Home > Home Loan Investment Bank, F.S.B. > Performance and Condition Ratios
Home Loan Investment Bank, F.S.B., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3093% | 109 |
| Cost of funding earning assets | 2.7919% | 213 |
| Net interest margin | 5.5174% | 181 |
| Noninterest income to average assets | 2.1000% | 256 |
| Noninterest expense to average assets | 5.3584% | 206 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 1.6368% | 816 |
| Return on assets (ROA) | 1.6368% | 783 |
| Pretax return on assets | 1.6368% | 1,172 |
| Return on Equity (ROE) | 13.0000% | 1,728 |
| Retained earnings to average equity (ytd only) | 10.2742% | 946 |
| Net charge-offs to loans | 0.2280% | 478 |
| Credit loss provision to net charge-offs | 183.0530% | 1,292 |
| Earnings coverage of net charge-offs (x) | 10.1138% | 2,257 |
| Efficiency ratio | 72.8344% | 1,571 |
| Assets per employee ($millions) | 3.9313% | 4,182 |
| Cash dividends to net income (ytd only)* | 20.9902% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0454% | 348 |
| Loan loss allowance to noncurrent loans | 173.0148% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 449 |
| Noncurrent loans to loans | 1.1822% | 604 |
| Net loans and leases to total assets | 86.1300% | 152 |
| Net loans and leases to deposits | 105.0645% | 321 |
| Net loans and leases to core deposits | 148.2333% | 216 |
| Total domestic deposits to total assets | 81.9800% | 3,128 |
| Equity capital to assets | 12.2017% | 1,063 |
| Core capital (leverage) ratio | 12.6085% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1719% | 1,234 |
| Memoranda: | ||
| Average total assets | $391,183,200 | 2,041 |
| Average earning assets | $373,004,000 | 2,003 |
| Average equity | $49,239,800 | 1,629 |
| Average total loans | $339,040,800 | 1,651 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1882% | 107 |
| Cost of funding earning assets | 2.6349% | 221 |
| Net interest margin | 5.5533% | 172 |
| Noninterest income to average assets | 2.5000% | 232 |
| Noninterest expense to average assets | 5.5966% | 194 |
| Loan and lease loss provision to assets | 0.3500% | 251 |
| Net operating income to assets | 1.8423% | 607 |
| Return on assets (ROA) | 1.8423% | 597 |
| Pretax return on assets | 1.8423% | 937 |
| Return on Equity (ROE) | 14.5200% | 1,544 |
| Retained earnings to average equity (ytd only) | 14.5157% | 613 |
| Net charge-offs to loans | 0.1678% | 512 |
| Credit loss provision to net charge-offs | 239.2344% | 1,011 |
| Earnings coverage of net charge-offs (x) | 15.1124% | 1,974 |
| Efficiency ratio | 71.8857% | 1,583 |
| Assets per employee ($millions) | 3.7821% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1349% | 326 |
| Loan loss allowance to noncurrent loans | 145.0449% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.3195% | 313 |
| Noncurrent loans to loans | 1.4719% | 501 |
| Net loans and leases to total assets | 85.0100% | 214 |
| Net loans and leases to deposits | 99.8825% | 524 |
| Net loans and leases to core deposits | 139.5470% | 226 |
| Total domestic deposits to total assets | 85.1100% | 2,467 |
| Equity capital to assets | 12.6251% | 885 |
| Core capital (leverage) ratio | 13.1785% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7238% | 1,151 |
| Memoranda: | ||
| Average total assets | $384,798,500 | 2,060 |
| Average earning assets | $366,355,500 | 2,018 |
| Average equity | $48,838,000 | 1,630 |
| Average total loans | $332,192,750 | 1,672 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0498% | 104 |
| Cost of funding earning assets | 2.4586% | 211 |
| Net interest margin | 5.5913% | 158 |
| Noninterest income to average assets | 2.6700% | 191 |
| Noninterest expense to average assets | 5.4318% | 197 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 2.2481% | 331 |
| Return on assets (ROA) | 2.2481% | 325 |
| Pretax return on assets | 2.2481% | 503 |
| Return on Equity (ROE) | 17.6800% | 989 |
| Retained earnings to average equity (ytd only) | 17.6802% | 356 |
| Net charge-offs to loans | 0.1187% | 611 |
| Credit loss provision to net charge-offs | 309.2784% | 848 |
| Earnings coverage of net charge-offs (x) | 25.0773% | 1,635 |
| Efficiency ratio | 67.9301% | 1,992 |
| Assets per employee ($millions) | 3.7355% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1696% | 323 |
| Loan loss allowance to noncurrent loans | 150.6329% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.2667% | 313 |
| Noncurrent loans to loans | 1.4403% | 478 |
| Net loans and leases to total assets | 84.2500% | 251 |
| Net loans and leases to deposits | 99.5311% | 536 |
| Net loans and leases to core deposits | 138.2908% | 231 |
| Total domestic deposits to total assets | 84.6500% | 2,642 |
| Equity capital to assets | 12.8684% | 843 |
| Core capital (leverage) ratio | 13.6140% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3100% | 1,063 |
| Memoranda: | ||
| Average total assets | $379,431,667 | 2,078 |
| Average earning assets | $361,349,000 | 2,039 |
| Average equity | $48,246,000 | 1,643 |
| Average total loans | $326,839,667 | 1,681 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0056% | 61 |
| Cost of funding earning assets | 2.3479% | 131 |
| Net interest margin | 5.6577% | 124 |
| Noninterest income to average assets | 3.3200% | 163 |
| Noninterest expense to average assets | 5.5684% | 198 |
| Loan and lease loss provision to assets | 0.3200% | 260 |
| Net operating income to assets | 2.8456% | 173 |
| Return on assets (ROA) | 2.8456% | 171 |
| Pretax return on assets | 2.8456% | 239 |
| Return on Equity (ROE) | 22.5200% | 546 |
| Retained earnings to average equity (ytd only) | 22.5194% | 270 |
| Net charge-offs to loans | 0.2130% | 340 |
| Credit loss provision to net charge-offs | 174.4186% | 883 |
| Earnings coverage of net charge-offs (x) | 17.2500% | 1,501 |
| Efficiency ratio | 63.7552% | 2,491 |
| Assets per employee ($millions) | 3.7370% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2140% | 314 |
| Loan loss allowance to noncurrent loans | 140.9449% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.3823% | 251 |
| Noncurrent loans to loans | 1.5708% | 414 |
| Net loans and leases to total assets | 83.3400% | 278 |
| Net loans and leases to deposits | 99.1868% | 478 |
| Net loans and leases to core deposits | 128.6198% | 290 |
| Total domestic deposits to total assets | 84.0300% | 3,087 |
| Equity capital to assets | 13.1191% | 734 |
| Core capital (leverage) ratio | 12.9806% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6602% | 1,049 |
| Memoranda: | ||
| Average total assets | $374,901,000 | 2,133 |
| Average earning assets | $358,448,000 | 2,081 |
| Average equity | $47,372,500 | 1,677 |
| Average total loans | $322,970,500 | 1,713 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8056% | 52 |
| Cost of funding earning assets | 1.5226% | 23 |
| Net interest margin | 5.2829% | 109 |
| Noninterest income to average assets | 2.7500% | 186 |
| Noninterest expense to average assets | 5.4201% | 191 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 2.4789% | 148 |
| Return on assets (ROA) | 2.4789% | 143 |
| Pretax return on assets | 2.4789% | 213 |
| Return on Equity (ROE) | 20.0500% | 474 |
| Retained earnings to average equity (ytd only) | 20.0548% | 91 |
| Net charge-offs to loans | 0.2616% | 304 |
| Credit loss provision to net charge-offs | -53.4759% | 4,566 |
| Earnings coverage of net charge-offs (x) | 10.9345% | 2,171 |
| Efficiency ratio | 69.6366% | 1,737 |
| Assets per employee ($millions) | 3.9983% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9215% | 505 |
| Loan loss allowance to noncurrent loans | 156.9805% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 1.0981% | 380 |
| Noncurrent loans to loans | 1.2240% | 568 |
| Net loans and leases to total assets | 85.3700% | 192 |
| Net loans and leases to deposits | 99.8556% | 439 |
| Net loans and leases to core deposits | 133.7452% | 193 |
| Total domestic deposits to total assets | 85.4900% | 2,859 |
| Equity capital to assets | 12.1654% | 888 |
| Core capital (leverage) ratio | 12.6966% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0987% | 1,112 |
| Memoranda: | ||
| Average total assets | $346,083,800 | 2,238 |
| Average earning assets | $329,891,600 | 2,198 |
| Average equity | $42,777,800 | 1,832 |
| Average total loans | $285,984,800 | 1,788 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4206% | 59 |
| Cost of funding earning assets | 1.3456% | 15 |
| Net interest margin | 5.0749% | 112 |
| Noninterest income to average assets | 3.5700% | 163 |
| Noninterest expense to average assets | 5.7175% | 175 |
| Loan and lease loss provision to assets | -0.1600% | 4,645 |
| Net operating income to assets | 2.8364% | 116 |
| Return on assets (ROA) | 2.8364% | 112 |
| Pretax return on assets | 2.8364% | 158 |
| Return on Equity (ROE) | 22.8500% | 261 |
| Retained earnings to average equity (ytd only) | 22.8461% | 59 |
| Net charge-offs to loans | 0.2513% | 267 |
| Credit loss provision to net charge-offs | -77.2201% | 4,639 |
| Earnings coverage of net charge-offs (x) | 13.0946% | 1,895 |
| Efficiency ratio | 68.0980% | 2,006 |
| Assets per employee ($millions) | 3.5465% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2332% | 330 |
| Loan loss allowance to noncurrent loans | 213.2491% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 494 |
| Noncurrent loans to loans | 1.0472% | 731 |
| Net loans and leases to total assets | 82.9200% | 323 |
| Net loans and leases to deposits | 103.5882% | 245 |
| Net loans and leases to core deposits | 129.7342% | 151 |
| Total domestic deposits to total assets | 80.0500% | 4,091 |
| Equity capital to assets | 12.8940% | 690 |
| Core capital (leverage) ratio | 13.2797% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3891% | 1,105 |
| Memoranda: | ||
| Average total assets | $337,645,250 | 2,285 |
| Average earning assets | $321,126,500 | 2,247 |
| Average equity | $41,920,000 | 1,886 |
| Average total loans | $274,824,750 | 1,831 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0801% | 66 |
| Cost of funding earning assets | 1.2797% | 10 |
| Net interest margin | 4.8004% | 130 |
| Noninterest income to average assets | 4.2334% | 110 |
| Noninterest expense to average assets | 5.7672% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 3.0370% | 71 |
| Return on assets (ROA) | 3.0370% | 67 |
| Pretax return on assets | 3.0370% | 93 |
| Return on Equity (ROE) | 24.7929% | 119 |
| Retained earnings to average equity (ytd only) | 24.7929% | 34 |
| Net charge-offs to loans | 0.1768% | 364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.4219% | 1,523 |
| Efficiency ratio | 65.5048% | 2,576 |
| Assets per employee ($millions) | 3.3975% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5653% | 234 |
| Loan loss allowance to noncurrent loans | 254.5200% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9118% | 551 |
| Noncurrent loans to loans | 1.0079% | 828 |
| Net loans and leases to total assets | 84.5889% | 161 |
| Net loans and leases to deposits | 101.7124% | 220 |
| Net loans and leases to core deposits | 127.5921% | 135 |
| Total domestic deposits to total assets | 83.1647% | 3,847 |
| Equity capital to assets | 13.2085% | 629 |
| Core capital (leverage) ratio | 13.2874% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4698% | 1,085 |
| Memoranda: | ||
| Average total assets | $334,341,333 | 2,309 |
| Average earning assets | $318,349,000 | 2,281 |
| Average equity | $40,955,333 | 1,961 |
| Average total loans | $268,172,667 | 1,862 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7316% | 81 |
| Cost of funding earning assets | 1.3264% | 7 |
| Net interest margin | 4.4052% | 194 |
| Noninterest income to average assets | 5.9226% | 87 |
| Noninterest expense to average assets | 5.6980% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 4.4168% | 47 |
| Return on assets (ROA) | 4.4168% | 45 |
| Pretax return on assets | 4.4168% | 54 |
| Return on Equity (ROE) | 37.4707% | 34 |
| Retained earnings to average equity (ytd only) | 37.4707% | 22 |
| Net charge-offs to loans | 0.1857% | 327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 30.8843% | 1,115 |
| Efficiency ratio | 56.3333% | 3,847 |
| Assets per employee ($millions) | 3.5169% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8696% | 178 |
| Loan loss allowance to noncurrent loans | 270.3297% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 571 |
| Noncurrent loans to loans | 1.0615% | 848 |
| Net loans and leases to total assets | 73.9872% | 659 |
| Net loans and leases to deposits | 85.2188% | 791 |
| Net loans and leases to core deposits | 106.9891% | 331 |
| Total domestic deposits to total assets | 86.8204% | 2,990 |
| Equity capital to assets | 12.3666% | 841 |
| Core capital (leverage) ratio | 12.3235% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7163% | 1,099 |
| Memoranda: | ||
| Average total assets | $338,432,000 | 2,306 |
| Average earning assets | $322,073,000 | 2,275 |
| Average equity | $39,892,500 | 2,058 |
| Average total loans | $260,679,500 | 1,884 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8604% | 90 |
| Cost of funding earning assets | 1.5032% | 10 |
| Net interest margin | 4.3572% | 364 |
| Noninterest income to average assets | 4.9970% | 111 |
| Noninterest expense to average assets | 4.7473% | 191 |
| Loan and lease loss provision to assets | 0.2039% | 515 |
| Net operating income to assets | 4.2044% | 57 |
| Return on assets (ROA) | 4.2044% | 58 |
| Pretax return on assets | 4.2044% | 73 |
| Return on Equity (ROE) | 39.5781% | 31 |
| Retained earnings to average equity (ytd only) | 1.7641% | 4,054 |
| Net charge-offs to loans | 0.4009% | 210 |
| Credit loss provision to net charge-offs | 64.3478% | 2,039 |
| Earnings coverage of net charge-offs (x) | 13.9096% | 2,058 |
| Efficiency ratio | 51.8512% | 4,128 |
| Assets per employee ($millions) | 3.3925% | 4,612 |
| Cash dividends to net income (ytd only)* | 95.5427% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8393% | 176 |
| Loan loss allowance to noncurrent loans | 222.8461% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.1016% | 476 |
| Noncurrent loans to loans | 1.2741% | 752 |
| Net loans and leases to total assets | 75.6630% | 536 |
| Net loans and leases to deposits | 85.8983% | 783 |
| Net loans and leases to core deposits | 107.0766% | 349 |
| Total domestic deposits to total assets | 88.0844% | 2,003 |
| Equity capital to assets | 11.2111% | 1,658 |
| Core capital (leverage) ratio | 10.8695% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1165% | 1,477 |
| Memoranda: | ||
| Average total assets | $362,857,600 | 2,136 |
| Average earning assets | $346,323,800 | 2,100 |
| Average equity | $38,546,600 | 2,132 |
| Average total loans | $286,845,600 | 1,758 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7487% | 113 |
| Cost of funding earning assets | 1.5260% | 12 |
| Net interest margin | 4.2227% | 517 |
| Noninterest income to average assets | 5.2495% | 109 |
| Noninterest expense to average assets | 4.9082% | 180 |
| Loan and lease loss provision to assets | 0.2677% | 323 |
| Net operating income to assets | 4.1066% | 61 |
| Return on assets (ROA) | 4.1066% | 61 |
| Pretax return on assets | 4.1066% | 81 |
| Return on Equity (ROE) | 39.1561% | 39 |
| Retained earnings to average equity (ytd only) | -11.0939% | 4,857 |
| Net charge-offs to loans | 0.4485% | 170 |
| Credit loss provision to net charge-offs | 75.2033% | 1,733 |
| Earnings coverage of net charge-offs (x) | 12.2947% | 1,960 |
| Efficiency ratio | 52.8766% | 3,931 |
| Assets per employee ($millions) | 3.6238% | 4,601 |
| Cash dividends to net income (ytd only)* | 128.3325% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8019% | 193 |
| Loan loss allowance to noncurrent loans | 150.6879% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 318 |
| Noncurrent loans to loans | 1.8594% | 505 |
| Net loans and leases to total assets | 73.3958% | 741 |
| Net loans and leases to deposits | 85.7965% | 839 |
| Net loans and leases to core deposits | 107.6165% | 376 |
| Total domestic deposits to total assets | 85.5463% | 2,927 |
| Equity capital to assets | 9.4211% | 3,445 |
| Core capital (leverage) ratio | 9.3991% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1778% | 2,301 |
| Memoranda: | ||
| Average total assets | $368,760,750 | 2,130 |
| Average earning assets | $352,186,000 | 2,092 |
| Average equity | $38,675,000 | 2,153 |
| Average total loans | $292,511,000 | 1,767 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6678% | 138 |
| Cost of funding earning assets | 1.5699% | 12 |
| Net interest margin | 4.0979% | 699 |
| Noninterest income to average assets | 5.3989% | 105 |
| Noninterest expense to average assets | 4.6936% | 195 |
| Loan and lease loss provision to assets | 0.3990% | 157 |
| Net operating income to assets | 4.2223% | 65 |
| Return on assets (ROA) | 4.2223% | 65 |
| Pretax return on assets | 4.2223% | 82 |
| Return on Equity (ROE) | 38.9681% | 48 |
| Retained earnings to average equity (ytd only) | 33.9914% | 21 |
| Net charge-offs to loans | 0.5924% | 130 |
| Credit loss provision to net charge-offs | 83.6158% | 1,473 |
| Earnings coverage of net charge-offs (x) | 9.6836% | 1,822 |
| Efficiency ratio | 50.3879% | 4,204 |
| Assets per employee ($millions) | 3.6229% | 4,624 |
| Cash dividends to net income (ytd only)* | 12.7714% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7002% | 207 |
| Loan loss allowance to noncurrent loans | 143.8866% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.6018% | 334 |
| Noncurrent loans to loans | 1.8766% | 537 |
| Net loans and leases to total assets | 77.2514% | 495 |
| Net loans and leases to deposits | 89.0035% | 713 |
| Net loans and leases to core deposits | 110.6645% | 342 |
| Total domestic deposits to total assets | 86.7960% | 2,429 |
| Equity capital to assets | 12.1977% | 1,272 |
| Core capital (leverage) ratio | 12.0442% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6606% | 1,198 |
| Memoranda: | ||
| Average total assets | $370,888,000 | 2,115 |
| Average earning assets | $354,423,667 | 2,074 |
| Average equity | $40,186,667 | 2,097 |
| Average total loans | $298,802,000 | 1,751 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7108% | 147 |
| Cost of funding earning assets | 1.6266% | 15 |
| Net interest margin | 4.0843% | 737 |
| Noninterest income to average assets | 4.8275% | 123 |
| Noninterest expense to average assets | 5.1249% | 168 |
| Loan and lease loss provision to assets | 0.7889% | 62 |
| Net operating income to assets | 2.8167% | 178 |
| Return on assets (ROA) | 2.8167% | 202 |
| Pretax return on assets | 2.8167% | 297 |
| Return on Equity (ROE) | 27.6762% | 188 |
| Retained earnings to average equity (ytd only) | 17.2007% | 409 |
| Net charge-offs to loans | 0.6860% | 115 |
| Credit loss provision to net charge-offs | 141.7625% | 1,002 |
| Earnings coverage of net charge-offs (x) | 6.4789% | 1,646 |
| Efficiency ratio | 58.7007% | 3,199 |
| Assets per employee ($millions) | 3.6960% | 4,623 |
| Cash dividends to net income (ytd only)* | 37.8501% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6956% | 200 |
| Loan loss allowance to noncurrent loans | 129.3603% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.7999% | 309 |
| Noncurrent loans to loans | 2.0838% | 497 |
| Net loans and leases to total assets | 78.6068% | 428 |
| Net loans and leases to deposits | 88.8731% | 773 |
| Net loans and leases to core deposits | 109.7006% | 416 |
| Total domestic deposits to total assets | 88.4483% | 1,635 |
| Equity capital to assets | 10.4493% | 2,315 |
| Core capital (leverage) ratio | 10.3461% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3710% | 1,785 |
| Memoranda: | ||
| Average total assets | $375,186,500 | 2,080 |
| Average earning assets | $358,548,000 | 2,047 |
| Average equity | $38,184,500 | 2,155 |
| Average total loans | $304,382,000 | 1,724 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1870% | 74 |
| Cost of funding earning assets | 1.8835% | 15 |
| Net interest margin | 4.3035% | 507 |
| Noninterest income to average assets | 3.0627% | 185 |
| Noninterest expense to average assets | 4.2515% | 299 |
| Loan and lease loss provision to assets | 1.3199% | 51 |
| Net operating income to assets | 1.6098% | 623 |
| Return on assets (ROA) | 1.6098% | 680 |
| Pretax return on assets | 1.6098% | 1,055 |
| Return on Equity (ROE) | 17.0498% | 408 |
| Retained earnings to average equity (ytd only) | 17.0498% | 104 |
| Net charge-offs to loans | 0.5287% | 296 |
| Credit loss provision to net charge-offs | 288.1098% | 1,782 |
| Earnings coverage of net charge-offs (x) | 6.3951% | 2,785 |
| Efficiency ratio | 59.2034% | 3,567 |
| Assets per employee ($millions) | 3.6257% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5752% | 237 |
| Loan loss allowance to noncurrent loans | 129.0960% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.7267% | 372 |
| Noncurrent loans to loans | 1.9948% | 580 |
| Net loans and leases to total assets | 79.3705% | 469 |
| Net loans and leases to deposits | 89.0206% | 1,003 |
| Net loans and leases to core deposits | 109.0561% | 542 |
| Total domestic deposits to total assets | 89.1598% | 915 |
| Equity capital to assets | 9.9083% | 3,212 |
| Core capital (leverage) ratio | 9.9909% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3954% | 2,086 |
| Memoranda: | ||
| Average total assets | $357,989,400 | 2,011 |
| Average earning assets | $342,606,400 | 1,970 |
| Average equity | $33,801,000 | 2,299 |
| Average total loans | $310,194,800 | 1,649 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3006% | 77 |
| Cost of funding earning assets | 1.9364% | 19 |
| Net interest margin | 4.3642% | 506 |
| Noninterest income to average assets | 2.5653% | 229 |
| Noninterest expense to average assets | 4.2330% | 312 |
| Loan and lease loss provision to assets | 1.3779% | 69 |
| Net operating income to assets | 1.1324% | 1,869 |
| Return on assets (ROA) | 1.1324% | 1,994 |
| Pretax return on assets | 1.1324% | 2,632 |
| Return on Equity (ROE) | 12.1538% | 1,327 |
| Retained earnings to average equity (ytd only) | 12.1538% | 405 |
| Net charge-offs to loans | 0.5793% | 254 |
| Credit loss provision to net charge-offs | 270.1702% | 1,855 |
| Earnings coverage of net charge-offs (x) | 4.9223% | 2,778 |
| Efficiency ratio | 62.7743% | 2,948 |
| Assets per employee ($millions) | 3.5591% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1702% | 366 |
| Loan loss allowance to noncurrent loans | 214.6731% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 1,098 |
| Noncurrent loans to loans | 1.0109% | 1,475 |
| Net loans and leases to total assets | 86.7734% | 115 |
| Net loans and leases to deposits | 97.4857% | 659 |
| Net loans and leases to core deposits | 119.6118% | 422 |
| Total domestic deposits to total assets | 89.0114% | 764 |
| Equity capital to assets | 9.3471% | 3,825 |
| Core capital (leverage) ratio | 9.7003% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9161% | 2,647 |
| Memoranda: | ||
| Average total assets | $353,217,500 | 2,017 |
| Average earning assets | $338,139,250 | 1,963 |
| Average equity | $32,910,750 | 2,329 |
| Average total loans | $310,943,750 | 1,639 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3708% | 96 |
| Cost of funding earning assets | 2.0199% | 20 |
| Net interest margin | 4.3509% | 675 |
| Noninterest income to average assets | 1.8546% | 323 |
| Noninterest expense to average assets | 4.2489% | 314 |
| Loan and lease loss provision to assets | 1.1508% | 153 |
| Net operating income to assets | 0.6232% | 3,662 |
| Return on assets (ROA) | 0.6232% | 3,740 |
| Pretax return on assets | 0.6232% | 4,014 |
| Return on Equity (ROE) | 6.6959% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.6959% | 1,778 |
| Net charge-offs to loans | 0.6757% | 234 |
| Credit loss provision to net charge-offs | 193.9864% | 1,947 |
| Earnings coverage of net charge-offs (x) | 2.9903% | 2,720 |
| Efficiency ratio | 70.5455% | 1,877 |
| Assets per employee ($millions) | 3.4944% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8527% | 588 |
| Loan loss allowance to noncurrent loans | 147.1186% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2185% | 889 |
| Noncurrent loans to loans | 1.2594% | 1,237 |
| Net loans and leases to total assets | 87.8495% | 64 |
| Net loans and leases to deposits | 98.6674% | 621 |
| Net loans and leases to core deposits | 117.6892% | 482 |
| Total domestic deposits to total assets | 89.0360% | 727 |
| Equity capital to assets | 9.3515% | 3,780 |
| Core capital (leverage) ratio | 9.4335% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5954% | 2,775 |
| Memoranda: | ||
| Average total assets | $347,574,000 | 2,017 |
| Average earning assets | $332,985,667 | 1,968 |
| Average equity | $32,348,333 | 2,345 |
| Average total loans | $305,153,333 | 1,648 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5143% | 85 |
| Cost of funding earning assets | 2.1297% | 16 |
| Net interest margin | 4.3846% | 647 |
| Noninterest income to average assets | 1.7182% | 316 |
| Noninterest expense to average assets | 4.5327% | 294 |
| Loan and lease loss provision to assets | 1.1539% | 169 |
| Net operating income to assets | 0.2366% | 4,470 |
| Return on assets (ROA) | 0.2366% | 4,490 |
| Pretax return on assets | 0.2366% | 4,530 |
| Return on Equity (ROE) | 2.5479% | 4,330 |
| Retained earnings to average equity (ytd only) | 2.5479% | 3,250 |
| Net charge-offs to loans | 0.6345% | 233 |
| Credit loss provision to net charge-offs | 209.2050% | 1,392 |
| Earnings coverage of net charge-offs (x) | 2.5209% | 2,280 |
| Efficiency ratio | 76.5244% | 1,509 |
| Assets per employee ($millions) | 2.5902% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7506% | 784 |
| Loan loss allowance to noncurrent loans | 106.9186% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.5333% | 687 |
| Noncurrent loans to loans | 1.6374% | 941 |
| Net loans and leases to total assets | 86.4569% | 120 |
| Net loans and leases to deposits | 98.0930% | 702 |
| Net loans and leases to core deposits | 110.5388% | 830 |
| Total domestic deposits to total assets | 88.1377% | 1,048 |
| Equity capital to assets | 9.1567% | 4,501 |
| Core capital (leverage) ratio | 9.1617% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4267% | 2,957 |
| Memoranda: | ||
| Average total assets | $346,639,500 | 1,974 |
| Average earning assets | $332,439,000 | 1,924 |
| Average equity | $32,183,500 | 2,345 |
| Average total loans | $301,340,500 | 1,643 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7488% | 82 |
| Cost of funding earning assets | 2.1234% | 32 |
| Net interest margin | 4.6254% | 542 |
| Noninterest income to average assets | 2.4556% | 207 |
| Noninterest expense to average assets | 4.7268% | 256 |
| Loan and lease loss provision to assets | 0.7488% | 144 |
| Net operating income to assets | 1.4214% | 1,269 |
| Return on assets (ROA) | 1.4214% | 1,346 |
| Pretax return on assets | 1.4214% | 2,081 |
| Return on Equity (ROE) | 15.5753% | 595 |
| Retained earnings to average equity (ytd only) | 15.5753% | 80 |
| Net charge-offs to loans | 0.5220% | 355 |
| Credit loss provision to net charge-offs | 160.8322% | 1,602 |
| Earnings coverage of net charge-offs (x) | 4.6612% | 3,185 |
| Efficiency ratio | 68.5335% | 2,383 |
| Assets per employee ($millions) | 2.6427% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 931 |
| Loan loss allowance to noncurrent loans | 108.2548% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.3626% | 779 |
| Noncurrent loans to loans | 1.4997% | 963 |
| Net loans and leases to total assets | 84.4697% | 280 |
| Net loans and leases to deposits | 94.0046% | 1,149 |
| Net loans and leases to core deposits | 108.3361% | 954 |
| Total domestic deposits to total assets | 89.8570% | 367 |
| Equity capital to assets | 9.4125% | 4,417 |
| Core capital (leverage) ratio | 9.6674% | 3,882 |
| Tier 1 risk-based capital ratio | 11.8660% | 4,440 |
| Total risk-based capital ratio | 13.1242% | 4,304 |
| Memoranda: | ||
| Average total assets | $325,169,200 | 2,007 |
| Average earning assets | $312,233,600 | 1,955 |
| Average equity | $29,675,200 | 2,414 |
| Average total loans | $290,025,200 | 1,646 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7818% | 82 |
| Cost of funding earning assets | 2.1139% | 40 |
| Net interest margin | 4.6679% | 529 |
| Noninterest income to average assets | 1.8775% | 294 |
| Noninterest expense to average assets | 4.7416% | 255 |
| Loan and lease loss provision to assets | 0.7231% | 146 |
| Net operating income to assets | 0.8948% | 3,365 |
| Return on assets (ROA) | 0.8948% | 3,440 |
| Pretax return on assets | 0.8948% | 3,885 |
| Return on Equity (ROE) | 9.8889% | 2,481 |
| Retained earnings to average equity (ytd only) | 9.8889% | 781 |
| Net charge-offs to loans | 0.4820% | 353 |
| Credit loss provision to net charge-offs | 166.5067% | 1,512 |
| Earnings coverage of net charge-offs (x) | 3.7255% | 3,078 |
| Efficiency ratio | 74.5593% | 1,484 |
| Assets per employee ($millions) | 2.6821% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,328 |
| Loan loss allowance to noncurrent loans | 125.5528% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 1,113 |
| Noncurrent loans to loans | 1.1726% | 1,348 |
| Net loans and leases to total assets | 88.9589% | 67 |
| Net loans and leases to deposits | 104.8396% | 368 |
| Net loans and leases to core deposits | 120.6468% | 515 |
| Total domestic deposits to total assets | 84.8524% | 2,475 |
| Equity capital to assets | 8.7020% | 4,926 |
| Core capital (leverage) ratio | 9.0159% | 4,624 |
| Tier 1 risk-based capital ratio | 10.5644% | 5,059 |
| Total risk-based capital ratio | 11.8209% | 4,986 |
| Memoranda: | ||
| Average total assets | $319,914,500 | 2,050 |
| Average earning assets | $307,165,250 | 1,992 |
| Average equity | $28,947,750 | 2,464 |
| Average total loans | $288,219,000 | 1,664 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7673% | 86 |
| Cost of funding earning assets | 2.0776% | 42 |
| Net interest margin | 4.6897% | 501 |
| Noninterest income to average assets | 1.8919% | 289 |
| Noninterest expense to average assets | 4.8190% | 242 |
| Loan and lease loss provision to assets | 0.8418% | 116 |
| Net operating income to assets | 0.7307% | 3,893 |
| Return on assets (ROA) | 0.7307% | 3,955 |
| Pretax return on assets | 0.7307% | 4,257 |
| Return on Equity (ROE) | 7.9619% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.9619% | 1,417 |
| Net charge-offs to loans | 0.4876% | 321 |
| Credit loss provision to net charge-offs | 191.8009% | 1,257 |
| Earnings coverage of net charge-offs (x) | 3.5827% | 2,828 |
| Efficiency ratio | 75.3971% | 1,473 |
| Assets per employee ($millions) | 2.3929% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,223 |
| Loan loss allowance to noncurrent loans | 148.1203% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 1,413 |
| Noncurrent loans to loans | 1.0232% | 1,600 |
| Net loans and leases to total assets | 89.1664% | 76 |
| Net loans and leases to deposits | 107.1406% | 300 |
| Net loans and leases to core deposits | 120.8012% | 521 |
| Total domestic deposits to total assets | 83.2237% | 3,139 |
| Equity capital to assets | 8.8113% | 4,898 |
| Core capital (leverage) ratio | 9.2149% | 4,440 |
| Tier 1 risk-based capital ratio | 10.7866% | 4,998 |
| Total risk-based capital ratio | 12.0443% | 4,907 |
| Memoranda: | ||
| Average total assets | $311,223,330 | 2,108 |
| Average earning assets | $298,613,670 | 2,046 |
| Average equity | $28,561,000 | 2,479 |
| Average total loans | $280,163,330 | 1,710 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7802% | 84 |
| Cost of funding earning assets | 2.0294% | 48 |
| Net interest margin | 4.7509% | 444 |
| Noninterest income to average assets | 1.6863% | 316 |
| Noninterest expense to average assets | 5.0112% | 205 |
| Loan and lease loss provision to assets | 0.8219% | 114 |
| Net operating income to assets | 0.4030% | 4,727 |
| Return on assets (ROA) | 0.4030% | 4,739 |
| Pretax return on assets | 0.4030% | 4,836 |
| Return on Equity (ROE) | 4.2979% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.2979% | 3,203 |
| Net charge-offs to loans | 0.5392% | 275 |
| Credit loss provision to net charge-offs | 169.8630% | 1,154 |
| Earnings coverage of net charge-offs (x) | 2.5315% | 2,484 |
| Efficiency ratio | 80.3571% | 1,023 |
| Assets per employee ($millions) | 2.2496% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 1,235 |
| Loan loss allowance to noncurrent loans | 108.5051% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.3482% | 944 |
| Noncurrent loans to loans | 1.4116% | 1,146 |
| Net loans and leases to total assets | 88.6987% | 75 |
| Net loans and leases to deposits | 104.8805% | 365 |
| Net loans and leases to core deposits | 118.4501% | 569 |
| Total domestic deposits to total assets | 84.5712% | 2,828 |
| Equity capital to assets | 9.3720% | 4,363 |
| Core capital (leverage) ratio | 9.2993% | 4,363 |
| Tier 1 risk-based capital ratio | 11.4666% | 4,762 |
| Total risk-based capital ratio | 12.7246% | 4,651 |
| Memoranda: | ||
| Average total assets | $301,724,000 | 2,193 |
| Average earning assets | $288,958,500 | 2,119 |
| Average equity | $28,293,000 | 2,503 |
| Average total loans | $270,756,000 | 1,758 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5841% | 83 |
| Cost of funding earning assets | 1.7019% | 43 |
| Net interest margin | 4.8822% | 331 |
| Noninterest income to average assets | 2.1182% | 249 |
| Noninterest expense to average assets | 5.3746% | 161 |
| Loan and lease loss provision to assets | 0.4655% | 270 |
| Net operating income to assets | 0.9488% | 3,237 |
| Return on assets (ROA) | 0.9488% | 3,234 |
| Pretax return on assets | 0.9488% | 3,764 |
| Return on Equity (ROE) | 9.6761% | 2,651 |
| Retained earnings to average equity (ytd only) | 9.6761% | 688 |
| Net charge-offs to loans | 0.3455% | 549 |
| Credit loss provision to net charge-offs | 151.3083% | 1,820 |
| Earnings coverage of net charge-offs (x) | 4.5973% | 3,279 |
| Efficiency ratio | 79.1669% | 1,026 |
| Assets per employee ($millions) | 2.3231% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 1,463 |
| Loan loss allowance to noncurrent loans | 93.8476% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4500% | 815 |
| Noncurrent loans to loans | 1.5412% | 977 |
| Net loans and leases to total assets | 88.1019% | 115 |
| Net loans and leases to deposits | 104.9867% | 423 |
| Net loans and leases to core deposits | 112.9491% | 835 |
| Total domestic deposits to total assets | 83.9172% | 3,023 |
| Equity capital to assets | 9.3823% | 4,237 |
| Core capital (leverage) ratio | 9.4239% | 4,205 |
| Tier 1 risk-based capital ratio | 11.5190% | 4,717 |
| Total risk-based capital ratio | 12.7756% | 4,616 |
| Memoranda: | ||
| Average total assets | $285,714,600 | 2,230 |
| Average earning assets | $273,339,600 | 2,172 |
| Average equity | $28,017,600 | 2,459 |
| Average total loans | $254,438,000 | 1,802 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5524% | 81 |
| Cost of funding earning assets | 1.5936% | 45 |
| Net interest margin | 4.9588% | 279 |
| Noninterest income to average assets | 2.0716% | 261 |
| Noninterest expense to average assets | 5.5199% | 154 |
| Loan and lease loss provision to assets | 0.3693% | 358 |
| Net operating income to assets | 0.9260% | 3,404 |
| Return on assets (ROA) | 0.9260% | 3,414 |
| Pretax return on assets | 0.9260% | 3,933 |
| Return on Equity (ROE) | 9.3346% | 2,940 |
| Retained earnings to average equity (ytd only) | 9.3346% | 1,101 |
| Net charge-offs to loans | 0.2336% | 732 |
| Credit loss provision to net charge-offs | 177.6765% | 1,516 |
| Earnings coverage of net charge-offs (x) | 6.2323% | 2,900 |
| Efficiency ratio | 80.9947% | 861 |
| Assets per employee ($millions) | 2.2122% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 1,574 |
| Loan loss allowance to noncurrent loans | 119.8673% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.2025% | 1,160 |
| Noncurrent loans to loans | 1.1972% | 1,413 |
| Net loans and leases to total assets | 88.5912% | 122 |
| Net loans and leases to deposits | 104.3838% | 528 |
| Net loans and leases to core deposits | 110.9611% | 978 |
| Total domestic deposits to total assets | 84.8706% | 2,655 |
| Equity capital to assets | 9.3709% | 4,209 |
| Core capital (leverage) ratio | 9.5785% | 4,085 |
| Tier 1 risk-based capital ratio | 11.4667% | 4,806 |
| Total risk-based capital ratio | 12.7248% | 4,687 |
| Memoranda: | ||
| Average total assets | $281,641,750 | 2,269 |
| Average earning assets | $269,411,000 | 2,216 |
| Average equity | $27,938,250 | 2,462 |
| Average total loans | $250,553,000 | 1,823 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3309% | 92 |
| Cost of funding earning assets | 1.4840% | 56 |
| Net interest margin | 4.8469% | 339 |
| Noninterest income to average assets | 2.2599% | 234 |
| Noninterest expense to average assets | 5.7885% | 150 |
| Loan and lease loss provision to assets | 0.3460% | 382 |
| Net operating income to assets | 0.7612% | 3,989 |
| Return on assets (ROA) | 0.7612% | 3,994 |
| Pretax return on assets | 0.7612% | 4,363 |
| Return on Equity (ROE) | 7.5266% | 3,709 |
| Retained earnings to average equity (ytd only) | 7.5266% | 1,835 |
| Net charge-offs to loans | 0.2245% | 712 |
| Credit loss provision to net charge-offs | 173.9130% | 1,433 |
| Earnings coverage of net charge-offs (x) | 5.5652% | 2,697 |
| Efficiency ratio | 83.9431% | 690 |
| Assets per employee ($millions) | 2.1837% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 1,717 |
| Loan loss allowance to noncurrent loans | 115.9429% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 1,221 |
| Noncurrent loans to loans | 1.2157% | 1,428 |
| Net loans and leases to total assets | 88.1003% | 130 |
| Net loans and leases to deposits | 109.5227% | 296 |
| Net loans and leases to core deposits | 112.7451% | 851 |
| Total domestic deposits to total assets | 80.4402% | 4,149 |
| Equity capital to assets | 9.3917% | 4,195 |
| Core capital (leverage) ratio | 9.5838% | 4,016 |
| Tier 1 risk-based capital ratio | 11.9238% | 4,544 |
| Total risk-based capital ratio | 13.1822% | 4,418 |
| Memoranda: | ||
| Average total assets | $277,446,000 | 2,302 |
| Average earning assets | $265,367,000 | 2,247 |
| Average equity | $28,060,330 | 2,473 |
| Average total loans | $245,918,670 | 1,860 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1911% | 105 |
| Cost of funding earning assets | 1.3497% | 70 |
| Net interest margin | 4.8414% | 316 |
| Noninterest income to average assets | 2.1155% | 255 |
| Noninterest expense to average assets | 6.0763% | 139 |
| Loan and lease loss provision to assets | 0.2953% | 442 |
| Net operating income to assets | 0.3720% | 4,981 |
| Return on assets (ROA) | 0.3720% | 4,987 |
| Pretax return on assets | 0.3720% | 5,068 |
| Return on Equity (ROE) | 3.5427% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.5427% | 3,789 |
| Net charge-offs to loans | 0.1623% | 872 |
| Credit loss provision to net charge-offs | 206.1856% | 1,028 |
| Earnings coverage of net charge-offs (x) | 4.6598% | 2,280 |
| Efficiency ratio | 90.1051% | 440 |
| Assets per employee ($millions) | 2.1844% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,671 |
| Loan loss allowance to noncurrent loans | 101.8614% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.3903% | 1,049 |
| Noncurrent loans to loans | 1.4214% | 1,248 |
| Net loans and leases to total assets | 87.2786% | 178 |
| Net loans and leases to deposits | 105.1369% | 425 |
| Net loans and leases to core deposits | 109.1175% | 1,055 |
| Total domestic deposits to total assets | 83.0143% | 3,659 |
| Equity capital to assets | 9.5427% | 4,052 |
| Core capital (leverage) ratio | 9.9002% | 3,649 |
| Tier 1 risk-based capital ratio | 12.0079% | 4,540 |
| Total risk-based capital ratio | 13.2665% | 4,429 |
| Memoranda: | ||
| Average total assets | $270,955,500 | 2,363 |
| Average earning assets | $259,017,000 | 2,300 |
| Average equity | $28,452,500 | 2,469 |
| Average total loans | $239,115,500 | 1,903 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4145% | 81 |
| Cost of funding earning assets | 1.3280% | 45 |
| Net interest margin | 5.0865% | 201 |
| Noninterest income to average assets | 2.8948% | 184 |
| Noninterest expense to average assets | 5.5901% | 164 |
| Loan and lease loss provision to assets | 0.5618% | 229 |
| Net operating income to assets | 1.6056% | 646 |
| Return on assets (ROA) | 1.6056% | 660 |
| Pretax return on assets | 1.6056% | 1,273 |
| Return on Equity (ROE) | 16.0238% | 479 |
| Retained earnings to average equity (ytd only) | 16.0238% | 67 |
| Net charge-offs to loans | 0.3759% | 674 |
| Credit loss provision to net charge-offs | 171.4922% | 1,576 |
| Earnings coverage of net charge-offs (x) | 6.6158% | 3,163 |
| Efficiency ratio | 72.0608% | 2,215 |
| Assets per employee ($millions) | 2.0826% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 1,459 |
| Loan loss allowance to noncurrent loans | 119.0690% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 1,174 |
| Noncurrent loans to loans | 1.2470% | 1,417 |
| Net loans and leases to total assets | 86.6164% | 213 |
| Net loans and leases to deposits | 98.8471% | 832 |
| Net loans and leases to core deposits | 102.3097% | 1,539 |
| Total domestic deposits to total assets | 87.6267% | 1,687 |
| Equity capital to assets | 11.5057% | 2,198 |
| Core capital (leverage) ratio | 10.7615% | 2,577 |
| Tier 1 risk-based capital ratio | 14.7434% | 2,966 |
| Total risk-based capital ratio | 16.0031% | 2,896 |
| Memoranda: | ||
| Average total assets | $274,109,800 | 2,323 |
| Average earning assets | $262,046,800 | 2,267 |
| Average equity | $27,465,400 | 2,519 |
| Average total loans | $238,917,600 | 1,879 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2912% | 94 |
| Cost of funding earning assets | 1.2898% | 47 |
| Net interest margin | 5.0014% | 231 |
| Noninterest income to average assets | 2.1153% | 288 |
| Noninterest expense to average assets | 5.4390% | 182 |
| Loan and lease loss provision to assets | 0.5256% | 213 |
| Net operating income to assets | 0.9316% | 2,875 |
| Return on assets (ROA) | 0.9316% | 2,933 |
| Pretax return on assets | 0.9316% | 3,927 |
| Return on Equity (ROE) | 9.6391% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.6391% | 666 |
| Net charge-offs to loans | 0.3736% | 562 |
| Credit loss provision to net charge-offs | 161.7211% | 1,587 |
| Earnings coverage of net charge-offs (x) | 4.4837% | 3,216 |
| Efficiency ratio | 78.8701% | 1,230 |
| Assets per employee ($millions) | 2.2974% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,631 |
| Loan loss allowance to noncurrent loans | 107.1002% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.2671% | 1,280 |
| Noncurrent loans to loans | 1.1686% | 1,647 |
| Net loans and leases to total assets | 87.2894% | 184 |
| Net loans and leases to deposits | 105.5616% | 435 |
| Net loans and leases to core deposits | 109.5384% | 1,054 |
| Total domestic deposits to total assets | 82.6905% | 3,551 |
| Equity capital to assets | 9.5882% | 4,355 |
| Core capital (leverage) ratio | 9.3945% | 4,301 |
| Tier 1 risk-based capital ratio | 12.0576% | 4,567 |
| Total risk-based capital ratio | 13.3136% | 4,460 |
| Memoranda: | ||
| Average total assets | $276,513,250 | 2,320 |
| Average earning assets | $264,319,750 | 2,269 |
| Average equity | $26,723,750 | 2,582 |
| Average total loans | $240,509,500 | 1,890 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1202% | 110 |
| Cost of funding earning assets | 1.2281% | 53 |
| Net interest margin | 4.8922% | 266 |
| Noninterest income to average assets | 1.6623% | 412 |
| Noninterest expense to average assets | 5.3797% | 188 |
| Loan and lease loss provision to assets | 0.4863% | 245 |
| Net operating income to assets | 0.4694% | 4,794 |
| Return on assets (ROA) | 0.4694% | 4,819 |
| Pretax return on assets | 0.4694% | 5,054 |
| Return on Equity (ROE) | 4.8429% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.8429% | 2,813 |
| Net charge-offs to loans | 0.2659% | 768 |
| Credit loss provision to net charge-offs | 211.5385% | 1,221 |
| Earnings coverage of net charge-offs (x) | 4.1571% | 2,973 |
| Efficiency ratio | 84.9151% | 770 |
| Assets per employee ($millions) | 2.2465% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,953 |
| Loan loss allowance to noncurrent loans | 113.8329% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 1,535 |
| Noncurrent loans to loans | 1.0636% | 1,843 |
| Net loans and leases to total assets | 86.9526% | 211 |
| Net loans and leases to deposits | 106.1793% | 390 |
| Net loans and leases to core deposits | 109.9034% | 1,008 |
| Total domestic deposits to total assets | 81.8923% | 3,916 |
| Equity capital to assets | 8.9950% | 4,909 |
| Core capital (leverage) ratio | 9.7304% | 3,862 |
| Tier 1 risk-based capital ratio | 11.5695% | 4,912 |
| Total risk-based capital ratio | 12.8254% | 4,798 |
| Memoranda: | ||
| Average total assets | $271,429,330 | 2,363 |
| Average earning assets | $259,270,670 | 2,304 |
| Average equity | $26,306,670 | 2,609 |
| Average total loans | $234,710,000 | 1,924 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0989% | 109 |
| Cost of funding earning assets | 1.2117% | 53 |
| Net interest margin | 4.8872% | 266 |
| Noninterest income to average assets | 1.7306% | 386 |
| Noninterest expense to average assets | 5.6476% | 179 |
| Loan and lease loss provision to assets | 0.4635% | 225 |
| Net operating income to assets | 0.2812% | 5,243 |
| Return on assets (ROA) | 0.2812% | 5,256 |
| Pretax return on assets | 0.2812% | 5,339 |
| Return on Equity (ROE) | 2.7868% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.7868% | 4,014 |
| Net charge-offs to loans | 0.3051% | 607 |
| Credit loss provision to net charge-offs | 177.5148% | 1,098 |
| Earnings coverage of net charge-offs (x) | 2.8521% | 2,544 |
| Efficiency ratio | 88.3490% | 643 |
| Assets per employee ($millions) | 2.1075% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 2,519 |
| Loan loss allowance to noncurrent loans | 105.6732% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.2891% | 1,318 |
| Noncurrent loans to loans | 1.2336% | 1,639 |
| Net loans and leases to total assets | 83.9076% | 374 |
| Net loans and leases to deposits | 97.0655% | 844 |
| Net loans and leases to core deposits | 100.4250% | 1,474 |
| Total domestic deposits to total assets | 86.4443% | 2,470 |
| Equity capital to assets | 9.8726% | 3,905 |
| Core capital (leverage) ratio | 10.3435% | 3,070 |
| Tier 1 risk-based capital ratio | 12.5794% | 4,340 |
| Total risk-based capital ratio | 13.8362% | 4,244 |
| Memoranda: | ||
| Average total assets | $258,873,000 | 2,471 |
| Average earning assets | $246,930,500 | 2,420 |
| Average equity | $26,123,000 | 2,630 |
| Average total loans | $221,559,500 | 2,014 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3060% | 83 |
| Cost of funding earning assets | 1.2159% | 50 |
| Net interest margin | 5.0901% | 215 |
| Noninterest income to average assets | 2.1235% | 318 |
| Noninterest expense to average assets | 5.4967% | 209 |
| Loan and lease loss provision to assets | 0.4080% | 376 |
| Net operating income to assets | 1.0704% | 2,033 |
| Return on assets (ROA) | 1.0704% | 2,140 |
| Pretax return on assets | 1.0704% | 3,212 |
| Return on Equity (ROE) | 10.2930% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.2930% | 373 |
| Net charge-offs to loans | 0.4427% | 571 |
| Credit loss provision to net charge-offs | 107.4033% | 2,435 |
| Earnings coverage of net charge-offs (x) | 3.8917% | 3,594 |
| Efficiency ratio | 78.8048% | 1,576 |
| Assets per employee ($millions) | 2.1017% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,580 |
| Loan loss allowance to noncurrent loans | 97.8087% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.4441% | 1,175 |
| Noncurrent loans to loans | 1.3227% | 1,556 |
| Net loans and leases to total assets | 85.0716% | 298 |
| Net loans and leases to deposits | 99.4761% | 704 |
| Net loans and leases to core deposits | 103.1470% | 1,347 |
| Total domestic deposits to total assets | 85.5197% | 2,822 |
| Equity capital to assets | 10.3210% | 3,364 |
| Core capital (leverage) ratio | 10.3504% | 3,050 |
| Tier 1 risk-based capital ratio | 13.0863% | 4,009 |
| Total risk-based capital ratio | 14.3436% | 3,922 |
| Memoranda: | ||
| Average total assets | $238,234,600 | 2,597 |
| Average earning assets | $227,067,800 | 2,538 |
| Average equity | $24,774,200 | 2,742 |
| Average total loans | $204,446,600 | 2,084 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4238% | 74 |
| Cost of funding earning assets | 1.2071% | 51 |
| Net interest margin | 5.2167% | 165 |
| Noninterest income to average assets | 1.7755% | 411 |
| Noninterest expense to average assets | 5.5236% | 204 |
| Loan and lease loss provision to assets | 0.3465% | 461 |
| Net operating income to assets | 0.8758% | 3,028 |
| Return on assets (ROA) | 0.8758% | 3,155 |
| Pretax return on assets | 0.8758% | 4,062 |
| Return on Equity (ROE) | 8.4053% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.4053% | 1,018 |
| Net charge-offs to loans | 0.3770% | 584 |
| Credit loss provision to net charge-offs | 107.2056% | 2,251 |
| Earnings coverage of net charge-offs (x) | 3.7821% | 3,360 |
| Efficiency ratio | 81.8809% | 1,207 |
| Assets per employee ($millions) | 2.4585% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,735 |
| Loan loss allowance to noncurrent loans | 76.7070% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.7965% | 916 |
| Noncurrent loans to loans | 1.6836% | 1,251 |
| Net loans and leases to total assets | 85.7579% | 267 |
| Net loans and leases to deposits | 97.8819% | 866 |
| Net loans and leases to core deposits | 101.3054% | 1,531 |
| Total domestic deposits to total assets | 87.6136% | 1,608 |
| Equity capital to assets | 10.2069% | 3,904 |
| Core capital (leverage) ratio | 10.3059% | 3,221 |
| Tier 1 risk-based capital ratio | 13.0200% | 4,147 |
| Total risk-based capital ratio | 14.2776% | 4,058 |
| Memoranda: | ||
| Average total assets | $234,742,250 | 2,632 |
| Average earning assets | $223,662,250 | 2,566 |
| Average equity | $24,460,250 | 2,780 |
| Average total loans | $201,216,750 | 2,114 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5031% | 75 |
| Cost of funding earning assets | 1.2033% | 52 |
| Net interest margin | 5.2998% | 148 |
| Noninterest income to average assets | 1.6202% | 471 |
| Noninterest expense to average assets | 5.6955% | 195 |
| Loan and lease loss provision to assets | 0.2606% | 723 |
| Net operating income to assets | 0.7072% | 3,752 |
| Return on assets (ROA) | 0.7072% | 3,905 |
| Pretax return on assets | 0.7072% | 4,597 |
| Return on Equity (ROE) | 6.7369% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.7369% | 1,745 |
| Net charge-offs to loans | 0.3249% | 725 |
| Credit loss provision to net charge-offs | 94.0439% | 2,197 |
| Earnings coverage of net charge-offs (x) | 3.4922% | 3,101 |
| Efficiency ratio | 85.4759% | 926 |
| Assets per employee ($millions) | 2.2685% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 2,686 |
| Loan loss allowance to noncurrent loans | 80.6032% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.5982% | 1,158 |
| Noncurrent loans to loans | 1.6354% | 1,308 |
| Net loans and leases to total assets | 84.8681% | 346 |
| Net loans and leases to deposits | 97.9341% | 897 |
| Net loans and leases to core deposits | 101.7932% | 1,488 |
| Total domestic deposits to total assets | 86.6583% | 2,079 |
| Equity capital to assets | 10.2406% | 3,923 |
| Core capital (leverage) ratio | 10.5627% | 2,891 |
| Tier 1 risk-based capital ratio | 13.0723% | 4,163 |
| Total risk-based capital ratio | 14.3303% | 4,073 |
| Memoranda: | ||
| Average total assets | $230,218,670 | 2,677 |
| Average earning assets | $219,065,330 | 2,624 |
| Average equity | $24,165,330 | 2,822 |
| Average total loans | $196,377,670 | 2,155 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7156% | 67 |
| Cost of funding earning assets | 1.2062% | 55 |
| Net interest margin | 5.5094% | 114 |
| Noninterest income to average assets | 1.3434% | 613 |
| Noninterest expense to average assets | 5.7416% | 191 |
| Loan and lease loss provision to assets | 0.3554% | 420 |
| Net operating income to assets | 0.4816% | 4,705 |
| Return on assets (ROA) | 0.4816% | 4,802 |
| Pretax return on assets | 0.4816% | 5,140 |
| Return on Equity (ROE) | 4.5288% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.5288% | 3,220 |
| Net charge-offs to loans | 0.4603% | 488 |
| Credit loss provision to net charge-offs | 90.9091% | 1,758 |
| Earnings coverage of net charge-offs (x) | 2.1409% | 2,725 |
| Efficiency ratio | 87.2771% | 869 |
| Assets per employee ($millions) | 2.1731% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 2,320 |
| Loan loss allowance to noncurrent loans | 91.7817% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.8509% | 987 |
| Noncurrent loans to loans | 1.5501% | 1,506 |
| Net loans and leases to total assets | 83.5477% | 409 |
| Net loans and leases to deposits | 94.4713% | 1,097 |
| Net loans and leases to core deposits | 97.4303% | 1,676 |
| Total domestic deposits to total assets | 88.4371% | 1,384 |
| Equity capital to assets | 10.6589% | 3,302 |
| Core capital (leverage) ratio | 10.7665% | 2,656 |
| Tier 1 risk-based capital ratio | 13.9157% | 3,746 |
| Total risk-based capital ratio | 15.1753% | 3,669 |
| Memoranda: | ||
| Average total assets | $225,095,500 | 2,732 |
| Average earning assets | $213,888,500 | 2,687 |
| Average equity | $23,935,500 | 2,840 |
| Average total loans | $191,164,500 | 2,199 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3786% | 84 |
| Cost of funding earning assets | 1.2478% | 44 |
| Net interest margin | 5.1308% | 202 |
| Noninterest income to average assets | 1.3391% | 673 |
| Noninterest expense to average assets | 5.2708% | 231 |
| Loan and lease loss provision to assets | 0.0924% | 2,459 |
| Net operating income to assets | 0.8495% | 3,117 |
| Return on assets (ROA) | 0.8495% | 3,187 |
| Pretax return on assets | 0.8495% | 4,025 |
| Return on Equity (ROE) | 8.0584% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.0584% | 897 |
| Net charge-offs to loans | 0.3309% | 899 |
| Credit loss provision to net charge-offs | 32.9489% | 3,614 |
| Earnings coverage of net charge-offs (x) | 3.3591% | 3,741 |
| Efficiency ratio | 84.8401% | 1,108 |
| Assets per employee ($millions) | 2.3113% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 2,255 |
| Loan loss allowance to noncurrent loans | 86.6204% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.7423% | 1,098 |
| Noncurrent loans to loans | 1.6610% | 1,373 |
| Net loans and leases to total assets | 83.8754% | 404 |
| Net loans and leases to deposits | 97.1281% | 894 |
| Net loans and leases to core deposits | 100.2613% | 1,483 |
| Total domestic deposits to total assets | 86.3554% | 2,457 |
| Equity capital to assets | 10.6079% | 3,235 |
| Core capital (leverage) ratio | 11.0759% | 2,327 |
| Tier 1 risk-based capital ratio | 13.8790% | 3,782 |
| Total risk-based capital ratio | 15.1391% | 3,706 |
| Memoranda: | ||
| Average total assets | $216,492,600 | 2,778 |
| Average earning assets | $205,641,800 | 2,714 |
| Average equity | $22,821,000 | 2,894 |
| Average total loans | $183,434,400 | 2,205 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3517% | 90 |
| Cost of funding earning assets | 1.2628% | 48 |
| Net interest margin | 5.0890% | 213 |
| Noninterest income to average assets | 1.4659% | 571 |
| Noninterest expense to average assets | 5.3862% | 222 |
| Loan and lease loss provision to assets | 0.1243% | 1,826 |
| Net operating income to assets | 0.7885% | 3,484 |
| Return on assets (ROA) | 0.7885% | 3,572 |
| Pretax return on assets | 0.7885% | 4,370 |
| Return on Equity (ROE) | 7.4929% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.4929% | 1,447 |
| Net charge-offs to loans | 0.3656% | 712 |
| Credit loss provision to net charge-offs | 40.1606% | 3,160 |
| Earnings coverage of net charge-offs (x) | 2.9498% | 3,574 |
| Efficiency ratio | 85.5085% | 1,040 |
| Assets per employee ($millions) | 2.0934% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 1,858 |
| Loan loss allowance to noncurrent loans | 85.7057% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.0238% | 1,006 |
| Noncurrent loans to loans | 1.8422% | 1,274 |
| Net loans and leases to total assets | 84.1457% | 375 |
| Net loans and leases to deposits | 95.6804% | 1,039 |
| Net loans and leases to core deposits | 99.7746% | 1,538 |
| Total domestic deposits to total assets | 87.9445% | 1,596 |
| Equity capital to assets | 10.9856% | 3,043 |
| Core capital (leverage) ratio | 10.9574% | 2,532 |
| Tier 1 risk-based capital ratio | 14.3504% | 3,650 |
| Total risk-based capital ratio | 15.6130% | 3,564 |
| Memoranda: | ||
| Average total assets | $214,567,750 | 2,821 |
| Average earning assets | $203,781,500 | 2,759 |
| Average equity | $22,580,750 | 2,931 |
| Average total loans | $181,596,250 | 2,231 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2720% | 99 |
| Cost of funding earning assets | 1.2493% | 49 |
| Net interest margin | 5.0227% | 235 |
| Noninterest income to average assets | 1.3042% | 716 |
| Noninterest expense to average assets | 5.2566% | 246 |
| Loan and lease loss provision to assets | 0.0928% | 2,269 |
| Net operating income to assets | 0.7244% | 3,768 |
| Return on assets (ROA) | 0.7244% | 3,890 |
| Pretax return on assets | 0.7244% | 4,582 |
| Return on Equity (ROE) | 6.9840% | 3,613 |
| Retained earnings to average equity (ytd only) | 6.9840% | 1,708 |
| Net charge-offs to loans | 0.3717% | 700 |
| Credit loss provision to net charge-offs | 29.5858% | 2,932 |
| Earnings coverage of net charge-offs (x) | 2.6065% | 3,314 |
| Efficiency ratio | 86.5455% | 1,019 |
| Assets per employee ($millions) | 2.0861% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 1,950 |
| Loan loss allowance to noncurrent loans | 80.8995% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.9930% | 1,109 |
| Noncurrent loans to loans | 1.9622% | 1,258 |
| Net loans and leases to total assets | 83.2690% | 441 |
| Net loans and leases to deposits | 94.1064% | 1,142 |
| Net loans and leases to core deposits | 98.1240% | 1,645 |
| Total domestic deposits to total assets | 88.4839% | 1,417 |
| Equity capital to assets | 10.4777% | 3,465 |
| Core capital (leverage) ratio | 10.4861% | 2,982 |
| Tier 1 risk-based capital ratio | 14.0507% | 3,897 |
| Total risk-based capital ratio | 15.3141% | 3,829 |
| Memoranda: | ||
| Average total assets | $215,613,330 | 2,828 |
| Average earning assets | $204,752,330 | 2,760 |
| Average equity | $22,365,330 | 2,963 |
| Average total loans | $181,873,670 | 2,248 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2809% | 97 |
| Cost of funding earning assets | 1.2401% | 52 |
| Net interest margin | 5.0408% | 231 |
| Noninterest income to average assets | 1.2710% | 712 |
| Noninterest expense to average assets | 5.0302% | 286 |
| Loan and lease loss provision to assets | 0.1861% | 1,016 |
| Net operating income to assets | 0.8430% | 3,045 |
| Return on assets (ROA) | 0.8430% | 3,174 |
| Pretax return on assets | 0.8430% | 4,094 |
| Return on Equity (ROE) | 8.1688% | 2,873 |
| Retained earnings to average equity (ytd only) | 8.1688% | 1,504 |
| Net charge-offs to loans | 0.3933% | 622 |
| Credit loss provision to net charge-offs | 56.1798% | 2,042 |
| Earnings coverage of net charge-offs (x) | 3.1067% | 2,653 |
| Efficiency ratio | 83.0160% | 1,490 |
| Assets per employee ($millions) | 2.1338% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 1,752 |
| Loan loss allowance to noncurrent loans | 130.6973% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.4728% | 1,790 |
| Noncurrent loans to loans | 1.2971% | 2,217 |
| Net loans and leases to total assets | 82.7147% | 397 |
| Net loans and leases to deposits | 93.2664% | 1,063 |
| Net loans and leases to core deposits | 96.9115% | 1,555 |
| Total domestic deposits to total assets | 88.6865% | 1,456 |
| Equity capital to assets | 10.4031% | 3,641 |
| Core capital (leverage) ratio | 10.4101% | 3,089 |
| Tier 1 risk-based capital ratio | 14.2844% | 3,834 |
| Total risk-based capital ratio | 15.5500% | 3,753 |
| Memoranda: | ||
| Average total assets | $214,941,500 | 2,855 |
| Average earning assets | $204,175,500 | 2,787 |
| Average equity | $22,182,000 | 3,002 |
| Average total loans | $181,024,500 | 2,268 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5984% | 86 |
| Cost of funding earning assets | 1.2344% | 71 |
| Net interest margin | 5.3640% | 163 |
| Noninterest income to average assets | 1.5098% | 538 |
| Noninterest expense to average assets | 5.6625% | 214 |
| Loan and lease loss provision to assets | 0.1423% | 1,867 |
| Net operating income to assets | 0.7589% | 3,575 |
| Return on assets (ROA) | 0.7589% | 3,679 |
| Pretax return on assets | 0.7589% | 4,406 |
| Return on Equity (ROE) | 7.8178% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.8178% | 1,088 |
| Net charge-offs to loans | 0.6496% | 595 |
| Credit loss provision to net charge-offs | 25.7290% | 3,907 |
| Earnings coverage of net charge-offs (x) | 1.6295% | 4,376 |
| Efficiency ratio | 86.2697% | 1,140 |
| Assets per employee ($millions) | 2.0416% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7442% | 1,669 |
| Loan loss allowance to noncurrent loans | 142.0460% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.2819% | 2,203 |
| Noncurrent loans to loans | 1.2279% | 2,396 |
| Net loans and leases to total assets | 82.8298% | 447 |
| Net loans and leases to deposits | 93.3437% | 1,145 |
| Net loans and leases to core deposits | 97.0009% | 1,633 |
| Total domestic deposits to total assets | 88.7363% | 1,398 |
| Equity capital to assets | 10.2365% | 3,810 |
| Core capital (leverage) ratio | 10.2398% | 3,261 |
| Tier 1 risk-based capital ratio | 14.0398% | 4,059 |
| Total risk-based capital ratio | 15.3061% | 3,977 |
| Memoranda: | ||
| Average total assets | $210,824,600 | 2,870 |
| Average earning assets | $198,639,000 | 2,821 |
| Average equity | $20,466,200 | 3,110 |
| Average total loans | $179,503,200 | 2,232 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4956% | 91 |
| Cost of funding earning assets | 1.2189% | 79 |
| Net interest margin | 5.2768% | 182 |
| Noninterest income to average assets | 1.2257% | 808 |
| Noninterest expense to average assets | 5.6212% | 220 |
| Loan and lease loss provision to assets | 0.1905% | 1,271 |
| Net operating income to assets | 0.3741% | 5,347 |
| Return on assets (ROA) | 0.3741% | 5,424 |
| Pretax return on assets | 0.3741% | 5,638 |
| Return on Equity (ROE) | 3.9076% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.9076% | 3,871 |
| Net charge-offs to loans | 0.6108% | 600 |
| Credit loss provision to net charge-offs | 36.5408% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.0828% | 4,242 |
| Efficiency ratio | 90.8727% | 781 |
| Assets per employee ($millions) | 2.0209% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 1,518 |
| Loan loss allowance to noncurrent loans | 142.5020% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.3347% | 2,316 |
| Noncurrent loans to loans | 1.3152% | 2,454 |
| Net loans and leases to total assets | 84.6715% | 286 |
| Net loans and leases to deposits | 97.1325% | 785 |
| Net loans and leases to core deposits | 100.3129% | 1,339 |
| Total domestic deposits to total assets | 87.1711% | 2,224 |
| Equity capital to assets | 9.6781% | 4,575 |
| Core capital (leverage) ratio | 9.6846% | 4,103 |
| Tier 1 risk-based capital ratio | 12.9984% | 4,867 |
| Total risk-based capital ratio | 14.2659% | 4,780 |
| Memoranda: | ||
| Average total assets | $209,938,000 | 2,902 |
| Average earning assets | $197,337,750 | 2,861 |
| Average equity | $20,096,750 | 3,162 |
| Average total loans | $179,200,250 | 2,248 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4774% | 91 |
| Cost of funding earning assets | 1.2036% | 91 |
| Net interest margin | 5.2738% | 176 |
| Noninterest income to average assets | 1.0624% | 1,054 |
| Noninterest expense to average assets | 5.6553% | 214 |
| Loan and lease loss provision to assets | 0.0481% | 3,348 |
| Net operating income to assets | 0.2964% | 5,575 |
| Return on assets (ROA) | 0.2964% | 5,646 |
| Pretax return on assets | 0.2964% | 5,785 |
| Return on Equity (ROE) | 3.1080% | 5,489 |
| Retained earnings to average equity (ytd only) | 3.1080% | 4,225 |
| Net charge-offs to loans | 0.5715% | 716 |
| Credit loss provision to net charge-offs | 9.9010% | 3,305 |
| Earnings coverage of net charge-offs (x) | 0.7089% | 3,991 |
| Efficiency ratio | 94.2582% | 626 |
| Assets per employee ($millions) | 2.0159% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9521% | 1,455 |
| Loan loss allowance to noncurrent loans | 136.4611% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 2.4058% | 1,196 |
| Noncurrent loans to loans | 1.4305% | 2,414 |
| Net loans and leases to total assets | 83.7475% | 317 |
| Net loans and leases to deposits | 96.7461% | 757 |
| Net loans and leases to core deposits | 100.3916% | 1,249 |
| Total domestic deposits to total assets | 86.5642% | 2,723 |
| Equity capital to assets | 9.6738% | 4,528 |
| Core capital (leverage) ratio | 9.6688% | 4,085 |
| Tier 1 risk-based capital ratio | 13.0851% | 4,866 |
| Total risk-based capital ratio | 14.3537% | 4,781 |
| Memoranda: | ||
| Average total assets | $207,840,330 | 2,942 |
| Average earning assets | $194,583,330 | 2,900 |
| Average equity | $19,820,000 | 3,191 |
| Average total loans | $176,739,330 | 2,271 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3475% | 102 |
| Cost of funding earning assets | 1.1913% | 96 |
| Net interest margin | 5.1562% | 200 |
| Noninterest income to average assets | 0.8999% | 1,394 |
| Noninterest expense to average assets | 5.4540% | 247 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2616% | 5,625 |
| Return on assets (ROA) | 0.2616% | 5,668 |
| Pretax return on assets | 0.2616% | 5,800 |
| Return on Equity (ROE) | 2.7637% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.7637% | 4,429 |
| Net charge-offs to loans | 0.3934% | 927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.7836% | 3,264 |
| Efficiency ratio | 95.4235% | 679 |
| Assets per employee ($millions) | 1.8378% | 6,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1996% | 1,161 |
| Loan loss allowance to noncurrent loans | 131.7015% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 2.6148% | 1,185 |
| Noncurrent loans to loans | 1.6701% | 2,321 |
| Net loans and leases to total assets | 83.1043% | 287 |
| Net loans and leases to deposits | 92.8409% | 888 |
| Net loans and leases to core deposits | 96.8442% | 1,319 |
| Total domestic deposits to total assets | 89.5126% | 1,361 |
| Equity capital to assets | 9.4632% | 4,546 |
| Core capital (leverage) ratio | 9.4668% | 4,330 |
| Tier 1 risk-based capital ratio | 12.8339% | 5,102 |
| Total risk-based capital ratio | 14.1064% | 5,031 |
| Memoranda: | ||
| Average total assets | $204,915,500 | 2,998 |
| Average earning assets | $191,382,500 | 2,957 |
| Average equity | $19,394,000 | 3,240 |
| Average total loans | $173,847,500 | 2,300 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5354% | 96 |
| Cost of funding earning assets | 1.1787% | 198 |
| Net interest margin | 5.3567% | 170 |
| Noninterest income to average assets | 2.4448% | 289 |
| Noninterest expense to average assets | 7.0110% | 146 |
| Loan and lease loss provision to assets | -0.1376% | 6,530 |
| Net operating income to assets | 0.5494% | 4,507 |
| Return on assets (ROA) | 0.5494% | 4,634 |
| Pretax return on assets | 0.5494% | 5,047 |
| Return on Equity (ROE) | 5.8981% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.8981% | 2,040 |
| Net charge-offs to loans | 0.6105% | 1,073 |
| Credit loss provision to net charge-offs | -26.5504% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.7946% | 4,824 |
| Efficiency ratio | 94.4520% | 720 |
| Assets per employee ($millions) | 1.7000% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 1,016 |
| Loan loss allowance to noncurrent loans | 145.8439% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 2.5916% | 1,315 |
| Noncurrent loans to loans | 1.5944% | 2,510 |
| Net loans and leases to total assets | 82.7331% | 345 |
| Net loans and leases to deposits | 92.9722% | 963 |
| Net loans and leases to core deposits | 97.0100% | 1,383 |
| Total domestic deposits to total assets | 88.9869% | 1,639 |
| Equity capital to assets | 9.4655% | 4,477 |
| Core capital (leverage) ratio | 9.4842% | 4,295 |
| Tier 1 risk-based capital ratio | 13.0781% | 4,922 |
| Total risk-based capital ratio | 14.3553% | 4,856 |
| Memoranda: | ||
| Average total assets | $199,114,400 | 3,042 |
| Average earning assets | $185,039,600 | 3,022 |
| Average equity | $18,548,400 | 3,336 |
| Average total loans | $169,034,000 | 2,315 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4688% | 97 |
| Cost of funding earning assets | 1.1683% | 228 |
| Net interest margin | 5.3005% | 188 |
| Noninterest income to average assets | 2.4875% | 295 |
| Noninterest expense to average assets | 7.0548% | 146 |
| Loan and lease loss provision to assets | -0.2183% | 6,732 |
| Net operating income to assets | 0.5693% | 4,478 |
| Return on assets (ROA) | 0.5693% | 4,625 |
| Pretax return on assets | 0.5693% | 5,136 |
| Return on Equity (ROE) | 6.1371% | 4,116 |
| Retained earnings to average equity (ytd only) | 6.1371% | 2,324 |
| Net charge-offs to loans | 0.5719% | 1,103 |
| Credit loss provision to net charge-offs | -44.9376% | 5,700 |
| Earnings coverage of net charge-offs (x) | 0.7226% | 4,611 |
| Efficiency ratio | 95.2602% | 660 |
| Assets per employee ($millions) | 1.7805% | 6,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4848% | 951 |
| Loan loss allowance to noncurrent loans | 117.6891% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 2.1122% | 1,894 |
| Noncurrent loans to loans | 2.1113% | 2,115 |
| Net loans and leases to total assets | 81.9928% | 370 |
| Net loans and leases to deposits | 93.3018% | 879 |
| Net loans and leases to core deposits | 97.2824% | 1,289 |
| Total domestic deposits to total assets | 87.8792% | 2,205 |
| Equity capital to assets | 9.3147% | 4,785 |
| Core capital (leverage) ratio | 9.3280% | 4,654 |
| Tier 1 risk-based capital ratio | 13.0968% | 5,058 |
| Total risk-based capital ratio | 14.3761% | 4,985 |
| Memoranda: | ||
| Average total assets | $197,892,250 | 3,085 |
| Average earning assets | $183,625,750 | 3,061 |
| Average equity | $18,358,000 | 3,393 |
| Average total loans | $168,093,500 | 2,330 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3511% | 112 |
| Cost of funding earning assets | 1.1715% | 237 |
| Net interest margin | 5.1796% | 216 |
| Noninterest income to average assets | 2.4805% | 322 |
| Noninterest expense to average assets | 6.6001% | 168 |
| Loan and lease loss provision to assets | 0.2045% | 1,853 |
| Net operating income to assets | 0.4632% | 4,958 |
| Return on assets (ROA) | 0.4632% | 5,130 |
| Pretax return on assets | 0.4632% | 5,485 |
| Return on Equity (ROE) | 5.0001% | 4,735 |
| Retained earnings to average equity (ytd only) | 5.0001% | 3,055 |
| Net charge-offs to loans | 0.4882% | 1,344 |
| Credit loss provision to net charge-offs | 49.1400% | 3,229 |
| Earnings coverage of net charge-offs (x) | 1.6044% | 3,990 |
| Efficiency ratio | 90.8132% | 997 |
| Assets per employee ($millions) | 1.7920% | 6,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9616% | 606 |
| Loan loss allowance to noncurrent loans | 118.7515% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 3.0438% | 1,331 |
| Noncurrent loans to loans | 2.4939% | 1,860 |
| Net loans and leases to total assets | 85.0550% | 187 |
| Net loans and leases to deposits | 97.3364% | 586 |
| Net loans and leases to core deposits | 100.9045% | 1,017 |
| Total domestic deposits to total assets | 87.3825% | 2,601 |
| Equity capital to assets | 9.4834% | 4,604 |
| Core capital (leverage) ratio | 9.4912% | 4,259 |
| Tier 1 risk-based capital ratio | 12.7785% | 5,299 |
| Total risk-based capital ratio | 14.0603% | 5,210 |
| Memoranda: | ||
| Average total assets | $195,602,000 | 3,128 |
| Average earning assets | $180,787,000 | 3,103 |
| Average equity | $18,119,670 | 3,460 |
| Average total loans | $166,735,000 | 2,345 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2582% | 120 |
| Cost of funding earning assets | 1.1930% | 237 |
| Net interest margin | 5.0652% | 257 |
| Noninterest income to average assets | 2.7612% | 279 |
| Noninterest expense to average assets | 6.7953% | 157 |
| Loan and lease loss provision to assets | 0.4106% | 746 |
| Net operating income to assets | 0.2361% | 5,772 |
| Return on assets (ROA) | 0.2361% | 5,898 |
| Pretax return on assets | 0.2361% | 6,005 |
| Return on Equity (ROE) | 2.5796% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.5796% | 4,731 |
| Net charge-offs to loans | 1.0653% | 567 |
| Credit loss provision to net charge-offs | 45.8716% | 2,665 |
| Earnings coverage of net charge-offs (x) | 0.7225% | 3,586 |
| Efficiency ratio | 91.3103% | 1,044 |
| Assets per employee ($millions) | 1.7519% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1706% | 563 |
| Loan loss allowance to noncurrent loans | 104.4335% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 3.3430% | 1,301 |
| Noncurrent loans to loans | 3.0360% | 1,650 |
| Net loans and leases to total assets | 80.6351% | 371 |
| Net loans and leases to deposits | 89.8934% | 977 |
| Net loans and leases to core deposits | 92.8865% | 1,422 |
| Total domestic deposits to total assets | 89.7008% | 1,230 |
| Equity capital to assets | 9.2790% | 5,162 |
| Core capital (leverage) ratio | 9.2748% | 4,445 |
| Tier 1 risk-based capital ratio | 13.0627% | 5,170 |
| Total risk-based capital ratio | 14.3476% | 5,099 |
| Memoranda: | ||
| Average total assets | $194,841,500 | 3,160 |
| Average earning assets | $180,051,000 | 3,144 |
| Average equity | $17,832,500 | 3,549 |
| Average total loans | $163,712,500 | 2,395 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9040% | 310 |
| Cost of funding earning assets | 1.3483% | 308 |
| Net interest margin | 4.5557% | 848 |
| Noninterest income to average assets | 2.9456% | 263 |
| Noninterest expense to average assets | 6.7970% | 159 |
| Loan and lease loss provision to assets | 1.0007% | 423 |
| Net operating income to assets | -0.7632% | 6,666 |
| Return on assets (ROA) | -0.4853% | 6,597 |
| Pretax return on assets | -0.4853% | 6,561 |
| Return on Equity (ROE) | -5.1820% | 6,601 |
| Retained earnings to average equity (ytd only) | -5.1820% | 6,439 |
| Net charge-offs to loans | 2.2262% | 300 |
| Credit loss provision to net charge-offs | 57.1682% | 4,519 |
| Earnings coverage of net charge-offs (x) | 0.1357% | 5,427 |
| Efficiency ratio | 96.6242% | 684 |
| Assets per employee ($millions) | 1.9897% | 6,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1890% | 559 |
| Loan loss allowance to noncurrent loans | 81.6564% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 4.2111% | 1,005 |
| Noncurrent loans to loans | 3.9054% | 1,232 |
| Net loans and leases to total assets | 82.0524% | 323 |
| Net loans and leases to deposits | 93.0923% | 822 |
| Net loans and leases to core deposits | 96.1659% | 1,288 |
| Total domestic deposits to total assets | 88.1409% | 2,136 |
| Equity capital to assets | 9.0284% | 5,494 |
| Core capital (leverage) ratio | 9.0147% | 4,876 |
| Tier 1 risk-based capital ratio | 12.5123% | 5,467 |
| Total risk-based capital ratio | 13.7941% | 5,395 |
| Memoranda: | ||
| Average total assets | $192,864,200 | 3,140 |
| Average earning assets | $173,103,000 | 3,191 |
| Average equity | $18,062,400 | 3,455 |
| Average total loans | $151,646,400 | 2,548 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8199% | 390 |
| Cost of funding earning assets | 1.3914% | 302 |
| Net interest margin | 4.4284% | 1,145 |
| Noninterest income to average assets | 2.6904% | 288 |
| Noninterest expense to average assets | 6.4866% | 177 |
| Loan and lease loss provision to assets | 0.8375% | 553 |
| Net operating income to assets | -0.6853% | 6,773 |
| Return on assets (ROA) | -0.3128% | 6,639 |
| Pretax return on assets | -0.3128% | 6,608 |
| Return on Equity (ROE) | -3.3090% | 6,638 |
| Retained earnings to average equity (ytd only) | -3.3090% | 6,503 |
| Net charge-offs to loans | 1.7020% | 480 |
| Credit loss provision to net charge-offs | 63.8580% | 4,056 |
| Earnings coverage of net charge-offs (x) | 0.1161% | 5,279 |
| Efficiency ratio | 97.7073% | 612 |
| Assets per employee ($millions) | 2.1035% | 6,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8097% | 356 |
| Loan loss allowance to noncurrent loans | 77.2462% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 5.0735% | 878 |
| Noncurrent loans to loans | 4.9319% | 921 |
| Net loans and leases to total assets | 78.5630% | 668 |
| Net loans and leases to deposits | 88.6326% | 1,279 |
| Net loans and leases to core deposits | 91.7831% | 1,799 |
| Total domestic deposits to total assets | 88.6389% | 1,633 |
| Equity capital to assets | 9.3649% | 5,388 |
| Core capital (leverage) ratio | 9.3041% | 4,578 |
| Tier 1 risk-based capital ratio | 13.5453% | 4,853 |
| Total risk-based capital ratio | 14.8365% | 4,787 |
| Memoranda: | ||
| Average total assets | $191,835,500 | 3,187 |
| Average earning assets | $171,042,500 | 3,248 |
| Average equity | $18,132,000 | 3,485 |
| Average total loans | $147,820,500 | 2,638 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6794% | 505 |
| Cost of funding earning assets | 1.4121% | 334 |
| Net interest margin | 4.2673% | 1,562 |
| Noninterest income to average assets | 2.5093% | 296 |
| Noninterest expense to average assets | 5.9127% | 223 |
| Loan and lease loss provision to assets | 1.2646% | 317 |
| Net operating income to assets | -0.9067% | 6,886 |
| Return on assets (ROA) | -0.4387% | 6,750 |
| Pretax return on assets | -0.4387% | 6,723 |
| Return on Equity (ROE) | -4.6266% | 6,757 |
| Retained earnings to average equity (ytd only) | -4.6266% | 6,596 |
| Net charge-offs to loans | 2.2790% | 323 |
| Credit loss provision to net charge-offs | 73.5204% | 3,489 |
| Earnings coverage of net charge-offs (x) | 0.2081% | 4,969 |
| Efficiency ratio | 94.2929% | 793 |
| Assets per employee ($millions) | 1.9312% | 7,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2606% | 288 |
| Loan loss allowance to noncurrent loans | 66.3073% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 6.2331% | 673 |
| Noncurrent loans to loans | 6.4255% | 658 |
| Net loans and leases to total assets | 76.7832% | 868 |
| Net loans and leases to deposits | 87.1012% | 1,461 |
| Net loans and leases to core deposits | 90.0889% | 1,973 |
| Total domestic deposits to total assets | 88.1540% | 2,037 |
| Equity capital to assets | 9.7230% | 4,728 |
| Core capital (leverage) ratio | 9.6820% | 3,860 |
| Tier 1 risk-based capital ratio | 14.1462% | 4,344 |
| Total risk-based capital ratio | 15.4431% | 4,271 |
| Memoranda: | ||
| Average total assets | $190,572,670 | 3,210 |
| Average earning assets | $167,976,000 | 3,292 |
| Average equity | $18,069,330 | 3,487 |
| Average total loans | $143,835,670 | 2,708 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5703% | 668 |
| Cost of funding earning assets | 1.4600% | 338 |
| Net interest margin | 4.1103% | 2,057 |
| Noninterest income to average assets | 2.5906% | 291 |
| Noninterest expense to average assets | 5.9080% | 215 |
| Loan and lease loss provision to assets | 0.9940% | 422 |
| Net operating income to assets | -0.7144% | 6,922 |
| Return on assets (ROA) | 0.2071% | 6,108 |
| Pretax return on assets | 0.2071% | 6,186 |
| Return on Equity (ROE) | 2.2110% | 6,003 |
| Retained earnings to average equity (ytd only) | 2.2110% | 5,159 |
| Net charge-offs to loans | 3.2162% | 215 |
| Credit loss provision to net charge-offs | 42.2164% | 3,413 |
| Earnings coverage of net charge-offs (x) | 0.1187% | 4,306 |
| Efficiency ratio | 95.4819% | 745 |
| Assets per employee ($millions) | 2.2201% | 7,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3301% | 282 |
| Loan loss allowance to noncurrent loans | 56.7766% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 5.9667% | 793 |
| Noncurrent loans to loans | 7.6265% | 541 |
| Net loans and leases to total assets | 70.7291% | 1,626 |
| Net loans and leases to deposits | 82.2238% | 1,910 |
| Net loans and leases to core deposits | 85.0181% | 2,403 |
| Total domestic deposits to total assets | 86.0203% | 3,515 |
| Equity capital to assets | 9.6466% | 4,588 |
| Core capital (leverage) ratio | 9.6665% | 3,819 |
| Tier 1 risk-based capital ratio | 15.2146% | 3,613 |
| Total risk-based capital ratio | 16.5086% | 3,548 |
| Memoranda: | ||
| Average total assets | $193,161,000 | 3,194 |
| Average earning assets | $169,038,000 | 3,302 |
| Average equity | $18,091,000 | 3,489 |
| Average total loans | $141,409,500 | 2,765 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4069% | 1,401 |
| Cost of funding earning assets | 1.5494% | 588 |
| Net interest margin | 3.8575% | 3,528 |
| Noninterest income to average assets | 2.1791% | 335 |
| Noninterest expense to average assets | 6.2003% | 191 |
| Loan and lease loss provision to assets | 3.3441% | 92 |
| Net operating income to assets | -4.0646% | 7,256 |
| Return on assets (ROA) | -4.0646% | 7,262 |
| Pretax return on assets | -4.0646% | 7,273 |
| Return on Equity (ROE) | -42.1924% | 7,171 |
| Retained earnings to average equity (ytd only) | -42.1924% | 7,168 |
| Net charge-offs to loans | 5.7697% | 53 |
| Credit loss provision to net charge-offs | 84.2566% | 4,269 |
| Earnings coverage of net charge-offs (x) | -0.1815% | 5,946 |
| Efficiency ratio | 113.1481% | 379 |
| Assets per employee ($millions) | 2.5376% | 6,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5805% | 243 |
| Loan loss allowance to noncurrent loans | 69.9246% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 5.1736% | 1,016 |
| Noncurrent loans to loans | 6.5506% | 707 |
| Net loans and leases to total assets | 69.1814% | 2,186 |
| Net loans and leases to deposits | 79.6316% | 2,591 |
| Net loans and leases to core deposits | 81.2968% | 3,285 |
| Total domestic deposits to total assets | 86.8768% | 2,829 |
| Equity capital to assets | 9.0913% | 5,422 |
| Core capital (leverage) ratio | 8.9739% | 4,832 |
| Tier 1 risk-based capital ratio | 15.1024% | 3,579 |
| Total risk-based capital ratio | 16.4064% | 3,506 |
| Memoranda: | ||
| Average total assets | $210,133,600 | 2,943 |
| Average earning assets | $179,806,400 | 3,091 |
| Average equity | $20,243,000 | 3,099 |
| Average total loans | $144,549,200 | 2,721 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1888% | 2,245 |
| Cost of funding earning assets | 1.5347% | 757 |
| Net interest margin | 3.6540% | 4,549 |
| Noninterest income to average assets | 2.0416% | 368 |
| Noninterest expense to average assets | 6.1602% | 186 |
| Loan and lease loss provision to assets | 3.5680% | 78 |
| Net operating income to assets | -4.5645% | 7,361 |
| Return on assets (ROA) | -4.5645% | 7,362 |
| Pretax return on assets | -4.5645% | 7,362 |
| Return on Equity (ROE) | -46.7808% | 7,279 |
| Retained earnings to average equity (ytd only) | -46.7808% | 7,273 |
| Net charge-offs to loans | 7.2287% | 29 |
| Credit loss provision to net charge-offs | 72.6511% | 4,392 |
| Earnings coverage of net charge-offs (x) | -0.2029% | 5,720 |
| Efficiency ratio | 119.2972% | 313 |
| Assets per employee ($millions) | 2.9086% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8594% | 435 |
| Loan loss allowance to noncurrent loans | 43.2776% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 6.4720% | 801 |
| Noncurrent loans to loans | 8.9177% | 441 |
| Net loans and leases to total assets | 65.3455% | 3,044 |
| Net loans and leases to deposits | 82.1004% | 2,338 |
| Net loans and leases to core deposits | 83.9258% | 3,075 |
| Total domestic deposits to total assets | 79.5922% | 5,848 |
| Equity capital to assets | 8.8219% | 5,956 |
| Core capital (leverage) ratio | 8.7138% | 5,387 |
| Tier 1 risk-based capital ratio | 15.7279% | 3,263 |
| Total risk-based capital ratio | 17.0217% | 3,197 |
| Memoranda: | ||
| Average total assets | $213,818,250 | 2,914 |
| Average earning assets | $182,697,750 | 3,070 |
| Average equity | $20,862,750 | 3,028 |
| Average total loans | $145,270,000 | 2,726 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1960% | 2,273 |
| Cost of funding earning assets | 1.5153% | 954 |
| Net interest margin | 3.6807% | 4,352 |
| Noninterest income to average assets | 2.6652% | 246 |
| Noninterest expense to average assets | 6.5874% | 165 |
| Loan and lease loss provision to assets | 5.1391% | 49 |
| Net operating income to assets | -5.8825% | 7,458 |
| Return on assets (ROA) | -5.8825% | 7,459 |
| Pretax return on assets | -5.8825% | 7,458 |
| Return on Equity (ROE) | -58.4056% | 7,367 |
| Retained earnings to average equity (ytd only) | -58.4056% | 7,364 |
| Net charge-offs to loans | 9.9511% | 19 |
| Credit loss provision to net charge-offs | 76.0227% | 3,884 |
| Earnings coverage of net charge-offs (x) | -0.1100% | 5,353 |
| Efficiency ratio | 112.7206% | 432 |
| Assets per employee ($millions) | 2.7248% | 6,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4902% | 278 |
| Loan loss allowance to noncurrent loans | 48.9873% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 6.1712% | 895 |
| Noncurrent loans to loans | 9.1659% | 450 |
| Net loans and leases to total assets | 59.9910% | 4,277 |
| Net loans and leases to deposits | 76.2999% | 3,409 |
| Net loans and leases to core deposits | 77.8908% | 4,062 |
| Total domestic deposits to total assets | 78.6253% | 6,168 |
| Equity capital to assets | 9.2219% | 5,249 |
| Core capital (leverage) ratio | 9.1915% | 4,420 |
| Tier 1 risk-based capital ratio | 17.6548% | 2,284 |
| Total risk-based capital ratio | 18.9571% | 2,230 |
| Memoranda: | ||
| Average total assets | $213,345,670 | 2,929 |
| Average earning assets | $184,258,000 | 3,068 |
| Average equity | $21,487,670 | 2,929 |
| Average total loans | $144,929,000 | 2,761 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3825% | 1,634 |
| Cost of funding earning assets | 1.5538% | 965 |
| Net interest margin | 3.8287% | 3,473 |
| Noninterest income to average assets | 1.6743% | 486 |
| Noninterest expense to average assets | 7.4298% | 127 |
| Loan and lease loss provision to assets | 9.6465% | 13 |
| Net operating income to assets | -12.1023% | 7,565 |
| Return on assets (ROA) | -12.1023% | 7,565 |
| Pretax return on assets | -12.1023% | 7,561 |
| Return on Equity (ROE) | -115.2336% | 7,503 |
| Retained earnings to average equity (ytd only) | -115.2336% | 7,498 |
| Net charge-offs to loans | 18.9225% | 6 |
| Credit loss provision to net charge-offs | 72.2834% | 3,307 |
| Earnings coverage of net charge-offs (x) | -0.1840% | 4,689 |
| Efficiency ratio | 149.3752% | 170 |
| Assets per employee ($millions) | 3.1911% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8786% | 458 |
| Loan loss allowance to noncurrent loans | 30.4863% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 9.6979% | 434 |
| Noncurrent loans to loans | 12.7223% | 242 |
| Net loans and leases to total assets | 68.6723% | 2,407 |
| Net loans and leases to deposits | 87.4739% | 1,520 |
| Net loans and leases to core deposits | 89.3319% | 2,438 |
| Total domestic deposits to total assets | 78.5060% | 6,296 |
| Equity capital to assets | 9.3309% | 4,674 |
| Core capital (leverage) ratio | 9.3201% | 4,095 |
| Tier 1 risk-based capital ratio | 16.3319% | 2,736 |
| Total risk-based capital ratio | 17.6266% | 2,688 |
| Memoranda: | ||
| Average total assets | $212,389,000 | 2,963 |
| Average earning assets | $183,037,500 | 3,096 |
| Average equity | $22,306,000 | 2,831 |
| Average total loans | $149,790,000 | 2,716 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3848% | 2,748 |
| Cost of funding earning assets | 2.0535% | 502 |
| Net interest margin | 3.3313% | 5,867 |
| Noninterest income to average assets | 2.3010% | 317 |
| Noninterest expense to average assets | 8.1942% | 109 |
| Loan and lease loss provision to assets | 2.3329% | 512 |
| Net operating income to assets | -5.5622% | 7,570 |
| Return on assets (ROA) | -5.5622% | 7,575 |
| Pretax return on assets | -5.5622% | 7,568 |
| Return on Equity (ROE) | -61.5452% | 7,490 |
| Retained earnings to average equity (ytd only) | -61.5452% | 7,488 |
| Net charge-offs to loans | 1.6377% | 1,322 |
| Credit loss provision to net charge-offs | 224.7547% | 1,327 |
| Earnings coverage of net charge-offs (x) | -3.1111% | 6,742 |
| Efficiency ratio | 165.0410% | 148 |
| Assets per employee ($millions) | 3.1965% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2310% | 165 |
| Loan loss allowance to noncurrent loans | 35.2479% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 11.1049% | 341 |
| Noncurrent loans to loans | 14.8405% | 167 |
| Net loans and leases to total assets | 65.9825% | 3,472 |
| Net loans and leases to deposits | 85.1216% | 2,259 |
| Net loans and leases to core deposits | 86.9126% | 3,200 |
| Total domestic deposits to total assets | 77.5156% | 6,399 |
| Equity capital to assets | 11.6545% | 2,157 |
| Core capital (leverage) ratio | 11.6512% | 1,756 |
| Tier 1 risk-based capital ratio | 20.6801% | 1,367 |
| Total risk-based capital ratio | 21.9946% | 1,335 |
| Memoranda: | ||
| Average total assets | $215,993,200 | 2,915 |
| Average earning assets | $172,726,800 | 3,230 |
| Average equity | $19,520,600 | 3,211 |
| Average total loans | $136,898,200 | 3,001 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4415% | 2,682 |
| Cost of funding earning assets | 2.1462% | 456 |
| Net interest margin | 3.2953% | 6,032 |
| Noninterest income to average assets | 2.4307% | 288 |
| Noninterest expense to average assets | 7.1578% | 142 |
| Loan and lease loss provision to assets | 1.1950% | 1,200 |
| Net operating income to assets | -3.3343% | 7,496 |
| Return on assets (ROA) | -3.3343% | 7,509 |
| Pretax return on assets | -3.3343% | 7,475 |
| Return on Equity (ROE) | -39.7404% | 7,487 |
| Retained earnings to average equity (ytd only) | -39.7404% | 7,483 |
| Net charge-offs to loans | 1.4922% | 1,348 |
| Credit loss provision to net charge-offs | 129.5060% | 3,125 |
| Earnings coverage of net charge-offs (x) | -2.3184% | 6,544 |
| Efficiency ratio | 142.6292% | 237 |
| Assets per employee ($millions) | 3.6693% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7317% | 459 |
| Loan loss allowance to noncurrent loans | 33.3313% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 8.8024% | 526 |
| Noncurrent loans to loans | 11.1958% | 335 |
| Net loans and leases to total assets | 59.8152% | 4,948 |
| Net loans and leases to deposits | 85.7369% | 2,403 |
| Net loans and leases to core deposits | 87.1913% | 3,491 |
| Total domestic deposits to total assets | 69.7660% | 7,284 |
| Equity capital to assets | 7.8072% | 6,928 |
| Core capital (leverage) ratio | 7.8150% | 6,556 |
| Tier 1 risk-based capital ratio | 13.0528% | 4,541 |
| Total risk-based capital ratio | 14.3358% | 4,486 |
| Memoranda: | ||
| Average total assets | $216,450,000 | 2,955 |
| Average earning assets | $169,974,250 | 3,324 |
| Average equity | $18,160,750 | 3,447 |
| Average total loans | $133,844,750 | 3,101 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6780% | 1,844 |
| Cost of funding earning assets | 2.2323% | 421 |
| Net interest margin | 3.4456% | 5,454 |
| Noninterest income to average assets | 1.1345% | 1,015 |
| Noninterest expense to average assets | 7.8233% | 121 |
| Loan and lease loss provision to assets | 0.7370% | 1,963 |
| Net operating income to assets | -4.7090% | 7,681 |
| Return on assets (ROA) | -4.7090% | 7,683 |
| Pretax return on assets | -4.7090% | 7,661 |
| Return on Equity (ROE) | -54.7092% | 7,632 |
| Retained earnings to average equity (ytd only) | -54.7092% | 7,628 |
| Net charge-offs to loans | 0.9428% | 1,952 |
| Credit loss provision to net charge-offs | 126.6340% | 3,183 |
| Earnings coverage of net charge-offs (x) | -6.8252% | 6,302 |
| Efficiency ratio | 203.1358% | 92 |
| Assets per employee ($millions) | 3.1841% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0316% | 368 |
| Loan loss allowance to noncurrent loans | 35.9224% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 9.2081% | 473 |
| Noncurrent loans to loans | 11.2231% | 350 |
| Net loans and leases to total assets | 58.5160% | 5,330 |
| Net loans and leases to deposits | 72.4200% | 4,925 |
| Net loans and leases to core deposits | 73.8367% | 5,465 |
| Total domestic deposits to total assets | 80.8009% | 5,471 |
| Equity capital to assets | 8.9150% | 5,580 |
| Core capital (leverage) ratio | 8.9492% | 4,685 |
| Tier 1 risk-based capital ratio | 14.6770% | 3,340 |
| Total risk-based capital ratio | 15.9618% | 3,293 |
| Memoranda: | ||
| Average total assets | $210,321,670 | 3,049 |
| Average earning assets | $165,834,330 | 3,412 |
| Average equity | $18,103,000 | 3,448 |
| Average total loans | $129,822,330 | 3,204 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7551% | 1,609 |
| Cost of funding earning assets | 2.3227% | 401 |
| Net interest margin | 3.4324% | 5,457 |
| Noninterest income to average assets | 1.5171% | 524 |
| Noninterest expense to average assets | 7.1747% | 143 |
| Loan and lease loss provision to assets | 0.7604% | 1,670 |
| Net operating income to assets | -3.7660% | 7,700 |
| Return on assets (ROA) | -3.7660% | 7,704 |
| Pretax return on assets | -3.7660% | 7,670 |
| Return on Equity (ROE) | -44.5494% | 7,682 |
| Retained earnings to average equity (ytd only) | -44.5494% | 7,670 |
| Net charge-offs to loans | 1.5613% | 1,113 |
| Credit loss provision to net charge-offs | 78.4314% | 3,918 |
| Earnings coverage of net charge-offs (x) | -3.1000% | 5,502 |
| Efficiency ratio | 172.0930% | 135 |
| Assets per employee ($millions) | 3.1323% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8741% | 416 |
| Loan loss allowance to noncurrent loans | 50.6522% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 6.8445% | 801 |
| Noncurrent loans to loans | 7.6485% | 733 |
| Net loans and leases to total assets | 57.8501% | 5,463 |
| Net loans and leases to deposits | 69.4785% | 5,412 |
| Net loans and leases to core deposits | 70.7903% | 5,846 |
| Total domestic deposits to total assets | 83.2634% | 4,494 |
| Equity capital to assets | 8.6885% | 5,749 |
| Core capital (leverage) ratio | 8.7107% | 5,008 |
| Tier 1 risk-based capital ratio | 14.4888% | 3,379 |
| Total risk-based capital ratio | 15.7717% | 3,334 |
| Memoranda: | ||
| Average total assets | $210,407,000 | 3,095 |
| Average earning assets | $162,567,500 | 3,516 |
| Average equity | $17,787,000 | 3,520 |
| Average total loans | $130,664,500 | 3,248 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 3,638 |
| Cost of funding earning assets | 3.2415% | 108 |
| Net interest margin | 2.3524% | 7,540 |
| Noninterest income to average assets | -3.5345% | 8,009 |
| Noninterest expense to average assets | 5.8365% | 332 |
| Loan and lease loss provision to assets | 6.4768% | 85 |
| Net operating income to assets | -13.9684% | 7,996 |
| Return on assets (ROA) | -13.6754% | 7,996 |
| Pretax return on assets | -13.6754% | 7,994 |
| Return on Equity (ROE) | -120.9148% | 7,969 |
| Retained earnings to average equity (ytd only) | -120.9148% | 7,968 |
| Net charge-offs to loans | 10.2894% | 32 |
| Credit loss provision to net charge-offs | 96.8503% | 5,741 |
| Earnings coverage of net charge-offs (x) | -1.1203% | 6,905 |
| Efficiency ratio | -352.6358% | 8,007 |
| Assets per employee ($millions) | 3.0573% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7051% | 444 |
| Loan loss allowance to noncurrent loans | 36.5529% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 7.7743% | 596 |
| Noncurrent loans to loans | 10.1363% | 403 |
| Net loans and leases to total assets | 61.6385% | 5,072 |
| Net loans and leases to deposits | 72.9088% | 5,208 |
| Net loans and leases to core deposits | 88.2365% | 5,304 |
| Total domestic deposits to total assets | 84.5419% | 3,780 |
| Equity capital to assets | 8.2199% | 6,322 |
| Core capital (leverage) ratio | 8.2717% | 5,673 |
| Tier 1 risk-based capital ratio | 13.5203% | 3,808 |
| Total risk-based capital ratio | 14.8027% | 3,731 |
| Memoranda: | ||
| Average total assets | $226,933,800 | 2,857 |
| Average earning assets | $181,304,000 | 3,203 |
| Average equity | $25,666,000 | 2,551 |
| Average total loans | $147,492,000 | 2,961 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6289% | 3,699 |
| Cost of funding earning assets | 3.3898% | 102 |
| Net interest margin | 2.2390% | 7,692 |
| Noninterest income to average assets | -3.5762% | 8,094 |
| Noninterest expense to average assets | 4.3562% | 855 |
| Loan and lease loss provision to assets | 8.0623% | 41 |
| Net operating income to assets | -14.1996% | 8,074 |
| Return on assets (ROA) | -13.8157% | 8,071 |
| Pretax return on assets | -13.8157% | 8,072 |
| Return on Equity (ROE) | -114.9817% | 8,036 |
| Retained earnings to average equity (ytd only) | -114.9817% | 8,035 |
| Net charge-offs to loans | 13.1756% | 23 |
| Credit loss provision to net charge-offs | 93.8252% | 5,381 |
| Earnings coverage of net charge-offs (x) | -0.7142% | 6,569 |
| Efficiency ratio | -244.5705% | 8,091 |
| Assets per employee ($millions) | 2.7973% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3937% | 464 |
| Loan loss allowance to noncurrent loans | 19.4136% | 7,122 |
| Noncurrent assets plus other real estate owned to assets | 12.8514% | 188 |
| Noncurrent loans to loans | 17.4813% | 95 |
| Net loans and leases to total assets | 60.2907% | 5,539 |
| Net loans and leases to deposits | 66.7664% | 6,235 |
| Net loans and leases to core deposits | 80.7926% | 6,283 |
| Total domestic deposits to total assets | 90.3010% | 668 |
| Equity capital to assets | 8.9808% | 5,511 |
| Core capital (leverage) ratio | 9.0732% | 4,539 |
| Tier 1 risk-based capital ratio | 13.3777% | 3,945 |
| Total risk-based capital ratio | 14.6541% | 3,856 |
| Memoranda: | ||
| Average total assets | $230,929,500 | 2,835 |
| Average earning assets | $185,136,500 | 3,178 |
| Average equity | $27,747,500 | 2,406 |
| Average total loans | $150,607,500 | 2,938 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4166% | 5,055 |
| Cost of funding earning assets | 3.4655% | 125 |
| Net interest margin | 1.9511% | 7,889 |
| Noninterest income to average assets | -1.0970% | 8,161 |
| Noninterest expense to average assets | 4.1540% | 1,123 |
| Loan and lease loss provision to assets | 5.9007% | 145 |
| Net operating income to assets | -9.5998% | 8,112 |
| Return on assets (ROA) | -9.0365% | 8,092 |
| Pretax return on assets | -9.0365% | 8,078 |
| Return on Equity (ROE) | -69.8426% | 8,019 |
| Retained earnings to average equity (ytd only) | -69.8426% | 8,014 |
| Net charge-offs to loans | 8.0499% | 103 |
| Credit loss provision to net charge-offs | 110.9412% | 4,171 |
| Earnings coverage of net charge-offs (x) | -0.6955% | 6,148 |
| Efficiency ratio | 913.2216% | 25 |
| Assets per employee ($millions) | 3.1285% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1905% | 222 |
| Loan loss allowance to noncurrent loans | 21.8120% | 7,029 |
| Noncurrent assets plus other real estate owned to assets | 13.4081% | 136 |
| Noncurrent loans to loans | 19.2119% | 63 |
| Net loans and leases to total assets | 60.9143% | 5,533 |
| Net loans and leases to deposits | 69.8686% | 6,000 |
| Net loans and leases to core deposits | 84.9889% | 6,013 |
| Total domestic deposits to total assets | 87.1841% | 2,153 |
| Equity capital to assets | 12.3062% | 2,023 |
| Core capital (leverage) ratio | 12.3902% | 1,656 |
| Tier 1 risk-based capital ratio | 15.5813% | 2,785 |
| Total risk-based capital ratio | 16.8710% | 2,692 |
| Memoranda: | ||
| Average total assets | $236,108,330 | 2,793 |
| Average earning assets | $187,792,330 | 3,169 |
| Average equity | $30,548,670 | 2,227 |
| Average total loans | $156,002,000 | 2,890 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6669% | 620 |
| Cost of funding earning assets | 3.5151% | 147 |
| Net interest margin | 3.1518% | 6,012 |
| Noninterest income to average assets | 0.0050% | 8,032 |
| Noninterest expense to average assets | 4.6475% | 622 |
| Loan and lease loss provision to assets | 3.4613% | 301 |
| Net operating income to assets | -5.5854% | 8,070 |
| Return on assets (ROA) | -4.4696% | 8,004 |
| Pretax return on assets | -4.4696% | 7,949 |
| Return on Equity (ROE) | -33.7450% | 7,933 |
| Retained earnings to average equity (ytd only) | -33.7450% | 7,894 |
| Net charge-offs to loans | 1.8777% | 770 |
| Credit loss provision to net charge-offs | 273.9708% | 1,745 |
| Earnings coverage of net charge-offs (x) | -1.6813% | 5,448 |
| Efficiency ratio | 184.1755% | 228 |
| Assets per employee ($millions) | 3.4479% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1732% | 192 |
| Loan loss allowance to noncurrent loans | 19.7395% | 7,183 |
| Noncurrent assets plus other real estate owned to assets | 15.7497% | 67 |
| Noncurrent loans to loans | 21.1412% | 38 |
| Net loans and leases to total assets | 66.5015% | 4,465 |
| Net loans and leases to deposits | 76.9128% | 5,101 |
| Net loans and leases to core deposits | 91.2152% | 5,441 |
| Total domestic deposits to total assets | 86.4635% | 2,470 |
| Equity capital to assets | 12.9888% | 1,750 |
| Core capital (leverage) ratio | 12.3172% | 1,751 |
| Tier 1 risk-based capital ratio | 14.5485% | 3,284 |
| Total risk-based capital ratio | 15.8413% | 3,190 |
| Memoranda: | ||
| Average total assets | $238,408,000 | 2,784 |
| Average earning assets | $190,494,000 | 3,146 |
| Average equity | $31,578,000 | 2,144 |
| Average total loans | $160,408,000 | 2,839 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9823% | 198 |
| Cost of funding earning assets | 3.9584% | 113 |
| Net interest margin | 4.0239% | 3,008 |
| Noninterest income to average assets | -2.1667% | 8,297 |
| Noninterest expense to average assets | 5.2362% | 565 |
| Loan and lease loss provision to assets | 1.6211% | 804 |
| Net operating income to assets | -5.8203% | 8,141 |
| Return on assets (ROA) | -3.7960% | 7,932 |
| Pretax return on assets | -3.7960% | 7,854 |
| Return on Equity (ROE) | -24.2187% | 7,848 |
| Retained earnings to average equity (ytd only) | -24.2187% | 7,791 |
| Net charge-offs to loans | 1.4433% | 807 |
| Credit loss provision to net charge-offs | 190.0598% | 2,599 |
| Earnings coverage of net charge-offs (x) | -4.9231% | 6,832 |
| Efficiency ratio | 504.9205% | 45 |
| Assets per employee ($millions) | 3.3661% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4672% | 286 |
| Loan loss allowance to noncurrent loans | 24.0713% | 7,054 |
| Noncurrent assets plus other real estate owned to assets | 10.3981% | 142 |
| Noncurrent loans to loans | 14.4039% | 76 |
| Net loans and leases to total assets | 62.9755% | 5,456 |
| Net loans and leases to deposits | 73.3863% | 5,907 |
| Net loans and leases to core deposits | 89.2953% | 5,865 |
| Total domestic deposits to total assets | 85.8137% | 2,488 |
| Equity capital to assets | 13.4935% | 1,597 |
| Core capital (leverage) ratio | 13.0064% | 1,539 |
| Tier 1 risk-based capital ratio | 16.3792% | 2,527 |
| Total risk-based capital ratio | 17.6622% | 2,455 |
| Memoranda: | ||
| Average total assets | $254,765,600 | 2,512 |
| Average earning assets | $202,837,000 | 2,869 |
| Average equity | $39,932,000 | 1,687 |
| Average total loans | $150,558,600 | 2,921 |