Home > ANZ Guam, Inc. > Performance and Condition Ratios
ANZ Guam, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6718% | 2,735 |
| Cost of funding earning assets | 0.0087% | 4,515 |
| Net interest margin | 4.6631% | 493 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 19.4574% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -18.4906% | 4,608 |
| Return on assets (ROA) | -18.4906% | 4,608 |
| Pretax return on assets | -14.9690% | 4,605 |
| Return on Equity (ROE) | -38.3000% | 4,567 |
| Retained earnings to average equity (ytd only) | -38.2950% | 4,552 |
| Net charge-offs to loans | 61.1937% | 1 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -8.4579% | 4,551 |
| Efficiency ratio | 433.5008% | 6 |
| Assets per employee ($millions) | 9.3560% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 72.2504% | 112 |
| Core capital (leverage) ratio | 70.6743% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $66,504,200 | 4,151 |
| Average earning assets | $57,751,000 | 4,165 |
| Average equity | $32,111,200 | 2,182 |
| Average total loans | $1,923,400 | 4,472 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2437% | 3,389 |
| Cost of funding earning assets | 0.0094% | 4,543 |
| Net interest margin | 4.2344% | 880 |
| Noninterest income to average assets | 1.7600% | 335 |
| Noninterest expense to average assets | 20.1836% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -18.5679% | 4,636 |
| Return on assets (ROA) | -18.5679% | 4,635 |
| Pretax return on assets | -14.3353% | 4,634 |
| Return on Equity (ROE) | -41.0400% | 4,598 |
| Retained earnings to average equity (ytd only) | -41.0384% | 4,585 |
| Net charge-offs to loans | 65.2717% | 1 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -6.7392% | 4,590 |
| Efficiency ratio | 345.1174% | 11 |
| Assets per employee ($millions) | 1.7734% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 24.1900% | 4,528 |
| Equity capital to assets | 74.4912% | 113 |
| Core capital (leverage) ratio | 74.7595% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $73,774,250 | 4,099 |
| Average earning assets | $71,256,250 | 4,043 |
| Average equity | $33,379,250 | 2,108 |
| Average total loans | $2,404,250 | 4,497 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 2,948 |
| Cost of funding earning assets | 0.0170% | 4,564 |
| Net interest margin | 4.3585% | 744 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 19.4913% | 70 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -20.7261% | 4,663 |
| Return on assets (ROA) | -20.7261% | 4,662 |
| Pretax return on assets | -15.2388% | 4,662 |
| Return on Equity (ROE) | -50.8100% | 4,630 |
| Retained earnings to average equity (ytd only) | -50.8123% | 4,613 |
| Net charge-offs to loans | -83.3524% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 458.3471% | 4 |
| Assets per employee ($millions) | 1.2788% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 95.2616% | 8 |
| Loan loss allowance to noncurrent loans | 154.3612% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 4.1068% | 37 |
| Noncurrent loans to loans | 61.7134% | 1 |
| Net loans and leases to total assets | 0.3200% | 4,528 |
| Net loans and leases to deposits | 1.5678% | 4,527 |
| Net loans and leases to core deposits | 1.5678% | 4,512 |
| Total domestic deposits to total assets | 20.1100% | 4,558 |
| Equity capital to assets | 76.9134% | 106 |
| Core capital (leverage) ratio | 60.6055% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $85,361,000 | 4,001 |
| Average earning assets | $82,367,333 | 3,935 |
| Average equity | $34,818,333 | 2,066 |
| Average total loans | $3,205,667 | 4,524 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 3,082 |
| Cost of funding earning assets | 0.0269% | 4,603 |
| Net interest margin | 4.1556% | 1,010 |
| Noninterest income to average assets | -0.0600% | 4,659 |
| Noninterest expense to average assets | 12.6926% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -17.3867% | 4,689 |
| Return on assets (ROA) | -17.3867% | 4,688 |
| Pretax return on assets | -8.7451% | 4,677 |
| Return on Equity (ROE) | -50.8800% | 4,652 |
| Retained earnings to average equity (ytd only) | -50.8781% | 4,668 |
| Net charge-offs to loans | 28.0843% | 4 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -9.6571% | 4,665 |
| Efficiency ratio | 321.5356% | 9 |
| Assets per employee ($millions) | 2.1400% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 33.2738% | 1 |
| Loan loss allowance to noncurrent loans | 74.6197% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.8827% | 138 |
| Noncurrent loans to loans | 44.5912% | 1 |
| Net loans and leases to total assets | 2.8200% | 4,598 |
| Net loans and leases to deposits | 6.1281% | 4,593 |
| Net loans and leases to core deposits | 6.1281% | 4,577 |
| Total domestic deposits to total assets | 45.9700% | 4,585 |
| Equity capital to assets | 52.2015% | 83 |
| Core capital (leverage) ratio | 39.5367% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $108,220,500 | 3,834 |
| Average earning assets | $104,244,500 | 3,783 |
| Average equity | $36,982,500 | 2,009 |
| Average total loans | $3,489,500 | 4,593 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0232% | 4,604 |
| Cost of funding earning assets | 0.0487% | 4,577 |
| Net interest margin | 1.9745% | 4,558 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 4.9455% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -1.8158% | 4,686 |
| Return on assets (ROA) | -1.8158% | 4,685 |
| Pretax return on assets | -2.1387% | 4,686 |
| Return on Equity (ROE) | -13.4600% | 4,678 |
| Retained earnings to average equity (ytd only) | -13.4558% | 4,664 |
| Net charge-offs to loans | 2.4948% | 24 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -7.2166% | 4,692 |
| Efficiency ratio | 176.1963% | 27 |
| Assets per employee ($millions) | 2.0847% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 28.1714% | 2 |
| Loan loss allowance to noncurrent loans | 111.6698% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 663 |
| Noncurrent loans to loans | 25.2274% | 2 |
| Net loans and leases to total assets | 2.0000% | 4,628 |
| Net loans and leases to deposits | 2.7340% | 4,629 |
| Net loans and leases to core deposits | 2.7941% | 4,612 |
| Total domestic deposits to total assets | 73.1300% | 4,383 |
| Equity capital to assets | 26.2052% | 139 |
| Core capital (leverage) ratio | 21.0150% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $320,896,800 | 2,349 |
| Average earning assets | $305,802,000 | 2,308 |
| Average equity | $43,304,800 | 1,809 |
| Average total loans | $38,119,800 | 4,100 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5890% | 4,655 |
| Cost of funding earning assets | 0.0478% | 4,586 |
| Net interest margin | 1.5412% | 4,635 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 3.3157% | 584 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.6109% | 4,688 |
| Return on assets (ROA) | -0.6109% | 4,675 |
| Pretax return on assets | -0.8405% | 4,686 |
| Return on Equity (ROE) | -5.0100% | 4,663 |
| Retained earnings to average equity (ytd only) | -5.0145% | 4,603 |
| Net charge-offs to loans | 0.7638% | 70 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -8.5843% | 4,735 |
| Efficiency ratio | 133.9556% | 52 |
| Assets per employee ($millions) | 2.2601% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9125% | 43 |
| Loan loss allowance to noncurrent loans | 144.9377% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 848 |
| Noncurrent loans to loans | 3.3894% | 133 |
| Net loans and leases to total assets | 17.1400% | 4,608 |
| Net loans and leases to deposits | 21.7571% | 4,601 |
| Net loans and leases to core deposits | 22.7436% | 4,591 |
| Total domestic deposits to total assets | 78.7700% | 4,196 |
| Equity capital to assets | 20.6931% | 203 |
| Core capital (leverage) ratio | 14.8851% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $363,596,000 | 2,177 |
| Average earning assets | $346,207,500 | 2,139 |
| Average equity | $44,297,500 | 1,796 |
| Average total loans | $46,605,250 | 3,971 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1567% | 4,729 |
| Cost of funding earning assets | 0.0447% | 4,623 |
| Net interest margin | 1.1119% | 4,721 |
| Noninterest income to average assets | 1.0595% | 593 |
| Noninterest expense to average assets | 2.8433% | 1,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.5232% | 4,683 |
| Return on assets (ROA) | -0.5232% | 4,669 |
| Pretax return on assets | -0.7287% | 4,680 |
| Return on Equity (ROE) | -4.8693% | 4,670 |
| Retained earnings to average equity (ytd only) | -4.8693% | 4,532 |
| Net charge-offs to loans | 0.8927% | 73 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -6.8371% | 2,126 |
| Efficiency ratio | 134.4584% | 53 |
| Assets per employee ($millions) | 3.8233% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4656% | 51 |
| Loan loss allowance to noncurrent loans | 122.0729% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 1,350 |
| Noncurrent loans to loans | 3.6581% | 105 |
| Net loans and leases to total assets | 10.7842% | 4,705 |
| Net loans and leases to deposits | 12.2365% | 4,710 |
| Net loans and leases to core deposits | 12.8693% | 4,701 |
| Total domestic deposits to total assets | 88.1313% | 2,519 |
| Equity capital to assets | 11.6447% | 983 |
| Core capital (leverage) ratio | 10.9577% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,731,000 | 1,993 |
| Average earning assets | $393,544,000 | 1,967 |
| Average equity | $44,565,000 | 1,846 |
| Average total loans | $49,512,667 | 3,966 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8232% | 4,768 |
| Cost of funding earning assets | 0.0440% | 4,641 |
| Net interest margin | 0.7791% | 4,767 |
| Noninterest income to average assets | 1.0785% | 584 |
| Noninterest expense to average assets | 2.7326% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.6506% | 4,719 |
| Return on assets (ROA) | -0.6506% | 4,712 |
| Pretax return on assets | -0.9186% | 4,724 |
| Return on Equity (ROE) | -6.2844% | 4,717 |
| Retained earnings to average equity (ytd only) | -6.2844% | 4,469 |
| Net charge-offs to loans | 1.5424% | 50 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -4.8725% | 1,806 |
| Efficiency ratio | 150.6368% | 39 |
| Assets per employee ($millions) | 4.3648% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8237% | 85 |
| Loan loss allowance to noncurrent loans | 30.1757% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.4962% | 240 |
| Noncurrent loans to loans | 12.6714% | 8 |
| Net loans and leases to total assets | 11.3135% | 4,730 |
| Net loans and leases to deposits | 12.6570% | 4,735 |
| Net loans and leases to core deposits | 13.2791% | 4,728 |
| Total domestic deposits to total assets | 89.3855% | 1,873 |
| Equity capital to assets | 10.3931% | 1,634 |
| Core capital (leverage) ratio | 10.2855% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,842,500 | 1,937 |
| Average earning assets | $408,670,500 | 1,921 |
| Average equity | $44,809,500 | 1,895 |
| Average total loans | $52,905,500 | 3,927 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0672% | 4,783 |
| Cost of funding earning assets | 0.0539% | 4,670 |
| Net interest margin | 1.0133% | 4,779 |
| Noninterest income to average assets | 1.1165% | 841 |
| Noninterest expense to average assets | 2.7522% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.5212% | 4,765 |
| Return on assets (ROA) | -0.5212% | 4,770 |
| Pretax return on assets | -0.6673% | 4,777 |
| Return on Equity (ROE) | -4.7403% | 4,774 |
| Retained earnings to average equity (ytd only) | -4.7403% | 4,703 |
| Net charge-offs to loans | -0.1244% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.0069% | 53 |
| Assets per employee ($millions) | 4.2934% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8347% | 73 |
| Loan loss allowance to noncurrent loans | 131.6017% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 1,725 |
| Noncurrent loans to loans | 2.9139% | 204 |
| Net loans and leases to total assets | 12.1857% | 4,770 |
| Net loans and leases to deposits | 13.6230% | 4,775 |
| Net loans and leases to core deposits | 14.2662% | 4,766 |
| Total domestic deposits to total assets | 89.4497% | 1,267 |
| Equity capital to assets | 10.3126% | 2,353 |
| Core capital (leverage) ratio | 10.4725% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,453,600 | 1,928 |
| Average earning assets | $400,865,200 | 1,902 |
| Average equity | $46,115,600 | 1,891 |
| Average total loans | $67,512,200 | 3,702 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0853% | 4,869 |
| Cost of funding earning assets | 0.0537% | 4,760 |
| Net interest margin | 1.0316% | 4,860 |
| Noninterest income to average assets | 1.1461% | 867 |
| Noninterest expense to average assets | 2.7920% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.5213% | 4,829 |
| Return on assets (ROA) | -0.5213% | 4,837 |
| Pretax return on assets | -0.6579% | 4,843 |
| Return on Equity (ROE) | -4.6654% | 4,840 |
| Retained earnings to average equity (ytd only) | -4.6654% | 4,778 |
| Net charge-offs to loans | -0.5483% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.8283% | 56 |
| Assets per employee ($millions) | 4.0130% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7612% | 79 |
| Loan loss allowance to noncurrent loans | 90.6724% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 1,251 |
| Noncurrent loans to loans | 4.1481% | 119 |
| Net loans and leases to total assets | 14.0336% | 4,837 |
| Net loans and leases to deposits | 15.7683% | 4,840 |
| Net loans and leases to core deposits | 16.4133% | 4,835 |
| Total domestic deposits to total assets | 88.9986% | 1,275 |
| Equity capital to assets | 10.7496% | 2,218 |
| Core capital (leverage) ratio | 10.8989% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,834,500 | 1,962 |
| Average earning assets | $397,301,000 | 1,935 |
| Average equity | $46,354,000 | 1,898 |
| Average total loans | $70,517,000 | 3,690 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0731% | 4,906 |
| Cost of funding earning assets | 0.0534% | 4,811 |
| Net interest margin | 1.0197% | 4,897 |
| Noninterest income to average assets | 1.2161% | 786 |
| Noninterest expense to average assets | 2.8999% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.7172% | 4,886 |
| Return on assets (ROA) | -0.7172% | 4,889 |
| Pretax return on assets | -0.7084% | 4,884 |
| Return on Equity (ROE) | -6.3355% | 4,890 |
| Retained earnings to average equity (ytd only) | -6.3355% | 4,813 |
| Net charge-offs to loans | -0.6163% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.3275% | 53 |
| Assets per employee ($millions) | 3.7956% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3917% | 110 |
| Loan loss allowance to noncurrent loans | 118.8482% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 1,780 |
| Noncurrent loans to loans | 2.8538% | 261 |
| Net loans and leases to total assets | 15.3470% | 4,864 |
| Net loans and leases to deposits | 17.3115% | 4,865 |
| Net loans and leases to core deposits | 18.0295% | 4,867 |
| Total domestic deposits to total assets | 88.6519% | 1,474 |
| Equity capital to assets | 10.8883% | 2,080 |
| Core capital (leverage) ratio | 11.1385% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $411,321,667 | 1,965 |
| Average earning assets | $393,446,000 | 1,941 |
| Average equity | $46,563,333 | 1,877 |
| Average total loans | $73,346,667 | 3,663 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0574% | 4,940 |
| Cost of funding earning assets | 0.0533% | 4,854 |
| Net interest margin | 1.0041% | 4,929 |
| Noninterest income to average assets | 1.1794% | 876 |
| Noninterest expense to average assets | 3.0084% | 978 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.8653% | 4,921 |
| Return on assets (ROA) | -0.8653% | 4,919 |
| Pretax return on assets | -0.8653% | 4,919 |
| Return on Equity (ROE) | -7.4955% | 4,922 |
| Retained earnings to average equity (ytd only) | -7.4955% | 4,762 |
| Net charge-offs to loans | -0.3030% | 4,848 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.3767% | 37 |
| Assets per employee ($millions) | 3.7935% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8615% | 173 |
| Loan loss allowance to noncurrent loans | 85.9714% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 1,580 |
| Noncurrent loans to loans | 3.3284% | 218 |
| Net loans and leases to total assets | 16.9459% | 4,884 |
| Net loans and leases to deposits | 19.1451% | 4,887 |
| Net loans and leases to core deposits | 19.9409% | 4,887 |
| Total domestic deposits to total assets | 88.5131% | 1,601 |
| Equity capital to assets | 11.0357% | 1,830 |
| Core capital (leverage) ratio | 11.7392% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,325,500 | 1,971 |
| Average earning assets | $390,003,500 | 1,938 |
| Average equity | $46,908,000 | 1,863 |
| Average total loans | $76,555,500 | 3,621 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7409% | 4,933 |
| Cost of funding earning assets | 0.0606% | 4,927 |
| Net interest margin | 1.6803% | 4,900 |
| Noninterest income to average assets | 1.0810% | 914 |
| Noninterest expense to average assets | 3.5095% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.8431% | 4,916 |
| Return on assets (ROA) | -0.8431% | 4,919 |
| Pretax return on assets | -0.8335% | 4,916 |
| Return on Equity (ROE) | -6.3133% | 4,912 |
| Retained earnings to average equity (ytd only) | -6.3133% | 4,861 |
| Net charge-offs to loans | 1.7678% | 53 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -2.1414% | 3,361 |
| Efficiency ratio | 131.1453% | 54 |
| Assets per employee ($millions) | 3.5243% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5661% | 242 |
| Loan loss allowance to noncurrent loans | 88.1414% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 1,705 |
| Noncurrent loans to loans | 2.9114% | 301 |
| Net loans and leases to total assets | 19.8387% | 4,881 |
| Net loans and leases to deposits | 22.7303% | 4,891 |
| Net loans and leases to core deposits | 23.7853% | 4,888 |
| Total domestic deposits to total assets | 87.2784% | 1,806 |
| Equity capital to assets | 11.9333% | 1,609 |
| Core capital (leverage) ratio | 12.1086% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,506,200 | 1,999 |
| Average earning assets | $343,160,600 | 1,964 |
| Average equity | $48,279,200 | 1,745 |
| Average total loans | $79,588,400 | 3,562 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8910% | 4,973 |
| Cost of funding earning assets | 0.0624% | 4,971 |
| Net interest margin | 1.8285% | 4,933 |
| Noninterest income to average assets | 1.0404% | 962 |
| Noninterest expense to average assets | 3.6661% | 567 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.9079% | 4,939 |
| Return on assets (ROA) | -0.9079% | 4,944 |
| Pretax return on assets | -0.8947% | 4,933 |
| Return on Equity (ROE) | -6.6037% | 4,935 |
| Retained earnings to average equity (ytd only) | -6.6037% | 4,881 |
| Net charge-offs to loans | 2.3810% | 41 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -1.6721% | 3,165 |
| Efficiency ratio | 132.2826% | 56 |
| Assets per employee ($millions) | 3.6984% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4812% | 234 |
| Loan loss allowance to noncurrent loans | 87.5809% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 1,835 |
| Noncurrent loans to loans | 2.8330% | 347 |
| Net loans and leases to total assets | 20.9549% | 4,919 |
| Net loans and leases to deposits | 24.0832% | 4,928 |
| Net loans and leases to core deposits | 25.1840% | 4,927 |
| Total domestic deposits to total assets | 87.0102% | 1,666 |
| Equity capital to assets | 12.4217% | 1,457 |
| Core capital (leverage) ratio | 12.8128% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,082,500 | 2,012 |
| Average earning assets | $335,198,500 | 1,979 |
| Average equity | $48,678,250 | 1,729 |
| Average total loans | $79,572,250 | 3,580 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0071% | 5,017 |
| Cost of funding earning assets | 0.0516% | 5,026 |
| Net interest margin | 1.9555% | 4,956 |
| Noninterest income to average assets | 0.9979% | 991 |
| Noninterest expense to average assets | 3.6415% | 618 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.8165% | 4,949 |
| Return on assets (ROA) | -0.8165% | 4,943 |
| Pretax return on assets | -0.8003% | 4,932 |
| Return on Equity (ROE) | -5.7356% | 4,937 |
| Retained earnings to average equity (ytd only) | -5.7356% | 4,803 |
| Net charge-offs to loans | 1.9236% | 68 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -1.8219% | 2,958 |
| Efficiency ratio | 128.1664% | 69 |
| Assets per employee ($millions) | 3.1748% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0784% | 128 |
| Loan loss allowance to noncurrent loans | 40.2601% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 425 |
| Noncurrent loans to loans | 7.6463% | 49 |
| Net loans and leases to total assets | 22.8256% | 4,936 |
| Net loans and leases to deposits | 26.4047% | 4,952 |
| Net loans and leases to core deposits | 27.7421% | 4,944 |
| Total domestic deposits to total assets | 86.4452% | 1,824 |
| Equity capital to assets | 13.0088% | 1,159 |
| Core capital (leverage) ratio | 13.8313% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,130,667 | 2,025 |
| Average earning assets | $325,341,333 | 1,996 |
| Average equity | $49,131,333 | 1,698 |
| Average total loans | $78,811,000 | 3,598 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6798% | 5,021 |
| Cost of funding earning assets | 0.0695% | 5,065 |
| Net interest margin | 2.6103% | 4,745 |
| Noninterest income to average assets | 0.8543% | 1,156 |
| Noninterest expense to average assets | 3.7775% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.4687% | 4,922 |
| Return on assets (ROA) | -0.4687% | 4,897 |
| Pretax return on assets | -0.4350% | 4,873 |
| Return on Equity (ROE) | -3.1411% | 4,876 |
| Retained earnings to average equity (ytd only) | -3.1411% | 4,370 |
| Net charge-offs to loans | 0.0913% | 1,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -21.2353% | 2,544 |
| Efficiency ratio | 113.0137% | 136 |
| Assets per employee ($millions) | 3.0439% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6123% | 53 |
| Loan loss allowance to noncurrent loans | 86.9840% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 988 |
| Noncurrent loans to loans | 5.3025% | 106 |
| Net loans and leases to total assets | 21.6094% | 4,996 |
| Net loans and leases to deposits | 25.6283% | 5,005 |
| Net loans and leases to core deposits | 27.1442% | 5,000 |
| Total domestic deposits to total assets | 84.3187% | 2,663 |
| Equity capital to assets | 15.0094% | 757 |
| Core capital (leverage) ratio | 14.9599% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,968,000 | 2,033 |
| Average earning assets | $316,443,500 | 1,991 |
| Average equity | $49,536,000 | 1,676 |
| Average total loans | $74,476,500 | 3,676 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4150% | 4,911 |
| Cost of funding earning assets | 0.0785% | 5,125 |
| Net interest margin | 3.3366% | 3,902 |
| Noninterest income to average assets | 1.1886% | 668 |
| Noninterest expense to average assets | 3.6501% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4791% | 4,454 |
| Return on assets (ROA) | 0.4791% | 4,497 |
| Pretax return on assets | 0.7204% | 4,159 |
| Return on Equity (ROE) | 3.1463% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.1463% | 3,452 |
| Net charge-offs to loans | -0.0488% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5169% | 691 |
| Assets per employee ($millions) | 3.3188% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6349% | 43 |
| Loan loss allowance to noncurrent loans | 65.9030% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.5928% | 613 |
| Noncurrent loans to loans | 7.0329% | 44 |
| Net loans and leases to total assets | 21.1898% | 5,059 |
| Net loans and leases to deposits | 25.0986% | 5,070 |
| Net loans and leases to core deposits | 26.5510% | 5,064 |
| Total domestic deposits to total assets | 84.4261% | 2,714 |
| Equity capital to assets | 14.8361% | 836 |
| Core capital (leverage) ratio | 15.1492% | 655 |
| Tier 1 risk-based capital ratio | 40.0770% | 240 |
| Total risk-based capital ratio | 41.3455% | 238 |
| Memoranda: | ||
| Average total assets | $322,046,800 | 2,023 |
| Average earning assets | $307,111,800 | 1,986 |
| Average equity | $49,041,600 | 1,631 |
| Average total loans | $79,921,800 | 3,606 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 4,836 |
| Cost of funding earning assets | 0.0771% | 5,203 |
| Net interest margin | 3.5744% | 3,318 |
| Noninterest income to average assets | 1.1344% | 708 |
| Noninterest expense to average assets | 3.7269% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5617% | 4,385 |
| Return on assets (ROA) | 0.5617% | 4,436 |
| Pretax return on assets | 0.8198% | 4,073 |
| Return on Equity (ROE) | 3.6641% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.6641% | 3,568 |
| Net charge-offs to loans | -0.0115% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9687% | 757 |
| Assets per employee ($millions) | 3.3273% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3786% | 50 |
| Loan loss allowance to noncurrent loans | 75.3968% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 793 |
| Noncurrent loans to loans | 5.8074% | 78 |
| Net loans and leases to total assets | 23.1410% | 5,135 |
| Net loans and leases to deposits | 27.6451% | 5,139 |
| Net loans and leases to core deposits | 29.3980% | 5,136 |
| Total domestic deposits to total assets | 83.7074% | 2,929 |
| Equity capital to assets | 15.3463% | 765 |
| Core capital (leverage) ratio | 15.4985% | 644 |
| Tier 1 risk-based capital ratio | 41.6649% | 218 |
| Total risk-based capital ratio | 42.9343% | 215 |
| Memoranda: | ||
| Average total assets | $318,759,750 | 2,054 |
| Average earning assets | $304,304,750 | 2,007 |
| Average equity | $48,869,500 | 1,637 |
| Average total loans | $81,282,500 | 3,620 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,846 |
| Cost of funding earning assets | 0.0766% | 5,250 |
| Net interest margin | 3.6062% | 3,234 |
| Noninterest income to average assets | 1.1366% | 656 |
| Noninterest expense to average assets | 3.7400% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5740% | 4,374 |
| Return on assets (ROA) | 0.5740% | 4,411 |
| Pretax return on assets | 0.8355% | 4,006 |
| Return on Equity (ROE) | 3.7452% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.7452% | 3,385 |
| Net charge-offs to loans | 0.0437% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 73.6667% | 862 |
| Efficiency ratio | 81.7406% | 821 |
| Assets per employee ($millions) | 3.3032% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3393% | 52 |
| Loan loss allowance to noncurrent loans | 69.8560% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.5645% | 700 |
| Noncurrent loans to loans | 6.2117% | 58 |
| Net loans and leases to total assets | 23.6021% | 5,180 |
| Net loans and leases to deposits | 28.2257% | 5,183 |
| Net loans and leases to core deposits | 30.0897% | 5,179 |
| Total domestic deposits to total assets | 83.6194% | 3,005 |
| Equity capital to assets | 15.4831% | 712 |
| Core capital (leverage) ratio | 15.8378% | 570 |
| Tier 1 risk-based capital ratio | 64.5967% | 82 |
| Total risk-based capital ratio | 65.8860% | 81 |
| Memoranda: | ||
| Average total assets | $317,430,330 | 2,065 |
| Average earning assets | $302,699,000 | 2,019 |
| Average equity | $48,649,330 | 1,639 |
| Average total loans | $82,341,000 | 3,611 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,811 |
| Cost of funding earning assets | 0.0754% | 5,311 |
| Net interest margin | 3.6487% | 3,077 |
| Noninterest income to average assets | 1.1499% | 608 |
| Noninterest expense to average assets | 3.7583% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5970% | 4,255 |
| Return on assets (ROA) | 0.5970% | 4,287 |
| Pretax return on assets | 0.8640% | 3,883 |
| Return on Equity (ROE) | 3.9153% | 4,591 |
| Retained earnings to average equity (ytd only) | 3.9153% | 3,340 |
| Net charge-offs to loans | -0.1185% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3079% | 946 |
| Assets per employee ($millions) | 3.2417% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2349% | 54 |
| Loan loss allowance to noncurrent loans | 58.5661% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.8802% | 547 |
| Noncurrent loans to loans | 7.2309% | 51 |
| Net loans and leases to total assets | 24.4798% | 5,224 |
| Net loans and leases to deposits | 29.2840% | 5,233 |
| Net loans and leases to core deposits | 31.1924% | 5,225 |
| Total domestic deposits to total assets | 83.5946% | 3,188 |
| Equity capital to assets | 15.3178% | 683 |
| Core capital (leverage) ratio | 15.4552% | 603 |
| Tier 1 risk-based capital ratio | 61.3675% | 85 |
| Total risk-based capital ratio | 62.6551% | 84 |
| Memoranda: | ||
| Average total assets | $317,592,000 | 2,077 |
| Average earning assets | $302,245,000 | 2,036 |
| Average equity | $48,425,000 | 1,620 |
| Average total loans | $84,392,000 | 3,604 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 5,001 |
| Cost of funding earning assets | 0.0754% | 5,338 |
| Net interest margin | 3.3294% | 4,184 |
| Noninterest income to average assets | 1.2855% | 566 |
| Noninterest expense to average assets | 3.7503% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5128% | 4,635 |
| Return on assets (ROA) | 0.5128% | 4,632 |
| Pretax return on assets | 0.6799% | 4,460 |
| Return on Equity (ROE) | 3.5749% | 4,803 |
| Retained earnings to average equity (ytd only) | 3.5749% | 3,621 |
| Net charge-offs to loans | -0.1822% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6533% | 603 |
| Assets per employee ($millions) | 3.3073% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8971% | 62 |
| Loan loss allowance to noncurrent loans | 65.5590% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.6875% | 638 |
| Noncurrent loans to loans | 5.9445% | 75 |
| Net loans and leases to total assets | 26.5082% | 5,249 |
| Net loans and leases to deposits | 31.6542% | 5,248 |
| Net loans and leases to core deposits | 33.7554% | 5,246 |
| Total domestic deposits to total assets | 83.7431% | 3,068 |
| Equity capital to assets | 15.1772% | 672 |
| Core capital (leverage) ratio | 15.0822% | 676 |
| Tier 1 risk-based capital ratio | 56.0919% | 100 |
| Total risk-based capital ratio | 57.3758% | 97 |
| Memoranda: | ||
| Average total assets | $329,763,400 | 1,993 |
| Average earning assets | $311,467,400 | 1,963 |
| Average equity | $47,301,600 | 1,585 |
| Average total loans | $100,431,800 | 3,284 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3658% | 5,070 |
| Cost of funding earning assets | 0.0765% | 5,397 |
| Net interest margin | 3.2893% | 4,307 |
| Noninterest income to average assets | 1.2306% | 636 |
| Noninterest expense to average assets | 3.6943% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4811% | 4,799 |
| Return on assets (ROA) | 0.4811% | 4,802 |
| Pretax return on assets | 0.6369% | 4,667 |
| Return on Equity (ROE) | 3.4012% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.4012% | 4,064 |
| Net charge-offs to loans | -0.2110% | 5,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2941% | 559 |
| Assets per employee ($millions) | 3.1103% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7172% | 75 |
| Loan loss allowance to noncurrent loans | 54.7158% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.9818% | 535 |
| Noncurrent loans to loans | 6.7937% | 61 |
| Net loans and leases to total assets | 27.3926% | 5,309 |
| Net loans and leases to deposits | 32.6721% | 5,321 |
| Net loans and leases to core deposits | 34.9051% | 5,311 |
| Total domestic deposits to total assets | 83.8410% | 2,999 |
| Equity capital to assets | 14.8889% | 749 |
| Core capital (leverage) ratio | 15.3774% | 617 |
| Tier 1 risk-based capital ratio | 53.4688% | 117 |
| Total risk-based capital ratio | 54.7501% | 113 |
| Memoranda: | ||
| Average total assets | $332,828,750 | 1,982 |
| Average earning assets | $313,738,500 | 1,964 |
| Average equity | $47,080,000 | 1,593 |
| Average total loans | $103,645,500 | 3,265 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2223% | 5,208 |
| Cost of funding earning assets | 0.0757% | 5,451 |
| Net interest margin | 3.1466% | 4,627 |
| Noninterest income to average assets | 1.2137% | 656 |
| Noninterest expense to average assets | 3.6061% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4297% | 4,905 |
| Return on assets (ROA) | 0.4297% | 4,911 |
| Pretax return on assets | 0.5692% | 4,785 |
| Return on Equity (ROE) | 3.0891% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.0891% | 4,015 |
| Net charge-offs to loans | -0.2764% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3682% | 554 |
| Assets per employee ($millions) | 3.2288% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2384% | 111 |
| Loan loss allowance to noncurrent loans | 8,239.0244% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 4,714 |
| Noncurrent loans to loans | 0.0393% | 4,737 |
| Net loans and leases to total assets | 30.3499% | 5,316 |
| Net loans and leases to deposits | 35.6465% | 5,325 |
| Net loans and leases to core deposits | 38.4437% | 5,315 |
| Total domestic deposits to total assets | 85.1414% | 2,621 |
| Equity capital to assets | 14.1986% | 879 |
| Core capital (leverage) ratio | 13.9722% | 916 |
| Tier 1 risk-based capital ratio | 45.3878% | 170 |
| Total risk-based capital ratio | 46.6623% | 169 |
| Memoranda: | ||
| Average total assets | $336,985,000 | 1,979 |
| Average earning assets | $317,167,330 | 1,954 |
| Average equity | $46,874,000 | 1,606 |
| Average total loans | $107,813,000 | 3,204 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 5,246 |
| Cost of funding earning assets | 0.0764% | 5,508 |
| Net interest margin | 3.1083% | 4,692 |
| Noninterest income to average assets | 1.1907% | 644 |
| Noninterest expense to average assets | 3.5590% | 915 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4536% | 4,805 |
| Return on assets (ROA) | 0.4536% | 4,809 |
| Pretax return on assets | 0.5646% | 4,760 |
| Return on Equity (ROE) | 3.2897% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.2897% | 3,888 |
| Net charge-offs to loans | -0.3870% | 5,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3076% | 625 |
| Assets per employee ($millions) | 3.3771% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1795% | 123 |
| Loan loss allowance to noncurrent loans | 51.3634% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.9141% | 614 |
| Noncurrent loans to loans | 6.1903% | 96 |
| Net loans and leases to total assets | 29.1871% | 5,383 |
| Net loans and leases to deposits | 33.9645% | 5,394 |
| Net loans and leases to core deposits | 36.4267% | 5,388 |
| Total domestic deposits to total assets | 85.9340% | 2,569 |
| Equity capital to assets | 13.4784% | 1,049 |
| Core capital (leverage) ratio | 14.1637% | 840 |
| Tier 1 risk-based capital ratio | 46.3958% | 160 |
| Total risk-based capital ratio | 47.6714% | 155 |
| Memoranda: | ||
| Average total assets | $338,637,000 | 1,983 |
| Average earning assets | $319,535,500 | 1,960 |
| Average equity | $46,691,000 | 1,619 |
| Average total loans | $109,563,500 | 3,199 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8338% | 5,445 |
| Cost of funding earning assets | 0.0762% | 5,560 |
| Net interest margin | 2.7576% | 5,219 |
| Noninterest income to average assets | 1.3060% | 621 |
| Noninterest expense to average assets | 3.3208% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1531% | 5,192 |
| Return on assets (ROA) | 0.1531% | 5,199 |
| Pretax return on assets | 0.5714% | 4,803 |
| Return on Equity (ROE) | 1.1093% | 5,225 |
| Retained earnings to average equity (ytd only) | 1.1093% | 4,585 |
| Net charge-offs to loans | -0.1710% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3196% | 685 |
| Assets per employee ($millions) | 3.0930% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8258% | 174 |
| Loan loss allowance to noncurrent loans | 51.1160% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.9616% | 578 |
| Noncurrent loans to loans | 5.5282% | 108 |
| Net loans and leases to total assets | 33.5522% | 5,353 |
| Net loans and leases to deposits | 39.5170% | 5,349 |
| Net loans and leases to core deposits | 42.5687% | 5,329 |
| Total domestic deposits to total assets | 84.9057% | 2,876 |
| Equity capital to assets | 14.5072% | 775 |
| Core capital (leverage) ratio | 14.2501% | 786 |
| Tier 1 risk-based capital ratio | 44.2374% | 165 |
| Total risk-based capital ratio | 45.5099% | 162 |
| Memoranda: | ||
| Average total assets | $346,872,200 | 1,932 |
| Average earning assets | $325,321,800 | 1,913 |
| Average equity | $47,868,200 | 1,570 |
| Average total loans | $118,135,600 | 3,084 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8056% | 5,515 |
| Cost of funding earning assets | 0.0758% | 5,626 |
| Net interest margin | 2.7298% | 5,297 |
| Noninterest income to average assets | 1.3377% | 583 |
| Noninterest expense to average assets | 3.3536% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3413% | 5,134 |
| Return on assets (ROA) | 0.3413% | 5,157 |
| Pretax return on assets | 0.5419% | 4,944 |
| Return on Equity (ROE) | 2.5031% | 5,225 |
| Retained earnings to average equity (ytd only) | 2.5031% | 4,396 |
| Net charge-offs to loans | -0.1847% | 5,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0892% | 624 |
| Assets per employee ($millions) | 3.1318% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7408% | 198 |
| Loan loss allowance to noncurrent loans | 46.2697% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.1165% | 596 |
| Noncurrent loans to loans | 5.9235% | 106 |
| Net loans and leases to total assets | 33.2027% | 5,427 |
| Net loans and leases to deposits | 39.0173% | 5,441 |
| Net loans and leases to core deposits | 41.9939% | 5,420 |
| Total domestic deposits to total assets | 85.0973% | 2,678 |
| Equity capital to assets | 14.1712% | 948 |
| Core capital (leverage) ratio | 14.8188% | 697 |
| Tier 1 risk-based capital ratio | 38.3232% | 246 |
| Total risk-based capital ratio | 39.5892% | 244 |
| Memoranda: | ||
| Average total assets | $350,853,500 | 1,918 |
| Average earning assets | $328,757,500 | 1,912 |
| Average equity | $47,832,500 | 1,591 |
| Average total loans | $119,102,250 | 3,096 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6551% | 5,608 |
| Cost of funding earning assets | 0.0767% | 5,663 |
| Net interest margin | 2.5784% | 5,452 |
| Noninterest income to average assets | 1.2175% | 697 |
| Noninterest expense to average assets | 3.3224% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2124% | 5,380 |
| Return on assets (ROA) | 0.2124% | 5,395 |
| Pretax return on assets | 0.3085% | 5,327 |
| Return on Equity (ROE) | 1.5788% | 5,401 |
| Retained earnings to average equity (ytd only) | 1.5788% | 4,622 |
| Net charge-offs to loans | -0.2367% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5046% | 380 |
| Assets per employee ($millions) | 3.4221% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6606% | 233 |
| Loan loss allowance to noncurrent loans | 66.2623% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 1,067 |
| Noncurrent loans to loans | 4.0152% | 240 |
| Net loans and leases to total assets | 33.2048% | 5,473 |
| Net loans and leases to deposits | 38.7032% | 5,488 |
| Net loans and leases to core deposits | 41.1025% | 5,469 |
| Total domestic deposits to total assets | 85.7935% | 2,478 |
| Equity capital to assets | 13.6926% | 1,071 |
| Core capital (leverage) ratio | 14.1478% | 817 |
| Tier 1 risk-based capital ratio | 14.0372% | 3,414 |
| Total risk-based capital ratio | 14.9677% | 3,496 |
| Memoranda: | ||
| Average total assets | $354,017,670 | 1,909 |
| Average earning assets | $331,366,330 | 1,899 |
| Average equity | $47,632,000 | 1,597 |
| Average total loans | $119,958,000 | 3,096 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4686% | 5,731 |
| Cost of funding earning assets | 0.0745% | 5,730 |
| Net interest margin | 2.3942% | 5,620 |
| Noninterest income to average assets | 1.2264% | 684 |
| Noninterest expense to average assets | 3.2651% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1604% | 5,448 |
| Return on assets (ROA) | 0.1604% | 5,459 |
| Pretax return on assets | 0.1975% | 5,437 |
| Return on Equity (ROE) | 1.2029% | 5,461 |
| Retained earnings to average equity (ytd only) | 1.2029% | 4,591 |
| Net charge-offs to loans | -0.4419% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2968% | 371 |
| Assets per employee ($millions) | 3.3362% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6833% | 261 |
| Loan loss allowance to noncurrent loans | 53.0636% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.8652% | 743 |
| Noncurrent loans to loans | 5.0568% | 162 |
| Net loans and leases to total assets | 34.0225% | 5,468 |
| Net loans and leases to deposits | 39.8658% | 5,472 |
| Net loans and leases to core deposits | 42.1197% | 5,463 |
| Total domestic deposits to total assets | 85.3428% | 2,939 |
| Equity capital to assets | 14.1331% | 867 |
| Core capital (leverage) ratio | 14.0978% | 817 |
| Tier 1 risk-based capital ratio | 14.3452% | 3,287 |
| Total risk-based capital ratio | 15.2974% | 3,363 |
| Memoranda: | ||
| Average total assets | $356,497,500 | 1,905 |
| Average earning assets | $332,976,500 | 1,895 |
| Average equity | $47,550,500 | 1,600 |
| Average total loans | $120,401,000 | 3,101 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9165% | 5,567 |
| Cost of funding earning assets | 0.0808% | 5,774 |
| Net interest margin | 2.8357% | 5,232 |
| Noninterest income to average assets | 1.2299% | 753 |
| Noninterest expense to average assets | 3.4108% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0940% | 5,566 |
| Return on assets (ROA) | 0.0940% | 5,599 |
| Pretax return on assets | 0.1241% | 5,570 |
| Return on Equity (ROE) | 0.7107% | 5,601 |
| Retained earnings to average equity (ytd only) | 0.7107% | 5,042 |
| Net charge-offs to loans | -0.0108% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4896% | 295 |
| Assets per employee ($millions) | 4.0435% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4618% | 328 |
| Loan loss allowance to noncurrent loans | 54.3139% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5629% | 1,038 |
| Noncurrent loans to loans | 4.5325% | 200 |
| Net loans and leases to total assets | 31.9041% | 5,601 |
| Net loans and leases to deposits | 36.8940% | 5,624 |
| Net loans and leases to core deposits | 38.7308% | 5,625 |
| Total domestic deposits to total assets | 86.4752% | 2,383 |
| Equity capital to assets | 12.6260% | 1,446 |
| Core capital (leverage) ratio | 13.6600% | 913 |
| Tier 1 risk-based capital ratio | 34.3782% | 339 |
| Total risk-based capital ratio | 35.6400% | 333 |
| Memoranda: | ||
| Average total assets | $356,196,600 | 1,872 |
| Average earning assets | $289,525,800 | 2,105 |
| Average equity | $47,135,000 | 1,604 |
| Average total loans | $129,805,400 | 2,925 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1280% | 5,442 |
| Cost of funding earning assets | 0.0817% | 5,838 |
| Net interest margin | 3.0463% | 4,908 |
| Noninterest income to average assets | 1.5583% | 508 |
| Noninterest expense to average assets | 3.8974% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0072% | 5,711 |
| Return on assets (ROA) | 0.0072% | 5,736 |
| Pretax return on assets | 0.0391% | 5,718 |
| Return on Equity (ROE) | 0.0538% | 5,737 |
| Retained earnings to average equity (ytd only) | 0.0538% | 5,329 |
| Net charge-offs to loans | 0.0253% | 3,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.1203% | 3,314 |
| Efficiency ratio | 99.0068% | 242 |
| Assets per employee ($millions) | 3.7669% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2976% | 439 |
| Loan loss allowance to noncurrent loans | 76.5761% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.1385% | 1,771 |
| Noncurrent loans to loans | 3.0005% | 497 |
| Net loans and leases to total assets | 34.4187% | 5,606 |
| Net loans and leases to deposits | 39.9055% | 5,635 |
| Net loans and leases to core deposits | 41.7075% | 5,639 |
| Total domestic deposits to total assets | 86.2506% | 2,237 |
| Equity capital to assets | 12.7756% | 1,608 |
| Core capital (leverage) ratio | 13.9613% | 864 |
| Tier 1 risk-based capital ratio | 52.1133% | 120 |
| Total risk-based capital ratio | 53.3884% | 121 |
| Memoranda: | ||
| Average total assets | $351,235,250 | 1,901 |
| Average earning assets | $274,204,250 | 2,195 |
| Average equity | $47,049,000 | 1,614 |
| Average total loans | $131,506,500 | 2,910 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6583% | 5,855 |
| Cost of funding earning assets | 0.0694% | 5,955 |
| Net interest margin | 2.5889% | 5,675 |
| Noninterest income to average assets | 1.1707% | 818 |
| Noninterest expense to average assets | 3.7154% | 857 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1448% | 5,835 |
| Return on assets (ROA) | -0.1448% | 5,850 |
| Pretax return on assets | -0.1245% | 5,839 |
| Return on Equity (ROE) | -1.0636% | 5,842 |
| Retained earnings to average equity (ytd only) | -1.0636% | 5,446 |
| Net charge-offs to loans | -0.1894% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4683% | 196 |
| Assets per employee ($millions) | 3.4975% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3554% | 428 |
| Loan loss allowance to noncurrent loans | 60.6336% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.5582% | 1,208 |
| Noncurrent loans to loans | 3.8847% | 315 |
| Net loans and leases to total assets | 37.9652% | 5,516 |
| Net loans and leases to deposits | 44.4989% | 5,544 |
| Net loans and leases to core deposits | 46.9763% | 5,534 |
| Total domestic deposits to total assets | 85.3171% | 2,729 |
| Equity capital to assets | 13.6807% | 1,152 |
| Core capital (leverage) ratio | 13.8814% | 857 |
| Tier 1 risk-based capital ratio | 43.7981% | 188 |
| Total risk-based capital ratio | 45.0693% | 187 |
| Memoranda: | ||
| Average total assets | $345,261,330 | 1,928 |
| Average earning assets | $322,768,670 | 1,915 |
| Average equity | $47,011,330 | 1,613 |
| Average total loans | $131,993,000 | 2,902 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7023% | 5,908 |
| Cost of funding earning assets | 0.0726% | 6,010 |
| Net interest margin | 2.6297% | 5,695 |
| Noninterest income to average assets | 1.0274% | 1,019 |
| Noninterest expense to average assets | 3.5658% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1651% | 5,870 |
| Return on assets (ROA) | -0.1651% | 5,886 |
| Pretax return on assets | -0.0704% | 5,848 |
| Return on Equity (ROE) | -1.2152% | 5,879 |
| Retained earnings to average equity (ytd only) | -1.2152% | 5,305 |
| Net charge-offs to loans | -0.2345% | 5,885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0145% | 245 |
| Assets per employee ($millions) | 3.4473% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3563% | 472 |
| Loan loss allowance to noncurrent loans | 56.8956% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.6187% | 1,225 |
| Noncurrent loans to loans | 4.1414% | 282 |
| Net loans and leases to total assets | 37.1452% | 5,590 |
| Net loans and leases to deposits | 43.5254% | 5,612 |
| Net loans and leases to core deposits | 45.9479% | 5,590 |
| Total domestic deposits to total assets | 85.3414% | 2,985 |
| Equity capital to assets | 13.6340% | 1,123 |
| Core capital (leverage) ratio | 13.8084% | 860 |
| Tier 1 risk-based capital ratio | 44.1875% | 188 |
| Total risk-based capital ratio | 45.4576% | 185 |
| Memoranda: | ||
| Average total assets | $346,512,500 | 1,938 |
| Average earning assets | $325,210,000 | 1,907 |
| Average equity | $47,071,000 | 1,599 |
| Average total loans | $131,355,500 | 2,913 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5856% | 5,968 |
| Cost of funding earning assets | 0.0752% | 6,051 |
| Net interest margin | 2.5105% | 5,823 |
| Noninterest income to average assets | 1.4365% | 589 |
| Noninterest expense to average assets | 3.6646% | 1,026 |
| Loan and lease loss provision to assets | 0.0216% | 3,951 |
| Net operating income to assets | 0.2477% | 5,487 |
| Return on assets (ROA) | 0.2477% | 5,557 |
| Pretax return on assets | 0.1240% | 5,777 |
| Return on Equity (ROE) | 1.8211% | 5,614 |
| Retained earnings to average equity (ytd only) | 1.8211% | 4,688 |
| Net charge-offs to loans | 0.3700% | 781 |
| Credit loss provision to net charge-offs | 14.6245% | 3,788 |
| Earnings coverage of net charge-offs (x) | 0.9842% | 4,153 |
| Efficiency ratio | 96.1778% | 389 |
| Assets per employee ($millions) | 3.2858% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 522 |
| Loan loss allowance to noncurrent loans | 40.2027% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 2.1952% | 770 |
| Noncurrent loans to loans | 5.6980% | 154 |
| Net loans and leases to total assets | 36.9102% | 5,673 |
| Net loans and leases to deposits | 42.8243% | 5,687 |
| Net loans and leases to core deposits | 46.3959% | 5,635 |
| Total domestic deposits to total assets | 86.1900% | 2,545 |
| Equity capital to assets | 13.5349% | 1,115 |
| Core capital (leverage) ratio | 13.7115% | 904 |
| Tier 1 risk-based capital ratio | 41.5557% | 209 |
| Total risk-based capital ratio | 42.8233% | 205 |
| Memoranda: | ||
| Average total assets | $341,942,800 | 1,906 |
| Average earning assets | $323,323,200 | 1,874 |
| Average equity | $46,510,000 | 1,590 |
| Average total loans | $136,758,400 | 2,768 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6035% | 6,048 |
| Cost of funding earning assets | 0.0761% | 6,134 |
| Net interest margin | 2.5273% | 5,897 |
| Noninterest income to average assets | 1.4024% | 634 |
| Noninterest expense to average assets | 3.5742% | 1,163 |
| Loan and lease loss provision to assets | 0.0290% | 3,660 |
| Net operating income to assets | 0.3447% | 5,330 |
| Return on assets (ROA) | 0.3447% | 5,420 |
| Pretax return on assets | 0.1916% | 5,803 |
| Return on Equity (ROE) | 2.5313% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.5313% | 4,612 |
| Net charge-offs to loans | 0.5263% | 451 |
| Credit loss provision to net charge-offs | 13.5780% | 3,419 |
| Earnings coverage of net charge-offs (x) | 1.0330% | 3,889 |
| Efficiency ratio | 94.1881% | 484 |
| Assets per employee ($millions) | 3.1199% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1531% | 713 |
| Loan loss allowance to noncurrent loans | 42.8922% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.0298% | 1,001 |
| Noncurrent loans to loans | 5.0198% | 210 |
| Net loans and leases to total assets | 39.3950% | 5,626 |
| Net loans and leases to deposits | 45.9623% | 5,650 |
| Net loans and leases to core deposits | 49.4067% | 5,595 |
| Total domestic deposits to total assets | 85.7116% | 2,685 |
| Equity capital to assets | 13.7464% | 1,126 |
| Core capital (leverage) ratio | 13.9375% | 879 |
| Tier 1 risk-based capital ratio | 38.1689% | 280 |
| Total risk-based capital ratio | 39.4343% | 277 |
| Memoranda: | ||
| Average total assets | $340,353,750 | 1,935 |
| Average earning assets | $322,174,750 | 1,889 |
| Average equity | $46,352,000 | 1,604 |
| Average total loans | $138,055,000 | 2,767 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6024% | 6,115 |
| Cost of funding earning assets | 0.0743% | 6,212 |
| Net interest margin | 2.5281% | 5,937 |
| Noninterest income to average assets | 1.3653% | 665 |
| Noninterest expense to average assets | 4.0818% | 614 |
| Loan and lease loss provision to assets | 0.0436% | 3,236 |
| Net operating income to assets | -0.2481% | 6,124 |
| Return on assets (ROA) | -0.2481% | 6,140 |
| Pretax return on assets | -0.3754% | 6,160 |
| Return on Equity (ROE) | -1.8274% | 6,121 |
| Retained earnings to average equity (ytd only) | -1.8274% | 5,813 |
| Net charge-offs to loans | 0.8767% | 238 |
| Credit loss provision to net charge-offs | 12.2314% | 3,083 |
| Earnings coverage of net charge-offs (x) | -0.9306% | 3,766 |
| Efficiency ratio | 108.8466% | 186 |
| Assets per employee ($millions) | 3.2007% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1236% | 822 |
| Loan loss allowance to noncurrent loans | 48.3496% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.7528% | 1,339 |
| Noncurrent loans to loans | 4.3921% | 320 |
| Net loans and leases to total assets | 38.8664% | 5,692 |
| Net loans and leases to deposits | 45.3313% | 5,709 |
| Net loans and leases to core deposits | 48.7457% | 5,662 |
| Total domestic deposits to total assets | 85.7385% | 2,824 |
| Equity capital to assets | 13.2710% | 1,266 |
| Core capital (leverage) ratio | 13.4848% | 990 |
| Tier 1 risk-based capital ratio | 37.2311% | 307 |
| Total risk-based capital ratio | 38.4947% | 302 |
| Memoranda: | ||
| Average total assets | $339,409,000 | 1,956 |
| Average earning assets | $320,163,670 | 1,916 |
| Average equity | $46,077,330 | 1,617 |
| Average total loans | $138,015,330 | 2,773 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6030% | 6,182 |
| Cost of funding earning assets | 0.0772% | 6,277 |
| Net interest margin | 2.5259% | 5,989 |
| Noninterest income to average assets | 0.9445% | 1,251 |
| Noninterest expense to average assets | 3.6030% | 1,137 |
| Loan and lease loss provision to assets | 0.0880% | 2,224 |
| Net operating income to assets | -0.2783% | 6,181 |
| Return on assets (ROA) | -0.2783% | 6,200 |
| Pretax return on assets | -0.3711% | 6,211 |
| Return on Equity (ROE) | -2.0269% | 6,173 |
| Retained earnings to average equity (ytd only) | -2.0269% | 5,689 |
| Net charge-offs to loans | 1.5955% | 117 |
| Credit loss provision to net charge-offs | 13.4058% | 2,409 |
| Earnings coverage of net charge-offs (x) | -0.4312% | 3,144 |
| Efficiency ratio | 108.5274% | 205 |
| Assets per employee ($millions) | 2.7982% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 851 |
| Loan loss allowance to noncurrent loans | 57.6676% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.4795% | 1,779 |
| Noncurrent loans to loans | 3.7364% | 487 |
| Net loans and leases to total assets | 38.5189% | 5,692 |
| Net loans and leases to deposits | 44.7660% | 5,722 |
| Net loans and leases to core deposits | 48.1616% | 5,666 |
| Total domestic deposits to total assets | 86.0449% | 2,914 |
| Equity capital to assets | 13.1689% | 1,317 |
| Core capital (leverage) ratio | 14.0135% | 820 |
| Tier 1 risk-based capital ratio | 41.8312% | 237 |
| Total risk-based capital ratio | 43.0988% | 233 |
| Memoranda: | ||
| Average total assets | $336,274,000 | 1,985 |
| Average earning assets | $316,246,000 | 1,951 |
| Average equity | $46,178,500 | 1,619 |
| Average total loans | $138,389,000 | 2,774 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1119% | 5,940 |
| Cost of funding earning assets | 0.1227% | 6,231 |
| Net interest margin | 2.9891% | 5,469 |
| Noninterest income to average assets | 1.2688% | 750 |
| Noninterest expense to average assets | 3.7832% | 1,009 |
| Loan and lease loss provision to assets | 0.0532% | 3,494 |
| Net operating income to assets | 0.1439% | 5,888 |
| Return on assets (ROA) | 0.1439% | 5,933 |
| Pretax return on assets | 0.2231% | 5,833 |
| Return on Equity (ROE) | 1.0197% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.0197% | 5,311 |
| Net charge-offs to loans | 0.2226% | 1,889 |
| Credit loss provision to net charge-offs | 53.3742% | 3,416 |
| Earnings coverage of net charge-offs (x) | 2.7730% | 4,066 |
| Efficiency ratio | 93.1948% | 638 |
| Assets per employee ($millions) | 2.7825% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4763% | 566 |
| Loan loss allowance to noncurrent loans | 70.2141% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.5290% | 1,778 |
| Noncurrent loans to loans | 3.5267% | 577 |
| Net loans and leases to total assets | 42.0226% | 5,616 |
| Net loans and leases to deposits | 49.4288% | 5,613 |
| Net loans and leases to core deposits | 53.3706% | 5,536 |
| Total domestic deposits to total assets | 85.0165% | 3,276 |
| Equity capital to assets | 14.3431% | 857 |
| Core capital (leverage) ratio | 14.3645% | 736 |
| Tier 1 risk-based capital ratio | 41.5495% | 216 |
| Total risk-based capital ratio | 42.8233% | 213 |
| Memoranda: | ||
| Average total assets | $327,232,000 | 1,985 |
| Average earning assets | $305,508,600 | 1,962 |
| Average equity | $46,192,200 | 1,553 |
| Average total loans | $146,461,800 | 2,620 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1969% | 5,904 |
| Cost of funding earning assets | 0.1384% | 6,249 |
| Net interest margin | 3.0586% | 5,363 |
| Noninterest income to average assets | 1.2426% | 785 |
| Noninterest expense to average assets | 3.5839% | 1,322 |
| Loan and lease loss provision to assets | 0.0719% | 2,908 |
| Net operating income to assets | 0.2916% | 5,616 |
| Return on assets (ROA) | 0.2916% | 5,683 |
| Pretax return on assets | 0.4414% | 5,494 |
| Return on Equity (ROE) | 2.0736% | 5,817 |
| Retained earnings to average equity (ytd only) | 2.0736% | 5,015 |
| Net charge-offs to loans | 0.4585% | 857 |
| Credit loss provision to net charge-offs | 34.7059% | 3,378 |
| Earnings coverage of net charge-offs (x) | 2.4784% | 3,908 |
| Efficiency ratio | 87.4727% | 1,051 |
| Assets per employee ($millions) | 2.8151% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3049% | 822 |
| Loan loss allowance to noncurrent loans | 84.9518% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.3885% | 2,227 |
| Noncurrent loans to loans | 2.7132% | 1,044 |
| Net loans and leases to total assets | 43.0954% | 5,589 |
| Net loans and leases to deposits | 50.9131% | 5,587 |
| Net loans and leases to core deposits | 55.0390% | 5,503 |
| Total domestic deposits to total assets | 84.6449% | 3,481 |
| Equity capital to assets | 14.5029% | 851 |
| Core capital (leverage) ratio | 14.3054% | 767 |
| Tier 1 risk-based capital ratio | 40.1841% | 241 |
| Total risk-based capital ratio | 41.4545% | 235 |
| Memoranda: | ||
| Average total assets | $328,347,750 | 1,986 |
| Average earning assets | $306,455,250 | 1,967 |
| Average equity | $46,166,500 | 1,564 |
| Average total loans | $148,307,250 | 2,603 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1784% | 5,977 |
| Cost of funding earning assets | 0.1467% | 6,281 |
| Net interest margin | 3.0317% | 5,441 |
| Noninterest income to average assets | 1.2702% | 734 |
| Noninterest expense to average assets | 3.6207% | 1,258 |
| Loan and lease loss provision to assets | 0.1070% | 2,225 |
| Net operating income to assets | 0.2491% | 5,717 |
| Return on assets (ROA) | 0.2491% | 5,791 |
| Pretax return on assets | 0.3778% | 5,619 |
| Return on Equity (ROE) | 1.7897% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.7897% | 4,994 |
| Net charge-offs to loans | 0.5247% | 775 |
| Credit loss provision to net charge-offs | 44.8101% | 2,868 |
| Earnings coverage of net charge-offs (x) | 2.0304% | 3,665 |
| Efficiency ratio | 88.1903% | 1,072 |
| Assets per employee ($millions) | 2.7500% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3143% | 883 |
| Loan loss allowance to noncurrent loans | 86.3718% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.3948% | 2,347 |
| Noncurrent loans to loans | 2.6794% | 1,129 |
| Net loans and leases to total assets | 43.9406% | 5,534 |
| Net loans and leases to deposits | 51.6876% | 5,517 |
| Net loans and leases to core deposits | 57.1457% | 5,329 |
| Total domestic deposits to total assets | 85.0119% | 3,502 |
| Equity capital to assets | 14.2488% | 878 |
| Core capital (leverage) ratio | 13.7367% | 906 |
| Tier 1 risk-based capital ratio | 39.6154% | 251 |
| Total risk-based capital ratio | 40.8869% | 248 |
| Memoranda: | ||
| Average total assets | $330,822,670 | 1,974 |
| Average earning assets | $309,398,000 | 1,945 |
| Average equity | $46,041,000 | 1,556 |
| Average total loans | $150,554,330 | 2,569 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2608% | 5,917 |
| Cost of funding earning assets | 0.1465% | 6,369 |
| Net interest margin | 3.1143% | 5,195 |
| Noninterest income to average assets | 1.1030% | 916 |
| Noninterest expense to average assets | 3.3714% | 1,780 |
| Loan and lease loss provision to assets | 0.2060% | 1,124 |
| Net operating income to assets | 0.2826% | 5,559 |
| Return on assets (ROA) | 0.2826% | 5,600 |
| Pretax return on assets | 0.4288% | 5,364 |
| Return on Equity (ROE) | 2.0547% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.0547% | 4,787 |
| Net charge-offs to loans | 0.6150% | 602 |
| Credit loss provision to net charge-offs | 73.1915% | 1,965 |
| Earnings coverage of net charge-offs (x) | 2.2553% | 2,921 |
| Efficiency ratio | 84.1555% | 1,651 |
| Assets per employee ($millions) | 3.4725% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3684% | 945 |
| Loan loss allowance to noncurrent loans | 81.8203% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.4954% | 2,359 |
| Noncurrent loans to loans | 2.8947% | 1,124 |
| Net loans and leases to total assets | 44.1477% | 5,492 |
| Net loans and leases to deposits | 51.6727% | 5,479 |
| Net loans and leases to core deposits | 57.3715% | 5,250 |
| Total domestic deposits to total assets | 85.4372% | 3,654 |
| Equity capital to assets | 13.9626% | 930 |
| Core capital (leverage) ratio | 14.0765% | 800 |
| Tier 1 risk-based capital ratio | 39.1118% | 252 |
| Total risk-based capital ratio | 40.3848% | 248 |
| Memoranda: | ||
| Average total assets | $333,985,500 | 1,964 |
| Average earning assets | $311,337,000 | 1,937 |
| Average equity | $45,943,000 | 1,557 |
| Average total loans | $152,849,500 | 2,546 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7556% | 4,959 |
| Cost of funding earning assets | 0.1758% | 6,413 |
| Net interest margin | 3.5798% | 3,553 |
| Noninterest income to average assets | 1.2782% | 844 |
| Noninterest expense to average assets | 3.6871% | 1,304 |
| Loan and lease loss provision to assets | 0.3614% | 866 |
| Net operating income to assets | 0.3848% | 5,193 |
| Return on assets (ROA) | 0.3848% | 5,308 |
| Pretax return on assets | 0.5830% | 4,921 |
| Return on Equity (ROE) | 2.9208% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.9208% | 4,166 |
| Net charge-offs to loans | 0.3999% | 1,688 |
| Credit loss provision to net charge-offs | 179.6131% | 1,276 |
| Earnings coverage of net charge-offs (x) | 4.6935% | 3,486 |
| Efficiency ratio | 79.6095% | 2,218 |
| Assets per employee ($millions) | 3.0186% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2967% | 1,040 |
| Loan loss allowance to noncurrent loans | 83.9169% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.4047% | 2,639 |
| Noncurrent loans to loans | 2.7369% | 1,313 |
| Net loans and leases to total assets | 45.2353% | 5,558 |
| Net loans and leases to deposits | 52.8000% | 5,562 |
| Net loans and leases to core deposits | 58.5024% | 5,349 |
| Total domestic deposits to total assets | 85.6730% | 3,416 |
| Equity capital to assets | 13.5544% | 1,047 |
| Core capital (leverage) ratio | 13.2929% | 1,026 |
| Tier 1 risk-based capital ratio | 36.8850% | 280 |
| Total risk-based capital ratio | 38.1565% | 276 |
| Memoranda: | ||
| Average total assets | $333,974,800 | 1,924 |
| Average earning assets | $312,835,800 | 1,893 |
| Average equity | $43,995,000 | 1,592 |
| Average total loans | $168,051,200 | 2,325 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 4,868 |
| Cost of funding earning assets | 0.1877% | 6,461 |
| Net interest margin | 3.6084% | 3,409 |
| Noninterest income to average assets | 1.4024% | 743 |
| Noninterest expense to average assets | 3.6762% | 1,279 |
| Loan and lease loss provision to assets | 0.2675% | 1,316 |
| Net operating income to assets | 0.5530% | 4,573 |
| Return on assets (ROA) | 0.5530% | 4,718 |
| Pretax return on assets | 0.8385% | 4,149 |
| Return on Equity (ROE) | 4.2292% | 5,117 |
| Retained earnings to average equity (ytd only) | 4.2292% | 3,675 |
| Net charge-offs to loans | 0.3939% | 1,628 |
| Credit loss provision to net charge-offs | 132.2772% | 1,783 |
| Earnings coverage of net charge-offs (x) | 5.4693% | 3,182 |
| Efficiency ratio | 76.8715% | 2,582 |
| Assets per employee ($millions) | 2.6780% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0134% | 1,689 |
| Loan loss allowance to noncurrent loans | 87.3442% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 3,133 |
| Noncurrent loans to loans | 2.3051% | 1,903 |
| Net loans and leases to total assets | 47.2356% | 5,425 |
| Net loans and leases to deposits | 55.7299% | 5,396 |
| Net loans and leases to core deposits | 62.1317% | 5,106 |
| Total domestic deposits to total assets | 84.7582% | 3,855 |
| Equity capital to assets | 13.5566% | 1,098 |
| Core capital (leverage) ratio | 13.0842% | 1,172 |
| Tier 1 risk-based capital ratio | 27.1408% | 690 |
| Total risk-based capital ratio | 28.4009% | 676 |
| Memoranda: | ||
| Average total assets | $332,947,750 | 1,940 |
| Average earning assets | $311,861,000 | 1,915 |
| Average equity | $43,537,500 | 1,615 |
| Average total loans | $170,932,000 | 2,301 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 5,168 |
| Cost of funding earning assets | 0.2041% | 6,453 |
| Net interest margin | 3.4877% | 3,827 |
| Noninterest income to average assets | 1.4668% | 733 |
| Noninterest expense to average assets | 3.7660% | 1,146 |
| Loan and lease loss provision to assets | 0.1806% | 2,102 |
| Net operating income to assets | 0.5155% | 4,731 |
| Return on assets (ROA) | 0.5155% | 4,902 |
| Pretax return on assets | 0.7808% | 4,386 |
| Return on Equity (ROE) | 3.9912% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.9912% | 3,753 |
| Net charge-offs to loans | 0.4182% | 1,542 |
| Credit loss provision to net charge-offs | 82.4658% | 2,578 |
| Earnings coverage of net charge-offs (x) | 4.3890% | 3,146 |
| Efficiency ratio | 79.6623% | 2,204 |
| Assets per employee ($millions) | 2.6681% | 6,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 2,463 |
| Loan loss allowance to noncurrent loans | 68.6683% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.4907% | 2,867 |
| Noncurrent loans to loans | 2.6073% | 1,760 |
| Net loans and leases to total assets | 49.6734% | 5,143 |
| Net loans and leases to deposits | 58.5564% | 5,113 |
| Net loans and leases to core deposits | 65.9685% | 4,692 |
| Total domestic deposits to total assets | 84.8301% | 3,978 |
| Equity capital to assets | 13.4489% | 1,159 |
| Core capital (leverage) ratio | 12.7363% | 1,270 |
| Tier 1 risk-based capital ratio | 26.9128% | 700 |
| Total risk-based capital ratio | 28.1699% | 690 |
| Memoranda: | ||
| Average total assets | $333,241,330 | 1,948 |
| Average earning assets | $311,554,330 | 1,920 |
| Average equity | $43,044,330 | 1,633 |
| Average total loans | $174,550,330 | 2,260 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5739% | 5,520 |
| Cost of funding earning assets | 0.2387% | 6,357 |
| Net interest margin | 3.3352% | 4,378 |
| Noninterest income to average assets | 1.5273% | 660 |
| Noninterest expense to average assets | 3.7328% | 1,201 |
| Loan and lease loss provision to assets | 0.2607% | 1,368 |
| Net operating income to assets | 0.4210% | 5,045 |
| Return on assets (ROA) | 0.4210% | 5,195 |
| Pretax return on assets | 0.6423% | 4,797 |
| Return on Equity (ROE) | 3.3271% | 5,423 |
| Retained earnings to average equity (ytd only) | 3.3271% | 4,256 |
| Net charge-offs to loans | 0.3503% | 1,597 |
| Credit loss provision to net charge-offs | 139.7436% | 1,437 |
| Earnings coverage of net charge-offs (x) | 4.8397% | 2,466 |
| Efficiency ratio | 80.5212% | 2,247 |
| Assets per employee ($millions) | 2.8228% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 2,771 |
| Loan loss allowance to noncurrent loans | 69.0402% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.3111% | 3,339 |
| Noncurrent loans to loans | 2.5472% | 2,025 |
| Net loans and leases to total assets | 50.2330% | 4,959 |
| Net loans and leases to deposits | 58.1421% | 5,012 |
| Net loans and leases to core deposits | 65.5365% | 4,585 |
| Total domestic deposits to total assets | 86.3969% | 3,301 |
| Equity capital to assets | 12.2393% | 1,872 |
| Core capital (leverage) ratio | 12.1641% | 1,478 |
| Tier 1 risk-based capital ratio | 29.4032% | 561 |
| Total risk-based capital ratio | 30.6658% | 556 |
| Memoranda: | ||
| Average total assets | $334,439,500 | 1,964 |
| Average earning assets | $311,704,500 | 1,947 |
| Average equity | $42,319,000 | 1,687 |
| Average total loans | $178,156,500 | 2,233 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 4,405 |
| Cost of funding earning assets | 0.3349% | 6,293 |
| Net interest margin | 3.9124% | 2,779 |
| Noninterest income to average assets | 1.4757% | 720 |
| Noninterest expense to average assets | 4.4319% | 611 |
| Loan and lease loss provision to assets | 0.6557% | 811 |
| Net operating income to assets | -0.3647% | 6,491 |
| Return on assets (ROA) | -0.2289% | 6,452 |
| Pretax return on assets | 0.2636% | 5,894 |
| Return on Equity (ROE) | -1.8254% | 6,445 |
| Retained earnings to average equity (ytd only) | -1.8254% | 6,138 |
| Net charge-offs to loans | 1.0499% | 1,025 |
| Credit loss provision to net charge-offs | 101.7054% | 2,972 |
| Earnings coverage of net charge-offs (x) | 1.0966% | 4,910 |
| Efficiency ratio | 86.2413% | 1,405 |
| Assets per employee ($millions) | 2.4006% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 2,889 |
| Loan loss allowance to noncurrent loans | 70.6534% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.3560% | 3,369 |
| Noncurrent loans to loans | 2.4225% | 2,197 |
| Net loans and leases to total assets | 54.6265% | 4,525 |
| Net loans and leases to deposits | 64.8418% | 4,451 |
| Net loans and leases to core deposits | 74.2612% | 3,747 |
| Total domestic deposits to total assets | 84.2458% | 4,208 |
| Equity capital to assets | 13.1009% | 1,389 |
| Core capital (leverage) ratio | 12.8656% | 1,169 |
| Tier 1 risk-based capital ratio | 25.9595% | 775 |
| Total risk-based capital ratio | 27.2183% | 765 |
| Memoranda: | ||
| Average total assets | $300,118,800 | 2,137 |
| Average earning assets | $281,004,600 | 2,096 |
| Average equity | $37,635,400 | 1,846 |
| Average total loans | $184,306,400 | 2,147 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 4,439 |
| Cost of funding earning assets | 0.3668% | 6,291 |
| Net interest margin | 3.9370% | 2,770 |
| Noninterest income to average assets | 1.5186% | 645 |
| Noninterest expense to average assets | 4.3438% | 635 |
| Loan and lease loss provision to assets | 0.8912% | 499 |
| Net operating income to assets | -0.4115% | 6,649 |
| Return on assets (ROA) | -0.2271% | 6,587 |
| Pretax return on assets | 0.2574% | 6,027 |
| Return on Equity (ROE) | -1.8333% | 6,555 |
| Retained earnings to average equity (ytd only) | -1.8333% | 6,376 |
| Net charge-offs to loans | 1.3348% | 693 |
| Credit loss provision to net charge-offs | 105.9710% | 2,774 |
| Earnings coverage of net charge-offs (x) | 1.0231% | 4,805 |
| Efficiency ratio | 83.4666% | 1,646 |
| Assets per employee ($millions) | 2.2541% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 3,085 |
| Loan loss allowance to noncurrent loans | 81.5701% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 3,724 |
| Noncurrent loans to loans | 2.1081% | 2,718 |
| Net loans and leases to total assets | 59.8243% | 3,815 |
| Net loans and leases to deposits | 69.0524% | 4,017 |
| Net loans and leases to core deposits | 80.7980% | 3,110 |
| Total domestic deposits to total assets | 86.6361% | 2,892 |
| Equity capital to assets | 11.9236% | 2,331 |
| Core capital (leverage) ratio | 11.2317% | 2,190 |
| Tier 1 risk-based capital ratio | 22.2771% | 1,281 |
| Total risk-based capital ratio | 23.5373% | 1,263 |
| Memoranda: | ||
| Average total assets | $294,728,750 | 2,196 |
| Average earning assets | $275,907,500 | 2,150 |
| Average equity | $36,508,500 | 1,924 |
| Average total loans | $185,687,500 | 2,157 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 4,511 |
| Cost of funding earning assets | 0.3587% | 6,474 |
| Net interest margin | 3.9556% | 2,698 |
| Noninterest income to average assets | 1.5213% | 635 |
| Noninterest expense to average assets | 4.6546% | 476 |
| Loan and lease loss provision to assets | 1.3670% | 280 |
| Net operating income to assets | -0.5313% | 6,749 |
| Return on assets (ROA) | -0.2443% | 6,639 |
| Pretax return on assets | -0.3706% | 6,680 |
| Return on Equity (ROE) | -1.9476% | 6,617 |
| Retained earnings to average equity (ytd only) | -1.9476% | 6,352 |
| Net charge-offs to loans | 1.7702% | 499 |
| Credit loss provision to net charge-offs | 121.1736% | 2,263 |
| Earnings coverage of net charge-offs (x) | 0.4979% | 4,824 |
| Efficiency ratio | 89.2320% | 1,132 |
| Assets per employee ($millions) | 2.1723% | 6,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 4,067 |
| Loan loss allowance to noncurrent loans | 61.1468% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.5364% | 3,396 |
| Noncurrent loans to loans | 2.4333% | 2,470 |
| Net loans and leases to total assets | 59.7035% | 3,880 |
| Net loans and leases to deposits | 68.5320% | 4,116 |
| Net loans and leases to core deposits | 79.6784% | 3,259 |
| Total domestic deposits to total assets | 87.1177% | 2,707 |
| Equity capital to assets | 11.9182% | 2,204 |
| Core capital (leverage) ratio | 11.9242% | 1,641 |
| Tier 1 risk-based capital ratio | 22.2585% | 1,244 |
| Total risk-based capital ratio | 23.5145% | 1,221 |
| Memoranda: | ||
| Average total assets | $293,040,670 | 2,204 |
| Average earning assets | $273,737,670 | 2,165 |
| Average equity | $36,762,670 | 1,899 |
| Average total loans | $186,754,330 | 2,141 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 3,895 |
| Cost of funding earning assets | 0.3755% | 6,525 |
| Net interest margin | 4.1278% | 2,002 |
| Noninterest income to average assets | 1.4916% | 649 |
| Noninterest expense to average assets | 4.7931% | 422 |
| Loan and lease loss provision to assets | 1.8281% | 171 |
| Net operating income to assets | -0.8519% | 6,969 |
| Return on assets (ROA) | -0.8519% | 6,984 |
| Pretax return on assets | -1.2918% | 7,040 |
| Return on Equity (ROE) | -6.6140% | 6,909 |
| Retained earnings to average equity (ytd only) | -6.6140% | 6,696 |
| Net charge-offs to loans | 3.2074% | 217 |
| Credit loss provision to net charge-offs | 87.1505% | 2,601 |
| Earnings coverage of net charge-offs (x) | 0.2557% | 4,238 |
| Efficiency ratio | 89.9371% | 1,103 |
| Assets per employee ($millions) | 1.9950% | 7,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,565 |
| Loan loss allowance to noncurrent loans | 41.4224% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 1.9440% | 2,980 |
| Noncurrent loans to loans | 2.8610% | 2,257 |
| Net loans and leases to total assets | 64.8558% | 2,682 |
| Net loans and leases to deposits | 75.8805% | 2,812 |
| Net loans and leases to core deposits | 86.3601% | 2,248 |
| Total domestic deposits to total assets | 85.4710% | 3,808 |
| Equity capital to assets | 12.9411% | 1,465 |
| Core capital (leverage) ratio | 12.8738% | 1,176 |
| Tier 1 risk-based capital ratio | 22.4022% | 1,226 |
| Total risk-based capital ratio | 23.8238% | 1,174 |
| Memoranda: | ||
| Average total assets | $286,412,500 | 2,272 |
| Average earning assets | $266,293,500 | 2,229 |
| Average equity | $36,891,500 | 1,887 |
| Average total loans | $187,315,500 | 2,147 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 1,497 |
| Cost of funding earning assets | 0.4821% | 6,608 |
| Net interest margin | 4.8886% | 523 |
| Noninterest income to average assets | 1.3902% | 664 |
| Noninterest expense to average assets | 5.0104% | 379 |
| Loan and lease loss provision to assets | 0.3025% | 3,249 |
| Net operating income to assets | 0.3358% | 5,119 |
| Return on assets (ROA) | 0.3358% | 5,281 |
| Pretax return on assets | 0.5301% | 4,902 |
| Return on Equity (ROE) | 2.6924% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.6924% | 4,317 |
| Net charge-offs to loans | 0.5413% | 2,846 |
| Credit loss provision to net charge-offs | 80.0182% | 4,448 |
| Earnings coverage of net charge-offs (x) | 2.2025% | 4,132 |
| Efficiency ratio | 85.7504% | 1,591 |
| Assets per employee ($millions) | 2.0108% | 7,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 4,978 |
| Loan loss allowance to noncurrent loans | 95.1479% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 4,860 |
| Noncurrent loans to loans | 1.3528% | 4,118 |
| Net loans and leases to total assets | 64.3305% | 3,113 |
| Net loans and leases to deposits | 75.2143% | 3,312 |
| Net loans and leases to core deposits | 89.3703% | 2,215 |
| Total domestic deposits to total assets | 85.5297% | 3,579 |
| Equity capital to assets | 12.8205% | 1,588 |
| Core capital (leverage) ratio | 12.9916% | 1,144 |
| Tier 1 risk-based capital ratio | 21.6357% | 1,293 |
| Total risk-based capital ratio | 22.6042% | 1,319 |
| Memoranda: | ||
| Average total assets | $291,251,800 | 2,186 |
| Average earning assets | $265,288,800 | 2,206 |
| Average equity | $36,323,800 | 1,866 |
| Average total loans | $203,383,600 | 2,014 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5826% | 1,074 |
| Cost of funding earning assets | 0.5043% | 6,679 |
| Net interest margin | 5.0784% | 355 |
| Noninterest income to average assets | 1.4142% | 657 |
| Noninterest expense to average assets | 5.1542% | 325 |
| Loan and lease loss provision to assets | 0.3537% | 2,749 |
| Net operating income to assets | 0.3281% | 5,300 |
| Return on assets (ROA) | 0.3281% | 5,468 |
| Pretax return on assets | 0.5065% | 5,140 |
| Return on Equity (ROE) | 2.6490% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.6490% | 4,772 |
| Net charge-offs to loans | 0.4359% | 2,979 |
| Credit loss provision to net charge-offs | 114.3068% | 2,859 |
| Earnings coverage of net charge-offs (x) | 2.7802% | 3,742 |
| Efficiency ratio | 85.6980% | 1,568 |
| Assets per employee ($millions) | 1.8909% | 7,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 4,503 |
| Loan loss allowance to noncurrent loans | 146.1951% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 5,515 |
| Noncurrent loans to loans | 0.9660% | 4,954 |
| Net loans and leases to total assets | 66.2576% | 2,841 |
| Net loans and leases to deposits | 77.4934% | 3,086 |
| Net loans and leases to core deposits | 85.8479% | 2,792 |
| Total domestic deposits to total assets | 85.5010% | 3,495 |
| Equity capital to assets | 12.7360% | 1,762 |
| Core capital (leverage) ratio | 12.5708% | 1,404 |
| Tier 1 risk-based capital ratio | 18.8073% | 1,989 |
| Total risk-based capital ratio | 19.8023% | 2,037 |
| Memoranda: | ||
| Average total assets | $292,179,750 | 2,193 |
| Average earning assets | $264,671,750 | 2,214 |
| Average equity | $36,188,750 | 1,868 |
| Average total loans | $207,382,500 | 2,002 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7432% | 809 |
| Cost of funding earning assets | 0.5178% | 6,788 |
| Net interest margin | 5.2254% | 268 |
| Noninterest income to average assets | 1.6081% | 505 |
| Noninterest expense to average assets | 5.2470% | 306 |
| Loan and lease loss provision to assets | 0.4623% | 2,127 |
| Net operating income to assets | 0.4064% | 4,915 |
| Return on assets (ROA) | 0.4064% | 5,076 |
| Pretax return on assets | 0.5984% | 4,744 |
| Return on Equity (ROE) | 3.3121% | 5,252 |
| Retained earnings to average equity (ytd only) | 3.3121% | 4,150 |
| Net charge-offs to loans | 0.6279% | 2,264 |
| Credit loss provision to net charge-offs | 101.9520% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.3393% | 3,656 |
| Efficiency ratio | 83.1840% | 1,931 |
| Assets per employee ($millions) | 1.8716% | 7,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,990 |
| Loan loss allowance to noncurrent loans | 59.1367% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.5613% | 3,847 |
| Noncurrent loans to loans | 2.2236% | 3,201 |
| Net loans and leases to total assets | 69.2943% | 2,360 |
| Net loans and leases to deposits | 80.8726% | 2,631 |
| Net loans and leases to core deposits | 90.1417% | 2,360 |
| Total domestic deposits to total assets | 85.6833% | 3,502 |
| Equity capital to assets | 12.7397% | 1,652 |
| Core capital (leverage) ratio | 12.3297% | 1,439 |
| Tier 1 risk-based capital ratio | 16.7109% | 2,647 |
| Total risk-based capital ratio | 17.7667% | 2,690 |
| Memoranda: | ||
| Average total assets | $293,768,670 | 2,184 |
| Average earning assets | $264,207,670 | 2,221 |
| Average equity | $36,050,000 | 1,855 |
| Average total loans | $212,123,000 | 1,979 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5588% | 1,156 |
| Cost of funding earning assets | 0.5142% | 6,923 |
| Net interest margin | 5.0446% | 352 |
| Noninterest income to average assets | 1.2613% | 798 |
| Noninterest expense to average assets | 5.6180% | 241 |
| Loan and lease loss provision to assets | 0.5244% | 1,658 |
| Net operating income to assets | -0.1398% | 6,497 |
| Return on assets (ROA) | -0.1398% | 6,516 |
| Pretax return on assets | -0.2111% | 6,547 |
| Return on Equity (ROE) | -1.1609% | 6,505 |
| Retained earnings to average equity (ytd only) | -1.1609% | 6,019 |
| Net charge-offs to loans | 0.1856% | 3,383 |
| Credit loss provision to net charge-offs | 386.1386% | 859 |
| Earnings coverage of net charge-offs (x) | 2.3069% | 3,156 |
| Efficiency ratio | 94.7178% | 998 |
| Assets per employee ($millions) | 1.9956% | 7,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,868 |
| Loan loss allowance to noncurrent loans | 171.9247% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 5,831 |
| Noncurrent loans to loans | 0.7897% | 5,456 |
| Net loans and leases to total assets | 71.3716% | 1,844 |
| Net loans and leases to deposits | 85.1995% | 1,851 |
| Net loans and leases to core deposits | 93.5004% | 1,953 |
| Total domestic deposits to total assets | 83.7700% | 4,587 |
| Equity capital to assets | 12.0345% | 1,899 |
| Core capital (leverage) ratio | 12.2752% | 1,419 |
| Tier 1 risk-based capital ratio | 17.9396% | 2,134 |
| Total risk-based capital ratio | 19.1994% | 2,101 |
| Memoranda: | ||
| Average total assets | $297,474,500 | 2,177 |
| Average earning assets | $275,381,000 | 2,156 |
| Average equity | $35,834,500 | 1,850 |
| Average total loans | $217,648,000 | 1,944 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4942% | 2,311 |
| Cost of funding earning assets | 0.3820% | 7,445 |
| Net interest margin | 5.1122% | 346 |
| Noninterest income to average assets | 1.9005% | 434 |
| Noninterest expense to average assets | 6.4204% | 190 |
| Loan and lease loss provision to assets | -0.0803% | 7,601 |
| Net operating income to assets | 0.1527% | 5,432 |
| Return on assets (ROA) | 0.1527% | 5,590 |
| Pretax return on assets | 0.2417% | 5,375 |
| Return on Equity (ROE) | 1.3424% | 5,606 |
| Retained earnings to average equity (ytd only) | 1.3424% | 4,872 |
| Net charge-offs to loans | 0.0560% | 6,230 |
| Credit loss provision to net charge-offs | -185.7143% | 7,060 |
| Earnings coverage of net charge-offs (x) | 3.7286% | 3,220 |
| Efficiency ratio | 97.5491% | 890 |
| Assets per employee ($millions) | 2.5796% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 7,113 |
| Loan loss allowance to noncurrent loans | 89.6787% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 5,795 |
| Noncurrent loans to loans | 0.8006% | 5,444 |
| Net loans and leases to total assets | 75.9608% | 1,277 |
| Net loans and leases to deposits | 86.5592% | 1,998 |
| Net loans and leases to core deposits | 99.5584% | 1,651 |
| Total domestic deposits to total assets | 87.7559% | 2,392 |
| Equity capital to assets | 11.0126% | 2,673 |
| Core capital (leverage) ratio | 11.1258% | 2,069 |
| Tier 1 risk-based capital ratio | 17.1570% | 2,292 |
| Total risk-based capital ratio | 18.0127% | 2,406 |
| Memoranda: | ||
| Average total assets | $161,797,000 | 3,664 |
| Average earning assets | $148,156,800 | 3,657 |
| Average equity | $18,399,800 | 3,367 |
| Average total loans | $124,890,000 | 3,217 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6684% | 1,818 |
| Cost of funding earning assets | 0.4003% | 7,570 |
| Net interest margin | 5.2681% | 256 |
| Noninterest income to average assets | 2.1406% | 342 |
| Noninterest expense to average assets | 6.6728% | 166 |
| Loan and lease loss provision to assets | -0.1505% | 7,705 |
| Net operating income to assets | 0.2412% | 5,387 |
| Return on assets (ROA) | 0.2412% | 5,545 |
| Pretax return on assets | 0.3792% | 5,285 |
| Return on Equity (ROE) | 2.1033% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.1033% | 4,911 |
| Net charge-offs to loans | 0.0269% | 6,296 |
| Credit loss provision to net charge-offs | -724.0000% | 7,059 |
| Earnings coverage of net charge-offs (x) | 11.0009% | 1,833 |
| Efficiency ratio | 96.6863% | 881 |
| Assets per employee ($millions) | 2.4141% | 7,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7283% | 7,151 |
| Loan loss allowance to noncurrent loans | 40.3454% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 1.4172% | 4,327 |
| Noncurrent loans to loans | 1.8051% | 3,940 |
| Net loans and leases to total assets | 77.9373% | 1,046 |
| Net loans and leases to deposits | 88.7682% | 1,896 |
| Net loans and leases to core deposits | 100.9454% | 1,755 |
| Total domestic deposits to total assets | 87.7988% | 2,092 |
| Equity capital to assets | 11.6150% | 2,445 |
| Core capital (leverage) ratio | 11.6945% | 1,823 |
| Tier 1 risk-based capital ratio | 17.4017% | 2,206 |
| Total risk-based capital ratio | 18.2583% | 2,302 |
| Memoranda: | ||
| Average total assets | $160,328,250 | 3,747 |
| Average earning assets | $144,892,750 | 3,769 |
| Average equity | $18,383,500 | 3,410 |
| Average total loans | $124,041,000 | 3,281 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7788% | 1,484 |
| Cost of funding earning assets | 0.4353% | 7,627 |
| Net interest margin | 5.3435% | 229 |
| Noninterest income to average assets | 1.8486% | 397 |
| Noninterest expense to average assets | 6.3263% | 192 |
| Loan and lease loss provision to assets | -0.1071% | 7,771 |
| Net operating income to assets | 0.2365% | 5,431 |
| Return on assets (ROA) | 0.2365% | 5,572 |
| Pretax return on assets | 0.3660% | 5,322 |
| Return on Equity (ROE) | 2.0717% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.0717% | 4,824 |
| Net charge-offs to loans | -0.0259% | 7,324 |
| Credit loss provision to net charge-offs | 537.5000% | 692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0681% | 961 |
| Assets per employee ($millions) | 2.2973% | 7,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 7,008 |
| Loan loss allowance to noncurrent loans | 291.6435% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 6,830 |
| Noncurrent loans to loans | 0.2780% | 6,674 |
| Net loans and leases to total assets | 80.8070% | 690 |
| Net loans and leases to deposits | 91.9261% | 1,545 |
| Net loans and leases to core deposits | 103.8596% | 1,659 |
| Total domestic deposits to total assets | 87.9043% | 2,051 |
| Equity capital to assets | 11.6106% | 2,350 |
| Core capital (leverage) ratio | 11.2803% | 2,043 |
| Tier 1 risk-based capital ratio | 17.0351% | 2,269 |
| Total risk-based capital ratio | 18.0764% | 2,297 |
| Memoranda: | ||
| Average total assets | $160,661,670 | 3,776 |
| Average earning assets | $142,417,000 | 3,857 |
| Average equity | $18,342,670 | 3,409 |
| Average total loans | $123,692,330 | 3,328 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6006% | 2,146 |
| Cost of funding earning assets | 0.4974% | 7,676 |
| Net interest margin | 5.1032% | 346 |
| Noninterest income to average assets | 1.7609% | 414 |
| Noninterest expense to average assets | 6.3634% | 181 |
| Loan and lease loss provision to assets | -0.2473% | 7,883 |
| Net operating income to assets | 0.1805% | 5,751 |
| Return on assets (ROA) | 0.1805% | 5,881 |
| Pretax return on assets | 0.2374% | 5,774 |
| Return on Equity (ROE) | 1.5946% | 5,924 |
| Retained earnings to average equity (ytd only) | 1.5946% | 5,149 |
| Net charge-offs to loans | -0.0132% | 6,960 |
| Credit loss provision to net charge-offs | 2,500.0000% | 202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1557% | 834 |
| Assets per employee ($millions) | 2.1052% | 7,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 7,050 |
| Loan loss allowance to noncurrent loans | 232.8767% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 6,776 |
| Noncurrent loans to loans | 0.3568% | 6,588 |
| Net loans and leases to total assets | 78.1551% | 1,124 |
| Net loans and leases to deposits | 89.1749% | 2,039 |
| Net loans and leases to core deposits | 99.5886% | 2,172 |
| Total domestic deposits to total assets | 87.6426% | 2,268 |
| Equity capital to assets | 11.7386% | 2,208 |
| Core capital (leverage) ratio | 11.0620% | 2,193 |
| Tier 1 risk-based capital ratio | 17.4661% | 2,085 |
| Total risk-based capital ratio | 18.5138% | 2,123 |
| Memoranda: | ||
| Average total assets | $161,737,000 | 3,802 |
| Average earning assets | $145,556,500 | 3,843 |
| Average equity | $18,312,000 | 3,434 |
| Average total loans | $120,971,000 | 3,445 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1567% | 1,355 |
| Cost of funding earning assets | 0.9577% | 7,289 |
| Net interest margin | 5.1990% | 294 |
| Noninterest income to average assets | 1.8876% | 415 |
| Noninterest expense to average assets | 5.7267% | 352 |
| Loan and lease loss provision to assets | 0.0683% | 6,898 |
| Net operating income to assets | 0.5039% | 3,711 |
| Return on assets (ROA) | 0.5039% | 3,809 |
| Pretax return on assets | 0.7949% | 3,262 |
| Return on Equity (ROE) | 4.5404% | 3,865 |
| Retained earnings to average equity (ytd only) | 4.5404% | 2,078 |
| Net charge-offs to loans | -0.0184% | 7,784 |
| Credit loss provision to net charge-offs | -500.0000% | 7,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9021% | 2,007 |
| Assets per employee ($millions) | 2.2359% | 7,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 6,683 |
| Loan loss allowance to noncurrent loans | 62.4860% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0651% | 4,963 |
| Noncurrent loans to loans | 1.4987% | 4,417 |
| Net loans and leases to total assets | 70.3994% | 3,160 |
| Net loans and leases to deposits | 79.6411% | 4,058 |
| Net loans and leases to core deposits | 105.4949% | 3,392 |
| Total domestic deposits to total assets | 88.3958% | 1,775 |
| Equity capital to assets | 10.9351% | 2,749 |
| Core capital (leverage) ratio | 10.8791% | 2,296 |
| Tier 1 risk-based capital ratio | 17.1487% | 2,116 |
| Total risk-based capital ratio | 18.2719% | 2,107 |
| Memoranda: | ||
| Average total assets | $161,158,200 | 3,748 |
| Average earning assets | $145,759,600 | 3,785 |
| Average equity | $17,883,800 | 3,519 |
| Average total loans | $119,649,800 | 3,493 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2885% | 1,160 |
| Cost of funding earning assets | 1.0295% | 7,327 |
| Net interest margin | 5.2590% | 278 |
| Noninterest income to average assets | 1.8588% | 428 |
| Noninterest expense to average assets | 5.5697% | 364 |
| Loan and lease loss provision to assets | 0.1137% | 6,231 |
| Net operating income to assets | 0.5784% | 3,690 |
| Return on assets (ROA) | 0.5784% | 3,754 |
| Pretax return on assets | 0.9102% | 3,196 |
| Return on Equity (ROE) | 5.1920% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.1920% | 2,378 |
| Net charge-offs to loans | -0.0167% | 7,743 |
| Credit loss provision to net charge-offs | -906.6667% | 7,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4720% | 2,244 |
| Assets per employee ($millions) | 2.2594% | 7,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 6,642 |
| Loan loss allowance to noncurrent loans | 202.1352% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 6,641 |
| Noncurrent loans to loans | 0.4590% | 6,401 |
| Net loans and leases to total assets | 72.5527% | 2,903 |
| Net loans and leases to deposits | 82.2759% | 3,963 |
| Net loans and leases to core deposits | 110.3916% | 3,194 |
| Total domestic deposits to total assets | 88.1822% | 1,575 |
| Equity capital to assets | 10.8686% | 3,145 |
| Core capital (leverage) ratio | 11.2106% | 2,257 |
| Tier 1 risk-based capital ratio | 16.4320% | 2,461 |
| Total risk-based capital ratio | 17.5333% | 2,457 |
| Memoranda: | ||
| Average total assets | $159,525,500 | 3,800 |
| Average earning assets | $143,623,000 | 3,849 |
| Average equity | $17,770,500 | 3,566 |
| Average total loans | $119,770,250 | 3,513 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4572% | 905 |
| Cost of funding earning assets | 1.1092% | 7,360 |
| Net interest margin | 5.3480% | 229 |
| Noninterest income to average assets | 1.8896% | 409 |
| Noninterest expense to average assets | 5.5655% | 371 |
| Loan and lease loss provision to assets | 0.1835% | 5,202 |
| Net operating income to assets | 0.6052% | 3,654 |
| Return on assets (ROA) | 0.6052% | 3,761 |
| Pretax return on assets | 0.9569% | 3,156 |
| Return on Equity (ROE) | 5.3865% | 3,912 |
| Retained earnings to average equity (ytd only) | 5.3865% | 2,295 |
| Net charge-offs to loans | -0.0118% | 7,626 |
| Credit loss provision to net charge-offs | -2,057.1429% | 7,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9945% | 2,607 |
| Assets per employee ($millions) | 2.2324% | 7,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 6,654 |
| Loan loss allowance to noncurrent loans | 162.7507% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 6,387 |
| Noncurrent loans to loans | 0.5707% | 6,122 |
| Net loans and leases to total assets | 74.3497% | 2,608 |
| Net loans and leases to deposits | 84.4984% | 3,795 |
| Net loans and leases to core deposits | 131.5699% | 1,454 |
| Total domestic deposits to total assets | 87.9894% | 1,784 |
| Equity capital to assets | 10.9631% | 2,953 |
| Core capital (leverage) ratio | 11.1310% | 2,311 |
| Tier 1 risk-based capital ratio | 15.6417% | 2,751 |
| Total risk-based capital ratio | 16.7028% | 2,763 |
| Memoranda: | ||
| Average total assets | $156,968,330 | 3,877 |
| Average earning assets | $141,362,330 | 3,918 |
| Average equity | $17,636,670 | 3,593 |
| Average total loans | $118,879,670 | 3,559 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2233% | 1,522 |
| Cost of funding earning assets | 1.1649% | 7,379 |
| Net interest margin | 5.0584% | 354 |
| Noninterest income to average assets | 1.5146% | 614 |
| Noninterest expense to average assets | 5.6063% | 347 |
| Loan and lease loss provision to assets | 0.1169% | 5,474 |
| Net operating income to assets | 0.2598% | 5,445 |
| Return on assets (ROA) | 0.2598% | 5,610 |
| Pretax return on assets | 0.3715% | 5,477 |
| Return on Equity (ROE) | 2.2828% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.2828% | 4,607 |
| Net charge-offs to loans | -0.0307% | 7,560 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9864% | 1,569 |
| Assets per employee ($millions) | 2.1933% | 7,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 6,920 |
| Loan loss allowance to noncurrent loans | 214.8225% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 6,631 |
| Noncurrent loans to loans | 0.3996% | 6,418 |
| Net loans and leases to total assets | 73.2271% | 2,953 |
| Net loans and leases to deposits | 82.9601% | 4,137 |
| Net loans and leases to core deposits | 136.8411% | 1,252 |
| Total domestic deposits to total assets | 88.2678% | 1,598 |
| Equity capital to assets | 10.8185% | 3,161 |
| Core capital (leverage) ratio | 11.5242% | 2,130 |
| Tier 1 risk-based capital ratio | 15.0183% | 3,059 |
| Total risk-based capital ratio | 16.0838% | 3,071 |
| Memoranda: | ||
| Average total assets | $153,970,000 | 3,942 |
| Average earning assets | $139,411,000 | 3,964 |
| Average equity | $17,522,000 | 3,632 |
| Average total loans | $117,169,500 | 3,618 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5344% | 2,790 |
| Cost of funding earning assets | 1.3624% | 7,788 |
| Net interest margin | 5.1720% | 357 |
| Noninterest income to average assets | 1.3295% | 820 |
| Noninterest expense to average assets | 5.8587% | 427 |
| Loan and lease loss provision to assets | 0.0780% | 6,422 |
| Net operating income to assets | 0.1233% | 6,048 |
| Return on assets (ROA) | 0.2425% | 5,544 |
| Pretax return on assets | 0.3833% | 5,309 |
| Return on Equity (ROE) | 2.0847% | 5,590 |
| Retained earnings to average equity (ytd only) | -1.3008% | 5,681 |
| Net charge-offs to loans | -0.0772% | 8,064 |
| Credit loss provision to net charge-offs | -142.1687% | 7,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5182% | 1,187 |
| Assets per employee ($millions) | 1.8914% | 7,991 |
| Cash dividends to net income (ytd only)* | 162.3978% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 6,898 |
| Loan loss allowance to noncurrent loans | 290.7463% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 6,650 |
| Noncurrent loans to loans | 0.2927% | 6,500 |
| Net loans and leases to total assets | 77.9241% | 2,165 |
| Net loans and leases to deposits | 91.1906% | 3,263 |
| Net loans and leases to core deposits | 139.3570% | 1,301 |
| Total domestic deposits to total assets | 85.4519% | 2,646 |
| Equity capital to assets | 12.0061% | 2,289 |
| Core capital (leverage) ratio | 12.3040% | 1,837 |
| Tier 1 risk-based capital ratio | 16.8327% | 2,367 |
| Total risk-based capital ratio | 17.9817% | 2,341 |
| Memoranda: | ||
| Average total assets | $151,331,200 | 3,874 |
| Average earning assets | $140,563,400 | 3,836 |
| Average equity | $17,604,200 | 3,623 |
| Average total loans | $107,542,400 | 3,750 |