Home > Cogent Bank > Performance and Condition Ratios
Cogent Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3401% | 412 |
| Cost of funding earning assets | 2.1874% | 656 |
| Net interest margin | 4.1527% | 1,005 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.5079% | 2,273 |
| Loan and lease loss provision to assets | 0.5300% | 165 |
| Net operating income to assets | 1.0389% | 2,096 |
| Return on assets (ROA) | 1.0389% | 2,075 |
| Pretax return on assets | 1.3747% | 1,689 |
| Return on Equity (ROE) | 12.9200% | 1,749 |
| Retained earnings to average equity (ytd only) | 12.9197% | 518 |
| Net charge-offs to loans | 0.4796% | 217 |
| Credit loss provision to net charge-offs | 134.2039% | 1,565 |
| Earnings coverage of net charge-offs (x) | 4.8318% | 2,557 |
| Efficiency ratio | 56.8520% | 3,412 |
| Assets per employee ($millions) | 8.6802% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 2,602 |
| Loan loss allowance to noncurrent loans | 124.0946% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 684 |
| Noncurrent loans to loans | 0.9189% | 812 |
| Net loans and leases to total assets | 79.7400% | 673 |
| Net loans and leases to deposits | 89.3735% | 1,316 |
| Net loans and leases to core deposits | 97.0206% | 1,594 |
| Total domestic deposits to total assets | 89.2200% | 996 |
| Equity capital to assets | 7.8940% | 3,483 |
| Core capital (leverage) ratio | 8.1054% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0675% | 2,807 |
| Memoranda: | ||
| Average total assets | $1,613,498,400 | 678 |
| Average earning assets | $1,585,662,600 | 638 |
| Average equity | $129,747,800 | 763 |
| Average total loans | $1,325,265,000 | 574 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2116% | 416 |
| Cost of funding earning assets | 2.0173% | 685 |
| Net interest margin | 4.1943% | 931 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.6364% | 1,838 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.2856% | 1,577 |
| Return on assets (ROA) | 1.2856% | 1,567 |
| Pretax return on assets | 1.6890% | 1,183 |
| Return on Equity (ROE) | 15.9100% | 1,270 |
| Retained earnings to average equity (ytd only) | 15.9052% | 469 |
| Net charge-offs to loans | 0.0111% | 1,989 |
| Credit loss provision to net charge-offs | 1,601.8519% | 294 |
| Earnings coverage of net charge-offs (x) | 200.9167% | 599 |
| Efficiency ratio | 58.9570% | 3,092 |
| Assets per employee ($millions) | 8.1934% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 2,691 |
| Loan loss allowance to noncurrent loans | 204.7476% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 1,237 |
| Noncurrent loans to loans | 0.5550% | 1,441 |
| Net loans and leases to total assets | 81.0800% | 527 |
| Net loans and leases to deposits | 89.4268% | 1,274 |
| Net loans and leases to core deposits | 97.5709% | 1,471 |
| Total domestic deposits to total assets | 90.6700% | 753 |
| Equity capital to assets | 7.9975% | 3,061 |
| Core capital (leverage) ratio | 8.3713% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9400% | 2,630 |
| Memoranda: | ||
| Average total assets | $1,576,351,250 | 695 |
| Average earning assets | $1,548,976,500 | 652 |
| Average equity | $127,409,750 | 775 |
| Average total loans | $1,301,246,750 | 585 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0866% | 401 |
| Cost of funding earning assets | 1.7900% | 747 |
| Net interest margin | 4.2966% | 810 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.6265% | 1,858 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.3907% | 1,359 |
| Return on assets (ROA) | 1.3907% | 1,335 |
| Pretax return on assets | 1.8284% | 958 |
| Return on Equity (ROE) | 17.1400% | 1,079 |
| Retained earnings to average equity (ytd only) | 17.1434% | 388 |
| Net charge-offs to loans | 0.0002% | 2,451 |
| Credit loss provision to net charge-offs | 114,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 15,241.0000% | 3 |
| Efficiency ratio | 57.0555% | 3,299 |
| Assets per employee ($millions) | 8.1326% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,746 |
| Loan loss allowance to noncurrent loans | 614.9919% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 2,473 |
| Noncurrent loans to loans | 0.1856% | 2,545 |
| Net loans and leases to total assets | 81.6300% | 461 |
| Net loans and leases to deposits | 90.4120% | 1,155 |
| Net loans and leases to core deposits | 98.8611% | 1,298 |
| Total domestic deposits to total assets | 90.2900% | 846 |
| Equity capital to assets | 8.1417% | 3,126 |
| Core capital (leverage) ratio | 8.5168% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5779% | 2,744 |
| Memoranda: | ||
| Average total assets | $1,541,904,667 | 692 |
| Average earning assets | $1,514,836,667 | 652 |
| Average equity | $125,086,333 | 780 |
| Average total loans | $1,275,814,000 | 580 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9380% | 336 |
| Cost of funding earning assets | 1.5319% | 790 |
| Net interest margin | 4.4062% | 679 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.6299% | 1,872 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.4496% | 1,286 |
| Return on assets (ROA) | 1.4496% | 1,259 |
| Pretax return on assets | 1.8780% | 941 |
| Return on Equity (ROE) | 17.9000% | 1,044 |
| Retained earnings to average equity (ytd only) | 17.9032% | 520 |
| Net charge-offs to loans | -0.0010% | 3,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.1548% | 3,397 |
| Assets per employee ($millions) | 8.0997% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,794 |
| Loan loss allowance to noncurrent loans | 377.9378% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 1,860 |
| Noncurrent loans to loans | 0.3056% | 2,052 |
| Net loans and leases to total assets | 81.7300% | 395 |
| Net loans and leases to deposits | 93.2541% | 830 |
| Net loans and leases to core deposits | 100.4658% | 1,069 |
| Total domestic deposits to total assets | 87.6400% | 2,046 |
| Equity capital to assets | 8.1414% | 3,146 |
| Core capital (leverage) ratio | 8.5202% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5246% | 2,847 |
| Memoranda: | ||
| Average total assets | $1,507,734,500 | 719 |
| Average earning assets | $1,480,019,000 | 678 |
| Average equity | $122,079,000 | 807 |
| Average total loans | $1,248,873,000 | 600 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 445 |
| Cost of funding earning assets | 0.4818% | 1,516 |
| Net interest margin | 4.3030% | 417 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.7015% | 1,554 |
| Loan and lease loss provision to assets | 0.3900% | 183 |
| Net operating income to assets | 1.2555% | 1,581 |
| Return on assets (ROA) | 1.2555% | 1,532 |
| Pretax return on assets | 1.6704% | 994 |
| Return on Equity (ROE) | 14.7300% | 1,329 |
| Retained earnings to average equity (ytd only) | 14.7286% | 313 |
| Net charge-offs to loans | -0.0025% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.6850% | 3,503 |
| Assets per employee ($millions) | 8.3893% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,294 |
| Loan loss allowance to noncurrent loans | 347.3061% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 1,689 |
| Noncurrent loans to loans | 0.3514% | 1,887 |
| Net loans and leases to total assets | 81.9700% | 409 |
| Net loans and leases to deposits | 95.8892% | 648 |
| Net loans and leases to core deposits | 99.6439% | 1,023 |
| Total domestic deposits to total assets | 85.4800% | 2,862 |
| Equity capital to assets | 8.0505% | 3,033 |
| Core capital (leverage) ratio | 8.9296% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4156% | 2,887 |
| Memoranda: | ||
| Average total assets | $1,267,578,600 | 809 |
| Average earning assets | $1,246,661,600 | 763 |
| Average equity | $108,054,800 | 896 |
| Average total loans | $990,094,200 | 688 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 494 |
| Cost of funding earning assets | 0.3066% | 2,096 |
| Net interest margin | 4.2032% | 415 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.7666% | 1,311 |
| Loan and lease loss provision to assets | 0.3700% | 160 |
| Net operating income to assets | 1.1672% | 1,830 |
| Return on assets (ROA) | 1.1672% | 1,804 |
| Pretax return on assets | 1.5617% | 1,226 |
| Return on Equity (ROE) | 13.4600% | 1,575 |
| Retained earnings to average equity (ytd only) | 13.4644% | 547 |
| Net charge-offs to loans | -0.0034% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.8230% | 3,282 |
| Assets per employee ($millions) | 7.3206% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,135 |
| Loan loss allowance to noncurrent loans | 328.8840% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 1,683 |
| Noncurrent loans to loans | 0.3889% | 1,841 |
| Net loans and leases to total assets | 79.7000% | 556 |
| Net loans and leases to deposits | 88.1159% | 1,027 |
| Net loans and leases to core deposits | 92.0727% | 1,174 |
| Total domestic deposits to total assets | 90.4500% | 1,453 |
| Equity capital to assets | 8.7498% | 2,378 |
| Core capital (leverage) ratio | 9.2111% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4600% | 2,667 |
| Memoranda: | ||
| Average total assets | $1,215,342,500 | 851 |
| Average earning assets | $1,196,416,750 | 799 |
| Average equity | $105,351,750 | 923 |
| Average total loans | $931,301,500 | 730 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 629 |
| Cost of funding earning assets | 0.2228% | 2,613 |
| Net interest margin | 3.9760% | 519 |
| Noninterest income to average assets | 0.5982% | 1,749 |
| Noninterest expense to average assets | 2.7915% | 1,192 |
| Loan and lease loss provision to assets | 0.4405% | 121 |
| Net operating income to assets | 0.9610% | 2,307 |
| Return on assets (ROA) | 0.9610% | 2,286 |
| Pretax return on assets | 1.2843% | 1,798 |
| Return on Equity (ROE) | 11.1242% | 1,940 |
| Retained earnings to average equity (ytd only) | 11.1242% | 764 |
| Net charge-offs to loans | -0.0054% | 3,367 |
| Credit loss provision to net charge-offs | -10,908.3333% | 3,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8093% | 3,065 |
| Assets per employee ($millions) | 7.3284% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,234 |
| Loan loss allowance to noncurrent loans | 253.5067% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 1,413 |
| Noncurrent loans to loans | 0.5090% | 1,606 |
| Net loans and leases to total assets | 77.2452% | 617 |
| Net loans and leases to deposits | 85.2673% | 1,030 |
| Net loans and leases to core deposits | 90.7509% | 1,077 |
| Total domestic deposits to total assets | 90.5918% | 1,419 |
| Equity capital to assets | 8.8427% | 2,507 |
| Core capital (leverage) ratio | 9.1137% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6850% | 2,619 |
| Memoranda: | ||
| Average total assets | $1,188,539,333 | 860 |
| Average earning assets | $1,171,225,000 | 816 |
| Average equity | $102,677,000 | 952 |
| Average total loans | $893,048,667 | 745 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 750 |
| Cost of funding earning assets | 0.2111% | 2,657 |
| Net interest margin | 3.8051% | 630 |
| Noninterest income to average assets | 0.6045% | 1,672 |
| Noninterest expense to average assets | 2.7844% | 1,190 |
| Loan and lease loss provision to assets | 0.4649% | 105 |
| Net operating income to assets | 0.8280% | 2,564 |
| Return on assets (ROA) | 0.8280% | 2,559 |
| Pretax return on assets | 1.1091% | 2,110 |
| Return on Equity (ROE) | 9.7075% | 2,079 |
| Retained earnings to average equity (ytd only) | 9.7075% | 1,091 |
| Net charge-offs to loans | -0.0019% | 3,101 |
| Credit loss provision to net charge-offs | -33,700.0000% | 3,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8867% | 3,040 |
| Assets per employee ($millions) | 8.0233% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,441 |
| Loan loss allowance to noncurrent loans | 273.8055% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 1,784 |
| Noncurrent loans to loans | 0.4685% | 1,849 |
| Net loans and leases to total assets | 69.8585% | 1,037 |
| Net loans and leases to deposits | 76.9130% | 1,372 |
| Net loans and leases to core deposits | 82.9282% | 1,299 |
| Total domestic deposits to total assets | 90.8280% | 1,121 |
| Equity capital to assets | 8.5471% | 3,117 |
| Core capital (leverage) ratio | 9.0264% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1918% | 2,533 |
| Memoranda: | ||
| Average total assets | $1,159,897,000 | 879 |
| Average earning assets | $1,144,264,000 | 839 |
| Average equity | $98,933,500 | 995 |
| Average total loans | $852,114,000 | 760 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 824 |
| Cost of funding earning assets | 0.2759% | 2,640 |
| Net interest margin | 4.0438% | 650 |
| Noninterest income to average assets | 0.7205% | 1,688 |
| Noninterest expense to average assets | 2.7629% | 1,446 |
| Loan and lease loss provision to assets | 0.5660% | 95 |
| Net operating income to assets | 1.0759% | 2,385 |
| Return on assets (ROA) | 1.0802% | 2,440 |
| Pretax return on assets | 1.3960% | 2,068 |
| Return on Equity (ROE) | 12.8293% | 1,515 |
| Retained earnings to average equity (ytd only) | 12.8293% | 421 |
| Net charge-offs to loans | 0.0024% | 2,541 |
| Credit loss provision to net charge-offs | 30,929.4118% | 25 |
| Earnings coverage of net charge-offs (x) | 1,069.1176% | 135 |
| Efficiency ratio | 58.5434% | 3,361 |
| Assets per employee ($millions) | 6.9431% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,860 |
| Loan loss allowance to noncurrent loans | 239.1576% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 1,683 |
| Noncurrent loans to loans | 0.5041% | 1,862 |
| Net loans and leases to total assets | 75.6595% | 537 |
| Net loans and leases to deposits | 83.0765% | 982 |
| Net loans and leases to core deposits | 88.2506% | 1,063 |
| Total domestic deposits to total assets | 91.0721% | 470 |
| Equity capital to assets | 8.5092% | 4,042 |
| Core capital (leverage) ratio | 8.6130% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3800% | 2,802 |
| Memoranda: | ||
| Average total assets | $928,964,600 | 1,021 |
| Average earning assets | $918,645,000 | 968 |
| Average equity | $78,219,400 | 1,229 |
| Average total loans | $712,965,200 | 866 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 1,262 |
| Cost of funding earning assets | 0.2803% | 2,796 |
| Net interest margin | 3.8385% | 1,046 |
| Noninterest income to average assets | 0.7989% | 1,529 |
| Noninterest expense to average assets | 2.7625% | 1,424 |
| Loan and lease loss provision to assets | 0.4733% | 121 |
| Net operating income to assets | 1.0177% | 2,844 |
| Return on assets (ROA) | 1.0237% | 2,888 |
| Pretax return on assets | 1.3673% | 2,444 |
| Return on Equity (ROE) | 12.1969% | 1,979 |
| Retained earnings to average equity (ytd only) | 12.1969% | 796 |
| Net charge-offs to loans | -0.0018% | 3,192 |
| Credit loss provision to net charge-offs | -35,188.8889% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1138% | 2,972 |
| Assets per employee ($millions) | 6.7939% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,879 |
| Loan loss allowance to noncurrent loans | 1,017.0543% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,619 |
| Noncurrent loans to loans | 0.0973% | 3,596 |
| Net loans and leases to total assets | 74.8058% | 627 |
| Net loans and leases to deposits | 92.4921% | 471 |
| Net loans and leases to core deposits | 100.0476% | 582 |
| Total domestic deposits to total assets | 80.8781% | 4,112 |
| Equity capital to assets | 7.7597% | 4,631 |
| Core capital (leverage) ratio | 9.5303% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5356% | 2,847 |
| Memoranda: | ||
| Average total assets | $892,161,500 | 1,065 |
| Average earning assets | $882,411,000 | 1,007 |
| Average equity | $74,880,750 | 1,296 |
| Average total loans | $685,164,750 | 911 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 1,248 |
| Cost of funding earning assets | 0.2961% | 2,810 |
| Net interest margin | 3.8630% | 1,037 |
| Noninterest income to average assets | 0.6511% | 2,004 |
| Noninterest expense to average assets | 2.7150% | 1,552 |
| Loan and lease loss provision to assets | 0.4656% | 120 |
| Net operating income to assets | 0.9716% | 2,996 |
| Return on assets (ROA) | 0.9812% | 3,049 |
| Pretax return on assets | 1.3035% | 2,622 |
| Return on Equity (ROE) | 11.3328% | 2,295 |
| Retained earnings to average equity (ytd only) | 11.3328% | 1,053 |
| Net charge-offs to loans | -0.0015% | 3,142 |
| Credit loss provision to net charge-offs | -39,040.0000% | 4,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7126% | 2,911 |
| Assets per employee ($millions) | 6.1859% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,106 |
| Loan loss allowance to noncurrent loans | 835.8040% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 3,640 |
| Noncurrent loans to loans | 0.1099% | 3,642 |
| Net loans and leases to total assets | 76.3490% | 560 |
| Net loans and leases to deposits | 103.6551% | 188 |
| Net loans and leases to core deposits | 113.5757% | 292 |
| Total domestic deposits to total assets | 73.6567% | 4,668 |
| Equity capital to assets | 8.3908% | 4,289 |
| Core capital (leverage) ratio | 10.7784% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1204% | 2,317 |
| Memoranda: | ||
| Average total assets | $838,533,000 | 1,107 |
| Average earning assets | $829,356,000 | 1,057 |
| Average equity | $72,603,333 | 1,319 |
| Average total loans | $648,349,000 | 953 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 1,421 |
| Cost of funding earning assets | 0.3189% | 2,806 |
| Net interest margin | 3.7685% | 1,203 |
| Noninterest income to average assets | 0.7501% | 1,708 |
| Noninterest expense to average assets | 2.6640% | 1,704 |
| Loan and lease loss provision to assets | 0.3666% | 222 |
| Net operating income to assets | 1.0858% | 2,523 |
| Return on assets (ROA) | 1.0649% | 2,668 |
| Pretax return on assets | 1.4194% | 2,230 |
| Return on Equity (ROE) | 12.0764% | 1,986 |
| Retained earnings to average equity (ytd only) | 12.0764% | 1,122 |
| Net charge-offs to loans | -0.0020% | 3,134 |
| Credit loss provision to net charge-offs | -24,066.6667% | 3,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5122% | 3,087 |
| Assets per employee ($millions) | 6.4552% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,407 |
| Loan loss allowance to noncurrent loans | 655.5018% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 3,720 |
| Noncurrent loans to loans | 0.1223% | 3,700 |
| Net loans and leases to total assets | 76.4223% | 596 |
| Net loans and leases to deposits | 118.4517% | 78 |
| Net loans and leases to core deposits | 129.8480% | 143 |
| Total domestic deposits to total assets | 64.5177% | 4,857 |
| Equity capital to assets | 8.5488% | 4,078 |
| Core capital (leverage) ratio | 12.2993% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9387% | 1,308 |
| Memoranda: | ||
| Average total assets | $787,674,000 | 1,163 |
| Average earning assets | $778,872,000 | 1,104 |
| Average equity | $69,457,500 | 1,359 |
| Average total loans | $610,261,000 | 1,008 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 3,033 |
| Cost of funding earning assets | 0.5518% | 2,600 |
| Net interest margin | 3.3464% | 2,934 |
| Noninterest income to average assets | 0.5880% | 2,266 |
| Noninterest expense to average assets | 3.1439% | 1,156 |
| Loan and lease loss provision to assets | 0.3657% | 910 |
| Net operating income to assets | 0.2715% | 4,476 |
| Return on assets (ROA) | 0.3352% | 4,443 |
| Pretax return on assets | 0.4490% | 4,355 |
| Return on Equity (ROE) | 3.7364% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.7364% | 2,963 |
| Net charge-offs to loans | -0.0084% | 4,224 |
| Credit loss provision to net charge-offs | -5,818.7500% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0737% | 807 |
| Assets per employee ($millions) | 5.9611% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,290 |
| Loan loss allowance to noncurrent loans | 465.8730% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 3,565 |
| Noncurrent loans to loans | 0.1852% | 3,551 |
| Net loans and leases to total assets | 77.3525% | 661 |
| Net loans and leases to deposits | 112.8701% | 130 |
| Net loans and leases to core deposits | 120.4888% | 304 |
| Total domestic deposits to total assets | 68.5323% | 4,803 |
| Equity capital to assets | 9.1570% | 3,931 |
| Core capital (leverage) ratio | 11.9680% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0657% | 1,504 |
| Memoranda: | ||
| Average total assets | $509,178,800 | 1,527 |
| Average earning assets | $500,561,400 | 1,453 |
| Average equity | $45,686,000 | 1,825 |
| Average total loans | $381,762,400 | 1,419 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 3,208 |
| Cost of funding earning assets | 0.5981% | 2,625 |
| Net interest margin | 3.3158% | 3,138 |
| Noninterest income to average assets | 0.6252% | 2,083 |
| Noninterest expense to average assets | 3.2404% | 997 |
| Loan and lease loss provision to assets | 0.2551% | 1,593 |
| Net operating income to assets | 0.2847% | 4,467 |
| Return on assets (ROA) | 0.3324% | 4,443 |
| Pretax return on assets | 0.4435% | 4,381 |
| Return on Equity (ROE) | 3.7334% | 4,233 |
| Retained earnings to average equity (ytd only) | 3.7334% | 3,179 |
| Net charge-offs to loans | -0.0113% | 4,253 |
| Credit loss provision to net charge-offs | -3,048.2759% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5453% | 638 |
| Assets per employee ($millions) | 6.2236% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 4,366 |
| Loan loss allowance to noncurrent loans | 358.9372% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 3,604 |
| Noncurrent loans to loans | 0.2217% | 3,504 |
| Net loans and leases to total assets | 72.9504% | 1,509 |
| Net loans and leases to deposits | 109.6620% | 233 |
| Net loans and leases to core deposits | 117.7103% | 463 |
| Total domestic deposits to total assets | 66.5230% | 4,837 |
| Equity capital to assets | 6.8444% | 4,969 |
| Core capital (leverage) ratio | 8.9305% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2810% | 2,502 |
| Memoranda: | ||
| Average total assets | $462,112,000 | 1,644 |
| Average earning assets | $453,411,000 | 1,564 |
| Average equity | $41,141,250 | 1,965 |
| Average total loans | $341,156,000 | 1,523 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 2,995 |
| Cost of funding earning assets | 0.6855% | 2,472 |
| Net interest margin | 3.4349% | 2,992 |
| Noninterest income to average assets | 0.6264% | 2,027 |
| Noninterest expense to average assets | 3.3929% | 862 |
| Loan and lease loss provision to assets | 0.1562% | 2,437 |
| Net operating income to assets | 0.3267% | 4,367 |
| Return on assets (ROA) | 0.3431% | 4,402 |
| Pretax return on assets | 0.4598% | 4,316 |
| Return on Equity (ROE) | 3.4380% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.4380% | 3,205 |
| Net charge-offs to loans | -0.0140% | 4,301 |
| Credit loss provision to net charge-offs | -1,504.7619% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0750% | 580 |
| Assets per employee ($millions) | 6.0644% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 4,479 |
| Loan loss allowance to noncurrent loans | 298.5728% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 3,639 |
| Noncurrent loans to loans | 0.2493% | 3,486 |
| Net loans and leases to total assets | 71.1454% | 1,850 |
| Net loans and leases to deposits | 110.8800% | 217 |
| Net loans and leases to core deposits | 116.5171% | 515 |
| Total domestic deposits to total assets | 64.1643% | 4,913 |
| Equity capital to assets | 7.2172% | 4,935 |
| Core capital (leverage) ratio | 9.6784% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7433% | 1,910 |
| Memoranda: | ||
| Average total assets | $404,546,333 | 1,803 |
| Average earning assets | $395,938,333 | 1,727 |
| Average equity | $40,372,000 | 1,983 |
| Average total loans | $299,271,000 | 1,666 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 1,439 |
| Cost of funding earning assets | 0.9365% | 1,709 |
| Net interest margin | 3.8567% | 1,804 |
| Noninterest income to average assets | 0.7253% | 1,548 |
| Noninterest expense to average assets | 4.4529% | 318 |
| Loan and lease loss provision to assets | 0.0473% | 3,187 |
| Net operating income to assets | -0.0217% | 4,763 |
| Return on assets (ROA) | -0.0217% | 4,754 |
| Pretax return on assets | -0.0294% | 4,745 |
| Return on Equity (ROE) | -0.1729% | 4,753 |
| Retained earnings to average equity (ytd only) | -0.1729% | 4,023 |
| Net charge-offs to loans | -0.0235% | 4,390 |
| Credit loss provision to net charge-offs | -264.2857% | 3,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5994% | 242 |
| Assets per employee ($millions) | 3.8417% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,199 |
| Loan loss allowance to noncurrent loans | 313.8614% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 3,380 |
| Noncurrent loans to loans | 0.3507% | 3,230 |
| Net loans and leases to total assets | 75.8326% | 1,326 |
| Net loans and leases to deposits | 92.4238% | 1,233 |
| Net loans and leases to core deposits | 99.9345% | 1,478 |
| Total domestic deposits to total assets | 82.0487% | 3,413 |
| Equity capital to assets | 11.4044% | 2,522 |
| Core capital (leverage) ratio | 12.2578% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9573% | 2,301 |
| Memoranda: | ||
| Average total assets | $312,695,000 | 2,141 |
| Average earning assets | $303,678,500 | 2,057 |
| Average equity | $39,330,500 | 2,011 |
| Average total loans | $238,081,500 | 1,939 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 2,598 |
| Cost of funding earning assets | 1.0862% | 1,382 |
| Net interest margin | 3.5181% | 3,393 |
| Noninterest income to average assets | 0.8873% | 1,198 |
| Noninterest expense to average assets | 5.0155% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5356% | 4,324 |
| Return on assets (ROA) | 0.5356% | 4,374 |
| Pretax return on assets | -0.6766% | 5,073 |
| Return on Equity (ROE) | 3.2525% | 4,618 |
| Retained earnings to average equity (ytd only) | 3.2525% | 3,389 |
| Net charge-offs to loans | -0.1196% | 4,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5930% | 88 |
| Assets per employee ($millions) | 3.5039% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 1,966 |
| Loan loss allowance to noncurrent loans | 290.2591% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,077 |
| Noncurrent loans to loans | 0.4448% | 2,849 |
| Net loans and leases to total assets | 74.5307% | 1,667 |
| Net loans and leases to deposits | 92.9210% | 1,268 |
| Net loans and leases to core deposits | 101.9161% | 1,411 |
| Total domestic deposits to total assets | 80.2088% | 3,932 |
| Equity capital to assets | 13.9587% | 1,111 |
| Core capital (leverage) ratio | 14.1820% | 885 |
| Tier 1 risk-based capital ratio | 15.8510% | 2,459 |
| Total risk-based capital ratio | 17.0389% | 2,415 |
| Memoranda: | ||
| Average total assets | $213,576,400 | 2,721 |
| Average earning assets | $209,542,400 | 2,607 |
| Average equity | $35,172,600 | 2,125 |
| Average total loans | $147,947,400 | 2,642 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 2,838 |
| Cost of funding earning assets | 1.0741% | 1,453 |
| Net interest margin | 3.4948% | 3,576 |
| Noninterest income to average assets | 1.0338% | 869 |
| Noninterest expense to average assets | 5.3731% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.9046% | 5,169 |
| Return on assets (ROA) | -0.9046% | 5,173 |
| Pretax return on assets | -0.9046% | 5,168 |
| Return on Equity (ROE) | -5.2013% | 5,158 |
| Retained earnings to average equity (ytd only) | -5.2013% | 5,065 |
| Net charge-offs to loans | -0.1979% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2446% | 81 |
| Assets per employee ($millions) | 3.3291% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 1,059 |
| Loan loss allowance to noncurrent loans | 284.3592% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 2,879 |
| Noncurrent loans to loans | 0.5526% | 2,640 |
| Net loans and leases to total assets | 72.6274% | 2,064 |
| Net loans and leases to deposits | 87.9073% | 1,944 |
| Net loans and leases to core deposits | 96.8748% | 1,921 |
| Total domestic deposits to total assets | 82.6182% | 3,273 |
| Equity capital to assets | 15.2298% | 784 |
| Core capital (leverage) ratio | 16.6224% | 485 |
| Tier 1 risk-based capital ratio | 20.9970% | 1,195 |
| Total risk-based capital ratio | 22.2512% | 1,174 |
| Memoranda: | ||
| Average total assets | $195,140,750 | 2,906 |
| Average earning assets | $191,784,250 | 2,799 |
| Average equity | $33,939,250 | 2,212 |
| Average total loans | $130,698,750 | 2,845 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 3,105 |
| Cost of funding earning assets | 1.0478% | 1,506 |
| Net interest margin | 3.4225% | 3,825 |
| Noninterest income to average assets | 0.5001% | 2,680 |
| Noninterest expense to average assets | 5.3834% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.5180% | 5,248 |
| Return on assets (ROA) | -1.5180% | 5,248 |
| Pretax return on assets | -1.5180% | 5,244 |
| Return on Equity (ROE) | -8.2637% | 5,228 |
| Retained earnings to average equity (ytd only) | -8.2637% | 5,141 |
| Net charge-offs to loans | -0.0314% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.2723% | 47 |
| Assets per employee ($millions) | 3.1389% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 703 |
| Loan loss allowance to noncurrent loans | 218.1668% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 2,260 |
| Noncurrent loans to loans | 0.8167% | 1,957 |
| Net loans and leases to total assets | 70.2967% | 2,488 |
| Net loans and leases to deposits | 88.6045% | 1,925 |
| Net loans and leases to core deposits | 93.8877% | 2,250 |
| Total domestic deposits to total assets | 79.3376% | 4,153 |
| Equity capital to assets | 17.1116% | 455 |
| Core capital (leverage) ratio | 17.6847% | 363 |
| Tier 1 risk-based capital ratio | 22.6310% | 980 |
| Total risk-based capital ratio | 23.8863% | 967 |
| Memoranda: | ||
| Average total assets | $179,179,670 | 3,065 |
| Average earning assets | $176,185,670 | 2,956 |
| Average equity | $32,915,000 | 2,252 |
| Average total loans | $114,491,670 | 3,064 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 4,350 |
| Cost of funding earning assets | 0.9015% | 1,992 |
| Net interest margin | 3.1072% | 4,586 |
| Noninterest income to average assets | 0.4504% | 2,852 |
| Noninterest expense to average assets | 5.6034% | 157 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -2.0898% | 5,319 |
| Return on assets (ROA) | -2.0898% | 5,320 |
| Pretax return on assets | -2.0898% | 5,313 |
| Return on Equity (ROE) | -10.9077% | 5,303 |
| Retained earnings to average equity (ytd only) | -10.9077% | 5,136 |
| Net charge-offs to loans | -0.0369% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.4762% | 35 |
| Assets per employee ($millions) | 3.5640% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2732% | 315 |
| Loan loss allowance to noncurrent loans | 225.4281% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 2,310 |
| Noncurrent loans to loans | 1.0084% | 1,657 |
| Net loans and leases to total assets | 56.7163% | 4,003 |
| Net loans and leases to deposits | 70.5082% | 3,735 |
| Net loans and leases to core deposits | 86.4342% | 2,835 |
| Total domestic deposits to total assets | 80.4392% | 4,087 |
| Equity capital to assets | 17.7099% | 372 |
| Core capital (leverage) ratio | 23.6080% | 138 |
| Tier 1 risk-based capital ratio | 26.7823% | 631 |
| Total risk-based capital ratio | 28.0408% | 619 |
| Memoranda: | ||
| Average total assets | $165,185,000 | 3,235 |
| Average earning assets | $162,845,500 | 3,137 |
| Average equity | $31,647,500 | 2,320 |
| Average total loans | $97,600,000 | 3,357 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 4,164 |
| Cost of funding earning assets | 0.7561% | 1,752 |
| Net interest margin | 3.1953% | 4,494 |
| Noninterest income to average assets | -0.2883% | 5,388 |
| Noninterest expense to average assets | 3.6213% | 845 |
| Loan and lease loss provision to assets | -0.5239% | 5,386 |
| Net operating income to assets | -0.2751% | 5,286 |
| Return on assets (ROA) | -0.2751% | 5,284 |
| Pretax return on assets | -0.2751% | 5,278 |
| Return on Equity (ROE) | -2.6878% | 5,286 |
| Retained earnings to average equity (ytd only) | -2.6878% | 5,166 |
| Net charge-offs to loans | -0.4297% | 5,334 |
| Credit loss provision to net charge-offs | 199.2278% | 1,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.3094% | 44 |
| Assets per employee ($millions) | 2.6157% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3060% | 96 |
| Loan loss allowance to noncurrent loans | 259.5450% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 1,807 |
| Noncurrent loans to loans | 1.2738% | 1,249 |
| Net loans and leases to total assets | 58.6809% | 3,904 |
| Net loans and leases to deposits | 74.7861% | 3,439 |
| Net loans and leases to core deposits | 76.5106% | 3,679 |
| Total domestic deposits to total assets | 78.4650% | 4,410 |
| Equity capital to assets | 21.3699% | 185 |
| Core capital (leverage) ratio | 25.3061% | 109 |
| Tier 1 risk-based capital ratio | 35.0643% | 314 |
| Total risk-based capital ratio | 36.3391% | 313 |
| Memoranda: | ||
| Average total assets | $98,499,400 | 4,121 |
| Average earning assets | $95,890,400 | 4,042 |
| Average equity | $10,082,600 | 4,284 |
| Average total loans | $60,270,600 | 4,085 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 4,052 |
| Cost of funding earning assets | 0.7398% | 1,619 |
| Net interest margin | 3.2181% | 4,479 |
| Noninterest income to average assets | -0.4644% | 5,466 |
| Noninterest expense to average assets | 2.7439% | 2,831 |
| Loan and lease loss provision to assets | -0.7608% | 5,466 |
| Net operating income to assets | 0.6694% | 4,321 |
| Return on assets (ROA) | 0.6694% | 4,334 |
| Pretax return on assets | 0.6694% | 4,607 |
| Return on Equity (ROE) | 10.7785% | 2,274 |
| Retained earnings to average equity (ytd only) | 10.7785% | 702 |
| Net charge-offs to loans | -0.5934% | 5,415 |
| Credit loss provision to net charge-offs | 208.9069% | 1,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4464% | 112 |
| Assets per employee ($millions) | 3.3460% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1120% | 54 |
| Loan loss allowance to noncurrent loans | 253.1008% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 1,467 |
| Noncurrent loans to loans | 1.6247% | 974 |
| Net loans and leases to total assets | 58.7211% | 3,968 |
| Net loans and leases to deposits | 72.1184% | 3,759 |
| Net loans and leases to core deposits | 73.6933% | 3,965 |
| Total domestic deposits to total assets | 81.4232% | 3,758 |
| Equity capital to assets | 9.1771% | 4,390 |
| Core capital (leverage) ratio | 12.0311% | 1,768 |
| Tier 1 risk-based capital ratio | 17.4363% | 1,957 |
| Total risk-based capital ratio | 18.7239% | 1,896 |
| Memoranda: | ||
| Average total assets | $90,427,500 | 4,306 |
| Average earning assets | $87,586,500 | 4,234 |
| Average equity | $5,616,000 | 5,010 |
| Average total loans | $55,495,500 | 4,244 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9236% | 4,009 |
| Cost of funding earning assets | 0.7765% | 1,247 |
| Net interest margin | 3.1471% | 4,626 |
| Noninterest income to average assets | -0.7745% | 5,535 |
| Noninterest expense to average assets | 1.3722% | 5,407 |
| Loan and lease loss provision to assets | -0.6977% | 5,527 |
| Net operating income to assets | 1.5861% | 945 |
| Return on assets (ROA) | 1.5861% | 953 |
| Pretax return on assets | 1.5861% | 1,545 |
| Return on Equity (ROE) | 31.6107% | 29 |
| Retained earnings to average equity (ytd only) | 31.6107% | 9 |
| Net charge-offs to loans | -0.0719% | 5,049 |
| Credit loss provision to net charge-offs | 1,578.9474% | 265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6996% | 3,816 |
| Assets per employee ($millions) | 3.8670% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0667% | 35 |
| Loan loss allowance to noncurrent loans | 247.8551% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 1,223 |
| Noncurrent loans to loans | 2.0442% | 724 |
| Net loans and leases to total assets | 54.7729% | 4,271 |
| Net loans and leases to deposits | 63.7031% | 4,296 |
| Net loans and leases to core deposits | 66.4371% | 4,347 |
| Total domestic deposits to total assets | 85.9816% | 2,292 |
| Equity capital to assets | 10.4756% | 3,146 |
| Core capital (leverage) ratio | 12.1408% | 1,623 |
| Tier 1 risk-based capital ratio | 22.4040% | 994 |
| Total risk-based capital ratio | 23.7094% | 970 |
| Memoranda: | ||
| Average total assets | $85,994,670 | 4,415 |
| Average earning assets | $82,933,000 | 4,345 |
| Average equity | $4,315,000 | 5,257 |
| Average total loans | $52,820,330 | 4,328 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9806% | 3,686 |
| Cost of funding earning assets | 0.7803% | 1,046 |
| Net interest margin | 3.2003% | 4,455 |
| Noninterest income to average assets | 0.1041% | 5,312 |
| Noninterest expense to average assets | 3.5352% | 938 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.3644% | 5,480 |
| Return on assets (ROA) | -0.3644% | 5,476 |
| Pretax return on assets | -0.3644% | 5,478 |
| Return on Equity (ROE) | -16.9791% | 5,567 |
| Retained earnings to average equity (ytd only) | -16.9791% | 5,477 |
| Net charge-offs to loans | -0.0523% | 4,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4925% | 92 |
| Assets per employee ($millions) | 5.4734% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5328% | 29 |
| Loan loss allowance to noncurrent loans | 263.2634% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 3.0950% | 250 |
| Noncurrent loans to loans | 2.1016% | 740 |
| Net loans and leases to total assets | 60.0602% | 3,746 |
| Net loans and leases to deposits | 65.8996% | 4,091 |
| Net loans and leases to core deposits | 69.7602% | 4,095 |
| Total domestic deposits to total assets | 91.1390% | 276 |
| Equity capital to assets | 1.9476% | 5,604 |
| Core capital (leverage) ratio | 2.9265% | 5,602 |
| Tier 1 risk-based capital ratio | 5.2123% | 5,600 |
| Total risk-based capital ratio | 6.5222% | 5,600 |
| Memoranda: | ||
| Average total assets | $84,522,000 | 4,486 |
| Average earning assets | $80,992,000 | 4,434 |
| Average equity | $1,814,000 | 5,564 |
| Average total loans | $53,573,000 | 4,361 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 3,718 |
| Cost of funding earning assets | 0.8139% | 576 |
| Net interest margin | 3.0884% | 4,715 |
| Noninterest income to average assets | 0.7026% | 1,952 |
| Noninterest expense to average assets | 3.5650% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0774% | 5,278 |
| Return on assets (ROA) | 0.0646% | 5,295 |
| Pretax return on assets | 0.0646% | 5,398 |
| Return on Equity (ROE) | 2.8118% | 4,886 |
| Retained earnings to average equity (ytd only) | 2.8118% | 3,626 |
| Net charge-offs to loans | -0.1010% | 5,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8761% | 208 |
| Assets per employee ($millions) | 5.1143% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2450% | 30 |
| Loan loss allowance to noncurrent loans | 265.3775% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 2.9100% | 285 |
| Noncurrent loans to loans | 1.9764% | 776 |
| Net loans and leases to total assets | 59.8852% | 3,843 |
| Net loans and leases to deposits | 64.4589% | 4,294 |
| Net loans and leases to core deposits | 68.8667% | 4,243 |
| Total domestic deposits to total assets | 92.9045% | 36 |
| Equity capital to assets | 2.3337% | 5,668 |
| Core capital (leverage) ratio | 2.8455% | 5,667 |
| Tier 1 risk-based capital ratio | 5.1477% | 5,666 |
| Total risk-based capital ratio | 6.4548% | 5,666 |
| Memoranda: | ||
| Average total assets | $94,363,000 | 4,338 |
| Average earning assets | $89,819,800 | 4,292 |
| Average equity | $2,169,400 | 5,594 |
| Average total loans | $59,412,400 | 4,214 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 3,717 |
| Cost of funding earning assets | 0.8055% | 560 |
| Net interest margin | 3.0833% | 4,750 |
| Noninterest income to average assets | 0.7995% | 1,592 |
| Noninterest expense to average assets | 3.5807% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1469% | 5,402 |
| Return on assets (ROA) | 0.1303% | 5,425 |
| Pretax return on assets | 0.1303% | 5,439 |
| Return on Equity (ROE) | 5.6852% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.6852% | 2,442 |
| Net charge-offs to loans | -0.1145% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0595% | 248 |
| Assets per employee ($millions) | 5.2977% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0480% | 38 |
| Loan loss allowance to noncurrent loans | 260.0905% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 3.0302% | 292 |
| Noncurrent loans to loans | 1.9408% | 889 |
| Net loans and leases to total assets | 60.0260% | 3,858 |
| Net loans and leases to deposits | 67.9274% | 4,119 |
| Net loans and leases to core deposits | 72.1512% | 4,121 |
| Total domestic deposits to total assets | 88.3679% | 1,189 |
| Equity capital to assets | 2.5261% | 5,733 |
| Core capital (leverage) ratio | 2.8213% | 5,733 |
| Tier 1 risk-based capital ratio | 5.0417% | 5,730 |
| Total risk-based capital ratio | 6.3466% | 5,730 |
| Memoranda: | ||
| Average total assets | $96,218,000 | 4,346 |
| Average earning assets | $91,370,750 | 4,299 |
| Average equity | $2,204,500 | 5,655 |
| Average total loans | $60,528,500 | 4,230 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 3,646 |
| Cost of funding earning assets | 0.8082% | 507 |
| Net interest margin | 3.0651% | 4,760 |
| Noninterest income to average assets | 1.1336% | 777 |
| Noninterest expense to average assets | 3.5311% | 965 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5047% | 4,690 |
| Return on assets (ROA) | 0.4803% | 4,793 |
| Pretax return on assets | 0.4803% | 5,041 |
| Return on Equity (ROE) | 21.6414% | 151 |
| Retained earnings to average equity (ytd only) | 21.6414% | 46 |
| Net charge-offs to loans | -0.2657% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4937% | 576 |
| Assets per employee ($millions) | 5.4509% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9211% | 47 |
| Loan loss allowance to noncurrent loans | 219.5011% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 2.9860% | 310 |
| Noncurrent loans to loans | 2.2420% | 717 |
| Net loans and leases to total assets | 60.5476% | 3,788 |
| Net loans and leases to deposits | 66.3596% | 4,196 |
| Net loans and leases to core deposits | 71.4420% | 4,130 |
| Total domestic deposits to total assets | 91.2417% | 166 |
| Equity capital to assets | 2.6320% | 5,785 |
| Core capital (leverage) ratio | 2.8618% | 5,784 |
| Tier 1 risk-based capital ratio | 5.1211% | 5,780 |
| Total risk-based capital ratio | 6.4239% | 5,780 |
| Memoranda: | ||
| Average total assets | $98,270,330 | 4,338 |
| Average earning assets | $93,047,000 | 4,289 |
| Average equity | $2,181,000 | 5,705 |
| Average total loans | $61,726,670 | 4,210 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 3,746 |
| Cost of funding earning assets | 0.8265% | 426 |
| Net interest margin | 2.9812% | 4,926 |
| Noninterest income to average assets | 2.6159% | 221 |
| Noninterest expense to average assets | 3.4629% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9511% | 330 |
| Return on assets (ROA) | 1.9036% | 376 |
| Pretax return on assets | 1.9036% | 628 |
| Return on Equity (ROE) | 93.7622% | 7 |
| Retained earnings to average equity (ytd only) | 93.7622% | 2 |
| Net charge-offs to loans | -0.3995% | 5,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9620% | 3,846 |
| Assets per employee ($millions) | 5.6871% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7116% | 57 |
| Loan loss allowance to noncurrent loans | 124.7405% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 4.5645% | 141 |
| Noncurrent loans to loans | 3.7772% | 295 |
| Net loans and leases to total assets | 60.3289% | 3,749 |
| Net loans and leases to deposits | 64.7448% | 4,269 |
| Net loans and leases to core deposits | 70.7128% | 4,095 |
| Total domestic deposits to total assets | 93.1796% | 31 |
| Equity capital to assets | 2.4690% | 5,849 |
| Core capital (leverage) ratio | 2.9275% | 5,849 |
| Tier 1 risk-based capital ratio | 5.3496% | 5,845 |
| Total risk-based capital ratio | 6.6478% | 5,844 |
| Memoranda: | ||
| Average total assets | $101,072,500 | 4,329 |
| Average earning assets | $94,861,000 | 4,296 |
| Average equity | $2,052,000 | 5,782 |
| Average total loans | $63,084,500 | 4,205 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 4,499 |
| Cost of funding earning assets | 0.9033% | 293 |
| Net interest margin | 2.6992% | 5,420 |
| Noninterest income to average assets | 0.1173% | 5,592 |
| Noninterest expense to average assets | 3.2408% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.6380% | 5,807 |
| Return on assets (ROA) | -0.6191% | 5,808 |
| Pretax return on assets | -0.6101% | 5,792 |
| Return on Equity (ROE) | -30.9909% | 5,888 |
| Retained earnings to average equity (ytd only) | -30.9909% | 5,878 |
| Net charge-offs to loans | 0.2062% | 1,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -5.3264% | 4,222 |
| Efficiency ratio | 124.0816% | 76 |
| Assets per employee ($millions) | 6.5916% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3427% | 61 |
| Loan loss allowance to noncurrent loans | 102.9186% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 7.9107% | 50 |
| Noncurrent loans to loans | 4.2196% | 233 |
| Net loans and leases to total assets | 58.9181% | 3,972 |
| Net loans and leases to deposits | 66.4983% | 4,205 |
| Net loans and leases to core deposits | 72.2350% | 4,070 |
| Total domestic deposits to total assets | 88.6010% | 1,323 |
| Equity capital to assets | 1.6280% | 5,909 |
| Core capital (leverage) ratio | 2.3704% | 5,908 |
| Tier 1 risk-based capital ratio | 4.1030% | 5,903 |
| Total risk-based capital ratio | 5.3948% | 5,901 |
| Memoranda: | ||
| Average total assets | $121,944,000 | 3,957 |
| Average earning assets | $112,700,000 | 3,954 |
| Average equity | $2,436,200 | 5,808 |
| Average total loans | $69,838,600 | 4,046 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 4,407 |
| Cost of funding earning assets | 0.9351% | 243 |
| Net interest margin | 2.7149% | 5,477 |
| Noninterest income to average assets | 0.0497% | 5,837 |
| Noninterest expense to average assets | 3.2533% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.7033% | 5,880 |
| Return on assets (ROA) | -0.6790% | 5,884 |
| Pretax return on assets | -0.6674% | 5,877 |
| Return on Equity (ROE) | -32.7209% | 5,960 |
| Retained earnings to average equity (ytd only) | -32.7209% | 5,948 |
| Net charge-offs to loans | 0.2589% | 908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -4.7390% | 3,893 |
| Efficiency ratio | 127.0025% | 64 |
| Assets per employee ($millions) | 5.9697% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3710% | 62 |
| Loan loss allowance to noncurrent loans | 102.0946% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 7.8759% | 61 |
| Noncurrent loans to loans | 4.2813% | 241 |
| Net loans and leases to total assets | 57.5590% | 4,136 |
| Net loans and leases to deposits | 60.3851% | 4,729 |
| Net loans and leases to core deposits | 65.7440% | 4,626 |
| Total domestic deposits to total assets | 95.3199% | 9 |
| Equity capital to assets | 2.4271% | 5,975 |
| Core capital (leverage) ratio | 2.3019% | 5,977 |
| Tier 1 risk-based capital ratio | 4.3860% | 5,972 |
| Total risk-based capital ratio | 5.6799% | 5,971 |
| Memoranda: | ||
| Average total assets | $126,063,750 | 3,918 |
| Average earning assets | $116,638,250 | 3,914 |
| Average equity | $2,616,000 | 5,853 |
| Average total loans | $71,058,500 | 4,046 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 4,142 |
| Cost of funding earning assets | 0.9770% | 192 |
| Net interest margin | 2.7676% | 5,484 |
| Noninterest income to average assets | 0.0408% | 5,933 |
| Noninterest expense to average assets | 3.2555% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.6532% | 5,947 |
| Return on assets (ROA) | -0.6260% | 5,945 |
| Pretax return on assets | -0.6260% | 5,934 |
| Return on Equity (ROE) | -31.6191% | 6,029 |
| Retained earnings to average equity (ytd only) | -31.6191% | 6,008 |
| Net charge-offs to loans | 0.4154% | 549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -2.8421% | 3,611 |
| Efficiency ratio | 125.1017% | 77 |
| Assets per employee ($millions) | 6.6000% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1304% | 69 |
| Loan loss allowance to noncurrent loans | 94.8096% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 7.2904% | 71 |
| Noncurrent loans to loans | 4.3565% | 251 |
| Net loans and leases to total assets | 54.9596% | 4,419 |
| Net loans and leases to deposits | 58.9496% | 4,855 |
| Net loans and leases to core deposits | 63.1133% | 4,803 |
| Total domestic deposits to total assets | 93.2315% | 27 |
| Equity capital to assets | 2.2492% | 6,054 |
| Core capital (leverage) ratio | 2.2941% | 6,052 |
| Tier 1 risk-based capital ratio | 4.4163% | 6,046 |
| Total risk-based capital ratio | 5.7046% | 6,046 |
| Memoranda: | ||
| Average total assets | $132,266,670 | 3,842 |
| Average earning assets | $122,416,330 | 3,839 |
| Average equity | $2,618,670 | 5,927 |
| Average total loans | $73,185,670 | 4,012 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 3,665 |
| Cost of funding earning assets | 1.0313% | 137 |
| Net interest margin | 2.8478% | 5,399 |
| Noninterest income to average assets | -0.0489% | 6,096 |
| Noninterest expense to average assets | 3.2547% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.6734% | 5,996 |
| Return on assets (ROA) | -0.7194% | 6,004 |
| Pretax return on assets | -0.7194% | 5,995 |
| Return on Equity (ROE) | -38.5802% | 6,096 |
| Retained earnings to average equity (ytd only) | -38.5802% | 6,054 |
| Net charge-offs to loans | 0.3592% | 618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -3.4412% | 3,032 |
| Efficiency ratio | 126.0870% | 82 |
| Assets per employee ($millions) | 6.0219% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9421% | 96 |
| Loan loss allowance to noncurrent loans | 63.2671% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 8.1892% | 68 |
| Noncurrent loans to loans | 6.2309% | 133 |
| Net loans and leases to total assets | 55.8216% | 4,278 |
| Net loans and leases to deposits | 59.6307% | 4,742 |
| Net loans and leases to core deposits | 63.2698% | 4,736 |
| Total domestic deposits to total assets | 93.6122% | 26 |
| Equity capital to assets | 2.1121% | 6,117 |
| Core capital (leverage) ratio | 2.1735% | 6,115 |
| Tier 1 risk-based capital ratio | 4.1516% | 6,109 |
| Total risk-based capital ratio | 5.4355% | 6,109 |
| Memoranda: | ||
| Average total assets | $139,000,000 | 3,767 |
| Average earning assets | $128,382,000 | 3,743 |
| Average equity | $2,592,000 | 5,984 |
| Average total loans | $75,726,000 | 3,978 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,261 |
| Cost of funding earning assets | 1.0536% | 128 |
| Net interest margin | 2.6802% | 5,670 |
| Noninterest income to average assets | 0.1341% | 5,742 |
| Noninterest expense to average assets | 2.6384% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0565% | 5,902 |
| Return on assets (ROA) | -0.0283% | 5,907 |
| Pretax return on assets | -0.0197% | 5,895 |
| Return on Equity (ROE) | -1.3908% | 5,952 |
| Retained earnings to average equity (ytd only) | -1.3908% | 5,699 |
| Net charge-offs to loans | -0.0642% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8523% | 246 |
| Assets per employee ($millions) | 7.2342% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8031% | 95 |
| Loan loss allowance to noncurrent loans | 46.7666% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 8.1984% | 73 |
| Noncurrent loans to loans | 8.1321% | 74 |
| Net loans and leases to total assets | 49.3671% | 4,923 |
| Net loans and leases to deposits | 56.9240% | 4,986 |
| Net loans and leases to core deposits | 61.5166% | 4,897 |
| Total domestic deposits to total assets | 86.7245% | 2,260 |
| Equity capital to assets | 1.9036% | 6,180 |
| Core capital (leverage) ratio | 2.3695% | 6,177 |
| Tier 1 risk-based capital ratio | 3.3541% | 6,177 |
| Total risk-based capital ratio | 4.6225% | 6,177 |
| Memoranda: | ||
| Average total assets | $152,139,200 | 3,538 |
| Average earning assets | $139,429,200 | 3,545 |
| Average equity | $3,091,800 | 5,993 |
| Average total loans | $85,720,400 | 3,678 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 4,021 |
| Cost of funding earning assets | 1.0483% | 136 |
| Net interest margin | 2.7733% | 5,625 |
| Noninterest income to average assets | 0.1279% | 5,835 |
| Noninterest expense to average assets | 2.6334% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0311% | 5,910 |
| Return on assets (ROA) | 0.0631% | 5,923 |
| Pretax return on assets | 0.0745% | 5,910 |
| Return on Equity (ROE) | 3.0556% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.0556% | 4,268 |
| Net charge-offs to loans | -0.0973% | 5,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6220% | 333 |
| Assets per employee ($millions) | 7.6493% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4958% | 150 |
| Loan loss allowance to noncurrent loans | 43.5349% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 8.4498% | 73 |
| Noncurrent loans to loans | 8.0300% | 71 |
| Net loans and leases to total assets | 53.6464% | 4,599 |
| Net loans and leases to deposits | 62.0528% | 4,717 |
| Net loans and leases to core deposits | 67.2449% | 4,608 |
| Total domestic deposits to total assets | 86.4529% | 2,307 |
| Equity capital to assets | 2.0917% | 6,267 |
| Core capital (leverage) ratio | 2.4516% | 6,262 |
| Tier 1 risk-based capital ratio | 3.3241% | 6,264 |
| Total risk-based capital ratio | 4.5905% | 6,263 |
| Memoranda: | ||
| Average total assets | $152,194,250 | 3,566 |
| Average earning assets | $139,517,750 | 3,578 |
| Average equity | $3,141,750 | 6,063 |
| Average total loans | $87,659,750 | 3,678 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 4,108 |
| Cost of funding earning assets | 1.0331% | 144 |
| Net interest margin | 2.7535% | 5,703 |
| Noninterest income to average assets | 0.1198% | 5,942 |
| Noninterest expense to average assets | 2.6315% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0191% | 5,970 |
| Return on assets (ROA) | 0.0527% | 5,971 |
| Pretax return on assets | 0.0698% | 5,961 |
| Return on Equity (ROE) | 2.5622% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.5622% | 4,424 |
| Net charge-offs to loans | -0.1242% | 5,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0585% | 346 |
| Assets per employee ($millions) | 7.8997% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3315% | 187 |
| Loan loss allowance to noncurrent loans | 32.7227% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 10.1656% | 66 |
| Noncurrent loans to loans | 10.1810% | 51 |
| Net loans and leases to total assets | 57.3197% | 4,183 |
| Net loans and leases to deposits | 66.2835% | 4,313 |
| Net loans and leases to core deposits | 72.2283% | 4,107 |
| Total domestic deposits to total assets | 86.4766% | 2,450 |
| Equity capital to assets | 1.8615% | 6,343 |
| Core capital (leverage) ratio | 2.4408% | 6,338 |
| Tier 1 risk-based capital ratio | 3.1139% | 6,343 |
| Total risk-based capital ratio | 4.3803% | 6,342 |
| Memoranda: | ||
| Average total assets | $151,930,670 | 3,603 |
| Average earning assets | $139,965,330 | 3,603 |
| Average equity | $3,122,330 | 6,127 |
| Average total loans | $88,531,670 | 3,675 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8012% | 4,001 |
| Cost of funding earning assets | 1.0300% | 152 |
| Net interest margin | 2.7712% | 5,701 |
| Noninterest income to average assets | 0.0523% | 6,224 |
| Noninterest expense to average assets | 2.7688% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2015% | 6,145 |
| Return on assets (ROA) | -0.1125% | 6,133 |
| Pretax return on assets | -0.0785% | 6,105 |
| Return on Equity (ROE) | -5.2335% | 6,263 |
| Retained earnings to average equity (ytd only) | -5.2335% | 5,950 |
| Net charge-offs to loans | -0.0498% | 5,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4386% | 233 |
| Assets per employee ($millions) | 6.8789% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2305% | 230 |
| Loan loss allowance to noncurrent loans | 40.3649% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 9.0388% | 81 |
| Noncurrent loans to loans | 8.0032% | 102 |
| Net loans and leases to total assets | 57.7979% | 3,977 |
| Net loans and leases to deposits | 68.6317% | 3,901 |
| Net loans and leases to core deposits | 75.0369% | 3,681 |
| Total domestic deposits to total assets | 84.2146% | 3,731 |
| Equity capital to assets | 2.2249% | 6,412 |
| Core capital (leverage) ratio | 2.3334% | 6,411 |
| Tier 1 risk-based capital ratio | 3.0372% | 6,414 |
| Total risk-based capital ratio | 4.3013% | 6,413 |
| Memoranda: | ||
| Average total assets | $152,848,500 | 3,609 |
| Average earning assets | $140,589,000 | 3,614 |
| Average equity | $3,286,500 | 6,153 |
| Average total loans | $88,298,000 | 3,689 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 4,034 |
| Cost of funding earning assets | 1.2340% | 72 |
| Net interest margin | 2.6926% | 5,955 |
| Noninterest income to average assets | 0.2286% | 5,488 |
| Noninterest expense to average assets | 3.1655% | 2,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.4530% | 6,286 |
| Return on assets (ROA) | -0.3709% | 6,261 |
| Pretax return on assets | -0.3709% | 6,244 |
| Return on Equity (ROE) | -24.3480% | 6,455 |
| Retained earnings to average equity (ytd only) | -24.3480% | 6,445 |
| Net charge-offs to loans | 1.1530% | 237 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.7106% | 4,779 |
| Efficiency ratio | 116.7006% | 146 |
| Assets per employee ($millions) | 6.7113% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3744% | 204 |
| Loan loss allowance to noncurrent loans | 45.4602% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 8.5119% | 106 |
| Noncurrent loans to loans | 7.4228% | 131 |
| Net loans and leases to total assets | 53.9631% | 4,586 |
| Net loans and leases to deposits | 63.6246% | 4,565 |
| Net loans and leases to core deposits | 70.7390% | 4,245 |
| Total domestic deposits to total assets | 84.8148% | 3,364 |
| Equity capital to assets | 2.0769% | 6,500 |
| Core capital (leverage) ratio | 2.3055% | 6,501 |
| Tier 1 risk-based capital ratio | 3.7460% | 6,500 |
| Total risk-based capital ratio | 5.0183% | 6,500 |
| Memoranda: | ||
| Average total assets | $163,132,200 | 3,443 |
| Average earning assets | $150,485,200 | 3,435 |
| Average equity | $2,484,800 | 6,356 |
| Average total loans | $90,197,200 | 3,626 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 3,867 |
| Cost of funding earning assets | 1.2810% | 63 |
| Net interest margin | 2.6913% | 6,016 |
| Noninterest income to average assets | 0.0597% | 6,360 |
| Noninterest expense to average assets | 3.1751% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.6331% | 6,400 |
| Return on assets (ROA) | -0.6218% | 6,400 |
| Pretax return on assets | -0.6218% | 6,389 |
| Return on Equity (ROE) | -44.6071% | 6,564 |
| Retained earnings to average equity (ytd only) | -44.6071% | 6,561 |
| Net charge-offs to loans | 1.5220% | 156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.7541% | 4,519 |
| Efficiency ratio | 124.9048% | 110 |
| Assets per employee ($millions) | 7.1157% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4355% | 241 |
| Loan loss allowance to noncurrent loans | 43.3254% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 9.1157% | 110 |
| Noncurrent loans to loans | 7.9295% | 125 |
| Net loans and leases to total assets | 49.9432% | 5,016 |
| Net loans and leases to deposits | 58.0072% | 5,100 |
| Net loans and leases to core deposits | 64.7676% | 4,820 |
| Total domestic deposits to total assets | 86.0982% | 2,803 |
| Equity capital to assets | 1.5336% | 6,581 |
| Core capital (leverage) ratio | 2.0871% | 6,579 |
| Tier 1 risk-based capital ratio | 3.4979% | 6,575 |
| Total risk-based capital ratio | 4.7691% | 6,575 |
| Memoranda: | ||
| Average total assets | $165,325,000 | 3,431 |
| Average earning assets | $152,485,000 | 3,422 |
| Average equity | $2,304,500 | 6,447 |
| Average total loans | $91,194,750 | 3,636 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9528% | 3,925 |
| Cost of funding earning assets | 1.2872% | 61 |
| Net interest margin | 2.6656% | 6,092 |
| Noninterest income to average assets | 0.0326% | 6,486 |
| Noninterest expense to average assets | 3.2337% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7319% | 6,491 |
| Return on assets (ROA) | -0.7150% | 6,486 |
| Pretax return on assets | -0.7150% | 6,474 |
| Return on Equity (ROE) | -53.0411% | 6,637 |
| Retained earnings to average equity (ytd only) | -53.0411% | 6,631 |
| Net charge-offs to loans | 2.0005% | 113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.6499% | 4,188 |
| Efficiency ratio | 129.2530% | 103 |
| Assets per employee ($millions) | 6.9853% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3528% | 267 |
| Loan loss allowance to noncurrent loans | 39.8072% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 8.9646% | 118 |
| Noncurrent loans to loans | 8.4225% | 114 |
| Net loans and leases to total assets | 51.8414% | 4,758 |
| Net loans and leases to deposits | 59.9920% | 4,871 |
| Net loans and leases to core deposits | 67.1252% | 4,543 |
| Total domestic deposits to total assets | 86.4138% | 2,811 |
| Equity capital to assets | 1.4966% | 6,652 |
| Core capital (leverage) ratio | 2.1562% | 6,648 |
| Tier 1 risk-based capital ratio | 3.4893% | 6,643 |
| Total risk-based capital ratio | 4.7604% | 6,643 |
| Memoranda: | ||
| Average total assets | $165,879,330 | 3,440 |
| Average earning assets | $153,663,000 | 3,417 |
| Average equity | $2,236,000 | 6,513 |
| Average total loans | $93,377,670 | 3,608 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9408% | 3,927 |
| Cost of funding earning assets | 1.2876% | 65 |
| Net interest margin | 2.6532% | 6,172 |
| Noninterest income to average assets | 0.0364% | 6,520 |
| Noninterest expense to average assets | 3.2946% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7855% | 6,536 |
| Return on assets (ROA) | -0.7515% | 6,530 |
| Pretax return on assets | -0.7515% | 6,521 |
| Return on Equity (ROE) | -59.0617% | 6,700 |
| Retained earnings to average equity (ytd only) | -59.0617% | 6,686 |
| Net charge-offs to loans | 2.7465% | 77 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.4962% | 3,474 |
| Efficiency ratio | 131.3043% | 114 |
| Assets per employee ($millions) | 6.1733% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5494% | 257 |
| Loan loss allowance to noncurrent loans | 55.7039% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 7.2966% | 201 |
| Noncurrent loans to loans | 6.3718% | 267 |
| Net loans and leases to total assets | 53.7353% | 4,457 |
| Net loans and leases to deposits | 62.0874% | 4,535 |
| Net loans and leases to core deposits | 70.4684% | 4,039 |
| Total domestic deposits to total assets | 86.5479% | 3,080 |
| Equity capital to assets | 1.2587% | 6,723 |
| Core capital (leverage) ratio | 2.3807% | 6,711 |
| Tier 1 risk-based capital ratio | 3.7198% | 6,710 |
| Total risk-based capital ratio | 4.9939% | 6,711 |
| Memoranda: | ||
| Average total assets | $164,995,000 | 3,482 |
| Average earning assets | $153,774,500 | 3,441 |
| Average equity | $2,099,500 | 6,587 |
| Average total loans | $95,103,500 | 3,579 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2096% | 3,315 |
| Cost of funding earning assets | 1.3722% | 80 |
| Net interest margin | 2.8373% | 5,922 |
| Noninterest income to average assets | -0.0578% | 6,700 |
| Noninterest expense to average assets | 4.6183% | 473 |
| Loan and lease loss provision to assets | 0.3067% | 1,088 |
| Net operating income to assets | -2.3437% | 6,728 |
| Return on assets (ROA) | -2.2109% | 6,724 |
| Pretax return on assets | -2.2109% | 6,722 |
| Return on Equity (ROE) | -63.8723% | 6,787 |
| Retained earnings to average equity (ytd only) | -63.8723% | 6,785 |
| Net charge-offs to loans | 2.3868% | 125 |
| Credit loss provision to net charge-offs | 21.0118% | 4,429 |
| Earnings coverage of net charge-offs (x) | -1.3953% | 5,294 |
| Efficiency ratio | 178.9109% | 38 |
| Assets per employee ($millions) | 5.8325% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0567% | 197 |
| Loan loss allowance to noncurrent loans | 76.3682% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 7.0106% | 242 |
| Noncurrent loans to loans | 5.3120% | 438 |
| Net loans and leases to total assets | 57.1894% | 4,169 |
| Net loans and leases to deposits | 66.3093% | 4,264 |
| Net loans and leases to core deposits | 78.9258% | 3,247 |
| Total domestic deposits to total assets | 86.2464% | 3,139 |
| Equity capital to assets | 1.2865% | 6,801 |
| Core capital (leverage) ratio | 2.5203% | 6,783 |
| Tier 1 risk-based capital ratio | 3.9305% | 6,786 |
| Total risk-based capital ratio | 5.1474% | 6,786 |
| Memoranda: | ||
| Average total assets | $167,897,600 | 3,443 |
| Average earning assets | $156,168,000 | 3,395 |
| Average equity | $5,811,600 | 5,860 |
| Average total loans | $102,687,800 | 3,384 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 3,332 |
| Cost of funding earning assets | 1.3737% | 83 |
| Net interest margin | 2.8414% | 5,940 |
| Noninterest income to average assets | 0.0032% | 6,733 |
| Noninterest expense to average assets | 2.9427% | 3,160 |
| Loan and lease loss provision to assets | 0.3746% | 829 |
| Net operating income to assets | -0.6696% | 6,644 |
| Return on assets (ROA) | -0.4937% | 6,609 |
| Pretax return on assets | -0.4937% | 6,596 |
| Return on Equity (ROE) | -12.3849% | 6,712 |
| Retained earnings to average equity (ytd only) | -12.3849% | 6,675 |
| Net charge-offs to loans | 2.9980% | 77 |
| Credit loss provision to net charge-offs | 20.3078% | 4,072 |
| Earnings coverage of net charge-offs (x) | -0.1599% | 4,902 |
| Efficiency ratio | 111.1409% | 255 |
| Assets per employee ($millions) | 6.0415% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9926% | 240 |
| Loan loss allowance to noncurrent loans | 58.6237% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 7.7518% | 241 |
| Noncurrent loans to loans | 6.8105% | 314 |
| Net loans and leases to total assets | 57.1592% | 4,149 |
| Net loans and leases to deposits | 67.3965% | 4,129 |
| Net loans and leases to core deposits | 81.7863% | 2,895 |
| Total domestic deposits to total assets | 84.8103% | 3,838 |
| Equity capital to assets | 3.0870% | 6,845 |
| Core capital (leverage) ratio | 4.2848% | 6,815 |
| Tier 1 risk-based capital ratio | 6.4779% | 6,815 |
| Total risk-based capital ratio | 7.6898% | 6,816 |
| Memoranda: | ||
| Average total assets | $169,044,500 | 3,464 |
| Average earning assets | $157,336,500 | 3,417 |
| Average equity | $6,739,250 | 5,702 |
| Average total loans | $104,023,500 | 3,388 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 3,357 |
| Cost of funding earning assets | 1.3703% | 100 |
| Net interest margin | 2.8331% | 5,937 |
| Noninterest income to average assets | 0.0166% | 6,752 |
| Noninterest expense to average assets | 2.9774% | 3,068 |
| Loan and lease loss provision to assets | 0.5029% | 543 |
| Net operating income to assets | -0.8189% | 6,719 |
| Return on assets (ROA) | -0.5550% | 6,664 |
| Pretax return on assets | -0.5550% | 6,650 |
| Return on Equity (ROE) | -12.9469% | 6,778 |
| Retained earnings to average equity (ytd only) | -12.9469% | 6,726 |
| Net charge-offs to loans | 3.6889% | 67 |
| Credit loss provision to net charge-offs | 21.9185% | 3,698 |
| Earnings coverage of net charge-offs (x) | -0.1377% | 4,595 |
| Efficiency ratio | 111.8719% | 256 |
| Assets per employee ($millions) | 6.4299% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2283% | 214 |
| Loan loss allowance to noncurrent loans | 41.2943% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 10.1245% | 144 |
| Noncurrent loans to loans | 10.2395% | 149 |
| Net loans and leases to total assets | 59.2201% | 3,793 |
| Net loans and leases to deposits | 70.3141% | 3,677 |
| Net loans and leases to core deposits | 88.1578% | 2,088 |
| Total domestic deposits to total assets | 84.2222% | 4,228 |
| Equity capital to assets | 3.5639% | 6,878 |
| Core capital (leverage) ratio | 4.3095% | 6,863 |
| Tier 1 risk-based capital ratio | 6.3507% | 6,862 |
| Total risk-based capital ratio | 7.6333% | 6,863 |
| Memoranda: | ||
| Average total assets | $169,005,670 | 3,481 |
| Average earning assets | $157,778,670 | 3,433 |
| Average equity | $7,245,000 | 5,615 |
| Average total loans | $105,127,330 | 3,382 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 3,115 |
| Cost of funding earning assets | 1.3678% | 118 |
| Net interest margin | 2.8813% | 5,855 |
| Noninterest income to average assets | 0.6285% | 2,989 |
| Noninterest expense to average assets | 2.8767% | 3,434 |
| Loan and lease loss provision to assets | 0.1177% | 2,766 |
| Net operating income to assets | 0.3366% | 5,411 |
| Return on assets (ROA) | 0.8616% | 2,989 |
| Pretax return on assets | 0.8616% | 3,907 |
| Return on Equity (ROE) | 18.5587% | 397 |
| Retained earnings to average equity (ytd only) | 18.5587% | 182 |
| Net charge-offs to loans | 6.1922% | 30 |
| Credit loss provision to net charge-offs | 3.0469% | 3,214 |
| Earnings coverage of net charge-offs (x) | 0.1176% | 3,781 |
| Efficiency ratio | 86.3604% | 1,473 |
| Assets per employee ($millions) | 6.7857% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1600% | 246 |
| Loan loss allowance to noncurrent loans | 39.8737% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 10.2398% | 179 |
| Noncurrent loans to loans | 10.4331% | 195 |
| Net loans and leases to total assets | 58.3146% | 3,739 |
| Net loans and leases to deposits | 70.0277% | 3,475 |
| Net loans and leases to core deposits | 89.9761% | 1,694 |
| Total domestic deposits to total assets | 83.2736% | 4,769 |
| Equity capital to assets | 4.6875% | 6,912 |
| Core capital (leverage) ratio | 4.8171% | 6,891 |
| Tier 1 risk-based capital ratio | 7.0794% | 6,895 |
| Total risk-based capital ratio | 8.3597% | 6,896 |
| Memoranda: | ||
| Average total assets | $169,919,500 | 3,491 |
| Average earning assets | $159,375,000 | 3,444 |
| Average equity | $7,888,500 | 5,519 |
| Average total loans | $106,004,000 | 3,383 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 3,552 |
| Cost of funding earning assets | 1.5663% | 120 |
| Net interest margin | 2.8973% | 6,230 |
| Noninterest income to average assets | -0.2046% | 6,962 |
| Noninterest expense to average assets | 2.6854% | 4,453 |
| Loan and lease loss provision to assets | 0.6460% | 830 |
| Net operating income to assets | -0.7752% | 6,670 |
| Return on assets (ROA) | -0.3581% | 6,532 |
| Pretax return on assets | -0.3581% | 6,507 |
| Return on Equity (ROE) | -8.0061% | 6,682 |
| Retained earnings to average equity (ytd only) | -8.0061% | 6,572 |
| Net charge-offs to loans | 2.1042% | 337 |
| Credit loss provision to net charge-offs | 47.5543% | 4,753 |
| Earnings coverage of net charge-offs (x) | -0.0951% | 5,534 |
| Efficiency ratio | 105.0547% | 422 |
| Assets per employee ($millions) | 6.3036% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4096% | 100 |
| Loan loss allowance to noncurrent loans | 47.7795% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 10.3421% | 204 |
| Noncurrent loans to loans | 11.3220% | 172 |
| Net loans and leases to total assets | 60.4611% | 3,524 |
| Net loans and leases to deposits | 72.4490% | 3,338 |
| Net loans and leases to core deposits | 91.2228% | 1,706 |
| Total domestic deposits to total assets | 83.4533% | 4,553 |
| Equity capital to assets | 4.5976% | 6,972 |
| Core capital (leverage) ratio | 4.4219% | 6,966 |
| Tier 1 risk-based capital ratio | 6.7444% | 6,966 |
| Total risk-based capital ratio | 8.0412% | 6,967 |
| Memoranda: | ||
| Average total assets | $189,617,600 | 3,181 |
| Average earning assets | $180,685,400 | 3,079 |
| Average equity | $8,481,000 | 5,367 |
| Average total loans | $122,423,800 | 3,030 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 3,858 |
| Cost of funding earning assets | 1.5947% | 129 |
| Net interest margin | 2.8490% | 6,437 |
| Noninterest income to average assets | 0.1399% | 6,444 |
| Noninterest expense to average assets | 2.6663% | 4,514 |
| Loan and lease loss provision to assets | 0.4971% | 1,236 |
| Net operating income to assets | -0.3030% | 6,574 |
| Return on assets (ROA) | 0.1721% | 6,136 |
| Pretax return on assets | 0.1721% | 6,165 |
| Return on Equity (ROE) | 3.8711% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.8711% | 4,165 |
| Net charge-offs to loans | 2.6458% | 230 |
| Credit loss provision to net charge-offs | 29.0348% | 4,812 |
| Earnings coverage of net charge-offs (x) | 0.1133% | 5,281 |
| Efficiency ratio | 93.2167% | 823 |
| Assets per employee ($millions) | 6.7904% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6981% | 182 |
| Loan loss allowance to noncurrent loans | 45.3783% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 9.7272% | 257 |
| Noncurrent loans to loans | 10.3531% | 230 |
| Net loans and leases to total assets | 60.4551% | 3,680 |
| Net loans and leases to deposits | 70.7671% | 3,791 |
| Net loans and leases to core deposits | 71.6246% | 4,300 |
| Total domestic deposits to total assets | 85.4282% | 3,553 |
| Equity capital to assets | 4.9509% | 7,055 |
| Core capital (leverage) ratio | 4.6757% | 7,047 |
| Tier 1 risk-based capital ratio | 7.0670% | 7,044 |
| Total risk-based capital ratio | 8.3556% | 7,042 |
| Memoranda: | ||
| Average total assets | $194,472,750 | 3,153 |
| Average earning assets | $185,697,000 | 3,042 |
| Average equity | $8,645,000 | 5,367 |
| Average total loans | $125,832,750 | 3,000 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 4,399 |
| Cost of funding earning assets | 1.6286% | 137 |
| Net interest margin | 2.7150% | 6,695 |
| Noninterest income to average assets | 0.1413% | 6,487 |
| Noninterest expense to average assets | 2.6440% | 4,631 |
| Loan and lease loss provision to assets | 0.5298% | 1,185 |
| Net operating income to assets | -0.4299% | 6,703 |
| Return on assets (ROA) | -0.0565% | 6,509 |
| Pretax return on assets | -0.0565% | 6,488 |
| Return on Equity (ROE) | -1.3175% | 6,566 |
| Retained earnings to average equity (ytd only) | -1.3175% | 6,256 |
| Net charge-offs to loans | 1.4480% | 698 |
| Credit loss provision to net charge-offs | 56.2099% | 3,898 |
| Earnings coverage of net charge-offs (x) | 0.1060% | 5,027 |
| Efficiency ratio | 96.3590% | 687 |
| Assets per employee ($millions) | 7.1897% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3509% | 123 |
| Loan loss allowance to noncurrent loans | 42.5491% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 9.7882% | 273 |
| Noncurrent loans to loans | 12.5757% | 155 |
| Net loans and leases to total assets | 62.2083% | 3,389 |
| Net loans and leases to deposits | 73.2932% | 3,414 |
| Net loans and leases to core deposits | 74.3733% | 3,969 |
| Total domestic deposits to total assets | 84.8760% | 3,913 |
| Equity capital to assets | 4.4745% | 7,115 |
| Core capital (leverage) ratio | 4.2786% | 7,110 |
| Tier 1 risk-based capital ratio | 6.4917% | 7,116 |
| Total risk-based capital ratio | 7.7900% | 7,115 |
| Memoranda: | ||
| Average total assets | $198,183,330 | 3,103 |
| Average earning assets | $189,980,670 | 3,000 |
| Average equity | $8,501,000 | 5,415 |
| Average total loans | $129,009,330 | 2,944 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 5,733 |
| Cost of funding earning assets | 1.6530% | 150 |
| Net interest margin | 2.3555% | 7,039 |
| Noninterest income to average assets | 0.2178% | 6,053 |
| Noninterest expense to average assets | 2.3115% | 5,738 |
| Loan and lease loss provision to assets | 0.3496% | 1,787 |
| Net operating income to assets | -0.1858% | 6,620 |
| Return on assets (ROA) | 0.3137% | 5,772 |
| Pretax return on assets | 0.3137% | 5,948 |
| Return on Equity (ROE) | 7.4686% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.4686% | 2,189 |
| Net charge-offs to loans | 2.5162% | 326 |
| Credit loss provision to net charge-offs | 21.4461% | 3,753 |
| Earnings coverage of net charge-offs (x) | 0.1005% | 4,318 |
| Efficiency ratio | 93.3818% | 854 |
| Assets per employee ($millions) | 7.3568% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0789% | 169 |
| Loan loss allowance to noncurrent loans | 41.1879% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 9.4415% | 342 |
| Noncurrent loans to loans | 12.3310% | 188 |
| Net loans and leases to total assets | 62.0523% | 3,243 |
| Net loans and leases to deposits | 72.6250% | 3,338 |
| Net loans and leases to core deposits | 73.7461% | 3,927 |
| Total domestic deposits to total assets | 85.4421% | 3,822 |
| Equity capital to assets | 4.2812% | 7,168 |
| Core capital (leverage) ratio | 4.3481% | 7,160 |
| Tier 1 risk-based capital ratio | 6.5087% | 7,158 |
| Total risk-based capital ratio | 7.8031% | 7,155 |
| Memoranda: | ||
| Average total assets | $200,214,000 | 3,099 |
| Average earning assets | $191,888,000 | 2,998 |
| Average equity | $8,408,500 | 5,462 |
| Average total loans | $129,720,500 | 2,947 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 3,050 |
| Cost of funding earning assets | 2.1431% | 63 |
| Net interest margin | 2.8222% | 6,797 |
| Noninterest income to average assets | -0.1267% | 7,120 |
| Noninterest expense to average assets | 2.7458% | 4,575 |
| Loan and lease loss provision to assets | 1.5391% | 472 |
| Net operating income to assets | -3.0644% | 7,181 |
| Return on assets (ROA) | -2.7011% | 7,151 |
| Pretax return on assets | -1.3795% | 6,863 |
| Return on Equity (ROE) | -42.9401% | 7,174 |
| Retained earnings to average equity (ytd only) | -42.9401% | 7,171 |
| Net charge-offs to loans | 2.0487% | 669 |
| Credit loss provision to net charge-offs | 112.0443% | 2,951 |
| Earnings coverage of net charge-offs (x) | -0.1483% | 5,924 |
| Efficiency ratio | 108.0147% | 474 |
| Assets per employee ($millions) | 7.4739% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5838% | 121 |
| Loan loss allowance to noncurrent loans | 48.4499% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 8.9453% | 407 |
| Noncurrent loans to loans | 11.5249% | 241 |
| Net loans and leases to total assets | 60.6326% | 3,863 |
| Net loans and leases to deposits | 70.6198% | 4,003 |
| Net loans and leases to core deposits | 71.5368% | 4,586 |
| Total domestic deposits to total assets | 85.8579% | 3,395 |
| Equity capital to assets | 4.1195% | 7,219 |
| Core capital (leverage) ratio | 4.0728% | 7,207 |
| Tier 1 risk-based capital ratio | 6.2979% | 7,190 |
| Total risk-based capital ratio | 7.5978% | 7,186 |
| Memoranda: | ||
| Average total assets | $203,695,600 | 3,015 |
| Average earning assets | $192,616,800 | 2,938 |
| Average equity | $12,813,200 | 4,372 |
| Average total loans | $136,573,800 | 2,868 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 2,770 |
| Cost of funding earning assets | 2.2373% | 58 |
| Net interest margin | 2.8290% | 6,856 |
| Noninterest income to average assets | 0.1045% | 6,729 |
| Noninterest expense to average assets | 2.5272% | 5,364 |
| Loan and lease loss provision to assets | 0.5779% | 1,701 |
| Net operating income to assets | -0.3344% | 6,533 |
| Return on assets (ROA) | -0.0052% | 6,268 |
| Pretax return on assets | -0.0052% | 6,238 |
| Return on Equity (ROE) | -0.0766% | 6,273 |
| Retained earnings to average equity (ytd only) | -0.0766% | 5,978 |
| Net charge-offs to loans | 2.4166% | 462 |
| Credit loss provision to net charge-offs | 35.3012% | 5,337 |
| Earnings coverage of net charge-offs (x) | 0.1488% | 5,495 |
| Efficiency ratio | 91.2091% | 1,090 |
| Assets per employee ($millions) | 7.8755% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9797% | 396 |
| Loan loss allowance to noncurrent loans | 55.8945% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 5.9980% | 890 |
| Noncurrent loans to loans | 7.1200% | 692 |
| Net loans and leases to total assets | 59.8774% | 4,149 |
| Net loans and leases to deposits | 71.5940% | 4,046 |
| Net loans and leases to core deposits | 77.7192% | 3,949 |
| Total domestic deposits to total assets | 83.6346% | 4,411 |
| Equity capital to assets | 6.8130% | 7,086 |
| Core capital (leverage) ratio | 6.0468% | 7,131 |
| Tier 1 risk-based capital ratio | 8.5311% | 7,152 |
| Total risk-based capital ratio | 9.8117% | 7,154 |
| Memoranda: | ||
| Average total assets | $204,171,000 | 3,032 |
| Average earning assets | $192,429,000 | 2,951 |
| Average equity | $13,938,250 | 4,137 |
| Average total loans | $138,320,000 | 2,848 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 2,255 |
| Cost of funding earning assets | 2.3239% | 53 |
| Net interest margin | 2.8759% | 6,834 |
| Noninterest income to average assets | 0.1480% | 6,588 |
| Noninterest expense to average assets | 2.5448% | 5,377 |
| Loan and lease loss provision to assets | 0.7201% | 1,304 |
| Net operating income to assets | -0.4102% | 6,615 |
| Return on assets (ROA) | -0.4102% | 6,643 |
| Pretax return on assets | -0.4102% | 6,593 |
| Return on Equity (ROE) | -6.0049% | 6,777 |
| Retained earnings to average equity (ytd only) | -6.0049% | 6,654 |
| Net charge-offs to loans | 1.1538% | 1,352 |
| Credit loss provision to net charge-offs | 89.6168% | 3,459 |
| Earnings coverage of net charge-offs (x) | 0.3857% | 5,017 |
| Efficiency ratio | 89.1441% | 1,309 |
| Assets per employee ($millions) | 7.6864% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9941% | 190 |
| Loan loss allowance to noncurrent loans | 68.1500% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 6.3929% | 843 |
| Noncurrent loans to loans | 7.3281% | 678 |
| Net loans and leases to total assets | 64.8726% | 3,280 |
| Net loans and leases to deposits | 73.7958% | 3,836 |
| Net loans and leases to core deposits | 80.6226% | 3,703 |
| Total domestic deposits to total assets | 87.9082% | 2,201 |
| Equity capital to assets | 6.9153% | 7,119 |
| Core capital (leverage) ratio | 5.9458% | 7,207 |
| Tier 1 risk-based capital ratio | 8.5302% | 7,212 |
| Total risk-based capital ratio | 9.8239% | 7,211 |
| Memoranda: | ||
| Average total assets | $201,348,670 | 3,084 |
| Average earning assets | $189,507,000 | 3,004 |
| Average equity | $13,755,330 | 4,164 |
| Average total loans | $140,227,000 | 2,841 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1571% | 2,397 |
| Cost of funding earning assets | 2.3250% | 59 |
| Net interest margin | 2.8321% | 6,865 |
| Noninterest income to average assets | 0.2375% | 6,011 |
| Noninterest expense to average assets | 2.6324% | 5,107 |
| Loan and lease loss provision to assets | 0.1484% | 4,159 |
| Net operating income to assets | 0.1207% | 6,037 |
| Return on assets (ROA) | 0.1207% | 6,096 |
| Pretax return on assets | 0.1207% | 6,127 |
| Return on Equity (ROE) | 1.7780% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.7780% | 5,052 |
| Net charge-offs to loans | 0.4588% | 2,318 |
| Credit loss provision to net charge-offs | 46.0123% | 3,837 |
| Earnings coverage of net charge-offs (x) | 0.8344% | 4,015 |
| Efficiency ratio | 90.7231% | 1,262 |
| Assets per employee ($millions) | 7.6106% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9241% | 209 |
| Loan loss allowance to noncurrent loans | 62.1442% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 7.3407% | 698 |
| Noncurrent loans to loans | 7.9236% | 635 |
| Net loans and leases to total assets | 63.9998% | 3,441 |
| Net loans and leases to deposits | 72.5500% | 3,980 |
| Net loans and leases to core deposits | 79.3500% | 3,839 |
| Total domestic deposits to total assets | 88.2147% | 2,252 |
| Equity capital to assets | 6.7110% | 7,163 |
| Core capital (leverage) ratio | 6.2939% | 7,210 |
| Tier 1 risk-based capital ratio | 8.6145% | 7,253 |
| Total risk-based capital ratio | 9.9067% | 7,257 |
| Memoranda: | ||
| Average total assets | $202,099,500 | 3,088 |
| Average earning assets | $190,105,500 | 3,011 |
| Average equity | $13,723,000 | 4,165 |
| Average total loans | $142,110,000 | 2,840 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6141% | 1,844 |
| Cost of funding earning assets | 2.6647% | 63 |
| Net interest margin | 2.9494% | 6,822 |
| Noninterest income to average assets | -0.0914% | 7,383 |
| Noninterest expense to average assets | 3.1288% | 3,350 |
| Loan and lease loss provision to assets | 2.3984% | 481 |
| Net operating income to assets | -2.1320% | 7,088 |
| Return on assets (ROA) | -1.9123% | 7,047 |
| Pretax return on assets | -2.5650% | 7,184 |
| Return on Equity (ROE) | -24.7634% | 7,129 |
| Retained earnings to average equity (ytd only) | -24.7634% | 7,109 |
| Net charge-offs to loans | 2.0973% | 950 |
| Credit loss provision to net charge-offs | 159.8423% | 2,187 |
| Earnings coverage of net charge-offs (x) | -0.3063% | 6,363 |
| Efficiency ratio | 117.2194% | 436 |
| Assets per employee ($millions) | 7.6428% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7286% | 238 |
| Loan loss allowance to noncurrent loans | 72.8896% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 6.3800% | 895 |
| Noncurrent loans to loans | 6.4874% | 925 |
| Net loans and leases to total assets | 69.9498% | 2,542 |
| Net loans and leases to deposits | 79.5877% | 3,243 |
| Net loans and leases to core deposits | 88.2075% | 3,027 |
| Total domestic deposits to total assets | 87.8901% | 2,314 |
| Equity capital to assets | 6.8722% | 7,150 |
| Core capital (leverage) ratio | 6.1085% | 7,279 |
| Tier 1 risk-based capital ratio | 8.4838% | 7,307 |
| Total risk-based capital ratio | 9.7761% | 7,309 |
| Memoranda: | ||
| Average total assets | $211,265,600 | 2,968 |
| Average earning assets | $197,733,600 | 2,907 |
| Average equity | $16,314,400 | 3,703 |
| Average total loans | $151,144,800 | 2,755 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6898% | 1,747 |
| Cost of funding earning assets | 2.7032% | 67 |
| Net interest margin | 2.9866% | 6,860 |
| Noninterest income to average assets | 0.2892% | 5,808 |
| Noninterest expense to average assets | 3.3363% | 2,462 |
| Loan and lease loss provision to assets | 2.8027% | 334 |
| Net operating income to assets | -2.1625% | 7,278 |
| Return on assets (ROA) | -2.0702% | 7,275 |
| Pretax return on assets | -2.9284% | 7,402 |
| Return on Equity (ROE) | -26.1415% | 7,331 |
| Retained earnings to average equity (ytd only) | -26.1415% | 7,324 |
| Net charge-offs to loans | 2.1523% | 854 |
| Credit loss provision to net charge-offs | 183.1369% | 1,987 |
| Earnings coverage of net charge-offs (x) | -0.1670% | 6,157 |
| Efficiency ratio | 108.2963% | 558 |
| Assets per employee ($millions) | 8.1310% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7894% | 202 |
| Loan loss allowance to noncurrent loans | 86.6806% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 5.6607% | 1,080 |
| Noncurrent loans to loans | 5.5254% | 1,198 |
| Net loans and leases to total assets | 66.2753% | 3,626 |
| Net loans and leases to deposits | 75.4517% | 4,272 |
| Net loans and leases to core deposits | 87.2052% | 3,488 |
| Total domestic deposits to total assets | 87.8381% | 2,061 |
| Equity capital to assets | 7.1436% | 7,293 |
| Core capital (leverage) ratio | 6.2969% | 7,386 |
| Tier 1 risk-based capital ratio | 8.6166% | 7,421 |
| Total risk-based capital ratio | 9.9082% | 7,428 |
| Memoranda: | ||
| Average total assets | $214,403,500 | 2,983 |
| Average earning assets | $200,401,250 | 2,913 |
| Average equity | $16,979,000 | 3,641 |
| Average total loans | $152,456,250 | 2,774 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7604% | 1,529 |
| Cost of funding earning assets | 2.7367% | 78 |
| Net interest margin | 3.0236% | 6,783 |
| Noninterest income to average assets | 0.2925% | 5,813 |
| Noninterest expense to average assets | 3.1095% | 3,273 |
| Loan and lease loss provision to assets | 2.0845% | 591 |
| Net operating income to assets | -1.3185% | 7,076 |
| Return on assets (ROA) | -1.2377% | 7,062 |
| Pretax return on assets | -1.9573% | 7,224 |
| Return on Equity (ROE) | -15.1437% | 7,150 |
| Retained earnings to average equity (ytd only) | -15.1437% | 7,108 |
| Net charge-offs to loans | 1.4434% | 1,322 |
| Credit loss provision to net charge-offs | 201.7071% | 1,938 |
| Earnings coverage of net charge-offs (x) | 0.0009% | 5,714 |
| Efficiency ratio | 99.9701% | 804 |
| Assets per employee ($millions) | 8.2076% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1258% | 330 |
| Loan loss allowance to noncurrent loans | 94.8655% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 5.2259% | 1,207 |
| Noncurrent loans to loans | 4.3491% | 1,704 |
| Net loans and leases to total assets | 66.7957% | 3,671 |
| Net loans and leases to deposits | 76.7483% | 4,197 |
| Net loans and leases to core deposits | 89.4750% | 3,347 |
| Total domestic deposits to total assets | 87.0322% | 2,512 |
| Equity capital to assets | 8.0278% | 6,729 |
| Core capital (leverage) ratio | 7.5434% | 6,792 |
| Tier 1 risk-based capital ratio | 10.0225% | 7,010 |
| Total risk-based capital ratio | 11.3047% | 6,973 |
| Memoranda: | ||
| Average total assets | $215,402,670 | 2,993 |
| Average earning assets | $200,751,670 | 2,940 |
| Average equity | $17,604,670 | 3,532 |
| Average total loans | $154,222,330 | 2,772 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 1,540 |
| Cost of funding earning assets | 2.7893% | 91 |
| Net interest margin | 2.9859% | 6,860 |
| Noninterest income to average assets | 0.3253% | 5,553 |
| Noninterest expense to average assets | 2.9814% | 3,743 |
| Loan and lease loss provision to assets | 1.2846% | 947 |
| Net operating income to assets | -0.7376% | 6,975 |
| Return on assets (ROA) | -0.5767% | 6,911 |
| Pretax return on assets | -0.9113% | 7,011 |
| Return on Equity (ROE) | -6.9949% | 6,992 |
| Retained earnings to average equity (ytd only) | -6.9949% | 6,741 |
| Net charge-offs to loans | 1.3453% | 1,280 |
| Credit loss provision to net charge-offs | 131.6288% | 2,682 |
| Earnings coverage of net charge-offs (x) | 0.1250% | 4,919 |
| Efficiency ratio | 96.0691% | 1,017 |
| Assets per employee ($millions) | 7.3626% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3530% | 603 |
| Loan loss allowance to noncurrent loans | 92.0078% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 5.3935% | 1,156 |
| Noncurrent loans to loans | 3.6442% | 2,184 |
| Net loans and leases to total assets | 69.7806% | 2,990 |
| Net loans and leases to deposits | 80.3235% | 3,598 |
| Net loans and leases to core deposits | 85.6936% | 3,945 |
| Total domestic deposits to total assets | 86.8745% | 2,692 |
| Equity capital to assets | 8.2739% | 6,339 |
| Core capital (leverage) ratio | 7.5390% | 6,814 |
| Tier 1 risk-based capital ratio | 9.7169% | 7,199 |
| Total risk-based capital ratio | 10.9898% | 7,185 |
| Memoranda: | ||
| Average total assets | $216,405,500 | 3,034 |
| Average earning assets | $201,343,000 | 2,977 |
| Average equity | $17,841,500 | 3,513 |
| Average total loans | $156,996,500 | 2,795 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3862% | 859 |
| Cost of funding earning assets | 3.2228% | 116 |
| Net interest margin | 3.1634% | 6,196 |
| Noninterest income to average assets | 0.1969% | 6,686 |
| Noninterest expense to average assets | 2.2044% | 6,985 |
| Loan and lease loss provision to assets | 2.6312% | 740 |
| Net operating income to assets | -0.9466% | 6,538 |
| Return on assets (ROA) | -0.8442% | 6,467 |
| Pretax return on assets | -1.4579% | 6,676 |
| Return on Equity (ROE) | -10.5417% | 6,657 |
| Retained earnings to average equity (ytd only) | -10.5417% | 6,555 |
| Net charge-offs to loans | 1.4820% | 1,690 |
| Credit loss provision to net charge-offs | 232.8876% | 1,568 |
| Earnings coverage of net charge-offs (x) | 0.8968% | 5,214 |
| Efficiency ratio | 68.5106% | 4,918 |
| Assets per employee ($millions) | 7.5619% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1295% | 690 |
| Loan loss allowance to noncurrent loans | 101.7908% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 3.9718% | 1,665 |
| Noncurrent loans to loans | 3.0745% | 2,493 |
| Net loans and leases to total assets | 70.6032% | 3,104 |
| Net loans and leases to deposits | 81.0964% | 3,776 |
| Net loans and leases to core deposits | 99.3360% | 4,071 |
| Total domestic deposits to total assets | 87.0609% | 2,466 |
| Equity capital to assets | 8.2158% | 6,327 |
| Core capital (leverage) ratio | 8.1397% | 5,930 |
| Tier 1 risk-based capital ratio | 10.3336% | 6,554 |
| Total risk-based capital ratio | 11.6037% | 6,508 |
| Memoranda: | ||
| Average total assets | $211,804,400 | 3,044 |
| Average earning assets | $202,249,600 | 2,946 |
| Average equity | $16,961,200 | 3,679 |
| Average total loans | $161,473,400 | 2,738 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4446% | 847 |
| Cost of funding earning assets | 3.2781% | 148 |
| Net interest margin | 3.1664% | 6,126 |
| Noninterest income to average assets | 0.1645% | 7,026 |
| Noninterest expense to average assets | 2.1645% | 7,064 |
| Loan and lease loss provision to assets | 2.1676% | 803 |
| Net operating income to assets | -0.6611% | 6,576 |
| Return on assets (ROA) | -0.5233% | 6,452 |
| Pretax return on assets | -0.9095% | 6,615 |
| Return on Equity (ROE) | -6.5798% | 6,620 |
| Retained earnings to average equity (ytd only) | -6.5798% | 6,459 |
| Net charge-offs to loans | 1.1382% | 1,768 |
| Credit loss provision to net charge-offs | 246.9609% | 1,753 |
| Earnings coverage of net charge-offs (x) | 1.1881% | 4,877 |
| Efficiency ratio | 67.4851% | 5,073 |
| Assets per employee ($millions) | 7.8613% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3918% | 1,179 |
| Loan loss allowance to noncurrent loans | 98.9979% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 3.0311% | 2,286 |
| Noncurrent loans to loans | 2.4160% | 3,118 |
| Net loans and leases to total assets | 71.4363% | 3,169 |
| Net loans and leases to deposits | 81.8023% | 4,061 |
| Net loans and leases to core deposits | 104.1352% | 3,919 |
| Total domestic deposits to total assets | 87.3280% | 1,995 |
| Equity capital to assets | 7.7500% | 7,099 |
| Core capital (leverage) ratio | 7.6485% | 6,800 |
| Tier 1 risk-based capital ratio | 9.7405% | 7,203 |
| Total risk-based capital ratio | 11.0028% | 7,150 |
| Memoranda: | ||
| Average total assets | $209,931,500 | 3,090 |
| Average earning assets | $201,735,500 | 2,961 |
| Average equity | $16,697,250 | 3,770 |
| Average total loans | $161,883,750 | 2,759 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5432% | 743 |
| Cost of funding earning assets | 3.3162% | 197 |
| Net interest margin | 3.2270% | 5,817 |
| Noninterest income to average assets | 0.1172% | 7,401 |
| Noninterest expense to average assets | 2.2543% | 6,906 |
| Loan and lease loss provision to assets | 0.8773% | 1,921 |
| Net operating income to assets | 0.0872% | 5,599 |
| Return on assets (ROA) | 0.0872% | 5,697 |
| Pretax return on assets | 0.1017% | 5,670 |
| Return on Equity (ROE) | 1.0859% | 5,615 |
| Retained earnings to average equity (ytd only) | 1.0859% | 4,726 |
| Net charge-offs to loans | 0.8054% | 2,070 |
| Credit loss provision to net charge-offs | 138.7443% | 3,368 |
| Earnings coverage of net charge-offs (x) | 1.5482% | 4,376 |
| Efficiency ratio | 69.7215% | 4,840 |
| Assets per employee ($millions) | 7.6871% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 4,453 |
| Loan loss allowance to noncurrent loans | 35.9931% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 2.8340% | 2,264 |
| Noncurrent loans to loans | 3.5322% | 1,984 |
| Net loans and leases to total assets | 74.8653% | 2,478 |
| Net loans and leases to deposits | 85.6636% | 3,607 |
| Net loans and leases to core deposits | 108.9660% | 3,498 |
| Total domestic deposits to total assets | 87.3945% | 2,056 |
| Equity capital to assets | 7.6227% | 7,157 |
| Core capital (leverage) ratio | 7.5749% | 6,931 |
| Tier 1 risk-based capital ratio | 9.0754% | 7,654 |
| Total risk-based capital ratio | 10.2842% | 7,691 |
| Memoranda: | ||
| Average total assets | $206,537,000 | 3,146 |
| Average earning assets | $199,442,670 | 3,010 |
| Average equity | $16,576,670 | 3,799 |
| Average total loans | $162,146,670 | 2,776 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6387% | 654 |
| Cost of funding earning assets | 3.4632% | 162 |
| Net interest margin | 3.1756% | 5,935 |
| Noninterest income to average assets | 0.1128% | 7,467 |
| Noninterest expense to average assets | 2.0654% | 7,201 |
| Loan and lease loss provision to assets | 0.5164% | 2,403 |
| Net operating income to assets | 0.4313% | 4,736 |
| Return on assets (ROA) | 0.4313% | 4,913 |
| Pretax return on assets | 0.6113% | 4,723 |
| Return on Equity (ROE) | 5.2336% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.2336% | 3,003 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6840% | 5,567 |
| Assets per employee ($millions) | 6.6255% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 4,223 |
| Loan loss allowance to noncurrent loans | 50.4481% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1807% | 2,622 |
| Noncurrent loans to loans | 2.5308% | 2,606 |
| Net loans and leases to total assets | 78.4179% | 1,713 |
| Net loans and leases to deposits | 92.0471% | 2,597 |
| Net loans and leases to core deposits | 119.7448% | 2,436 |
| Total domestic deposits to total assets | 85.1932% | 3,107 |
| Equity capital to assets | 8.1503% | 6,599 |
| Core capital (leverage) ratio | 7.6804% | 6,916 |
| Tier 1 risk-based capital ratio | 9.2821% | 7,604 |
| Total risk-based capital ratio | 10.5141% | 7,594 |
| Memoranda: | ||
| Average total assets | $202,185,500 | 3,216 |
| Average earning assets | $196,121,500 | 3,064 |
| Average equity | $16,661,500 | 3,801 |
| Average total loans | $161,612,500 | 2,821 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2102% | 719 |
| Cost of funding earning assets | 3.6977% | 270 |
| Net interest margin | 3.5124% | 5,256 |
| Noninterest income to average assets | 0.1239% | 7,498 |
| Noninterest expense to average assets | 2.2217% | 6,917 |
| Loan and lease loss provision to assets | 0.6415% | 2,264 |
| Net operating income to assets | 0.4720% | 4,859 |
| Return on assets (ROA) | 0.4720% | 4,677 |
| Pretax return on assets | 0.6712% | 4,478 |
| Return on Equity (ROE) | 5.3855% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.3855% | 1,818 |
| Net charge-offs to loans | 0.4006% | 2,812 |
| Credit loss provision to net charge-offs | 192.9701% | 2,537 |
| Earnings coverage of net charge-offs (x) | 3.9490% | 4,170 |
| Efficiency ratio | 62.8595% | 5,804 |
| Assets per employee ($millions) | 6.4187% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 5,000 |
| Loan loss allowance to noncurrent loans | 89.3575% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 3,819 |
| Noncurrent loans to loans | 1.2738% | 3,961 |
| Net loans and leases to total assets | 79.5340% | 1,767 |
| Net loans and leases to deposits | 91.9623% | 3,139 |
| Net loans and leases to core deposits | 117.3414% | 2,970 |
| Total domestic deposits to total assets | 86.4855% | 2,175 |
| Equity capital to assets | 8.3340% | 6,365 |
| Core capital (leverage) ratio | 8.3821% | 5,797 |
| Tier 1 risk-based capital ratio | 9.5314% | 7,274 |
| Total risk-based capital ratio | 10.6295% | 7,362 |
| Memoranda: | ||
| Average total assets | $171,174,400 | 3,537 |
| Average earning assets | $166,209,400 | 3,384 |
| Average equity | $15,003,200 | 4,143 |
| Average total loans | $142,034,800 | 3,059 |