Home > Flagship Bank Minnesota > Performance and Condition Ratios
Flagship Bank Minnesota, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 1,559 |
| Cost of funding earning assets | 1.3902% | 2,255 |
| Net interest margin | 3.8665% | 1,448 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.4194% | 2,529 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.3879% | 1,234 |
| Return on assets (ROA) | 1.3879% | 1,207 |
| Pretax return on assets | 1.5452% | 1,334 |
| Return on Equity (ROE) | 14.3200% | 1,422 |
| Retained earnings to average equity (ytd only) | 14.3203% | 376 |
| Net charge-offs to loans | 0.0082% | 2,363 |
| Credit loss provision to net charge-offs | 747.8261% | 504 |
| Earnings coverage of net charge-offs (x) | 224.8261% | 543 |
| Efficiency ratio | 59.1255% | 3,175 |
| Assets per employee ($millions) | 7.0997% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 3,519 |
| Loan loss allowance to noncurrent loans | 14,747.3684% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,766 |
| Noncurrent loans to loans | 0.0065% | 3,731 |
| Net loans and leases to total assets | 89.0900% | 53 |
| Net loans and leases to deposits | 99.8312% | 544 |
| Net loans and leases to core deposits | 110.7541% | 927 |
| Total domestic deposits to total assets | 89.2400% | 991 |
| Equity capital to assets | 9.9013% | 2,066 |
| Core capital (leverage) ratio | 9.9245% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9979% | 1,870 |
| Memoranda: | ||
| Average total assets | $318,470,800 | 2,328 |
| Average earning assets | $303,118,000 | 2,284 |
| Average equity | $30,865,200 | 2,232 |
| Average total loans | $281,741,000 | 1,866 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1800% | 1,491 |
| Cost of funding earning assets | 1.2815% | 2,191 |
| Net interest margin | 3.8985% | 1,404 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.4686% | 2,320 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.3474% | 1,428 |
| Return on assets (ROA) | 1.3474% | 1,411 |
| Pretax return on assets | 1.4751% | 1,620 |
| Return on Equity (ROE) | 13.9800% | 1,656 |
| Retained earnings to average equity (ytd only) | 13.9811% | 673 |
| Net charge-offs to loans | 0.0019% | 2,510 |
| Credit loss provision to net charge-offs | 6,250.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 937.7500% | 172 |
| Efficiency ratio | 60.2497% | 2,935 |
| Assets per employee ($millions) | 6.6143% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,308 |
| Loan loss allowance to noncurrent loans | 13,804.7619% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,799 |
| Noncurrent loans to loans | 0.0073% | 3,755 |
| Net loans and leases to total assets | 87.5600% | 96 |
| Net loans and leases to deposits | 97.6612% | 634 |
| Net loans and leases to core deposits | 106.1932% | 1,006 |
| Total domestic deposits to total assets | 89.6600% | 1,028 |
| Equity capital to assets | 9.6729% | 2,004 |
| Core capital (leverage) ratio | 9.6754% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1445% | 1,839 |
| Memoranda: | ||
| Average total assets | $316,442,500 | 2,343 |
| Average earning assets | $300,792,500 | 2,305 |
| Average equity | $30,497,500 | 2,231 |
| Average total loans | $278,740,750 | 1,883 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 1,445 |
| Cost of funding earning assets | 1.1005% | 2,278 |
| Net interest margin | 3.9563% | 1,315 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.4684% | 2,295 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.4222% | 1,275 |
| Return on assets (ROA) | 1.4222% | 1,257 |
| Pretax return on assets | 1.5483% | 1,502 |
| Return on Equity (ROE) | 14.7700% | 1,517 |
| Retained earnings to average equity (ytd only) | 14.7749% | 586 |
| Net charge-offs to loans | 0.0036% | 2,182 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 516.0000% | 287 |
| Efficiency ratio | 59.3121% | 3,040 |
| Assets per employee ($millions) | 6.6521% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 3,482 |
| Loan loss allowance to noncurrent loans | 12,165.2174% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,788 |
| Noncurrent loans to loans | 0.0081% | 3,738 |
| Net loans and leases to total assets | 87.8500% | 85 |
| Net loans and leases to deposits | 97.9984% | 606 |
| Net loans and leases to core deposits | 108.7442% | 877 |
| Total domestic deposits to total assets | 89.6400% | 1,038 |
| Equity capital to assets | 9.6332% | 2,076 |
| Core capital (leverage) ratio | 9.8106% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7842% | 1,994 |
| Memoranda: | ||
| Average total assets | $313,890,000 | 2,363 |
| Average earning assets | $298,054,333 | 2,328 |
| Average equity | $30,213,333 | 2,257 |
| Average total loans | $276,094,667 | 1,883 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 1,456 |
| Cost of funding earning assets | 0.8995% | 2,375 |
| Net interest margin | 3.9774% | 1,310 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.4410% | 2,395 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.4551% | 1,275 |
| Return on assets (ROA) | 1.4551% | 1,250 |
| Pretax return on assets | 1.5862% | 1,497 |
| Return on Equity (ROE) | 15.1200% | 1,535 |
| Retained earnings to average equity (ytd only) | 15.1233% | 788 |
| Net charge-offs to loans | 0.0059% | 1,747 |
| Credit loss provision to net charge-offs | 1,875.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 327.2500% | 342 |
| Efficiency ratio | 58.4788% | 3,132 |
| Assets per employee ($millions) | 6.3314% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 3,567 |
| Loan loss allowance to noncurrent loans | 10,896.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,797 |
| Noncurrent loans to loans | 0.0091% | 3,765 |
| Net loans and leases to total assets | 86.3600% | 127 |
| Net loans and leases to deposits | 96.0339% | 650 |
| Net loans and leases to core deposits | 101.5346% | 1,023 |
| Total domestic deposits to total assets | 89.9300% | 1,180 |
| Equity capital to assets | 9.6689% | 2,022 |
| Core capital (leverage) ratio | 9.8460% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9456% | 1,991 |
| Memoranda: | ||
| Average total assets | $311,184,500 | 2,403 |
| Average earning assets | $296,172,500 | 2,366 |
| Average equity | $29,940,500 | 2,297 |
| Average total loans | $272,494,000 | 1,917 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 1,393 |
| Cost of funding earning assets | 0.2523% | 3,300 |
| Net interest margin | 3.8817% | 1,002 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.3787% | 2,480 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3180% | 1,365 |
| Return on assets (ROA) | 1.3180% | 1,326 |
| Pretax return on assets | 1.6063% | 1,157 |
| Return on Equity (ROE) | 13.9700% | 1,537 |
| Retained earnings to average equity (ytd only) | 4.9035% | 3,087 |
| Net charge-offs to loans | -0.0489% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.2903% | 3,298 |
| Assets per employee ($millions) | 6.1159% | 2,661 |
| Cash dividends to net income (ytd only)* | 64.9044% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,453 |
| Loan loss allowance to noncurrent loans | 9,825.9259% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,813 |
| Noncurrent loans to loans | 0.0100% | 3,773 |
| Net loans and leases to total assets | 87.0600% | 104 |
| Net loans and leases to deposits | 96.3737% | 618 |
| Net loans and leases to core deposits | 100.4926% | 977 |
| Total domestic deposits to total assets | 90.3300% | 1,230 |
| Equity capital to assets | 9.5724% | 1,952 |
| Core capital (leverage) ratio | 9.3375% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9175% | 2,006 |
| Memoranda: | ||
| Average total assets | $321,480,800 | 2,343 |
| Average earning assets | $305,591,200 | 2,309 |
| Average equity | $30,325,000 | 2,321 |
| Average total loans | $249,357,400 | 1,946 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8538% | 1,605 |
| Cost of funding earning assets | 0.1716% | 3,605 |
| Net interest margin | 3.6822% | 1,182 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.3314% | 2,537 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1620% | 1,847 |
| Return on assets (ROA) | 1.1620% | 1,822 |
| Pretax return on assets | 1.4542% | 1,538 |
| Return on Equity (ROE) | 12.3600% | 1,925 |
| Retained earnings to average equity (ytd only) | 12.3617% | 717 |
| Net charge-offs to loans | -0.0027% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3500% | 3,073 |
| Assets per employee ($millions) | 6.1840% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 3,647 |
| Loan loss allowance to noncurrent loans | 8,486.2069% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,903 |
| Noncurrent loans to loans | 0.0113% | 3,858 |
| Net loans and leases to total assets | 80.3200% | 505 |
| Net loans and leases to deposits | 89.2821% | 943 |
| Net loans and leases to core deposits | 92.1118% | 1,172 |
| Total domestic deposits to total assets | 89.9600% | 1,678 |
| Equity capital to assets | 9.8274% | 1,705 |
| Core capital (leverage) ratio | 9.7897% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2679% | 1,629 |
| Memoranda: | ||
| Average total assets | $325,401,750 | 2,342 |
| Average earning assets | $309,297,250 | 2,305 |
| Average equity | $30,588,250 | 2,341 |
| Average total loans | $244,479,250 | 1,974 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5497% | 1,995 |
| Cost of funding earning assets | 0.1447% | 3,637 |
| Net interest margin | 3.4051% | 1,588 |
| Noninterest income to average assets | 0.3072% | 3,323 |
| Noninterest expense to average assets | 2.3252% | 2,475 |
| Loan and lease loss provision to assets | 0.0091% | 2,429 |
| Net operating income to assets | 0.8736% | 2,690 |
| Return on assets (ROA) | 0.8736% | 2,664 |
| Pretax return on assets | 1.2095% | 2,047 |
| Return on Equity (ROE) | 9.4309% | 2,553 |
| Retained earnings to average equity (ytd only) | 9.4309% | 1,164 |
| Net charge-offs to loans | -0.0066% | 3,439 |
| Credit loss provision to net charge-offs | -187.5000% | 3,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8240% | 2,664 |
| Assets per employee ($millions) | 6.6085% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,622 |
| Loan loss allowance to noncurrent loans | 7,754.8387% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,938 |
| Noncurrent loans to loans | 0.0128% | 3,880 |
| Net loans and leases to total assets | 72.4463% | 1,060 |
| Net loans and leases to deposits | 79.9866% | 1,389 |
| Net loans and leases to core deposits | 82.3509% | 1,573 |
| Total domestic deposits to total assets | 90.5730% | 1,427 |
| Equity capital to assets | 9.2672% | 2,191 |
| Core capital (leverage) ratio | 9.3639% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7026% | 1,508 |
| Memoranda: | ||
| Average total assets | $328,741,333 | 2,328 |
| Average earning assets | $312,476,667 | 2,311 |
| Average equity | $30,453,000 | 2,396 |
| Average total loans | $240,714,667 | 1,991 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5041% | 1,799 |
| Cost of funding earning assets | 0.1281% | 3,798 |
| Net interest margin | 3.3760% | 1,362 |
| Noninterest income to average assets | 0.2855% | 3,419 |
| Noninterest expense to average assets | 2.3446% | 2,356 |
| Loan and lease loss provision to assets | 0.0183% | 2,027 |
| Net operating income to assets | 0.4867% | 3,746 |
| Return on assets (ROA) | 0.4867% | 3,709 |
| Pretax return on assets | 1.1382% | 2,024 |
| Return on Equity (ROE) | 5.2554% | 3,554 |
| Retained earnings to average equity (ytd only) | 5.2554% | 2,495 |
| Net charge-offs to loans | -0.0117% | 3,645 |
| Credit loss provision to net charge-offs | -214.2857% | 2,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1672% | 2,749 |
| Assets per employee ($millions) | 6.7358% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,605 |
| Loan loss allowance to noncurrent loans | 7,281.8182% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,967 |
| Noncurrent loans to loans | 0.0141% | 3,909 |
| Net loans and leases to total assets | 70.1874% | 1,004 |
| Net loans and leases to deposits | 77.4196% | 1,334 |
| Net loans and leases to core deposits | 79.6063% | 1,510 |
| Total domestic deposits to total assets | 90.6584% | 1,210 |
| Equity capital to assets | 9.2095% | 2,519 |
| Core capital (leverage) ratio | 9.3324% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0923% | 1,486 |
| Memoranda: | ||
| Average total assets | $327,900,000 | 2,353 |
| Average earning assets | $312,323,000 | 2,325 |
| Average equity | $30,369,000 | 2,462 |
| Average total loans | $240,180,000 | 1,993 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 1,386 |
| Cost of funding earning assets | 0.2558% | 2,860 |
| Net interest margin | 3.7320% | 1,137 |
| Noninterest income to average assets | 0.4764% | 2,693 |
| Noninterest expense to average assets | 2.1942% | 3,106 |
| Loan and lease loss provision to assets | 0.0777% | 1,569 |
| Net operating income to assets | 1.2206% | 1,852 |
| Return on assets (ROA) | 1.2206% | 1,901 |
| Pretax return on assets | 1.7538% | 1,014 |
| Return on Equity (ROE) | 13.8644% | 1,224 |
| Retained earnings to average equity (ytd only) | 13.8644% | 320 |
| Net charge-offs to loans | -0.0017% | 3,338 |
| Credit loss provision to net charge-offs | -6,250.0000% | 4,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7476% | 3,959 |
| Assets per employee ($millions) | 6.6479% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 3,886 |
| Loan loss allowance to noncurrent loans | 6,802.8571% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 4,048 |
| Noncurrent loans to loans | 0.0142% | 3,987 |
| Net loans and leases to total assets | 74.8803% | 596 |
| Net loans and leases to deposits | 83.5180% | 944 |
| Net loans and leases to core deposits | 86.0507% | 1,197 |
| Total domestic deposits to total assets | 89.6576% | 1,138 |
| Equity capital to assets | 9.3146% | 3,303 |
| Core capital (leverage) ratio | 9.1024% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0024% | 1,840 |
| Memoranda: | ||
| Average total assets | $321,807,600 | 2,334 |
| Average earning assets | $306,053,000 | 2,301 |
| Average equity | $28,331,600 | 2,626 |
| Average total loans | $238,334,200 | 1,996 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9206% | 1,704 |
| Cost of funding earning assets | 0.2916% | 2,673 |
| Net interest margin | 3.6290% | 1,528 |
| Noninterest income to average assets | 0.4534% | 2,822 |
| Noninterest expense to average assets | 2.1573% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1986% | 2,175 |
| Return on assets (ROA) | 1.1986% | 2,230 |
| Pretax return on assets | 1.7455% | 1,290 |
| Return on Equity (ROE) | 13.8174% | 1,443 |
| Retained earnings to average equity (ytd only) | 13.8174% | 526 |
| Net charge-offs to loans | -0.0017% | 3,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4777% | 3,730 |
| Assets per employee ($millions) | 6.9195% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 4,247 |
| Loan loss allowance to noncurrent loans | 5,756.7568% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 2,619 |
| Noncurrent loans to loans | 0.0149% | 4,095 |
| Net loans and leases to total assets | 73.8813% | 701 |
| Net loans and leases to deposits | 81.2244% | 1,172 |
| Net loans and leases to core deposits | 83.8468% | 1,437 |
| Total domestic deposits to total assets | 90.9595% | 382 |
| Equity capital to assets | 8.8473% | 3,964 |
| Core capital (leverage) ratio | 8.8086% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7803% | 2,053 |
| Memoranda: | ||
| Average total assets | $320,822,500 | 2,364 |
| Average earning assets | $304,945,750 | 2,333 |
| Average equity | $27,829,000 | 2,694 |
| Average total loans | $236,342,250 | 2,050 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 1,578 |
| Cost of funding earning assets | 0.3577% | 2,250 |
| Net interest margin | 3.6368% | 1,505 |
| Noninterest income to average assets | 0.2940% | 3,662 |
| Noninterest expense to average assets | 2.1656% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1058% | 2,525 |
| Return on assets (ROA) | 1.1058% | 2,589 |
| Pretax return on assets | 1.5852% | 1,778 |
| Return on Equity (ROE) | 12.8376% | 1,773 |
| Retained earnings to average equity (ytd only) | 12.8376% | 752 |
| Net charge-offs to loans | -0.0017% | 3,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8618% | 3,423 |
| Assets per employee ($millions) | 6.2998% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 4,126 |
| Loan loss allowance to noncurrent loans | 5,322.5000% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,929 |
| Noncurrent loans to loans | 0.0171% | 4,140 |
| Net loans and leases to total assets | 70.6830% | 1,129 |
| Net loans and leases to deposits | 77.4989% | 1,680 |
| Net loans and leases to core deposits | 80.1638% | 1,876 |
| Total domestic deposits to total assets | 91.2051% | 305 |
| Equity capital to assets | 8.6343% | 4,101 |
| Core capital (leverage) ratio | 8.5408% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6466% | 1,740 |
| Memoranda: | ||
| Average total assets | $317,051,000 | 2,376 |
| Average earning assets | $301,363,000 | 2,340 |
| Average equity | $27,310,333 | 2,716 |
| Average total loans | $232,617,333 | 2,080 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 1,655 |
| Cost of funding earning assets | 0.4885% | 1,465 |
| Net interest margin | 3.4831% | 1,870 |
| Noninterest income to average assets | 0.2194% | 4,071 |
| Noninterest expense to average assets | 2.1733% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6594% | 3,800 |
| Return on assets (ROA) | 0.6594% | 3,876 |
| Pretax return on assets | 1.3574% | 2,402 |
| Return on Equity (ROE) | 7.6651% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.6651% | 2,357 |
| Net charge-offs to loans | -0.0017% | 3,107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5015% | 2,975 |
| Assets per employee ($millions) | 6.7740% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,148 |
| Loan loss allowance to noncurrent loans | 5,066.6667% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 4,026 |
| Noncurrent loans to loans | 0.0178% | 4,202 |
| Net loans and leases to total assets | 70.3874% | 1,239 |
| Net loans and leases to deposits | 77.8871% | 1,730 |
| Net loans and leases to core deposits | 80.7989% | 1,932 |
| Total domestic deposits to total assets | 90.3710% | 633 |
| Equity capital to assets | 8.1554% | 4,392 |
| Core capital (leverage) ratio | 8.3689% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5420% | 1,727 |
| Memoranda: | ||
| Average total assets | $311,782,500 | 2,387 |
| Average earning assets | $296,401,000 | 2,355 |
| Average equity | $26,823,000 | 2,745 |
| Average total loans | $232,087,000 | 2,087 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8943% | 604 |
| Cost of funding earning assets | 0.6224% | 2,164 |
| Net interest margin | 4.2720% | 540 |
| Noninterest income to average assets | 0.2678% | 3,877 |
| Noninterest expense to average assets | 2.3588% | 3,246 |
| Loan and lease loss provision to assets | 0.3129% | 1,191 |
| Net operating income to assets | 1.1499% | 1,725 |
| Return on assets (ROA) | 1.1499% | 1,849 |
| Pretax return on assets | 1.6211% | 1,024 |
| Return on Equity (ROE) | 12.5080% | 1,175 |
| Retained earnings to average equity (ytd only) | 7.0630% | 1,374 |
| Net charge-offs to loans | -0.0287% | 4,524 |
| Credit loss provision to net charge-offs | -1,367.1875% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6232% | 4,249 |
| Assets per employee ($millions) | 6.0758% | 2,273 |
| Cash dividends to net income (ytd only)* | 43.5323% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 4,094 |
| Loan loss allowance to noncurrent loans | 4,834.0909% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 4,058 |
| Noncurrent loans to loans | 0.0193% | 4,267 |
| Net loans and leases to total assets | 77.5908% | 636 |
| Net loans and leases to deposits | 88.1481% | 1,076 |
| Net loans and leases to core deposits | 91.6638% | 1,411 |
| Total domestic deposits to total assets | 88.0232% | 1,459 |
| Equity capital to assets | 9.1126% | 3,960 |
| Core capital (leverage) ratio | 8.5877% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1075% | 1,819 |
| Memoranda: | ||
| Average total assets | $279,678,800 | 2,397 |
| Average earning assets | $263,509,200 | 2,376 |
| Average equity | $25,711,600 | 2,753 |
| Average total loans | $222,957,000 | 2,087 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 767 |
| Cost of funding earning assets | 0.6776% | 2,154 |
| Net interest margin | 4.2020% | 730 |
| Noninterest income to average assets | 0.2385% | 4,065 |
| Noninterest expense to average assets | 2.3352% | 3,325 |
| Loan and lease loss provision to assets | 0.3133% | 1,274 |
| Net operating income to assets | 1.0953% | 1,998 |
| Return on assets (ROA) | 1.0953% | 2,125 |
| Pretax return on assets | 1.5435% | 1,346 |
| Return on Equity (ROE) | 11.8868% | 1,404 |
| Retained earnings to average equity (ytd only) | 4.5654% | 2,763 |
| Net charge-offs to loans | -0.0373% | 4,600 |
| Credit loss provision to net charge-offs | -1,048.3871% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3396% | 4,112 |
| Assets per employee ($millions) | 6.6491% | 1,714 |
| Cash dividends to net income (ytd only)* | 61.5926% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 4,338 |
| Loan loss allowance to noncurrent loans | 4,130.4348% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 4,169 |
| Noncurrent loans to loans | 0.0197% | 4,336 |
| Net loans and leases to total assets | 75.8985% | 1,109 |
| Net loans and leases to deposits | 85.5315% | 1,760 |
| Net loans and leases to core deposits | 89.2249% | 2,040 |
| Total domestic deposits to total assets | 88.7375% | 882 |
| Equity capital to assets | 8.3846% | 4,527 |
| Core capital (leverage) ratio | 8.4739% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6768% | 1,938 |
| Memoranda: | ||
| Average total assets | $276,688,750 | 2,395 |
| Average earning assets | $260,311,250 | 2,373 |
| Average equity | $25,495,500 | 2,760 |
| Average total loans | $221,593,250 | 2,093 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8592% | 1,038 |
| Cost of funding earning assets | 0.7532% | 2,098 |
| Net interest margin | 4.1060% | 1,099 |
| Noninterest income to average assets | 0.2420% | 4,034 |
| Noninterest expense to average assets | 2.3726% | 3,335 |
| Loan and lease loss provision to assets | 0.2622% | 1,620 |
| Net operating income to assets | 1.0361% | 2,202 |
| Return on assets (ROA) | 1.0361% | 2,336 |
| Pretax return on assets | 1.4624% | 1,555 |
| Return on Equity (ROE) | 10.8702% | 1,676 |
| Retained earnings to average equity (ytd only) | 10.8702% | 624 |
| Net charge-offs to loans | -0.0552% | 4,707 |
| Credit loss provision to net charge-offs | -583.3333% | 3,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4454% | 3,891 |
| Assets per employee ($millions) | 6.9070% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6665% | 4,642 |
| Loan loss allowance to noncurrent loans | 3,329.1667% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 4,252 |
| Noncurrent loans to loans | 0.0200% | 4,415 |
| Net loans and leases to total assets | 78.3676% | 807 |
| Net loans and leases to deposits | 88.5195% | 1,502 |
| Net loans and leases to core deposits | 93.7116% | 1,768 |
| Total domestic deposits to total assets | 88.5315% | 931 |
| Equity capital to assets | 8.6098% | 4,416 |
| Core capital (leverage) ratio | 9.0028% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2852% | 2,073 |
| Memoranda: | ||
| Average total assets | $266,966,000 | 2,431 |
| Average earning assets | $250,656,333 | 2,417 |
| Average equity | $25,445,667 | 2,751 |
| Average total loans | $217,444,000 | 2,104 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 834 |
| Cost of funding earning assets | 0.8880% | 1,932 |
| Net interest margin | 4.1889% | 944 |
| Noninterest income to average assets | 0.2527% | 4,037 |
| Noninterest expense to average assets | 2.5465% | 3,142 |
| Loan and lease loss provision to assets | 0.0805% | 2,704 |
| Net operating income to assets | 1.0946% | 1,862 |
| Return on assets (ROA) | 1.0946% | 1,958 |
| Pretax return on assets | 1.5437% | 1,198 |
| Return on Equity (ROE) | 10.8429% | 1,459 |
| Retained earnings to average equity (ytd only) | 10.8429% | 590 |
| Net charge-offs to loans | -0.1047% | 4,823 |
| Credit loss provision to net charge-offs | -92.5926% | 3,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5137% | 3,808 |
| Assets per employee ($millions) | 5.7297% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6295% | 4,719 |
| Loan loss allowance to noncurrent loans | 2,584.0000% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 4,157 |
| Noncurrent loans to loans | 0.0244% | 4,473 |
| Net loans and leases to total assets | 79.1068% | 807 |
| Net loans and leases to deposits | 91.1742% | 1,380 |
| Net loans and leases to core deposits | 97.4161% | 1,687 |
| Total domestic deposits to total assets | 86.7644% | 1,663 |
| Equity capital to assets | 9.8835% | 3,895 |
| Core capital (leverage) ratio | 10.1215% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5220% | 2,468 |
| Memoranda: | ||
| Average total assets | $248,494,000 | 2,502 |
| Average earning assets | $232,426,500 | 2,486 |
| Average equity | $25,085,500 | 2,772 |
| Average total loans | $206,283,500 | 2,137 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 823 |
| Cost of funding earning assets | 1.0118% | 1,675 |
| Net interest margin | 4.2840% | 1,127 |
| Noninterest income to average assets | 0.3587% | 3,555 |
| Noninterest expense to average assets | 2.7117% | 2,850 |
| Loan and lease loss provision to assets | 0.0064% | 3,875 |
| Net operating income to assets | 1.1356% | 2,307 |
| Return on assets (ROA) | 1.1356% | 2,408 |
| Pretax return on assets | 1.6026% | 1,479 |
| Return on Equity (ROE) | 11.0569% | 1,860 |
| Retained earnings to average equity (ytd only) | 11.0569% | 328 |
| Net charge-offs to loans | -0.0392% | 4,772 |
| Credit loss provision to net charge-offs | -19.7368% | 4,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1849% | 3,507 |
| Assets per employee ($millions) | 5.3145% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5731% | 4,790 |
| Loan loss allowance to noncurrent loans | 2,284.6154% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 4,126 |
| Noncurrent loans to loans | 0.0251% | 4,464 |
| Net loans and leases to total assets | 86.1883% | 153 |
| Net loans and leases to deposits | 100.0757% | 601 |
| Net loans and leases to core deposits | 112.1307% | 749 |
| Total domestic deposits to total assets | 86.1231% | 2,022 |
| Equity capital to assets | 10.3231% | 3,611 |
| Core capital (leverage) ratio | 10.0599% | 3,449 |
| Tier 1 risk-based capital ratio | 12.3380% | 4,170 |
| Total risk-based capital ratio | 12.9556% | 4,409 |
| Memoranda: | ||
| Average total assets | $233,615,400 | 2,554 |
| Average earning assets | $216,060,000 | 2,558 |
| Average equity | $23,994,000 | 2,796 |
| Average total loans | $193,960,400 | 2,207 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2270% | 985 |
| Cost of funding earning assets | 1.0137% | 1,707 |
| Net interest margin | 4.2134% | 1,349 |
| Noninterest income to average assets | 0.3370% | 3,717 |
| Noninterest expense to average assets | 2.6571% | 2,991 |
| Loan and lease loss provision to assets | 0.0086% | 3,716 |
| Net operating income to assets | 1.1063% | 2,547 |
| Return on assets (ROA) | 1.1063% | 2,638 |
| Pretax return on assets | 1.5610% | 1,779 |
| Return on Equity (ROE) | 10.7860% | 2,103 |
| Retained earnings to average equity (ytd only) | 10.7860% | 567 |
| Net charge-offs to loans | -0.0245% | 4,641 |
| Credit loss provision to net charge-offs | -42.8571% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2469% | 3,445 |
| Assets per employee ($millions) | 5.3032% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5684% | 4,871 |
| Loan loss allowance to noncurrent loans | 2,124.0741% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 4,227 |
| Noncurrent loans to loans | 0.0268% | 4,554 |
| Net loans and leases to total assets | 80.4994% | 780 |
| Net loans and leases to deposits | 92.6634% | 1,353 |
| Net loans and leases to core deposits | 100.6971% | 1,609 |
| Total domestic deposits to total assets | 86.8730% | 1,586 |
| Equity capital to assets | 9.6109% | 4,374 |
| Core capital (leverage) ratio | 9.8275% | 3,816 |
| Tier 1 risk-based capital ratio | 11.9830% | 4,426 |
| Total risk-based capital ratio | 12.5886% | 4,645 |
| Memoranda: | ||
| Average total assets | $232,231,000 | 2,587 |
| Average earning assets | $214,392,500 | 2,593 |
| Average equity | $23,820,500 | 2,822 |
| Average total loans | $190,623,000 | 2,248 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2930% | 826 |
| Cost of funding earning assets | 1.0186% | 1,608 |
| Net interest margin | 4.2744% | 1,194 |
| Noninterest income to average assets | 0.3452% | 3,624 |
| Noninterest expense to average assets | 2.7013% | 2,901 |
| Loan and lease loss provision to assets | 0.0132% | 3,508 |
| Net operating income to assets | 1.1167% | 2,457 |
| Return on assets (ROA) | 1.1167% | 2,531 |
| Pretax return on assets | 1.5758% | 1,625 |
| Return on Equity (ROE) | 10.6411% | 2,118 |
| Retained earnings to average equity (ytd only) | 10.6411% | 615 |
| Net charge-offs to loans | -0.0353% | 4,730 |
| Credit loss provision to net charge-offs | -45.4545% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3169% | 3,537 |
| Assets per employee ($millions) | 5.1452% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 4,893 |
| Loan loss allowance to noncurrent loans | 504.4053% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 3,870 |
| Noncurrent loans to loans | 0.1166% | 4,153 |
| Net loans and leases to total assets | 83.5843% | 405 |
| Net loans and leases to deposits | 97.7918% | 862 |
| Net loans and leases to core deposits | 104.8699% | 1,311 |
| Total domestic deposits to total assets | 85.4717% | 2,278 |
| Equity capital to assets | 10.5660% | 3,457 |
| Core capital (leverage) ratio | 10.0456% | 3,540 |
| Tier 1 risk-based capital ratio | 12.4603% | 4,149 |
| Total risk-based capital ratio | 13.0826% | 4,398 |
| Memoranda: | ||
| Average total assets | $226,558,330 | 2,635 |
| Average earning assets | $209,107,670 | 2,644 |
| Average equity | $23,775,670 | 2,819 |
| Average total loans | $186,900,330 | 2,286 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3581% | 685 |
| Cost of funding earning assets | 0.9879% | 1,619 |
| Net interest margin | 4.3702% | 967 |
| Noninterest income to average assets | 0.2999% | 3,877 |
| Noninterest expense to average assets | 2.6920% | 2,929 |
| Loan and lease loss provision to assets | 0.0268% | 3,072 |
| Net operating income to assets | 1.1407% | 2,308 |
| Return on assets (ROA) | 1.1407% | 2,357 |
| Pretax return on assets | 1.6084% | 1,451 |
| Return on Equity (ROE) | 10.9084% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.9084% | 819 |
| Net charge-offs to loans | -0.0546% | 4,862 |
| Credit loss provision to net charge-offs | -60.0000% | 3,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5611% | 3,739 |
| Assets per employee ($millions) | 4.9365% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 4,905 |
| Loan loss allowance to noncurrent loans | 568.5000% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,311 |
| Noncurrent loans to loans | 0.1085% | 4,248 |
| Net loans and leases to total assets | 82.4616% | 533 |
| Net loans and leases to deposits | 93.0859% | 1,273 |
| Net loans and leases to core deposits | 104.0328% | 1,316 |
| Total domestic deposits to total assets | 88.5865% | 1,043 |
| Equity capital to assets | 10.7085% | 3,154 |
| Core capital (leverage) ratio | 9.7643% | 3,853 |
| Tier 1 risk-based capital ratio | 12.4859% | 4,177 |
| Total risk-based capital ratio | 13.1314% | 4,433 |
| Memoranda: | ||
| Average total assets | $224,070,000 | 2,690 |
| Average earning assets | $206,491,500 | 2,702 |
| Average equity | $23,431,500 | 2,848 |
| Average total loans | $183,014,500 | 2,334 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 1,073 |
| Cost of funding earning assets | 0.8055% | 1,498 |
| Net interest margin | 4.1805% | 1,446 |
| Noninterest income to average assets | 0.2796% | 4,232 |
| Noninterest expense to average assets | 2.9595% | 2,166 |
| Loan and lease loss provision to assets | 0.0028% | 4,052 |
| Net operating income to assets | 0.8004% | 3,804 |
| Return on assets (ROA) | 0.8004% | 3,807 |
| Pretax return on assets | 1.1311% | 3,163 |
| Return on Equity (ROE) | 7.6806% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.6806% | 1,383 |
| Net charge-offs to loans | -0.0410% | 4,910 |
| Credit loss provision to net charge-offs | -8.4507% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5652% | 2,272 |
| Assets per employee ($millions) | 5.2558% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6037% | 4,962 |
| Loan loss allowance to noncurrent loans | 527.4038% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 3,274 |
| Noncurrent loans to loans | 0.1145% | 4,213 |
| Net loans and leases to total assets | 79.9181% | 953 |
| Net loans and leases to deposits | 89.3788% | 1,880 |
| Net loans and leases to core deposits | 98.2495% | 1,852 |
| Total domestic deposits to total assets | 89.4150% | 696 |
| Equity capital to assets | 10.2102% | 3,458 |
| Core capital (leverage) ratio | 9.6318% | 3,969 |
| Tier 1 risk-based capital ratio | 12.1897% | 4,301 |
| Total risk-based capital ratio | 12.8259% | 4,581 |
| Memoranda: | ||
| Average total assets | $213,517,400 | 2,744 |
| Average earning assets | $194,785,400 | 2,764 |
| Average equity | $22,251,000 | 2,882 |
| Average total loans | $173,218,000 | 2,409 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 1,004 |
| Cost of funding earning assets | 0.7733% | 1,459 |
| Net interest margin | 4.1920% | 1,376 |
| Noninterest income to average assets | 0.1755% | 4,907 |
| Noninterest expense to average assets | 2.9727% | 2,098 |
| Loan and lease loss provision to assets | 0.0038% | 3,897 |
| Net operating income to assets | 0.7237% | 4,154 |
| Return on assets (ROA) | 0.7237% | 4,164 |
| Pretax return on assets | 1.0158% | 3,675 |
| Return on Equity (ROE) | 6.9069% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.9069% | 2,175 |
| Net charge-offs to loans | -0.0507% | 4,935 |
| Credit loss provision to net charge-offs | -9.2308% | 4,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3016% | 1,995 |
| Assets per employee ($millions) | 4.9197% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 5,034 |
| Loan loss allowance to noncurrent loans | 199.8168% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 2,952 |
| Noncurrent loans to loans | 0.3035% | 3,588 |
| Net loans and leases to total assets | 82.6163% | 616 |
| Net loans and leases to deposits | 92.8112% | 1,519 |
| Net loans and leases to core deposits | 105.5995% | 1,343 |
| Total domestic deposits to total assets | 89.0154% | 842 |
| Equity capital to assets | 10.3623% | 3,269 |
| Core capital (leverage) ratio | 9.5134% | 4,157 |
| Tier 1 risk-based capital ratio | 11.8158% | 4,593 |
| Total risk-based capital ratio | 12.4550% | 4,844 |
| Memoranda: | ||
| Average total assets | $210,397,000 | 2,785 |
| Average earning assets | $191,566,000 | 2,824 |
| Average equity | $22,045,000 | 2,914 |
| Average total loans | $171,094,750 | 2,444 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 1,130 |
| Cost of funding earning assets | 0.7187% | 1,532 |
| Net interest margin | 4.1296% | 1,469 |
| Noninterest income to average assets | 0.2544% | 4,489 |
| Noninterest expense to average assets | 3.0512% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6872% | 4,232 |
| Return on assets (ROA) | 0.6872% | 4,236 |
| Pretax return on assets | 0.9531% | 3,797 |
| Return on Equity (ROE) | 6.5339% | 4,051 |
| Retained earnings to average equity (ytd only) | 6.5339% | 2,294 |
| Net charge-offs to loans | -0.0654% | 5,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3634% | 1,939 |
| Assets per employee ($millions) | 4.7503% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6217% | 5,067 |
| Loan loss allowance to noncurrent loans | 467.3913% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 3,602 |
| Noncurrent loans to loans | 0.1330% | 4,308 |
| Net loans and leases to total assets | 80.3833% | 961 |
| Net loans and leases to deposits | 94.9814% | 1,252 |
| Net loans and leases to core deposits | 104.6927% | 1,338 |
| Total domestic deposits to total assets | 84.6306% | 2,826 |
| Equity capital to assets | 10.3105% | 3,327 |
| Core capital (leverage) ratio | 9.5760% | 4,020 |
| Tier 1 risk-based capital ratio | 11.9995% | 4,494 |
| Total risk-based capital ratio | 12.6529% | 4,743 |
| Memoranda: | ||
| Average total assets | $208,373,670 | 2,826 |
| Average earning assets | $189,219,000 | 2,859 |
| Average equity | $21,916,330 | 2,933 |
| Average total loans | $168,150,330 | 2,477 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8456% | 989 |
| Cost of funding earning assets | 0.6787% | 1,549 |
| Net interest margin | 4.1669% | 1,258 |
| Noninterest income to average assets | 0.3228% | 3,995 |
| Noninterest expense to average assets | 3.2322% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6301% | 4,337 |
| Return on assets (ROA) | 0.6301% | 4,347 |
| Pretax return on assets | 0.8635% | 3,971 |
| Return on Equity (ROE) | 5.9301% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.9301% | 2,739 |
| Net charge-offs to loans | -0.0627% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2194% | 2,010 |
| Assets per employee ($millions) | 4.6971% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6253% | 5,139 |
| Loan loss allowance to noncurrent loans | 443.2203% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 3,319 |
| Noncurrent loans to loans | 0.1411% | 4,334 |
| Net loans and leases to total assets | 80.4391% | 881 |
| Net loans and leases to deposits | 93.8347% | 1,238 |
| Net loans and leases to core deposits | 100.4065% | 1,656 |
| Total domestic deposits to total assets | 85.7242% | 2,666 |
| Equity capital to assets | 10.4755% | 3,104 |
| Core capital (leverage) ratio | 9.4534% | 4,119 |
| Tier 1 risk-based capital ratio | 11.8881% | 4,614 |
| Total risk-based capital ratio | 12.5373% | 4,874 |
| Memoranda: | ||
| Average total assets | $205,679,500 | 2,881 |
| Average earning assets | $186,229,500 | 2,928 |
| Average equity | $21,854,500 | 2,969 |
| Average total loans | $165,773,500 | 2,518 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 886 |
| Cost of funding earning assets | 0.5277% | 2,114 |
| Net interest margin | 4.3254% | 916 |
| Noninterest income to average assets | 0.5004% | 2,998 |
| Noninterest expense to average assets | 3.2035% | 1,602 |
| Loan and lease loss provision to assets | 0.0112% | 4,058 |
| Net operating income to assets | 0.2247% | 5,058 |
| Return on assets (ROA) | 0.2247% | 5,079 |
| Pretax return on assets | 1.1693% | 2,898 |
| Return on Equity (ROE) | 1.9623% | 5,062 |
| Retained earnings to average equity (ytd only) | 1.9623% | 4,147 |
| Net charge-offs to loans | -0.1084% | 5,388 |
| Credit loss provision to net charge-offs | -13.4146% | 4,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2506% | 2,845 |
| Assets per employee ($millions) | 4.5486% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6210% | 5,205 |
| Loan loss allowance to noncurrent loans | 85.6423% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 1,842 |
| Noncurrent loans to loans | 0.7251% | 2,396 |
| Net loans and leases to total assets | 79.7491% | 994 |
| Net loans and leases to deposits | 94.2156% | 1,248 |
| Net loans and leases to core deposits | 100.8370% | 1,649 |
| Total domestic deposits to total assets | 84.6453% | 2,975 |
| Equity capital to assets | 10.7769% | 2,866 |
| Core capital (leverage) ratio | 9.5124% | 4,034 |
| Tier 1 risk-based capital ratio | 12.1799% | 4,409 |
| Total risk-based capital ratio | 12.8250% | 4,699 |
| Memoranda: | ||
| Average total assets | $195,848,200 | 2,960 |
| Average earning assets | $175,843,000 | 3,003 |
| Average equity | $22,423,000 | 2,908 |
| Average total loans | $151,290,400 | 2,641 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 938 |
| Cost of funding earning assets | 0.4987% | 2,278 |
| Net interest margin | 4.2935% | 937 |
| Noninterest income to average assets | 0.4365% | 3,431 |
| Noninterest expense to average assets | 3.1618% | 1,651 |
| Loan and lease loss provision to assets | 0.0151% | 3,840 |
| Net operating income to assets | 0.6686% | 4,126 |
| Return on assets (ROA) | 0.6686% | 4,185 |
| Pretax return on assets | 1.1072% | 3,276 |
| Return on Equity (ROE) | 5.7503% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.7503% | 2,401 |
| Net charge-offs to loans | -0.1378% | 5,457 |
| Credit loss provision to net charge-offs | -14.3791% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8364% | 2,736 |
| Assets per employee ($millions) | 4.6096% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6267% | 5,279 |
| Loan loss allowance to noncurrent loans | 349.1349% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 3,394 |
| Noncurrent loans to loans | 0.1795% | 4,349 |
| Net loans and leases to total assets | 78.8820% | 1,137 |
| Net loans and leases to deposits | 90.3714% | 1,765 |
| Net loans and leases to core deposits | 96.7976% | 1,996 |
| Total domestic deposits to total assets | 87.2864% | 1,736 |
| Equity capital to assets | 11.1738% | 2,700 |
| Core capital (leverage) ratio | 9.4916% | 4,180 |
| Tier 1 risk-based capital ratio | 11.9966% | 4,624 |
| Total risk-based capital ratio | 12.6429% | 4,908 |
| Memoranda: | ||
| Average total assets | $193,638,500 | 3,006 |
| Average earning assets | $173,529,250 | 3,057 |
| Average equity | $22,514,000 | 2,922 |
| Average total loans | $148,049,000 | 2,689 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 894 |
| Cost of funding earning assets | 0.4877% | 2,272 |
| Net interest margin | 4.2931% | 878 |
| Noninterest income to average assets | 0.3799% | 3,831 |
| Noninterest expense to average assets | 3.2501% | 1,473 |
| Loan and lease loss provision to assets | 0.0231% | 3,530 |
| Net operating income to assets | 0.5803% | 4,387 |
| Return on assets (ROA) | 0.5803% | 4,443 |
| Pretax return on assets | 0.9497% | 3,764 |
| Return on Equity (ROE) | 4.9234% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.9234% | 2,761 |
| Net charge-offs to loans | -0.1211% | 5,471 |
| Credit loss provision to net charge-offs | -25.2874% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8936% | 2,355 |
| Assets per employee ($millions) | 4.6282% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 5,354 |
| Loan loss allowance to noncurrent loans | 306.1688% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 2,768 |
| Noncurrent loans to loans | 0.2002% | 4,316 |
| Net loans and leases to total assets | 76.8159% | 1,413 |
| Net loans and leases to deposits | 86.8704% | 2,120 |
| Net loans and leases to core deposits | 93.5460% | 2,196 |
| Total domestic deposits to total assets | 88.4258% | 1,247 |
| Equity capital to assets | 11.1939% | 2,601 |
| Core capital (leverage) ratio | 9.3711% | 4,265 |
| Tier 1 risk-based capital ratio | 11.7858% | 4,767 |
| Total risk-based capital ratio | 12.4060% | 5,058 |
| Memoranda: | ||
| Average total assets | $190,577,330 | 3,054 |
| Average earning assets | $170,598,670 | 3,100 |
| Average equity | $22,464,330 | 2,930 |
| Average total loans | $143,732,330 | 2,745 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 1,016 |
| Cost of funding earning assets | 0.4939% | 2,143 |
| Net interest margin | 4.1622% | 1,066 |
| Noninterest income to average assets | 0.2833% | 4,521 |
| Noninterest expense to average assets | 3.2153% | 1,564 |
| Loan and lease loss provision to assets | 0.0472% | 2,869 |
| Net operating income to assets | 0.4572% | 4,749 |
| Return on assets (ROA) | 0.4572% | 4,771 |
| Pretax return on assets | 0.7469% | 4,295 |
| Return on Equity (ROE) | 3.7769% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.7769% | 3,560 |
| Net charge-offs to loans | -0.0461% | 5,146 |
| Credit loss provision to net charge-offs | -137.5000% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8929% | 2,084 |
| Assets per employee ($millions) | 4.7173% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6044% | 5,470 |
| Loan loss allowance to noncurrent loans | 185.1380% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 2,277 |
| Noncurrent loans to loans | 0.3265% | 3,952 |
| Net loans and leases to total assets | 72.3807% | 2,019 |
| Net loans and leases to deposits | 82.1593% | 2,487 |
| Net loans and leases to core deposits | 88.2302% | 2,527 |
| Total domestic deposits to total assets | 88.0980% | 1,660 |
| Equity capital to assets | 11.4478% | 2,219 |
| Core capital (leverage) ratio | 9.6958% | 3,878 |
| Tier 1 risk-based capital ratio | 12.6233% | 4,313 |
| Total risk-based capital ratio | 13.2327% | 4,627 |
| Memoranda: | ||
| Average total assets | $186,360,500 | 3,127 |
| Average earning assets | $166,833,000 | 3,177 |
| Average equity | $22,558,000 | 2,940 |
| Average total loans | $138,691,000 | 2,838 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 1,322 |
| Cost of funding earning assets | 0.5290% | 1,875 |
| Net interest margin | 4.0524% | 1,486 |
| Noninterest income to average assets | -0.3790% | 5,905 |
| Noninterest expense to average assets | 3.5093% | 1,149 |
| Loan and lease loss provision to assets | -0.1793% | 5,767 |
| Net operating income to assets | -0.0356% | 5,661 |
| Return on assets (ROA) | -0.0321% | 5,674 |
| Pretax return on assets | -0.0836% | 5,686 |
| Return on Equity (ROE) | -0.2647% | 5,676 |
| Retained earnings to average equity (ytd only) | -0.2647% | 5,346 |
| Net charge-offs to loans | 0.0468% | 3,099 |
| Credit loss provision to net charge-offs | -549.1525% | 5,185 |
| Earnings coverage of net charge-offs (x) | -8.2203% | 4,232 |
| Efficiency ratio | 108.2807% | 139 |
| Assets per employee ($millions) | 4.5946% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6266% | 5,488 |
| Loan loss allowance to noncurrent loans | 96.6396% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.2664% | 1,407 |
| Noncurrent loans to loans | 0.6484% | 2,913 |
| Net loans and leases to total assets | 75.7588% | 1,547 |
| Net loans and leases to deposits | 87.3878% | 2,004 |
| Net loans and leases to core deposits | 94.7928% | 2,030 |
| Total domestic deposits to total assets | 86.6926% | 2,291 |
| Equity capital to assets | 12.8497% | 1,325 |
| Core capital (leverage) ratio | 10.4706% | 2,908 |
| Tier 1 risk-based capital ratio | 13.6323% | 3,688 |
| Total risk-based capital ratio | 14.2522% | 3,977 |
| Memoranda: | ||
| Average total assets | $180,721,000 | 3,156 |
| Average earning assets | $161,433,600 | 3,213 |
| Average equity | $21,907,800 | 2,990 |
| Average total loans | $125,976,800 | 2,982 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 1,400 |
| Cost of funding earning assets | 0.4438% | 2,609 |
| Net interest margin | 4.1082% | 1,368 |
| Noninterest income to average assets | -1.3620% | 5,977 |
| Noninterest expense to average assets | 3.2421% | 1,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.5520% | 5,864 |
| Return on assets (ROA) | -0.5512% | 5,867 |
| Pretax return on assets | -0.9725% | 5,899 |
| Return on Equity (ROE) | -4.2773% | 5,852 |
| Retained earnings to average equity (ytd only) | -4.2773% | 5,706 |
| Net charge-offs to loans | 0.1464% | 1,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -9.1879% | 3,919 |
| Efficiency ratio | 142.9322% | 43 |
| Assets per employee ($millions) | 5.1052% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 4,439 |
| Loan loss allowance to noncurrent loans | 1,211.9403% | 495 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 1,393 |
| Noncurrent loans to loans | 0.0822% | 5,025 |
| Net loans and leases to total assets | 79.0604% | 1,029 |
| Net loans and leases to deposits | 90.8296% | 1,655 |
| Net loans and leases to core deposits | 103.5720% | 1,375 |
| Total domestic deposits to total assets | 87.0425% | 1,872 |
| Equity capital to assets | 12.7616% | 1,613 |
| Core capital (leverage) ratio | 9.0741% | 4,751 |
| Tier 1 risk-based capital ratio | 10.9251% | 5,407 |
| Total risk-based capital ratio | 11.9382% | 5,444 |
| Memoranda: | ||
| Average total assets | $100,632,500 | 4,377 |
| Average earning assets | $88,925,250 | 4,451 |
| Average equity | $12,967,250 | 4,131 |
| Average total loans | $72,859,250 | 3,995 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 2,165 |
| Cost of funding earning assets | 0.4459% | 2,610 |
| Net interest margin | 3.8512% | 2,131 |
| Noninterest income to average assets | -2.2308% | 6,058 |
| Noninterest expense to average assets | 3.2034% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -1.1883% | 5,985 |
| Return on assets (ROA) | -1.1883% | 5,988 |
| Pretax return on assets | -2.0191% | 6,010 |
| Return on Equity (ROE) | -9.1918% | 5,974 |
| Retained earnings to average equity (ytd only) | -9.1918% | 5,865 |
| Net charge-offs to loans | 0.2687% | 889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -10.7553% | 3,650 |
| Efficiency ratio | 270.4890% | 12 |
| Assets per employee ($millions) | 4.6752% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 4,092 |
| Loan loss allowance to noncurrent loans | 301.1321% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 1.4341% | 1,356 |
| Noncurrent loans to loans | 0.3565% | 4,092 |
| Net loans and leases to total assets | 74.9091% | 1,670 |
| Net loans and leases to deposits | 86.3346% | 2,211 |
| Net loans and leases to core deposits | 97.9921% | 1,807 |
| Total domestic deposits to total assets | 86.7660% | 2,029 |
| Equity capital to assets | 13.0965% | 1,445 |
| Core capital (leverage) ratio | 9.0421% | 4,779 |
| Tier 1 risk-based capital ratio | 11.5046% | 5,149 |
| Total risk-based capital ratio | 12.5873% | 5,154 |
| Memoranda: | ||
| Average total assets | $100,142,330 | 4,423 |
| Average earning assets | $88,803,000 | 4,491 |
| Average equity | $12,946,330 | 4,154 |
| Average total loans | $69,967,330 | 4,098 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 2,585 |
| Cost of funding earning assets | 0.4539% | 2,541 |
| Net interest margin | 3.7156% | 2,608 |
| Noninterest income to average assets | -4.6794% | 6,122 |
| Noninterest expense to average assets | 3.1565% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -2.6779% | 6,091 |
| Return on assets (ROA) | -2.6779% | 6,090 |
| Pretax return on assets | -4.5330% | 6,105 |
| Return on Equity (ROE) | -20.8460% | 6,072 |
| Retained earnings to average equity (ytd only) | -20.8460% | 5,974 |
| Net charge-offs to loans | -0.0354% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -229.3103% | 6,119 |
| Assets per employee ($millions) | 4.8260% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,902 |
| Loan loss allowance to noncurrent loans | 309.6552% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 1.4258% | 1,454 |
| Noncurrent loans to loans | 0.4196% | 3,937 |
| Net loans and leases to total assets | 67.3146% | 2,759 |
| Net loans and leases to deposits | 77.0638% | 3,101 |
| Net loans and leases to core deposits | 88.4240% | 2,523 |
| Total domestic deposits to total assets | 87.3492% | 2,030 |
| Equity capital to assets | 12.5334% | 1,660 |
| Core capital (leverage) ratio | 8.7807% | 5,092 |
| Tier 1 risk-based capital ratio | 11.8717% | 4,994 |
| Total risk-based capital ratio | 13.1223% | 4,902 |
| Memoranda: | ||
| Average total assets | $101,124,000 | 4,446 |
| Average earning assets | $89,891,500 | 4,503 |
| Average equity | $12,990,500 | 4,167 |
| Average total loans | $67,779,500 | 4,166 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 894 |
| Cost of funding earning assets | 0.5079% | 2,092 |
| Net interest margin | 4.3129% | 943 |
| Noninterest income to average assets | 0.3355% | 4,500 |
| Noninterest expense to average assets | 3.2814% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5288% | 4,589 |
| Return on assets (ROA) | 0.5352% | 4,646 |
| Pretax return on assets | 0.8515% | 4,016 |
| Return on Equity (ROE) | 4.0696% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.0696% | 3,110 |
| Net charge-offs to loans | 0.0296% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,141 |
| Efficiency ratio | 79.5918% | 1,731 |
| Assets per employee ($millions) | 5.3107% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 2,701 |
| Loan loss allowance to noncurrent loans | 279.6238% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 2.7105% | 538 |
| Noncurrent loans to loans | 0.4801% | 3,757 |
| Net loans and leases to total assets | 64.9624% | 3,129 |
| Net loans and leases to deposits | 74.9106% | 3,388 |
| Net loans and leases to core deposits | 83.9661% | 2,968 |
| Total domestic deposits to total assets | 86.7199% | 2,264 |
| Equity capital to assets | 13.1602% | 1,274 |
| Core capital (leverage) ratio | 10.2396% | 3,208 |
| Tier 1 risk-based capital ratio | 13.6045% | 3,947 |
| Total risk-based capital ratio | 14.8538% | 3,879 |
| Memoranda: | ||
| Average total assets | $98,646,800 | 4,486 |
| Average earning assets | $86,624,000 | 4,572 |
| Average equity | $12,974,200 | 4,150 |
| Average total loans | $67,504,200 | 4,158 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 1,281 |
| Cost of funding earning assets | 0.5196% | 2,047 |
| Net interest margin | 4.1022% | 1,403 |
| Noninterest income to average assets | 0.3466% | 4,456 |
| Noninterest expense to average assets | 3.2366% | 1,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4399% | 5,010 |
| Return on assets (ROA) | 0.4486% | 5,061 |
| Pretax return on assets | 0.7191% | 4,616 |
| Return on Equity (ROE) | 3.4113% | 5,252 |
| Retained earnings to average equity (ytd only) | 3.4113% | 4,046 |
| Net charge-offs to loans | 0.1712% | 1,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.9653% | 3,125 |
| Efficiency ratio | 82.1034% | 1,382 |
| Assets per employee ($millions) | 5.2186% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 3,915 |
| Loan loss allowance to noncurrent loans | 80.4878% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 3.4704% | 374 |
| Noncurrent loans to loans | 1.4305% | 1,765 |
| Net loans and leases to total assets | 71.4310% | 2,150 |
| Net loans and leases to deposits | 82.5045% | 2,585 |
| Net loans and leases to core deposits | 92.0883% | 2,256 |
| Total domestic deposits to total assets | 86.5783% | 2,243 |
| Equity capital to assets | 13.2613% | 1,324 |
| Core capital (leverage) ratio | 9.8717% | 3,809 |
| Tier 1 risk-based capital ratio | 12.4331% | 4,805 |
| Total risk-based capital ratio | 13.5264% | 4,802 |
| Memoranda: | ||
| Average total assets | $98,082,750 | 4,549 |
| Average earning assets | $85,968,500 | 4,639 |
| Average equity | $12,898,000 | 4,202 |
| Average total loans | $67,770,000 | 4,185 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,223 |
| Cost of funding earning assets | 0.5263% | 2,015 |
| Net interest margin | 4.0979% | 1,356 |
| Noninterest income to average assets | 0.3663% | 4,321 |
| Noninterest expense to average assets | 3.2499% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4380% | 5,014 |
| Return on assets (ROA) | 0.4380% | 5,108 |
| Pretax return on assets | 0.7020% | 4,645 |
| Return on Equity (ROE) | 3.3400% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.3400% | 3,920 |
| Net charge-offs to loans | 0.0933% | 2,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.0645% | 2,324 |
| Efficiency ratio | 82.2372% | 1,457 |
| Assets per employee ($millions) | 4.6576% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 3,183 |
| Loan loss allowance to noncurrent loans | 423.5577% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 2.6828% | 672 |
| Noncurrent loans to loans | 0.3094% | 4,583 |
| Net loans and leases to total assets | 67.8271% | 2,671 |
| Net loans and leases to deposits | 78.3173% | 2,988 |
| Net loans and leases to core deposits | 87.5477% | 2,599 |
| Total domestic deposits to total assets | 86.6055% | 2,373 |
| Equity capital to assets | 13.1920% | 1,302 |
| Core capital (leverage) ratio | 9.5852% | 4,153 |
| Tier 1 risk-based capital ratio | 12.6692% | 4,699 |
| Total risk-based capital ratio | 13.8827% | 4,648 |
| Memoranda: | ||
| Average total assets | $97,726,000 | 4,600 |
| Average earning assets | $85,506,330 | 4,693 |
| Average equity | $12,814,330 | 4,239 |
| Average total loans | $66,476,330 | 4,256 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 1,551 |
| Cost of funding earning assets | 0.5205% | 2,107 |
| Net interest margin | 3.9482% | 1,719 |
| Noninterest income to average assets | 0.4341% | 3,740 |
| Noninterest expense to average assets | 3.2513% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3972% | 5,076 |
| Return on assets (ROA) | 0.3972% | 5,190 |
| Pretax return on assets | 0.6306% | 4,834 |
| Return on Equity (ROE) | 3.0384% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.0384% | 4,161 |
| Net charge-offs to loans | 0.2420% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.8500% | 2,558 |
| Efficiency ratio | 83.7553% | 1,409 |
| Assets per employee ($millions) | 5.1941% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 3,352 |
| Loan loss allowance to noncurrent loans | 293.6027% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 2.7491% | 730 |
| Noncurrent loans to loans | 0.4457% | 4,247 |
| Net loans and leases to total assets | 66.6464% | 2,663 |
| Net loans and leases to deposits | 77.3388% | 2,902 |
| Net loans and leases to core deposits | 86.0924% | 2,539 |
| Total domestic deposits to total assets | 86.1746% | 2,844 |
| Equity capital to assets | 13.0725% | 1,359 |
| Core capital (leverage) ratio | 9.8854% | 3,773 |
| Tier 1 risk-based capital ratio | 12.6207% | 4,830 |
| Total risk-based capital ratio | 13.8422% | 4,761 |
| Memoranda: | ||
| Average total assets | $97,684,500 | 4,631 |
| Average earning assets | $85,305,000 | 4,736 |
| Average equity | $12,770,000 | 4,279 |
| Average total loans | $66,103,500 | 4,298 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7302% | 1,239 |
| Cost of funding earning assets | 0.5859% | 1,895 |
| Net interest margin | 4.1444% | 1,451 |
| Noninterest income to average assets | 0.2784% | 5,123 |
| Noninterest expense to average assets | 3.4544% | 1,588 |
| Loan and lease loss provision to assets | -0.1236% | 6,187 |
| Net operating income to assets | 0.3335% | 5,436 |
| Return on assets (ROA) | 0.3335% | 5,502 |
| Pretax return on assets | 0.5267% | 5,178 |
| Return on Equity (ROE) | 2.6188% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.6188% | 4,379 |
| Net charge-offs to loans | -0.3957% | 6,368 |
| Credit loss provision to net charge-offs | 45.9459% | 3,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5502% | 874 |
| Assets per employee ($millions) | 5.0885% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 2,981 |
| Loan loss allowance to noncurrent loans | 232.9082% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 3.2302% | 596 |
| Noncurrent loans to loans | 0.5979% | 3,877 |
| Net loans and leases to total assets | 66.8694% | 2,750 |
| Net loans and leases to deposits | 77.6204% | 3,015 |
| Net loans and leases to core deposits | 89.2623% | 2,355 |
| Total domestic deposits to total assets | 86.1493% | 2,753 |
| Equity capital to assets | 13.0729% | 1,333 |
| Core capital (leverage) ratio | 8.9268% | 5,089 |
| Tier 1 risk-based capital ratio | 12.3024% | 5,148 |
| Total risk-based capital ratio | 13.5532% | 5,066 |
| Memoranda: | ||
| Average total assets | $96,254,400 | 4,689 |
| Average earning assets | $83,125,200 | 4,819 |
| Average equity | $12,257,400 | 4,315 |
| Average total loans | $65,457,000 | 4,318 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 1,182 |
| Cost of funding earning assets | 0.5918% | 1,905 |
| Net interest margin | 4.1637% | 1,389 |
| Noninterest income to average assets | 0.2732% | 5,256 |
| Noninterest expense to average assets | 3.4640% | 1,543 |
| Loan and lease loss provision to assets | 0.0430% | 3,538 |
| Net operating income to assets | 0.2316% | 5,777 |
| Return on assets (ROA) | 0.2316% | 5,835 |
| Pretax return on assets | 0.3564% | 5,664 |
| Return on Equity (ROE) | 1.8308% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.8308% | 5,135 |
| Net charge-offs to loans | -0.5094% | 6,462 |
| Credit loss provision to net charge-offs | -12.4000% | 5,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6626% | 867 |
| Assets per employee ($millions) | 5.3548% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 2,504 |
| Loan loss allowance to noncurrent loans | 231.9383% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 3.1305% | 736 |
| Noncurrent loans to loans | 0.6680% | 3,937 |
| Net loans and leases to total assets | 65.7683% | 2,905 |
| Net loans and leases to deposits | 75.5408% | 3,236 |
| Net loans and leases to core deposits | 85.6138% | 2,705 |
| Total domestic deposits to total assets | 87.0634% | 2,285 |
| Equity capital to assets | 12.1779% | 1,921 |
| Core capital (leverage) ratio | 8.5280% | 5,631 |
| Tier 1 risk-based capital ratio | 11.6203% | 5,725 |
| Total risk-based capital ratio | 12.8726% | 5,640 |
| Memoranda: | ||
| Average total assets | $96,147,750 | 4,739 |
| Average earning assets | $82,904,500 | 4,875 |
| Average equity | $12,162,000 | 4,355 |
| Average total loans | $65,430,500 | 4,356 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 1,221 |
| Cost of funding earning assets | 0.6005% | 1,893 |
| Net interest margin | 4.1317% | 1,421 |
| Noninterest income to average assets | 0.2715% | 5,261 |
| Noninterest expense to average assets | 3.5722% | 1,346 |
| Loan and lease loss provision to assets | 0.0658% | 2,952 |
| Net operating income to assets | 0.1273% | 5,993 |
| Return on assets (ROA) | 0.1273% | 6,034 |
| Pretax return on assets | 0.1803% | 5,973 |
| Return on Equity (ROE) | 0.9929% | 6,057 |
| Retained earnings to average equity (ytd only) | 0.9929% | 5,360 |
| Net charge-offs to loans | -0.7432% | 6,552 |
| Credit loss provision to net charge-offs | -12.9167% | 5,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5556% | 667 |
| Assets per employee ($millions) | 5.4757% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 2,635 |
| Loan loss allowance to noncurrent loans | 207.7689% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 3.3603% | 713 |
| Noncurrent loans to loans | 0.7500% | 3,827 |
| Net loans and leases to total assets | 66.8517% | 2,608 |
| Net loans and leases to deposits | 77.0214% | 2,929 |
| Net loans and leases to core deposits | 87.1010% | 2,410 |
| Total domestic deposits to total assets | 86.7963% | 2,580 |
| Equity capital to assets | 12.4499% | 1,676 |
| Core capital (leverage) ratio | 8.8686% | 5,209 |
| Tier 1 risk-based capital ratio | 11.3800% | 5,864 |
| Total risk-based capital ratio | 12.6321% | 5,812 |
| Memoranda: | ||
| Average total assets | $94,283,000 | 4,818 |
| Average earning assets | $80,935,670 | 4,961 |
| Average equity | $12,086,000 | 4,377 |
| Average total loans | $64,585,000 | 4,406 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8470% | 953 |
| Cost of funding earning assets | 0.6040% | 1,940 |
| Net interest margin | 4.2430% | 1,113 |
| Noninterest income to average assets | 0.2778% | 5,149 |
| Noninterest expense to average assets | 3.8071% | 971 |
| Loan and lease loss provision to assets | 0.1346% | 1,800 |
| Net operating income to assets | 0.0000% | 6,210 |
| Return on assets (ROA) | 0.0000% | 6,226 |
| Pretax return on assets | -0.0347% | 6,239 |
| Return on Equity (ROE) | 0.0000% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | -0.0946% | 6,097 |
| Credit loss provision to net charge-offs | -206.6667% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4444% | 569 |
| Assets per employee ($millions) | 5.2028% | 2,008 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 4,279 |
| Loan loss allowance to noncurrent loans | 144.5230% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 3.5921% | 718 |
| Noncurrent loans to loans | 0.8792% | 3,687 |
| Net loans and leases to total assets | 67.8697% | 2,241 |
| Net loans and leases to deposits | 78.7101% | 2,459 |
| Net loans and leases to core deposits | 89.0795% | 1,996 |
| Total domestic deposits to total assets | 86.2274% | 3,243 |
| Equity capital to assets | 12.8927% | 1,357 |
| Core capital (leverage) ratio | 8.9849% | 5,032 |
| Tier 1 risk-based capital ratio | 11.6557% | 5,835 |
| Total risk-based capital ratio | 12.8687% | 5,798 |
| Memoranda: | ||
| Average total assets | $92,143,000 | 4,911 |
| Average earning assets | $78,811,500 | 5,055 |
| Average equity | $11,993,500 | 4,423 |
| Average total loans | $63,410,500 | 4,479 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,735 |
| Cost of funding earning assets | 0.6838% | 1,929 |
| Net interest margin | 3.6756% | 3,149 |
| Noninterest income to average assets | 0.9525% | 1,518 |
| Noninterest expense to average assets | 4.0108% | 864 |
| Loan and lease loss provision to assets | 0.9673% | 189 |
| Net operating income to assets | -0.5007% | 6,498 |
| Return on assets (ROA) | -0.4731% | 6,492 |
| Pretax return on assets | -0.8311% | 6,562 |
| Return on Equity (ROE) | -4.4121% | 6,469 |
| Retained earnings to average equity (ytd only) | -4.4121% | 6,337 |
| Net charge-offs to loans | 1.7606% | 238 |
| Credit loss provision to net charge-offs | 84.7581% | 2,904 |
| Earnings coverage of net charge-offs (x) | 0.0815% | 5,063 |
| Efficiency ratio | 97.7349% | 553 |
| Assets per employee ($millions) | 4.7703% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 4,466 |
| Loan loss allowance to noncurrent loans | 98.8476% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 3.9675% | 675 |
| Noncurrent loans to loans | 1.2507% | 3,038 |
| Net loans and leases to total assets | 68.0425% | 2,352 |
| Net loans and leases to deposits | 79.1598% | 2,568 |
| Net loans and leases to core deposits | 89.9860% | 2,025 |
| Total domestic deposits to total assets | 85.9559% | 3,280 |
| Equity capital to assets | 13.1438% | 1,211 |
| Core capital (leverage) ratio | 8.6623% | 5,462 |
| Tier 1 risk-based capital ratio | 11.8496% | 5,707 |
| Total risk-based capital ratio | 13.0283% | 5,685 |
| Memoranda: | ||
| Average total assets | $108,656,000 | 4,531 |
| Average earning assets | $93,154,400 | 4,697 |
| Average equity | $11,649,800 | 4,519 |
| Average total loans | $70,429,800 | 4,253 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 2,885 |
| Cost of funding earning assets | 0.6802% | 2,097 |
| Net interest margin | 3.6457% | 3,252 |
| Noninterest income to average assets | 1.0804% | 1,255 |
| Noninterest expense to average assets | 4.1014% | 765 |
| Loan and lease loss provision to assets | 0.9355% | 184 |
| Net operating income to assets | -0.4737% | 6,586 |
| Return on assets (ROA) | -0.4383% | 6,588 |
| Pretax return on assets | -0.7753% | 6,653 |
| Return on Equity (ROE) | -4.2817% | 6,582 |
| Retained earnings to average equity (ytd only) | -4.2817% | 6,460 |
| Net charge-offs to loans | 1.4304% | 336 |
| Credit loss provision to net charge-offs | 102.1879% | 2,291 |
| Earnings coverage of net charge-offs (x) | 0.1145% | 4,824 |
| Efficiency ratio | 97.5070% | 547 |
| Assets per employee ($millions) | 4.8358% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 3,339 |
| Loan loss allowance to noncurrent loans | 59.0223% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 5.3746% | 496 |
| Noncurrent loans to loans | 2.5920% | 1,643 |
| Net loans and leases to total assets | 65.0871% | 2,786 |
| Net loans and leases to deposits | 75.2762% | 3,052 |
| Net loans and leases to core deposits | 86.3569% | 2,369 |
| Total domestic deposits to total assets | 86.4644% | 2,982 |
| Equity capital to assets | 12.6133% | 1,519 |
| Core capital (leverage) ratio | 8.8423% | 5,340 |
| Tier 1 risk-based capital ratio | 11.8655% | 5,865 |
| Total risk-based capital ratio | 13.1183% | 5,808 |
| Memoranda: | ||
| Average total assets | $113,161,000 | 4,477 |
| Average earning assets | $97,026,000 | 4,641 |
| Average equity | $11,584,000 | 4,580 |
| Average total loans | $72,426,500 | 4,211 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 2,784 |
| Cost of funding earning assets | 0.6828% | 2,202 |
| Net interest margin | 3.6587% | 3,140 |
| Noninterest income to average assets | 1.3857% | 816 |
| Noninterest expense to average assets | 4.4537% | 550 |
| Loan and lease loss provision to assets | 1.3385% | 109 |
| Net operating income to assets | -0.7419% | 6,706 |
| Return on assets (ROA) | -0.6911% | 6,703 |
| Pretax return on assets | -1.2019% | 6,769 |
| Return on Equity (ROE) | -7.2063% | 6,693 |
| Retained earnings to average equity (ytd only) | -7.2063% | 6,580 |
| Net charge-offs to loans | 1.6131% | 312 |
| Credit loss provision to net charge-offs | 130.8072% | 1,733 |
| Earnings coverage of net charge-offs (x) | 0.0560% | 4,528 |
| Efficiency ratio | 98.7294% | 536 |
| Assets per employee ($millions) | 4.9613% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 2,347 |
| Loan loss allowance to noncurrent loans | 58.7513% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 5.5864% | 514 |
| Noncurrent loans to loans | 3.1075% | 1,420 |
| Net loans and leases to total assets | 65.4888% | 2,680 |
| Net loans and leases to deposits | 74.9970% | 3,015 |
| Net loans and leases to core deposits | 87.1923% | 2,211 |
| Total domestic deposits to total assets | 87.3219% | 2,641 |
| Equity capital to assets | 11.7223% | 2,109 |
| Core capital (leverage) ratio | 7.5577% | 6,432 |
| Tier 1 risk-based capital ratio | 10.2984% | 6,569 |
| Total risk-based capital ratio | 11.5544% | 6,539 |
| Memoranda: | ||
| Average total assets | $118,643,000 | 4,377 |
| Average earning assets | $101,347,000 | 4,538 |
| Average equity | $11,379,000 | 4,645 |
| Average total loans | $75,259,670 | 4,126 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 1,883 |
| Cost of funding earning assets | 0.8010% | 1,519 |
| Net interest margin | 3.7820% | 2,514 |
| Noninterest income to average assets | 0.5100% | 3,708 |
| Noninterest expense to average assets | 4.0585% | 828 |
| Loan and lease loss provision to assets | 0.3618% | 895 |
| Net operating income to assets | -0.3705% | 6,616 |
| Return on assets (ROA) | -0.3705% | 6,649 |
| Pretax return on assets | -0.6583% | 6,718 |
| Return on Equity (ROE) | -4.2207% | 6,667 |
| Retained earnings to average equity (ytd only) | -4.2207% | 6,302 |
| Net charge-offs to loans | 1.7354% | 284 |
| Credit loss provision to net charge-offs | 30.6273% | 2,879 |
| Earnings coverage of net charge-offs (x) | -0.2509% | 3,882 |
| Efficiency ratio | 107.8795% | 358 |
| Assets per employee ($millions) | 4.9294% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8459% | 2,460 |
| Loan loss allowance to noncurrent loans | 82.1023% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 4.7684% | 780 |
| Noncurrent loans to loans | 2.2483% | 2,333 |
| Net loans and leases to total assets | 65.6296% | 2,438 |
| Net loans and leases to deposits | 72.8277% | 3,081 |
| Net loans and leases to core deposits | 81.6406% | 2,620 |
| Total domestic deposits to total assets | 90.1163% | 976 |
| Equity capital to assets | 8.6687% | 5,845 |
| Core capital (leverage) ratio | 5.0065% | 6,877 |
| Tier 1 risk-based capital ratio | 6.4691% | 6,914 |
| Total risk-based capital ratio | 7.7237% | 6,919 |
| Memoranda: | ||
| Average total assets | $91,758,000 | 5,058 |
| Average earning assets | $78,899,500 | 5,187 |
| Average equity | $8,055,500 | 5,470 |
| Average total loans | $62,465,500 | 4,620 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 1,463 |
| Cost of funding earning assets | 1.0637% | 1,056 |
| Net interest margin | 3.9748% | 2,494 |
| Noninterest income to average assets | 0.8513% | 2,038 |
| Noninterest expense to average assets | 4.2332% | 734 |
| Loan and lease loss provision to assets | 0.4226% | 1,504 |
| Net operating income to assets | -0.1023% | 6,289 |
| Return on assets (ROA) | 0.0264% | 6,270 |
| Pretax return on assets | -0.1717% | 6,405 |
| Return on Equity (ROE) | 0.3247% | 6,256 |
| Retained earnings to average equity (ytd only) | 0.3247% | 5,693 |
| Net charge-offs to loans | 1.0921% | 968 |
| Credit loss provision to net charge-offs | 55.3191% | 4,569 |
| Earnings coverage of net charge-offs (x) | 0.0652% | 5,457 |
| Efficiency ratio | 98.8378% | 600 |
| Assets per employee ($millions) | 4.7293% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1571% | 1,635 |
| Loan loss allowance to noncurrent loans | 66.9990% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 5.6534% | 651 |
| Noncurrent loans to loans | 3.2195% | 1,605 |
| Net loans and leases to total assets | 67.8445% | 2,208 |
| Net loans and leases to deposits | 77.4133% | 2,602 |
| Net loans and leases to core deposits | 90.5369% | 1,776 |
| Total domestic deposits to total assets | 87.6392% | 2,457 |
| Equity capital to assets | 8.8941% | 5,641 |
| Core capital (leverage) ratio | 4.7141% | 6,951 |
| Tier 1 risk-based capital ratio | 6.0758% | 6,986 |
| Total risk-based capital ratio | 7.3339% | 6,991 |
| Memoranda: | ||
| Average total assets | $98,435,600 | 4,876 |
| Average earning assets | $84,986,200 | 4,988 |
| Average equity | $8,007,800 | 5,503 |
| Average total loans | $68,857,400 | 4,395 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1175% | 1,387 |
| Cost of funding earning assets | 1.1069% | 1,036 |
| Net interest margin | 4.0106% | 2,459 |
| Noninterest income to average assets | 0.4732% | 4,115 |
| Noninterest expense to average assets | 4.1372% | 790 |
| Loan and lease loss provision to assets | 0.1856% | 3,268 |
| Net operating income to assets | -0.2529% | 6,534 |
| Return on assets (ROA) | -0.1339% | 6,523 |
| Pretax return on assets | -0.2015% | 6,543 |
| Return on Equity (ROE) | -1.6808% | 6,547 |
| Retained earnings to average equity (ytd only) | -1.6808% | 6,358 |
| Net charge-offs to loans | 0.9797% | 1,089 |
| Credit loss provision to net charge-offs | 27.0270% | 4,847 |
| Earnings coverage of net charge-offs (x) | -0.2857% | 5,440 |
| Efficiency ratio | 104.9781% | 405 |
| Assets per employee ($millions) | 4.9163% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0124% | 2,134 |
| Loan loss allowance to noncurrent loans | 82.4051% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 4.9824% | 899 |
| Noncurrent loans to loans | 2.4421% | 2,355 |
| Net loans and leases to total assets | 67.8703% | 2,319 |
| Net loans and leases to deposits | 78.5394% | 2,593 |
| Net loans and leases to core deposits | 97.0858% | 1,329 |
| Total domestic deposits to total assets | 86.4157% | 3,032 |
| Equity capital to assets | 8.5484% | 6,223 |
| Core capital (leverage) ratio | 4.4349% | 7,060 |
| Tier 1 risk-based capital ratio | 5.7331% | 7,092 |
| Total risk-based capital ratio | 6.9912% | 7,094 |
| Memoranda: | ||
| Average total assets | $100,580,250 | 4,864 |
| Average earning assets | $86,967,750 | 4,989 |
| Average equity | $8,011,750 | 5,555 |
| Average total loans | $70,495,000 | 4,384 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0102% | 1,761 |
| Cost of funding earning assets | 1.1793% | 897 |
| Net interest margin | 3.8309% | 3,216 |
| Noninterest income to average assets | 0.4351% | 4,398 |
| Noninterest expense to average assets | 4.1293% | 804 |
| Loan and lease loss provision to assets | 0.2719% | 2,409 |
| Net operating income to assets | -0.4039% | 6,684 |
| Return on assets (ROA) | -0.2622% | 6,653 |
| Pretax return on assets | -0.4195% | 6,708 |
| Return on Equity (ROE) | -3.3663% | 6,695 |
| Retained earnings to average equity (ytd only) | -3.3663% | 6,501 |
| Net charge-offs to loans | 1.1322% | 953 |
| Credit loss provision to net charge-offs | 34.1463% | 4,372 |
| Earnings coverage of net charge-offs (x) | -0.4634% | 5,224 |
| Efficiency ratio | 109.8140% | 334 |
| Assets per employee ($millions) | 4.9729% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0350% | 2,140 |
| Loan loss allowance to noncurrent loans | 75.3739% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 5.2559% | 880 |
| Noncurrent loans to loans | 2.6999% | 2,227 |
| Net loans and leases to total assets | 71.8908% | 1,577 |
| Net loans and leases to deposits | 82.8952% | 1,994 |
| Net loans and leases to core deposits | 102.5592% | 946 |
| Total domestic deposits to total assets | 86.7249% | 2,946 |
| Equity capital to assets | 8.3812% | 6,317 |
| Core capital (leverage) ratio | 4.1238% | 7,125 |
| Tier 1 risk-based capital ratio | 5.3662% | 7,152 |
| Total risk-based capital ratio | 6.6243% | 7,154 |
| Memoranda: | ||
| Average total assets | $102,970,670 | 4,828 |
| Average earning assets | $89,377,670 | 4,955 |
| Average equity | $8,020,670 | 5,570 |
| Average total loans | $72,427,000 | 4,332 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 2,629 |
| Cost of funding earning assets | 1.1941% | 1,018 |
| Net interest margin | 3.6078% | 4,233 |
| Noninterest income to average assets | 0.3992% | 4,680 |
| Noninterest expense to average assets | 3.8988% | 1,068 |
| Loan and lease loss provision to assets | 0.5223% | 1,152 |
| Net operating income to assets | -0.5708% | 6,866 |
| Return on assets (ROA) | -0.5708% | 6,889 |
| Pretax return on assets | -0.8656% | 6,947 |
| Return on Equity (ROE) | -7.5822% | 6,938 |
| Retained earnings to average equity (ytd only) | -7.5822% | 6,742 |
| Net charge-offs to loans | 0.0919% | 3,601 |
| Credit loss provision to net charge-offs | 823.5294% | 424 |
| Earnings coverage of net charge-offs (x) | -5.4118% | 4,667 |
| Efficiency ratio | 109.6537% | 342 |
| Assets per employee ($millions) | 5.5535% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4922% | 1,369 |
| Loan loss allowance to noncurrent loans | 35.0983% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 7.5504% | 532 |
| Noncurrent loans to loans | 7.1005% | 618 |
| Net loans and leases to total assets | 66.8556% | 2,322 |
| Net loans and leases to deposits | 77.7165% | 2,570 |
| Net loans and leases to core deposits | 94.9001% | 1,381 |
| Total domestic deposits to total assets | 86.0250% | 3,512 |
| Equity capital to assets | 7.6083% | 6,735 |
| Core capital (leverage) ratio | 3.8806% | 7,188 |
| Tier 1 risk-based capital ratio | 5.1803% | 7,209 |
| Total risk-based capital ratio | 6.4442% | 7,211 |
| Memoranda: | ||
| Average total assets | $107,213,500 | 4,768 |
| Average earning assets | $93,797,000 | 4,855 |
| Average equity | $8,071,500 | 5,572 |
| Average total loans | $73,972,000 | 4,317 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9275% | 3,220 |
| Cost of funding earning assets | 1.5672% | 540 |
| Net interest margin | 3.3603% | 5,610 |
| Noninterest income to average assets | 0.4186% | 4,463 |
| Noninterest expense to average assets | 3.6319% | 1,684 |
| Loan and lease loss provision to assets | 1.6348% | 429 |
| Net operating income to assets | -1.0548% | 6,765 |
| Return on assets (ROA) | -1.0553% | 6,787 |
| Pretax return on assets | -1.8147% | 6,984 |
| Return on Equity (ROE) | -14.2051% | 6,871 |
| Retained earnings to average equity (ytd only) | -14.2051% | 6,846 |
| Net charge-offs to loans | 4.2935% | 125 |
| Credit loss provision to net charge-offs | 53.1250% | 5,345 |
| Earnings coverage of net charge-offs (x) | -0.0582% | 5,868 |
| Efficiency ratio | 105.1861% | 533 |
| Assets per employee ($millions) | 5.7321% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2223% | 1,763 |
| Loan loss allowance to noncurrent loans | 54.1935% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 5.4449% | 945 |
| Noncurrent loans to loans | 4.1007% | 1,513 |
| Net loans and leases to total assets | 67.8698% | 2,426 |
| Net loans and leases to deposits | 79.3816% | 2,626 |
| Net loans and leases to core deposits | 97.9020% | 1,335 |
| Total domestic deposits to total assets | 85.4981% | 3,595 |
| Equity capital to assets | 7.4511% | 6,830 |
| Core capital (leverage) ratio | 3.8411% | 7,217 |
| Tier 1 risk-based capital ratio | 5.2836% | 7,233 |
| Total risk-based capital ratio | 6.5467% | 7,235 |
| Memoranda: | ||
| Average total assets | $120,626,200 | 4,386 |
| Average earning assets | $108,920,000 | 4,422 |
| Average equity | $8,961,600 | 5,289 |
| Average total loans | $86,456,200 | 3,950 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 3,582 |
| Cost of funding earning assets | 1.5967% | 587 |
| Net interest margin | 3.2979% | 5,864 |
| Noninterest income to average assets | 0.3712% | 4,899 |
| Noninterest expense to average assets | 3.2395% | 2,697 |
| Loan and lease loss provision to assets | 1.2604% | 601 |
| Net operating income to assets | -0.5762% | 6,683 |
| Return on assets (ROA) | -0.5762% | 6,725 |
| Pretax return on assets | -1.1309% | 6,916 |
| Return on Equity (ROE) | -7.7615% | 6,802 |
| Retained earnings to average equity (ytd only) | -7.7615% | 6,752 |
| Net charge-offs to loans | 3.4225% | 240 |
| Credit loss provision to net charge-offs | 51.0266% | 5,017 |
| Earnings coverage of net charge-offs (x) | 0.0524% | 5,558 |
| Efficiency ratio | 96.1563% | 810 |
| Assets per employee ($millions) | 6.0527% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8630% | 965 |
| Loan loss allowance to noncurrent loans | 39.1786% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 5.5224% | 1,009 |
| Noncurrent loans to loans | 7.3076% | 660 |
| Net loans and leases to total assets | 64.4354% | 3,223 |
| Net loans and leases to deposits | 74.2654% | 3,619 |
| Net loans and leases to core deposits | 89.2552% | 2,331 |
| Total domestic deposits to total assets | 86.7636% | 2,788 |
| Equity capital to assets | 7.3067% | 6,981 |
| Core capital (leverage) ratio | 4.5109% | 7,275 |
| Tier 1 risk-based capital ratio | 6.4606% | 7,275 |
| Total risk-based capital ratio | 7.7272% | 7,275 |
| Memoranda: | ||
| Average total assets | $123,555,250 | 4,327 |
| Average earning assets | $112,309,500 | 4,351 |
| Average equity | $9,173,250 | 5,265 |
| Average total loans | $89,171,000 | 3,924 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 3,048 |
| Cost of funding earning assets | 1.6402% | 588 |
| Net interest margin | 3.3830% | 5,599 |
| Noninterest income to average assets | 0.5097% | 3,780 |
| Noninterest expense to average assets | 3.1032% | 3,241 |
| Loan and lease loss provision to assets | 0.5322% | 1,836 |
| Net operating income to assets | 0.0675% | 6,083 |
| Return on assets (ROA) | 0.0675% | 6,165 |
| Pretax return on assets | -0.0482% | 6,318 |
| Return on Equity (ROE) | 0.9049% | 6,108 |
| Retained earnings to average equity (ytd only) | 0.9049% | 5,506 |
| Net charge-offs to loans | 3.2498% | 296 |
| Credit loss provision to net charge-offs | 22.1109% | 5,105 |
| Earnings coverage of net charge-offs (x) | 0.2011% | 5,160 |
| Efficiency ratio | 86.5083% | 1,546 |
| Assets per employee ($millions) | 5.9429% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5301% | 1,402 |
| Loan loss allowance to noncurrent loans | 37.7491% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 5.5224% | 1,068 |
| Noncurrent loans to loans | 6.7025% | 803 |
| Net loans and leases to total assets | 69.5769% | 2,304 |
| Net loans and leases to deposits | 80.2492% | 2,747 |
| Net loans and leases to core deposits | 101.3268% | 1,225 |
| Total domestic deposits to total assets | 86.7011% | 2,925 |
| Equity capital to assets | 7.5160% | 6,940 |
| Core capital (leverage) ratio | 5.1928% | 7,285 |
| Tier 1 risk-based capital ratio | 6.9074% | 7,314 |
| Total risk-based capital ratio | 8.1728% | 7,320 |
| Memoranda: | ||
| Average total assets | $124,389,330 | 4,336 |
| Average earning assets | $113,154,000 | 4,356 |
| Average equity | $9,282,670 | 5,243 |
| Average total loans | $92,128,000 | 3,885 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0183% | 3,021 |
| Cost of funding earning assets | 1.6881% | 583 |
| Net interest margin | 3.3302% | 5,676 |
| Noninterest income to average assets | 0.3704% | 4,947 |
| Noninterest expense to average assets | 2.9891% | 3,693 |
| Loan and lease loss provision to assets | 0.9341% | 848 |
| Net operating income to assets | -0.2899% | 6,651 |
| Return on assets (ROA) | -0.2899% | 6,667 |
| Pretax return on assets | -0.5218% | 6,763 |
| Return on Equity (ROE) | -3.8986% | 6,732 |
| Retained earnings to average equity (ytd only) | -3.8986% | 6,402 |
| Net charge-offs to loans | 0.6450% | 1,916 |
| Credit loss provision to net charge-offs | 192.0530% | 1,541 |
| Earnings coverage of net charge-offs (x) | 0.8477% | 4,003 |
| Efficiency ratio | 87.8788% | 1,529 |
| Assets per employee ($millions) | 5.8157% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8378% | 475 |
| Loan loss allowance to noncurrent loans | 59.7749% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 5.6293% | 1,057 |
| Noncurrent loans to loans | 6.4204% | 946 |
| Net loans and leases to total assets | 73.0187% | 1,511 |
| Net loans and leases to deposits | 84.4751% | 1,955 |
| Net loans and leases to core deposits | 108.2850% | 830 |
| Total domestic deposits to total assets | 86.4381% | 3,269 |
| Equity capital to assets | 7.5199% | 6,858 |
| Core capital (leverage) ratio | 5.1397% | 7,348 |
| Tier 1 risk-based capital ratio | 6.6674% | 7,389 |
| Total risk-based capital ratio | 7.9489% | 7,395 |
| Memoranda: | ||
| Average total assets | $124,184,000 | 4,370 |
| Average earning assets | $113,027,000 | 4,382 |
| Average equity | $9,234,000 | 5,254 |
| Average total loans | $93,649,000 | 3,889 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3583% | 2,865 |
| Cost of funding earning assets | 1.9587% | 700 |
| Net interest margin | 3.3996% | 5,634 |
| Noninterest income to average assets | 0.2595% | 5,943 |
| Noninterest expense to average assets | 4.6003% | 593 |
| Loan and lease loss provision to assets | 2.7410% | 379 |
| Net operating income to assets | -1.5628% | 6,925 |
| Return on assets (ROA) | -1.5324% | 6,936 |
| Pretax return on assets | -3.9972% | 7,437 |
| Return on Equity (ROE) | -17.4732% | 6,988 |
| Retained earnings to average equity (ytd only) | -17.4732% | 6,955 |
| Net charge-offs to loans | 2.6494% | 689 |
| Credit loss provision to net charge-offs | 133.2048% | 2,940 |
| Earnings coverage of net charge-offs (x) | -0.6336% | 6,511 |
| Efficiency ratio | 139.5522% | 261 |
| Assets per employee ($millions) | 5.4887% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6167% | 542 |
| Loan loss allowance to noncurrent loans | 54.7550% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 5.5585% | 1,108 |
| Noncurrent loans to loans | 6.6052% | 891 |
| Net loans and leases to total assets | 72.1980% | 2,056 |
| Net loans and leases to deposits | 84.7494% | 2,332 |
| Net loans and leases to core deposits | 115.3142% | 664 |
| Total domestic deposits to total assets | 85.1900% | 3,759 |
| Equity capital to assets | 7.3543% | 6,971 |
| Core capital (leverage) ratio | 5.1525% | 7,403 |
| Tier 1 risk-based capital ratio | 6.8585% | 7,437 |
| Total risk-based capital ratio | 8.1374% | 7,439 |
| Memoranda: | ||
| Average total assets | $126,013,800 | 4,352 |
| Average earning assets | $112,573,600 | 4,409 |
| Average equity | $11,051,200 | 4,850 |
| Average total loans | $97,871,400 | 3,856 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4289% | 2,748 |
| Cost of funding earning assets | 1.9740% | 814 |
| Net interest margin | 3.4548% | 5,471 |
| Noninterest income to average assets | 0.1799% | 6,592 |
| Noninterest expense to average assets | 3.6382% | 1,699 |
| Loan and lease loss provision to assets | 1.8556% | 671 |
| Net operating income to assets | -0.2193% | 6,344 |
| Return on assets (ROA) | -0.1821% | 6,371 |
| Pretax return on assets | -2.1859% | 7,244 |
| Return on Equity (ROE) | -1.9954% | 6,400 |
| Retained earnings to average equity (ytd only) | -1.9954% | 6,200 |
| Net charge-offs to loans | 2.8220% | 574 |
| Credit loss provision to net charge-offs | 83.9157% | 5,005 |
| Earnings coverage of net charge-offs (x) | -0.1757% | 6,163 |
| Efficiency ratio | 111.9544% | 491 |
| Assets per employee ($millions) | 5.1294% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3163% | 1,604 |
| Loan loss allowance to noncurrent loans | 34.0168% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 5.6973% | 1,069 |
| Noncurrent loans to loans | 6.8094% | 848 |
| Net loans and leases to total assets | 73.1051% | 1,998 |
| Net loans and leases to deposits | 86.9308% | 2,161 |
| Net loans and leases to core deposits | 119.0181% | 647 |
| Total domestic deposits to total assets | 84.0957% | 4,066 |
| Equity capital to assets | 8.6333% | 6,122 |
| Core capital (leverage) ratio | 6.8922% | 7,215 |
| Tier 1 risk-based capital ratio | 8.9778% | 7,369 |
| Total risk-based capital ratio | 10.2391% | 7,385 |
| Memoranda: | ||
| Average total assets | $125,957,500 | 4,415 |
| Average earning assets | $111,917,750 | 4,485 |
| Average equity | $11,493,000 | 4,811 |
| Average total loans | $98,698,750 | 3,900 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 2,372 |
| Cost of funding earning assets | 1.9717% | 981 |
| Net interest margin | 3.5676% | 4,957 |
| Noninterest income to average assets | 0.1214% | 6,996 |
| Noninterest expense to average assets | 3.8946% | 1,193 |
| Loan and lease loss provision to assets | 1.2524% | 1,112 |
| Net operating income to assets | 0.4824% | 4,402 |
| Return on assets (ROA) | 0.4824% | 4,563 |
| Pretax return on assets | -1.8866% | 7,207 |
| Return on Equity (ROE) | 5.1918% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.1918% | 2,788 |
| Net charge-offs to loans | 2.6885% | 615 |
| Credit loss provision to net charge-offs | 58.5512% | 5,239 |
| Earnings coverage of net charge-offs (x) | -0.2965% | 5,928 |
| Efficiency ratio | 119.4512% | 425 |
| Assets per employee ($millions) | 5.3727% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0409% | 2,090 |
| Loan loss allowance to noncurrent loans | 24.4689% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 6.9774% | 760 |
| Noncurrent loans to loans | 8.3407% | 608 |
| Net loans and leases to total assets | 74.5969% | 1,787 |
| Net loans and leases to deposits | 88.9906% | 2,004 |
| Net loans and leases to core deposits | 110.5773% | 1,130 |
| Total domestic deposits to total assets | 83.8257% | 4,188 |
| Equity capital to assets | 9.0193% | 5,415 |
| Core capital (leverage) ratio | 8.0746% | 6,159 |
| Tier 1 risk-based capital ratio | 9.0339% | 7,409 |
| Total risk-based capital ratio | 10.2905% | 7,419 |
| Memoranda: | ||
| Average total assets | $125,198,000 | 4,466 |
| Average earning assets | $110,157,000 | 4,552 |
| Average equity | $11,633,670 | 4,771 |
| Average total loans | $99,608,330 | 3,911 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4274% | 2,909 |
| Cost of funding earning assets | 2.0270% | 1,006 |
| Net interest margin | 3.4004% | 5,578 |
| Noninterest income to average assets | 0.2595% | 6,073 |
| Noninterest expense to average assets | 3.2337% | 2,747 |
| Loan and lease loss provision to assets | 1.9169% | 583 |
| Net operating income to assets | 2.1310% | 280 |
| Return on assets (ROA) | 2.1310% | 306 |
| Pretax return on assets | -1.8877% | 7,379 |
| Return on Equity (ROE) | 22.5861% | 249 |
| Retained earnings to average equity (ytd only) | 22.5861% | 140 |
| Net charge-offs to loans | 0.3629% | 2,963 |
| Credit loss provision to net charge-offs | 649.4505% | 672 |
| Earnings coverage of net charge-offs (x) | 0.0989% | 4,944 |
| Efficiency ratio | 99.1054% | 877 |
| Assets per employee ($millions) | 5.7230% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0520% | 784 |
| Loan loss allowance to noncurrent loans | 35.0200% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 8.0616% | 611 |
| Noncurrent loans to loans | 8.7150% | 578 |
| Net loans and leases to total assets | 77.1766% | 1,299 |
| Net loans and leases to deposits | 94.6984% | 1,269 |
| Net loans and leases to core deposits | 127.4311% | 551 |
| Total domestic deposits to total assets | 81.4973% | 5,270 |
| Equity capital to assets | 9.4904% | 4,548 |
| Core capital (leverage) ratio | 8.6753% | 5,060 |
| Tier 1 risk-based capital ratio | 9.5134% | 7,301 |
| Total risk-based capital ratio | 10.7815% | 7,283 |
| Memoranda: | ||
| Average total assets | $123,324,500 | 4,556 |
| Average earning assets | $108,928,000 | 4,637 |
| Average equity | $11,635,500 | 4,807 |
| Average total loans | $100,316,000 | 3,952 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2228% | 1,185 |
| Cost of funding earning assets | 2.3776% | 1,372 |
| Net interest margin | 3.8452% | 3,507 |
| Noninterest income to average assets | 1.3481% | 818 |
| Noninterest expense to average assets | 3.4698% | 2,453 |
| Loan and lease loss provision to assets | 1.6124% | 1,418 |
| Net operating income to assets | -0.2729% | 5,933 |
| Return on assets (ROA) | -0.2729% | 5,928 |
| Pretax return on assets | -0.2713% | 5,803 |
| Return on Equity (ROE) | -3.0195% | 5,988 |
| Retained earnings to average equity (ytd only) | -3.0195% | 5,705 |
| Net charge-offs to loans | 1.1067% | 2,207 |
| Credit loss provision to net charge-offs | 171.4757% | 2,479 |
| Earnings coverage of net charge-offs (x) | 1.4262% | 4,697 |
| Efficiency ratio | 72.1238% | 4,243 |
| Assets per employee ($millions) | 5.4883% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5487% | 1,170 |
| Loan loss allowance to noncurrent loans | 116.9027% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 2.4921% | 2,805 |
| Noncurrent loans to loans | 2.1802% | 3,407 |
| Net loans and leases to total assets | 81.0349% | 834 |
| Net loans and leases to deposits | 102.0207% | 753 |
| Net loans and leases to core deposits | 142.3952% | 724 |
| Total domestic deposits to total assets | 79.4299% | 5,869 |
| Equity capital to assets | 9.3769% | 4,594 |
| Core capital (leverage) ratio | 9.5791% | 3,628 |
| Tier 1 risk-based capital ratio | 10.0175% | 6,857 |
| Total risk-based capital ratio | 11.2685% | 6,826 |
| Memoranda: | ||
| Average total assets | $128,999,200 | 4,357 |
| Average earning assets | $116,170,000 | 4,391 |
| Average equity | $11,657,400 | 4,823 |
| Average total loans | $109,609,400 | 3,708 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3516% | 1,025 |
| Cost of funding earning assets | 2.4567% | 1,423 |
| Net interest margin | 3.8949% | 3,250 |
| Noninterest income to average assets | 1.5524% | 620 |
| Noninterest expense to average assets | 3.2503% | 3,125 |
| Loan and lease loss provision to assets | 1.7579% | 1,050 |
| Net operating income to assets | 0.0549% | 5,594 |
| Return on assets (ROA) | 0.0549% | 5,628 |
| Pretax return on assets | 0.0570% | 5,605 |
| Return on Equity (ROE) | 0.6132% | 5,611 |
| Retained earnings to average equity (ytd only) | 0.6132% | 4,944 |
| Net charge-offs to loans | 0.8471% | 2,270 |
| Credit loss provision to net charge-offs | 243.0380% | 1,792 |
| Earnings coverage of net charge-offs (x) | 2.5091% | 3,972 |
| Efficiency ratio | 64.1695% | 5,716 |
| Assets per employee ($millions) | 5.5131% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7476% | 835 |
| Loan loss allowance to noncurrent loans | 91.6751% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 2.5524% | 2,718 |
| Noncurrent loans to loans | 2.9971% | 2,519 |
| Net loans and leases to total assets | 82.8219% | 693 |
| Net loans and leases to deposits | 106.2731% | 640 |
| Net loans and leases to core deposits | 152.5770% | 522 |
| Total domestic deposits to total assets | 77.9331% | 6,106 |
| Equity capital to assets | 10.1481% | 3,909 |
| Core capital (leverage) ratio | 9.6064% | 3,782 |
| Tier 1 risk-based capital ratio | 10.5834% | 6,366 |
| Total risk-based capital ratio | 11.8168% | 6,360 |
| Memoranda: | ||
| Average total assets | $131,063,250 | 4,356 |
| Average earning assets | $118,204,000 | 4,380 |
| Average equity | $11,741,250 | 4,856 |
| Average total loans | $111,911,000 | 3,691 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4305% | 943 |
| Cost of funding earning assets | 2.5233% | 1,535 |
| Net interest margin | 3.9072% | 3,086 |
| Noninterest income to average assets | 0.3628% | 5,611 |
| Noninterest expense to average assets | 3.2300% | 3,236 |
| Loan and lease loss provision to assets | 0.5729% | 2,719 |
| Net operating income to assets | 0.0793% | 5,625 |
| Return on assets (ROA) | 0.0793% | 5,718 |
| Pretax return on assets | 0.0808% | 5,716 |
| Return on Equity (ROE) | 0.9200% | 5,652 |
| Retained earnings to average equity (ytd only) | 0.9200% | 4,811 |
| Net charge-offs to loans | 0.2011% | 4,280 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 3.8034% | 3,305 |
| Efficiency ratio | 83.1694% | 2,582 |
| Assets per employee ($millions) | 4.4091% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 2,309 |
| Loan loss allowance to noncurrent loans | 62.8599% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.2870% | 2,847 |
| Noncurrent loans to loans | 2.7191% | 2,646 |
| Net loans and leases to total assets | 82.6723% | 832 |
| Net loans and leases to deposits | 102.4377% | 1,040 |
| Net loans and leases to core deposits | 141.5779% | 951 |
| Total domestic deposits to total assets | 80.7050% | 5,188 |
| Equity capital to assets | 8.5709% | 5,943 |
| Core capital (leverage) ratio | 8.5135% | 5,422 |
| Tier 1 risk-based capital ratio | 9.0157% | 7,689 |
| Total risk-based capital ratio | 10.2388% | 7,724 |
| Memoranda: | ||
| Average total assets | $136,159,330 | 4,255 |
| Average earning assets | $122,696,670 | 4,304 |
| Average equity | $11,738,670 | 4,881 |
| Average total loans | $116,349,330 | 3,618 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3418% | 1,187 |
| Cost of funding earning assets | 2.5432% | 1,759 |
| Net interest margin | 3.7986% | 3,445 |
| Noninterest income to average assets | 0.3885% | 5,311 |
| Noninterest expense to average assets | 3.0729% | 3,476 |
| Loan and lease loss provision to assets | 0.2472% | 3,997 |
| Net operating income to assets | 0.5122% | 4,365 |
| Return on assets (ROA) | 0.5122% | 4,555 |
| Pretax return on assets | 0.5151% | 5,038 |
| Return on Equity (ROE) | 5.9232% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.9232% | 2,666 |
| Net charge-offs to loans | 0.0513% | 4,756 |
| Credit loss provision to net charge-offs | 560.0000% | 1,003 |
| Earnings coverage of net charge-offs (x) | 17.2667% | 1,516 |
| Efficiency ratio | 80.1228% | 2,800 |
| Assets per employee ($millions) | 4.4216% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 2,914 |
| Loan loss allowance to noncurrent loans | 69.1130% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.8589% | 3,132 |
| Noncurrent loans to loans | 2.1879% | 2,996 |
| Net loans and leases to total assets | 83.6785% | 737 |
| Net loans and leases to deposits | 103.8508% | 1,018 |
| Net loans and leases to core deposits | 136.2480% | 1,290 |
| Total domestic deposits to total assets | 80.5758% | 5,143 |
| Equity capital to assets | 8.6328% | 5,865 |
| Core capital (leverage) ratio | 8.8103% | 4,965 |
| Tier 1 risk-based capital ratio | 8.9113% | 7,839 |
| Total risk-based capital ratio | 10.1628% | 7,877 |
| Memoranda: | ||
| Average total assets | $135,897,500 | 4,290 |
| Average earning assets | $123,309,500 | 4,299 |
| Average equity | $11,750,500 | 4,913 |
| Average total loans | $117,042,000 | 3,621 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8606% | 1,514 |
| Cost of funding earning assets | 3.0320% | 1,743 |
| Net interest margin | 3.8286% | 3,898 |
| Noninterest income to average assets | 0.3970% | 5,496 |
| Noninterest expense to average assets | 3.5494% | 2,271 |
| Loan and lease loss provision to assets | 0.7837% | 1,903 |
| Net operating income to assets | -0.4067% | 6,830 |
| Return on assets (ROA) | -0.3666% | 6,661 |
| Pretax return on assets | -0.3651% | 6,513 |
| Return on Equity (ROE) | -4.1393% | 6,766 |
| Retained earnings to average equity (ytd only) | -4.1393% | 6,350 |
| Net charge-offs to loans | 0.6886% | 1,780 |
| Credit loss provision to net charge-offs | 133.8403% | 3,971 |
| Earnings coverage of net charge-offs (x) | 0.6464% | 5,837 |
| Efficiency ratio | 90.3646% | 1,488 |
| Assets per employee ($millions) | 4.2101% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 2,981 |
| Loan loss allowance to noncurrent loans | 56.1940% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 2.2349% | 2,184 |
| Noncurrent loans to loans | 2.5599% | 2,124 |
| Net loans and leases to total assets | 86.0515% | 598 |
| Net loans and leases to deposits | 108.0538% | 968 |
| Net loans and leases to core deposits | 131.6990% | 1,744 |
| Total domestic deposits to total assets | 79.6376% | 5,152 |
| Equity capital to assets | 8.6607% | 5,860 |
| Core capital (leverage) ratio | 8.5812% | 5,424 |
| Tier 1 risk-based capital ratio | 8.8210% | 7,892 |
| Total risk-based capital ratio | 10.0715% | 7,944 |
| Memoranda: | ||
| Average total assets | $134,754,000 | 4,191 |
| Average earning assets | $124,275,000 | 4,168 |
| Average equity | $11,934,400 | 4,845 |
| Average total loans | $114,588,600 | 3,573 |