Home > Eastern Connecticut Savings Bank > Performance and Condition Ratios
Eastern Connecticut 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 | 4.4994% | 3,098 |
| Cost of funding earning assets | 1.4423% | 2,099 |
| Net interest margin | 3.0571% | 3,170 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 3.2953% | 741 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.0382% | 4,297 |
| Return on assets (ROA) | 0.0382% | 4,325 |
| Pretax return on assets | 0.0316% | 4,319 |
| Return on Equity (ROE) | 0.5500% | 4,299 |
| Retained earnings to average equity (ytd only) | 0.5502% | 3,948 |
| Net charge-offs to loans | 0.0188% | 1,981 |
| Credit loss provision to net charge-offs | 260.8696% | 1,044 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,583 |
| Efficiency ratio | 97.7677% | 222 |
| Assets per employee ($millions) | 4.9648% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 4,101 |
| Loan loss allowance to noncurrent loans | 38.0018% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 208 |
| Noncurrent loans to loans | 1.8796% | 311 |
| Net loans and leases to total assets | 87.7100% | 98 |
| Net loans and leases to deposits | 100.3183% | 518 |
| Net loans and leases to core deposits | 112.5908% | 862 |
| Total domestic deposits to total assets | 87.4300% | 1,547 |
| Equity capital to assets | 6.9910% | 3,942 |
| Core capital (leverage) ratio | 6.9278% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3026% | 2,761 |
| Memoranda: | ||
| Average total assets | $275,123,200 | 2,550 |
| Average earning assets | $256,809,400 | 2,532 |
| Average equity | $19,083,200 | 2,935 |
| Average total loans | $245,228,200 | 2,030 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 2,999 |
| Cost of funding earning assets | 1.3249% | 2,076 |
| Net interest margin | 3.1288% | 3,084 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 3.3478% | 674 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.0759% | 4,335 |
| Return on assets (ROA) | 0.0759% | 4,355 |
| Pretax return on assets | 0.0784% | 4,352 |
| Return on Equity (ROE) | 1.1000% | 4,303 |
| Retained earnings to average equity (ytd only) | 1.0970% | 3,930 |
| Net charge-offs to loans | 0.0254% | 1,564 |
| Credit loss provision to net charge-offs | 191.4894% | 1,153 |
| Earnings coverage of net charge-offs (x) | 5.3617% | 2,350 |
| Efficiency ratio | 96.4868% | 224 |
| Assets per employee ($millions) | 4.8803% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6994% | 4,139 |
| Loan loss allowance to noncurrent loans | 39.0155% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.6056% | 219 |
| Noncurrent loans to loans | 1.7927% | 362 |
| Net loans and leases to total assets | 88.9400% | 58 |
| Net loans and leases to deposits | 102.7955% | 397 |
| Net loans and leases to core deposits | 114.3217% | 716 |
| Total domestic deposits to total assets | 86.5200% | 2,034 |
| Equity capital to assets | 7.0037% | 3,607 |
| Core capital (leverage) ratio | 6.8765% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1801% | 2,791 |
| Memoranda: | ||
| Average total assets | $275,637,500 | 2,555 |
| Average earning assets | $257,215,500 | 2,539 |
| Average equity | $19,081,500 | 2,930 |
| Average total loans | $246,231,250 | 2,023 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 2,921 |
| Cost of funding earning assets | 1.1744% | 2,068 |
| Net interest margin | 3.2100% | 2,963 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 3.3471% | 653 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.0926% | 4,368 |
| Return on assets (ROA) | 0.0926% | 4,402 |
| Pretax return on assets | 0.1035% | 4,392 |
| Return on Equity (ROE) | 1.3400% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.3430% | 3,853 |
| Net charge-offs to loans | 0.0219% | 1,445 |
| Credit loss provision to net charge-offs | 222.2222% | 1,002 |
| Earnings coverage of net charge-offs (x) | 7.5185% | 2,085 |
| Efficiency ratio | 95.7962% | 230 |
| Assets per employee ($millions) | 4.9758% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6929% | 4,197 |
| Loan loss allowance to noncurrent loans | 37.1535% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 205 |
| Noncurrent loans to loans | 1.8651% | 317 |
| Net loans and leases to total assets | 87.5400% | 98 |
| Net loans and leases to deposits | 102.3992% | 415 |
| Net loans and leases to core deposits | 114.5041% | 670 |
| Total domestic deposits to total assets | 85.4900% | 2,394 |
| Equity capital to assets | 6.8590% | 3,867 |
| Core capital (leverage) ratio | 6.7748% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2120% | 2,819 |
| Memoranda: | ||
| Average total assets | $276,417,000 | 2,548 |
| Average earning assets | $258,003,000 | 2,538 |
| Average equity | $19,061,667 | 2,941 |
| Average total loans | $246,716,000 | 2,015 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 2,970 |
| Cost of funding earning assets | 0.9578% | 2,193 |
| Net interest margin | 3.2753% | 2,936 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 3.3461% | 657 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.1540% | 4,398 |
| Return on assets (ROA) | 0.1540% | 4,374 |
| Pretax return on assets | 0.1816% | 4,355 |
| Return on Equity (ROE) | 2.2300% | 4,275 |
| Retained earnings to average equity (ytd only) | 2.2273% | 3,664 |
| Net charge-offs to loans | -0.0016% | 3,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.6941% | 269 |
| Assets per employee ($millions) | 4.7422% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 4,267 |
| Loan loss allowance to noncurrent loans | 38.9372% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.5605% | 199 |
| Noncurrent loans to loans | 1.7545% | 353 |
| Net loans and leases to total assets | 88.3300% | 64 |
| Net loans and leases to deposits | 104.7042% | 288 |
| Net loans and leases to core deposits | 119.8454% | 440 |
| Total domestic deposits to total assets | 84.3700% | 3,006 |
| Equity capital to assets | 6.8230% | 3,902 |
| Core capital (leverage) ratio | 6.9433% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0482% | 2,938 |
| Memoranda: | ||
| Average total assets | $275,304,500 | 2,587 |
| Average earning assets | $256,828,000 | 2,574 |
| Average equity | $19,036,500 | 2,972 |
| Average total loans | $247,263,500 | 2,037 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 1,620 |
| Cost of funding earning assets | 0.3930% | 2,154 |
| Net interest margin | 3.6452% | 1,506 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 3.5587% | 468 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.4153% | 4,228 |
| Return on assets (ROA) | 0.4153% | 4,192 |
| Pretax return on assets | 0.5082% | 4,164 |
| Return on Equity (ROE) | 5.8200% | 3,862 |
| Retained earnings to average equity (ytd only) | 5.8217% | 2,711 |
| Net charge-offs to loans | 0.0879% | 792 |
| Credit loss provision to net charge-offs | 58.8235% | 1,782 |
| Earnings coverage of net charge-offs (x) | 7.0196% | 2,317 |
| Efficiency ratio | 86.5147% | 407 |
| Assets per employee ($millions) | 4.7512% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 4,234 |
| Loan loss allowance to noncurrent loans | 41.7146% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.8211% | 143 |
| Noncurrent loans to loans | 1.6286% | 390 |
| Net loans and leases to total assets | 90.1000% | 33 |
| Net loans and leases to deposits | 104.4890% | 280 |
| Net loans and leases to core deposits | 117.2523% | 420 |
| Total domestic deposits to total assets | 86.2300% | 2,666 |
| Equity capital to assets | 7.0095% | 3,664 |
| Core capital (leverage) ratio | 6.9773% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9731% | 2,974 |
| Memoranda: | ||
| Average total assets | $258,155,400 | 2,685 |
| Average earning assets | $239,466,200 | 2,673 |
| Average equity | $18,414,000 | 3,088 |
| Average total loans | $232,198,400 | 2,041 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 1,300 |
| Cost of funding earning assets | 0.3171% | 1,996 |
| Net interest margin | 3.6656% | 1,232 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 3.6126% | 439 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.4486% | 4,168 |
| Return on assets (ROA) | 0.4486% | 4,112 |
| Pretax return on assets | 0.5496% | 4,069 |
| Return on Equity (ROE) | 6.2600% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.2609% | 2,647 |
| Net charge-offs to loans | 0.1194% | 527 |
| Credit loss provision to net charge-offs | 43.9024% | 1,550 |
| Earnings coverage of net charge-offs (x) | 5.5659% | 2,141 |
| Efficiency ratio | 85.8261% | 465 |
| Assets per employee ($millions) | 4.6673% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6765% | 4,293 |
| Loan loss allowance to noncurrent loans | 78.2609% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.1189% | 388 |
| Noncurrent loans to loans | 0.8644% | 910 |
| Net loans and leases to total assets | 88.8400% | 42 |
| Net loans and leases to deposits | 97.9202% | 461 |
| Net loans and leases to core deposits | 111.2246% | 433 |
| Total domestic deposits to total assets | 90.7300% | 1,346 |
| Equity capital to assets | 6.9334% | 3,552 |
| Core capital (leverage) ratio | 7.0075% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9708% | 3,043 |
| Memoranda: | ||
| Average total assets | $254,989,250 | 2,717 |
| Average earning assets | $236,320,250 | 2,709 |
| Average equity | $18,271,750 | 3,136 |
| Average total loans | $228,828,750 | 2,057 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 1,055 |
| Cost of funding earning assets | 0.2541% | 2,208 |
| Net interest margin | 3.6762% | 951 |
| Noninterest income to average assets | 0.7431% | 1,189 |
| Noninterest expense to average assets | 3.7141% | 348 |
| Loan and lease loss provision to assets | 0.0480% | 1,712 |
| Net operating income to assets | 0.3171% | 4,258 |
| Return on assets (ROA) | 0.3171% | 4,206 |
| Pretax return on assets | 0.3868% | 4,180 |
| Return on Equity (ROE) | 4.3742% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.3742% | 2,939 |
| Net charge-offs to loans | 0.1747% | 366 |
| Credit loss provision to net charge-offs | 30.6122% | 1,569 |
| Earnings coverage of net charge-offs (x) | 2.7704% | 2,016 |
| Efficiency ratio | 89.5194% | 431 |
| Assets per employee ($millions) | 4.2536% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6855% | 4,356 |
| Loan loss allowance to noncurrent loans | 78.6861% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1369% | 384 |
| Noncurrent loans to loans | 0.8711% | 977 |
| Net loans and leases to total assets | 90.2914% | 20 |
| Net loans and leases to deposits | 100.9197% | 243 |
| Net loans and leases to core deposits | 109.6837% | 357 |
| Total domestic deposits to total assets | 89.4686% | 1,962 |
| Equity capital to assets | 7.0563% | 3,737 |
| Core capital (leverage) ratio | 7.0768% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8669% | 3,029 |
| Memoranda: | ||
| Average total assets | $249,750,333 | 2,779 |
| Average earning assets | $231,382,667 | 2,783 |
| Average equity | $18,106,000 | 3,227 |
| Average total loans | $224,395,000 | 2,084 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 912 |
| Cost of funding earning assets | 0.2439% | 2,228 |
| Net interest margin | 3.6671% | 796 |
| Noninterest income to average assets | 0.8053% | 1,033 |
| Noninterest expense to average assets | 3.7846% | 323 |
| Loan and lease loss provision to assets | 0.0490% | 1,493 |
| Net operating income to assets | 0.2973% | 4,148 |
| Return on assets (ROA) | 0.2973% | 4,121 |
| Pretax return on assets | 0.3610% | 4,096 |
| Return on Equity (ROE) | 4.0434% | 3,866 |
| Retained earnings to average equity (ytd only) | 4.0434% | 2,921 |
| Net charge-offs to loans | -0.0055% | 3,363 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2259% | 536 |
| Assets per employee ($millions) | 4.0894% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7932% | 4,255 |
| Loan loss allowance to noncurrent loans | 94.6978% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.3301% | 300 |
| Noncurrent loans to loans | 0.8376% | 1,119 |
| Net loans and leases to total assets | 89.5461% | 15 |
| Net loans and leases to deposits | 98.4053% | 218 |
| Net loans and leases to core deposits | 107.0213% | 328 |
| Total domestic deposits to total assets | 90.9972% | 1,034 |
| Equity capital to assets | 7.2530% | 4,069 |
| Core capital (leverage) ratio | 7.2873% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1565% | 3,034 |
| Memoranda: | ||
| Average total assets | $244,890,000 | 2,813 |
| Average earning assets | $226,336,000 | 2,830 |
| Average equity | $18,004,500 | 3,327 |
| Average total loans | $218,644,000 | 2,106 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 1,005 |
| Cost of funding earning assets | 0.3332% | 2,087 |
| Net interest margin | 3.8585% | 904 |
| Noninterest income to average assets | 1.4128% | 559 |
| Noninterest expense to average assets | 3.9932% | 289 |
| Loan and lease loss provision to assets | 0.1107% | 1,136 |
| Net operating income to assets | 0.7132% | 3,596 |
| Return on assets (ROA) | 0.7132% | 3,650 |
| Pretax return on assets | 0.8840% | 3,545 |
| Return on Equity (ROE) | 9.8520% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.8520% | 957 |
| Net charge-offs to loans | 0.0246% | 1,753 |
| Credit loss provision to net charge-offs | 509.8039% | 788 |
| Earnings coverage of net charge-offs (x) | 45.8039% | 1,353 |
| Efficiency ratio | 80.0581% | 801 |
| Assets per employee ($millions) | 3.8147% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 4,220 |
| Loan loss allowance to noncurrent loans | 93.8437% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2899% | 363 |
| Noncurrent loans to loans | 0.8806% | 1,151 |
| Net loans and leases to total assets | 87.5364% | 38 |
| Net loans and leases to deposits | 96.3762% | 299 |
| Net loans and leases to core deposits | 104.6523% | 395 |
| Total domestic deposits to total assets | 90.8278% | 568 |
| Equity capital to assets | 7.4549% | 4,607 |
| Core capital (leverage) ratio | 7.3739% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5152% | 2,982 |
| Memoranda: | ||
| Average total assets | $234,851,800 | 2,817 |
| Average earning assets | $217,599,400 | 2,830 |
| Average equity | $17,001,600 | 3,461 |
| Average total loans | $207,319,800 | 2,192 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 1,083 |
| Cost of funding earning assets | 0.3578% | 2,040 |
| Net interest margin | 3.8588% | 1,010 |
| Noninterest income to average assets | 1.4762% | 557 |
| Noninterest expense to average assets | 3.9579% | 291 |
| Loan and lease loss provision to assets | 0.1315% | 875 |
| Net operating income to assets | 0.7783% | 3,575 |
| Return on assets (ROA) | 0.7783% | 3,638 |
| Pretax return on assets | 0.9651% | 3,555 |
| Return on Equity (ROE) | 10.8346% | 2,422 |
| Retained earnings to average equity (ytd only) | 10.8346% | 1,098 |
| Net charge-offs to loans | 0.0343% | 1,390 |
| Credit loss provision to net charge-offs | 433.9623% | 824 |
| Earnings coverage of net charge-offs (x) | 36.2264% | 1,427 |
| Efficiency ratio | 78.3075% | 851 |
| Assets per employee ($millions) | 3.7590% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 4,323 |
| Loan loss allowance to noncurrent loans | 67.8360% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 487 |
| Noncurrent loans to loans | 1.2002% | 927 |
| Net loans and leases to total assets | 88.5292% | 30 |
| Net loans and leases to deposits | 97.5098% | 291 |
| Net loans and leases to core deposits | 105.6953% | 414 |
| Total domestic deposits to total assets | 90.7900% | 440 |
| Equity capital to assets | 7.4340% | 4,720 |
| Core capital (leverage) ratio | 7.3270% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5714% | 3,035 |
| Memoranda: | ||
| Average total assets | $233,483,750 | 2,854 |
| Average earning assets | $216,506,750 | 2,864 |
| Average equity | $16,773,000 | 3,529 |
| Average total loans | $206,118,750 | 2,231 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 1,472 |
| Cost of funding earning assets | 0.3965% | 1,912 |
| Net interest margin | 3.6428% | 1,491 |
| Noninterest income to average assets | 1.3685% | 633 |
| Noninterest expense to average assets | 4.0142% | 290 |
| Loan and lease loss provision to assets | 0.1377% | 887 |
| Net operating income to assets | 0.4811% | 4,255 |
| Return on assets (ROA) | 0.4811% | 4,297 |
| Pretax return on assets | 0.5930% | 4,244 |
| Return on Equity (ROE) | 6.7775% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.7775% | 2,509 |
| Net charge-offs to loans | -0.0049% | 3,432 |
| Credit loss provision to net charge-offs | -3,200.0000% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6000% | 526 |
| Assets per employee ($millions) | 3.8184% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 4,347 |
| Loan loss allowance to noncurrent loans | 48.2632% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.4957% | 381 |
| Noncurrent loans to loans | 1.6821% | 634 |
| Net loans and leases to total assets | 88.1978% | 37 |
| Net loans and leases to deposits | 96.8357% | 357 |
| Net loans and leases to core deposits | 104.4402% | 522 |
| Total domestic deposits to total assets | 91.0798% | 350 |
| Equity capital to assets | 7.0967% | 4,824 |
| Core capital (leverage) ratio | 6.8316% | 4,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1749% | 3,071 |
| Memoranda: | ||
| Average total assets | $232,372,333 | 2,866 |
| Average earning assets | $215,384,667 | 2,869 |
| Average equity | $16,495,667 | 3,556 |
| Average total loans | $204,367,000 | 2,251 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 1,640 |
| Cost of funding earning assets | 0.4450% | 1,761 |
| Net interest margin | 3.5393% | 1,728 |
| Noninterest income to average assets | 1.4666% | 623 |
| Noninterest expense to average assets | 4.0871% | 268 |
| Loan and lease loss provision to assets | 0.2259% | 506 |
| Net operating income to assets | 0.3475% | 4,453 |
| Return on assets (ROA) | 0.3475% | 4,483 |
| Pretax return on assets | 0.4292% | 4,452 |
| Return on Equity (ROE) | 4.8951% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.8951% | 3,254 |
| Net charge-offs to loans | -0.0060% | 3,463 |
| Credit loss provision to net charge-offs | -4,333.3333% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1854% | 501 |
| Assets per employee ($millions) | 3.9699% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 4,408 |
| Loan loss allowance to noncurrent loans | 42.0195% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 345 |
| Noncurrent loans to loans | 1.9064% | 585 |
| Net loans and leases to total assets | 87.1866% | 63 |
| Net loans and leases to deposits | 96.4302% | 395 |
| Net loans and leases to core deposits | 104.7150% | 554 |
| Total domestic deposits to total assets | 90.4142% | 615 |
| Equity capital to assets | 6.9031% | 4,863 |
| Core capital (leverage) ratio | 6.8896% | 4,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1382% | 3,052 |
| Memoranda: | ||
| Average total assets | $230,187,000 | 2,865 |
| Average earning assets | $213,038,500 | 2,868 |
| Average equity | $16,343,000 | 3,576 |
| Average total loans | $201,295,000 | 2,277 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3134% | 1,835 |
| Cost of funding earning assets | 0.8031% | 1,193 |
| Net interest margin | 3.5103% | 2,442 |
| Noninterest income to average assets | 0.9791% | 1,091 |
| Noninterest expense to average assets | 3.8080% | 455 |
| Loan and lease loss provision to assets | 0.1063% | 3,009 |
| Net operating income to assets | 0.2445% | 4,506 |
| Return on assets (ROA) | 0.2445% | 4,572 |
| Pretax return on assets | 0.2880% | 4,561 |
| Return on Equity (ROE) | 3.1853% | 4,328 |
| Retained earnings to average equity (ytd only) | 3.1853% | 3,236 |
| Net charge-offs to loans | 0.0404% | 2,253 |
| Credit loss provision to net charge-offs | 314.2857% | 1,683 |
| Earnings coverage of net charge-offs (x) | 11.6571% | 2,390 |
| Efficiency ratio | 90.6164% | 357 |
| Assets per employee ($millions) | 4.1144% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 4,430 |
| Loan loss allowance to noncurrent loans | 37.1869% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.8688% | 319 |
| Noncurrent loans to loans | 2.1486% | 507 |
| Net loans and leases to total assets | 86.2795% | 90 |
| Net loans and leases to deposits | 96.4867% | 526 |
| Net loans and leases to core deposits | 105.7120% | 657 |
| Total domestic deposits to total assets | 89.4211% | 799 |
| Equity capital to assets | 7.3108% | 4,873 |
| Core capital (leverage) ratio | 7.1228% | 4,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4325% | 3,036 |
| Memoranda: | ||
| Average total assets | $206,934,000 | 2,887 |
| Average earning assets | $190,012,400 | 2,909 |
| Average equity | $15,885,400 | 3,565 |
| Average total loans | $173,101,200 | 2,463 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 2,423 |
| Cost of funding earning assets | 0.8564% | 1,223 |
| Net interest margin | 3.3334% | 3,090 |
| Noninterest income to average assets | 0.9748% | 1,070 |
| Noninterest expense to average assets | 3.7494% | 486 |
| Loan and lease loss provision to assets | 0.0591% | 3,610 |
| Net operating income to assets | 0.1936% | 4,606 |
| Return on assets (ROA) | 0.1936% | 4,645 |
| Pretax return on assets | 0.2219% | 4,635 |
| Return on Equity (ROE) | 2.4900% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.4900% | 3,749 |
| Net charge-offs to loans | 0.0333% | 2,161 |
| Credit loss provision to net charge-offs | 214.2857% | 2,055 |
| Earnings coverage of net charge-offs (x) | 10.1905% | 2,372 |
| Efficiency ratio | 93.0293% | 282 |
| Assets per employee ($millions) | 4.3098% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 4,402 |
| Loan loss allowance to noncurrent loans | 31.3683% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 2.1333% | 287 |
| Noncurrent loans to loans | 2.4945% | 423 |
| Net loans and leases to total assets | 84.8497% | 216 |
| Net loans and leases to deposits | 96.4636% | 728 |
| Net loans and leases to core deposits | 106.3215% | 837 |
| Total domestic deposits to total assets | 87.9604% | 1,230 |
| Equity capital to assets | 7.4403% | 4,872 |
| Core capital (leverage) ratio | 7.3055% | 4,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0119% | 2,921 |
| Memoranda: | ||
| Average total assets | $203,123,000 | 2,894 |
| Average earning assets | $186,194,000 | 2,925 |
| Average equity | $15,796,000 | 3,574 |
| Average total loans | $168,067,000 | 2,507 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 2,670 |
| Cost of funding earning assets | 0.9169% | 1,293 |
| Net interest margin | 3.3119% | 3,353 |
| Noninterest income to average assets | 0.6945% | 1,757 |
| Noninterest expense to average assets | 3.6542% | 607 |
| Loan and lease loss provision to assets | 0.0603% | 3,549 |
| Net operating income to assets | 0.0211% | 4,763 |
| Return on assets (ROA) | 0.0211% | 4,786 |
| Pretax return on assets | 0.0111% | 4,782 |
| Return on Equity (ROE) | 0.2672% | 4,771 |
| Retained earnings to average equity (ytd only) | 0.2672% | 4,256 |
| Net charge-offs to loans | 0.0553% | 1,707 |
| Credit loss provision to net charge-offs | 133.3333% | 2,213 |
| Earnings coverage of net charge-offs (x) | 1.5778% | 2,844 |
| Efficiency ratio | 98.0847% | 204 |
| Assets per employee ($millions) | 4.2562% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8094% | 4,322 |
| Loan loss allowance to noncurrent loans | 28.9501% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.2870% | 274 |
| Noncurrent loans to loans | 2.7959% | 377 |
| Net loans and leases to total assets | 81.1384% | 490 |
| Net loans and leases to deposits | 92.2589% | 1,130 |
| Net loans and leases to core deposits | 101.1233% | 1,182 |
| Total domestic deposits to total assets | 87.9464% | 1,204 |
| Equity capital to assets | 7.4053% | 4,901 |
| Core capital (leverage) ratio | 7.2491% | 4,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2250% | 2,907 |
| Memoranda: | ||
| Average total assets | $199,001,333 | 2,911 |
| Average earning assets | $182,131,667 | 2,935 |
| Average equity | $15,717,000 | 3,581 |
| Average total loans | $162,661,667 | 2,544 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 2,887 |
| Cost of funding earning assets | 1.0012% | 1,417 |
| Net interest margin | 3.3122% | 3,561 |
| Noninterest income to average assets | 0.5830% | 2,113 |
| Noninterest expense to average assets | 3.7585% | 655 |
| Loan and lease loss provision to assets | 0.0625% | 2,982 |
| Net operating income to assets | -0.1603% | 4,832 |
| Return on assets (ROA) | -0.1603% | 4,811 |
| Pretax return on assets | -0.2207% | 4,818 |
| Return on Equity (ROE) | -1.9623% | 4,838 |
| Retained earnings to average equity (ytd only) | -1.9623% | 4,251 |
| Net charge-offs to loans | 0.0178% | 2,018 |
| Credit loss provision to net charge-offs | 428.5714% | 958 |
| Earnings coverage of net charge-offs (x) | -10.8571% | 2,535 |
| Efficiency ratio | 104.3956% | 189 |
| Assets per employee ($millions) | 3.6058% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 4,100 |
| Loan loss allowance to noncurrent loans | 27.9818% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.6498% | 250 |
| Noncurrent loans to loans | 3.2213% | 308 |
| Net loans and leases to total assets | 81.5174% | 500 |
| Net loans and leases to deposits | 94.0873% | 1,070 |
| Net loans and leases to core deposits | 105.4403% | 1,090 |
| Total domestic deposits to total assets | 86.6401% | 1,721 |
| Equity capital to assets | 8.1943% | 4,930 |
| Core capital (leverage) ratio | 7.8922% | 4,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1948% | 3,043 |
| Memoranda: | ||
| Average total assets | $192,098,000 | 2,932 |
| Average earning assets | $174,992,000 | 2,966 |
| Average equity | $15,696,000 | 3,588 |
| Average total loans | $156,953,500 | 2,574 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 2,720 |
| Cost of funding earning assets | 1.0439% | 1,539 |
| Net interest margin | 3.5235% | 3,367 |
| Noninterest income to average assets | 0.6884% | 1,855 |
| Noninterest expense to average assets | 3.8073% | 668 |
| Loan and lease loss provision to assets | 0.0651% | 2,722 |
| Net operating income to assets | 0.0282% | 4,957 |
| Return on assets (ROA) | 0.0282% | 4,976 |
| Pretax return on assets | 0.0152% | 4,979 |
| Return on Equity (ROE) | 0.3315% | 4,971 |
| Retained earnings to average equity (ytd only) | 0.3315% | 4,598 |
| Net charge-offs to loans | 0.0595% | 2,256 |
| Credit loss provision to net charge-offs | 130.4348% | 1,961 |
| Earnings coverage of net charge-offs (x) | 1.6087% | 3,518 |
| Efficiency ratio | 97.9332% | 187 |
| Assets per employee ($millions) | 3.6432% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 4,008 |
| Loan loss allowance to noncurrent loans | 26.5625% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.7179% | 216 |
| Noncurrent loans to loans | 3.3490% | 252 |
| Net loans and leases to total assets | 80.4347% | 735 |
| Net loans and leases to deposits | 92.7279% | 1,290 |
| Net loans and leases to core deposits | 104.2629% | 1,212 |
| Total domestic deposits to total assets | 86.7428% | 1,736 |
| Equity capital to assets | 8.1476% | 5,027 |
| Core capital (leverage) ratio | 8.1226% | 5,001 |
| Tier 1 risk-based capital ratio | 11.1832% | 4,785 |
| Total risk-based capital ratio | 12.2185% | 4,774 |
| Memoranda: | ||
| Average total assets | $184,197,000 | 2,968 |
| Average earning assets | $167,250,200 | 3,019 |
| Average equity | $15,685,000 | 3,573 |
| Average total loans | $154,688,000 | 2,570 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 2,544 |
| Cost of funding earning assets | 1.0525% | 1,526 |
| Net interest margin | 3.6030% | 3,238 |
| Noninterest income to average assets | 0.7254% | 1,683 |
| Noninterest expense to average assets | 3.8898% | 598 |
| Loan and lease loss provision to assets | 0.0659% | 2,566 |
| Net operating income to assets | 0.0447% | 5,048 |
| Return on assets (ROA) | 0.0447% | 5,062 |
| Pretax return on assets | 0.0352% | 5,063 |
| Return on Equity (ROE) | 0.5189% | 5,052 |
| Retained earnings to average equity (ytd only) | 0.5189% | 4,658 |
| Net charge-offs to loans | 0.0726% | 1,788 |
| Credit loss provision to net charge-offs | 107.1429% | 2,130 |
| Earnings coverage of net charge-offs (x) | 1.6429% | 3,270 |
| Efficiency ratio | 97.4665% | 176 |
| Assets per employee ($millions) | 3.0277% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 4,068 |
| Loan loss allowance to noncurrent loans | 32.0561% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 2.3560% | 315 |
| Noncurrent loans to loans | 2.7892% | 381 |
| Net loans and leases to total assets | 83.7152% | 382 |
| Net loans and leases to deposits | 98.2587% | 792 |
| Net loans and leases to core deposits | 112.2025% | 837 |
| Total domestic deposits to total assets | 85.1987% | 2,350 |
| Equity capital to assets | 8.6645% | 4,941 |
| Core capital (leverage) ratio | 8.3742% | 4,996 |
| Tier 1 risk-based capital ratio | 11.4017% | 4,720 |
| Total risk-based capital ratio | 12.4400% | 4,713 |
| Memoranda: | ||
| Average total assets | $181,974,500 | 3,024 |
| Average earning assets | $164,931,000 | 3,070 |
| Average equity | $15,673,250 | 3,614 |
| Average total loans | $154,184,250 | 2,604 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 2,564 |
| Cost of funding earning assets | 1.0374% | 1,547 |
| Net interest margin | 3.5977% | 3,262 |
| Noninterest income to average assets | 0.6074% | 2,113 |
| Noninterest expense to average assets | 3.8555% | 627 |
| Loan and lease loss provision to assets | 0.0659% | 2,502 |
| Net operating income to assets | -0.0253% | 5,109 |
| Return on assets (ROA) | -0.0253% | 5,114 |
| Pretax return on assets | -0.0494% | 5,120 |
| Return on Equity (ROE) | -0.2939% | 5,118 |
| Retained earnings to average equity (ytd only) | -0.2939% | 4,729 |
| Net charge-offs to loans | 0.1140% | 1,282 |
| Credit loss provision to net charge-offs | 68.1818% | 2,332 |
| Earnings coverage of net charge-offs (x) | 0.1705% | 3,100 |
| Efficiency ratio | 99.5745% | 162 |
| Assets per employee ($millions) | 3.1657% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 4,208 |
| Loan loss allowance to noncurrent loans | 33.8306% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 2.1540% | 401 |
| Noncurrent loans to loans | 2.5648% | 450 |
| Net loans and leases to total assets | 83.2550% | 438 |
| Net loans and leases to deposits | 98.2240% | 820 |
| Net loans and leases to core deposits | 112.0044% | 866 |
| Total domestic deposits to total assets | 84.7603% | 2,576 |
| Equity capital to assets | 8.5266% | 5,030 |
| Core capital (leverage) ratio | 8.2576% | 5,078 |
| Tier 1 risk-based capital ratio | 11.4832% | 4,693 |
| Total risk-based capital ratio | 12.5061% | 4,696 |
| Memoranda: | ||
| Average total assets | $182,079,330 | 3,029 |
| Average earning assets | $165,217,000 | 3,081 |
| Average equity | $15,651,000 | 3,617 |
| Average total loans | $154,429,330 | 2,614 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 2,509 |
| Cost of funding earning assets | 1.0050% | 1,548 |
| Net interest margin | 3.6015% | 3,241 |
| Noninterest income to average assets | 0.4831% | 2,662 |
| Noninterest expense to average assets | 3.8299% | 638 |
| Loan and lease loss provision to assets | 0.0662% | 2,343 |
| Net operating income to assets | -0.1037% | 5,180 |
| Return on assets (ROA) | -0.1037% | 5,180 |
| Pretax return on assets | -0.1478% | 5,184 |
| Return on Equity (ROE) | -1.2014% | 5,196 |
| Retained earnings to average equity (ytd only) | -1.2014% | 4,676 |
| Net charge-offs to loans | 0.2174% | 648 |
| Credit loss provision to net charge-offs | 35.7143% | 2,056 |
| Earnings coverage of net charge-offs (x) | -0.4405% | 2,687 |
| Efficiency ratio | 102.1778% | 151 |
| Assets per employee ($millions) | 3.2432% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 4,367 |
| Loan loss allowance to noncurrent loans | 33.0229% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.3357% | 356 |
| Noncurrent loans to loans | 2.5578% | 506 |
| Net loans and leases to total assets | 84.8026% | 300 |
| Net loans and leases to deposits | 100.3486% | 607 |
| Net loans and leases to core deposits | 115.0567% | 686 |
| Total domestic deposits to total assets | 84.5081% | 2,846 |
| Equity capital to assets | 8.6038% | 4,923 |
| Core capital (leverage) ratio | 8.3481% | 5,087 |
| Tier 1 risk-based capital ratio | 11.3353% | 4,816 |
| Total risk-based capital ratio | 12.3270% | 4,846 |
| Memoranda: | ||
| Average total assets | $181,312,500 | 3,072 |
| Average earning assets | $164,375,500 | 3,123 |
| Average equity | $15,648,500 | 3,626 |
| Average total loans | $154,541,500 | 2,645 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 2,678 |
| Cost of funding earning assets | 0.8826% | 1,163 |
| Net interest margin | 3.5430% | 3,566 |
| Noninterest income to average assets | 0.6411% | 2,092 |
| Noninterest expense to average assets | 3.5959% | 878 |
| Loan and lease loss provision to assets | 0.1608% | 1,272 |
| Net operating income to assets | 0.1098% | 5,176 |
| Return on assets (ROA) | 0.1098% | 5,170 |
| Pretax return on assets | 0.1081% | 5,174 |
| Return on Equity (ROE) | 1.2848% | 5,131 |
| Retained earnings to average equity (ytd only) | 1.2848% | 4,622 |
| Net charge-offs to loans | 0.1285% | 1,468 |
| Credit loss provision to net charge-offs | 146.5000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 2.4500% | 3,517 |
| Efficiency ratio | 93.0408% | 257 |
| Assets per employee ($millions) | 3.4809% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,213 |
| Loan loss allowance to noncurrent loans | 35.1157% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 2.3286% | 353 |
| Noncurrent loans to loans | 2.5300% | 478 |
| Net loans and leases to total assets | 84.1891% | 398 |
| Net loans and leases to deposits | 99.7265% | 766 |
| Net loans and leases to core deposits | 114.2278% | 775 |
| Total domestic deposits to total assets | 84.4200% | 2,863 |
| Equity capital to assets | 8.6576% | 4,839 |
| Core capital (leverage) ratio | 8.3503% | 5,088 |
| Tier 1 risk-based capital ratio | 11.4643% | 4,740 |
| Total risk-based capital ratio | 12.5053% | 4,751 |
| Memoranda: | ||
| Average total assets | $182,179,400 | 3,033 |
| Average earning assets | $165,764,000 | 3,070 |
| Average equity | $15,566,800 | 3,564 |
| Average total loans | $155,700,200 | 2,572 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 2,663 |
| Cost of funding earning assets | 0.8498% | 1,122 |
| Net interest margin | 3.5398% | 3,559 |
| Noninterest income to average assets | 0.5188% | 2,750 |
| Noninterest expense to average assets | 3.5778% | 886 |
| Loan and lease loss provision to assets | 0.1023% | 1,957 |
| Net operating income to assets | 0.0797% | 5,264 |
| Return on assets (ROA) | 0.0797% | 5,257 |
| Pretax return on assets | 0.0621% | 5,269 |
| Return on Equity (ROE) | 0.9363% | 5,242 |
| Retained earnings to average equity (ytd only) | 0.9363% | 4,872 |
| Net charge-offs to loans | 0.0384% | 2,311 |
| Credit loss provision to net charge-offs | 311.1111% | 996 |
| Earnings coverage of net charge-offs (x) | 4.9998% | 3,002 |
| Efficiency ratio | 95.6063% | 209 |
| Assets per employee ($millions) | 3.2669% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 4,321 |
| Loan loss allowance to noncurrent loans | 28.0903% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 2.7555% | 290 |
| Noncurrent loans to loans | 3.1545% | 333 |
| Net loans and leases to total assets | 85.1623% | 347 |
| Net loans and leases to deposits | 103.2441% | 587 |
| Net loans and leases to core deposits | 117.7144% | 649 |
| Total domestic deposits to total assets | 82.4864% | 3,463 |
| Equity capital to assets | 8.6678% | 4,817 |
| Core capital (leverage) ratio | 8.3192% | 5,193 |
| Tier 1 risk-based capital ratio | 11.3500% | 4,871 |
| Total risk-based capital ratio | 12.3891% | 4,873 |
| Memoranda: | ||
| Average total assets | $182,454,000 | 3,054 |
| Average earning assets | $166,146,500 | 3,088 |
| Average equity | $15,522,500 | 3,594 |
| Average total loans | $156,186,500 | 2,580 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,680 |
| Cost of funding earning assets | 0.8224% | 1,033 |
| Net interest margin | 3.5036% | 3,616 |
| Noninterest income to average assets | 0.5464% | 2,592 |
| Noninterest expense to average assets | 3.5293% | 960 |
| Loan and lease loss provision to assets | 0.1200% | 1,645 |
| Net operating income to assets | 0.0883% | 5,302 |
| Return on assets (ROA) | 0.0883% | 5,294 |
| Pretax return on assets | 0.0938% | 5,293 |
| Return on Equity (ROE) | 1.0448% | 5,268 |
| Retained earnings to average equity (ytd only) | 1.0448% | 4,743 |
| Net charge-offs to loans | -0.0089% | 4,283 |
| Credit loss provision to net charge-offs | -1,571.4286% | 4,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2890% | 253 |
| Assets per employee ($millions) | 3.4331% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 4,360 |
| Loan loss allowance to noncurrent loans | 28.7606% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.6571% | 310 |
| Noncurrent loans to loans | 3.1140% | 351 |
| Net loans and leases to total assets | 82.9673% | 580 |
| Net loans and leases to deposits | 101.2267% | 718 |
| Net loans and leases to core deposits | 115.1864% | 741 |
| Total domestic deposits to total assets | 81.9618% | 3,733 |
| Equity capital to assets | 8.3866% | 5,025 |
| Core capital (leverage) ratio | 8.1514% | 5,292 |
| Tier 1 risk-based capital ratio | 11.2923% | 4,903 |
| Total risk-based capital ratio | 12.3517% | 4,898 |
| Memoranda: | ||
| Average total assets | $183,379,670 | 3,065 |
| Average earning assets | $167,311,330 | 3,097 |
| Average equity | $15,505,330 | 3,609 |
| Average total loans | $156,787,000 | 2,588 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 2,437 |
| Cost of funding earning assets | 0.8135% | 902 |
| Net interest margin | 3.5115% | 3,494 |
| Noninterest income to average assets | 0.5615% | 2,465 |
| Noninterest expense to average assets | 3.5773% | 889 |
| Loan and lease loss provision to assets | 0.1250% | 1,506 |
| Net operating income to assets | 0.0614% | 5,348 |
| Return on assets (ROA) | 0.0614% | 5,345 |
| Pretax return on assets | 0.0592% | 5,351 |
| Return on Equity (ROE) | 0.7233% | 5,331 |
| Retained earnings to average equity (ytd only) | 0.7233% | 4,682 |
| Net charge-offs to loans | -0.0254% | 4,672 |
| Credit loss provision to net charge-offs | -570.0000% | 4,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1020% | 269 |
| Assets per employee ($millions) | 3.5657% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,643 |
| Loan loss allowance to noncurrent loans | 40.6924% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.9478% | 595 |
| Noncurrent loans to loans | 2.0861% | 747 |
| Net loans and leases to total assets | 86.0698% | 255 |
| Net loans and leases to deposits | 106.2399% | 374 |
| Net loans and leases to core deposits | 120.9081% | 559 |
| Total domestic deposits to total assets | 81.0146% | 4,200 |
| Equity capital to assets | 8.5208% | 4,958 |
| Core capital (leverage) ratio | 8.1738% | 5,332 |
| Tier 1 risk-based capital ratio | 11.1957% | 5,028 |
| Total risk-based capital ratio | 12.2120% | 5,052 |
| Memoranda: | ||
| Average total assets | $182,374,500 | 3,106 |
| Average earning assets | $166,197,000 | 3,136 |
| Average equity | $15,484,000 | 3,648 |
| Average total loans | $157,579,000 | 2,599 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 2,292 |
| Cost of funding earning assets | 0.7882% | 662 |
| Net interest margin | 3.5212% | 3,461 |
| Noninterest income to average assets | 0.5160% | 2,906 |
| Noninterest expense to average assets | 3.6250% | 871 |
| Loan and lease loss provision to assets | 0.0640% | 2,946 |
| Net operating income to assets | -0.3086% | 5,481 |
| Return on assets (ROA) | -0.3086% | 5,478 |
| Pretax return on assets | 0.0298% | 5,422 |
| Return on Equity (ROE) | -3.6289% | 5,509 |
| Retained earnings to average equity (ytd only) | -3.6289% | 5,381 |
| Net charge-offs to loans | 0.1936% | 1,315 |
| Credit loss provision to net charge-offs | 38.2166% | 3,454 |
| Earnings coverage of net charge-offs (x) | 0.5605% | 3,985 |
| Efficiency ratio | 97.4774% | 217 |
| Assets per employee ($millions) | 3.8104% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 4,798 |
| Loan loss allowance to noncurrent loans | 44.4949% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.7731% | 707 |
| Noncurrent loans to loans | 1.8188% | 882 |
| Net loans and leases to total assets | 85.3077% | 311 |
| Net loans and leases to deposits | 105.5228% | 422 |
| Net loans and leases to core deposits | 119.7591% | 593 |
| Total domestic deposits to total assets | 80.8430% | 4,156 |
| Equity capital to assets | 8.4599% | 5,153 |
| Core capital (leverage) ratio | 8.1283% | 5,391 |
| Tier 1 risk-based capital ratio | 11.1143% | 5,079 |
| Total risk-based capital ratio | 12.0746% | 5,134 |
| Memoranda: | ||
| Average total assets | $187,612,800 | 3,045 |
| Average earning assets | $170,651,600 | 3,065 |
| Average equity | $15,955,400 | 3,600 |
| Average total loans | $162,163,400 | 2,520 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 2,374 |
| Cost of funding earning assets | 0.7873% | 620 |
| Net interest margin | 3.4800% | 3,566 |
| Noninterest income to average assets | 0.5276% | 2,851 |
| Noninterest expense to average assets | 3.6265% | 834 |
| Loan and lease loss provision to assets | 0.0636% | 2,797 |
| Net operating income to assets | 0.0275% | 5,490 |
| Return on assets (ROA) | 0.0275% | 5,499 |
| Pretax return on assets | 0.0028% | 5,508 |
| Return on Equity (ROE) | 0.3235% | 5,497 |
| Retained earnings to average equity (ytd only) | 0.3235% | 5,144 |
| Net charge-offs to loans | 0.2473% | 874 |
| Credit loss provision to net charge-offs | 29.7030% | 3,077 |
| Earnings coverage of net charge-offs (x) | 0.3102% | 3,674 |
| Efficiency ratio | 98.2023% | 199 |
| Assets per employee ($millions) | 3.5899% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7886% | 4,921 |
| Loan loss allowance to noncurrent loans | 42.6531% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.8374% | 741 |
| Noncurrent loans to loans | 1.8488% | 948 |
| Net loans and leases to total assets | 86.1704% | 250 |
| Net loans and leases to deposits | 108.5474% | 322 |
| Net loans and leases to core deposits | 124.8852% | 437 |
| Total domestic deposits to total assets | 79.3850% | 4,464 |
| Equity capital to assets | 8.7905% | 5,087 |
| Core capital (leverage) ratio | 8.1789% | 5,434 |
| Tier 1 risk-based capital ratio | 11.0510% | 5,213 |
| Total risk-based capital ratio | 11.9847% | 5,286 |
| Memoranda: | ||
| Average total assets | $188,791,250 | 3,054 |
| Average earning assets | $171,719,750 | 3,077 |
| Average equity | $16,076,000 | 3,619 |
| Average total loans | $163,379,250 | 2,510 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 2,358 |
| Cost of funding earning assets | 0.7806% | 577 |
| Net interest margin | 3.4488% | 3,592 |
| Noninterest income to average assets | 0.5139% | 2,937 |
| Noninterest expense to average assets | 3.5554% | 928 |
| Loan and lease loss provision to assets | 0.0629% | 2,712 |
| Net operating income to assets | 0.0430% | 5,531 |
| Return on assets (ROA) | 0.0430% | 5,536 |
| Pretax return on assets | 0.0325% | 5,536 |
| Return on Equity (ROE) | 0.5103% | 5,525 |
| Retained earnings to average equity (ytd only) | 0.5103% | 4,975 |
| Net charge-offs to loans | 0.3373% | 598 |
| Credit loss provision to net charge-offs | 21.5827% | 2,777 |
| Earnings coverage of net charge-offs (x) | 0.3273% | 3,387 |
| Efficiency ratio | 97.3858% | 223 |
| Assets per employee ($millions) | 3.8207% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 5,011 |
| Loan loss allowance to noncurrent loans | 49.0959% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.7611% | 797 |
| Noncurrent loans to loans | 1.5739% | 1,188 |
| Net loans and leases to total assets | 85.6690% | 297 |
| Net loans and leases to deposits | 110.1348% | 260 |
| Net loans and leases to core deposits | 126.9891% | 366 |
| Total domestic deposits to total assets | 77.7856% | 4,850 |
| Equity capital to assets | 8.5965% | 5,231 |
| Core capital (leverage) ratio | 7.9798% | 5,538 |
| Tier 1 risk-based capital ratio | 10.9217% | 5,295 |
| Total risk-based capital ratio | 11.8383% | 5,353 |
| Memoranda: | ||
| Average total assets | $190,693,330 | 3,050 |
| Average earning assets | $173,454,000 | 3,066 |
| Average equity | $16,070,000 | 3,634 |
| Average total loans | $164,832,670 | 2,498 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 2,305 |
| Cost of funding earning assets | 0.7877% | 533 |
| Net interest margin | 3.4020% | 3,650 |
| Noninterest income to average assets | 0.4989% | 2,987 |
| Noninterest expense to average assets | 3.5545% | 967 |
| Loan and lease loss provision to assets | 0.0624% | 2,562 |
| Net operating income to assets | 0.0083% | 5,598 |
| Return on assets (ROA) | 0.0083% | 5,605 |
| Pretax return on assets | -0.0208% | 5,610 |
| Return on Equity (ROE) | 0.0996% | 5,603 |
| Retained earnings to average equity (ytd only) | 0.0996% | 4,889 |
| Net charge-offs to loans | 0.4158% | 441 |
| Credit loss provision to net charge-offs | 17.3410% | 2,184 |
| Earnings coverage of net charge-offs (x) | 0.1156% | 2,845 |
| Efficiency ratio | 98.8439% | 245 |
| Assets per employee ($millions) | 3.5598% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 5,050 |
| Loan loss allowance to noncurrent loans | 44.9728% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.8127% | 779 |
| Noncurrent loans to loans | 1.7892% | 1,048 |
| Net loans and leases to total assets | 86.5114% | 187 |
| Net loans and leases to deposits | 112.3686% | 169 |
| Net loans and leases to core deposits | 129.5374% | 266 |
| Total domestic deposits to total assets | 76.9889% | 5,111 |
| Equity capital to assets | 8.5117% | 5,233 |
| Core capital (leverage) ratio | 7.8189% | 5,622 |
| Tier 1 risk-based capital ratio | 10.8180% | 5,399 |
| Total risk-based capital ratio | 11.7827% | 5,447 |
| Memoranda: | ||
| Average total assets | $192,432,000 | 3,062 |
| Average earning assets | $175,191,500 | 3,079 |
| Average equity | $16,058,000 | 3,655 |
| Average total loans | $166,431,500 | 2,499 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 2,616 |
| Cost of funding earning assets | 0.8198% | 456 |
| Net interest margin | 3.3429% | 4,020 |
| Noninterest income to average assets | 0.4753% | 3,379 |
| Noninterest expense to average assets | 3.6033% | 1,014 |
| Loan and lease loss provision to assets | 0.0435% | 3,510 |
| Net operating income to assets | -0.0559% | 5,667 |
| Return on assets (ROA) | -0.0559% | 5,680 |
| Pretax return on assets | -0.1211% | 5,700 |
| Return on Equity (ROE) | -0.6750% | 5,688 |
| Retained earnings to average equity (ytd only) | -0.6750% | 5,407 |
| Net charge-offs to loans | 0.0654% | 2,764 |
| Credit loss provision to net charge-offs | 76.3636% | 3,036 |
| Earnings coverage of net charge-offs (x) | -1.3636% | 4,181 |
| Efficiency ratio | 102.2026% | 196 |
| Assets per employee ($millions) | 3.7018% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 4,893 |
| Loan loss allowance to noncurrent loans | 46.6010% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.7376% | 876 |
| Noncurrent loans to loans | 1.8703% | 1,000 |
| Net loans and leases to total assets | 85.0439% | 301 |
| Net loans and leases to deposits | 113.3768% | 169 |
| Net loans and leases to core deposits | 127.8297% | 311 |
| Total domestic deposits to total assets | 75.0099% | 5,355 |
| Equity capital to assets | 8.1842% | 5,478 |
| Core capital (leverage) ratio | 7.6198% | 5,724 |
| Tier 1 risk-based capital ratio | 10.5795% | 5,536 |
| Total risk-based capital ratio | 11.6252% | 5,566 |
| Memoranda: | ||
| Average total assets | $193,154,000 | 3,031 |
| Average earning assets | $176,256,400 | 3,049 |
| Average equity | $16,000,600 | 3,689 |
| Average total loans | $168,312,400 | 2,429 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 2,641 |
| Cost of funding earning assets | 0.8170% | 455 |
| Net interest margin | 3.3431% | 4,045 |
| Noninterest income to average assets | 0.4796% | 3,381 |
| Noninterest expense to average assets | 3.6695% | 895 |
| Loan and lease loss provision to assets | 0.0437% | 3,357 |
| Net operating income to assets | -0.0949% | 5,759 |
| Return on assets (ROA) | -0.0949% | 5,770 |
| Pretax return on assets | -0.1823% | 5,789 |
| Return on Equity (ROE) | -1.1426% | 5,787 |
| Retained earnings to average equity (ytd only) | -1.1426% | 5,510 |
| Net charge-offs to loans | 0.0499% | 2,662 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | -3.1745% | 3,881 |
| Efficiency ratio | 103.9254% | 178 |
| Assets per employee ($millions) | 3.8764% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,939 |
| Loan loss allowance to noncurrent loans | 42.1751% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.7906% | 919 |
| Noncurrent loans to loans | 2.0833% | 925 |
| Net loans and leases to total assets | 85.1970% | 313 |
| Net loans and leases to deposits | 115.8245% | 159 |
| Net loans and leases to core deposits | 130.5027% | 295 |
| Total domestic deposits to total assets | 73.5570% | 5,473 |
| Equity capital to assets | 8.1104% | 5,701 |
| Core capital (leverage) ratio | 7.5883% | 5,816 |
| Tier 1 risk-based capital ratio | 10.5017% | 5,620 |
| Total risk-based capital ratio | 11.5600% | 5,629 |
| Memoranda: | ||
| Average total assets | $192,394,000 | 3,047 |
| Average earning assets | $175,599,750 | 3,066 |
| Average equity | $15,986,500 | 3,724 |
| Average total loans | $168,311,000 | 2,434 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 2,707 |
| Cost of funding earning assets | 0.8243% | 428 |
| Net interest margin | 3.3178% | 4,166 |
| Noninterest income to average assets | 0.4323% | 3,649 |
| Noninterest expense to average assets | 3.8400% | 726 |
| Loan and lease loss provision to assets | 0.0441% | 3,269 |
| Net operating income to assets | -0.2581% | 5,867 |
| Return on assets (ROA) | -0.2581% | 5,883 |
| Pretax return on assets | -0.4239% | 5,909 |
| Return on Equity (ROE) | -3.0806% | 5,902 |
| Retained earnings to average equity (ytd only) | -3.0806% | 5,643 |
| Net charge-offs to loans | 0.0370% | 2,716 |
| Credit loss provision to net charge-offs | 135.4839% | 1,722 |
| Earnings coverage of net charge-offs (x) | -11.6774% | 3,652 |
| Efficiency ratio | 110.9763% | 139 |
| Assets per employee ($millions) | 3.6169% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 5,006 |
| Loan loss allowance to noncurrent loans | 41.6505% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.8488% | 916 |
| Noncurrent loans to loans | 2.1203% | 914 |
| Net loans and leases to total assets | 86.4244% | 222 |
| Net loans and leases to deposits | 115.7545% | 148 |
| Net loans and leases to core deposits | 131.1091% | 292 |
| Total domestic deposits to total assets | 74.6618% | 5,452 |
| Equity capital to assets | 8.1530% | 5,756 |
| Core capital (leverage) ratio | 7.6493% | 5,847 |
| Tier 1 risk-based capital ratio | 10.5495% | 5,653 |
| Total risk-based capital ratio | 11.6224% | 5,649 |
| Memoranda: | ||
| Average total assets | $190,626,330 | 3,082 |
| Average earning assets | $173,973,000 | 3,097 |
| Average equity | $15,970,670 | 3,736 |
| Average total loans | $167,773,000 | 2,439 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 2,617 |
| Cost of funding earning assets | 0.8526% | 385 |
| Net interest margin | 3.3078% | 4,195 |
| Noninterest income to average assets | 0.3952% | 3,868 |
| Noninterest expense to average assets | 3.5011% | 1,178 |
| Loan and lease loss provision to assets | 0.0446% | 3,034 |
| Net operating income to assets | -0.0680% | 5,827 |
| Return on assets (ROA) | -0.0680% | 5,847 |
| Pretax return on assets | -0.1338% | 5,875 |
| Return on Equity (ROE) | -0.8003% | 5,862 |
| Retained earnings to average equity (ytd only) | -0.8003% | 5,253 |
| Net charge-offs to loans | 0.0072% | 2,876 |
| Credit loss provision to net charge-offs | 700.0000% | 482 |
| Earnings coverage of net charge-offs (x) | -14.0000% | 3,070 |
| Efficiency ratio | 102.6152% | 231 |
| Assets per employee ($millions) | 3.6591% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 5,056 |
| Loan loss allowance to noncurrent loans | 45.3481% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.7511% | 1,076 |
| Noncurrent loans to loans | 1.9833% | 1,090 |
| Net loans and leases to total assets | 87.4991% | 145 |
| Net loans and leases to deposits | 117.6767% | 111 |
| Net loans and leases to core deposits | 130.6319% | 260 |
| Total domestic deposits to total assets | 74.3555% | 5,582 |
| Equity capital to assets | 8.3994% | 5,636 |
| Core capital (leverage) ratio | 7.8798% | 5,819 |
| Tier 1 risk-based capital ratio | 10.8330% | 5,586 |
| Total risk-based capital ratio | 11.9246% | 5,587 |
| Memoranda: | ||
| Average total assets | $188,282,500 | 3,109 |
| Average earning assets | $171,716,000 | 3,136 |
| Average equity | $15,994,000 | 3,736 |
| Average total loans | $166,508,000 | 2,450 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 2,729 |
| Cost of funding earning assets | 0.8340% | 415 |
| Net interest margin | 3.3185% | 4,215 |
| Noninterest income to average assets | 0.4421% | 3,732 |
| Noninterest expense to average assets | 3.3244% | 1,661 |
| Loan and lease loss provision to assets | 0.0645% | 3,001 |
| Net operating income to assets | 0.0844% | 5,773 |
| Return on assets (ROA) | 0.0844% | 5,817 |
| Pretax return on assets | 0.0834% | 5,811 |
| Return on Equity (ROE) | 0.9790% | 5,776 |
| Retained earnings to average equity (ytd only) | 0.9790% | 5,129 |
| Net charge-offs to loans | 0.0326% | 3,568 |
| Credit loss provision to net charge-offs | 226.4151% | 1,252 |
| Earnings coverage of net charge-offs (x) | 5.1887% | 3,424 |
| Efficiency ratio | 95.7404% | 408 |
| Assets per employee ($millions) | 3.4498% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 5,066 |
| Loan loss allowance to noncurrent loans | 47.3668% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 1.6920% | 1,150 |
| Noncurrent loans to loans | 1.9101% | 1,119 |
| Net loans and leases to total assets | 87.7787% | 133 |
| Net loans and leases to deposits | 124.9622% | 71 |
| Net loans and leases to core deposits | 131.5149% | 247 |
| Total domestic deposits to total assets | 70.2442% | 5,883 |
| Equity capital to assets | 8.5920% | 5,479 |
| Core capital (leverage) ratio | 8.1250% | 5,762 |
| Tier 1 risk-based capital ratio | 11.0865% | 5,472 |
| Total risk-based capital ratio | 12.1882% | 5,462 |
| Memoranda: | ||
| Average total assets | $185,926,800 | 3,103 |
| Average earning assets | $169,776,000 | 3,129 |
| Average equity | $16,037,400 | 3,674 |
| Average total loans | $162,752,400 | 2,430 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 2,748 |
| Cost of funding earning assets | 0.8365% | 408 |
| Net interest margin | 3.3139% | 4,283 |
| Noninterest income to average assets | 0.4463% | 3,748 |
| Noninterest expense to average assets | 3.3025% | 1,684 |
| Loan and lease loss provision to assets | 0.0646% | 2,893 |
| Net operating income to assets | 0.0997% | 5,847 |
| Return on assets (ROA) | 0.0997% | 5,884 |
| Pretax return on assets | 0.1033% | 5,886 |
| Return on Equity (ROE) | 1.1550% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.1550% | 5,251 |
| Net charge-offs to loans | 0.0263% | 3,416 |
| Credit loss provision to net charge-offs | 281.2500% | 1,025 |
| Earnings coverage of net charge-offs (x) | 7.3117% | 2,928 |
| Efficiency ratio | 95.1623% | 450 |
| Assets per employee ($millions) | 3.7126% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 5,202 |
| Loan loss allowance to noncurrent loans | 48.7677% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.6393% | 1,344 |
| Noncurrent loans to loans | 1.8467% | 1,268 |
| Net loans and leases to total assets | 87.9665% | 142 |
| Net loans and leases to deposits | 119.6740% | 106 |
| Net loans and leases to core deposits | 127.0187% | 320 |
| Total domestic deposits to total assets | 73.5051% | 5,751 |
| Equity capital to assets | 8.6187% | 5,632 |
| Core capital (leverage) ratio | 7.9954% | 5,906 |
| Tier 1 risk-based capital ratio | 11.1008% | 5,610 |
| Total risk-based capital ratio | 12.1984% | 5,594 |
| Memoranda: | ||
| Average total assets | $185,836,000 | 3,129 |
| Average earning assets | $169,585,750 | 3,157 |
| Average equity | $16,045,250 | 3,706 |
| Average total loans | $162,186,500 | 2,450 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 2,700 |
| Cost of funding earning assets | 0.8401% | 402 |
| Net interest margin | 3.3157% | 4,235 |
| Noninterest income to average assets | 0.4497% | 3,710 |
| Noninterest expense to average assets | 3.2554% | 1,831 |
| Loan and lease loss provision to assets | 0.0645% | 2,825 |
| Net operating income to assets | 0.1237% | 5,844 |
| Return on assets (ROA) | 0.1237% | 5,890 |
| Pretax return on assets | 0.1528% | 5,876 |
| Return on Equity (ROE) | 1.4321% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.4321% | 4,979 |
| Net charge-offs to loans | 0.0397% | 2,886 |
| Credit loss provision to net charge-offs | 187.5000% | 1,301 |
| Earnings coverage of net charge-offs (x) | 6.3125% | 2,801 |
| Efficiency ratio | 93.7423% | 536 |
| Assets per employee ($millions) | 3.8264% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 5,332 |
| Loan loss allowance to noncurrent loans | 51.7622% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.4982% | 1,645 |
| Noncurrent loans to loans | 1.7203% | 1,494 |
| Net loans and leases to total assets | 86.3131% | 221 |
| Net loans and leases to deposits | 116.4512% | 144 |
| Net loans and leases to core deposits | 123.4465% | 382 |
| Total domestic deposits to total assets | 74.1196% | 5,778 |
| Equity capital to assets | 8.5961% | 5,602 |
| Core capital (leverage) ratio | 8.0717% | 5,890 |
| Tier 1 risk-based capital ratio | 11.0030% | 5,707 |
| Total risk-based capital ratio | 12.0721% | 5,733 |
| Memoranda: | ||
| Average total assets | $185,904,000 | 3,149 |
| Average earning assets | $169,497,330 | 3,171 |
| Average equity | $16,060,670 | 3,712 |
| Average total loans | $161,322,670 | 2,470 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 2,250 |
| Cost of funding earning assets | 0.8574% | 367 |
| Net interest margin | 3.3986% | 3,848 |
| Noninterest income to average assets | 0.4668% | 3,523 |
| Noninterest expense to average assets | 3.3796% | 1,531 |
| Loan and lease loss provision to assets | 0.0648% | 2,636 |
| Net operating income to assets | 0.1037% | 5,868 |
| Return on assets (ROA) | 0.1037% | 5,926 |
| Pretax return on assets | 0.1232% | 5,926 |
| Return on Equity (ROE) | 1.1976% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.1976% | 5,008 |
| Net charge-offs to loans | 0.0699% | 2,030 |
| Credit loss provision to net charge-offs | 107.1429% | 1,538 |
| Earnings coverage of net charge-offs (x) | 3.1071% | 2,652 |
| Efficiency ratio | 94.7305% | 558 |
| Assets per employee ($millions) | 3.9025% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 5,468 |
| Loan loss allowance to noncurrent loans | 42.3990% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 1.7980% | 1,366 |
| Noncurrent loans to loans | 2.0969% | 1,231 |
| Net loans and leases to total assets | 84.9835% | 248 |
| Net loans and leases to deposits | 114.8911% | 146 |
| Net loans and leases to core deposits | 121.3354% | 378 |
| Total domestic deposits to total assets | 73.9687% | 5,903 |
| Equity capital to assets | 8.5725% | 5,688 |
| Core capital (leverage) ratio | 8.0531% | 5,909 |
| Tier 1 risk-based capital ratio | 10.9711% | 5,819 |
| Total risk-based capital ratio | 12.0227% | 5,834 |
| Memoranda: | ||
| Average total assets | $185,109,500 | 3,177 |
| Average earning assets | $168,892,000 | 3,198 |
| Average equity | $16,032,500 | 3,741 |
| Average total loans | $160,341,500 | 2,488 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 3,390 |
| Cost of funding earning assets | 0.8684% | 464 |
| Net interest margin | 3.2145% | 4,874 |
| Noninterest income to average assets | 0.6095% | 2,800 |
| Noninterest expense to average assets | 3.4508% | 1,598 |
| Loan and lease loss provision to assets | 0.0784% | 2,915 |
| Net operating income to assets | 0.0313% | 6,051 |
| Return on assets (ROA) | 0.0313% | 6,073 |
| Pretax return on assets | -0.0090% | 6,101 |
| Return on Equity (ROE) | 0.3505% | 6,064 |
| Retained earnings to average equity (ytd only) | 0.3505% | 5,618 |
| Net charge-offs to loans | 0.0880% | 3,232 |
| Credit loss provision to net charge-offs | 102.9412% | 2,323 |
| Earnings coverage of net charge-offs (x) | 0.9118% | 4,540 |
| Efficiency ratio | 98.0286% | 423 |
| Assets per employee ($millions) | 3.6580% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 5,503 |
| Loan loss allowance to noncurrent loans | 35.8832% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 2.3237% | 1,022 |
| Noncurrent loans to loans | 2.4828% | 1,026 |
| Net loans and leases to total assets | 86.7352% | 165 |
| Net loans and leases to deposits | 118.3620% | 109 |
| Net loans and leases to core deposits | 125.4811% | 297 |
| Total domestic deposits to total assets | 73.2796% | 5,996 |
| Equity capital to assets | 8.7519% | 5,534 |
| Core capital (leverage) ratio | 8.3354% | 5,742 |
| Tier 1 risk-based capital ratio | 11.3205% | 5,758 |
| Total risk-based capital ratio | 12.3847% | 5,789 |
| Memoranda: | ||
| Average total assets | $178,683,800 | 3,222 |
| Average earning assets | $161,799,600 | 3,254 |
| Average equity | $15,976,200 | 3,670 |
| Average total loans | $154,484,200 | 2,506 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0887% | 3,424 |
| Cost of funding earning assets | 0.8624% | 510 |
| Net interest margin | 3.2263% | 4,873 |
| Noninterest income to average assets | 0.6770% | 2,443 |
| Noninterest expense to average assets | 3.4130% | 1,632 |
| Loan and lease loss provision to assets | 0.1051% | 2,284 |
| Net operating income to assets | 0.0923% | 6,035 |
| Return on assets (ROA) | 0.0923% | 6,061 |
| Pretax return on assets | 0.0766% | 6,083 |
| Return on Equity (ROE) | 1.0270% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.0270% | 5,474 |
| Net charge-offs to loans | 0.1184% | 2,624 |
| Credit loss provision to net charge-offs | 102.9412% | 2,144 |
| Earnings coverage of net charge-offs (x) | 1.7794% | 4,077 |
| Efficiency ratio | 94.9468% | 548 |
| Assets per employee ($millions) | 3.7057% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 5,600 |
| Loan loss allowance to noncurrent loans | 46.7235% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.8328% | 1,611 |
| Noncurrent loans to loans | 1.9278% | 1,659 |
| Net loans and leases to total assets | 86.4030% | 173 |
| Net loans and leases to deposits | 119.0006% | 109 |
| Net loans and leases to core deposits | 126.2660% | 279 |
| Total domestic deposits to total assets | 72.6072% | 6,125 |
| Equity capital to assets | 8.8486% | 5,509 |
| Core capital (leverage) ratio | 8.5306% | 5,624 |
| Tier 1 risk-based capital ratio | 11.4746% | 5,800 |
| Total risk-based capital ratio | 12.5487% | 5,818 |
| Memoranda: | ||
| Average total assets | $177,630,250 | 3,264 |
| Average earning assets | $160,633,500 | 3,295 |
| Average equity | $15,968,500 | 3,690 |
| Average total loans | $153,089,500 | 2,528 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 3,411 |
| Cost of funding earning assets | 0.8531% | 548 |
| Net interest margin | 3.2316% | 4,839 |
| Noninterest income to average assets | 0.4707% | 3,703 |
| Noninterest expense to average assets | 3.2601% | 2,017 |
| Loan and lease loss provision to assets | 0.1361% | 1,820 |
| Net operating income to assets | 0.0204% | 6,167 |
| Return on assets (ROA) | 0.0204% | 6,192 |
| Pretax return on assets | -0.0079% | 6,203 |
| Return on Equity (ROE) | 0.2259% | 6,184 |
| Retained earnings to average equity (ytd only) | 0.2259% | 5,623 |
| Net charge-offs to loans | 0.1758% | 1,983 |
| Credit loss provision to net charge-offs | 90.2256% | 2,175 |
| Earnings coverage of net charge-offs (x) | 0.8496% | 3,956 |
| Efficiency ratio | 96.2169% | 546 |
| Assets per employee ($millions) | 3.6440% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 5,686 |
| Loan loss allowance to noncurrent loans | 46.9980% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.8470% | 1,760 |
| Noncurrent loans to loans | 1.9427% | 1,747 |
| Net loans and leases to total assets | 85.6387% | 200 |
| Net loans and leases to deposits | 113.5228% | 143 |
| Net loans and leases to core deposits | 120.2808% | 373 |
| Total domestic deposits to total assets | 75.4374% | 5,975 |
| Equity capital to assets | 8.9384% | 5,374 |
| Core capital (leverage) ratio | 8.4889% | 5,642 |
| Tier 1 risk-based capital ratio | 11.6795% | 5,706 |
| Total risk-based capital ratio | 12.7672% | 5,748 |
| Memoranda: | ||
| Average total assets | $176,314,670 | 3,290 |
| Average earning assets | $159,178,000 | 3,332 |
| Average equity | $15,935,670 | 3,703 |
| Average total loans | $151,348,000 | 2,557 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 3,467 |
| Cost of funding earning assets | 0.8306% | 639 |
| Net interest margin | 3.2214% | 4,851 |
| Noninterest income to average assets | 0.4247% | 3,989 |
| Noninterest expense to average assets | 3.3243% | 1,893 |
| Loan and lease loss provision to assets | 0.1370% | 1,772 |
| Net operating income to assets | -0.0548% | 6,251 |
| Return on assets (ROA) | -0.0548% | 6,259 |
| Pretax return on assets | -0.1233% | 6,297 |
| Return on Equity (ROE) | -0.6029% | 6,265 |
| Retained earnings to average equity (ytd only) | -0.6029% | 5,663 |
| Net charge-offs to loans | 0.3256% | 1,091 |
| Credit loss provision to net charge-offs | 49.1803% | 2,216 |
| Earnings coverage of net charge-offs (x) | 0.0492% | 3,429 |
| Efficiency ratio | 99.5896% | 478 |
| Assets per employee ($millions) | 3.7931% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 5,856 |
| Loan loss allowance to noncurrent loans | 47.5691% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 1.8460% | 1,884 |
| Noncurrent loans to loans | 1.9012% | 1,993 |
| Net loans and leases to total assets | 83.5901% | 256 |
| Net loans and leases to deposits | 107.7341% | 198 |
| Net loans and leases to core deposits | 114.4308% | 453 |
| Total domestic deposits to total assets | 77.5892% | 5,889 |
| Equity capital to assets | 8.9266% | 5,189 |
| Core capital (leverage) ratio | 8.5679% | 5,563 |
| Tier 1 risk-based capital ratio | 11.9998% | 5,647 |
| Total risk-based capital ratio | 13.0815% | 5,676 |
| Memoranda: | ||
| Average total assets | $175,194,000 | 3,331 |
| Average earning assets | $158,441,500 | 3,369 |
| Average equity | $15,923,500 | 3,713 |
| Average total loans | $149,861,000 | 2,586 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 3,567 |
| Cost of funding earning assets | 0.8559% | 932 |
| Net interest margin | 3.2878% | 4,709 |
| Noninterest income to average assets | 0.3610% | 4,721 |
| Noninterest expense to average assets | 3.1747% | 2,497 |
| Loan and lease loss provision to assets | 0.1513% | 2,390 |
| Net operating income to assets | -0.0048% | 6,222 |
| Return on assets (ROA) | -0.0048% | 6,259 |
| Pretax return on assets | 0.0054% | 6,225 |
| Return on Equity (ROE) | -0.0502% | 6,260 |
| Retained earnings to average equity (ytd only) | -0.0502% | 5,875 |
| Net charge-offs to loans | 0.1712% | 3,115 |
| Credit loss provision to net charge-offs | 103.2520% | 2,347 |
| Earnings coverage of net charge-offs (x) | 1.0691% | 4,724 |
| Efficiency ratio | 95.2969% | 683 |
| Assets per employee ($millions) | 3.5857% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 5,750 |
| Loan loss allowance to noncurrent loans | 45.9154% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 2.0469% | 1,755 |
| Noncurrent loans to loans | 2.0738% | 1,911 |
| Net loans and leases to total assets | 85.9435% | 156 |
| Net loans and leases to deposits | 113.7532% | 121 |
| Net loans and leases to core deposits | 121.0377% | 313 |
| Total domestic deposits to total assets | 75.5525% | 6,133 |
| Equity capital to assets | 9.2573% | 4,737 |
| Core capital (leverage) ratio | 8.8237% | 5,244 |
| Tier 1 risk-based capital ratio | 12.2099% | 5,490 |
| Total risk-based capital ratio | 13.3589% | 5,489 |
| Memoranda: | ||
| Average total assets | $167,860,000 | 3,445 |
| Average earning assets | $151,650,000 | 3,472 |
| Average equity | $15,942,000 | 3,709 |
| Average total loans | $143,656,600 | 2,645 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1721% | 3,483 |
| Cost of funding earning assets | 0.8691% | 950 |
| Net interest margin | 3.3030% | 4,627 |
| Noninterest income to average assets | 0.3237% | 5,093 |
| Noninterest expense to average assets | 2.8801% | 3,377 |
| Loan and lease loss provision to assets | 0.1551% | 2,327 |
| Net operating income to assets | 0.1599% | 6,016 |
| Return on assets (ROA) | 0.1599% | 6,083 |
| Pretax return on assets | 0.2718% | 5,933 |
| Return on Equity (ROE) | 1.6725% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.6725% | 5,308 |
| Net charge-offs to loans | 0.1912% | 2,694 |
| Credit loss provision to net charge-offs | 95.0980% | 2,505 |
| Earnings coverage of net charge-offs (x) | 2.6177% | 3,965 |
| Efficiency ratio | 87.0921% | 1,247 |
| Assets per employee ($millions) | 3.5723% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 5,812 |
| Loan loss allowance to noncurrent loans | 46.3979% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 2.0584% | 1,957 |
| Noncurrent loans to loans | 2.1094% | 2,118 |
| Net loans and leases to total assets | 84.6032% | 210 |
| Net loans and leases to deposits | 108.7316% | 175 |
| Net loans and leases to core deposits | 114.9396% | 423 |
| Total domestic deposits to total assets | 77.8091% | 5,929 |
| Equity capital to assets | 9.6148% | 4,397 |
| Core capital (leverage) ratio | 9.1702% | 4,877 |
| Tier 1 risk-based capital ratio | 12.7733% | 5,277 |
| Total risk-based capital ratio | 13.9440% | 5,273 |
| Memoranda: | ||
| Average total assets | $166,797,000 | 3,496 |
| Average earning assets | $150,649,000 | 3,520 |
| Average equity | $15,944,250 | 3,751 |
| Average total loans | $142,235,500 | 2,677 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 3,401 |
| Cost of funding earning assets | 0.8902% | 947 |
| Net interest margin | 3.3024% | 4,572 |
| Noninterest income to average assets | 0.2403% | 5,730 |
| Noninterest expense to average assets | 3.4152% | 1,791 |
| Loan and lease loss provision to assets | 0.1154% | 2,885 |
| Net operating income to assets | -0.1791% | 6,479 |
| Return on assets (ROA) | -0.1791% | 6,513 |
| Pretax return on assets | -0.3124% | 6,559 |
| Return on Equity (ROE) | -1.8768% | 6,520 |
| Retained earnings to average equity (ytd only) | -1.8768% | 6,178 |
| Net charge-offs to loans | 0.1861% | 2,634 |
| Credit loss provision to net charge-offs | 72.7273% | 2,767 |
| Earnings coverage of net charge-offs (x) | -1.2424% | 4,729 |
| Efficiency ratio | 106.1240% | 348 |
| Assets per employee ($millions) | 3.5266% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 5,923 |
| Loan loss allowance to noncurrent loans | 39.4503% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 2.2975% | 1,883 |
| Noncurrent loans to loans | 2.4636% | 1,892 |
| Net loans and leases to total assets | 84.7093% | 197 |
| Net loans and leases to deposits | 109.3191% | 153 |
| Net loans and leases to core deposits | 115.1806% | 413 |
| Total domestic deposits to total assets | 77.4881% | 6,064 |
| Equity capital to assets | 9.5458% | 4,523 |
| Core capital (leverage) ratio | 9.0660% | 4,887 |
| Tier 1 risk-based capital ratio | 12.7608% | 5,315 |
| Total risk-based capital ratio | 13.9372% | 5,305 |
| Memoranda: | ||
| Average total assets | $166,430,000 | 3,520 |
| Average earning assets | $150,074,000 | 3,552 |
| Average equity | $15,878,000 | 3,786 |
| Average total loans | $141,830,330 | 2,692 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2437% | 3,137 |
| Cost of funding earning assets | 0.9111% | 938 |
| Net interest margin | 3.3326% | 4,390 |
| Noninterest income to average assets | -0.1127% | 6,924 |
| Noninterest expense to average assets | 3.3003% | 2,084 |
| Loan and lease loss provision to assets | 0.1151% | 2,794 |
| Net operating income to assets | -0.3262% | 6,591 |
| Return on assets (ROA) | -0.3262% | 6,621 |
| Pretax return on assets | -0.5277% | 6,684 |
| Return on Equity (ROE) | -3.4201% | 6,627 |
| Retained earnings to average equity (ytd only) | -3.4201% | 6,227 |
| Net charge-offs to loans | 0.2989% | 1,769 |
| Credit loss provision to net charge-offs | 45.2830% | 2,681 |
| Earnings coverage of net charge-offs (x) | -1.6226% | 4,002 |
| Efficiency ratio | 114.2857% | 272 |
| Assets per employee ($millions) | 3.5749% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 6,123 |
| Loan loss allowance to noncurrent loans | 28.9682% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 3.1347% | 1,404 |
| Noncurrent loans to loans | 3.2926% | 1,471 |
| Net loans and leases to total assets | 83.8068% | 196 |
| Net loans and leases to deposits | 109.3413% | 135 |
| Net loans and leases to core deposits | 115.1327% | 367 |
| Total domestic deposits to total assets | 76.6470% | 6,289 |
| Equity capital to assets | 9.4262% | 4,964 |
| Core capital (leverage) ratio | 8.9516% | 4,965 |
| Tier 1 risk-based capital ratio | 12.6508% | 5,471 |
| Total risk-based capital ratio | 13.7973% | 5,499 |
| Memoranda: | ||
| Average total assets | $166,771,000 | 3,553 |
| Average earning assets | $150,152,000 | 3,591 |
| Average equity | $15,906,000 | 3,833 |
| Average total loans | $141,854,500 | 2,699 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 3,388 |
| Cost of funding earning assets | 1.0667% | 1,040 |
| Net interest margin | 3.4336% | 4,765 |
| Noninterest income to average assets | 0.4981% | 3,918 |
| Noninterest expense to average assets | 3.3317% | 2,251 |
| Loan and lease loss provision to assets | 0.1531% | 3,698 |
| Net operating income to assets | 0.0932% | 6,019 |
| Return on assets (ROA) | -1.4235% | 6,850 |
| Pretax return on assets | -1.4138% | 6,829 |
| Return on Equity (ROE) | -13.1319% | 6,795 |
| Retained earnings to average equity (ytd only) | -13.1319% | 6,735 |
| Net charge-offs to loans | 0.1220% | 4,462 |
| Credit loss provision to net charge-offs | 149.7041% | 1,825 |
| Earnings coverage of net charge-offs (x) | 2.5030% | 4,167 |
| Efficiency ratio | 92.8644% | 870 |
| Assets per employee ($millions) | 3.5217% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 5,969 |
| Loan loss allowance to noncurrent loans | 29.3788% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 3.5307% | 1,277 |
| Noncurrent loans to loans | 3.4005% | 1,480 |
| Net loans and leases to total assets | 84.6575% | 188 |
| Net loans and leases to deposits | 113.4807% | 120 |
| Net loans and leases to core deposits | 119.7505% | 288 |
| Total domestic deposits to total assets | 74.6008% | 6,482 |
| Equity capital to assets | 9.6507% | 4,653 |
| Core capital (leverage) ratio | 9.1717% | 4,627 |
| Tier 1 risk-based capital ratio | 12.8182% | 5,242 |
| Total risk-based capital ratio | 14.0184% | 5,217 |
| Memoranda: | ||
| Average total assets | $165,229,600 | 3,531 |
| Average earning assets | $148,676,000 | 3,582 |
| Average equity | $17,910,600 | 3,485 |
| Average total loans | $138,546,400 | 2,732 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 3,497 |
| Cost of funding earning assets | 1.1054% | 1,044 |
| Net interest margin | 3.4293% | 4,929 |
| Noninterest income to average assets | 0.4803% | 4,064 |
| Noninterest expense to average assets | 3.3139% | 2,230 |
| Loan and lease loss provision to assets | 0.0856% | 4,535 |
| Net operating income to assets | 0.1380% | 6,054 |
| Return on assets (ROA) | 0.1380% | 6,202 |
| Pretax return on assets | 0.1687% | 6,173 |
| Return on Equity (ROE) | 1.2394% | 6,207 |
| Retained earnings to average equity (ytd only) | 1.2394% | 5,679 |
| Net charge-offs to loans | 0.1297% | 4,080 |
| Credit loss provision to net charge-offs | 79.1045% | 3,651 |
| Earnings coverage of net charge-offs (x) | 2.3508% | 4,102 |
| Efficiency ratio | 92.8733% | 840 |
| Assets per employee ($millions) | 3.8233% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 6,261 |
| Loan loss allowance to noncurrent loans | 25.8385% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 3.6933% | 1,336 |
| Noncurrent loans to loans | 3.6591% | 1,469 |
| Net loans and leases to total assets | 82.9718% | 278 |
| Net loans and leases to deposits | 110.3758% | 154 |
| Net loans and leases to core deposits | 117.2553% | 360 |
| Total domestic deposits to total assets | 75.1721% | 6,497 |
| Equity capital to assets | 11.2503% | 2,982 |
| Core capital (leverage) ratio | 11.2384% | 2,183 |
| Tier 1 risk-based capital ratio | 16.0809% | 3,225 |
| Total risk-based capital ratio | 17.2142% | 3,252 |
| Memoranda: | ||
| Average total assets | $165,156,750 | 3,563 |
| Average earning assets | $148,714,750 | 3,614 |
| Average equity | $18,394,750 | 3,453 |
| Average total loans | $137,798,000 | 2,778 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 3,550 |
| Cost of funding earning assets | 1.1375% | 1,070 |
| Net interest margin | 3.4151% | 5,021 |
| Noninterest income to average assets | 0.4365% | 4,388 |
| Noninterest expense to average assets | 3.2913% | 2,334 |
| Loan and lease loss provision to assets | 0.0846% | 4,532 |
| Net operating income to assets | 0.1257% | 6,102 |
| Return on assets (ROA) | 0.1257% | 6,265 |
| Pretax return on assets | 0.1499% | 6,229 |
| Return on Equity (ROE) | 1.1328% | 6,274 |
| Retained earnings to average equity (ytd only) | 1.1328% | 5,618 |
| Net charge-offs to loans | 0.1451% | 3,756 |
| Credit loss provision to net charge-offs | 70.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | 1.9400% | 4,007 |
| Efficiency ratio | 93.3471% | 841 |
| Assets per employee ($millions) | 3.8864% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 6,347 |
| Loan loss allowance to noncurrent loans | 32.9448% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 2.9633% | 1,857 |
| Noncurrent loans to loans | 2.8588% | 2,098 |
| Net loans and leases to total assets | 83.7657% | 226 |
| Net loans and leases to deposits | 109.3683% | 159 |
| Net loans and leases to core deposits | 116.0806% | 394 |
| Total domestic deposits to total assets | 76.5904% | 6,389 |
| Equity capital to assets | 11.2885% | 2,803 |
| Core capital (leverage) ratio | 11.2778% | 2,063 |
| Tier 1 risk-based capital ratio | 16.0428% | 3,143 |
| Total risk-based capital ratio | 17.1758% | 3,170 |
| Memoranda: | ||
| Average total assets | $165,407,670 | 3,579 |
| Average earning assets | $149,628,330 | 3,610 |
| Average equity | $18,361,000 | 3,445 |
| Average total loans | $137,827,000 | 2,785 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 3,975 |
| Cost of funding earning assets | 1.1945% | 1,017 |
| Net interest margin | 3.2923% | 5,500 |
| Noninterest income to average assets | 0.4276% | 4,473 |
| Noninterest expense to average assets | 3.3274% | 2,210 |
| Loan and lease loss provision to assets | 0.0817% | 4,369 |
| Net operating income to assets | 0.0312% | 6,364 |
| Return on assets (ROA) | 0.0312% | 6,480 |
| Pretax return on assets | 0.0048% | 6,519 |
| Return on Equity (ROE) | 0.2837% | 6,479 |
| Retained earnings to average equity (ytd only) | 0.2837% | 5,893 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4666% | 659 |
| Assets per employee ($millions) | 3.8621% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,323 |
| Loan loss allowance to noncurrent loans | 30.1903% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 3.1466% | 1,842 |
| Noncurrent loans to loans | 3.2435% | 1,976 |
| Net loans and leases to total assets | 81.1671% | 327 |
| Net loans and leases to deposits | 109.6198% | 143 |
| Net loans and leases to core deposits | 115.8884% | 384 |
| Total domestic deposits to total assets | 74.0442% | 6,740 |
| Equity capital to assets | 10.7897% | 3,160 |
| Core capital (leverage) ratio | 10.7789% | 2,466 |
| Tier 1 risk-based capital ratio | 15.7782% | 3,298 |
| Total risk-based capital ratio | 16.9533% | 3,307 |
| Memoranda: | ||
| Average total assets | $166,497,500 | 3,576 |
| Average earning assets | $151,021,000 | 3,596 |
| Average equity | $18,328,500 | 3,450 |
| Average total loans | $137,726,000 | 2,815 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 4,855 |
| Cost of funding earning assets | 1.2633% | 1,662 |
| Net interest margin | 3.2923% | 5,828 |
| Noninterest income to average assets | 0.4393% | 4,304 |
| Noninterest expense to average assets | 3.1453% | 3,044 |
| Loan and lease loss provision to assets | 0.0428% | 6,041 |
| Net operating income to assets | 0.1762% | 5,653 |
| Return on assets (ROA) | 0.1762% | 5,799 |
| Pretax return on assets | 0.2233% | 5,732 |
| Return on Equity (ROE) | 1.5805% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.5805% | 5,084 |
| Net charge-offs to loans | 0.0505% | 5,810 |
| Credit loss provision to net charge-offs | 101.4493% | 3,421 |
| Earnings coverage of net charge-offs (x) | 6.3043% | 2,547 |
| Efficiency ratio | 92.1987% | 1,030 |
| Assets per employee ($millions) | 3.7922% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 6,313 |
| Loan loss allowance to noncurrent loans | 33.3250% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 2.9565% | 2,032 |
| Noncurrent loans to loans | 2.9311% | 2,222 |
| Net loans and leases to total assets | 82.6853% | 291 |
| Net loans and leases to deposits | 113.1238% | 129 |
| Net loans and leases to core deposits | 119.6766% | 363 |
| Total domestic deposits to total assets | 73.0928% | 6,801 |
| Equity capital to assets | 11.2361% | 2,752 |
| Core capital (leverage) ratio | 11.2246% | 2,102 |
| Tier 1 risk-based capital ratio | 16.0706% | 3,009 |
| Total risk-based capital ratio | 17.2385% | 3,015 |
| Memoranda: | ||
| Average total assets | $163,450,000 | 3,583 |
| Average earning assets | $147,555,600 | 3,614 |
| Average equity | $18,222,400 | 3,398 |
| Average total loans | $136,623,200 | 2,866 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 4,901 |
| Cost of funding earning assets | 1.2700% | 1,862 |
| Net interest margin | 3.3202% | 5,806 |
| Noninterest income to average assets | 0.4256% | 4,474 |
| Noninterest expense to average assets | 3.1044% | 3,143 |
| Loan and lease loss provision to assets | 0.0326% | 6,033 |
| Net operating income to assets | 0.2160% | 5,654 |
| Return on assets (ROA) | 0.2160% | 5,789 |
| Pretax return on assets | 0.2829% | 5,738 |
| Return on Equity (ROE) | 1.9416% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.9416% | 5,166 |
| Net charge-offs to loans | -0.0039% | 6,699 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7747% | 1,121 |
| Assets per employee ($millions) | 3.4670% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 6,169 |
| Loan loss allowance to noncurrent loans | 29.7122% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 3.3998% | 1,861 |
| Noncurrent loans to loans | 3.4323% | 2,001 |
| Net loans and leases to total assets | 83.5579% | 252 |
| Net loans and leases to deposits | 115.1027% | 117 |
| Net loans and leases to core deposits | 120.7877% | 364 |
| Total domestic deposits to total assets | 72.5942% | 6,889 |
| Equity capital to assets | 11.4747% | 2,705 |
| Core capital (leverage) ratio | 11.4620% | 2,054 |
| Tier 1 risk-based capital ratio | 16.2380% | 2,999 |
| Total risk-based capital ratio | 17.4578% | 2,974 |
| Memoranda: | ||
| Average total assets | $163,546,500 | 3,614 |
| Average earning assets | $147,499,500 | 3,637 |
| Average equity | $18,197,500 | 3,405 |
| Average total loans | $136,739,000 | 2,890 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 4,959 |
| Cost of funding earning assets | 1.2727% | 2,101 |
| Net interest margin | 3.3270% | 5,782 |
| Noninterest income to average assets | 0.4548% | 4,249 |
| Noninterest expense to average assets | 3.0079% | 3,613 |
| Loan and lease loss provision to assets | 0.0121% | 6,124 |
| Net operating income to assets | 0.3153% | 5,308 |
| Return on assets (ROA) | 0.3153% | 5,449 |
| Pretax return on assets | 0.4342% | 5,283 |
| Return on Equity (ROE) | 2.8629% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.8629% | 4,460 |
| Net charge-offs to loans | 0.0116% | 5,688 |
| Credit loss provision to net charge-offs | 125.0000% | 2,438 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 672 |
| Efficiency ratio | 87.0787% | 1,506 |
| Assets per employee ($millions) | 3.6956% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 6,433 |
| Loan loss allowance to noncurrent loans | 28.5377% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 3.3609% | 1,968 |
| Noncurrent loans to loans | 3.4182% | 2,074 |
| Net loans and leases to total assets | 83.0936% | 300 |
| Net loans and leases to deposits | 113.5906% | 134 |
| Net loans and leases to core deposits | 119.0229% | 443 |
| Total domestic deposits to total assets | 73.1518% | 6,909 |
| Equity capital to assets | 11.2523% | 2,723 |
| Core capital (leverage) ratio | 11.2348% | 2,085 |
| Tier 1 risk-based capital ratio | 16.0167% | 2,970 |
| Total risk-based capital ratio | 17.1839% | 2,981 |
| Memoranda: | ||
| Average total assets | $164,901,670 | 3,609 |
| Average earning assets | $148,662,000 | 3,642 |
| Average equity | $18,163,330 | 3,391 |
| Average total loans | $137,441,330 | 2,898 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6153% | 4,884 |
| Cost of funding earning assets | 1.2842% | 2,277 |
| Net interest margin | 3.3310% | 5,672 |
| Noninterest income to average assets | 0.4577% | 4,209 |
| Noninterest expense to average assets | 3.0617% | 3,414 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2891% | 5,461 |
| Return on assets (ROA) | 0.2891% | 5,535 |
| Pretax return on assets | 0.3951% | 5,358 |
| Return on Equity (ROE) | 2.6524% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.6524% | 4,576 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5714% | 1,456 |
| Assets per employee ($millions) | 4.0629% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 6,513 |
| Loan loss allowance to noncurrent loans | 35.0752% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 2.9043% | 2,377 |
| Noncurrent loans to loans | 2.7366% | 2,762 |
| Net loans and leases to total assets | 82.3196% | 321 |
| Net loans and leases to deposits | 113.8842% | 135 |
| Net loans and leases to core deposits | 119.7520% | 422 |
| Total domestic deposits to total assets | 72.2836% | 7,059 |
| Equity capital to assets | 10.8993% | 2,774 |
| Core capital (leverage) ratio | 10.8811% | 2,280 |
| Tier 1 risk-based capital ratio | 15.6386% | 3,080 |
| Total risk-based capital ratio | 16.7855% | 3,095 |
| Memoranda: | ||
| Average total assets | $166,049,000 | 3,619 |
| Average earning assets | $149,504,000 | 3,651 |
| Average equity | $18,096,500 | 3,388 |
| Average total loans | $137,938,500 | 2,929 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 4,551 |
| Cost of funding earning assets | 1.6753% | 1,705 |
| Net interest margin | 3.3265% | 5,885 |
| Noninterest income to average assets | 6.3809% | 105 |
| Noninterest expense to average assets | 3.9507% | 1,237 |
| Loan and lease loss provision to assets | 0.4297% | 3,542 |
| Net operating income to assets | 3.2726% | 61 |
| Return on assets (ROA) | 3.2592% | 64 |
| Pretax return on assets | 4.8892% | 52 |
| Return on Equity (ROE) | 38.7733% | 21 |
| Retained earnings to average equity (ytd only) | 38.7733% | 7 |
| Net charge-offs to loans | 0.6284% | 3,141 |
| Credit loss provision to net charge-offs | 81.1947% | 5,514 |
| Earnings coverage of net charge-offs (x) | 10.0874% | 1,754 |
| Efficiency ratio | 42.5285% | 7,450 |
| Assets per employee ($millions) | 3.7618% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 6,505 |
| Loan loss allowance to noncurrent loans | 48.5568% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 2.2874% | 2,980 |
| Noncurrent loans to loans | 1.9917% | 3,574 |
| Net loans and leases to total assets | 82.2213% | 435 |
| Net loans and leases to deposits | 115.3108% | 153 |
| Net loans and leases to core deposits | 121.3895% | 492 |
| Total domestic deposits to total assets | 71.3040% | 7,144 |
| Equity capital to assets | 10.8973% | 2,776 |
| Core capital (leverage) ratio | 10.8785% | 2,246 |
| Tier 1 risk-based capital ratio | 15.7552% | 2,866 |
| Total risk-based capital ratio | 16.9183% | 2,875 |
| Memoranda: | ||
| Average total assets | $170,806,600 | 3,520 |
| Average earning assets | $149,346,400 | 3,644 |
| Average equity | $14,357,800 | 4,056 |
| Average total loans | $143,847,400 | 2,869 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 4,491 |
| Cost of funding earning assets | 1.7622% | 1,578 |
| Net interest margin | 3.3058% | 5,999 |
| Noninterest income to average assets | 8.1123% | 80 |
| Noninterest expense to average assets | 4.1379% | 890 |
| Loan and lease loss provision to assets | 0.5686% | 2,660 |
| Net operating income to assets | 4.1757% | 41 |
| Return on assets (ROA) | 4.1580% | 42 |
| Pretax return on assets | 6.2494% | 35 |
| Return on Equity (ROE) | 53.2605% | 13 |
| Retained earnings to average equity (ytd only) | 53.2605% | 6 |
| Net charge-offs to loans | 0.8296% | 2,379 |
| Credit loss provision to net charge-offs | 81.1050% | 5,098 |
| Earnings coverage of net charge-offs (x) | 9.7635% | 1,966 |
| Efficiency ratio | 37.6781% | 7,620 |
| Assets per employee ($millions) | 4.1857% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 6,619 |
| Loan loss allowance to noncurrent loans | 26.4384% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 3.6262% | 1,966 |
| Noncurrent loans to loans | 3.5497% | 2,212 |
| Net loans and leases to total assets | 81.6815% | 539 |
| Net loans and leases to deposits | 114.9332% | 176 |
| Net loans and leases to core deposits | 121.7059% | 563 |
| Total domestic deposits to total assets | 71.0686% | 7,211 |
| Equity capital to assets | 10.4013% | 3,639 |
| Core capital (leverage) ratio | 10.3804% | 2,821 |
| Tier 1 risk-based capital ratio | 15.2506% | 3,128 |
| Total risk-based capital ratio | 16.3878% | 3,166 |
| Memoranda: | ||
| Average total assets | $172,128,750 | 3,538 |
| Average earning assets | $149,431,250 | 3,692 |
| Average equity | $13,438,000 | 4,341 |
| Average total loans | $145,454,250 | 2,885 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2148% | 3,877 |
| Cost of funding earning assets | 1.8220% | 1,555 |
| Net interest margin | 3.3927% | 5,667 |
| Noninterest income to average assets | 0.3517% | 5,334 |
| Noninterest expense to average assets | 4.2170% | 800 |
| Loan and lease loss provision to assets | 0.8381% | 1,733 |
| Net operating income to assets | -1.1677% | 7,014 |
| Return on assets (ROA) | -1.1677% | 7,036 |
| Pretax return on assets | -1.8050% | 7,176 |
| Return on Equity (ROE) | -16.8124% | 7,198 |
| Retained earnings to average equity (ytd only) | -16.8124% | 7,164 |
| Net charge-offs to loans | 1.0792% | 1,745 |
| Credit loss provision to net charge-offs | 91.1616% | 4,386 |
| Earnings coverage of net charge-offs (x) | -1.0518% | 6,126 |
| Efficiency ratio | 129.7500% | 317 |
| Assets per employee ($millions) | 4.0059% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,439 |
| Loan loss allowance to noncurrent loans | 26.2780% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 4.0591% | 1,690 |
| Noncurrent loans to loans | 3.7793% | 2,046 |
| Net loans and leases to total assets | 82.7024% | 468 |
| Net loans and leases to deposits | 116.2646% | 172 |
| Net loans and leases to core deposits | 122.2919% | 619 |
| Total domestic deposits to total assets | 71.1329% | 7,255 |
| Equity capital to assets | 6.6605% | 7,449 |
| Core capital (leverage) ratio | 6.3609% | 7,416 |
| Tier 1 risk-based capital ratio | 9.0480% | 7,400 |
| Total risk-based capital ratio | 10.2318% | 7,431 |
| Memoranda: | ||
| Average total assets | $172,300,670 | 3,566 |
| Average earning assets | $147,197,330 | 3,759 |
| Average equity | $11,967,330 | 4,685 |
| Average total loans | $146,771,000 | 2,887 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 4,815 |
| Cost of funding earning assets | 1.8317% | 1,742 |
| Net interest margin | 3.2116% | 6,261 |
| Noninterest income to average assets | 0.3180% | 5,601 |
| Noninterest expense to average assets | 3.4540% | 2,095 |
| Loan and lease loss provision to assets | 1.5924% | 725 |
| Net operating income to assets | -1.2674% | 7,244 |
| Return on assets (ROA) | -1.2674% | 7,261 |
| Pretax return on assets | -1.9568% | 7,404 |
| Return on Equity (ROE) | -17.8804% | 7,391 |
| Retained earnings to average equity (ytd only) | -17.8804% | 7,307 |
| Net charge-offs to loans | 2.1402% | 795 |
| Credit loss provision to net charge-offs | 86.5069% | 3,738 |
| Earnings coverage of net charge-offs (x) | -0.1980% | 5,161 |
| Efficiency ratio | 111.7956% | 565 |
| Assets per employee ($millions) | 4.2690% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 6,699 |
| Loan loss allowance to noncurrent loans | 27.7512% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 4.4067% | 1,541 |
| Noncurrent loans to loans | 3.3963% | 2,357 |
| Net loans and leases to total assets | 85.6747% | 234 |
| Net loans and leases to deposits | 118.4387% | 158 |
| Net loans and leases to core deposits | 124.2391% | 640 |
| Total domestic deposits to total assets | 72.3368% | 7,232 |
| Equity capital to assets | 6.9911% | 7,374 |
| Core capital (leverage) ratio | 6.6867% | 7,396 |
| Tier 1 risk-based capital ratio | 9.0686% | 7,464 |
| Total risk-based capital ratio | 10.1778% | 7,505 |
| Memoranda: | ||
| Average total assets | $172,323,500 | 3,624 |
| Average earning assets | $148,712,500 | 3,782 |
| Average equity | $12,214,500 | 4,655 |
| Average total loans | $148,212,500 | 2,924 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2564% | 5,380 |
| Cost of funding earning assets | 2.2268% | 1,911 |
| Net interest margin | 3.0295% | 6,565 |
| Noninterest income to average assets | 0.6513% | 3,281 |
| Noninterest expense to average assets | 3.0716% | 3,866 |
| Loan and lease loss provision to assets | 0.3726% | 4,545 |
| Net operating income to assets | -0.0536% | 5,590 |
| Return on assets (ROA) | -0.0450% | 5,601 |
| Pretax return on assets | -0.1008% | 5,603 |
| Return on Equity (ROE) | -0.6752% | 5,649 |
| Retained earnings to average equity (ytd only) | -0.6752% | 5,165 |
| Net charge-offs to loans | 0.5494% | 3,587 |
| Credit loss provision to net charge-offs | 78.8876% | 6,312 |
| Earnings coverage of net charge-offs (x) | 0.5471% | 5,562 |
| Efficiency ratio | 92.2408% | 1,550 |
| Assets per employee ($millions) | 3.9520% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 6,328 |
| Loan loss allowance to noncurrent loans | 31.9821% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 4.2522% | 1,542 |
| Noncurrent loans to loans | 3.1513% | 2,433 |
| Net loans and leases to total assets | 84.6733% | 380 |
| Net loans and leases to deposits | 118.6116% | 194 |
| Net loans and leases to core deposits | 151.0707% | 488 |
| Total domestic deposits to total assets | 71.3870% | 7,297 |
| Equity capital to assets | 7.1834% | 7,270 |
| Core capital (leverage) ratio | 6.9845% | 7,250 |
| Tier 1 risk-based capital ratio | 9.3613% | 7,297 |
| Total risk-based capital ratio | 10.5192% | 7,344 |
| Memoranda: | ||
| Average total assets | $186,547,400 | 3,330 |
| Average earning assets | $164,942,800 | 3,424 |
| Average equity | $12,441,400 | 4,647 |
| Average total loans | $160,344,800 | 2,758 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 5,645 |
| Cost of funding earning assets | 2.2847% | 2,045 |
| Net interest margin | 2.9731% | 6,676 |
| Noninterest income to average assets | 0.7183% | 2,895 |
| Noninterest expense to average assets | 3.0551% | 3,821 |
| Loan and lease loss provision to assets | 0.4631% | 3,592 |
| Net operating income to assets | -0.0801% | 5,859 |
| Return on assets (ROA) | -0.0689% | 5,883 |
| Pretax return on assets | -0.1356% | 5,891 |
| Return on Equity (ROE) | -1.0513% | 5,937 |
| Retained earnings to average equity (ytd only) | -1.0513% | 5,500 |
| Net charge-offs to loans | 0.6714% | 2,682 |
| Credit loss provision to net charge-offs | 80.1703% | 5,762 |
| Earnings coverage of net charge-offs (x) | 0.5365% | 5,498 |
| Efficiency ratio | 90.7895% | 1,622 |
| Assets per employee ($millions) | 4.0085% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,320 |
| Loan loss allowance to noncurrent loans | 31.5244% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 4.1523% | 1,515 |
| Noncurrent loans to loans | 3.1610% | 2,391 |
| Net loans and leases to total assets | 83.8284% | 562 |
| Net loans and leases to deposits | 114.3595% | 313 |
| Net loans and leases to core deposits | 149.2769% | 593 |
| Total domestic deposits to total assets | 73.3025% | 7,047 |
| Equity capital to assets | 6.9175% | 7,631 |
| Core capital (leverage) ratio | 6.8818% | 7,503 |
| Tier 1 risk-based capital ratio | 9.1456% | 7,559 |
| Total risk-based capital ratio | 10.2674% | 7,628 |
| Memoranda: | ||
| Average total assets | $189,712,750 | 3,314 |
| Average earning assets | $168,889,500 | 3,390 |
| Average equity | $12,429,000 | 4,676 |
| Average total loans | $163,247,500 | 2,740 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 5,510 |
| Cost of funding earning assets | 2.3303% | 2,235 |
| Net interest margin | 2.9976% | 6,560 |
| Noninterest income to average assets | 0.8899% | 2,023 |
| Noninterest expense to average assets | 3.0422% | 3,906 |
| Loan and lease loss provision to assets | 0.6835% | 2,379 |
| Net operating income to assets | -0.0871% | 5,983 |
| Return on assets (ROA) | -0.0705% | 6,021 |
| Pretax return on assets | -0.1400% | 6,054 |
| Return on Equity (ROE) | -1.0957% | 6,083 |
| Retained earnings to average equity (ytd only) | -1.0957% | 5,508 |
| Net charge-offs to loans | 0.9859% | 1,782 |
| Credit loss provision to net charge-offs | 80.1703% | 5,193 |
| Earnings coverage of net charge-offs (x) | 0.6071% | 5,103 |
| Efficiency ratio | 85.4604% | 2,294 |
| Assets per employee ($millions) | 3.5839% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 6,410 |
| Loan loss allowance to noncurrent loans | 36.0407% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 3.7499% | 1,635 |
| Noncurrent loans to loans | 2.7091% | 2,659 |
| Net loans and leases to total assets | 84.4516% | 572 |
| Net loans and leases to deposits | 116.2710% | 320 |
| Net loans and leases to core deposits | 146.6510% | 736 |
| Total domestic deposits to total assets | 72.6335% | 7,164 |
| Equity capital to assets | 6.8455% | 7,687 |
| Core capital (leverage) ratio | 6.8067% | 7,651 |
| Tier 1 risk-based capital ratio | 9.0029% | 7,695 |
| Total risk-based capital ratio | 10.1048% | 7,807 |
| Memoranda: | ||
| Average total assets | $192,822,330 | 3,309 |
| Average earning assets | $171,735,670 | 3,367 |
| Average equity | $12,412,670 | 4,706 |
| Average total loans | $166,751,670 | 2,719 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 4,342 |
| Cost of funding earning assets | 2.3821% | 2,369 |
| Net interest margin | 3.2199% | 5,795 |
| Noninterest income to average assets | 0.9927% | 1,501 |
| Noninterest expense to average assets | 2.9639% | 3,922 |
| Loan and lease loss provision to assets | 1.3324% | 962 |
| Net operating income to assets | -0.2556% | 6,625 |
| Return on assets (ROA) | -0.2103% | 6,651 |
| Pretax return on assets | -0.3579% | 6,714 |
| Return on Equity (ROE) | -3.3649% | 6,819 |
| Retained earnings to average equity (ytd only) | -3.3649% | 6,339 |
| Net charge-offs to loans | 1.8561% | 780 |
| Credit loss provision to net charge-offs | 82.4781% | 4,154 |
| Earnings coverage of net charge-offs (x) | 0.5594% | 4,548 |
| Efficiency ratio | 76.6336% | 3,381 |
| Assets per employee ($millions) | 3.7508% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 6,390 |
| Loan loss allowance to noncurrent loans | 92.2388% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 2.2913% | 2,506 |
| Noncurrent loans to loans | 1.0475% | 4,887 |
| Net loans and leases to total assets | 84.4368% | 627 |
| Net loans and leases to deposits | 117.1997% | 353 |
| Net loans and leases to core deposits | 151.3621% | 661 |
| Total domestic deposits to total assets | 72.0453% | 7,203 |
| Equity capital to assets | 6.6456% | 7,828 |
| Core capital (leverage) ratio | 6.6351% | 7,827 |
| Tier 1 risk-based capital ratio | 8.8093% | 7,876 |
| Total risk-based capital ratio | 9.9033% | 7,968 |
| Memoranda: | ||
| Average total assets | $197,844,500 | 3,265 |
| Average earning assets | $176,653,000 | 3,327 |
| Average equity | $12,363,000 | 4,733 |
| Average total loans | $172,187,000 | 2,682 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9918% | 5,583 |
| Cost of funding earning assets | 2.8343% | 2,559 |
| Net interest margin | 3.1575% | 6,502 |
| Noninterest income to average assets | 1.7919% | 418 |
| Noninterest expense to average assets | 2.8222% | 4,729 |
| Loan and lease loss provision to assets | 4.8499% | 113 |
| Net operating income to assets | -1.8775% | 7,577 |
| Return on assets (ROA) | -1.8775% | 7,533 |
| Pretax return on assets | -2.9643% | 7,699 |
| Return on Equity (ROE) | -26.0158% | 7,880 |
| Retained earnings to average equity (ytd only) | -26.0158% | 7,829 |
| Net charge-offs to loans | -0.0150% | 7,897 |
| Credit loss provision to net charge-offs | -37,551.8519% | 7,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9472% | 6,348 |
| Assets per employee ($millions) | 4.2480% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 4,826 |
| Loan loss allowance to noncurrent loans | 44.5691% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 2.3132% | 2,105 |
| Noncurrent loans to loans | 2.6101% | 2,076 |
| Net loans and leases to total assets | 87.5960% | 407 |
| Net loans and leases to deposits | 140.3259% | 106 |
| Net loans and leases to core deposits | 174.8006% | 339 |
| Total domestic deposits to total assets | 62.4233% | 7,864 |
| Equity capital to assets | 5.8914% | 8,079 |
| Core capital (leverage) ratio | 6.0145% | 8,076 |
| Tier 1 risk-based capital ratio | 8.0962% | 8,071 |
| Total risk-based capital ratio | 9.3476% | 8,108 |
| Memoranda: | ||
| Average total assets | $209,054,600 | 3,019 |
| Average earning assets | $193,063,600 | 2,993 |
| Average equity | $15,087,000 | 4,122 |
| Average total loans | $180,458,000 | 2,494 |