Home > CapTex Bank > Performance and Condition Ratios
CapTex Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1463% | 1,111 |
| Cost of funding earning assets | 2.3749% | 1,403 |
| Net interest margin | 3.7714% | 1,554 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 3.2969% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4325% | 3,620 |
| Return on assets (ROA) | 0.4325% | 3,641 |
| Pretax return on assets | 0.5524% | 3,554 |
| Return on Equity (ROE) | 3.3900% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.3941% | 2,871 |
| Net charge-offs to loans | 0.0052% | 2,752 |
| Credit loss provision to net charge-offs | 53.3333% | 2,315 |
| Earnings coverage of net charge-offs (x) | 124.3333% | 696 |
| Efficiency ratio | 84.1300% | 784 |
| Assets per employee ($millions) | 7.1620% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,078 |
| Loan loss allowance to noncurrent loans | 1,931.0559% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 2,773 |
| Noncurrent loans to loans | 0.0531% | 3,377 |
| Net loans and leases to total assets | 89.0900% | 50 |
| Net loans and leases to deposits | 103.3794% | 337 |
| Net loans and leases to core deposits | 107.4464% | 1,053 |
| Total domestic deposits to total assets | 86.1800% | 2,169 |
| Equity capital to assets | 12.9517% | 898 |
| Core capital (leverage) ratio | 12.2958% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9224% | 1,899 |
| Memoranda: | ||
| Average total assets | $336,196,800 | 2,293 |
| Average earning assets | $319,379,800 | 2,265 |
| Average equity | $42,839,600 | 1,892 |
| Average total loans | $290,242,600 | 1,892 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0690% | 1,167 |
| Cost of funding earning assets | 2.3850% | 1,366 |
| Net interest margin | 3.6840% | 1,668 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 3.2732% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.3868% | 3,707 |
| Return on assets (ROA) | 0.3868% | 3,736 |
| Pretax return on assets | 0.4927% | 3,666 |
| Return on Equity (ROE) | 3.0500% | 3,880 |
| Retained earnings to average equity (ytd only) | 3.0480% | 3,159 |
| Net charge-offs to loans | 0.0093% | 2,301 |
| Credit loss provision to net charge-offs | 25.0000% | 2,165 |
| Earnings coverage of net charge-offs (x) | 62.3500% | 1,072 |
| Efficiency ratio | 85.3653% | 733 |
| Assets per employee ($millions) | 7.0298% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 3,008 |
| Loan loss allowance to noncurrent loans | 1,938.5093% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 2,812 |
| Noncurrent loans to loans | 0.0541% | 3,430 |
| Net loans and leases to total assets | 85.5700% | 168 |
| Net loans and leases to deposits | 98.9535% | 547 |
| Net loans and leases to core deposits | 103.0703% | 1,289 |
| Total domestic deposits to total assets | 86.4700% | 1,770 |
| Equity capital to assets | 12.5707% | 1,083 |
| Core capital (leverage) ratio | 11.9825% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9380% | 1,921 |
| Memoranda: | ||
| Average total assets | $336,093,000 | 2,285 |
| Average earning assets | $319,210,000 | 2,260 |
| Average equity | $42,650,250 | 1,901 |
| Average total loans | $287,054,750 | 1,894 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9053% | 1,298 |
| Cost of funding earning assets | 2.2916% | 1,459 |
| Net interest margin | 3.6137% | 1,764 |
| Noninterest income to average assets | 0.2700% | 3,207 |
| Noninterest expense to average assets | 3.3111% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.3030% | 3,831 |
| Return on assets (ROA) | 0.3030% | 3,868 |
| Pretax return on assets | 0.3864% | 3,820 |
| Return on Equity (ROE) | 2.3800% | 3,976 |
| Retained earnings to average equity (ytd only) | 2.3802% | 3,226 |
| Net charge-offs to loans | 0.0268% | 1,613 |
| Credit loss provision to net charge-offs | 13.1579% | 1,962 |
| Earnings coverage of net charge-offs (x) | 17.0789% | 1,713 |
| Efficiency ratio | 87.9358% | 660 |
| Assets per employee ($millions) | 6.8343% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 2,844 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 3,042 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.6600% | 501 |
| Net loans and leases to deposits | 94.3956% | 902 |
| Net loans and leases to core deposits | 98.0159% | 1,613 |
| Total domestic deposits to total assets | 86.5100% | 1,811 |
| Equity capital to assets | 12.4920% | 1,014 |
| Core capital (leverage) ratio | 12.6274% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5788% | 1,678 |
| Memoranda: | ||
| Average total assets | $333,304,000 | 2,281 |
| Average earning assets | $316,460,667 | 2,255 |
| Average equity | $42,433,333 | 1,887 |
| Average total loans | $283,451,333 | 1,897 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8399% | 1,271 |
| Cost of funding earning assets | 2.2801% | 1,383 |
| Net interest margin | 3.5598% | 1,789 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 3.3425% | 682 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.2188% | 3,944 |
| Return on assets (ROA) | 0.2188% | 3,979 |
| Pretax return on assets | 0.2796% | 3,942 |
| Return on Equity (ROE) | 1.7000% | 4,048 |
| Retained earnings to average equity (ytd only) | 1.7019% | 3,317 |
| Net charge-offs to loans | 0.0084% | 1,776 |
| Credit loss provision to net charge-offs | 383.3333% | 587 |
| Earnings coverage of net charge-offs (x) | 42.1667% | 1,023 |
| Efficiency ratio | 89.9767% | 592 |
| Assets per employee ($millions) | 6.4811% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 2,862 |
| Loan loss allowance to noncurrent loans | 3,977.2152% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 2,853 |
| Noncurrent loans to loans | 0.0274% | 3,585 |
| Net loans and leases to total assets | 87.8500% | 83 |
| Net loans and leases to deposits | 102.5494% | 385 |
| Net loans and leases to core deposits | 108.7400% | 997 |
| Total domestic deposits to total assets | 85.6600% | 2,201 |
| Equity capital to assets | 13.0708% | 844 |
| Core capital (leverage) ratio | 12.5767% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2879% | 1,782 |
| Memoranda: | ||
| Average total assets | $329,098,500 | 2,302 |
| Average earning assets | $312,264,500 | 2,272 |
| Average equity | $42,306,500 | 1,882 |
| Average total loans | $284,108,500 | 1,897 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 1,261 |
| Cost of funding earning assets | 1.7759% | 1,290 |
| Net interest margin | 3.6528% | 1,854 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 3.1909% | 835 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7073% | 3,178 |
| Return on assets (ROA) | 0.7073% | 3,149 |
| Pretax return on assets | 0.9048% | 2,953 |
| Return on Equity (ROE) | 5.6900% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.6867% | 2,358 |
| Net charge-offs to loans | -0.0062% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.9344% | 1,249 |
| Assets per employee ($millions) | 6.8192% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 2,802 |
| Loan loss allowance to noncurrent loans | 3,924.0506% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 2,775 |
| Noncurrent loans to loans | 0.0282% | 3,540 |
| Net loans and leases to total assets | 82.9900% | 345 |
| Net loans and leases to deposits | 96.3848% | 751 |
| Net loans and leases to core deposits | 101.4432% | 1,358 |
| Total domestic deposits to total assets | 86.1000% | 1,979 |
| Equity capital to assets | 12.6462% | 957 |
| Core capital (leverage) ratio | 12.1168% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7760% | 1,599 |
| Memoranda: | ||
| Average total assets | $328,148,400 | 2,275 |
| Average earning assets | $310,092,600 | 2,248 |
| Average equity | $40,814,200 | 1,862 |
| Average total loans | $274,376,600 | 1,897 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3320% | 1,238 |
| Cost of funding earning assets | 1.6349% | 1,310 |
| Net interest margin | 3.6971% | 1,778 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.1735% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4698% | 3,823 |
| Return on assets (ROA) | 0.4698% | 3,827 |
| Pretax return on assets | 0.6033% | 3,727 |
| Return on Equity (ROE) | 3.7900% | 4,010 |
| Retained earnings to average equity (ytd only) | 3.7935% | 3,312 |
| Net charge-offs to loans | -0.0083% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.4814% | 699 |
| Assets per employee ($millions) | 7.1661% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 2,931 |
| Loan loss allowance to noncurrent loans | 1,337.4449% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 2,512 |
| Noncurrent loans to loans | 0.0812% | 3,181 |
| Net loans and leases to total assets | 83.8900% | 287 |
| Net loans and leases to deposits | 97.1092% | 672 |
| Net loans and leases to core deposits | 105.5271% | 1,044 |
| Total domestic deposits to total assets | 86.3900% | 2,071 |
| Equity capital to assets | 12.3953% | 947 |
| Core capital (leverage) ratio | 11.9557% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7204% | 1,652 |
| Memoranda: | ||
| Average total assets | $326,650,500 | 2,288 |
| Average earning assets | $308,269,750 | 2,254 |
| Average equity | $40,453,750 | 1,854 |
| Average total loans | $272,871,250 | 1,906 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 1,230 |
| Cost of funding earning assets | 1.4344% | 1,370 |
| Net interest margin | 3.7530% | 1,710 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 3.1954% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4950% | 3,821 |
| Return on assets (ROA) | 0.4950% | 3,827 |
| Pretax return on assets | 0.6344% | 3,735 |
| Return on Equity (ROE) | 4.0000% | 4,029 |
| Retained earnings to average equity (ytd only) | 3.9982% | 3,211 |
| Net charge-offs to loans | -0.0133% | 4,007 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.9115% | 714 |
| Assets per employee ($millions) | 7.3999% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,026 |
| Loan loss allowance to noncurrent loans | 1,011.0000% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 2,315 |
| Noncurrent loans to loans | 0.1072% | 2,944 |
| Net loans and leases to total assets | 81.3400% | 487 |
| Net loans and leases to deposits | 93.6326% | 898 |
| Net loans and leases to core deposits | 102.0305% | 1,130 |
| Total domestic deposits to total assets | 86.8700% | 1,969 |
| Equity capital to assets | 11.9543% | 1,064 |
| Core capital (leverage) ratio | 11.5214% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1205% | 1,843 |
| Memoranda: | ||
| Average total assets | $325,654,000 | 2,298 |
| Average earning assets | $307,163,667 | 2,272 |
| Average equity | $40,318,333 | 1,870 |
| Average total loans | $270,637,333 | 1,907 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9695% | 1,287 |
| Cost of funding earning assets | 1.0719% | 1,831 |
| Net interest margin | 3.8976% | 1,490 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 3.2864% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5052% | 3,884 |
| Return on assets (ROA) | 0.5052% | 3,847 |
| Pretax return on assets | 0.6435% | 3,770 |
| Return on Equity (ROE) | 4.0100% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.0068% | 3,268 |
| Net charge-offs to loans | -0.0241% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.0915% | 696 |
| Assets per employee ($millions) | 7.4067% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,033 |
| Loan loss allowance to noncurrent loans | 1,046.8310% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,303 |
| Noncurrent loans to loans | 0.1055% | 3,008 |
| Net loans and leases to total assets | 78.1500% | 749 |
| Net loans and leases to deposits | 89.8255% | 1,068 |
| Net loans and leases to core deposits | 99.3355% | 1,121 |
| Total domestic deposits to total assets | 87.0000% | 2,261 |
| Equity capital to assets | 11.8536% | 1,043 |
| Core capital (leverage) ratio | 12.2305% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3979% | 1,830 |
| Memoranda: | ||
| Average total assets | $318,283,000 | 2,368 |
| Average earning assets | $299,668,000 | 2,344 |
| Average equity | $40,131,500 | 1,895 |
| Average total loans | $266,006,500 | 1,944 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 473 |
| Cost of funding earning assets | 0.4114% | 2,000 |
| Net interest margin | 4.3325% | 394 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 3.4134% | 539 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.7583% | 3,461 |
| Return on assets (ROA) | 0.7583% | 3,398 |
| Pretax return on assets | 0.9428% | 3,238 |
| Return on Equity (ROE) | 5.7200% | 3,881 |
| Retained earnings to average equity (ytd only) | 5.7221% | 2,741 |
| Net charge-offs to loans | -0.0365% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.5266% | 1,166 |
| Assets per employee ($millions) | 6.1637% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 2,639 |
| Loan loss allowance to noncurrent loans | 420.5841% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 1,936 |
| Noncurrent loans to loans | 0.2736% | 2,176 |
| Net loans and leases to total assets | 87.8000% | 76 |
| Net loans and leases to deposits | 103.0217% | 337 |
| Net loans and leases to core deposits | 112.8779% | 521 |
| Total domestic deposits to total assets | 85.2200% | 2,930 |
| Equity capital to assets | 13.4784% | 633 |
| Core capital (leverage) ratio | 12.5498% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1904% | 1,569 |
| Memoranda: | ||
| Average total assets | $293,813,200 | 2,483 |
| Average earning assets | $275,658,800 | 2,462 |
| Average equity | $38,936,600 | 1,957 |
| Average total loans | $246,495,600 | 1,962 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 444 |
| Cost of funding earning assets | 0.3368% | 1,804 |
| Net interest margin | 4.2431% | 382 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 3.3680% | 541 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.7337% | 3,471 |
| Return on assets (ROA) | 0.7337% | 3,416 |
| Pretax return on assets | 0.8978% | 3,320 |
| Return on Equity (ROE) | 5.5600% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.5604% | 2,907 |
| Net charge-offs to loans | -0.0495% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.2945% | 1,248 |
| Assets per employee ($millions) | 6.2061% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 2,720 |
| Loan loss allowance to noncurrent loans | 635.1579% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 2,502 |
| Noncurrent loans to loans | 0.1832% | 2,667 |
| Net loans and leases to total assets | 86.0100% | 122 |
| Net loans and leases to deposits | 100.7317% | 336 |
| Net loans and leases to core deposits | 107.8991% | 536 |
| Total domestic deposits to total assets | 85.3800% | 3,203 |
| Equity capital to assets | 13.1725% | 653 |
| Core capital (leverage) ratio | 12.3812% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3202% | 1,614 |
| Memoranda: | ||
| Average total assets | $293,302,000 | 2,503 |
| Average earning assets | $275,104,750 | 2,479 |
| Average equity | $38,701,500 | 1,994 |
| Average total loans | $242,424,000 | 1,986 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4154% | 426 |
| Cost of funding earning assets | 0.2792% | 1,916 |
| Net interest margin | 4.1362% | 378 |
| Noninterest income to average assets | 0.5395% | 1,996 |
| Noninterest expense to average assets | 3.3245% | 530 |
| Loan and lease loss provision to assets | 0.2159% | 367 |
| Net operating income to assets | 0.7348% | 3,198 |
| Return on assets (ROA) | 0.7348% | 3,155 |
| Pretax return on assets | 0.8781% | 3,125 |
| Return on Equity (ROE) | 5.5657% | 3,687 |
| Retained earnings to average equity (ytd only) | 5.5657% | 2,486 |
| Net charge-offs to loans | -0.0743% | 4,370 |
| Credit loss provision to net charge-offs | -357.9545% | 3,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7667% | 1,532 |
| Assets per employee ($millions) | 6.8269% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,897 |
| Loan loss allowance to noncurrent loans | 646.2555% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 2,659 |
| Noncurrent loans to loans | 0.1791% | 2,802 |
| Net loans and leases to total assets | 83.4015% | 210 |
| Net loans and leases to deposits | 97.3385% | 373 |
| Net loans and leases to core deposits | 103.8433% | 520 |
| Total domestic deposits to total assets | 85.6819% | 3,328 |
| Equity capital to assets | 12.9502% | 673 |
| Core capital (leverage) ratio | 12.3588% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0928% | 1,681 |
| Memoranda: | ||
| Average total assets | $291,771,667 | 2,526 |
| Average earning assets | $273,636,000 | 2,520 |
| Average equity | $38,522,000 | 2,059 |
| Average total loans | $236,821,667 | 2,014 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 603 |
| Cost of funding earning assets | 0.2756% | 1,869 |
| Net interest margin | 3.8542% | 562 |
| Noninterest income to average assets | 0.4174% | 2,574 |
| Noninterest expense to average assets | 3.3409% | 500 |
| Loan and lease loss provision to assets | 0.2045% | 354 |
| Net operating income to assets | 0.3980% | 3,956 |
| Return on assets (ROA) | 0.3980% | 3,923 |
| Pretax return on assets | 0.4912% | 3,883 |
| Return on Equity (ROE) | 2.9844% | 4,091 |
| Retained earnings to average equity (ytd only) | 2.9844% | 3,269 |
| Net charge-offs to loans | -0.0018% | 3,086 |
| Credit loss provision to net charge-offs | -14,700.0000% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1100% | 1,063 |
| Assets per employee ($millions) | 6.6408% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,099 |
| Loan loss allowance to noncurrent loans | 500.7477% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 2,548 |
| Noncurrent loans to loans | 0.2297% | 2,676 |
| Net loans and leases to total assets | 77.0347% | 445 |
| Net loans and leases to deposits | 91.3952% | 457 |
| Net loans and leases to core deposits | 100.5547% | 493 |
| Total domestic deposits to total assets | 84.2875% | 3,710 |
| Equity capital to assets | 12.8635% | 722 |
| Core capital (leverage) ratio | 12.5130% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1662% | 1,736 |
| Memoranda: | ||
| Average total assets | $287,466,500 | 2,563 |
| Average earning assets | $269,940,000 | 2,558 |
| Average equity | $38,333,000 | 2,118 |
| Average total loans | $228,504,000 | 2,054 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 548 |
| Cost of funding earning assets | 0.2866% | 2,537 |
| Net interest margin | 4.2672% | 435 |
| Noninterest income to average assets | 0.3515% | 3,332 |
| Noninterest expense to average assets | 3.6256% | 418 |
| Loan and lease loss provision to assets | 0.2159% | 478 |
| Net operating income to assets | 0.6605% | 3,717 |
| Return on assets (ROA) | 0.6682% | 3,757 |
| Pretax return on assets | 0.5087% | 4,244 |
| Return on Equity (ROE) | 5.7570% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.7570% | 2,456 |
| Net charge-offs to loans | 0.0449% | 1,386 |
| Credit loss provision to net charge-offs | 576.2887% | 742 |
| Earnings coverage of net charge-offs (x) | 19.1340% | 1,887 |
| Efficiency ratio | 81.8020% | 694 |
| Assets per employee ($millions) | 6.4208% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 3,234 |
| Loan loss allowance to noncurrent loans | 403.0255% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,417 |
| Noncurrent loans to loans | 0.2802% | 2,603 |
| Net loans and leases to total assets | 80.2582% | 256 |
| Net loans and leases to deposits | 93.5946% | 400 |
| Net loans and leases to core deposits | 103.5090% | 420 |
| Total domestic deposits to total assets | 85.7509% | 2,995 |
| Equity capital to assets | 13.8449% | 697 |
| Core capital (leverage) ratio | 13.0414% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1404% | 1,470 |
| Memoranda: | ||
| Average total assets | $258,907,000 | 2,668 |
| Average earning assets | $242,146,800 | 2,667 |
| Average equity | $30,050,200 | 2,533 |
| Average total loans | $216,010,200 | 2,130 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 552 |
| Cost of funding earning assets | 0.2969% | 2,621 |
| Net interest margin | 4.3189% | 434 |
| Noninterest income to average assets | 0.3550% | 3,327 |
| Noninterest expense to average assets | 3.6431% | 389 |
| Loan and lease loss provision to assets | 0.2360% | 404 |
| Net operating income to assets | 0.7677% | 3,604 |
| Return on assets (ROA) | 0.7782% | 3,639 |
| Pretax return on assets | 0.5153% | 4,350 |
| Return on Equity (ROE) | 7.0744% | 3,649 |
| Retained earnings to average equity (ytd only) | 7.0744% | 2,389 |
| Net charge-offs to loans | 0.0617% | 1,020 |
| Credit loss provision to net charge-offs | 455.5556% | 801 |
| Earnings coverage of net charge-offs (x) | 14.2929% | 1,895 |
| Efficiency ratio | 81.3903% | 674 |
| Assets per employee ($millions) | 5.8994% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,401 |
| Loan loss allowance to noncurrent loans | 400.1653% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 2,608 |
| Noncurrent loans to loans | 0.2771% | 2,809 |
| Net loans and leases to total assets | 83.1710% | 133 |
| Net loans and leases to deposits | 94.2266% | 409 |
| Net loans and leases to core deposits | 106.6581% | 395 |
| Total domestic deposits to total assets | 88.2670% | 1,676 |
| Equity capital to assets | 11.1921% | 1,898 |
| Core capital (leverage) ratio | 9.8340% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6070% | 2,828 |
| Memoranda: | ||
| Average total assets | $254,610,000 | 2,718 |
| Average earning assets | $237,525,750 | 2,718 |
| Average equity | $28,006,500 | 2,683 |
| Average total loans | $213,982,750 | 2,175 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 488 |
| Cost of funding earning assets | 0.3069% | 2,721 |
| Net interest margin | 4.4600% | 384 |
| Noninterest income to average assets | 0.3566% | 3,330 |
| Noninterest expense to average assets | 3.7667% | 343 |
| Loan and lease loss provision to assets | 0.2736% | 336 |
| Net operating income to assets | 0.9385% | 3,100 |
| Return on assets (ROA) | 0.9385% | 3,179 |
| Pretax return on assets | 0.4641% | 4,436 |
| Return on Equity (ROE) | 8.5834% | 3,234 |
| Retained earnings to average equity (ytd only) | 8.5834% | 1,859 |
| Net charge-offs to loans | 0.0922% | 785 |
| Credit loss provision to net charge-offs | 353.0612% | 816 |
| Earnings coverage of net charge-offs (x) | 9.5204% | 1,827 |
| Efficiency ratio | 81.9554% | 673 |
| Assets per employee ($millions) | 5.5984% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,585 |
| Loan loss allowance to noncurrent loans | 290.3509% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 2,400 |
| Noncurrent loans to loans | 0.3651% | 2,598 |
| Net loans and leases to total assets | 82.1952% | 207 |
| Net loans and leases to deposits | 92.8179% | 503 |
| Net loans and leases to core deposits | 106.7761% | 446 |
| Total domestic deposits to total assets | 88.5552% | 1,538 |
| Equity capital to assets | 10.9290% | 2,036 |
| Core capital (leverage) ratio | 9.5405% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6990% | 2,811 |
| Memoranda: | ||
| Average total assets | $252,955,000 | 2,722 |
| Average earning assets | $235,247,667 | 2,721 |
| Average equity | $27,658,000 | 2,696 |
| Average total loans | $212,539,667 | 2,189 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1143% | 304 |
| Cost of funding earning assets | 0.3213% | 2,785 |
| Net interest margin | 4.7930% | 242 |
| Noninterest income to average assets | 0.3518% | 3,331 |
| Noninterest expense to average assets | 3.8665% | 316 |
| Loan and lease loss provision to assets | 0.3712% | 217 |
| Net operating income to assets | 0.5438% | 4,088 |
| Return on assets (ROA) | 0.5438% | 4,128 |
| Pretax return on assets | 0.5438% | 4,287 |
| Return on Equity (ROE) | 4.9726% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.9726% | 3,228 |
| Net charge-offs to loans | -0.0019% | 3,130 |
| Credit loss provision to net charge-offs | -23,000.0000% | 3,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2440% | 873 |
| Assets per employee ($millions) | 5.6408% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,623 |
| Loan loss allowance to noncurrent loans | 393.8356% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 3,047 |
| Noncurrent loans to loans | 0.2682% | 3,148 |
| Net loans and leases to total assets | 81.2603% | 264 |
| Net loans and leases to deposits | 91.8320% | 604 |
| Net loans and leases to core deposits | 110.8946% | 388 |
| Total domestic deposits to total assets | 88.4881% | 1,613 |
| Equity capital to assets | 10.4592% | 2,305 |
| Core capital (leverage) ratio | 10.0245% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6145% | 2,785 |
| Memoranda: | ||
| Average total assets | $247,870,000 | 2,739 |
| Average earning assets | $229,084,000 | 2,755 |
| Average equity | $27,108,500 | 2,727 |
| Average total loans | $209,513,000 | 2,216 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7570% | 791 |
| Cost of funding earning assets | 0.4351% | 3,378 |
| Net interest margin | 4.3220% | 485 |
| Noninterest income to average assets | 0.6223% | 2,130 |
| Noninterest expense to average assets | 4.5818% | 242 |
| Loan and lease loss provision to assets | 0.4714% | 568 |
| Net operating income to assets | -0.2858% | 4,835 |
| Return on assets (ROA) | -0.2050% | 4,834 |
| Pretax return on assets | -0.3959% | 4,864 |
| Return on Equity (ROE) | -1.6190% | 4,833 |
| Retained earnings to average equity (ytd only) | -1.6190% | 4,679 |
| Net charge-offs to loans | 0.0064% | 3,118 |
| Credit loss provision to net charge-offs | 9,680.0000% | 110 |
| Earnings coverage of net charge-offs (x) | -5.5000% | 3,381 |
| Efficiency ratio | 98.2467% | 196 |
| Assets per employee ($millions) | 5.0135% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,768 |
| Loan loss allowance to noncurrent loans | 502.1845% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 3,384 |
| Noncurrent loans to loans | 0.2047% | 3,475 |
| Net loans and leases to total assets | 86.3843% | 86 |
| Net loans and leases to deposits | 98.9196% | 418 |
| Net loans and leases to core deposits | 122.6646% | 281 |
| Total domestic deposits to total assets | 87.3278% | 1,777 |
| Equity capital to assets | 11.4854% | 1,894 |
| Core capital (leverage) ratio | 10.8163% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9359% | 2,653 |
| Memoranda: | ||
| Average total assets | $205,356,600 | 2,897 |
| Average earning assets | $186,859,800 | 2,936 |
| Average equity | $26,003,800 | 2,741 |
| Average total loans | $157,250,000 | 2,590 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8175% | 860 |
| Cost of funding earning assets | 0.4675% | 3,433 |
| Net interest margin | 4.3500% | 528 |
| Noninterest income to average assets | 0.7054% | 1,784 |
| Noninterest expense to average assets | 4.7460% | 213 |
| Loan and lease loss provision to assets | 0.3919% | 919 |
| Net operating income to assets | -0.4870% | 4,898 |
| Return on assets (ROA) | -0.3463% | 4,877 |
| Pretax return on assets | -0.3463% | 4,869 |
| Return on Equity (ROE) | -2.6632% | 4,875 |
| Retained earnings to average equity (ytd only) | -2.6632% | 4,753 |
| Net charge-offs to loans | -0.0237% | 4,466 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5823% | 178 |
| Assets per employee ($millions) | 4.5805% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,831 |
| Loan loss allowance to noncurrent loans | 281.3725% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 3,026 |
| Noncurrent loans to loans | 0.3429% | 3,054 |
| Net loans and leases to total assets | 82.1005% | 424 |
| Net loans and leases to deposits | 97.3920% | 669 |
| Net loans and leases to core deposits | 112.8643% | 598 |
| Total domestic deposits to total assets | 84.2990% | 2,715 |
| Equity capital to assets | 12.0287% | 1,657 |
| Core capital (leverage) ratio | 10.9714% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3034% | 2,064 |
| Memoranda: | ||
| Average total assets | $199,040,000 | 2,931 |
| Average earning assets | $180,530,250 | 2,974 |
| Average equity | $25,882,750 | 2,740 |
| Average total loans | $146,239,750 | 2,700 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 730 |
| Cost of funding earning assets | 0.5037% | 3,511 |
| Net interest margin | 4.5634% | 440 |
| Noninterest income to average assets | 0.5960% | 2,145 |
| Noninterest expense to average assets | 4.9425% | 198 |
| Loan and lease loss provision to assets | 0.4731% | 795 |
| Net operating income to assets | -0.7117% | 4,935 |
| Return on assets (ROA) | -0.5371% | 4,916 |
| Pretax return on assets | -0.5371% | 4,902 |
| Return on Equity (ROE) | -4.0188% | 4,916 |
| Retained earnings to average equity (ytd only) | -4.0188% | 4,728 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3496% | 156 |
| Assets per employee ($millions) | 4.4781% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 3,762 |
| Loan loss allowance to noncurrent loans | 359.8624% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 3,481 |
| Noncurrent loans to loans | 0.2661% | 3,427 |
| Net loans and leases to total assets | 78.7823% | 747 |
| Net loans and leases to deposits | 94.2570% | 938 |
| Net loans and leases to core deposits | 112.2636% | 655 |
| Total domestic deposits to total assets | 83.5825% | 2,893 |
| Equity capital to assets | 12.6024% | 1,336 |
| Core capital (leverage) ratio | 11.5507% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1812% | 2,106 |
| Memoranda: | ||
| Average total assets | $193,625,000 | 2,958 |
| Average earning assets | $174,299,667 | 3,009 |
| Average equity | $25,878,333 | 2,731 |
| Average total loans | $135,495,667 | 2,799 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 2,158 |
| Cost of funding earning assets | 0.5484% | 3,705 |
| Net interest margin | 4.0007% | 1,395 |
| Noninterest income to average assets | 0.5783% | 2,141 |
| Noninterest expense to average assets | 5.2155% | 201 |
| Loan and lease loss provision to assets | 0.1024% | 2,401 |
| Net operating income to assets | -1.1588% | 5,003 |
| Return on assets (ROA) | -0.9496% | 4,962 |
| Pretax return on assets | -0.9496% | 4,949 |
| Return on Equity (ROE) | -6.8892% | 4,962 |
| Retained earnings to average equity (ytd only) | -6.8892% | 4,640 |
| Net charge-offs to loans | 0.0099% | 2,220 |
| Credit loss provision to net charge-offs | 1,600.0000% | 404 |
| Earnings coverage of net charge-offs (x) | -165.0000% | 2,576 |
| Efficiency ratio | 122.0626% | 102 |
| Assets per employee ($millions) | 3.6632% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 3,996 |
| Loan loss allowance to noncurrent loans | 259.1928% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 3,524 |
| Noncurrent loans to loans | 0.3600% | 3,206 |
| Net loans and leases to total assets | 64.4396% | 3,015 |
| Net loans and leases to deposits | 75.9407% | 3,082 |
| Net loans and leases to core deposits | 84.7462% | 2,784 |
| Total domestic deposits to total assets | 84.8551% | 2,458 |
| Equity capital to assets | 13.3358% | 1,293 |
| Core capital (leverage) ratio | 11.7558% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2398% | 1,831 |
| Memoranda: | ||
| Average total assets | $187,441,000 | 2,978 |
| Average earning assets | $167,771,000 | 3,038 |
| Average equity | $25,837,500 | 2,719 |
| Average total loans | $121,316,000 | 2,943 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 2,229 |
| Cost of funding earning assets | 0.4241% | 4,364 |
| Net interest margin | 4.3092% | 1,074 |
| Noninterest income to average assets | 0.7220% | 1,735 |
| Noninterest expense to average assets | 4.9249% | 225 |
| Loan and lease loss provision to assets | 0.3448% | 449 |
| Net operating income to assets | -0.7039% | 5,069 |
| Return on assets (ROA) | -0.6368% | 5,069 |
| Pretax return on assets | -0.6368% | 5,067 |
| Return on Equity (ROE) | -4.3713% | 5,068 |
| Retained earnings to average equity (ytd only) | -4.3713% | 4,959 |
| Net charge-offs to loans | -0.0658% | 4,875 |
| Credit loss provision to net charge-offs | -922.0588% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7453% | 132 |
| Assets per employee ($millions) | 3.4792% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 3,809 |
| Loan loss allowance to noncurrent loans | 244.1758% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 3,454 |
| Noncurrent loans to loans | 0.3832% | 3,064 |
| Net loans and leases to total assets | 63.7848% | 3,228 |
| Net loans and leases to deposits | 76.0461% | 3,175 |
| Net loans and leases to core deposits | 85.4507% | 2,830 |
| Total domestic deposits to total assets | 83.8765% | 2,889 |
| Equity capital to assets | 14.2477% | 1,018 |
| Core capital (leverage) ratio | 12.0762% | 1,731 |
| Tier 1 risk-based capital ratio | 16.7710% | 2,132 |
| Total risk-based capital ratio | 17.6181% | 2,211 |
| Memoranda: | ||
| Average total assets | $181,850,600 | 3,003 |
| Average earning assets | $162,212,600 | 3,066 |
| Average equity | $26,491,000 | 2,592 |
| Average total loans | $103,411,000 | 3,182 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5925% | 2,750 |
| Cost of funding earning assets | 0.3896% | 4,535 |
| Net interest margin | 4.2029% | 1,375 |
| Noninterest income to average assets | 0.7004% | 1,784 |
| Noninterest expense to average assets | 4.7302% | 257 |
| Loan and lease loss provision to assets | 0.3708% | 354 |
| Net operating income to assets | -0.6570% | 5,151 |
| Return on assets (ROA) | -0.6776% | 5,158 |
| Pretax return on assets | -0.6747% | 5,152 |
| Return on Equity (ROE) | -4.6259% | 5,153 |
| Retained earnings to average equity (ytd only) | -4.6259% | 5,048 |
| Net charge-offs to loans | -0.0080% | 4,323 |
| Credit loss provision to net charge-offs | -8,400.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1602% | 129 |
| Assets per employee ($millions) | 3.5024% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7928% | 4,427 |
| Loan loss allowance to noncurrent loans | 196.6030% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 3,555 |
| Noncurrent loans to loans | 0.4033% | 3,101 |
| Net loans and leases to total assets | 62.4191% | 3,451 |
| Net loans and leases to deposits | 74.5914% | 3,426 |
| Net loans and leases to core deposits | 82.7960% | 3,193 |
| Total domestic deposits to total assets | 83.6814% | 2,939 |
| Equity capital to assets | 14.3857% | 1,009 |
| Core capital (leverage) ratio | 12.2006% | 1,732 |
| Tier 1 risk-based capital ratio | 17.5280% | 1,937 |
| Total risk-based capital ratio | 18.2611% | 2,034 |
| Memoranda: | ||
| Average total assets | $181,214,500 | 3,030 |
| Average earning assets | $161,536,250 | 3,102 |
| Average equity | $26,545,750 | 2,605 |
| Average total loans | $99,582,000 | 3,275 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 3,289 |
| Cost of funding earning assets | 0.3367% | 4,723 |
| Net interest margin | 4.0796% | 1,672 |
| Noninterest income to average assets | 0.7177% | 1,643 |
| Noninterest expense to average assets | 4.6366% | 272 |
| Loan and lease loss provision to assets | 0.3917% | 313 |
| Net operating income to assets | -0.6865% | 5,203 |
| Return on assets (ROA) | -0.7177% | 5,211 |
| Pretax return on assets | -0.7155% | 5,207 |
| Return on Equity (ROE) | -4.8692% | 5,203 |
| Retained earnings to average equity (ytd only) | -4.8692% | 5,055 |
| Net charge-offs to loans | -0.0085% | 4,277 |
| Credit loss provision to net charge-offs | -8,800.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4324% | 136 |
| Assets per employee ($millions) | 3.3596% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7241% | 4,659 |
| Loan loss allowance to noncurrent loans | 78.8560% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 2,436 |
| Noncurrent loans to loans | 0.9183% | 1,787 |
| Net loans and leases to total assets | 57.2798% | 3,980 |
| Net loans and leases to deposits | 68.5215% | 3,936 |
| Net loans and leases to core deposits | 74.8305% | 3,832 |
| Total domestic deposits to total assets | 83.5939% | 3,016 |
| Equity capital to assets | 14.5292% | 940 |
| Core capital (leverage) ratio | 12.5212% | 1,528 |
| Tier 1 risk-based capital ratio | 19.5223% | 1,431 |
| Total risk-based capital ratio | 20.1977% | 1,532 |
| Memoranda: | ||
| Average total assets | $179,743,000 | 3,058 |
| Average earning assets | $159,769,670 | 3,133 |
| Average equity | $26,493,000 | 2,600 |
| Average total loans | $93,844,670 | 3,379 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 4,359 |
| Cost of funding earning assets | 0.2626% | 4,948 |
| Net interest margin | 3.7403% | 2,747 |
| Noninterest income to average assets | 0.6365% | 1,878 |
| Noninterest expense to average assets | 4.7555% | 245 |
| Loan and lease loss provision to assets | 0.3160% | 397 |
| Net operating income to assets | -1.1263% | 5,291 |
| Return on assets (ROA) | -0.9908% | 5,283 |
| Pretax return on assets | -0.9886% | 5,278 |
| Return on Equity (ROE) | -6.6727% | 5,274 |
| Retained earnings to average equity (ytd only) | -6.6727% | 4,997 |
| Net charge-offs to loans | -0.0091% | 4,199 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.7524% | 83 |
| Assets per employee ($millions) | 3.5149% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6051% | 4,927 |
| Loan loss allowance to noncurrent loans | 51.5712% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 2,264 |
| Noncurrent loans to loans | 1.1733% | 1,412 |
| Net loans and leases to total assets | 51.1327% | 4,395 |
| Net loans and leases to deposits | 61.7312% | 4,318 |
| Net loans and leases to core deposits | 63.9970% | 4,378 |
| Total domestic deposits to total assets | 82.8312% | 3,449 |
| Equity capital to assets | 14.7489% | 805 |
| Core capital (leverage) ratio | 13.0948% | 1,229 |
| Tier 1 risk-based capital ratio | 21.6145% | 1,096 |
| Total risk-based capital ratio | 22.1515% | 1,154 |
| Memoranda: | ||
| Average total assets | $177,225,000 | 3,117 |
| Average earning assets | $156,887,500 | 3,196 |
| Average equity | $26,316,000 | 2,616 |
| Average total loans | $87,460,500 | 3,553 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 4,655 |
| Cost of funding earning assets | 0.2190% | 4,923 |
| Net interest margin | 3.4900% | 3,739 |
| Noninterest income to average assets | 0.7012% | 1,851 |
| Noninterest expense to average assets | 4.9721% | 209 |
| Loan and lease loss provision to assets | 0.1983% | 957 |
| Net operating income to assets | -1.3461% | 5,352 |
| Return on assets (ROA) | -1.3461% | 5,349 |
| Pretax return on assets | -1.3434% | 5,351 |
| Return on Equity (ROE) | -10.0775% | 5,350 |
| Retained earnings to average equity (ytd only) | -10.0775% | 5,319 |
| Net charge-offs to loans | -0.0320% | 4,834 |
| Credit loss provision to net charge-offs | -1,604.3478% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.2848% | 48 |
| Assets per employee ($millions) | 3.4351% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5030% | 5,116 |
| Loan loss allowance to noncurrent loans | 39.8467% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 2,244 |
| Noncurrent loans to loans | 1.2624% | 1,261 |
| Net loans and leases to total assets | 46.9698% | 4,697 |
| Net loans and leases to deposits | 56.9166% | 4,624 |
| Net loans and leases to core deposits | 58.5187% | 4,685 |
| Total domestic deposits to total assets | 82.5240% | 3,473 |
| Equity capital to assets | 14.9513% | 721 |
| Core capital (leverage) ratio | 13.1227% | 1,200 |
| Tier 1 risk-based capital ratio | 23.7852% | 840 |
| Total risk-based capital ratio | 24.2189% | 894 |
| Memoranda: | ||
| Average total assets | $186,096,600 | 2,998 |
| Average earning assets | $166,678,200 | 3,057 |
| Average equity | $24,857,400 | 2,651 |
| Average total loans | $71,927,800 | 3,832 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 4,887 |
| Cost of funding earning assets | 0.2188% | 4,948 |
| Net interest margin | 3.3252% | 4,210 |
| Noninterest income to average assets | 0.7153% | 1,814 |
| Noninterest expense to average assets | 4.5770% | 272 |
| Loan and lease loss provision to assets | 0.1956% | 898 |
| Net operating income to assets | -1.0768% | 5,427 |
| Return on assets (ROA) | -1.0768% | 5,421 |
| Pretax return on assets | -1.0740% | 5,419 |
| Return on Equity (ROE) | -8.2911% | 5,411 |
| Retained earnings to average equity (ytd only) | -8.2911% | 5,368 |
| Net charge-offs to loans | -0.0173% | 4,585 |
| Credit loss provision to net charge-offs | -3,077.7778% | 4,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.0458% | 57 |
| Assets per employee ($millions) | 3.2068% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4049% | 5,281 |
| Loan loss allowance to noncurrent loans | 54.4815% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 3,397 |
| Noncurrent loans to loans | 0.7431% | 2,229 |
| Net loans and leases to total assets | 43.2354% | 4,908 |
| Net loans and leases to deposits | 52.4258% | 4,877 |
| Net loans and leases to core deposits | 53.9415% | 4,913 |
| Total domestic deposits to total assets | 82.4696% | 3,470 |
| Equity capital to assets | 14.8230% | 758 |
| Core capital (leverage) ratio | 13.5754% | 1,075 |
| Tier 1 risk-based capital ratio | 26.1522% | 672 |
| Total risk-based capital ratio | 26.4993% | 717 |
| Memoranda: | ||
| Average total assets | $188,823,500 | 2,994 |
| Average earning assets | $169,411,000 | 3,054 |
| Average equity | $24,523,500 | 2,691 |
| Average total loans | $69,234,250 | 3,921 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4904% | 4,939 |
| Cost of funding earning assets | 0.2247% | 4,889 |
| Net interest margin | 3.2657% | 4,339 |
| Noninterest income to average assets | 0.7182% | 1,802 |
| Noninterest expense to average assets | 4.2223% | 402 |
| Loan and lease loss provision to assets | 0.0912% | 2,102 |
| Net operating income to assets | -0.6612% | 5,456 |
| Return on assets (ROA) | -0.6612% | 5,449 |
| Pretax return on assets | -0.6581% | 5,445 |
| Return on Equity (ROE) | -5.3204% | 5,444 |
| Retained earnings to average equity (ytd only) | -5.3204% | 5,307 |
| Net charge-offs to loans | -0.0270% | 4,706 |
| Credit loss provision to net charge-offs | -977.7778% | 4,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8514% | 86 |
| Assets per employee ($millions) | 2.9982% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1899% | 5,457 |
| Loan loss allowance to noncurrent loans | 20.4047% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 3,206 |
| Noncurrent loans to loans | 0.9305% | 1,864 |
| Net loans and leases to total assets | 35.9583% | 5,181 |
| Net loans and leases to deposits | 43.2899% | 5,164 |
| Net loans and leases to core deposits | 44.6987% | 5,183 |
| Total domestic deposits to total assets | 83.0639% | 3,397 |
| Equity capital to assets | 14.3210% | 856 |
| Core capital (leverage) ratio | 12.2498% | 1,571 |
| Tier 1 risk-based capital ratio | 27.8414% | 566 |
| Total risk-based capital ratio | 27.9936% | 616 |
| Memoranda: | ||
| Average total assets | $192,973,330 | 2,974 |
| Average earning assets | $173,561,000 | 3,025 |
| Average equity | $23,983,330 | 2,755 |
| Average total loans | $66,790,330 | 4,005 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4356% | 4,972 |
| Cost of funding earning assets | 0.2180% | 4,907 |
| Net interest margin | 3.2176% | 4,407 |
| Noninterest income to average assets | 0.7621% | 1,582 |
| Noninterest expense to average assets | 4.0893% | 473 |
| Loan and lease loss provision to assets | 0.0677% | 2,409 |
| Net operating income to assets | -0.4915% | 5,493 |
| Return on assets (ROA) | -0.4915% | 5,489 |
| Pretax return on assets | -0.4875% | 5,493 |
| Return on Equity (ROE) | -4.2388% | 5,488 |
| Retained earnings to average equity (ytd only) | -4.2388% | 5,157 |
| Net charge-offs to loans | -0.0293% | 4,727 |
| Credit loss provision to net charge-offs | -680.0000% | 4,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9176% | 113 |
| Assets per employee ($millions) | 3.4673% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0970% | 5,539 |
| Loan loss allowance to noncurrent loans | 10.4478% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 3,442 |
| Noncurrent loans to loans | 0.9281% | 1,962 |
| Net loans and leases to total assets | 32.8408% | 5,297 |
| Net loans and leases to deposits | 39.1003% | 5,288 |
| Net loans and leases to core deposits | 40.2232% | 5,300 |
| Total domestic deposits to total assets | 83.9912% | 3,332 |
| Equity capital to assets | 13.1596% | 1,168 |
| Core capital (leverage) ratio | 11.3466% | 2,126 |
| Tier 1 risk-based capital ratio | 27.0640% | 617 |
| Total risk-based capital ratio | 27.1399% | 676 |
| Memoranda: | ||
| Average total assets | $201,013,000 | 2,923 |
| Average earning assets | $181,627,000 | 2,975 |
| Average equity | $23,308,500 | 2,834 |
| Average total loans | $68,321,000 | 4,001 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8829% | 5,657 |
| Cost of funding earning assets | 0.0790% | 5,553 |
| Net interest margin | 0.8039% | 5,654 |
| Noninterest income to average assets | 0.2402% | 4,695 |
| Noninterest expense to average assets | 1.3666% | 5,537 |
| Loan and lease loss provision to assets | 0.0139% | 4,011 |
| Net operating income to assets | -0.2640% | 5,463 |
| Return on assets (ROA) | -0.2640% | 5,461 |
| Pretax return on assets | -0.4034% | 5,533 |
| Return on Equity (ROE) | -2.9248% | 5,486 |
| Retained earnings to average equity (ytd only) | -2.9248% | 5,340 |
| Net charge-offs to loans | 0.0045% | 3,925 |
| Credit loss provision to net charge-offs | 700.0000% | 467 |
| Earnings coverage of net charge-offs (x) | -196.2500% | 4,124 |
| Efficiency ratio | 136.5668% | 36 |
| Assets per employee ($millions) | 3.6553% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0335% | 5,615 |
| Loan loss allowance to noncurrent loans | 3.3613% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 3,288 |
| Noncurrent loans to loans | 0.9962% | 1,777 |
| Net loans and leases to total assets | 35.0035% | 5,313 |
| Net loans and leases to deposits | 40.2829% | 5,337 |
| Net loans and leases to core deposits | 41.2766% | 5,357 |
| Total domestic deposits to total assets | 86.8941% | 2,046 |
| Equity capital to assets | 10.1625% | 3,529 |
| Core capital (leverage) ratio | 8.1604% | 5,372 |
| Tier 1 risk-based capital ratio | 18.8966% | 1,528 |
| Total risk-based capital ratio | 18.9237% | 1,847 |
| Memoranda: | ||
| Average total assets | $201,523,400 | 2,911 |
| Average earning assets | $184,722,000 | 2,916 |
| Average equity | $18,189,000 | 3,340 |
| Average total loans | $88,147,400 | 3,557 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0311% | 5,735 |
| Cost of funding earning assets | 0.0029% | 5,722 |
| Net interest margin | 0.0282% | 5,734 |
| Noninterest income to average assets | 0.0233% | 5,649 |
| Noninterest expense to average assets | 0.0551% | 5,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0040% | 5,514 |
| Return on assets (ROA) | -0.0040% | 5,520 |
| Pretax return on assets | -0.0060% | 5,514 |
| Return on Equity (ROE) | -0.0456% | 5,520 |
| Retained earnings to average equity (ytd only) | -0.0456% | 5,215 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1622% | 85 |
| Assets per employee ($millions) | 2.8109% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 2,691 |
| Noncurrent loans to loans | 1.3366% | 1,421 |
| Net loans and leases to total assets | 41.5960% | 5,130 |
| Net loans and leases to deposits | 47.5684% | 5,202 |
| Net loans and leases to core deposits | 48.6621% | 5,245 |
| Total domestic deposits to total assets | 87.4447% | 1,648 |
| Equity capital to assets | 9.8229% | 4,119 |
| Core capital (leverage) ratio | 8.8057% | 4,960 |
| Tier 1 risk-based capital ratio | 17.7502% | 1,929 |
| Total risk-based capital ratio | 17.7502% | 2,278 |
| Memoranda: | ||
| Average total assets | $200,730,750 | 2,946 |
| Average earning assets | $184,612,000 | 2,942 |
| Average equity | $17,535,750 | 3,454 |
| Average total loans | $92,265,750 | 3,519 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1316% | 5,322 |
| Cost of funding earning assets | 0.3368% | 3,729 |
| Net interest margin | 2.7947% | 5,252 |
| Noninterest income to average assets | 1.8000% | 375 |
| Noninterest expense to average assets | 4.6989% | 270 |
| Loan and lease loss provision to assets | 0.0781% | 2,419 |
| Net operating income to assets | -0.2416% | 5,633 |
| Return on assets (ROA) | -0.2416% | 5,631 |
| Pretax return on assets | -0.3927% | 5,650 |
| Return on Equity (ROE) | -2.9009% | 5,648 |
| Retained earnings to average equity (ytd only) | -2.9009% | 5,423 |
| Net charge-offs to loans | 0.1555% | 1,228 |
| Credit loss provision to net charge-offs | 105.5556% | 1,946 |
| Earnings coverage of net charge-offs (x) | -4.2500% | 3,459 |
| Efficiency ratio | 107.1747% | 122 |
| Assets per employee ($millions) | 2.4876% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,775 |
| Loan loss allowance to noncurrent loans | 73.7736% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 2,727 |
| Noncurrent loans to loans | 1.1708% | 1,674 |
| Net loans and leases to total assets | 46.8595% | 4,895 |
| Net loans and leases to deposits | 52.8508% | 5,022 |
| Net loans and leases to core deposits | 54.2277% | 5,080 |
| Total domestic deposits to total assets | 88.6636% | 1,123 |
| Equity capital to assets | 8.4905% | 5,310 |
| Core capital (leverage) ratio | 8.5091% | 5,211 |
| Tier 1 risk-based capital ratio | 18.1719% | 1,804 |
| Total risk-based capital ratio | 19.0400% | 1,881 |
| Memoranda: | ||
| Average total assets | $194,556,330 | 3,012 |
| Average earning assets | $179,909,330 | 3,003 |
| Average equity | $16,202,000 | 3,616 |
| Average total loans | $92,620,670 | 3,522 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1789% | 5,268 |
| Cost of funding earning assets | 0.3466% | 3,571 |
| Net interest margin | 2.8323% | 5,199 |
| Noninterest income to average assets | 1.6321% | 420 |
| Noninterest expense to average assets | 4.9719% | 237 |
| Loan and lease loss provision to assets | 0.0408% | 2,989 |
| Net operating income to assets | -0.4856% | 5,737 |
| Return on assets (ROA) | -0.4856% | 5,734 |
| Pretax return on assets | -0.7630% | 5,759 |
| Return on Equity (ROE) | -5.8869% | 5,745 |
| Retained earnings to average equity (ytd only) | -5.8869% | 5,438 |
| Net charge-offs to loans | 0.3246% | 572 |
| Credit loss provision to net charge-offs | 26.3158% | 2,137 |
| Earnings coverage of net charge-offs (x) | -4.6579% | 2,904 |
| Efficiency ratio | 116.9947% | 82 |
| Assets per employee ($millions) | 2.5996% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 5,061 |
| Loan loss allowance to noncurrent loans | 62.2414% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6534% | 2,673 |
| Noncurrent loans to loans | 1.2887% | 1,566 |
| Net loans and leases to total assets | 45.7973% | 4,950 |
| Net loans and leases to deposits | 51.8236% | 5,042 |
| Net loans and leases to core deposits | 53.1547% | 5,097 |
| Total domestic deposits to total assets | 88.3717% | 1,498 |
| Equity capital to assets | 8.2766% | 5,371 |
| Core capital (leverage) ratio | 8.3702% | 5,329 |
| Tier 1 risk-based capital ratio | 17.5812% | 2,009 |
| Total risk-based capital ratio | 18.3568% | 2,098 |
| Memoranda: | ||
| Average total assets | $196,063,000 | 3,034 |
| Average earning assets | $181,197,500 | 3,015 |
| Average equity | $16,171,500 | 3,641 |
| Average total loans | $93,662,000 | 3,520 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4293% | 4,926 |
| Cost of funding earning assets | 0.3813% | 3,187 |
| Net interest margin | 3.0480% | 4,854 |
| Noninterest income to average assets | 2.3673% | 270 |
| Noninterest expense to average assets | 4.9030% | 272 |
| Loan and lease loss provision to assets | 0.0426% | 3,530 |
| Net operating income to assets | 0.1622% | 5,471 |
| Return on assets (ROA) | 0.2016% | 5,467 |
| Pretax return on assets | 0.2833% | 5,383 |
| Return on Equity (ROE) | 2.1809% | 5,362 |
| Retained earnings to average equity (ytd only) | 0.3635% | 5,172 |
| Net charge-offs to loans | 0.0589% | 2,867 |
| Credit loss provision to net charge-offs | 135.7143% | 2,001 |
| Earnings coverage of net charge-offs (x) | 8.6250% | 2,849 |
| Efficiency ratio | 94.7727% | 352 |
| Assets per employee ($millions) | 2.5604% | 5,636 |
| Cash dividends to net income (ytd only)* | 83.3333% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 5,107 |
| Loan loss allowance to noncurrent loans | 91.8536% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 3,271 |
| Noncurrent loans to loans | 0.8704% | 2,359 |
| Net loans and leases to total assets | 48.9627% | 4,836 |
| Net loans and leases to deposits | 55.4307% | 4,947 |
| Net loans and leases to core deposits | 56.8400% | 5,020 |
| Total domestic deposits to total assets | 88.3315% | 1,471 |
| Equity capital to assets | 8.2200% | 5,459 |
| Core capital (leverage) ratio | 8.3328% | 5,412 |
| Tier 1 risk-based capital ratio | 17.6880% | 1,948 |
| Total risk-based capital ratio | 18.5168% | 2,029 |
| Memoranda: | ||
| Average total assets | $178,603,400 | 3,180 |
| Average earning assets | $164,437,200 | 3,180 |
| Average equity | $16,506,600 | 3,623 |
| Average total loans | $95,104,400 | 3,481 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 4,880 |
| Cost of funding earning assets | 0.3868% | 3,156 |
| Net interest margin | 3.0889% | 4,801 |
| Noninterest income to average assets | 2.4311% | 266 |
| Noninterest expense to average assets | 4.9579% | 276 |
| Loan and lease loss provision to assets | 0.0360% | 3,528 |
| Net operating income to assets | 0.1975% | 5,467 |
| Return on assets (ROA) | 0.2514% | 5,457 |
| Pretax return on assets | 0.3526% | 5,373 |
| Return on Equity (ROE) | 2.6374% | 5,322 |
| Retained earnings to average equity (ytd only) | 0.2251% | 5,289 |
| Net charge-offs to loans | 0.0959% | 1,990 |
| Credit loss provision to net charge-offs | 69.1176% | 2,807 |
| Earnings coverage of net charge-offs (x) | 6.0003% | 3,049 |
| Efficiency ratio | 94.0672% | 385 |
| Assets per employee ($millions) | 2.7807% | 5,560 |
| Cash dividends to net income (ytd only)* | 91.4639% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 5,481 |
| Loan loss allowance to noncurrent loans | 85.3998% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 3,544 |
| Noncurrent loans to loans | 0.7885% | 2,703 |
| Net loans and leases to total assets | 51.4420% | 4,698 |
| Net loans and leases to deposits | 62.8594% | 4,569 |
| Net loans and leases to core deposits | 64.4793% | 4,701 |
| Total domestic deposits to total assets | 81.8367% | 3,982 |
| Equity capital to assets | 7.9604% | 5,751 |
| Core capital (leverage) ratio | 8.5346% | 5,331 |
| Tier 1 risk-based capital ratio | 16.5507% | 2,393 |
| Total risk-based capital ratio | 17.2867% | 2,555 |
| Memoranda: | ||
| Average total assets | $173,965,750 | 3,243 |
| Average earning assets | $159,922,250 | 3,254 |
| Average equity | $16,581,750 | 3,644 |
| Average total loans | $94,553,000 | 3,503 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 4,705 |
| Cost of funding earning assets | 0.3987% | 3,055 |
| Net interest margin | 3.1628% | 4,663 |
| Noninterest income to average assets | 2.5324% | 252 |
| Noninterest expense to average assets | 5.1898% | 242 |
| Loan and lease loss provision to assets | 0.0297% | 3,536 |
| Net operating income to assets | 0.1528% | 5,609 |
| Return on assets (ROA) | 0.2142% | 5,558 |
| Pretax return on assets | 0.2947% | 5,502 |
| Return on Equity (ROE) | 2.0968% | 5,488 |
| Retained earnings to average equity (ytd only) | -1.5393% | 5,497 |
| Net charge-offs to loans | 0.1049% | 1,777 |
| Credit loss provision to net charge-offs | 51.0638% | 2,659 |
| Earnings coverage of net charge-offs (x) | 4.1277% | 3,018 |
| Efficiency ratio | 95.5758% | 361 |
| Assets per employee ($millions) | 2.1411% | 5,909 |
| Cash dividends to net income (ytd only)* | 173.4104% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 5,401 |
| Loan loss allowance to noncurrent loans | 83.9041% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 3,184 |
| Noncurrent loans to loans | 0.8958% | 2,487 |
| Net loans and leases to total assets | 58.8677% | 4,025 |
| Net loans and leases to deposits | 70.9328% | 3,898 |
| Net loans and leases to core deposits | 72.5382% | 4,128 |
| Total domestic deposits to total assets | 82.9907% | 3,659 |
| Equity capital to assets | 10.1120% | 4,080 |
| Core capital (leverage) ratio | 10.1968% | 3,338 |
| Tier 1 risk-based capital ratio | 19.2030% | 1,648 |
| Total risk-based capital ratio | 20.0627% | 1,697 |
| Memoranda: | ||
| Average total assets | $161,510,000 | 3,417 |
| Average earning assets | $147,971,000 | 3,436 |
| Average equity | $16,501,330 | 3,661 |
| Average total loans | $89,587,000 | 3,625 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6775% | 4,400 |
| Cost of funding earning assets | 0.4180% | 2,875 |
| Net interest margin | 3.2595% | 4,364 |
| Noninterest income to average assets | 1.9170% | 358 |
| Noninterest expense to average assets | 5.1779% | 248 |
| Loan and lease loss provision to assets | 0.0150% | 3,494 |
| Net operating income to assets | -0.1752% | 5,875 |
| Return on assets (ROA) | -0.1752% | 5,890 |
| Pretax return on assets | -0.2903% | 5,913 |
| Return on Equity (ROE) | -1.7056% | 5,896 |
| Retained earnings to average equity (ytd only) | -9.0153% | 5,780 |
| Net charge-offs to loans | -0.0047% | 4,274 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6151% | 199 |
| Assets per employee ($millions) | 2.1706% | 5,954 |
| Cash dividends to net income (ytd only)* | -428.5714% | 6,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 4,911 |
| Loan loss allowance to noncurrent loans | 88.5417% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6201% | 3,202 |
| Noncurrent loans to loans | 1.0600% | 2,271 |
| Net loans and leases to total assets | 50.2683% | 4,782 |
| Net loans and leases to deposits | 59.2840% | 4,763 |
| Net loans and leases to core deposits | 60.7510% | 4,890 |
| Total domestic deposits to total assets | 84.7924% | 3,206 |
| Equity capital to assets | 10.1834% | 3,862 |
| Core capital (leverage) ratio | 10.0417% | 3,486 |
| Tier 1 risk-based capital ratio | 19.9387% | 1,512 |
| Total risk-based capital ratio | 20.8873% | 1,549 |
| Memoranda: | ||
| Average total assets | $159,833,500 | 3,452 |
| Average earning assets | $146,402,500 | 3,470 |
| Average equity | $16,416,500 | 3,673 |
| Average total loans | $85,487,500 | 3,713 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 4,839 |
| Cost of funding earning assets | 0.4423% | 2,717 |
| Net interest margin | 3.0894% | 4,928 |
| Noninterest income to average assets | 2.7863% | 231 |
| Noninterest expense to average assets | 5.2463% | 235 |
| Loan and lease loss provision to assets | -0.0024% | 5,598 |
| Net operating income to assets | 0.2776% | 5,417 |
| Return on assets (ROA) | 0.3602% | 5,260 |
| Pretax return on assets | 0.4552% | 5,213 |
| Return on Equity (ROE) | 3.6782% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.6782% | 3,434 |
| Net charge-offs to loans | -0.0295% | 5,396 |
| Credit loss provision to net charge-offs | 16.6667% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7747% | 496 |
| Assets per employee ($millions) | 2.0927% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 5,273 |
| Loan loss allowance to noncurrent loans | 86.0386% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 3,155 |
| Noncurrent loans to loans | 0.9847% | 2,369 |
| Net loans and leases to total assets | 55.7767% | 4,312 |
| Net loans and leases to deposits | 66.0229% | 4,315 |
| Net loans and leases to core deposits | 66.8508% | 4,522 |
| Total domestic deposits to total assets | 84.4809% | 3,294 |
| Equity capital to assets | 10.3595% | 3,559 |
| Core capital (leverage) ratio | 10.0194% | 3,481 |
| Tier 1 risk-based capital ratio | 19.7271% | 1,536 |
| Total risk-based capital ratio | 20.7691% | 1,549 |
| Memoranda: | ||
| Average total assets | $167,393,200 | 3,347 |
| Average earning assets | $152,167,600 | 3,369 |
| Average equity | $16,394,000 | 3,619 |
| Average total loans | $81,355,400 | 3,786 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4991% | 4,985 |
| Cost of funding earning assets | 0.4513% | 2,671 |
| Net interest margin | 3.0478% | 5,080 |
| Noninterest income to average assets | 2.8439% | 228 |
| Noninterest expense to average assets | 5.1135% | 261 |
| Loan and lease loss provision to assets | -0.0008% | 5,779 |
| Net operating income to assets | 0.3826% | 5,227 |
| Return on assets (ROA) | 0.4649% | 5,013 |
| Pretax return on assets | 0.6010% | 4,968 |
| Return on Equity (ROE) | 4.8125% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.8125% | 3,041 |
| Net charge-offs to loans | 0.0336% | 3,244 |
| Credit loss provision to net charge-offs | -5.0000% | 4,826 |
| Earnings coverage of net charge-offs (x) | 31.3453% | 1,457 |
| Efficiency ratio | 91.2025% | 615 |
| Assets per employee ($millions) | 2.2537% | 6,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 5,319 |
| Loan loss allowance to noncurrent loans | 62.3478% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 3,035 |
| Noncurrent loans to loans | 1.3832% | 1,850 |
| Net loans and leases to total assets | 48.1218% | 5,070 |
| Net loans and leases to deposits | 60.9875% | 4,784 |
| Net loans and leases to core deposits | 61.7616% | 4,956 |
| Total domestic deposits to total assets | 78.9044% | 5,000 |
| Equity capital to assets | 9.7302% | 4,478 |
| Core capital (leverage) ratio | 9.2942% | 4,592 |
| Tier 1 risk-based capital ratio | 19.8937% | 1,577 |
| Total risk-based capital ratio | 20.9165% | 1,595 |
| Memoranda: | ||
| Average total assets | $169,480,750 | 3,340 |
| Average earning assets | $153,636,000 | 3,376 |
| Average equity | $16,373,500 | 3,651 |
| Average total loans | $79,327,500 | 3,884 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4061% | 5,217 |
| Cost of funding earning assets | 0.4619% | 2,589 |
| Net interest margin | 2.9442% | 5,353 |
| Noninterest income to average assets | 2.7795% | 234 |
| Noninterest expense to average assets | 5.0734% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2895% | 5,470 |
| Return on assets (ROA) | 0.3920% | 5,266 |
| Pretax return on assets | 0.5021% | 5,221 |
| Return on Equity (ROE) | 4.0673% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.0673% | 3,434 |
| Net charge-offs to loans | -0.0102% | 4,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1912% | 563 |
| Assets per employee ($millions) | 2.5465% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 5,602 |
| Loan loss allowance to noncurrent loans | 63.0952% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 3,254 |
| Noncurrent loans to loans | 1.2689% | 2,122 |
| Net loans and leases to total assets | 50.1432% | 4,918 |
| Net loans and leases to deposits | 69.4066% | 3,992 |
| Net loans and leases to core deposits | 70.3089% | 4,300 |
| Total domestic deposits to total assets | 72.2456% | 5,924 |
| Equity capital to assets | 8.8819% | 5,357 |
| Core capital (leverage) ratio | 9.3612% | 4,475 |
| Tier 1 risk-based capital ratio | 19.5820% | 1,646 |
| Total risk-based capital ratio | 20.6221% | 1,672 |
| Memoranda: | ||
| Average total assets | $168,880,330 | 3,370 |
| Average earning assets | $152,842,670 | 3,404 |
| Average equity | $16,276,000 | 3,678 |
| Average total loans | $78,056,330 | 3,947 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2925% | 5,468 |
| Cost of funding earning assets | 0.4727% | 2,535 |
| Net interest margin | 2.8198% | 5,603 |
| Noninterest income to average assets | 2.3756% | 291 |
| Noninterest expense to average assets | 5.0629% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0607% | 6,064 |
| Return on assets (ROA) | 0.0074% | 6,047 |
| Pretax return on assets | -0.0272% | 6,070 |
| Return on Equity (ROE) | 0.0737% | 6,048 |
| Retained earnings to average equity (ytd only) | 0.0737% | 5,348 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7108% | 297 |
| Assets per employee ($millions) | 2.1768% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 4,700 |
| Loan loss allowance to noncurrent loans | 62.7551% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 3,008 |
| Noncurrent loans to loans | 1.6921% | 1,629 |
| Net loans and leases to total assets | 42.1187% | 5,475 |
| Net loans and leases to deposits | 51.4897% | 5,361 |
| Net loans and leases to core deposits | 52.0522% | 5,486 |
| Total domestic deposits to total assets | 81.8002% | 4,568 |
| Equity capital to assets | 9.9632% | 4,191 |
| Core capital (leverage) ratio | 10.0617% | 3,522 |
| Tier 1 risk-based capital ratio | 19.8531% | 1,663 |
| Total risk-based capital ratio | 20.8830% | 1,667 |
| Memoranda: | ||
| Average total assets | $161,645,000 | 3,485 |
| Average earning assets | $146,394,000 | 3,530 |
| Average equity | $16,271,500 | 3,703 |
| Average total loans | $70,744,500 | 4,167 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 5,143 |
| Cost of funding earning assets | 0.5506% | 2,199 |
| Net interest margin | 3.0266% | 5,390 |
| Noninterest income to average assets | 2.7112% | 216 |
| Noninterest expense to average assets | 5.3602% | 248 |
| Loan and lease loss provision to assets | -0.0830% | 6,114 |
| Net operating income to assets | 0.1486% | 5,881 |
| Return on assets (ROA) | 0.1692% | 5,879 |
| Pretax return on assets | 0.1813% | 5,899 |
| Return on Equity (ROE) | 1.6971% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.6971% | 4,965 |
| Net charge-offs to loans | 0.0055% | 4,825 |
| Credit loss provision to net charge-offs | -3,275.0000% | 6,028 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,334 |
| Efficiency ratio | 98.6007% | 402 |
| Assets per employee ($millions) | 2.1057% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 4,063 |
| Loan loss allowance to noncurrent loans | 70.1309% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 2,945 |
| Noncurrent loans to loans | 1.6975% | 1,723 |
| Net loans and leases to total assets | 44.4485% | 5,437 |
| Net loans and leases to deposits | 52.9710% | 5,412 |
| Net loans and leases to core deposits | 53.5488% | 5,525 |
| Total domestic deposits to total assets | 83.9111% | 3,760 |
| Equity capital to assets | 10.1712% | 3,893 |
| Core capital (leverage) ratio | 9.8226% | 3,810 |
| Tier 1 risk-based capital ratio | 22.7084% | 1,121 |
| Total risk-based capital ratio | 23.9351% | 1,106 |
| Memoranda: | ||
| Average total assets | $157,755,000 | 3,526 |
| Average earning assets | $142,039,200 | 3,565 |
| Average equity | $15,733,000 | 3,720 |
| Average total loans | $73,087,800 | 4,093 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5726% | 5,215 |
| Cost of funding earning assets | 0.5896% | 1,931 |
| Net interest margin | 2.9830% | 5,533 |
| Noninterest income to average assets | 2.8399% | 205 |
| Noninterest expense to average assets | 5.4092% | 237 |
| Loan and lease loss provision to assets | -0.0102% | 6,090 |
| Net operating income to assets | 0.1196% | 5,997 |
| Return on assets (ROA) | 0.1493% | 5,980 |
| Pretax return on assets | 0.1484% | 6,012 |
| Return on Equity (ROE) | 1.5045% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.5045% | 5,297 |
| Net charge-offs to loans | 0.0018% | 4,657 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,897 |
| Earnings coverage of net charge-offs (x) | 128.3158% | 465 |
| Efficiency ratio | 98.0323% | 430 |
| Assets per employee ($millions) | 2.1002% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 4,272 |
| Loan loss allowance to noncurrent loans | 65.8816% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0337% | 2,894 |
| Noncurrent loans to loans | 1.8099% | 1,781 |
| Net loans and leases to total assets | 48.8946% | 5,118 |
| Net loans and leases to deposits | 59.9650% | 4,948 |
| Net loans and leases to core deposits | 60.7335% | 5,140 |
| Total domestic deposits to total assets | 81.5386% | 4,647 |
| Equity capital to assets | 9.6104% | 4,658 |
| Core capital (leverage) ratio | 10.1028% | 3,528 |
| Tier 1 risk-based capital ratio | 21.2438% | 1,399 |
| Total risk-based capital ratio | 22.4940% | 1,375 |
| Memoranda: | ||
| Average total assets | $157,186,250 | 3,558 |
| Average earning assets | $141,106,250 | 3,613 |
| Average equity | $15,597,000 | 3,751 |
| Average total loans | $73,362,750 | 4,105 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 5,108 |
| Cost of funding earning assets | 0.6057% | 1,859 |
| Net interest margin | 3.0083% | 5,495 |
| Noninterest income to average assets | 2.8533% | 198 |
| Noninterest expense to average assets | 5.4435% | 242 |
| Loan and lease loss provision to assets | -0.0337% | 6,270 |
| Net operating income to assets | 0.1215% | 6,004 |
| Return on assets (ROA) | 0.1646% | 5,958 |
| Pretax return on assets | 0.1737% | 5,979 |
| Return on Equity (ROE) | 1.6407% | 5,918 |
| Retained earnings to average equity (ytd only) | 1.6407% | 5,081 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2912% | 452 |
| Assets per employee ($millions) | 2.0369% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 4,251 |
| Loan loss allowance to noncurrent loans | 80.2326% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.3268% | 2,463 |
| Noncurrent loans to loans | 1.5389% | 2,254 |
| Net loans and leases to total assets | 48.6348% | 5,120 |
| Net loans and leases to deposits | 60.0703% | 4,859 |
| Net loans and leases to core deposits | 60.7733% | 5,075 |
| Total domestic deposits to total assets | 80.9632% | 4,992 |
| Equity capital to assets | 10.0093% | 4,090 |
| Core capital (leverage) ratio | 10.2539% | 3,262 |
| Tier 1 risk-based capital ratio | 20.6222% | 1,533 |
| Total risk-based capital ratio | 21.8724% | 1,509 |
| Memoranda: | ||
| Average total assets | $154,277,000 | 3,616 |
| Average earning assets | $137,684,000 | 3,682 |
| Average equity | $15,481,000 | 3,772 |
| Average total loans | $70,449,670 | 4,221 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 5,186 |
| Cost of funding earning assets | 0.6161% | 1,848 |
| Net interest margin | 2.9770% | 5,580 |
| Noninterest income to average assets | 2.5267% | 237 |
| Noninterest expense to average assets | 5.4430% | 249 |
| Loan and lease loss provision to assets | -0.0790% | 6,481 |
| Net operating income to assets | -0.0737% | 6,269 |
| Return on assets (ROA) | -0.0737% | 6,276 |
| Pretax return on assets | -0.1921% | 6,342 |
| Return on Equity (ROE) | -0.7335% | 6,276 |
| Retained earnings to average equity (ytd only) | -0.7335% | 5,685 |
| Net charge-offs to loans | 0.0240% | 3,085 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | -25.7500% | 3,624 |
| Efficiency ratio | 105.2417% | 346 |
| Assets per employee ($millions) | 2.0493% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 3,293 |
| Loan loss allowance to noncurrent loans | 74.8438% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.6327% | 2,163 |
| Noncurrent loans to loans | 1.9617% | 1,915 |
| Net loans and leases to total assets | 42.3968% | 5,632 |
| Net loans and leases to deposits | 51.1500% | 5,511 |
| Net loans and leases to core deposits | 51.7461% | 5,636 |
| Total domestic deposits to total assets | 82.8871% | 4,646 |
| Equity capital to assets | 10.1031% | 3,723 |
| Core capital (leverage) ratio | 10.3323% | 3,138 |
| Tier 1 risk-based capital ratio | 22.2849% | 1,246 |
| Total risk-based capital ratio | 23.5357% | 1,221 |
| Memoranda: | ||
| Average total assets | $151,974,500 | 3,677 |
| Average earning assets | $135,036,500 | 3,746 |
| Average equity | $15,270,000 | 3,816 |
| Average total loans | $66,555,500 | 4,372 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 5,400 |
| Cost of funding earning assets | 0.6716% | 2,028 |
| Net interest margin | 2.9301% | 5,728 |
| Noninterest income to average assets | 3.7817% | 173 |
| Noninterest expense to average assets | 5.7108% | 228 |
| Loan and lease loss provision to assets | -0.1829% | 6,581 |
| Net operating income to assets | 0.6013% | 4,255 |
| Return on assets (ROA) | 0.6293% | 4,229 |
| Pretax return on assets | 0.8935% | 3,792 |
| Return on Equity (ROE) | 5.8214% | 4,197 |
| Retained earnings to average equity (ytd only) | -4.7905% | 6,357 |
| Net charge-offs to loans | 0.0274% | 4,872 |
| Credit loss provision to net charge-offs | -1,328.5714% | 6,267 |
| Earnings coverage of net charge-offs (x) | 48.7143% | 814 |
| Efficiency ratio | 89.4915% | 1,066 |
| Assets per employee ($millions) | 2.0040% | 6,635 |
| Cash dividends to net income (ytd only)* | 182.2917% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 3,368 |
| Loan loss allowance to noncurrent loans | 69.6629% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.7203% | 2,147 |
| Noncurrent loans to loans | 2.0984% | 1,885 |
| Net loans and leases to total assets | 43.9046% | 5,680 |
| Net loans and leases to deposits | 53.0416% | 5,548 |
| Net loans and leases to core deposits | 53.6562% | 5,695 |
| Total domestic deposits to total assets | 82.7738% | 4,620 |
| Equity capital to assets | 9.9926% | 3,784 |
| Core capital (leverage) ratio | 10.1885% | 3,309 |
| Tier 1 risk-based capital ratio | 21.0044% | 1,419 |
| Total risk-based capital ratio | 22.2560% | 1,399 |
| Memoranda: | ||
| Average total assets | $152,551,800 | 3,665 |
| Average earning assets | $135,353,200 | 3,732 |
| Average equity | $16,490,800 | 3,630 |
| Average total loans | $76,714,200 | 4,035 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5964% | 5,446 |
| Cost of funding earning assets | 0.6855% | 2,055 |
| Net interest margin | 2.9109% | 5,790 |
| Noninterest income to average assets | 4.0231% | 175 |
| Noninterest expense to average assets | 5.8228% | 219 |
| Loan and lease loss provision to assets | -0.2464% | 6,749 |
| Net operating income to assets | 0.7123% | 3,799 |
| Return on assets (ROA) | 0.7312% | 3,821 |
| Pretax return on assets | 1.0519% | 3,291 |
| Return on Equity (ROE) | 6.6392% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.6392% | 2,065 |
| Net charge-offs to loans | 0.0389% | 4,374 |
| Credit loss provision to net charge-offs | -1,226.0870% | 6,217 |
| Earnings coverage of net charge-offs (x) | 38.7339% | 1,028 |
| Efficiency ratio | 88.2080% | 1,150 |
| Assets per employee ($millions) | 2.1024% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 3,922 |
| Loan loss allowance to noncurrent loans | 65.4944% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.7612% | 2,327 |
| Noncurrent loans to loans | 2.1283% | 2,101 |
| Net loans and leases to total assets | 45.4936% | 5,592 |
| Net loans and leases to deposits | 55.8502% | 5,385 |
| Net loans and leases to core deposits | 56.5115% | 5,577 |
| Total domestic deposits to total assets | 81.4566% | 5,101 |
| Equity capital to assets | 11.0196% | 2,738 |
| Core capital (leverage) ratio | 10.9799% | 2,506 |
| Tier 1 risk-based capital ratio | 22.7042% | 1,200 |
| Total risk-based capital ratio | 23.9552% | 1,178 |
| Memoranda: | ||
| Average total assets | $152,614,000 | 3,695 |
| Average earning assets | $135,168,000 | 3,776 |
| Average equity | $16,808,750 | 3,628 |
| Average total loans | $78,927,750 | 4,007 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5657% | 5,542 |
| Cost of funding earning assets | 0.7096% | 2,008 |
| Net interest margin | 2.8561% | 5,884 |
| Noninterest income to average assets | 3.9678% | 185 |
| Noninterest expense to average assets | 5.8899% | 218 |
| Loan and lease loss provision to assets | -0.3584% | 6,853 |
| Net operating income to assets | 0.6678% | 3,978 |
| Return on assets (ROA) | 0.6959% | 3,995 |
| Pretax return on assets | 1.0031% | 3,499 |
| Return on Equity (ROE) | 6.3192% | 3,983 |
| Retained earnings to average equity (ytd only) | 6.3192% | 2,251 |
| Net charge-offs to loans | 0.0808% | 3,566 |
| Credit loss provision to net charge-offs | -827.2727% | 6,003 |
| Earnings coverage of net charge-offs (x) | 13.9394% | 1,862 |
| Efficiency ratio | 90.6996% | 1,009 |
| Assets per employee ($millions) | 2.0646% | 6,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,222 |
| Loan loss allowance to noncurrent loans | 75.8462% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.7142% | 2,542 |
| Noncurrent loans to loans | 1.5209% | 3,019 |
| Net loans and leases to total assets | 55.2983% | 4,400 |
| Net loans and leases to deposits | 68.1941% | 3,982 |
| Net loans and leases to core deposits | 69.0073% | 4,391 |
| Total domestic deposits to total assets | 81.0896% | 5,321 |
| Equity capital to assets | 10.9180% | 2,830 |
| Core capital (leverage) ratio | 11.1201% | 2,235 |
| Tier 1 risk-based capital ratio | 21.0426% | 1,480 |
| Total risk-based capital ratio | 22.2808% | 1,461 |
| Memoranda: | ||
| Average total assets | $152,328,000 | 3,727 |
| Average earning assets | $134,728,670 | 3,812 |
| Average equity | $16,774,330 | 3,655 |
| Average total loans | $81,634,670 | 3,936 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5104% | 5,675 |
| Cost of funding earning assets | 0.7353% | 1,958 |
| Net interest margin | 2.7751% | 6,082 |
| Noninterest income to average assets | 3.3346% | 220 |
| Noninterest expense to average assets | 5.8277% | 228 |
| Loan and lease loss provision to assets | 0.0447% | 3,860 |
| Net operating income to assets | -0.0166% | 6,365 |
| Return on assets (ROA) | 0.0053% | 6,411 |
| Pretax return on assets | -0.0421% | 6,438 |
| Return on Equity (ROE) | 0.0476% | 6,412 |
| Retained earnings to average equity (ytd only) | 0.0476% | 5,756 |
| Net charge-offs to loans | 0.1857% | 2,295 |
| Credit loss provision to net charge-offs | 45.9459% | 2,663 |
| Earnings coverage of net charge-offs (x) | -0.3243% | 3,900 |
| Efficiency ratio | 100.5445% | 527 |
| Assets per employee ($millions) | 2.1452% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 2,920 |
| Loan loss allowance to noncurrent loans | 94.9254% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 2.0565% | 2,277 |
| Noncurrent loans to loans | 1.8137% | 2,843 |
| Net loans and leases to total assets | 48.3548% | 5,189 |
| Net loans and leases to deposits | 59.3238% | 4,869 |
| Net loans and leases to core deposits | 60.1888% | 5,131 |
| Total domestic deposits to total assets | 81.5098% | 5,360 |
| Equity capital to assets | 11.1813% | 2,763 |
| Core capital (leverage) ratio | 10.8220% | 2,433 |
| Tier 1 risk-based capital ratio | 23.3565% | 1,101 |
| Total risk-based capital ratio | 24.6130% | 1,086 |
| Memoranda: | ||
| Average total assets | $152,100,000 | 3,773 |
| Average earning assets | $134,913,500 | 3,849 |
| Average equity | $16,821,000 | 3,694 |
| Average total loans | $79,715,500 | 4,017 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 5,505 |
| Cost of funding earning assets | 0.9021% | 1,922 |
| Net interest margin | 3.0230% | 5,998 |
| Noninterest income to average assets | 3.5149% | 210 |
| Noninterest expense to average assets | 4.9831% | 383 |
| Loan and lease loss provision to assets | 0.0154% | 5,710 |
| Net operating income to assets | 0.8227% | 3,170 |
| Return on assets (ROA) | 0.9476% | 2,814 |
| Pretax return on assets | 1.3858% | 2,085 |
| Return on Equity (ROE) | 8.6835% | 2,796 |
| Retained earnings to average equity (ytd only) | 7.1482% | 1,497 |
| Net charge-offs to loans | -0.0592% | 6,732 |
| Credit loss provision to net charge-offs | -50.0000% | 6,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3631% | 2,104 |
| Assets per employee ($millions) | 2.1696% | 6,850 |
| Cash dividends to net income (ytd only)* | 17.6803% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 3,704 |
| Loan loss allowance to noncurrent loans | 89.6600% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 2.1462% | 2,276 |
| Noncurrent loans to loans | 1.6844% | 3,097 |
| Net loans and leases to total assets | 54.6985% | 4,511 |
| Net loans and leases to deposits | 68.4104% | 3,917 |
| Net loans and leases to core deposits | 69.4022% | 4,387 |
| Total domestic deposits to total assets | 79.9564% | 5,679 |
| Equity capital to assets | 10.9401% | 3,026 |
| Core capital (leverage) ratio | 10.9901% | 2,259 |
| Tier 1 risk-based capital ratio | 21.4726% | 1,366 |
| Total risk-based capital ratio | 22.7282% | 1,336 |
| Memoranda: | ||
| Average total assets | $149,223,400 | 3,788 |
| Average earning assets | $132,585,000 | 3,847 |
| Average equity | $16,283,800 | 3,743 |
| Average total loans | $77,746,800 | 4,100 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 5,531 |
| Cost of funding earning assets | 0.9272% | 2,000 |
| Net interest margin | 3.0688% | 6,015 |
| Noninterest income to average assets | 3.4364% | 211 |
| Noninterest expense to average assets | 4.8299% | 411 |
| Loan and lease loss provision to assets | 0.0171% | 5,592 |
| Net operating income to assets | 0.9050% | 2,963 |
| Return on assets (ROA) | 1.0728% | 2,405 |
| Pretax return on assets | 1.5700% | 1,672 |
| Return on Equity (ROE) | 9.8376% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.8376% | 956 |
| Net charge-offs to loans | -0.0880% | 6,827 |
| Credit loss provision to net charge-offs | -38.0000% | 6,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2774% | 2,361 |
| Assets per employee ($millions) | 2.3198% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,894 |
| Loan loss allowance to noncurrent loans | 144.1964% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.9903% | 2,652 |
| Noncurrent loans to loans | 1.0495% | 4,341 |
| Net loans and leases to total assets | 56.6358% | 4,359 |
| Net loans and leases to deposits | 71.7519% | 3,648 |
| Net loans and leases to core deposits | 72.8547% | 4,146 |
| Total domestic deposits to total assets | 78.9328% | 5,884 |
| Equity capital to assets | 11.3688% | 2,880 |
| Core capital (leverage) ratio | 10.8360% | 2,558 |
| Tier 1 risk-based capital ratio | 20.7833% | 1,578 |
| Total risk-based capital ratio | 22.0393% | 1,542 |
| Memoranda: | ||
| Average total assets | $148,019,500 | 3,850 |
| Average earning assets | $131,861,750 | 3,897 |
| Average equity | $16,141,750 | 3,796 |
| Average total loans | $75,796,250 | 4,204 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 5,681 |
| Cost of funding earning assets | 0.9448% | 2,095 |
| Net interest margin | 3.0435% | 6,136 |
| Noninterest income to average assets | 3.0838% | 237 |
| Noninterest expense to average assets | 4.6054% | 503 |
| Loan and lease loss provision to assets | 0.0257% | 5,342 |
| Net operating income to assets | 0.7995% | 3,396 |
| Return on assets (ROA) | 0.9292% | 3,027 |
| Pretax return on assets | 1.3579% | 2,358 |
| Return on Equity (ROE) | 8.6437% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.6437% | 1,402 |
| Net charge-offs to loans | -0.1873% | 6,983 |
| Credit loss provision to net charge-offs | -27.9412% | 5,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4262% | 2,275 |
| Assets per employee ($millions) | 2.3974% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8828% | 2,608 |
| Loan loss allowance to noncurrent loans | 170.5729% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 2.0069% | 2,770 |
| Noncurrent loans to loans | 1.1038% | 4,319 |
| Net loans and leases to total assets | 46.6812% | 5,764 |
| Net loans and leases to deposits | 58.8289% | 5,366 |
| Net loans and leases to core deposits | 59.7385% | 5,617 |
| Total domestic deposits to total assets | 79.3508% | 5,890 |
| Equity capital to assets | 11.0768% | 3,039 |
| Core capital (leverage) ratio | 10.5226% | 2,779 |
| Tier 1 risk-based capital ratio | 21.9708% | 1,295 |
| Total risk-based capital ratio | 23.2293% | 1,274 |
| Memoranda: | ||
| Average total assets | $147,870,000 | 3,874 |
| Average earning assets | $131,886,670 | 3,926 |
| Average equity | $15,896,000 | 3,823 |
| Average total loans | $72,602,330 | 4,326 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 5,585 |
| Cost of funding earning assets | 0.9659% | 2,188 |
| Net interest margin | 3.0910% | 6,077 |
| Noninterest income to average assets | 2.8947% | 257 |
| Noninterest expense to average assets | 4.3098% | 651 |
| Loan and lease loss provision to assets | 0.0511% | 4,773 |
| Net operating income to assets | 0.8736% | 3,037 |
| Return on assets (ROA) | 0.9577% | 2,855 |
| Pretax return on assets | 1.4124% | 2,154 |
| Return on Equity (ROE) | 9.0444% | 2,805 |
| Retained earnings to average equity (ytd only) | 9.0444% | 1,576 |
| Net charge-offs to loans | 0.0756% | 3,747 |
| Credit loss provision to net charge-offs | 135.7143% | 1,812 |
| Earnings coverage of net charge-offs (x) | 35.5714% | 823 |
| Efficiency ratio | 76.2857% | 2,747 |
| Assets per employee ($millions) | 2.4345% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 3,226 |
| Loan loss allowance to noncurrent loans | 181.9259% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 2.2202% | 2,673 |
| Noncurrent loans to loans | 0.9515% | 4,770 |
| Net loans and leases to total assets | 47.7250% | 5,594 |
| Net loans and leases to deposits | 59.9226% | 5,157 |
| Net loans and leases to core deposits | 61.1157% | 5,422 |
| Total domestic deposits to total assets | 79.6444% | 5,935 |
| Equity capital to assets | 10.9052% | 3,022 |
| Core capital (leverage) ratio | 10.1506% | 3,176 |
| Tier 1 risk-based capital ratio | 20.8377% | 1,522 |
| Total risk-based capital ratio | 22.0932% | 1,487 |
| Memoranda: | ||
| Average total assets | $148,683,500 | 3,896 |
| Average earning assets | $132,515,500 | 3,932 |
| Average equity | $15,744,500 | 3,852 |
| Average total loans | $74,114,500 | 4,313 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 5,202 |
| Cost of funding earning assets | 1.1779% | 2,180 |
| Net interest margin | 3.2864% | 5,851 |
| Noninterest income to average assets | 1.2453% | 839 |
| Noninterest expense to average assets | 4.3901% | 652 |
| Loan and lease loss provision to assets | 0.0425% | 6,043 |
| Net operating income to assets | -0.2452% | 6,295 |
| Return on assets (ROA) | 0.0500% | 6,071 |
| Pretax return on assets | 0.0205% | 6,088 |
| Return on Equity (ROE) | 0.4743% | 6,071 |
| Retained earnings to average equity (ytd only) | 0.4743% | 5,615 |
| Net charge-offs to loans | 0.1233% | 5,155 |
| Credit loss provision to net charge-offs | 70.4545% | 4,830 |
| Earnings coverage of net charge-offs (x) | -3.8523% | 6,351 |
| Efficiency ratio | 105.5848% | 526 |
| Assets per employee ($millions) | 2.5217% | 6,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 3,651 |
| Loan loss allowance to noncurrent loans | 125.5647% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 2.1904% | 2,748 |
| Noncurrent loans to loans | 1.2602% | 4,265 |
| Net loans and leases to total assets | 50.2759% | 5,548 |
| Net loans and leases to deposits | 65.3300% | 4,832 |
| Net loans and leases to core deposits | 66.7758% | 5,181 |
| Total domestic deposits to total assets | 76.9569% | 6,349 |
| Equity capital to assets | 10.2843% | 3,803 |
| Core capital (leverage) ratio | 9.7457% | 3,679 |
| Tier 1 risk-based capital ratio | 19.6406% | 1,717 |
| Total risk-based capital ratio | 20.8964% | 1,683 |
| Memoranda: | ||
| Average total assets | $145,986,400 | 3,877 |
| Average earning assets | $129,381,000 | 3,948 |
| Average equity | $15,389,800 | 3,837 |
| Average total loans | $71,397,600 | 4,435 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 4,904 |
| Cost of funding earning assets | 1.2338% | 2,096 |
| Net interest margin | 3.3561% | 5,695 |
| Noninterest income to average assets | 1.0950% | 1,113 |
| Noninterest expense to average assets | 4.4287% | 613 |
| Loan and lease loss provision to assets | 0.0479% | 5,844 |
| Net operating income to assets | -0.2240% | 6,408 |
| Return on assets (ROA) | 0.0267% | 6,215 |
| Pretax return on assets | -0.0240% | 6,254 |
| Return on Equity (ROE) | 0.2520% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.2520% | 5,879 |
| Net charge-offs to loans | 0.0648% | 5,313 |
| Credit loss provision to net charge-offs | 152.9412% | 2,032 |
| Earnings coverage of net charge-offs (x) | -11.7359% | 6,138 |
| Efficiency ratio | 109.0558% | 447 |
| Assets per employee ($millions) | 2.4579% | 6,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8040% | 2,930 |
| Loan loss allowance to noncurrent loans | 126.3210% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 2.4724% | 2,600 |
| Noncurrent loans to loans | 1.4281% | 4,149 |
| Net loans and leases to total assets | 46.7644% | 6,076 |
| Net loans and leases to deposits | 58.6025% | 5,788 |
| Net loans and leases to core deposits | 60.0151% | 5,995 |
| Total domestic deposits to total assets | 79.7994% | 5,794 |
| Equity capital to assets | 10.5763% | 3,605 |
| Core capital (leverage) ratio | 9.8818% | 3,601 |
| Tier 1 risk-based capital ratio | 20.5493% | 1,548 |
| Total risk-based capital ratio | 21.8066% | 1,516 |
| Memoranda: | ||
| Average total assets | $144,658,250 | 3,914 |
| Average earning assets | $127,843,750 | 3,999 |
| Average equity | $15,347,250 | 3,851 |
| Average total loans | $69,924,500 | 4,529 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6297% | 4,849 |
| Cost of funding earning assets | 1.2698% | 2,118 |
| Net interest margin | 3.3599% | 5,685 |
| Noninterest income to average assets | 1.4486% | 608 |
| Noninterest expense to average assets | 4.6229% | 525 |
| Loan and lease loss provision to assets | 0.0515% | 5,668 |
| Net operating income to assets | -0.2456% | 6,511 |
| Return on assets (ROA) | 0.0932% | 6,111 |
| Pretax return on assets | 0.0988% | 6,105 |
| Return on Equity (ROE) | 0.8779% | 6,116 |
| Retained earnings to average equity (ytd only) | 0.8779% | 5,518 |
| Net charge-offs to loans | 0.0687% | 4,950 |
| Credit loss provision to net charge-offs | 154.1667% | 1,976 |
| Earnings coverage of net charge-offs (x) | -6.2917% | 5,806 |
| Efficiency ratio | 104.7619% | 593 |
| Assets per employee ($millions) | 2.5180% | 6,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 2,834 |
| Loan loss allowance to noncurrent loans | 123.4834% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 2.9019% | 2,314 |
| Noncurrent loans to loans | 1.4965% | 4,175 |
| Net loans and leases to total assets | 46.7016% | 6,194 |
| Net loans and leases to deposits | 59.0013% | 5,820 |
| Net loans and leases to core deposits | 60.6180% | 6,039 |
| Total domestic deposits to total assets | 79.1536% | 6,048 |
| Equity capital to assets | 10.9499% | 3,010 |
| Core capital (leverage) ratio | 10.1036% | 3,142 |
| Tier 1 risk-based capital ratio | 20.6362% | 1,486 |
| Total risk-based capital ratio | 21.8936% | 1,461 |
| Memoranda: | ||
| Average total assets | $143,720,670 | 3,963 |
| Average earning assets | $126,790,670 | 4,049 |
| Average equity | $15,264,000 | 3,861 |
| Average total loans | $69,822,330 | 4,583 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 5,199 |
| Cost of funding earning assets | 1.3025% | 2,157 |
| Net interest margin | 3.2389% | 5,957 |
| Noninterest income to average assets | 1.3434% | 716 |
| Noninterest expense to average assets | 4.5196% | 583 |
| Loan and lease loss provision to assets | 0.0612% | 5,232 |
| Net operating income to assets | -0.3643% | 6,719 |
| Return on assets (ROA) | 0.0612% | 6,251 |
| Pretax return on assets | 0.0445% | 6,275 |
| Return on Equity (ROE) | 0.5852% | 6,248 |
| Retained earnings to average equity (ytd only) | 0.5852% | 5,599 |
| Net charge-offs to loans | -0.0453% | 6,849 |
| Credit loss provision to net charge-offs | -275.0000% | 5,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6159% | 546 |
| Assets per employee ($millions) | 2.5500% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 2,766 |
| Loan loss allowance to noncurrent loans | 147.1807% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 2.9948% | 2,304 |
| Noncurrent loans to loans | 1.2755% | 4,568 |
| Net loans and leases to total assets | 45.9935% | 6,288 |
| Net loans and leases to deposits | 57.4799% | 5,977 |
| Net loans and leases to core deposits | 58.9051% | 6,187 |
| Total domestic deposits to total assets | 80.0166% | 5,942 |
| Equity capital to assets | 10.3646% | 3,330 |
| Core capital (leverage) ratio | 9.7147% | 3,503 |
| Tier 1 risk-based capital ratio | 19.4644% | 1,705 |
| Total risk-based capital ratio | 20.7217% | 1,669 |
| Memoranda: | ||
| Average total assets | $143,818,000 | 3,998 |
| Average earning assets | $126,832,000 | 4,089 |
| Average equity | $15,038,000 | 3,896 |
| Average total loans | $70,588,000 | 4,599 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 4,939 |
| Cost of funding earning assets | 1.5612% | 2,297 |
| Net interest margin | 3.3534% | 5,779 |
| Noninterest income to average assets | 1.7764% | 479 |
| Noninterest expense to average assets | 4.8133% | 488 |
| Loan and lease loss provision to assets | 0.0736% | 6,414 |
| Net operating income to assets | -0.1135% | 6,009 |
| Return on assets (ROA) | 0.1039% | 5,717 |
| Pretax return on assets | 0.0537% | 5,792 |
| Return on Equity (ROE) | 1.0127% | 5,688 |
| Retained earnings to average equity (ytd only) | 1.0127% | 5,034 |
| Net charge-offs to loans | 0.4706% | 3,737 |
| Credit loss provision to net charge-offs | 30.4843% | 6,488 |
| Earnings coverage of net charge-offs (x) | -0.3732% | 6,400 |
| Efficiency ratio | 101.9082% | 726 |
| Assets per employee ($millions) | 2.3714% | 7,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 3,181 |
| Loan loss allowance to noncurrent loans | 294.5755% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 2.8211% | 2,484 |
| Noncurrent loans to loans | 0.5805% | 5,896 |
| Net loans and leases to total assets | 50.4593% | 6,125 |
| Net loans and leases to deposits | 63.4790% | 5,686 |
| Net loans and leases to core deposits | 65.1311% | 5,963 |
| Total domestic deposits to total assets | 79.4898% | 5,971 |
| Equity capital to assets | 10.5500% | 3,105 |
| Core capital (leverage) ratio | 9.5805% | 3,588 |
| Tier 1 risk-based capital ratio | 18.6394% | 1,806 |
| Total risk-based capital ratio | 19.8943% | 1,776 |
| Memoranda: | ||
| Average total assets | $145,346,600 | 3,959 |
| Average earning assets | $127,721,800 | 4,072 |
| Average equity | $14,911,000 | 3,956 |
| Average total loans | $74,593,000 | 4,501 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9624% | 4,982 |
| Cost of funding earning assets | 1.6077% | 2,345 |
| Net interest margin | 3.3547% | 5,829 |
| Noninterest income to average assets | 1.5841% | 558 |
| Noninterest expense to average assets | 4.8099% | 443 |
| Loan and lease loss provision to assets | 0.0976% | 6,046 |
| Net operating income to assets | -0.1749% | 6,285 |
| Return on assets (ROA) | -0.0073% | 6,142 |
| Pretax return on assets | -0.1159% | 6,236 |
| Return on Equity (ROE) | -0.0717% | 6,144 |
| Retained earnings to average equity (ytd only) | -0.0717% | 5,804 |
| Net charge-offs to loans | 0.0889% | 5,637 |
| Credit loss provision to net charge-offs | 214.0000% | 1,639 |
| Earnings coverage of net charge-offs (x) | -6.1395% | 6,602 |
| Efficiency ratio | 106.1845% | 599 |
| Assets per employee ($millions) | 2.3250% | 7,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 2,355 |
| Loan loss allowance to noncurrent loans | 87.9183% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 3.7676% | 1,890 |
| Noncurrent loans to loans | 2.2155% | 3,426 |
| Net loans and leases to total assets | 54.1280% | 5,834 |
| Net loans and leases to deposits | 67.9527% | 5,425 |
| Net loans and leases to core deposits | 69.5400% | 5,795 |
| Total domestic deposits to total assets | 79.6554% | 5,823 |
| Equity capital to assets | 10.4252% | 3,607 |
| Core capital (leverage) ratio | 9.5034% | 3,896 |
| Tier 1 risk-based capital ratio | 17.3148% | 2,237 |
| Total risk-based capital ratio | 18.5739% | 2,195 |
| Memoranda: | ||
| Average total assets | $146,112,000 | 3,999 |
| Average earning assets | $128,296,000 | 4,104 |
| Average equity | $14,886,000 | 4,015 |
| Average total loans | $74,980,000 | 4,562 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9397% | 5,228 |
| Cost of funding earning assets | 1.6730% | 2,275 |
| Net interest margin | 3.2668% | 6,116 |
| Noninterest income to average assets | 1.3723% | 668 |
| Noninterest expense to average assets | 4.8390% | 426 |
| Loan and lease loss provision to assets | 0.1444% | 5,454 |
| Net operating income to assets | -0.4274% | 6,592 |
| Return on assets (ROA) | -0.3393% | 6,554 |
| Pretax return on assets | -0.6050% | 6,661 |
| Return on Equity (ROE) | -3.3561% | 6,552 |
| Retained earnings to average equity (ytd only) | -3.3561% | 6,348 |
| Net charge-offs to loans | 0.0218% | 6,034 |
| Credit loss provision to net charge-offs | 1,325.0000% | 298 |
| Earnings coverage of net charge-offs (x) | -54.8750% | 6,358 |
| Efficiency ratio | 114.1067% | 491 |
| Assets per employee ($millions) | 2.3653% | 7,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 1,914 |
| Loan loss allowance to noncurrent loans | 256.6129% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 2.9534% | 2,422 |
| Noncurrent loans to loans | 0.8276% | 5,627 |
| Net loans and leases to total assets | 49.9997% | 6,432 |
| Net loans and leases to deposits | 63.1192% | 6,124 |
| Net loans and leases to core deposits | 64.7164% | 6,341 |
| Total domestic deposits to total assets | 79.2147% | 5,976 |
| Equity capital to assets | 10.1993% | 3,770 |
| Core capital (leverage) ratio | 9.2280% | 4,255 |
| Tier 1 risk-based capital ratio | 16.8257% | 2,353 |
| Total risk-based capital ratio | 18.0844% | 2,294 |
| Memoranda: | ||
| Average total assets | $146,765,670 | 4,017 |
| Average earning assets | $128,873,000 | 4,112 |
| Average equity | $14,838,670 | 4,022 |
| Average total loans | $73,448,000 | 4,660 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 5,284 |
| Cost of funding earning assets | 1.7615% | 2,060 |
| Net interest margin | 3.1756% | 6,365 |
| Noninterest income to average assets | 1.2559% | 778 |
| Noninterest expense to average assets | 4.7758% | 448 |
| Loan and lease loss provision to assets | 0.2070% | 4,429 |
| Net operating income to assets | -0.5573% | 6,868 |
| Return on assets (ROA) | -0.4195% | 6,811 |
| Pretax return on assets | -0.7219% | 6,910 |
| Return on Equity (ROE) | -4.1679% | 6,836 |
| Retained earnings to average equity (ytd only) | -4.1679% | 6,520 |
| Net charge-offs to loans | 0.0275% | 5,184 |
| Credit loss provision to net charge-offs | 1,520.0000% | 315 |
| Earnings coverage of net charge-offs (x) | -53.6000% | 5,598 |
| Efficiency ratio | 118.0471% | 467 |
| Assets per employee ($millions) | 2.4025% | 7,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1612% | 1,831 |
| Loan loss allowance to noncurrent loans | 178.3352% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 3.2098% | 2,238 |
| Noncurrent loans to loans | 1.2119% | 4,941 |
| Net loans and leases to total assets | 48.3139% | 6,642 |
| Net loans and leases to deposits | 60.2223% | 6,444 |
| Net loans and leases to core deposits | 62.0071% | 6,602 |
| Total domestic deposits to total assets | 80.2259% | 5,710 |
| Equity capital to assets | 10.0635% | 3,784 |
| Core capital (leverage) ratio | 9.3668% | 3,952 |
| Tier 1 risk-based capital ratio | 17.2026% | 2,195 |
| Total risk-based capital ratio | 18.4609% | 2,146 |
| Memoranda: | ||
| Average total assets | $146,825,000 | 4,074 |
| Average earning assets | $128,983,500 | 4,171 |
| Average equity | $14,779,500 | 4,063 |
| Average total loans | $72,715,000 | 4,754 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6190% | 3,503 |
| Cost of funding earning assets | 1.9779% | 3,068 |
| Net interest margin | 3.6412% | 4,384 |
| Noninterest income to average assets | 1.4516% | 687 |
| Noninterest expense to average assets | 4.6054% | 714 |
| Loan and lease loss provision to assets | 0.2196% | 5,608 |
| Net operating income to assets | -0.1450% | 5,758 |
| Return on assets (ROA) | 0.5610% | 3,561 |
| Pretax return on assets | 0.7186% | 3,512 |
| Return on Equity (ROE) | 5.6035% | 3,378 |
| Retained earnings to average equity (ytd only) | 5.6035% | 1,523 |
| Net charge-offs to loans | 0.4252% | 4,094 |
| Credit loss provision to net charge-offs | 100.3145% | 5,496 |
| Earnings coverage of net charge-offs (x) | 0.1509% | 6,010 |
| Efficiency ratio | 99.2877% | 1,140 |
| Assets per employee ($millions) | 2.4517% | 7,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0435% | 1,929 |
| Loan loss allowance to noncurrent loans | 64.8566% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 3.6649% | 1,817 |
| Noncurrent loans to loans | 3.1507% | 2,434 |
| Net loans and leases to total assets | 48.6533% | 6,761 |
| Net loans and leases to deposits | 60.6836% | 6,586 |
| Net loans and leases to core deposits | 72.2824% | 6,641 |
| Total domestic deposits to total assets | 80.1754% | 5,624 |
| Equity capital to assets | 10.0687% | 3,666 |
| Core capital (leverage) ratio | 9.4997% | 3,722 |
| Tier 1 risk-based capital ratio | 17.4471% | 2,040 |
| Total risk-based capital ratio | 18.7045% | 1,996 |
| Memoranda: | ||
| Average total assets | $145,285,200 | 4,025 |
| Average earning assets | $127,156,800 | 4,150 |
| Average equity | $14,544,400 | 4,134 |
| Average total loans | $74,788,000 | 4,695 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7621% | 3,050 |
| Cost of funding earning assets | 2.0219% | 3,246 |
| Net interest margin | 3.7402% | 3,909 |
| Noninterest income to average assets | 1.5061% | 651 |
| Noninterest expense to average assets | 4.6039% | 658 |
| Loan and lease loss provision to assets | 0.2200% | 5,212 |
| Net operating income to assets | -0.0435% | 5,788 |
| Return on assets (ROA) | 0.6380% | 3,528 |
| Pretax return on assets | 0.8221% | 3,467 |
| Return on Equity (ROE) | 6.3821% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.3821% | 1,777 |
| Net charge-offs to loans | 0.2233% | 4,651 |
| Credit loss provision to net charge-offs | 189.6825% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1.4523% | 4,694 |
| Efficiency ratio | 96.4699% | 1,251 |
| Assets per employee ($millions) | 2.4340% | 7,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2211% | 1,385 |
| Loan loss allowance to noncurrent loans | 95.7637% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 3.7743% | 1,715 |
| Noncurrent loans to loans | 2.3193% | 3,242 |
| Net loans and leases to total assets | 48.3823% | 6,920 |
| Net loans and leases to deposits | 60.5285% | 6,787 |
| Net loans and leases to core deposits | 72.4690% | 6,818 |
| Total domestic deposits to total assets | 79.9330% | 5,456 |
| Equity capital to assets | 10.2369% | 3,803 |
| Core capital (leverage) ratio | 9.5467% | 3,849 |
| Tier 1 risk-based capital ratio | 17.3750% | 2,154 |
| Total risk-based capital ratio | 18.6339% | 2,108 |
| Memoranda: | ||
| Average total assets | $144,831,500 | 4,062 |
| Average earning assets | $126,477,500 | 4,197 |
| Average equity | $14,477,750 | 4,192 |
| Average total loans | $75,219,500 | 4,728 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8348% | 2,879 |
| Cost of funding earning assets | 2.0743% | 3,397 |
| Net interest margin | 3.7605% | 3,711 |
| Noninterest income to average assets | 1.4166% | 747 |
| Noninterest expense to average assets | 4.4493% | 812 |
| Loan and lease loss provision to assets | 0.2243% | 4,788 |
| Net operating income to assets | 0.0101% | 5,806 |
| Return on assets (ROA) | 0.8184% | 2,879 |
| Pretax return on assets | 1.0801% | 2,701 |
| Return on Equity (ROE) | 8.2540% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.2540% | 1,131 |
| Net charge-offs to loans | 0.1417% | 4,754 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 3.2222% | 3,524 |
| Efficiency ratio | 94.8627% | 1,457 |
| Assets per employee ($millions) | 2.5442% | 7,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1746% | 1,281 |
| Loan loss allowance to noncurrent loans | 56.7779% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 4.6863% | 1,182 |
| Noncurrent loans to loans | 3.8300% | 1,781 |
| Net loans and leases to total assets | 49.6331% | 6,908 |
| Net loans and leases to deposits | 61.9349% | 6,735 |
| Net loans and leases to core deposits | 73.7054% | 6,808 |
| Total domestic deposits to total assets | 80.1376% | 5,423 |
| Equity capital to assets | 9.9932% | 3,946 |
| Core capital (leverage) ratio | 9.3730% | 4,069 |
| Tier 1 risk-based capital ratio | 16.7617% | 2,377 |
| Total risk-based capital ratio | 18.0203% | 2,317 |
| Memoranda: | ||
| Average total assets | $144,428,330 | 4,094 |
| Average earning assets | $125,729,330 | 4,231 |
| Average equity | $14,320,330 | 4,236 |
| Average total loans | $76,205,000 | 4,727 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1219% | 1,859 |
| Cost of funding earning assets | 2.1241% | 3,543 |
| Net interest margin | 3.9979% | 2,652 |
| Noninterest income to average assets | 1.5624% | 567 |
| Noninterest expense to average assets | 4.2155% | 928 |
| Loan and lease loss provision to assets | 0.2414% | 4,049 |
| Net operating income to assets | 0.4170% | 4,787 |
| Return on assets (ROA) | 1.0352% | 2,315 |
| Pretax return on assets | 1.3876% | 2,002 |
| Return on Equity (ROE) | 10.4816% | 2,135 |
| Retained earnings to average equity (ytd only) | 10.4816% | 1,078 |
| Net charge-offs to loans | -0.0980% | 7,870 |
| Credit loss provision to net charge-offs | -457.8947% | 6,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9690% | 2,312 |
| Assets per employee ($millions) | 2.6046% | 7,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0975% | 1,241 |
| Loan loss allowance to noncurrent loans | 48.6306% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 4.9336% | 922 |
| Noncurrent loans to loans | 4.3131% | 1,358 |
| Net loans and leases to total assets | 51.1381% | 6,759 |
| Net loans and leases to deposits | 63.7548% | 6,583 |
| Net loans and leases to core deposits | 75.2517% | 6,735 |
| Total domestic deposits to total assets | 80.2106% | 5,280 |
| Equity capital to assets | 9.9125% | 4,102 |
| Core capital (leverage) ratio | 9.4157% | 4,084 |
| Tier 1 risk-based capital ratio | 16.4232% | 2,538 |
| Total risk-based capital ratio | 17.6822% | 2,481 |
| Memoranda: | ||
| Average total assets | $144,133,500 | 4,111 |
| Average earning assets | $124,666,500 | 4,272 |
| Average equity | $14,234,500 | 4,287 |
| Average total loans | $77,519,000 | 4,699 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5129% | 2,894 |
| Cost of funding earning assets | 2.6005% | 3,681 |
| Net interest margin | 3.9124% | 3,507 |
| Noninterest income to average assets | 1.2570% | 932 |
| Noninterest expense to average assets | 4.7057% | 761 |
| Loan and lease loss provision to assets | 1.2210% | 1,174 |
| Net operating income to assets | -0.7065% | 7,067 |
| Return on assets (ROA) | -0.5354% | 6,830 |
| Pretax return on assets | -1.0066% | 7,003 |
| Return on Equity (ROE) | -5.4538% | 6,910 |
| Retained earnings to average equity (ytd only) | -7.6095% | 6,851 |
| Net charge-offs to loans | 2.0198% | 531 |
| Credit loss provision to net charge-offs | 89.7356% | 5,688 |
| Earnings coverage of net charge-offs (x) | -0.0083% | 6,247 |
| Efficiency ratio | 100.2404% | 972 |
| Assets per employee ($millions) | 2.4984% | 7,206 |
| Cash dividends to net income (ytd only)* | -39.5257% | 8,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 1,439 |
| Loan loss allowance to noncurrent loans | 66.2522% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 5.2931% | 624 |
| Noncurrent loans to loans | 2.8560% | 1,895 |
| Net loans and leases to total assets | 54.3216% | 6,618 |
| Net loans and leases to deposits | 68.0872% | 6,458 |
| Net loans and leases to core deposits | 79.3371% | 6,664 |
| Total domestic deposits to total assets | 79.7825% | 5,107 |
| Equity capital to assets | 9.8384% | 4,242 |
| Core capital (leverage) ratio | 9.0005% | 4,741 |
| Tier 1 risk-based capital ratio | 14.8329% | 3,131 |
| Total risk-based capital ratio | 16.0890% | 3,045 |
| Memoranda: | ||
| Average total assets | $141,765,400 | 4,053 |
| Average earning assets | $124,553,400 | 4,164 |
| Average equity | $13,916,800 | 4,358 |
| Average total loans | $95,505,000 | 4,068 |