Home > Hana Bank USA > Performance and Condition Ratios
Hana Bank USA, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 2,543 |
| Cost of funding earning assets | 1.2196% | 2,754 |
| Net interest margin | 3.5462% | 2,079 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.8582% | 1,377 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.7813% | 2,931 |
| Return on assets (ROA) | 0.7813% | 2,911 |
| Pretax return on assets | 0.5773% | 3,675 |
| Return on Equity (ROE) | 3.4900% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.4916% | 3,124 |
| Net charge-offs to loans | -0.0638% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.5530% | 943 |
| Assets per employee ($millions) | 7.9649% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 1,369 |
| Loan loss allowance to noncurrent loans | 3,881.7308% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,544 |
| Noncurrent loans to loans | 0.0363% | 3,475 |
| Net loans and leases to total assets | 65.7300% | 2,282 |
| Net loans and leases to deposits | 90.7969% | 1,207 |
| Net loans and leases to core deposits | 103.3578% | 1,252 |
| Total domestic deposits to total assets | 72.3900% | 4,208 |
| Equity capital to assets | 23.0232% | 218 |
| Core capital (leverage) ratio | 22.5968% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.9763% | 158 |
| Memoranda: | ||
| Average total assets | $434,636,800 | 1,902 |
| Average earning assets | $408,977,400 | 1,885 |
| Average equity | $97,261,200 | 965 |
| Average total loans | $239,869,800 | 2,061 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 2,772 |
| Cost of funding earning assets | 1.0779% | 2,805 |
| Net interest margin | 3.4847% | 2,246 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.7990% | 1,439 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.8683% | 2,801 |
| Return on assets (ROA) | 0.8683% | 2,789 |
| Pretax return on assets | 0.5969% | 3,737 |
| Return on Equity (ROE) | 3.9100% | 3,994 |
| Retained earnings to average equity (ytd only) | 3.9082% | 3,282 |
| Net charge-offs to loans | -0.0830% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.0187% | 929 |
| Assets per employee ($millions) | 10.1299% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,023 |
| Loan loss allowance to noncurrent loans | 14,657.6923% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,819 |
| Noncurrent loans to loans | 0.0105% | 3,723 |
| Net loans and leases to total assets | 46.4000% | 3,813 |
| Net loans and leases to deposits | 59.5721% | 3,531 |
| Net loans and leases to core deposits | 65.0556% | 3,478 |
| Total domestic deposits to total assets | 77.8900% | 3,830 |
| Equity capital to assets | 18.4042% | 330 |
| Core capital (leverage) ratio | 22.5004% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9410% | 143 |
| Memoranda: | ||
| Average total assets | $435,769,500 | 1,902 |
| Average earning assets | $410,044,000 | 1,871 |
| Average equity | $96,820,500 | 965 |
| Average total loans | $228,154,000 | 2,109 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 2,521 |
| Cost of funding earning assets | 0.8795% | 2,993 |
| Net interest margin | 3.6745% | 1,867 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.9346% | 1,150 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1217% | 2,052 |
| Return on assets (ROA) | 1.1217% | 2,055 |
| Pretax return on assets | 0.6842% | 3,631 |
| Return on Equity (ROE) | 4.7000% | 3,924 |
| Retained earnings to average equity (ytd only) | 4.6994% | 3,026 |
| Net charge-offs to loans | -0.0948% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.8574% | 932 |
| Assets per employee ($millions) | 7.2451% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 1,152 |
| Loan loss allowance to noncurrent loans | 1,352.8958% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,081 |
| Noncurrent loans to loans | 0.1115% | 2,925 |
| Net loans and leases to total assets | 60.7100% | 2,703 |
| Net loans and leases to deposits | 88.1382% | 1,333 |
| Net loans and leases to core deposits | 102.2092% | 1,121 |
| Total domestic deposits to total assets | 68.8900% | 4,383 |
| Equity capital to assets | 25.9256% | 185 |
| Core capital (leverage) ratio | 24.8615% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.3796% | 127 |
| Memoranda: | ||
| Average total assets | $405,440,667 | 1,996 |
| Average earning assets | $379,755,667 | 1,980 |
| Average equity | $96,779,000 | 960 |
| Average total loans | $221,467,333 | 2,146 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 2,531 |
| Cost of funding earning assets | 0.7262% | 2,965 |
| Net interest margin | 3.6826% | 1,939 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.7328% | 1,588 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.3816% | 1,460 |
| Return on assets (ROA) | 1.3816% | 1,431 |
| Pretax return on assets | 0.8976% | 3,244 |
| Return on Equity (ROE) | 6.0200% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.0208% | 2,754 |
| Net charge-offs to loans | -0.0204% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.5762% | 1,381 |
| Assets per employee ($millions) | 9.4563% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 1,174 |
| Loan loss allowance to noncurrent loans | 994.2598% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,066 |
| Noncurrent loans to loans | 0.1539% | 2,721 |
| Net loans and leases to total assets | 46.6500% | 3,740 |
| Net loans and leases to deposits | 62.8605% | 3,174 |
| Net loans and leases to core deposits | 69.1046% | 3,014 |
| Total domestic deposits to total assets | 74.2200% | 4,276 |
| Equity capital to assets | 21.4238% | 202 |
| Core capital (leverage) ratio | 24.8217% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.4141% | 111 |
| Memoranda: | ||
| Average total assets | $419,789,500 | 1,976 |
| Average earning assets | $393,857,000 | 1,953 |
| Average equity | $96,332,000 | 977 |
| Average total loans | $216,079,500 | 2,196 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1957% | 3,823 |
| Cost of funding earning assets | 0.2554% | 3,279 |
| Net interest margin | 2.9403% | 3,592 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 3.3124% | 616 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | -0.2026% | 4,608 |
| Return on assets (ROA) | -0.2026% | 4,597 |
| Pretax return on assets | -0.3536% | 4,612 |
| Return on Equity (ROE) | -1.0000% | 4,575 |
| Retained earnings to average equity (ytd only) | -0.9998% | 4,451 |
| Net charge-offs to loans | -0.0343% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 105.4735% | 115 |
| Assets per employee ($millions) | 8.2059% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,184 |
| Loan loss allowance to noncurrent loans | 964.0118% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 2,933 |
| Noncurrent loans to loans | 0.1561% | 2,715 |
| Net loans and leases to total assets | 55.4500% | 3,083 |
| Net loans and leases to deposits | 78.9874% | 1,847 |
| Net loans and leases to core deposits | 89.7848% | 1,514 |
| Total domestic deposits to total assets | 70.2000% | 4,470 |
| Equity capital to assets | 24.7412% | 151 |
| Core capital (leverage) ratio | 26.4430% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.2471% | 112 |
| Memoranda: | ||
| Average total assets | $344,975,600 | 2,245 |
| Average earning assets | $326,905,600 | 2,213 |
| Average equity | $69,913,800 | 1,253 |
| Average total loans | $192,146,200 | 2,295 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8464% | 4,133 |
| Cost of funding earning assets | 0.1845% | 3,458 |
| Net interest margin | 2.6619% | 4,000 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 3.3866% | 529 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | -0.4831% | 4,677 |
| Return on assets (ROA) | -0.4831% | 4,663 |
| Pretax return on assets | -0.6905% | 4,676 |
| Return on Equity (ROE) | -2.5500% | 4,629 |
| Retained earnings to average equity (ytd only) | -2.5454% | 4,519 |
| Net charge-offs to loans | -0.0409% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 115.9847% | 78 |
| Assets per employee ($millions) | 7.3036% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 891 |
| Loan loss allowance to noncurrent loans | 3,041.9048% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 3,640 |
| Noncurrent loans to loans | 0.0556% | 3,482 |
| Net loans and leases to total assets | 50.8200% | 3,396 |
| Net loans and leases to deposits | 75.8158% | 1,889 |
| Net loans and leases to core deposits | 85.2923% | 1,563 |
| Total domestic deposits to total assets | 67.0300% | 4,574 |
| Equity capital to assets | 25.9000% | 135 |
| Core capital (leverage) ratio | 25.9794% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.7554% | 102 |
| Memoranda: | ||
| Average total assets | $334,800,250 | 2,300 |
| Average earning assets | $318,707,500 | 2,258 |
| Average equity | $63,537,000 | 1,356 |
| Average total loans | $185,904,500 | 2,340 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4726% | 4,400 |
| Cost of funding earning assets | 0.1519% | 3,548 |
| Net interest margin | 2.3207% | 4,315 |
| Noninterest income to average assets | 0.4090% | 2,699 |
| Noninterest expense to average assets | 3.4589% | 454 |
| Loan and lease loss provision to assets | 0.4140% | 138 |
| Net operating income to assets | -0.9129% | 4,713 |
| Return on assets (ROA) | -0.9129% | 4,707 |
| Pretax return on assets | -1.2339% | 4,711 |
| Return on Equity (ROE) | -5.5726% | 4,685 |
| Retained earnings to average equity (ytd only) | -5.5726% | 4,559 |
| Net charge-offs to loans | -0.0530% | 4,261 |
| Credit loss provision to net charge-offs | -1,371.4286% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.0691% | 57 |
| Assets per employee ($millions) | 8.9856% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 1,439 |
| Loan loss allowance to noncurrent loans | 1,753.1915% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,502 |
| Noncurrent loans to loans | 0.0850% | 3,355 |
| Net loans and leases to total assets | 56.3880% | 2,710 |
| Net loans and leases to deposits | 80.2399% | 1,372 |
| Net loans and leases to core deposits | 84.9908% | 1,396 |
| Total domestic deposits to total assets | 70.2742% | 4,613 |
| Equity capital to assets | 24.5110% | 100 |
| Core capital (leverage) ratio | 27.1570% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.5231% | 74 |
| Memoranda: | ||
| Average total assets | $324,673,000 | 2,362 |
| Average earning assets | $311,973,000 | 2,317 |
| Average equity | $53,188,667 | 1,604 |
| Average total loans | $184,948,333 | 2,350 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3400% | 4,427 |
| Cost of funding earning assets | 0.1632% | 3,325 |
| Net interest margin | 2.1768% | 4,375 |
| Noninterest income to average assets | 0.4043% | 2,658 |
| Noninterest expense to average assets | 3.5505% | 404 |
| Loan and lease loss provision to assets | 0.1157% | 723 |
| Net operating income to assets | -1.1368% | 4,742 |
| Return on assets (ROA) | -1.1368% | 4,738 |
| Pretax return on assets | -1.1368% | 4,734 |
| Return on Equity (ROE) | -10.2991% | 4,746 |
| Retained earnings to average equity (ytd only) | -10.2991% | 4,569 |
| Net charge-offs to loans | 0.0096% | 1,403 |
| Credit loss provision to net charge-offs | 2,125.0000% | 201 |
| Earnings coverage of net charge-offs (x) | -187.5000% | 1,834 |
| Efficiency ratio | 140.3660% | 52 |
| Assets per employee ($millions) | 6.6960% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,289 |
| Loan loss allowance to noncurrent loans | 1,328.0000% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 3,385 |
| Noncurrent loans to loans | 0.1200% | 3,222 |
| Net loans and leases to total assets | 55.6633% | 2,558 |
| Net loans and leases to deposits | 62.9982% | 2,628 |
| Net loans and leases to core deposits | 66.9706% | 2,538 |
| Total domestic deposits to total assets | 88.3570% | 2,353 |
| Equity capital to assets | 10.7592% | 1,464 |
| Core capital (leverage) ratio | 11.2620% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1372% | 423 |
| Memoranda: | ||
| Average total assets | $293,818,500 | 2,524 |
| Average earning assets | $286,837,000 | 2,466 |
| Average equity | $32,430,000 | 2,361 |
| Average total loans | $166,838,000 | 2,489 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2677% | 3,304 |
| Cost of funding earning assets | 0.1935% | 3,539 |
| Net interest margin | 3.0742% | 2,986 |
| Noninterest income to average assets | 0.4838% | 2,659 |
| Noninterest expense to average assets | 3.6632% | 398 |
| Loan and lease loss provision to assets | 0.0316% | 2,420 |
| Net operating income to assets | -0.2036% | 4,722 |
| Return on assets (ROA) | -0.1432% | 4,719 |
| Pretax return on assets | -0.1545% | 4,721 |
| Return on Equity (ROE) | -1.1680% | 4,720 |
| Retained earnings to average equity (ytd only) | -1.1680% | 4,588 |
| Net charge-offs to loans | -0.1145% | 4,604 |
| Credit loss provision to net charge-offs | -44.5596% | 3,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4077% | 114 |
| Assets per employee ($millions) | 7.3254% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 1,420 |
| Loan loss allowance to noncurrent loans | 971.6981% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 3,305 |
| Noncurrent loans to loans | 0.1587% | 3,141 |
| Net loans and leases to total assets | 56.1229% | 2,592 |
| Net loans and leases to deposits | 63.9768% | 2,689 |
| Net loans and leases to core deposits | 67.4072% | 2,696 |
| Total domestic deposits to total assets | 87.7238% | 2,182 |
| Equity capital to assets | 11.3172% | 1,593 |
| Core capital (leverage) ratio | 11.6111% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9052% | 352 |
| Memoranda: | ||
| Average total assets | $272,438,800 | 2,585 |
| Average earning assets | $265,107,400 | 2,522 |
| Average equity | $33,391,800 | 2,365 |
| Average total loans | $168,505,400 | 2,479 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2487% | 3,519 |
| Cost of funding earning assets | 0.2006% | 3,598 |
| Net interest margin | 3.0481% | 3,184 |
| Noninterest income to average assets | 0.3891% | 3,154 |
| Noninterest expense to average assets | 3.6967% | 377 |
| Loan and lease loss provision to assets | 0.0827% | 1,435 |
| Net operating income to assets | -0.4071% | 4,820 |
| Return on assets (ROA) | -0.3232% | 4,818 |
| Pretax return on assets | -0.3387% | 4,817 |
| Return on Equity (ROE) | -2.5829% | 4,813 |
| Retained earnings to average equity (ytd only) | -2.5829% | 4,721 |
| Net charge-offs to loans | -0.0718% | 4,493 |
| Credit loss provision to net charge-offs | -182.4176% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2663% | 100 |
| Assets per employee ($millions) | 6.8162% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 1,879 |
| Loan loss allowance to noncurrent loans | 898.9437% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 3,394 |
| Noncurrent loans to loans | 0.1593% | 3,326 |
| Net loans and leases to total assets | 66.1060% | 1,531 |
| Net loans and leases to deposits | 76.3530% | 1,639 |
| Net loans and leases to core deposits | 81.4588% | 1,613 |
| Total domestic deposits to total assets | 86.5795% | 2,516 |
| Equity capital to assets | 12.4105% | 1,218 |
| Core capital (leverage) ratio | 12.0328% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5338% | 455 |
| Memoranda: | ||
| Average total assets | $267,295,000 | 2,642 |
| Average earning assets | $259,871,000 | 2,570 |
| Average equity | $33,449,500 | 2,390 |
| Average total loans | $168,876,000 | 2,512 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1725% | 3,721 |
| Cost of funding earning assets | 0.2076% | 3,675 |
| Net interest margin | 2.9649% | 3,405 |
| Noninterest income to average assets | 0.4265% | 2,973 |
| Noninterest expense to average assets | 3.6604% | 384 |
| Loan and lease loss provision to assets | 0.1053% | 1,191 |
| Net operating income to assets | -0.4262% | 4,861 |
| Return on assets (ROA) | -0.3032% | 4,848 |
| Pretax return on assets | -0.3264% | 4,849 |
| Return on Equity (ROE) | -2.4165% | 4,849 |
| Retained earnings to average equity (ytd only) | -2.4165% | 4,693 |
| Net charge-offs to loans | -0.0953% | 4,614 |
| Credit loss provision to net charge-offs | -178.4810% | 3,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6820% | 100 |
| Assets per employee ($millions) | 6.6126% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,870 |
| Loan loss allowance to noncurrent loans | 879.7203% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 3,546 |
| Noncurrent loans to loans | 0.1619% | 3,405 |
| Net loans and leases to total assets | 61.2565% | 2,274 |
| Net loans and leases to deposits | 70.2186% | 2,382 |
| Net loans and leases to core deposits | 73.5117% | 2,458 |
| Total domestic deposits to total assets | 87.2368% | 2,203 |
| Equity capital to assets | 11.6937% | 1,524 |
| Core capital (leverage) ratio | 12.7795% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8580% | 433 |
| Memoranda: | ||
| Average total assets | $267,782,667 | 2,630 |
| Average earning assets | $260,174,333 | 2,557 |
| Average equity | $33,602,333 | 2,374 |
| Average total loans | $165,740,000 | 2,544 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2923% | 3,466 |
| Cost of funding earning assets | 0.2145% | 3,781 |
| Net interest margin | 3.0778% | 3,064 |
| Noninterest income to average assets | 0.3854% | 3,175 |
| Noninterest expense to average assets | 3.7256% | 357 |
| Loan and lease loss provision to assets | 0.2173% | 539 |
| Net operating income to assets | -0.5241% | 4,896 |
| Return on assets (ROA) | -0.5241% | 4,896 |
| Pretax return on assets | -0.5719% | 4,893 |
| Return on Equity (ROE) | -4.0262% | 4,895 |
| Retained earnings to average equity (ytd only) | -4.0262% | 4,656 |
| Net charge-offs to loans | -0.1597% | 4,749 |
| Credit loss provision to net charge-offs | -220.3125% | 2,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5167% | 110 |
| Assets per employee ($millions) | 5.9277% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 1,811 |
| Loan loss allowance to noncurrent loans | 223.9033% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 2,117 |
| Noncurrent loans to loans | 0.6426% | 1,960 |
| Net loans and leases to total assets | 65.6901% | 1,831 |
| Net loans and leases to deposits | 76.3300% | 1,874 |
| Net loans and leases to core deposits | 79.7645% | 2,028 |
| Total domestic deposits to total assets | 86.0607% | 2,715 |
| Equity capital to assets | 12.8795% | 954 |
| Core capital (leverage) ratio | 12.5475% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2472% | 498 |
| Memoranda: | ||
| Average total assets | $259,503,000 | 2,676 |
| Average earning assets | $251,739,000 | 2,598 |
| Average equity | $33,778,500 | 2,362 |
| Average total loans | $160,263,000 | 2,601 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1507% | 4,504 |
| Cost of funding earning assets | 0.2477% | 4,386 |
| Net interest margin | 2.9029% | 4,100 |
| Noninterest income to average assets | 0.2447% | 4,021 |
| Noninterest expense to average assets | 4.6186% | 235 |
| Loan and lease loss provision to assets | 0.1919% | 2,035 |
| Net operating income to assets | -1.7483% | 4,956 |
| Return on assets (ROA) | -1.6751% | 4,954 |
| Pretax return on assets | -1.6882% | 4,952 |
| Return on Equity (ROE) | -11.0829% | 4,950 |
| Retained earnings to average equity (ytd only) | -11.0829% | 4,921 |
| Net charge-offs to loans | -0.0632% | 4,718 |
| Credit loss provision to net charge-offs | -527.9070% | 3,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.5114% | 35 |
| Assets per employee ($millions) | 6.2973% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,383 |
| Loan loss allowance to noncurrent loans | 192.7792% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 2,179 |
| Noncurrent loans to loans | 0.8119% | 1,727 |
| Net loans and leases to total assets | 55.9272% | 3,311 |
| Net loans and leases to deposits | 65.2576% | 3,337 |
| Net loans and leases to core deposits | 68.2381% | 3,395 |
| Total domestic deposits to total assets | 85.7023% | 2,486 |
| Equity capital to assets | 13.1551% | 1,041 |
| Core capital (leverage) ratio | 14.4234% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7722% | 399 |
| Memoranda: | ||
| Average total assets | $236,587,200 | 2,680 |
| Average earning assets | $228,491,800 | 2,610 |
| Average equity | $35,757,800 | 2,190 |
| Average total loans | $135,983,600 | 2,793 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2426% | 4,540 |
| Cost of funding earning assets | 0.2664% | 4,445 |
| Net interest margin | 2.9762% | 4,031 |
| Noninterest income to average assets | -0.0023% | 5,002 |
| Noninterest expense to average assets | 4.7493% | 212 |
| Loan and lease loss provision to assets | 0.1241% | 2,784 |
| Net operating income to assets | -2.0081% | 4,987 |
| Return on assets (ROA) | -1.9072% | 4,988 |
| Pretax return on assets | -1.9072% | 4,986 |
| Return on Equity (ROE) | -12.1782% | 4,974 |
| Retained earnings to average equity (ytd only) | -12.1782% | 4,949 |
| Net charge-offs to loans | -0.0730% | 4,763 |
| Credit loss provision to net charge-offs | -294.5205% | 3,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.7609% | 29 |
| Assets per employee ($millions) | 5.3209% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,709 |
| Loan loss allowance to noncurrent loans | 154.8485% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 1,913 |
| Noncurrent loans to loans | 0.9087% | 1,641 |
| Net loans and leases to total assets | 65.6512% | 2,562 |
| Net loans and leases to deposits | 79.1947% | 2,404 |
| Net loans and leases to core deposits | 81.5536% | 2,693 |
| Total domestic deposits to total assets | 82.8985% | 3,168 |
| Equity capital to assets | 15.8744% | 485 |
| Core capital (leverage) ratio | 15.1596% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5748% | 379 |
| Memoranda: | ||
| Average total assets | $231,186,750 | 2,697 |
| Average earning assets | $222,736,250 | 2,634 |
| Average equity | $36,206,000 | 2,158 |
| Average total loans | $133,306,000 | 2,834 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2841% | 4,663 |
| Cost of funding earning assets | 0.3023% | 4,475 |
| Net interest margin | 2.9818% | 4,167 |
| Noninterest income to average assets | -0.1843% | 5,044 |
| Noninterest expense to average assets | 4.8070% | 209 |
| Loan and lease loss provision to assets | 0.1265% | 2,762 |
| Net operating income to assets | -2.2282% | 5,019 |
| Return on assets (ROA) | -2.1560% | 5,019 |
| Pretax return on assets | -2.1560% | 5,012 |
| Return on Equity (ROE) | -13.8248% | 5,007 |
| Retained earnings to average equity (ytd only) | -13.8248% | 4,968 |
| Net charge-offs to loans | -0.0959% | 4,833 |
| Credit loss provision to net charge-offs | -240.3226% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.6836% | 26 |
| Assets per employee ($millions) | 5.6570% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,543 |
| Loan loss allowance to noncurrent loans | 145.4882% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 2,014 |
| Noncurrent loans to loans | 0.9712% | 1,594 |
| Net loans and leases to total assets | 60.6542% | 3,246 |
| Net loans and leases to deposits | 72.9960% | 3,162 |
| Net loans and leases to core deposits | 74.3270% | 3,433 |
| Total domestic deposits to total assets | 83.0925% | 3,058 |
| Equity capital to assets | 15.6944% | 512 |
| Core capital (leverage) ratio | 15.0860% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7731% | 338 |
| Memoranda: | ||
| Average total assets | $235,530,333 | 2,635 |
| Average earning assets | $228,249,667 | 2,566 |
| Average equity | $36,731,000 | 2,125 |
| Average total loans | $129,319,333 | 2,870 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2577% | 4,837 |
| Cost of funding earning assets | 0.3971% | 4,374 |
| Net interest margin | 2.8606% | 4,486 |
| Noninterest income to average assets | 0.3348% | 3,520 |
| Noninterest expense to average assets | 4.8618% | 241 |
| Loan and lease loss provision to assets | 0.1416% | 1,968 |
| Net operating income to assets | -1.8971% | 5,048 |
| Return on assets (ROA) | -1.8971% | 5,033 |
| Pretax return on assets | -1.8971% | 5,021 |
| Return on Equity (ROE) | -12.2014% | 5,017 |
| Retained earnings to average equity (ytd only) | -12.2014% | 4,835 |
| Net charge-offs to loans | -0.1447% | 4,890 |
| Credit loss provision to net charge-offs | -188.8889% | 3,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.5147% | 49 |
| Assets per employee ($millions) | 5.2717% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,274 |
| Loan loss allowance to noncurrent loans | 135.5859% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 2,246 |
| Noncurrent loans to loans | 1.1211% | 1,478 |
| Net loans and leases to total assets | 51.5093% | 4,148 |
| Net loans and leases to deposits | 61.8572% | 4,107 |
| Net loans and leases to core deposits | 62.8467% | 4,241 |
| Total domestic deposits to total assets | 83.2713% | 3,022 |
| Equity capital to assets | 15.6361% | 647 |
| Core capital (leverage) ratio | 14.8586% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6818% | 340 |
| Memoranda: | ||
| Average total assets | $240,156,500 | 2,558 |
| Average earning assets | $232,678,000 | 2,481 |
| Average equity | $37,340,000 | 2,102 |
| Average total loans | $124,372,000 | 2,909 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 4,921 |
| Cost of funding earning assets | 0.5342% | 3,953 |
| Net interest margin | 2.8582% | 4,701 |
| Noninterest income to average assets | 0.2917% | 3,945 |
| Noninterest expense to average assets | 5.3786% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -2.3278% | 5,139 |
| Return on assets (ROA) | -2.3278% | 5,137 |
| Pretax return on assets | -2.3278% | 5,135 |
| Return on Equity (ROE) | -13.5108% | 5,141 |
| Retained earnings to average equity (ytd only) | -13.5108% | 5,107 |
| Net charge-offs to loans | -0.0512% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.3028% | 28 |
| Assets per employee ($millions) | 5.4019% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,497 |
| Loan loss allowance to noncurrent loans | 106.5534% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 1,736 |
| Noncurrent loans to loans | 1.3220% | 1,134 |
| Net loans and leases to total assets | 50.5615% | 4,304 |
| Net loans and leases to deposits | 60.4514% | 4,267 |
| Net loans and leases to core deposits | 61.3905% | 4,371 |
| Total domestic deposits to total assets | 83.6399% | 2,978 |
| Equity capital to assets | 15.4624% | 694 |
| Core capital (leverage) ratio | 15.7746% | 551 |
| Tier 1 risk-based capital ratio | 26.8187% | 629 |
| Total risk-based capital ratio | 28.0715% | 612 |
| Memoranda: | ||
| Average total assets | $232,106,000 | 2,560 |
| Average earning assets | $224,055,800 | 2,502 |
| Average equity | $39,990,200 | 1,933 |
| Average total loans | $117,102,200 | 2,976 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4413% | 4,996 |
| Cost of funding earning assets | 0.5618% | 3,858 |
| Net interest margin | 2.8795% | 4,777 |
| Noninterest income to average assets | 0.3412% | 3,685 |
| Noninterest expense to average assets | 5.5172% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -2.3991% | 5,217 |
| Return on assets (ROA) | -2.3991% | 5,216 |
| Pretax return on assets | -2.3991% | 5,214 |
| Return on Equity (ROE) | -13.5560% | 5,214 |
| Retained earnings to average equity (ytd only) | -13.5560% | 5,172 |
| Net charge-offs to loans | -0.0660% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.9389% | 28 |
| Assets per employee ($millions) | 5.2729% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 1,356 |
| Loan loss allowance to noncurrent loans | 96.3187% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 1,642 |
| Noncurrent loans to loans | 1.5173% | 992 |
| Net loans and leases to total assets | 49.8133% | 4,437 |
| Net loans and leases to deposits | 60.2109% | 4,377 |
| Net loans and leases to core deposits | 61.2788% | 4,489 |
| Total domestic deposits to total assets | 82.7314% | 3,239 |
| Equity capital to assets | 16.3967% | 571 |
| Core capital (leverage) ratio | 15.9284% | 568 |
| Tier 1 risk-based capital ratio | 29.1735% | 511 |
| Total risk-based capital ratio | 30.4274% | 504 |
| Memoranda: | ||
| Average total assets | $229,361,000 | 2,609 |
| Average earning assets | $221,192,000 | 2,546 |
| Average equity | $40,591,000 | 1,913 |
| Average total loans | $115,211,750 | 3,040 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3891% | 5,088 |
| Cost of funding earning assets | 0.5064% | 4,092 |
| Net interest margin | 2.8827% | 4,841 |
| Noninterest income to average assets | 0.3555% | 3,554 |
| Noninterest expense to average assets | 5.7965% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -2.6641% | 5,268 |
| Return on assets (ROA) | -2.6641% | 5,269 |
| Pretax return on assets | -2.6641% | 5,266 |
| Return on Equity (ROE) | -14.6771% | 5,261 |
| Retained earnings to average equity (ytd only) | -14.6771% | 5,216 |
| Net charge-offs to loans | -0.0616% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.0465% | 27 |
| Assets per employee ($millions) | 4.6540% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,364 |
| Loan loss allowance to noncurrent loans | 102.3050% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 1,778 |
| Noncurrent loans to loans | 1.4359% | 1,076 |
| Net loans and leases to total assets | 48.9166% | 4,527 |
| Net loans and leases to deposits | 59.3927% | 4,460 |
| Net loans and leases to core deposits | 60.2611% | 4,564 |
| Total domestic deposits to total assets | 82.3613% | 3,418 |
| Equity capital to assets | 16.8475% | 487 |
| Core capital (leverage) ratio | 18.5455% | 308 |
| Tier 1 risk-based capital ratio | 30.0627% | 478 |
| Total risk-based capital ratio | 31.3167% | 472 |
| Memoranda: | ||
| Average total assets | $226,721,330 | 2,632 |
| Average earning assets | $218,406,330 | 2,574 |
| Average equity | $41,152,670 | 1,886 |
| Average total loans | $113,632,330 | 3,078 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3792% | 5,129 |
| Cost of funding earning assets | 0.4846% | 4,130 |
| Net interest margin | 2.8946% | 4,884 |
| Noninterest income to average assets | 0.3667% | 3,400 |
| Noninterest expense to average assets | 6.3034% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -3.1526% | 5,332 |
| Return on assets (ROA) | -3.1526% | 5,331 |
| Pretax return on assets | -3.1526% | 5,330 |
| Return on Equity (ROE) | -16.7246% | 5,328 |
| Retained earnings to average equity (ytd only) | -16.7246% | 5,229 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.0573% | 20 |
| Assets per employee ($millions) | 4.0062% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 1,204 |
| Loan loss allowance to noncurrent loans | 118.6014% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 1,877 |
| Noncurrent loans to loans | 1.2999% | 1,262 |
| Net loans and leases to total assets | 50.0659% | 4,466 |
| Net loans and leases to deposits | 62.5379% | 4,269 |
| Net loans and leases to core deposits | 63.6893% | 4,397 |
| Total domestic deposits to total assets | 80.0569% | 4,166 |
| Equity capital to assets | 18.9669% | 290 |
| Core capital (leverage) ratio | 18.7073% | 289 |
| Tier 1 risk-based capital ratio | 32.3148% | 404 |
| Total risk-based capital ratio | 33.5690% | 399 |
| Memoranda: | ||
| Average total assets | $221,405,500 | 2,713 |
| Average earning assets | $212,950,000 | 2,641 |
| Average equity | $41,735,000 | 1,866 |
| Average total loans | $111,530,500 | 3,142 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5453% | 4,862 |
| Cost of funding earning assets | 0.4810% | 3,470 |
| Net interest margin | 3.0643% | 4,711 |
| Noninterest income to average assets | 0.3443% | 3,809 |
| Noninterest expense to average assets | 5.0913% | 197 |
| Loan and lease loss provision to assets | -0.5623% | 5,390 |
| Net operating income to assets | -1.3926% | 5,357 |
| Return on assets (ROA) | -1.3926% | 5,354 |
| Pretax return on assets | -1.2418% | 5,347 |
| Return on Equity (ROE) | -7.6999% | 5,331 |
| Retained earnings to average equity (ytd only) | -7.6999% | 5,287 |
| Net charge-offs to loans | -0.4177% | 5,332 |
| Credit loss provision to net charge-offs | 254.5966% | 1,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.8777% | 23 |
| Assets per employee ($millions) | 4.1177% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,291 |
| Loan loss allowance to noncurrent loans | 172.0081% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 2,513 |
| Noncurrent loans to loans | 0.8721% | 1,850 |
| Net loans and leases to total assets | 49.1703% | 4,575 |
| Net loans and leases to deposits | 61.1896% | 4,417 |
| Net loans and leases to core deposits | 62.2608% | 4,525 |
| Total domestic deposits to total assets | 80.3573% | 4,026 |
| Equity capital to assets | 18.7384% | 288 |
| Core capital (leverage) ratio | 17.8584% | 343 |
| Tier 1 risk-based capital ratio | 33.2129% | 360 |
| Total risk-based capital ratio | 34.4673% | 351 |
| Memoranda: | ||
| Average total assets | $241,351,000 | 2,538 |
| Average earning assets | $231,800,000 | 2,472 |
| Average equity | $43,650,000 | 1,712 |
| Average total loans | $127,590,200 | 2,907 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4593% | 4,969 |
| Cost of funding earning assets | 0.4800% | 3,328 |
| Net interest margin | 2.9793% | 4,875 |
| Noninterest income to average assets | 0.2524% | 4,461 |
| Noninterest expense to average assets | 4.8954% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -1.8753% | 5,446 |
| Return on assets (ROA) | -1.8753% | 5,443 |
| Pretax return on assets | -1.7829% | 5,436 |
| Return on Equity (ROE) | -10.4564% | 5,420 |
| Retained earnings to average equity (ytd only) | -10.4564% | 5,394 |
| Net charge-offs to loans | -0.3749% | 5,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.2802% | 21 |
| Assets per employee ($millions) | 5.1153% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 291 |
| Loan loss allowance to noncurrent loans | 236.8852% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 2,100 |
| Noncurrent loans to loans | 0.9864% | 1,726 |
| Net loans and leases to total assets | 41.4268% | 4,985 |
| Net loans and leases to deposits | 48.7778% | 4,992 |
| Net loans and leases to core deposits | 49.4591% | 5,033 |
| Total domestic deposits to total assets | 84.9296% | 2,632 |
| Equity capital to assets | 14.4541% | 836 |
| Core capital (leverage) ratio | 16.3423% | 470 |
| Tier 1 risk-based capital ratio | 30.3710% | 462 |
| Total risk-based capital ratio | 31.6340% | 453 |
| Memoranda: | ||
| Average total assets | $245,069,750 | 2,517 |
| Average earning assets | $235,260,500 | 2,462 |
| Average equity | $43,953,000 | 1,700 |
| Average total loans | $131,224,000 | 2,886 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 4,782 |
| Cost of funding earning assets | 0.4960% | 3,027 |
| Net interest margin | 3.0919% | 4,743 |
| Noninterest income to average assets | 0.2648% | 4,416 |
| Noninterest expense to average assets | 5.2202% | 189 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -2.0978% | 5,510 |
| Return on assets (ROA) | -2.0978% | 5,504 |
| Pretax return on assets | -1.9846% | 5,499 |
| Return on Equity (ROE) | -10.8089% | 5,476 |
| Retained earnings to average equity (ytd only) | -10.8089% | 5,426 |
| Net charge-offs to loans | -0.3155% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.3355% | 25 |
| Assets per employee ($millions) | 5.0194% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0698% | 459 |
| Loan loss allowance to noncurrent loans | 174.1709% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 1,953 |
| Noncurrent loans to loans | 1.1884% | 1,463 |
| Net loans and leases to total assets | 46.8053% | 4,778 |
| Net loans and leases to deposits | 55.9211% | 4,759 |
| Net loans and leases to core deposits | 57.0223% | 4,831 |
| Total domestic deposits to total assets | 83.6988% | 3,176 |
| Equity capital to assets | 15.6575% | 565 |
| Core capital (leverage) ratio | 17.0521% | 391 |
| Tier 1 risk-based capital ratio | 29.5667% | 491 |
| Total risk-based capital ratio | 30.8278% | 485 |
| Memoranda: | ||
| Average total assets | $229,569,000 | 2,639 |
| Average earning assets | $220,577,670 | 2,583 |
| Average equity | $44,556,000 | 1,688 |
| Average total loans | $133,739,000 | 2,872 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 4,348 |
| Cost of funding earning assets | 0.5156% | 2,669 |
| Net interest margin | 3.2370% | 4,349 |
| Noninterest income to average assets | 0.3160% | 4,040 |
| Noninterest expense to average assets | 5.6417% | 157 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -2.3362% | 5,577 |
| Return on assets (ROA) | -2.3362% | 5,575 |
| Pretax return on assets | -2.2218% | 5,570 |
| Return on Equity (ROE) | -10.6586% | 5,534 |
| Retained earnings to average equity (ytd only) | -10.6586% | 5,383 |
| Net charge-offs to loans | -0.4575% | 5,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.9660% | 27 |
| Assets per employee ($millions) | 4.1646% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 595 |
| Loan loss allowance to noncurrent loans | 124.9416% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 1,493 |
| Noncurrent loans to loans | 1.5649% | 1,117 |
| Net loans and leases to total assets | 65.7328% | 3,078 |
| Net loans and leases to deposits | 85.0163% | 2,289 |
| Net loans and leases to core deposits | 88.3457% | 2,601 |
| Total domestic deposits to total assets | 77.3179% | 4,828 |
| Equity capital to assets | 21.8250% | 162 |
| Core capital (leverage) ratio | 21.5160% | 169 |
| Tier 1 risk-based capital ratio | 30.3571% | 460 |
| Total risk-based capital ratio | 31.6166% | 455 |
| Memoranda: | ||
| Average total assets | $206,321,000 | 2,877 |
| Average earning assets | $197,834,500 | 2,810 |
| Average equity | $45,221,500 | 1,670 |
| Average total loans | $134,636,500 | 2,878 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 4,058 |
| Cost of funding earning assets | 0.4764% | 2,535 |
| Net interest margin | 3.3202% | 4,095 |
| Noninterest income to average assets | 1.0429% | 935 |
| Noninterest expense to average assets | 5.7804% | 156 |
| Loan and lease loss provision to assets | -0.4059% | 5,633 |
| Net operating income to assets | -1.1744% | 5,607 |
| Return on assets (ROA) | -1.2148% | 5,613 |
| Pretax return on assets | -1.2134% | 5,617 |
| Return on Equity (ROE) | -5.6371% | 5,550 |
| Retained earnings to average equity (ytd only) | -5.6371% | 5,457 |
| Net charge-offs to loans | 0.2897% | 905 |
| Credit loss provision to net charge-offs | -220.1995% | 4,818 |
| Earnings coverage of net charge-offs (x) | -8.5661% | 4,081 |
| Efficiency ratio | 137.5779% | 35 |
| Assets per employee ($millions) | 4.1716% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9024% | 646 |
| Loan loss allowance to noncurrent loans | 92.0716% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.3122% | 1,103 |
| Noncurrent loans to loans | 2.0663% | 732 |
| Net loans and leases to total assets | 62.2985% | 3,582 |
| Net loans and leases to deposits | 80.7032% | 2,844 |
| Net loans and leases to core deposits | 84.1663% | 3,044 |
| Total domestic deposits to total assets | 77.1946% | 4,840 |
| Equity capital to assets | 22.0090% | 152 |
| Core capital (leverage) ratio | 21.9261% | 146 |
| Tier 1 risk-based capital ratio | 31.5769% | 399 |
| Total risk-based capital ratio | 32.8358% | 398 |
| Memoranda: | ||
| Average total assets | $217,562,000 | 2,748 |
| Average earning assets | $206,974,200 | 2,699 |
| Average equity | $46,886,000 | 1,605 |
| Average total loans | $138,430,400 | 2,804 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6421% | 4,462 |
| Cost of funding earning assets | 0.4625% | 2,593 |
| Net interest margin | 3.1796% | 4,511 |
| Noninterest income to average assets | 0.9602% | 1,119 |
| Noninterest expense to average assets | 5.5750% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.5977% | 5,699 |
| Return on assets (ROA) | -1.6092% | 5,699 |
| Pretax return on assets | -1.6074% | 5,698 |
| Return on Equity (ROE) | -7.5051% | 5,649 |
| Retained earnings to average equity (ytd only) | -7.5051% | 5,582 |
| Net charge-offs to loans | 0.5746% | 345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -4.3632% | 3,754 |
| Efficiency ratio | 140.1067% | 33 |
| Assets per employee ($millions) | 4.8379% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3055% | 342 |
| Loan loss allowance to noncurrent loans | 119.7605% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 1,331 |
| Noncurrent loans to loans | 1.9251% | 896 |
| Net loans and leases to total assets | 62.2860% | 3,617 |
| Net loans and leases to deposits | 79.7203% | 2,999 |
| Net loans and leases to core deposits | 82.9511% | 3,218 |
| Total domestic deposits to total assets | 78.1307% | 4,704 |
| Equity capital to assets | 21.1445% | 182 |
| Core capital (leverage) ratio | 20.8430% | 184 |
| Tier 1 risk-based capital ratio | 30.9006% | 444 |
| Total risk-based capital ratio | 32.1622% | 445 |
| Memoranda: | ||
| Average total assets | $219,808,000 | 2,753 |
| Average earning assets | $208,701,250 | 2,696 |
| Average equity | $47,131,000 | 1,607 |
| Average total loans | $139,922,750 | 2,800 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 4,481 |
| Cost of funding earning assets | 0.4524% | 2,577 |
| Net interest margin | 3.1601% | 4,518 |
| Noninterest income to average assets | 1.2281% | 691 |
| Noninterest expense to average assets | 5.7077% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.4920% | 5,749 |
| Return on assets (ROA) | -1.4920% | 5,749 |
| Pretax return on assets | -1.4893% | 5,746 |
| Return on Equity (ROE) | -6.9268% | 5,697 |
| Retained earnings to average equity (ytd only) | -6.9268% | 5,587 |
| Net charge-offs to loans | 0.9109% | 214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -2.5696% | 3,448 |
| Efficiency ratio | 135.3042% | 40 |
| Assets per employee ($millions) | 4.5766% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3942% | 322 |
| Loan loss allowance to noncurrent loans | 121.7391% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.3286% | 1,222 |
| Noncurrent loans to loans | 1.9667% | 862 |
| Net loans and leases to total assets | 61.2693% | 3,714 |
| Net loans and leases to deposits | 79.6908% | 2,947 |
| Net loans and leases to core deposits | 81.4141% | 3,302 |
| Total domestic deposits to total assets | 76.8838% | 4,973 |
| Equity capital to assets | 22.3201% | 140 |
| Core capital (leverage) ratio | 22.0014% | 140 |
| Tier 1 risk-based capital ratio | 32.9138% | 370 |
| Total risk-based capital ratio | 34.1759% | 363 |
| Memoranda: | ||
| Average total assets | $220,508,330 | 2,761 |
| Average earning assets | $208,664,000 | 2,713 |
| Average equity | $47,497,000 | 1,603 |
| Average total loans | $140,296,670 | 2,798 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 4,384 |
| Cost of funding earning assets | 0.4416% | 2,600 |
| Net interest margin | 3.1705% | 4,435 |
| Noninterest income to average assets | 0.2058% | 5,042 |
| Noninterest expense to average assets | 5.4226% | 195 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.2279% | 5,824 |
| Return on assets (ROA) | -2.2279% | 5,824 |
| Pretax return on assets | -2.2244% | 5,820 |
| Return on Equity (ROE) | -10.5212% | 5,781 |
| Retained earnings to average equity (ytd only) | -10.5212% | 5,589 |
| Net charge-offs to loans | 0.2549% | 710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -13.6304% | 2,921 |
| Efficiency ratio | 169.5507% | 26 |
| Assets per employee ($millions) | 3.9019% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6452% | 268 |
| Loan loss allowance to noncurrent loans | 148.0846% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.4343% | 1,152 |
| Noncurrent loans to loans | 1.7863% | 1,052 |
| Net loans and leases to total assets | 63.6417% | 3,316 |
| Net loans and leases to deposits | 82.4593% | 2,451 |
| Net loans and leases to core deposits | 84.1885% | 2,883 |
| Total domestic deposits to total assets | 77.1796% | 5,097 |
| Equity capital to assets | 22.0259% | 145 |
| Core capital (leverage) ratio | 20.5442% | 186 |
| Tier 1 risk-based capital ratio | 31.9922% | 415 |
| Total risk-based capital ratio | 33.2580% | 408 |
| Memoranda: | ||
| Average total assets | $225,501,000 | 2,746 |
| Average earning assets | $212,839,000 | 2,701 |
| Average equity | $47,751,000 | 1,595 |
| Average total loans | $144,370,000 | 2,760 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5432% | 4,657 |
| Cost of funding earning assets | 0.6710% | 946 |
| Net interest margin | 2.8722% | 5,181 |
| Noninterest income to average assets | 0.2821% | 4,725 |
| Noninterest expense to average assets | 5.8060% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -2.8433% | 5,889 |
| Return on assets (ROA) | -2.8470% | 5,890 |
| Pretax return on assets | -2.8190% | 5,890 |
| Return on Equity (ROE) | -15.0304% | 5,866 |
| Retained earnings to average equity (ytd only) | -15.0733% | 5,834 |
| Net charge-offs to loans | 0.2624% | 1,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -16.7536% | 4,251 |
| Efficiency ratio | 194.1368% | 14 |
| Assets per employee ($millions) | 4.1473% | 3,712 |
| Cash dividends to net income (ytd only)* | -0.2851% | 5,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5625% | 286 |
| Loan loss allowance to noncurrent loans | 107.4576% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 2.0597% | 655 |
| Noncurrent loans to loans | 2.3846% | 676 |
| Net loans and leases to total assets | 61.1880% | 3,700 |
| Net loans and leases to deposits | 77.6677% | 3,142 |
| Net loans and leases to core deposits | 80.5186% | 3,347 |
| Total domestic deposits to total assets | 78.7818% | 4,843 |
| Equity capital to assets | 20.4035% | 197 |
| Core capital (leverage) ratio | 20.6694% | 177 |
| Tier 1 risk-based capital ratio | 30.3845% | 466 |
| Total risk-based capital ratio | 31.6485% | 462 |
| Memoranda: | ||
| Average total assets | $246,366,200 | 2,537 |
| Average earning assets | $232,332,800 | 2,498 |
| Average equity | $46,665,400 | 1,622 |
| Average total loans | $157,785,800 | 2,544 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 4,670 |
| Cost of funding earning assets | 0.7397% | 668 |
| Net interest margin | 2.8158% | 5,333 |
| Noninterest income to average assets | 0.3268% | 4,442 |
| Noninterest expense to average assets | 5.3662% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -2.4211% | 5,952 |
| Return on assets (ROA) | -2.4259% | 5,952 |
| Pretax return on assets | -2.3890% | 5,949 |
| Return on Equity (ROE) | -13.0467% | 5,919 |
| Retained earnings to average equity (ytd only) | -13.0842% | 5,877 |
| Net charge-offs to loans | 0.0242% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -153.4313% | 3,944 |
| Efficiency ratio | 179.9497% | 17 |
| Assets per employee ($millions) | 3.9397% | 4,064 |
| Cash dividends to net income (ytd only)* | -0.2871% | 5,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7390% | 251 |
| Loan loss allowance to noncurrent loans | 102.3967% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 2.3399% | 605 |
| Noncurrent loans to loans | 2.6749% | 621 |
| Net loans and leases to total assets | 63.9628% | 3,407 |
| Net loans and leases to deposits | 82.9402% | 2,611 |
| Net loans and leases to core deposits | 87.1423% | 2,835 |
| Total domestic deposits to total assets | 77.1191% | 5,063 |
| Equity capital to assets | 22.1723% | 157 |
| Core capital (leverage) ratio | 21.1873% | 161 |
| Tier 1 risk-based capital ratio | 31.2274% | 438 |
| Total risk-based capital ratio | 32.4940% | 435 |
| Memoranda: | ||
| Average total assets | $248,858,750 | 2,524 |
| Average earning assets | $234,670,000 | 2,483 |
| Average equity | $46,273,500 | 1,643 |
| Average total loans | $160,119,750 | 2,521 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4266% | 5,028 |
| Cost of funding earning assets | 0.8152% | 450 |
| Net interest margin | 2.6114% | 5,656 |
| Noninterest income to average assets | 0.4176% | 3,766 |
| Noninterest expense to average assets | 5.1350% | 251 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -2.3064% | 6,024 |
| Return on assets (ROA) | -2.3135% | 6,025 |
| Pretax return on assets | -2.2585% | 6,019 |
| Return on Equity (ROE) | -13.2169% | 5,993 |
| Retained earnings to average equity (ytd only) | -13.2753% | 5,919 |
| Net charge-offs to loans | 0.3396% | 695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -10.3732% | 3,649 |
| Efficiency ratio | 178.0747% | 25 |
| Assets per employee ($millions) | 4.4917% | 3,045 |
| Cash dividends to net income (ytd only)* | -0.4419% | 6,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5271% | 352 |
| Loan loss allowance to noncurrent loans | 97.7177% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 2.2443% | 667 |
| Noncurrent loans to loans | 2.5861% | 653 |
| Net loans and leases to total assets | 59.3430% | 3,972 |
| Net loans and leases to deposits | 76.4025% | 3,335 |
| Net loans and leases to core deposits | 82.5307% | 3,221 |
| Total domestic deposits to total assets | 77.6715% | 5,056 |
| Equity capital to assets | 20.7716% | 196 |
| Core capital (leverage) ratio | 20.3099% | 184 |
| Tier 1 risk-based capital ratio | 31.5033% | 435 |
| Total risk-based capital ratio | 32.7666% | 428 |
| Memoranda: | ||
| Average total assets | $254,330,670 | 2,494 |
| Average earning assets | $240,178,000 | 2,451 |
| Average equity | $44,518,670 | 1,687 |
| Average total loans | $162,538,330 | 2,501 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 4,971 |
| Cost of funding earning assets | 0.8571% | 372 |
| Net interest margin | 2.6079% | 5,712 |
| Noninterest income to average assets | 0.4229% | 3,663 |
| Noninterest expense to average assets | 5.1585% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -2.3765% | 6,081 |
| Return on assets (ROA) | -2.3765% | 6,081 |
| Pretax return on assets | -2.2676% | 6,079 |
| Return on Equity (ROE) | -14.9897% | 6,050 |
| Retained earnings to average equity (ytd only) | -14.9897% | 5,906 |
| Net charge-offs to loans | 0.8296% | 249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -4.1773% | 3,038 |
| Efficiency ratio | 178.4389% | 26 |
| Assets per employee ($millions) | 4.5798% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3606% | 466 |
| Loan loss allowance to noncurrent loans | 83.5528% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 2.1128% | 802 |
| Noncurrent loans to loans | 2.8253% | 608 |
| Net loans and leases to total assets | 59.2547% | 3,882 |
| Net loans and leases to deposits | 76.2496% | 3,191 |
| Net loans and leases to core deposits | 82.4818% | 3,091 |
| Total domestic deposits to total assets | 77.7114% | 5,193 |
| Equity capital to assets | 20.1691% | 209 |
| Core capital (leverage) ratio | 23.3450% | 114 |
| Tier 1 risk-based capital ratio | 32.6068% | 408 |
| Total risk-based capital ratio | 33.8699% | 400 |
| Memoranda: | ||
| Average total assets | $253,482,500 | 2,515 |
| Average earning assets | $239,887,500 | 2,467 |
| Average equity | $40,187,500 | 1,840 |
| Average total loans | $165,871,000 | 2,457 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 4,702 |
| Cost of funding earning assets | 0.9190% | 262 |
| Net interest margin | 2.6714% | 5,682 |
| Noninterest income to average assets | 0.4865% | 3,423 |
| Noninterest expense to average assets | 6.4334% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -3.4562% | 6,169 |
| Return on assets (ROA) | -3.5112% | 6,170 |
| Pretax return on assets | -3.5112% | 6,168 |
| Return on Equity (ROE) | -28.4807% | 6,148 |
| Retained earnings to average equity (ytd only) | -28.5231% | 6,138 |
| Net charge-offs to loans | 0.9430% | 218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -5.4073% | 4,405 |
| Efficiency ratio | 216.0842% | 8 |
| Assets per employee ($millions) | 3.5337% | 4,766 |
| Cash dividends to net income (ytd only)* | -0.1487% | 6,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5137% | 390 |
| Loan loss allowance to noncurrent loans | 72.3328% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.7374% | 527 |
| Noncurrent loans to loans | 3.4752% | 408 |
| Net loans and leases to total assets | 69.0765% | 2,527 |
| Net loans and leases to deposits | 79.7392% | 2,851 |
| Net loans and leases to core deposits | 85.3413% | 2,844 |
| Total domestic deposits to total assets | 86.6279% | 2,308 |
| Equity capital to assets | 10.9294% | 2,899 |
| Core capital (leverage) ratio | 11.1140% | 2,297 |
| Tier 1 risk-based capital ratio | 15.3513% | 3,017 |
| Total risk-based capital ratio | 16.6168% | 2,939 |
| Memoranda: | ||
| Average total assets | $248,918,400 | 2,514 |
| Average earning assets | $232,090,000 | 2,493 |
| Average equity | $30,687,400 | 2,271 |
| Average total loans | $168,712,800 | 2,364 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 4,782 |
| Cost of funding earning assets | 0.9248% | 254 |
| Net interest margin | 2.6594% | 5,774 |
| Noninterest income to average assets | 0.4800% | 3,502 |
| Noninterest expense to average assets | 5.9643% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -3.0115% | 6,245 |
| Return on assets (ROA) | -3.0840% | 6,249 |
| Pretax return on assets | -3.0840% | 6,248 |
| Return on Equity (ROE) | -24.3663% | 6,231 |
| Retained earnings to average equity (ytd only) | -24.4207% | 6,218 |
| Net charge-offs to loans | 1.4536% | 102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -3.0896% | 4,099 |
| Efficiency ratio | 201.9892% | 16 |
| Assets per employee ($millions) | 3.1787% | 5,332 |
| Cash dividends to net income (ytd only)* | -0.2230% | 6,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3608% | 529 |
| Loan loss allowance to noncurrent loans | 61.6796% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.9702% | 516 |
| Noncurrent loans to loans | 3.8275% | 367 |
| Net loans and leases to total assets | 68.8031% | 2,564 |
| Net loans and leases to deposits | 80.4601% | 2,822 |
| Net loans and leases to core deposits | 85.2237% | 2,932 |
| Total domestic deposits to total assets | 85.5120% | 2,776 |
| Equity capital to assets | 12.1164% | 2,019 |
| Core capital (leverage) ratio | 12.2915% | 1,518 |
| Tier 1 risk-based capital ratio | 16.9614% | 2,395 |
| Total risk-based capital ratio | 18.2257% | 2,334 |
| Memoranda: | ||
| Average total assets | $251,959,250 | 2,513 |
| Average earning assets | $234,281,000 | 2,488 |
| Average equity | $31,890,250 | 2,216 |
| Average total loans | $168,951,250 | 2,378 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 4,786 |
| Cost of funding earning assets | 0.9450% | 228 |
| Net interest margin | 2.6306% | 5,844 |
| Noninterest income to average assets | 0.5576% | 2,993 |
| Noninterest expense to average assets | 5.7658% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -2.7706% | 6,317 |
| Return on assets (ROA) | -2.8774% | 6,319 |
| Pretax return on assets | -2.8774% | 6,318 |
| Return on Equity (ROE) | -22.4373% | 6,301 |
| Retained earnings to average equity (ytd only) | -22.5163% | 6,275 |
| Net charge-offs to loans | 0.6806% | 333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -6.1684% | 3,829 |
| Efficiency ratio | 192.5020% | 18 |
| Assets per employee ($millions) | 3.3046% | 5,156 |
| Cash dividends to net income (ytd only)* | -0.3523% | 6,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0413% | 261 |
| Loan loss allowance to noncurrent loans | 64.8853% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 3.7280% | 372 |
| Noncurrent loans to loans | 4.6872% | 275 |
| Net loans and leases to total assets | 70.1173% | 2,295 |
| Net loans and leases to deposits | 82.7982% | 2,463 |
| Net loans and leases to core deposits | 86.2340% | 2,744 |
| Total domestic deposits to total assets | 84.6846% | 3,254 |
| Equity capital to assets | 13.0190% | 1,395 |
| Core capital (leverage) ratio | 12.9027% | 1,209 |
| Tier 1 risk-based capital ratio | 17.9170% | 2,089 |
| Total risk-based capital ratio | 19.1893% | 2,032 |
| Memoranda: | ||
| Average total assets | $256,477,330 | 2,486 |
| Average earning assets | $237,663,000 | 2,479 |
| Average equity | $32,891,670 | 2,177 |
| Average total loans | $169,269,670 | 2,380 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 4,802 |
| Cost of funding earning assets | 1.0028% | 181 |
| Net interest margin | 2.5568% | 5,966 |
| Noninterest income to average assets | 0.7089% | 2,131 |
| Noninterest expense to average assets | 5.2846% | 247 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.2231% | 6,373 |
| Return on assets (ROA) | -2.4293% | 6,378 |
| Pretax return on assets | -2.4293% | 6,375 |
| Return on Equity (ROE) | -19.0727% | 6,356 |
| Retained earnings to average equity (ytd only) | -19.0727% | 6,263 |
| Net charge-offs to loans | 1.6560% | 110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -2.1252% | 3,207 |
| Efficiency ratio | 172.6155% | 30 |
| Assets per employee ($millions) | 3.9347% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0568% | 283 |
| Loan loss allowance to noncurrent loans | 56.7544% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 3.8634% | 396 |
| Noncurrent loans to loans | 5.3861% | 222 |
| Net loans and leases to total assets | 62.4404% | 3,297 |
| Net loans and leases to deposits | 73.8101% | 3,334 |
| Net loans and leases to core deposits | 78.0339% | 3,375 |
| Total domestic deposits to total assets | 84.5959% | 3,581 |
| Equity capital to assets | 12.7386% | 1,548 |
| Core capital (leverage) ratio | 12.3415% | 1,431 |
| Tier 1 risk-based capital ratio | 19.6052% | 1,710 |
| Total risk-based capital ratio | 20.8776% | 1,669 |
| Memoranda: | ||
| Average total assets | $265,751,000 | 2,421 |
| Average earning assets | $244,520,500 | 2,434 |
| Average equity | $33,849,500 | 2,131 |
| Average total loans | $167,873,000 | 2,395 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5096% | 5,292 |
| Cost of funding earning assets | 1.0315% | 194 |
| Net interest margin | 2.4781% | 6,175 |
| Noninterest income to average assets | 0.2597% | 5,271 |
| Noninterest expense to average assets | 5.3139% | 257 |
| Loan and lease loss provision to assets | 1.6076% | 49 |
| Net operating income to assets | -6.9047% | 6,502 |
| Return on assets (ROA) | -6.9047% | 6,503 |
| Pretax return on assets | -4.3845% | 6,492 |
| Return on Equity (ROE) | -41.4291% | 6,479 |
| Retained earnings to average equity (ytd only) | -41.4554% | 6,476 |
| Net charge-offs to loans | 2.8549% | 39 |
| Credit loss provision to net charge-offs | 91.2694% | 2,620 |
| Earnings coverage of net charge-offs (x) | -1.5765% | 4,822 |
| Efficiency ratio | 209.4510% | 19 |
| Assets per employee ($millions) | 3.9393% | 4,089 |
| Cash dividends to net income (ytd only)* | -0.0635% | 6,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4473% | 193 |
| Loan loss allowance to noncurrent loans | 68.1770% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 3.5573% | 520 |
| Noncurrent loans to loans | 5.0564% | 286 |
| Net loans and leases to total assets | 59.8478% | 3,808 |
| Net loans and leases to deposits | 71.2466% | 3,763 |
| Net loans and leases to core deposits | 75.8153% | 3,733 |
| Total domestic deposits to total assets | 84.0010% | 3,716 |
| Equity capital to assets | 12.7361% | 1,513 |
| Core capital (leverage) ratio | 12.0812% | 1,574 |
| Tier 1 risk-based capital ratio | 16.7776% | 2,604 |
| Total risk-based capital ratio | 18.0517% | 2,545 |
| Memoranda: | ||
| Average total assets | $296,522,000 | 2,172 |
| Average earning assets | $272,509,400 | 2,176 |
| Average equity | $49,419,400 | 1,461 |
| Average total loans | $182,950,200 | 2,198 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5104% | 5,372 |
| Cost of funding earning assets | 1.0243% | 224 |
| Net interest margin | 2.4860% | 6,241 |
| Noninterest income to average assets | 0.2312% | 5,549 |
| Noninterest expense to average assets | 5.1271% | 282 |
| Loan and lease loss provision to assets | 1.2113% | 75 |
| Net operating income to assets | -2.1200% | 6,532 |
| Return on assets (ROA) | -2.1200% | 6,533 |
| Pretax return on assets | -3.8162% | 6,568 |
| Return on Equity (ROE) | -12.0806% | 6,471 |
| Retained earnings to average equity (ytd only) | -12.1132% | 6,417 |
| Net charge-offs to loans | 3.0180% | 36 |
| Credit loss provision to net charge-offs | 65.1196% | 2,851 |
| Earnings coverage of net charge-offs (x) | -1.4004% | 4,541 |
| Efficiency ratio | 203.2833% | 22 |
| Assets per employee ($millions) | 4.7272% | 2,623 |
| Cash dividends to net income (ytd only)* | -0.2701% | 6,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8106% | 434 |
| Loan loss allowance to noncurrent loans | 48.5853% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 3.5244% | 604 |
| Noncurrent loans to loans | 5.7850% | 256 |
| Net loans and leases to total assets | 57.4514% | 4,143 |
| Net loans and leases to deposits | 72.5831% | 3,615 |
| Net loans and leases to core deposits | 77.6399% | 3,569 |
| Total domestic deposits to total assets | 79.1526% | 5,288 |
| Equity capital to assets | 17.4697% | 377 |
| Core capital (leverage) ratio | 13.7456% | 913 |
| Tier 1 risk-based capital ratio | 18.3691% | 2,097 |
| Total risk-based capital ratio | 19.6351% | 2,056 |
| Memoranda: | ||
| Average total assets | $302,699,750 | 2,156 |
| Average earning assets | $278,939,500 | 2,149 |
| Average equity | $53,119,750 | 1,381 |
| Average total loans | $186,567,500 | 2,166 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 5,344 |
| Cost of funding earning assets | 1.0042% | 254 |
| Net interest margin | 2.5256% | 6,244 |
| Noninterest income to average assets | 0.2166% | 5,654 |
| Noninterest expense to average assets | 5.4683% | 237 |
| Loan and lease loss provision to assets | 0.5204% | 282 |
| Net operating income to assets | -1.8967% | 6,592 |
| Return on assets (ROA) | -1.8967% | 6,590 |
| Pretax return on assets | -3.4311% | 6,634 |
| Return on Equity (ROE) | -10.7931% | 6,521 |
| Retained earnings to average equity (ytd only) | -10.8413% | 6,438 |
| Net charge-offs to loans | 3.3594% | 39 |
| Credit loss provision to net charge-offs | 24.8139% | 3,123 |
| Earnings coverage of net charge-offs (x) | -1.3880% | 4,225 |
| Efficiency ratio | 213.8098% | 16 |
| Assets per employee ($millions) | 4.8041% | 2,469 |
| Cash dividends to net income (ytd only)* | -0.4458% | 6,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0937% | 1,186 |
| Loan loss allowance to noncurrent loans | 31.9308% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 4.5814% | 422 |
| Noncurrent loans to loans | 6.5571% | 207 |
| Net loans and leases to total assets | 59.3290% | 3,817 |
| Net loans and leases to deposits | 74.6628% | 3,246 |
| Net loans and leases to core deposits | 79.8648% | 3,228 |
| Total domestic deposits to total assets | 79.4626% | 5,353 |
| Equity capital to assets | 17.2654% | 386 |
| Core capital (leverage) ratio | 14.6370% | 668 |
| Tier 1 risk-based capital ratio | 18.8148% | 1,968 |
| Total risk-based capital ratio | 20.0767% | 1,929 |
| Memoranda: | ||
| Average total assets | $307,479,000 | 2,123 |
| Average earning assets | $285,005,670 | 2,104 |
| Average equity | $54,034,330 | 1,343 |
| Average total loans | $191,937,000 | 2,112 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 5,142 |
| Cost of funding earning assets | 1.0053% | 269 |
| Net interest margin | 2.6051% | 6,232 |
| Noninterest income to average assets | 0.4763% | 3,589 |
| Noninterest expense to average assets | 3.8801% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5228% | 6,482 |
| Return on assets (ROA) | -0.5228% | 6,480 |
| Pretax return on assets | -0.9887% | 6,557 |
| Return on Equity (ROE) | -2.9495% | 6,404 |
| Retained earnings to average equity (ytd only) | -2.9495% | 5,959 |
| Net charge-offs to loans | 0.7197% | 488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -2.1700% | 3,541 |
| Efficiency ratio | 134.1964% | 104 |
| Assets per employee ($millions) | 4.8784% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0616% | 402 |
| Loan loss allowance to noncurrent loans | 42.0981% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 6.2864% | 262 |
| Noncurrent loans to loans | 7.2726% | 205 |
| Net loans and leases to total assets | 61.8770% | 3,258 |
| Net loans and leases to deposits | 77.9832% | 2,561 |
| Net loans and leases to core deposits | 83.0571% | 2,638 |
| Total domestic deposits to total assets | 79.3466% | 5,622 |
| Equity capital to assets | 18.1007% | 320 |
| Core capital (leverage) ratio | 15.6952% | 516 |
| Tier 1 risk-based capital ratio | 20.1261% | 1,690 |
| Total risk-based capital ratio | 21.3921% | 1,656 |
| Memoranda: | ||
| Average total assets | $309,889,500 | 2,112 |
| Average earning assets | $287,286,500 | 2,095 |
| Average equity | $54,924,000 | 1,315 |
| Average total loans | $196,203,500 | 2,084 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 4,811 |
| Cost of funding earning assets | 1.1012% | 279 |
| Net interest margin | 2.7008% | 6,141 |
| Noninterest income to average assets | 0.6625% | 2,743 |
| Noninterest expense to average assets | 3.5465% | 1,554 |
| Loan and lease loss provision to assets | 1.4270% | 102 |
| Net operating income to assets | -0.9942% | 6,608 |
| Return on assets (ROA) | -1.6643% | 6,683 |
| Pretax return on assets | -2.8068% | 6,749 |
| Return on Equity (ROE) | -11.4155% | 6,600 |
| Retained earnings to average equity (ytd only) | -30.7310% | 6,722 |
| Net charge-offs to loans | 1.5395% | 304 |
| Credit loss provision to net charge-offs | 145.4976% | 1,599 |
| Earnings coverage of net charge-offs (x) | -0.3393% | 5,172 |
| Efficiency ratio | 110.3558% | 265 |
| Assets per employee ($millions) | 5.2886% | 1,862 |
| Cash dividends to net income (ytd only)* | -169.2050% | 6,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1429% | 401 |
| Loan loss allowance to noncurrent loans | 44.6448% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 6.1232% | 309 |
| Noncurrent loans to loans | 7.0397% | 239 |
| Net loans and leases to total assets | 60.8466% | 3,567 |
| Net loans and leases to deposits | 76.4222% | 2,924 |
| Net loans and leases to core deposits | 81.3260% | 2,972 |
| Total domestic deposits to total assets | 79.6191% | 5,527 |
| Equity capital to assets | 17.3644% | 370 |
| Core capital (leverage) ratio | 15.2058% | 584 |
| Tier 1 risk-based capital ratio | 20.9887% | 1,421 |
| Total risk-based capital ratio | 22.2577% | 1,398 |
| Memoranda: | ||
| Average total assets | $322,710,800 | 1,991 |
| Average earning assets | $304,838,800 | 1,944 |
| Average equity | $47,050,200 | 1,492 |
| Average total loans | $205,583,400 | 1,959 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 4,682 |
| Cost of funding earning assets | 1.1149% | 290 |
| Net interest margin | 2.7292% | 6,122 |
| Noninterest income to average assets | 0.7085% | 2,559 |
| Noninterest expense to average assets | 3.4281% | 1,763 |
| Loan and lease loss provision to assets | 0.5711% | 444 |
| Net operating income to assets | -0.4479% | 6,577 |
| Return on assets (ROA) | -1.3516% | 6,747 |
| Pretax return on assets | -2.0926% | 6,805 |
| Return on Equity (ROE) | -9.7249% | 6,686 |
| Retained earnings to average equity (ytd only) | -36.6291% | 6,834 |
| Net charge-offs to loans | 1.2719% | 419 |
| Credit loss provision to net charge-offs | 70.2429% | 3,065 |
| Earnings coverage of net charge-offs (x) | -0.1614% | 4,904 |
| Efficiency ratio | 103.9810% | 363 |
| Assets per employee ($millions) | 5.6666% | 1,483 |
| Cash dividends to net income (ytd only)* | -276.6515% | 6,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0577% | 1,596 |
| Loan loss allowance to noncurrent loans | 30.5062% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 5.6730% | 446 |
| Noncurrent loans to loans | 6.7452% | 322 |
| Net loans and leases to total assets | 61.3610% | 3,468 |
| Net loans and leases to deposits | 77.1813% | 2,799 |
| Net loans and leases to core deposits | 82.6053% | 2,821 |
| Total domestic deposits to total assets | 79.5024% | 5,629 |
| Equity capital to assets | 17.4090% | 373 |
| Core capital (leverage) ratio | 17.2341% | 367 |
| Tier 1 risk-based capital ratio | 28.3609% | 604 |
| Total risk-based capital ratio | 29.6232% | 589 |
| Memoranda: | ||
| Average total assets | $324,059,500 | 1,995 |
| Average earning assets | $307,340,250 | 1,935 |
| Average equity | $45,037,750 | 1,569 |
| Average total loans | $207,144,000 | 1,954 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 4,488 |
| Cost of funding earning assets | 1.1289% | 291 |
| Net interest margin | 2.7689% | 6,064 |
| Noninterest income to average assets | 0.7286% | 2,510 |
| Noninterest expense to average assets | 3.3982% | 1,826 |
| Loan and lease loss provision to assets | 0.8607% | 237 |
| Net operating income to assets | -0.6551% | 6,684 |
| Return on assets (ROA) | -0.4781% | 6,642 |
| Pretax return on assets | -0.6579% | 6,677 |
| Return on Equity (ROE) | -3.7630% | 6,608 |
| Retained earnings to average equity (ytd only) | -3.8264% | 6,377 |
| Net charge-offs to loans | 1.6535% | 298 |
| Credit loss provision to net charge-offs | 80.8858% | 2,608 |
| Earnings coverage of net charge-offs (x) | -0.0373% | 4,562 |
| Efficiency ratio | 101.1817% | 449 |
| Assets per employee ($millions) | 5.5087% | 1,583 |
| Cash dividends to net income (ytd only)* | -1.6861% | 6,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2459% | 1,343 |
| Loan loss allowance to noncurrent loans | 32.4623% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 5.9752% | 460 |
| Noncurrent loans to loans | 6.9184% | 357 |
| Net loans and leases to total assets | 62.3371% | 3,234 |
| Net loans and leases to deposits | 74.2583% | 3,113 |
| Net loans and leases to core deposits | 79.2819% | 3,117 |
| Total domestic deposits to total assets | 83.9463% | 4,341 |
| Equity capital to assets | 12.4677% | 1,598 |
| Core capital (leverage) ratio | 12.0151% | 1,606 |
| Tier 1 risk-based capital ratio | 19.4948% | 1,856 |
| Total risk-based capital ratio | 20.7584% | 1,830 |
| Memoranda: | ||
| Average total assets | $322,525,000 | 2,012 |
| Average earning assets | $306,327,670 | 1,953 |
| Average equity | $40,978,000 | 1,718 |
| Average total loans | $207,556,000 | 1,958 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 4,469 |
| Cost of funding earning assets | 1.1292% | 318 |
| Net interest margin | 2.7718% | 6,084 |
| Noninterest income to average assets | 1.1188% | 1,189 |
| Noninterest expense to average assets | 3.2731% | 2,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3122% | 5,528 |
| Return on assets (ROA) | 0.4908% | 4,869 |
| Pretax return on assets | 0.7687% | 4,300 |
| Return on Equity (ROE) | 3.8288% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.8288% | 3,930 |
| Net charge-offs to loans | 0.4299% | 1,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.7621% | 3,249 |
| Efficiency ratio | 86.9876% | 1,416 |
| Assets per employee ($millions) | 5.8287% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2312% | 1,525 |
| Loan loss allowance to noncurrent loans | 25.2818% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 6.5132% | 459 |
| Noncurrent loans to loans | 8.8253% | 276 |
| Net loans and leases to total assets | 62.8487% | 2,911 |
| Net loans and leases to deposits | 74.7606% | 2,805 |
| Net loans and leases to core deposits | 79.8955% | 2,820 |
| Total domestic deposits to total assets | 84.0666% | 4,445 |
| Equity capital to assets | 13.0608% | 1,400 |
| Core capital (leverage) ratio | 12.1564% | 1,484 |
| Tier 1 risk-based capital ratio | 19.7062% | 1,849 |
| Total risk-based capital ratio | 20.9697% | 1,817 |
| Memoranda: | ||
| Average total assets | $326,789,500 | 2,017 |
| Average earning assets | $311,714,500 | 1,946 |
| Average equity | $41,893,000 | 1,709 |
| Average total loans | $211,217,500 | 1,937 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 4,782 |
| Cost of funding earning assets | 1.2655% | 423 |
| Net interest margin | 2.8817% | 6,260 |
| Noninterest income to average assets | 0.4276% | 4,399 |
| Noninterest expense to average assets | 3.8421% | 1,183 |
| Loan and lease loss provision to assets | 0.1536% | 3,690 |
| Net operating income to assets | -0.5462% | 6,594 |
| Return on assets (ROA) | -0.3886% | 6,555 |
| Pretax return on assets | -0.6008% | 6,615 |
| Return on Equity (ROE) | -3.1946% | 6,506 |
| Retained earnings to average equity (ytd only) | -3.2251% | 6,280 |
| Net charge-offs to loans | 0.7683% | 1,524 |
| Credit loss provision to net charge-offs | 30.1961% | 5,108 |
| Earnings coverage of net charge-offs (x) | -1.3563% | 5,790 |
| Efficiency ratio | 121.8798% | 196 |
| Assets per employee ($millions) | 5.6441% | 1,568 |
| Cash dividends to net income (ytd only)* | -0.9531% | 7,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2301% | 1,503 |
| Loan loss allowance to noncurrent loans | 26.1745% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 6.3769% | 522 |
| Noncurrent loans to loans | 8.5201% | 328 |
| Net loans and leases to total assets | 63.5232% | 2,974 |
| Net loans and leases to deposits | 75.1404% | 2,932 |
| Net loans and leases to core deposits | 80.6301% | 2,925 |
| Total domestic deposits to total assets | 84.5394% | 4,070 |
| Equity capital to assets | 12.5873% | 1,644 |
| Core capital (leverage) ratio | 11.5419% | 1,847 |
| Tier 1 risk-based capital ratio | 18.8701% | 1,995 |
| Total risk-based capital ratio | 20.1339% | 1,958 |
| Memoranda: | ||
| Average total assets | $351,009,000 | 1,846 |
| Average earning assets | $331,892,000 | 1,782 |
| Average equity | $42,696,800 | 1,631 |
| Average total loans | $232,326,600 | 1,752 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 4,833 |
| Cost of funding earning assets | 1.2831% | 475 |
| Net interest margin | 2.9127% | 6,330 |
| Noninterest income to average assets | 0.4395% | 4,372 |
| Noninterest expense to average assets | 3.8618% | 1,115 |
| Loan and lease loss provision to assets | 0.2021% | 3,064 |
| Net operating income to assets | -0.6214% | 6,746 |
| Return on assets (ROA) | -0.5937% | 6,763 |
| Pretax return on assets | -0.8371% | 6,814 |
| Return on Equity (ROE) | -4.9208% | 6,712 |
| Retained earnings to average equity (ytd only) | -4.9612% | 6,612 |
| Net charge-offs to loans | 0.8982% | 1,214 |
| Credit loss provision to net charge-offs | 33.8568% | 4,729 |
| Earnings coverage of net charge-offs (x) | -1.1288% | 5,584 |
| Efficiency ratio | 121.1412% | 186 |
| Assets per employee ($millions) | 5.6782% | 1,476 |
| Cash dividends to net income (ytd only)* | -0.8211% | 7,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2812% | 1,558 |
| Loan loss allowance to noncurrent loans | 24.8761% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 6.9246% | 524 |
| Noncurrent loans to loans | 9.1703% | 295 |
| Net loans and leases to total assets | 62.0587% | 3,367 |
| Net loans and leases to deposits | 72.9251% | 3,460 |
| Net loans and leases to core deposits | 78.5252% | 3,390 |
| Total domestic deposits to total assets | 85.0993% | 3,703 |
| Equity capital to assets | 12.1840% | 2,123 |
| Core capital (leverage) ratio | 11.1719% | 2,231 |
| Tier 1 risk-based capital ratio | 18.3274% | 2,220 |
| Total risk-based capital ratio | 19.5914% | 2,188 |
| Memoranda: | ||
| Average total assets | $355,511,000 | 1,848 |
| Average earning assets | $335,438,500 | 1,792 |
| Average equity | $42,892,000 | 1,639 |
| Average total loans | $236,318,750 | 1,752 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 4,676 |
| Cost of funding earning assets | 1.3019% | 528 |
| Net interest margin | 2.9703% | 6,294 |
| Noninterest income to average assets | 0.5768% | 3,403 |
| Noninterest expense to average assets | 3.8750% | 1,109 |
| Loan and lease loss provision to assets | 0.3006% | 2,181 |
| Net operating income to assets | -0.5698% | 6,766 |
| Return on assets (ROA) | -0.5461% | 6,786 |
| Pretax return on assets | -0.7709% | 6,836 |
| Return on Equity (ROE) | -4.5406% | 6,755 |
| Retained earnings to average equity (ytd only) | -4.6009% | 6,595 |
| Net charge-offs to loans | 1.0671% | 1,028 |
| Credit loss provision to net charge-offs | 41.7829% | 4,223 |
| Earnings coverage of net charge-offs (x) | -0.7000% | 5,269 |
| Efficiency ratio | 114.9404% | 268 |
| Assets per employee ($millions) | 5.7303% | 1,421 |
| Cash dividends to net income (ytd only)* | -1.3279% | 7,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3221% | 1,555 |
| Loan loss allowance to noncurrent loans | 28.7614% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 6.5942% | 618 |
| Noncurrent loans to loans | 8.0738% | 423 |
| Net loans and leases to total assets | 62.9868% | 3,236 |
| Net loans and leases to deposits | 73.6174% | 3,355 |
| Net loans and leases to core deposits | 79.1889% | 3,340 |
| Total domestic deposits to total assets | 85.5596% | 3,584 |
| Equity capital to assets | 11.9933% | 2,156 |
| Core capital (leverage) ratio | 11.0238% | 2,270 |
| Tier 1 risk-based capital ratio | 17.5516% | 2,459 |
| Total risk-based capital ratio | 18.8154% | 2,416 |
| Memoranda: | ||
| Average total assets | $358,557,330 | 1,835 |
| Average earning assets | $337,341,670 | 1,781 |
| Average equity | $43,122,000 | 1,621 |
| Average total loans | $241,767,670 | 1,706 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 4,585 |
| Cost of funding earning assets | 1.3220% | 577 |
| Net interest margin | 3.0140% | 6,263 |
| Noninterest income to average assets | 1.5636% | 591 |
| Noninterest expense to average assets | 3.7868% | 1,229 |
| Loan and lease loss provision to assets | 0.1444% | 3,559 |
| Net operating income to assets | 0.2818% | 5,717 |
| Return on assets (ROA) | 0.3032% | 5,814 |
| Pretax return on assets | 0.4886% | 5,466 |
| Return on Equity (ROE) | 2.5174% | 5,897 |
| Retained earnings to average equity (ytd only) | 2.5174% | 4,997 |
| Net charge-offs to loans | 0.5594% | 1,687 |
| Credit loss provision to net charge-offs | 37.4640% | 3,490 |
| Earnings coverage of net charge-offs (x) | 1.5562% | 3,554 |
| Efficiency ratio | 86.3291% | 1,449 |
| Assets per employee ($millions) | 5.7638% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4640% | 1,407 |
| Loan loss allowance to noncurrent loans | 26.0957% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 8.9161% | 395 |
| Noncurrent loans to loans | 9.4420% | 335 |
| Net loans and leases to total assets | 63.8060% | 2,889 |
| Net loans and leases to deposits | 74.5534% | 3,035 |
| Net loans and leases to core deposits | 80.2935% | 3,041 |
| Total domestic deposits to total assets | 85.5843% | 3,745 |
| Equity capital to assets | 11.9900% | 2,051 |
| Core capital (leverage) ratio | 11.6135% | 1,824 |
| Tier 1 risk-based capital ratio | 17.6989% | 2,405 |
| Total risk-based capital ratio | 18.9640% | 2,369 |
| Memoranda: | ||
| Average total assets | $360,195,500 | 1,840 |
| Average earning assets | $337,364,500 | 1,792 |
| Average equity | $43,378,000 | 1,609 |
| Average total loans | $248,101,500 | 1,673 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 4,942 |
| Cost of funding earning assets | 1.4629% | 826 |
| Net interest margin | 3.0700% | 6,406 |
| Noninterest income to average assets | 1.3977% | 662 |
| Noninterest expense to average assets | 3.5598% | 1,834 |
| Loan and lease loss provision to assets | 0.3765% | 2,735 |
| Net operating income to assets | 0.2182% | 5,532 |
| Return on assets (ROA) | 0.2899% | 5,447 |
| Pretax return on assets | 0.4726% | 5,066 |
| Return on Equity (ROE) | 2.5277% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.4970% | 4,451 |
| Net charge-offs to loans | 1.2009% | 1,399 |
| Credit loss provision to net charge-offs | 42.1260% | 5,593 |
| Earnings coverage of net charge-offs (x) | 0.8247% | 5,181 |
| Efficiency ratio | 82.8472% | 1,905 |
| Assets per employee ($millions) | 5.7625% | 1,398 |
| Cash dividends to net income (ytd only)* | 1.2138% | 4,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3471% | 1,546 |
| Loan loss allowance to noncurrent loans | 20.2326% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 11.1203% | 259 |
| Noncurrent loans to loans | 11.6006% | 238 |
| Net loans and leases to total assets | 70.6989% | 1,885 |
| Net loans and leases to deposits | 82.9046% | 2,080 |
| Net loans and leases to core deposits | 89.6510% | 2,174 |
| Total domestic deposits to total assets | 85.2774% | 3,703 |
| Equity capital to assets | 12.0966% | 2,046 |
| Core capital (leverage) ratio | 11.2937% | 2,045 |
| Tier 1 risk-based capital ratio | 16.9838% | 2,618 |
| Total risk-based capital ratio | 18.2492% | 2,558 |
| Memoranda: | ||
| Average total assets | $369,453,800 | 1,761 |
| Average earning assets | $348,890,600 | 1,699 |
| Average equity | $42,370,400 | 1,587 |
| Average total loans | $274,950,600 | 1,541 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 4,640 |
| Cost of funding earning assets | 1.4673% | 960 |
| Net interest margin | 3.1918% | 6,178 |
| Noninterest income to average assets | 1.7088% | 475 |
| Noninterest expense to average assets | 3.6087% | 1,690 |
| Loan and lease loss provision to assets | 0.3941% | 2,495 |
| Net operating income to assets | 0.4680% | 4,682 |
| Return on assets (ROA) | 0.4965% | 4,752 |
| Pretax return on assets | 0.7706% | 4,240 |
| Return on Equity (ROE) | 4.3865% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.3454% | 3,634 |
| Net charge-offs to loans | 1.3208% | 1,162 |
| Credit loss provision to net charge-offs | 39.8336% | 5,251 |
| Earnings coverage of net charge-offs (x) | 1.1324% | 4,777 |
| Efficiency ratio | 76.3094% | 2,796 |
| Assets per employee ($millions) | 6.1326% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.9371% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5181% | 1,373 |
| Loan loss allowance to noncurrent loans | 20.0501% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 11.2199% | 272 |
| Noncurrent loans to loans | 12.5588% | 215 |
| Net loans and leases to total assets | 66.4831% | 2,787 |
| Net loans and leases to deposits | 77.6493% | 3,060 |
| Net loans and leases to core deposits | 86.9986% | 2,638 |
| Total domestic deposits to total assets | 85.6197% | 3,432 |
| Equity capital to assets | 11.8735% | 2,355 |
| Core capital (leverage) ratio | 11.1782% | 2,256 |
| Tier 1 risk-based capital ratio | 16.7597% | 2,733 |
| Total risk-based capital ratio | 18.0262% | 2,700 |
| Memoranda: | ||
| Average total assets | $372,499,000 | 1,749 |
| Average earning assets | $352,482,000 | 1,685 |
| Average equity | $42,158,500 | 1,600 |
| Average total loans | $279,023,500 | 1,537 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 4,534 |
| Cost of funding earning assets | 1.4676% | 1,127 |
| Net interest margin | 3.2327% | 6,052 |
| Noninterest income to average assets | 1.6791% | 476 |
| Noninterest expense to average assets | 3.5598% | 1,840 |
| Loan and lease loss provision to assets | 0.2807% | 3,134 |
| Net operating income to assets | 0.5819% | 4,144 |
| Return on assets (ROA) | 0.5813% | 4,278 |
| Pretax return on assets | 0.9058% | 3,590 |
| Return on Equity (ROE) | 5.2199% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.1575% | 2,906 |
| Net charge-offs to loans | 0.9363% | 1,665 |
| Credit loss provision to net charge-offs | 38.8889% | 4,835 |
| Earnings coverage of net charge-offs (x) | 1.6452% | 4,059 |
| Efficiency ratio | 74.9831% | 3,180 |
| Assets per employee ($millions) | 5.7023% | 1,393 |
| Cash dividends to net income (ytd only)* | 1.1960% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5483% | 1,377 |
| Loan loss allowance to noncurrent loans | 21.6623% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 10.4155% | 354 |
| Noncurrent loans to loans | 11.7637% | 270 |
| Net loans and leases to total assets | 74.9967% | 1,242 |
| Net loans and leases to deposits | 88.0993% | 1,488 |
| Net loans and leases to core deposits | 98.9516% | 1,437 |
| Total domestic deposits to total assets | 85.1275% | 3,822 |
| Equity capital to assets | 11.6945% | 2,330 |
| Core capital (leverage) ratio | 10.8148% | 2,409 |
| Tier 1 risk-based capital ratio | 15.7054% | 3,124 |
| Total risk-based capital ratio | 16.9742% | 3,093 |
| Memoranda: | ||
| Average total assets | $374,013,670 | 1,749 |
| Average earning assets | $354,992,670 | 1,684 |
| Average equity | $41,648,330 | 1,609 |
| Average total loans | $288,382,330 | 1,507 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 4,835 |
| Cost of funding earning assets | 1.4391% | 1,438 |
| Net interest margin | 3.1889% | 6,104 |
| Noninterest income to average assets | 1.4825% | 583 |
| Noninterest expense to average assets | 3.4257% | 2,209 |
| Loan and lease loss provision to assets | 0.3434% | 2,505 |
| Net operating income to assets | 0.4354% | 4,780 |
| Return on assets (ROA) | 0.4375% | 4,853 |
| Pretax return on assets | 0.7418% | 4,137 |
| Return on Equity (ROE) | 4.0260% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.0260% | 3,753 |
| Net charge-offs to loans | 1.4171% | 967 |
| Credit loss provision to net charge-offs | 31.4010% | 4,096 |
| Earnings coverage of net charge-offs (x) | 0.9894% | 3,918 |
| Efficiency ratio | 75.9962% | 3,166 |
| Assets per employee ($millions) | 6.0313% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5175% | 1,436 |
| Loan loss allowance to noncurrent loans | 20.9038% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 10.4037% | 381 |
| Noncurrent loans to loans | 12.0435% | 275 |
| Net loans and leases to total assets | 74.1064% | 1,326 |
| Net loans and leases to deposits | 86.4374% | 1,660 |
| Net loans and leases to core deposits | 107.2330% | 881 |
| Total domestic deposits to total assets | 85.7341% | 3,678 |
| Equity capital to assets | 10.8906% | 2,786 |
| Core capital (leverage) ratio | 10.3508% | 2,757 |
| Tier 1 risk-based capital ratio | 14.5484% | 3,706 |
| Total risk-based capital ratio | 15.8163% | 3,657 |
| Memoranda: | ||
| Average total assets | $378,546,500 | 1,736 |
| Average earning assets | $359,120,500 | 1,677 |
| Average equity | $41,133,000 | 1,623 |
| Average total loans | $292,145,500 | 1,505 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 5,728 |
| Cost of funding earning assets | 1.6057% | 2,041 |
| Net interest margin | 3.1151% | 6,483 |
| Noninterest income to average assets | 0.8563% | 2,029 |
| Noninterest expense to average assets | 3.2244% | 3,000 |
| Loan and lease loss provision to assets | 0.5738% | 2,838 |
| Net operating income to assets | -0.0067% | 5,847 |
| Return on assets (ROA) | 0.1137% | 5,692 |
| Pretax return on assets | 0.1984% | 5,493 |
| Return on Equity (ROE) | 1.0886% | 5,667 |
| Retained earnings to average equity (ytd only) | 1.0569% | 5,014 |
| Net charge-offs to loans | 0.6602% | 3,030 |
| Credit loss provision to net charge-offs | 114.5038% | 3,792 |
| Earnings coverage of net charge-offs (x) | 1.1654% | 4,944 |
| Efficiency ratio | 84.6659% | 1,839 |
| Assets per employee ($millions) | 5.9861% | 1,219 |
| Cash dividends to net income (ytd only)* | 2.9148% | 3,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7018% | 1,162 |
| Loan loss allowance to noncurrent loans | 22.6061% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 10.6074% | 367 |
| Noncurrent loans to loans | 11.9514% | 295 |
| Net loans and leases to total assets | 76.2231% | 1,234 |
| Net loans and leases to deposits | 88.9857% | 1,651 |
| Net loans and leases to core deposits | 112.3806% | 792 |
| Total domestic deposits to total assets | 85.6577% | 3,521 |
| Equity capital to assets | 10.8413% | 2,823 |
| Core capital (leverage) ratio | 10.2211% | 2,844 |
| Tier 1 risk-based capital ratio | 14.0414% | 3,845 |
| Total risk-based capital ratio | 15.3116% | 3,800 |
| Memoranda: | ||
| Average total assets | $392,133,000 | 1,679 |
| Average earning assets | $371,612,000 | 1,621 |
| Average equity | $40,970,200 | 1,614 |
| Average total loans | $297,617,600 | 1,506 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 5,864 |
| Cost of funding earning assets | 1.6422% | 2,148 |
| Net interest margin | 3.1048% | 6,605 |
| Noninterest income to average assets | 0.7652% | 2,419 |
| Noninterest expense to average assets | 3.2237% | 2,841 |
| Loan and lease loss provision to assets | 0.6062% | 2,513 |
| Net operating income to assets | -0.0317% | 6,064 |
| Return on assets (ROA) | 0.0162% | 6,090 |
| Pretax return on assets | -0.0495% | 6,166 |
| Return on Equity (ROE) | 0.1561% | 6,082 |
| Retained earnings to average equity (ytd only) | 0.1139% | 5,730 |
| Net charge-offs to loans | 0.6144% | 2,901 |
| Credit loss provision to net charge-offs | 131.0044% | 3,081 |
| Earnings coverage of net charge-offs (x) | 1.0415% | 5,020 |
| Efficiency ratio | 86.9945% | 1,534 |
| Assets per employee ($millions) | 6.4077% | 1,015 |
| Cash dividends to net income (ytd only)* | 27.0781% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7501% | 1,037 |
| Loan loss allowance to noncurrent loans | 22.5026% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 10.2067% | 393 |
| Noncurrent loans to loans | 12.2212% | 274 |
| Net loans and leases to total assets | 72.3043% | 2,190 |
| Net loans and leases to deposits | 84.7085% | 2,575 |
| Net loans and leases to core deposits | 103.2713% | 1,547 |
| Total domestic deposits to total assets | 85.3566% | 3,431 |
| Equity capital to assets | 10.4604% | 3,559 |
| Core capital (leverage) ratio | 10.1599% | 3,085 |
| Tier 1 risk-based capital ratio | 14.3680% | 3,585 |
| Total risk-based capital ratio | 15.6384% | 3,544 |
| Memoranda: | ||
| Average total assets | $395,885,500 | 1,690 |
| Average earning assets | $374,939,000 | 1,631 |
| Average equity | $40,991,500 | 1,617 |
| Average total loans | $298,162,750 | 1,519 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 5,563 |
| Cost of funding earning assets | 1.6575% | 2,341 |
| Net interest margin | 3.2056% | 6,301 |
| Noninterest income to average assets | 0.5736% | 3,518 |
| Noninterest expense to average assets | 3.0995% | 3,325 |
| Loan and lease loss provision to assets | 0.4552% | 3,046 |
| Net operating income to assets | 0.0398% | 6,008 |
| Return on assets (ROA) | 0.1386% | 5,869 |
| Pretax return on assets | 0.1578% | 5,868 |
| Return on Equity (ROE) | 1.3430% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.2793% | 5,242 |
| Net charge-offs to loans | 0.4413% | 3,218 |
| Credit loss provision to net charge-offs | 136.3636% | 2,937 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 4,364 |
| Efficiency ratio | 86.0916% | 1,697 |
| Assets per employee ($millions) | 6.2602% | 1,071 |
| Cash dividends to net income (ytd only)* | 4.7445% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6764% | 1,115 |
| Loan loss allowance to noncurrent loans | 21.9657% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 10.4679% | 364 |
| Noncurrent loans to loans | 12.1842% | 277 |
| Net loans and leases to total assets | 72.0292% | 2,395 |
| Net loans and leases to deposits | 83.7372% | 2,921 |
| Net loans and leases to core deposits | 104.1548% | 1,622 |
| Total domestic deposits to total assets | 86.0181% | 3,071 |
| Equity capital to assets | 10.4207% | 3,507 |
| Core capital (leverage) ratio | 9.9876% | 3,177 |
| Tier 1 risk-based capital ratio | 13.8222% | 3,857 |
| Total risk-based capital ratio | 15.0905% | 3,808 |
| Memoranda: | ||
| Average total assets | $395,421,330 | 1,704 |
| Average earning assets | $373,343,000 | 1,654 |
| Average equity | $40,803,000 | 1,621 |
| Average total loans | $299,093,000 | 1,533 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 5,143 |
| Cost of funding earning assets | 1.6466% | 2,673 |
| Net interest margin | 3.3268% | 5,877 |
| Noninterest income to average assets | 0.4226% | 4,721 |
| Noninterest expense to average assets | 3.1721% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2513% | 5,487 |
| Return on assets (ROA) | 0.3340% | 5,273 |
| Pretax return on assets | 0.5030% | 4,948 |
| Return on Equity (ROE) | 3.2532% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.2532% | 4,195 |
| Net charge-offs to loans | 0.4155% | 2,796 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.1891% | 4,056 |
| Efficiency ratio | 89.3574% | 1,479 |
| Assets per employee ($millions) | 6.0434% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4383% | 1,377 |
| Loan loss allowance to noncurrent loans | 21.6870% | 6,925 |
| Noncurrent assets plus other real estate owned to assets | 10.3019% | 373 |
| Noncurrent loans to loans | 11.2429% | 341 |
| Net loans and leases to total assets | 75.2136% | 1,695 |
| Net loans and leases to deposits | 87.3182% | 2,352 |
| Net loans and leases to core deposits | 115.9438% | 948 |
| Total domestic deposits to total assets | 86.1375% | 3,075 |
| Equity capital to assets | 10.5832% | 3,161 |
| Core capital (leverage) ratio | 10.3166% | 2,796 |
| Tier 1 risk-based capital ratio | 13.4905% | 3,988 |
| Total risk-based capital ratio | 14.7556% | 3,945 |
| Memoranda: | ||
| Average total assets | $392,805,500 | 1,752 |
| Average earning assets | $369,244,000 | 1,706 |
| Average equity | $40,329,000 | 1,661 |
| Average total loans | $300,378,000 | 1,568 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 6,581 |
| Cost of funding earning assets | 2.1168% | 2,383 |
| Net interest margin | 2.8342% | 7,003 |
| Noninterest income to average assets | 1.5403% | 599 |
| Noninterest expense to average assets | 3.3238% | 2,930 |
| Loan and lease loss provision to assets | 2.7109% | 692 |
| Net operating income to assets | -0.9889% | 6,571 |
| Return on assets (ROA) | -0.9830% | 6,571 |
| Pretax return on assets | -1.8158% | 6,866 |
| Return on Equity (ROE) | -9.3236% | 6,567 |
| Retained earnings to average equity (ytd only) | -9.3580% | 6,464 |
| Net charge-offs to loans | 1.4357% | 1,748 |
| Credit loss provision to net charge-offs | 235.9242% | 1,537 |
| Earnings coverage of net charge-offs (x) | 0.7709% | 5,336 |
| Efficiency ratio | 78.9564% | 3,048 |
| Assets per employee ($millions) | 6.2348% | 1,116 |
| Cash dividends to net income (ytd only)* | -0.3691% | 7,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5836% | 1,136 |
| Loan loss allowance to noncurrent loans | 22.7702% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 10.1545% | 359 |
| Noncurrent loans to loans | 11.3464% | 319 |
| Net loans and leases to total assets | 73.8868% | 2,300 |
| Net loans and leases to deposits | 83.4603% | 3,366 |
| Net loans and leases to core deposits | 115.1370% | 2,402 |
| Total domestic deposits to total assets | 88.5292% | 1,714 |
| Equity capital to assets | 9.9506% | 3,832 |
| Core capital (leverage) ratio | 9.7892% | 3,335 |
| Tier 1 risk-based capital ratio | 12.4772% | 4,547 |
| Total risk-based capital ratio | 13.7427% | 4,475 |
| Memoranda: | ||
| Average total assets | $358,295,600 | 1,895 |
| Average earning assets | $337,447,000 | 1,845 |
| Average equity | $37,775,000 | 1,772 |
| Average total loans | $286,756,000 | 1,671 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 6,971 |
| Cost of funding earning assets | 2.2445% | 2,207 |
| Net interest margin | 2.6203% | 7,330 |
| Noninterest income to average assets | 1.3509% | 829 |
| Noninterest expense to average assets | 3.3474% | 2,733 |
| Loan and lease loss provision to assets | 3.2460% | 424 |
| Net operating income to assets | -1.3578% | 7,039 |
| Return on assets (ROA) | -1.3578% | 7,038 |
| Pretax return on assets | -2.7652% | 7,439 |
| Return on Equity (ROE) | -12.6788% | 7,055 |
| Retained earnings to average equity (ytd only) | -12.7250% | 6,991 |
| Net charge-offs to loans | 1.8668% | 1,077 |
| Credit loss provision to net charge-offs | 214.1097% | 2,052 |
| Earnings coverage of net charge-offs (x) | 0.3172% | 5,704 |
| Efficiency ratio | 87.4402% | 1,924 |
| Assets per employee ($millions) | 6.0797% | 1,177 |
| Cash dividends to net income (ytd only)* | -0.3650% | 7,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2465% | 1,355 |
| Loan loss allowance to noncurrent loans | 20.3595% | 7,072 |
| Noncurrent assets plus other real estate owned to assets | 10.3212% | 319 |
| Noncurrent loans to loans | 11.0340% | 329 |
| Net loans and leases to total assets | 75.4140% | 2,122 |
| Net loans and leases to deposits | 84.9536% | 3,504 |
| Net loans and leases to core deposits | 111.2279% | 3,101 |
| Total domestic deposits to total assets | 88.7708% | 1,304 |
| Equity capital to assets | 10.2663% | 3,768 |
| Core capital (leverage) ratio | 10.6829% | 2,643 |
| Tier 1 risk-based capital ratio | 13.3169% | 3,979 |
| Total risk-based capital ratio | 14.5795% | 3,917 |
| Memoranda: | ||
| Average total assets | $349,672,000 | 1,956 |
| Average earning assets | $330,584,500 | 1,898 |
| Average equity | $37,447,500 | 1,810 |
| Average total loans | $283,965,750 | 1,712 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 6,912 |
| Cost of funding earning assets | 2.4291% | 1,852 |
| Net interest margin | 2.5238% | 7,459 |
| Noninterest income to average assets | 0.4761% | 4,664 |
| Noninterest expense to average assets | 3.5149% | 2,293 |
| Loan and lease loss provision to assets | 4.4973% | 253 |
| Net operating income to assets | -2.7080% | 7,611 |
| Return on assets (ROA) | -2.7080% | 7,601 |
| Pretax return on assets | -5.1424% | 7,878 |
| Return on Equity (ROE) | -24.8977% | 7,625 |
| Retained earnings to average equity (ytd only) | -24.9683% | 7,590 |
| Net charge-offs to loans | 2.5017% | 690 |
| Credit loss provision to net charge-offs | 217.2660% | 2,117 |
| Earnings coverage of net charge-offs (x) | -0.3116% | 5,963 |
| Efficiency ratio | 122.4784% | 624 |
| Assets per employee ($millions) | 5.7660% | 1,372 |
| Cash dividends to net income (ytd only)* | -0.2836% | 7,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0871% | 1,419 |
| Loan loss allowance to noncurrent loans | 19.5381% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 10.9360% | 233 |
| Noncurrent loans to loans | 10.6824% | 305 |
| Net loans and leases to total assets | 82.8266% | 807 |
| Net loans and leases to deposits | 94.3291% | 2,043 |
| Net loans and leases to core deposits | 116.8221% | 2,640 |
| Total domestic deposits to total assets | 87.8060% | 1,863 |
| Equity capital to assets | 10.8143% | 3,098 |
| Core capital (leverage) ratio | 11.0698% | 2,352 |
| Tier 1 risk-based capital ratio | 13.8866% | 3,586 |
| Total risk-based capital ratio | 15.1491% | 3,516 |
| Memoranda: | ||
| Average total assets | $338,556,330 | 2,045 |
| Average earning assets | $321,107,670 | 1,973 |
| Average equity | $36,822,670 | 1,856 |
| Average total loans | $280,125,000 | 1,770 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 7,148 |
| Cost of funding earning assets | 2.6371% | 1,458 |
| Net interest margin | 2.2745% | 7,740 |
| Noninterest income to average assets | 0.4615% | 4,669 |
| Noninterest expense to average assets | 3.4847% | 2,143 |
| Loan and lease loss provision to assets | 0.9133% | 1,427 |
| Net operating income to assets | -1.0471% | 7,280 |
| Return on assets (ROA) | -1.0471% | 7,293 |
| Pretax return on assets | -1.7676% | 7,459 |
| Return on Equity (ROE) | -9.5981% | 7,336 |
| Retained earnings to average equity (ytd only) | -9.5981% | 7,072 |
| Net charge-offs to loans | 0.0309% | 5,085 |
| Credit loss provision to net charge-offs | 3,609.5238% | 196 |
| Earnings coverage of net charge-offs (x) | -33.7619% | 5,686 |
| Efficiency ratio | 132.4782% | 485 |
| Assets per employee ($millions) | 5.6187% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 6,149 |
| Loan loss allowance to noncurrent loans | 14.7146% | 7,408 |
| Noncurrent assets plus other real estate owned to assets | 6.5591% | 560 |
| Noncurrent loans to loans | 6.8168% | 610 |
| Net loans and leases to total assets | 80.4043% | 1,314 |
| Net loans and leases to deposits | 90.8155% | 2,808 |
| Net loans and leases to core deposits | 112.6617% | 3,148 |
| Total domestic deposits to total assets | 88.5359% | 1,466 |
| Equity capital to assets | 10.2688% | 3,685 |
| Core capital (leverage) ratio | 10.0346% | 3,374 |
| Tier 1 risk-based capital ratio | 12.2599% | 4,740 |
| Total risk-based capital ratio | 13.2361% | 4,863 |
| Memoranda: | ||
| Average total assets | $331,970,000 | 2,098 |
| Average earning assets | $316,558,000 | 2,015 |
| Average equity | $36,215,500 | 1,890 |
| Average total loans | $271,420,000 | 1,825 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5095% | 2,913 |
| Cost of funding earning assets | 2.8577% | 2,451 |
| Net interest margin | 3.6518% | 4,670 |
| Noninterest income to average assets | 0.7050% | 3,095 |
| Noninterest expense to average assets | 3.5029% | 2,391 |
| Loan and lease loss provision to assets | 0.6640% | 2,184 |
| Net operating income to assets | 0.0382% | 6,264 |
| Return on assets (ROA) | 0.0483% | 6,094 |
| Pretax return on assets | 0.0382% | 6,080 |
| Return on Equity (ROE) | 0.4182% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.4001% | 5,002 |
| Net charge-offs to loans | 0.8931% | 1,389 |
| Credit loss provision to net charge-offs | 85.8696% | 5,766 |
| Earnings coverage of net charge-offs (x) | 0.8949% | 5,689 |
| Efficiency ratio | 83.5031% | 2,115 |
| Assets per employee ($millions) | 4.8551% | 2,108 |
| Cash dividends to net income (ytd only)* | 4.3478% | 4,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 7,073 |
| Loan loss allowance to noncurrent loans | 12.5718% | 7,464 |
| Noncurrent assets plus other real estate owned to assets | 6.4243% | 439 |
| Noncurrent loans to loans | 6.4300% | 502 |
| Net loans and leases to total assets | 81.6923% | 1,285 |
| Net loans and leases to deposits | 95.1553% | 2,587 |
| Net loans and leases to core deposits | 115.2504% | 3,211 |
| Total domestic deposits to total assets | 85.8516% | 2,472 |
| Equity capital to assets | 11.6163% | 2,558 |
| Core capital (leverage) ratio | 11.5390% | 2,228 |
| Tier 1 risk-based capital ratio | 13.4917% | 3,828 |
| Total risk-based capital ratio | 14.2683% | 4,013 |
| Memoranda: | ||
| Average total assets | $285,538,200 | 2,282 |
| Average earning assets | $272,879,800 | 2,214 |
| Average equity | $32,995,000 | 2,049 |
| Average total loans | $247,217,800 | 1,922 |