 78.7535% | 4,091 |
| Equity capital to assets | 7.8903% | 4,748 |
| Core capital (leverage) ratio | 8.7316% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6646% | 2,340 |
| Memoranda: | ||
| Average total assets | $212,969,250 | 2,827 |
| Average earning assets | $205,097,750 | 2,769 |
| Average equity | $18,901,000 | 3,291 |
| Average total loans | $167,660,750 | 2,511 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,897 |
| Cost of funding earning assets | 0.8301% | 1,679 |
| Net interest margin | 3.6748% | 2,258 |
| Noninterest income to average assets | 0.7719% | 1,514 |
| Noninterest expense to average assets | 3.2151% | 1,135 |
| Loan and lease loss provision to assets | 0.0847% | 3,224 |
| Net operating income to assets | 0.7839% | 3,093 |
| Return on assets (ROA) | 0.7839% | 3,210 |
| Pretax return on assets | 1.0040% | 3,016 |
| Return on Equity (ROE) | 8.4442% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.4442% | 1,179 |
| Net charge-offs to loans | -0.0087% | 4,163 |
| Credit loss provision to net charge-offs | -1,214.2857% | 3,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7049% | 1,399 |
| Assets per employee ($millions) | 5.3148% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,533 |
| Loan loss allowance to noncurrent loans | 74.5629% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0011% | 1,202 |
| Noncurrent loans to loans | 1.3507% | 1,139 |
| Net loans and leases to total assets | 73.3755% | 1,497 |
| Net loans and leases to deposits | 95.0171% | 875 |
| Net loans and leases to core deposits | 100.3597% | 1,235 |
| Total domestic deposits to total assets | 77.2235% | 4,293 |
| Equity capital to assets | 8.3618% | 4,558 |
| Core capital (leverage) ratio | 8.5516% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8238% | 1,885 |
| Memoranda: | ||
| Average total assets | $200,801,667 | 2,895 |
| Average earning assets | $192,992,000 | 2,848 |
| Average equity | $18,640,000 | 3,310 |
| Average total loans | $161,646,000 | 2,553 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 1,859 |
| Cost of funding earning assets | 0.9468% | 1,655 |
| Net interest margin | 3.7022% | 2,312 |
| Noninterest income to average assets | 0.5392% | 2,341 |
| Noninterest expense to average assets | 3.1369% | 1,551 |
| Loan and lease loss provision to assets | 0.0642% | 2,961 |
| Net operating income to assets | 0.6890% | 3,309 |
| Return on assets (ROA) | 0.6890% | 3,379 |
| Pretax return on assets | 0.8859% | 3,172 |
| Return on Equity (ROE) | 6.9981% | 2,949 |
| Retained earnings to average equity (ytd only) | 6.9981% | 1,535 |
| Net charge-offs to loans | -0.0101% | 4,085 |
| Credit loss provision to net charge-offs | -750.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7539% | 1,478 |
| Assets per employee ($millions) | 4.3700% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,413 |
| Loan loss allowance to noncurrent loans | 59.7968% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.4667% | 744 |
| Noncurrent loans to loans | 1.7693% | 849 |
| Net loans and leases to total assets | 82.0184% | 434 |
| Net loans and leases to deposits | 100.0916% | 555 |
| Net loans and leases to core deposits | 108.1658% | 941 |
| Total domestic deposits to total assets | 81.9434% | 3,439 |
| Equity capital to assets | 9.8973% | 3,885 |
| Core capital (leverage) ratio | 9.0525% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3485% | 2,551 |
| Memoranda: | ||
| Average total assets | $186,933,500 | 2,985 |
| Average earning assets | $179,136,000 | 2,930 |
| Average equity | $18,405,000 | 3,332 |
| Average total loans | $157,770,500 | 2,566 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 2,699 |
| Cost of funding earning assets | 0.8381% | 2,499 |
| Net interest margin | 3.7351% | 2,711 |
| Noninterest income to average assets | 0.4894% | 2,801 |
| Noninterest expense to average assets | 3.2482% | 1,414 |
| Loan and lease loss provision to assets | 0.1489% | 1,435 |
| Net operating income to assets | 0.8190% | 3,493 |
| Return on assets (ROA) | 0.8190% | 3,585 |
| Pretax return on assets | 0.6639% | 4,295 |
| Return on Equity (ROE) | 8.1853% | 3,085 |
| Retained earnings to average equity (ytd only) | 8.1853% | 916 |
| Net charge-offs to loans | 0.0359% | 2,670 |
| Credit loss provision to net charge-offs | 524.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 28.6000% | 1,626 |
| Efficiency ratio | 79.9860% | 946 |
| Assets per employee ($millions) | 4.4313% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,437 |
| Loan loss allowance to noncurrent loans | 91.1864% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9510% | 1,333 |
| Noncurrent loans to loans | 1.1078% | 1,361 |
| Net loans and leases to total assets | 84.9801% | 244 |
| Net loans and leases to deposits | 103.5614% | 396 |
| Net loans and leases to core deposits | 111.9757% | 760 |
| Total domestic deposits to total assets | 82.0577% | 3,498 |
| Equity capital to assets | 9.8134% | 4,093 |
| Core capital (leverage) ratio | 8.8427% | 4,644 |
| Tier 1 risk-based capital ratio | 11.2395% | 4,760 |
| Total risk-based capital ratio | 12.3547% | 4,708 |
| Memoranda: | ||
| Average total assets | $175,943,200 | 3,056 |
| Average earning assets | $168,242,600 | 3,011 |
| Average equity | $17,604,800 | 3,379 |
| Average total loans | $139,461,000 | 2,728 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 3,034 |
| Cost of funding earning assets | 0.7948% | 2,746 |
| Net interest margin | 3.7127% | 2,873 |
| Noninterest income to average assets | 0.4867% | 2,818 |
| Noninterest expense to average assets | 3.0649% | 1,790 |
| Loan and lease loss provision to assets | 0.0692% | 2,493 |
| Net operating income to assets | 1.1118% | 2,532 |
| Return on assets (ROA) | 1.1118% | 2,614 |
| Pretax return on assets | 0.9012% | 3,872 |
| Return on Equity (ROE) | 11.0548% | 1,999 |
| Retained earnings to average equity (ytd only) | 11.0548% | 515 |
| Net charge-offs to loans | 0.0089% | 3,045 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 140.2183% | 568 |
| Efficiency ratio | 75.9527% | 1,339 |
| Assets per employee ($millions) | 4.3053% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 3,624 |
| Loan loss allowance to noncurrent loans | 127.0780% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 2,110 |
| Noncurrent loans to loans | 0.7792% | 2,018 |
| Net loans and leases to total assets | 80.1004% | 831 |
| Net loans and leases to deposits | 94.7800% | 1,150 |
| Net loans and leases to core deposits | 101.7881% | 1,523 |
| Total domestic deposits to total assets | 84.5119% | 2,622 |
| Equity capital to assets | 9.8666% | 4,143 |
| Core capital (leverage) ratio | 9.5858% | 4,078 |
| Tier 1 risk-based capital ratio | 12.0568% | 4,394 |
| Total risk-based capital ratio | 13.1557% | 4,349 |
| Memoranda: | ||
| Average total assets | $173,400,750 | 3,108 |
| Average earning assets | $165,732,250 | 3,059 |
| Average equity | $17,440,000 | 3,420 |
| Average total loans | $134,383,000 | 2,809 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 2,899 |
| Cost of funding earning assets | 0.8162% | 2,567 |
| Net interest margin | 3.7191% | 2,873 |
| Noninterest income to average assets | 0.4413% | 3,008 |
| Noninterest expense to average assets | 3.1058% | 1,716 |
| Loan and lease loss provision to assets | 0.0531% | 2,755 |
| Net operating income to assets | 1.2779% | 1,861 |
| Return on assets (ROA) | 1.2779% | 1,918 |
| Pretax return on assets | 0.8366% | 4,004 |
| Return on Equity (ROE) | 12.6189% | 1,365 |
| Retained earnings to average equity (ytd only) | 12.6189% | 339 |
| Net charge-offs to loans | 0.0170% | 2,545 |
| Credit loss provision to net charge-offs | 409.0909% | 701 |
| Earnings coverage of net charge-offs (x) | 68.5455% | 906 |
| Efficiency ratio | 77.7318% | 1,190 |
| Assets per employee ($millions) | 4.2299% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 3,091 |
| Loan loss allowance to noncurrent loans | 127.7580% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 1,951 |
| Noncurrent loans to loans | 0.8587% | 1,889 |
| Net loans and leases to total assets | 76.5172% | 1,467 |
| Net loans and leases to deposits | 89.8656% | 1,757 |
| Net loans and leases to core deposits | 95.6838% | 2,102 |
| Total domestic deposits to total assets | 85.1462% | 2,415 |
| Equity capital to assets | 10.5753% | 3,452 |
| Core capital (leverage) ratio | 9.5121% | 4,130 |
| Tier 1 risk-based capital ratio | 13.9646% | 3,338 |
| Total risk-based capital ratio | 15.2153% | 3,247 |
| Memoranda: | ||
| Average total assets | $169,491,330 | 3,163 |
| Average earning assets | $161,975,000 | 3,113 |
| Average equity | $17,164,670 | 3,447 |
| Average total loans | $129,253,330 | 2,879 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 3,032 |
| Cost of funding earning assets | 0.8255% | 2,395 |
| Net interest margin | 3.6296% | 3,135 |
| Noninterest income to average assets | 0.3796% | 3,327 |
| Noninterest expense to average assets | 3.0795% | 1,779 |
| Loan and lease loss provision to assets | 0.0307% | 3,009 |
| Net operating income to assets | 0.5753% | 4,311 |
| Return on assets (ROA) | 0.5753% | 4,346 |
| Pretax return on assets | 0.7428% | 4,190 |
| Return on Equity (ROE) | 5.8094% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.8094% | 2,542 |
| Net charge-offs to loans | 0.0405% | 1,692 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 25.2308% | 1,433 |
| Efficiency ratio | 79.9266% | 1,073 |
| Assets per employee ($millions) | 4.3409% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,182 |
| Loan loss allowance to noncurrent loans | 209.5665% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 2,857 |
| Noncurrent loans to loans | 0.5206% | 2,753 |
| Net loans and leases to total assets | 75.0840% | 1,629 |
| Net loans and leases to deposits | 87.3505% | 1,953 |
| Net loans and leases to core deposits | 92.9740% | 2,214 |
| Total domestic deposits to total assets | 85.9572% | 2,300 |
| Equity capital to assets | 10.0291% | 3,800 |
| Core capital (leverage) ratio | 9.3235% | 4,343 |
| Tier 1 risk-based capital ratio | 13.8999% | 3,393 |
| Total risk-based capital ratio | 15.1492% | 3,312 |
| Memoranda: | ||
| Average total assets | $169,639,000 | 3,196 |
| Average earning assets | $162,330,500 | 3,144 |
| Average equity | $16,800,500 | 3,495 |
| Average total loans | $128,430,000 | 2,922 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 3,441 |
| Cost of funding earning assets | 0.5914% | 2,784 |
| Net interest margin | 3.6117% | 3,344 |
| Noninterest income to average assets | 0.5109% | 2,770 |
| Noninterest expense to average assets | 3.7991% | 687 |
| Loan and lease loss provision to assets | 0.0932% | 2,289 |
| Net operating income to assets | 0.9106% | 3,404 |
| Return on assets (ROA) | 0.9100% | 3,393 |
| Pretax return on assets | 0.0765% | 5,190 |
| Return on Equity (ROE) | 9.5604% | 2,718 |
| Retained earnings to average equity (ytd only) | 9.5604% | 723 |
| Net charge-offs to loans | 0.0194% | 3,049 |
| Credit loss provision to net charge-offs | 625.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 11.4167% | 2,628 |
| Efficiency ratio | 95.7094% | 215 |
| Assets per employee ($millions) | 4.5941% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 3,157 |
| Loan loss allowance to noncurrent loans | 177.2440% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 2,700 |
| Noncurrent loans to loans | 0.6163% | 2,437 |
| Net loans and leases to total assets | 74.6795% | 1,813 |
| Net loans and leases to deposits | 87.7470% | 2,074 |
| Net loans and leases to core deposits | 93.4028% | 2,277 |
| Total domestic deposits to total assets | 85.1077% | 2,603 |
| Equity capital to assets | 9.7787% | 3,878 |
| Core capital (leverage) ratio | 9.2261% | 4,428 |
| Tier 1 risk-based capital ratio | 13.6152% | 3,485 |
| Total risk-based capital ratio | 14.8566% | 3,398 |
| Memoranda: | ||
| Average total assets | $160,881,000 | 3,266 |
| Average earning assets | $154,054,200 | 3,190 |
| Average equity | $15,313,200 | 3,597 |
| Average total loans | $123,492,400 | 2,958 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1375% | 3,502 |
| Cost of funding earning assets | 0.5074% | 3,149 |
| Net interest margin | 3.6301% | 3,268 |
| Noninterest income to average assets | 0.5296% | 2,674 |
| Noninterest expense to average assets | 4.1376% | 436 |
| Loan and lease loss provision to assets | 0.0672% | 2,635 |
| Net operating income to assets | 0.9936% | 3,110 |
| Return on assets (ROA) | 0.9936% | 3,124 |
| Pretax return on assets | -0.1992% | 5,342 |
| Return on Equity (ROE) | 10.5162% | 2,386 |
| Retained earnings to average equity (ytd only) | 10.5162% | 760 |
| Net charge-offs to loans | 0.0262% | 2,588 |
| Credit loss provision to net charge-offs | 333.3333% | 939 |
| Earnings coverage of net charge-offs (x) | -6.5416% | 3,461 |
| Efficiency ratio | 103.2949% | 113 |
| Assets per employee ($millions) | 4.4447% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,380 |
| Loan loss allowance to noncurrent loans | 177.1277% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 2,905 |
| Noncurrent loans to loans | 0.6012% | 2,577 |
| Net loans and leases to total assets | 73.2724% | 2,117 |
| Net loans and leases to deposits | 86.1062% | 2,352 |
| Net loans and leases to core deposits | 91.7806% | 2,501 |
| Total domestic deposits to total assets | 85.0953% | 2,571 |
| Equity capital to assets | 9.6377% | 3,962 |
| Core capital (leverage) ratio | 9.7016% | 3,940 |
| Tier 1 risk-based capital ratio | 13.5444% | 3,602 |
| Total risk-based capital ratio | 14.7396% | 3,547 |
| Memoranda: | ||
| Average total assets | $158,606,000 | 3,326 |
| Average earning assets | $151,874,250 | 3,251 |
| Average equity | $14,986,000 | 3,667 |
| Average total loans | $122,279,750 | 2,995 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 3,309 |
| Cost of funding earning assets | 0.4819% | 3,149 |
| Net interest margin | 3.6601% | 3,077 |
| Noninterest income to average assets | 0.5284% | 2,701 |
| Noninterest expense to average assets | 4.7057% | 256 |
| Loan and lease loss provision to assets | 0.0644% | 2,612 |
| Net operating income to assets | 1.1832% | 2,266 |
| Return on assets (ROA) | 1.1832% | 2,268 |
| Pretax return on assets | -0.7372% | 5,452 |
| Return on Equity (ROE) | 12.6139% | 1,504 |
| Retained earnings to average equity (ytd only) | 12.6139% | 434 |
| Net charge-offs to loans | 0.0346% | 2,158 |
| Credit loss provision to net charge-offs | 238.0952% | 1,175 |
| Earnings coverage of net charge-offs (x) | -24.8571% | 3,194 |
| Efficiency ratio | 116.6826% | 72 |
| Assets per employee ($millions) | 4.2888% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 3,482 |
| Loan loss allowance to noncurrent loans | 166.4541% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 1,876 |
| Noncurrent loans to loans | 0.6367% | 2,521 |
| Net loans and leases to total assets | 78.9089% | 1,176 |
| Net loans and leases to deposits | 94.0919% | 1,347 |
| Net loans and leases to core deposits | 99.1544% | 1,803 |
| Total domestic deposits to total assets | 83.8637% | 3,117 |
| Equity capital to assets | 10.3869% | 3,223 |
| Core capital (leverage) ratio | 9.7731% | 3,813 |
| Tier 1 risk-based capital ratio | 14.0802% | 3,319 |
| Total risk-based capital ratio | 15.3192% | 3,244 |
| Memoranda: | ||
| Average total assets | $155,174,670 | 3,378 |
| Average earning assets | $148,575,000 | 3,309 |
| Average equity | $14,555,330 | 3,741 |
| Average total loans | $121,343,330 | 3,020 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 3,479 |
| Cost of funding earning assets | 0.4735% | 3,014 |
| Net interest margin | 3.5636% | 3,305 |
| Noninterest income to average assets | 0.4808% | 2,933 |
| Noninterest expense to average assets | 3.1138% | 1,787 |
| Loan and lease loss provision to assets | 0.0514% | 2,748 |
| Net operating income to assets | 0.7328% | 3,973 |
| Return on assets (ROA) | 0.7328% | 3,979 |
| Pretax return on assets | 0.7405% | 4,323 |
| Return on Equity (ROE) | 8.2522% | 3,272 |
| Retained earnings to average equity (ytd only) | 8.2522% | 1,748 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7235% | 1,173 |
| Assets per employee ($millions) | 3.9666% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,529 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 2,046 |
| Noncurrent loans to loans | 0.6365% | 2,634 |
| Net loans and leases to total assets | 77.1634% | 1,363 |
| Net loans and leases to deposits | 86.3381% | 2,117 |
| Net loans and leases to core deposits | 90.6413% | 2,401 |
| Total domestic deposits to total assets | 89.3736% | 931 |
| Equity capital to assets | 8.9884% | 4,571 |
| Core capital (leverage) ratio | 9.1819% | 4,459 |
| Tier 1 risk-based capital ratio | 13.6683% | 3,563 |
| Total risk-based capital ratio | 14.9188% | 3,468 |
| Memoranda: | ||
| Average total assets | $155,563,500 | 3,409 |
| Average earning assets | $149,512,000 | 3,334 |
| Average equity | $13,814,500 | 3,853 |
| Average total loans | $120,446,000 | 3,062 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7768% | 4,122 |
| Cost of funding earning assets | 0.4639% | 2,651 |
| Net interest margin | 3.3129% | 4,116 |
| Noninterest income to average assets | 0.5635% | 2,641 |
| Noninterest expense to average assets | 3.2315% | 1,546 |
| Loan and lease loss provision to assets | 0.0392% | 3,486 |
| Net operating income to assets | 0.4597% | 4,492 |
| Return on assets (ROA) | 0.4597% | 4,524 |
| Pretax return on assets | 0.4727% | 4,971 |
| Return on Equity (ROE) | 5.2729% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.2729% | 1,953 |
| Net charge-offs to loans | 0.0286% | 3,238 |
| Credit loss provision to net charge-offs | 171.4286% | 1,577 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,851 |
| Efficiency ratio | 86.3248% | 624 |
| Assets per employee ($millions) | 4.2272% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,540 |
| Loan loss allowance to noncurrent loans | 170.3605% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 1,960 |
| Noncurrent loans to loans | 0.6232% | 2,665 |
| Net loans and leases to total assets | 76.0270% | 1,589 |
| Net loans and leases to deposits | 86.0258% | 2,258 |
| Net loans and leases to core deposits | 90.0997% | 2,563 |
| Total domestic deposits to total assets | 88.3770% | 1,313 |
| Equity capital to assets | 8.7823% | 4,907 |
| Core capital (leverage) ratio | 9.0096% | 4,640 |
| Tier 1 risk-based capital ratio | 14.2014% | 3,252 |
| Total risk-based capital ratio | 15.4522% | 3,149 |
| Memoranda: | ||
| Average total assets | $153,147,000 | 3,428 |
| Average earning assets | $147,002,800 | 3,361 |
| Average equity | $13,351,400 | 3,936 |
| Average total loans | $122,432,200 | 3,019 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 4,286 |
| Cost of funding earning assets | 0.4588% | 2,628 |
| Net interest margin | 3.2543% | 4,312 |
| Noninterest income to average assets | 0.5724% | 2,618 |
| Noninterest expense to average assets | 3.2367% | 1,482 |
| Loan and lease loss provision to assets | 0.0350% | 3,417 |
| Net operating income to assets | 0.4087% | 4,980 |
| Return on assets (ROA) | 0.4087% | 5,013 |
| Pretax return on assets | 0.4236% | 5,150 |
| Return on Equity (ROE) | 4.6974% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.6974% | 3,079 |
| Net charge-offs to loans | 0.0271% | 2,897 |
| Credit loss provision to net charge-offs | 160.0000% | 1,602 |
| Earnings coverage of net charge-offs (x) | 20.9616% | 1,934 |
| Efficiency ratio | 87.5888% | 528 |
| Assets per employee ($millions) | 4.5045% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,974 |
| Loan loss allowance to noncurrent loans | 158.4481% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 2,097 |
| Noncurrent loans to loans | 0.6412% | 2,792 |
| Net loans and leases to total assets | 78.2387% | 1,235 |
| Net loans and leases to deposits | 91.6329% | 1,610 |
| Net loans and leases to core deposits | 95.8720% | 2,090 |
| Total domestic deposits to total assets | 85.3827% | 2,566 |
| Equity capital to assets | 8.5820% | 5,234 |
| Core capital (leverage) ratio | 9.1200% | 4,614 |
| Tier 1 risk-based capital ratio | 13.3999% | 3,768 |
| Total risk-based capital ratio | 14.6503% | 3,686 |
| Memoranda: | ||
| Average total assets | $152,332,500 | 3,469 |
| Average earning assets | $146,180,250 | 3,395 |
| Average equity | $13,255,250 | 3,991 |
| Average total loans | $122,993,750 | 3,042 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 4,330 |
| Cost of funding earning assets | 0.4640% | 2,461 |
| Net interest margin | 3.2009% | 4,418 |
| Noninterest income to average assets | 0.5446% | 2,747 |
| Noninterest expense to average assets | 3.2506% | 1,470 |
| Loan and lease loss provision to assets | 0.0266% | 3,470 |
| Net operating income to assets | 0.3215% | 5,169 |
| Return on assets (ROA) | 0.3215% | 5,189 |
| Pretax return on assets | 0.3374% | 5,290 |
| Return on Equity (ROE) | 3.6768% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.6768% | 3,511 |
| Net charge-offs to loans | 0.0310% | 2,584 |
| Credit loss provision to net charge-offs | 105.2632% | 1,949 |
| Earnings coverage of net charge-offs (x) | 14.4211% | 2,073 |
| Efficiency ratio | 89.9302% | 458 |
| Assets per employee ($millions) | 3.9739% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 4,058 |
| Loan loss allowance to noncurrent loans | 146.7761% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 1,996 |
| Noncurrent loans to loans | 0.6915% | 2,688 |
| Net loans and leases to total assets | 83.0443% | 546 |
| Net loans and leases to deposits | 98.2531% | 873 |
| Net loans and leases to core deposits | 103.1894% | 1,423 |
| Total domestic deposits to total assets | 84.5208% | 3,001 |
| Equity capital to assets | 9.0508% | 4,855 |
| Core capital (leverage) ratio | 8.9999% | 4,724 |
| Tier 1 risk-based capital ratio | 13.2473% | 3,842 |
| Total risk-based capital ratio | 14.4924% | 3,756 |
| Memoranda: | ||
| Average total assets | $150,558,000 | 3,514 |
| Average earning assets | $144,397,330 | 3,437 |
| Average equity | $13,163,670 | 4,014 |
| Average total loans | $122,453,670 | 3,058 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5372% | 4,584 |
| Cost of funding earning assets | 0.4709% | 2,344 |
| Net interest margin | 3.0663% | 4,746 |
| Noninterest income to average assets | 0.5567% | 2,627 |
| Noninterest expense to average assets | 3.1723% | 1,690 |
| Loan and lease loss provision to assets | 0.0263% | 3,232 |
| Net operating income to assets | 0.2836% | 5,233 |
| Return on assets (ROA) | 0.2836% | 5,249 |
| Pretax return on assets | 0.2994% | 5,310 |
| Return on Equity (ROE) | 3.2999% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.2999% | 3,785 |
| Net charge-offs to loans | 0.0623% | 1,708 |
| Credit loss provision to net charge-offs | 52.6316% | 1,963 |
| Earnings coverage of net charge-offs (x) | 6.5263% | 2,211 |
| Efficiency ratio | 90.6907% | 520 |
| Assets per employee ($millions) | 4.2341% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 4,054 |
| Loan loss allowance to noncurrent loans | 98.3373% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 1,821 |
| Noncurrent loans to loans | 1.0541% | 1,946 |
| Net loans and leases to total assets | 77.7918% | 1,163 |
| Net loans and leases to deposits | 91.2635% | 1,402 |
| Net loans and leases to core deposits | 95.4441% | 1,858 |
| Total domestic deposits to total assets | 85.2387% | 2,988 |
| Equity capital to assets | 8.6239% | 5,129 |
| Core capital (leverage) ratio | 8.6717% | 5,076 |
| Tier 1 risk-based capital ratio | 13.4130% | 3,829 |
| Total risk-based capital ratio | 14.6631% | 3,746 |
| Memoranda: | ||
| Average total assets | $152,319,000 | 3,524 |
| Average earning assets | $146,106,000 | 3,447 |
| Average equity | $13,091,500 | 4,045 |
| Average total loans | $122,002,000 | 3,085 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 3,918 |
| Cost of funding earning assets | 0.4687% | 2,369 |
| Net interest margin | 3.3303% | 4,053 |
| Noninterest income to average assets | 0.6072% | 2,622 |
| Noninterest expense to average assets | 3.3342% | 1,501 |
| Loan and lease loss provision to assets | 0.1269% | 1,957 |
| Net operating income to assets | 0.3119% | 5,195 |
| Return on assets (ROA) | 0.3119% | 5,258 |
| Pretax return on assets | 0.3279% | 5,329 |
| Return on Equity (ROE) | 3.5066% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.5066% | 3,435 |
| Net charge-offs to loans | 0.0060% | 4,049 |
| Credit loss provision to net charge-offs | 2,614.2857% | 156 |
| Earnings coverage of net charge-offs (x) | 93.7143% | 634 |
| Efficiency ratio | 87.9985% | 680 |
| Assets per employee ($millions) | 4.3489% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 4,275 |
| Loan loss allowance to noncurrent loans | 123.9841% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 2,239 |
| Noncurrent loans to loans | 0.8125% | 2,489 |
| Net loans and leases to total assets | 80.7663% | 771 |
| Net loans and leases to deposits | 96.1895% | 979 |
| Net loans and leases to core deposits | 100.7499% | 1,557 |
| Total domestic deposits to total assets | 83.9658% | 3,431 |
| Equity capital to assets | 8.5657% | 5,216 |
| Core capital (leverage) ratio | 8.4905% | 5,270 |
| Tier 1 risk-based capital ratio | 12.7423% | 4,246 |
| Total risk-based capital ratio | 13.9620% | 4,153 |
| Memoranda: | ||
| Average total assets | $144,262,800 | 3,602 |
| Average earning assets | $137,827,200 | 3,520 |
| Average equity | $12,833,000 | 4,117 |
| Average total loans | $116,929,800 | 3,112 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 3,880 |
| Cost of funding earning assets | 0.4546% | 2,514 |
| Net interest margin | 3.3606% | 3,993 |
| Noninterest income to average assets | 0.6429% | 2,465 |
| Noninterest expense to average assets | 3.4046% | 1,330 |
| Loan and lease loss provision to assets | 0.1340% | 1,752 |
| Net operating income to assets | 0.3074% | 5,271 |
| Return on assets (ROA) | 0.3074% | 5,356 |
| Pretax return on assets | 0.3121% | 5,445 |
| Return on Equity (ROE) | 3.4214% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.4214% | 3,850 |
| Net charge-offs to loans | -0.0035% | 4,552 |
| Credit loss provision to net charge-offs | -4,766.6667% | 5,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4157% | 652 |
| Assets per employee ($millions) | 4.4023% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 4,417 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 2,662 |
| Noncurrent loans to loans | 0.7267% | 2,857 |
| Net loans and leases to total assets | 78.5165% | 1,116 |
| Net loans and leases to deposits | 96.5160% | 998 |
| Net loans and leases to core deposits | 100.7394% | 1,565 |
| Total domestic deposits to total assets | 81.3507% | 4,152 |
| Equity capital to assets | 8.4436% | 5,561 |
| Core capital (leverage) ratio | 8.9800% | 4,849 |
| Tier 1 risk-based capital ratio | 12.7869% | 4,284 |
| Total risk-based capital ratio | 13.9918% | 4,226 |
| Memoranda: | ||
| Average total assets | $142,275,500 | 3,645 |
| Average earning assets | $135,805,250 | 3,573 |
| Average equity | $12,781,750 | 4,160 |
| Average total loans | $115,115,500 | 3,150 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 3,741 |
| Cost of funding earning assets | 0.4583% | 2,492 |
| Net interest margin | 3.4010% | 3,886 |
| Noninterest income to average assets | 0.5450% | 2,929 |
| Noninterest expense to average assets | 3.4899% | 1,178 |
| Loan and lease loss provision to assets | 0.0911% | 2,325 |
| Net operating income to assets | 0.1995% | 5,523 |
| Return on assets (ROA) | 0.1995% | 5,582 |
| Pretax return on assets | 0.2038% | 5,615 |
| Return on Equity (ROE) | 2.1723% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.1723% | 4,484 |
| Net charge-offs to loans | -0.0035% | 4,460 |
| Credit loss provision to net charge-offs | -3,150.0000% | 5,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2078% | 486 |
| Assets per employee ($millions) | 3.7833% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 4,787 |
| Loan loss allowance to noncurrent loans | 176.7442% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 3,204 |
| Noncurrent loans to loans | 0.5343% | 3,474 |
| Net loans and leases to total assets | 83.1783% | 494 |
| Net loans and leases to deposits | 101.7892% | 576 |
| Net loans and leases to core deposits | 106.8106% | 1,117 |
| Total domestic deposits to total assets | 81.7162% | 4,084 |
| Equity capital to assets | 8.9228% | 5,299 |
| Core capital (leverage) ratio | 9.2451% | 4,527 |
| Tier 1 risk-based capital ratio | 12.7164% | 4,378 |
| Total risk-based capital ratio | 13.8518% | 4,357 |
| Memoranda: | ||
| Average total assets | $138,340,330 | 3,745 |
| Average earning assets | $131,783,330 | 3,662 |
| Average equity | $12,705,670 | 4,200 |
| Average total loans | $112,754,000 | 3,192 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 3,849 |
| Cost of funding earning assets | 0.4622% | 2,446 |
| Net interest margin | 3.3655% | 3,990 |
| Noninterest income to average assets | 0.4660% | 3,364 |
| Noninterest expense to average assets | 3.6011% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0590% | 5,731 |
| Return on assets (ROA) | 0.0590% | 5,770 |
| Pretax return on assets | 0.0649% | 5,770 |
| Return on Equity (ROE) | 0.6327% | 5,758 |
| Retained earnings to average equity (ytd only) | 0.6327% | 4,962 |
| Net charge-offs to loans | 0.0037% | 2,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,419 |
| Efficiency ratio | 98.2301% | 336 |
| Assets per employee ($millions) | 3.4846% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 4,709 |
| Loan loss allowance to noncurrent loans | 167.8125% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6380% | 3,146 |
| Noncurrent loans to loans | 0.5844% | 3,438 |
| Net loans and leases to total assets | 79.7890% | 847 |
| Net loans and leases to deposits | 92.8040% | 1,251 |
| Net loans and leases to core deposits | 96.5574% | 1,742 |
| Total domestic deposits to total assets | 85.9758% | 2,682 |
| Equity capital to assets | 9.3259% | 4,863 |
| Core capital (leverage) ratio | 9.4776% | 4,236 |
| Tier 1 risk-based capital ratio | 13.9115% | 3,747 |
| Total risk-based capital ratio | 15.0926% | 3,728 |
| Memoranda: | ||
| Average total assets | $135,627,000 | 3,810 |
| Average earning assets | $128,954,000 | 3,733 |
| Average equity | $12,644,500 | 4,218 |
| Average total loans | $108,769,500 | 3,260 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 3,538 |
| Cost of funding earning assets | 0.4350% | 2,788 |
| Net interest margin | 3.5127% | 3,478 |
| Noninterest income to average assets | 0.6889% | 2,254 |
| Noninterest expense to average assets | 3.6771% | 1,006 |
| Loan and lease loss provision to assets | 0.0502% | 3,318 |
| Net operating income to assets | 0.2796% | 5,412 |
| Return on assets (ROA) | 0.2796% | 5,491 |
| Pretax return on assets | 0.2858% | 5,546 |
| Return on Equity (ROE) | 2.9046% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.9046% | 3,990 |
| Net charge-offs to loans | 0.0631% | 2,969 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 6.6923% | 3,183 |
| Efficiency ratio | 91.6282% | 590 |
| Assets per employee ($millions) | 3.7597% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 4,648 |
| Loan loss allowance to noncurrent loans | 81.4394% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1688% | 1,862 |
| Noncurrent loans to loans | 1.2219% | 1,929 |
| Net loans and leases to total assets | 79.0216% | 986 |
| Net loans and leases to deposits | 93.5666% | 1,241 |
| Net loans and leases to core deposits | 96.7087% | 1,775 |
| Total domestic deposits to total assets | 84.4550% | 3,308 |
| Equity capital to assets | 9.3181% | 4,767 |
| Core capital (leverage) ratio | 9.4155% | 4,296 |
| Tier 1 risk-based capital ratio | 14.1612% | 3,630 |
| Total risk-based capital ratio | 15.3669% | 3,567 |
| Memoranda: | ||
| Average total assets | $129,478,200 | 3,895 |
| Average earning assets | $122,527,400 | 3,831 |
| Average equity | $12,463,200 | 4,224 |
| Average total loans | $103,089,200 | 3,331 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,446 |
| Cost of funding earning assets | 0.4298% | 2,908 |
| Net interest margin | 3.5442% | 3,366 |
| Noninterest income to average assets | 0.6791% | 2,331 |
| Noninterest expense to average assets | 3.6892% | 994 |
| Loan and lease loss provision to assets | 0.0469% | 3,269 |
| Net operating income to assets | 0.2927% | 5,473 |
| Return on assets (ROA) | 0.2927% | 5,553 |
| Pretax return on assets | 0.2927% | 5,650 |
| Return on Equity (ROE) | 3.0151% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.0151% | 4,296 |
| Net charge-offs to loans | 0.0864% | 2,310 |
| Credit loss provision to net charge-offs | 68.1818% | 2,797 |
| Earnings coverage of net charge-offs (x) | 4.9393% | 3,275 |
| Efficiency ratio | 91.5719% | 592 |
| Assets per employee ($millions) | 3.7665% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,969 |
| Loan loss allowance to noncurrent loans | 64.5043% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.4383% | 1,584 |
| Noncurrent loans to loans | 1.4771% | 1,695 |
| Net loans and leases to total assets | 83.1149% | 460 |
| Net loans and leases to deposits | 104.5177% | 429 |
| Net loans and leases to core deposits | 108.3256% | 966 |
| Total domestic deposits to total assets | 79.5222% | 4,855 |
| Equity capital to assets | 9.5444% | 4,702 |
| Core capital (leverage) ratio | 9.4703% | 4,341 |
| Tier 1 risk-based capital ratio | 13.8565% | 3,930 |
| Total risk-based capital ratio | 15.0173% | 3,923 |
| Memoranda: | ||
| Average total assets | $128,010,500 | 3,971 |
| Average earning assets | $120,982,750 | 3,902 |
| Average equity | $12,426,000 | 4,282 |
| Average total loans | $101,854,000 | 3,389 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,381 |
| Cost of funding earning assets | 0.4249% | 2,988 |
| Net interest margin | 3.5528% | 3,276 |
| Noninterest income to average assets | 0.6786% | 2,305 |
| Noninterest expense to average assets | 3.7132% | 972 |
| Loan and lease loss provision to assets | 0.0237% | 3,663 |
| Net operating income to assets | 0.2935% | 5,453 |
| Return on assets (ROA) | 0.2935% | 5,553 |
| Pretax return on assets | 0.2935% | 5,673 |
| Return on Equity (ROE) | 3.0063% | 5,397 |
| Retained earnings to average equity (ytd only) | 3.0063% | 4,125 |
| Net charge-offs to loans | 0.1334% | 1,701 |
| Credit loss provision to net charge-offs | 22.7273% | 2,989 |
| Earnings coverage of net charge-offs (x) | 3.0455% | 3,252 |
| Efficiency ratio | 92.1300% | 631 |
| Assets per employee ($millions) | 3.8262% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 5,158 |
| Loan loss allowance to noncurrent loans | 61.9855% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.6488% | 1,456 |
| Noncurrent loans to loans | 1.5115% | 1,760 |
| Net loans and leases to total assets | 80.8517% | 692 |
| Net loans and leases to deposits | 104.7127% | 421 |
| Net loans and leases to core deposits | 108.5812% | 918 |
| Total domestic deposits to total assets | 77.2129% | 5,424 |
| Equity capital to assets | 9.3117% | 4,884 |
| Core capital (leverage) ratio | 9.6991% | 4,001 |
| Tier 1 risk-based capital ratio | 13.9891% | 3,933 |
| Total risk-based capital ratio | 15.1378% | 3,923 |
| Memoranda: | ||
| Average total assets | $126,738,670 | 4,027 |
| Average earning assets | $119,566,670 | 3,957 |
| Average equity | $12,374,000 | 4,309 |
| Average total loans | $98,931,670 | 3,455 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 2,822 |
| Cost of funding earning assets | 0.4316% | 2,962 |
| Net interest margin | 3.6702% | 2,733 |
| Noninterest income to average assets | 0.6821% | 2,247 |
| Noninterest expense to average assets | 3.7970% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3378% | 5,289 |
| Return on assets (ROA) | 0.3378% | 5,401 |
| Pretax return on assets | 0.3378% | 5,562 |
| Return on Equity (ROE) | 3.3750% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.3750% | 3,955 |
| Net charge-offs to loans | 0.0171% | 2,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,251 |
| Efficiency ratio | 91.8303% | 728 |
| Assets per employee ($millions) | 3.6468% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 4,489 |
| Loan loss allowance to noncurrent loans | 61.9433% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.7630% | 1,395 |
| Noncurrent loans to loans | 1.7844% | 1,522 |
| Net loans and leases to total assets | 77.2808% | 1,021 |
| Net loans and leases to deposits | 95.6069% | 858 |
| Net loans and leases to core deposits | 98.4375% | 1,437 |
| Total domestic deposits to total assets | 80.8318% | 4,857 |
| Equity capital to assets | 10.0047% | 4,142 |
| Core capital (leverage) ratio | 10.1237% | 3,432 |
| Tier 1 risk-based capital ratio | 15.5373% | 3,125 |
| Total risk-based capital ratio | 16.7885% | 3,070 |
| Memoranda: | ||
| Average total assets | $123,149,000 | 4,123 |
| Average earning assets | $115,851,000 | 4,067 |
| Average equity | $12,326,000 | 4,352 |
| Average total loans | $93,748,000 | 3,566 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7613% | 4,616 |
| Cost of funding earning assets | 0.4391% | 3,288 |
| Net interest margin | 3.3222% | 4,506 |
| Noninterest income to average assets | 0.5880% | 2,932 |
| Noninterest expense to average assets | 4.2178% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.5528% | 6,310 |
| Return on assets (ROA) | -0.5528% | 6,308 |
| Pretax return on assets | -0.5436% | 6,299 |
| Return on Equity (ROE) | -5.7365% | 6,306 |
| Retained earnings to average equity (ytd only) | -5.7365% | 6,208 |
| Net charge-offs to loans | -0.0157% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7937% | 162 |
| Assets per employee ($millions) | 3.3974% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 4,087 |
| Loan loss allowance to noncurrent loans | 37.0818% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 2.7521% | 792 |
| Noncurrent loans to loans | 3.1997% | 680 |
| Net loans and leases to total assets | 73.2000% | 1,723 |
| Net loans and leases to deposits | 89.7326% | 1,544 |
| Net loans and leases to core deposits | 91.6244% | 2,134 |
| Total domestic deposits to total assets | 81.5757% | 4,574 |
| Equity capital to assets | 10.0134% | 4,099 |
| Core capital (leverage) ratio | 10.0259% | 3,538 |
| Tier 1 risk-based capital ratio | 16.6190% | 2,662 |
| Total risk-based capital ratio | 17.8711% | 2,611 |
| Memoranda: | ||
| Average total assets | $119,397,400 | 4,192 |
| Average earning assets | $110,919,000 | 4,161 |
| Average equity | $11,505,200 | 4,456 |
| Average total loans | $88,972,800 | 3,658 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 4,395 |
| Cost of funding earning assets | 0.4476% | 3,282 |
| Net interest margin | 3.3961% | 4,258 |
| Noninterest income to average assets | 0.5854% | 2,961 |
| Noninterest expense to average assets | 4.2818% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.5629% | 6,385 |
| Return on assets (ROA) | -0.5629% | 6,384 |
| Pretax return on assets | -0.5505% | 6,371 |
| Return on Equity (ROE) | -5.9010% | 6,383 |
| Retained earnings to average equity (ytd only) | -5.9010% | 6,284 |
| Net charge-offs to loans | 0.0105% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -70.0236% | 4,681 |
| Efficiency ratio | 114.7546% | 173 |
| Assets per employee ($millions) | 3.4409% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 4,445 |
| Loan loss allowance to noncurrent loans | 42.5343% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 2.5173% | 1,041 |
| Noncurrent loans to loans | 2.7275% | 1,036 |
| Net loans and leases to total assets | 76.7557% | 1,133 |
| Net loans and leases to deposits | 96.3725% | 853 |
| Net loans and leases to core deposits | 98.5438% | 1,485 |
| Total domestic deposits to total assets | 79.6448% | 5,188 |
| Equity capital to assets | 10.5768% | 3,459 |
| Core capital (leverage) ratio | 10.6142% | 2,909 |
| Tier 1 risk-based capital ratio | 16.6920% | 2,730 |
| Total risk-based capital ratio | 17.9442% | 2,686 |
| Memoranda: | ||
| Average total assets | $118,670,250 | 4,247 |
| Average earning assets | $109,926,000 | 4,219 |
| Average equity | $11,319,750 | 4,522 |
| Average total loans | $88,565,250 | 3,693 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 4,464 |
| Cost of funding earning assets | 0.4577% | 3,234 |
| Net interest margin | 3.3583% | 4,360 |
| Noninterest income to average assets | 0.5586% | 3,057 |
| Noninterest expense to average assets | 4.2707% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.6307% | 6,467 |
| Return on assets (ROA) | -0.6307% | 6,471 |
| Pretax return on assets | -0.6106% | 6,448 |
| Return on Equity (ROE) | -6.8561% | 6,479 |
| Retained earnings to average equity (ytd only) | -6.8561% | 6,341 |
| Net charge-offs to loans | -0.0478% | 5,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6819% | 167 |
| Assets per employee ($millions) | 3.4616% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 4,300 |
| Loan loss allowance to noncurrent loans | 43.7702% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 2.9738% | 857 |
| Noncurrent loans to loans | 2.8012% | 1,075 |
| Net loans and leases to total assets | 74.0618% | 1,435 |
| Net loans and leases to deposits | 91.9832% | 1,149 |
| Net loans and leases to core deposits | 94.0201% | 1,775 |
| Total domestic deposits to total assets | 80.5166% | 5,121 |
| Equity capital to assets | 10.6241% | 3,280 |
| Core capital (leverage) ratio | 10.6575% | 2,764 |
| Tier 1 risk-based capital ratio | 16.9900% | 2,623 |
| Total risk-based capital ratio | 18.2439% | 2,579 |
| Memoranda: | ||
| Average total assets | $119,229,670 | 4,259 |
| Average earning assets | $110,114,330 | 4,240 |
| Average equity | $10,968,330 | 4,616 |
| Average total loans | $87,803,000 | 3,722 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 4,442 |
| Cost of funding earning assets | 0.4777% | 3,139 |
| Net interest margin | 3.3333% | 4,406 |
| Noninterest income to average assets | 0.5633% | 2,963 |
| Noninterest expense to average assets | 4.3901% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7767% | 6,532 |
| Return on assets (ROA) | -0.7767% | 6,533 |
| Pretax return on assets | -0.7567% | 6,523 |
| Return on Equity (ROE) | -9.1368% | 6,550 |
| Retained earnings to average equity (ytd only) | -9.1368% | 6,328 |
| Net charge-offs to loans | -0.3243% | 6,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.8257% | 169 |
| Assets per employee ($millions) | 3.2927% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 4,196 |
| Loan loss allowance to noncurrent loans | 44.1326% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 3.0311% | 941 |
| Noncurrent loans to loans | 2.9139% | 1,116 |
| Net loans and leases to total assets | 73.3062% | 1,384 |
| Net loans and leases to deposits | 89.5446% | 1,201 |
| Net loans and leases to core deposits | 91.7844% | 1,751 |
| Total domestic deposits to total assets | 81.8656% | 4,980 |
| Equity capital to assets | 9.3743% | 4,661 |
| Core capital (leverage) ratio | 9.4346% | 4,368 |
| Tier 1 risk-based capital ratio | 14.9249% | 3,751 |
| Total risk-based capital ratio | 16.1785% | 3,704 |
| Memoranda: | ||
| Average total assets | $119,997,000 | 4,277 |
| Average earning assets | $110,519,500 | 4,262 |
| Average equity | $10,200,500 | 4,776 |
| Average total loans | $87,580,000 | 3,757 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 4,486 |
| Cost of funding earning assets | 0.4933% | 3,672 |
| Net interest margin | 3.3994% | 4,275 |
| Noninterest income to average assets | 0.6395% | 2,868 |
| Noninterest expense to average assets | 4.5436% | 509 |
| Loan and lease loss provision to assets | 0.5247% | 524 |
| Net operating income to assets | -1.3232% | 6,652 |
| Return on assets (ROA) | -1.3232% | 6,655 |
| Pretax return on assets | -1.3101% | 6,643 |
| Return on Equity (ROE) | -15.5443% | 6,650 |
| Retained earnings to average equity (ytd only) | -15.5443% | 6,623 |
| Net charge-offs to loans | 1.2414% | 419 |
| Credit loss provision to net charge-offs | 59.0951% | 3,594 |
| Earnings coverage of net charge-offs (x) | -0.8846% | 5,250 |
| Efficiency ratio | 119.7644% | 178 |
| Assets per employee ($millions) | 3.2826% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 4,552 |
| Loan loss allowance to noncurrent loans | 38.6380% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 3.2234% | 948 |
| Noncurrent loans to loans | 3.1515% | 1,086 |
| Net loans and leases to total assets | 70.8662% | 1,864 |
| Net loans and leases to deposits | 79.2845% | 2,554 |
| Net loans and leases to core deposits | 81.0539% | 3,001 |
| Total domestic deposits to total assets | 89.3823% | 1,391 |
| Equity capital to assets | 7.6480% | 6,210 |
| Core capital (leverage) ratio | 7.7505% | 6,275 |
| Tier 1 risk-based capital ratio | 12.2843% | 5,439 |
| Total risk-based capital ratio | 13.5356% | 5,362 |
| Memoranda: | ||
| Average total assets | $121,974,200 | 4,240 |
| Average earning assets | $111,902,600 | 4,223 |
| Average equity | $10,383,200 | 4,764 |
| Average total loans | $87,237,800 | 3,755 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8887% | 4,548 |
| Cost of funding earning assets | 0.5023% | 3,747 |
| Net interest margin | 3.3864% | 4,329 |
| Noninterest income to average assets | 0.6584% | 2,836 |
| Noninterest expense to average assets | 4.4879% | 525 |
| Loan and lease loss provision to assets | 0.5351% | 498 |
| Net operating income to assets | -1.2776% | 6,740 |
| Return on assets (ROA) | -1.2776% | 6,740 |
| Pretax return on assets | -1.2579% | 6,731 |
| Return on Equity (ROE) | -14.6382% | 6,729 |
| Retained earnings to average equity (ytd only) | -14.6382% | 6,700 |
| Net charge-offs to loans | 1.4530% | 330 |
| Credit loss provision to net charge-offs | 51.5247% | 3,463 |
| Earnings coverage of net charge-offs (x) | -0.6961% | 4,977 |
| Efficiency ratio | 117.8364% | 190 |
| Assets per employee ($millions) | 3.0755% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 4,761 |
| Loan loss allowance to noncurrent loans | 33.4723% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 3.6142% | 915 |
| Noncurrent loans to loans | 3.6614% | 1,012 |
| Net loans and leases to total assets | 70.1497% | 1,938 |
| Net loans and leases to deposits | 76.7885% | 2,848 |
| Net loans and leases to core deposits | 78.4810% | 3,300 |
| Total domestic deposits to total assets | 91.3544% | 403 |
| Equity capital to assets | 8.1121% | 6,066 |
| Core capital (leverage) ratio | 8.1857% | 6,079 |
| Tier 1 risk-based capital ratio | 13.1617% | 5,008 |
| Total risk-based capital ratio | 14.4117% | 4,957 |
| Memoranda: | ||
| Average total assets | $122,103,500 | 4,274 |
| Average earning assets | $112,013,750 | 4,261 |
| Average equity | $10,656,750 | 4,764 |
| Average total loans | $87,264,000 | 3,779 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 4,672 |
| Cost of funding earning assets | 0.5121% | 3,788 |
| Net interest margin | 3.3323% | 4,438 |
| Noninterest income to average assets | 0.8875% | 1,861 |
| Noninterest expense to average assets | 4.3396% | 604 |
| Loan and lease loss provision to assets | 0.3908% | 810 |
| Net operating income to assets | -0.8109% | 6,717 |
| Return on assets (ROA) | -0.8109% | 6,725 |
| Pretax return on assets | -0.7914% | 6,704 |
| Return on Equity (ROE) | -9.0829% | 6,726 |
| Retained earnings to average equity (ytd only) | -9.0829% | 6,641 |
| Net charge-offs to loans | 1.0278% | 589 |
| Credit loss provision to net charge-offs | 53.0973% | 3,157 |
| Earnings coverage of net charge-offs (x) | -0.5442% | 4,669 |
| Efficiency ratio | 108.8880% | 300 |
| Assets per employee ($millions) | 3.1038% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 3,537 |
| Loan loss allowance to noncurrent loans | 32.0040% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 4.2553% | 791 |
| Noncurrent loans to loans | 4.7214% | 712 |
| Net loans and leases to total assets | 69.5685% | 1,955 |
| Net loans and leases to deposits | 77.2708% | 2,682 |
| Net loans and leases to core deposits | 79.2412% | 3,122 |
| Total domestic deposits to total assets | 90.0321% | 1,005 |
| Equity capital to assets | 8.6791% | 5,578 |
| Core capital (leverage) ratio | 8.6421% | 5,494 |
| Tier 1 risk-based capital ratio | 14.0511% | 4,382 |
| Total risk-based capital ratio | 15.3075% | 4,342 |
| Memoranda: | ||
| Average total assets | $122,823,000 | 4,284 |
| Average earning assets | $112,475,000 | 4,279 |
| Average equity | $10,965,670 | 4,731 |
| Average total loans | $87,957,000 | 3,769 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 4,632 |
| Cost of funding earning assets | 0.5255% | 3,835 |
| Net interest margin | 3.3303% | 4,397 |
| Noninterest income to average assets | 0.8859% | 1,808 |
| Noninterest expense to average assets | 4.2583% | 657 |
| Loan and lease loss provision to assets | 0.0485% | 3,808 |
| Net operating income to assets | -0.4074% | 6,632 |
| Return on assets (ROA) | -0.4074% | 6,664 |
| Pretax return on assets | -0.3880% | 6,632 |
| Return on Equity (ROE) | -4.5018% | 6,677 |
| Retained earnings to average equity (ytd only) | -4.5018% | 6,325 |
| Net charge-offs to loans | 0.0852% | 2,987 |
| Credit loss provision to net charge-offs | 78.9474% | 2,166 |
| Earnings coverage of net charge-offs (x) | -5.5263% | 4,076 |
| Efficiency ratio | 107.3432% | 370 |
| Assets per employee ($millions) | 3.4363% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 2,950 |
| Loan loss allowance to noncurrent loans | 34.0754% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 5.8937% | 546 |
| Noncurrent loans to loans | 5.0315% | 755 |
| Net loans and leases to total assets | 69.5097% | 1,755 |
| Net loans and leases to deposits | 78.8615% | 2,231 |
| Net loans and leases to core deposits | 80.6107% | 2,735 |
| Total domestic deposits to total assets | 88.1414% | 2,232 |
| Equity capital to assets | 8.9921% | 5,493 |
| Core capital (leverage) ratio | 8.7628% | 5,245 |
| Tier 1 risk-based capital ratio | 13.8634% | 4,605 |
| Total risk-based capital ratio | 15.1211% | 4,560 |
| Memoranda: | ||
| Average total assets | $123,710,000 | 4,312 |
| Average earning assets | $112,662,500 | 4,316 |
| Average equity | $11,195,500 | 4,736 |
| Average total loans | $89,183,500 | 3,768 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4783% | 3,489 |
| Cost of funding earning assets | 0.7816% | 2,816 |
| Net interest margin | 3.6967% | 3,662 |
| Noninterest income to average assets | 0.7028% | 2,705 |
| Noninterest expense to average assets | 4.0684% | 905 |
| Loan and lease loss provision to assets | 0.6903% | 754 |
| Net operating income to assets | -0.6554% | 6,631 |
| Return on assets (ROA) | -0.6430% | 6,658 |
| Pretax return on assets | -0.6244% | 6,626 |
| Return on Equity (ROE) | -6.8926% | 6,651 |
| Retained earnings to average equity (ytd only) | -6.8926% | 6,522 |
| Net charge-offs to loans | 0.8221% | 1,423 |
| Credit loss provision to net charge-offs | 107.3583% | 2,754 |
| Earnings coverage of net charge-offs (x) | 0.0832% | 5,450 |
| Efficiency ratio | 97.5348% | 645 |
| Assets per employee ($millions) | 3.0928% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 3,100 |
| Loan loss allowance to noncurrent loans | 32.6531% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 6.1021% | 558 |
| Noncurrent loans to loans | 5.0683% | 778 |
| Net loans and leases to total assets | 72.2436% | 1,452 |
| Net loans and leases to deposits | 83.5724% | 1,804 |
| Net loans and leases to core deposits | 85.4640% | 2,379 |
| Total domestic deposits to total assets | 86.4443% | 3,129 |
| Equity capital to assets | 9.1074% | 5,395 |
| Core capital (leverage) ratio | 8.8540% | 5,091 |
| Tier 1 risk-based capital ratio | 13.6556% | 4,636 |
| Total risk-based capital ratio | 14.9133% | 4,579 |
| Memoranda: | ||
| Average total assets | $128,920,800 | 4,165 |
| Average earning assets | $119,241,400 | 4,122 |
| Average equity | $12,027,400 | 4,561 |
| Average total loans | $100,833,600 | 3,498 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 3,325 |
| Cost of funding earning assets | 0.8558% | 2,494 |
| Net interest margin | 3.7164% | 3,723 |
| Noninterest income to average assets | 0.9553% | 1,658 |
| Noninterest expense to average assets | 3.9152% | 1,045 |
| Loan and lease loss provision to assets | 0.8089% | 580 |
| Net operating income to assets | -0.3369% | 6,602 |
| Return on assets (ROA) | -0.3205% | 6,643 |
| Pretax return on assets | -0.3020% | 6,600 |
| Return on Equity (ROE) | -3.4158% | 6,644 |
| Retained earnings to average equity (ytd only) | -3.4158% | 6,511 |
| Net charge-offs to loans | 0.8156% | 1,342 |
| Credit loss provision to net charge-offs | 125.0000% | 2,306 |
| Earnings coverage of net charge-offs (x) | 0.7579% | 4,949 |
| Efficiency ratio | 87.7760% | 1,218 |
| Assets per employee ($millions) | 3.1105% | 5,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6279% | 3,421 |
| Loan loss allowance to noncurrent loans | 39.4044% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 3.7800% | 1,301 |
| Noncurrent loans to loans | 4.1312% | 1,214 |
| Net loans and leases to total assets | 77.7606% | 761 |
| Net loans and leases to deposits | 90.5983% | 1,082 |
| Net loans and leases to core deposits | 92.2043% | 1,762 |
| Total domestic deposits to total assets | 85.8301% | 3,346 |
| Equity capital to assets | 9.6448% | 5,002 |
| Core capital (leverage) ratio | 9.1527% | 4,827 |
| Tier 1 risk-based capital ratio | 13.5129% | 4,871 |
| Total risk-based capital ratio | 14.7704% | 4,827 |
| Memoranda: | ||
| Average total assets | $130,223,000 | 4,184 |
| Average earning assets | $120,901,250 | 4,133 |
| Average equity | $12,217,500 | 4,560 |
| Average total loans | $103,322,500 | 3,474 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 3,393 |
| Cost of funding earning assets | 0.9030% | 2,376 |
| Net interest margin | 3.6903% | 3,871 |
| Noninterest income to average assets | 0.7960% | 2,202 |
| Noninterest expense to average assets | 3.7652% | 1,267 |
| Loan and lease loss provision to assets | 0.3481% | 1,889 |
| Net operating income to assets | 0.0942% | 6,179 |
| Return on assets (ROA) | 0.1150% | 6,287 |
| Pretax return on assets | 0.1332% | 6,253 |
| Return on Equity (ROE) | 1.2368% | 6,252 |
| Retained earnings to average equity (ytd only) | 1.2368% | 5,578 |
| Net charge-offs to loans | 0.2172% | 3,274 |
| Credit loss provision to net charge-offs | 201.7544% | 1,415 |
| Earnings coverage of net charge-offs (x) | 2.6491% | 3,682 |
| Efficiency ratio | 88.0645% | 1,231 |
| Assets per employee ($millions) | 3.1438% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 3,897 |
| Loan loss allowance to noncurrent loans | 51.8112% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 2.8582% | 1,928 |
| Noncurrent loans to loans | 2.9424% | 2,028 |
| Net loans and leases to total assets | 78.1285% | 703 |
| Net loans and leases to deposits | 91.9612% | 954 |
| Net loans and leases to core deposits | 93.9902% | 1,606 |
| Total domestic deposits to total assets | 84.9582% | 3,884 |
| Equity capital to assets | 9.5683% | 4,953 |
| Core capital (leverage) ratio | 9.3101% | 4,438 |
| Tier 1 risk-based capital ratio | 13.5860% | 4,758 |
| Total risk-based capital ratio | 14.8338% | 4,726 |
| Memoranda: | ||
| Average total assets | $132,157,670 | 4,156 |
| Average earning assets | $122,701,670 | 4,108 |
| Average equity | $12,290,000 | 4,544 |
| Average total loans | $104,980,000 | 3,457 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 3,251 |
| Cost of funding earning assets | 0.9744% | 2,133 |
| Net interest margin | 3.6782% | 3,932 |
| Noninterest income to average assets | 0.9537% | 1,552 |
| Noninterest expense to average assets | 3.7372% | 1,318 |
| Loan and lease loss provision to assets | 0.4186% | 1,506 |
| Net operating income to assets | 0.1917% | 6,010 |
| Return on assets (ROA) | 0.2362% | 6,014 |
| Pretax return on assets | 0.2541% | 6,074 |
| Return on Equity (ROE) | 2.5757% | 5,875 |
| Retained earnings to average equity (ytd only) | 2.5757% | 4,968 |
| Net charge-offs to loans | 0.0376% | 4,171 |
| Credit loss provision to net charge-offs | 1,400.0000% | 248 |
| Earnings coverage of net charge-offs (x) | 20.9000% | 1,174 |
| Efficiency ratio | 84.5785% | 1,630 |
| Assets per employee ($millions) | 3.1939% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 4,110 |
| Loan loss allowance to noncurrent loans | 39.7724% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 3.5930% | 1,587 |
| Noncurrent loans to loans | 3.7944% | 1,629 |
| Net loans and leases to total assets | 78.3963% | 547 |
| Net loans and leases to deposits | 92.7665% | 745 |
| Net loans and leases to core deposits | 94.0903% | 1,461 |
| Total domestic deposits to total assets | 84.5094% | 4,269 |
| Equity capital to assets | 9.3631% | 5,011 |
| Core capital (leverage) ratio | 9.1487% | 4,609 |
| Tier 1 risk-based capital ratio | 13.2385% | 5,043 |
| Total risk-based capital ratio | 14.4946% | 5,013 |
| Memoranda: | ||
| Average total assets | $133,789,500 | 4,148 |
| Average earning assets | $123,973,500 | 4,111 |
| Average equity | $12,268,500 | 4,563 |
| Average total loans | $106,339,000 | 3,448 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 3,601 |
| Cost of funding earning assets | 1.3107% | 1,431 |
| Net interest margin | 3.5353% | 5,000 |
| Noninterest income to average assets | 0.6668% | 2,796 |
| Noninterest expense to average assets | 3.5578% | 1,840 |
| Loan and lease loss provision to assets | 0.1569% | 4,673 |
| Net operating income to assets | 0.1918% | 5,613 |
| Return on assets (ROA) | 0.1918% | 5,741 |
| Pretax return on assets | 0.2085% | 5,761 |
| Return on Equity (ROE) | 2.2872% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.2872% | 4,587 |
| Net charge-offs to loans | 0.6884% | 2,431 |
| Credit loss provision to net charge-offs | 28.4810% | 5,806 |
| Earnings coverage of net charge-offs (x) | 0.6633% | 5,323 |
| Efficiency ratio | 89.5467% | 1,225 |
| Assets per employee ($millions) | 3.4157% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,750 |
| Loan loss allowance to noncurrent loans | 43.4639% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 2.6751% | 2,275 |
| Noncurrent loans to loans | 3.0615% | 2,118 |
| Net loans and leases to total assets | 78.3157% | 675 |
| Net loans and leases to deposits | 93.4303% | 854 |
| Net loans and leases to core deposits | 95.6186% | 1,532 |
| Total domestic deposits to total assets | 83.8226% | 4,401 |
| Equity capital to assets | 8.9849% | 5,567 |
| Core capital (leverage) ratio | 8.7378% | 5,194 |
| Tier 1 risk-based capital ratio | 12.9919% | 5,073 |
| Total risk-based capital ratio | 14.2457% | 5,044 |
| Memoranda: | ||
| Average total assets | $143,373,400 | 3,924 |
| Average earning assets | $132,067,600 | 3,889 |
| Average equity | $12,023,200 | 4,548 |
| Average total loans | $114,764,000 | 3,280 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 3,654 |
| Cost of funding earning assets | 1.3748% | 1,343 |
| Net interest margin | 3.5010% | 5,181 |
| Noninterest income to average assets | 0.6498% | 2,883 |
| Noninterest expense to average assets | 3.5341% | 1,849 |
| Loan and lease loss provision to assets | -0.0276% | 7,314 |
| Net operating income to assets | 0.3474% | 5,214 |
| Return on assets (ROA) | 0.3474% | 5,396 |
| Pretax return on assets | 0.3640% | 5,568 |
| Return on Equity (ROE) | 4.2140% | 4,912 |
| Retained earnings to average equity (ytd only) | 4.2140% | 3,733 |
| Net charge-offs to loans | 0.1765% | 4,390 |
| Credit loss provision to net charge-offs | -19.4805% | 6,426 |
| Earnings coverage of net charge-offs (x) | 2.3766% | 3,937 |
| Efficiency ratio | 90.1686% | 1,155 |
| Assets per employee ($millions) | 3.6070% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,615 |
| Loan loss allowance to noncurrent loans | 40.1674% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 3.9965% | 1,533 |
| Noncurrent loans to loans | 4.0074% | 1,653 |
| Net loans and leases to total assets | 79.2561% | 586 |
| Net loans and leases to deposits | 94.2595% | 809 |
| Net loans and leases to core deposits | 96.2349% | 1,585 |
| Total domestic deposits to total assets | 84.0829% | 4,192 |
| Equity capital to assets | 8.8176% | 5,962 |
| Core capital (leverage) ratio | 8.5504% | 5,638 |
| Tier 1 risk-based capital ratio | 12.6688% | 5,349 |
| Total risk-based capital ratio | 13.9269% | 5,324 |
| Memoranda: | ||
| Average total assets | $145,059,500 | 3,910 |
| Average earning assets | $133,443,750 | 3,885 |
| Average equity | $11,960,000 | 4,579 |
| Average total loans | $116,343,750 | 3,275 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 3,794 |
| Cost of funding earning assets | 1.4358% | 1,252 |
| Net interest margin | 3.4270% | 5,456 |
| Noninterest income to average assets | 0.6047% | 3,103 |
| Noninterest expense to average assets | 3.5612% | 1,835 |
| Loan and lease loss provision to assets | -0.0819% | 7,417 |
| Net operating income to assets | 0.2593% | 5,520 |
| Return on assets (ROA) | 0.2593% | 5,646 |
| Pretax return on assets | 0.2757% | 5,722 |
| Return on Equity (ROE) | 3.2171% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.2171% | 4,221 |
| Net charge-offs to loans | 0.2369% | 3,701 |
| Credit loss provision to net charge-offs | -43.1655% | 6,238 |
| Earnings coverage of net charge-offs (x) | 1.0216% | 4,528 |
| Efficiency ratio | 93.6750% | 1,001 |
| Assets per employee ($millions) | 3.5019% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 3,771 |
| Loan loss allowance to noncurrent loans | 49.6296% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 3.5646% | 1,837 |
| Noncurrent loans to loans | 3.1875% | 2,249 |
| Net loans and leases to total assets | 78.3854% | 722 |
| Net loans and leases to deposits | 94.2264% | 860 |
| Net loans and leases to core deposits | 96.5993% | 1,619 |
| Total domestic deposits to total assets | 83.1883% | 4,681 |
| Equity capital to assets | 8.4413% | 6,247 |
| Core capital (leverage) ratio | 8.2298% | 5,980 |
| Tier 1 risk-based capital ratio | 12.3547% | 5,473 |
| Total risk-based capital ratio | 13.6123% | 5,444 |
| Memoranda: | ||
| Average total assets | $146,521,670 | 3,908 |
| Average earning assets | $134,694,000 | 3,889 |
| Average equity | $11,812,000 | 4,605 |
| Average total loans | $117,353,000 | 3,279 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 3,737 |
| Cost of funding earning assets | 1.5314% | 1,050 |
| Net interest margin | 3.3355% | 5,655 |
| Noninterest income to average assets | 0.5892% | 3,245 |
| Noninterest expense to average assets | 3.4812% | 2,058 |
| Loan and lease loss provision to assets | -0.2162% | 7,511 |
| Net operating income to assets | 0.3811% | 5,024 |
| Return on assets (ROA) | 0.3811% | 5,109 |
| Pretax return on assets | 0.3973% | 5,353 |
| Return on Equity (ROE) | 4.8379% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.8379% | 3,288 |
| Net charge-offs to loans | -0.0976% | 7,078 |
| Credit loss provision to net charge-offs | 275.8621% | 1,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8745% | 1,045 |
| Assets per employee ($millions) | 3.5707% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 3,466 |
| Loan loss allowance to noncurrent loans | 40.3672% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 3.9863% | 1,676 |
| Noncurrent loans to loans | 4.1259% | 1,743 |
| Net loans and leases to total assets | 78.9235% | 628 |
| Net loans and leases to deposits | 94.0085% | 822 |
| Net loans and leases to core deposits | 96.5942% | 1,632 |
| Total domestic deposits to total assets | 83.9536% | 4,507 |
| Equity capital to assets | 8.1523% | 6,339 |
| Core capital (leverage) ratio | 8.0198% | 6,229 |
| Tier 1 risk-based capital ratio | 12.0042% | 5,689 |
| Total risk-based capital ratio | 13.2636% | 5,669 |
| Memoranda: | ||
| Average total assets | $147,993,000 | 3,910 |
| Average earning assets | $136,349,500 | 3,888 |
| Average equity | $11,658,000 | 4,632 |
| Average total loans | $118,852,500 | 3,280 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 3,135 |
| Cost of funding earning assets | 1.9252% | 774 |
| Net interest margin | 3.3737% | 5,726 |
| Noninterest income to average assets | 0.6728% | 3,003 |
| Noninterest expense to average assets | 3.5065% | 2,152 |
| Loan and lease loss provision to assets | 0.1254% | 5,909 |
| Net operating income to assets | 0.1027% | 5,578 |
| Return on assets (ROA) | 0.1139% | 5,691 |
| Pretax return on assets | 0.1298% | 5,642 |
| Return on Equity (ROE) | 1.5576% | 5,540 |
| Retained earnings to average equity (ytd only) | 1.5576% | 4,753 |
| Net charge-offs to loans | 0.4297% | 3,900 |
| Credit loss provision to net charge-offs | 34.9291% | 6,449 |
| Earnings coverage of net charge-offs (x) | 0.6755% | 5,432 |
| Efficiency ratio | 92.4448% | 1,150 |
| Assets per employee ($millions) | 3.4787% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 3,328 |
| Loan loss allowance to noncurrent loans | 48.0958% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 3.5765% | 1,924 |
| Noncurrent loans to loans | 3.4733% | 2,178 |
| Net loans and leases to total assets | 79.0154% | 796 |
| Net loans and leases to deposits | 95.6495% | 900 |
| Net loans and leases to core deposits | 98.2641% | 1,773 |
| Total domestic deposits to total assets | 82.6093% | 4,972 |
| Equity capital to assets | 7.6083% | 6,810 |
| Core capital (leverage) ratio | 7.5410% | 6,668 |
| Tier 1 risk-based capital ratio | 11.3823% | 6,011 |
| Total risk-based capital ratio | 12.6415% | 5,993 |
| Memoranda: | ||
| Average total assets | $157,107,000 | 3,756 |
| Average earning assets | $143,256,000 | 3,755 |
| Average equity | $11,492,200 | 4,735 |
| Average total loans | $131,257,200 | 3,099 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3291% | 3,216 |
| Cost of funding earning assets | 1.9934% | 767 |
| Net interest margin | 3.3356% | 5,906 |
| Noninterest income to average assets | 0.6491% | 3,132 |
| Noninterest expense to average assets | 3.3939% | 2,313 |
| Loan and lease loss provision to assets | 0.1342% | 5,687 |
| Net operating income to assets | 0.1390% | 5,663 |
| Return on assets (ROA) | 0.1543% | 5,786 |
| Pretax return on assets | 0.1702% | 5,796 |
| Return on Equity (ROE) | 2.1296% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.1296% | 4,902 |
| Net charge-offs to loans | 0.2646% | 4,360 |
| Credit loss provision to net charge-offs | 60.1504% | 5,687 |
| Earnings coverage of net charge-offs (x) | 1.2895% | 4,789 |
| Efficiency ratio | 91.0934% | 1,206 |
| Assets per employee ($millions) | 3.6353% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 2,858 |
| Loan loss allowance to noncurrent loans | 49.0171% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 3.9075% | 1,804 |
| Noncurrent loans to loans | 3.6264% | 2,154 |
| Net loans and leases to total assets | 82.1183% | 479 |
| Net loans and leases to deposits | 99.8352% | 673 |
| Net loans and leases to core deposits | 102.8017% | 1,581 |
| Total domestic deposits to total assets | 82.2538% | 4,889 |
| Equity capital to assets | 7.6565% | 7,028 |
| Core capital (leverage) ratio | 7.3914% | 6,947 |
| Tier 1 risk-based capital ratio | 10.8056% | 6,541 |
| Total risk-based capital ratio | 12.0674% | 6,513 |
| Memoranda: | ||
| Average total assets | $158,987,250 | 3,776 |
| Average earning assets | $144,536,750 | 3,773 |
| Average equity | $11,520,000 | 4,799 |
| Average total loans | $134,020,500 | 3,098 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4225% | 2,879 |
| Cost of funding earning assets | 2.0303% | 823 |
| Net interest margin | 3.3921% | 5,672 |
| Noninterest income to average assets | 0.5624% | 3,610 |
| Noninterest expense to average assets | 3.3298% | 2,462 |
| Loan and lease loss provision to assets | 0.1242% | 5,649 |
| Net operating income to assets | 0.1691% | 5,667 |
| Return on assets (ROA) | 0.2049% | 5,675 |
| Pretax return on assets | 0.2210% | 5,723 |
| Return on Equity (ROE) | 2.8787% | 5,288 |
| Retained earnings to average equity (ytd only) | 2.8787% | 4,308 |
| Net charge-offs to loans | -0.0250% | 7,318 |
| Credit loss provision to net charge-offs | -588.2353% | 6,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4746% | 1,301 |
| Assets per employee ($millions) | 4.0455% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 2,459 |
| Loan loss allowance to noncurrent loans | 64.6266% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 3.5646% | 1,973 |
| Noncurrent loans to loans | 2.9152% | 2,743 |
| Net loans and leases to total assets | 82.2575% | 511 |
| Net loans and leases to deposits | 103.0990% | 531 |
| Net loans and leases to core deposits | 106.5744% | 1,399 |
| Total domestic deposits to total assets | 79.7850% | 5,795 |
| Equity capital to assets | 7.3130% | 7,217 |
| Core capital (leverage) ratio | 7.1246% | 7,115 |
| Tier 1 risk-based capital ratio | 10.2880% | 6,845 |
| Total risk-based capital ratio | 11.5508% | 6,815 |
| Memoranda: | ||
| Average total assets | $161,089,330 | 3,768 |
| Average earning assets | $145,985,670 | 3,781 |
| Average equity | $11,463,330 | 4,812 |
| Average total loans | $136,144,670 | 3,080 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6088% | 2,111 |
| Cost of funding earning assets | 2.0678% | 896 |
| Net interest margin | 3.5409% | 4,987 |
| Noninterest income to average assets | 0.4817% | 4,188 |
| Noninterest expense to average assets | 3.2394% | 2,733 |
| Loan and lease loss provision to assets | 0.1475% | 5,070 |
| Net operating income to assets | 0.2717% | 5,412 |
| Return on assets (ROA) | 0.3441% | 5,231 |
| Pretax return on assets | 0.3613% | 5,410 |
| Return on Equity (ROE) | 4.9011% | 4,418 |
| Retained earnings to average equity (ytd only) | 4.9011% | 3,207 |
| Net charge-offs to loans | 0.5098% | 2,539 |
| Credit loss provision to net charge-offs | 34.0909% | 4,753 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,170 |
| Efficiency ratio | 87.1486% | 1,671 |
| Assets per employee ($millions) | 3.7352% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 3,255 |
| Loan loss allowance to noncurrent loans | 97.7922% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 2.9213% | 2,453 |
| Noncurrent loans to loans | 1.6857% | 4,220 |
| Net loans and leases to total assets | 83.9142% | 383 |
| Net loans and leases to deposits | 105.5204% | 449 |
| Net loans and leases to core deposits | 110.3408% | 1,248 |
| Total domestic deposits to total assets | 79.5242% | 5,938 |
| Equity capital to assets | 7.1526% | 7,308 |
| Core capital (leverage) ratio | 6.9724% | 7,271 |
| Tier 1 risk-based capital ratio | 9.8701% | 7,112 |
| Total risk-based capital ratio | 11.1294% | 7,102 |
| Memoranda: | ||
| Average total assets | $162,747,000 | 3,785 |
| Average earning assets | $146,627,500 | 3,824 |
| Average equity | $11,426,000 | 4,861 |
| Average total loans | $138,080,500 | 3,105 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5753% | 3,729 |
| Cost of funding earning assets | 2.6117% | 756 |
| Net interest margin | 2.9636% | 6,729 |
| Noninterest income to average assets | 0.0690% | 7,407 |
| Noninterest expense to average assets | 4.7820% | 618 |
| Loan and lease loss provision to assets | 2.4364% | 823 |
| Net operating income to assets | -4.1630% | 7,632 |
| Return on assets (ROA) | -3.9812% | 7,599 |
| Pretax return on assets | -4.3145% | 7,601 |
| Return on Equity (ROE) | -48.0567% | 7,665 |
| Retained earnings to average equity (ytd only) | -48.0567% | 7,658 |
| Net charge-offs to loans | 3.3368% | 599 |
| Credit loss provision to net charge-offs | 90.2291% | 5,992 |
| Earnings coverage of net charge-offs (x) | -0.7687% | 6,833 |
| Efficiency ratio | 175.4248% | 200 |
| Assets per employee ($millions) | 3.6640% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 2,875 |
| Loan loss allowance to noncurrent loans | 83.3919% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 4.3171% | 1,516 |
| Noncurrent loans to loans | 2.0471% | 3,594 |
| Net loans and leases to total assets | 82.9385% | 555 |
| Net loans and leases to deposits | 108.1439% | 452 |
| Net loans and leases to core deposits | 126.8685% | 1,457 |
| Total domestic deposits to total assets | 76.6927% | 6,552 |
| Equity capital to assets | 6.8923% | 7,419 |
| Core capital (leverage) ratio | 6.6976% | 7,411 |
| Tier 1 risk-based capital ratio | 9.0053% | 7,463 |
| Total risk-based capital ratio | 10.2638% | 7,481 |
| Memoranda: | ||
| Average total assets | $182,684,600 | 3,394 |
| Average earning assets | $162,573,400 | 3,472 |
| Average equity | $15,134,200 | 4,036 |
| Average total loans | $147,836,800 | 2,957 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5383% | 4,223 |
| Cost of funding earning assets | 2.6975% | 795 |
| Net interest margin | 2.8408% | 6,986 |
| Noninterest income to average assets | 0.2109% | 6,718 |
| Noninterest expense to average assets | 4.0112% | 1,261 |
| Loan and lease loss provision to assets | 2.8649% | 534 |
| Net operating income to assets | -2.6524% | 7,499 |
| Return on assets (ROA) | -2.5471% | 7,478 |
| Pretax return on assets | -3.9728% | 7,684 |
| Return on Equity (ROE) | -29.6487% | 7,599 |
| Retained earnings to average equity (ytd only) | -29.6487% | 7,589 |
| Net charge-offs to loans | 3.3471% | 463 |
| Credit loss provision to net charge-offs | 106.7711% | 4,763 |
| Earnings coverage of net charge-offs (x) | -0.4742% | 6,469 |
| Efficiency ratio | 145.2393% | 339 |
| Assets per employee ($millions) | 4.1917% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 4,878 |
| Loan loss allowance to noncurrent loans | 40.0789% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 5.0631% | 1,154 |
| Noncurrent loans to loans | 3.1046% | 2,431 |
| Net loans and leases to total assets | 80.4927% | 1,088 |
| Net loans and leases to deposits | 104.0439% | 773 |
| Net loans and leases to core deposits | 126.3094% | 1,709 |
| Total domestic deposits to total assets | 77.3641% | 6,244 |
| Equity capital to assets | 8.4052% | 6,377 |
| Core capital (leverage) ratio | 7.5533% | 6,914 |
| Tier 1 risk-based capital ratio | 10.0065% | 6,979 |
| Total risk-based capital ratio | 11.2580% | 6,925 |
| Memoranda: | ||
| Average total assets | $187,135,750 | 3,353 |
| Average earning assets | $166,519,750 | 3,437 |
| Average equity | $16,076,750 | 3,898 |
| Average total loans | $150,015,000 | 2,952 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5848% | 4,145 |
| Cost of funding earning assets | 2.7094% | 1,010 |
| Net interest margin | 2.8754% | 6,855 |
| Noninterest income to average assets | 0.1299% | 7,310 |
| Noninterest expense to average assets | 4.4512% | 810 |
| Loan and lease loss provision to assets | 3.5802% | 391 |
| Net operating income to assets | -3.4384% | 7,758 |
| Return on assets (ROA) | -3.3289% | 7,730 |
| Pretax return on assets | -5.1702% | 7,880 |
| Return on Equity (ROE) | -38.4848% | 7,830 |
| Retained earnings to average equity (ytd only) | -38.4848% | 7,815 |
| Net charge-offs to loans | 4.1483% | 331 |
| Credit loss provision to net charge-offs | 108.2349% | 4,273 |
| Earnings coverage of net charge-offs (x) | -0.5324% | 6,089 |
| Efficiency ratio | 164.2465% | 307 |
| Assets per employee ($millions) | 4.3623% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 4,799 |
| Loan loss allowance to noncurrent loans | 41.5570% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 4.4899% | 1,247 |
| Noncurrent loans to loans | 2.9428% | 2,446 |
| Net loans and leases to total assets | 77.0487% | 1,940 |
| Net loans and leases to deposits | 101.0668% | 1,167 |
| Net loans and leases to core deposits | 123.8095% | 2,044 |
| Total domestic deposits to total assets | 76.2354% | 6,502 |
| Equity capital to assets | 7.9999% | 6,753 |
| Core capital (leverage) ratio | 7.4240% | 7,109 |
| Tier 1 risk-based capital ratio | 10.2711% | 6,627 |
| Total risk-based capital ratio | 11.5216% | 6,557 |
| Memoranda: | ||
| Average total assets | $189,432,670 | 3,341 |
| Average earning assets | $168,672,000 | 3,418 |
| Average equity | $16,385,670 | 3,840 |
| Average total loans | $151,049,330 | 2,963 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6246% | 4,214 |
| Cost of funding earning assets | 2.7406% | 1,138 |
| Net interest margin | 2.8840% | 6,789 |
| Noninterest income to average assets | -0.2530% | 8,174 |
| Noninterest expense to average assets | 5.7626% | 323 |
| Loan and lease loss provision to assets | 7.1124% | 92 |
| Net operating income to assets | -6.8738% | 8,117 |
| Return on assets (ROA) | -6.7702% | 8,107 |
| Pretax return on assets | -10.4029% | 8,159 |
| Return on Equity (ROE) | -75.3802% | 8,112 |
| Retained earnings to average equity (ytd only) | -75.3802% | 8,102 |
| Net charge-offs to loans | 7.5510% | 103 |
| Credit loss provision to net charge-offs | 116.8296% | 3,341 |
| Earnings coverage of net charge-offs (x) | -0.5667% | 5,280 |
| Efficiency ratio | 247.7941% | 128 |
| Assets per employee ($millions) | 4.2880% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 3,823 |
| Loan loss allowance to noncurrent loans | 28.7091% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 5.7226% | 720 |
| Noncurrent loans to loans | 4.6862% | 1,196 |
| Net loans and leases to total assets | 79.8694% | 1,413 |
| Net loans and leases to deposits | 106.2446% | 843 |
| Net loans and leases to core deposits | 130.0347% | 1,658 |
| Total domestic deposits to total assets | 75.1750% | 6,673 |
| Equity capital to assets | 8.1230% | 6,646 |
| Core capital (leverage) ratio | 7.9942% | 6,457 |
| Tier 1 risk-based capital ratio | 10.6603% | 6,227 |
| Total risk-based capital ratio | 11.9101% | 6,138 |
| Memoranda: | ||
| Average total assets | $188,178,500 | 3,379 |
| Average earning assets | $167,406,500 | 3,459 |
| Average equity | $16,901,000 | 3,750 |
| Average total loans | $151,714,500 | 2,977 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0897% | 5,103 |
| Cost of funding earning assets | 3.1081% | 1,481 |
| Net interest margin | 2.9816% | 6,962 |
| Noninterest income to average assets | 0.6229% | 3,692 |
| Noninterest expense to average assets | 2.9533% | 4,249 |
| Loan and lease loss provision to assets | 1.5625% | 851 |
| Net operating income to assets | -0.7247% | 7,079 |
| Return on assets (ROA) | -0.6991% | 6,968 |
| Pretax return on assets | -1.1748% | 7,102 |
| Return on Equity (ROE) | -6.8685% | 7,036 |
| Retained earnings to average equity (ytd only) | -6.8685% | 6,768 |
| Net charge-offs to loans | 1.0241% | 1,211 |
| Credit loss provision to net charge-offs | 191.6285% | 2,562 |
| Earnings coverage of net charge-offs (x) | 0.4264% | 5,980 |
| Efficiency ratio | 88.3037% | 1,654 |
| Assets per employee ($millions) | 3.9933% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5037% | 7,846 |
| Loan loss allowance to noncurrent loans | 18.2848% | 7,307 |
| Noncurrent assets plus other real estate owned to assets | 5.0793% | 675 |
| Noncurrent loans to loans | 2.7548% | 1,969 |
| Net loans and leases to total assets | 79.8805% | 1,691 |
| Net loans and leases to deposits | 104.0200% | 1,341 |
| Net loans and leases to core deposits | 130.0422% | 1,852 |
| Total domestic deposits to total assets | 76.7934% | 6,036 |
| Equity capital to assets | 9.8442% | 4,233 |
| Core capital (leverage) ratio | 9.7251% | 3,738 |
| Tier 1 risk-based capital ratio | 12.8094% | 4,213 |
| Total risk-based capital ratio | 13.3427% | 4,628 |
| Memoranda: | ||
| Average total assets | $187,520,000 | 3,304 |
| Average earning assets | $168,431,000 | 3,358 |
| Average equity | $19,087,000 | 3,380 |
| Average total loans | $149,308,800 | 2,943 |