Home > Hatch Bank > Performance and Condition Ratios
Hatch Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 2,758 |
| Cost of funding earning assets | 2.9865% | 508 |
| Net interest margin | 2.1990% | 4,160 |
| Noninterest income to average assets | 4.4200% | 155 |
| Noninterest expense to average assets | 5.0000% | 234 |
| Loan and lease loss provision to assets | 0.4400% | 248 |
| Net operating income to assets | 1.1322% | 1,654 |
| Return on assets (ROA) | 1.1329% | 1,666 |
| Pretax return on assets | 1.1329% | 2,154 |
| Return on Equity (ROE) | 5.2700% | 3,446 |
| Retained earnings to average equity (ytd only) | 5.2669% | 2,124 |
| Net charge-offs to loans | 1.4494% | 102 |
| Credit loss provision to net charge-offs | 45.5904% | 2,357 |
| Earnings coverage of net charge-offs (x) | 1.6196% | 2,885 |
| Efficiency ratio | 76.0367% | 1,366 |
| Assets per employee ($millions) | 5.8870% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7218% | 107 |
| Loan loss allowance to noncurrent loans | 861.0063% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 2,166 |
| Noncurrent loans to loans | 0.4323% | 1,986 |
| Net loans and leases to total assets | 60.1600% | 2,926 |
| Net loans and leases to deposits | 208.0484% | 10 |
| Net loans and leases to core deposits | 43,992.5466% | 1 |
| Total domestic deposits to total assets | 28.9100% | 4,374 |
| Equity capital to assets | 25.6744% | 190 |
| Core capital (leverage) ratio | 26.5838% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6870% | 147 |
| Memoranda: | ||
| Average total assets | $137,519,000 | 3,465 |
| Average earning assets | $134,606,600 | 3,391 |
| Average equity | $29,581,000 | 2,387 |
| Average total loans | $92,313,600 | 3,282 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 2,883 |
| Cost of funding earning assets | 3.1677% | 380 |
| Net interest margin | 1.9215% | 4,304 |
| Noninterest income to average assets | 4.3900% | 142 |
| Noninterest expense to average assets | 4.6804% | 266 |
| Loan and lease loss provision to assets | 0.2700% | 400 |
| Net operating income to assets | 1.3140% | 1,286 |
| Return on assets (ROA) | 1.3159% | 1,283 |
| Pretax return on assets | 1.3159% | 1,727 |
| Return on Equity (ROE) | 6.3700% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.3721% | 1,961 |
| Net charge-offs to loans | 1.5628% | 86 |
| Credit loss provision to net charge-offs | 25.5937% | 2,162 |
| Earnings coverage of net charge-offs (x) | 1.4908% | 2,661 |
| Efficiency ratio | 74.6864% | 1,512 |
| Assets per employee ($millions) | 6.7676% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4438% | 123 |
| Loan loss allowance to noncurrent loans | 3,540.5405% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 3,300 |
| Noncurrent loans to loans | 0.0973% | 3,199 |
| Net loans and leases to total assets | 60.3000% | 2,903 |
| Net loans and leases to deposits | 193.6546% | 14 |
| Net loans and leases to core deposits | 22,464.5260% | 3 |
| Total domestic deposits to total assets | 31.1400% | 4,404 |
| Equity capital to assets | 25.1853% | 183 |
| Core capital (leverage) ratio | 27.1254% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8600% | 150 |
| Memoranda: | ||
| Average total assets | $142,463,750 | 3,425 |
| Average earning assets | $139,402,750 | 3,355 |
| Average equity | $29,419,000 | 2,395 |
| Average total loans | $97,000,500 | 3,240 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 3,204 |
| Cost of funding earning assets | 3.4874% | 181 |
| Net interest margin | 1.3550% | 4,445 |
| Noninterest income to average assets | 4.2000% | 153 |
| Noninterest expense to average assets | 4.1193% | 339 |
| Loan and lease loss provision to assets | 0.2100% | 514 |
| Net operating income to assets | 1.1959% | 1,482 |
| Return on assets (ROA) | 1.1959% | 1,482 |
| Pretax return on assets | 1.1959% | 1,940 |
| Return on Equity (ROE) | 6.1600% | 3,234 |
| Retained earnings to average equity (ytd only) | 6.1589% | 1,954 |
| Net charge-offs to loans | 1.6254% | 81 |
| Credit loss provision to net charge-offs | 18.6982% | 1,949 |
| Earnings coverage of net charge-offs (x) | 1.2438% | 2,482 |
| Efficiency ratio | 74.5336% | 1,594 |
| Assets per employee ($millions) | 6.6132% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5139% | 121 |
| Loan loss allowance to noncurrent loans | 2,779.0000% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,108 |
| Noncurrent loans to loans | 0.1264% | 3,020 |
| Net loans and leases to total assets | 60.7300% | 2,888 |
| Net loans and leases to deposits | 162.1483% | 20 |
| Net loans and leases to core deposits | 27,748.0000% | 2 |
| Total domestic deposits to total assets | 37.4500% | 4,418 |
| Equity capital to assets | 23.2710% | 211 |
| Core capital (leverage) ratio | 20.8428% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0735% | 157 |
| Memoranda: | ||
| Average total assets | $149,346,000 | 3,378 |
| Average earning assets | $146,124,333 | 3,294 |
| Average equity | $28,998,667 | 2,388 |
| Average total loans | $103,974,333 | 3,175 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 3,657 |
| Cost of funding earning assets | 3.4655% | 168 |
| Net interest margin | 1.0470% | 4,508 |
| Noninterest income to average assets | 4.0500% | 146 |
| Noninterest expense to average assets | 3.8959% | 387 |
| Loan and lease loss provision to assets | 0.4500% | 179 |
| Net operating income to assets | 0.7221% | 2,767 |
| Return on assets (ROA) | 0.7246% | 2,784 |
| Pretax return on assets | 0.7246% | 3,095 |
| Return on Equity (ROE) | 4.0400% | 3,663 |
| Retained earnings to average equity (ytd only) | 4.0446% | 2,699 |
| Net charge-offs to loans | 0.3986% | 226 |
| Credit loss provision to net charge-offs | 157.7586% | 921 |
| Earnings coverage of net charge-offs (x) | 4.0862% | 1,911 |
| Efficiency ratio | 76.8102% | 1,472 |
| Assets per employee ($millions) | 9.9578% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 3,767 |
| Loan loss allowance to noncurrent loans | 2,022.4490% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,511 |
| Noncurrent loans to loans | 0.0434% | 3,451 |
| Net loans and leases to total assets | 70.2200% | 1,785 |
| Net loans and leases to deposits | 138.0612% | 25 |
| Net loans and leases to core deposits | 41,742.9104% | 6 |
| Total domestic deposits to total assets | 50.8600% | 4,455 |
| Equity capital to assets | 18.0858% | 344 |
| Core capital (leverage) ratio | 19.9628% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8662% | 234 |
| Memoranda: | ||
| Average total assets | $161,194,000 | 3,284 |
| Average earning assets | $157,785,500 | 3,209 |
| Average equity | $28,878,000 | 2,406 |
| Average total loans | $116,418,500 | 3,029 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 2,622 |
| Cost of funding earning assets | 3.3955% | 88 |
| Net interest margin | 1.3292% | 4,525 |
| Noninterest income to average assets | 2.5600% | 213 |
| Noninterest expense to average assets | 3.7216% | 456 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | -0.1740% | 4,450 |
| Return on assets (ROA) | -0.4642% | 4,488 |
| Pretax return on assets | -0.4642% | 4,479 |
| Return on Equity (ROE) | -2.8200% | 4,441 |
| Retained earnings to average equity (ytd only) | -2.8168% | 4,321 |
| Net charge-offs to loans | 0.3244% | 336 |
| Credit loss provision to net charge-offs | 135.0746% | 1,557 |
| Earnings coverage of net charge-offs (x) | 0.6095% | 2,804 |
| Efficiency ratio | 96.2985% | 251 |
| Assets per employee ($millions) | 10.1915% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7702% | 4,025 |
| Loan loss allowance to noncurrent loans | 803.4783% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,095 |
| Noncurrent loans to loans | 0.0959% | 3,062 |
| Net loans and leases to total assets | 73.0100% | 1,471 |
| Net loans and leases to deposits | 148.3539% | 16 |
| Net loans and leases to core deposits | 36,857.8947% | 4 |
| Total domestic deposits to total assets | 49.2100% | 4,473 |
| Equity capital to assets | 17.7482% | 360 |
| Core capital (leverage) ratio | 21.2057% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9231% | 257 |
| Memoranda: | ||
| Average total assets | $171,269,400 | 3,186 |
| Average earning assets | $168,223,800 | 3,112 |
| Average equity | $28,223,400 | 2,352 |
| Average total loans | $123,932,800 | 2,917 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8696% | 2,126 |
| Cost of funding earning assets | 3.3176% | 83 |
| Net interest margin | 1.5520% | 4,518 |
| Noninterest income to average assets | 2.3300% | 247 |
| Noninterest expense to average assets | 3.8494% | 396 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | -0.2546% | 4,509 |
| Return on assets (ROA) | -0.6385% | 4,536 |
| Pretax return on assets | -0.6385% | 4,526 |
| Return on Equity (ROE) | -3.9500% | 4,486 |
| Retained earnings to average equity (ytd only) | -3.9461% | 4,396 |
| Net charge-offs to loans | 0.3405% | 258 |
| Credit loss provision to net charge-offs | 107.5235% | 1,570 |
| Earnings coverage of net charge-offs (x) | 0.0376% | 2,570 |
| Efficiency ratio | 99.7608% | 184 |
| Assets per employee ($millions) | 8.8712% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 4,087 |
| Loan loss allowance to noncurrent loans | 261.1650% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 2,239 |
| Noncurrent loans to loans | 0.2831% | 2,223 |
| Net loans and leases to total assets | 71.8300% | 1,595 |
| Net loans and leases to deposits | 131.1278% | 38 |
| Net loans and leases to core deposits | 32,726.8882% | 2 |
| Total domestic deposits to total assets | 54.7800% | 4,486 |
| Equity capital to assets | 17.9045% | 350 |
| Core capital (leverage) ratio | 17.6529% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8766% | 221 |
| Memoranda: | ||
| Average total assets | $173,320,750 | 3,183 |
| Average earning assets | $170,358,250 | 3,097 |
| Average equity | $28,044,000 | 2,351 |
| Average total loans | $124,922,250 | 2,902 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,642 |
| Cost of funding earning assets | 303.0000% | 10 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | -0.5342% | 4,567 |
| Pretax return on assets | -0.5342% | 4,558 |
| Return on Equity (ROE) | -3.4000% | 4,517 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.2666% | 312 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 18.7581% | 4,581 |
| Assets per employee ($millions) | 0.0000% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 0.0000% | 4,635 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,433,000 | 4,649 |
| Average earning assets | $0 | 4,645 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,944 |
| Cost of funding earning assets | 2.9887% | 34 |
| Net interest margin | 1.2548% | 4,649 |
| Noninterest income to average assets | 2.1400% | 216 |
| Noninterest expense to average assets | 3.7832% | 416 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | -0.5552% | 4,591 |
| Return on assets (ROA) | -0.8947% | 4,606 |
| Pretax return on assets | -0.8947% | 4,599 |
| Return on Equity (ROE) | -5.5500% | 4,559 |
| Retained earnings to average equity (ytd only) | -5.5517% | 4,353 |
| Net charge-offs to loans | 0.2160% | 338 |
| Credit loss provision to net charge-offs | 98.5294% | 1,146 |
| Earnings coverage of net charge-offs (x) | -2.6471% | 4,651 |
| Efficiency ratio | 111.9760% | 94 |
| Assets per employee ($millions) | 9.8901% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5922% | 4,370 |
| Loan loss allowance to noncurrent loans | 403.6082% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 2,761 |
| Noncurrent loans to loans | 0.1467% | 2,763 |
| Net loans and leases to total assets | 73.8300% | 1,225 |
| Net loans and leases to deposits | 136.1620% | 31 |
| Net loans and leases to core deposits | 16,678.8071% | 4 |
| Total domestic deposits to total assets | 54.2200% | 4,564 |
| Equity capital to assets | 16.0548% | 409 |
| Core capital (leverage) ratio | 19.3080% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7983% | 319 |
| Memoranda: | ||
| Average total assets | $177,943,000 | 3,196 |
| Average earning assets | $175,329,000 | 3,100 |
| Average equity | $28,676,000 | 2,348 |
| Average total loans | $125,952,000 | 2,921 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7575% | 4,364 |
| Cost of funding earning assets | 0.8462% | 331 |
| Net interest margin | 1.9113% | 4,581 |
| Noninterest income to average assets | 1.9700% | 248 |
| Noninterest expense to average assets | 2.0503% | 3,439 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.7598% | 482 |
| Return on assets (ROA) | 1.4537% | 955 |
| Pretax return on assets | 1.4537% | 1,601 |
| Return on Equity (ROE) | 14.7600% | 1,323 |
| Retained earnings to average equity (ytd only) | 14.7620% | 309 |
| Net charge-offs to loans | 0.1653% | 508 |
| Credit loss provision to net charge-offs | 66.2651% | 1,745 |
| Earnings coverage of net charge-offs (x) | 30.5843% | 1,672 |
| Efficiency ratio | 53.2677% | 3,852 |
| Assets per employee ($millions) | 11.8577% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6266% | 4,309 |
| Loan loss allowance to noncurrent loans | 630.2521% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,134 |
| Noncurrent loans to loans | 0.0994% | 3,053 |
| Net loans and leases to total assets | 66.8700% | 1,942 |
| Net loans and leases to deposits | 80.4184% | 1,743 |
| Net loans and leases to core deposits | 5,367.4188% | 5 |
| Total domestic deposits to total assets | 83.1600% | 3,385 |
| Equity capital to assets | 16.1758% | 378 |
| Core capital (leverage) ratio | 17.4593% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9639% | 239 |
| Memoranda: | ||
| Average total assets | $282,245,000 | 2,542 |
| Average earning assets | $276,988,800 | 2,457 |
| Average equity | $27,794,400 | 2,437 |
| Average total loans | $100,427,200 | 3,146 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7085% | 4,289 |
| Cost of funding earning assets | 0.5711% | 511 |
| Net interest margin | 2.1374% | 4,498 |
| Noninterest income to average assets | 1.2700% | 454 |
| Noninterest expense to average assets | 1.7340% | 4,104 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.6440% | 599 |
| Return on assets (ROA) | 1.6453% | 585 |
| Pretax return on assets | 1.6453% | 1,013 |
| Return on Equity (ROE) | 18.4100% | 589 |
| Retained earnings to average equity (ytd only) | 18.4144% | 151 |
| Net charge-offs to loans | 0.0349% | 1,161 |
| Credit loss provision to net charge-offs | -124.0000% | 4,648 |
| Earnings coverage of net charge-offs (x) | 150.8400% | 747 |
| Efficiency ratio | 51.5358% | 4,042 |
| Assets per employee ($millions) | 23.4153% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6106% | 4,370 |
| Loan loss allowance to noncurrent loans | 309.9174% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 3,153 |
| Noncurrent loans to loans | 0.1970% | 2,616 |
| Net loans and leases to total assets | 37.2400% | 4,171 |
| Net loans and leases to deposits | 40.7209% | 4,213 |
| Net loans and leases to core deposits | 40.7209% | 4,260 |
| Total domestic deposits to total assets | 91.4500% | 1,067 |
| Equity capital to assets | 8.3715% | 2,623 |
| Core capital (leverage) ratio | 13.7978% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3133% | 702 |
| Memoranda: | ||
| Average total assets | $308,340,000 | 2,424 |
| Average earning assets | $302,353,750 | 2,344 |
| Average equity | $27,550,250 | 2,485 |
| Average total loans | $95,611,000 | 3,229 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9865% | 4,628 |
| Cost of funding earning assets | 0.2023% | 2,888 |
| Net interest margin | 1.7842% | 4,631 |
| Noninterest income to average assets | 1.1403% | 520 |
| Noninterest expense to average assets | 1.7419% | 4,071 |
| Loan and lease loss provision to assets | 0.0060% | 2,494 |
| Net operating income to assets | 1.1396% | 1,633 |
| Return on assets (ROA) | 1.1410% | 1,608 |
| Pretax return on assets | 1.1410% | 2,270 |
| Return on Equity (ROE) | 12.4846% | 1,531 |
| Retained earnings to average equity (ytd only) | 12.4846% | 532 |
| Net charge-offs to loans | 0.1502% | 428 |
| Credit loss provision to net charge-offs | 13.8462% | 1,623 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 1,444 |
| Efficiency ratio | 60.3258% | 3,256 |
| Assets per employee ($millions) | 15.1005% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 4,383 |
| Loan loss allowance to noncurrent loans | 1,209.6774% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 3,710 |
| Noncurrent loans to loans | 0.0555% | 3,537 |
| Net loans and leases to total assets | 48.9493% | 3,470 |
| Net loans and leases to deposits | 56.0876% | 3,365 |
| Net loans and leases to core deposits | 56.0876% | 3,559 |
| Total domestic deposits to total assets | 87.2729% | 2,844 |
| Equity capital to assets | 11.7201% | 959 |
| Core capital (leverage) ratio | 10.9417% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3004% | 411 |
| Memoranda: | ||
| Average total assets | $301,848,667 | 2,473 |
| Average earning assets | $295,588,333 | 2,406 |
| Average equity | $27,586,000 | 2,545 |
| Average total loans | $86,538,000 | 3,371 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1796% | 4,753 |
| Cost of funding earning assets | 0.1034% | 4,092 |
| Net interest margin | 1.0762% | 4,743 |
| Noninterest income to average assets | 0.9378% | 783 |
| Noninterest expense to average assets | 1.5516% | 4,362 |
| Loan and lease loss provision to assets | 0.3699% | 151 |
| Net operating income to assets | 0.0707% | 4,496 |
| Return on assets (ROA) | 0.0730% | 4,471 |
| Pretax return on assets | 0.0730% | 4,471 |
| Return on Equity (ROE) | 0.8824% | 4,444 |
| Retained earnings to average equity (ytd only) | 0.8824% | 3,850 |
| Net charge-offs to loans | 0.0487% | 802 |
| Credit loss provision to net charge-offs | 3,488.8889% | 125 |
| Earnings coverage of net charge-offs (x) | 41.5556% | 996 |
| Efficiency ratio | 77.8829% | 1,324 |
| Assets per employee ($millions) | 20.6958% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,258 |
| Loan loss allowance to noncurrent loans | 385.7639% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 3,061 |
| Noncurrent loans to loans | 0.2895% | 2,436 |
| Net loans and leases to total assets | 36.5681% | 4,176 |
| Net loans and leases to deposits | 40.9748% | 4,210 |
| Net loans and leases to core deposits | 40.9748% | 4,278 |
| Total domestic deposits to total assets | 89.2453% | 1,954 |
| Equity capital to assets | 9.9351% | 1,945 |
| Core capital (leverage) ratio | 8.8066% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6280% | 213 |
| Memoranda: | ||
| Average total assets | $339,519,000 | 2,301 |
| Average earning assets | $332,649,000 | 2,225 |
| Average equity | $28,105,500 | 2,598 |
| Average total loans | $73,995,000 | 3,558 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2382% | 4,770 |
| Cost of funding earning assets | 0.1956% | 3,517 |
| Net interest margin | 1.0426% | 4,775 |
| Noninterest income to average assets | 0.5608% | 2,315 |
| Noninterest expense to average assets | 0.9989% | 4,760 |
| Loan and lease loss provision to assets | 0.0450% | 2,158 |
| Net operating income to assets | 0.5444% | 3,993 |
| Return on assets (ROA) | 0.5456% | 4,043 |
| Pretax return on assets | 0.5456% | 4,184 |
| Return on Equity (ROE) | 6.6201% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.6201% | 2,069 |
| Net charge-offs to loans | 0.0909% | 911 |
| Credit loss provision to net charge-offs | 296.1538% | 1,071 |
| Earnings coverage of net charge-offs (x) | 38.8077% | 1,457 |
| Efficiency ratio | 62.8908% | 2,733 |
| Assets per employee ($millions) | 58.5703% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 1,134 |
| Loan loss allowance to noncurrent loans | 571.6312% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,784 |
| Noncurrent loans to loans | 0.2908% | 2,547 |
| Net loans and leases to total assets | 11.6314% | 4,774 |
| Net loans and leases to deposits | 12.6012% | 4,781 |
| Net loans and leases to core deposits | 12.6012% | 4,774 |
| Total domestic deposits to total assets | 92.3042% | 117 |
| Equity capital to assets | 7.1906% | 4,681 |
| Core capital (leverage) ratio | 6.1794% | 4,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6684% | 141 |
| Memoranda: | ||
| Average total assets | $342,366,600 | 2,232 |
| Average earning assets | $337,416,200 | 2,148 |
| Average equity | $28,217,000 | 2,636 |
| Average total loans | $57,225,400 | 3,868 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2329% | 4,853 |
| Cost of funding earning assets | 0.2207% | 3,417 |
| Net interest margin | 1.0122% | 4,863 |
| Noninterest income to average assets | 0.5031% | 2,610 |
| Noninterest expense to average assets | 0.9324% | 4,849 |
| Loan and lease loss provision to assets | 0.0630% | 1,739 |
| Net operating income to assets | 0.5072% | 4,185 |
| Return on assets (ROA) | 0.5088% | 4,227 |
| Pretax return on assets | 0.5088% | 4,360 |
| Return on Equity (ROE) | 5.9351% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.9351% | 2,849 |
| Net charge-offs to loans | 0.1414% | 580 |
| Credit loss provision to net charge-offs | 244.4444% | 1,113 |
| Earnings coverage of net charge-offs (x) | 22.0952% | 1,692 |
| Efficiency ratio | 62.0502% | 2,691 |
| Assets per employee ($millions) | 66.6170% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 3,095 |
| Loan loss allowance to noncurrent loans | 1,047.3684% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,103 |
| Noncurrent loans to loans | 0.1123% | 3,529 |
| Net loans and leases to total assets | 14.3368% | 4,832 |
| Net loans and leases to deposits | 15.3334% | 4,845 |
| Net loans and leases to core deposits | 15.3334% | 4,839 |
| Total domestic deposits to total assets | 93.4999% | 20 |
| Equity capital to assets | 6.1211% | 4,883 |
| Core capital (leverage) ratio | 6.4330% | 4,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4160% | 225 |
| Memoranda: | ||
| Average total assets | $325,460,250 | 2,343 |
| Average earning assets | $321,408,500 | 2,246 |
| Average equity | $27,901,000 | 2,688 |
| Average total loans | $59,408,250 | 3,874 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2815% | 4,883 |
| Cost of funding earning assets | 0.2531% | 3,255 |
| Net interest margin | 1.0284% | 4,894 |
| Noninterest income to average assets | 0.5845% | 2,280 |
| Noninterest expense to average assets | 1.0413% | 4,863 |
| Loan and lease loss provision to assets | 0.1113% | 1,138 |
| Net operating income to assets | 0.4474% | 4,304 |
| Return on assets (ROA) | 0.4495% | 4,344 |
| Pretax return on assets | 0.4495% | 4,453 |
| Return on Equity (ROE) | 4.5220% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.5220% | 3,355 |
| Net charge-offs to loans | 0.3494% | 245 |
| Credit loss provision to net charge-offs | 156.5657% | 1,150 |
| Earnings coverage of net charge-offs (x) | 7.8586% | 1,909 |
| Efficiency ratio | 65.0808% | 2,288 |
| Assets per employee ($millions) | 64.4710% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,637 |
| Loan loss allowance to noncurrent loans | 6,909.0909% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,310 |
| Noncurrent loans to loans | 0.0152% | 4,156 |
| Net loans and leases to total assets | 18.5497% | 4,843 |
| Net loans and leases to deposits | 20.0997% | 4,856 |
| Net loans and leases to core deposits | 20.0997% | 4,857 |
| Total domestic deposits to total assets | 92.2883% | 80 |
| Equity capital to assets | 7.0941% | 4,827 |
| Core capital (leverage) ratio | 8.5194% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,507,333 | 2,559 |
| Average earning assets | $274,986,333 | 2,475 |
| Average equity | $27,686,667 | 2,693 |
| Average total loans | $56,660,667 | 3,962 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3148% | 4,918 |
| Cost of funding earning assets | 0.3400% | 2,621 |
| Net interest margin | 0.9748% | 4,935 |
| Noninterest income to average assets | 0.5188% | 2,525 |
| Noninterest expense to average assets | 1.2071% | 4,855 |
| Loan and lease loss provision to assets | 0.1516% | 855 |
| Net operating income to assets | 0.1212% | 4,700 |
| Return on assets (ROA) | 0.1266% | 4,708 |
| Pretax return on assets | 0.1266% | 4,713 |
| Return on Equity (ROE) | 1.0213% | 4,709 |
| Retained earnings to average equity (ytd only) | 1.0213% | 4,212 |
| Net charge-offs to loans | 0.9439% | 81 |
| Credit loss provision to net charge-offs | 73.9130% | 1,234 |
| Earnings coverage of net charge-offs (x) | 1.3304% | 1,857 |
| Efficiency ratio | 81.5663% | 723 |
| Assets per employee ($millions) | 44.6570% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,345 |
| Loan loss allowance to noncurrent loans | 131.8359% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 3,214 |
| Noncurrent loans to loans | 1.0014% | 1,339 |
| Net loans and leases to total assets | 18.8298% | 4,870 |
| Net loans and leases to deposits | 21.6702% | 4,872 |
| Net loans and leases to core deposits | 850.5226% | 10 |
| Total domestic deposits to total assets | 86.8927% | 2,352 |
| Equity capital to assets | 10.3209% | 2,419 |
| Core capital (leverage) ratio | 12.3251% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,348,000 | 2,902 |
| Average earning assets | $221,179,500 | 2,809 |
| Average equity | $27,809,000 | 2,685 |
| Average total loans | $48,733,500 | 4,130 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0156% | 4,618 |
| Cost of funding earning assets | 0.8487% | 1,025 |
| Net interest margin | 2.1668% | 4,776 |
| Noninterest income to average assets | 0.8300% | 1,453 |
| Noninterest expense to average assets | 1.9331% | 4,260 |
| Loan and lease loss provision to assets | 0.1083% | 2,991 |
| Net operating income to assets | 0.9002% | 2,695 |
| Return on assets (ROA) | 0.9061% | 2,806 |
| Pretax return on assets | 0.9061% | 3,351 |
| Return on Equity (ROE) | 3.3811% | 4,291 |
| Retained earnings to average equity (ytd only) | 3.3811% | 3,131 |
| Net charge-offs to loans | 0.4601% | 357 |
| Credit loss provision to net charge-offs | 45.1220% | 3,168 |
| Earnings coverage of net charge-offs (x) | 4.2033% | 3,012 |
| Efficiency ratio | 65.7162% | 2,574 |
| Assets per employee ($millions) | 36.1508% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 1,519 |
| Loan loss allowance to noncurrent loans | 1,717.0732% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,278 |
| Noncurrent loans to loans | 0.0885% | 3,932 |
| Net loans and leases to total assets | 25.2470% | 4,834 |
| Net loans and leases to deposits | 31.6082% | 4,816 |
| Net loans and leases to core deposits | 297.9564% | 23 |
| Total domestic deposits to total assets | 79.8749% | 4,062 |
| Equity capital to assets | 15.4708% | 490 |
| Core capital (leverage) ratio | 19.2834% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,531,000 | 3,960 |
| Average earning assets | $99,914,800 | 3,895 |
| Average equity | $27,476,400 | 2,638 |
| Average total loans | $53,472,200 | 4,038 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9091% | 3,225 |
| Cost of funding earning assets | 1.0854% | 563 |
| Net interest margin | 2.8237% | 4,298 |
| Noninterest income to average assets | 0.8918% | 1,250 |
| Noninterest expense to average assets | 2.2962% | 3,431 |
| Loan and lease loss provision to assets | 0.1748% | 2,235 |
| Net operating income to assets | 1.1585% | 1,792 |
| Return on assets (ROA) | 1.1650% | 1,883 |
| Pretax return on assets | 1.1650% | 2,505 |
| Return on Equity (ROE) | 3.5338% | 4,283 |
| Retained earnings to average equity (ytd only) | 3.5338% | 3,293 |
| Net charge-offs to loans | 0.2389% | 639 |
| Credit loss provision to net charge-offs | 110.1010% | 2,550 |
| Earnings coverage of net charge-offs (x) | 8.3838% | 2,501 |
| Efficiency ratio | 63.2581% | 2,873 |
| Assets per employee ($millions) | 22.0382% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 893 |
| Loan loss allowance to noncurrent loans | 10,612.5000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,479 |
| Noncurrent loans to loans | 0.0160% | 4,368 |
| Net loans and leases to total assets | 44.4710% | 4,399 |
| Net loans and leases to deposits | 70.4826% | 3,269 |
| Net loans and leases to core deposits | 242.5891% | 25 |
| Total domestic deposits to total assets | 63.0950% | 4,901 |
| Equity capital to assets | 25.1917% | 101 |
| Core capital (leverage) ratio | 32.2254% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,975,250 | 4,217 |
| Average earning assets | $80,459,750 | 4,160 |
| Average equity | $27,354,500 | 2,635 |
| Average total loans | $55,255,500 | 4,016 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 2,132 |
| Cost of funding earning assets | 1.2762% | 396 |
| Net interest margin | 3.1515% | 3,782 |
| Noninterest income to average assets | 0.8119% | 1,401 |
| Noninterest expense to average assets | 2.5195% | 2,908 |
| Loan and lease loss provision to assets | 0.2869% | 1,496 |
| Net operating income to assets | 1.0663% | 2,088 |
| Return on assets (ROA) | 1.0744% | 2,185 |
| Pretax return on assets | 1.0744% | 2,794 |
| Return on Equity (ROE) | 2.9170% | 4,370 |
| Retained earnings to average equity (ytd only) | 2.9170% | 3,422 |
| Net charge-offs to loans | 0.2559% | 614 |
| Credit loss provision to net charge-offs | 145.2055% | 2,152 |
| Earnings coverage of net charge-offs (x) | 6.8493% | 2,411 |
| Efficiency ratio | 65.0594% | 2,653 |
| Assets per employee ($millions) | 16.1614% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 987 |
| Loan loss allowance to noncurrent loans | 1,645.2830% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 4,203 |
| Noncurrent loans to loans | 0.0978% | 4,061 |
| Net loans and leases to total assets | 66.0042% | 2,627 |
| Net loans and leases to deposits | 135.1134% | 42 |
| Net loans and leases to core deposits | 202.4828% | 40 |
| Total domestic deposits to total assets | 48.8510% | 5,009 |
| Equity capital to assets | 33.9476% | 50 |
| Core capital (leverage) ratio | 39.3626% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,903,333 | 4,336 |
| Average earning assets | $71,775,667 | 4,277 |
| Average equity | $27,219,667 | 2,630 |
| Average total loans | $57,056,667 | 3,999 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9000% | 1,191 |
| Cost of funding earning assets | 1.4549% | 314 |
| Net interest margin | 3.4451% | 3,164 |
| Noninterest income to average assets | 0.7097% | 1,619 |
| Noninterest expense to average assets | 2.6288% | 2,896 |
| Loan and lease loss provision to assets | 0.5507% | 520 |
| Net operating income to assets | 0.8914% | 2,551 |
| Return on assets (ROA) | 0.8914% | 2,652 |
| Pretax return on assets | 0.8914% | 3,162 |
| Return on Equity (ROE) | 2.3162% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.3162% | 3,328 |
| Net charge-offs to loans | 0.3352% | 431 |
| Credit loss provision to net charge-offs | 197.9592% | 1,425 |
| Earnings coverage of net charge-offs (x) | 5.1837% | 2,080 |
| Efficiency ratio | 64.5746% | 3,135 |
| Assets per employee ($millions) | 14.4736% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 1,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 80.5342% | 631 |
| Net loans and leases to deposits | 142.0795% | 18 |
| Net loans and leases to core deposits | 205.8454% | 36 |
| Total domestic deposits to total assets | 56.6825% | 5,048 |
| Equity capital to assets | 37.5760% | 53 |
| Core capital (leverage) ratio | 37.6720% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,451,500 | 4,404 |
| Average earning assets | $68,735,000 | 4,337 |
| Average equity | $27,113,500 | 2,636 |
| Average total loans | $58,481,000 | 3,980 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 3,304 |
| Cost of funding earning assets | 1.3327% | 696 |
| Net interest margin | 3.0471% | 4,454 |
| Noninterest income to average assets | 0.2282% | 4,301 |
| Noninterest expense to average assets | 3.0035% | 2,005 |
| Loan and lease loss provision to assets | 0.7536% | 141 |
| Net operating income to assets | -0.5698% | 5,057 |
| Return on assets (ROA) | -0.5698% | 5,063 |
| Pretax return on assets | -0.5698% | 5,059 |
| Return on Equity (ROE) | -1.3734% | 5,024 |
| Retained earnings to average equity (ytd only) | -1.3734% | 4,833 |
| Net charge-offs to loans | 0.9406% | 171 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 0.2439% | 3,626 |
| Efficiency ratio | 94.2335% | 243 |
| Assets per employee ($millions) | 17.1338% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,359 |
| Loan loss allowance to noncurrent loans | 1,864.4444% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,295 |
| Noncurrent loans to loans | 0.0779% | 4,213 |
| Net loans and leases to total assets | 83.1035% | 415 |
| Net loans and leases to deposits | 152.5962% | 13 |
| Net loans and leases to core deposits | 258.6042% | 24 |
| Total domestic deposits to total assets | 54.4598% | 5,113 |
| Equity capital to assets | 39.4455% | 49 |
| Core capital (leverage) ratio | 39.5523% | 52 |
| Tier 1 risk-based capital ratio | 44.9510% | 175 |
| Total risk-based capital ratio | 46.2031% | 173 |
| Memoranda: | ||
| Average total assets | $65,289,600 | 4,518 |
| Average earning assets | $63,405,200 | 4,448 |
| Average equity | $27,086,000 | 2,555 |
| Average total loans | $52,305,200 | 4,137 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 3,953 |
| Cost of funding earning assets | 1.3051% | 773 |
| Net interest margin | 2.8789% | 4,779 |
| Noninterest income to average assets | 0.1634% | 4,732 |
| Noninterest expense to average assets | 3.0087% | 1,953 |
| Loan and lease loss provision to assets | 0.9491% | 99 |
| Net operating income to assets | -1.0029% | 5,175 |
| Return on assets (ROA) | -1.0029% | 5,181 |
| Pretax return on assets | -1.0029% | 5,174 |
| Return on Equity (ROE) | -2.3863% | 5,127 |
| Retained earnings to average equity (ytd only) | -2.3863% | 4,955 |
| Net charge-offs to loans | 1.2015% | 118 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | -0.0567% | 3,383 |
| Efficiency ratio | 101.8195% | 139 |
| Assets per employee ($millions) | 17.1183% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 1,871 |
| Loan loss allowance to noncurrent loans | 2,996.4286% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,513 |
| Noncurrent loans to loans | 0.0441% | 4,453 |
| Net loans and leases to total assets | 91.4010% | 21 |
| Net loans and leases to deposits | 165.6126% | 9 |
| Net loans and leases to core deposits | 321.0475% | 20 |
| Total domestic deposits to total assets | 55.1896% | 5,186 |
| Equity capital to assets | 39.3177% | 53 |
| Core capital (leverage) ratio | 41.6491% | 49 |
| Tier 1 risk-based capital ratio | 41.5687% | 221 |
| Total risk-based capital ratio | 42.8194% | 216 |
| Memoranda: | ||
| Average total assets | $64,478,250 | 4,583 |
| Average earning assets | $62,522,750 | 4,520 |
| Average equity | $27,099,000 | 2,567 |
| Average total loans | $50,933,000 | 4,212 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 3,769 |
| Cost of funding earning assets | 1.2691% | 820 |
| Net interest margin | 2.9886% | 4,713 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 3.2559% | 1,375 |
| Loan and lease loss provision to assets | 1.1655% | 79 |
| Net operating income to assets | -1.5424% | 5,250 |
| Return on assets (ROA) | -1.5424% | 5,250 |
| Pretax return on assets | -1.5424% | 5,246 |
| Return on Equity (ROE) | -3.5864% | 5,191 |
| Retained earnings to average equity (ytd only) | -3.5864% | 4,998 |
| Net charge-offs to loans | 1.5737% | 73 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | -0.3234% | 3,110 |
| Efficiency ratio | 113.0913% | 91 |
| Assets per employee ($millions) | 15.7055% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 967 |
| Loan loss allowance to noncurrent loans | 1,747.9167% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,381 |
| Noncurrent loans to loans | 0.0931% | 4,267 |
| Net loans and leases to total assets | 80.7631% | 764 |
| Net loans and leases to deposits | 142.9614% | 22 |
| Net loans and leases to core deposits | 295.0512% | 22 |
| Total domestic deposits to total assets | 56.4929% | 5,229 |
| Equity capital to assets | 42.8496% | 45 |
| Core capital (leverage) ratio | 45.5475% | 41 |
| Tier 1 risk-based capital ratio | 49.7984% | 139 |
| Total risk-based capital ratio | 51.0526% | 135 |
| Memoranda: | ||
| Average total assets | $63,146,670 | 4,634 |
| Average earning assets | $60,830,330 | 4,587 |
| Average equity | $27,158,000 | 2,556 |
| Average total loans | $46,769,330 | 4,322 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 4,029 |
| Cost of funding earning assets | 1.2921% | 674 |
| Net interest margin | 2.8492% | 4,937 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 2.9822% | 2,043 |
| Loan and lease loss provision to assets | 1.3584% | 61 |
| Net operating income to assets | -1.6238% | 5,311 |
| Return on assets (ROA) | -1.6238% | 5,308 |
| Pretax return on assets | -1.6238% | 5,301 |
| Return on Equity (ROE) | -3.7687% | 5,250 |
| Retained earnings to average equity (ytd only) | -3.7687% | 4,850 |
| Net charge-offs to loans | 1.9384% | 58 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | -0.1953% | 2,682 |
| Efficiency ratio | 109.7674% | 107 |
| Assets per employee ($millions) | 15.2030% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 818 |
| Loan loss allowance to noncurrent loans | 847.4747% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,001 |
| Noncurrent loans to loans | 0.2034% | 3,861 |
| Net loans and leases to total assets | 78.6605% | 1,045 |
| Net loans and leases to deposits | 143.6357% | 19 |
| Net loans and leases to core deposits | 271.3735% | 28 |
| Total domestic deposits to total assets | 54.7639% | 5,300 |
| Equity capital to assets | 44.6441% | 41 |
| Core capital (leverage) ratio | 43.1395% | 42 |
| Tier 1 risk-based capital ratio | 52.5522% | 118 |
| Total risk-based capital ratio | 53.8065% | 117 |
| Memoranda: | ||
| Average total assets | $63,309,000 | 4,683 |
| Average earning assets | $60,368,500 | 4,640 |
| Average equity | $27,277,500 | 2,555 |
| Average total loans | $44,366,000 | 4,428 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 439 |
| Cost of funding earning assets | 1.2936% | 224 |
| Net interest margin | 4.1604% | 1,502 |
| Noninterest income to average assets | 0.0027% | 5,345 |
| Noninterest expense to average assets | 2.5263% | 3,535 |
| Loan and lease loss provision to assets | 0.9208% | 101 |
| Net operating income to assets | 0.3335% | 4,972 |
| Return on assets (ROA) | 0.3335% | 4,965 |
| Pretax return on assets | 0.3335% | 5,019 |
| Return on Equity (ROE) | 0.8855% | 5,171 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,982 |
| Net charge-offs to loans | 1.1641% | 113 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 1.3621% | 3,633 |
| Efficiency ratio | 66.8240% | 2,737 |
| Assets per employee ($millions) | 10.9677% | 263 |
| Cash dividends to net income (ytd only)* | 100.0000% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0945% | 403 |
| Loan loss allowance to noncurrent loans | 1,252.2388% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 4,317 |
| Noncurrent loans to loans | 0.1673% | 3,997 |
| Net loans and leases to total assets | 59.5979% | 3,812 |
| Net loans and leases to deposits | 103.4229% | 514 |
| Net loans and leases to core deposits | 176.3761% | 57 |
| Total domestic deposits to total assets | 57.6254% | 5,337 |
| Equity capital to assets | 41.6467% | 43 |
| Core capital (leverage) ratio | 40.0497% | 50 |
| Tier 1 risk-based capital ratio | 64.5455% | 80 |
| Total risk-based capital ratio | 65.8055% | 78 |
| Memoranda: | ||
| Average total assets | $72,874,000 | 4,537 |
| Average earning assets | $66,171,600 | 4,553 |
| Average equity | $27,443,400 | 2,488 |
| Average total loans | $57,639,000 | 4,150 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5979% | 299 |
| Cost of funding earning assets | 1.2666% | 183 |
| Net interest margin | 4.3314% | 1,049 |
| Noninterest income to average assets | 0.0018% | 5,424 |
| Noninterest expense to average assets | 2.6383% | 3,166 |
| Loan and lease loss provision to assets | 0.9414% | 90 |
| Net operating income to assets | 0.3072% | 5,090 |
| Return on assets (ROA) | 0.3072% | 5,085 |
| Pretax return on assets | 0.3072% | 5,131 |
| Return on Equity (ROE) | 0.8354% | 5,250 |
| Retained earnings to average equity (ytd only) | -0.3448% | 5,083 |
| Net charge-offs to loans | 1.1327% | 123 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 1.3264% | 3,360 |
| Efficiency ratio | 67.8768% | 2,559 |
| Assets per employee ($millions) | 14.4972% | 111 |
| Cash dividends to net income (ytd only)* | 141.2768% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 873 |
| Loan loss allowance to noncurrent loans | 1,118.6667% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 4,455 |
| Noncurrent loans to loans | 0.1518% | 4,208 |
| Net loans and leases to total assets | 66.9950% | 3,070 |
| Net loans and leases to deposits | 108.8419% | 326 |
| Net loans and leases to core deposits | 186.4327% | 46 |
| Total domestic deposits to total assets | 61.5526% | 5,377 |
| Equity capital to assets | 37.7121% | 50 |
| Core capital (leverage) ratio | 37.2050% | 52 |
| Tier 1 risk-based capital ratio | 54.7322% | 106 |
| Total risk-based capital ratio | 55.9876% | 105 |
| Memoranda: | ||
| Average total assets | $74,641,000 | 4,567 |
| Average earning assets | $66,951,500 | 4,592 |
| Average equity | $27,452,750 | 2,490 |
| Average total loans | $62,034,250 | 4,082 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1458% | 121 |
| Cost of funding earning assets | 1.2200% | 167 |
| Net interest margin | 4.9258% | 281 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 2.5982% | 3,335 |
| Loan and lease loss provision to assets | 1.0005% | 81 |
| Net operating income to assets | 0.6768% | 4,262 |
| Return on assets (ROA) | 0.6768% | 4,268 |
| Pretax return on assets | 0.6768% | 4,564 |
| Return on Equity (ROE) | 1.8551% | 5,188 |
| Retained earnings to average equity (ytd only) | 0.0873% | 4,941 |
| Net charge-offs to loans | 1.1382% | 110 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 1.6764% | 3,040 |
| Efficiency ratio | 60.7697% | 3,803 |
| Assets per employee ($millions) | 14.8840% | 103 |
| Cash dividends to net income (ytd only)* | 95.2941% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 1,812 |
| Loan loss allowance to noncurrent loans | 1,613.4615% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 4,666 |
| Noncurrent loans to loans | 0.0857% | 4,526 |
| Net loans and leases to total assets | 80.4085% | 954 |
| Net loans and leases to deposits | 128.8822% | 48 |
| Net loans and leases to core deposits | 227.9880% | 33 |
| Total domestic deposits to total assets | 62.3891% | 5,430 |
| Equity capital to assets | 36.8436% | 55 |
| Core capital (leverage) ratio | 35.5597% | 58 |
| Tier 1 risk-based capital ratio | 42.3185% | 202 |
| Total risk-based capital ratio | 43.5687% | 199 |
| Memoranda: | ||
| Average total assets | $75,359,330 | 4,600 |
| Average earning assets | $65,410,330 | 4,671 |
| Average equity | $27,491,670 | 2,501 |
| Average total loans | $66,245,330 | 4,014 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0651% | 125 |
| Cost of funding earning assets | 0.9385% | 491 |
| Net interest margin | 5.1266% | 183 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 2.4951% | 3,664 |
| Loan and lease loss provision to assets | 0.8387% | 110 |
| Net operating income to assets | 1.2766% | 1,726 |
| Return on assets (ROA) | 1.2766% | 1,731 |
| Pretax return on assets | 1.2766% | 2,449 |
| Return on Equity (ROE) | 3.5164% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.5164% | 3,796 |
| Net charge-offs to loans | 0.9214% | 150 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 2.5220% | 2,454 |
| Efficiency ratio | 54.1190% | 4,787 |
| Assets per employee ($millions) | 25.7783% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 2,946 |
| Loan loss allowance to noncurrent loans | 640.4580% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 4,239 |
| Noncurrent loans to loans | 0.1840% | 4,135 |
| Net loans and leases to total assets | 90.9575% | 43 |
| Net loans and leases to deposits | 143.1432% | 16 |
| Net loans and leases to core deposits | 305.8082% | 24 |
| Total domestic deposits to total assets | 63.5430% | 5,491 |
| Equity capital to assets | 35.7522% | 55 |
| Core capital (leverage) ratio | 37.2854% | 50 |
| Tier 1 risk-based capital ratio | 37.2668% | 273 |
| Total risk-based capital ratio | 38.3977% | 268 |
| Memoranda: | ||
| Average total assets | $75,829,000 | 4,643 |
| Average earning assets | $68,193,500 | 4,675 |
| Average equity | $27,528,000 | 2,524 |
| Average total loans | $69,028,500 | 3,987 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3796% | 86 |
| Cost of funding earning assets | 0.8333% | 522 |
| Net interest margin | 5.5463% | 97 |
| Noninterest income to average assets | 0.0105% | 5,597 |
| Noninterest expense to average assets | 2.5096% | 3,751 |
| Loan and lease loss provision to assets | 1.1387% | 84 |
| Net operating income to assets | 1.3394% | 1,143 |
| Return on assets (ROA) | 1.3394% | 1,168 |
| Pretax return on assets | 1.3394% | 2,217 |
| Return on Equity (ROE) | 3.6962% | 4,605 |
| Retained earnings to average equity (ytd only) | -3.9243% | 5,395 |
| Net charge-offs to loans | 0.9151% | 209 |
| Credit loss provision to net charge-offs | 137.1248% | 1,932 |
| Earnings coverage of net charge-offs (x) | 2.9842% | 3,666 |
| Efficiency ratio | 50.3156% | 5,203 |
| Assets per employee ($millions) | 24.7743% | 37 |
| Cash dividends to net income (ytd only)* | 206.1704% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,443 |
| Loan loss allowance to noncurrent loans | 1,149.3151% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 4,637 |
| Noncurrent loans to loans | 0.1092% | 4,497 |
| Net loans and leases to total assets | 88.8514% | 105 |
| Net loans and leases to deposits | 142.9651% | 19 |
| Net loans and leases to core deposits | 472.3677% | 16 |
| Total domestic deposits to total assets | 62.1490% | 5,568 |
| Equity capital to assets | 36.8755% | 50 |
| Core capital (leverage) ratio | 34.6424% | 54 |
| Tier 1 risk-based capital ratio | 39.0836% | 233 |
| Total risk-based capital ratio | 40.2801% | 228 |
| Memoranda: | ||
| Average total assets | $76,227,400 | 4,665 |
| Average earning assets | $68,406,000 | 4,695 |
| Average equity | $27,623,000 | 2,511 |
| Average total loans | $69,175,600 | 3,985 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3325% | 86 |
| Cost of funding earning assets | 0.8097% | 543 |
| Net interest margin | 5.5228% | 100 |
| Noninterest income to average assets | 0.0174% | 5,656 |
| Noninterest expense to average assets | 2.5517% | 3,561 |
| Loan and lease loss provision to assets | 1.2394% | 78 |
| Net operating income to assets | 1.1942% | 1,721 |
| Return on assets (ROA) | 1.1942% | 1,752 |
| Pretax return on assets | 1.1942% | 2,935 |
| Return on Equity (ROE) | 3.3095% | 5,037 |
| Retained earnings to average equity (ytd only) | -5.2220% | 5,549 |
| Net charge-offs to loans | 0.9137% | 200 |
| Credit loss provision to net charge-offs | 149.1632% | 1,700 |
| Earnings coverage of net charge-offs (x) | 2.9289% | 3,405 |
| Efficiency ratio | 51.1855% | 5,167 |
| Assets per employee ($millions) | 27.4840% | 35 |
| Cash dividends to net income (ytd only)* | 257.7862% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 3,004 |
| Loan loss allowance to noncurrent loans | 1,290.7692% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 4,846 |
| Noncurrent loans to loans | 0.0920% | 4,700 |
| Net loans and leases to total assets | 84.6905% | 367 |
| Net loans and leases to deposits | 129.1742% | 45 |
| Net loans and leases to core deposits | 503.3809% | 14 |
| Total domestic deposits to total assets | 65.5630% | 5,597 |
| Equity capital to assets | 33.2399% | 56 |
| Core capital (leverage) ratio | 32.8169% | 57 |
| Tier 1 risk-based capital ratio | 36.1355% | 298 |
| Total risk-based capital ratio | 37.2417% | 297 |
| Memoranda: | ||
| Average total assets | $76,703,500 | 4,700 |
| Average earning assets | $68,997,250 | 4,735 |
| Average equity | $27,677,000 | 2,525 |
| Average total loans | $69,750,500 | 4,002 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1555% | 108 |
| Cost of funding earning assets | 0.7567% | 666 |
| Net interest margin | 5.3988% | 122 |
| Noninterest income to average assets | 0.0348% | 5,675 |
| Noninterest expense to average assets | 2.6448% | 3,289 |
| Loan and lease loss provision to assets | 1.6875% | 54 |
| Net operating income to assets | 0.6632% | 4,009 |
| Return on assets (ROA) | 0.6632% | 4,067 |
| Pretax return on assets | 0.6632% | 4,655 |
| Return on Equity (ROE) | 1.7863% | 5,371 |
| Retained earnings to average equity (ytd only) | -7.8078% | 5,607 |
| Net charge-offs to loans | 1.1405% | 174 |
| Credit loss provision to net charge-offs | 159.3434% | 1,469 |
| Earnings coverage of net charge-offs (x) | 2.2197% | 3,190 |
| Efficiency ratio | 52.9443% | 5,099 |
| Assets per employee ($millions) | 28.0140% | 35 |
| Cash dividends to net income (ytd only)* | 537.0968% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,633 |
| Loan loss allowance to noncurrent loans | 1,678.0000% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 4,964 |
| Noncurrent loans to loans | 0.0651% | 4,866 |
| Net loans and leases to total assets | 90.4524% | 68 |
| Net loans and leases to deposits | 135.7464% | 32 |
| Net loans and leases to core deposits | 548.8268% | 17 |
| Total domestic deposits to total assets | 66.6333% | 5,627 |
| Equity capital to assets | 32.6111% | 55 |
| Core capital (leverage) ratio | 32.6309% | 55 |
| Tier 1 risk-based capital ratio | 34.0430% | 330 |
| Total risk-based capital ratio | 35.0851% | 333 |
| Memoranda: | ||
| Average total assets | $74,787,330 | 4,770 |
| Average earning assets | $68,718,670 | 4,770 |
| Average equity | $27,767,000 | 2,521 |
| Average total loans | $69,444,670 | 4,031 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9508% | 130 |
| Cost of funding earning assets | 0.6455% | 1,099 |
| Net interest margin | 5.3053% | 135 |
| Noninterest income to average assets | 0.0057% | 5,805 |
| Noninterest expense to average assets | 2.6796% | 3,215 |
| Loan and lease loss provision to assets | 1.7104% | 45 |
| Net operating income to assets | 0.5359% | 4,441 |
| Return on assets (ROA) | 0.5359% | 4,482 |
| Pretax return on assets | 0.5359% | 4,882 |
| Return on Equity (ROE) | 1.3454% | 5,447 |
| Retained earnings to average equity (ytd only) | -15.5723% | 5,671 |
| Net charge-offs to loans | 0.9553% | 173 |
| Credit loss provision to net charge-offs | 191.0828% | 1,038 |
| Earnings coverage of net charge-offs (x) | 2.5096% | 2,582 |
| Efficiency ratio | 54.3981% | 5,089 |
| Assets per employee ($millions) | 25.1430% | 36 |
| Cash dividends to net income (ytd only)* | 1,257.4468% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,764 |
| Loan loss allowance to noncurrent loans | 878.8235% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 4,818 |
| Noncurrent loans to loans | 0.1241% | 4,690 |
| Net loans and leases to total assets | 89.8302% | 62 |
| Net loans and leases to deposits | 143.4214% | 14 |
| Net loans and leases to core deposits | 761.2403% | 14 |
| Total domestic deposits to total assets | 62.6337% | 5,754 |
| Equity capital to assets | 36.3295% | 51 |
| Core capital (leverage) ratio | 52.6758% | 38 |
| Tier 1 risk-based capital ratio | 38.0391% | 256 |
| Total risk-based capital ratio | 39.0761% | 256 |
| Memoranda: | ||
| Average total assets | $70,160,000 | 4,914 |
| Average earning assets | $65,067,000 | 4,905 |
| Average equity | $27,947,000 | 2,521 |
| Average total loans | $65,738,500 | 4,136 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0916% | 111 |
| Cost of funding earning assets | 0.6894% | 858 |
| Net interest margin | 5.4022% | 127 |
| Noninterest income to average assets | 0.0015% | 5,849 |
| Noninterest expense to average assets | 2.6789% | 3,417 |
| Loan and lease loss provision to assets | 0.4352% | 335 |
| Net operating income to assets | 1.6269% | 640 |
| Return on assets (ROA) | 1.6269% | 665 |
| Pretax return on assets | 1.6269% | 1,197 |
| Return on Equity (ROE) | 3.8758% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.8758% | 3,164 |
| Net charge-offs to loans | 0.3777% | 716 |
| Credit loss provision to net charge-offs | 130.0448% | 2,067 |
| Earnings coverage of net charge-offs (x) | 6.1614% | 3,223 |
| Efficiency ratio | 56.5052% | 5,012 |
| Assets per employee ($millions) | 21.6303% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 4,532 |
| Loan loss allowance to noncurrent loans | 794.7368% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 4,846 |
| Noncurrent loans to loans | 0.1207% | 4,751 |
| Net loans and leases to total assets | 96.1119% | 3 |
| Net loans and leases to deposits | 174.1636% | 9 |
| Net loans and leases to core deposits | 2,277.8671% | 11 |
| Total domestic deposits to total assets | 55.1848% | 5,853 |
| Equity capital to assets | 43.9059% | 41 |
| Core capital (leverage) ratio | 47.2464% | 40 |
| Tier 1 risk-based capital ratio | 44.3026% | 178 |
| Total risk-based capital ratio | 45.2418% | 179 |
| Memoranda: | ||
| Average total assets | $66,631,000 | 4,996 |
| Average earning assets | $58,457,200 | 5,061 |
| Average equity | $27,968,400 | 2,512 |
| Average total loans | $59,034,200 | 4,331 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1981% | 96 |
| Cost of funding earning assets | 0.7005% | 813 |
| Net interest margin | 5.4976% | 113 |
| Noninterest income to average assets | 0.0000% | 5,922 |
| Noninterest expense to average assets | 2.6560% | 3,480 |
| Loan and lease loss provision to assets | 0.2565% | 728 |
| Net operating income to assets | 1.7992% | 495 |
| Return on assets (ROA) | 1.7992% | 523 |
| Pretax return on assets | 1.7992% | 902 |
| Return on Equity (ROE) | 4.3345% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.3345% | 3,237 |
| Net charge-offs to loans | 0.1424% | 1,564 |
| Credit loss provision to net charge-offs | 208.0645% | 1,404 |
| Earnings coverage of net charge-offs (x) | 16.6783% | 2,097 |
| Efficiency ratio | 56.3713% | 5,022 |
| Assets per employee ($millions) | 22.2527% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 4,063 |
| Loan loss allowance to noncurrent loans | 1,232.6531% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 5,141 |
| Noncurrent loans to loans | 0.0861% | 4,999 |
| Net loans and leases to total assets | 84.3524% | 380 |
| Net loans and leases to deposits | 148.5648% | 12 |
| Net loans and leases to core deposits | 2,056.6837% | 11 |
| Total domestic deposits to total assets | 56.7782% | 5,910 |
| Equity capital to assets | 42.4099% | 40 |
| Core capital (leverage) ratio | 43.2033% | 40 |
| Tier 1 risk-based capital ratio | 47.2103% | 158 |
| Total risk-based capital ratio | 48.2174% | 159 |
| Memoranda: | ||
| Average total assets | $67,066,000 | 5,035 |
| Average earning assets | $57,478,500 | 5,133 |
| Average equity | $27,837,750 | 2,538 |
| Average total loans | $58,049,750 | 4,385 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1867% | 103 |
| Cost of funding earning assets | 0.6913% | 841 |
| Net interest margin | 5.4955% | 111 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 2.7036% | 3,387 |
| Loan and lease loss provision to assets | 0.3514% | 468 |
| Net operating income to assets | 1.6794% | 601 |
| Return on assets (ROA) | 1.6794% | 642 |
| Pretax return on assets | 1.6794% | 1,148 |
| Return on Equity (ROE) | 4.0752% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.0752% | 3,312 |
| Net charge-offs to loans | 0.1746% | 1,294 |
| Credit loss provision to net charge-offs | 231.3725% | 1,171 |
| Earnings coverage of net charge-offs (x) | 13.3725% | 2,134 |
| Efficiency ratio | 57.1069% | 5,013 |
| Assets per employee ($millions) | 22.5663% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 4,393 |
| Loan loss allowance to noncurrent loans | 1,342.2222% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 5,289 |
| Noncurrent loans to loans | 0.0762% | 5,146 |
| Net loans and leases to total assets | 86.3868% | 230 |
| Net loans and leases to deposits | 149.0430% | 11 |
| Net loans and leases to core deposits | 2,135.9752% | 11 |
| Total domestic deposits to total assets | 57.9610% | 5,988 |
| Equity capital to assets | 41.3167% | 44 |
| Core capital (leverage) ratio | 42.8077% | 40 |
| Tier 1 risk-based capital ratio | 44.6023% | 174 |
| Total risk-based capital ratio | 45.5654% | 179 |
| Memoranda: | ||
| Average total assets | $67,168,670 | 5,082 |
| Average earning assets | $57,866,000 | 5,175 |
| Average equity | $27,679,670 | 2,555 |
| Average total loans | $58,427,670 | 4,397 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9560% | 130 |
| Cost of funding earning assets | 0.6811% | 888 |
| Net interest margin | 5.2749% | 154 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 2.7622% | 3,206 |
| Loan and lease loss provision to assets | 0.2571% | 671 |
| Net operating income to assets | 1.5186% | 823 |
| Return on assets (ROA) | 1.5186% | 868 |
| Pretax return on assets | 1.5186% | 1,533 |
| Return on Equity (ROE) | 3.6900% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.6900% | 3,647 |
| Net charge-offs to loans | 0.1652% | 1,145 |
| Credit loss provision to net charge-offs | 179.1667% | 1,155 |
| Earnings coverage of net charge-offs (x) | 12.3750% | 1,800 |
| Efficiency ratio | 60.8696% | 4,620 |
| Assets per employee ($millions) | 22.4383% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,894 |
| Loan loss allowance to noncurrent loans | 3,270.5882% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,540 |
| Noncurrent loans to loans | 0.0288% | 5,376 |
| Net loans and leases to total assets | 86.8499% | 173 |
| Net loans and leases to deposits | 149.9167% | 11 |
| Net loans and leases to core deposits | 11,739.5582% | 7 |
| Total domestic deposits to total assets | 57.9321% | 6,051 |
| Equity capital to assets | 41.0919% | 44 |
| Core capital (leverage) ratio | 42.6394% | 42 |
| Tier 1 risk-based capital ratio | 42.8846% | 201 |
| Total risk-based capital ratio | 43.7466% | 201 |
| Memoranda: | ||
| Average total assets | $66,903,500 | 5,131 |
| Average earning assets | $57,555,500 | 5,228 |
| Average equity | $27,534,000 | 2,560 |
| Average total loans | $58,098,000 | 4,436 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9754% | 136 |
| Cost of funding earning assets | 0.4154% | 2,991 |
| Net interest margin | 5.5600% | 110 |
| Noninterest income to average assets | 0.0024% | 6,100 |
| Noninterest expense to average assets | 3.1518% | 2,086 |
| Loan and lease loss provision to assets | 0.3431% | 439 |
| Net operating income to assets | 0.9418% | 2,655 |
| Return on assets (ROA) | 1.5357% | 833 |
| Pretax return on assets | 1.5357% | 1,446 |
| Return on Equity (ROE) | 2.3881% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.3881% | 4,355 |
| Net charge-offs to loans | -0.5772% | 6,096 |
| Credit loss provision to net charge-offs | -84.3023% | 5,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0400% | 3,060 |
| Assets per employee ($millions) | 22.1640% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 4,922 |
| Loan loss allowance to noncurrent loans | 2,826.3158% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 5,579 |
| Noncurrent loans to loans | 0.0332% | 5,381 |
| Net loans and leases to total assets | 85.1832% | 296 |
| Net loans and leases to deposits | 147.1283% | 13 |
| Net loans and leases to core deposits | -150.1272% | 6,165 |
| Total domestic deposits to total assets | 57.8972% | 6,108 |
| Equity capital to assets | 41.2185% | 46 |
| Core capital (leverage) ratio | 47.9453% | 42 |
| Tier 1 risk-based capital ratio | 44.6878% | 174 |
| Total risk-based capital ratio | 45.5633% | 175 |
| Memoranda: | ||
| Average total assets | $42,261,200 | 5,720 |
| Average earning assets | $33,705,000 | 5,821 |
| Average equity | $27,176,400 | 2,528 |
| Average total loans | $29,800,000 | 5,367 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8728% | 160 |
| Cost of funding earning assets | 0.2812% | 4,543 |
| Net interest margin | 5.5915% | 109 |
| Noninterest income to average assets | 0.0037% | 6,186 |
| Noninterest expense to average assets | 3.2998% | 1,692 |
| Loan and lease loss provision to assets | 0.4161% | 279 |
| Net operating income to assets | 0.6076% | 4,349 |
| Return on assets (ROA) | 1.5320% | 912 |
| Pretax return on assets | 1.5320% | 1,591 |
| Return on Equity (ROE) | 2.0453% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.0453% | 4,853 |
| Net charge-offs to loans | -0.8248% | 6,193 |
| Credit loss provision to net charge-offs | -79.5775% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3203% | 2,193 |
| Assets per employee ($millions) | 17.2123% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 3,708 |
| Loan loss allowance to noncurrent loans | 1,187.5000% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 5,448 |
| Noncurrent loans to loans | 0.1003% | 5,231 |
| Net loans and leases to total assets | 76.3406% | 1,343 |
| Net loans and leases to deposits | 164.7718% | 9 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 46.3311% | 6,218 |
| Equity capital to assets | 52.6251% | 40 |
| Core capital (leverage) ratio | 60.0053% | 36 |
| Tier 1 risk-based capital ratio | 61.5981% | 88 |
| Total risk-based capital ratio | 62.6748% | 88 |
| Memoranda: | ||
| Average total assets | $36,203,500 | 5,922 |
| Average earning assets | $27,970,250 | 6,018 |
| Average equity | $27,118,750 | 2,549 |
| Average total loans | $22,955,750 | 5,696 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6806% | 201 |
| Cost of funding earning assets | 0.0662% | 6,238 |
| Net interest margin | 5.6144% | 107 |
| Noninterest income to average assets | 0.0064% | 6,252 |
| Noninterest expense to average assets | 3.5610% | 1,193 |
| Loan and lease loss provision to assets | 0.5409% | 176 |
| Net operating income to assets | 0.2705% | 5,530 |
| Return on assets (ROA) | 0.2705% | 5,614 |
| Pretax return on assets | 0.2705% | 5,706 |
| Return on Equity (ROE) | 0.3100% | 5,990 |
| Retained earnings to average equity (ytd only) | 0.3100% | 5,412 |
| Net charge-offs to loans | -0.8550% | 6,259 |
| Credit loss provision to net charge-offs | -113.5135% | 4,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4433% | 1,564 |
| Assets per employee ($millions) | 12.2333% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 1,914 |
| Loan loss allowance to noncurrent loans | 7,560.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 5,843 |
| Noncurrent loans to loans | 0.0212% | 5,675 |
| Net loans and leases to total assets | 63.3569% | 3,362 |
| Net loans and leases to deposits | 254.5375% | 9 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 24.8910% | 6,315 |
| Equity capital to assets | 73.7575% | 31 |
| Core capital (leverage) ratio | 87.8516% | 16 |
| Tier 1 risk-based capital ratio | 95.1806% | 47 |
| Total risk-based capital ratio | 96.4307% | 47 |
| Memoranda: | ||
| Average total assets | $31,059,000 | 6,089 |
| Average earning assets | $24,152,330 | 6,146 |
| Average equity | $27,100,330 | 2,560 |
| Average total loans | $17,309,330 | 5,947 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8512% | 158 |
| Cost of funding earning assets | 0.0376% | 6,359 |
| Net interest margin | 5.8136% | 86 |
| Noninterest income to average assets | 0.0142% | 6,303 |
| Noninterest expense to average assets | 3.7962% | 882 |
| Loan and lease loss provision to assets | -0.4816% | 6,351 |
| Net operating income to assets | 1.0765% | 1,942 |
| Return on assets (ROA) | 1.0765% | 2,061 |
| Pretax return on assets | 1.0765% | 3,185 |
| Return on Equity (ROE) | 1.1211% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.1211% | 5,033 |
| Net charge-offs to loans | -1.6680% | 6,351 |
| Credit loss provision to net charge-offs | 57.6271% | 2,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4516% | 1,142 |
| Assets per employee ($millions) | 9.4360% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 1,928 |
| Loan loss allowance to noncurrent loans | 544.4444% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 5,320 |
| Noncurrent loans to loans | 0.3009% | 4,711 |
| Net loans and leases to total assets | 51.9606% | 4,667 |
| Net loans and leases to deposits | 1,927.7851% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.6954% | 6,405 |
| Equity capital to assets | 95.8916% | 5 |
| Core capital (leverage) ratio | 96.5842% | 5 |
| Tier 1 risk-based capital ratio | 145.5206% | 38 |
| Total risk-based capital ratio | 146.7733% | 38 |
| Memoranda: | ||
| Average total assets | $28,238,500 | 6,202 |
| Average earning assets | $21,260,500 | 6,257 |
| Average equity | $27,116,000 | 2,571 |
| Average total loans | $14,149,000 | 6,108 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 617 |
| Cost of funding earning assets | 0.0365% | 6,446 |
| Net interest margin | 5.0740% | 265 |
| Noninterest income to average assets | 0.0145% | 6,366 |
| Noninterest expense to average assets | 3.6982% | 1,154 |
| Loan and lease loss provision to assets | -0.7505% | 6,474 |
| Net operating income to assets | 1.0986% | 1,983 |
| Return on assets (ROA) | 0.5294% | 4,772 |
| Pretax return on assets | 0.5294% | 5,171 |
| Return on Equity (ROE) | 0.5519% | 6,029 |
| Retained earnings to average equity (ytd only) | 0.5519% | 5,523 |
| Net charge-offs to loans | -3.1840% | 6,466 |
| Credit loss provision to net charge-offs | 63.3028% | 3,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3978% | 752 |
| Assets per employee ($millions) | 9.3897% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 1,930 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 5,719 |
| Noncurrent loans to loans | 0.1649% | 5,239 |
| Net loans and leases to total assets | 46.5902% | 5,275 |
| Net loans and leases to deposits | 1,724.5729% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7016% | 6,495 |
| Equity capital to assets | 96.1589% | 5 |
| Core capital (leverage) ratio | 96.7390% | 5 |
| Tier 1 risk-based capital ratio | 159.5397% | 33 |
| Total risk-based capital ratio | 160.7918% | 33 |
| Memoranda: | ||
| Average total assets | $27,580,800 | 6,301 |
| Average earning assets | $21,915,600 | 6,331 |
| Average equity | $26,452,400 | 2,528 |
| Average total loans | $10,270,200 | 6,310 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 580 |
| Cost of funding earning assets | 0.0360% | 6,531 |
| Net interest margin | 5.1104% | 243 |
| Noninterest income to average assets | 0.0146% | 6,450 |
| Noninterest expense to average assets | 3.7034% | 1,114 |
| Loan and lease loss provision to assets | -0.8311% | 6,561 |
| Net operating income to assets | 1.2831% | 1,421 |
| Return on assets (ROA) | 1.2831% | 1,473 |
| Pretax return on assets | 1.2831% | 2,442 |
| Return on Equity (ROE) | 1.3387% | 5,980 |
| Retained earnings to average equity (ytd only) | 1.3387% | 5,362 |
| Net charge-offs to loans | -3.8869% | 6,545 |
| Credit loss provision to net charge-offs | 61.7329% | 2,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1228% | 917 |
| Assets per employee ($millions) | 9.2730% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 2,154 |
| Loan loss allowance to noncurrent loans | 1,084.2105% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 5,882 |
| Noncurrent loans to loans | 0.1517% | 5,455 |
| Net loans and leases to total assets | 44.2899% | 5,503 |
| Net loans and leases to deposits | 1,623.3202% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7284% | 6,574 |
| Equity capital to assets | 96.0351% | 4 |
| Core capital (leverage) ratio | 97.1129% | 3 |
| Tier 1 risk-based capital ratio | 175.6142% | 31 |
| Total risk-based capital ratio | 176.8688% | 31 |
| Memoranda: | ||
| Average total assets | $27,433,750 | 6,378 |
| Average earning assets | $22,228,750 | 6,405 |
| Average equity | $26,293,750 | 2,551 |
| Average total loans | $9,501,750 | 6,402 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4608% | 331 |
| Cost of funding earning assets | 0.0375% | 6,595 |
| Net interest margin | 5.4234% | 148 |
| Noninterest income to average assets | 0.0146% | 6,522 |
| Noninterest expense to average assets | 3.7722% | 1,008 |
| Loan and lease loss provision to assets | -1.1939% | 6,638 |
| Net operating income to assets | 1.6773% | 601 |
| Return on assets (ROA) | 1.6773% | 639 |
| Pretax return on assets | 1.6773% | 1,065 |
| Return on Equity (ROE) | 1.7512% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.7512% | 5,021 |
| Net charge-offs to loans | -6.0989% | 6,612 |
| Credit loss provision to net charge-offs | 62.9344% | 2,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6403% | 1,033 |
| Assets per employee ($millions) | 6.9950% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 2,610 |
| Loan loss allowance to noncurrent loans | 2,177.7778% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 6,113 |
| Noncurrent loans to loans | 0.0718% | 5,808 |
| Net loans and leases to total assets | 44.1208% | 5,525 |
| Net loans and leases to deposits | 1,628.6280% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7091% | 6,642 |
| Equity capital to assets | 95.9435% | 5 |
| Core capital (leverage) ratio | 99.4001% | 2 |
| Tier 1 risk-based capital ratio | 173.9936% | 31 |
| Total risk-based capital ratio | 175.2447% | 31 |
| Memoranda: | ||
| Average total assets | $27,305,330 | 6,440 |
| Average earning assets | $21,352,000 | 6,487 |
| Average equity | $26,153,000 | 2,552 |
| Average total loans | $8,493,330 | 6,487 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8388% | 180 |
| Cost of funding earning assets | 0.0416% | 6,670 |
| Net interest margin | 5.7973% | 97 |
| Noninterest income to average assets | 0.0148% | 6,581 |
| Noninterest expense to average assets | 3.8713% | 902 |
| Loan and lease loss provision to assets | -0.6526% | 6,685 |
| Net operating income to assets | 0.9344% | 2,485 |
| Return on assets (ROA) | 0.9344% | 2,554 |
| Pretax return on assets | 0.9344% | 3,578 |
| Return on Equity (ROE) | 0.9765% | 6,045 |
| Retained earnings to average equity (ytd only) | 0.9765% | 5,207 |
| Net charge-offs to loans | -7.7286% | 6,682 |
| Credit loss provision to net charge-offs | 35.2000% | 2,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2143% | 800 |
| Assets per employee ($millions) | 6.8093% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5794% | 733 |
| Loan loss allowance to noncurrent loans | 1,392.3077% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 6,137 |
| Noncurrent loans to loans | 0.1853% | 5,538 |
| Net loans and leases to total assets | 25.0982% | 6,486 |
| Net loans and leases to deposits | 904.2328% | 6 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7756% | 6,713 |
| Equity capital to assets | 95.7851% | 8 |
| Core capital (leverage) ratio | 100.5921% | 1 |
| Tier 1 risk-based capital ratio | 247.1509% | 26 |
| Total risk-based capital ratio | 248.4017% | 26 |
| Memoranda: | ||
| Average total assets | $26,968,000 | 6,519 |
| Average earning assets | $19,250,500 | 6,587 |
| Average equity | $25,807,000 | 2,573 |
| Average total loans | $6,469,500 | 6,614 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,941 |
| Cost of funding earning assets | 0.0199% | 6,775 |
| Net interest margin | 4.2857% | 1,145 |
| Noninterest income to average assets | 0.0548% | 6,536 |
| Noninterest expense to average assets | 5.2266% | 293 |
| Loan and lease loss provision to assets | -2.4033% | 6,811 |
| Net operating income to assets | 0.3835% | 5,200 |
| Return on assets (ROA) | 0.3616% | 5,402 |
| Pretax return on assets | 0.3616% | 5,580 |
| Return on Equity (ROE) | 0.3797% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.3797% | 5,676 |
| Net charge-offs to loans | -16.2293% | 6,772 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.9841% | 49 |
| Assets per employee ($millions) | 3.3374% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6886% | 2,437 |
| Loan loss allowance to noncurrent loans | 357.1429% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 6,016 |
| Noncurrent loans to loans | 0.4728% | 4,813 |
| Net loans and leases to total assets | 21.8061% | 6,641 |
| Net loans and leases to deposits | 772.1485% | 5 |
| Net loans and leases to core deposits | 772.1485% | 16 |
| Total domestic deposits to total assets | 2.8241% | 6,796 |
| Equity capital to assets | 95.6028% | 8 |
| Core capital (leverage) ratio | 98.7495% | 3 |
| Tier 1 risk-based capital ratio | 267.3498% | 23 |
| Total risk-based capital ratio | 268.3544% | 23 |
| Memoranda: | ||
| Average total assets | $27,379,200 | 6,578 |
| Average earning assets | $20,136,600 | 6,654 |
| Average equity | $26,069,800 | 2,538 |
| Average total loans | $4,054,400 | 6,749 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 4,135 |
| Cost of funding earning assets | 0.0130% | 6,858 |
| Net interest margin | 3.9867% | 1,990 |
| Noninterest income to average assets | 0.0581% | 6,610 |
| Noninterest expense to average assets | 5.3043% | 280 |
| Loan and lease loss provision to assets | -2.6763% | 6,890 |
| Net operating income to assets | 0.3969% | 5,251 |
| Return on assets (ROA) | 0.3969% | 5,390 |
| Pretax return on assets | 0.3969% | 5,630 |
| Return on Equity (ROE) | 0.4172% | 6,287 |
| Retained earnings to average equity (ytd only) | 0.4172% | 5,805 |
| Net charge-offs to loans | -20.5522% | 6,851 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.3600% | 41 |
| Assets per employee ($millions) | 3.0140% | 5,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5458% | 892 |
| Loan loss allowance to noncurrent loans | 263.1579% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 6,032 |
| Noncurrent loans to loans | 0.9674% | 3,879 |
| Net loans and leases to total assets | 14.1119% | 6,809 |
| Net loans and leases to deposits | 428.1879% | 7 |
| Net loans and leases to core deposits | 2,695.7746% | 13 |
| Total domestic deposits to total assets | 3.2957% | 6,872 |
| Equity capital to assets | 94.8426% | 5 |
| Core capital (leverage) ratio | 96.7443% | 4 |
| Tier 1 risk-based capital ratio | 318.6938% | 17 |
| Total risk-based capital ratio | 319.8922% | 17 |
| Memoranda: | ||
| Average total assets | $27,549,250 | 6,650 |
| Average earning assets | $20,500,750 | 6,721 |
| Average equity | $26,206,000 | 2,565 |
| Average total loans | $3,587,500 | 6,834 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 4,227 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 3.9698% | 1,966 |
| Noninterest income to average assets | 0.0795% | 6,591 |
| Noninterest expense to average assets | 5.2076% | 310 |
| Loan and lease loss provision to assets | -2.8096% | 6,937 |
| Net operating income to assets | 0.7728% | 3,447 |
| Return on assets (ROA) | 0.7728% | 3,595 |
| Pretax return on assets | 0.7728% | 4,419 |
| Return on Equity (ROE) | 0.8117% | 6,251 |
| Retained earnings to average equity (ytd only) | 0.8117% | 5,570 |
| Net charge-offs to loans | -22.3949% | 6,899 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.2369% | 52 |
| Assets per employee ($millions) | 3.0629% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0900% | 235 |
| Loan loss allowance to noncurrent loans | 277.7778% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 6,094 |
| Noncurrent loans to loans | 1.4724% | 3,100 |
| Net loans and leases to total assets | 8.5069% | 6,884 |
| Net loans and leases to deposits | 222.9087% | 11 |
| Net loans and leases to core deposits | 776.4901% | 20 |
| Total domestic deposits to total assets | 3.8163% | 6,924 |
| Equity capital to assets | 94.4461% | 5 |
| Core capital (leverage) ratio | 97.2882% | 3 |
| Tier 1 risk-based capital ratio | 394.3704% | 14 |
| Total risk-based capital ratio | 395.6444% | 14 |
| Memoranda: | ||
| Average total assets | $27,690,330 | 6,700 |
| Average earning assets | $21,563,000 | 6,750 |
| Average equity | $26,365,670 | 2,551 |
| Average total loans | $3,474,000 | 6,882 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 3,649 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 4.1190% | 1,406 |
| Noninterest income to average assets | 0.1009% | 6,574 |
| Noninterest expense to average assets | 5.4049% | 281 |
| Loan and lease loss provision to assets | -2.6664% | 7,014 |
| Net operating income to assets | 0.8936% | 2,683 |
| Return on assets (ROA) | 0.8936% | 2,831 |
| Pretax return on assets | 0.8936% | 3,786 |
| Return on Equity (ROE) | 0.9348% | 6,235 |
| Retained earnings to average equity (ytd only) | 0.9348% | 5,473 |
| Net charge-offs to loans | -18.5533% | 6,975 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.8095% | 93 |
| Assets per employee ($millions) | 3.0381% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9533% | 690 |
| Loan loss allowance to noncurrent loans | 188.6792% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 5,988 |
| Noncurrent loans to loans | 1.5653% | 3,193 |
| Net loans and leases to total assets | 12.0177% | 6,947 |
| Net loans and leases to deposits | 1,080.9211% | 9 |
| Net loans and leases to core deposits | 1,080.9211% | 20 |
| Total domestic deposits to total assets | 1.1118% | 7,007 |
| Equity capital to assets | 97.1181% | 1 |
| Core capital (leverage) ratio | 96.1121% | 3 |
| Tier 1 risk-based capital ratio | 362.4523% | 14 |
| Total risk-based capital ratio | 363.7070% | 14 |
| Memoranda: | ||
| Average total assets | $27,752,500 | 6,766 |
| Average earning assets | $23,792,000 | 6,771 |
| Average equity | $26,531,000 | 2,564 |
| Average total loans | $3,988,500 | 6,947 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4768% | 653 |
| Cost of funding earning assets | 0.0620% | 7,023 |
| Net interest margin | 5.4148% | 194 |
| Noninterest income to average assets | 0.0720% | 6,615 |
| Noninterest expense to average assets | 5.7209% | 250 |
| Loan and lease loss provision to assets | -3.2663% | 7,083 |
| Net operating income to assets | 2.7655% | 115 |
| Return on assets (ROA) | 2.7655% | 126 |
| Pretax return on assets | 2.7655% | 181 |
| Return on Equity (ROE) | 3.1189% | 5,507 |
| Retained earnings to average equity (ytd only) | 0.0037% | 5,829 |
| Net charge-offs to loans | -8.3463% | 7,041 |
| Credit loss provision to net charge-offs | 144.8476% | 1,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5925% | 337 |
| Assets per employee ($millions) | 2.8162% | 6,291 |
| Cash dividends to net income (ytd only)* | 99.8817% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1782% | 1,585 |
| Loan loss allowance to noncurrent loans | 208.3333% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 6,135 |
| Noncurrent loans to loans | 1.0455% | 4,126 |
| Net loans and leases to total assets | 15.9470% | 6,973 |
| Net loans and leases to deposits | 1,407.8370% | 8 |
| Net loans and leases to core deposits | 1,407.8370% | 20 |
| Total domestic deposits to total assets | 1.1327% | 7,071 |
| Equity capital to assets | 94.1233% | 6 |
| Core capital (leverage) ratio | 87.0763% | 12 |
| Tier 1 risk-based capital ratio | 348.3511% | 17 |
| Total risk-based capital ratio | 349.5993% | 17 |
| Memoranda: | ||
| Average total assets | $30,554,600 | 6,743 |
| Average earning assets | $29,049,800 | 6,689 |
| Average equity | $27,092,800 | 2,476 |
| Average total loans | $8,255,200 | 6,907 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1427% | 236 |
| Cost of funding earning assets | 0.0589% | 7,138 |
| Net interest margin | 6.0837% | 83 |
| Noninterest income to average assets | 0.0728% | 6,725 |
| Noninterest expense to average assets | 5.6751% | 246 |
| Loan and lease loss provision to assets | -2.9745% | 7,179 |
| Net operating income to assets | 3.1157% | 98 |
| Return on assets (ROA) | 3.1157% | 103 |
| Pretax return on assets | 3.1157% | 140 |
| Return on Equity (ROE) | 3.5634% | 5,472 |
| Retained earnings to average equity (ytd only) | 3.5634% | 4,369 |
| Net charge-offs to loans | -7.0653% | 7,137 |
| Credit loss provision to net charge-offs | 143.0041% | 2,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5717% | 619 |
| Assets per employee ($millions) | 3.1696% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2911% | 555 |
| Loan loss allowance to noncurrent loans | 259.7403% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 6,088 |
| Noncurrent loans to loans | 1.2671% | 3,935 |
| Net loans and leases to total assets | 18.5418% | 7,046 |
| Net loans and leases to deposits | 1,121.5649% | 7 |
| Net loans and leases to core deposits | 1,121.5649% | 22 |
| Total domestic deposits to total assets | 1.6532% | 7,172 |
| Equity capital to assets | 86.9637% | 15 |
| Core capital (leverage) ratio | 100.0441% | 1 |
| Tier 1 risk-based capital ratio | 291.6801% | 18 |
| Total risk-based capital ratio | 292.9436% | 18 |
| Memoranda: | ||
| Average total assets | $31,152,750 | 6,815 |
| Average earning assets | $29,411,000 | 6,765 |
| Average equity | $27,239,250 | 2,486 |
| Average total loans | $9,171,250 | 6,967 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1613% | 74 |
| Cost of funding earning assets | 0.0694% | 7,197 |
| Net interest margin | 7.0919% | 52 |
| Noninterest income to average assets | 0.1098% | 6,631 |
| Noninterest expense to average assets | 5.5664% | 261 |
| Loan and lease loss provision to assets | -2.7186% | 7,243 |
| Net operating income to assets | 3.8616% | 67 |
| Return on assets (ROA) | 3.8616% | 66 |
| Pretax return on assets | 3.8616% | 90 |
| Return on Equity (ROE) | 4.4082% | 5,087 |
| Retained earnings to average equity (ytd only) | 4.4082% | 3,676 |
| Net charge-offs to loans | -6.1160% | 7,199 |
| Credit loss provision to net charge-offs | 134.9359% | 2,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9644% | 1,750 |
| Assets per employee ($millions) | 2.8495% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7836% | 397 |
| Loan loss allowance to noncurrent loans | 344.8276% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 6,002 |
| Noncurrent loans to loans | 1.0972% | 4,329 |
| Net loans and leases to total assets | 26.7731% | 6,960 |
| Net loans and leases to deposits | 1,453.1429% | 7 |
| Net loans and leases to core deposits | 1,453.1429% | 20 |
| Total domestic deposits to total assets | 1.8424% | 7,239 |
| Equity capital to assets | 96.3257% | 3 |
| Core capital (leverage) ratio | 99.4023% | 1 |
| Tier 1 risk-based capital ratio | 224.8673% | 24 |
| Total risk-based capital ratio | 226.1364% | 24 |
| Memoranda: | ||
| Average total assets | $30,971,670 | 6,867 |
| Average earning assets | $28,821,670 | 6,829 |
| Average equity | $27,131,000 | 2,469 |
| Average total loans | $10,202,670 | 6,990 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4574% | 70 |
| Cost of funding earning assets | 0.1173% | 7,231 |
| Net interest margin | 7.3400% | 50 |
| Noninterest income to average assets | 0.0869% | 6,796 |
| Noninterest expense to average assets | 5.3400% | 295 |
| Loan and lease loss provision to assets | -1.8628% | 7,297 |
| Net operating income to assets | 3.6014% | 78 |
| Return on assets (ROA) | 3.6014% | 87 |
| Pretax return on assets | 3.6014% | 113 |
| Return on Equity (ROE) | 4.3007% | 5,140 |
| Retained earnings to average equity (ytd only) | 4.3007% | 4,009 |
| Net charge-offs to loans | -4.7974% | 7,257 |
| Credit loss provision to net charge-offs | 110.2941% | 2,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4386% | 2,860 |
| Assets per employee ($millions) | 2.9301% | 6,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9253% | 393 |
| Loan loss allowance to noncurrent loans | 334.7458% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 5,854 |
| Noncurrent loans to loans | 1.1726% | 4,373 |
| Net loans and leases to total assets | 32.9955% | 6,779 |
| Net loans and leases to deposits | 1,503.5770% | 7 |
| Net loans and leases to core deposits | 1,503.5770% | 20 |
| Total domestic deposits to total assets | 2.1945% | 7,297 |
| Equity capital to assets | 92.5702% | 4 |
| Core capital (leverage) ratio | 85.9341% | 10 |
| Tier 1 risk-based capital ratio | 192.6400% | 26 |
| Total risk-based capital ratio | 193.9122% | 26 |
| Memoranda: | ||
| Average total assets | $32,210,000 | 6,887 |
| Average earning assets | $30,681,000 | 6,824 |
| Average equity | $26,972,500 | 2,477 |
| Average total loans | $11,339,500 | 7,009 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5302% | 41 |
| Cost of funding earning assets | 0.3459% | 7,021 |
| Net interest margin | 8.1842% | 31 |
| Noninterest income to average assets | 0.3227% | 5,234 |
| Noninterest expense to average assets | 5.1423% | 349 |
| Loan and lease loss provision to assets | -5.0839% | 7,356 |
| Net operating income to assets | 8.1753% | 26 |
| Return on assets (ROA) | 8.1753% | 27 |
| Pretax return on assets | 8.1753% | 36 |
| Return on Equity (ROE) | 13.0550% | 1,151 |
| Retained earnings to average equity (ytd only) | 5.5865% | 2,246 |
| Net charge-offs to loans | 0.1900% | 4,624 |
| Credit loss provision to net charge-offs | -5,875.6757% | 6,946 |
| Earnings coverage of net charge-offs (x) | 35.7297% | 734 |
| Efficiency ratio | 62.4538% | 5,386 |
| Assets per employee ($millions) | 2.9266% | 6,235 |
| Cash dividends to net income (ytd only)* | 57.2082% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2419% | 655 |
| Loan loss allowance to noncurrent loans | 378.7037% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 6,209 |
| Noncurrent loans to loans | 0.8561% | 4,981 |
| Net loans and leases to total assets | 34.7590% | 6,832 |
| Net loans and leases to deposits | 1,279.5597% | 8 |
| Net loans and leases to core deposits | 1,279.5597% | 24 |
| Total domestic deposits to total assets | 2.7165% | 7,345 |
| Equity capital to assets | 76.3718% | 26 |
| Core capital (leverage) ratio | 73.6813% | 23 |
| Tier 1 risk-based capital ratio | 154.7152% | 37 |
| Total risk-based capital ratio | 155.9816% | 37 |
| Memoranda: | ||
| Average total assets | $42,762,800 | 6,578 |
| Average earning assets | $41,335,600 | 6,483 |
| Average equity | $26,779,000 | 2,413 |
| Average total loans | $19,474,800 | 6,681 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7085% | 43 |
| Cost of funding earning assets | 0.3801% | 7,061 |
| Net interest margin | 8.3284% | 32 |
| Noninterest income to average assets | 0.3164% | 5,329 |
| Noninterest expense to average assets | 5.0021% | 373 |
| Loan and lease loss provision to assets | -4.8916% | 7,436 |
| Net operating income to assets | 8.3149% | 25 |
| Return on assets (ROA) | 8.3149% | 28 |
| Pretax return on assets | 8.3149% | 38 |
| Return on Equity (ROE) | 13.8766% | 1,060 |
| Retained earnings to average equity (ytd only) | 13.8766% | 301 |
| Net charge-offs to loans | 0.5915% | 2,485 |
| Credit loss provision to net charge-offs | -1,743.6170% | 6,816 |
| Earnings coverage of net charge-offs (x) | 12.2022% | 1,732 |
| Efficiency ratio | 59.3695% | 5,814 |
| Assets per employee ($millions) | 3.2276% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7381% | 112 |
| Loan loss allowance to noncurrent loans | 703.9683% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 6,259 |
| Noncurrent loans to loans | 0.8151% | 5,237 |
| Net loans and leases to total assets | 37.6210% | 6,796 |
| Net loans and leases to deposits | 1,482.2991% | 8 |
| Net loans and leases to core deposits | 1,482.2991% | 23 |
| Total domestic deposits to total assets | 2.5380% | 7,425 |
| Equity capital to assets | 72.8460% | 33 |
| Core capital (leverage) ratio | 68.0046% | 33 |
| Tier 1 risk-based capital ratio | 140.4618% | 45 |
| Total risk-based capital ratio | 141.7500% | 44 |
| Memoranda: | ||
| Average total assets | $44,673,750 | 6,565 |
| Average earning assets | $43,496,750 | 6,461 |
| Average equity | $26,768,500 | 2,415 |
| Average total loans | $21,189,500 | 6,669 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8945% | 44 |
| Cost of funding earning assets | 0.4173% | 7,091 |
| Net interest margin | 8.4772% | 34 |
| Noninterest income to average assets | 0.3944% | 4,724 |
| Noninterest expense to average assets | 4.9341% | 393 |
| Loan and lease loss provision to assets | -7.0261% | 7,512 |
| Net operating income to assets | 10.7599% | 20 |
| Return on assets (ROA) | 10.7599% | 20 |
| Pretax return on assets | 10.7599% | 29 |
| Return on Equity (ROE) | 19.0971% | 377 |
| Retained earnings to average equity (ytd only) | 19.0971% | 116 |
| Net charge-offs to loans | 1.4286% | 1,053 |
| Credit loss provision to net charge-offs | -993.3333% | 6,581 |
| Earnings coverage of net charge-offs (x) | 5.2788% | 2,648 |
| Efficiency ratio | 56.9238% | 6,308 |
| Assets per employee ($millions) | 3.5772% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3232% | 329 |
| Loan loss allowance to noncurrent loans | 877.4194% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 6,575 |
| Noncurrent loans to loans | 0.4927% | 5,921 |
| Net loans and leases to total assets | 42.0701% | 6,588 |
| Net loans and leases to deposits | 1,784.4862% | 9 |
| Net loans and leases to core deposits | 1,784.4862% | 25 |
| Total domestic deposits to total assets | 2.3575% | 7,501 |
| Equity capital to assets | 65.7410% | 39 |
| Core capital (leverage) ratio | 61.3060% | 39 |
| Tier 1 risk-based capital ratio | 117.2210% | 48 |
| Total risk-based capital ratio | 118.4985% | 48 |
| Memoranda: | ||
| Average total assets | $46,654,670 | 6,574 |
| Average earning assets | $45,533,670 | 6,456 |
| Average equity | $26,286,670 | 2,441 |
| Average total loans | $23,100,000 | 6,636 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3081% | 41 |
| Cost of funding earning assets | 0.4578% | 7,097 |
| Net interest margin | 8.8504% | 34 |
| Noninterest income to average assets | 0.5936% | 3,221 |
| Noninterest expense to average assets | 5.0949% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.1056% | 70 |
| Return on assets (ROA) | 4.1056% | 73 |
| Pretax return on assets | 4.1056% | 101 |
| Return on Equity (ROE) | 7.8673% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.8673% | 1,788 |
| Net charge-offs to loans | 2.7605% | 392 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.8621% | 2,939 |
| Efficiency ratio | 55.3763% | 6,578 |
| Assets per employee ($millions) | 3.8236% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7337% | 18 |
| Loan loss allowance to noncurrent loans | 2,126.9565% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 6,556 |
| Noncurrent loans to loans | 0.5047% | 6,013 |
| Net loans and leases to total assets | 44.3345% | 6,444 |
| Net loans and leases to deposits | 1,908.2552% | 6 |
| Net loans and leases to core deposits | 1,908.2552% | 24 |
| Total domestic deposits to total assets | 2.3233% | 7,564 |
| Equity capital to assets | 56.3891% | 41 |
| Core capital (leverage) ratio | 51.6279% | 39 |
| Tier 1 risk-based capital ratio | 97.6239% | 53 |
| Total risk-based capital ratio | 98.9746% | 53 |
| Memoranda: | ||
| Average total assets | $48,519,000 | 6,573 |
| Average earning assets | $47,184,500 | 6,440 |
| Average equity | $25,320,000 | 2,512 |
| Average total loans | $25,212,500 | 6,581 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7389% | 26 |
| Cost of funding earning assets | 0.5551% | 7,219 |
| Net interest margin | 12.1838% | 19 |
| Noninterest income to average assets | 0.1884% | 6,408 |
| Noninterest expense to average assets | 6.2169% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 5.6790% | 29 |
| Return on assets (ROA) | 5.6790% | 29 |
| Pretax return on assets | 5.6790% | 41 |
| Return on Equity (ROE) | 9.8967% | 1,967 |
| Retained earnings to average equity (ytd only) | 0.0079% | 5,573 |
| Net charge-offs to loans | 3.6399% | 379 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 1.8130% | 4,363 |
| Efficiency ratio | 52.2610% | 6,971 |
| Assets per employee ($millions) | 3.9350% | 3,929 |
| Cash dividends to net income (ytd only)* | 99.9201% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4800% | 24 |
| Loan loss allowance to noncurrent loans | 2,847.8261% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 6,781 |
| Noncurrent loans to loans | 0.3329% | 6,388 |
| Net loans and leases to total assets | 48.9043% | 6,283 |
| Net loans and leases to deposits | 2,209.9823% | 8 |
| Net loans and leases to core deposits | 2,209.9823% | 22 |
| Total domestic deposits to total assets | 2.2129% | 7,644 |
| Equity capital to assets | 48.4156% | 48 |
| Core capital (leverage) ratio | 52.6908% | 44 |
| Tier 1 risk-based capital ratio | 80.2001% | 64 |
| Total risk-based capital ratio | 81.5369% | 63 |
| Memoranda: | ||
| Average total assets | $44,057,200 | 6,732 |
| Average earning assets | $42,335,000 | 6,629 |
| Average equity | $25,281,200 | 2,523 |
| Average total loans | $37,912,800 | 6,012 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7773% | 22 |
| Cost of funding earning assets | 0.6222% | 7,246 |
| Net interest margin | 13.1552% | 16 |
| Noninterest income to average assets | 0.1640% | 6,692 |
| Noninterest expense to average assets | 6.6188% | 173 |
| Loan and lease loss provision to assets | 3.4055% | 221 |
| Net operating income to assets | 2.7402% | 106 |
| Return on assets (ROA) | 2.7402% | 110 |
| Pretax return on assets | 2.7402% | 166 |
| Return on Equity (ROE) | 4.5598% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.5598% | 3,299 |
| Net charge-offs to loans | 3.5571% | 373 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 1.8046% | 4,358 |
| Efficiency ratio | 51.8528% | 6,991 |
| Assets per employee ($millions) | 3.0532% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3236% | 12 |
| Loan loss allowance to noncurrent loans | 2,597.4026% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 6,544 |
| Noncurrent loans to loans | 0.4745% | 6,244 |
| Net loans and leases to total assets | 62.1381% | 4,501 |
| Net loans and leases to deposits | 1,601.4631% | 9 |
| Net loans and leases to core deposits | 1,601.4631% | 25 |
| Total domestic deposits to total assets | 3.8801% | 7,742 |
| Equity capital to assets | 56.4173% | 47 |
| Core capital (leverage) ratio | 70.2560% | 36 |
| Tier 1 risk-based capital ratio | 78.5690% | 68 |
| Total risk-based capital ratio | 79.9563% | 66 |
| Memoranda: | ||
| Average total assets | $42,282,750 | 6,877 |
| Average earning assets | $40,500,250 | 6,780 |
| Average equity | $25,409,750 | 2,551 |
| Average total loans | $40,481,750 | 5,985 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0555% | 15 |
| Cost of funding earning assets | 0.7892% | 6,949 |
| Net interest margin | 14.2663% | 13 |
| Noninterest income to average assets | 0.1849% | 6,583 |
| Noninterest expense to average assets | 6.9860% | 152 |
| Loan and lease loss provision to assets | 3.8433% | 207 |
| Net operating income to assets | 2.9870% | 83 |
| Return on assets (ROA) | 2.9870% | 86 |
| Pretax return on assets | 2.9870% | 128 |
| Return on Equity (ROE) | 4.8601% | 4,355 |
| Retained earnings to average equity (ytd only) | 4.8601% | 2,978 |
| Net charge-offs to loans | 3.6611% | 388 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 1.7772% | 4,185 |
| Efficiency ratio | 50.5634% | 7,190 |
| Assets per employee ($millions) | 2.3770% | 7,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6298% | 18 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 6,072 |
| Noncurrent loans to loans | 0.5315% | 6,192 |
| Net loans and leases to total assets | 94.3206% | 11 |
| Net loans and leases to deposits | 1,865.2246% | 9 |
| Net loans and leases to core deposits | 1,865.2246% | 24 |
| Total domestic deposits to total assets | 5.0568% | 7,807 |
| Equity capital to assets | 71.8777% | 39 |
| Core capital (leverage) ratio | 64.0428% | 38 |
| Tier 1 risk-based capital ratio | 73.2040% | 78 |
| Total risk-based capital ratio | 74.5808% | 77 |
| Memoranda: | ||
| Average total assets | $41,111,000 | 6,956 |
| Average earning assets | $39,281,330 | 6,876 |
| Average equity | $25,267,000 | 2,566 |
| Average total loans | $43,156,330 | 5,898 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8834% | 20 |
| Cost of funding earning assets | 0.8945% | 6,790 |
| Net interest margin | 13.9888% | 16 |
| Noninterest income to average assets | 0.1825% | 6,649 |
| Noninterest expense to average assets | 6.9253% | 153 |
| Loan and lease loss provision to assets | 5.3560% | 135 |
| Net operating income to assets | 1.3139% | 1,267 |
| Return on assets (ROA) | 1.3139% | 1,340 |
| Pretax return on assets | 1.3139% | 2,016 |
| Return on Equity (ROE) | 2.2961% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.2961% | 4,759 |
| Net charge-offs to loans | 5.1133% | 235 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 1.2453% | 4,012 |
| Efficiency ratio | 50.9396% | 7,249 |
| Assets per employee ($millions) | 2.7178% | 6,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3084% | 26 |
| Loan loss allowance to noncurrent loans | 1,568.6275% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 5,951 |
| Noncurrent loans to loans | 0.5934% | 6,124 |
| Net loans and leases to total assets | 95.5969% | 7 |
| Net loans and leases to deposits | 2,056.5699% | 10 |
| Net loans and leases to core deposits | 2,056.5699% | 29 |
| Total domestic deposits to total assets | 4.6484% | 7,909 |
| Equity capital to assets | 61.7117% | 39 |
| Core capital (leverage) ratio | 54.8212% | 42 |
| Tier 1 risk-based capital ratio | 62.2769% | 101 |
| Total risk-based capital ratio | 63.6334% | 100 |
| Memoranda: | ||
| Average total assets | $43,839,000 | 6,958 |
| Average earning assets | $42,033,500 | 6,857 |
| Average equity | $25,086,500 | 2,605 |
| Average total loans | $45,919,500 | 5,841 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3829% | 15 |
| Cost of funding earning assets | 1.8063% | 3,957 |
| Net interest margin | 12.5766% | 12 |
| Noninterest income to average assets | 0.2332% | 6,445 |
| Noninterest expense to average assets | 5.3239% | 431 |
| Loan and lease loss provision to assets | 6.6183% | 81 |
| Net operating income to assets | 0.2139% | 4,857 |
| Return on assets (ROA) | 0.2139% | 4,918 |
| Pretax return on assets | 0.2139% | 4,975 |
| Return on Equity (ROE) | 0.5301% | 5,379 |
| Retained earnings to average equity (ytd only) | 0.5301% | 4,611 |
| Net charge-offs to loans | 6.5754% | 144 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 1.0323% | 5,079 |
| Efficiency ratio | 43.7963% | 7,780 |
| Assets per employee ($millions) | 2.7595% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1855% | 40 |
| Loan loss allowance to noncurrent loans | 1,179.9410% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 5,663 |
| Noncurrent loans to loans | 0.6937% | 5,849 |
| Net loans and leases to total assets | 95.6428% | 3 |
| Net loans and leases to deposits | 2,324.7150% | 10 |
| Net loans and leases to core deposits | 3,225.5212% | 14 |
| Total domestic deposits to total assets | 4.1142% | 7,986 |
| Equity capital to assets | 53.3244% | 49 |
| Core capital (leverage) ratio | 48.1901% | 50 |
| Tier 1 risk-based capital ratio | 53.4646% | 139 |
| Total risk-based capital ratio | 54.8047% | 136 |
| Memoranda: | ||
| Average total assets | $62,191,000 | 6,266 |
| Average earning assets | $58,958,800 | 6,165 |
| Average equity | $25,088,400 | 2,600 |
| Average total loans | $62,597,000 | 5,144 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3191% | 16 |
| Cost of funding earning assets | 1.9898% | 3,410 |
| Net interest margin | 12.3294% | 15 |
| Noninterest income to average assets | 0.1979% | 6,800 |
| Noninterest expense to average assets | 5.0071% | 484 |
| Loan and lease loss provision to assets | 5.9887% | 108 |
| Net operating income to assets | 0.8665% | 2,549 |
| Return on assets (ROA) | 0.8665% | 2,618 |
| Pretax return on assets | 0.8665% | 3,334 |
| Return on Equity (ROE) | 2.2782% | 5,069 |
| Retained earnings to average equity (ytd only) | 2.2782% | 4,054 |
| Net charge-offs to loans | 5.9871% | 150 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 1.1447% | 4,919 |
| Efficiency ratio | 42.2101% | 7,881 |
| Assets per employee ($millions) | 2.9826% | 6,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2291% | 43 |
| Loan loss allowance to noncurrent loans | 829.8755% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 5,279 |
| Noncurrent loans to loans | 0.8711% | 5,547 |
| Net loans and leases to total assets | 95.6135% | 9 |
| Net loans and leases to deposits | 3,410.7641% | 8 |
| Net loans and leases to core deposits | 3,777.1891% | 13 |
| Total domestic deposits to total assets | 2.8033% | 8,080 |
| Equity capital to assets | 47.1455% | 60 |
| Core capital (leverage) ratio | 43.2341% | 65 |
| Tier 1 risk-based capital ratio | 47.3607% | 188 |
| Total risk-based capital ratio | 48.6874% | 187 |
| Memoranda: | ||
| Average total assets | $66,011,000 | 6,180 |
| Average earning assets | $62,451,000 | 6,091 |
| Average equity | $25,106,750 | 2,627 |
| Average total loans | $66,029,500 | 5,065 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2163% | 18 |
| Cost of funding earning assets | 2.2993% | 2,356 |
| Net interest margin | 11.9170% | 18 |
| Noninterest income to average assets | 0.2510% | 6,490 |
| Noninterest expense to average assets | 4.8660% | 569 |
| Loan and lease loss provision to assets | 5.6989% | 155 |
| Net operating income to assets | 0.9213% | 2,375 |
| Return on assets (ROA) | 0.9213% | 2,470 |
| Pretax return on assets | 0.9213% | 3,271 |
| Return on Equity (ROE) | 2.5800% | 5,066 |
| Retained earnings to average equity (ytd only) | 2.5800% | 3,891 |
| Net charge-offs to loans | 5.7418% | 200 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.1617% | 4,652 |
| Efficiency ratio | 42.3640% | 7,968 |
| Assets per employee ($millions) | 3.2546% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4506% | 62 |
| Loan loss allowance to noncurrent loans | 1,133.1445% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 5,990 |
| Noncurrent loans to loans | 0.5693% | 6,128 |
| Net loans and leases to total assets | 93.8111% | 27 |
| Net loans and leases to deposits | 3,732.9472% | 8 |
| Net loans and leases to core deposits | 4,486.4656% | 11 |
| Total domestic deposits to total assets | 2.5131% | 8,179 |
| Equity capital to assets | 40.7604% | 82 |
| Core capital (leverage) ratio | 38.3883% | 95 |
| Tier 1 risk-based capital ratio | 41.5622% | 276 |
| Total risk-based capital ratio | 42.8781% | 267 |
| Memoranda: | ||
| Average total assets | $70,119,000 | 6,079 |
| Average earning assets | $66,107,000 | 6,002 |
| Average equity | $25,038,670 | 2,636 |
| Average total loans | $69,595,330 | 4,975 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1357% | 19 |
| Cost of funding earning assets | 2.5167% | 1,856 |
| Net interest margin | 11.6190% | 20 |
| Noninterest income to average assets | 0.1885% | 6,943 |
| Noninterest expense to average assets | 4.6539% | 614 |
| Loan and lease loss provision to assets | 5.7097% | 130 |
| Net operating income to assets | 0.7918% | 3,161 |
| Return on assets (ROA) | 0.7918% | 3,326 |
| Pretax return on assets | 0.7918% | 4,105 |
| Return on Equity (ROE) | 2.3562% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.3562% | 4,566 |
| Net charge-offs to loans | 5.7775% | 169 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 1.1387% | 4,182 |
| Efficiency ratio | 41.7190% | 8,009 |
| Assets per employee ($millions) | 3.5049% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7750% | 73 |
| Loan loss allowance to noncurrent loans | 842.1053% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 5,464 |
| Noncurrent loans to loans | 0.6858% | 5,690 |
| Net loans and leases to total assets | 93.1039% | 42 |
| Net loans and leases to deposits | 215.5564% | 31 |
| Net loans and leases to core deposits | 282.0154% | 41 |
| Total domestic deposits to total assets | 43.1924% | 8,131 |
| Equity capital to assets | 35.7057% | 105 |
| Core capital (leverage) ratio | 34.0568% | 122 |
| Tier 1 risk-based capital ratio | 36.6510% | 386 |
| Total risk-based capital ratio | 37.9572% | 382 |
| Memoranda: | ||
| Average total assets | $74,260,000 | 5,997 |
| Average earning assets | $70,092,000 | 5,912 |
| Average equity | $24,955,500 | 2,652 |
| Average total loans | $73,388,000 | 4,856 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5656% | 18 |
| Cost of funding earning assets | 3.3422% | 827 |
| Net interest margin | 11.2235% | 22 |
| Noninterest income to average assets | 0.4003% | 5,470 |
| Noninterest expense to average assets | 7.1194% | 277 |
| Loan and lease loss provision to assets | 5.1792% | 98 |
| Net operating income to assets | -1.2343% | 7,360 |
| Return on assets (ROA) | -1.2343% | 7,299 |
| Pretax return on assets | -1.2343% | 7,132 |
| Return on Equity (ROE) | -3.6859% | 6,705 |
| Retained earnings to average equity (ytd only) | -21.9987% | 7,733 |
| Net charge-offs to loans | 5.2766% | 90 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 0.7617% | 5,769 |
| Efficiency ratio | 64.3455% | 5,488 |
| Assets per employee ($millions) | 3.7344% | 4,096 |
| Cash dividends to net income (ytd only)* | -496.8383% | 8,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1605% | 92 |
| Loan loss allowance to noncurrent loans | 739.3715% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 5,156 |
| Noncurrent loans to loans | 0.6980% | 5,287 |
| Net loans and leases to total assets | 93.7390% | 35 |
| Net loans and leases to deposits | 188.1401% | 47 |
| Net loans and leases to core deposits | 253.1318% | 68 |
| Total domestic deposits to total assets | 49.8240% | 8,124 |
| Equity capital to assets | 31.7283% | 152 |
| Core capital (leverage) ratio | 30.6640% | 179 |
| Tier 1 risk-based capital ratio | 32.3513% | 532 |
| Total risk-based capital ratio | 33.6501% | 520 |
| Memoranda: | ||
| Average total assets | $89,684,800 | 5,371 |
| Average earning assets | $85,214,200 | 5,263 |
| Average equity | $30,033,600 | 2,261 |
| Average total loans | $88,031,000 | 4,288 |