Home > Community Federal Savings Bank > Performance and Condition Ratios
Community Federal Savings 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 | 5.2147% | 1,634 |
| Cost of funding earning assets | 1.2809% | 2,573 |
| Net interest margin | 3.9338% | 1,307 |
| Noninterest income to average assets | 4.3800% | 137 |
| Noninterest expense to average assets | 4.6835% | 262 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.2359% | 323 |
| Return on assets (ROA) | 2.2359% | 312 |
| Pretax return on assets | 3.3643% | 155 |
| Return on Equity (ROE) | 27.1800% | 242 |
| Retained earnings to average equity (ytd only) | 27.1845% | 58 |
| Net charge-offs to loans | 0.0359% | 1,587 |
| Credit loss provision to net charge-offs | 1,020.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 282.3375% | 454 |
| Efficiency ratio | 57.2984% | 3,366 |
| Assets per employee ($millions) | 4.7520% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 3,510 |
| Loan loss allowance to noncurrent loans | 136.3082% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 1,911 |
| Noncurrent loans to loans | 0.7010% | 1,115 |
| Net loans and leases to total assets | 36.9900% | 4,126 |
| Net loans and leases to deposits | 41.5017% | 4,162 |
| Net loans and leases to core deposits | 41.5017% | 4,264 |
| Total domestic deposits to total assets | 89.1300% | 1,024 |
| Equity capital to assets | 8.8585% | 2,780 |
| Core capital (leverage) ratio | 8.8622% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1645% | 416 |
| Memoranda: | ||
| Average total assets | $647,125,800 | 1,381 |
| Average earning assets | $623,371,400 | 1,338 |
| Average equity | $53,225,200 | 1,525 |
| Average total loans | $222,791,600 | 2,143 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 1,805 |
| Cost of funding earning assets | 1.2217% | 2,364 |
| Net interest margin | 3.7898% | 1,621 |
| Noninterest income to average assets | 4.3600% | 146 |
| Noninterest expense to average assets | 4.5330% | 272 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.2358% | 356 |
| Return on assets (ROA) | 2.2358% | 349 |
| Pretax return on assets | 3.3738% | 173 |
| Return on Equity (ROE) | 27.7600% | 281 |
| Retained earnings to average equity (ytd only) | 27.7623% | 113 |
| Net charge-offs to loans | 0.0498% | 1,177 |
| Credit loss provision to net charge-offs | 696.2500% | 511 |
| Earnings coverage of net charge-offs (x) | 208.3375% | 579 |
| Efficiency ratio | 56.4967% | 3,355 |
| Assets per employee ($millions) | 4.7220% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 3,630 |
| Loan loss allowance to noncurrent loans | 90.0532% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 1,507 |
| Noncurrent loans to loans | 1.0332% | 780 |
| Net loans and leases to total assets | 36.7500% | 4,159 |
| Net loans and leases to deposits | 41.4126% | 4,174 |
| Net loans and leases to core deposits | 41.4126% | 4,229 |
| Total domestic deposits to total assets | 88.7300% | 1,339 |
| Equity capital to assets | 8.8711% | 2,488 |
| Core capital (leverage) ratio | 8.8963% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3465% | 370 |
| Memoranda: | ||
| Average total assets | $636,649,000 | 1,397 |
| Average earning assets | $614,972,000 | 1,348 |
| Average equity | $51,272,000 | 1,562 |
| Average total loans | $214,155,000 | 2,202 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6579% | 2,291 |
| Cost of funding earning assets | 1.2281% | 1,909 |
| Net interest margin | 3.4298% | 2,448 |
| Noninterest income to average assets | 4.1100% | 144 |
| Noninterest expense to average assets | 4.3176% | 295 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.9885% | 476 |
| Return on assets (ROA) | 1.9885% | 473 |
| Pretax return on assets | 3.0231% | 203 |
| Return on Equity (ROE) | 25.5600% | 359 |
| Retained earnings to average equity (ytd only) | 25.5573% | 117 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.0765% | 3,181 |
| Assets per employee ($millions) | 5.3717% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 3,757 |
| Loan loss allowance to noncurrent loans | 73.8940% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 1,320 |
| Noncurrent loans to loans | 1.2289% | 576 |
| Net loans and leases to total assets | 32.5800% | 4,268 |
| Net loans and leases to deposits | 36.3513% | 4,291 |
| Net loans and leases to core deposits | 36.3513% | 4,319 |
| Total domestic deposits to total assets | 89.6300% | 1,042 |
| Equity capital to assets | 7.7791% | 3,361 |
| Core capital (leverage) ratio | 8.6112% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4845% | 410 |
| Memoranda: | ||
| Average total assets | $636,374,667 | 1,399 |
| Average earning assets | $616,543,333 | 1,345 |
| Average equity | $49,512,333 | 1,609 |
| Average total loans | $206,722,667 | 2,243 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 2,448 |
| Cost of funding earning assets | 1.1493% | 1,599 |
| Net interest margin | 3.2883% | 2,907 |
| Noninterest income to average assets | 3.8500% | 151 |
| Noninterest expense to average assets | 4.2996% | 304 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.7061% | 813 |
| Return on assets (ROA) | 1.7061% | 807 |
| Pretax return on assets | 2.6046% | 315 |
| Return on Equity (ROE) | 21.9300% | 586 |
| Retained earnings to average equity (ytd only) | 21.9263% | 290 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.0752% | 2,811 |
| Assets per employee ($millions) | 5.2752% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 3,929 |
| Loan loss allowance to noncurrent loans | 44.4577% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 761 |
| Noncurrent loans to loans | 1.9564% | 292 |
| Net loans and leases to total assets | 33.1600% | 4,293 |
| Net loans and leases to deposits | 37.0464% | 4,292 |
| Net loans and leases to core deposits | 37.0464% | 4,342 |
| Total domestic deposits to total assets | 89.5100% | 1,339 |
| Equity capital to assets | 7.7591% | 3,406 |
| Core capital (leverage) ratio | 8.4406% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2777% | 419 |
| Memoranda: | ||
| Average total assets | $616,144,000 | 1,459 |
| Average earning assets | $598,605,500 | 1,407 |
| Average equity | $47,942,500 | 1,661 |
| Average total loans | $198,806,500 | 2,314 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1836% | 3,844 |
| Cost of funding earning assets | 0.5873% | 953 |
| Net interest margin | 2.5963% | 4,178 |
| Noninterest income to average assets | 3.1600% | 173 |
| Noninterest expense to average assets | 3.9314% | 349 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.9261% | 342 |
| Return on assets (ROA) | 1.9261% | 332 |
| Pretax return on assets | 1.6518% | 1,034 |
| Return on Equity (ROE) | 26.8900% | 154 |
| Retained earnings to average equity (ytd only) | 26.8863% | 38 |
| Net charge-offs to loans | 0.0390% | 1,318 |
| Credit loss provision to net charge-offs | 787.6543% | 497 |
| Earnings coverage of net charge-offs (x) | 130.1358% | 850 |
| Efficiency ratio | 69.0970% | 1,813 |
| Assets per employee ($millions) | 5.7668% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 3,785 |
| Loan loss allowance to noncurrent loans | 18.8926% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4686% | 218 |
| Noncurrent loans to loans | 4.7381% | 58 |
| Net loans and leases to total assets | 30.7200% | 4,374 |
| Net loans and leases to deposits | 35.0939% | 4,366 |
| Net loans and leases to core deposits | 35.2563% | 4,392 |
| Total domestic deposits to total assets | 87.5300% | 2,227 |
| Equity capital to assets | 7.8046% | 3,183 |
| Core capital (leverage) ratio | 7.8243% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6837% | 312 |
| Memoranda: | ||
| Average total assets | $599,510,200 | 1,483 |
| Average earning assets | $584,563,800 | 1,419 |
| Average equity | $42,947,600 | 1,823 |
| Average total loans | $207,726,400 | 2,178 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7648% | 4,229 |
| Cost of funding earning assets | 0.3996% | 1,292 |
| Net interest margin | 2.3652% | 4,361 |
| Noninterest income to average assets | 2.9400% | 187 |
| Noninterest expense to average assets | 3.8637% | 357 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 2.2845% | 196 |
| Return on assets (ROA) | 2.2845% | 190 |
| Pretax return on assets | 1.2790% | 2,112 |
| Return on Equity (ROE) | 32.6100% | 80 |
| Retained earnings to average equity (ytd only) | 32.6111% | 31 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.6591% | 1,314 |
| Assets per employee ($millions) | 5.7931% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 4,084 |
| Loan loss allowance to noncurrent loans | 80.3101% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 1,648 |
| Noncurrent loans to loans | 1.0020% | 774 |
| Net loans and leases to total assets | 32.1000% | 4,372 |
| Net loans and leases to deposits | 37.3898% | 4,327 |
| Net loans and leases to core deposits | 37.6308% | 4,348 |
| Total domestic deposits to total assets | 85.8700% | 3,095 |
| Equity capital to assets | 7.5592% | 3,183 |
| Core capital (leverage) ratio | 7.5732% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6520% | 324 |
| Memoranda: | ||
| Average total assets | $600,892,000 | 1,489 |
| Average earning assets | $586,591,750 | 1,420 |
| Average equity | $42,095,000 | 1,879 |
| Average total loans | $213,632,000 | 2,144 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3680% | 4,477 |
| Cost of funding earning assets | 0.2431% | 2,356 |
| Net interest margin | 2.1249% | 4,499 |
| Noninterest income to average assets | 2.8000% | 163 |
| Noninterest expense to average assets | 3.7500% | 338 |
| Loan and lease loss provision to assets | 0.0674% | 1,406 |
| Net operating income to assets | 2.7442% | 85 |
| Return on assets (ROA) | 2.7442% | 80 |
| Pretax return on assets | 1.0606% | 2,542 |
| Return on Equity (ROE) | 40.2223% | 24 |
| Retained earnings to average equity (ytd only) | 40.2223% | 10 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8754% | 1,191 |
| Assets per employee ($millions) | 6.9664% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 4,384 |
| Loan loss allowance to noncurrent loans | 91.5074% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 2,212 |
| Noncurrent loans to loans | 0.7338% | 1,173 |
| Net loans and leases to total assets | 29.8441% | 4,465 |
| Net loans and leases to deposits | 35.7223% | 4,399 |
| Net loans and leases to core deposits | 35.9430% | 4,438 |
| Total domestic deposits to total assets | 83.5446% | 3,784 |
| Equity capital to assets | 6.7226% | 3,929 |
| Core capital (leverage) ratio | 8.0122% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2932% | 240 |
| Memoranda: | ||
| Average total assets | $602,293,333 | 1,486 |
| Average earning assets | $589,013,667 | 1,434 |
| Average equity | $41,091,667 | 1,953 |
| Average total loans | $220,469,333 | 2,106 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2820% | 4,469 |
| Cost of funding earning assets | 0.2139% | 2,614 |
| Net interest margin | 2.0681% | 4,470 |
| Noninterest income to average assets | 2.7088% | 171 |
| Noninterest expense to average assets | 4.0413% | 271 |
| Loan and lease loss provision to assets | 0.0055% | 2,209 |
| Net operating income to assets | 4.1641% | 50 |
| Return on assets (ROA) | 4.1641% | 48 |
| Pretax return on assets | 0.6854% | 3,433 |
| Return on Equity (ROE) | 60.5470% | 12 |
| Retained earnings to average equity (ytd only) | 60.5470% | 9 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3994% | 772 |
| Assets per employee ($millions) | 6.9025% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5333% | 4,556 |
| Loan loss allowance to noncurrent loans | 61.3624% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 1,929 |
| Noncurrent loans to loans | 0.8692% | 1,080 |
| Net loans and leases to total assets | 34.1310% | 4,303 |
| Net loans and leases to deposits | 45.5003% | 4,003 |
| Net loans and leases to core deposits | 45.8887% | 4,078 |
| Total domestic deposits to total assets | 75.0127% | 4,540 |
| Equity capital to assets | 7.0039% | 4,214 |
| Core capital (leverage) ratio | 9.8818% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5775% | 184 |
| Memoranda: | ||
| Average total assets | $582,986,000 | 1,550 |
| Average earning assets | $570,385,000 | 1,478 |
| Average equity | $40,094,500 | 2,052 |
| Average total loans | $234,421,000 | 2,023 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7885% | 4,217 |
| Cost of funding earning assets | 0.3704% | 1,749 |
| Net interest margin | 2.4181% | 4,302 |
| Noninterest income to average assets | 2.1249% | 283 |
| Noninterest expense to average assets | 3.0467% | 924 |
| Loan and lease loss provision to assets | 0.3223% | 238 |
| Net operating income to assets | 1.1362% | 2,156 |
| Return on assets (ROA) | 1.1362% | 2,209 |
| Pretax return on assets | 1.1362% | 2,869 |
| Return on Equity (ROE) | 20.1608% | 303 |
| Retained earnings to average equity (ytd only) | 20.1608% | 61 |
| Net charge-offs to loans | 0.5490% | 149 |
| Credit loss provision to net charge-offs | 97.9517% | 1,832 |
| Earnings coverage of net charge-offs (x) | 4.4328% | 2,492 |
| Efficiency ratio | 67.6256% | 2,038 |
| Assets per employee ($millions) | 6.4256% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4152% | 4,677 |
| Loan loss allowance to noncurrent loans | 76.8310% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 2,314 |
| Noncurrent loans to loans | 0.5404% | 1,773 |
| Net loans and leases to total assets | 46.2795% | 3,663 |
| Net loans and leases to deposits | 72.3957% | 1,873 |
| Net loans and leases to core deposits | 73.3572% | 2,128 |
| Total domestic deposits to total assets | 63.9258% | 4,745 |
| Equity capital to assets | 6.7431% | 4,757 |
| Core capital (leverage) ratio | 9.7450% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6811% | 140 |
| Memoranda: | ||
| Average total assets | $578,658,800 | 1,494 |
| Average earning assets | $569,615,800 | 1,431 |
| Average equity | $32,612,800 | 2,402 |
| Average total loans | $346,793,400 | 1,529 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6271% | 4,482 |
| Cost of funding earning assets | 0.3945% | 1,735 |
| Net interest margin | 2.2326% | 4,545 |
| Noninterest income to average assets | 2.0285% | 342 |
| Noninterest expense to average assets | 2.8508% | 1,214 |
| Loan and lease loss provision to assets | 0.3390% | 220 |
| Net operating income to assets | 1.0376% | 2,776 |
| Return on assets (ROA) | 1.0376% | 2,841 |
| Pretax return on assets | 1.0376% | 3,357 |
| Return on Equity (ROE) | 19.3333% | 479 |
| Retained earnings to average equity (ytd only) | 19.3333% | 153 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4344% | 1,909 |
| Assets per employee ($millions) | 7.7120% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 4,451 |
| Loan loss allowance to noncurrent loans | 136.0792% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 2,235 |
| Noncurrent loans to loans | 0.5360% | 1,975 |
| Net loans and leases to total assets | 56.8672% | 2,628 |
| Net loans and leases to deposits | 113.4957% | 73 |
| Net loans and leases to core deposits | 115.1946% | 238 |
| Total domestic deposits to total assets | 50.1052% | 4,866 |
| Equity capital to assets | 5.7673% | 4,898 |
| Core capital (leverage) ratio | 10.1139% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1695% | 125 |
| Memoranda: | ||
| Average total assets | $581,960,750 | 1,508 |
| Average earning assets | $573,181,750 | 1,441 |
| Average equity | $31,233,750 | 2,486 |
| Average total loans | $367,797,000 | 1,490 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9065% | 4,822 |
| Cost of funding earning assets | 0.4111% | 1,795 |
| Net interest margin | 1.4954% | 4,846 |
| Noninterest income to average assets | 2.0376% | 318 |
| Noninterest expense to average assets | 2.8116% | 1,328 |
| Loan and lease loss provision to assets | 0.0609% | 1,818 |
| Net operating income to assets | 0.6376% | 3,903 |
| Return on assets (ROA) | 0.6376% | 3,964 |
| Pretax return on assets | 0.6376% | 4,176 |
| Return on Equity (ROE) | 12.2149% | 1,976 |
| Retained earnings to average equity (ytd only) | 12.2149% | 871 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0984% | 769 |
| Assets per employee ($millions) | 9.6111% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2688% | 4,859 |
| Loan loss allowance to noncurrent loans | 67.9353% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 2,619 |
| Noncurrent loans to loans | 0.3957% | 2,487 |
| Net loans and leases to total assets | 66.1748% | 1,681 |
| Net loans and leases to deposits | 165.6406% | 12 |
| Net loans and leases to core deposits | 168.4641% | 48 |
| Total domestic deposits to total assets | 39.9508% | 4,908 |
| Equity capital to assets | 4.5742% | 4,944 |
| Core capital (leverage) ratio | 10.2208% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8544% | 137 |
| Memoranda: | ||
| Average total assets | $567,722,333 | 1,530 |
| Average earning assets | $559,039,667 | 1,463 |
| Average equity | $29,636,000 | 2,587 |
| Average total loans | $371,114,000 | 1,480 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5678% | 4,897 |
| Cost of funding earning assets | 0.4267% | 1,887 |
| Net interest margin | 1.1412% | 4,918 |
| Noninterest income to average assets | 2.2518% | 307 |
| Noninterest expense to average assets | 3.1104% | 828 |
| Loan and lease loss provision to assets | -0.0280% | 4,616 |
| Net operating income to assets | 0.2911% | 4,529 |
| Return on assets (ROA) | 0.2911% | 4,563 |
| Pretax return on assets | 0.2911% | 4,611 |
| Return on Equity (ROE) | 5.1031% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.1031% | 3,195 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1989% | 325 |
| Assets per employee ($millions) | 7.6126% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2930% | 4,878 |
| Loan loss allowance to noncurrent loans | 40.4876% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 1,951 |
| Noncurrent loans to loans | 0.7237% | 1,797 |
| Net loans and leases to total assets | 66.2022% | 1,773 |
| Net loans and leases to deposits | 141.3581% | 28 |
| Net loans and leases to core deposits | 144.1852% | 84 |
| Total domestic deposits to total assets | 46.8330% | 4,929 |
| Equity capital to assets | 5.0940% | 4,963 |
| Core capital (leverage) ratio | 9.8762% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7986% | 277 |
| Memoranda: | ||
| Average total assets | $486,362,000 | 1,738 |
| Average earning assets | $478,112,500 | 1,653 |
| Average equity | $27,748,000 | 2,689 |
| Average total loans | $314,335,000 | 1,685 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2019% | 4,450 |
| Cost of funding earning assets | 0.6296% | 2,124 |
| Net interest margin | 2.5723% | 4,527 |
| Noninterest income to average assets | 3.1920% | 178 |
| Noninterest expense to average assets | 4.5183% | 252 |
| Loan and lease loss provision to assets | 0.0472% | 3,806 |
| Net operating income to assets | 1.1538% | 1,706 |
| Return on assets (ROA) | 1.1538% | 1,831 |
| Pretax return on assets | 1.1584% | 2,486 |
| Return on Equity (ROE) | 16.0418% | 500 |
| Retained earnings to average equity (ytd only) | 16.0418% | 116 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9374% | 967 |
| Assets per employee ($millions) | 5.7661% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4438% | 4,826 |
| Loan loss allowance to noncurrent loans | 41.7436% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 1,584 |
| Noncurrent loans to loans | 1.0631% | 1,337 |
| Net loans and leases to total assets | 61.9226% | 2,623 |
| Net loans and leases to deposits | 105.4254% | 235 |
| Net loans and leases to core deposits | 107.0956% | 600 |
| Total domestic deposits to total assets | 58.7359% | 4,919 |
| Equity capital to assets | 6.5463% | 4,953 |
| Core capital (leverage) ratio | 9.5832% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7362% | 361 |
| Memoranda: | ||
| Average total assets | $304,825,000 | 2,275 |
| Average earning assets | $300,039,800 | 2,182 |
| Average equity | $21,924,000 | 3,013 |
| Average total loans | $201,472,400 | 2,222 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 4,106 |
| Cost of funding earning assets | 0.6755% | 2,168 |
| Net interest margin | 2.8857% | 4,203 |
| Noninterest income to average assets | 3.3232% | 165 |
| Noninterest expense to average assets | 4.6331% | 232 |
| Loan and lease loss provision to assets | 0.0908% | 3,179 |
| Net operating income to assets | 1.4391% | 1,014 |
| Return on assets (ROA) | 1.4391% | 1,105 |
| Pretax return on assets | 1.4420% | 1,601 |
| Return on Equity (ROE) | 19.3700% | 270 |
| Retained earnings to average equity (ytd only) | 19.3700% | 90 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1397% | 1,286 |
| Assets per employee ($millions) | 5.5990% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4555% | 4,847 |
| Loan loss allowance to noncurrent loans | 43.4429% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 1,642 |
| Noncurrent loans to loans | 1.0486% | 1,423 |
| Net loans and leases to total assets | 67.4949% | 2,317 |
| Net loans and leases to deposits | 120.8874% | 104 |
| Net loans and leases to core deposits | 122.7409% | 361 |
| Total domestic deposits to total assets | 55.8329% | 4,955 |
| Equity capital to assets | 6.9233% | 4,963 |
| Core capital (leverage) ratio | 10.8861% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7970% | 418 |
| Memoranda: | ||
| Average total assets | $278,683,250 | 2,387 |
| Average earning assets | $274,542,500 | 2,301 |
| Average equity | $20,705,000 | 3,119 |
| Average total loans | $188,181,500 | 2,343 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3561% | 4,583 |
| Cost of funding earning assets | 0.7377% | 2,186 |
| Net interest margin | 2.6184% | 4,635 |
| Noninterest income to average assets | 3.6515% | 130 |
| Noninterest expense to average assets | 4.9038% | 200 |
| Loan and lease loss provision to assets | 0.1553% | 2,446 |
| Net operating income to assets | 1.1657% | 1,741 |
| Return on assets (ROA) | 1.1657% | 1,869 |
| Pretax return on assets | 1.1689% | 2,467 |
| Return on Equity (ROE) | 15.1538% | 688 |
| Retained earnings to average equity (ytd only) | 15.1538% | 217 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7374% | 985 |
| Assets per employee ($millions) | 5.2944% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4939% | 4,840 |
| Loan loss allowance to noncurrent loans | 8.7435% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 4.0974% | 84 |
| Noncurrent loans to loans | 5.6493% | 83 |
| Net loans and leases to total assets | 72.1713% | 1,675 |
| Net loans and leases to deposits | 122.9448% | 79 |
| Net loans and leases to core deposits | 125.4008% | 320 |
| Total domestic deposits to total assets | 58.7022% | 4,972 |
| Equity capital to assets | 6.0209% | 5,036 |
| Core capital (leverage) ratio | 9.3921% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1371% | 1,029 |
| Memoranda: | ||
| Average total assets | $244,667,333 | 2,576 |
| Average earning assets | $240,756,333 | 2,484 |
| Average equity | $18,820,333 | 3,285 |
| Average total loans | $164,858,667 | 2,519 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8122% | 4,209 |
| Cost of funding earning assets | 0.8748% | 1,991 |
| Net interest margin | 2.9374% | 4,372 |
| Noninterest income to average assets | 3.9236% | 113 |
| Noninterest expense to average assets | 5.7750% | 160 |
| Loan and lease loss provision to assets | 0.2958% | 1,045 |
| Net operating income to assets | 0.7394% | 3,134 |
| Return on assets (ROA) | 0.7394% | 3,212 |
| Pretax return on assets | 0.7394% | 3,568 |
| Return on Equity (ROE) | 8.1751% | 2,441 |
| Retained earnings to average equity (ytd only) | 8.1751% | 1,177 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8002% | 782 |
| Assets per employee ($millions) | 3.0048% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 4,182 |
| Loan loss allowance to noncurrent loans | 41.9653% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.4530% | 754 |
| Noncurrent loans to loans | 2.1000% | 652 |
| Net loans and leases to total assets | 68.5835% | 2,456 |
| Net loans and leases to deposits | 76.8187% | 2,997 |
| Net loans and leases to core deposits | 78.6244% | 3,305 |
| Total domestic deposits to total assets | 89.2797% | 555 |
| Equity capital to assets | 10.0322% | 3,752 |
| Core capital (leverage) ratio | 9.0861% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4124% | 1,251 |
| Memoranda: | ||
| Average total assets | $202,873,500 | 2,845 |
| Average earning assets | $199,357,500 | 2,745 |
| Average equity | $18,348,500 | 3,342 |
| Average total loans | $128,247,000 | 2,856 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 3,869 |
| Cost of funding earning assets | 0.8693% | 2,335 |
| Net interest margin | 3.3057% | 3,978 |
| Noninterest income to average assets | 3.4280% | 127 |
| Noninterest expense to average assets | 5.9694% | 143 |
| Loan and lease loss provision to assets | 0.0753% | 2,489 |
| Net operating income to assets | 0.6382% | 4,049 |
| Return on assets (ROA) | 0.6382% | 4,115 |
| Pretax return on assets | 0.6382% | 4,352 |
| Return on Equity (ROE) | 7.1918% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.1918% | 1,315 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3230% | 374 |
| Assets per employee ($millions) | 3.8499% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 4,380 |
| Loan loss allowance to noncurrent loans | 51.5960% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 1,471 |
| Noncurrent loans to loans | 1.4978% | 966 |
| Net loans and leases to total assets | 57.6909% | 3,792 |
| Net loans and leases to deposits | 63.1767% | 4,127 |
| Net loans and leases to core deposits | 64.1690% | 4,269 |
| Total domestic deposits to total assets | 91.3168% | 84 |
| Equity capital to assets | 8.2056% | 5,007 |
| Core capital (leverage) ratio | 9.4544% | 4,106 |
| Tier 1 risk-based capital ratio | 16.4852% | 2,218 |
| Total risk-based capital ratio | 17.3947% | 2,304 |
| Memoranda: | ||
| Average total assets | $181,911,400 | 3,002 |
| Average earning assets | $179,114,000 | 2,893 |
| Average equity | $16,143,400 | 3,526 |
| Average total loans | $118,894,000 | 2,954 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 3,481 |
| Cost of funding earning assets | 0.8831% | 2,307 |
| Net interest margin | 3.4776% | 3,640 |
| Noninterest income to average assets | 3.2713% | 139 |
| Noninterest expense to average assets | 6.0418% | 136 |
| Loan and lease loss provision to assets | 0.0340% | 3,219 |
| Net operating income to assets | 0.6190% | 4,246 |
| Return on assets (ROA) | 0.6190% | 4,295 |
| Pretax return on assets | 0.6190% | 4,507 |
| Return on Equity (ROE) | 6.8121% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.8121% | 1,944 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2459% | 316 |
| Assets per employee ($millions) | 3.1364% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 4,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 72.6873% | 2,049 |
| Net loans and leases to deposits | 80.7381% | 2,828 |
| Net loans and leases to core deposits | 82.3372% | 3,225 |
| Total domestic deposits to total assets | 90.0285% | 281 |
| Equity capital to assets | 9.2194% | 4,653 |
| Core capital (leverage) ratio | 8.5945% | 4,891 |
| Tier 1 risk-based capital ratio | 15.0095% | 2,837 |
| Total risk-based capital ratio | 15.8475% | 2,956 |
| Memoranda: | ||
| Average total assets | $172,527,500 | 3,116 |
| Average earning assets | $169,843,500 | 3,012 |
| Average equity | $15,677,500 | 3,613 |
| Average total loans | $116,720,750 | 3,007 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 3,775 |
| Cost of funding earning assets | 0.8137% | 2,579 |
| Net interest margin | 3.4409% | 3,769 |
| Noninterest income to average assets | 3.1990% | 140 |
| Noninterest expense to average assets | 5.7321% | 148 |
| Loan and lease loss provision to assets | -0.0222% | 5,141 |
| Net operating income to assets | 0.8770% | 3,376 |
| Return on assets (ROA) | 0.8770% | 3,440 |
| Pretax return on assets | 0.8770% | 3,915 |
| Return on Equity (ROE) | 9.6997% | 2,532 |
| Retained earnings to average equity (ytd only) | 9.6997% | 844 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0220% | 495 |
| Assets per employee ($millions) | 3.3836% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 4,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 58.9368% | 3,831 |
| Net loans and leases to deposits | 65.0057% | 4,159 |
| Net loans and leases to core deposits | 66.4331% | 4,294 |
| Total domestic deposits to total assets | 90.6640% | 161 |
| Equity capital to assets | 8.6563% | 4,976 |
| Core capital (leverage) ratio | 9.3611% | 4,299 |
| Tier 1 risk-based capital ratio | 17.7636% | 1,865 |
| Total risk-based capital ratio | 18.6885% | 1,917 |
| Memoranda: | ||
| Average total assets | $171,490,000 | 3,142 |
| Average earning assets | $168,850,670 | 3,038 |
| Average equity | $15,505,670 | 3,634 |
| Average total loans | $112,774,000 | 3,091 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 3,316 |
| Cost of funding earning assets | 0.7861% | 2,619 |
| Net interest margin | 3.5891% | 3,290 |
| Noninterest income to average assets | 2.8592% | 157 |
| Noninterest expense to average assets | 5.8814% | 147 |
| Loan and lease loss provision to assets | 0.1144% | 1,545 |
| Net operating income to assets | 0.3966% | 4,739 |
| Return on assets (ROA) | 0.3966% | 4,751 |
| Pretax return on assets | 0.3966% | 4,841 |
| Return on Equity (ROE) | 4.2292% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.2292% | 3,227 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0061% | 327 |
| Assets per employee ($millions) | 3.2522% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 4,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 68.3665% | 2,705 |
| Net loans and leases to deposits | 75.9273% | 3,264 |
| Net loans and leases to core deposits | 77.0532% | 3,592 |
| Total domestic deposits to total assets | 90.0421% | 431 |
| Equity capital to assets | 9.2164% | 4,517 |
| Core capital (leverage) ratio | 9.7089% | 3,907 |
| Tier 1 risk-based capital ratio | 16.0987% | 2,394 |
| Total risk-based capital ratio | 17.0259% | 2,467 |
| Memoranda: | ||
| Average total assets | $164,384,000 | 3,245 |
| Average earning assets | $161,821,500 | 3,150 |
| Average equity | $15,416,500 | 3,655 |
| Average total loans | $114,107,000 | 3,096 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 3,646 |
| Cost of funding earning assets | 0.6468% | 2,417 |
| Net interest margin | 3.4847% | 3,757 |
| Noninterest income to average assets | 2.8223% | 165 |
| Noninterest expense to average assets | 6.0550% | 129 |
| Loan and lease loss provision to assets | 0.0800% | 2,523 |
| Net operating income to assets | 0.1134% | 5,174 |
| Return on assets (ROA) | 0.1134% | 5,168 |
| Pretax return on assets | 0.1134% | 5,170 |
| Return on Equity (ROE) | 1.1795% | 5,139 |
| Retained earnings to average equity (ytd only) | 1.1795% | 4,656 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9048% | 193 |
| Assets per employee ($millions) | 3.3262% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 4,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.4324% | 2,667 |
| Net loans and leases to deposits | 77.3104% | 3,242 |
| Net loans and leases to core deposits | 78.7275% | 3,525 |
| Total domestic deposits to total assets | 89.8100% | 538 |
| Equity capital to assets | 9.5499% | 4,086 |
| Core capital (leverage) ratio | 9.7057% | 3,901 |
| Tier 1 risk-based capital ratio | 16.3465% | 2,290 |
| Total risk-based capital ratio | 17.2483% | 2,348 |
| Memoranda: | ||
| Average total assets | $152,534,400 | 3,356 |
| Average earning assets | $149,969,600 | 3,246 |
| Average equity | $14,667,600 | 3,675 |
| Average total loans | $102,359,000 | 3,255 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,832 |
| Cost of funding earning assets | 0.6028% | 2,455 |
| Net interest margin | 3.4317% | 3,917 |
| Noninterest income to average assets | 2.5595% | 201 |
| Noninterest expense to average assets | 5.9035% | 137 |
| Loan and lease loss provision to assets | 0.0486% | 3,020 |
| Net operating income to assets | -0.0195% | 5,306 |
| Return on assets (ROA) | -0.0195% | 5,301 |
| Pretax return on assets | -0.0195% | 5,304 |
| Return on Equity (ROE) | -0.2020% | 5,301 |
| Retained earnings to average equity (ytd only) | -0.2020% | 5,058 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5081% | 164 |
| Assets per employee ($millions) | 3.4229% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 4,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 67.9191% | 2,954 |
| Net loans and leases to deposits | 75.5075% | 3,455 |
| Net loans and leases to core deposits | 76.9284% | 3,747 |
| Total domestic deposits to total assets | 89.9501% | 526 |
| Equity capital to assets | 9.4465% | 4,133 |
| Core capital (leverage) ratio | 9.7946% | 3,846 |
| Tier 1 risk-based capital ratio | 16.2424% | 2,356 |
| Total risk-based capital ratio | 17.0785% | 2,450 |
| Memoranda: | ||
| Average total assets | $150,754,000 | 3,415 |
| Average earning assets | $148,182,500 | 3,296 |
| Average equity | $14,522,750 | 3,720 |
| Average total loans | $100,023,250 | 3,326 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 4,296 |
| Cost of funding earning assets | 0.5264% | 2,791 |
| Net interest margin | 3.2957% | 4,260 |
| Noninterest income to average assets | 1.8112% | 315 |
| Noninterest expense to average assets | 5.7891% | 149 |
| Loan and lease loss provision to assets | 0.0741% | 2,408 |
| Net operating income to assets | -0.8147% | 5,465 |
| Return on assets (ROA) | -0.8147% | 5,459 |
| Pretax return on assets | -0.8147% | 5,459 |
| Return on Equity (ROE) | -8.3995% | 5,464 |
| Retained earnings to average equity (ytd only) | -8.3995% | 5,390 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6706% | 79 |
| Assets per employee ($millions) | 3.6278% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 4,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.4436% | 3,457 |
| Net loans and leases to deposits | 70.1729% | 3,837 |
| Net loans and leases to core deposits | 71.1446% | 4,073 |
| Total domestic deposits to total assets | 90.4105% | 428 |
| Equity capital to assets | 8.9950% | 4,563 |
| Core capital (leverage) ratio | 10.3356% | 3,201 |
| Tier 1 risk-based capital ratio | 16.3127% | 2,326 |
| Total risk-based capital ratio | 17.1869% | 2,399 |
| Memoranda: | ||
| Average total assets | $148,520,330 | 3,457 |
| Average earning assets | $145,886,330 | 3,347 |
| Average equity | $14,405,670 | 3,754 |
| Average total loans | $97,456,330 | 3,382 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,698 |
| Cost of funding earning assets | 0.5504% | 2,403 |
| Net interest margin | 3.4278% | 3,785 |
| Noninterest income to average assets | 1.8158% | 307 |
| Noninterest expense to average assets | 6.1859% | 136 |
| Loan and lease loss provision to assets | 0.0727% | 2,307 |
| Net operating income to assets | -1.0800% | 5,536 |
| Return on assets (ROA) | -1.0800% | 5,535 |
| Pretax return on assets | -1.0800% | 5,536 |
| Return on Equity (ROE) | -10.7003% | 5,536 |
| Retained earnings to average equity (ytd only) | -10.7003% | 5,386 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.4489% | 64 |
| Assets per employee ($millions) | 3.3453% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 4,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 65.6813% | 3,094 |
| Net loans and leases to deposits | 73.3518% | 3,476 |
| Net loans and leases to core deposits | 74.5988% | 3,774 |
| Total domestic deposits to total assets | 89.5428% | 868 |
| Equity capital to assets | 9.9524% | 3,644 |
| Core capital (leverage) ratio | 10.7998% | 2,631 |
| Tier 1 risk-based capital ratio | 16.6726% | 2,219 |
| Total risk-based capital ratio | 17.5206% | 2,316 |
| Memoranda: | ||
| Average total assets | $142,969,500 | 3,558 |
| Average earning assets | $140,265,500 | 3,442 |
| Average equity | $14,429,500 | 3,784 |
| Average total loans | $95,158,500 | 3,444 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 3,188 |
| Cost of funding earning assets | 0.5589% | 1,889 |
| Net interest margin | 3.5064% | 3,506 |
| Noninterest income to average assets | 2.6523% | 202 |
| Noninterest expense to average assets | 7.8215% | 95 |
| Loan and lease loss provision to assets | -0.0259% | 5,343 |
| Net operating income to assets | -1.8587% | 5,636 |
| Return on assets (ROA) | -1.8602% | 5,635 |
| Pretax return on assets | -1.8594% | 5,641 |
| Return on Equity (ROE) | -18.7309% | 5,637 |
| Retained earnings to average equity (ytd only) | -18.7309% | 5,611 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.7265% | 43 |
| Assets per employee ($millions) | 3.3841% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 66.4226% | 3,045 |
| Net loans and leases to deposits | 74.7888% | 3,447 |
| Net loans and leases to core deposits | 76.1672% | 3,730 |
| Total domestic deposits to total assets | 88.8135% | 1,079 |
| Equity capital to assets | 10.2416% | 3,446 |
| Core capital (leverage) ratio | 10.0341% | 3,416 |
| Tier 1 risk-based capital ratio | 16.3040% | 2,327 |
| Total risk-based capital ratio | 17.1392% | 2,419 |
| Memoranda: | ||
| Average total assets | $135,203,800 | 3,678 |
| Average earning assets | $126,681,200 | 3,636 |
| Average equity | $13,427,000 | 3,926 |
| Average total loans | $87,637,200 | 3,573 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 3,000 |
| Cost of funding earning assets | 0.5511% | 1,883 |
| Net interest margin | 3.5445% | 3,336 |
| Noninterest income to average assets | 2.9015% | 192 |
| Noninterest expense to average assets | 8.2370% | 95 |
| Loan and lease loss provision to assets | 0.0556% | 2,977 |
| Net operating income to assets | -2.1104% | 5,714 |
| Return on assets (ROA) | -2.1123% | 5,713 |
| Pretax return on assets | -2.1114% | 5,714 |
| Return on Equity (ROE) | -21.4436% | 5,713 |
| Retained earnings to average equity (ytd only) | -21.4436% | 5,685 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.2156% | 40 |
| Assets per employee ($millions) | 3.1444% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 4,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.9608% | 2,563 |
| Net loans and leases to deposits | 78.7839% | 3,090 |
| Net loans and leases to core deposits | 80.4684% | 3,416 |
| Total domestic deposits to total assets | 88.8009% | 970 |
| Equity capital to assets | 10.1845% | 3,705 |
| Core capital (leverage) ratio | 9.9280% | 3,652 |
| Tier 1 risk-based capital ratio | 14.5200% | 3,171 |
| Total risk-based capital ratio | 15.4077% | 3,274 |
| Memoranda: | ||
| Average total assets | $134,317,750 | 3,722 |
| Average earning assets | $124,359,750 | 3,708 |
| Average equity | $13,231,250 | 3,994 |
| Average total loans | $86,324,750 | 3,627 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 3,735 |
| Cost of funding earning assets | 0.5257% | 1,957 |
| Net interest margin | 3.3206% | 4,046 |
| Noninterest income to average assets | 2.7201% | 205 |
| Noninterest expense to average assets | 8.5719% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -2.7201% | 5,766 |
| Return on assets (ROA) | -2.7216% | 5,766 |
| Pretax return on assets | -2.7201% | 5,765 |
| Return on Equity (ROE) | -27.9367% | 5,765 |
| Retained earnings to average equity (ytd only) | -27.9367% | 5,742 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.4457% | 28 |
| Assets per employee ($millions) | 2.2697% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 4,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 62.9320% | 3,517 |
| Net loans and leases to deposits | 70.6748% | 3,859 |
| Net loans and leases to core deposits | 72.1854% | 4,082 |
| Total domestic deposits to total assets | 89.0445% | 932 |
| Equity capital to assets | 9.9328% | 3,989 |
| Core capital (leverage) ratio | 10.3224% | 3,113 |
| Tier 1 risk-based capital ratio | 15.8930% | 2,547 |
| Total risk-based capital ratio | 16.7796% | 2,633 |
| Memoranda: | ||
| Average total assets | $135,069,000 | 3,738 |
| Average earning assets | $127,448,330 | 3,681 |
| Average equity | $13,158,330 | 4,017 |
| Average total loans | $84,029,330 | 3,693 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7521% | 3,928 |
| Cost of funding earning assets | 0.5040% | 2,056 |
| Net interest margin | 3.2481% | 4,188 |
| Noninterest income to average assets | 2.6541% | 219 |
| Noninterest expense to average assets | 9.1799% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -3.3949% | 5,841 |
| Return on assets (ROA) | -3.3949% | 5,841 |
| Pretax return on assets | -3.3949% | 5,834 |
| Return on Equity (ROE) | -35.2058% | 5,837 |
| Retained earnings to average equity (ytd only) | -35.2058% | 5,803 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.6833% | 31 |
| Assets per employee ($millions) | 2.0303% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 4,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 60.7744% | 3,701 |
| Net loans and leases to deposits | 67.5038% | 4,040 |
| Net loans and leases to core deposits | 69.0420% | 4,218 |
| Total domestic deposits to total assets | 90.0311% | 646 |
| Equity capital to assets | 9.3423% | 4,448 |
| Core capital (leverage) ratio | 8.8400% | 4,917 |
| Tier 1 risk-based capital ratio | 15.7592% | 2,640 |
| Total risk-based capital ratio | 16.7296% | 2,696 |
| Memoranda: | ||
| Average total assets | $133,378,000 | 3,791 |
| Average earning assets | $128,566,500 | 3,694 |
| Average equity | $12,861,500 | 4,077 |
| Average total loans | $82,098,000 | 3,765 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6029% | 4,497 |
| Cost of funding earning assets | 0.7273% | 711 |
| Net interest margin | 2.8756% | 5,174 |
| Noninterest income to average assets | 2.6422% | 241 |
| Noninterest expense to average assets | 9.2583% | 85 |
| Loan and lease loss provision to assets | 0.0308% | 3,738 |
| Net operating income to assets | -3.8329% | 5,902 |
| Return on assets (ROA) | -3.8329% | 5,902 |
| Pretax return on assets | -3.8329% | 5,900 |
| Return on Equity (ROE) | -38.1154% | 5,897 |
| Retained earnings to average equity (ytd only) | -38.1154% | 5,892 |
| Net charge-offs to loans | 0.0139% | 3,816 |
| Credit loss provision to net charge-offs | 390.9091% | 809 |
| Earnings coverage of net charge-offs (x) | -482.7273% | 4,279 |
| Efficiency ratio | 169.6850% | 21 |
| Assets per employee ($millions) | 1.9255% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 4,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.1844% | 3,701 |
| Net loans and leases to deposits | 68.5896% | 4,043 |
| Net loans and leases to core deposits | 69.9925% | 4,244 |
| Total domestic deposits to total assets | 89.2036% | 1,010 |
| Equity capital to assets | 9.7206% | 4,039 |
| Core capital (leverage) ratio | 11.3448% | 2,039 |
| Tier 1 risk-based capital ratio | 16.7571% | 2,248 |
| Total risk-based capital ratio | 17.7251% | 2,297 |
| Memoranda: | ||
| Average total assets | $139,658,600 | 3,679 |
| Average earning assets | $136,665,800 | 3,543 |
| Average equity | $14,044,200 | 3,935 |
| Average total loans | $78,884,000 | 3,824 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4634% | 4,903 |
| Cost of funding earning assets | 0.4771% | 2,297 |
| Net interest margin | 2.9863% | 5,039 |
| Noninterest income to average assets | 2.4891% | 259 |
| Noninterest expense to average assets | 9.6025% | 76 |
| Loan and lease loss provision to assets | -0.0748% | 5,761 |
| Net operating income to assets | -4.1141% | 5,970 |
| Return on assets (ROA) | -4.1141% | 5,970 |
| Pretax return on assets | -4.1122% | 5,970 |
| Return on Equity (ROE) | -40.5880% | 5,966 |
| Retained earnings to average equity (ytd only) | -40.5880% | 5,959 |
| Net charge-offs to loans | 0.0189% | 3,336 |
| Credit loss provision to net charge-offs | -718.1818% | 5,146 |
| Earnings coverage of net charge-offs (x) | -402.0804% | 3,951 |
| Efficiency ratio | 177.3156% | 18 |
| Assets per employee ($millions) | 1.8976% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,931 |
| Loan loss allowance to noncurrent loans | 26.6667% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.8068% | 906 |
| Noncurrent loans to loans | 3.3017% | 418 |
| Net loans and leases to total assets | 54.2423% | 4,477 |
| Net loans and leases to deposits | 60.4071% | 4,727 |
| Net loans and leases to core deposits | 61.6597% | 4,852 |
| Total domestic deposits to total assets | 89.7945% | 559 |
| Equity capital to assets | 9.7704% | 4,394 |
| Core capital (leverage) ratio | 9.4694% | 4,216 |
| Tier 1 risk-based capital ratio | 18.8956% | 1,694 |
| Total risk-based capital ratio | 19.8479% | 1,729 |
| Memoranda: | ||
| Average total assets | $140,876,750 | 3,676 |
| Average earning assets | $138,050,750 | 3,540 |
| Average equity | $14,279,750 | 3,942 |
| Average total loans | $77,797,500 | 3,882 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5779% | 4,659 |
| Cost of funding earning assets | 0.4531% | 2,540 |
| Net interest margin | 3.1248% | 4,764 |
| Noninterest income to average assets | 2.3405% | 279 |
| Noninterest expense to average assets | 8.7295% | 89 |
| Loan and lease loss provision to assets | -0.0822% | 5,859 |
| Net operating income to assets | -3.2419% | 6,037 |
| Return on assets (ROA) | -3.2419% | 6,037 |
| Pretax return on assets | -3.2419% | 6,033 |
| Return on Equity (ROE) | -31.6304% | 6,030 |
| Retained earnings to average equity (ytd only) | -31.6304% | 6,009 |
| Net charge-offs to loans | 0.0277% | 2,928 |
| Credit loss provision to net charge-offs | -536.3636% | 4,951 |
| Earnings coverage of net charge-offs (x) | -216.9091% | 3,685 |
| Efficiency ratio | 161.4948% | 36 |
| Assets per employee ($millions) | 2.1696% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 4,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 50.5211% | 4,807 |
| Net loans and leases to deposits | 56.1147% | 5,004 |
| Net loans and leases to core deposits | 57.3576% | 5,106 |
| Total domestic deposits to total assets | 90.0319% | 478 |
| Equity capital to assets | 9.6489% | 4,617 |
| Core capital (leverage) ratio | 10.1230% | 3,421 |
| Tier 1 risk-based capital ratio | 19.4934% | 1,569 |
| Total risk-based capital ratio | 20.4302% | 1,619 |
| Memoranda: | ||
| Average total assets | $143,559,000 | 3,650 |
| Average earning assets | $140,809,670 | 3,526 |
| Average equity | $14,713,670 | 3,898 |
| Average total loans | $79,500,000 | 3,856 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4414% | 5,025 |
| Cost of funding earning assets | 0.4259% | 2,806 |
| Net interest margin | 3.0155% | 5,081 |
| Noninterest income to average assets | 2.5600% | 245 |
| Noninterest expense to average assets | 9.2838% | 79 |
| Loan and lease loss provision to assets | 0.1290% | 1,643 |
| Net operating income to assets | -3.8947% | 6,100 |
| Return on assets (ROA) | -3.8947% | 6,100 |
| Pretax return on assets | -3.8947% | 6,095 |
| Return on Equity (ROE) | -36.8986% | 6,095 |
| Retained earnings to average equity (ytd only) | -36.8986% | 6,050 |
| Net charge-offs to loans | 0.0535% | 1,990 |
| Credit loss provision to net charge-offs | 418.1818% | 686 |
| Earnings coverage of net charge-offs (x) | -122.0909% | 3,090 |
| Efficiency ratio | 168.2419% | 35 |
| Assets per employee ($millions) | 1.7248% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 64.3344% | 3,201 |
| Net loans and leases to deposits | 73.1099% | 3,540 |
| Net loans and leases to core deposits | 75.1340% | 3,773 |
| Total domestic deposits to total assets | 87.9968% | 1,645 |
| Equity capital to assets | 11.6037% | 2,347 |
| Core capital (leverage) ratio | 10.0742% | 3,444 |
| Tier 1 risk-based capital ratio | 17.9304% | 2,001 |
| Total risk-based capital ratio | 18.8975% | 2,051 |
| Memoranda: | ||
| Average total assets | $142,657,000 | 3,692 |
| Average earning assets | $139,944,500 | 3,563 |
| Average equity | $15,057,500 | 3,860 |
| Average total loans | $82,200,500 | 3,796 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4101% | 5,134 |
| Cost of funding earning assets | 0.4162% | 2,984 |
| Net interest margin | 2.9939% | 5,153 |
| Noninterest income to average assets | 1.4785% | 566 |
| Noninterest expense to average assets | 6.4422% | 161 |
| Loan and lease loss provision to assets | 0.1576% | 1,476 |
| Net operating income to assets | -2.1731% | 6,142 |
| Return on assets (ROA) | -2.1738% | 6,143 |
| Pretax return on assets | -2.1724% | 6,142 |
| Return on Equity (ROE) | -20.4322% | 6,140 |
| Retained earnings to average equity (ytd only) | -20.4322% | 6,122 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.4854% | 43 |
| Assets per employee ($millions) | 2.1774% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 5,194 |
| Loan loss allowance to noncurrent loans | 32.1444% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 1,488 |
| Noncurrent loans to loans | 2.7119% | 647 |
| Net loans and leases to total assets | 51.5193% | 4,735 |
| Net loans and leases to deposits | 57.3956% | 4,954 |
| Net loans and leases to core deposits | 58.9518% | 5,046 |
| Total domestic deposits to total assets | 89.7617% | 731 |
| Equity capital to assets | 9.7468% | 4,241 |
| Core capital (leverage) ratio | 10.2960% | 3,160 |
| Tier 1 risk-based capital ratio | 18.6666% | 1,784 |
| Total risk-based capital ratio | 19.5412% | 1,844 |
| Memoranda: | ||
| Average total assets | $146,565,400 | 3,621 |
| Average earning assets | $144,392,800 | 3,484 |
| Average equity | $15,593,000 | 3,749 |
| Average total loans | $79,111,600 | 3,857 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5128% | 4,954 |
| Cost of funding earning assets | 0.4315% | 2,886 |
| Net interest margin | 3.0813% | 5,012 |
| Noninterest income to average assets | 1.0775% | 1,040 |
| Noninterest expense to average assets | 5.9639% | 179 |
| Loan and lease loss provision to assets | 0.1800% | 1,158 |
| Net operating income to assets | -2.0309% | 6,227 |
| Return on assets (ROA) | -2.0318% | 6,228 |
| Pretax return on assets | -2.0299% | 6,225 |
| Return on Equity (ROE) | -18.6568% | 6,219 |
| Retained earnings to average equity (ytd only) | -18.6568% | 6,192 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.9331% | 44 |
| Assets per employee ($millions) | 2.2257% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7766% | 5,568 |
| Loan loss allowance to noncurrent loans | 29.5600% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 1.5026% | 1,500 |
| Noncurrent loans to loans | 2.6271% | 746 |
| Net loans and leases to total assets | 56.7500% | 4,271 |
| Net loans and leases to deposits | 63.9778% | 4,560 |
| Net loans and leases to core deposits | 64.6765% | 4,782 |
| Total domestic deposits to total assets | 88.7028% | 1,175 |
| Equity capital to assets | 10.7453% | 3,308 |
| Core capital (leverage) ratio | 11.6106% | 1,948 |
| Tier 1 risk-based capital ratio | 17.9179% | 2,045 |
| Total risk-based capital ratio | 18.6615% | 2,166 |
| Memoranda: | ||
| Average total assets | $142,924,250 | 3,703 |
| Average earning assets | $140,890,500 | 3,560 |
| Average equity | $15,565,000 | 3,790 |
| Average total loans | $77,953,750 | 3,924 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 5,225 |
| Cost of funding earning assets | 0.4491% | 2,743 |
| Net interest margin | 2.9535% | 5,329 |
| Noninterest income to average assets | 0.6939% | 2,241 |
| Noninterest expense to average assets | 5.6855% | 203 |
| Loan and lease loss provision to assets | 0.1385% | 1,577 |
| Net operating income to assets | -2.2203% | 6,310 |
| Return on assets (ROA) | -2.2217% | 6,311 |
| Pretax return on assets | -2.2188% | 6,309 |
| Return on Equity (ROE) | -20.2992% | 6,294 |
| Retained earnings to average equity (ytd only) | -20.2992% | 6,264 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.6400% | 37 |
| Assets per employee ($millions) | 3.0746% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7623% | 5,687 |
| Loan loss allowance to noncurrent loans | 110.1852% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 4,397 |
| Noncurrent loans to loans | 0.6918% | 3,417 |
| Net loans and leases to total assets | 53.6058% | 4,597 |
| Net loans and leases to deposits | 59.8743% | 4,861 |
| Net loans and leases to core deposits | 60.5700% | 5,037 |
| Total domestic deposits to total assets | 89.5305% | 885 |
| Equity capital to assets | 9.9256% | 4,121 |
| Core capital (leverage) ratio | 9.8512% | 3,802 |
| Tier 1 risk-based capital ratio | 19.5209% | 1,666 |
| Total risk-based capital ratio | 20.3326% | 1,746 |
| Memoranda: | ||
| Average total assets | $138,632,670 | 3,803 |
| Average earning assets | $136,718,000 | 3,646 |
| Average equity | $15,173,000 | 3,860 |
| Average total loans | $74,235,670 | 4,055 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4995% | 4,965 |
| Cost of funding earning assets | 0.4546% | 2,725 |
| Net interest margin | 3.0449% | 5,091 |
| Noninterest income to average assets | 0.3744% | 4,209 |
| Noninterest expense to average assets | 5.2087% | 261 |
| Loan and lease loss provision to assets | 0.2830% | 532 |
| Net operating income to assets | -2.1165% | 6,370 |
| Return on assets (ROA) | -2.1194% | 6,372 |
| Pretax return on assets | -2.1194% | 6,367 |
| Return on Equity (ROE) | -18.4501% | 6,354 |
| Retained earnings to average equity (ytd only) | -18.4501% | 6,257 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.3231% | 45 |
| Assets per employee ($millions) | 3.0725% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 5,726 |
| Loan loss allowance to noncurrent loans | 242.8571% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 5,243 |
| Noncurrent loans to loans | 0.3240% | 4,628 |
| Net loans and leases to total assets | 54.2527% | 4,413 |
| Net loans and leases to deposits | 62.4190% | 4,534 |
| Net loans and leases to core deposits | 63.0581% | 4,776 |
| Total domestic deposits to total assets | 86.9171% | 2,416 |
| Equity capital to assets | 11.0195% | 2,946 |
| Core capital (leverage) ratio | 11.3384% | 2,124 |
| Tier 1 risk-based capital ratio | 21.9999% | 1,246 |
| Total risk-based capital ratio | 22.8650% | 1,273 |
| Memoranda: | ||
| Average total assets | $135,696,500 | 3,886 |
| Average earning assets | $133,732,500 | 3,721 |
| Average equity | $15,588,000 | 3,818 |
| Average total loans | $72,324,500 | 4,124 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3156% | 5,681 |
| Cost of funding earning assets | 0.5912% | 1,848 |
| Net interest margin | 2.7244% | 5,909 |
| Noninterest income to average assets | 0.3398% | 4,678 |
| Noninterest expense to average assets | 5.5925% | 218 |
| Loan and lease loss provision to assets | 0.0480% | 3,609 |
| Net operating income to assets | -2.6290% | 6,471 |
| Return on assets (ROA) | -2.6318% | 6,473 |
| Pretax return on assets | -2.6263% | 6,469 |
| Return on Equity (ROE) | -17.8893% | 6,428 |
| Retained earnings to average equity (ytd only) | -17.8893% | 6,403 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.3710% | 28 |
| Assets per employee ($millions) | 3.5034% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 5,945 |
| Loan loss allowance to noncurrent loans | 203.6735% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 5,295 |
| Noncurrent loans to loans | 0.3549% | 4,592 |
| Net loans and leases to total assets | 51.4862% | 4,833 |
| Net loans and leases to deposits | 58.7943% | 5,000 |
| Net loans and leases to core deposits | 59.4140% | 5,181 |
| Total domestic deposits to total assets | 87.5700% | 1,993 |
| Equity capital to assets | 11.9733% | 2,034 |
| Core capital (leverage) ratio | 11.9145% | 1,685 |
| Tier 1 risk-based capital ratio | 23.0101% | 1,083 |
| Total risk-based capital ratio | 23.7345% | 1,136 |
| Memoranda: | ||
| Average total assets | $110,344,800 | 4,374 |
| Average earning assets | $108,425,800 | 4,220 |
| Average equity | $16,233,200 | 3,639 |
| Average total loans | $58,910,800 | 4,524 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4548% | 5,484 |
| Cost of funding earning assets | 0.6320% | 1,583 |
| Net interest margin | 2.8228% | 5,838 |
| Noninterest income to average assets | 0.4765% | 3,710 |
| Noninterest expense to average assets | 5.5626% | 224 |
| Loan and lease loss provision to assets | 0.0675% | 2,995 |
| Net operating income to assets | -2.3889% | 6,541 |
| Return on assets (ROA) | -2.3914% | 6,542 |
| Pretax return on assets | -2.3851% | 6,539 |
| Return on Equity (ROE) | -15.3473% | 6,489 |
| Retained earnings to average equity (ytd only) | -15.3473% | 6,448 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.2829% | 35 |
| Assets per employee ($millions) | 3.0014% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 5,852 |
| Loan loss allowance to noncurrent loans | 203.6735% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 5,424 |
| Noncurrent loans to loans | 0.3976% | 4,718 |
| Net loans and leases to total assets | 49.6652% | 5,042 |
| Net loans and leases to deposits | 57.9286% | 5,105 |
| Net loans and leases to core deposits | 58.7477% | 5,289 |
| Total domestic deposits to total assets | 85.7352% | 2,990 |
| Equity capital to assets | 13.7439% | 1,095 |
| Core capital (leverage) ratio | 13.7194% | 924 |
| Tier 1 risk-based capital ratio | 25.7774% | 807 |
| Total risk-based capital ratio | 26.5395% | 838 |
| Memoranda: | ||
| Average total assets | $104,648,750 | 4,530 |
| Average earning assets | $102,734,000 | 4,373 |
| Average equity | $16,306,500 | 3,649 |
| Average total loans | $56,378,000 | 4,647 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4878% | 5,432 |
| Cost of funding earning assets | 0.6756% | 1,336 |
| Net interest margin | 2.8122% | 5,879 |
| Noninterest income to average assets | 0.4121% | 4,153 |
| Noninterest expense to average assets | 5.6135% | 220 |
| Loan and lease loss provision to assets | 0.0974% | 2,404 |
| Net operating income to assets | -2.5438% | 6,615 |
| Return on assets (ROA) | -2.5459% | 6,616 |
| Pretax return on assets | -2.5459% | 6,610 |
| Return on Equity (ROE) | -15.5735% | 6,555 |
| Retained earnings to average equity (ytd only) | -15.5735% | 6,507 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.2436% | 32 |
| Assets per employee ($millions) | 2.7098% | 6,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 5,917 |
| Loan loss allowance to noncurrent loans | 94.4551% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 4,525 |
| Noncurrent loans to loans | 0.8734% | 3,512 |
| Net loans and leases to total assets | 56.1907% | 4,260 |
| Net loans and leases to deposits | 66.3190% | 4,241 |
| Net loans and leases to core deposits | 67.4244% | 4,512 |
| Total domestic deposits to total assets | 84.7279% | 3,625 |
| Equity capital to assets | 14.7176% | 771 |
| Core capital (leverage) ratio | 14.6740% | 660 |
| Tier 1 risk-based capital ratio | 25.4328% | 827 |
| Total risk-based capital ratio | 26.2433% | 859 |
| Memoranda: | ||
| Average total assets | $98,512,330 | 4,715 |
| Average earning assets | $96,506,670 | 4,569 |
| Average equity | $16,104,330 | 3,674 |
| Average total loans | $54,632,000 | 4,730 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4637% | 5,518 |
| Cost of funding earning assets | 0.7040% | 1,222 |
| Net interest margin | 2.7597% | 6,016 |
| Noninterest income to average assets | 0.1686% | 5,966 |
| Noninterest expense to average assets | 5.5706% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.7095% | 6,682 |
| Return on assets (ROA) | -2.7095% | 6,681 |
| Pretax return on assets | -2.7095% | 6,675 |
| Return on Equity (ROE) | -15.7026% | 6,606 |
| Retained earnings to average equity (ytd only) | -15.7026% | 6,476 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 194.6981% | 29 |
| Assets per employee ($millions) | 3.4862% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 5,998 |
| Loan loss allowance to noncurrent loans | 50.7395% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 1.8235% | 1,915 |
| Noncurrent loans to loans | 1.6788% | 2,310 |
| Net loans and leases to total assets | 53.1814% | 4,526 |
| Net loans and leases to deposits | 64.1182% | 4,301 |
| Net loans and leases to core deposits | 65.2989% | 4,570 |
| Total domestic deposits to total assets | 82.9428% | 4,622 |
| Equity capital to assets | 16.5029% | 459 |
| Core capital (leverage) ratio | 16.5046% | 419 |
| Tier 1 risk-based capital ratio | 30.0915% | 524 |
| Total risk-based capital ratio | 30.9245% | 532 |
| Memoranda: | ||
| Average total assets | $94,927,000 | 4,844 |
| Average earning assets | $92,618,500 | 4,710 |
| Average equity | $16,379,500 | 3,636 |
| Average total loans | $52,009,000 | 4,866 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8254% | 6,483 |
| Cost of funding earning assets | 0.7468% | 1,515 |
| Net interest margin | 2.0786% | 6,629 |
| Noninterest income to average assets | 0.1957% | 5,915 |
| Noninterest expense to average assets | 4.9998% | 350 |
| Loan and lease loss provision to assets | 0.0587% | 3,966 |
| Net operating income to assets | -2.8441% | 6,756 |
| Return on assets (ROA) | -2.8602% | 6,755 |
| Pretax return on assets | -2.8544% | 6,754 |
| Return on Equity (ROE) | -13.8534% | 6,625 |
| Retained earnings to average equity (ytd only) | -13.8534% | 6,596 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 225.1944% | 19 |
| Assets per employee ($millions) | 3.5477% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 6,028 |
| Loan loss allowance to noncurrent loans | 40.5823% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 2.1682% | 1,648 |
| Noncurrent loans to loans | 2.1274% | 1,850 |
| Net loans and leases to total assets | 55.5219% | 4,382 |
| Net loans and leases to deposits | 68.2171% | 4,018 |
| Net loans and leases to core deposits | 69.5710% | 4,328 |
| Total domestic deposits to total assets | 81.3901% | 5,071 |
| Equity capital to assets | 18.0505% | 318 |
| Core capital (leverage) ratio | 18.1437% | 292 |
| Tier 1 risk-based capital ratio | 32.3587% | 420 |
| Total risk-based capital ratio | 33.2200% | 426 |
| Memoranda: | ||
| Average total assets | $86,883,000 | 5,052 |
| Average earning assets | $84,624,800 | 4,918 |
| Average equity | $17,937,800 | 3,426 |
| Average total loans | $41,572,000 | 5,282 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7345% | 6,611 |
| Cost of funding earning assets | 0.7344% | 1,712 |
| Net interest margin | 2.0001% | 6,726 |
| Noninterest income to average assets | 0.1901% | 6,051 |
| Noninterest expense to average assets | 4.8707% | 371 |
| Loan and lease loss provision to assets | 0.0795% | 3,468 |
| Net operating income to assets | -2.8195% | 6,841 |
| Return on assets (ROA) | -2.8398% | 6,842 |
| Pretax return on assets | -2.8320% | 6,839 |
| Return on Equity (ROE) | -13.3040% | 6,721 |
| Retained earnings to average equity (ytd only) | -13.3040% | 6,687 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 227.7697% | 22 |
| Assets per employee ($millions) | 3.9515% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 6,076 |
| Loan loss allowance to noncurrent loans | 40.0359% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 2.1247% | 1,875 |
| Noncurrent loans to loans | 2.2249% | 1,984 |
| Net loans and leases to total assets | 52.3251% | 4,837 |
| Net loans and leases to deposits | 64.4907% | 4,466 |
| Net loans and leases to core deposits | 65.8724% | 4,727 |
| Total domestic deposits to total assets | 81.1359% | 5,180 |
| Equity capital to assets | 18.2895% | 305 |
| Core capital (leverage) ratio | 18.3515% | 281 |
| Tier 1 risk-based capital ratio | 34.3490% | 358 |
| Total risk-based capital ratio | 35.2286% | 365 |
| Memoranda: | ||
| Average total assets | $85,543,500 | 5,141 |
| Average earning assets | $83,327,500 | 4,991 |
| Average equity | $18,259,750 | 3,411 |
| Average total loans | $39,050,000 | 5,441 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5085% | 6,729 |
| Cost of funding earning assets | 0.7281% | 1,859 |
| Net interest margin | 1.7804% | 6,819 |
| Noninterest income to average assets | 0.1819% | 6,117 |
| Noninterest expense to average assets | 5.1209% | 325 |
| Loan and lease loss provision to assets | 0.1237% | 2,774 |
| Net operating income to assets | -3.3428% | 6,906 |
| Return on assets (ROA) | -3.3743% | 6,908 |
| Pretax return on assets | -3.3622% | 6,901 |
| Return on Equity (ROE) | -14.9855% | 6,798 |
| Retained earnings to average equity (ytd only) | -14.9855% | 6,762 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 267.5539% | 17 |
| Assets per employee ($millions) | 3.5829% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 5,678 |
| Loan loss allowance to noncurrent loans | 39.3645% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 2.3654% | 1,812 |
| Noncurrent loans to loans | 2.6362% | 1,738 |
| Net loans and leases to total assets | 49.4621% | 5,165 |
| Net loans and leases to deposits | 62.9125% | 4,638 |
| Net loans and leases to core deposits | 64.4483% | 4,846 |
| Total domestic deposits to total assets | 78.6205% | 5,870 |
| Equity capital to assets | 20.7608% | 175 |
| Core capital (leverage) ratio | 20.7580% | 153 |
| Tier 1 risk-based capital ratio | 35.0696% | 336 |
| Total risk-based capital ratio | 35.9459% | 343 |
| Memoranda: | ||
| Average total assets | $82,446,000 | 5,263 |
| Average earning assets | $80,208,000 | 5,113 |
| Average equity | $18,564,670 | 3,389 |
| Average total loans | $35,377,000 | 5,605 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1796% | 6,898 |
| Cost of funding earning assets | 0.7299% | 1,994 |
| Net interest margin | 1.4497% | 6,940 |
| Noninterest income to average assets | 0.1735% | 6,218 |
| Noninterest expense to average assets | 5.5879% | 255 |
| Loan and lease loss provision to assets | 0.2529% | 1,418 |
| Net operating income to assets | -4.2591% | 6,986 |
| Return on assets (ROA) | -4.3235% | 6,988 |
| Pretax return on assets | -4.3235% | 6,987 |
| Return on Equity (ROE) | -18.4345% | 6,887 |
| Retained earnings to average equity (ytd only) | -18.4345% | 6,813 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 353.2915% | 12 |
| Assets per employee ($millions) | 3.2242% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 4,328 |
| Loan loss allowance to noncurrent loans | 38.5813% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 2.5520% | 1,796 |
| Noncurrent loans to loans | 3.5795% | 1,332 |
| Net loans and leases to total assets | 39.5124% | 6,033 |
| Net loans and leases to deposits | 51.9415% | 5,624 |
| Net loans and leases to core deposits | 53.3395% | 5,722 |
| Total domestic deposits to total assets | 76.0710% | 6,357 |
| Equity capital to assets | 23.0370% | 128 |
| Core capital (leverage) ratio | 22.8437% | 114 |
| Tier 1 risk-based capital ratio | 48.7771% | 141 |
| Total risk-based capital ratio | 49.9615% | 140 |
| Memoranda: | ||
| Average total assets | $80,674,500 | 5,342 |
| Average earning assets | $78,363,000 | 5,199 |
| Average equity | $18,921,000 | 3,389 |
| Average total loans | $31,576,500 | 5,817 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5185% | 6,934 |
| Cost of funding earning assets | 0.8148% | 2,546 |
| Net interest margin | 1.7037% | 6,977 |
| Noninterest income to average assets | 0.0751% | 6,601 |
| Noninterest expense to average assets | 4.5660% | 543 |
| Loan and lease loss provision to assets | 0.1956% | 3,187 |
| Net operating income to assets | -3.0207% | 7,008 |
| Return on assets (ROA) | -3.0660% | 7,015 |
| Pretax return on assets | -3.0660% | 7,017 |
| Return on Equity (ROE) | -11.4624% | 6,755 |
| Retained earnings to average equity (ytd only) | -11.4624% | 6,683 |
| Net charge-offs to loans | -0.0395% | 6,665 |
| Credit loss provision to net charge-offs | -1,677.7778% | 6,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 262.2768% | 20 |
| Assets per employee ($millions) | 3.3643% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 4,739 |
| Loan loss allowance to noncurrent loans | 56.7529% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.9779% | 2,481 |
| Noncurrent loans to loans | 2.2555% | 2,398 |
| Net loans and leases to total assets | 37.7279% | 6,324 |
| Net loans and leases to deposits | 49.9418% | 5,961 |
| Net loans and leases to core deposits | 51.4100% | 6,058 |
| Total domestic deposits to total assets | 75.5437% | 6,407 |
| Equity capital to assets | 23.8693% | 110 |
| Core capital (leverage) ratio | 23.6433% | 106 |
| Tier 1 risk-based capital ratio | 47.8554% | 149 |
| Total risk-based capital ratio | 48.8485% | 151 |
| Memoranda: | ||
| Average total assets | $77,201,800 | 5,424 |
| Average earning assets | $75,480,600 | 5,260 |
| Average equity | $20,650,200 | 3,128 |
| Average total loans | $22,782,800 | 6,306 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4584% | 7,060 |
| Cost of funding earning assets | 0.8135% | 2,837 |
| Net interest margin | 1.6449% | 7,095 |
| Noninterest income to average assets | 0.0542% | 6,787 |
| Noninterest expense to average assets | 4.0427% | 887 |
| Loan and lease loss provision to assets | 0.2638% | 2,464 |
| Net operating income to assets | -2.6416% | 7,097 |
| Return on assets (ROA) | -2.6957% | 7,105 |
| Pretax return on assets | -2.6957% | 7,096 |
| Return on Equity (ROE) | -9.7991% | 6,854 |
| Retained earnings to average equity (ytd only) | -9.7991% | 6,806 |
| Net charge-offs to loans | -0.0578% | 6,743 |
| Credit loss provision to net charge-offs | -1,677.7778% | 6,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 242.8122% | 24 |
| Assets per employee ($millions) | 3.6866% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 2,994 |
| Loan loss allowance to noncurrent loans | 43.8402% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 2.2218% | 2,408 |
| Noncurrent loans to loans | 3.9695% | 1,301 |
| Net loans and leases to total assets | 27.4989% | 6,892 |
| Net loans and leases to deposits | 36.8395% | 6,792 |
| Net loans and leases to core deposits | 38.1248% | 6,807 |
| Total domestic deposits to total assets | 74.6452% | 6,546 |
| Equity capital to assets | 24.8283% | 112 |
| Core capital (leverage) ratio | 24.5679% | 100 |
| Tier 1 risk-based capital ratio | 60.3942% | 94 |
| Total risk-based capital ratio | 61.5955% | 94 |
| Memoranda: | ||
| Average total assets | $76,316,250 | 5,506 |
| Average earning assets | $74,735,750 | 5,337 |
| Average equity | $20,994,500 | 3,116 |
| Average total loans | $20,764,000 | 6,476 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6462% | 7,090 |
| Cost of funding earning assets | 0.8148% | 3,076 |
| Net interest margin | 1.8313% | 7,146 |
| Noninterest income to average assets | 0.0562% | 6,836 |
| Noninterest expense to average assets | 3.7500% | 1,294 |
| Loan and lease loss provision to assets | 0.3667% | 1,789 |
| Net operating income to assets | -2.2618% | 7,101 |
| Return on assets (ROA) | -2.3153% | 7,118 |
| Pretax return on assets | -2.3153% | 7,102 |
| Return on Equity (ROE) | -8.1296% | 6,866 |
| Retained earnings to average equity (ytd only) | -8.1296% | 6,774 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.1645% | 38 |
| Assets per employee ($millions) | 4.0782% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 3,465 |
| Loan loss allowance to noncurrent loans | 25.1012% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 1.9126% | 2,890 |
| Noncurrent loans to loans | 6.5286% | 641 |
| Net loans and leases to total assets | 28.8159% | 6,912 |
| Net loans and leases to deposits | 39.8494% | 6,734 |
| Net loans and leases to core deposits | 41.2481% | 6,765 |
| Total domestic deposits to total assets | 72.3121% | 6,785 |
| Equity capital to assets | 26.8529% | 81 |
| Core capital (leverage) ratio | 26.5972% | 80 |
| Tier 1 risk-based capital ratio | 67.0530% | 80 |
| Total risk-based capital ratio | 68.2676% | 78 |
| Memoranda: | ||
| Average total assets | $74,720,000 | 5,585 |
| Average earning assets | $73,388,670 | 5,420 |
| Average equity | $21,280,330 | 3,076 |
| Average total loans | $20,119,330 | 6,556 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6124% | 7,154 |
| Cost of funding earning assets | 0.8171% | 3,333 |
| Net interest margin | 1.7954% | 7,203 |
| Noninterest income to average assets | 0.0600% | 6,898 |
| Noninterest expense to average assets | 3.2889% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.4672% | 7,085 |
| Return on assets (ROA) | -1.5708% | 7,109 |
| Pretax return on assets | -1.5708% | 7,088 |
| Return on Equity (ROE) | -5.3539% | 6,862 |
| Retained earnings to average equity (ytd only) | -5.3539% | 6,603 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.5389% | 56 |
| Assets per employee ($millions) | 4.1780% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 5,048 |
| Loan loss allowance to noncurrent loans | 5.5307% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 5.6500% | 858 |
| Noncurrent loans to loans | 23.4040% | 26 |
| Net loans and leases to total assets | 23.8285% | 7,085 |
| Net loans and leases to deposits | 33.4741% | 6,969 |
| Net loans and leases to core deposits | 34.7018% | 6,975 |
| Total domestic deposits to total assets | 71.1850% | 6,926 |
| Equity capital to assets | 28.4107% | 70 |
| Core capital (leverage) ratio | 28.1681% | 70 |
| Tier 1 risk-based capital ratio | 78.6001% | 56 |
| Total risk-based capital ratio | 79.4751% | 56 |
| Memoranda: | ||
| Average total assets | $73,337,500 | 5,670 |
| Average earning assets | $71,963,500 | 5,498 |
| Average equity | $21,517,000 | 3,038 |
| Average total loans | $18,829,000 | 6,665 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 7,031 |
| Cost of funding earning assets | 1.0667% | 2,906 |
| Net interest margin | 2.3698% | 7,114 |
| Noninterest income to average assets | 0.1009% | 6,636 |
| Noninterest expense to average assets | 3.6778% | 1,579 |
| Loan and lease loss provision to assets | 0.9720% | 984 |
| Net operating income to assets | -3.4625% | 7,222 |
| Return on assets (ROA) | -3.7316% | 7,244 |
| Pretax return on assets | -2.5242% | 7,124 |
| Return on Equity (ROE) | -21.0037% | 6,997 |
| Retained earnings to average equity (ytd only) | -21.0037% | 6,983 |
| Net charge-offs to loans | 2.2345% | 568 |
| Credit loss provision to net charge-offs | 101.7606% | 3,413 |
| Earnings coverage of net charge-offs (x) | -1.3433% | 6,236 |
| Efficiency ratio | 153.5815% | 133 |
| Assets per employee ($millions) | 3.7616% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 5,365 |
| Loan loss allowance to noncurrent loans | 5.4537% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 6.0290% | 812 |
| Noncurrent loans to loans | 22.0940% | 36 |
| Net loans and leases to total assets | 26.9592% | 7,091 |
| Net loans and leases to deposits | 38.9300% | 6,926 |
| Net loans and leases to core deposits | 39.9826% | 6,947 |
| Total domestic deposits to total assets | 69.2505% | 7,023 |
| Equity capital to assets | 30.3172% | 66 |
| Core capital (leverage) ratio | 30.1482% | 63 |
| Tier 1 risk-based capital ratio | 77.3828% | 58 |
| Total risk-based capital ratio | 78.2326% | 58 |
| Memoranda: | ||
| Average total assets | $59,465,200 | 6,058 |
| Average earning assets | $57,558,200 | 5,941 |
| Average equity | $10,564,800 | 4,891 |
| Average total loans | $25,419,800 | 6,399 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 7,005 |
| Cost of funding earning assets | 1.1289% | 2,774 |
| Net interest margin | 2.4856% | 7,138 |
| Noninterest income to average assets | 0.1086% | 6,711 |
| Noninterest expense to average assets | 3.5633% | 1,787 |
| Loan and lease loss provision to assets | 1.2184% | 637 |
| Net operating income to assets | -3.9718% | 7,330 |
| Return on assets (ROA) | -4.2835% | 7,353 |
| Pretax return on assets | -2.5880% | 7,225 |
| Return on Equity (ROE) | -31.0516% | 7,200 |
| Retained earnings to average equity (ytd only) | -31.0516% | 7,193 |
| Net charge-offs to loans | 2.5081% | 433 |
| Credit loss provision to net charge-offs | 101.9763% | 3,280 |
| Earnings coverage of net charge-offs (x) | -0.8854% | 5,917 |
| Efficiency ratio | 142.2243% | 172 |
| Assets per employee ($millions) | 4.7277% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 6,044 |
| Loan loss allowance to noncurrent loans | 3.8480% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 8.6117% | 476 |
| Noncurrent loans to loans | 27.3158% | 21 |
| Net loans and leases to total assets | 31.1951% | 7,048 |
| Net loans and leases to deposits | 45.5326% | 6,756 |
| Net loans and leases to core deposits | 47.2198% | 6,795 |
| Total domestic deposits to total assets | 68.5116% | 7,115 |
| Equity capital to assets | 31.1175% | 72 |
| Core capital (leverage) ratio | 30.9568% | 69 |
| Tier 1 risk-based capital ratio | 73.4555% | 74 |
| Total risk-based capital ratio | 74.2471% | 74 |
| Memoranda: | ||
| Average total assets | $56,463,750 | 6,200 |
| Average earning assets | $54,446,250 | 6,085 |
| Average equity | $7,789,000 | 5,662 |
| Average total loans | $26,899,000 | 6,359 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 5,620 |
| Cost of funding earning assets | 1.2525% | 2,238 |
| Net interest margin | 3.1677% | 6,244 |
| Noninterest income to average assets | 0.1162% | 6,754 |
| Noninterest expense to average assets | 3.6750% | 1,574 |
| Loan and lease loss provision to assets | 1.8588% | 351 |
| Net operating income to assets | -5.1620% | 7,442 |
| Return on assets (ROA) | -5.4989% | 7,453 |
| Pretax return on assets | -2.7185% | 7,276 |
| Return on Equity (ROE) | -93.7396% | 7,434 |
| Retained earnings to average equity (ytd only) | -93.7396% | 7,432 |
| Net charge-offs to loans | 3.3083% | 285 |
| Credit loss provision to net charge-offs | 102.1277% | 3,030 |
| Earnings coverage of net charge-offs (x) | -0.2872% | 5,448 |
| Efficiency ratio | 116.5848% | 382 |
| Assets per employee ($millions) | 3.6421% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 6,596 |
| Loan loss allowance to noncurrent loans | 3.1908% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 14.4443% | 162 |
| Noncurrent loans to loans | 28.9084% | 18 |
| Net loans and leases to total assets | 49.5048% | 5,886 |
| Net loans and leases to deposits | 52.0539% | 6,468 |
| Net loans and leases to core deposits | 53.4833% | 6,592 |
| Total domestic deposits to total assets | 95.1029% | 48 |
| Equity capital to assets | 4.5814% | 7,349 |
| Core capital (leverage) ratio | 4.3262% | 7,356 |
| Tier 1 risk-based capital ratio | 8.3995% | 7,220 |
| Total risk-based capital ratio | 9.2967% | 7,246 |
| Memoranda: | ||
| Average total assets | $51,646,670 | 6,424 |
| Average earning assets | $49,500,330 | 6,316 |
| Average equity | $3,029,670 | 7,119 |
| Average total loans | $28,413,000 | 6,348 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3528% | 5,840 |
| Cost of funding earning assets | 1.2575% | 2,455 |
| Net interest margin | 3.0953% | 6,363 |
| Noninterest income to average assets | 0.1077% | 6,871 |
| Noninterest expense to average assets | 3.6787% | 1,576 |
| Loan and lease loss provision to assets | 3.6940% | 121 |
| Net operating income to assets | -4.3097% | 7,459 |
| Return on assets (ROA) | -4.8177% | 7,485 |
| Pretax return on assets | -4.8177% | 7,476 |
| Return on Equity (ROE) | -74.1596% | 7,474 |
| Retained earnings to average equity (ytd only) | -74.1596% | 7,467 |
| Net charge-offs to loans | 6.2916% | 101 |
| Credit loss provision to net charge-offs | 102.1277% | 2,592 |
| Earnings coverage of net charge-offs (x) | -0.1702% | 4,678 |
| Efficiency ratio | 120.1005% | 342 |
| Assets per employee ($millions) | 3.6982% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 6,882 |
| Loan loss allowance to noncurrent loans | 2.9393% | 7,057 |
| Noncurrent assets plus other real estate owned to assets | 15.5075% | 146 |
| Noncurrent loans to loans | 27.7063% | 20 |
| Net loans and leases to total assets | 55.5152% | 5,073 |
| Net loans and leases to deposits | 59.1371% | 5,806 |
| Net loans and leases to core deposits | 60.4340% | 6,061 |
| Total domestic deposits to total assets | 93.8754% | 83 |
| Equity capital to assets | 5.9005% | 7,296 |
| Core capital (leverage) ratio | 5.7895% | 7,285 |
| Tier 1 risk-based capital ratio | 9.8568% | 7,051 |
| Total risk-based capital ratio | 10.6337% | 7,172 |
| Memoranda: | ||
| Average total assets | $51,975,500 | 6,456 |
| Average earning assets | $49,623,500 | 6,350 |
| Average equity | $3,376,500 | 7,054 |
| Average total loans | $29,881,000 | 6,340 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1581% | 3,812 |
| Cost of funding earning assets | 1.8940% | 859 |
| Net interest margin | 3.2640% | 6,090 |
| Noninterest income to average assets | 0.7182% | 2,729 |
| Noninterest expense to average assets | 3.1391% | 3,311 |
| Loan and lease loss provision to assets | 3.1694% | 281 |
| Net operating income to assets | -2.4681% | 7,167 |
| Return on assets (ROA) | -2.5440% | 7,210 |
| Pretax return on assets | -2.5372% | 7,177 |
| Return on Equity (ROE) | -33.2599% | 7,269 |
| Retained earnings to average equity (ytd only) | -33.2599% | 7,259 |
| Net charge-offs to loans | 5.5573% | 124 |
| Credit loss provision to net charge-offs | 94.3775% | 4,924 |
| Earnings coverage of net charge-offs (x) | 0.2108% | 5,894 |
| Efficiency ratio | 81.5951% | 2,213 |
| Assets per employee ($millions) | 3.7269% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 7,079 |
| Loan loss allowance to noncurrent loans | 2.7887% | 7,137 |
| Noncurrent assets plus other real estate owned to assets | 15.5320% | 147 |
| Noncurrent loans to loans | 26.3262% | 31 |
| Net loans and leases to total assets | 58.5652% | 4,945 |
| Net loans and leases to deposits | 63.0965% | 5,733 |
| Net loans and leases to core deposits | 64.4826% | 6,015 |
| Total domestic deposits to total assets | 92.8185% | 155 |
| Equity capital to assets | 7.0875% | 7,083 |
| Core capital (leverage) ratio | 6.9484% | 7,047 |
| Tier 1 risk-based capital ratio | 10.8676% | 6,432 |
| Total risk-based capital ratio | 11.5461% | 6,799 |
| Memoranda: | ||
| Average total assets | $59,316,400 | 6,233 |
| Average earning assets | $56,862,400 | 6,104 |
| Average equity | $4,537,000 | 6,802 |
| Average total loans | $35,844,600 | 6,121 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 3,330 |
| Cost of funding earning assets | 1.9450% | 894 |
| Net interest margin | 3.3600% | 5,803 |
| Noninterest income to average assets | 0.8969% | 1,810 |
| Noninterest expense to average assets | 3.0178% | 3,677 |
| Loan and lease loss provision to assets | 3.0331% | 284 |
| Net operating income to assets | -1.9312% | 7,220 |
| Return on assets (ROA) | -1.9901% | 7,251 |
| Pretax return on assets | -1.9901% | 7,195 |
| Return on Equity (ROE) | -25.6169% | 7,324 |
| Retained earnings to average equity (ytd only) | -25.6169% | 7,315 |
| Net charge-offs to loans | 5.4000% | 142 |
| Credit loss provision to net charge-offs | 92.4817% | 4,674 |
| Earnings coverage of net charge-offs (x) | 0.3360% | 5,693 |
| Efficiency ratio | 73.2521% | 3,475 |
| Assets per employee ($millions) | 4.2331% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6852% | 7,217 |
| Loan loss allowance to noncurrent loans | 3.2998% | 7,245 |
| Noncurrent assets plus other real estate owned to assets | 11.5570% | 296 |
| Noncurrent loans to loans | 20.7640% | 68 |
| Net loans and leases to total assets | 55.2773% | 5,660 |
| Net loans and leases to deposits | 59.8567% | 6,327 |
| Net loans and leases to core deposits | 59.8567% | 6,618 |
| Total domestic deposits to total assets | 92.3494% | 143 |
| Equity capital to assets | 7.5629% | 7,086 |
| Core capital (leverage) ratio | 6.9727% | 7,183 |
| Tier 1 risk-based capital ratio | 11.2229% | 6,168 |
| Total risk-based capital ratio | 12.0128% | 6,564 |
| Memoranda: | ||
| Average total assets | $61,101,500 | 6,227 |
| Average earning assets | $58,610,000 | 6,105 |
| Average equity | $4,746,750 | 6,828 |
| Average total loans | $37,110,000 | 6,139 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7446% | 1,570 |
| Cost of funding earning assets | 1.9880% | 938 |
| Net interest margin | 3.7566% | 4,103 |
| Noninterest income to average assets | 1.2801% | 781 |
| Noninterest expense to average assets | 3.0106% | 3,675 |
| Loan and lease loss provision to assets | 4.0153% | 189 |
| Net operating income to assets | -2.1389% | 7,340 |
| Return on assets (ROA) | -2.1681% | 7,353 |
| Pretax return on assets | -2.1681% | 7,284 |
| Return on Equity (ROE) | -27.6732% | 7,402 |
| Retained earnings to average equity (ytd only) | -27.6732% | 7,387 |
| Net charge-offs to loans | 6.7819% | 93 |
| Credit loss provision to net charge-offs | 94.9425% | 4,260 |
| Earnings coverage of net charge-offs (x) | 0.4437% | 5,276 |
| Efficiency ratio | 61.6048% | 5,755 |
| Assets per employee ($millions) | 4.3044% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 7,055 |
| Loan loss allowance to noncurrent loans | 4.6654% | 7,310 |
| Noncurrent assets plus other real estate owned to assets | 9.7459% | 430 |
| Noncurrent loans to loans | 16.9456% | 131 |
| Net loans and leases to total assets | 57.0585% | 5,554 |
| Net loans and leases to deposits | 61.9163% | 6,243 |
| Net loans and leases to core deposits | 61.9163% | 6,560 |
| Total domestic deposits to total assets | 92.1541% | 197 |
| Equity capital to assets | 7.7579% | 6,959 |
| Core capital (leverage) ratio | 7.2825% | 7,006 |
| Tier 1 risk-based capital ratio | 10.5781% | 6,623 |
| Total risk-based capital ratio | 11.3825% | 6,924 |
| Memoranda: | ||
| Average total assets | $61,714,330 | 6,244 |
| Average earning assets | $59,255,670 | 6,130 |
| Average equity | $4,835,000 | 6,831 |
| Average total loans | $38,485,000 | 6,116 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3023% | 3,540 |
| Cost of funding earning assets | 2.0716% | 883 |
| Net interest margin | 3.2307% | 6,192 |
| Noninterest income to average assets | 2.4407% | 263 |
| Noninterest expense to average assets | 3.0941% | 3,284 |
| Loan and lease loss provision to assets | 6.4509% | 102 |
| Net operating income to assets | -3.9974% | 7,715 |
| Return on assets (ROA) | -4.0102% | 7,718 |
| Pretax return on assets | -4.0102% | 7,690 |
| Return on Equity (ROE) | -50.9461% | 7,710 |
| Retained earnings to average equity (ytd only) | -50.9461% | 7,700 |
| Net charge-offs to loans | 10.3568% | 50 |
| Credit loss provision to net charge-offs | 96.2715% | 3,516 |
| Earnings coverage of net charge-offs (x) | 0.3662% | 4,711 |
| Efficiency ratio | 55.7737% | 6,795 |
| Assets per employee ($millions) | 4.3148% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 7,185 |
| Loan loss allowance to noncurrent loans | 4.0043% | 7,391 |
| Noncurrent assets plus other real estate owned to assets | 12.3612% | 239 |
| Noncurrent loans to loans | 19.3691% | 89 |
| Net loans and leases to total assets | 63.3238% | 4,463 |
| Net loans and leases to deposits | 68.5041% | 5,534 |
| Net loans and leases to core deposits | 68.5041% | 6,055 |
| Total domestic deposits to total assets | 92.4380% | 172 |
| Equity capital to assets | 7.4296% | 7,120 |
| Core capital (leverage) ratio | 7.4955% | 6,855 |
| Tier 1 risk-based capital ratio | 10.4173% | 6,707 |
| Total risk-based capital ratio | 11.2151% | 7,042 |
| Memoranda: | ||
| Average total assets | $62,441,000 | 6,290 |
| Average earning assets | $60,049,000 | 6,168 |
| Average equity | $4,915,000 | 6,872 |
| Average total loans | $40,398,500 | 6,104 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1310% | 1,434 |
| Cost of funding earning assets | 2.7753% | 480 |
| Net interest margin | 3.3557% | 5,539 |
| Noninterest income to average assets | 0.1161% | 7,179 |
| Noninterest expense to average assets | 2.5982% | 5,802 |
| Loan and lease loss provision to assets | 0.3998% | 4,414 |
| Net operating income to assets | 0.1791% | 4,966 |
| Return on assets (ROA) | -7.7345% | 7,918 |
| Pretax return on assets | -7.5310% | 7,895 |
| Return on Equity (ROE) | -99.8520% | 7,927 |
| Retained earnings to average equity (ytd only) | -99.8520% | 7,927 |
| Net charge-offs to loans | 0.6862% | 3,130 |
| Credit loss provision to net charge-offs | 91.7763% | 5,943 |
| Earnings coverage of net charge-offs (x) | 1.7961% | 4,376 |
| Efficiency ratio | 76.8546% | 3,380 |
| Assets per employee ($millions) | 4.6054% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 7,123 |
| Loan loss allowance to noncurrent loans | 4.8311% | 7,420 |
| Noncurrent assets plus other real estate owned to assets | 10.8833% | 315 |
| Noncurrent loans to loans | 16.6099% | 124 |
| Net loans and leases to total assets | 64.9973% | 4,373 |
| Net loans and leases to deposits | 70.9603% | 5,477 |
| Net loans and leases to core deposits | 93.2988% | 4,747 |
| Total domestic deposits to total assets | 91.5967% | 350 |
| Equity capital to assets | 8.2854% | 6,217 |
| Core capital (leverage) ratio | 7.9499% | 6,260 |
| Tier 1 risk-based capital ratio | 10.6422% | 6,257 |
| Total risk-based capital ratio | 11.4529% | 6,651 |
| Memoranda: | ||
| Average total assets | $69,778,200 | 6,012 |
| Average earning assets | $67,884,600 | 5,872 |
| Average equity | $5,405,000 | 6,802 |
| Average total loans | $44,303,200 | 5,916 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3070% | 1,122 |
| Cost of funding earning assets | 3.0054% | 327 |
| Net interest margin | 3.3017% | 5,634 |
| Noninterest income to average assets | 0.1219% | 7,282 |
| Noninterest expense to average assets | 2.5727% | 5,816 |
| Loan and lease loss provision to assets | 0.3488% | 4,236 |
| Net operating income to assets | 0.2025% | 5,146 |
| Return on assets (ROA) | -10.1708% | 8,047 |
| Pretax return on assets | -9.9551% | 8,042 |
| Return on Equity (ROE) | -133.4100% | 8,052 |
| Retained earnings to average equity (ytd only) | -133.4100% | 8,051 |
| Net charge-offs to loans | 0.5623% | 2,996 |
| Credit loss provision to net charge-offs | 98.4127% | 5,199 |
| Earnings coverage of net charge-offs (x) | 2.1641% | 4,206 |
| Efficiency ratio | 77.0354% | 3,315 |
| Assets per employee ($millions) | 4.6266% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 7,119 |
| Loan loss allowance to noncurrent loans | 11.4376% | 7,421 |
| Noncurrent assets plus other real estate owned to assets | 4.8863% | 1,206 |
| Noncurrent loans to loans | 6.9932% | 769 |
| Net loans and leases to total assets | 69.3128% | 3,651 |
| Net loans and leases to deposits | 75.6768% | 5,100 |
| Net loans and leases to core deposits | 97.4729% | 4,665 |
| Total domestic deposits to total assets | 91.5906% | 244 |
| Equity capital to assets | 8.2967% | 6,508 |
| Core capital (leverage) ratio | 7.9114% | 6,487 |
| Tier 1 risk-based capital ratio | 9.7785% | 7,158 |
| Total risk-based capital ratio | 10.5775% | 7,463 |
| Memoranda: | ||
| Average total assets | $71,104,000 | 6,007 |
| Average earning assets | $69,296,500 | 5,868 |
| Average equity | $5,420,750 | 6,868 |
| Average total loans | $44,817,500 | 5,931 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2799% | 1,259 |
| Cost of funding earning assets | 3.2787% | 221 |
| Net interest margin | 3.0013% | 6,549 |
| Noninterest income to average assets | 0.1202% | 7,387 |
| Noninterest expense to average assets | 2.5651% | 5,884 |
| Loan and lease loss provision to assets | 0.4944% | 3,065 |
| Net operating income to assets | -0.1912% | 6,172 |
| Return on assets (ROA) | -15.2074% | 8,158 |
| Pretax return on assets | -15.0298% | 8,159 |
| Return on Equity (ROE) | -204.8073% | 8,149 |
| Retained earnings to average equity (ytd only) | -204.8073% | 8,148 |
| Net charge-offs to loans | 0.8462% | 1,999 |
| Credit loss provision to net charge-offs | 95.7672% | 4,746 |
| Earnings coverage of net charge-offs (x) | 0.9312% | 4,835 |
| Efficiency ratio | 84.2152% | 2,457 |
| Assets per employee ($millions) | 4.9705% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 7,181 |
| Loan loss allowance to noncurrent loans | 24.3852% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 2.1038% | 3,056 |
| Noncurrent loans to loans | 3.2491% | 2,185 |
| Net loans and leases to total assets | 64.2376% | 4,934 |
| Net loans and leases to deposits | 69.3835% | 6,053 |
| Net loans and leases to core deposits | 90.6622% | 5,479 |
| Total domestic deposits to total assets | 92.5834% | 135 |
| Equity capital to assets | 7.1996% | 7,481 |
| Core capital (leverage) ratio | 7.1356% | 7,422 |
| Tier 1 risk-based capital ratio | 9.7746% | 7,162 |
| Total risk-based capital ratio | 10.4779% | 7,577 |
| Memoranda: | ||
| Average total assets | $73,214,330 | 5,996 |
| Average earning assets | $71,370,000 | 5,841 |
| Average equity | $5,436,330 | 6,919 |
| Average total loans | $44,670,670 | 5,995 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4015% | 1,063 |
| Cost of funding earning assets | 3.3839% | 211 |
| Net interest margin | 3.0176% | 6,433 |
| Noninterest income to average assets | 0.1173% | 7,438 |
| Noninterest expense to average assets | 2.3138% | 6,491 |
| Loan and lease loss provision to assets | 0.9596% | 1,353 |
| Net operating income to assets | -0.5225% | 6,896 |
| Return on assets (ROA) | -29.0665% | 8,230 |
| Pretax return on assets | -28.7573% | 8,230 |
| Return on Equity (ROE) | -386.0165% | 8,227 |
| Retained earnings to average equity (ytd only) | -386.0165% | 8,227 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6098% | 3,548 |
| Assets per employee ($millions) | 5.3924% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 4,636 |
| Loan loss allowance to noncurrent loans | 33.1102% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 2.1764% | 2,631 |
| Noncurrent loans to loans | 3.6957% | 1,694 |
| Net loans and leases to total assets | 58.1683% | 5,914 |
| Net loans and leases to deposits | 62.6872% | 6,680 |
| Net loans and leases to core deposits | 83.4229% | 6,101 |
| Total domestic deposits to total assets | 92.7914% | 99 |
| Equity capital to assets | 6.9768% | 7,694 |
| Core capital (leverage) ratio | 6.7396% | 7,786 |
| Tier 1 risk-based capital ratio | 8.6743% | 7,912 |
| Total risk-based capital ratio | 9.6041% | 8,003 |
| Memoranda: | ||
| Average total assets | $75,028,000 | 5,973 |
| Average earning assets | $73,170,000 | 5,807 |
| Average equity | $5,649,500 | 6,899 |
| Average total loans | $44,477,000 | 6,044 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4066% | 3,382 |
| Cost of funding earning assets | 3.5913% | 399 |
| Net interest margin | 2.8153% | 7,304 |
| Noninterest income to average assets | 0.1233% | 7,502 |
| Noninterest expense to average assets | 2.2760% | 6,771 |
| Loan and lease loss provision to assets | 0.0229% | 7,109 |
| Net operating income to assets | 0.3192% | 5,482 |
| Return on assets (ROA) | 0.3217% | 5,290 |
| Pretax return on assets | 0.5823% | 4,749 |
| Return on Equity (ROE) | 4.4486% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.4486% | 2,359 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0985% | 2,738 |
| Assets per employee ($millions) | 4.9709% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 7,034 |
| Loan loss allowance to noncurrent loans | 14.5484% | 7,412 |
| Noncurrent assets plus other real estate owned to assets | 3.3556% | 1,344 |
| Noncurrent loans to loans | 5.6229% | 697 |
| Net loans and leases to total assets | 59.1889% | 6,026 |
| Net loans and leases to deposits | 64.5682% | 6,749 |
| Net loans and leases to core deposits | 87.1040% | 6,053 |
| Total domestic deposits to total assets | 91.6688% | 181 |
| Equity capital to assets | 8.0898% | 6,714 |
| Core capital (leverage) ratio | 7.9095% | 6,643 |
| Tier 1 risk-based capital ratio | 12.1957% | 4,670 |
| Total risk-based capital ratio | 12.9499% | 4,958 |
| Memoranda: | ||
| Average total assets | $78,648,400 | 5,742 |
| Average earning assets | $76,936,000 | 5,550 |
| Average equity | $5,687,200 | 6,918 |
| Average total loans | $44,466,000 | 5,950 |