Home > First Sound Bank > Performance and Condition Ratios
First Sound Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0410% | 1,753 |
| Cost of funding earning assets | 2.0739% | 622 |
| Net interest margin | 2.9671% | 3,407 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.9996% | 1,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1433% | 4,283 |
| Return on assets (ROA) | 0.1433% | 4,298 |
| Pretax return on assets | 0.1433% | 4,308 |
| Return on Equity (ROE) | 1.6000% | 4,248 |
| Retained earnings to average equity (ytd only) | 1.5960% | 3,818 |
| Net charge-offs to loans | -0.0028% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.2624% | 240 |
| Assets per employee ($millions) | 8.9369% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,441 |
| Loan loss allowance to noncurrent loans | 119.0545% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 642 |
| Noncurrent loans to loans | 0.9952% | 809 |
| Net loans and leases to total assets | 84.8700% | 223 |
| Net loans and leases to deposits | 111.8110% | 172 |
| Net loans and leases to core deposits | 128.7888% | 355 |
| Total domestic deposits to total assets | 75.9100% | 4,018 |
| Equity capital to assets | 9.3222% | 2,211 |
| Core capital (leverage) ratio | 9.5053% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $166,553,000 | 3,225 |
| Average earning assets | $160,465,750 | 3,179 |
| Average equity | $14,953,500 | 3,263 |
| Average total loans | $142,575,750 | 2,743 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 1,589 |
| Cost of funding earning assets | 1.8981% | 610 |
| Net interest margin | 3.0892% | 3,248 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.8044% | 1,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3669% | 4,057 |
| Return on assets (ROA) | 0.3669% | 4,076 |
| Pretax return on assets | 0.3787% | 4,146 |
| Return on Equity (ROE) | 4.1400% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.1367% | 3,182 |
| Net charge-offs to loans | -0.0042% | 3,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.9523% | 427 |
| Assets per employee ($millions) | 8.3676% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 2,726 |
| Loan loss allowance to noncurrent loans | 119.0545% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8649% | 576 |
| Noncurrent loans to loans | 0.9624% | 786 |
| Net loans and leases to total assets | 88.8400% | 59 |
| Net loans and leases to deposits | 123.8107% | 72 |
| Net loans and leases to core deposits | 154.9297% | 120 |
| Total domestic deposits to total assets | 71.7500% | 4,303 |
| Equity capital to assets | 9.4311% | 2,214 |
| Core capital (leverage) ratio | 9.1417% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $168,449,333 | 3,221 |
| Average earning assets | $162,374,333 | 3,175 |
| Average equity | $14,939,333 | 3,277 |
| Average total loans | $144,045,667 | 2,729 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,678 |
| Cost of funding earning assets | 1.7358% | 511 |
| Net interest margin | 3.0388% | 3,500 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.7231% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4111% | 4,072 |
| Return on assets (ROA) | 0.4111% | 4,018 |
| Pretax return on assets | 0.4111% | 4,115 |
| Return on Equity (ROE) | 4.7700% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.7747% | 3,068 |
| Net charge-offs to loans | -0.0055% | 3,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.7354% | 477 |
| Assets per employee ($millions) | 9.1969% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,849 |
| Loan loss allowance to noncurrent loans | 115.7820% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 589 |
| Noncurrent loans to loans | 0.9858% | 745 |
| Net loans and leases to total assets | 81.0900% | 448 |
| Net loans and leases to deposits | 93.0977% | 844 |
| Net loans and leases to core deposits | 116.6576% | 519 |
| Total domestic deposits to total assets | 87.1100% | 2,222 |
| Equity capital to assets | 8.5561% | 2,847 |
| Core capital (leverage) ratio | 8.8053% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $173,182,000 | 3,239 |
| Average earning assets | $167,301,500 | 3,171 |
| Average equity | $14,912,000 | 3,315 |
| Average total loans | $144,631,500 | 2,757 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 1,756 |
| Cost of funding earning assets | 0.6905% | 604 |
| Net interest margin | 3.2947% | 2,577 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 3.0225% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3837% | 4,260 |
| Return on assets (ROA) | 0.3837% | 4,225 |
| Pretax return on assets | 0.3837% | 4,292 |
| Return on Equity (ROE) | 4.0000% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.9953% | 3,399 |
| Net charge-offs to loans | 0.0100% | 2,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 45.8462% | 1,421 |
| Efficiency ratio | 88.5655% | 337 |
| Assets per employee ($millions) | 9.0328% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,288 |
| Loan loss allowance to noncurrent loans | 90.7362% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 455 |
| Noncurrent loans to loans | 1.1170% | 644 |
| Net loans and leases to total assets | 84.1600% | 243 |
| Net loans and leases to deposits | 109.2510% | 171 |
| Net loans and leases to core deposits | 120.5951% | 360 |
| Total domestic deposits to total assets | 77.0400% | 4,165 |
| Equity capital to assets | 8.6661% | 2,584 |
| Core capital (leverage) ratio | 9.1915% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $155,333,200 | 3,389 |
| Average earning assets | $149,606,000 | 3,333 |
| Average equity | $14,917,600 | 3,376 |
| Average total loans | $130,546,800 | 2,820 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7457% | 1,904 |
| Cost of funding earning assets | 0.4945% | 768 |
| Net interest margin | 3.2512% | 2,454 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 3.0490% | 851 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3103% | 4,373 |
| Return on assets (ROA) | 0.3103% | 4,329 |
| Pretax return on assets | 0.3103% | 4,365 |
| Return on Equity (ROE) | 3.1400% | 4,280 |
| Retained earnings to average equity (ytd only) | 3.1437% | 3,739 |
| Net charge-offs to loans | 0.0137% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 27.0769% | 1,569 |
| Efficiency ratio | 90.5799% | 304 |
| Assets per employee ($millions) | 8.4943% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 2,937 |
| Loan loss allowance to noncurrent loans | 102.0000% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 533 |
| Noncurrent loans to loans | 1.0953% | 685 |
| Net loans and leases to total assets | 81.1100% | 434 |
| Net loans and leases to deposits | 110.8202% | 119 |
| Net loans and leases to core deposits | 118.3893% | 290 |
| Total domestic deposits to total assets | 73.1900% | 4,474 |
| Equity capital to assets | 9.1256% | 2,130 |
| Core capital (leverage) ratio | 9.7226% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $151,260,750 | 3,459 |
| Average earning assets | $145,585,250 | 3,393 |
| Average equity | $14,928,750 | 3,410 |
| Average total loans | $126,702,750 | 2,860 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5496% | 1,997 |
| Cost of funding earning assets | 0.4131% | 844 |
| Net interest margin | 3.1365% | 2,415 |
| Noninterest income to average assets | 0.2042% | 3,975 |
| Noninterest expense to average assets | 3.0159% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2069% | 4,410 |
| Return on assets (ROA) | 0.2069% | 4,370 |
| Pretax return on assets | 0.2069% | 4,404 |
| Return on Equity (ROE) | 2.0406% | 4,351 |
| Retained earnings to average equity (ytd only) | 2.0406% | 3,739 |
| Net charge-offs to loans | 0.0256% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.5625% | 1,785 |
| Efficiency ratio | 93.3697% | 306 |
| Assets per employee ($millions) | 8.5587% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,086 |
| Loan loss allowance to noncurrent loans | 96.7869% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9899% | 476 |
| Noncurrent loans to loans | 1.1556% | 697 |
| Net loans and leases to total assets | 84.7005% | 154 |
| Net loans and leases to deposits | 114.0611% | 67 |
| Net loans and leases to core deposits | 115.3690% | 256 |
| Total domestic deposits to total assets | 74.2589% | 4,525 |
| Equity capital to assets | 9.4971% | 2,018 |
| Core capital (leverage) ratio | 9.8860% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,883,667 | 3,522 |
| Average earning assets | $142,325,667 | 3,472 |
| Average equity | $14,995,667 | 3,490 |
| Average total loans | $124,809,667 | 2,897 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4750% | 1,885 |
| Cost of funding earning assets | 0.3953% | 895 |
| Net interest margin | 3.0796% | 2,237 |
| Noninterest income to average assets | 0.1436% | 4,294 |
| Noninterest expense to average assets | 3.0802% | 708 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0331% | 4,524 |
| Return on assets (ROA) | 0.0331% | 4,503 |
| Pretax return on assets | 0.0331% | 4,499 |
| Return on Equity (ROE) | 0.3162% | 4,501 |
| Retained earnings to average equity (ytd only) | 0.3162% | 3,953 |
| Net charge-offs to loans | 0.0660% | 668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 1,767 |
| Efficiency ratio | 98.7578% | 265 |
| Assets per employee ($millions) | 7.8763% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,885 |
| Loan loss allowance to noncurrent loans | 96.5902% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0191% | 489 |
| Noncurrent loans to loans | 1.2371% | 710 |
| Net loans and leases to total assets | 81.3878% | 186 |
| Net loans and leases to deposits | 108.2275% | 78 |
| Net loans and leases to core deposits | 109.4874% | 272 |
| Total domestic deposits to total assets | 75.2006% | 4,534 |
| Equity capital to assets | 10.0308% | 1,866 |
| Core capital (leverage) ratio | 10.3240% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,797,000 | 3,567 |
| Average earning assets | $139,627,000 | 3,505 |
| Average equity | $15,178,000 | 3,549 |
| Average total loans | $121,233,000 | 2,934 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3781% | 2,984 |
| Cost of funding earning assets | 0.4279% | 1,342 |
| Net interest margin | 2.9502% | 3,320 |
| Noninterest income to average assets | 0.4556% | 2,786 |
| Noninterest expense to average assets | 2.9413% | 1,077 |
| Loan and lease loss provision to assets | 0.0453% | 2,149 |
| Net operating income to assets | 1.4958% | 1,025 |
| Return on assets (ROA) | 1.4958% | 1,081 |
| Pretax return on assets | 0.3510% | 4,439 |
| Return on Equity (ROE) | 16.7858% | 624 |
| Retained earnings to average equity (ytd only) | 16.7858% | 134 |
| Net charge-offs to loans | -0.0109% | 3,773 |
| Credit loss provision to net charge-offs | -507.1429% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9541% | 391 |
| Assets per employee ($millions) | 7.7747% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,617 |
| Loan loss allowance to noncurrent loans | 96.0721% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.1097% | 470 |
| Noncurrent loans to loans | 1.3029% | 728 |
| Net loans and leases to total assets | 84.1080% | 108 |
| Net loans and leases to deposits | 107.6554% | 98 |
| Net loans and leases to core deposits | 108.6922% | 307 |
| Total domestic deposits to total assets | 78.1271% | 4,381 |
| Equity capital to assets | 10.9650% | 1,812 |
| Core capital (leverage) ratio | 10.3327% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,701,800 | 3,425 |
| Average earning assets | $153,075,800 | 3,346 |
| Average equity | $13,964,200 | 3,744 |
| Average total loans | $127,950,600 | 2,879 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2580% | 3,494 |
| Cost of funding earning assets | 0.4282% | 1,493 |
| Net interest margin | 2.8298% | 3,708 |
| Noninterest income to average assets | 0.5411% | 2,452 |
| Noninterest expense to average assets | 2.6659% | 1,678 |
| Loan and lease loss provision to assets | 0.0590% | 1,812 |
| Net operating income to assets | 0.5875% | 4,023 |
| Return on assets (ROA) | 0.5875% | 4,072 |
| Pretax return on assets | 0.5875% | 4,251 |
| Return on Equity (ROE) | 6.9411% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.9411% | 2,444 |
| Net charge-offs to loans | -0.0133% | 3,793 |
| Credit loss provision to net charge-offs | -546.1538% | 3,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3102% | 724 |
| Assets per employee ($millions) | 9.0664% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,814 |
| Loan loss allowance to noncurrent loans | 81.9681% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 506 |
| Noncurrent loans to loans | 1.5092% | 697 |
| Net loans and leases to total assets | 77.2327% | 454 |
| Net loans and leases to deposits | 102.3375% | 184 |
| Net loans and leases to core deposits | 103.4861% | 472 |
| Total domestic deposits to total assets | 75.4686% | 4,573 |
| Equity capital to assets | 9.0418% | 3,791 |
| Core capital (leverage) ratio | 10.4550% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,891,000 | 3,420 |
| Average earning assets | $157,558,000 | 3,336 |
| Average equity | $13,619,000 | 3,827 |
| Average total loans | $130,139,000 | 2,887 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2762% | 3,492 |
| Cost of funding earning assets | 0.4478% | 1,535 |
| Net interest margin | 2.8284% | 3,728 |
| Noninterest income to average assets | 0.5382% | 2,454 |
| Noninterest expense to average assets | 2.5768% | 1,921 |
| Loan and lease loss provision to assets | 0.1226% | 1,024 |
| Net operating income to assets | 0.6105% | 3,959 |
| Return on assets (ROA) | 0.6105% | 4,016 |
| Pretax return on assets | 0.6105% | 4,214 |
| Return on Equity (ROE) | 7.3705% | 3,562 |
| Retained earnings to average equity (ytd only) | 7.3705% | 2,301 |
| Net charge-offs to loans | 0.0240% | 1,468 |
| Credit loss provision to net charge-offs | 625.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 37.3750% | 1,195 |
| Efficiency ratio | 77.6667% | 936 |
| Assets per employee ($millions) | 9.7202% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 3,245 |
| Loan loss allowance to noncurrent loans | 78.6807% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.1468% | 617 |
| Noncurrent loans to loans | 1.4496% | 796 |
| Net loans and leases to total assets | 78.2079% | 432 |
| Net loans and leases to deposits | 111.2409% | 99 |
| Net loans and leases to core deposits | 112.2828% | 314 |
| Total domestic deposits to total assets | 70.3049% | 4,747 |
| Equity capital to assets | 8.3005% | 4,351 |
| Core capital (leverage) ratio | 10.1580% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,145,000 | 3,403 |
| Average earning assets | $159,878,000 | 3,313 |
| Average equity | $13,513,333 | 3,841 |
| Average total loans | $133,342,333 | 2,856 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2058% | 3,678 |
| Cost of funding earning assets | 0.4259% | 1,896 |
| Net interest margin | 2.7798% | 3,811 |
| Noninterest income to average assets | 0.1431% | 4,489 |
| Noninterest expense to average assets | 2.1641% | 3,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7008% | 3,703 |
| Return on assets (ROA) | 0.7008% | 3,767 |
| Pretax return on assets | 0.7008% | 4,016 |
| Return on Equity (ROE) | 8.4700% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.4700% | 2,103 |
| Net charge-offs to loans | 0.0208% | 1,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 40.5714% | 978 |
| Efficiency ratio | 75.3661% | 1,194 |
| Assets per employee ($millions) | 9.1915% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 3,954 |
| Loan loss allowance to noncurrent loans | 54.7908% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.4642% | 442 |
| Noncurrent loans to loans | 1.7765% | 659 |
| Net loans and leases to total assets | 81.6180% | 243 |
| Net loans and leases to deposits | 123.6047% | 53 |
| Net loans and leases to core deposits | 125.3229% | 192 |
| Total domestic deposits to total assets | 66.0314% | 4,837 |
| Equity capital to assets | 7.7062% | 4,632 |
| Core capital (leverage) ratio | 10.5582% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,096,000 | 3,410 |
| Average earning assets | $158,714,000 | 3,319 |
| Average equity | $13,412,000 | 3,858 |
| Average total loans | $134,651,500 | 2,842 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,091 |
| Cost of funding earning assets | 0.4820% | 3,069 |
| Net interest margin | 3.3956% | 2,796 |
| Noninterest income to average assets | -0.1718% | 4,985 |
| Noninterest expense to average assets | 3.2967% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.1560% | 4,808 |
| Return on assets (ROA) | -0.1560% | 4,823 |
| Pretax return on assets | -0.1560% | 4,811 |
| Return on Equity (ROE) | -1.5265% | 4,831 |
| Retained earnings to average equity (ytd only) | -1.5265% | 4,674 |
| Net charge-offs to loans | 0.0714% | 1,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -2.6883% | 3,366 |
| Efficiency ratio | 104.7265% | 139 |
| Assets per employee ($millions) | 9.3471% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,349 |
| Loan loss allowance to noncurrent loans | 47.2782% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.9899% | 285 |
| Noncurrent loans to loans | 2.3738% | 441 |
| Net loans and leases to total assets | 82.8858% | 237 |
| Net loans and leases to deposits | 116.8344% | 93 |
| Net loans and leases to core deposits | 118.7836% | 327 |
| Total domestic deposits to total assets | 70.9429% | 4,754 |
| Equity capital to assets | 8.9372% | 4,111 |
| Core capital (leverage) ratio | 10.5814% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,707,600 | 3,596 |
| Average earning assets | $129,460,000 | 3,511 |
| Average equity | $13,560,600 | 3,807 |
| Average total loans | $107,776,800 | 3,121 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 1,694 |
| Cost of funding earning assets | 0.4640% | 3,450 |
| Net interest margin | 3.9888% | 1,140 |
| Noninterest income to average assets | -0.2687% | 5,018 |
| Noninterest expense to average assets | 3.5538% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0664% | 4,730 |
| Return on assets (ROA) | 0.0664% | 4,752 |
| Pretax return on assets | 0.0664% | 4,751 |
| Return on Equity (ROE) | 0.6270% | 4,740 |
| Retained earnings to average equity (ytd only) | 0.6270% | 4,352 |
| Net charge-offs to loans | 0.1341% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 0.6154% | 3,118 |
| Efficiency ratio | 97.9650% | 192 |
| Assets per employee ($millions) | 8.9884% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,727 |
| Loan loss allowance to noncurrent loans | 63.5067% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 628 |
| Noncurrent loans to loans | 1.8715% | 684 |
| Net loans and leases to total assets | 75.0829% | 1,229 |
| Net loans and leases to deposits | 102.6998% | 428 |
| Net loans and leases to core deposits | 104.5614% | 899 |
| Total domestic deposits to total assets | 73.1092% | 4,629 |
| Equity capital to assets | 8.9403% | 4,155 |
| Core capital (leverage) ratio | 11.4004% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,496,000 | 3,635 |
| Average earning assets | $125,280,750 | 3,553 |
| Average equity | $13,609,250 | 3,810 |
| Average total loans | $103,379,500 | 3,195 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 469 |
| Cost of funding earning assets | 0.4852% | 3,624 |
| Net interest margin | 4.8249% | 272 |
| Noninterest income to average assets | -0.6014% | 5,050 |
| Noninterest expense to average assets | 4.1132% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0233% | 4,801 |
| Return on assets (ROA) | -0.0233% | 4,806 |
| Pretax return on assets | -0.0233% | 4,800 |
| Return on Equity (ROE) | -0.2060% | 4,808 |
| Retained earnings to average equity (ytd only) | -0.2060% | 4,348 |
| Net charge-offs to loans | 0.1251% | 1,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -0.2258% | 2,943 |
| Efficiency ratio | 100.3656% | 179 |
| Assets per employee ($millions) | 7.7204% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,502 |
| Loan loss allowance to noncurrent loans | 69.2457% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.1774% | 307 |
| Noncurrent loans to loans | 1.7368% | 823 |
| Net loans and leases to total assets | 79.6916% | 628 |
| Net loans and leases to deposits | 110.8374% | 218 |
| Net loans and leases to core deposits | 113.2447% | 630 |
| Total domestic deposits to total assets | 71.8995% | 4,714 |
| Equity capital to assets | 9.3184% | 3,816 |
| Core capital (leverage) ratio | 11.5725% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,393,667 | 3,717 |
| Average earning assets | $117,059,000 | 3,633 |
| Average equity | $13,592,000 | 3,816 |
| Average total loans | $99,136,333 | 3,250 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 3,840 |
| Cost of funding earning assets | 0.5664% | 3,607 |
| Net interest margin | 3.4175% | 3,242 |
| Noninterest income to average assets | 0.4811% | 2,647 |
| Noninterest expense to average assets | 4.0729% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2835% | 4,883 |
| Return on assets (ROA) | -0.2835% | 4,855 |
| Pretax return on assets | -0.2835% | 4,843 |
| Return on Equity (ROE) | -2.2430% | 4,845 |
| Retained earnings to average equity (ytd only) | -2.2430% | 4,279 |
| Net charge-offs to loans | 0.3440% | 417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -0.9870% | 2,499 |
| Efficiency ratio | 107.2835% | 159 |
| Assets per employee ($millions) | 5.9770% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 1,169 |
| Loan loss allowance to noncurrent loans | 76.1081% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 3.3638% | 152 |
| Noncurrent loans to loans | 2.0471% | 684 |
| Net loans and leases to total assets | 82.6901% | 380 |
| Net loans and leases to deposits | 97.9618% | 719 |
| Net loans and leases to core deposits | 99.8698% | 1,481 |
| Total domestic deposits to total assets | 84.4106% | 2,631 |
| Equity capital to assets | 12.5685% | 1,693 |
| Core capital (leverage) ratio | 12.5210% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,246,500 | 3,878 |
| Average earning assets | $103,818,000 | 3,822 |
| Average equity | $13,553,500 | 3,829 |
| Average total loans | $89,544,000 | 3,405 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 3,969 |
| Cost of funding earning assets | 0.5382% | 3,930 |
| Net interest margin | 3.5937% | 3,153 |
| Noninterest income to average assets | 0.3760% | 3,448 |
| Noninterest expense to average assets | 3.8079% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0358% | 4,951 |
| Return on assets (ROA) | 0.0358% | 4,970 |
| Pretax return on assets | 0.0358% | 4,966 |
| Return on Equity (ROE) | 0.3012% | 4,974 |
| Retained earnings to average equity (ytd only) | 0.3012% | 4,606 |
| Net charge-offs to loans | -0.0319% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8399% | 174 |
| Assets per employee ($millions) | 5.9393% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 842 |
| Loan loss allowance to noncurrent loans | 78.9054% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 3.4151% | 138 |
| Noncurrent loans to loans | 2.1214% | 593 |
| Net loans and leases to total assets | 81.5962% | 598 |
| Net loans and leases to deposits | 93.9403% | 1,160 |
| Net loans and leases to core deposits | 95.4607% | 1,941 |
| Total domestic deposits to total assets | 86.8596% | 1,679 |
| Equity capital to assets | 12.7073% | 1,702 |
| Core capital (leverage) ratio | 12.1203% | 1,703 |
| Tier 1 risk-based capital ratio | 16.4780% | 2,221 |
| Total risk-based capital ratio | 17.7354% | 2,164 |
| Memoranda: | ||
| Average total assets | $114,367,200 | 3,770 |
| Average earning assets | $110,358,400 | 3,703 |
| Average equity | $13,610,600 | 3,805 |
| Average total loans | $91,040,600 | 3,374 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 4,166 |
| Cost of funding earning assets | 0.5295% | 4,029 |
| Net interest margin | 3.5646% | 3,354 |
| Noninterest income to average assets | 0.3728% | 3,480 |
| Noninterest expense to average assets | 3.7338% | 715 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0757% | 5,034 |
| Return on assets (ROA) | 0.0757% | 5,047 |
| Pretax return on assets | 0.0757% | 5,050 |
| Return on Equity (ROE) | 0.6463% | 5,041 |
| Retained earnings to average equity (ytd only) | 0.6463% | 4,637 |
| Net charge-offs to loans | -0.0073% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7718% | 174 |
| Assets per employee ($millions) | 5.8625% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 839 |
| Loan loss allowance to noncurrent loans | 77.4655% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 3.2814% | 157 |
| Noncurrent loans to loans | 2.1805% | 590 |
| Net loans and leases to total assets | 76.3410% | 1,426 |
| Net loans and leases to deposits | 87.3829% | 2,012 |
| Net loans and leases to core deposits | 90.3905% | 2,517 |
| Total domestic deposits to total assets | 87.3639% | 1,335 |
| Equity capital to assets | 12.2618% | 2,067 |
| Core capital (leverage) ratio | 12.5883% | 1,532 |
| Tier 1 risk-based capital ratio | 16.6198% | 2,217 |
| Total risk-based capital ratio | 17.8765% | 2,147 |
| Memoranda: | ||
| Average total assets | $116,232,250 | 3,795 |
| Average earning assets | $112,063,250 | 3,712 |
| Average equity | $13,617,000 | 3,843 |
| Average total loans | $91,621,500 | 3,406 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 4,068 |
| Cost of funding earning assets | 0.5409% | 3,931 |
| Net interest margin | 3.5984% | 3,258 |
| Noninterest income to average assets | 0.2104% | 4,479 |
| Noninterest expense to average assets | 3.6318% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0560% | 5,080 |
| Return on assets (ROA) | 0.0560% | 5,087 |
| Pretax return on assets | 0.0560% | 5,091 |
| Return on Equity (ROE) | 0.4852% | 5,088 |
| Retained earnings to average equity (ytd only) | 0.4852% | 4,572 |
| Net charge-offs to loans | 0.0043% | 3,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,927 |
| Efficiency ratio | 98.2513% | 174 |
| Assets per employee ($millions) | 6.2797% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 887 |
| Loan loss allowance to noncurrent loans | 73.2125% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 3.3220% | 159 |
| Noncurrent loans to loans | 2.2714% | 579 |
| Net loans and leases to total assets | 76.0656% | 1,539 |
| Net loans and leases to deposits | 86.7871% | 2,159 |
| Net loans and leases to core deposits | 91.4117% | 2,470 |
| Total domestic deposits to total assets | 87.6462% | 1,268 |
| Equity capital to assets | 12.0565% | 2,142 |
| Core capital (leverage) ratio | 12.3480% | 1,611 |
| Tier 1 risk-based capital ratio | 15.9847% | 2,419 |
| Total risk-based capital ratio | 17.2417% | 2,357 |
| Memoranda: | ||
| Average total assets | $117,847,330 | 3,801 |
| Average earning assets | $113,885,000 | 3,706 |
| Average equity | $13,603,330 | 3,843 |
| Average total loans | $93,330,330 | 3,388 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 4,161 |
| Cost of funding earning assets | 0.5987% | 3,580 |
| Net interest margin | 3.4888% | 3,620 |
| Noninterest income to average assets | 0.1863% | 4,635 |
| Noninterest expense to average assets | 3.3329% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2262% | 4,991 |
| Return on assets (ROA) | 0.2262% | 4,997 |
| Pretax return on assets | 0.2262% | 5,014 |
| Return on Equity (ROE) | 2.0013% | 4,963 |
| Retained earnings to average equity (ytd only) | 2.0013% | 4,065 |
| Net charge-offs to loans | -0.1163% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3645% | 296 |
| Assets per employee ($millions) | 6.3874% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 1,020 |
| Loan loss allowance to noncurrent loans | 73.0315% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 3.5005% | 154 |
| Noncurrent loans to loans | 2.2200% | 636 |
| Net loans and leases to total assets | 82.9295% | 475 |
| Net loans and leases to deposits | 95.2345% | 1,041 |
| Net loans and leases to core deposits | 100.7383% | 1,551 |
| Total domestic deposits to total assets | 87.0792% | 1,771 |
| Equity capital to assets | 12.5505% | 1,707 |
| Core capital (leverage) ratio | 11.2971% | 2,292 |
| Tier 1 risk-based capital ratio | 15.4374% | 2,678 |
| Total risk-based capital ratio | 16.6931% | 2,587 |
| Memoranda: | ||
| Average total assets | $120,254,000 | 3,803 |
| Average earning assets | $116,258,500 | 3,710 |
| Average equity | $13,591,000 | 3,856 |
| Average total loans | $96,278,500 | 3,379 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 3,958 |
| Cost of funding earning assets | 0.6599% | 2,323 |
| Net interest margin | 3.3637% | 4,094 |
| Noninterest income to average assets | 0.3084% | 4,054 |
| Noninterest expense to average assets | 3.3195% | 1,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2520% | 5,059 |
| Return on assets (ROA) | 0.2520% | 5,054 |
| Pretax return on assets | 0.2520% | 5,085 |
| Return on Equity (ROE) | 2.5742% | 4,971 |
| Retained earnings to average equity (ytd only) | 2.5742% | 4,111 |
| Net charge-offs to loans | -0.0435% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7194% | 265 |
| Assets per employee ($millions) | 8.7949% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,481 |
| Loan loss allowance to noncurrent loans | 73.8711% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 2.8350% | 239 |
| Noncurrent loans to loans | 1.9510% | 697 |
| Net loans and leases to total assets | 75.4743% | 1,700 |
| Net loans and leases to deposits | 84.4455% | 2,467 |
| Net loans and leases to core deposits | 87.7924% | 2,770 |
| Total domestic deposits to total assets | 89.3764% | 704 |
| Equity capital to assets | 10.2742% | 3,407 |
| Core capital (leverage) ratio | 10.2441% | 3,311 |
| Tier 1 risk-based capital ratio | 13.1162% | 3,779 |
| Total risk-based capital ratio | 14.3683% | 3,666 |
| Memoranda: | ||
| Average total assets | $136,527,200 | 3,560 |
| Average earning assets | $132,442,600 | 3,460 |
| Average equity | $13,363,400 | 3,832 |
| Average total loans | $110,223,800 | 3,127 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 3,789 |
| Cost of funding earning assets | 0.6663% | 2,057 |
| Net interest margin | 3.3825% | 4,057 |
| Noninterest income to average assets | 0.3080% | 4,084 |
| Noninterest expense to average assets | 3.3585% | 1,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2285% | 5,178 |
| Return on assets (ROA) | 0.2285% | 5,174 |
| Pretax return on assets | 0.2285% | 5,190 |
| Return on Equity (ROE) | 2.3631% | 5,091 |
| Retained earnings to average equity (ytd only) | 2.3631% | 4,451 |
| Net charge-offs to loans | 0.0178% | 2,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 15.7330% | 2,200 |
| Efficiency ratio | 93.4125% | 250 |
| Assets per employee ($millions) | 8.2748% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,594 |
| Loan loss allowance to noncurrent loans | 76.3706% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 2.7138% | 299 |
| Noncurrent loans to loans | 1.8726% | 811 |
| Net loans and leases to total assets | 72.5203% | 2,247 |
| Net loans and leases to deposits | 81.0696% | 2,916 |
| Net loans and leases to core deposits | 85.7727% | 3,012 |
| Total domestic deposits to total assets | 89.4544% | 687 |
| Equity capital to assets | 10.1634% | 3,483 |
| Core capital (leverage) ratio | 10.1312% | 3,488 |
| Tier 1 risk-based capital ratio | 12.8563% | 3,991 |
| Total risk-based capital ratio | 14.2250% | 3,830 |
| Memoranda: | ||
| Average total assets | $137,678,250 | 3,576 |
| Average earning assets | $133,466,000 | 3,486 |
| Average equity | $13,315,750 | 3,874 |
| Average total loans | $112,523,750 | 3,130 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 3,569 |
| Cost of funding earning assets | 0.6764% | 1,765 |
| Net interest margin | 3.3865% | 3,995 |
| Noninterest income to average assets | 0.3485% | 3,835 |
| Noninterest expense to average assets | 3.4323% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1979% | 5,232 |
| Return on assets (ROA) | 0.1979% | 5,225 |
| Pretax return on assets | 0.1979% | 5,241 |
| Return on Equity (ROE) | 2.0800% | 5,164 |
| Retained earnings to average equity (ytd only) | 2.0800% | 4,430 |
| Net charge-offs to loans | 0.0612% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 2,846 |
| Efficiency ratio | 94.3105% | 252 |
| Assets per employee ($millions) | 7.5149% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,518 |
| Loan loss allowance to noncurrent loans | 25.2531% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 5.3242% | 78 |
| Noncurrent loans to loans | 4.8925% | 141 |
| Net loans and leases to total assets | 81.0798% | 844 |
| Net loans and leases to deposits | 90.3500% | 1,794 |
| Net loans and leases to core deposits | 95.2321% | 2,130 |
| Total domestic deposits to total assets | 89.7396% | 652 |
| Equity capital to assets | 9.8708% | 3,752 |
| Core capital (leverage) ratio | 9.7914% | 3,799 |
| Tier 1 risk-based capital ratio | 11.2779% | 4,911 |
| Total risk-based capital ratio | 12.4693% | 4,838 |
| Memoranda: | ||
| Average total assets | $139,439,000 | 3,578 |
| Average earning assets | $135,124,000 | 3,488 |
| Average equity | $13,269,000 | 3,901 |
| Average total loans | $117,562,670 | 3,066 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 2,999 |
| Cost of funding earning assets | 0.6729% | 1,581 |
| Net interest margin | 3.4955% | 3,554 |
| Noninterest income to average assets | 0.2855% | 4,264 |
| Noninterest expense to average assets | 3.5386% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1385% | 5,300 |
| Return on assets (ROA) | 0.1385% | 5,295 |
| Pretax return on assets | 0.1385% | 5,314 |
| Return on Equity (ROE) | 1.4818% | 5,258 |
| Retained earnings to average equity (ytd only) | 1.4818% | 4,497 |
| Net charge-offs to loans | 0.2086% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.7778% | 2,616 |
| Efficiency ratio | 96.2337% | 248 |
| Assets per employee ($millions) | 7.7051% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,184 |
| Loan loss allowance to noncurrent loans | 24.4545% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 5.3443% | 88 |
| Noncurrent loans to loans | 4.6354% | 179 |
| Net loans and leases to total assets | 84.5808% | 377 |
| Net loans and leases to deposits | 97.8382% | 876 |
| Net loans and leases to core deposits | 102.6039% | 1,473 |
| Total domestic deposits to total assets | 86.4497% | 2,339 |
| Equity capital to assets | 9.5565% | 4,037 |
| Core capital (leverage) ratio | 9.4487% | 4,127 |
| Tier 1 risk-based capital ratio | 11.0289% | 5,118 |
| Total risk-based capital ratio | 12.1747% | 5,081 |
| Memoranda: | ||
| Average total assets | $141,524,500 | 3,583 |
| Average earning assets | $137,319,000 | 3,486 |
| Average equity | $13,227,500 | 3,938 |
| Average total loans | $120,820,500 | 3,055 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,265 |
| Cost of funding earning assets | 0.5827% | 1,722 |
| Net interest margin | 3.4595% | 3,656 |
| Noninterest income to average assets | 0.6539% | 2,173 |
| Noninterest expense to average assets | 3.6226% | 874 |
| Loan and lease loss provision to assets | 0.1469% | 1,552 |
| Net operating income to assets | 0.2203% | 5,068 |
| Return on assets (ROA) | 0.2203% | 5,089 |
| Pretax return on assets | 0.2203% | 5,291 |
| Return on Equity (ROE) | 2.5185% | 4,945 |
| Retained earnings to average equity (ytd only) | 2.5185% | 3,820 |
| Net charge-offs to loans | 0.0631% | 2,575 |
| Credit loss provision to net charge-offs | 271.0526% | 1,035 |
| Earnings coverage of net charge-offs (x) | 6.7763% | 3,137 |
| Efficiency ratio | 90.7954% | 392 |
| Assets per employee ($millions) | 6.8742% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,083 |
| Loan loss allowance to noncurrent loans | 25.7211% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 5.1192% | 88 |
| Noncurrent loans to loans | 4.4540% | 189 |
| Net loans and leases to total assets | 84.2219% | 427 |
| Net loans and leases to deposits | 100.8695% | 668 |
| Net loans and leases to core deposits | 104.1682% | 1,404 |
| Total domestic deposits to total assets | 83.4959% | 3,386 |
| Equity capital to assets | 9.1446% | 4,583 |
| Core capital (leverage) ratio | 9.3588% | 4,216 |
| Tier 1 risk-based capital ratio | 11.0369% | 5,123 |
| Total risk-based capital ratio | 12.2375% | 5,031 |
| Memoranda: | ||
| Average total assets | $140,231,600 | 3,612 |
| Average earning assets | $135,222,800 | 3,522 |
| Average equity | $12,269,200 | 4,094 |
| Average total loans | $120,397,400 | 3,057 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 2,686 |
| Cost of funding earning assets | 0.5751% | 1,710 |
| Net interest margin | 3.6031% | 3,135 |
| Noninterest income to average assets | 0.7988% | 1,600 |
| Noninterest expense to average assets | 3.6915% | 777 |
| Loan and lease loss provision to assets | 0.1973% | 964 |
| Net operating income to assets | 0.3783% | 5,047 |
| Return on assets (ROA) | 0.3783% | 5,073 |
| Pretax return on assets | 0.3783% | 5,220 |
| Return on Equity (ROE) | 4.3755% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.3755% | 3,293 |
| Net charge-offs to loans | 0.0946% | 1,849 |
| Credit loss provision to net charge-offs | 242.3529% | 1,160 |
| Earnings coverage of net charge-offs (x) | 7.0706% | 2,914 |
| Efficiency ratio | 86.5095% | 600 |
| Assets per employee ($millions) | 6.1147% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 3,116 |
| Loan loss allowance to noncurrent loans | 1,685.5422% | 383 |
| Noncurrent assets plus other real estate owned to assets | 1.5608% | 958 |
| Noncurrent loans to loans | 0.0691% | 4,800 |
| Net loans and leases to total assets | 84.3704% | 401 |
| Net loans and leases to deposits | 92.9724% | 1,424 |
| Net loans and leases to core deposits | 96.0319% | 2,070 |
| Total domestic deposits to total assets | 90.7478% | 242 |
| Equity capital to assets | 8.6983% | 5,149 |
| Core capital (leverage) ratio | 8.5397% | 5,220 |
| Tier 1 risk-based capital ratio | 9.9569% | 5,608 |
| Total risk-based capital ratio | 11.1193% | 5,590 |
| Memoranda: | ||
| Average total assets | $139,200,000 | 3,661 |
| Average earning assets | $133,993,000 | 3,576 |
| Average equity | $12,036,250 | 4,167 |
| Average total loans | $119,749,250 | 3,090 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 2,630 |
| Cost of funding earning assets | 0.5587% | 1,718 |
| Net interest margin | 3.6009% | 3,036 |
| Noninterest income to average assets | 1.1303% | 780 |
| Noninterest expense to average assets | 3.6779% | 798 |
| Loan and lease loss provision to assets | 0.2970% | 523 |
| Net operating income to assets | 0.6214% | 4,209 |
| Return on assets (ROA) | 0.6214% | 4,255 |
| Pretax return on assets | 0.6214% | 4,758 |
| Return on Equity (ROE) | 7.2009% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.2009% | 1,498 |
| Net charge-offs to loans | 0.2323% | 879 |
| Credit loss provision to net charge-offs | 148.2014% | 1,539 |
| Earnings coverage of net charge-offs (x) | 4.5827% | 2,906 |
| Efficiency ratio | 80.0188% | 1,207 |
| Assets per employee ($millions) | 6.5089% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,474 |
| Loan loss allowance to noncurrent loans | 3,448.7179% | 199 |
| Noncurrent assets plus other real estate owned to assets | 1.6928% | 854 |
| Noncurrent loans to loans | 0.0324% | 5,028 |
| Net loans and leases to total assets | 83.0630% | 543 |
| Net loans and leases to deposits | 91.4010% | 1,565 |
| Net loans and leases to core deposits | 94.3497% | 2,123 |
| Total domestic deposits to total assets | 90.8775% | 254 |
| Equity capital to assets | 8.5618% | 5,260 |
| Core capital (leverage) ratio | 8.6779% | 5,063 |
| Tier 1 risk-based capital ratio | 10.1120% | 5,602 |
| Total risk-based capital ratio | 11.2455% | 5,586 |
| Memoranda: | ||
| Average total assets | $138,721,000 | 3,688 |
| Average earning assets | $133,521,000 | 3,601 |
| Average equity | $11,970,670 | 4,190 |
| Average total loans | $119,647,330 | 3,101 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,601 |
| Cost of funding earning assets | 0.5306% | 1,857 |
| Net interest margin | 3.5832% | 2,945 |
| Noninterest income to average assets | 0.7151% | 1,894 |
| Noninterest expense to average assets | 3.6752% | 803 |
| Loan and lease loss provision to assets | 0.4279% | 254 |
| Net operating income to assets | 0.0557% | 5,560 |
| Return on assets (ROA) | 0.0557% | 5,567 |
| Pretax return on assets | 0.0557% | 5,567 |
| Return on Equity (ROE) | 0.6427% | 5,545 |
| Retained earnings to average equity (ytd only) | 0.6427% | 4,762 |
| Net charge-offs to loans | 0.4894% | 378 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 1.1301% | 2,757 |
| Efficiency ratio | 88.3721% | 642 |
| Assets per employee ($millions) | 5.4938% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,902 |
| Loan loss allowance to noncurrent loans | 706.0773% | 791 |
| Noncurrent assets plus other real estate owned to assets | 1.8683% | 740 |
| Noncurrent loans to loans | 0.1510% | 4,587 |
| Net loans and leases to total assets | 86.3570% | 197 |
| Net loans and leases to deposits | 101.8602% | 504 |
| Net loans and leases to core deposits | 103.7264% | 1,239 |
| Total domestic deposits to total assets | 84.7799% | 3,178 |
| Equity capital to assets | 8.6214% | 5,134 |
| Core capital (leverage) ratio | 8.8548% | 4,896 |
| Tier 1 risk-based capital ratio | 9.9244% | 5,715 |
| Total risk-based capital ratio | 11.0204% | 5,727 |
| Memoranda: | ||
| Average total assets | $136,484,000 | 3,747 |
| Average earning assets | $131,167,000 | 3,663 |
| Average equity | $11,826,000 | 4,246 |
| Average total loans | $119,327,500 | 3,119 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 3,110 |
| Cost of funding earning assets | 0.4489% | 2,546 |
| Net interest margin | 3.5772% | 3,157 |
| Noninterest income to average assets | 0.4135% | 3,788 |
| Noninterest expense to average assets | 3.7315% | 847 |
| Loan and lease loss provision to assets | 0.0115% | 4,148 |
| Net operating income to assets | 0.1005% | 5,558 |
| Return on assets (ROA) | 0.1005% | 5,593 |
| Pretax return on assets | 0.1005% | 5,592 |
| Return on Equity (ROE) | 1.1154% | 5,554 |
| Retained earnings to average equity (ytd only) | 1.1154% | 4,857 |
| Net charge-offs to loans | 0.1429% | 1,832 |
| Credit loss provision to net charge-offs | 9.4340% | 3,743 |
| Earnings coverage of net charge-offs (x) | 0.9182% | 4,065 |
| Efficiency ratio | 97.0858% | 281 |
| Assets per employee ($millions) | 5.8967% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,850 |
| Loan loss allowance to noncurrent loans | 427.4247% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 1.9790% | 701 |
| Noncurrent loans to loans | 0.2517% | 4,252 |
| Net loans and leases to total assets | 86.6313% | 200 |
| Net loans and leases to deposits | 105.2334% | 379 |
| Net loans and leases to core deposits | 107.0006% | 1,067 |
| Total domestic deposits to total assets | 82.3231% | 3,984 |
| Equity capital to assets | 8.7087% | 5,097 |
| Core capital (leverage) ratio | 9.2610% | 4,391 |
| Tier 1 risk-based capital ratio | 9.9998% | 5,737 |
| Total risk-based capital ratio | 11.1039% | 5,744 |
| Memoranda: | ||
| Average total assets | $130,351,200 | 3,822 |
| Average earning assets | $124,985,200 | 3,735 |
| Average equity | $11,744,200 | 4,286 |
| Average total loans | $111,292,400 | 3,198 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 3,068 |
| Cost of funding earning assets | 0.4460% | 2,591 |
| Net interest margin | 3.5962% | 3,088 |
| Noninterest income to average assets | 0.3699% | 4,131 |
| Noninterest expense to average assets | 3.8552% | 709 |
| Loan and lease loss provision to assets | -0.1033% | 5,796 |
| Net operating income to assets | 0.0672% | 5,661 |
| Return on assets (ROA) | 0.0672% | 5,701 |
| Pretax return on assets | 0.0672% | 5,701 |
| Return on Equity (ROE) | 0.7389% | 5,675 |
| Retained earnings to average equity (ytd only) | 0.7389% | 5,167 |
| Net charge-offs to loans | 0.2108% | 1,105 |
| Credit loss provision to net charge-offs | -57.8035% | 4,694 |
| Earnings coverage of net charge-offs (x) | -0.2023% | 3,833 |
| Efficiency ratio | 100.9470% | 213 |
| Assets per employee ($millions) | 5.6973% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 4,165 |
| Loan loss allowance to noncurrent loans | 731.8471% | 779 |
| Noncurrent assets plus other real estate owned to assets | 1.9399% | 814 |
| Noncurrent loans to loans | 0.1426% | 4,770 |
| Net loans and leases to total assets | 83.1361% | 496 |
| Net loans and leases to deposits | 91.8967% | 1,513 |
| Net loans and leases to core deposits | 95.3773% | 2,062 |
| Total domestic deposits to total assets | 90.4668% | 332 |
| Equity capital to assets | 8.9471% | 5,219 |
| Core capital (leverage) ratio | 9.1078% | 4,707 |
| Tier 1 risk-based capital ratio | 10.4641% | 5,632 |
| Total risk-based capital ratio | 11.5127% | 5,650 |
| Memoranda: | ||
| Average total assets | $129,033,250 | 3,870 |
| Average earning assets | $123,756,000 | 3,783 |
| Average equity | $11,727,500 | 4,334 |
| Average total loans | $109,423,000 | 3,231 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 2,909 |
| Cost of funding earning assets | 0.4374% | 2,679 |
| Net interest margin | 3.6518% | 2,887 |
| Noninterest income to average assets | 0.4191% | 3,748 |
| Noninterest expense to average assets | 3.8873% | 686 |
| Loan and lease loss provision to assets | -0.2493% | 5,959 |
| Net operating income to assets | 0.2804% | 5,370 |
| Return on assets (ROA) | 0.2804% | 5,453 |
| Pretax return on assets | 0.2804% | 5,529 |
| Return on Equity (ROE) | 3.0694% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.0694% | 3,957 |
| Net charge-offs to loans | 0.0440% | 2,590 |
| Credit loss provision to net charge-offs | -666.6667% | 5,007 |
| Earnings coverage of net charge-offs (x) | 0.8333% | 3,480 |
| Efficiency ratio | 99.2048% | 258 |
| Assets per employee ($millions) | 6.0448% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 3,740 |
| Loan loss allowance to noncurrent loans | 628.4264% | 880 |
| Noncurrent assets plus other real estate owned to assets | 2.1972% | 704 |
| Noncurrent loans to loans | 0.1808% | 4,710 |
| Net loans and leases to total assets | 81.0025% | 752 |
| Net loans and leases to deposits | 89.4255% | 1,819 |
| Net loans and leases to core deposits | 92.7550% | 2,281 |
| Total domestic deposits to total assets | 90.5810% | 293 |
| Equity capital to assets | 8.8957% | 5,316 |
| Core capital (leverage) ratio | 9.3235% | 4,426 |
| Tier 1 risk-based capital ratio | 10.6829% | 5,592 |
| Total risk-based capital ratio | 11.8248% | 5,555 |
| Memoranda: | ||
| Average total assets | $128,365,330 | 3,908 |
| Average earning assets | $123,007,000 | 3,825 |
| Average equity | $11,728,670 | 4,359 |
| Average total loans | $109,201,330 | 3,248 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,349 |
| Cost of funding earning assets | 0.4245% | 2,824 |
| Net interest margin | 3.8102% | 2,256 |
| Noninterest income to average assets | 0.3110% | 4,509 |
| Noninterest expense to average assets | 4.1252% | 533 |
| Loan and lease loss provision to assets | -0.5077% | 6,085 |
| Net operating income to assets | 0.3395% | 5,183 |
| Return on assets (ROA) | 0.3395% | 5,271 |
| Pretax return on assets | 0.3395% | 5,432 |
| Return on Equity (ROE) | 3.6650% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.6650% | 3,659 |
| Net charge-offs to loans | 0.6696% | 324 |
| Credit loss provision to net charge-offs | -87.4317% | 4,213 |
| Earnings coverage of net charge-offs (x) | -0.2896% | 2,992 |
| Efficiency ratio | 104.2502% | 210 |
| Assets per employee ($millions) | 5.7504% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 4,564 |
| Loan loss allowance to noncurrent loans | 219.7556% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 2.5421% | 574 |
| Noncurrent loans to loans | 0.4582% | 3,804 |
| Net loans and leases to total assets | 83.8508% | 385 |
| Net loans and leases to deposits | 93.0705% | 1,219 |
| Net loans and leases to core deposits | 97.6157% | 1,663 |
| Total domestic deposits to total assets | 90.0939% | 566 |
| Equity capital to assets | 9.2793% | 4,908 |
| Core capital (leverage) ratio | 9.5181% | 4,165 |
| Tier 1 risk-based capital ratio | 10.7656% | 5,629 |
| Total risk-based capital ratio | 11.7776% | 5,645 |
| Memoranda: | ||
| Average total assets | $126,055,000 | 3,979 |
| Average earning assets | $120,623,500 | 3,890 |
| Average equity | $11,678,000 | 4,389 |
| Average total loans | $109,322,000 | 3,251 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 2,382 |
| Cost of funding earning assets | 0.4308% | 2,838 |
| Net interest margin | 3.8214% | 2,298 |
| Noninterest income to average assets | 1.3615% | 650 |
| Noninterest expense to average assets | 4.2778% | 503 |
| Loan and lease loss provision to assets | -0.1375% | 5,908 |
| Net operating income to assets | 0.8424% | 3,145 |
| Return on assets (ROA) | 0.8424% | 3,216 |
| Pretax return on assets | 0.8574% | 3,995 |
| Return on Equity (ROE) | 9.4739% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.4739% | 538 |
| Net charge-offs to loans | -0.2840% | 6,007 |
| Credit loss provision to net charge-offs | 57.2917% | 3,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5952% | 1,028 |
| Assets per employee ($millions) | 5.4610% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 3,034 |
| Loan loss allowance to noncurrent loans | 250.3521% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 2.6218% | 573 |
| Noncurrent loans to loans | 0.5095% | 3,657 |
| Net loans and leases to total assets | 87.6300% | 139 |
| Net loans and leases to deposits | 101.8159% | 554 |
| Net loans and leases to core deposits | 105.7555% | 1,111 |
| Total domestic deposits to total assets | 86.0671% | 2,606 |
| Equity capital to assets | 9.2491% | 4,851 |
| Core capital (leverage) ratio | 9.1837% | 4,638 |
| Tier 1 risk-based capital ratio | 10.3084% | 5,858 |
| Total risk-based capital ratio | 11.5587% | 5,785 |
| Memoranda: | ||
| Average total assets | $120,014,800 | 4,068 |
| Average earning assets | $114,199,200 | 3,997 |
| Average equity | $10,671,400 | 4,542 |
| Average total loans | $101,404,200 | 3,360 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 2,632 |
| Cost of funding earning assets | 0.4303% | 2,904 |
| Net interest margin | 3.7533% | 2,549 |
| Noninterest income to average assets | 1.3061% | 708 |
| Noninterest expense to average assets | 4.3882% | 445 |
| Loan and lease loss provision to assets | -0.1855% | 6,088 |
| Net operating income to assets | 0.6609% | 4,076 |
| Return on assets (ROA) | 0.6609% | 4,189 |
| Pretax return on assets | 0.6722% | 4,769 |
| Return on Equity (ROE) | 7.5130% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.5130% | 1,441 |
| Net charge-offs to loans | -0.2629% | 6,060 |
| Credit loss provision to net charge-offs | 84.6154% | 2,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0161% | 699 |
| Assets per employee ($millions) | 6.3005% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 3,493 |
| Loan loss allowance to noncurrent loans | 95.3372% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 3.1131% | 471 |
| Noncurrent loans to loans | 1.2892% | 1,984 |
| Net loans and leases to total assets | 80.7174% | 722 |
| Net loans and leases to deposits | 90.1728% | 1,622 |
| Net loans and leases to core deposits | 93.7441% | 2,102 |
| Total domestic deposits to total assets | 89.5141% | 768 |
| Equity capital to assets | 8.4483% | 5,736 |
| Core capital (leverage) ratio | 8.5407% | 5,521 |
| Tier 1 risk-based capital ratio | 10.2324% | 5,966 |
| Total risk-based capital ratio | 11.4732% | 5,916 |
| Memoranda: | ||
| Average total assets | $118,618,000 | 4,134 |
| Average earning assets | $112,788,250 | 4,063 |
| Average equity | $10,435,000 | 4,634 |
| Average total loans | $98,883,500 | 3,434 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 2,684 |
| Cost of funding earning assets | 0.4272% | 2,960 |
| Net interest margin | 3.7323% | 2,568 |
| Noninterest income to average assets | 1.8921% | 401 |
| Noninterest expense to average assets | 4.6627% | 375 |
| Loan and lease loss provision to assets | -0.1754% | 6,163 |
| Net operating income to assets | 0.9259% | 2,756 |
| Return on assets (ROA) | 0.9259% | 2,877 |
| Pretax return on assets | 0.9434% | 3,796 |
| Return on Equity (ROE) | 10.3658% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.3658% | 610 |
| Net charge-offs to loans | -0.4572% | 6,193 |
| Credit loss provision to net charge-offs | 45.6621% | 2,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8573% | 1,070 |
| Assets per employee ($millions) | 5.8067% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,098 |
| Loan loss allowance to noncurrent loans | 221.2168% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 2.4153% | 802 |
| Noncurrent loans to loans | 0.5998% | 3,667 |
| Net loans and leases to total assets | 75.6646% | 1,414 |
| Net loans and leases to deposits | 84.8156% | 2,207 |
| Net loans and leases to core deposits | 88.2668% | 2,529 |
| Total domestic deposits to total assets | 89.2108% | 1,044 |
| Equity capital to assets | 7.9707% | 5,996 |
| Core capital (leverage) ratio | 8.3708% | 5,659 |
| Tier 1 risk-based capital ratio | 10.6382% | 5,865 |
| Total risk-based capital ratio | 11.8885% | 5,809 |
| Memoranda: | ||
| Average total assets | $114,053,670 | 4,251 |
| Average earning assets | $108,136,000 | 4,183 |
| Average equity | $10,187,330 | 4,703 |
| Average total loans | $95,802,330 | 3,515 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 2,601 |
| Cost of funding earning assets | 0.4354% | 2,927 |
| Net interest margin | 3.7258% | 2,530 |
| Noninterest income to average assets | 0.8757% | 1,474 |
| Noninterest expense to average assets | 4.6075% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2209% | 6,155 |
| Return on assets (ROA) | -0.2209% | 6,179 |
| Pretax return on assets | -0.2209% | 6,166 |
| Return on Equity (ROE) | -2.3029% | 6,185 |
| Retained earnings to average equity (ytd only) | -2.3029% | 5,719 |
| Net charge-offs to loans | -0.0975% | 5,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0360% | 257 |
| Assets per employee ($millions) | 4.5726% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 2,663 |
| Loan loss allowance to noncurrent loans | 420.7006% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 2.3689% | 927 |
| Noncurrent loans to loans | 0.3453% | 4,553 |
| Net loans and leases to total assets | 89.0871% | 78 |
| Net loans and leases to deposits | 102.5108% | 435 |
| Net loans and leases to core deposits | 107.3847% | 853 |
| Total domestic deposits to total assets | 86.9052% | 2,424 |
| Equity capital to assets | 9.6474% | 4,582 |
| Core capital (leverage) ratio | 9.5702% | 4,180 |
| Tier 1 risk-based capital ratio | 11.1255% | 5,751 |
| Total risk-based capital ratio | 12.3996% | 5,655 |
| Memoranda: | ||
| Average total assets | $101,400,000 | 4,569 |
| Average earning assets | $95,550,000 | 4,519 |
| Average equity | $9,727,000 | 4,842 |
| Average total loans | $90,271,000 | 3,638 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 2,812 |
| Cost of funding earning assets | 0.4215% | 3,463 |
| Net interest margin | 3.8206% | 2,546 |
| Noninterest income to average assets | 0.7572% | 2,048 |
| Noninterest expense to average assets | 4.2973% | 543 |
| Loan and lease loss provision to assets | 0.0305% | 3,996 |
| Net operating income to assets | 0.0224% | 6,062 |
| Return on assets (ROA) | 0.0224% | 6,082 |
| Pretax return on assets | 0.0224% | 6,069 |
| Return on Equity (ROE) | 0.2252% | 6,085 |
| Retained earnings to average equity (ytd only) | 0.2252% | 5,676 |
| Net charge-offs to loans | 0.0685% | 3,497 |
| Credit loss provision to net charge-offs | 51.7241% | 3,450 |
| Earnings coverage of net charge-offs (x) | 0.8966% | 4,543 |
| Efficiency ratio | 98.7850% | 394 |
| Assets per employee ($millions) | 4.6456% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 2,698 |
| Loan loss allowance to noncurrent loans | 517.5299% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 2.2700% | 1,059 |
| Noncurrent loans to loans | 0.2801% | 4,847 |
| Net loans and leases to total assets | 86.3996% | 185 |
| Net loans and leases to deposits | 99.2961% | 664 |
| Net loans and leases to core deposits | 102.7412% | 1,194 |
| Total domestic deposits to total assets | 87.0121% | 2,279 |
| Equity capital to assets | 9.5389% | 4,673 |
| Core capital (leverage) ratio | 9.9123% | 3,695 |
| Tier 1 risk-based capital ratio | 11.2976% | 5,771 |
| Total risk-based capital ratio | 12.5514% | 5,690 |
| Memoranda: | ||
| Average total assets | $98,387,200 | 4,641 |
| Average earning assets | $92,523,800 | 4,594 |
| Average equity | $9,768,400 | 4,798 |
| Average total loans | $84,649,200 | 3,751 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,681 |
| Cost of funding earning assets | 0.4235% | 3,539 |
| Net interest margin | 3.8651% | 2,371 |
| Noninterest income to average assets | 0.9114% | 1,492 |
| Noninterest expense to average assets | 4.4747% | 471 |
| Loan and lease loss provision to assets | 0.0411% | 3,583 |
| Net operating income to assets | 0.0164% | 6,128 |
| Return on assets (ROA) | 0.0164% | 6,145 |
| Pretax return on assets | 0.0301% | 6,123 |
| Return on Equity (ROE) | 0.1637% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.1637% | 5,755 |
| Net charge-offs to loans | 0.0927% | 2,888 |
| Credit loss provision to net charge-offs | 51.7241% | 3,076 |
| Earnings coverage of net charge-offs (x) | 0.8965% | 4,283 |
| Efficiency ratio | 98.4347% | 417 |
| Assets per employee ($millions) | 4.3869% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 2,545 |
| Loan loss allowance to noncurrent loans | 393.6364% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 2.4857% | 1,069 |
| Noncurrent loans to loans | 0.3913% | 4,738 |
| Net loans and leases to total assets | 86.0420% | 194 |
| Net loans and leases to deposits | 98.5439% | 698 |
| Net loans and leases to core deposits | 99.7501% | 1,391 |
| Total domestic deposits to total assets | 87.3134% | 2,146 |
| Equity capital to assets | 10.0797% | 4,069 |
| Core capital (leverage) ratio | 9.9430% | 3,751 |
| Tier 1 risk-based capital ratio | 12.0265% | 5,465 |
| Total risk-based capital ratio | 13.2813% | 5,376 |
| Memoranda: | ||
| Average total assets | $97,433,250 | 4,711 |
| Average earning assets | $91,621,000 | 4,652 |
| Average equity | $9,773,250 | 4,832 |
| Average total loans | $83,411,000 | 3,809 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 2,688 |
| Cost of funding earning assets | 0.4174% | 3,688 |
| Net interest margin | 3.8563% | 2,355 |
| Noninterest income to average assets | 1.2052% | 806 |
| Noninterest expense to average assets | 4.4342% | 479 |
| Loan and lease loss provision to assets | 0.0614% | 3,041 |
| Net operating income to assets | 0.3192% | 5,497 |
| Return on assets (ROA) | 0.3192% | 5,578 |
| Pretax return on assets | 0.3397% | 5,696 |
| Return on Equity (ROE) | 3.1875% | 5,463 |
| Retained earnings to average equity (ytd only) | 3.1875% | 4,172 |
| Net charge-offs to loans | 0.1059% | 2,624 |
| Credit loss provision to net charge-offs | 68.1818% | 2,500 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 3,104 |
| Efficiency ratio | 91.7055% | 782 |
| Assets per employee ($millions) | 4.4475% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 2,700 |
| Loan loss allowance to noncurrent loans | 312.6190% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 2.5438% | 1,101 |
| Noncurrent loans to loans | 0.4938% | 4,511 |
| Net loans and leases to total assets | 85.5886% | 207 |
| Net loans and leases to deposits | 98.0575% | 659 |
| Net loans and leases to core deposits | 99.2404% | 1,339 |
| Total domestic deposits to total assets | 87.2841% | 2,305 |
| Equity capital to assets | 10.0781% | 4,003 |
| Core capital (leverage) ratio | 10.0697% | 3,507 |
| Tier 1 risk-based capital ratio | 11.9974% | 5,540 |
| Total risk-based capital ratio | 13.2517% | 5,471 |
| Memoranda: | ||
| Average total assets | $97,740,670 | 4,738 |
| Average earning assets | $92,005,330 | 4,680 |
| Average equity | $9,788,330 | 4,849 |
| Average total loans | $83,101,670 | 3,828 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 2,235 |
| Cost of funding earning assets | 0.4135% | 3,829 |
| Net interest margin | 3.9652% | 1,873 |
| Noninterest income to average assets | 1.5191% | 509 |
| Noninterest expense to average assets | 4.5860% | 421 |
| Loan and lease loss provision to assets | 0.0819% | 2,524 |
| Net operating income to assets | 0.4668% | 4,861 |
| Return on assets (ROA) | 0.4668% | 4,928 |
| Pretax return on assets | 0.5814% | 4,892 |
| Return on Equity (ROE) | 4.6760% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.6760% | 3,314 |
| Net charge-offs to loans | 0.2728% | 1,254 |
| Credit loss provision to net charge-offs | 35.7143% | 2,345 |
| Earnings coverage of net charge-offs (x) | 2.8929% | 2,775 |
| Efficiency ratio | 87.3635% | 1,295 |
| Assets per employee ($millions) | 4.7945% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 2,746 |
| Loan loss allowance to noncurrent loans | 442.1233% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 2.3449% | 1,394 |
| Noncurrent loans to loans | 0.3599% | 5,043 |
| Net loans and leases to total assets | 79.2958% | 626 |
| Net loans and leases to deposits | 90.4855% | 1,095 |
| Net loans and leases to core deposits | 91.5396% | 1,775 |
| Total domestic deposits to total assets | 87.6337% | 2,435 |
| Equity capital to assets | 9.7403% | 4,180 |
| Core capital (leverage) ratio | 10.2737% | 3,196 |
| Tier 1 risk-based capital ratio | 12.4007% | 5,365 |
| Total risk-based capital ratio | 13.6551% | 5,305 |
| Memoranda: | ||
| Average total assets | $97,688,000 | 4,781 |
| Average earning assets | $91,900,000 | 4,729 |
| Average equity | $9,752,000 | 4,880 |
| Average total loans | $82,123,500 | 3,883 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 3,807 |
| Cost of funding earning assets | 0.4064% | 4,574 |
| Net interest margin | 3.6754% | 3,152 |
| Noninterest income to average assets | 0.2024% | 5,870 |
| Noninterest expense to average assets | 4.2773% | 643 |
| Loan and lease loss provision to assets | -0.2792% | 6,664 |
| Net operating income to assets | -0.3307% | 6,430 |
| Return on assets (ROA) | -0.3307% | 6,445 |
| Pretax return on assets | -0.3307% | 6,424 |
| Return on Equity (ROE) | -4.0921% | 6,460 |
| Retained earnings to average equity (ytd only) | -4.0921% | 6,325 |
| Net charge-offs to loans | 0.3901% | 1,726 |
| Credit loss provision to net charge-offs | -100.3247% | 5,881 |
| Earnings coverage of net charge-offs (x) | -2.1916% | 5,332 |
| Efficiency ratio | 116.6297% | 202 |
| Assets per employee ($millions) | 4.3041% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 2,778 |
| Loan loss allowance to noncurrent loans | 389.1496% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 2.6581% | 1,262 |
| Noncurrent loans to loans | 0.4103% | 4,981 |
| Net loans and leases to total assets | 86.3757% | 139 |
| Net loans and leases to deposits | 98.4354% | 568 |
| Net loans and leases to core deposits | 99.6528% | 1,182 |
| Total domestic deposits to total assets | 87.7486% | 2,335 |
| Equity capital to assets | 10.2407% | 3,453 |
| Core capital (leverage) ratio | 10.3132% | 3,133 |
| Tier 1 risk-based capital ratio | 11.8479% | 5,709 |
| Total risk-based capital ratio | 13.1027% | 5,641 |
| Memoranda: | ||
| Average total assets | $110,676,800 | 4,482 |
| Average earning assets | $104,341,400 | 4,399 |
| Average equity | $8,944,000 | 5,093 |
| Average total loans | $78,952,200 | 3,970 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 4,036 |
| Cost of funding earning assets | 0.4091% | 4,741 |
| Net interest margin | 3.6149% | 3,384 |
| Noninterest income to average assets | 0.1814% | 6,109 |
| Noninterest expense to average assets | 4.2334% | 669 |
| Loan and lease loss provision to assets | -0.3244% | 6,782 |
| Net operating income to assets | -0.3163% | 6,531 |
| Return on assets (ROA) | -0.3163% | 6,546 |
| Pretax return on assets | -0.3163% | 6,526 |
| Return on Equity (ROE) | -4.1420% | 6,576 |
| Retained earnings to average equity (ytd only) | -4.1420% | 6,450 |
| Net charge-offs to loans | 0.4655% | 1,383 |
| Credit loss provision to net charge-offs | -102.5735% | 5,792 |
| Earnings coverage of net charge-offs (x) | -2.0257% | 5,079 |
| Efficiency ratio | 117.8317% | 191 |
| Assets per employee ($millions) | 4.2873% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 2,360 |
| Loan loss allowance to noncurrent loans | 280.8468% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 2.7097% | 1,390 |
| Noncurrent loans to loans | 0.6345% | 4,607 |
| Net loans and leases to total assets | 77.8671% | 762 |
| Net loans and leases to deposits | 88.3763% | 1,326 |
| Net loans and leases to core deposits | 89.4199% | 2,029 |
| Total domestic deposits to total assets | 88.1086% | 2,052 |
| Equity capital to assets | 9.8733% | 4,083 |
| Core capital (leverage) ratio | 10.1300% | 3,489 |
| Tier 1 risk-based capital ratio | 12.7233% | 5,310 |
| Total risk-based capital ratio | 13.9805% | 5,253 |
| Memoranda: | ||
| Average total assets | $114,673,250 | 4,437 |
| Average earning assets | $108,215,750 | 4,350 |
| Average equity | $8,755,750 | 5,201 |
| Average total loans | $77,911,000 | 4,035 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 4,465 |
| Cost of funding earning assets | 0.4211% | 4,745 |
| Net interest margin | 3.4817% | 3,856 |
| Noninterest income to average assets | 0.1083% | 6,501 |
| Noninterest expense to average assets | 4.2124% | 685 |
| Loan and lease loss provision to assets | -0.3399% | 6,845 |
| Net operating income to assets | -0.4716% | 6,626 |
| Return on assets (ROA) | -0.4716% | 6,640 |
| Pretax return on assets | -0.4716% | 6,617 |
| Return on Equity (ROE) | -6.7149% | 6,680 |
| Retained earnings to average equity (ytd only) | -6.7149% | 6,553 |
| Net charge-offs to loans | 0.7787% | 811 |
| Credit loss provision to net charge-offs | -67.3267% | 5,566 |
| Earnings coverage of net charge-offs (x) | -1.6073% | 4,750 |
| Efficiency ratio | 123.8609% | 159 |
| Assets per employee ($millions) | 4.3975% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 2,450 |
| Loan loss allowance to noncurrent loans | 246.9072% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 2.6132% | 1,602 |
| Noncurrent loans to loans | 0.7274% | 4,471 |
| Net loans and leases to total assets | 74.4469% | 1,185 |
| Net loans and leases to deposits | 83.6077% | 1,854 |
| Net loans and leases to core deposits | 84.0666% | 2,557 |
| Total domestic deposits to total assets | 89.0431% | 1,607 |
| Equity capital to assets | 9.2144% | 4,972 |
| Core capital (leverage) ratio | 8.7370% | 5,372 |
| Tier 1 risk-based capital ratio | 12.5624% | 5,463 |
| Total risk-based capital ratio | 13.8199% | 5,395 |
| Memoranda: | ||
| Average total assets | $120,028,000 | 4,347 |
| Average earning assets | $113,509,330 | 4,262 |
| Average equity | $8,429,000 | 5,327 |
| Average total loans | $77,822,330 | 4,049 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7613% | 4,951 |
| Cost of funding earning assets | 0.4257% | 4,856 |
| Net interest margin | 3.3357% | 4,376 |
| Noninterest income to average assets | -0.0754% | 6,911 |
| Noninterest expense to average assets | 4.1455% | 758 |
| Loan and lease loss provision to assets | -0.4871% | 6,954 |
| Net operating income to assets | -0.5814% | 6,705 |
| Return on assets (ROA) | -0.5814% | 6,725 |
| Pretax return on assets | -0.5814% | 6,698 |
| Return on Equity (ROE) | -9.5103% | 6,795 |
| Retained earnings to average equity (ytd only) | -9.5103% | 6,594 |
| Net charge-offs to loans | 1.8350% | 264 |
| Credit loss provision to net charge-offs | -44.0341% | 5,039 |
| Earnings coverage of net charge-offs (x) | -0.9659% | 3,963 |
| Efficiency ratio | 134.7293% | 128 |
| Assets per employee ($millions) | 5.1323% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 2,287 |
| Loan loss allowance to noncurrent loans | 252.9930% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 2.4688% | 1,868 |
| Noncurrent loans to loans | 0.7534% | 4,624 |
| Net loans and leases to total assets | 60.0434% | 3,422 |
| Net loans and leases to deposits | 65.7799% | 4,087 |
| Net loans and leases to core deposits | 66.0808% | 4,518 |
| Total domestic deposits to total assets | 91.2791% | 417 |
| Equity capital to assets | 7.9756% | 6,392 |
| Core capital (leverage) ratio | 7.8803% | 6,233 |
| Tier 1 risk-based capital ratio | 13.5107% | 4,865 |
| Total risk-based capital ratio | 14.7704% | 4,815 |
| Memoranda: | ||
| Average total assets | $127,271,500 | 4,235 |
| Average earning assets | $120,276,000 | 4,150 |
| Average equity | $7,781,000 | 5,552 |
| Average total loans | $76,729,000 | 4,109 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 3,865 |
| Cost of funding earning assets | 0.5335% | 4,964 |
| Net interest margin | 3.8538% | 3,008 |
| Noninterest income to average assets | 0.9608% | 1,661 |
| Noninterest expense to average assets | 4.0447% | 927 |
| Loan and lease loss provision to assets | -0.6935% | 7,058 |
| Net operating income to assets | 1.1899% | 1,639 |
| Return on assets (ROA) | 1.1899% | 1,800 |
| Pretax return on assets | 1.1899% | 2,835 |
| Return on Equity (ROE) | 35.8103% | 37 |
| Retained earnings to average equity (ytd only) | 35.8103% | 13 |
| Net charge-offs to loans | 0.7779% | 1,505 |
| Credit loss provision to net charge-offs | -141.5340% | 6,360 |
| Earnings coverage of net charge-offs (x) | 1.0130% | 4,962 |
| Efficiency ratio | 89.0693% | 1,143 |
| Assets per employee ($millions) | 5.2547% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4903% | 1,138 |
| Loan loss allowance to noncurrent loans | 176.2466% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 3.0479% | 1,550 |
| Noncurrent loans to loans | 1.4130% | 3,478 |
| Net loans and leases to total assets | 57.9430% | 3,992 |
| Net loans and leases to deposits | 61.0923% | 4,901 |
| Net loans and leases to core deposits | 61.3439% | 5,229 |
| Total domestic deposits to total assets | 94.8450% | 48 |
| Equity capital to assets | 4.3679% | 6,985 |
| Core capital (leverage) ratio | 4.5394% | 6,958 |
| Tier 1 risk-based capital ratio | 7.7335% | 6,926 |
| Total risk-based capital ratio | 9.0004% | 6,927 |
| Memoranda: | ||
| Average total assets | $141,024,800 | 3,933 |
| Average earning assets | $131,015,000 | 3,875 |
| Average equity | $4,685,800 | 6,391 |
| Average total loans | $88,830,600 | 3,774 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 3,617 |
| Cost of funding earning assets | 0.5592% | 5,002 |
| Net interest margin | 3.9454% | 2,725 |
| Noninterest income to average assets | 1.3088% | 860 |
| Noninterest expense to average assets | 4.2154% | 707 |
| Loan and lease loss provision to assets | -0.6507% | 7,156 |
| Net operating income to assets | 1.3971% | 1,231 |
| Return on assets (ROA) | 1.3971% | 1,354 |
| Pretax return on assets | 1.3971% | 2,246 |
| Return on Equity (ROE) | 45.3100% | 19 |
| Retained earnings to average equity (ytd only) | 45.3100% | 8 |
| Net charge-offs to loans | 0.9731% | 1,093 |
| Credit loss provision to net charge-offs | -104.7904% | 6,251 |
| Earnings coverage of net charge-offs (x) | 1.2021% | 4,699 |
| Efficiency ratio | 84.9569% | 1,478 |
| Assets per employee ($millions) | 5.6396% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6591% | 1,020 |
| Loan loss allowance to noncurrent loans | 119.7972% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 3.9527% | 1,223 |
| Noncurrent loans to loans | 2.2197% | 2,594 |
| Net loans and leases to total assets | 60.7170% | 3,630 |
| Net loans and leases to deposits | 64.9514% | 4,601 |
| Net loans and leases to core deposits | 65.2142% | 5,033 |
| Total domestic deposits to total assets | 93.4807% | 86 |
| Equity capital to assets | 4.1115% | 7,098 |
| Core capital (leverage) ratio | 4.1337% | 7,087 |
| Tier 1 risk-based capital ratio | 6.7591% | 7,061 |
| Total risk-based capital ratio | 8.0281% | 7,061 |
| Memoranda: | ||
| Average total assets | $143,439,250 | 3,930 |
| Average earning assets | $132,810,500 | 3,885 |
| Average equity | $4,422,750 | 6,536 |
| Average total loans | $91,522,750 | 3,744 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 3,604 |
| Cost of funding earning assets | 0.5902% | 4,984 |
| Net interest margin | 3.9500% | 2,718 |
| Noninterest income to average assets | -0.0370% | 7,045 |
| Noninterest expense to average assets | 3.8759% | 1,107 |
| Loan and lease loss provision to assets | -0.3695% | 7,190 |
| Net operating income to assets | 0.0931% | 6,185 |
| Return on assets (ROA) | 0.0931% | 6,331 |
| Pretax return on assets | 0.0931% | 6,337 |
| Return on Equity (ROE) | 3.3647% | 5,538 |
| Retained earnings to average equity (ytd only) | 3.3647% | 4,363 |
| Net charge-offs to loans | 1.3612% | 761 |
| Credit loss provision to net charge-offs | -42.2535% | 5,993 |
| Earnings coverage of net charge-offs (x) | -0.3161% | 5,194 |
| Efficiency ratio | 107.6806% | 368 |
| Assets per employee ($millions) | 5.2652% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9654% | 810 |
| Loan loss allowance to noncurrent loans | 110.0529% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 7.2764% | 511 |
| Noncurrent loans to loans | 2.6945% | 2,231 |
| Net loans and leases to total assets | 64.6347% | 2,898 |
| Net loans and leases to deposits | 67.2737% | 4,318 |
| Net loans and leases to core deposits | 67.5350% | 4,844 |
| Total domestic deposits to total assets | 96.0773% | 33 |
| Equity capital to assets | 3.0213% | 7,182 |
| Core capital (leverage) ratio | 3.0066% | 7,179 |
| Tier 1 risk-based capital ratio | 4.2992% | 7,177 |
| Total risk-based capital ratio | 5.5684% | 7,179 |
| Memoranda: | ||
| Average total assets | $146,135,330 | 3,901 |
| Average earning assets | $134,530,670 | 3,877 |
| Average equity | $4,042,000 | 6,666 |
| Average total loans | $93,888,330 | 3,712 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 4,370 |
| Cost of funding earning assets | 0.6209% | 4,958 |
| Net interest margin | 3.7681% | 3,528 |
| Noninterest income to average assets | -0.4431% | 7,241 |
| Noninterest expense to average assets | 3.7995% | 1,213 |
| Loan and lease loss provision to assets | -0.3449% | 7,241 |
| Net operating income to assets | -0.3874% | 6,765 |
| Return on assets (ROA) | -0.3874% | 6,803 |
| Pretax return on assets | -0.3874% | 6,778 |
| Return on Equity (ROE) | -14.6183% | 7,063 |
| Retained earnings to average equity (ytd only) | -14.6183% | 6,966 |
| Net charge-offs to loans | 2.1546% | 418 |
| Credit loss provision to net charge-offs | -25.3411% | 5,387 |
| Earnings coverage of net charge-offs (x) | -0.5380% | 4,510 |
| Efficiency ratio | 123.8754% | 191 |
| Assets per employee ($millions) | 5.8660% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2306% | 662 |
| Loan loss allowance to noncurrent loans | 32.0557% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 8.8633% | 401 |
| Noncurrent loans to loans | 10.0780% | 302 |
| Net loans and leases to total assets | 58.3109% | 3,986 |
| Net loans and leases to deposits | 60.4570% | 5,101 |
| Net loans and leases to core deposits | 60.6665% | 5,468 |
| Total domestic deposits to total assets | 96.4502% | 30 |
| Equity capital to assets | 2.5709% | 7,254 |
| Core capital (leverage) ratio | 2.6620% | 7,248 |
| Tier 1 risk-based capital ratio | 4.1994% | 7,240 |
| Total risk-based capital ratio | 5.4741% | 7,241 |
| Memoranda: | ||
| Average total assets | $150,756,000 | 3,856 |
| Average earning assets | $140,442,500 | 3,805 |
| Average equity | $3,995,000 | 6,714 |
| Average total loans | $95,240,000 | 3,705 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1077% | 2,422 |
| Cost of funding earning assets | 0.8896% | 4,189 |
| Net interest margin | 4.2181% | 2,000 |
| Noninterest income to average assets | -0.4826% | 7,260 |
| Noninterest expense to average assets | 5.2524% | 312 |
| Loan and lease loss provision to assets | 1.1710% | 760 |
| Net operating income to assets | -3.0646% | 7,182 |
| Return on assets (ROA) | -4.0535% | 7,261 |
| Pretax return on assets | -4.0535% | 7,271 |
| Return on Equity (ROE) | -123.8012% | 7,331 |
| Retained earnings to average equity (ytd only) | -123.8012% | 7,331 |
| Net charge-offs to loans | 4.0637% | 149 |
| Credit loss provision to net charge-offs | 40.2382% | 5,621 |
| Earnings coverage of net charge-offs (x) | -0.6506% | 6,131 |
| Efficiency ratio | 156.3739% | 122 |
| Assets per employee ($millions) | 5.7306% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6652% | 479 |
| Loan loss allowance to noncurrent loans | 32.2014% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 10.5722% | 293 |
| Noncurrent loans to loans | 11.3820% | 249 |
| Net loans and leases to total assets | 63.7364% | 3,248 |
| Net loans and leases to deposits | 67.0934% | 4,567 |
| Net loans and leases to core deposits | 67.3346% | 5,115 |
| Total domestic deposits to total assets | 94.9965% | 59 |
| Equity capital to assets | 2.7310% | 7,287 |
| Core capital (leverage) ratio | 2.7645% | 7,281 |
| Tier 1 risk-based capital ratio | 4.0188% | 7,278 |
| Total risk-based capital ratio | 5.2980% | 7,279 |
| Memoranda: | ||
| Average total assets | $147,133,200 | 3,851 |
| Average earning assets | $133,994,800 | 3,853 |
| Average equity | $4,817,400 | 6,503 |
| Average total loans | $105,371,400 | 3,491 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2652% | 1,976 |
| Cost of funding earning assets | 0.9538% | 4,016 |
| Net interest margin | 4.3115% | 1,673 |
| Noninterest income to average assets | -0.7936% | 7,391 |
| Noninterest expense to average assets | 5.5189% | 257 |
| Loan and lease loss provision to assets | 1.8209% | 328 |
| Net operating income to assets | -4.2253% | 7,343 |
| Return on assets (ROA) | -6.3316% | 7,404 |
| Pretax return on assets | -6.3316% | 7,402 |
| Return on Equity (ROE) | -185.5616% | 7,419 |
| Retained earnings to average equity (ytd only) | -185.5616% | 7,419 |
| Net charge-offs to loans | 5.2911% | 80 |
| Credit loss provision to net charge-offs | 47.1405% | 5,099 |
| Earnings coverage of net charge-offs (x) | -0.6225% | 5,869 |
| Efficiency ratio | 177.2037% | 79 |
| Assets per employee ($millions) | 5.4161% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8717% | 432 |
| Loan loss allowance to noncurrent loans | 33.7691% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 10.9489% | 296 |
| Noncurrent loans to loans | 11.4651% | 260 |
| Net loans and leases to total assets | 66.6582% | 2,757 |
| Net loans and leases to deposits | 71.4128% | 4,081 |
| Net loans and leases to core deposits | 72.0472% | 4,710 |
| Total domestic deposits to total assets | 93.3422% | 114 |
| Equity capital to assets | 2.0857% | 7,399 |
| Core capital (leverage) ratio | 2.0737% | 7,396 |
| Tier 1 risk-based capital ratio | 2.9455% | 7,396 |
| Total risk-based capital ratio | 4.2273% | 7,396 |
| Memoranda: | ||
| Average total assets | $146,667,750 | 3,877 |
| Average earning assets | $132,944,750 | 3,894 |
| Average equity | $5,004,500 | 6,499 |
| Average total loans | $107,070,000 | 3,483 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4968% | 1,300 |
| Cost of funding earning assets | 1.0204% | 3,816 |
| Net interest margin | 4.4764% | 1,187 |
| Noninterest income to average assets | -0.1185% | 7,300 |
| Noninterest expense to average assets | 5.5390% | 260 |
| Loan and lease loss provision to assets | 1.8009% | 371 |
| Net operating income to assets | -3.4425% | 7,362 |
| Return on assets (ROA) | -3.4425% | 7,365 |
| Pretax return on assets | -3.4425% | 7,356 |
| Return on Equity (ROE) | -89.3564% | 7,428 |
| Retained earnings to average equity (ytd only) | -89.3564% | 7,426 |
| Net charge-offs to loans | 5.2534% | 109 |
| Credit loss provision to net charge-offs | 46.1915% | 4,672 |
| Earnings coverage of net charge-offs (x) | -0.4210% | 5,501 |
| Efficiency ratio | 142.1181% | 187 |
| Assets per employee ($millions) | 5.1421% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4048% | 302 |
| Loan loss allowance to noncurrent loans | 36.0019% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 14.2677% | 167 |
| Noncurrent loans to loans | 12.2349% | 238 |
| Net loans and leases to total assets | 67.4128% | 2,732 |
| Net loans and leases to deposits | 72.0668% | 4,099 |
| Net loans and leases to core deposits | 74.9322% | 4,448 |
| Total domestic deposits to total assets | 93.5421% | 101 |
| Equity capital to assets | 4.3133% | 7,369 |
| Core capital (leverage) ratio | 4.3595% | 7,352 |
| Tier 1 risk-based capital ratio | 5.4077% | 7,385 |
| Total risk-based capital ratio | 6.6905% | 7,386 |
| Memoranda: | ||
| Average total assets | $146,812,330 | 3,906 |
| Average earning assets | $131,714,000 | 3,945 |
| Average equity | $5,656,000 | 6,332 |
| Average total loans | $108,959,000 | 3,482 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7944% | 746 |
| Cost of funding earning assets | 1.0929% | 3,570 |
| Net interest margin | 4.7014% | 697 |
| Noninterest income to average assets | -0.2664% | 7,447 |
| Noninterest expense to average assets | 6.1129% | 188 |
| Loan and lease loss provision to assets | 4.9019% | 63 |
| Net operating income to assets | -7.0521% | 7,527 |
| Return on assets (ROA) | -7.0521% | 7,527 |
| Pretax return on assets | -7.0521% | 7,525 |
| Return on Equity (ROE) | -194.9886% | 7,538 |
| Retained earnings to average equity (ytd only) | -194.9886% | 7,534 |
| Net charge-offs to loans | 10.6513% | 31 |
| Credit loss provision to net charge-offs | 60.4675% | 3,539 |
| Earnings coverage of net charge-offs (x) | -0.2652% | 4,721 |
| Efficiency ratio | 154.2620% | 143 |
| Assets per employee ($millions) | 4.7056% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6346% | 255 |
| Loan loss allowance to noncurrent loans | 32.4557% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 16.0590% | 133 |
| Noncurrent loans to loans | 14.2796% | 176 |
| Net loans and leases to total assets | 70.6002% | 2,010 |
| Net loans and leases to deposits | 77.3282% | 3,185 |
| Net loans and leases to core deposits | 90.2003% | 2,327 |
| Total domestic deposits to total assets | 91.2994% | 485 |
| Equity capital to assets | 4.1289% | 7,430 |
| Core capital (leverage) ratio | 4.0775% | 7,430 |
| Tier 1 risk-based capital ratio | 5.0452% | 7,455 |
| Total risk-based capital ratio | 6.3323% | 7,454 |
| Memoranda: | ||
| Average total assets | $145,658,500 | 3,963 |
| Average earning assets | $131,023,500 | 4,003 |
| Average equity | $5,268,000 | 6,462 |
| Average total loans | $110,859,500 | 3,466 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8313% | 1,195 |
| Cost of funding earning assets | 1.1980% | 4,575 |
| Net interest margin | 4.6333% | 941 |
| Noninterest income to average assets | 0.3120% | 5,565 |
| Noninterest expense to average assets | 6.4506% | 186 |
| Loan and lease loss provision to assets | 2.6818% | 392 |
| Net operating income to assets | -4.6118% | 7,498 |
| Return on assets (ROA) | -4.6118% | 7,512 |
| Pretax return on assets | -4.6118% | 7,512 |
| Return on Equity (ROE) | -151.6390% | 7,636 |
| Retained earnings to average equity (ytd only) | -151.6390% | 7,636 |
| Net charge-offs to loans | 8.7550% | 26 |
| Credit loss provision to net charge-offs | 37.0347% | 6,422 |
| Earnings coverage of net charge-offs (x) | -0.2665% | 6,337 |
| Efficiency ratio | 138.6197% | 265 |
| Assets per employee ($millions) | 4.6917% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4271% | 151 |
| Loan loss allowance to noncurrent loans | 42.9267% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 15.7314% | 140 |
| Noncurrent loans to loans | 12.6427% | 249 |
| Net loans and leases to total assets | 73.9498% | 1,673 |
| Net loans and leases to deposits | 78.9828% | 3,339 |
| Net loans and leases to core deposits | 95.9515% | 2,020 |
| Total domestic deposits to total assets | 93.6277% | 103 |
| Equity capital to assets | 3.1030% | 7,556 |
| Core capital (leverage) ratio | 3.0174% | 7,555 |
| Tier 1 risk-based capital ratio | 3.6133% | 7,583 |
| Total risk-based capital ratio | 4.9093% | 7,584 |
| Memoranda: | ||
| Average total assets | $172,123,000 | 3,496 |
| Average earning assets | $156,345,400 | 3,517 |
| Average equity | $5,234,800 | 6,579 |
| Average total loans | $142,365,000 | 2,896 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8254% | 1,330 |
| Cost of funding earning assets | 1.2083% | 4,818 |
| Net interest margin | 4.6171% | 1,009 |
| Noninterest income to average assets | 0.4743% | 4,386 |
| Noninterest expense to average assets | 6.4930% | 183 |
| Loan and lease loss provision to assets | 1.9583% | 609 |
| Net operating income to assets | -3.7711% | 7,552 |
| Return on assets (ROA) | -3.7711% | 7,564 |
| Pretax return on assets | -3.7711% | 7,539 |
| Return on Equity (ROE) | -124.5095% | 7,712 |
| Retained earnings to average equity (ytd only) | -124.5095% | 7,712 |
| Net charge-offs to loans | 9.3967% | 27 |
| Credit loss provision to net charge-offs | 24.9193% | 6,204 |
| Earnings coverage of net charge-offs (x) | -0.2307% | 6,196 |
| Efficiency ratio | 137.5398% | 260 |
| Assets per employee ($millions) | 4.0646% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9244% | 185 |
| Loan loss allowance to noncurrent loans | 30.4947% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 18.5386% | 83 |
| Noncurrent loans to loans | 16.1484% | 139 |
| Net loans and leases to total assets | 76.3628% | 1,341 |
| Net loans and leases to deposits | 80.7790% | 3,311 |
| Net loans and leases to core deposits | 119.5078% | 629 |
| Total domestic deposits to total assets | 94.5331% | 50 |
| Equity capital to assets | 3.3259% | 7,678 |
| Core capital (leverage) ratio | 3.0366% | 7,677 |
| Tier 1 risk-based capital ratio | 3.5663% | 7,697 |
| Total risk-based capital ratio | 4.8567% | 7,698 |
| Memoranda: | ||
| Average total assets | $178,793,250 | 3,438 |
| Average earning assets | $162,869,750 | 3,447 |
| Average equity | $5,415,250 | 6,615 |
| Average total loans | $149,524,750 | 2,818 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8034% | 1,420 |
| Cost of funding earning assets | 1.1885% | 5,194 |
| Net interest margin | 4.6149% | 964 |
| Noninterest income to average assets | 0.7137% | 2,628 |
| Noninterest expense to average assets | 6.7264% | 167 |
| Loan and lease loss provision to assets | 2.3498% | 494 |
| Net operating income to assets | -4.1411% | 7,635 |
| Return on assets (ROA) | -4.1411% | 7,642 |
| Pretax return on assets | -4.1411% | 7,622 |
| Return on Equity (ROE) | -140.5229% | 7,774 |
| Retained earnings to average equity (ytd only) | -140.5229% | 7,774 |
| Net charge-offs to loans | 5.6944% | 153 |
| Credit loss provision to net charge-offs | 48.8108% | 5,447 |
| Earnings coverage of net charge-offs (x) | -0.3721% | 5,965 |
| Efficiency ratio | 135.2125% | 281 |
| Assets per employee ($millions) | 4.0172% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3012% | 32 |
| Loan loss allowance to noncurrent loans | 41.0230% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 20.0926% | 57 |
| Noncurrent loans to loans | 20.2354% | 83 |
| Net loans and leases to total assets | 74.9288% | 1,711 |
| Net loans and leases to deposits | 79.1904% | 3,757 |
| Net loans and leases to core deposits | 121.4708% | 649 |
| Total domestic deposits to total assets | 94.6185% | 59 |
| Equity capital to assets | 3.2233% | 7,742 |
| Core capital (leverage) ratio | 3.0066% | 7,744 |
| Tier 1 risk-based capital ratio | 3.5871% | 7,756 |
| Total risk-based capital ratio | 4.9204% | 7,758 |
| Memoranda: | ||
| Average total assets | $186,905,670 | 3,350 |
| Average earning assets | $170,968,330 | 3,326 |
| Average equity | $5,508,000 | 6,611 |
| Average total loans | $158,014,330 | 2,720 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2145% | 3,943 |
| Cost of funding earning assets | 1.1464% | 5,674 |
| Net interest margin | 4.0681% | 2,577 |
| Noninterest income to average assets | 0.4413% | 4,551 |
| Noninterest expense to average assets | 6.8911% | 157 |
| Loan and lease loss provision to assets | -0.2639% | 7,886 |
| Net operating income to assets | -2.4105% | 7,540 |
| Return on assets (ROA) | -2.4105% | 7,546 |
| Pretax return on assets | -2.4105% | 7,500 |
| Return on Equity (ROE) | -85.3596% | 7,805 |
| Retained earnings to average equity (ytd only) | -85.3596% | 7,801 |
| Net charge-offs to loans | 9.1056% | 68 |
| Credit loss provision to net charge-offs | -3.3782% | 5,949 |
| Earnings coverage of net charge-offs (x) | -0.3423% | 5,225 |
| Efficiency ratio | 162.2005% | 170 |
| Assets per employee ($millions) | 3.8076% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4233% | 80 |
| Loan loss allowance to noncurrent loans | 32.8158% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 18.3014% | 81 |
| Noncurrent loans to loans | 19.5738% | 84 |
| Net loans and leases to total assets | 77.3110% | 1,282 |
| Net loans and leases to deposits | 81.6378% | 3,344 |
| Net loans and leases to core deposits | 137.7934% | 355 |
| Total domestic deposits to total assets | 94.7000% | 55 |
| Equity capital to assets | 2.7083% | 7,862 |
| Core capital (leverage) ratio | 2.5046% | 7,866 |
| Tier 1 risk-based capital ratio | 2.9604% | 7,879 |
| Total risk-based capital ratio | 4.2716% | 7,879 |
| Memoranda: | ||
| Average total assets | $193,988,500 | 3,301 |
| Average earning assets | $180,037,000 | 3,252 |
| Average equity | $5,478,000 | 6,684 |
| Average total loans | $166,447,000 | 2,669 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9070% | 2,198 |
| Cost of funding earning assets | 1.3073% | 6,281 |
| Net interest margin | 4.5997% | 988 |
| Noninterest income to average assets | 0.0460% | 7,519 |
| Noninterest expense to average assets | 5.5111% | 390 |
| Loan and lease loss provision to assets | 6.8826% | 68 |
| Net operating income to assets | -8.0630% | 7,932 |
| Return on assets (ROA) | -8.0630% | 7,926 |
| Pretax return on assets | -8.0630% | 7,917 |
| Return on Equity (ROE) | -105.4078% | 7,943 |
| Retained earnings to average equity (ytd only) | -107.2498% | 7,946 |
| Net charge-offs to loans | 5.1380% | 240 |
| Credit loss provision to net charge-offs | 158.6285% | 2,826 |
| Earnings coverage of net charge-offs (x) | -0.2720% | 6,517 |
| Efficiency ratio | 126.2729% | 510 |
| Assets per employee ($millions) | 3.2393% | 5,625 |
| Cash dividends to net income (ytd only)* | -1.7474% | 7,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9843% | 44 |
| Loan loss allowance to noncurrent loans | 31.4965% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 23.0488% | 32 |
| Noncurrent loans to loans | 25.3498% | 35 |
| Net loans and leases to total assets | 81.7751% | 720 |
| Net loans and leases to deposits | 88.6992% | 2,441 |
| Net loans and leases to core deposits | 98.2447% | 4,199 |
| Total domestic deposits to total assets | 92.1937% | 228 |
| Equity capital to assets | 2.9353% | 7,922 |
| Core capital (leverage) ratio | 2.6237% | 7,926 |
| Tier 1 risk-based capital ratio | 3.0168% | 7,945 |
| Total risk-based capital ratio | 4.3457% | 7,945 |
| Memoranda: | ||
| Average total assets | $234,924,200 | 2,770 |
| Average earning assets | $218,841,800 | 2,717 |
| Average equity | $17,970,200 | 3,506 |
| Average total loans | $198,384,200 | 2,308 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9504% | 2,230 |
| Cost of funding earning assets | 1.3504% | 6,395 |
| Net interest margin | 4.5999% | 991 |
| Noninterest income to average assets | 0.2806% | 6,229 |
| Noninterest expense to average assets | 5.3991% | 389 |
| Loan and lease loss provision to assets | 4.8685% | 183 |
| Net operating income to assets | -5.7032% | 7,908 |
| Return on assets (ROA) | -5.7032% | 7,906 |
| Pretax return on assets | -5.7032% | 7,887 |
| Return on Equity (ROE) | -66.2946% | 7,918 |
| Retained earnings to average equity (ytd only) | -67.8047% | 7,920 |
| Net charge-offs to loans | 5.4964% | 178 |
| Credit loss provision to net charge-offs | 106.0145% | 4,800 |
| Earnings coverage of net charge-offs (x) | -0.1817% | 6,269 |
| Efficiency ratio | 117.3882% | 637 |
| Assets per employee ($millions) | 3.7511% | 4,308 |
| Cash dividends to net income (ytd only)* | -2.2780% | 7,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4741% | 214 |
| Loan loss allowance to noncurrent loans | 30.7645% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 12.8017% | 190 |
| Noncurrent loans to loans | 14.5431% | 160 |
| Net loans and leases to total assets | 81.1191% | 958 |
| Net loans and leases to deposits | 94.8283% | 1,743 |
| Net loans and leases to core deposits | 104.3669% | 3,888 |
| Total domestic deposits to total assets | 85.5432% | 2,947 |
| Equity capital to assets | 6.3577% | 7,794 |
| Core capital (leverage) ratio | 6.2699% | 7,739 |
| Tier 1 risk-based capital ratio | 6.8193% | 7,914 |
| Total risk-based capital ratio | 8.1058% | 7,914 |
| Memoranda: | ||
| Average total assets | $244,255,750 | 2,685 |
| Average earning assets | $227,476,000 | 2,633 |
| Average equity | $21,012,750 | 3,099 |
| Average total loans | $204,078,500 | 2,279 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0374% | 2,027 |
| Cost of funding earning assets | 1.4443% | 6,335 |
| Net interest margin | 4.5932% | 968 |
| Noninterest income to average assets | 0.4093% | 5,203 |
| Noninterest expense to average assets | 5.0771% | 486 |
| Loan and lease loss provision to assets | 3.2467% | 452 |
| Net operating income to assets | -3.6489% | 7,784 |
| Return on assets (ROA) | -3.6489% | 7,783 |
| Pretax return on assets | -3.6489% | 7,701 |
| Return on Equity (ROE) | -39.3422% | 7,843 |
| Retained earnings to average equity (ytd only) | -40.5982% | 7,838 |
| Net charge-offs to loans | 3.6104% | 425 |
| Credit loss provision to net charge-offs | 108.1606% | 4,274 |
| Earnings coverage of net charge-offs (x) | -0.1340% | 5,826 |
| Efficiency ratio | 107.7488% | 917 |
| Assets per employee ($millions) | 3.2250% | 5,522 |
| Cash dividends to net income (ytd only)* | -3.1927% | 7,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1309% | 232 |
| Loan loss allowance to noncurrent loans | 36.2846% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 10.2032% | 275 |
| Noncurrent loans to loans | 11.3848% | 253 |
| Net loans and leases to total assets | 79.0823% | 1,503 |
| Net loans and leases to deposits | 89.3745% | 2,923 |
| Net loans and leases to core deposits | 99.6929% | 4,538 |
| Total domestic deposits to total assets | 88.4842% | 1,535 |
| Equity capital to assets | 8.2391% | 6,430 |
| Core capital (leverage) ratio | 7.9225% | 6,450 |
| Tier 1 risk-based capital ratio | 9.0220% | 7,685 |
| Total risk-based capital ratio | 10.3038% | 7,680 |
| Memoranda: | ||
| Average total assets | $250,653,000 | 2,625 |
| Average earning assets | $232,780,670 | 2,595 |
| Average equity | $23,247,330 | 2,840 |
| Average total loans | $208,397,670 | 2,259 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3095% | 1,272 |
| Cost of funding earning assets | 1.4893% | 6,436 |
| Net interest margin | 4.8202% | 583 |
| Noninterest income to average assets | 0.5382% | 4,004 |
| Noninterest expense to average assets | 4.7161% | 585 |
| Loan and lease loss provision to assets | 0.3299% | 3,344 |
| Net operating income to assets | -0.0584% | 6,343 |
| Return on assets (ROA) | -0.0584% | 6,469 |
| Pretax return on assets | -0.0584% | 6,441 |
| Return on Equity (ROE) | -0.5974% | 6,480 |
| Retained earnings to average equity (ytd only) | -1.4531% | 5,990 |
| Net charge-offs to loans | 3.3928% | 363 |
| Credit loss provision to net charge-offs | 11.6499% | 5,179 |
| Earnings coverage of net charge-offs (x) | 0.0959% | 4,907 |
| Efficiency ratio | 93.7658% | 1,445 |
| Assets per employee ($millions) | 3.2563% | 5,434 |
| Cash dividends to net income (ytd only)* | -143.2432% | 8,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1367% | 432 |
| Loan loss allowance to noncurrent loans | 39.1468% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 7.4855% | 419 |
| Noncurrent loans to loans | 8.0127% | 449 |
| Net loans and leases to total assets | 80.6087% | 1,273 |
| Net loans and leases to deposits | 106.2231% | 847 |
| Net loans and leases to core deposits | 121.7474% | 2,277 |
| Total domestic deposits to total assets | 75.8862% | 6,529 |
| Equity capital to assets | 10.0058% | 4,002 |
| Core capital (leverage) ratio | 10.1155% | 3,279 |
| Tier 1 risk-based capital ratio | 10.4605% | 6,435 |
| Total risk-based capital ratio | 11.7297% | 6,331 |
| Memoranda: | ||
| Average total assets | $253,430,000 | 2,605 |
| Average earning assets | $233,934,000 | 2,599 |
| Average equity | $24,774,000 | 2,676 |
| Average total loans | $211,505,500 | 2,254 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2174% | 710 |
| Cost of funding earning assets | 2.2636% | 5,317 |
| Net interest margin | 4.9538% | 563 |
| Noninterest income to average assets | 1.9618% | 358 |
| Noninterest expense to average assets | 8.7603% | 187 |
| Loan and lease loss provision to assets | 3.3278% | 256 |
| Net operating income to assets | -5.6278% | 8,129 |
| Return on assets (ROA) | -8.1601% | 8,222 |
| Pretax return on assets | -8.1601% | 8,206 |
| Return on Equity (ROE) | -59.1148% | 8,198 |
| Retained earnings to average equity (ytd only) | -59.1148% | 8,184 |
| Net charge-offs to loans | 0.8678% | 1,442 |
| Credit loss provision to net charge-offs | 471.7904% | 933 |
| Earnings coverage of net charge-offs (x) | -3.2608% | 6,777 |
| Efficiency ratio | 80.2816% | 2,557 |
| Assets per employee ($millions) | 3.1251% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7063% | 237 |
| Loan loss allowance to noncurrent loans | 86.8884% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 3.9960% | 1,029 |
| Noncurrent loans to loans | 4.2656% | 1,140 |
| Net loans and leases to total assets | 80.5828% | 1,529 |
| Net loans and leases to deposits | 102.3615% | 1,547 |
| Net loans and leases to core deposits | 128.9526% | 1,933 |
| Total domestic deposits to total assets | 78.7237% | 5,475 |
| Equity capital to assets | 9.5558% | 4,605 |
| Core capital (leverage) ratio | 9.3247% | 4,265 |
| Tier 1 risk-based capital ratio | 10.0156% | 6,719 |
| Total risk-based capital ratio | 11.2911% | 6,568 |
| Memoranda: | ||
| Average total assets | $246,258,000 | 2,593 |
| Average earning assets | $223,627,000 | 2,617 |
| Average equity | $33,993,200 | 1,992 |
| Average total loans | $200,160,000 | 2,297 |