Home > Golden State Bank > Performance and Condition Ratios
Golden State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3953% | 392 |
| Cost of funding earning assets | 2.3458% | 498 |
| Net interest margin | 4.0494% | 1,132 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 2.1582% | 3,230 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.1893% | 1,671 |
| Return on assets (ROA) | 1.1893% | 1,650 |
| Pretax return on assets | 1.6859% | 1,088 |
| Return on Equity (ROE) | 12.0900% | 1,931 |
| Retained earnings to average equity (ytd only) | 12.0903% | 622 |
| Net charge-offs to loans | 0.0630% | 1,224 |
| Credit loss provision to net charge-offs | 183.6676% | 1,288 |
| Earnings coverage of net charge-offs (x) | 36.5186% | 1,504 |
| Efficiency ratio | 54.0903% | 3,672 |
| Assets per employee ($millions) | 12.7985% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 1,533 |
| Loan loss allowance to noncurrent loans | 122.9380% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8576% | 589 |
| Noncurrent loans to loans | 1.1087% | 658 |
| Net loans and leases to total assets | 76.2900% | 1,080 |
| Net loans and leases to deposits | 89.3443% | 1,318 |
| Net loans and leases to core deposits | 129.6111% | 406 |
| Total domestic deposits to total assets | 85.3900% | 2,189 |
| Equity capital to assets | 9.9551% | 2,037 |
| Core capital (leverage) ratio | 9.9917% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $695,775,400 | 1,318 |
| Average earning assets | $680,144,600 | 1,266 |
| Average equity | $68,443,400 | 1,269 |
| Average total loans | $553,877,200 | 1,147 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2465% | 394 |
| Cost of funding earning assets | 2.1154% | 576 |
| Net interest margin | 4.1311% | 1,014 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 2.2215% | 3,021 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.2325% | 1,694 |
| Return on assets (ROA) | 1.2325% | 1,693 |
| Pretax return on assets | 1.7466% | 1,091 |
| Return on Equity (ROE) | 12.5700% | 1,988 |
| Retained earnings to average equity (ytd only) | 12.5697% | 877 |
| Net charge-offs to loans | -0.0060% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.6661% | 3,534 |
| Assets per employee ($millions) | 12.7097% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,555 |
| Loan loss allowance to noncurrent loans | 121.2218% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8832% | 613 |
| Noncurrent loans to loans | 1.1351% | 691 |
| Net loans and leases to total assets | 76.7400% | 1,024 |
| Net loans and leases to deposits | 90.2778% | 1,216 |
| Net loans and leases to core deposits | 130.7604% | 335 |
| Total domestic deposits to total assets | 85.0000% | 2,498 |
| Equity capital to assets | 9.9214% | 1,871 |
| Core capital (leverage) ratio | 9.8932% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $687,340,500 | 1,325 |
| Average earning assets | $672,188,500 | 1,269 |
| Average equity | $67,398,250 | 1,275 |
| Average total loans | $551,283,000 | 1,145 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1283% | 386 |
| Cost of funding earning assets | 1.8718% | 646 |
| Net interest margin | 4.2565% | 854 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 2.2196% | 3,016 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.2983% | 1,572 |
| Return on assets (ROA) | 1.2983% | 1,558 |
| Pretax return on assets | 1.8401% | 948 |
| Return on Equity (ROE) | 13.2900% | 1,838 |
| Retained earnings to average equity (ytd only) | 13.2949% | 766 |
| Net charge-offs to loans | -0.0065% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.1444% | 3,682 |
| Assets per employee ($millions) | 12.7753% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,674 |
| Loan loss allowance to noncurrent loans | 88.7496% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 350 |
| Noncurrent loans to loans | 1.5310% | 427 |
| Net loans and leases to total assets | 76.1200% | 1,037 |
| Net loans and leases to deposits | 89.0067% | 1,260 |
| Net loans and leases to core deposits | 114.9896% | 654 |
| Total domestic deposits to total assets | 85.5300% | 2,383 |
| Equity capital to assets | 9.5876% | 2,098 |
| Core capital (leverage) ratio | 9.9291% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $679,207,000 | 1,329 |
| Average earning assets | $664,295,333 | 1,277 |
| Average equity | $66,326,000 | 1,287 |
| Average total loans | $550,447,667 | 1,134 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1084% | 272 |
| Cost of funding earning assets | 1.5941% | 703 |
| Net interest margin | 4.5143% | 579 |
| Noninterest income to average assets | -0.0100% | 4,655 |
| Noninterest expense to average assets | 2.1788% | 3,150 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 1.3656% | 1,500 |
| Return on assets (ROA) | 1.3656% | 1,468 |
| Pretax return on assets | 1.9337% | 866 |
| Return on Equity (ROE) | 13.8500% | 1,807 |
| Retained earnings to average equity (ytd only) | 13.8480% | 960 |
| Net charge-offs to loans | -0.0073% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.4439% | 3,985 |
| Assets per employee ($millions) | 12.4716% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 1,547 |
| Loan loss allowance to noncurrent loans | 325.2059% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 1,426 |
| Noncurrent loans to loans | 0.4366% | 1,627 |
| Net loans and leases to total assets | 81.3900% | 427 |
| Net loans and leases to deposits | 94.7140% | 736 |
| Net loans and leases to core deposits | 117.1428% | 508 |
| Total domestic deposits to total assets | 85.9400% | 2,610 |
| Equity capital to assets | 9.8537% | 1,894 |
| Core capital (leverage) ratio | 10.0360% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $661,103,000 | 1,384 |
| Average earning assets | $647,372,000 | 1,317 |
| Average equity | $65,193,500 | 1,312 |
| Average total loans | $549,617,000 | 1,148 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2490% | 208 |
| Cost of funding earning assets | 0.8549% | 315 |
| Net interest margin | 4.3941% | 354 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 2.0386% | 3,472 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 1.3651% | 1,227 |
| Return on assets (ROA) | 1.3651% | 1,185 |
| Pretax return on assets | 1.9487% | 529 |
| Return on Equity (ROE) | 14.0500% | 1,519 |
| Retained earnings to average equity (ytd only) | 14.0483% | 382 |
| Net charge-offs to loans | 0.0603% | 1,046 |
| Credit loss provision to net charge-offs | 720.4947% | 535 |
| Earnings coverage of net charge-offs (x) | 48.5088% | 1,385 |
| Efficiency ratio | 47.1105% | 4,294 |
| Assets per employee ($millions) | 11.7953% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 1,574 |
| Loan loss allowance to noncurrent loans | 308.6079% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 934 |
| Noncurrent loans to loans | 0.4470% | 1,592 |
| Net loans and leases to total assets | 82.5700% | 364 |
| Net loans and leases to deposits | 94.6506% | 742 |
| Net loans and leases to core deposits | 112.9055% | 520 |
| Total domestic deposits to total assets | 87.2400% | 2,308 |
| Equity capital to assets | 9.8693% | 1,774 |
| Core capital (leverage) ratio | 9.8557% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3825% | 2,207 |
| Memoranda: | ||
| Average total assets | $599,826,000 | 1,482 |
| Average earning assets | $584,720,400 | 1,417 |
| Average equity | $58,284,600 | 1,434 |
| Average total loans | $469,335,400 | 1,232 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 204 |
| Cost of funding earning assets | 0.7036% | 264 |
| Net interest margin | 4.3246% | 324 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 2.0481% | 3,357 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 1.3397% | 1,240 |
| Return on assets (ROA) | 1.3397% | 1,220 |
| Pretax return on assets | 1.9031% | 580 |
| Return on Equity (ROE) | 13.8500% | 1,469 |
| Retained earnings to average equity (ytd only) | 13.8468% | 485 |
| Net charge-offs to loans | 0.0852% | 704 |
| Credit loss provision to net charge-offs | 461.1111% | 637 |
| Earnings coverage of net charge-offs (x) | 33.7326% | 1,462 |
| Efficiency ratio | 48.1618% | 4,263 |
| Assets per employee ($millions) | 11.7816% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 1,670 |
| Loan loss allowance to noncurrent loans | 388.1443% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 1,232 |
| Noncurrent loans to loans | 0.3555% | 1,960 |
| Net loans and leases to total assets | 76.1300% | 902 |
| Net loans and leases to deposits | 87.3434% | 1,076 |
| Net loans and leases to core deposits | 99.4765% | 838 |
| Total domestic deposits to total assets | 87.1700% | 2,707 |
| Equity capital to assets | 9.6874% | 1,777 |
| Core capital (leverage) ratio | 9.5875% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7027% | 2,173 |
| Memoranda: | ||
| Average total assets | $587,597,000 | 1,523 |
| Average earning assets | $571,876,000 | 1,451 |
| Average equity | $56,849,250 | 1,478 |
| Average total loans | $450,876,250 | 1,263 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 203 |
| Cost of funding earning assets | 0.6788% | 177 |
| Net interest margin | 4.1947% | 339 |
| Noninterest income to average assets | 0.0413% | 4,657 |
| Noninterest expense to average assets | 2.0742% | 3,223 |
| Loan and lease loss provision to assets | 0.3000% | 219 |
| Net operating income to assets | 1.2202% | 1,363 |
| Return on assets (ROA) | 1.2202% | 1,351 |
| Pretax return on assets | 1.7400% | 687 |
| Return on Equity (ROE) | 12.6179% | 1,487 |
| Retained earnings to average equity (ytd only) | 12.6179% | 515 |
| Net charge-offs to loans | 0.0183% | 1,372 |
| Credit loss provision to net charge-offs | 2,142.5000% | 234 |
| Earnings coverage of net charge-offs (x) | 145.7000% | 658 |
| Efficiency ratio | 50.4169% | 4,224 |
| Assets per employee ($millions) | 11.6154% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 1,709 |
| Loan loss allowance to noncurrent loans | 327.0459% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 1,124 |
| Noncurrent loans to loans | 0.4315% | 1,830 |
| Net loans and leases to total assets | 75.8070% | 748 |
| Net loans and leases to deposits | 87.8869% | 840 |
| Net loans and leases to core deposits | 100.2439% | 661 |
| Total domestic deposits to total assets | 86.2552% | 3,180 |
| Equity capital to assets | 9.7925% | 1,826 |
| Core capital (leverage) ratio | 9.9313% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8726% | 2,111 |
| Memoranda: | ||
| Average total assets | $571,394,333 | 1,571 |
| Average earning assets | $554,795,000 | 1,506 |
| Average equity | $55,255,000 | 1,540 |
| Average total loans | $437,455,333 | 1,283 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 250 |
| Cost of funding earning assets | 0.7012% | 153 |
| Net interest margin | 3.9059% | 496 |
| Noninterest income to average assets | 0.0447% | 4,666 |
| Noninterest expense to average assets | 2.0739% | 3,242 |
| Loan and lease loss provision to assets | 0.2147% | 328 |
| Net operating income to assets | 1.0773% | 1,598 |
| Return on assets (ROA) | 1.0773% | 1,593 |
| Pretax return on assets | 1.5370% | 943 |
| Return on Equity (ROE) | 11.2176% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.2176% | 739 |
| Net charge-offs to loans | 0.0443% | 843 |
| Credit loss provision to net charge-offs | 634.0426% | 451 |
| Earnings coverage of net charge-offs (x) | 51.7234% | 915 |
| Efficiency ratio | 54.2098% | 4,036 |
| Assets per employee ($millions) | 11.4536% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 1,962 |
| Loan loss allowance to noncurrent loans | 298.8024% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 1,041 |
| Noncurrent loans to loans | 0.4640% | 1,865 |
| Net loans and leases to total assets | 72.9170% | 748 |
| Net loans and leases to deposits | 85.3607% | 784 |
| Net loans and leases to core deposits | 97.2494% | 603 |
| Total domestic deposits to total assets | 85.4222% | 3,428 |
| Equity capital to assets | 9.7734% | 2,070 |
| Core capital (leverage) ratio | 9.9333% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2216% | 2,109 |
| Memoranda: | ||
| Average total assets | $555,091,000 | 1,615 |
| Average earning assets | $537,339,500 | 1,569 |
| Average equity | $53,309,000 | 1,643 |
| Average total loans | $423,968,500 | 1,313 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6771% | 435 |
| Cost of funding earning assets | 0.8677% | 142 |
| Net interest margin | 3.8095% | 986 |
| Noninterest income to average assets | 0.0485% | 4,728 |
| Noninterest expense to average assets | 2.2134% | 3,038 |
| Loan and lease loss provision to assets | 0.3207% | 242 |
| Net operating income to assets | 0.8307% | 3,234 |
| Return on assets (ROA) | 0.8307% | 3,311 |
| Pretax return on assets | 1.1818% | 2,725 |
| Return on Equity (ROE) | 9.6984% | 2,639 |
| Retained earnings to average equity (ytd only) | 9.6984% | 995 |
| Net charge-offs to loans | 0.0409% | 1,445 |
| Credit loss provision to net charge-offs | 1,063.3333% | 512 |
| Earnings coverage of net charge-offs (x) | 49.8133% | 1,300 |
| Efficiency ratio | 59.5649% | 3,219 |
| Assets per employee ($millions) | 10.1163% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 2,005 |
| Loan loss allowance to noncurrent loans | 301.3130% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 1,069 |
| Noncurrent loans to loans | 0.4577% | 1,988 |
| Net loans and leases to total assets | 77.9927% | 376 |
| Net loans and leases to deposits | 91.9910% | 474 |
| Net loans and leases to core deposits | 107.4048% | 335 |
| Total domestic deposits to total assets | 84.7829% | 3,334 |
| Equity capital to assets | 9.4151% | 3,211 |
| Core capital (leverage) ratio | 9.0472% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5292% | 2,770 |
| Memoranda: | ||
| Average total assets | $497,296,000 | 1,704 |
| Average earning assets | $478,755,800 | 1,663 |
| Average equity | $42,594,800 | 1,989 |
| Average total loans | $367,017,600 | 1,471 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 585 |
| Cost of funding earning assets | 0.8896% | 160 |
| Net interest margin | 3.6977% | 1,336 |
| Noninterest income to average assets | 0.0471% | 4,807 |
| Noninterest expense to average assets | 2.2794% | 2,810 |
| Loan and lease loss provision to assets | 0.3332% | 225 |
| Net operating income to assets | 0.6913% | 3,785 |
| Return on assets (ROA) | 0.6913% | 3,852 |
| Pretax return on assets | 0.9908% | 3,489 |
| Return on Equity (ROE) | 8.2912% | 3,318 |
| Retained earnings to average equity (ytd only) | 8.2912% | 1,955 |
| Net charge-offs to loans | 0.0669% | 975 |
| Credit loss provision to net charge-offs | 688.2022% | 647 |
| Earnings coverage of net charge-offs (x) | 27.3427% | 1,579 |
| Efficiency ratio | 63.2568% | 2,503 |
| Assets per employee ($millions) | 10.7895% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 2,299 |
| Loan loss allowance to noncurrent loans | 242.6818% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 1,151 |
| Noncurrent loans to loans | 0.5506% | 1,940 |
| Net loans and leases to total assets | 73.0735% | 768 |
| Net loans and leases to deposits | 84.5595% | 927 |
| Net loans and leases to core deposits | 98.0424% | 660 |
| Total domestic deposits to total assets | 86.4167% | 2,594 |
| Equity capital to assets | 7.8364% | 4,592 |
| Core capital (leverage) ratio | 7.6968% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0272% | 3,088 |
| Memoranda: | ||
| Average total assets | $490,108,000 | 1,738 |
| Average earning assets | $471,381,000 | 1,699 |
| Average equity | $40,861,500 | 2,085 |
| Average total loans | $354,768,000 | 1,531 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 609 |
| Cost of funding earning assets | 0.9310% | 158 |
| Net interest margin | 3.6849% | 1,389 |
| Noninterest income to average assets | 0.0448% | 4,847 |
| Noninterest expense to average assets | 2.4098% | 2,430 |
| Loan and lease loss provision to assets | 0.2745% | 335 |
| Net operating income to assets | 0.6296% | 3,920 |
| Return on assets (ROA) | 0.6296% | 3,978 |
| Pretax return on assets | 0.9002% | 3,665 |
| Return on Equity (ROE) | 7.3830% | 3,557 |
| Retained earnings to average equity (ytd only) | 7.3830% | 2,295 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2282% | 1,977 |
| Assets per employee ($millions) | 9.1615% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 2,110 |
| Loan loss allowance to noncurrent loans | 613.9130% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 1,894 |
| Noncurrent loans to loans | 0.2230% | 3,161 |
| Net loans and leases to total assets | 71.9803% | 971 |
| Net loans and leases to deposits | 83.8147% | 1,078 |
| Net loans and leases to core deposits | 98.3908% | 704 |
| Total domestic deposits to total assets | 85.8803% | 2,781 |
| Equity capital to assets | 8.3282% | 4,338 |
| Core capital (leverage) ratio | 7.8433% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2996% | 3,060 |
| Memoranda: | ||
| Average total assets | $473,653,000 | 1,776 |
| Average earning assets | $454,998,000 | 1,743 |
| Average equity | $40,390,333 | 2,089 |
| Average total loans | $339,840,333 | 1,595 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 687 |
| Cost of funding earning assets | 0.9766% | 156 |
| Net interest margin | 3.6106% | 1,557 |
| Noninterest income to average assets | 0.0579% | 4,830 |
| Noninterest expense to average assets | 2.4633% | 2,287 |
| Loan and lease loss provision to assets | 0.2332% | 479 |
| Net operating income to assets | 0.5787% | 3,996 |
| Return on assets (ROA) | 0.5787% | 4,048 |
| Pretax return on assets | 0.8292% | 3,761 |
| Return on Equity (ROE) | 6.7025% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.7025% | 2,664 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8677% | 1,720 |
| Assets per employee ($millions) | 8.7043% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 2,104 |
| Loan loss allowance to noncurrent loans | 561.8227% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 2,071 |
| Noncurrent loans to loans | 0.2438% | 3,225 |
| Net loans and leases to total assets | 67.3822% | 1,613 |
| Net loans and leases to deposits | 78.4904% | 1,671 |
| Net loans and leases to core deposits | 92.8926% | 1,049 |
| Total domestic deposits to total assets | 85.8477% | 2,789 |
| Equity capital to assets | 8.2763% | 4,303 |
| Core capital (leverage) ratio | 7.8750% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7826% | 2,963 |
| Memoranda: | ||
| Average total assets | $463,120,000 | 1,797 |
| Average earning assets | $444,807,000 | 1,761 |
| Average equity | $39,985,000 | 2,091 |
| Average total loans | $329,239,500 | 1,631 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 1,429 |
| Cost of funding earning assets | 1.3721% | 140 |
| Net interest margin | 3.0817% | 3,674 |
| Noninterest income to average assets | 0.0122% | 4,935 |
| Noninterest expense to average assets | 2.8059% | 1,926 |
| Loan and lease loss provision to assets | 0.2238% | 1,747 |
| Net operating income to assets | -0.0678% | 4,769 |
| Return on assets (ROA) | -0.0678% | 4,797 |
| Pretax return on assets | -0.0801% | 4,790 |
| Return on Equity (ROE) | -0.7577% | 4,808 |
| Retained earnings to average equity (ytd only) | -0.7577% | 4,616 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1262% | 249 |
| Assets per employee ($millions) | 7.4373% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,323 |
| Loan loss allowance to noncurrent loans | 287.2825% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 1,632 |
| Noncurrent loans to loans | 0.4590% | 2,594 |
| Net loans and leases to total assets | 73.1945% | 1,132 |
| Net loans and leases to deposits | 86.6695% | 1,201 |
| Net loans and leases to core deposits | 106.3046% | 632 |
| Total domestic deposits to total assets | 84.4524% | 2,964 |
| Equity capital to assets | 9.0310% | 4,024 |
| Core capital (leverage) ratio | 8.2889% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5196% | 3,023 |
| Memoranda: | ||
| Average total assets | $408,324,200 | 1,835 |
| Average earning assets | $389,198,400 | 1,799 |
| Average equity | $36,558,800 | 2,152 |
| Average total loans | $281,849,000 | 1,766 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 1,772 |
| Cost of funding earning assets | 1.4316% | 152 |
| Net interest margin | 2.9970% | 3,984 |
| Noninterest income to average assets | 0.0040% | 4,981 |
| Noninterest expense to average assets | 2.7967% | 1,971 |
| Loan and lease loss provision to assets | 0.1737% | 2,247 |
| Net operating income to assets | -0.0882% | 4,807 |
| Return on assets (ROA) | -0.0882% | 4,821 |
| Pretax return on assets | -0.1125% | 4,813 |
| Return on Equity (ROE) | -0.9872% | 4,833 |
| Retained earnings to average equity (ytd only) | -0.9872% | 4,614 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8577% | 194 |
| Assets per employee ($millions) | 8.5493% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,014 |
| Loan loss allowance to noncurrent loans | 275.6184% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 1,616 |
| Noncurrent loans to loans | 0.4848% | 2,613 |
| Net loans and leases to total assets | 64.7787% | 2,664 |
| Net loans and leases to deposits | 76.6410% | 2,693 |
| Net loans and leases to core deposits | 93.8144% | 1,658 |
| Total domestic deposits to total assets | 84.5222% | 2,620 |
| Equity capital to assets | 8.0067% | 4,711 |
| Core capital (leverage) ratio | 7.4233% | 4,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $400,705,000 | 1,839 |
| Average earning assets | $381,565,750 | 1,809 |
| Average equity | $35,791,500 | 2,170 |
| Average total loans | $270,943,750 | 1,813 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 1,694 |
| Cost of funding earning assets | 1.5003% | 165 |
| Net interest margin | 3.0803% | 3,944 |
| Noninterest income to average assets | 0.0326% | 4,951 |
| Noninterest expense to average assets | 2.8268% | 2,033 |
| Loan and lease loss provision to assets | 0.1321% | 2,698 |
| Net operating income to assets | -0.0140% | 4,789 |
| Return on assets (ROA) | -0.0140% | 4,802 |
| Pretax return on assets | -0.0057% | 4,794 |
| Return on Equity (ROE) | -0.1506% | 4,804 |
| Retained earnings to average equity (ytd only) | -0.1506% | 4,335 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7200% | 248 |
| Assets per employee ($millions) | 8.8676% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 1,874 |
| Loan loss allowance to noncurrent loans | 291.3392% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 771 |
| Noncurrent loans to loans | 0.4567% | 2,778 |
| Net loans and leases to total assets | 62.0005% | 3,126 |
| Net loans and leases to deposits | 75.8070% | 2,894 |
| Net loans and leases to core deposits | 91.9444% | 1,911 |
| Total domestic deposits to total assets | 81.7873% | 3,427 |
| Equity capital to assets | 8.2362% | 4,618 |
| Core capital (leverage) ratio | 8.1898% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,084,667 | 1,860 |
| Average earning assets | $366,063,667 | 1,834 |
| Average equity | $35,857,000 | 2,168 |
| Average total loans | $263,963,667 | 1,826 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 777 |
| Cost of funding earning assets | 1.5958% | 194 |
| Net interest margin | 3.5136% | 2,936 |
| Noninterest income to average assets | 0.0365% | 4,995 |
| Noninterest expense to average assets | 2.8474% | 2,285 |
| Loan and lease loss provision to assets | 0.1393% | 1,995 |
| Net operating income to assets | 0.2509% | 4,448 |
| Return on assets (ROA) | 0.2509% | 4,469 |
| Pretax return on assets | 0.3670% | 4,356 |
| Return on Equity (ROE) | 2.5298% | 4,334 |
| Retained earnings to average equity (ytd only) | 2.5298% | 3,257 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9044% | 773 |
| Assets per employee ($millions) | 7.5881% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,042 |
| Loan loss allowance to noncurrent loans | 612.5874% | 811 |
| Noncurrent assets plus other real estate owned to assets | 1.3633% | 840 |
| Noncurrent loans to loans | 0.2159% | 3,705 |
| Net loans and leases to total assets | 70.3118% | 2,199 |
| Net loans and leases to deposits | 87.0424% | 1,869 |
| Net loans and leases to core deposits | 107.7005% | 957 |
| Total domestic deposits to total assets | 80.7789% | 3,713 |
| Equity capital to assets | 9.6855% | 4,057 |
| Core capital (leverage) ratio | 9.2558% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,871,500 | 1,915 |
| Average earning assets | $341,644,000 | 1,884 |
| Average equity | $35,892,000 | 2,146 |
| Average total loans | $259,429,500 | 1,810 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8122% | 318 |
| Cost of funding earning assets | 1.7322% | 176 |
| Net interest margin | 4.0800% | 1,592 |
| Noninterest income to average assets | -0.1885% | 5,162 |
| Noninterest expense to average assets | 2.8085% | 2,572 |
| Loan and lease loss provision to assets | 0.1355% | 1,576 |
| Net operating income to assets | 0.5130% | 4,379 |
| Return on assets (ROA) | 0.5130% | 4,431 |
| Pretax return on assets | 0.7329% | 4,129 |
| Return on Equity (ROE) | 4.8798% | 4,242 |
| Retained earnings to average equity (ytd only) | 4.8798% | 2,480 |
| Net charge-offs to loans | -0.0258% | 4,680 |
| Credit loss provision to net charge-offs | -730.6452% | 4,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3830% | 1,318 |
| Assets per employee ($millions) | 7.6113% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 1,792 |
| Loan loss allowance to noncurrent loans | 107.9233% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 2.1784% | 343 |
| Noncurrent loans to loans | 1.2326% | 1,213 |
| Net loans and leases to total assets | 71.5601% | 2,158 |
| Net loans and leases to deposits | 84.6491% | 2,256 |
| Net loans and leases to core deposits | 102.6449% | 1,343 |
| Total domestic deposits to total assets | 84.5373% | 2,666 |
| Equity capital to assets | 10.2170% | 3,717 |
| Core capital (leverage) ratio | 9.3225% | 4,258 |
| Tier 1 risk-based capital ratio | 11.0350% | 4,846 |
| Total risk-based capital ratio | 12.2857% | 4,747 |
| Memoranda: | ||
| Average total assets | $334,301,000 | 1,962 |
| Average earning assets | $316,715,000 | 1,936 |
| Average equity | $35,145,000 | 2,128 |
| Average total loans | $240,416,800 | 1,883 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7368% | 394 |
| Cost of funding earning assets | 1.7203% | 185 |
| Net interest margin | 4.0165% | 1,883 |
| Noninterest income to average assets | 0.1074% | 4,965 |
| Noninterest expense to average assets | 2.6763% | 2,927 |
| Loan and lease loss provision to assets | 0.1828% | 995 |
| Net operating income to assets | 0.7317% | 3,907 |
| Return on assets (ROA) | 0.7317% | 3,972 |
| Pretax return on assets | 1.0478% | 3,453 |
| Return on Equity (ROE) | 6.9088% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.9088% | 1,909 |
| Net charge-offs to loans | -0.0349% | 4,743 |
| Credit loss provision to net charge-offs | -730.6452% | 4,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5021% | 2,340 |
| Assets per employee ($millions) | 8.3934% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 1,917 |
| Loan loss allowance to noncurrent loans | 78.5581% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 2.7686% | 215 |
| Noncurrent loans to loans | 1.6705% | 879 |
| Net loans and leases to total assets | 72.0614% | 2,169 |
| Net loans and leases to deposits | 86.3564% | 2,152 |
| Net loans and leases to core deposits | 102.6744% | 1,446 |
| Total domestic deposits to total assets | 83.4465% | 3,010 |
| Equity capital to assets | 10.1749% | 3,848 |
| Core capital (leverage) ratio | 9.2147% | 4,467 |
| Tier 1 risk-based capital ratio | 10.6927% | 5,022 |
| Total risk-based capital ratio | 11.9189% | 4,949 |
| Memoranda: | ||
| Average total assets | $330,346,000 | 1,990 |
| Average earning assets | $312,501,750 | 1,956 |
| Average equity | $34,988,250 | 2,152 |
| Average total loans | $237,039,750 | 1,916 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7671% | 354 |
| Cost of funding earning assets | 1.6730% | 202 |
| Net interest margin | 4.0940% | 1,625 |
| Noninterest income to average assets | 0.1307% | 4,924 |
| Noninterest expense to average assets | 2.6796% | 2,979 |
| Loan and lease loss provision to assets | 0.1703% | 1,070 |
| Net operating income to assets | 0.8020% | 3,644 |
| Return on assets (ROA) | 0.8020% | 3,707 |
| Pretax return on assets | 1.1482% | 3,086 |
| Return on Equity (ROE) | 7.4651% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.4651% | 1,620 |
| Net charge-offs to loans | -0.0539% | 4,842 |
| Credit loss provision to net charge-offs | -443.5484% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0229% | 2,679 |
| Assets per employee ($millions) | 8.8247% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,846 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 2.4871% | 301 |
| Noncurrent loans to loans | 1.2075% | 1,327 |
| Net loans and leases to total assets | 70.1706% | 2,508 |
| Net loans and leases to deposits | 84.5960% | 2,422 |
| Net loans and leases to core deposits | 100.7105% | 1,656 |
| Total domestic deposits to total assets | 82.9479% | 3,221 |
| Equity capital to assets | 10.5413% | 3,483 |
| Core capital (leverage) ratio | 9.4470% | 4,205 |
| Tier 1 risk-based capital ratio | 11.1716% | 4,844 |
| Total risk-based capital ratio | 12.3680% | 4,766 |
| Memoranda: | ||
| Average total assets | $322,953,670 | 2,035 |
| Average earning assets | $305,077,670 | 2,007 |
| Average equity | $34,694,670 | 2,157 |
| Average total loans | $230,249,330 | 1,972 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7222% | 353 |
| Cost of funding earning assets | 1.6058% | 223 |
| Net interest margin | 4.1163% | 1,510 |
| Noninterest income to average assets | 0.1541% | 4,819 |
| Noninterest expense to average assets | 2.6607% | 3,028 |
| Loan and lease loss provision to assets | 0.2425% | 608 |
| Net operating income to assets | 0.7955% | 3,638 |
| Return on assets (ROA) | 0.7955% | 3,685 |
| Pretax return on assets | 1.1352% | 3,030 |
| Return on Equity (ROE) | 7.3325% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.3325% | 1,912 |
| Net charge-offs to loans | -0.1097% | 5,051 |
| Credit loss provision to net charge-offs | -309.6774% | 3,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8849% | 2,954 |
| Assets per employee ($millions) | 8.8075% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,021 |
| Loan loss allowance to noncurrent loans | 107.7801% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 2.5629% | 294 |
| Noncurrent loans to loans | 1.2203% | 1,349 |
| Net loans and leases to total assets | 71.7681% | 2,206 |
| Net loans and leases to deposits | 86.7782% | 2,025 |
| Net loans and leases to core deposits | 101.2183% | 1,521 |
| Total domestic deposits to total assets | 82.7029% | 3,502 |
| Equity capital to assets | 10.6430% | 3,210 |
| Core capital (leverage) ratio | 9.3455% | 4,322 |
| Tier 1 risk-based capital ratio | 11.2440% | 4,867 |
| Total risk-based capital ratio | 12.4816% | 4,782 |
| Memoranda: | ||
| Average total assets | $316,762,000 | 2,084 |
| Average earning assets | $298,907,500 | 2,055 |
| Average equity | $34,367,500 | 2,171 |
| Average total loans | $226,120,000 | 2,018 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8611% | 213 |
| Cost of funding earning assets | 1.1883% | 360 |
| Net interest margin | 4.6728% | 515 |
| Noninterest income to average assets | 0.1317% | 5,037 |
| Noninterest expense to average assets | 2.7514% | 2,854 |
| Loan and lease loss provision to assets | 0.3013% | 536 |
| Net operating income to assets | 3.6318% | 55 |
| Return on assets (ROA) | 3.6318% | 55 |
| Pretax return on assets | 1.5197% | 1,715 |
| Return on Equity (ROE) | 33.0919% | 24 |
| Retained earnings to average equity (ytd only) | 33.0919% | 6 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1743% | 3,827 |
| Assets per employee ($millions) | 8.7954% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 1,905 |
| Loan loss allowance to noncurrent loans | 842.0588% | 717 |
| Noncurrent assets plus other real estate owned to assets | 1.8841% | 525 |
| Noncurrent loans to loans | 0.1580% | 4,032 |
| Net loans and leases to total assets | 68.9920% | 2,728 |
| Net loans and leases to deposits | 84.2333% | 2,492 |
| Net loans and leases to core deposits | 98.5294% | 1,828 |
| Total domestic deposits to total assets | 81.9059% | 3,666 |
| Equity capital to assets | 11.1701% | 2,537 |
| Core capital (leverage) ratio | 10.4501% | 3,084 |
| Tier 1 risk-based capital ratio | 12.2516% | 4,264 |
| Total risk-based capital ratio | 13.5017% | 4,157 |
| Memoranda: | ||
| Average total assets | $255,904,000 | 2,432 |
| Average earning assets | $243,195,800 | 2,390 |
| Average equity | $28,085,400 | 2,454 |
| Average total loans | $206,204,000 | 2,128 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8455% | 195 |
| Cost of funding earning assets | 1.1166% | 368 |
| Net interest margin | 4.7289% | 440 |
| Noninterest income to average assets | 0.1317% | 5,099 |
| Noninterest expense to average assets | 2.7290% | 2,883 |
| Loan and lease loss provision to assets | 0.3096% | 467 |
| Net operating income to assets | 1.6049% | 952 |
| Return on assets (ROA) | 1.6049% | 955 |
| Pretax return on assets | 1.6049% | 1,569 |
| Return on Equity (ROE) | 14.7059% | 934 |
| Retained earnings to average equity (ytd only) | 14.7059% | 190 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7707% | 3,996 |
| Assets per employee ($millions) | 7.9564% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,589 |
| Loan loss allowance to noncurrent loans | 925.4355% | 639 |
| Noncurrent assets plus other real estate owned to assets | 2.1888% | 453 |
| Noncurrent loans to loans | 0.1304% | 4,298 |
| Net loans and leases to total assets | 82.8275% | 585 |
| Net loans and leases to deposits | 101.8146% | 660 |
| Net loans and leases to core deposits | 119.4947% | 587 |
| Total domestic deposits to total assets | 81.3513% | 3,778 |
| Equity capital to assets | 10.6665% | 2,961 |
| Core capital (leverage) ratio | 10.7546% | 2,833 |
| Tier 1 risk-based capital ratio | 11.7375% | 4,639 |
| Total risk-based capital ratio | 12.9030% | 4,593 |
| Memoranda: | ||
| Average total assets | $242,920,000 | 2,529 |
| Average earning assets | $231,761,750 | 2,489 |
| Average equity | $26,510,250 | 2,551 |
| Average total loans | $203,943,000 | 2,153 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6817% | 243 |
| Cost of funding earning assets | 1.0126% | 450 |
| Net interest margin | 4.6691% | 477 |
| Noninterest income to average assets | 0.1303% | 5,157 |
| Noninterest expense to average assets | 2.6450% | 3,177 |
| Loan and lease loss provision to assets | 0.3097% | 447 |
| Net operating income to assets | 1.6271% | 854 |
| Return on assets (ROA) | 1.6271% | 858 |
| Pretax return on assets | 1.6271% | 1,410 |
| Return on Equity (ROE) | 14.7857% | 894 |
| Retained earnings to average equity (ytd only) | 14.7857% | 213 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7285% | 4,277 |
| Assets per employee ($millions) | 7.7732% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,018 |
| Loan loss allowance to noncurrent loans | 856.4460% | 686 |
| Noncurrent assets plus other real estate owned to assets | 2.2404% | 426 |
| Noncurrent loans to loans | 0.1335% | 4,306 |
| Net loans and leases to total assets | 82.8313% | 606 |
| Net loans and leases to deposits | 101.8845% | 672 |
| Net loans and leases to core deposits | 119.4278% | 577 |
| Total domestic deposits to total assets | 81.2993% | 3,917 |
| Equity capital to assets | 10.5234% | 3,088 |
| Core capital (leverage) ratio | 11.1433% | 2,397 |
| Tier 1 risk-based capital ratio | 11.5664% | 4,756 |
| Total risk-based capital ratio | 12.6732% | 4,730 |
| Memoranda: | ||
| Average total assets | $236,373,330 | 2,594 |
| Average earning assets | $225,356,000 | 2,549 |
| Average equity | $26,011,670 | 2,587 |
| Average total loans | $198,548,000 | 2,202 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 223 |
| Cost of funding earning assets | 0.9764% | 417 |
| Net interest margin | 4.6683% | 429 |
| Noninterest income to average assets | 0.1467% | 5,130 |
| Noninterest expense to average assets | 2.7362% | 2,920 |
| Loan and lease loss provision to assets | 0.2050% | 802 |
| Net operating income to assets | 1.6420% | 775 |
| Return on assets (ROA) | 1.6420% | 778 |
| Pretax return on assets | 1.6420% | 1,266 |
| Return on Equity (ROE) | 14.5608% | 886 |
| Retained earnings to average equity (ytd only) | 14.5608% | 356 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6992% | 4,105 |
| Assets per employee ($millions) | 8.2112% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 3,109 |
| Loan loss allowance to noncurrent loans | 769.3380% | 745 |
| Noncurrent assets plus other real estate owned to assets | 2.4134% | 396 |
| Noncurrent loans to loans | 0.1491% | 4,309 |
| Net loans and leases to total assets | 79.9042% | 947 |
| Net loans and leases to deposits | 99.5224% | 745 |
| Net loans and leases to core deposits | 115.5932% | 743 |
| Total domestic deposits to total assets | 80.2876% | 4,368 |
| Equity capital to assets | 10.9145% | 2,665 |
| Core capital (leverage) ratio | 11.5263% | 1,991 |
| Tier 1 risk-based capital ratio | 12.1952% | 4,436 |
| Total risk-based capital ratio | 13.2899% | 4,412 |
| Memoranda: | ||
| Average total assets | $226,303,000 | 2,695 |
| Average earning assets | $215,068,500 | 2,647 |
| Average equity | $25,520,500 | 2,653 |
| Average total loans | $190,356,000 | 2,270 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 321 |
| Cost of funding earning assets | 0.8294% | 531 |
| Net interest margin | 4.5417% | 561 |
| Noninterest income to average assets | 0.2341% | 4,733 |
| Noninterest expense to average assets | 3.0691% | 1,957 |
| Loan and lease loss provision to assets | 0.1347% | 1,705 |
| Net operating income to assets | 1.3125% | 1,197 |
| Return on assets (ROA) | 1.3125% | 1,214 |
| Pretax return on assets | 1.3130% | 2,299 |
| Return on Equity (ROE) | 14.0134% | 755 |
| Retained earnings to average equity (ytd only) | 14.0134% | 107 |
| Net charge-offs to loans | -0.0227% | 4,990 |
| Credit loss provision to net charge-offs | -700.0000% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9484% | 2,909 |
| Assets per employee ($millions) | 7.4132% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 4,681 |
| Loan loss allowance to noncurrent loans | 537.8378% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 2.6774% | 326 |
| Noncurrent loans to loans | 0.1573% | 4,302 |
| Net loans and leases to total assets | 86.8170% | 203 |
| Net loans and leases to deposits | 110.7215% | 250 |
| Net loans and leases to core deposits | 128.0187% | 386 |
| Total domestic deposits to total assets | 78.4103% | 4,652 |
| Equity capital to assets | 11.8852% | 1,919 |
| Core capital (leverage) ratio | 12.3393% | 1,428 |
| Tier 1 risk-based capital ratio | 12.3856% | 4,271 |
| Total risk-based capital ratio | 13.2179% | 4,439 |
| Memoranda: | ||
| Average total assets | $181,944,200 | 3,092 |
| Average earning assets | $171,567,000 | 3,052 |
| Average equity | $17,040,800 | 3,480 |
| Average total loans | $154,051,800 | 2,610 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2280% | 398 |
| Cost of funding earning assets | 0.8058% | 559 |
| Net interest margin | 4.4222% | 698 |
| Noninterest income to average assets | 0.2702% | 4,575 |
| Noninterest expense to average assets | 3.0553% | 1,936 |
| Loan and lease loss provision to assets | 0.1228% | 1,764 |
| Net operating income to assets | 1.2497% | 1,512 |
| Return on assets (ROA) | 1.2497% | 1,536 |
| Pretax return on assets | 1.2505% | 2,704 |
| Return on Equity (ROE) | 14.5549% | 727 |
| Retained earnings to average equity (ytd only) | 14.5549% | 135 |
| Net charge-offs to loans | -0.0321% | 5,018 |
| Credit loss provision to net charge-offs | -457.1429% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9894% | 2,711 |
| Assets per employee ($millions) | 7.1202% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 4,499 |
| Loan loss allowance to noncurrent loans | 489.2857% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 3.0003% | 298 |
| Noncurrent loans to loans | 0.1866% | 4,324 |
| Net loans and leases to total assets | 85.0587% | 331 |
| Net loans and leases to deposits | 98.7005% | 846 |
| Net loans and leases to core deposits | 114.3638% | 819 |
| Total domestic deposits to total assets | 86.1786% | 2,240 |
| Equity capital to assets | 8.2082% | 5,434 |
| Core capital (leverage) ratio | 8.5903% | 5,176 |
| Tier 1 risk-based capital ratio | 8.6627% | 5,708 |
| Total risk-based capital ratio | 9.5389% | 5,710 |
| Memoranda: | ||
| Average total assets | $173,684,750 | 3,221 |
| Average earning assets | $163,321,750 | 3,189 |
| Average equity | $14,913,250 | 3,760 |
| Average total loans | $145,506,500 | 2,723 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 533 |
| Cost of funding earning assets | 0.7885% | 554 |
| Net interest margin | 4.2466% | 980 |
| Noninterest income to average assets | 0.3272% | 4,209 |
| Noninterest expense to average assets | 3.0424% | 2,000 |
| Loan and lease loss provision to assets | 0.0716% | 2,538 |
| Net operating income to assets | 1.1988% | 1,600 |
| Return on assets (ROA) | 1.1988% | 1,634 |
| Pretax return on assets | 1.2000% | 2,772 |
| Return on Equity (ROE) | 13.7305% | 864 |
| Retained earnings to average equity (ytd only) | 13.7305% | 200 |
| Net charge-offs to loans | -0.0504% | 5,178 |
| Credit loss provision to net charge-offs | -171.4286% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5231% | 2,580 |
| Assets per employee ($millions) | 6.1087% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 4,490 |
| Loan loss allowance to noncurrent loans | 443.8486% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 3.2610% | 261 |
| Noncurrent loans to loans | 0.2107% | 4,276 |
| Net loans and leases to total assets | 84.1154% | 433 |
| Net loans and leases to deposits | 98.4559% | 850 |
| Net loans and leases to core deposits | 115.1533% | 748 |
| Total domestic deposits to total assets | 85.4346% | 2,635 |
| Equity capital to assets | 8.5491% | 5,272 |
| Core capital (leverage) ratio | 8.7310% | 5,024 |
| Tier 1 risk-based capital ratio | 9.2269% | 5,729 |
| Total risk-based capital ratio | 10.1384% | 5,745 |
| Memoranda: | ||
| Average total assets | $167,497,670 | 3,315 |
| Average earning assets | $157,256,000 | 3,279 |
| Average equity | $14,624,330 | 3,807 |
| Average total loans | $138,999,000 | 2,818 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9011% | 631 |
| Cost of funding earning assets | 0.7560% | 631 |
| Net interest margin | 4.1450% | 1,111 |
| Noninterest income to average assets | 0.4549% | 3,284 |
| Noninterest expense to average assets | 3.0786% | 1,922 |
| Loan and lease loss provision to assets | 0.0738% | 2,329 |
| Net operating income to assets | 1.1828% | 1,543 |
| Return on assets (ROA) | 1.1828% | 1,589 |
| Pretax return on assets | 1.1852% | 2,653 |
| Return on Equity (ROE) | 13.3946% | 924 |
| Retained earnings to average equity (ytd only) | 13.3946% | 341 |
| Net charge-offs to loans | -0.1050% | 5,458 |
| Credit loss provision to net charge-offs | -85.7143% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9751% | 2,743 |
| Assets per employee ($millions) | 6.6569% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 4,334 |
| Loan loss allowance to noncurrent loans | 423.6923% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 3.4761% | 244 |
| Noncurrent loans to loans | 0.2344% | 4,273 |
| Net loans and leases to total assets | 82.4856% | 516 |
| Net loans and leases to deposits | 97.2402% | 830 |
| Net loans and leases to core deposits | 112.5436% | 746 |
| Total domestic deposits to total assets | 84.8266% | 3,155 |
| Equity capital to assets | 8.7788% | 5,015 |
| Core capital (leverage) ratio | 9.2563% | 4,405 |
| Tier 1 risk-based capital ratio | 9.4219% | 5,781 |
| Total risk-based capital ratio | 10.3673% | 5,799 |
| Memoranda: | ||
| Average total assets | $162,670,000 | 3,395 |
| Average earning assets | $152,375,000 | 3,373 |
| Average equity | $14,364,000 | 3,865 |
| Average total loans | $133,288,500 | 2,916 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 1,473 |
| Cost of funding earning assets | 0.6398% | 1,110 |
| Net interest margin | 3.8814% | 2,025 |
| Noninterest income to average assets | 0.3988% | 3,893 |
| Noninterest expense to average assets | 3.9650% | 634 |
| Loan and lease loss provision to assets | -0.1933% | 5,781 |
| Net operating income to assets | 0.2270% | 5,363 |
| Return on assets (ROA) | 0.2270% | 5,428 |
| Pretax return on assets | 0.2277% | 5,462 |
| Return on Equity (ROE) | 2.2767% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.2767% | 4,230 |
| Net charge-offs to loans | -0.1303% | 5,652 |
| Credit loss provision to net charge-offs | 191.4894% | 1,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1407% | 235 |
| Assets per employee ($millions) | 6.6215% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 4,162 |
| Loan loss allowance to noncurrent loans | 190.9753% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 3.8681% | 205 |
| Noncurrent loans to loans | 0.5370% | 3,241 |
| Net loans and leases to total assets | 79.6724% | 940 |
| Net loans and leases to deposits | 94.3824% | 1,161 |
| Net loans and leases to core deposits | 107.8824% | 1,027 |
| Total domestic deposits to total assets | 84.4145% | 3,264 |
| Equity capital to assets | 8.8839% | 4,931 |
| Core capital (leverage) ratio | 8.7655% | 5,008 |
| Tier 1 risk-based capital ratio | 9.6496% | 5,801 |
| Total risk-based capital ratio | 10.6071% | 5,831 |
| Memoranda: | ||
| Average total assets | $139,670,400 | 3,677 |
| Average earning assets | $129,566,800 | 3,653 |
| Average equity | $13,923,600 | 3,950 |
| Average total loans | $108,199,000 | 3,234 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 1,452 |
| Cost of funding earning assets | 0.5721% | 1,533 |
| Net interest margin | 3.9568% | 1,789 |
| Noninterest income to average assets | 0.4152% | 3,816 |
| Noninterest expense to average assets | 4.1623% | 501 |
| Loan and lease loss provision to assets | -0.2669% | 5,894 |
| Net operating income to assets | 0.1839% | 5,491 |
| Return on assets (ROA) | 0.1839% | 5,556 |
| Pretax return on assets | 0.1849% | 5,583 |
| Return on Equity (ROE) | 1.7873% | 5,512 |
| Retained earnings to average equity (ytd only) | 1.7873% | 4,793 |
| Net charge-offs to loans | -0.4083% | 5,870 |
| Credit loss provision to net charge-offs | 85.4430% | 2,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0111% | 194 |
| Assets per employee ($millions) | 5.5200% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 3,593 |
| Loan loss allowance to noncurrent loans | 187.4286% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 4.1331% | 196 |
| Noncurrent loans to loans | 0.6098% | 3,190 |
| Net loans and leases to total assets | 76.1472% | 1,502 |
| Net loans and leases to deposits | 91.3517% | 1,588 |
| Net loans and leases to core deposits | 99.0288% | 1,722 |
| Total domestic deposits to total assets | 83.3560% | 3,462 |
| Equity capital to assets | 9.3774% | 4,781 |
| Core capital (leverage) ratio | 9.9439% | 3,638 |
| Tier 1 risk-based capital ratio | 10.7462% | 5,500 |
| Total risk-based capital ratio | 11.8235% | 5,502 |
| Memoranda: | ||
| Average total assets | $134,858,750 | 3,776 |
| Average earning assets | $124,913,500 | 3,756 |
| Average equity | $13,875,000 | 3,989 |
| Average total loans | $103,180,000 | 3,340 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 1,563 |
| Cost of funding earning assets | 0.5448% | 1,738 |
| Net interest margin | 3.9400% | 1,840 |
| Noninterest income to average assets | 0.4518% | 3,511 |
| Noninterest expense to average assets | 4.2880% | 451 |
| Loan and lease loss provision to assets | -0.4150% | 6,007 |
| Net operating income to assets | 0.2229% | 5,487 |
| Return on assets (ROA) | 0.2229% | 5,546 |
| Pretax return on assets | 0.2244% | 5,588 |
| Return on Equity (ROE) | 2.0952% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.0952% | 4,522 |
| Net charge-offs to loans | -0.6364% | 5,965 |
| Credit loss provision to net charge-offs | 85.4430% | 2,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6512% | 181 |
| Assets per employee ($millions) | 4.9519% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 3,332 |
| Loan loss allowance to noncurrent loans | 185.0494% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 4.6141% | 168 |
| Noncurrent loans to loans | 0.6508% | 3,124 |
| Net loans and leases to total assets | 80.5011% | 827 |
| Net loans and leases to deposits | 98.5866% | 827 |
| Net loans and leases to core deposits | 106.8500% | 1,114 |
| Total domestic deposits to total assets | 81.6552% | 4,103 |
| Equity capital to assets | 10.4144% | 3,727 |
| Core capital (leverage) ratio | 10.8557% | 2,586 |
| Tier 1 risk-based capital ratio | 11.2005% | 5,315 |
| Total risk-based capital ratio | 12.3275% | 5,296 |
| Memoranda: | ||
| Average total assets | $130,132,000 | 3,881 |
| Average earning assets | $120,405,670 | 3,868 |
| Average equity | $13,841,330 | 4,011 |
| Average total loans | $99,306,330 | 3,420 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,403 |
| Cost of funding earning assets | 0.5281% | 1,883 |
| Net interest margin | 4.0091% | 1,585 |
| Noninterest income to average assets | 0.4644% | 3,384 |
| Noninterest expense to average assets | 4.3507% | 436 |
| Loan and lease loss provision to assets | -0.4051% | 6,071 |
| Net operating income to assets | 0.2337% | 5,470 |
| Return on assets (ROA) | 0.2337% | 5,532 |
| Pretax return on assets | 0.2337% | 5,602 |
| Return on Equity (ROE) | 2.1739% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.1739% | 4,389 |
| Net charge-offs to loans | -0.5969% | 6,008 |
| Credit loss provision to net charge-offs | 92.1986% | 1,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1014% | 212 |
| Assets per employee ($millions) | 5.0230% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 3,004 |
| Loan loss allowance to noncurrent loans | 577.8281% | 898 |
| Noncurrent assets plus other real estate owned to assets | 4.3500% | 214 |
| Noncurrent loans to loans | 0.2216% | 4,636 |
| Net loans and leases to total assets | 75.3922% | 1,491 |
| Net loans and leases to deposits | 92.8246% | 1,248 |
| Net loans and leases to core deposits | 99.7437% | 1,502 |
| Total domestic deposits to total assets | 81.2201% | 4,423 |
| Equity capital to assets | 10.5998% | 3,374 |
| Core capital (leverage) ratio | 10.9663% | 2,434 |
| Tier 1 risk-based capital ratio | 12.1595% | 4,806 |
| Total risk-based capital ratio | 13.3594% | 4,747 |
| Memoranda: | ||
| Average total assets | $128,348,000 | 3,940 |
| Average earning assets | $118,928,000 | 3,929 |
| Average equity | $13,800,000 | 4,029 |
| Average total loans | $94,488,500 | 3,523 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 2,058 |
| Cost of funding earning assets | 0.4693% | 2,444 |
| Net interest margin | 3.8817% | 2,091 |
| Noninterest income to average assets | 0.5732% | 2,878 |
| Noninterest expense to average assets | 4.7648% | 337 |
| Loan and lease loss provision to assets | -0.0823% | 5,819 |
| Net operating income to assets | -0.5670% | 6,057 |
| Return on assets (ROA) | -0.5670% | 6,059 |
| Pretax return on assets | -0.5661% | 6,053 |
| Return on Equity (ROE) | -4.6407% | 6,043 |
| Retained earnings to average equity (ytd only) | -4.6407% | 5,902 |
| Net charge-offs to loans | 0.0766% | 2,732 |
| Credit loss provision to net charge-offs | -148.3871% | 5,227 |
| Earnings coverage of net charge-offs (x) | -11.6935% | 4,425 |
| Efficiency ratio | 115.7506% | 108 |
| Assets per employee ($millions) | 4.6703% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 2,331 |
| Loan loss allowance to noncurrent loans | 572.8507% | 958 |
| Noncurrent assets plus other real estate owned to assets | 4.5052% | 212 |
| Noncurrent loans to loans | 0.2476% | 4,543 |
| Net loans and leases to total assets | 69.7658% | 2,402 |
| Net loans and leases to deposits | 86.3235% | 2,090 |
| Net loans and leases to core deposits | 91.9739% | 2,226 |
| Total domestic deposits to total assets | 80.8190% | 4,540 |
| Equity capital to assets | 10.9097% | 2,920 |
| Core capital (leverage) ratio | 10.9521% | 2,449 |
| Tier 1 risk-based capital ratio | 13.7786% | 3,839 |
| Total risk-based capital ratio | 15.0296% | 3,766 |
| Memoranda: | ||
| Average total assets | $111,820,400 | 4,227 |
| Average earning assets | $102,069,600 | 4,240 |
| Average equity | $13,661,800 | 4,020 |
| Average total loans | $80,922,600 | 3,796 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 2,027 |
| Cost of funding earning assets | 0.4445% | 2,741 |
| Net interest margin | 3.9219% | 1,960 |
| Noninterest income to average assets | 0.5924% | 2,788 |
| Noninterest expense to average assets | 4.7838% | 340 |
| Loan and lease loss provision to assets | -0.1133% | 6,019 |
| Net operating income to assets | -0.5148% | 6,140 |
| Return on assets (ROA) | -0.5148% | 6,144 |
| Pretax return on assets | -0.5136% | 6,138 |
| Return on Equity (ROE) | -4.0865% | 6,126 |
| Retained earnings to average equity (ytd only) | -4.0865% | 5,996 |
| Net charge-offs to loans | -0.2959% | 6,081 |
| Credit loss provision to net charge-offs | 52.5714% | 3,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0815% | 117 |
| Assets per employee ($millions) | 4.5452% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 1,514 |
| Loan loss allowance to noncurrent loans | 328.1659% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 5.0078% | 198 |
| Noncurrent loans to loans | 0.5131% | 3,814 |
| Net loans and leases to total assets | 74.2661% | 1,690 |
| Net loans and leases to deposits | 88.8327% | 1,790 |
| Net loans and leases to core deposits | 93.2548% | 2,151 |
| Total domestic deposits to total assets | 83.6023% | 3,569 |
| Equity capital to assets | 11.8096% | 2,256 |
| Core capital (leverage) ratio | 9.6469% | 4,111 |
| Tier 1 risk-based capital ratio | 11.2512% | 5,521 |
| Total risk-based capital ratio | 12.5050% | 5,417 |
| Memoranda: | ||
| Average total assets | $108,250,750 | 4,337 |
| Average earning assets | $98,385,250 | 4,376 |
| Average equity | $13,638,000 | 4,075 |
| Average total loans | $78,843,250 | 3,899 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 2,288 |
| Cost of funding earning assets | 0.4252% | 2,981 |
| Net interest margin | 3.8439% | 2,159 |
| Noninterest income to average assets | 0.6384% | 2,535 |
| Noninterest expense to average assets | 5.0618% | 279 |
| Loan and lease loss provision to assets | -0.0667% | 6,049 |
| Net operating income to assets | -0.8786% | 6,251 |
| Return on assets (ROA) | -0.8786% | 6,253 |
| Pretax return on assets | -0.8767% | 6,243 |
| Return on Equity (ROE) | -6.8135% | 6,218 |
| Retained earnings to average equity (ytd only) | -6.8135% | 6,081 |
| Net charge-offs to loans | -0.0902% | 5,750 |
| Credit loss provision to net charge-offs | 102.9412% | 2,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9061% | 98 |
| Assets per employee ($millions) | 4.6839% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 1,640 |
| Loan loss allowance to noncurrent loans | 90.0952% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 6.2582% | 147 |
| Noncurrent loans to loans | 1.8703% | 1,349 |
| Net loans and leases to total assets | 73.6481% | 1,718 |
| Net loans and leases to deposits | 88.9058% | 1,735 |
| Net loans and leases to core deposits | 92.7017% | 2,090 |
| Total domestic deposits to total assets | 82.8383% | 4,009 |
| Equity capital to assets | 12.3642% | 1,757 |
| Core capital (leverage) ratio | 10.2082% | 3,328 |
| Tier 1 risk-based capital ratio | 11.7201% | 5,325 |
| Total risk-based capital ratio | 12.9737% | 5,241 |
| Memoranda: | ||
| Average total assets | $104,942,670 | 4,445 |
| Average earning assets | $95,006,670 | 4,490 |
| Average equity | $13,532,000 | 4,117 |
| Average total loans | $75,368,670 | 4,020 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 2,156 |
| Cost of funding earning assets | 0.3980% | 3,327 |
| Net interest margin | 3.8840% | 1,952 |
| Noninterest income to average assets | 0.3399% | 4,475 |
| Noninterest expense to average assets | 4.9482% | 304 |
| Loan and lease loss provision to assets | -0.1383% | 6,229 |
| Net operating income to assets | -0.9604% | 6,316 |
| Return on assets (ROA) | -0.9604% | 6,320 |
| Pretax return on assets | -0.9604% | 6,308 |
| Return on Equity (ROE) | -7.2817% | 6,296 |
| Retained earnings to average equity (ytd only) | -7.2817% | 6,049 |
| Net charge-offs to loans | -0.1804% | 6,027 |
| Credit loss provision to net charge-offs | 109.3750% | 1,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.5421% | 88 |
| Assets per employee ($millions) | 3.8734% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 1,348 |
| Loan loss allowance to noncurrent loans | 88.6733% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 6.5078% | 147 |
| Noncurrent loans to loans | 2.1065% | 1,223 |
| Net loans and leases to total assets | 68.6404% | 2,342 |
| Net loans and leases to deposits | 83.6412% | 2,124 |
| Net loans and leases to core deposits | 87.3776% | 2,391 |
| Total domestic deposits to total assets | 82.0654% | 4,493 |
| Equity capital to assets | 13.0026% | 1,405 |
| Core capital (leverage) ratio | 11.2291% | 2,207 |
| Tier 1 risk-based capital ratio | 13.1515% | 4,529 |
| Total risk-based capital ratio | 14.4072% | 4,431 |
| Memoranda: | ||
| Average total assets | $101,207,500 | 4,573 |
| Average earning assets | $91,452,000 | 4,607 |
| Average equity | $13,348,500 | 4,181 |
| Average total loans | $70,948,500 | 4,160 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6005% | 1,555 |
| Cost of funding earning assets | 0.3160% | 4,624 |
| Net interest margin | 4.2845% | 1,084 |
| Noninterest income to average assets | 0.3927% | 4,244 |
| Noninterest expense to average assets | 5.4731% | 234 |
| Loan and lease loss provision to assets | -0.0538% | 6,051 |
| Net operating income to assets | -1.2506% | 6,406 |
| Return on assets (ROA) | -1.2506% | 6,408 |
| Pretax return on assets | -1.2484% | 6,400 |
| Return on Equity (ROE) | -10.1566% | 6,367 |
| Retained earnings to average equity (ytd only) | -10.1566% | 6,319 |
| Net charge-offs to loans | 0.2976% | 1,480 |
| Credit loss provision to net charge-offs | -28.1609% | 5,371 |
| Earnings coverage of net charge-offs (x) | -6.8218% | 4,903 |
| Efficiency ratio | 131.2204% | 87 |
| Assets per employee ($millions) | 3.6138% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1503% | 882 |
| Loan loss allowance to noncurrent loans | 66.0465% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 8.0992% | 116 |
| Noncurrent loans to loans | 3.2558% | 664 |
| Net loans and leases to total assets | 68.7697% | 2,447 |
| Net loans and leases to deposits | 79.9941% | 2,714 |
| Net loans and leases to core deposits | 83.6691% | 2,933 |
| Total domestic deposits to total assets | 85.9685% | 2,858 |
| Equity capital to assets | 13.4046% | 1,193 |
| Core capital (leverage) ratio | 12.9267% | 1,167 |
| Tier 1 risk-based capital ratio | 17.1554% | 2,452 |
| Total risk-based capital ratio | 18.4140% | 2,398 |
| Memoranda: | ||
| Average total assets | $91,155,200 | 4,810 |
| Average earning assets | $80,383,000 | 4,883 |
| Average equity | $11,224,200 | 4,518 |
| Average total loans | $58,474,000 | 4,534 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 2,263 |
| Cost of funding earning assets | 0.3076% | 4,811 |
| Net interest margin | 4.0801% | 1,638 |
| Noninterest income to average assets | 0.4275% | 4,042 |
| Noninterest expense to average assets | 5.3271% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.3251% | 6,495 |
| Return on assets (ROA) | -1.3251% | 6,489 |
| Pretax return on assets | -1.3222% | 6,479 |
| Return on Equity (ROE) | -11.0154% | 6,455 |
| Retained earnings to average equity (ytd only) | -11.0154% | 6,394 |
| Net charge-offs to loans | 0.5278% | 723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -4.0045% | 4,599 |
| Efficiency ratio | 133.0144% | 86 |
| Assets per employee ($millions) | 4.0014% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4108% | 724 |
| Loan loss allowance to noncurrent loans | 65.4822% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 7.5314% | 151 |
| Noncurrent loans to loans | 3.6816% | 625 |
| Net loans and leases to total assets | 57.4219% | 4,150 |
| Net loans and leases to deposits | 66.1683% | 4,309 |
| Net loans and leases to core deposits | 68.5703% | 4,454 |
| Total domestic deposits to total assets | 86.7816% | 2,426 |
| Equity capital to assets | 12.8185% | 1,513 |
| Core capital (leverage) ratio | 13.6374% | 951 |
| Tier 1 risk-based capital ratio | 19.3120% | 1,822 |
| Total risk-based capital ratio | 20.5741% | 1,794 |
| Memoranda: | ||
| Average total assets | $90,454,000 | 4,879 |
| Average earning assets | $79,309,500 | 4,957 |
| Average equity | $10,881,500 | 4,618 |
| Average total loans | $56,583,500 | 4,642 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,388 |
| Cost of funding earning assets | 0.3101% | 4,877 |
| Net interest margin | 4.3436% | 948 |
| Noninterest income to average assets | 0.4538% | 3,840 |
| Noninterest expense to average assets | 5.4847% | 235 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.2468% | 6,555 |
| Return on assets (ROA) | -1.2468% | 6,553 |
| Pretax return on assets | -1.2423% | 6,540 |
| Return on Equity (ROE) | -10.6309% | 6,519 |
| Retained earnings to average equity (ytd only) | -10.6309% | 6,432 |
| Net charge-offs to loans | 0.1111% | 2,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -17.4839% | 4,332 |
| Efficiency ratio | 129.2815% | 102 |
| Assets per employee ($millions) | 3.4064% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0165% | 377 |
| Loan loss allowance to noncurrent loans | 53.9853% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 8.9862% | 117 |
| Noncurrent loans to loans | 5.5877% | 312 |
| Net loans and leases to total assets | 56.3496% | 4,234 |
| Net loans and leases to deposits | 66.0418% | 4,265 |
| Net loans and leases to core deposits | 68.1728% | 4,447 |
| Total domestic deposits to total assets | 85.3241% | 3,348 |
| Equity capital to assets | 14.3280% | 864 |
| Core capital (leverage) ratio | 14.4361% | 719 |
| Tier 1 risk-based capital ratio | 22.1930% | 1,231 |
| Total risk-based capital ratio | 23.4612% | 1,209 |
| Memoranda: | ||
| Average total assets | $87,260,330 | 4,992 |
| Average earning assets | $76,111,330 | 5,069 |
| Average equity | $10,234,330 | 4,756 |
| Average total loans | $55,824,330 | 4,698 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 2,582 |
| Cost of funding earning assets | 0.3098% | 4,968 |
| Net interest margin | 3.9726% | 1,847 |
| Noninterest income to average assets | 0.5041% | 3,378 |
| Noninterest expense to average assets | 5.8937% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.9504% | 6,660 |
| Return on assets (ROA) | -1.9504% | 6,657 |
| Pretax return on assets | -1.9457% | 6,643 |
| Return on Equity (ROE) | -18.8987% | 6,622 |
| Retained earnings to average equity (ytd only) | -18.8987% | 6,516 |
| Net charge-offs to loans | 0.0421% | 2,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -68.8333% | 3,644 |
| Efficiency ratio | 149.2840% | 66 |
| Assets per employee ($millions) | 3.6889% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8306% | 520 |
| Loan loss allowance to noncurrent loans | 48.6342% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 9.3762% | 126 |
| Noncurrent loans to loans | 5.8202% | 325 |
| Net loans and leases to total assets | 60.9707% | 3,404 |
| Net loans and leases to deposits | 71.5091% | 3,408 |
| Net loans and leases to core deposits | 73.8117% | 3,668 |
| Total domestic deposits to total assets | 85.2629% | 3,735 |
| Equity capital to assets | 14.4302% | 805 |
| Core capital (leverage) ratio | 16.1272% | 465 |
| Tier 1 risk-based capital ratio | 20.8403% | 1,503 |
| Total risk-based capital ratio | 22.1072% | 1,474 |
| Memoranda: | ||
| Average total assets | $84,903,500 | 5,092 |
| Average earning assets | $73,603,500 | 5,188 |
| Average equity | $8,762,500 | 5,111 |
| Average total loans | $57,017,000 | 4,683 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 584 |
| Cost of funding earning assets | 0.3457% | 5,188 |
| Net interest margin | 4.8977% | 365 |
| Noninterest income to average assets | 0.4837% | 3,865 |
| Noninterest expense to average assets | 5.6726% | 230 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.9964% | 6,609 |
| Return on assets (ROA) | -0.9964% | 6,607 |
| Pretax return on assets | -0.9952% | 6,592 |
| Return on Equity (ROE) | -17.9159% | 6,671 |
| Retained earnings to average equity (ytd only) | -17.9159% | 6,649 |
| Net charge-offs to loans | 0.4962% | 1,336 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -2.7659% | 5,345 |
| Efficiency ratio | 121.2760% | 169 |
| Assets per employee ($millions) | 2.8735% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9252% | 515 |
| Loan loss allowance to noncurrent loans | 64.4314% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 10.2302% | 122 |
| Noncurrent loans to loans | 4.5400% | 582 |
| Net loans and leases to total assets | 70.2774% | 1,968 |
| Net loans and leases to deposits | 74.6138% | 3,173 |
| Net loans and leases to core deposits | 77.1999% | 3,466 |
| Total domestic deposits to total assets | 94.1882% | 76 |
| Equity capital to assets | 5.4354% | 6,661 |
| Core capital (leverage) ratio | 5.0286% | 6,712 |
| Tier 1 risk-based capital ratio | 6.7472% | 6,740 |
| Total risk-based capital ratio | 8.0144% | 6,740 |
| Memoranda: | ||
| Average total assets | $83,101,200 | 5,161 |
| Average earning assets | $71,155,200 | 5,276 |
| Average equity | $4,621,600 | 6,165 |
| Average total loans | $60,263,200 | 4,603 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1149% | 755 |
| Cost of funding earning assets | 0.3443% | 5,350 |
| Net interest margin | 4.7705% | 455 |
| Noninterest income to average assets | 0.4766% | 3,960 |
| Noninterest expense to average assets | 5.5349% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.9706% | 6,705 |
| Return on assets (ROA) | -0.9706% | 6,706 |
| Pretax return on assets | -0.9690% | 6,692 |
| Return on Equity (ROE) | -17.3623% | 6,757 |
| Retained earnings to average equity (ytd only) | -17.3623% | 6,735 |
| Net charge-offs to loans | 0.6592% | 922 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -2.0264% | 5,080 |
| Efficiency ratio | 121.2236% | 168 |
| Assets per employee ($millions) | 2.9514% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7821% | 683 |
| Loan loss allowance to noncurrent loans | 57.5088% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 9.9674% | 138 |
| Noncurrent loans to loans | 4.8376% | 641 |
| Net loans and leases to total assets | 69.3063% | 2,083 |
| Net loans and leases to deposits | 73.4640% | 3,320 |
| Net loans and leases to core deposits | 76.5972% | 3,553 |
| Total domestic deposits to total assets | 94.3404% | 56 |
| Equity capital to assets | 5.3607% | 6,746 |
| Core capital (leverage) ratio | 5.4452% | 6,762 |
| Tier 1 risk-based capital ratio | 6.9467% | 6,807 |
| Total risk-based capital ratio | 8.2130% | 6,806 |
| Memoranda: | ||
| Average total assets | $84,480,500 | 5,177 |
| Average earning assets | $72,414,750 | 5,294 |
| Average equity | $4,722,750 | 6,218 |
| Average total loans | $61,287,250 | 4,610 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 902 |
| Cost of funding earning assets | 0.3498% | 5,408 |
| Net interest margin | 4.6549% | 550 |
| Noninterest income to average assets | 0.4983% | 3,853 |
| Noninterest expense to average assets | 5.5092% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.0412% | 6,762 |
| Return on assets (ROA) | -1.0412% | 6,766 |
| Pretax return on assets | -1.0388% | 6,743 |
| Return on Equity (ROE) | -18.3805% | 6,816 |
| Retained earnings to average equity (ytd only) | -18.3805% | 6,789 |
| Net charge-offs to loans | 0.1869% | 2,627 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -7.6207% | 4,848 |
| Efficiency ratio | 123.2387% | 162 |
| Assets per employee ($millions) | 3.0143% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1539% | 499 |
| Loan loss allowance to noncurrent loans | 36.5754% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 12.9482% | 86 |
| Noncurrent loans to loans | 8.6231% | 217 |
| Net loans and leases to total assets | 71.0823% | 1,713 |
| Net loans and leases to deposits | 75.6608% | 2,926 |
| Net loans and leases to core deposits | 78.9462% | 3,174 |
| Total domestic deposits to total assets | 93.9486% | 63 |
| Equity capital to assets | 5.6545% | 6,772 |
| Core capital (leverage) ratio | 5.4432% | 6,800 |
| Tier 1 risk-based capital ratio | 7.2324% | 6,832 |
| Total risk-based capital ratio | 8.5046% | 6,833 |
| Memoranda: | ||
| Average total assets | $85,094,330 | 5,187 |
| Average earning assets | $72,611,000 | 5,316 |
| Average equity | $4,820,330 | 6,233 |
| Average total loans | $62,078,670 | 4,601 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 979 |
| Cost of funding earning assets | 0.3656% | 5,410 |
| Net interest margin | 4.5830% | 576 |
| Noninterest income to average assets | 0.4370% | 4,206 |
| Noninterest expense to average assets | 5.3641% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.0627% | 6,826 |
| Return on assets (ROA) | -1.0627% | 6,835 |
| Pretax return on assets | -1.0627% | 6,818 |
| Return on Equity (ROE) | -18.7443% | 6,891 |
| Retained earnings to average equity (ytd only) | -18.7443% | 6,818 |
| Net charge-offs to loans | 0.3794% | 1,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -3.8500% | 4,056 |
| Efficiency ratio | 124.7059% | 184 |
| Assets per employee ($millions) | 3.1757% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0227% | 647 |
| Loan loss allowance to noncurrent loans | 36.1367% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 13.2674% | 107 |
| Noncurrent loans to loans | 8.3647% | 303 |
| Net loans and leases to total assets | 70.4189% | 1,592 |
| Net loans and leases to deposits | 74.8862% | 2,789 |
| Net loans and leases to core deposits | 77.9680% | 3,068 |
| Total domestic deposits to total assets | 94.0346% | 73 |
| Equity capital to assets | 5.6144% | 6,853 |
| Core capital (leverage) ratio | 5.6124% | 6,834 |
| Tier 1 risk-based capital ratio | 7.2433% | 6,887 |
| Total risk-based capital ratio | 8.5140% | 6,888 |
| Memoranda: | ||
| Average total assets | $86,948,500 | 5,173 |
| Average earning assets | $73,314,000 | 5,338 |
| Average equity | $4,929,500 | 6,271 |
| Average total loans | $63,250,500 | 4,589 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4376% | 701 |
| Cost of funding earning assets | 0.4694% | 5,425 |
| Net interest margin | 4.9682% | 405 |
| Noninterest income to average assets | 0.4614% | 4,165 |
| Noninterest expense to average assets | 6.3717% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -1.6451% | 6,889 |
| Return on assets (ROA) | -1.6451% | 6,901 |
| Pretax return on assets | -1.6441% | 6,884 |
| Return on Equity (ROE) | -28.0736% | 6,945 |
| Retained earnings to average equity (ytd only) | -28.0736% | 6,921 |
| Net charge-offs to loans | 1.0579% | 1,012 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -2.0979% | 5,837 |
| Efficiency ratio | 134.7760% | 135 |
| Assets per employee ($millions) | 3.3905% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0231% | 648 |
| Loan loss allowance to noncurrent loans | 31.3985% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 14.0131% | 94 |
| Noncurrent loans to loans | 9.6281% | 257 |
| Net loans and leases to total assets | 70.6692% | 1,710 |
| Net loans and leases to deposits | 75.4283% | 2,892 |
| Net loans and leases to core deposits | 78.6509% | 3,174 |
| Total domestic deposits to total assets | 93.6905% | 80 |
| Equity capital to assets | 5.7230% | 6,907 |
| Core capital (leverage) ratio | 5.5564% | 6,890 |
| Tier 1 risk-based capital ratio | 7.3325% | 6,937 |
| Total risk-based capital ratio | 8.5978% | 6,937 |
| Memoranda: | ||
| Average total assets | $97,745,400 | 4,897 |
| Average earning assets | $83,934,200 | 5,017 |
| Average equity | $5,727,800 | 6,091 |
| Average total loans | $72,405,000 | 4,259 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3001% | 1,016 |
| Cost of funding earning assets | 0.4888% | 5,513 |
| Net interest margin | 4.8113% | 552 |
| Noninterest income to average assets | 0.4673% | 4,160 |
| Noninterest expense to average assets | 6.6356% | 163 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -2.0024% | 7,035 |
| Return on assets (ROA) | -2.0024% | 7,047 |
| Pretax return on assets | -2.0011% | 7,032 |
| Return on Equity (ROE) | -33.9964% | 7,080 |
| Retained earnings to average equity (ytd only) | -33.9964% | 7,072 |
| Net charge-offs to loans | 1.4023% | 643 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -1.9195% | 5,645 |
| Efficiency ratio | 143.1772% | 107 |
| Assets per employee ($millions) | 3.5518% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7818% | 900 |
| Loan loss allowance to noncurrent loans | 15.8606% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 19.8428% | 37 |
| Noncurrent loans to loans | 17.5393% | 65 |
| Net loans and leases to total assets | 72.8499% | 1,417 |
| Net loans and leases to deposits | 77.4591% | 2,733 |
| Net loans and leases to core deposits | 80.3521% | 3,158 |
| Total domestic deposits to total assets | 94.0496% | 69 |
| Equity capital to assets | 5.5769% | 7,014 |
| Core capital (leverage) ratio | 5.3465% | 6,992 |
| Tier 1 risk-based capital ratio | 7.0843% | 7,043 |
| Total risk-based capital ratio | 8.3533% | 7,043 |
| Memoranda: | ||
| Average total assets | $100,143,500 | 4,873 |
| Average earning assets | $86,737,750 | 4,992 |
| Average equity | $5,898,500 | 6,115 |
| Average total loans | $74,446,500 | 4,245 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4480% | 799 |
| Cost of funding earning assets | 0.5119% | 5,542 |
| Net interest margin | 4.9361% | 438 |
| Noninterest income to average assets | -0.0993% | 7,090 |
| Noninterest expense to average assets | 6.2155% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -2.0556% | 7,074 |
| Return on assets (ROA) | -2.0556% | 7,083 |
| Pretax return on assets | -2.0537% | 7,072 |
| Return on Equity (ROE) | -34.3526% | 7,128 |
| Retained earnings to average equity (ytd only) | -34.3526% | 7,121 |
| Net charge-offs to loans | 1.0079% | 1,099 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -2.7474% | 5,405 |
| Efficiency ratio | 149.3452% | 104 |
| Assets per employee ($millions) | 3.6600% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1499% | 675 |
| Loan loss allowance to noncurrent loans | 34.1063% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 14.5417% | 111 |
| Noncurrent loans to loans | 9.2354% | 316 |
| Net loans and leases to total assets | 72.3110% | 1,512 |
| Net loans and leases to deposits | 76.8950% | 2,854 |
| Net loans and leases to core deposits | 79.5700% | 3,274 |
| Total domestic deposits to total assets | 94.0386% | 77 |
| Equity capital to assets | 5.6649% | 7,051 |
| Core capital (leverage) ratio | 5.4152% | 7,038 |
| Tier 1 risk-based capital ratio | 7.1019% | 7,091 |
| Total risk-based capital ratio | 8.3737% | 7,090 |
| Memoranda: | ||
| Average total assets | $102,742,670 | 4,836 |
| Average earning assets | $88,693,330 | 4,974 |
| Average equity | $6,148,000 | 6,078 |
| Average total loans | $76,195,670 | 4,214 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0436% | 1,741 |
| Cost of funding earning assets | 0.5505% | 5,495 |
| Net interest margin | 4.4931% | 1,023 |
| Noninterest income to average assets | 0.4432% | 4,343 |
| Noninterest expense to average assets | 6.0742% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.7650% | 7,134 |
| Return on assets (ROA) | -1.7650% | 7,138 |
| Pretax return on assets | -1.7650% | 7,115 |
| Return on Equity (ROE) | -28.7716% | 7,161 |
| Retained earnings to average equity (ytd only) | -28.7716% | 7,123 |
| Net charge-offs to loans | 2.3875% | 354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 4,553 |
| Efficiency ratio | 140.9574% | 132 |
| Assets per employee ($millions) | 3.6013% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9714% | 858 |
| Loan loss allowance to noncurrent loans | 27.2374% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 16.5621% | 80 |
| Noncurrent loans to loans | 10.9091% | 254 |
| Net loans and leases to total assets | 70.2261% | 1,718 |
| Net loans and leases to deposits | 74.8709% | 2,990 |
| Net loans and leases to core deposits | 77.3421% | 3,421 |
| Total domestic deposits to total assets | 93.7963% | 100 |
| Equity capital to assets | 5.9289% | 7,081 |
| Core capital (leverage) ratio | 5.9086% | 7,048 |
| Tier 1 risk-based capital ratio | 7.5348% | 7,109 |
| Total risk-based capital ratio | 8.8034% | 7,110 |
| Memoranda: | ||
| Average total assets | $104,704,500 | 4,819 |
| Average earning assets | $90,094,500 | 4,962 |
| Average equity | $6,423,000 | 6,039 |
| Average total loans | $77,403,000 | 4,203 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 2,281 |
| Cost of funding earning assets | 0.8329% | 4,609 |
| Net interest margin | 4.3090% | 1,672 |
| Noninterest income to average assets | 0.6378% | 2,962 |
| Noninterest expense to average assets | 6.6215% | 164 |
| Loan and lease loss provision to assets | 1.6122% | 438 |
| Net operating income to assets | -3.7636% | 7,241 |
| Return on assets (ROA) | -3.7636% | 7,248 |
| Pretax return on assets | -3.7627% | 7,255 |
| Return on Equity (ROE) | -55.7935% | 7,229 |
| Retained earnings to average equity (ytd only) | -55.7935% | 7,228 |
| Net charge-offs to loans | 3.2559% | 262 |
| Credit loss provision to net charge-offs | 62.3297% | 5,109 |
| Earnings coverage of net charge-offs (x) | -0.8314% | 6,161 |
| Efficiency ratio | 148.0985% | 145 |
| Assets per employee ($millions) | 3.6197% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4184% | 567 |
| Loan loss allowance to noncurrent loans | 27.9204% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 17.9105% | 74 |
| Noncurrent loans to loans | 12.2434% | 209 |
| Net loans and leases to total assets | 72.8861% | 1,477 |
| Net loans and leases to deposits | 78.0754% | 2,832 |
| Net loans and leases to core deposits | 82.6090% | 3,088 |
| Total domestic deposits to total assets | 93.3535% | 121 |
| Equity capital to assets | 6.3388% | 7,057 |
| Core capital (leverage) ratio | 6.1750% | 7,038 |
| Tier 1 risk-based capital ratio | 7.8656% | 7,116 |
| Total risk-based capital ratio | 9.1405% | 7,115 |
| Memoranda: | ||
| Average total assets | $113,508,200 | 4,556 |
| Average earning assets | $100,975,600 | 4,612 |
| Average equity | $7,656,800 | 5,673 |
| Average total loans | $90,175,200 | 3,850 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 2,679 |
| Cost of funding earning assets | 0.8835% | 4,518 |
| Net interest margin | 4.2016% | 2,090 |
| Noninterest income to average assets | 0.6872% | 2,685 |
| Noninterest expense to average assets | 6.2306% | 183 |
| Loan and lease loss provision to assets | 2.1099% | 243 |
| Net operating income to assets | -3.8878% | 7,326 |
| Return on assets (ROA) | -3.8878% | 7,328 |
| Pretax return on assets | -3.8866% | 7,327 |
| Return on Equity (ROE) | -56.8560% | 7,310 |
| Retained earnings to average equity (ytd only) | -56.8560% | 7,307 |
| Net charge-offs to loans | 2.8140% | 353 |
| Credit loss provision to net charge-offs | 93.3197% | 3,650 |
| Earnings coverage of net charge-offs (x) | -0.7858% | 5,900 |
| Efficiency ratio | 139.8913% | 184 |
| Assets per employee ($millions) | 4.0295% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3398% | 302 |
| Loan loss allowance to noncurrent loans | 21.3520% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 19.4682% | 60 |
| Noncurrent loans to loans | 20.3250% | 50 |
| Net loans and leases to total assets | 71.9548% | 1,714 |
| Net loans and leases to deposits | 77.3540% | 3,108 |
| Net loans and leases to core deposits | 81.5262% | 3,403 |
| Total domestic deposits to total assets | 93.0202% | 133 |
| Equity capital to assets | 6.6953% | 7,106 |
| Core capital (leverage) ratio | 6.8046% | 7,007 |
| Tier 1 risk-based capital ratio | 8.9046% | 7,123 |
| Total risk-based capital ratio | 10.1935% | 7,119 |
| Memoranda: | ||
| Average total assets | $115,642,250 | 4,541 |
| Average earning assets | $103,672,000 | 4,583 |
| Average equity | $7,907,500 | 5,630 |
| Average total loans | $92,914,500 | 3,820 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 2,077 |
| Cost of funding earning assets | 0.9522% | 4,302 |
| Net interest margin | 4.2935% | 1,686 |
| Noninterest income to average assets | 0.6245% | 2,981 |
| Noninterest expense to average assets | 6.1331% | 186 |
| Loan and lease loss provision to assets | 3.1394% | 137 |
| Net operating income to assets | -4.8207% | 7,434 |
| Return on assets (ROA) | -4.8207% | 7,435 |
| Pretax return on assets | -4.8190% | 7,431 |
| Return on Equity (ROE) | -70.0283% | 7,400 |
| Retained earnings to average equity (ytd only) | -70.0283% | 7,397 |
| Net charge-offs to loans | 4.0692% | 200 |
| Credit loss provision to net charge-offs | 94.0874% | 3,339 |
| Earnings coverage of net charge-offs (x) | -0.5033% | 5,526 |
| Efficiency ratio | 137.7119% | 210 |
| Assets per employee ($millions) | 4.5065% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1510% | 373 |
| Loan loss allowance to noncurrent loans | 21.4971% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 19.4997% | 68 |
| Noncurrent loans to loans | 19.3096% | 70 |
| Net loans and leases to total assets | 75.8119% | 1,100 |
| Net loans and leases to deposits | 83.6307% | 2,164 |
| Net loans and leases to core deposits | 88.5043% | 2,567 |
| Total domestic deposits to total assets | 90.6509% | 658 |
| Equity capital to assets | 7.2038% | 7,057 |
| Core capital (leverage) ratio | 6.9905% | 6,999 |
| Tier 1 risk-based capital ratio | 9.1000% | 7,165 |
| Total risk-based capital ratio | 10.3865% | 7,161 |
| Memoranda: | ||
| Average total assets | $116,581,330 | 4,546 |
| Average earning assets | $103,972,000 | 4,603 |
| Average equity | $8,025,330 | 5,602 |
| Average total loans | $95,597,330 | 3,807 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5792% | 1,095 |
| Cost of funding earning assets | 1.0625% | 3,770 |
| Net interest margin | 4.5167% | 1,034 |
| Noninterest income to average assets | 0.6276% | 2,984 |
| Noninterest expense to average assets | 4.9941% | 366 |
| Loan and lease loss provision to assets | 4.1775% | 96 |
| Net operating income to assets | -4.5419% | 7,472 |
| Return on assets (ROA) | -4.5419% | 7,473 |
| Pretax return on assets | -4.5419% | 7,462 |
| Return on Equity (ROE) | -67.4687% | 7,461 |
| Retained earnings to average equity (ytd only) | -67.4687% | 7,453 |
| Net charge-offs to loans | 1.2707% | 1,088 |
| Credit loss provision to net charge-offs | 394.2675% | 847 |
| Earnings coverage of net charge-offs (x) | -0.3439% | 4,746 |
| Efficiency ratio | 107.8717% | 541 |
| Assets per employee ($millions) | 4.6126% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9205% | 210 |
| Loan loss allowance to noncurrent loans | 31.0261% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 18.5069% | 81 |
| Noncurrent loans to loans | 15.8591% | 128 |
| Net loans and leases to total assets | 79.3954% | 577 |
| Net loans and leases to deposits | 90.2980% | 1,196 |
| Net loans and leases to core deposits | 103.1920% | 1,119 |
| Total domestic deposits to total assets | 87.9260% | 2,414 |
| Equity capital to assets | 8.3078% | 6,152 |
| Core capital (leverage) ratio | 7.8637% | 6,404 |
| Tier 1 risk-based capital ratio | 9.8927% | 7,041 |
| Total risk-based capital ratio | 11.1880% | 7,026 |
| Memoranda: | ||
| Average total assets | $118,540,500 | 4,527 |
| Average earning assets | $105,032,500 | 4,614 |
| Average equity | $7,980,000 | 5,610 |
| Average total loans | $98,840,500 | 3,750 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6032% | 1,878 |
| Cost of funding earning assets | 1.3440% | 3,621 |
| Net interest margin | 4.2592% | 1,960 |
| Noninterest income to average assets | 0.5942% | 3,512 |
| Noninterest expense to average assets | 5.5392% | 294 |
| Loan and lease loss provision to assets | 1.8322% | 753 |
| Net operating income to assets | -2.9254% | 7,280 |
| Return on assets (ROA) | -2.9254% | 7,301 |
| Pretax return on assets | -2.9240% | 7,277 |
| Return on Equity (ROE) | -46.1385% | 7,397 |
| Retained earnings to average equity (ytd only) | -46.1385% | 7,392 |
| Net charge-offs to loans | 2.0591% | 976 |
| Credit loss provision to net charge-offs | 116.3239% | 3,698 |
| Earnings coverage of net charge-offs (x) | -0.6932% | 6,524 |
| Efficiency ratio | 124.5505% | 362 |
| Assets per employee ($millions) | 4.8707% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7617% | 490 |
| Loan loss allowance to noncurrent loans | 23.1573% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 18.5937% | 82 |
| Noncurrent loans to loans | 16.2444% | 125 |
| Net loans and leases to total assets | 80.1325% | 648 |
| Net loans and leases to deposits | 88.2409% | 1,755 |
| Net loans and leases to core deposits | 105.9504% | 1,192 |
| Total domestic deposits to total assets | 90.8111% | 686 |
| Equity capital to assets | 5.2395% | 7,417 |
| Core capital (leverage) ratio | 4.9405% | 7,421 |
| Tier 1 risk-based capital ratio | 6.2668% | 7,467 |
| Total risk-based capital ratio | 7.5483% | 7,467 |
| Memoranda: | ||
| Average total assets | $145,075,400 | 3,966 |
| Average earning assets | $131,246,400 | 3,989 |
| Average equity | $9,198,400 | 5,358 |
| Average total loans | $110,970,200 | 3,523 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5659% | 2,191 |
| Cost of funding earning assets | 1.4034% | 3,561 |
| Net interest margin | 4.1624% | 2,358 |
| Noninterest income to average assets | 0.6017% | 3,429 |
| Noninterest expense to average assets | 4.1412% | 884 |
| Loan and lease loss provision to assets | 0.9922% | 1,499 |
| Net operating income to assets | -0.7669% | 6,773 |
| Return on assets (ROA) | -0.7669% | 6,806 |
| Pretax return on assets | -0.7660% | 6,718 |
| Return on Equity (ROE) | -11.6864% | 6,993 |
| Retained earnings to average equity (ytd only) | -11.6864% | 6,957 |
| Net charge-offs to loans | 2.4534% | 691 |
| Credit loss provision to net charge-offs | 53.8351% | 5,829 |
| Earnings coverage of net charge-offs (x) | 0.1227% | 5,897 |
| Efficiency ratio | 94.8210% | 953 |
| Assets per employee ($millions) | 5.9592% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2983% | 1,630 |
| Loan loss allowance to noncurrent loans | 81.9174% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 7.5269% | 694 |
| Noncurrent loans to loans | 2.8056% | 2,845 |
| Net loans and leases to total assets | 80.3513% | 687 |
| Net loans and leases to deposits | 92.6589% | 1,366 |
| Net loans and leases to core deposits | 111.7164% | 947 |
| Total domestic deposits to total assets | 86.7173% | 2,682 |
| Equity capital to assets | 7.4415% | 7,158 |
| Core capital (leverage) ratio | 7.0839% | 7,117 |
| Tier 1 risk-based capital ratio | 8.8415% | 7,387 |
| Total risk-based capital ratio | 10.1043% | 7,401 |
| Memoranda: | ||
| Average total assets | $150,902,500 | 3,913 |
| Average earning assets | $136,519,250 | 3,929 |
| Average equity | $9,903,000 | 5,224 |
| Average total loans | $113,365,500 | 3,518 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3934% | 3,003 |
| Cost of funding earning assets | 1.4601% | 3,496 |
| Net interest margin | 3.9333% | 3,308 |
| Noninterest income to average assets | 0.5676% | 3,566 |
| Noninterest expense to average assets | 4.2539% | 759 |
| Loan and lease loss provision to assets | 1.1098% | 1,288 |
| Net operating income to assets | -1.2330% | 7,045 |
| Return on assets (ROA) | -1.2330% | 7,060 |
| Pretax return on assets | -1.2317% | 6,981 |
| Return on Equity (ROE) | -19.5137% | 7,264 |
| Retained earnings to average equity (ytd only) | -19.5137% | 7,242 |
| Net charge-offs to loans | 3.4180% | 436 |
| Credit loss provision to net charge-offs | 44.3880% | 5,533 |
| Earnings coverage of net charge-offs (x) | -0.0488% | 5,759 |
| Efficiency ratio | 102.9502% | 713 |
| Assets per employee ($millions) | 5.2821% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1526% | 1,859 |
| Loan loss allowance to noncurrent loans | 74.3111% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 6.8081% | 793 |
| Noncurrent loans to loans | 2.8968% | 2,760 |
| Net loans and leases to total assets | 72.1017% | 2,370 |
| Net loans and leases to deposits | 85.5931% | 2,575 |
| Net loans and leases to core deposits | 102.7856% | 1,757 |
| Total domestic deposits to total assets | 84.2378% | 3,995 |
| Equity capital to assets | 6.5511% | 7,463 |
| Core capital (leverage) ratio | 6.3375% | 7,423 |
| Tier 1 risk-based capital ratio | 8.5822% | 7,473 |
| Total risk-based capital ratio | 9.8429% | 7,491 |
| Memoranda: | ||
| Average total assets | $157,502,330 | 3,836 |
| Average earning assets | $142,731,000 | 3,846 |
| Average equity | $9,952,000 | 5,215 |
| Average total loans | $115,213,670 | 3,505 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2996% | 3,553 |
| Cost of funding earning assets | 1.4909% | 3,616 |
| Net interest margin | 3.8086% | 3,763 |
| Noninterest income to average assets | 0.3746% | 5,145 |
| Noninterest expense to average assets | 4.3917% | 645 |
| Loan and lease loss provision to assets | 2.1540% | 504 |
| Net operating income to assets | -2.7085% | 7,595 |
| Return on assets (ROA) | -2.7085% | 7,596 |
| Pretax return on assets | -2.7085% | 7,549 |
| Return on Equity (ROE) | -43.5960% | 7,674 |
| Retained earnings to average equity (ytd only) | -43.5960% | 7,661 |
| Net charge-offs to loans | 5.8988% | 184 |
| Credit loss provision to net charge-offs | 50.0860% | 4,476 |
| Earnings coverage of net charge-offs (x) | -0.1289% | 5,120 |
| Efficiency ratio | 114.4509% | 523 |
| Assets per employee ($millions) | 7.1723% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 1,705 |
| Loan loss allowance to noncurrent loans | 76.1256% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 6.4136% | 898 |
| Noncurrent loans to loans | 2.9182% | 2,760 |
| Net loans and leases to total assets | 68.5722% | 3,264 |
| Net loans and leases to deposits | 80.4177% | 3,568 |
| Net loans and leases to core deposits | 103.2466% | 1,801 |
| Total domestic deposits to total assets | 85.2699% | 3,525 |
| Equity capital to assets | 5.7850% | 7,648 |
| Core capital (leverage) ratio | 5.8090% | 7,610 |
| Tier 1 risk-based capital ratio | 8.1400% | 7,597 |
| Total risk-based capital ratio | 9.4024% | 7,602 |
| Memoranda: | ||
| Average total assets | $162,304,500 | 3,796 |
| Average earning assets | $147,559,000 | 3,810 |
| Average equity | $10,083,500 | 5,214 |
| Average total loans | $118,329,000 | 3,486 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 4,299 |
| Cost of funding earning assets | 1.8654% | 3,648 |
| Net interest margin | 3.6086% | 4,524 |
| Noninterest income to average assets | 0.3014% | 5,940 |
| Noninterest expense to average assets | 3.7462% | 1,807 |
| Loan and lease loss provision to assets | 3.6518% | 412 |
| Net operating income to assets | -3.7492% | 7,564 |
| Return on assets (ROA) | -3.7492% | 7,567 |
| Pretax return on assets | -3.7492% | 7,475 |
| Return on Equity (ROE) | -45.1301% | 7,628 |
| Retained earnings to average equity (ytd only) | -45.1301% | 7,617 |
| Net charge-offs to loans | 3.9957% | 416 |
| Credit loss provision to net charge-offs | 113.1954% | 4,844 |
| Earnings coverage of net charge-offs (x) | -0.0302% | 6,248 |
| Efficiency ratio | 102.6691% | 988 |
| Assets per employee ($millions) | 6.9412% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8445% | 885 |
| Loan loss allowance to noncurrent loans | 69.5573% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 5.7878% | 990 |
| Noncurrent loans to loans | 4.0894% | 1,800 |
| Net loans and leases to total assets | 73.6180% | 2,357 |
| Net loans and leases to deposits | 86.8982% | 2,754 |
| Net loans and leases to core deposits | 96.3558% | 4,418 |
| Total domestic deposits to total assets | 84.7175% | 3,702 |
| Equity capital to assets | 6.6547% | 7,515 |
| Core capital (leverage) ratio | 6.5374% | 7,475 |
| Tier 1 risk-based capital ratio | 8.3972% | 7,601 |
| Total risk-based capital ratio | 9.6468% | 7,622 |
| Memoranda: | ||
| Average total assets | $163,260,000 | 3,710 |
| Average earning assets | $151,442,200 | 3,683 |
| Average equity | $13,563,000 | 4,369 |
| Average total loans | $131,816,200 | 3,233 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4679% | 4,585 |
| Cost of funding earning assets | 1.9509% | 3,616 |
| Net interest margin | 3.5169% | 4,797 |
| Noninterest income to average assets | 0.2428% | 6,495 |
| Noninterest expense to average assets | 3.6069% | 2,017 |
| Loan and lease loss provision to assets | 3.0091% | 487 |
| Net operating income to assets | -3.0936% | 7,612 |
| Return on assets (ROA) | -3.0936% | 7,619 |
| Pretax return on assets | -3.0936% | 7,530 |
| Return on Equity (ROE) | -35.5199% | 7,709 |
| Retained earnings to average equity (ytd only) | -35.5199% | 7,701 |
| Net charge-offs to loans | 4.2796% | 310 |
| Credit loss provision to net charge-offs | 85.8036% | 5,599 |
| Earnings coverage of net charge-offs (x) | -0.0241% | 6,095 |
| Efficiency ratio | 102.3980% | 963 |
| Assets per employee ($millions) | 6.4740% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 2,790 |
| Loan loss allowance to noncurrent loans | 24.7132% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 6.0834% | 875 |
| Noncurrent loans to loans | 6.6904% | 845 |
| Net loans and leases to total assets | 78.3886% | 1,502 |
| Net loans and leases to deposits | 94.0838% | 1,871 |
| Net loans and leases to core deposits | 103.4297% | 4,003 |
| Total domestic deposits to total assets | 83.3179% | 4,057 |
| Equity capital to assets | 8.0179% | 6,832 |
| Core capital (leverage) ratio | 7.9850% | 6,385 |
| Tier 1 risk-based capital ratio | 8.7497% | 7,701 |
| Total risk-based capital ratio | 9.8623% | 7,746 |
| Memoranda: | ||
| Average total assets | $164,163,250 | 3,719 |
| Average earning assets | $153,084,500 | 3,667 |
| Average equity | $14,297,750 | 4,229 |
| Average total loans | $134,527,750 | 3,213 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4042% | 5,131 |
| Cost of funding earning assets | 2.1053% | 3,239 |
| Net interest margin | 3.2989% | 5,558 |
| Noninterest income to average assets | 0.1783% | 7,021 |
| Noninterest expense to average assets | 3.5299% | 2,253 |
| Loan and lease loss provision to assets | 4.4794% | 257 |
| Net operating income to assets | -4.7643% | 7,917 |
| Return on assets (ROA) | -4.7643% | 7,912 |
| Pretax return on assets | -4.7643% | 7,834 |
| Return on Equity (ROE) | -53.3180% | 7,935 |
| Retained earnings to average equity (ytd only) | -53.3180% | 7,931 |
| Net charge-offs to loans | 2.2923% | 777 |
| Credit loss provision to net charge-offs | 236.3404% | 1,964 |
| Earnings coverage of net charge-offs (x) | -0.1504% | 5,838 |
| Efficiency ratio | 108.7818% | 883 |
| Assets per employee ($millions) | 6.9143% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5844% | 352 |
| Loan loss allowance to noncurrent loans | 45.9141% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 7.3971% | 545 |
| Noncurrent loans to loans | 7.8068% | 577 |
| Net loans and leases to total assets | 79.0532% | 1,509 |
| Net loans and leases to deposits | 94.3458% | 2,038 |
| Net loans and leases to core deposits | 104.5041% | 4,006 |
| Total domestic deposits to total assets | 83.7909% | 3,877 |
| Equity capital to assets | 7.7369% | 7,039 |
| Core capital (leverage) ratio | 7.4721% | 7,055 |
| Tier 1 risk-based capital ratio | 9.2208% | 7,587 |
| Total risk-based capital ratio | 10.4991% | 7,564 |
| Memoranda: | ||
| Average total assets | $164,934,330 | 3,720 |
| Average earning assets | $153,325,000 | 3,678 |
| Average equity | $14,738,000 | 4,152 |
| Average total loans | $136,368,670 | 3,218 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 5,488 |
| Cost of funding earning assets | 2.2274% | 3,023 |
| Net interest margin | 3.1598% | 5,986 |
| Noninterest income to average assets | 0.0608% | 7,767 |
| Noninterest expense to average assets | 3.2865% | 2,697 |
| Loan and lease loss provision to assets | 4.9042% | 170 |
| Net operating income to assets | -5.2034% | 8,049 |
| Return on assets (ROA) | -5.2034% | 8,042 |
| Pretax return on assets | -5.2034% | 8,000 |
| Return on Equity (ROE) | -54.5402% | 8,066 |
| Retained earnings to average equity (ytd only) | -54.5402% | 8,048 |
| Net charge-offs to loans | 4.5267% | 246 |
| Credit loss provision to net charge-offs | 130.4854% | 3,069 |
| Earnings coverage of net charge-offs (x) | -0.0796% | 5,052 |
| Efficiency ratio | 110.0163% | 811 |
| Assets per employee ($millions) | 6.9044% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3677% | 887 |
| Loan loss allowance to noncurrent loans | 29.4867% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 8.6177% | 312 |
| Noncurrent loans to loans | 8.0296% | 447 |
| Net loans and leases to total assets | 80.0549% | 1,379 |
| Net loans and leases to deposits | 96.8645% | 1,818 |
| Net loans and leases to core deposits | 110.1996% | 3,405 |
| Total domestic deposits to total assets | 82.6463% | 4,315 |
| Equity capital to assets | 8.8175% | 5,594 |
| Core capital (leverage) ratio | 9.0457% | 4,627 |
| Tier 1 risk-based capital ratio | 9.9975% | 6,924 |
| Total risk-based capital ratio | 11.2592% | 6,816 |
| Memoranda: | ||
| Average total assets | $164,429,500 | 3,753 |
| Average earning assets | $152,287,000 | 3,710 |
| Average equity | $15,687,500 | 4,004 |
| Average total loans | $136,522,500 | 3,237 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3415% | 3,724 |
| Cost of funding earning assets | 2.5326% | 4,036 |
| Net interest margin | 3.8089% | 3,984 |
| Noninterest income to average assets | -0.5182% | 8,272 |
| Noninterest expense to average assets | 4.2406% | 1,106 |
| Loan and lease loss provision to assets | 2.3766% | 455 |
| Net operating income to assets | -3.3539% | 7,889 |
| Return on assets (ROA) | -3.3539% | 7,871 |
| Pretax return on assets | -3.5450% | 7,817 |
| Return on Equity (ROE) | -25.8728% | 7,876 |
| Retained earnings to average equity (ytd only) | -25.8728% | 7,825 |
| Net charge-offs to loans | 2.2662% | 456 |
| Credit loss provision to net charge-offs | 117.2146% | 4,597 |
| Earnings coverage of net charge-offs (x) | -0.5763% | 6,504 |
| Efficiency ratio | 138.0348% | 412 |
| Assets per employee ($millions) | 6.7981% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0019% | 1,217 |
| Loan loss allowance to noncurrent loans | 24.7387% | 7,019 |
| Noncurrent assets plus other real estate owned to assets | 9.3445% | 198 |
| Noncurrent loans to loans | 8.0920% | 329 |
| Net loans and leases to total assets | 82.3927% | 1,153 |
| Net loans and leases to deposits | 104.1795% | 1,323 |
| Net loans and leases to core deposits | 120.2840% | 2,654 |
| Total domestic deposits to total assets | 79.0872% | 5,347 |
| Equity capital to assets | 10.2750% | 3,735 |
| Core capital (leverage) ratio | 10.0565% | 3,392 |
| Tier 1 risk-based capital ratio | 11.1668% | 5,578 |
| Total risk-based capital ratio | 12.4244% | 5,453 |
| Memoranda: | ||
| Average total assets | $159,010,800 | 3,734 |
| Average earning assets | $149,884,600 | 3,660 |
| Average equity | $20,612,400 | 3,142 |
| Average total loans | $142,265,600 | 3,055 |