Home > AccessBank Texas > Performance and Condition Ratios
AccessBank Texas, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 1,665 |
| Cost of funding earning assets | 0.2481% | 2,296 |
| Net interest margin | 3.4081% | 1,580 |
| Noninterest income to average assets | 0.2308% | 3,800 |
| Noninterest expense to average assets | 3.6291% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.1823% | 4,636 |
| Return on assets (ROA) | -0.1823% | 4,608 |
| Pretax return on assets | -0.1351% | 4,582 |
| Return on Equity (ROE) | -1.9026% | 4,613 |
| Retained earnings to average equity (ytd only) | -1.9026% | 4,376 |
| Net charge-offs to loans | 0.5860% | 111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -0.3263% | 2,107 |
| Efficiency ratio | 103.4139% | 159 |
| Assets per employee ($millions) | 7.9581% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 2,338 |
| Loan loss allowance to noncurrent loans | 1,114.5089% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 3,165 |
| Noncurrent loans to loans | 0.1138% | 3,170 |
| Net loans and leases to total assets | 70.7771% | 1,226 |
| Net loans and leases to deposits | 78.4924% | 1,504 |
| Net loans and leases to core deposits | 83.2630% | 1,495 |
| Total domestic deposits to total assets | 90.1706% | 1,642 |
| Equity capital to assets | 9.6543% | 1,907 |
| Core capital (leverage) ratio | 9.6482% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6158% | 2,244 |
| Memoranda: | ||
| Average total assets | $568,412,333 | 1,583 |
| Average earning assets | $544,235,000 | 1,537 |
| Average equity | $54,451,333 | 1,566 |
| Average total loans | $401,694,333 | 1,372 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 1,780 |
| Cost of funding earning assets | 0.2377% | 2,291 |
| Net interest margin | 3.2721% | 1,639 |
| Noninterest income to average assets | 0.2221% | 3,825 |
| Noninterest expense to average assets | 2.2600% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8691% | 2,421 |
| Return on assets (ROA) | 0.8691% | 2,410 |
| Pretax return on assets | 1.0954% | 2,158 |
| Return on Equity (ROE) | 9.1063% | 2,279 |
| Retained earnings to average equity (ytd only) | 9.1063% | 1,241 |
| Net charge-offs to loans | 1.1594% | 62 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1.3461% | 1,743 |
| Efficiency ratio | 66.8798% | 2,654 |
| Assets per employee ($millions) | 8.3997% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,604 |
| Loan loss allowance to noncurrent loans | 979.2157% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 3,207 |
| Noncurrent loans to loans | 0.1277% | 3,175 |
| Net loans and leases to total assets | 67.0949% | 1,300 |
| Net loans and leases to deposits | 74.3510% | 1,573 |
| Net loans and leases to core deposits | 78.5671% | 1,572 |
| Total domestic deposits to total assets | 90.2407% | 1,421 |
| Equity capital to assets | 9.4221% | 2,347 |
| Core capital (leverage) ratio | 9.6380% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8300% | 2,295 |
| Memoranda: | ||
| Average total assets | $578,063,500 | 1,561 |
| Average earning assets | $553,527,000 | 1,521 |
| Average equity | $55,170,500 | 1,596 |
| Average total loans | $405,723,000 | 1,353 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 1,330 |
| Cost of funding earning assets | 0.3592% | 1,860 |
| Net interest margin | 3.6537% | 1,331 |
| Noninterest income to average assets | 0.3688% | 3,226 |
| Noninterest expense to average assets | 2.6064% | 1,852 |
| Loan and lease loss provision to assets | 0.2791% | 308 |
| Net operating income to assets | 0.7824% | 3,387 |
| Return on assets (ROA) | 0.7824% | 3,456 |
| Pretax return on assets | 0.9679% | 3,341 |
| Return on Equity (ROE) | 8.0664% | 3,198 |
| Retained earnings to average equity (ytd only) | 8.0664% | 1,510 |
| Net charge-offs to loans | 0.2381% | 392 |
| Credit loss provision to net charge-offs | 155.1020% | 1,471 |
| Earnings coverage of net charge-offs (x) | 6.9306% | 2,374 |
| Efficiency ratio | 67.2114% | 2,094 |
| Assets per employee ($millions) | 7.6776% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,567 |
| Loan loss allowance to noncurrent loans | 145.5875% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 826 |
| Noncurrent loans to loans | 1.0288% | 956 |
| Net loans and leases to total assets | 71.4213% | 888 |
| Net loans and leases to deposits | 79.4062% | 1,262 |
| Net loans and leases to core deposits | 84.0813% | 1,326 |
| Total domestic deposits to total assets | 89.9441% | 988 |
| Equity capital to assets | 9.6702% | 2,973 |
| Core capital (leverage) ratio | 9.7144% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6625% | 2,381 |
| Memoranda: | ||
| Average total assets | $544,700,400 | 1,589 |
| Average earning assets | $519,474,600 | 1,546 |
| Average equity | $52,836,600 | 1,681 |
| Average total loans | $411,525,800 | 1,346 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 1,346 |
| Cost of funding earning assets | 0.3977% | 1,708 |
| Net interest margin | 3.6838% | 1,372 |
| Noninterest income to average assets | 0.2994% | 3,644 |
| Noninterest expense to average assets | 2.6102% | 1,809 |
| Loan and lease loss provision to assets | 0.3762% | 183 |
| Net operating income to assets | 0.6545% | 3,885 |
| Return on assets (ROA) | 0.6545% | 3,938 |
| Pretax return on assets | 0.8240% | 3,845 |
| Return on Equity (ROE) | 6.7416% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.7416% | 2,525 |
| Net charge-offs to loans | 0.3144% | 249 |
| Credit loss provision to net charge-offs | 156.7010% | 1,334 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,241 |
| Efficiency ratio | 68.0694% | 1,822 |
| Assets per employee ($millions) | 7.5613% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 1,592 |
| Loan loss allowance to noncurrent loans | 148.8081% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 947 |
| Noncurrent loans to loans | 1.0156% | 1,131 |
| Net loans and leases to total assets | 73.9750% | 698 |
| Net loans and leases to deposits | 82.3209% | 1,093 |
| Net loans and leases to core deposits | 88.1902% | 1,140 |
| Total domestic deposits to total assets | 89.8618% | 828 |
| Equity capital to assets | 9.8471% | 3,057 |
| Core capital (leverage) ratio | 9.6241% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7934% | 2,432 |
| Memoranda: | ||
| Average total assets | $538,839,000 | 1,611 |
| Average earning assets | $513,556,250 | 1,576 |
| Average equity | $52,310,500 | 1,718 |
| Average total loans | $411,420,500 | 1,374 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 1,247 |
| Cost of funding earning assets | 0.4402% | 1,592 |
| Net interest margin | 3.7200% | 1,298 |
| Noninterest income to average assets | 0.2808% | 3,739 |
| Noninterest expense to average assets | 2.6075% | 1,829 |
| Loan and lease loss provision to assets | 0.3818% | 182 |
| Net operating income to assets | 0.6808% | 3,804 |
| Return on assets (ROA) | 0.6808% | 3,871 |
| Pretax return on assets | 0.8324% | 3,798 |
| Return on Equity (ROE) | 7.0473% | 3,646 |
| Retained earnings to average equity (ytd only) | 7.0473% | 2,413 |
| Net charge-offs to loans | 0.2775% | 316 |
| Credit loss provision to net charge-offs | 179.1958% | 1,094 |
| Earnings coverage of net charge-offs (x) | 5.6993% | 1,984 |
| Efficiency ratio | 67.7907% | 1,904 |
| Assets per employee ($millions) | 7.6889% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,745 |
| Loan loss allowance to noncurrent loans | 130.9298% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 955 |
| Noncurrent loans to loans | 1.1116% | 1,084 |
| Net loans and leases to total assets | 73.3832% | 817 |
| Net loans and leases to deposits | 81.2232% | 1,301 |
| Net loans and leases to core deposits | 87.6478% | 1,297 |
| Total domestic deposits to total assets | 90.3476% | 624 |
| Equity capital to assets | 9.4043% | 3,424 |
| Core capital (leverage) ratio | 9.3785% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2788% | 2,618 |
| Memoranda: | ||
| Average total assets | $536,980,000 | 1,608 |
| Average earning assets | $511,124,667 | 1,571 |
| Average equity | $51,877,667 | 1,721 |
| Average total loans | $412,256,667 | 1,379 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 1,414 |
| Cost of funding earning assets | 0.4813% | 1,510 |
| Net interest margin | 3.6092% | 1,560 |
| Noninterest income to average assets | 0.2789% | 3,733 |
| Noninterest expense to average assets | 2.6698% | 1,689 |
| Loan and lease loss provision to assets | 0.4039% | 190 |
| Net operating income to assets | 0.5007% | 4,176 |
| Return on assets (ROA) | 0.5007% | 4,216 |
| Pretax return on assets | 0.6288% | 4,148 |
| Return on Equity (ROE) | 5.1105% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.1105% | 3,191 |
| Net charge-offs to loans | 0.0234% | 1,278 |
| Credit loss provision to net charge-offs | 2,208.3333% | 231 |
| Earnings coverage of net charge-offs (x) | 56.4583% | 850 |
| Efficiency ratio | 71.6550% | 1,533 |
| Assets per employee ($millions) | 7.3834% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 1,687 |
| Loan loss allowance to noncurrent loans | 119.4471% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9402% | 897 |
| Noncurrent loans to loans | 1.2361% | 1,062 |
| Net loans and leases to total assets | 74.9380% | 722 |
| Net loans and leases to deposits | 83.0752% | 1,236 |
| Net loans and leases to core deposits | 90.4335% | 1,202 |
| Total domestic deposits to total assets | 90.2051% | 723 |
| Equity capital to assets | 9.4651% | 3,235 |
| Core capital (leverage) ratio | 9.4920% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5161% | 2,484 |
| Memoranda: | ||
| Average total assets | $524,826,000 | 1,619 |
| Average earning assets | $497,839,000 | 1,593 |
| Average equity | $51,424,000 | 1,722 |
| Average total loans | $409,398,000 | 1,385 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 1,074 |
| Cost of funding earning assets | 0.7722% | 1,333 |
| Net interest margin | 3.8429% | 1,383 |
| Noninterest income to average assets | 0.3346% | 3,459 |
| Noninterest expense to average assets | 2.8662% | 1,771 |
| Loan and lease loss provision to assets | 0.5423% | 410 |
| Net operating income to assets | 0.4408% | 4,161 |
| Return on assets (ROA) | 0.4408% | 4,244 |
| Pretax return on assets | 0.5545% | 4,171 |
| Return on Equity (ROE) | 4.3421% | 4,079 |
| Retained earnings to average equity (ytd only) | 4.3421% | 2,630 |
| Net charge-offs to loans | 0.5138% | 306 |
| Credit loss provision to net charge-offs | 135.9608% | 2,513 |
| Earnings coverage of net charge-offs (x) | 2.7496% | 3,135 |
| Efficiency ratio | 71.8575% | 1,697 |
| Assets per employee ($millions) | 6.9900% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,986 |
| Loan loss allowance to noncurrent loans | 109.9824% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.5916% | 440 |
| Noncurrent loans to loans | 1.2695% | 1,080 |
| Net loans and leases to total assets | 78.9997% | 501 |
| Net loans and leases to deposits | 88.3066% | 1,056 |
| Net loans and leases to core deposits | 97.1402% | 1,052 |
| Total domestic deposits to total assets | 89.4607% | 784 |
| Equity capital to assets | 10.1600% | 2,973 |
| Core capital (leverage) ratio | 9.7966% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0102% | 2,231 |
| Memoranda: | ||
| Average total assets | $486,605,400 | 1,589 |
| Average earning assets | $459,450,000 | 1,563 |
| Average equity | $49,399,600 | 1,712 |
| Average total loans | $377,783,600 | 1,424 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 1,065 |
| Cost of funding earning assets | 0.8432% | 1,289 |
| Net interest margin | 3.8568% | 1,458 |
| Noninterest income to average assets | 0.3615% | 3,299 |
| Noninterest expense to average assets | 2.8789% | 1,748 |
| Loan and lease loss provision to assets | 0.6465% | 370 |
| Net operating income to assets | 0.3803% | 4,305 |
| Return on assets (ROA) | 0.3803% | 4,366 |
| Pretax return on assets | 0.4778% | 4,322 |
| Return on Equity (ROE) | 3.7467% | 4,226 |
| Retained earnings to average equity (ytd only) | 3.7467% | 3,169 |
| Net charge-offs to loans | 0.6835% | 204 |
| Credit loss provision to net charge-offs | 122.8466% | 2,485 |
| Earnings coverage of net charge-offs (x) | 2.1366% | 3,014 |
| Efficiency ratio | 71.4532% | 1,702 |
| Assets per employee ($millions) | 7.1054% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 2,033 |
| Loan loss allowance to noncurrent loans | 104.2743% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5933% | 513 |
| Noncurrent loans to loans | 1.2762% | 1,167 |
| Net loans and leases to total assets | 78.8833% | 726 |
| Net loans and leases to deposits | 88.0246% | 1,483 |
| Net loans and leases to core deposits | 97.4384% | 1,347 |
| Total domestic deposits to total assets | 89.6150% | 546 |
| Equity capital to assets | 9.9890% | 3,232 |
| Core capital (leverage) ratio | 9.7675% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0260% | 2,189 |
| Memoranda: | ||
| Average total assets | $482,437,250 | 1,578 |
| Average earning assets | $455,533,250 | 1,558 |
| Average equity | $48,966,250 | 1,716 |
| Average total loans | $371,425,000 | 1,435 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 1,888 |
| Cost of funding earning assets | 0.9154% | 1,299 |
| Net interest margin | 3.5933% | 2,506 |
| Noninterest income to average assets | 0.4239% | 2,949 |
| Noninterest expense to average assets | 2.9809% | 1,630 |
| Loan and lease loss provision to assets | 0.6479% | 452 |
| Net operating income to assets | 0.1528% | 4,629 |
| Return on assets (ROA) | 0.1528% | 4,664 |
| Pretax return on assets | 0.1894% | 4,642 |
| Return on Equity (ROE) | 1.4972% | 4,617 |
| Retained earnings to average equity (ytd only) | 1.4972% | 3,935 |
| Net charge-offs to loans | 1.0532% | 135 |
| Credit loss provision to net charge-offs | 81.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 1.0468% | 2,888 |
| Efficiency ratio | 77.5744% | 1,093 |
| Assets per employee ($millions) | 7.0609% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 2,820 |
| Loan loss allowance to noncurrent loans | 58.4676% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.6213% | 540 |
| Noncurrent loans to loans | 1.9527% | 700 |
| Net loans and leases to total assets | 78.9521% | 730 |
| Net loans and leases to deposits | 87.8409% | 1,576 |
| Net loans and leases to core deposits | 96.9381% | 1,506 |
| Total domestic deposits to total assets | 89.8808% | 434 |
| Equity capital to assets | 9.8470% | 3,328 |
| Core capital (leverage) ratio | 9.9754% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8945% | 2,225 |
| Memoranda: | ||
| Average total assets | $475,087,667 | 1,570 |
| Average earning assets | $448,774,333 | 1,545 |
| Average equity | $48,490,667 | 1,717 |
| Average total loans | $360,792,667 | 1,459 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 1,856 |
| Cost of funding earning assets | 1.0085% | 1,385 |
| Net interest margin | 3.6414% | 2,534 |
| Noninterest income to average assets | 0.3541% | 3,399 |
| Noninterest expense to average assets | 3.0755% | 1,703 |
| Loan and lease loss provision to assets | 0.8174% | 298 |
| Net operating income to assets | -0.0788% | 4,796 |
| Return on assets (ROA) | -0.0788% | 4,779 |
| Pretax return on assets | -0.1030% | 4,776 |
| Return on Equity (ROE) | -0.7575% | 4,788 |
| Retained earnings to average equity (ytd only) | -0.7575% | 4,109 |
| Net charge-offs to loans | 2.2264% | 61 |
| Credit loss provision to net charge-offs | 49.7366% | 2,064 |
| Earnings coverage of net charge-offs (x) | 0.4347% | 2,465 |
| Efficiency ratio | 80.6488% | 1,076 |
| Assets per employee ($millions) | 5.8590% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,068 |
| Loan loss allowance to noncurrent loans | 50.4502% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.7254% | 556 |
| Noncurrent loans to loans | 2.2337% | 588 |
| Net loans and leases to total assets | 76.3720% | 1,235 |
| Net loans and leases to deposits | 85.5580% | 2,050 |
| Net loans and leases to core deposits | 95.7862% | 1,810 |
| Total domestic deposits to total assets | 89.2635% | 560 |
| Equity capital to assets | 10.4995% | 3,322 |
| Core capital (leverage) ratio | 10.3570% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9921% | 2,288 |
| Memoranda: | ||
| Average total assets | $461,970,500 | 1,561 |
| Average earning assets | $435,875,500 | 1,534 |
| Average equity | $48,053,500 | 1,720 |
| Average total loans | $341,001,500 | 1,485 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 2,224 |
| Cost of funding earning assets | 1.0747% | 1,419 |
| Net interest margin | 3.6600% | 2,928 |
| Noninterest income to average assets | 0.3928% | 3,343 |
| Noninterest expense to average assets | 3.0186% | 1,972 |
| Loan and lease loss provision to assets | 0.1282% | 1,665 |
| Net operating income to assets | 0.5735% | 4,236 |
| Return on assets (ROA) | 0.5735% | 4,291 |
| Pretax return on assets | 0.6965% | 4,214 |
| Return on Equity (ROE) | 5.9777% | 3,927 |
| Retained earnings to average equity (ytd only) | 2.8323% | 3,625 |
| Net charge-offs to loans | 0.1484% | 1,334 |
| Credit loss provision to net charge-offs | 118.7783% | 2,133 |
| Earnings coverage of net charge-offs (x) | 7.6425% | 2,856 |
| Efficiency ratio | 77.9698% | 1,156 |
| Assets per employee ($millions) | 5.9265% | 1,684 |
| Cash dividends to net income (ytd only)* | 52.6181% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 2,844 |
| Loan loss allowance to noncurrent loans | 48.9676% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.6034% | 601 |
| Noncurrent loans to loans | 2.2817% | 524 |
| Net loans and leases to total assets | 69.4854% | 2,476 |
| Net loans and leases to deposits | 77.9595% | 3,010 |
| Net loans and leases to core deposits | 87.4933% | 2,655 |
| Total domestic deposits to total assets | 89.1302% | 620 |
| Equity capital to assets | 10.4905% | 3,458 |
| Core capital (leverage) ratio | 10.9392% | 2,554 |
| Tier 1 risk-based capital ratio | 13.8708% | 3,333 |
| Total risk-based capital ratio | 14.9163% | 3,334 |
| Memoranda: | ||
| Average total assets | $409,590,600 | 1,713 |
| Average earning assets | $386,148,000 | 1,682 |
| Average equity | $39,296,000 | 1,972 |
| Average total loans | $297,885,200 | 1,614 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 2,056 |
| Cost of funding earning assets | 1.0700% | 1,467 |
| Net interest margin | 3.7511% | 2,746 |
| Noninterest income to average assets | 0.3977% | 3,332 |
| Noninterest expense to average assets | 3.0178% | 1,924 |
| Loan and lease loss provision to assets | 0.1182% | 1,651 |
| Net operating income to assets | 0.6293% | 4,217 |
| Return on assets (ROA) | 0.6293% | 4,264 |
| Pretax return on assets | 0.7910% | 4,135 |
| Return on Equity (ROE) | 6.7459% | 3,794 |
| Retained earnings to average equity (ytd only) | 3.3947% | 3,707 |
| Net charge-offs to loans | -0.0340% | 4,732 |
| Credit loss provision to net charge-offs | -472.9730% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2724% | 1,300 |
| Assets per employee ($millions) | 5.8918% | 1,680 |
| Cash dividends to net income (ytd only)* | 49.6783% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 2,188 |
| Loan loss allowance to noncurrent loans | 121.9120% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 1,771 |
| Noncurrent loans to loans | 1.0316% | 1,557 |
| Net loans and leases to total assets | 74.3507% | 1,741 |
| Net loans and leases to deposits | 82.2112% | 2,659 |
| Net loans and leases to core deposits | 92.8920% | 2,280 |
| Total domestic deposits to total assets | 90.4386% | 185 |
| Equity capital to assets | 8.9280% | 4,814 |
| Core capital (leverage) ratio | 9.2966% | 4,372 |
| Tier 1 risk-based capital ratio | 11.5061% | 4,664 |
| Total risk-based capital ratio | 12.7361% | 4,577 |
| Memoranda: | ||
| Average total assets | $394,939,250 | 1,770 |
| Average earning assets | $371,575,250 | 1,753 |
| Average equity | $36,841,000 | 2,071 |
| Average total loans | $290,105,500 | 1,655 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 2,017 |
| Cost of funding earning assets | 1.0555% | 1,470 |
| Net interest margin | 3.7579% | 2,725 |
| Noninterest income to average assets | 0.4185% | 3,146 |
| Noninterest expense to average assets | 3.0604% | 1,837 |
| Loan and lease loss provision to assets | 0.1038% | 1,806 |
| Net operating income to assets | 0.6278% | 4,225 |
| Return on assets (ROA) | 0.6278% | 4,271 |
| Pretax return on assets | 0.7887% | 4,123 |
| Return on Equity (ROE) | 6.6252% | 3,827 |
| Retained earnings to average equity (ytd only) | 3.6113% | 3,444 |
| Net charge-offs to loans | -0.0029% | 4,022 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8291% | 1,297 |
| Assets per employee ($millions) | 5.4810% | 1,986 |
| Cash dividends to net income (ytd only)* | 45.4921% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 1,907 |
| Loan loss allowance to noncurrent loans | 116.4010% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 1,680 |
| Noncurrent loans to loans | 1.1376% | 1,430 |
| Net loans and leases to total assets | 72.7085% | 2,114 |
| Net loans and leases to deposits | 80.7869% | 2,871 |
| Net loans and leases to core deposits | 92.3891% | 2,378 |
| Total domestic deposits to total assets | 90.0004% | 333 |
| Equity capital to assets | 9.6278% | 4,293 |
| Core capital (leverage) ratio | 9.6674% | 3,964 |
| Tier 1 risk-based capital ratio | 12.3736% | 4,202 |
| Total risk-based capital ratio | 13.6242% | 4,075 |
| Memoranda: | ||
| Average total assets | $385,183,670 | 1,805 |
| Average earning assets | $362,276,670 | 1,791 |
| Average equity | $36,497,000 | 2,082 |
| Average total loans | $280,335,000 | 1,708 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 2,277 |
| Cost of funding earning assets | 1.0162% | 1,501 |
| Net interest margin | 3.6688% | 3,012 |
| Noninterest income to average assets | 0.3382% | 3,597 |
| Noninterest expense to average assets | 2.9322% | 2,179 |
| Loan and lease loss provision to assets | 0.0522% | 2,618 |
| Net operating income to assets | 0.6420% | 4,115 |
| Return on assets (ROA) | 0.6420% | 4,153 |
| Pretax return on assets | 0.8058% | 4,024 |
| Return on Equity (ROE) | 6.8311% | 3,736 |
| Retained earnings to average equity (ytd only) | 4.6096% | 3,080 |
| Net charge-offs to loans | -0.0130% | 4,329 |
| Credit loss provision to net charge-offs | -555.5556% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7557% | 1,408 |
| Assets per employee ($millions) | 6.1277% | 1,448 |
| Cash dividends to net income (ytd only)* | 32.5203% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 1,943 |
| Loan loss allowance to noncurrent loans | 83.6655% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1307% | 1,207 |
| Noncurrent loans to loans | 1.5934% | 996 |
| Net loans and leases to total assets | 70.0170% | 2,474 |
| Net loans and leases to deposits | 77.5961% | 3,105 |
| Net loans and leases to core deposits | 88.1542% | 2,665 |
| Total domestic deposits to total assets | 90.2327% | 371 |
| Equity capital to assets | 9.4497% | 4,302 |
| Core capital (leverage) ratio | 9.7485% | 3,870 |
| Tier 1 risk-based capital ratio | 12.7685% | 4,000 |
| Total risk-based capital ratio | 14.0185% | 3,897 |
| Memoranda: | ||
| Average total assets | $383,198,500 | 1,825 |
| Average earning assets | $360,550,500 | 1,808 |
| Average equity | $36,012,000 | 2,095 |
| Average total loans | $277,130,000 | 1,730 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 2,068 |
| Cost of funding earning assets | 0.8271% | 1,410 |
| Net interest margin | 3.7979% | 2,663 |
| Noninterest income to average assets | 0.4541% | 3,083 |
| Noninterest expense to average assets | 2.8228% | 2,608 |
| Loan and lease loss provision to assets | 0.2896% | 563 |
| Net operating income to assets | 0.7065% | 4,123 |
| Return on assets (ROA) | 0.7065% | 4,126 |
| Pretax return on assets | 0.8847% | 3,933 |
| Return on Equity (ROE) | 7.5251% | 3,652 |
| Retained earnings to average equity (ytd only) | 7.5251% | 1,447 |
| Net charge-offs to loans | 0.0271% | 2,867 |
| Credit loss provision to net charge-offs | 1,458.3333% | 291 |
| Earnings coverage of net charge-offs (x) | 59.1250% | 1,029 |
| Efficiency ratio | 69.8896% | 2,206 |
| Assets per employee ($millions) | 6.2353% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,134 |
| Loan loss allowance to noncurrent loans | 115.0865% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 1,702 |
| Noncurrent loans to loans | 1.1138% | 1,452 |
| Net loans and leases to total assets | 72.7531% | 2,136 |
| Net loans and leases to deposits | 80.5533% | 2,895 |
| Net loans and leases to core deposits | 91.7485% | 2,432 |
| Total domestic deposits to total assets | 90.3167% | 374 |
| Equity capital to assets | 9.3450% | 4,276 |
| Core capital (leverage) ratio | 9.6584% | 3,940 |
| Tier 1 risk-based capital ratio | 12.4746% | 4,152 |
| Total risk-based capital ratio | 13.7003% | 4,043 |
| Memoranda: | ||
| Average total assets | $362,511,600 | 1,864 |
| Average earning assets | $338,188,200 | 1,854 |
| Average equity | $34,032,600 | 2,107 |
| Average total loans | $265,206,200 | 1,756 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 2,043 |
| Cost of funding earning assets | 0.7939% | 1,371 |
| Net interest margin | 3.7841% | 2,703 |
| Noninterest income to average assets | 0.5139% | 2,779 |
| Noninterest expense to average assets | 2.8442% | 2,478 |
| Loan and lease loss provision to assets | 0.3910% | 323 |
| Net operating income to assets | 0.6412% | 4,395 |
| Return on assets (ROA) | 0.6412% | 4,403 |
| Pretax return on assets | 0.8036% | 4,280 |
| Return on Equity (ROE) | 6.8220% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.8220% | 2,219 |
| Net charge-offs to loans | 0.0372% | 2,333 |
| Credit loss provision to net charge-offs | 1,438.3562% | 286 |
| Earnings coverage of net charge-offs (x) | 43.9456% | 1,274 |
| Efficiency ratio | 69.6478% | 2,248 |
| Assets per employee ($millions) | 6.0889% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 2,042 |
| Loan loss allowance to noncurrent loans | 123.8621% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.5955% | 788 |
| Noncurrent loans to loans | 1.0600% | 1,608 |
| Net loans and leases to total assets | 72.6887% | 2,215 |
| Net loans and leases to deposits | 80.3086% | 3,005 |
| Net loans and leases to core deposits | 90.8312% | 2,581 |
| Total domestic deposits to total assets | 90.5117% | 340 |
| Equity capital to assets | 9.1844% | 4,382 |
| Core capital (leverage) ratio | 9.6777% | 3,968 |
| Tier 1 risk-based capital ratio | 12.3983% | 4,255 |
| Total risk-based capital ratio | 13.6455% | 4,150 |
| Memoranda: | ||
| Average total assets | $358,050,750 | 1,890 |
| Average earning assets | $333,526,000 | 1,887 |
| Average equity | $33,654,750 | 2,134 |
| Average total loans | $261,429,500 | 1,778 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5193% | 2,030 |
| Cost of funding earning assets | 0.7674% | 1,293 |
| Net interest margin | 3.7519% | 2,745 |
| Noninterest income to average assets | 0.4418% | 3,205 |
| Noninterest expense to average assets | 2.8321% | 2,571 |
| Loan and lease loss provision to assets | 0.4242% | 280 |
| Net operating income to assets | 0.5487% | 4,631 |
| Return on assets (ROA) | 0.5487% | 4,634 |
| Pretax return on assets | 0.6867% | 4,545 |
| Return on Equity (ROE) | 5.7907% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.7907% | 2,674 |
| Net charge-offs to loans | -0.0023% | 3,969 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9941% | 2,164 |
| Assets per employee ($millions) | 5.8166% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,483 |
| Loan loss allowance to noncurrent loans | 109.3506% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.7841% | 658 |
| Noncurrent loans to loans | 1.1350% | 1,546 |
| Net loans and leases to total assets | 74.3173% | 1,893 |
| Net loans and leases to deposits | 84.1473% | 2,517 |
| Net loans and leases to core deposits | 94.4575% | 2,187 |
| Total domestic deposits to total assets | 88.3182% | 1,212 |
| Equity capital to assets | 9.3101% | 4,274 |
| Core capital (leverage) ratio | 9.6941% | 3,896 |
| Tier 1 risk-based capital ratio | 12.3634% | 4,267 |
| Total risk-based capital ratio | 13.5555% | 4,187 |
| Memoranda: | ||
| Average total assets | $353,592,670 | 1,920 |
| Average earning assets | $329,962,000 | 1,909 |
| Average equity | $33,502,000 | 2,144 |
| Average total loans | $257,380,670 | 1,808 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 2,221 |
| Cost of funding earning assets | 0.7306% | 1,287 |
| Net interest margin | 3.6626% | 2,947 |
| Noninterest income to average assets | 0.4959% | 2,828 |
| Noninterest expense to average assets | 2.7651% | 2,822 |
| Loan and lease loss provision to assets | 0.3428% | 360 |
| Net operating income to assets | 0.6501% | 4,276 |
| Return on assets (ROA) | 0.6501% | 4,283 |
| Pretax return on assets | 0.8135% | 4,115 |
| Return on Equity (ROE) | 6.8010% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.8010% | 2,366 |
| Net charge-offs to loans | -0.0160% | 4,443 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6678% | 2,534 |
| Assets per employee ($millions) | 5.9121% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,205 |
| Loan loss allowance to noncurrent loans | 116.9532% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.6785% | 773 |
| Noncurrent loans to loans | 0.9666% | 1,887 |
| Net loans and leases to total assets | 73.3414% | 1,974 |
| Net loans and leases to deposits | 83.6729% | 2,426 |
| Net loans and leases to core deposits | 93.0879% | 2,205 |
| Total domestic deposits to total assets | 87.6524% | 1,816 |
| Equity capital to assets | 9.5506% | 4,044 |
| Core capital (leverage) ratio | 9.7603% | 3,795 |
| Tier 1 risk-based capital ratio | 12.8821% | 4,013 |
| Total risk-based capital ratio | 13.9805% | 3,994 |
| Memoranda: | ||
| Average total assets | $350,075,000 | 1,955 |
| Average earning assets | $327,420,500 | 1,934 |
| Average equity | $33,465,500 | 2,160 |
| Average total loans | $250,382,500 | 1,847 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 2,373 |
| Cost of funding earning assets | 0.6185% | 1,482 |
| Net interest margin | 3.6688% | 2,921 |
| Noninterest income to average assets | 0.4505% | 3,306 |
| Noninterest expense to average assets | 2.7731% | 2,877 |
| Loan and lease loss provision to assets | 0.3098% | 547 |
| Net operating income to assets | 0.3736% | 4,776 |
| Return on assets (ROA) | 0.3736% | 4,791 |
| Pretax return on assets | 0.8564% | 4,065 |
| Return on Equity (ROE) | 3.6437% | 4,632 |
| Retained earnings to average equity (ytd only) | 3.6437% | 3,069 |
| Net charge-offs to loans | 0.2001% | 1,285 |
| Credit loss provision to net charge-offs | 210.1449% | 1,298 |
| Earnings coverage of net charge-offs (x) | 7.9110% | 2,978 |
| Efficiency ratio | 70.3959% | 2,490 |
| Assets per employee ($millions) | 6.2739% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,447 |
| Loan loss allowance to noncurrent loans | 102.8313% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.7004% | 756 |
| Noncurrent loans to loans | 1.0508% | 1,693 |
| Net loans and leases to total assets | 68.1399% | 2,800 |
| Net loans and leases to deposits | 75.5572% | 3,371 |
| Net loans and leases to core deposits | 83.9956% | 3,052 |
| Total domestic deposits to total assets | 90.1832% | 505 |
| Equity capital to assets | 9.5683% | 4,172 |
| Core capital (leverage) ratio | 9.4268% | 4,128 |
| Tier 1 risk-based capital ratio | 13.3469% | 3,720 |
| Total risk-based capital ratio | 14.4008% | 3,735 |
| Memoranda: | ||
| Average total assets | $327,646,200 | 2,023 |
| Average earning assets | $311,572,200 | 1,982 |
| Average equity | $33,592,000 | 2,148 |
| Average total loans | $241,420,000 | 1,870 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,508 |
| Cost of funding earning assets | 0.5999% | 1,529 |
| Net interest margin | 3.6330% | 3,028 |
| Noninterest income to average assets | 0.5657% | 2,640 |
| Noninterest expense to average assets | 2.7891% | 2,764 |
| Loan and lease loss provision to assets | 0.3937% | 348 |
| Net operating income to assets | 0.5611% | 4,536 |
| Return on assets (ROA) | 0.5611% | 4,571 |
| Pretax return on assets | 0.8516% | 4,204 |
| Return on Equity (ROE) | 5.3752% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.3752% | 2,624 |
| Net charge-offs to loans | -0.0166% | 4,785 |
| Credit loss provision to net charge-offs | -3,166.6667% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1320% | 2,685 |
| Assets per employee ($millions) | 6.4809% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,489 |
| Loan loss allowance to noncurrent loans | 99.0621% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 1,701 |
| Noncurrent loans to loans | 1.2866% | 1,487 |
| Net loans and leases to total assets | 67.7940% | 2,870 |
| Net loans and leases to deposits | 75.2938% | 3,439 |
| Net loans and leases to core deposits | 84.2068% | 3,115 |
| Total domestic deposits to total assets | 90.0393% | 462 |
| Equity capital to assets | 9.7749% | 4,173 |
| Core capital (leverage) ratio | 9.6908% | 3,951 |
| Tier 1 risk-based capital ratio | 13.9920% | 3,445 |
| Total risk-based capital ratio | 15.2452% | 3,359 |
| Memoranda: | ||
| Average total assets | $321,723,750 | 2,071 |
| Average earning assets | $307,176,250 | 2,018 |
| Average equity | $33,585,750 | 2,164 |
| Average total loans | $241,271,250 | 1,881 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 2,234 |
| Cost of funding earning assets | 0.5858% | 1,537 |
| Net interest margin | 3.6801% | 2,720 |
| Noninterest income to average assets | 0.5879% | 2,521 |
| Noninterest expense to average assets | 2.9490% | 2,271 |
| Loan and lease loss provision to assets | 0.2241% | 780 |
| Net operating income to assets | 0.6077% | 4,269 |
| Return on assets (ROA) | 0.6077% | 4,314 |
| Pretax return on assets | 0.9228% | 3,857 |
| Return on Equity (ROE) | 5.6864% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.6864% | 2,305 |
| Net charge-offs to loans | -0.0157% | 4,684 |
| Credit loss provision to net charge-offs | -1,842.1053% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9981% | 2,340 |
| Assets per employee ($millions) | 6.1698% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 4,037 |
| Loan loss allowance to noncurrent loans | 2,043.3333% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 4,552 |
| Noncurrent loans to loans | 0.0498% | 4,940 |
| Net loans and leases to total assets | 71.5213% | 2,277 |
| Net loans and leases to deposits | 79.9006% | 2,921 |
| Net loans and leases to core deposits | 89.9960% | 2,529 |
| Total domestic deposits to total assets | 89.5128% | 722 |
| Equity capital to assets | 10.1895% | 3,678 |
| Core capital (leverage) ratio | 10.2832% | 3,166 |
| Tier 1 risk-based capital ratio | 14.0819% | 3,386 |
| Total risk-based capital ratio | 15.1399% | 3,406 |
| Memoranda: | ||
| Average total assets | $312,309,670 | 2,119 |
| Average earning assets | $297,709,000 | 2,073 |
| Average equity | $33,378,000 | 2,169 |
| Average total loans | $241,588,670 | 1,874 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 1,527 |
| Cost of funding earning assets | 0.5729% | 1,557 |
| Net interest margin | 3.8672% | 1,897 |
| Noninterest income to average assets | 0.3207% | 4,256 |
| Noninterest expense to average assets | 2.9946% | 2,177 |
| Loan and lease loss provision to assets | 0.0994% | 1,902 |
| Net operating income to assets | 0.6016% | 4,158 |
| Return on assets (ROA) | 0.6016% | 4,211 |
| Pretax return on assets | 0.9116% | 3,723 |
| Return on Equity (ROE) | 5.4876% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.4876% | 2,608 |
| Net charge-offs to loans | 0.0165% | 2,461 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 76.3000% | 678 |
| Efficiency ratio | 74.7602% | 2,102 |
| Assets per employee ($millions) | 5.5576% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,816 |
| Loan loss allowance to noncurrent loans | 1,790.0000% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 4,579 |
| Noncurrent loans to loans | 0.0495% | 4,992 |
| Net loans and leases to total assets | 77.2670% | 1,235 |
| Net loans and leases to deposits | 86.6798% | 1,954 |
| Net loans and leases to core deposits | 98.8669% | 1,592 |
| Total domestic deposits to total assets | 89.1407% | 1,085 |
| Equity capital to assets | 10.7179% | 2,942 |
| Core capital (leverage) ratio | 10.9018% | 2,474 |
| Tier 1 risk-based capital ratio | 14.0732% | 3,429 |
| Total risk-based capital ratio | 15.0087% | 3,532 |
| Memoranda: | ||
| Average total assets | $301,880,500 | 2,198 |
| Average earning assets | $287,649,000 | 2,144 |
| Average equity | $33,093,000 | 2,192 |
| Average total loans | $242,014,000 | 1,881 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 1,456 |
| Cost of funding earning assets | 0.6123% | 1,260 |
| Net interest margin | 3.9139% | 1,924 |
| Noninterest income to average assets | 0.5167% | 3,120 |
| Noninterest expense to average assets | 2.8610% | 2,812 |
| Loan and lease loss provision to assets | 0.1789% | 1,343 |
| Net operating income to assets | 0.7900% | 3,348 |
| Return on assets (ROA) | 0.7900% | 3,455 |
| Pretax return on assets | 1.1969% | 2,688 |
| Return on Equity (ROE) | 6.7474% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.7474% | 1,337 |
| Net charge-offs to loans | -0.0221% | 5,156 |
| Credit loss provision to net charge-offs | -1,011.1111% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5267% | 3,340 |
| Assets per employee ($millions) | 5.0462% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,919 |
| Loan loss allowance to noncurrent loans | 1,466.9014% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 4,574 |
| Noncurrent loans to loans | 0.0588% | 5,012 |
| Net loans and leases to total assets | 81.7697% | 636 |
| Net loans and leases to deposits | 92.3232% | 1,403 |
| Net loans and leases to core deposits | 105.4616% | 1,167 |
| Total domestic deposits to total assets | 88.5690% | 1,342 |
| Equity capital to assets | 11.2677% | 2,353 |
| Core capital (leverage) ratio | 10.6370% | 2,735 |
| Tier 1 risk-based capital ratio | 13.9360% | 3,498 |
| Total risk-based capital ratio | 14.8532% | 3,609 |
| Memoranda: | ||
| Average total assets | $254,317,600 | 2,471 |
| Average earning assets | $241,728,800 | 2,421 |
| Average equity | $29,774,600 | 2,365 |
| Average total loans | $203,594,800 | 2,089 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 1,669 |
| Cost of funding earning assets | 0.6278% | 1,154 |
| Net interest margin | 3.8314% | 2,222 |
| Noninterest income to average assets | 0.4892% | 3,327 |
| Noninterest expense to average assets | 2.7093% | 3,326 |
| Loan and lease loss provision to assets | 0.1825% | 1,209 |
| Net operating income to assets | 0.8167% | 3,290 |
| Return on assets (ROA) | 0.8167% | 3,427 |
| Pretax return on assets | 1.2351% | 2,683 |
| Return on Equity (ROE) | 6.8980% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.8980% | 1,677 |
| Net charge-offs to loans | -0.0316% | 5,184 |
| Credit loss provision to net charge-offs | -728.2609% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6502% | 3,649 |
| Assets per employee ($millions) | 5.8727% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8224% | 5,123 |
| Loan loss allowance to noncurrent loans | 1,336.0544% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 4,639 |
| Noncurrent loans to loans | 0.0616% | 5,109 |
| Net loans and leases to total assets | 80.6573% | 803 |
| Net loans and leases to deposits | 91.0156% | 1,630 |
| Net loans and leases to core deposits | 104.5591% | 1,306 |
| Total domestic deposits to total assets | 88.6192% | 1,096 |
| Equity capital to assets | 11.2115% | 2,787 |
| Core capital (leverage) ratio | 10.5181% | 2,977 |
| Tier 1 risk-based capital ratio | 14.3603% | 3,359 |
| Total risk-based capital ratio | 15.2689% | 3,471 |
| Memoranda: | ||
| Average total assets | $244,727,500 | 2,561 |
| Average earning assets | $232,353,500 | 2,503 |
| Average equity | $28,973,750 | 2,458 |
| Average total loans | $194,142,250 | 2,168 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 2,372 |
| Cost of funding earning assets | 0.6613% | 985 |
| Net interest margin | 3.5761% | 3,189 |
| Noninterest income to average assets | 0.3686% | 4,113 |
| Noninterest expense to average assets | 2.5995% | 3,721 |
| Loan and lease loss provision to assets | 0.1532% | 1,492 |
| Net operating income to assets | 0.6698% | 3,961 |
| Return on assets (ROA) | 0.6698% | 4,097 |
| Pretax return on assets | 1.0157% | 3,529 |
| Return on Equity (ROE) | 5.5319% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.5319% | 2,401 |
| Net charge-offs to loans | -0.0324% | 5,162 |
| Credit loss provision to net charge-offs | -603.4483% | 4,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9823% | 3,154 |
| Assets per employee ($millions) | 5.7824% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 5,279 |
| Loan loss allowance to noncurrent loans | 182.3469% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 3,492 |
| Noncurrent loans to loans | 0.4402% | 3,790 |
| Net loans and leases to total assets | 79.5687% | 974 |
| Net loans and leases to deposits | 90.0846% | 1,746 |
| Net loans and leases to core deposits | 102.5955% | 1,431 |
| Total domestic deposits to total assets | 88.3266% | 1,261 |
| Equity capital to assets | 11.5866% | 2,459 |
| Core capital (leverage) ratio | 12.0315% | 1,604 |
| Tier 1 risk-based capital ratio | 13.6295% | 3,817 |
| Total risk-based capital ratio | 14.4402% | 3,998 |
| Memoranda: | ||
| Average total assets | $228,424,670 | 2,693 |
| Average earning assets | $217,162,000 | 2,647 |
| Average equity | $27,658,000 | 2,557 |
| Average total loans | $179,255,330 | 2,323 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 2,615 |
| Cost of funding earning assets | 0.7003% | 806 |
| Net interest margin | 3.4602% | 3,623 |
| Noninterest income to average assets | 0.2355% | 5,058 |
| Noninterest expense to average assets | 2.5684% | 3,852 |
| Loan and lease loss provision to assets | 0.1962% | 1,003 |
| Net operating income to assets | 0.5062% | 4,606 |
| Return on assets (ROA) | 0.5062% | 4,705 |
| Pretax return on assets | 0.7672% | 4,315 |
| Return on Equity (ROE) | 4.0618% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.0618% | 3,459 |
| Net charge-offs to loans | -0.0508% | 5,340 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7222% | 2,695 |
| Assets per employee ($millions) | 6.4507% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 4,443 |
| Loan loss allowance to noncurrent loans | 1,395.9016% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 4,470 |
| Noncurrent loans to loans | 0.0738% | 5,184 |
| Net loans and leases to total assets | 76.8360% | 1,273 |
| Net loans and leases to deposits | 87.9328% | 1,833 |
| Net loans and leases to core deposits | 98.8404% | 1,574 |
| Total domestic deposits to total assets | 87.3803% | 2,009 |
| Equity capital to assets | 12.4483% | 1,714 |
| Core capital (leverage) ratio | 11.8255% | 1,728 |
| Tier 1 risk-based capital ratio | 15.3562% | 2,993 |
| Total risk-based capital ratio | 16.4379% | 3,005 |
| Memoranda: | ||
| Average total assets | $203,860,000 | 2,942 |
| Average earning assets | $194,207,500 | 2,885 |
| Average equity | $25,407,500 | 2,714 |
| Average total loans | $157,566,500 | 2,556 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 2,839 |
| Cost of funding earning assets | 0.7187% | 743 |
| Net interest margin | 3.4031% | 3,901 |
| Noninterest income to average assets | 0.2885% | 4,825 |
| Noninterest expense to average assets | 2.9149% | 2,805 |
| Loan and lease loss provision to assets | 0.1606% | 1,437 |
| Net operating income to assets | 1.4461% | 952 |
| Return on assets (ROA) | 1.4461% | 987 |
| Pretax return on assets | 0.4678% | 5,184 |
| Return on Equity (ROE) | 13.1708% | 1,017 |
| Retained earnings to average equity (ytd only) | 13.1708% | 194 |
| Net charge-offs to loans | 0.1752% | 1,636 |
| Credit loss provision to net charge-offs | 121.6814% | 2,121 |
| Earnings coverage of net charge-offs (x) | 4.7611% | 3,494 |
| Efficiency ratio | 82.2647% | 1,368 |
| Assets per employee ($millions) | 5.7308% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 4,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 4,660 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.1028% | 1,403 |
| Net loans and leases to deposits | 87.4460% | 1,940 |
| Net loans and leases to core deposits | 97.5822% | 1,707 |
| Total domestic deposits to total assets | 87.0283% | 2,115 |
| Equity capital to assets | 12.4795% | 1,635 |
| Core capital (leverage) ratio | 11.2949% | 2,125 |
| Tier 1 risk-based capital ratio | 15.0715% | 3,142 |
| Total risk-based capital ratio | 16.1559% | 3,151 |
| Memoranda: | ||
| Average total assets | $171,222,800 | 3,286 |
| Average earning assets | $163,763,200 | 3,203 |
| Average equity | $18,799,200 | 3,282 |
| Average total loans | $128,989,400 | 2,899 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0698% | 3,064 |
| Cost of funding earning assets | 0.7045% | 819 |
| Net interest margin | 3.3653% | 4,090 |
| Noninterest income to average assets | 0.2807% | 4,938 |
| Noninterest expense to average assets | 2.8809% | 2,908 |
| Loan and lease loss provision to assets | 0.0726% | 2,721 |
| Net operating income to assets | 0.6928% | 3,931 |
| Return on assets (ROA) | 0.6928% | 4,042 |
| Pretax return on assets | 0.5517% | 5,090 |
| Return on Equity (ROE) | 6.5746% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.5746% | 1,904 |
| Net charge-offs to loans | 0.2521% | 1,042 |
| Credit loss provision to net charge-offs | 38.4615% | 3,177 |
| Earnings coverage of net charge-offs (x) | 3.3077% | 3,520 |
| Efficiency ratio | 82.1905% | 1,370 |
| Assets per employee ($millions) | 6.3451% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 4,838 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 69.8506% | 2,409 |
| Net loans and leases to deposits | 78.0240% | 3,097 |
| Net loans and leases to core deposits | 86.4897% | 2,797 |
| Total domestic deposits to total assets | 89.5245% | 762 |
| Equity capital to assets | 10.3077% | 3,805 |
| Core capital (leverage) ratio | 10.9386% | 2,559 |
| Tier 1 risk-based capital ratio | 15.1728% | 3,200 |
| Total risk-based capital ratio | 16.2124% | 3,255 |
| Memoranda: | ||
| Average total assets | $165,316,750 | 3,404 |
| Average earning assets | $158,398,750 | 3,306 |
| Average equity | $17,420,000 | 3,497 |
| Average total loans | $123,770,000 | 3,012 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 2,747 |
| Cost of funding earning assets | 0.6844% | 916 |
| Net interest margin | 3.4572% | 3,673 |
| Noninterest income to average assets | 0.3100% | 4,739 |
| Noninterest expense to average assets | 2.9873% | 2,594 |
| Loan and lease loss provision to assets | 0.0775% | 2,573 |
| Net operating income to assets | 0.7788% | 3,491 |
| Return on assets (ROA) | 0.7788% | 3,597 |
| Pretax return on assets | 0.5528% | 5,097 |
| Return on Equity (ROE) | 7.3231% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.3231% | 1,562 |
| Net charge-offs to loans | 0.4682% | 541 |
| Credit loss provision to net charge-offs | 21.5827% | 3,004 |
| Earnings coverage of net charge-offs (x) | 1.7554% | 3,457 |
| Efficiency ratio | 82.5777% | 1,425 |
| Assets per employee ($millions) | 5.5049% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 4,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 4,797 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 77.1353% | 1,194 |
| Net loans and leases to deposits | 85.6684% | 2,085 |
| Net loans and leases to core deposits | 95.4250% | 1,852 |
| Total domestic deposits to total assets | 90.0394% | 650 |
| Equity capital to assets | 9.8382% | 4,236 |
| Core capital (leverage) ratio | 10.2619% | 3,266 |
| Tier 1 risk-based capital ratio | 13.3108% | 4,342 |
| Total risk-based capital ratio | 14.3580% | 4,369 |
| Memoranda: | ||
| Average total assets | $154,856,670 | 3,554 |
| Average earning assets | $148,155,670 | 3,487 |
| Average equity | $16,468,330 | 3,647 |
| Average total loans | $118,765,330 | 3,108 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 2,800 |
| Cost of funding earning assets | 0.6408% | 1,175 |
| Net interest margin | 3.4662% | 3,560 |
| Noninterest income to average assets | 0.1905% | 5,566 |
| Noninterest expense to average assets | 2.9804% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7594% | 3,491 |
| Return on assets (ROA) | 0.7594% | 3,626 |
| Pretax return on assets | 0.5226% | 5,116 |
| Return on Equity (ROE) | 6.8433% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.8433% | 2,081 |
| Net charge-offs to loans | -0.0072% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0816% | 1,264 |
| Assets per employee ($millions) | 4.9794% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 3,487 |
| Loan loss allowance to noncurrent loans | 128.9673% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 2,479 |
| Noncurrent loans to loans | 0.9970% | 2,768 |
| Net loans and leases to total assets | 76.3904% | 1,162 |
| Net loans and leases to deposits | 85.5792% | 1,889 |
| Net loans and leases to core deposits | 95.8667% | 1,626 |
| Total domestic deposits to total assets | 89.2628% | 1,107 |
| Equity capital to assets | 10.6542% | 3,368 |
| Core capital (leverage) ratio | 11.4015% | 2,081 |
| Tier 1 risk-based capital ratio | 14.5086% | 3,715 |
| Total risk-based capital ratio | 15.7582% | 3,642 |
| Memoranda: | ||
| Average total assets | $146,959,000 | 3,699 |
| Average earning assets | $140,443,000 | 3,617 |
| Average equity | $16,308,000 | 3,695 |
| Average total loans | $111,674,000 | 3,232 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 2,289 |
| Cost of funding earning assets | 0.6034% | 1,734 |
| Net interest margin | 3.7757% | 2,707 |
| Noninterest income to average assets | 0.1752% | 5,808 |
| Noninterest expense to average assets | 3.2771% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7444% | 3,653 |
| Return on assets (ROA) | 0.7376% | 3,800 |
| Pretax return on assets | 0.4816% | 5,293 |
| Return on Equity (ROE) | 6.1410% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.8722% | 2,698 |
| Net charge-offs to loans | -0.0440% | 5,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0295% | 1,075 |
| Assets per employee ($millions) | 5.3675% | 1,895 |
| Cash dividends to net income (ytd only)* | 20.6612% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 2,575 |
| Loan loss allowance to noncurrent loans | 128.8833% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 2,404 |
| Noncurrent loans to loans | 1.1463% | 2,553 |
| Net loans and leases to total assets | 73.3480% | 1,698 |
| Net loans and leases to deposits | 83.0500% | 2,331 |
| Net loans and leases to core deposits | 92.9354% | 1,998 |
| Total domestic deposits to total assets | 88.3178% | 1,608 |
| Equity capital to assets | 11.5848% | 2,360 |
| Core capital (leverage) ratio | 11.8905% | 1,703 |
| Tier 1 risk-based capital ratio | 16.2080% | 2,857 |
| Total risk-based capital ratio | 17.4618% | 2,796 |
| Memoranda: | ||
| Average total assets | $131,242,600 | 3,951 |
| Average earning assets | $124,797,800 | 3,866 |
| Average equity | $15,763,000 | 3,712 |
| Average total loans | $93,208,200 | 3,561 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 2,155 |
| Cost of funding earning assets | 0.5973% | 1,859 |
| Net interest margin | 3.8226% | 2,533 |
| Noninterest income to average assets | 0.1827% | 5,828 |
| Noninterest expense to average assets | 3.4023% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6741% | 4,086 |
| Return on assets (ROA) | 0.6730% | 4,180 |
| Pretax return on assets | 0.4129% | 5,555 |
| Return on Equity (ROE) | 5.5504% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.5504% | 2,708 |
| Net charge-offs to loans | -0.0663% | 6,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1534% | 912 |
| Assets per employee ($millions) | 4.9720% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 2,265 |
| Loan loss allowance to noncurrent loans | 129.2191% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 2,498 |
| Noncurrent loans to loans | 1.2469% | 2,556 |
| Net loans and leases to total assets | 70.0051% | 2,189 |
| Net loans and leases to deposits | 79.6496% | 2,749 |
| Net loans and leases to core deposits | 88.9782% | 2,329 |
| Total domestic deposits to total assets | 87.8914% | 1,819 |
| Equity capital to assets | 11.9448% | 2,107 |
| Core capital (leverage) ratio | 12.0457% | 1,674 |
| Tier 1 risk-based capital ratio | 17.2643% | 2,494 |
| Total risk-based capital ratio | 18.5188% | 2,454 |
| Memoranda: | ||
| Average total assets | $129,164,750 | 4,025 |
| Average earning assets | $122,775,500 | 3,932 |
| Average equity | $15,662,000 | 3,741 |
| Average total loans | $90,536,500 | 3,647 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 1,962 |
| Cost of funding earning assets | 0.5903% | 1,974 |
| Net interest margin | 3.8692% | 2,298 |
| Noninterest income to average assets | 0.1946% | 5,799 |
| Noninterest expense to average assets | 3.4251% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7045% | 3,815 |
| Return on assets (ROA) | 0.7029% | 3,916 |
| Pretax return on assets | 0.4393% | 5,452 |
| Return on Equity (ROE) | 5.7666% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.7666% | 2,474 |
| Net charge-offs to loans | -0.0383% | 5,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5958% | 1,034 |
| Assets per employee ($millions) | 4.9389% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 2,343 |
| Loan loss allowance to noncurrent loans | 126.8682% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.7705% | 1,834 |
| Noncurrent loans to loans | 1.2888% | 2,651 |
| Net loans and leases to total assets | 68.1650% | 2,386 |
| Net loans and leases to deposits | 77.5302% | 2,862 |
| Net loans and leases to core deposits | 86.1813% | 2,498 |
| Total domestic deposits to total assets | 87.9205% | 1,950 |
| Equity capital to assets | 11.9018% | 2,062 |
| Core capital (leverage) ratio | 12.4514% | 1,423 |
| Tier 1 risk-based capital ratio | 17.6568% | 2,365 |
| Total risk-based capital ratio | 18.9118% | 2,336 |
| Memoranda: | ||
| Average total assets | $127,472,000 | 4,086 |
| Average earning assets | $120,956,000 | 3,985 |
| Average equity | $15,537,670 | 3,763 |
| Average total loans | $88,876,670 | 3,695 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7233% | 1,210 |
| Cost of funding earning assets | 0.5955% | 2,010 |
| Net interest margin | 4.1278% | 1,399 |
| Noninterest income to average assets | 0.2152% | 5,637 |
| Noninterest expense to average assets | 3.4336% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7002% | 3,687 |
| Return on assets (ROA) | 0.7002% | 3,765 |
| Pretax return on assets | 0.7002% | 4,487 |
| Return on Equity (ROE) | 5.6730% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.6730% | 2,705 |
| Net charge-offs to loans | -0.0138% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0614% | 1,793 |
| Assets per employee ($millions) | 4.8033% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 2,272 |
| Loan loss allowance to noncurrent loans | 90.8925% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 2.2557% | 1,463 |
| Noncurrent loans to loans | 1.8977% | 2,004 |
| Net loans and leases to total assets | 68.2980% | 2,176 |
| Net loans and leases to deposits | 78.1159% | 2,540 |
| Net loans and leases to core deposits | 85.5678% | 2,359 |
| Total domestic deposits to total assets | 87.4316% | 2,541 |
| Equity capital to assets | 12.4074% | 1,626 |
| Core capital (leverage) ratio | 12.5050% | 1,382 |
| Tier 1 risk-based capital ratio | 18.4775% | 2,132 |
| Total risk-based capital ratio | 19.7284% | 2,094 |
| Memoranda: | ||
| Average total assets | $124,533,000 | 4,180 |
| Average earning assets | $118,221,500 | 4,088 |
| Average equity | $15,371,000 | 3,797 |
| Average total loans | $87,110,500 | 3,767 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,928 |
| Cost of funding earning assets | 0.6428% | 2,271 |
| Net interest margin | 3.6662% | 3,194 |
| Noninterest income to average assets | 0.4790% | 3,893 |
| Noninterest expense to average assets | 3.4711% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0016% | 2,317 |
| Return on assets (ROA) | 1.0016% | 2,385 |
| Pretax return on assets | 0.4617% | 5,317 |
| Return on Equity (ROE) | 8.6664% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.6664% | 857 |
| Net charge-offs to loans | -0.1551% | 6,570 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2613% | 1,188 |
| Assets per employee ($millions) | 4.7762% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 2,374 |
| Loan loss allowance to noncurrent loans | 88.8228% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.2966% | 1,537 |
| Noncurrent loans to loans | 1.9238% | 2,087 |
| Net loans and leases to total assets | 69.2022% | 2,143 |
| Net loans and leases to deposits | 78.9984% | 2,589 |
| Net loans and leases to core deposits | 85.7816% | 2,473 |
| Total domestic deposits to total assets | 87.5996% | 2,421 |
| Equity capital to assets | 12.2780% | 1,634 |
| Core capital (leverage) ratio | 11.8906% | 1,684 |
| Tier 1 risk-based capital ratio | 18.1319% | 2,208 |
| Total risk-based capital ratio | 19.3829% | 2,167 |
| Memoranda: | ||
| Average total assets | $126,501,200 | 4,136 |
| Average earning assets | $119,170,600 | 4,062 |
| Average equity | $14,619,600 | 3,940 |
| Average total loans | $83,811,400 | 3,831 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 3,074 |
| Cost of funding earning assets | 0.6518% | 2,348 |
| Net interest margin | 3.6293% | 3,325 |
| Noninterest income to average assets | 0.4763% | 3,964 |
| Noninterest expense to average assets | 3.2556% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7187% | 3,763 |
| Return on assets (ROA) | 0.7187% | 3,895 |
| Pretax return on assets | 0.6327% | 4,906 |
| Return on Equity (ROE) | 6.3149% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.3149% | 2,226 |
| Net charge-offs to loans | -0.1865% | 6,637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7291% | 1,638 |
| Assets per employee ($millions) | 5.0130% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 2,442 |
| Loan loss allowance to noncurrent loans | 87.8338% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 2.4298% | 1,595 |
| Noncurrent loans to loans | 1.9982% | 2,248 |
| Net loans and leases to total assets | 63.5604% | 3,066 |
| Net loans and leases to deposits | 71.6650% | 3,554 |
| Net loans and leases to core deposits | 77.1970% | 3,469 |
| Total domestic deposits to total assets | 88.6910% | 1,729 |
| Equity capital to assets | 11.2269% | 2,534 |
| Core capital (leverage) ratio | 11.3590% | 2,158 |
| Tier 1 risk-based capital ratio | 17.6927% | 2,443 |
| Total risk-based capital ratio | 18.9497% | 2,406 |
| Memoranda: | ||
| Average total assets | $127,081,250 | 4,176 |
| Average earning assets | $119,470,500 | 4,104 |
| Average equity | $14,462,750 | 4,022 |
| Average total loans | $82,906,750 | 3,884 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 2,733 |
| Cost of funding earning assets | 0.6645% | 2,363 |
| Net interest margin | 3.6920% | 2,984 |
| Noninterest income to average assets | 0.2333% | 5,776 |
| Noninterest expense to average assets | 3.1430% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5476% | 4,563 |
| Return on assets (ROA) | 0.5476% | 4,730 |
| Pretax return on assets | 0.5476% | 5,208 |
| Return on Equity (ROE) | 4.7897% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.7897% | 3,192 |
| Net charge-offs to loans | -0.0582% | 6,320 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1613% | 1,503 |
| Assets per employee ($millions) | 5.1934% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 2,888 |
| Loan loss allowance to noncurrent loans | 80.8387% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 3.5999% | 1,049 |
| Noncurrent loans to loans | 2.0695% | 2,313 |
| Net loans and leases to total assets | 62.8308% | 3,133 |
| Net loans and leases to deposits | 70.7556% | 3,620 |
| Net loans and leases to core deposits | 75.5140% | 3,605 |
| Total domestic deposits to total assets | 88.7997% | 1,734 |
| Equity capital to assets | 11.1256% | 2,629 |
| Core capital (leverage) ratio | 11.4358% | 1,989 |
| Tier 1 risk-based capital ratio | 17.4811% | 2,520 |
| Total risk-based capital ratio | 18.7366% | 2,488 |
| Memoranda: | ||
| Average total assets | $125,995,330 | 4,221 |
| Average earning assets | $117,985,330 | 4,158 |
| Average equity | $14,406,000 | 4,070 |
| Average total loans | $82,434,330 | 3,917 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 2,600 |
| Cost of funding earning assets | 0.6906% | 2,305 |
| Net interest margin | 3.6876% | 2,904 |
| Noninterest income to average assets | 0.3159% | 5,165 |
| Noninterest expense to average assets | 3.0949% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6641% | 3,879 |
| Return on assets (ROA) | 0.6641% | 4,037 |
| Pretax return on assets | 0.6641% | 4,730 |
| Return on Equity (ROE) | 5.7276% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.7276% | 2,825 |
| Net charge-offs to loans | -0.0487% | 6,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3328% | 1,991 |
| Assets per employee ($millions) | 4.8116% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 3,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3781% | 1,956 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 65.5993% | 2,442 |
| Net loans and leases to deposits | 74.3648% | 2,874 |
| Net loans and leases to core deposits | 79.7873% | 2,834 |
| Total domestic deposits to total assets | 88.2128% | 2,186 |
| Equity capital to assets | 11.6089% | 2,323 |
| Core capital (leverage) ratio | 11.6399% | 1,789 |
| Tier 1 risk-based capital ratio | 17.0431% | 2,725 |
| Total risk-based capital ratio | 18.3029% | 2,697 |
| Memoranda: | ||
| Average total assets | $124,075,000 | 4,304 |
| Average earning assets | $115,847,000 | 4,243 |
| Average equity | $14,386,500 | 4,120 |
| Average total loans | $82,169,000 | 3,952 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5369% | 3,253 |
| Cost of funding earning assets | 0.7397% | 3,163 |
| Net interest margin | 3.7972% | 3,239 |
| Noninterest income to average assets | 0.5342% | 3,684 |
| Noninterest expense to average assets | 3.7368% | 1,345 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3371% | 5,342 |
| Return on assets (ROA) | 0.3507% | 5,511 |
| Pretax return on assets | 0.3507% | 5,711 |
| Return on Equity (ROE) | 3.0416% | 5,539 |
| Retained earnings to average equity (ytd only) | 3.0416% | 4,094 |
| Net charge-offs to loans | -0.0992% | 6,823 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7260% | 938 |
| Assets per employee ($millions) | 4.7326% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 2,983 |
| Loan loss allowance to noncurrent loans | 45,466.6667% | 8 |
| Noncurrent assets plus other real estate owned to assets | 2.8127% | 1,699 |
| Noncurrent loans to loans | 0.0037% | 6,583 |
| Net loans and leases to total assets | 64.6366% | 2,791 |
| Net loans and leases to deposits | 73.2877% | 3,210 |
| Net loans and leases to core deposits | 78.1384% | 3,239 |
| Total domestic deposits to total assets | 88.1957% | 2,098 |
| Equity capital to assets | 11.5808% | 2,364 |
| Core capital (leverage) ratio | 11.4820% | 1,893 |
| Tier 1 risk-based capital ratio | 17.4309% | 2,473 |
| Total risk-based capital ratio | 18.6866% | 2,447 |
| Memoranda: | ||
| Average total assets | $117,185,000 | 4,417 |
| Average earning assets | $109,237,600 | 4,361 |
| Average equity | $13,512,800 | 4,256 |
| Average total loans | $74,561,800 | 4,190 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 3,485 |
| Cost of funding earning assets | 0.7477% | 3,372 |
| Net interest margin | 3.7891% | 3,383 |
| Noninterest income to average assets | 0.2754% | 5,577 |
| Noninterest expense to average assets | 3.6490% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1590% | 6,011 |
| Return on assets (ROA) | 0.1774% | 6,128 |
| Pretax return on assets | 0.1774% | 6,160 |
| Return on Equity (ROE) | 1.5405% | 6,144 |
| Retained earnings to average equity (ytd only) | 1.5405% | 5,563 |
| Net charge-offs to loans | -0.0950% | 6,842 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8245% | 685 |
| Assets per employee ($millions) | 4.8217% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 2,997 |
| Loan loss allowance to noncurrent loans | 5,834.7826% | 122 |
| Noncurrent assets plus other real estate owned to assets | 3.3498% | 1,510 |
| Noncurrent loans to loans | 0.0298% | 6,551 |
| Net loans and leases to total assets | 62.8838% | 3,226 |
| Net loans and leases to deposits | 71.4237% | 3,686 |
| Net loans and leases to core deposits | 76.3394% | 3,683 |
| Total domestic deposits to total assets | 88.0433% | 2,021 |
| Equity capital to assets | 11.6382% | 2,611 |
| Core capital (leverage) ratio | 11.6568% | 1,867 |
| Tier 1 risk-based capital ratio | 18.0514% | 2,314 |
| Total risk-based capital ratio | 19.2783% | 2,304 |
| Memoranda: | ||
| Average total assets | $115,719,250 | 4,491 |
| Average earning assets | $107,884,500 | 4,440 |
| Average equity | $13,328,500 | 4,332 |
| Average total loans | $72,977,750 | 4,295 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 3,833 |
| Cost of funding earning assets | 0.7586% | 3,532 |
| Net interest margin | 3.7253% | 3,700 |
| Noninterest income to average assets | 0.2717% | 5,633 |
| Noninterest expense to average assets | 3.7192% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0298% | 6,285 |
| Return on assets (ROA) | 0.0578% | 6,382 |
| Pretax return on assets | 0.0578% | 6,378 |
| Return on Equity (ROE) | 0.5040% | 6,388 |
| Retained earnings to average equity (ytd only) | 0.5040% | 5,866 |
| Net charge-offs to loans | -0.1369% | 6,923 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2052% | 589 |
| Assets per employee ($millions) | 4.5990% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 2,658 |
| Loan loss allowance to noncurrent loans | 5,579.1667% | 109 |
| Noncurrent assets plus other real estate owned to assets | 3.4079% | 1,575 |
| Noncurrent loans to loans | 0.0334% | 6,602 |
| Net loans and leases to total assets | 58.9292% | 4,000 |
| Net loans and leases to deposits | 66.7146% | 4,414 |
| Net loans and leases to core deposits | 70.6045% | 4,456 |
| Total domestic deposits to total assets | 88.3302% | 1,938 |
| Equity capital to assets | 11.4515% | 2,636 |
| Core capital (leverage) ratio | 11.5070% | 1,900 |
| Tier 1 risk-based capital ratio | 19.1413% | 1,928 |
| Total risk-based capital ratio | 20.4010% | 1,906 |
| Memoranda: | ||
| Average total assets | $114,111,330 | 4,562 |
| Average earning assets | $106,515,670 | 4,500 |
| Average equity | $13,095,000 | 4,378 |
| Average total loans | $71,589,000 | 4,370 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 3,866 |
| Cost of funding earning assets | 0.7741% | 3,666 |
| Net interest margin | 3.7364% | 3,660 |
| Noninterest income to average assets | 0.1975% | 6,202 |
| Noninterest expense to average assets | 3.8463% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1472% | 6,577 |
| Return on assets (ROA) | -0.0934% | 6,616 |
| Pretax return on assets | -0.0934% | 6,596 |
| Return on Equity (ROE) | -0.8128% | 6,610 |
| Retained earnings to average equity (ytd only) | -0.8128% | 6,126 |
| Net charge-offs to loans | -0.0895% | 6,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9806% | 448 |
| Assets per employee ($millions) | 4.1274% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 2,843 |
| Loan loss allowance to noncurrent loans | 2,374.5455% | 200 |
| Noncurrent assets plus other real estate owned to assets | 3.5953% | 1,585 |
| Noncurrent loans to loans | 0.0779% | 6,556 |
| Net loans and leases to total assets | 59.9837% | 3,670 |
| Net loans and leases to deposits | 68.0214% | 4,055 |
| Net loans and leases to core deposits | 72.0528% | 4,148 |
| Total domestic deposits to total assets | 88.1836% | 2,195 |
| Equity capital to assets | 11.5309% | 2,411 |
| Core capital (leverage) ratio | 11.6302% | 1,816 |
| Tier 1 risk-based capital ratio | 19.4136% | 1,867 |
| Total risk-based capital ratio | 20.6816% | 1,826 |
| Memoranda: | ||
| Average total assets | $111,380,000 | 4,671 |
| Average earning assets | $104,379,000 | 4,590 |
| Average equity | $12,796,000 | 4,438 |
| Average total loans | $71,482,000 | 4,400 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9505% | 3,106 |
| Cost of funding earning assets | 0.9198% | 3,961 |
| Net interest margin | 4.0307% | 2,730 |
| Noninterest income to average assets | -0.0120% | 7,016 |
| Noninterest expense to average assets | 4.3537% | 682 |
| Loan and lease loss provision to assets | -0.4649% | 7,333 |
| Net operating income to assets | -0.1528% | 6,209 |
| Return on assets (ROA) | -0.0773% | 6,218 |
| Pretax return on assets | -0.0773% | 6,194 |
| Return on Equity (ROE) | -0.7789% | 6,225 |
| Retained earnings to average equity (ytd only) | -0.7789% | 5,975 |
| Net charge-offs to loans | 0.6431% | 2,539 |
| Credit loss provision to net charge-offs | -105.8700% | 6,705 |
| Earnings coverage of net charge-offs (x) | -1.4067% | 6,243 |
| Efficiency ratio | 116.5352% | 339 |
| Assets per employee ($millions) | 3.4578% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 2,923 |
| Loan loss allowance to noncurrent loans | 811.3208% | 466 |
| Noncurrent assets plus other real estate owned to assets | 3.9434% | 1,457 |
| Noncurrent loans to loans | 0.2198% | 6,302 |
| Net loans and leases to total assets | 66.2792% | 2,732 |
| Net loans and leases to deposits | 75.2168% | 3,310 |
| Net loans and leases to core deposits | 79.7284% | 3,479 |
| Total domestic deposits to total assets | 88.1176% | 2,084 |
| Equity capital to assets | 11.4430% | 2,553 |
| Core capital (leverage) ratio | 10.8900% | 2,356 |
| Tier 1 risk-based capital ratio | 18.0621% | 2,172 |
| Total risk-based capital ratio | 19.3204% | 2,148 |
| Memoranda: | ||
| Average total assets | $108,619,200 | 4,676 |
| Average earning assets | $100,999,000 | 4,610 |
| Average equity | $10,783,800 | 4,833 |
| Average total loans | $74,168,200 | 4,342 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 3,369 |
| Cost of funding earning assets | 0.9567% | 3,991 |
| Net interest margin | 3.9865% | 2,968 |
| Noninterest income to average assets | -0.0905% | 7,202 |
| Noninterest expense to average assets | 4.3018% | 712 |
| Loan and lease loss provision to assets | -0.6179% | 7,417 |
| Net operating income to assets | -0.0783% | 6,257 |
| Return on assets (ROA) | 0.0220% | 6,222 |
| Pretax return on assets | 0.0220% | 6,209 |
| Return on Equity (ROE) | 0.2305% | 6,214 |
| Retained earnings to average equity (ytd only) | 0.2305% | 5,888 |
| Net charge-offs to loans | 0.8326% | 1,910 |
| Credit loss provision to net charge-offs | -108.3691% | 6,526 |
| Earnings coverage of net charge-offs (x) | -1.2210% | 5,958 |
| Efficiency ratio | 119.3078% | 312 |
| Assets per employee ($millions) | 3.7465% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 2,661 |
| Loan loss allowance to noncurrent loans | 108.0565% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 5.9329% | 906 |
| Noncurrent loans to loans | 1.7441% | 3,708 |
| Net loans and leases to total assets | 62.3389% | 3,642 |
| Net loans and leases to deposits | 70.5065% | 4,215 |
| Net loans and leases to core deposits | 74.4425% | 4,390 |
| Total domestic deposits to total assets | 88.4158% | 1,801 |
| Equity capital to assets | 11.3311% | 2,830 |
| Core capital (leverage) ratio | 11.0567% | 2,340 |
| Tier 1 risk-based capital ratio | 18.0090% | 2,249 |
| Total risk-based capital ratio | 19.2638% | 2,206 |
| Memoranda: | ||
| Average total assets | $108,976,000 | 4,698 |
| Average earning assets | $101,038,500 | 4,641 |
| Average equity | $10,413,250 | 4,935 |
| Average total loans | $74,626,250 | 4,361 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0007% | 3,153 |
| Cost of funding earning assets | 0.9962% | 3,977 |
| Net interest margin | 4.0045% | 2,811 |
| Noninterest income to average assets | -0.2585% | 7,367 |
| Noninterest expense to average assets | 4.4864% | 600 |
| Loan and lease loss provision to assets | -0.9259% | 7,500 |
| Net operating income to assets | -0.0898% | 6,341 |
| Return on assets (ROA) | 0.0605% | 6,175 |
| Pretax return on assets | 0.0605% | 6,170 |
| Return on Equity (ROE) | 0.6748% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.6748% | 5,582 |
| Net charge-offs to loans | 1.2054% | 1,300 |
| Credit loss provision to net charge-offs | -109.5445% | 6,316 |
| Earnings coverage of net charge-offs (x) | -1.2017% | 5,658 |
| Efficiency ratio | 129.2657% | 260 |
| Assets per employee ($millions) | 3.8784% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 2,844 |
| Loan loss allowance to noncurrent loans | 97.0282% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 6.3705% | 845 |
| Noncurrent loans to loans | 1.9006% | 3,609 |
| Net loans and leases to total assets | 64.0112% | 3,459 |
| Net loans and leases to deposits | 71.8562% | 4,136 |
| Net loans and leases to core deposits | 75.4363% | 4,385 |
| Total domestic deposits to total assets | 89.0824% | 1,490 |
| Equity capital to assets | 10.6570% | 3,325 |
| Core capital (leverage) ratio | 10.6869% | 2,532 |
| Tier 1 risk-based capital ratio | 16.3022% | 2,829 |
| Total risk-based capital ratio | 17.5636% | 2,795 |
| Memoranda: | ||
| Average total assets | $109,085,330 | 4,725 |
| Average earning assets | $101,586,330 | 4,662 |
| Average equity | $9,780,670 | 5,104 |
| Average total loans | $76,491,330 | 4,329 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 2,880 |
| Cost of funding earning assets | 1.0785% | 3,664 |
| Net interest margin | 3.9676% | 2,839 |
| Noninterest income to average assets | 0.3146% | 5,410 |
| Noninterest expense to average assets | 4.2221% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1793% | 6,539 |
| Return on assets (ROA) | -0.1793% | 6,559 |
| Pretax return on assets | -0.1793% | 6,524 |
| Return on Equity (ROE) | -2.2061% | 6,608 |
| Retained earnings to average equity (ytd only) | -2.2061% | 6,183 |
| Net charge-offs to loans | 1.5430% | 882 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.1601% | 4,671 |
| Efficiency ratio | 104.4344% | 612 |
| Assets per employee ($millions) | 3.7859% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5618% | 1,366 |
| Loan loss allowance to noncurrent loans | 50.4879% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 6.6763% | 818 |
| Noncurrent loans to loans | 5.0741% | 1,323 |
| Net loans and leases to total assets | 68.1076% | 2,527 |
| Net loans and leases to deposits | 75.7041% | 3,467 |
| Net loans and leases to core deposits | 80.0522% | 3,749 |
| Total domestic deposits to total assets | 89.9655% | 1,169 |
| Equity capital to assets | 9.9134% | 3,882 |
| Core capital (leverage) ratio | 10.2180% | 2,911 |
| Tier 1 risk-based capital ratio | 14.7738% | 3,563 |
| Total risk-based capital ratio | 16.0471% | 3,512 |
| Memoranda: | ||
| Average total assets | $109,330,500 | 4,753 |
| Average earning assets | $102,731,000 | 4,664 |
| Average equity | $8,884,500 | 5,363 |
| Average total loans | $79,327,500 | 4,277 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8765% | 1,091 |
| Cost of funding earning assets | 1.5941% | 2,102 |
| Net interest margin | 4.2824% | 1,887 |
| Noninterest income to average assets | 0.1230% | 6,787 |
| Noninterest expense to average assets | 4.8632% | 468 |
| Loan and lease loss provision to assets | 2.0266% | 645 |
| Net operating income to assets | -2.7145% | 7,229 |
| Return on assets (ROA) | -2.6166% | 7,229 |
| Pretax return on assets | -2.6166% | 7,202 |
| Return on Equity (ROE) | -35.6107% | 7,295 |
| Retained earnings to average equity (ytd only) | -35.6107% | 7,286 |
| Net charge-offs to loans | 1.4946% | 1,472 |
| Credit loss provision to net charge-offs | 165.3004% | 2,076 |
| Earnings coverage of net charge-offs (x) | -0.5611% | 6,478 |
| Efficiency ratio | 116.4764% | 445 |
| Assets per employee ($millions) | 3.4022% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7737% | 1,089 |
| Loan loss allowance to noncurrent loans | 147.0550% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 4.6578% | 1,421 |
| Noncurrent loans to loans | 1.8861% | 3,704 |
| Net loans and leases to total assets | 73.1524% | 1,836 |
| Net loans and leases to deposits | 78.1629% | 3,487 |
| Net loans and leases to core deposits | 82.9274% | 3,757 |
| Total domestic deposits to total assets | 93.5896% | 106 |
| Equity capital to assets | 6.3241% | 7,291 |
| Core capital (leverage) ratio | 6.1904% | 7,264 |
| Tier 1 risk-based capital ratio | 8.6183% | 7,296 |
| Total risk-based capital ratio | 9.8884% | 7,302 |
| Memoranda: | ||
| Average total assets | $115,416,800 | 4,583 |
| Average earning assets | $109,215,200 | 4,486 |
| Average equity | $8,480,600 | 5,551 |
| Average total loans | $94,673,600 | 3,936 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9401% | 1,055 |
| Cost of funding earning assets | 1.6694% | 2,007 |
| Net interest margin | 4.2707% | 1,949 |
| Noninterest income to average assets | 0.0934% | 7,077 |
| Noninterest expense to average assets | 4.8068% | 444 |
| Loan and lease loss provision to assets | 2.3054% | 480 |
| Net operating income to assets | -2.9684% | 7,445 |
| Return on assets (ROA) | -2.8397% | 7,433 |
| Pretax return on assets | -2.8397% | 7,383 |
| Return on Equity (ROE) | -37.4336% | 7,471 |
| Retained earnings to average equity (ytd only) | -37.4336% | 7,468 |
| Net charge-offs to loans | 1.5095% | 1,328 |
| Credit loss provision to net charge-offs | 182.6715% | 1,993 |
| Earnings coverage of net charge-offs (x) | -0.5253% | 6,334 |
| Efficiency ratio | 115.9978% | 433 |
| Assets per employee ($millions) | 3.4069% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5440% | 1,280 |
| Loan loss allowance to noncurrent loans | 109.4778% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 5.0636% | 1,269 |
| Noncurrent loans to loans | 2.3237% | 3,312 |
| Net loans and leases to total assets | 77.1429% | 1,191 |
| Net loans and leases to deposits | 82.7168% | 2,960 |
| Net loans and leases to core deposits | 89.8246% | 3,123 |
| Total domestic deposits to total assets | 93.2615% | 90 |
| Equity capital to assets | 6.6228% | 7,406 |
| Core capital (leverage) ratio | 6.4172% | 7,356 |
| Tier 1 risk-based capital ratio | 8.6898% | 7,417 |
| Total risk-based capital ratio | 9.9640% | 7,426 |
| Memoranda: | ||
| Average total assets | $117,053,500 | 4,607 |
| Average earning assets | $111,016,750 | 4,508 |
| Average equity | $8,879,500 | 5,529 |
| Average total loans | $97,863,750 | 3,919 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0615% | 826 |
| Cost of funding earning assets | 1.7144% | 2,047 |
| Net interest margin | 4.3470% | 1,604 |
| Noninterest income to average assets | 0.2648% | 6,022 |
| Noninterest expense to average assets | 4.4201% | 632 |
| Loan and lease loss provision to assets | 1.3188% | 1,033 |
| Net operating income to assets | -1.3221% | 7,078 |
| Return on assets (ROA) | -1.1316% | 7,018 |
| Pretax return on assets | -1.1316% | 6,945 |
| Return on Equity (ROE) | -14.3417% | 7,121 |
| Retained earnings to average equity (ytd only) | -14.3417% | 7,080 |
| Net charge-offs to loans | 1.2378% | 1,542 |
| Credit loss provision to net charge-offs | 125.3205% | 3,221 |
| Earnings coverage of net charge-offs (x) | -0.0032% | 5,719 |
| Efficiency ratio | 100.0764% | 797 |
| Assets per employee ($millions) | 3.4993% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 3,681 |
| Loan loss allowance to noncurrent loans | 71.0042% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 3.8294% | 1,814 |
| Noncurrent loans to loans | 2.1782% | 3,500 |
| Net loans and leases to total assets | 78.2747% | 1,067 |
| Net loans and leases to deposits | 84.8283% | 2,736 |
| Net loans and leases to core deposits | 100.1630% | 1,999 |
| Total domestic deposits to total assets | 92.2743% | 179 |
| Equity capital to assets | 7.5346% | 7,089 |
| Core capital (leverage) ratio | 7.7090% | 6,599 |
| Tier 1 risk-based capital ratio | 9.4479% | 7,280 |
| Total risk-based capital ratio | 10.7014% | 7,288 |
| Memoranda: | ||
| Average total assets | $118,595,000 | 4,605 |
| Average earning assets | $113,272,670 | 4,468 |
| Average equity | $9,357,330 | 5,397 |
| Average total loans | $100,820,000 | 3,866 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2457% | 583 |
| Cost of funding earning assets | 1.7814% | 1,962 |
| Net interest margin | 4.4643% | 1,223 |
| Noninterest income to average assets | 0.2332% | 6,291 |
| Noninterest expense to average assets | 4.2999% | 722 |
| Loan and lease loss provision to assets | 0.3257% | 3,452 |
| Net operating income to assets | -0.0789% | 6,414 |
| Return on assets (ROA) | -0.0789% | 6,489 |
| Pretax return on assets | -0.0789% | 6,437 |
| Return on Equity (ROE) | -0.9764% | 6,526 |
| Retained earnings to average equity (ytd only) | -0.9764% | 6,044 |
| Net charge-offs to loans | -0.0039% | 6,796 |
| Credit loss provision to net charge-offs | -9,500.0000% | 6,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5701% | 1,103 |
| Assets per employee ($millions) | 3.4390% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 4,553 |
| Loan loss allowance to noncurrent loans | 116.2641% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 1.0319% | 5,089 |
| Noncurrent loans to loans | 1.1816% | 5,002 |
| Net loans and leases to total assets | 86.1254% | 209 |
| Net loans and leases to deposits | 93.7627% | 1,377 |
| Net loans and leases to core deposits | 112.8930% | 1,108 |
| Total domestic deposits to total assets | 91.8547% | 275 |
| Equity capital to assets | 8.0232% | 6,630 |
| Core capital (leverage) ratio | 8.2043% | 5,901 |
| Tier 1 risk-based capital ratio | 9.8435% | 7,123 |
| Total risk-based capital ratio | 11.0910% | 7,124 |
| Memoranda: | ||
| Average total assets | $116,655,000 | 4,705 |
| Average earning assets | $112,717,500 | 4,548 |
| Average equity | $9,422,000 | 5,418 |
| Average total loans | $102,543,500 | 3,870 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4746% | 710 |
| Cost of funding earning assets | 2.1995% | 2,037 |
| Net interest margin | 4.2751% | 1,801 |
| Noninterest income to average assets | 0.2294% | 6,469 |
| Noninterest expense to average assets | 5.7349% | 349 |
| Loan and lease loss provision to assets | 1.1562% | 1,977 |
| Net operating income to assets | -2.5614% | 7,284 |
| Return on assets (ROA) | -2.5603% | 7,284 |
| Pretax return on assets | -2.5603% | 7,159 |
| Return on Equity (ROE) | -19.8968% | 7,142 |
| Retained earnings to average equity (ytd only) | -19.8968% | 7,105 |
| Net charge-offs to loans | 0.3114% | 4,687 |
| Credit loss provision to net charge-offs | 441.8502% | 703 |
| Earnings coverage of net charge-offs (x) | -5.3700% | 7,113 |
| Efficiency ratio | 132.4547% | 452 |
| Assets per employee ($millions) | 3.0526% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 4,493 |
| Loan loss allowance to noncurrent loans | 78.6006% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.5184% | 4,100 |
| Noncurrent loans to loans | 1.7154% | 4,064 |
| Net loans and leases to total assets | 87.3258% | 207 |
| Net loans and leases to deposits | 95.2377% | 1,427 |
| Net loans and leases to core deposits | 124.6868% | 1,592 |
| Total domestic deposits to total assets | 91.6925% | 329 |
| Equity capital to assets | 8.1340% | 6,422 |
| Core capital (leverage) ratio | 8.3423% | 5,544 |
| Tier 1 risk-based capital ratio | 9.1782% | 7,388 |
| Total risk-based capital ratio | 10.4302% | 7,390 |
| Memoranda: | ||
| Average total assets | $86,749,200 | 5,496 |
| Average earning assets | $83,202,600 | 5,355 |
| Average equity | $11,162,600 | 4,973 |
| Average total loans | $72,896,400 | 4,767 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3895% | 944 |
| Cost of funding earning assets | 2.2555% | 2,169 |
| Net interest margin | 4.1340% | 2,270 |
| Noninterest income to average assets | 0.2444% | 6,485 |
| Noninterest expense to average assets | 5.0107% | 481 |
| Loan and lease loss provision to assets | 1.1637% | 1,668 |
| Net operating income to assets | -1.9750% | 7,306 |
| Return on assets (ROA) | -1.9734% | 7,308 |
| Pretax return on assets | -1.9734% | 7,172 |
| Return on Equity (ROE) | -13.5772% | 7,108 |
| Retained earnings to average equity (ytd only) | -13.5772% | 7,046 |
| Net charge-offs to loans | 0.0181% | 6,660 |
| Credit loss provision to net charge-offs | 7,777.7778% | 46 |
| Earnings coverage of net charge-offs (x) | -54.2208% | 6,964 |
| Efficiency ratio | 119.3191% | 594 |
| Assets per employee ($millions) | 3.1500% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 3,827 |
| Loan loss allowance to noncurrent loans | 118.5915% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 1.0245% | 5,028 |
| Noncurrent loans to loans | 1.1992% | 4,943 |
| Net loans and leases to total assets | 84.2230% | 511 |
| Net loans and leases to deposits | 94.3152% | 1,829 |
| Net loans and leases to core deposits | 123.1471% | 1,983 |
| Total domestic deposits to total assets | 89.2996% | 1,059 |
| Equity capital to assets | 10.5061% | 3,505 |
| Core capital (leverage) ratio | 11.2351% | 2,234 |
| Tier 1 risk-based capital ratio | 12.2402% | 4,757 |
| Total risk-based capital ratio | 13.4929% | 4,696 |
| Memoranda: | ||
| Average total assets | $80,200,000 | 5,757 |
| Average earning assets | $76,727,500 | 5,607 |
| Average equity | $11,656,500 | 4,881 |
| Average total loans | $66,125,750 | 5,058 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9721% | 2,293 |
| Cost of funding earning assets | 2.2945% | 2,376 |
| Net interest margin | 3.6776% | 4,056 |
| Noninterest income to average assets | 0.2601% | 6,418 |
| Noninterest expense to average assets | 5.1934% | 455 |
| Loan and lease loss provision to assets | 0.9214% | 1,830 |
| Net operating income to assets | -2.3601% | 7,529 |
| Return on assets (ROA) | -2.3574% | 7,520 |
| Pretax return on assets | -2.3574% | 7,382 |
| Return on Equity (ROE) | -14.3173% | 7,303 |
| Retained earnings to average equity (ytd only) | -14.3173% | 7,205 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.3198% | 449 |
| Assets per employee ($millions) | 2.9938% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 4,821 |
| Loan loss allowance to noncurrent loans | 331.5018% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 6,674 |
| Noncurrent loans to loans | 0.3679% | 6,592 |
| Net loans and leases to total assets | 84.4323% | 576 |
| Net loans and leases to deposits | 97.9385% | 1,524 |
| Net loans and leases to core deposits | 155.2151% | 541 |
| Total domestic deposits to total assets | 86.2096% | 2,670 |
| Equity capital to assets | 13.2157% | 1,599 |
| Core capital (leverage) ratio | 14.2447% | 1,082 |
| Tier 1 risk-based capital ratio | 14.8895% | 3,071 |
| Total risk-based capital ratio | 16.0715% | 3,028 |
| Memoranda: | ||
| Average total assets | $72,283,670 | 6,024 |
| Average earning assets | $68,685,670 | 5,931 |
| Average equity | $11,901,670 | 4,838 |
| Average total loans | $58,563,670 | 5,399 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9095% | 2,749 |
| Cost of funding earning assets | 2.2422% | 2,950 |
| Net interest margin | 3.6673% | 4,031 |
| Noninterest income to average assets | 0.2646% | 6,334 |
| Noninterest expense to average assets | 5.0881% | 455 |
| Loan and lease loss provision to assets | 0.6152% | 2,046 |
| Net operating income to assets | -1.9872% | 7,658 |
| Return on assets (ROA) | -1.9872% | 7,656 |
| Pretax return on assets | -1.9872% | 7,531 |
| Return on Equity (ROE) | -10.6640% | 7,407 |
| Retained earnings to average equity (ytd only) | -10.6640% | 7,171 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.9205% | 438 |
| Assets per employee ($millions) | 3.4207% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 4,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.3394% | 2,668 |
| Net loans and leases to deposits | 89.6682% | 2,980 |
| Net loans and leases to core deposits | 132.3445% | 1,512 |
| Total domestic deposits to total assets | 82.9050% | 4,189 |
| Equity capital to assets | 16.7316% | 756 |
| Core capital (leverage) ratio | 19.1850% | 439 |
| Tier 1 risk-based capital ratio | 20.2913% | 1,564 |
| Total risk-based capital ratio | 21.4388% | 1,541 |
| Memoranda: | ||
| Average total assets | $65,015,000 | 6,290 |
| Average earning assets | $61,189,500 | 6,208 |
| Average equity | $12,115,500 | 4,806 |
| Average total loans | $50,740,500 | 5,771 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3943% | 7,466 |
| Cost of funding earning assets | 2.1657% | 5,751 |
| Net interest margin | 3.2286% | 6,274 |
| Noninterest income to average assets | 0.1496% | 7,347 |
| Noninterest expense to average assets | 7.9027% | 226 |
| Loan and lease loss provision to assets | 1.2837% | 1,111 |
| Net operating income to assets | -5.9071% | 8,147 |
| Return on assets (ROA) | -5.8926% | 8,138 |
| Pretax return on assets | -5.8926% | 8,096 |
| Return on Equity (ROE) | -18.4488% | 7,726 |
| Retained earnings to average equity (ytd only) | -18.4488% | 7,637 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 240.9860% | 149 |
| Assets per employee ($millions) | 3.0629% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 4,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 80.4798% | 1,555 |
| Net loans and leases to deposits | 102.2933% | 1,555 |
| Net loans and leases to core deposits | 151.5238% | 798 |
| Total domestic deposits to total assets | 78.6755% | 5,492 |
| Equity capital to assets | 20.9843% | 404 |
| Core capital (leverage) ratio | 21.2307% | 361 |
| Tier 1 risk-based capital ratio | 24.2934% | 1,054 |
| Total risk-based capital ratio | 25.4360% | 1,049 |
| Memoranda: | ||
| Average total assets | $41,441,600 | 7,149 |
| Average earning assets | $40,172,200 | 7,034 |
| Average equity | $13,236,600 | 4,512 |
| Average total loans | $23,516,800 | 7,106 |