Home > Home Savings Bank > Performance and Condition Ratios
Home Savings Bank, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3584% | 2,216 |
| Cost of funding earning assets | 0.5525% | 367 |
| Net interest margin | 2.8059% | 3,118 |
| Noninterest income to average assets | 0.2133% | 3,880 |
| Noninterest expense to average assets | 3.0688% | 723 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3682% | 4,681 |
| Return on assets (ROA) | -0.3682% | 4,665 |
| Pretax return on assets | -0.2447% | 4,624 |
| Return on Equity (ROE) | -3.5676% | 4,675 |
| Retained earnings to average equity (ytd only) | -3.5676% | 4,347 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6645% | 143 |
| Assets per employee ($millions) | 8.3893% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 3,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 84.3417% | 78 |
| Net loans and leases to deposits | 114.4859% | 48 |
| Net loans and leases to core deposits | 124.6291% | 119 |
| Total domestic deposits to total assets | 73.6699% | 4,581 |
| Equity capital to assets | 10.3936% | 1,633 |
| Core capital (leverage) ratio | 9.8554% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8480% | 1,549 |
| Memoranda: | ||
| Average total assets | $178,177,500 | 3,272 |
| Average earning assets | $165,793,500 | 3,270 |
| Average equity | $18,387,500 | 3,287 |
| Average total loans | $150,489,500 | 2,622 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5832% | 2,433 |
| Cost of funding earning assets | 0.6900% | 341 |
| Net interest margin | 2.8932% | 3,458 |
| Noninterest income to average assets | 0.2317% | 3,993 |
| Noninterest expense to average assets | 2.3560% | 2,636 |
| Loan and lease loss provision to assets | 0.0187% | 2,697 |
| Net operating income to assets | 0.3810% | 4,305 |
| Return on assets (ROA) | 0.3810% | 4,334 |
| Pretax return on assets | 0.5436% | 4,188 |
| Return on Equity (ROE) | 3.8234% | 4,245 |
| Retained earnings to average equity (ytd only) | 3.8234% | 3,283 |
| Net charge-offs to loans | 0.0842% | 961 |
| Credit loss provision to net charge-offs | 27.6423% | 2,245 |
| Earnings coverage of net charge-offs (x) | 8.3252% | 2,305 |
| Efficiency ratio | 80.7338% | 765 |
| Assets per employee ($millions) | 9.0090% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 3,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 82.9859% | 149 |
| Net loans and leases to deposits | 112.3556% | 70 |
| Net loans and leases to core deposits | 122.8446% | 141 |
| Total domestic deposits to total assets | 73.8600% | 4,590 |
| Equity capital to assets | 10.2475% | 2,422 |
| Core capital (leverage) ratio | 9.4837% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4042% | 1,711 |
| Memoranda: | ||
| Average total assets | $182,129,200 | 3,195 |
| Average earning assets | $169,123,600 | 3,196 |
| Average equity | $18,151,600 | 3,368 |
| Average total loans | $146,158,000 | 2,663 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 2,625 |
| Cost of funding earning assets | 0.7043% | 375 |
| Net interest margin | 2.8706% | 3,617 |
| Noninterest income to average assets | 0.2307% | 4,022 |
| Noninterest expense to average assets | 2.3247% | 2,677 |
| Loan and lease loss provision to assets | 0.0246% | 2,501 |
| Net operating income to assets | 0.4096% | 4,359 |
| Return on assets (ROA) | 0.4096% | 4,390 |
| Pretax return on assets | 0.5476% | 4,305 |
| Return on Equity (ROE) | 4.1386% | 4,279 |
| Retained earnings to average equity (ytd only) | 4.1386% | 3,531 |
| Net charge-offs to loans | 0.1131% | 678 |
| Credit loss provision to net charge-offs | 27.6423% | 1,962 |
| Earnings coverage of net charge-offs (x) | 6.3740% | 2,180 |
| Efficiency ratio | 80.2419% | 728 |
| Assets per employee ($millions) | 8.3036% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 4,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 82.2701% | 175 |
| Net loans and leases to deposits | 111.3250% | 84 |
| Net loans and leases to core deposits | 123.7860% | 151 |
| Total domestic deposits to total assets | 73.9008% | 4,643 |
| Equity capital to assets | 10.0285% | 2,873 |
| Core capital (leverage) ratio | 9.4185% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0944% | 1,938 |
| Memoranda: | ||
| Average total assets | $182,616,500 | 3,224 |
| Average earning assets | $169,625,750 | 3,220 |
| Average equity | $18,073,500 | 3,423 |
| Average total loans | $144,958,250 | 2,713 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5678% | 2,726 |
| Cost of funding earning assets | 0.7223% | 412 |
| Net interest margin | 2.8455% | 3,687 |
| Noninterest income to average assets | 0.2300% | 4,024 |
| Noninterest expense to average assets | 2.0712% | 3,482 |
| Loan and lease loss provision to assets | 0.0372% | 2,243 |
| Net operating income to assets | 0.5652% | 4,063 |
| Return on assets (ROA) | 0.5652% | 4,114 |
| Pretax return on assets | 0.7623% | 3,942 |
| Return on Equity (ROE) | 5.7361% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.7361% | 2,911 |
| Net charge-offs to loans | 0.1724% | 489 |
| Credit loss provision to net charge-offs | 27.6423% | 1,709 |
| Earnings coverage of net charge-offs (x) | 5.9350% | 1,976 |
| Efficiency ratio | 72.1480% | 1,424 |
| Assets per employee ($millions) | 7.9509% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 3,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 79.0288% | 376 |
| Net loans and leases to deposits | 107.0083% | 145 |
| Net loans and leases to core deposits | 118.7159% | 235 |
| Total domestic deposits to total assets | 73.8530% | 4,659 |
| Equity capital to assets | 9.9896% | 2,863 |
| Core capital (leverage) ratio | 9.3247% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8109% | 1,688 |
| Memoranda: | ||
| Average total assets | $182,595,333 | 3,231 |
| Average earning assets | $169,458,667 | 3,228 |
| Average equity | $17,991,333 | 3,426 |
| Average total loans | $142,703,000 | 2,755 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6026% | 2,632 |
| Cost of funding earning assets | 0.7456% | 458 |
| Net interest margin | 2.8570% | 3,621 |
| Noninterest income to average assets | 0.2236% | 4,046 |
| Noninterest expense to average assets | 2.1024% | 3,420 |
| Loan and lease loss provision to assets | 0.0745% | 1,696 |
| Net operating income to assets | 0.5152% | 4,144 |
| Return on assets (ROA) | 0.5152% | 4,180 |
| Pretax return on assets | 0.6928% | 4,034 |
| Return on Equity (ROE) | 5.2652% | 4,039 |
| Retained earnings to average equity (ytd only) | 5.2652% | 3,140 |
| Net charge-offs to loans | 0.2807% | 303 |
| Credit loss provision to net charge-offs | 34.3434% | 1,370 |
| Earnings coverage of net charge-offs (x) | 3.5354% | 1,760 |
| Efficiency ratio | 73.2620% | 1,373 |
| Assets per employee ($millions) | 7.4662% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,765 |
| Loan loss allowance to noncurrent loans | 1,756.6265% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 4,055 |
| Noncurrent loans to loans | 0.0581% | 3,995 |
| Net loans and leases to total assets | 75.7049% | 654 |
| Net loans and leases to deposits | 100.6977% | 268 |
| Net loans and leases to core deposits | 112.9038% | 344 |
| Total domestic deposits to total assets | 75.1804% | 4,617 |
| Equity capital to assets | 9.6301% | 3,066 |
| Core capital (leverage) ratio | 9.3494% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9542% | 1,581 |
| Memoranda: | ||
| Average total assets | $182,458,000 | 3,229 |
| Average earning assets | $168,989,500 | 3,225 |
| Average equity | $17,853,000 | 3,438 |
| Average total loans | $141,078,000 | 2,774 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 3,066 |
| Cost of funding earning assets | 0.9263% | 784 |
| Net interest margin | 2.9607% | 3,983 |
| Noninterest income to average assets | 0.2431% | 4,034 |
| Noninterest expense to average assets | 2.3626% | 3,235 |
| Loan and lease loss provision to assets | 0.0940% | 3,174 |
| Net operating income to assets | 1.4479% | 923 |
| Return on assets (ROA) | 1.4479% | 1,003 |
| Pretax return on assets | 0.5322% | 4,212 |
| Return on Equity (ROE) | 15.4961% | 564 |
| Retained earnings to average equity (ytd only) | 15.4961% | 139 |
| Net charge-offs to loans | -0.0007% | 3,920 |
| Credit loss provision to net charge-offs | -16,400.0000% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0483% | 958 |
| Assets per employee ($millions) | 7.1304% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,499 |
| Loan loss allowance to noncurrent loans | 355.0117% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,088 |
| Noncurrent loans to loans | 0.3078% | 3,103 |
| Net loans and leases to total assets | 77.3405% | 664 |
| Net loans and leases to deposits | 104.4122% | 254 |
| Net loans and leases to core deposits | 114.0536% | 408 |
| Total domestic deposits to total assets | 74.0723% | 4,635 |
| Equity capital to assets | 9.9467% | 3,178 |
| Core capital (leverage) ratio | 9.2131% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6309% | 1,646 |
| Memoranda: | ||
| Average total assets | $174,384,600 | 3,157 |
| Average earning assets | $161,718,000 | 3,152 |
| Average equity | $16,294,400 | 3,520 |
| Average total loans | $134,406,400 | 2,809 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 3,221 |
| Cost of funding earning assets | 0.9602% | 875 |
| Net interest margin | 2.9500% | 4,088 |
| Noninterest income to average assets | 0.2445% | 4,016 |
| Noninterest expense to average assets | 2.3680% | 3,226 |
| Loan and lease loss provision to assets | 0.1021% | 3,044 |
| Net operating income to assets | 1.7930% | 456 |
| Return on assets (ROA) | 1.7930% | 513 |
| Pretax return on assets | 0.5144% | 4,254 |
| Return on Equity (ROE) | 19.5118% | 260 |
| Retained earnings to average equity (ytd only) | 19.5118% | 85 |
| Net charge-offs to loans | -0.0010% | 3,815 |
| Credit loss provision to net charge-offs | -13,300.0000% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3405% | 914 |
| Assets per employee ($millions) | 6.8397% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,260 |
| Loan loss allowance to noncurrent loans | 313.4454% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 3,099 |
| Noncurrent loans to loans | 0.3479% | 3,041 |
| Net loans and leases to total assets | 76.1062% | 1,078 |
| Net loans and leases to deposits | 102.9710% | 418 |
| Net loans and leases to core deposits | 110.1084% | 701 |
| Total domestic deposits to total assets | 73.9104% | 4,572 |
| Equity capital to assets | 9.8576% | 3,371 |
| Core capital (leverage) ratio | 8.9438% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9116% | 1,528 |
| Memoranda: | ||
| Average total assets | $173,415,500 | 3,146 |
| Average earning assets | $161,080,500 | 3,141 |
| Average equity | $15,935,250 | 3,559 |
| Average total loans | $133,160,250 | 2,836 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 3,431 |
| Cost of funding earning assets | 1.0084% | 966 |
| Net interest margin | 2.9515% | 4,225 |
| Noninterest income to average assets | 0.2454% | 4,002 |
| Noninterest expense to average assets | 2.3706% | 3,345 |
| Loan and lease loss provision to assets | 0.0907% | 3,132 |
| Net operating income to assets | 0.5316% | 3,929 |
| Return on assets (ROA) | 0.5316% | 4,009 |
| Pretax return on assets | 0.5316% | 4,196 |
| Return on Equity (ROE) | 5.9337% | 3,533 |
| Retained earnings to average equity (ytd only) | 5.9337% | 2,111 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2072% | 942 |
| Assets per employee ($millions) | 6.7769% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,276 |
| Loan loss allowance to noncurrent loans | 265.4344% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 3,121 |
| Noncurrent loans to loans | 0.3999% | 2,971 |
| Net loans and leases to total assets | 73.1506% | 1,535 |
| Net loans and leases to deposits | 96.2665% | 774 |
| Net loans and leases to core deposits | 103.4086% | 1,041 |
| Total domestic deposits to total assets | 75.9876% | 4,431 |
| Equity capital to assets | 8.5525% | 4,446 |
| Core capital (leverage) ratio | 8.7647% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6815% | 1,576 |
| Memoranda: | ||
| Average total assets | $171,943,000 | 3,143 |
| Average earning assets | $160,053,667 | 3,131 |
| Average equity | $15,403,667 | 3,615 |
| Average total loans | $131,935,667 | 2,841 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 3,483 |
| Cost of funding earning assets | 1.1033% | 1,036 |
| Net interest margin | 3.0122% | 4,263 |
| Noninterest income to average assets | 0.2692% | 3,925 |
| Noninterest expense to average assets | 2.4684% | 3,366 |
| Loan and lease loss provision to assets | 0.0793% | 2,722 |
| Net operating income to assets | 0.5167% | 3,855 |
| Return on assets (ROA) | 0.5167% | 3,911 |
| Pretax return on assets | 0.5167% | 4,094 |
| Return on Equity (ROE) | 5.6279% | 3,446 |
| Retained earnings to average equity (ytd only) | 5.6279% | 2,023 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5490% | 1,086 |
| Assets per employee ($millions) | 5.7307% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,424 |
| Loan loss allowance to noncurrent loans | 285.0410% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 3,316 |
| Noncurrent loans to loans | 0.3699% | 3,162 |
| Net loans and leases to total assets | 75.9193% | 1,321 |
| Net loans and leases to deposits | 98.6740% | 644 |
| Net loans and leases to core deposits | 109.6160% | 865 |
| Total domestic deposits to total assets | 76.9395% | 4,360 |
| Equity capital to assets | 8.9535% | 4,630 |
| Core capital (leverage) ratio | 9.3260% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6319% | 1,708 |
| Memoranda: | ||
| Average total assets | $166,426,500 | 3,164 |
| Average earning assets | $154,439,000 | 3,152 |
| Average equity | $15,281,000 | 3,630 |
| Average total loans | $130,261,500 | 2,829 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 3,667 |
| Cost of funding earning assets | 1.0494% | 1,516 |
| Net interest margin | 3.2045% | 4,176 |
| Noninterest income to average assets | 0.3276% | 3,736 |
| Noninterest expense to average assets | 2.9205% | 2,231 |
| Loan and lease loss provision to assets | 0.0170% | 3,679 |
| Net operating income to assets | 0.3355% | 4,702 |
| Return on assets (ROA) | 0.3355% | 4,729 |
| Pretax return on assets | 0.3355% | 4,783 |
| Return on Equity (ROE) | 3.8198% | 4,514 |
| Retained earnings to average equity (ytd only) | 3.8198% | 3,069 |
| Net charge-offs to loans | 0.0057% | 3,473 |
| Credit loss provision to net charge-offs | 371.4286% | 747 |
| Earnings coverage of net charge-offs (x) | 76.8571% | 818 |
| Efficiency ratio | 89.2292% | 383 |
| Assets per employee ($millions) | 5.5493% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,186 |
| Loan loss allowance to noncurrent loans | 268.9109% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 3,034 |
| Noncurrent loans to loans | 0.3927% | 3,028 |
| Net loans and leases to total assets | 79.0724% | 922 |
| Net loans and leases to deposits | 100.8688% | 534 |
| Net loans and leases to core deposits | 112.2964% | 743 |
| Total domestic deposits to total assets | 78.3914% | 4,299 |
| Equity capital to assets | 9.4258% | 4,406 |
| Core capital (leverage) ratio | 9.5769% | 3,985 |
| Tier 1 risk-based capital ratio | 14.4517% | 3,042 |
| Total risk-based capital ratio | 15.7020% | 2,938 |
| Memoranda: | ||
| Average total assets | $152,611,800 | 3,261 |
| Average earning assets | $140,272,200 | 3,273 |
| Average equity | $13,403,800 | 3,841 |
| Average total loans | $122,393,600 | 2,918 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 3,806 |
| Cost of funding earning assets | 1.0286% | 1,636 |
| Net interest margin | 3.2228% | 4,247 |
| Noninterest income to average assets | 0.3383% | 3,706 |
| Noninterest expense to average assets | 3.0389% | 1,861 |
| Loan and lease loss provision to assets | 0.0044% | 3,783 |
| Net operating income to assets | 0.2533% | 4,901 |
| Return on assets (ROA) | 0.2533% | 4,915 |
| Pretax return on assets | 0.2533% | 4,949 |
| Return on Equity (ROE) | 2.9417% | 4,773 |
| Retained earnings to average equity (ytd only) | 2.9417% | 3,912 |
| Net charge-offs to loans | 0.0066% | 3,140 |
| Credit loss provision to net charge-offs | 83.3333% | 2,459 |
| Earnings coverage of net charge-offs (x) | 48.4988% | 1,221 |
| Efficiency ratio | 92.1816% | 268 |
| Assets per employee ($millions) | 5.7031% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 2,947 |
| Loan loss allowance to noncurrent loans | 331.1881% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 3,383 |
| Noncurrent loans to loans | 0.3369% | 3,329 |
| Net loans and leases to total assets | 77.0069% | 1,316 |
| Net loans and leases to deposits | 97.5742% | 862 |
| Net loans and leases to core deposits | 111.6269% | 862 |
| Total domestic deposits to total assets | 78.9213% | 4,199 |
| Equity capital to assets | 9.6996% | 4,291 |
| Core capital (leverage) ratio | 9.5552% | 4,109 |
| Tier 1 risk-based capital ratio | 15.4753% | 2,647 |
| Total risk-based capital ratio | 16.7263% | 2,584 |
| Memoranda: | ||
| Average total assets | $150,532,000 | 3,325 |
| Average earning assets | $138,178,750 | 3,338 |
| Average equity | $12,962,500 | 3,928 |
| Average total loans | $120,839,500 | 2,968 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 3,960 |
| Cost of funding earning assets | 0.9907% | 1,740 |
| Net interest margin | 3.1943% | 4,379 |
| Noninterest income to average assets | 0.3401% | 3,657 |
| Noninterest expense to average assets | 2.8852% | 2,320 |
| Loan and lease loss provision to assets | 0.0067% | 3,597 |
| Net operating income to assets | 0.3749% | 4,769 |
| Return on assets (ROA) | 0.3749% | 4,790 |
| Pretax return on assets | 0.3749% | 4,858 |
| Return on Equity (ROE) | 4.5511% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.5511% | 2,998 |
| Net charge-offs to loans | 0.0066% | 2,916 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 71.2500% | 883 |
| Efficiency ratio | 88.3197% | 428 |
| Assets per employee ($millions) | 5.3107% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 2,984 |
| Loan loss allowance to noncurrent loans | 328.4314% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 3,376 |
| Noncurrent loans to loans | 0.3402% | 3,323 |
| Net loans and leases to total assets | 76.9989% | 1,390 |
| Net loans and leases to deposits | 100.1081% | 675 |
| Net loans and leases to core deposits | 115.5899% | 699 |
| Total domestic deposits to total assets | 76.9158% | 4,571 |
| Equity capital to assets | 9.6890% | 4,241 |
| Core capital (leverage) ratio | 9.9628% | 3,619 |
| Tier 1 risk-based capital ratio | 15.5718% | 2,597 |
| Total risk-based capital ratio | 16.8234% | 2,524 |
| Memoranda: | ||
| Average total assets | $149,381,000 | 3,360 |
| Average earning assets | $136,867,000 | 3,381 |
| Average equity | $12,304,670 | 4,005 |
| Average total loans | $121,147,000 | 2,975 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 3,843 |
| Cost of funding earning assets | 0.9543% | 1,773 |
| Net interest margin | 3.2505% | 4,277 |
| Noninterest income to average assets | 0.3427% | 3,577 |
| Noninterest expense to average assets | 2.9157% | 2,234 |
| Loan and lease loss provision to assets | 0.0136% | 3,261 |
| Net operating income to assets | 0.3781% | 4,772 |
| Return on assets (ROA) | 0.3781% | 4,782 |
| Pretax return on assets | 0.3781% | 4,866 |
| Return on Equity (ROE) | 5.0564% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.0564% | 2,883 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1579% | 474 |
| Assets per employee ($millions) | 5.2027% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 3,076 |
| Loan loss allowance to noncurrent loans | 1,101.6393% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 4,398 |
| Noncurrent loans to loans | 0.1007% | 4,288 |
| Net loans and leases to total assets | 79.4395% | 915 |
| Net loans and leases to deposits | 100.0367% | 634 |
| Net loans and leases to core deposits | 114.0595% | 740 |
| Total domestic deposits to total assets | 79.4104% | 4,270 |
| Equity capital to assets | 7.3378% | 5,281 |
| Core capital (leverage) ratio | 7.6269% | 5,271 |
| Tier 1 risk-based capital ratio | 12.3633% | 4,256 |
| Total risk-based capital ratio | 13.6156% | 4,124 |
| Memoranda: | ||
| Average total assets | $147,066,500 | 3,424 |
| Average earning assets | $134,131,500 | 3,451 |
| Average equity | $10,996,000 | 4,189 |
| Average total loans | $121,757,500 | 3,000 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 3,683 |
| Cost of funding earning assets | 0.7197% | 1,958 |
| Net interest margin | 3.3996% | 4,003 |
| Noninterest income to average assets | 0.4843% | 2,919 |
| Noninterest expense to average assets | 3.5475% | 935 |
| Loan and lease loss provision to assets | -0.0659% | 5,223 |
| Net operating income to assets | 0.0790% | 5,196 |
| Return on assets (ROA) | 0.0790% | 5,187 |
| Pretax return on assets | 0.0790% | 5,188 |
| Return on Equity (ROE) | 1.0669% | 5,156 |
| Retained earnings to average equity (ytd only) | 1.0669% | 4,690 |
| Net charge-offs to loans | 0.0216% | 2,992 |
| Credit loss provision to net charge-offs | -355.5556% | 4,574 |
| Earnings coverage of net charge-offs (x) | 0.7037% | 3,678 |
| Efficiency ratio | 99.6334% | 146 |
| Assets per employee ($millions) | 5.1163% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,132 |
| Loan loss allowance to noncurrent loans | 4,319.3548% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 4,769 |
| Noncurrent loans to loans | 0.0253% | 4,664 |
| Net loans and leases to total assets | 84.4474% | 376 |
| Net loans and leases to deposits | 105.8611% | 376 |
| Net loans and leases to core deposits | 119.7166% | 554 |
| Total domestic deposits to total assets | 79.7719% | 4,155 |
| Equity capital to assets | 7.6234% | 5,262 |
| Core capital (leverage) ratio | 7.6315% | 5,305 |
| Tier 1 risk-based capital ratio | 12.0795% | 4,376 |
| Total risk-based capital ratio | 13.3318% | 4,263 |
| Memoranda: | ||
| Average total assets | $145,569,000 | 3,435 |
| Average earning assets | $131,720,200 | 3,470 |
| Average equity | $10,779,000 | 4,194 |
| Average total loans | $124,811,800 | 2,943 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 3,759 |
| Cost of funding earning assets | 0.6868% | 1,932 |
| Net interest margin | 3.3723% | 4,093 |
| Noninterest income to average assets | 0.4717% | 3,035 |
| Noninterest expense to average assets | 3.6209% | 828 |
| Loan and lease loss provision to assets | -0.0876% | 5,338 |
| Net operating income to assets | -0.0109% | 5,303 |
| Return on assets (ROA) | -0.0109% | 5,298 |
| Pretax return on assets | -0.0109% | 5,298 |
| Return on Equity (ROE) | -0.1489% | 5,300 |
| Retained earnings to average equity (ytd only) | -0.1489% | 5,055 |
| Net charge-offs to loans | 0.0117% | 2,997 |
| Credit loss provision to net charge-offs | -872.7273% | 4,606 |
| Earnings coverage of net charge-offs (x) | -9.8160% | 3,468 |
| Efficiency ratio | 102.7972% | 120 |
| Assets per employee ($millions) | 4.1467% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,175 |
| Loan loss allowance to noncurrent loans | 511.6981% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 4,026 |
| Noncurrent loans to loans | 0.2156% | 3,935 |
| Net loans and leases to total assets | 83.7736% | 479 |
| Net loans and leases to deposits | 102.9588% | 605 |
| Net loans and leases to core deposits | 117.3160% | 658 |
| Total domestic deposits to total assets | 81.3662% | 3,772 |
| Equity capital to assets | 7.4276% | 5,322 |
| Core capital (leverage) ratio | 7.4507% | 5,397 |
| Tier 1 risk-based capital ratio | 11.9838% | 4,515 |
| Total risk-based capital ratio | 13.2366% | 4,395 |
| Memoranda: | ||
| Average total assets | $146,147,250 | 3,469 |
| Average earning assets | $132,211,000 | 3,499 |
| Average equity | $10,743,500 | 4,236 |
| Average total loans | $125,436,000 | 2,962 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,660 |
| Cost of funding earning assets | 0.6567% | 1,889 |
| Net interest margin | 3.3805% | 4,016 |
| Noninterest income to average assets | 0.5065% | 2,824 |
| Noninterest expense to average assets | 3.6482% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0915% | 5,375 |
| Return on assets (ROA) | -0.0915% | 5,369 |
| Pretax return on assets | -0.0915% | 5,368 |
| Return on Equity (ROE) | -1.2487% | 5,385 |
| Retained earnings to average equity (ytd only) | -1.2487% | 5,096 |
| Net charge-offs to loans | 0.0143% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -7.4444% | 3,179 |
| Efficiency ratio | 102.5720% | 145 |
| Assets per employee ($millions) | 4.0973% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,885 |
| Loan loss allowance to noncurrent loans | 540.1487% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 4,043 |
| Noncurrent loans to loans | 0.2164% | 3,943 |
| Net loans and leases to total assets | 85.6547% | 290 |
| Net loans and leases to deposits | 106.3019% | 423 |
| Net loans and leases to core deposits | 116.1112% | 711 |
| Total domestic deposits to total assets | 80.5768% | 4,106 |
| Equity capital to assets | 7.4732% | 5,380 |
| Core capital (leverage) ratio | 7.4542% | 5,446 |
| Tier 1 risk-based capital ratio | 11.6211% | 4,731 |
| Total risk-based capital ratio | 12.8746% | 4,605 |
| Memoranda: | ||
| Average total assets | $146,485,000 | 3,484 |
| Average earning assets | $132,170,330 | 3,526 |
| Average equity | $10,731,330 | 4,272 |
| Average total loans | $126,268,000 | 2,963 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,608 |
| Cost of funding earning assets | 0.6596% | 1,662 |
| Net interest margin | 3.3399% | 4,077 |
| Noninterest income to average assets | 0.4945% | 2,836 |
| Noninterest expense to average assets | 3.6589% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.1540% | 5,438 |
| Return on assets (ROA) | -0.1540% | 5,433 |
| Pretax return on assets | -0.1540% | 5,430 |
| Return on Equity (ROE) | -2.1232% | 5,453 |
| Retained earnings to average equity (ytd only) | -2.1232% | 5,020 |
| Net charge-offs to loans | 0.0283% | 1,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -6.3333% | 2,693 |
| Efficiency ratio | 104.3948% | 139 |
| Assets per employee ($millions) | 3.9919% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 3,034 |
| Loan loss allowance to noncurrent loans | 4,687.0968% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,006 |
| Noncurrent loans to loans | 0.0248% | 4,869 |
| Net loans and leases to total assets | 86.0557% | 256 |
| Net loans and leases to deposits | 104.4273% | 455 |
| Net loans and leases to core deposits | 117.8172% | 662 |
| Total domestic deposits to total assets | 82.4073% | 3,837 |
| Equity capital to assets | 7.4561% | 5,428 |
| Core capital (leverage) ratio | 7.2727% | 5,528 |
| Tier 1 risk-based capital ratio | 11.6520% | 4,770 |
| Total risk-based capital ratio | 12.9057% | 4,662 |
| Memoranda: | ||
| Average total assets | $148,024,500 | 3,490 |
| Average earning assets | $133,417,500 | 3,542 |
| Average equity | $10,738,500 | 4,316 |
| Average total loans | $127,258,500 | 2,972 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 3,380 |
| Cost of funding earning assets | 0.5778% | 1,762 |
| Net interest margin | 3.4296% | 3,756 |
| Noninterest income to average assets | 0.3973% | 3,652 |
| Noninterest expense to average assets | 3.5890% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0757% | 5,403 |
| Return on assets (ROA) | -0.0757% | 5,407 |
| Pretax return on assets | -0.0757% | 5,463 |
| Return on Equity (ROE) | -1.0280% | 5,430 |
| Retained earnings to average equity (ytd only) | -1.0280% | 5,190 |
| Net charge-offs to loans | 0.0307% | 3,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -2.8718% | 4,059 |
| Efficiency ratio | 102.1538% | 150 |
| Assets per employee ($millions) | 4.2317% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 3,189 |
| Loan loss allowance to noncurrent loans | 641.2281% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 4,391 |
| Noncurrent loans to loans | 0.1762% | 4,213 |
| Net loans and leases to total assets | 83.9782% | 447 |
| Net loans and leases to deposits | 106.6739% | 372 |
| Net loans and leases to core deposits | 120.6947% | 565 |
| Total domestic deposits to total assets | 78.7242% | 4,601 |
| Equity capital to assets | 7.0644% | 5,582 |
| Core capital (leverage) ratio | 7.0949% | 5,593 |
| Tier 1 risk-based capital ratio | 9.3173% | 5,617 |
| Total risk-based capital ratio | 10.5670% | 5,606 |
| Memoranda: | ||
| Average total assets | $148,009,000 | 3,491 |
| Average earning assets | $134,476,600 | 3,537 |
| Average equity | $10,894,800 | 4,320 |
| Average total loans | $127,096,600 | 2,961 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 3,521 |
| Cost of funding earning assets | 0.5645% | 1,780 |
| Net interest margin | 3.3850% | 3,901 |
| Noninterest income to average assets | 0.3240% | 4,222 |
| Noninterest expense to average assets | 3.4974% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0771% | 5,541 |
| Return on assets (ROA) | -0.0771% | 5,546 |
| Pretax return on assets | -0.0771% | 5,536 |
| Return on Equity (ROE) | -1.0371% | 5,561 |
| Retained earnings to average equity (ytd only) | -1.0371% | 5,357 |
| Net charge-offs to loans | 0.0400% | 2,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -2.2366% | 3,738 |
| Efficiency ratio | 102.2552% | 153 |
| Assets per employee ($millions) | 4.2624% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 3,293 |
| Loan loss allowance to noncurrent loans | 420.4023% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 4,124 |
| Noncurrent loans to loans | 0.2695% | 3,993 |
| Net loans and leases to total assets | 85.5883% | 285 |
| Net loans and leases to deposits | 105.5362% | 437 |
| Net loans and leases to core deposits | 119.8674% | 591 |
| Total domestic deposits to total assets | 81.0985% | 4,020 |
| Equity capital to assets | 7.2266% | 5,643 |
| Core capital (leverage) ratio | 7.2936% | 5,641 |
| Tier 1 risk-based capital ratio | 10.6749% | 5,381 |
| Total risk-based capital ratio | 11.9272% | 5,312 |
| Memoranda: | ||
| Average total assets | $146,925,750 | 3,538 |
| Average earning assets | $134,393,000 | 3,570 |
| Average equity | $10,928,000 | 4,352 |
| Average total loans | $126,521,750 | 2,991 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 3,583 |
| Cost of funding earning assets | 0.5504% | 1,774 |
| Net interest margin | 3.3400% | 3,983 |
| Noninterest income to average assets | 0.4611% | 3,278 |
| Noninterest expense to average assets | 3.5725% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0561% | 5,573 |
| Return on assets (ROA) | -0.0561% | 5,575 |
| Pretax return on assets | -0.0561% | 5,569 |
| Return on Equity (ROE) | -0.7470% | 5,581 |
| Retained earnings to average equity (ytd only) | -0.7470% | 5,196 |
| Net charge-offs to loans | 0.0891% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.7321% | 3,429 |
| Efficiency ratio | 101.5953% | 170 |
| Assets per employee ($millions) | 4.0051% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 3,424 |
| Loan loss allowance to noncurrent loans | 1,829.1139% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 5,009 |
| Noncurrent loans to loans | 0.0617% | 4,876 |
| Net loans and leases to total assets | 85.3922% | 316 |
| Net loans and leases to deposits | 104.2416% | 482 |
| Net loans and leases to core deposits | 118.7231% | 608 |
| Total domestic deposits to total assets | 81.9176% | 3,908 |
| Equity capital to assets | 7.2982% | 5,682 |
| Core capital (leverage) ratio | 7.4025% | 5,669 |
| Tier 1 risk-based capital ratio | 10.6957% | 5,379 |
| Total risk-based capital ratio | 11.9494% | 5,315 |
| Memoranda: | ||
| Average total assets | $146,173,000 | 3,567 |
| Average earning assets | $133,712,000 | 3,597 |
| Average equity | $10,977,000 | 4,363 |
| Average total loans | $125,646,670 | 3,009 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 3,447 |
| Cost of funding earning assets | 0.5481% | 1,728 |
| Net interest margin | 3.3369% | 3,895 |
| Noninterest income to average assets | 0.2287% | 4,904 |
| Noninterest expense to average assets | 3.5683% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2866% | 5,696 |
| Return on assets (ROA) | -0.2866% | 5,696 |
| Pretax return on assets | -0.2866% | 5,685 |
| Return on Equity (ROE) | -3.7620% | 5,722 |
| Retained earnings to average equity (ytd only) | -3.7620% | 5,314 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7322% | 140 |
| Assets per employee ($millions) | 3.9529% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 3,121 |
| Loan loss allowance to noncurrent loans | 898.8024% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 4,810 |
| Noncurrent loans to loans | 0.1338% | 4,655 |
| Net loans and leases to total assets | 84.3043% | 334 |
| Net loans and leases to deposits | 100.8267% | 560 |
| Net loans and leases to core deposits | 115.1829% | 624 |
| Total domestic deposits to total assets | 83.6131% | 3,620 |
| Equity capital to assets | 7.3473% | 5,712 |
| Core capital (leverage) ratio | 7.4659% | 5,712 |
| Tier 1 risk-based capital ratio | 10.9215% | 5,349 |
| Total risk-based capital ratio | 12.1766% | 5,268 |
| Memoranda: | ||
| Average total assets | $145,165,500 | 3,613 |
| Average earning assets | $132,817,000 | 3,642 |
| Average equity | $11,058,000 | 4,379 |
| Average total loans | $124,477,000 | 3,045 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 3,616 |
| Cost of funding earning assets | 0.5446% | 1,752 |
| Net interest margin | 3.3430% | 4,019 |
| Noninterest income to average assets | 0.5335% | 3,011 |
| Noninterest expense to average assets | 3.4922% | 1,176 |
| Loan and lease loss provision to assets | 0.0143% | 4,093 |
| Net operating income to assets | 0.0688% | 5,594 |
| Return on assets (ROA) | 0.1111% | 5,580 |
| Pretax return on assets | 0.1111% | 5,585 |
| Return on Equity (ROE) | 1.3727% | 5,507 |
| Retained earnings to average equity (ytd only) | 1.3727% | 4,722 |
| Net charge-offs to loans | 0.0008% | 4,258 |
| Credit loss provision to net charge-offs | 2,000.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 525 |
| Efficiency ratio | 97.6735% | 258 |
| Assets per employee ($millions) | 4.0021% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 3,069 |
| Loan loss allowance to noncurrent loans | 405.6757% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 4,275 |
| Noncurrent loans to loans | 0.2980% | 4,079 |
| Net loans and leases to total assets | 85.1306% | 293 |
| Net loans and leases to deposits | 106.0866% | 340 |
| Net loans and leases to core deposits | 119.2117% | 507 |
| Total domestic deposits to total assets | 80.2463% | 4,519 |
| Equity capital to assets | 7.8918% | 5,609 |
| Core capital (leverage) ratio | 8.0583% | 5,588 |
| Tier 1 risk-based capital ratio | 11.9512% | 4,765 |
| Total risk-based capital ratio | 13.2072% | 4,644 |
| Memoranda: | ||
| Average total assets | $139,453,600 | 3,683 |
| Average earning assets | $126,892,600 | 3,706 |
| Average equity | $11,291,400 | 4,378 |
| Average total loans | $118,139,000 | 3,097 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 3,692 |
| Cost of funding earning assets | 0.5432% | 1,766 |
| Net interest margin | 3.3282% | 4,100 |
| Noninterest income to average assets | 0.6122% | 2,603 |
| Noninterest expense to average assets | 3.5150% | 1,125 |
| Loan and lease loss provision to assets | 0.0193% | 3,860 |
| Net operating income to assets | 0.1022% | 5,622 |
| Return on assets (ROA) | 0.1436% | 5,622 |
| Pretax return on assets | 0.1436% | 5,633 |
| Return on Equity (ROE) | 1.7625% | 5,515 |
| Retained earnings to average equity (ytd only) | 1.7625% | 4,800 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6596% | 296 |
| Assets per employee ($millions) | 3.9028% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,940 |
| Loan loss allowance to noncurrent loans | 465.0155% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 4,527 |
| Noncurrent loans to loans | 0.2694% | 4,297 |
| Net loans and leases to total assets | 84.2657% | 391 |
| Net loans and leases to deposits | 103.5827% | 478 |
| Net loans and leases to core deposits | 115.5569% | 672 |
| Total domestic deposits to total assets | 81.3512% | 4,151 |
| Equity capital to assets | 8.0853% | 5,711 |
| Core capital (leverage) ratio | 8.1594% | 5,600 |
| Tier 1 risk-based capital ratio | 11.5754% | 5,042 |
| Total risk-based capital ratio | 12.8291% | 4,953 |
| Memoranda: | ||
| Average total assets | $138,298,500 | 3,724 |
| Average earning assets | $125,670,500 | 3,741 |
| Average equity | $11,271,750 | 4,419 |
| Average total loans | $116,635,750 | 3,127 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 3,680 |
| Cost of funding earning assets | 0.5377% | 1,795 |
| Net interest margin | 3.3365% | 4,100 |
| Noninterest income to average assets | 0.5481% | 2,908 |
| Noninterest expense to average assets | 3.5111% | 1,149 |
| Loan and lease loss provision to assets | 0.0145% | 3,817 |
| Net operating income to assets | 0.0538% | 5,717 |
| Return on assets (ROA) | 0.1163% | 5,697 |
| Pretax return on assets | 0.1163% | 5,707 |
| Return on Equity (ROE) | 1.4232% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.4232% | 4,810 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0910% | 281 |
| Assets per employee ($millions) | 3.8383% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 2,902 |
| Loan loss allowance to noncurrent loans | 632.2034% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 4,819 |
| Noncurrent loans to loans | 0.2024% | 4,633 |
| Net loans and leases to total assets | 83.2914% | 482 |
| Net loans and leases to deposits | 102.3950% | 542 |
| Net loans and leases to core deposits | 112.1274% | 807 |
| Total domestic deposits to total assets | 81.3432% | 4,172 |
| Equity capital to assets | 8.1654% | 5,745 |
| Core capital (leverage) ratio | 8.2682% | 5,558 |
| Tier 1 risk-based capital ratio | 11.2051% | 5,312 |
| Total risk-based capital ratio | 12.4577% | 5,225 |
| Memoranda: | ||
| Average total assets | $137,564,000 | 3,761 |
| Average earning assets | $124,982,670 | 3,777 |
| Average equity | $11,242,330 | 4,442 |
| Average total loans | $115,548,670 | 3,150 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 3,318 |
| Cost of funding earning assets | 0.5406% | 1,788 |
| Net interest margin | 3.4332% | 3,748 |
| Noninterest income to average assets | 0.4779% | 3,281 |
| Noninterest expense to average assets | 3.5233% | 1,145 |
| Loan and lease loss provision to assets | 0.0146% | 3,502 |
| Net operating income to assets | 0.0495% | 5,742 |
| Return on assets (ROA) | 0.1690% | 5,644 |
| Pretax return on assets | 0.1690% | 5,671 |
| Return on Equity (ROE) | 2.0674% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.0674% | 4,429 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2128% | 337 |
| Assets per employee ($millions) | 3.8618% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,936 |
| Loan loss allowance to noncurrent loans | 523.5915% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 4,714 |
| Noncurrent loans to loans | 0.2472% | 4,544 |
| Net loans and leases to total assets | 83.9062% | 381 |
| Net loans and leases to deposits | 101.9324% | 512 |
| Net loans and leases to core deposits | 112.0275% | 748 |
| Total domestic deposits to total assets | 82.3156% | 4,113 |
| Equity capital to assets | 8.3299% | 5,678 |
| Core capital (leverage) ratio | 8.2248% | 5,632 |
| Tier 1 risk-based capital ratio | 11.6633% | 5,125 |
| Total risk-based capital ratio | 12.9174% | 5,037 |
| Memoranda: | ||
| Average total assets | $137,256,000 | 3,792 |
| Average earning assets | $124,317,000 | 3,822 |
| Average equity | $11,222,000 | 4,468 |
| Average total loans | $115,031,000 | 3,161 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 3,849 |
| Cost of funding earning assets | 0.4860% | 2,304 |
| Net interest margin | 3.3732% | 4,020 |
| Noninterest income to average assets | 0.2854% | 4,847 |
| Noninterest expense to average assets | 3.6044% | 1,118 |
| Loan and lease loss provision to assets | 0.0614% | 3,076 |
| Net operating income to assets | -0.3506% | 6,007 |
| Return on assets (ROA) | -0.3491% | 6,010 |
| Pretax return on assets | -0.3491% | 5,999 |
| Return on Equity (ROE) | -4.0052% | 6,031 |
| Retained earnings to average equity (ytd only) | -4.0052% | 5,875 |
| Net charge-offs to loans | 0.0260% | 3,710 |
| Credit loss provision to net charge-offs | 296.2963% | 999 |
| Earnings coverage of net charge-offs (x) | -13.9630% | 4,433 |
| Efficiency ratio | 108.7248% | 150 |
| Assets per employee ($millions) | 3.7662% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,980 |
| Loan loss allowance to noncurrent loans | 744.7236% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 5,020 |
| Noncurrent loans to loans | 0.1728% | 4,794 |
| Net loans and leases to total assets | 81.5814% | 632 |
| Net loans and leases to deposits | 100.1851% | 663 |
| Net loans and leases to core deposits | 108.8428% | 928 |
| Total domestic deposits to total assets | 81.4307% | 4,360 |
| Equity capital to assets | 8.0267% | 5,842 |
| Core capital (leverage) ratio | 8.1695% | 5,718 |
| Tier 1 risk-based capital ratio | 11.8955% | 5,018 |
| Total risk-based capital ratio | 13.1494% | 4,923 |
| Memoranda: | ||
| Average total assets | $130,340,800 | 3,882 |
| Average earning assets | $117,069,600 | 3,947 |
| Average equity | $11,360,200 | 4,414 |
| Average total loans | $104,007,800 | 3,315 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 3,909 |
| Cost of funding earning assets | 0.4695% | 2,505 |
| Net interest margin | 3.3874% | 4,010 |
| Noninterest income to average assets | 0.2353% | 5,246 |
| Noninterest expense to average assets | 3.7244% | 940 |
| Loan and lease loss provision to assets | 0.0781% | 2,619 |
| Net operating income to assets | -0.5257% | 6,142 |
| Return on assets (ROA) | -0.5236% | 6,146 |
| Pretax return on assets | -0.5236% | 6,141 |
| Return on Equity (ROE) | -5.8808% | 6,148 |
| Retained earnings to average equity (ytd only) | -5.8808% | 6,055 |
| Net charge-offs to loans | 0.0356% | 3,201 |
| Credit loss provision to net charge-offs | 277.7778% | 1,035 |
| Earnings coverage of net charge-offs (x) | -15.9256% | 4,150 |
| Efficiency ratio | 113.6595% | 126 |
| Assets per employee ($millions) | 3.7091% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 2,965 |
| Loan loss allowance to noncurrent loans | 890.3614% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 4,487 |
| Noncurrent loans to loans | 0.1489% | 5,046 |
| Net loans and leases to total assets | 82.3884% | 535 |
| Net loans and leases to deposits | 102.5361% | 518 |
| Net loans and leases to core deposits | 111.9433% | 768 |
| Total domestic deposits to total assets | 80.3506% | 4,654 |
| Equity capital to assets | 8.3602% | 5,793 |
| Core capital (leverage) ratio | 8.3145% | 5,707 |
| Tier 1 risk-based capital ratio | 12.2458% | 4,930 |
| Total risk-based capital ratio | 13.5006% | 4,821 |
| Memoranda: | ||
| Average total assets | $128,089,000 | 3,969 |
| Average earning assets | $115,012,500 | 4,023 |
| Average equity | $11,404,000 | 4,458 |
| Average total loans | $101,218,750 | 3,400 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,030 |
| Cost of funding earning assets | 0.4533% | 2,688 |
| Net interest margin | 3.3551% | 4,079 |
| Noninterest income to average assets | 0.1520% | 5,801 |
| Noninterest expense to average assets | 3.6982% | 987 |
| Loan and lease loss provision to assets | 0.0950% | 2,226 |
| Net operating income to assets | -0.6399% | 6,213 |
| Return on assets (ROA) | -0.6383% | 6,221 |
| Pretax return on assets | -0.6383% | 6,207 |
| Return on Equity (ROE) | -7.0183% | 6,224 |
| Retained earnings to average equity (ytd only) | -7.0183% | 6,092 |
| Net charge-offs to loans | 0.0552% | 2,620 |
| Credit loss provision to net charge-offs | 222.2222% | 1,130 |
| Earnings coverage of net charge-offs (x) | -12.7407% | 3,850 |
| Efficiency ratio | 117.2777% | 118 |
| Assets per employee ($millions) | 3.3853% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 2,619 |
| Loan loss allowance to noncurrent loans | 319.9125% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 3,671 |
| Noncurrent loans to loans | 0.4466% | 4,133 |
| Net loans and leases to total assets | 78.4173% | 1,012 |
| Net loans and leases to deposits | 94.6428% | 1,087 |
| Net loans and leases to core deposits | 101.6127% | 1,355 |
| Total domestic deposits to total assets | 82.8560% | 4,002 |
| Equity capital to assets | 8.7516% | 5,484 |
| Core capital (leverage) ratio | 8.7108% | 5,306 |
| Tier 1 risk-based capital ratio | 13.4444% | 4,249 |
| Total risk-based capital ratio | 14.7003% | 4,178 |
| Memoranda: | ||
| Average total assets | $126,276,670 | 4,036 |
| Average earning assets | $112,961,330 | 4,094 |
| Average equity | $11,484,330 | 4,473 |
| Average total loans | $97,795,670 | 3,475 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 4,141 |
| Cost of funding earning assets | 0.4409% | 2,871 |
| Net interest margin | 3.3262% | 4,107 |
| Noninterest income to average assets | 0.5148% | 3,187 |
| Noninterest expense to average assets | 3.7252% | 972 |
| Loan and lease loss provision to assets | 0.0959% | 2,089 |
| Net operating income to assets | -0.3389% | 6,201 |
| Return on assets (ROA) | -0.3357% | 6,213 |
| Pretax return on assets | -0.3357% | 6,199 |
| Return on Equity (ROE) | -3.6215% | 6,231 |
| Retained earnings to average equity (ytd only) | -3.6215% | 5,837 |
| Net charge-offs to loans | 0.0335% | 2,532 |
| Credit loss provision to net charge-offs | 375.0000% | 694 |
| Earnings coverage of net charge-offs (x) | -9.5000% | 3,243 |
| Efficiency ratio | 106.9789% | 227 |
| Assets per employee ($millions) | 3.2517% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 2,477 |
| Loan loss allowance to noncurrent loans | 221.1890% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.0022% | 2,625 |
| Noncurrent loans to loans | 0.6745% | 3,599 |
| Net loans and leases to total assets | 75.5514% | 1,276 |
| Net loans and leases to deposits | 91.8769% | 1,200 |
| Net loans and leases to core deposits | 95.7345% | 1,634 |
| Total domestic deposits to total assets | 82.2311% | 4,444 |
| Equity capital to assets | 9.1163% | 5,175 |
| Core capital (leverage) ratio | 9.1964% | 4,721 |
| Tier 1 risk-based capital ratio | 14.6339% | 3,638 |
| Total risk-based capital ratio | 15.8911% | 3,555 |
| Memoranda: | ||
| Average total assets | $125,095,000 | 4,082 |
| Average earning assets | $111,598,500 | 4,151 |
| Average equity | $11,597,500 | 4,489 |
| Average total loans | $95,524,500 | 3,531 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,610 |
| Cost of funding earning assets | 0.4667% | 3,009 |
| Net interest margin | 3.2964% | 4,577 |
| Noninterest income to average assets | 0.3533% | 4,579 |
| Noninterest expense to average assets | 3.9859% | 763 |
| Loan and lease loss provision to assets | 0.2770% | 773 |
| Net operating income to assets | -1.0044% | 6,381 |
| Return on assets (ROA) | -0.9820% | 6,379 |
| Pretax return on assets | -0.9820% | 6,371 |
| Return on Equity (ROE) | -11.9923% | 6,384 |
| Retained earnings to average equity (ytd only) | -11.9923% | 6,346 |
| Net charge-offs to loans | 0.1109% | 2,929 |
| Credit loss provision to net charge-offs | 351.5789% | 750 |
| Earnings coverage of net charge-offs (x) | -9.2316% | 4,911 |
| Efficiency ratio | 122.3212% | 116 |
| Assets per employee ($millions) | 3.1634% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 2,371 |
| Loan loss allowance to noncurrent loans | 168.3157% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 1.2677% | 2,225 |
| Noncurrent loans to loans | 0.9053% | 3,054 |
| Net loans and leases to total assets | 74.8600% | 1,441 |
| Net loans and leases to deposits | 91.3061% | 1,363 |
| Net loans and leases to core deposits | 93.0859% | 1,985 |
| Total domestic deposits to total assets | 81.9880% | 4,426 |
| Equity capital to assets | 9.4299% | 4,808 |
| Core capital (leverage) ratio | 9.6135% | 4,077 |
| Tier 1 risk-based capital ratio | 13.3755% | 4,480 |
| Total risk-based capital ratio | 14.6300% | 4,419 |
| Memoranda: | ||
| Average total assets | $120,575,000 | 4,167 |
| Average earning assets | $106,268,600 | 4,260 |
| Average equity | $9,873,000 | 4,779 |
| Average total loans | $85,683,000 | 3,722 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 4,628 |
| Cost of funding earning assets | 0.4753% | 3,001 |
| Net interest margin | 3.3028% | 4,596 |
| Noninterest income to average assets | 0.3459% | 4,673 |
| Noninterest expense to average assets | 4.0474% | 721 |
| Loan and lease loss provision to assets | 0.3392% | 531 |
| Net operating income to assets | -1.1345% | 6,475 |
| Return on assets (ROA) | -1.1122% | 6,472 |
| Pretax return on assets | -1.1122% | 6,462 |
| Return on Equity (ROE) | -14.1348% | 6,486 |
| Retained earnings to average equity (ytd only) | -14.1348% | 6,437 |
| Net charge-offs to loans | 0.1466% | 2,329 |
| Credit loss provision to net charge-offs | 331.5217% | 845 |
| Earnings coverage of net charge-offs (x) | -7.7720% | 4,624 |
| Efficiency ratio | 124.4528% | 112 |
| Assets per employee ($millions) | 2.9130% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 2,228 |
| Loan loss allowance to noncurrent loans | 178.9541% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 2,373 |
| Noncurrent loans to loans | 0.9066% | 3,292 |
| Net loans and leases to total assets | 71.2347% | 1,985 |
| Net loans and leases to deposits | 85.8012% | 1,929 |
| Net loans and leases to core deposits | 87.7761% | 2,457 |
| Total domestic deposits to total assets | 83.0230% | 4,142 |
| Equity capital to assets | 9.8734% | 4,328 |
| Core capital (leverage) ratio | 9.7235% | 4,041 |
| Tier 1 risk-based capital ratio | 14.4942% | 3,888 |
| Total risk-based capital ratio | 15.7495% | 3,826 |
| Memoranda: | ||
| Average total assets | $119,875,500 | 4,221 |
| Average earning assets | $105,482,500 | 4,317 |
| Average equity | $9,432,750 | 4,912 |
| Average total loans | $83,657,250 | 3,804 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 4,679 |
| Cost of funding earning assets | 0.4808% | 3,017 |
| Net interest margin | 3.2726% | 4,693 |
| Noninterest income to average assets | 0.3716% | 4,462 |
| Noninterest expense to average assets | 4.0775% | 698 |
| Loan and lease loss provision to assets | 0.2500% | 878 |
| Net operating income to assets | -1.0865% | 6,538 |
| Return on assets (ROA) | -1.0681% | 6,535 |
| Pretax return on assets | -1.0681% | 6,518 |
| Return on Equity (ROE) | -14.8271% | 6,549 |
| Retained earnings to average equity (ytd only) | -14.8271% | 6,491 |
| Net charge-offs to loans | 0.2224% | 1,702 |
| Credit loss provision to net charge-offs | 163.0435% | 1,381 |
| Earnings coverage of net charge-offs (x) | -5.4565% | 4,292 |
| Efficiency ratio | 125.8098% | 117 |
| Assets per employee ($millions) | 3.1690% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 2,943 |
| Loan loss allowance to noncurrent loans | 121.0475% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.5422% | 2,113 |
| Noncurrent loans to loans | 1.2322% | 2,766 |
| Net loans and leases to total assets | 66.6917% | 2,641 |
| Net loans and leases to deposits | 79.3242% | 2,608 |
| Net loans and leases to core deposits | 81.3431% | 3,057 |
| Total domestic deposits to total assets | 84.0749% | 3,898 |
| Equity capital to assets | 9.8616% | 4,280 |
| Core capital (leverage) ratio | 9.8941% | 3,754 |
| Tier 1 risk-based capital ratio | 15.3005% | 3,469 |
| Total risk-based capital ratio | 16.5550% | 3,416 |
| Memoranda: | ||
| Average total assets | $120,023,330 | 4,239 |
| Average earning assets | $105,236,670 | 4,343 |
| Average equity | $8,646,330 | 5,122 |
| Average total loans | $82,716,330 | 3,837 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6628% | 4,967 |
| Cost of funding earning assets | 0.4961% | 2,947 |
| Net interest margin | 3.1666% | 5,024 |
| Noninterest income to average assets | 0.4804% | 3,561 |
| Noninterest expense to average assets | 4.1712% | 624 |
| Loan and lease loss provision to assets | 0.3924% | 431 |
| Net operating income to assets | -1.3194% | 6,620 |
| Return on assets (ROA) | -1.3194% | 6,615 |
| Pretax return on assets | -1.3194% | 6,600 |
| Return on Equity (ROE) | -22.6893% | 6,641 |
| Retained earnings to average equity (ytd only) | -22.6893% | 6,562 |
| Net charge-offs to loans | 0.4378% | 831 |
| Credit loss provision to net charge-offs | 128.8889% | 1,394 |
| Earnings coverage of net charge-offs (x) | -3.0444% | 3,557 |
| Efficiency ratio | 128.5714% | 126 |
| Assets per employee ($millions) | 3.0454% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 3,251 |
| Loan loss allowance to noncurrent loans | 99.5905% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.8233% | 1,916 |
| Noncurrent loans to loans | 1.4835% | 2,564 |
| Net loans and leases to total assets | 66.5687% | 2,473 |
| Net loans and leases to deposits | 74.1957% | 3,040 |
| Net loans and leases to core deposits | 75.9889% | 3,412 |
| Total domestic deposits to total assets | 89.7204% | 1,232 |
| Equity capital to assets | 5.5092% | 6,603 |
| Core capital (leverage) ratio | 5.8027% | 6,610 |
| Tier 1 risk-based capital ratio | 8.8911% | 6,601 |
| Total risk-based capital ratio | 10.1288% | 6,599 |
| Memoranda: | ||
| Average total assets | $118,239,500 | 4,311 |
| Average earning assets | $103,201,000 | 4,420 |
| Average equity | $6,875,500 | 5,550 |
| Average total loans | $82,238,000 | 3,880 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 4,854 |
| Cost of funding earning assets | 0.6324% | 2,363 |
| Net interest margin | 3.1564% | 5,137 |
| Noninterest income to average assets | 0.6701% | 2,703 |
| Noninterest expense to average assets | 4.1023% | 774 |
| Loan and lease loss provision to assets | 0.2117% | 1,742 |
| Net operating income to assets | -2.2862% | 6,726 |
| Return on assets (ROA) | -2.2862% | 6,726 |
| Pretax return on assets | -0.9110% | 6,576 |
| Return on Equity (ROE) | -31.5774% | 6,729 |
| Retained earnings to average equity (ytd only) | -31.5774% | 6,725 |
| Net charge-offs to loans | 0.2188% | 2,713 |
| Credit loss provision to net charge-offs | 140.3315% | 1,662 |
| Earnings coverage of net charge-offs (x) | -4.6354% | 5,385 |
| Efficiency ratio | 120.5486% | 175 |
| Assets per employee ($millions) | 3.1851% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 3,425 |
| Loan loss allowance to noncurrent loans | 158.2447% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.5279% | 2,433 |
| Noncurrent loans to loans | 0.9152% | 3,697 |
| Net loans and leases to total assets | 70.6231% | 1,915 |
| Net loans and leases to deposits | 79.5224% | 2,516 |
| Net loans and leases to core deposits | 81.7517% | 2,925 |
| Total domestic deposits to total assets | 88.8091% | 1,747 |
| Equity capital to assets | 6.1396% | 6,612 |
| Core capital (leverage) ratio | 6.1299% | 6,638 |
| Tier 1 risk-based capital ratio | 9.6769% | 6,577 |
| Total risk-based capital ratio | 10.9315% | 6,559 |
| Memoranda: | ||
| Average total assets | $119,980,200 | 4,279 |
| Average earning assets | $103,883,800 | 4,409 |
| Average equity | $8,686,600 | 5,167 |
| Average total loans | $82,719,200 | 3,858 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7759% | 4,939 |
| Cost of funding earning assets | 0.6585% | 2,290 |
| Net interest margin | 3.1174% | 5,273 |
| Noninterest income to average assets | 0.7529% | 2,357 |
| Noninterest expense to average assets | 4.1952% | 690 |
| Loan and lease loss provision to assets | 0.2231% | 1,629 |
| Net operating income to assets | -2.7785% | 6,837 |
| Return on assets (ROA) | -2.7785% | 6,840 |
| Pretax return on assets | -0.9650% | 6,690 |
| Return on Equity (ROE) | -37.0465% | 6,841 |
| Retained earnings to average equity (ytd only) | -37.0465% | 6,838 |
| Net charge-offs to loans | 0.2800% | 2,149 |
| Credit loss provision to net charge-offs | 116.6667% | 2,018 |
| Earnings coverage of net charge-offs (x) | -3.8794% | 5,120 |
| Efficiency ratio | 121.4831% | 165 |
| Assets per employee ($millions) | 3.0318% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 3,626 |
| Loan loss allowance to noncurrent loans | 191.9598% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 1.3914% | 2,870 |
| Noncurrent loans to loans | 0.7628% | 4,320 |
| Net loans and leases to total assets | 66.9369% | 2,472 |
| Net loans and leases to deposits | 76.2046% | 2,933 |
| Net loans and leases to core deposits | 78.7895% | 3,254 |
| Total domestic deposits to total assets | 87.8384% | 2,225 |
| Equity capital to assets | 6.3104% | 6,663 |
| Core capital (leverage) ratio | 6.0529% | 6,711 |
| Tier 1 risk-based capital ratio | 10.3146% | 6,504 |
| Total risk-based capital ratio | 11.5695% | 6,471 |
| Memoranda: | ||
| Average total assets | $121,309,000 | 4,294 |
| Average earning assets | $105,083,500 | 4,426 |
| Average equity | $9,098,250 | 5,114 |
| Average total loans | $82,856,500 | 3,885 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7915% | 4,857 |
| Cost of funding earning assets | 0.6769% | 2,247 |
| Net interest margin | 3.1145% | 5,234 |
| Noninterest income to average assets | 0.8999% | 1,811 |
| Noninterest expense to average assets | 4.0927% | 780 |
| Loan and lease loss provision to assets | 0.1654% | 2,259 |
| Net operating income to assets | -0.5386% | 6,650 |
| Return on assets (ROA) | -0.5400% | 6,661 |
| Pretax return on assets | -0.6664% | 6,680 |
| Return on Equity (ROE) | -6.8606% | 6,682 |
| Retained earnings to average equity (ytd only) | -6.8606% | 6,558 |
| Net charge-offs to loans | -0.0166% | 5,906 |
| Credit loss provision to net charge-offs | -1,457.1429% | 6,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8989% | 232 |
| Assets per employee ($millions) | 3.2990% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,495 |
| Loan loss allowance to noncurrent loans | 106.1472% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.6352% | 2,653 |
| Noncurrent loans to loans | 1.4314% | 3,152 |
| Net loans and leases to total assets | 65.1019% | 2,745 |
| Net loans and leases to deposits | 75.3325% | 2,968 |
| Net loans and leases to core deposits | 79.7427% | 3,055 |
| Total domestic deposits to total assets | 86.4194% | 3,155 |
| Equity capital to assets | 7.7672% | 6,330 |
| Core capital (leverage) ratio | 6.4230% | 6,708 |
| Tier 1 risk-based capital ratio | 10.8814% | 6,385 |
| Total risk-based capital ratio | 12.1375% | 6,354 |
| Memoranda: | ||
| Average total assets | $123,343,000 | 4,273 |
| Average earning assets | $106,661,000 | 4,420 |
| Average equity | $9,707,670 | 5,010 |
| Average total loans | $84,388,000 | 3,867 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9708% | 4,234 |
| Cost of funding earning assets | 0.7128% | 2,112 |
| Net interest margin | 3.2580% | 4,692 |
| Noninterest income to average assets | 1.0969% | 1,228 |
| Noninterest expense to average assets | 3.7296% | 1,204 |
| Loan and lease loss provision to assets | 0.1645% | 2,222 |
| Net operating income to assets | 0.0387% | 6,280 |
| Return on assets (ROA) | 0.0387% | 6,363 |
| Pretax return on assets | 0.0194% | 6,380 |
| Return on Equity (ROE) | 0.4887% | 6,332 |
| Retained earnings to average equity (ytd only) | 0.4887% | 5,630 |
| Net charge-offs to loans | -0.0417% | 6,050 |
| Credit loss provision to net charge-offs | -566.6667% | 5,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3009% | 762 |
| Assets per employee ($millions) | 3.5199% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 4,123 |
| Loan loss allowance to noncurrent loans | 179.9694% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 3,524 |
| Noncurrent loans to loans | 0.7901% | 4,542 |
| Net loans and leases to total assets | 66.2348% | 2,328 |
| Net loans and leases to deposits | 76.3494% | 2,579 |
| Net loans and leases to core deposits | 81.0328% | 2,690 |
| Total domestic deposits to total assets | 86.7522% | 3,103 |
| Equity capital to assets | 7.9725% | 6,393 |
| Core capital (leverage) ratio | 6.8667% | 6,680 |
| Tier 1 risk-based capital ratio | 10.7807% | 6,495 |
| Total risk-based capital ratio | 12.0316% | 6,464 |
| Memoranda: | ||
| Average total assets | $123,982,500 | 4,306 |
| Average earning assets | $107,181,500 | 4,440 |
| Average equity | $9,821,000 | 5,031 |
| Average total loans | $86,236,000 | 3,835 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 4,381 |
| Cost of funding earning assets | 0.8999% | 1,938 |
| Net interest margin | 3.3572% | 5,045 |
| Noninterest income to average assets | 1.1144% | 1,251 |
| Noninterest expense to average assets | 3.7526% | 1,326 |
| Loan and lease loss provision to assets | 0.6686% | 793 |
| Net operating income to assets | -0.2213% | 6,388 |
| Return on assets (ROA) | -0.2763% | 6,478 |
| Pretax return on assets | -0.4999% | 6,571 |
| Return on Equity (ROE) | -3.5716% | 6,526 |
| Retained earnings to average equity (ytd only) | -3.5716% | 6,317 |
| Net charge-offs to loans | 1.2261% | 817 |
| Credit loss provision to net charge-offs | 76.6637% | 3,940 |
| Earnings coverage of net charge-offs (x) | 0.2919% | 5,335 |
| Efficiency ratio | 93.6462% | 816 |
| Assets per employee ($millions) | 3.5648% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 4,902 |
| Loan loss allowance to noncurrent loans | 210.3578% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 3,796 |
| Noncurrent loans to loans | 0.5920% | 5,052 |
| Net loans and leases to total assets | 70.9947% | 1,650 |
| Net loans and leases to deposits | 81.5883% | 2,059 |
| Net loans and leases to core deposits | 87.8149% | 2,110 |
| Total domestic deposits to total assets | 87.0158% | 2,839 |
| Equity capital to assets | 7.8707% | 6,469 |
| Core capital (leverage) ratio | 6.5960% | 6,776 |
| Tier 1 risk-based capital ratio | 10.2723% | 6,627 |
| Total risk-based capital ratio | 11.5344% | 6,588 |
| Memoranda: | ||
| Average total assets | $129,217,600 | 4,159 |
| Average earning assets | $111,341,800 | 4,308 |
| Average equity | $9,995,600 | 4,984 |
| Average total loans | $91,914,400 | 3,696 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 4,064 |
| Cost of funding earning assets | 0.9328% | 1,963 |
| Net interest margin | 3.4643% | 4,789 |
| Noninterest income to average assets | 1.2133% | 1,019 |
| Noninterest expense to average assets | 3.6685% | 1,415 |
| Loan and lease loss provision to assets | 0.5320% | 1,114 |
| Net operating income to assets | 0.0286% | 6,242 |
| Return on assets (ROA) | 0.0102% | 6,395 |
| Pretax return on assets | -0.0297% | 6,423 |
| Return on Equity (ROE) | 0.1328% | 6,389 |
| Retained earnings to average equity (ytd only) | 0.1328% | 6,033 |
| Net charge-offs to loans | 1.1117% | 913 |
| Credit loss provision to net charge-offs | 67.4449% | 3,966 |
| Earnings coverage of net charge-offs (x) | 0.6732% | 4,988 |
| Efficiency ratio | 87.3569% | 1,264 |
| Assets per employee ($millions) | 3.3419% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 4,665 |
| Loan loss allowance to noncurrent loans | 112.2266% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.7119% | 3,029 |
| Noncurrent loans to loans | 1.1869% | 4,077 |
| Net loans and leases to total assets | 65.8551% | 2,682 |
| Net loans and leases to deposits | 76.5906% | 2,893 |
| Net loans and leases to core deposits | 83.1304% | 2,805 |
| Total domestic deposits to total assets | 85.9833% | 3,271 |
| Equity capital to assets | 7.9958% | 6,591 |
| Core capital (leverage) ratio | 7.0981% | 6,775 |
| Tier 1 risk-based capital ratio | 12.1194% | 5,874 |
| Total risk-based capital ratio | 13.3725% | 5,848 |
| Memoranda: | ||
| Average total assets | $130,330,250 | 4,179 |
| Average earning assets | $112,341,500 | 4,335 |
| Average equity | $10,039,500 | 5,018 |
| Average total loans | $92,469,250 | 3,730 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4733% | 3,883 |
| Cost of funding earning assets | 0.9740% | 1,914 |
| Net interest margin | 3.4993% | 4,672 |
| Noninterest income to average assets | 1.0925% | 1,199 |
| Noninterest expense to average assets | 3.6563% | 1,457 |
| Loan and lease loss provision to assets | 0.7456% | 701 |
| Net operating income to assets | -0.1574% | 6,499 |
| Return on assets (ROA) | -0.1369% | 6,565 |
| Pretax return on assets | -0.2708% | 6,623 |
| Return on Equity (ROE) | -1.7998% | 6,605 |
| Retained earnings to average equity (ytd only) | -1.7998% | 6,328 |
| Net charge-offs to loans | 1.6141% | 579 |
| Credit loss provision to net charge-offs | 63.8853% | 3,711 |
| Earnings coverage of net charge-offs (x) | 0.3794% | 4,891 |
| Efficiency ratio | 89.1982% | 1,133 |
| Assets per employee ($millions) | 3.4526% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 5,301 |
| Loan loss allowance to noncurrent loans | 117.9872% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.6258% | 3,288 |
| Noncurrent loans to loans | 1.0268% | 4,460 |
| Net loans and leases to total assets | 68.4914% | 2,202 |
| Net loans and leases to deposits | 79.1251% | 2,507 |
| Net loans and leases to core deposits | 86.3325% | 2,384 |
| Total domestic deposits to total assets | 86.5609% | 3,036 |
| Equity capital to assets | 7.6289% | 6,751 |
| Core capital (leverage) ratio | 6.8567% | 6,854 |
| Tier 1 risk-based capital ratio | 11.0423% | 6,474 |
| Total risk-based capital ratio | 12.2936% | 6,445 |
| Memoranda: | ||
| Average total assets | $131,443,330 | 4,176 |
| Average earning assets | $112,936,000 | 4,336 |
| Average equity | $10,001,330 | 5,031 |
| Average total loans | $95,039,330 | 3,691 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 3,557 |
| Cost of funding earning assets | 1.0425% | 1,728 |
| Net interest margin | 3.5460% | 4,504 |
| Noninterest income to average assets | 0.9790% | 1,483 |
| Noninterest expense to average assets | 3.7639% | 1,267 |
| Loan and lease loss provision to assets | 1.3985% | 261 |
| Net operating income to assets | -0.6696% | 6,897 |
| Return on assets (ROA) | -0.5898% | 6,894 |
| Pretax return on assets | -1.0185% | 6,982 |
| Return on Equity (ROE) | -7.7619% | 6,943 |
| Retained earnings to average equity (ytd only) | -7.7619% | 6,751 |
| Net charge-offs to loans | 3.1727% | 220 |
| Credit loss provision to net charge-offs | 59.7403% | 3,120 |
| Earnings coverage of net charge-offs (x) | 0.1091% | 4,314 |
| Efficiency ratio | 93.6460% | 839 |
| Assets per employee ($millions) | 3.4356% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 5,746 |
| Loan loss allowance to noncurrent loans | 115.5508% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.8789% | 3,076 |
| Noncurrent loans to loans | 0.9884% | 4,696 |
| Net loans and leases to total assets | 70.9446% | 1,584 |
| Net loans and leases to deposits | 82.2267% | 1,909 |
| Net loans and leases to core deposits | 90.4299% | 1,806 |
| Total domestic deposits to total assets | 86.2792% | 3,372 |
| Equity capital to assets | 7.5892% | 6,750 |
| Core capital (leverage) ratio | 6.8696% | 6,886 |
| Tier 1 risk-based capital ratio | 10.6517% | 6,697 |
| Total risk-based capital ratio | 11.9028% | 6,675 |
| Memoranda: | ||
| Average total assets | $131,565,500 | 4,197 |
| Average earning assets | $112,804,500 | 4,359 |
| Average equity | $9,997,500 | 5,046 |
| Average total loans | $97,078,000 | 3,660 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7576% | 3,997 |
| Cost of funding earning assets | 1.2289% | 1,842 |
| Net interest margin | 3.5288% | 5,028 |
| Noninterest income to average assets | 1.6377% | 513 |
| Noninterest expense to average assets | 3.5596% | 1,836 |
| Loan and lease loss provision to assets | 1.2860% | 640 |
| Net operating income to assets | -0.0957% | 6,160 |
| Return on assets (ROA) | -0.1191% | 6,253 |
| Pretax return on assets | -0.2440% | 6,316 |
| Return on Equity (ROE) | -1.6709% | 6,310 |
| Retained earnings to average equity (ytd only) | -1.6709% | 6,111 |
| Net charge-offs to loans | 1.5002% | 1,067 |
| Credit loss provision to net charge-offs | 111.1663% | 2,996 |
| Earnings coverage of net charge-offs (x) | 0.9324% | 5,106 |
| Efficiency ratio | 76.7445% | 2,780 |
| Assets per employee ($millions) | 3.4889% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 4,587 |
| Loan loss allowance to noncurrent loans | 105.1028% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.7597% | 3,312 |
| Noncurrent loans to loans | 1.3069% | 4,191 |
| Net loans and leases to total assets | 74.7377% | 1,137 |
| Net loans and leases to deposits | 86.6408% | 1,586 |
| Net loans and leases to core deposits | 97.5294% | 1,371 |
| Total domestic deposits to total assets | 86.2616% | 3,160 |
| Equity capital to assets | 7.6084% | 6,769 |
| Core capital (leverage) ratio | 6.9230% | 6,886 |
| Tier 1 risk-based capital ratio | 10.8048% | 6,553 |
| Total risk-based capital ratio | 12.0707% | 6,533 |
| Memoranda: | ||
| Average total assets | $139,341,800 | 3,986 |
| Average earning assets | $118,483,800 | 4,171 |
| Average equity | $9,934,600 | 5,039 |
| Average total loans | $107,450,600 | 3,438 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 4,302 |
| Cost of funding earning assets | 1.2608% | 1,928 |
| Net interest margin | 3.4738% | 5,301 |
| Noninterest income to average assets | 1.0097% | 1,314 |
| Noninterest expense to average assets | 3.4639% | 2,042 |
| Loan and lease loss provision to assets | 1.2167% | 639 |
| Net operating income to assets | -0.4047% | 6,588 |
| Return on assets (ROA) | -0.4670% | 6,666 |
| Pretax return on assets | -0.8196% | 6,796 |
| Return on Equity (ROE) | -6.6554% | 6,750 |
| Retained earnings to average equity (ytd only) | -6.6554% | 6,683 |
| Net charge-offs to loans | 1.7180% | 805 |
| Credit loss provision to net charge-offs | 91.4712% | 3,728 |
| Earnings coverage of net charge-offs (x) | 0.3717% | 5,334 |
| Efficiency ratio | 87.5090% | 1,384 |
| Assets per employee ($millions) | 3.3819% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 6,079 |
| Loan loss allowance to noncurrent loans | 78.8321% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.8717% | 3,305 |
| Noncurrent loans to loans | 1.3225% | 4,329 |
| Net loans and leases to total assets | 75.7821% | 1,008 |
| Net loans and leases to deposits | 87.0690% | 1,545 |
| Net loans and leases to core deposits | 100.2004% | 1,230 |
| Total domestic deposits to total assets | 87.0369% | 2,632 |
| Equity capital to assets | 7.2297% | 7,008 |
| Core capital (leverage) ratio | 6.5881% | 7,056 |
| Tier 1 risk-based capital ratio | 10.2214% | 6,885 |
| Total risk-based capital ratio | 11.4609% | 6,881 |
| Memoranda: | ||
| Average total assets | $141,033,000 | 3,974 |
| Average earning assets | $119,711,500 | 4,158 |
| Average equity | $9,896,500 | 5,061 |
| Average total loans | $109,197,000 | 3,430 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 4,252 |
| Cost of funding earning assets | 1.2833% | 2,046 |
| Net interest margin | 3.4759% | 5,269 |
| Noninterest income to average assets | 0.6925% | 2,599 |
| Noninterest expense to average assets | 3.5578% | 1,844 |
| Loan and lease loss provision to assets | 1.5362% | 459 |
| Net operating income to assets | -0.8394% | 6,887 |
| Return on assets (ROA) | -0.8842% | 6,907 |
| Pretax return on assets | -1.5194% | 7,079 |
| Return on Equity (ROE) | -12.7223% | 7,004 |
| Retained earnings to average equity (ytd only) | -12.7223% | 6,965 |
| Net charge-offs to loans | 2.2311% | 576 |
| Credit loss provision to net charge-offs | 88.6199% | 3,498 |
| Earnings coverage of net charge-offs (x) | 0.0500% | 5,252 |
| Efficiency ratio | 97.6200% | 805 |
| Assets per employee ($millions) | 3.8899% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 6,301 |
| Loan loss allowance to noncurrent loans | 52.2447% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 2.4022% | 2,753 |
| Noncurrent loans to loans | 1.9264% | 3,571 |
| Net loans and leases to total assets | 74.3816% | 1,344 |
| Net loans and leases to deposits | 85.1907% | 1,911 |
| Net loans and leases to core deposits | 100.8589% | 1,266 |
| Total domestic deposits to total assets | 87.3118% | 2,562 |
| Equity capital to assets | 6.9004% | 7,122 |
| Core capital (leverage) ratio | 6.2559% | 7,161 |
| Tier 1 risk-based capital ratio | 9.4967% | 7,105 |
| Total risk-based capital ratio | 10.6592% | 7,119 |
| Memoranda: | ||
| Average total assets | $142,952,000 | 3,976 |
| Average earning assets | $121,408,000 | 4,160 |
| Average equity | $9,935,330 | 5,061 |
| Average total loans | $111,064,330 | 3,430 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 4,471 |
| Cost of funding earning assets | 1.3131% | 2,110 |
| Net interest margin | 3.3977% | 5,437 |
| Noninterest income to average assets | 0.6094% | 3,099 |
| Noninterest expense to average assets | 3.5455% | 1,887 |
| Loan and lease loss provision to assets | 1.8752% | 301 |
| Net operating income to assets | -1.1412% | 7,084 |
| Return on assets (ROA) | -1.2298% | 7,114 |
| Pretax return on assets | -2.0830% | 7,269 |
| Return on Equity (ROE) | -17.6339% | 7,191 |
| Retained earnings to average equity (ytd only) | -17.6339% | 7,109 |
| Net charge-offs to loans | 2.4213% | 487 |
| Credit loss provision to net charge-offs | 98.1159% | 2,786 |
| Earnings coverage of net charge-offs (x) | -0.0362% | 4,607 |
| Efficiency ratio | 101.9920% | 672 |
| Assets per employee ($millions) | 3.4856% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 6,081 |
| Loan loss allowance to noncurrent loans | 39.3046% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 3.2648% | 2,100 |
| Noncurrent loans to loans | 2.7736% | 2,728 |
| Net loans and leases to total assets | 77.2444% | 837 |
| Net loans and leases to deposits | 88.6505% | 1,393 |
| Net loans and leases to core deposits | 106.3358% | 923 |
| Total domestic deposits to total assets | 87.1336% | 2,871 |
| Equity capital to assets | 7.0769% | 7,062 |
| Core capital (leverage) ratio | 6.2335% | 7,216 |
| Tier 1 risk-based capital ratio | 8.8562% | 7,234 |
| Total risk-based capital ratio | 10.0655% | 7,242 |
| Memoranda: | ||
| Average total assets | $144,410,000 | 3,986 |
| Average earning assets | $121,845,500 | 4,180 |
| Average equity | $10,071,500 | 5,030 |
| Average total loans | $113,986,500 | 3,387 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9335% | 4,865 |
| Cost of funding earning assets | 1.5657% | 2,269 |
| Net interest margin | 3.3678% | 5,738 |
| Noninterest income to average assets | 1.1302% | 1,153 |
| Noninterest expense to average assets | 3.5190% | 2,124 |
| Loan and lease loss provision to assets | 0.8178% | 2,003 |
| Net operating income to assets | -0.1337% | 6,030 |
| Return on assets (ROA) | -0.5924% | 6,473 |
| Pretax return on assets | -1.0259% | 6,659 |
| Return on Equity (ROE) | -8.5063% | 6,648 |
| Retained earnings to average equity (ytd only) | -8.5063% | 6,564 |
| Net charge-offs to loans | 1.3414% | 1,663 |
| Credit loss provision to net charge-offs | 77.2613% | 5,656 |
| Earnings coverage of net charge-offs (x) | 0.4805% | 5,632 |
| Efficiency ratio | 87.3721% | 1,533 |
| Assets per employee ($millions) | 3.1786% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 6,353 |
| Loan loss allowance to noncurrent loans | 36.8098% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 3.2786% | 2,155 |
| Noncurrent loans to loans | 2.7375% | 2,781 |
| Net loans and leases to total assets | 78.9103% | 812 |
| Net loans and leases to deposits | 94.1124% | 1,055 |
| Net loans and leases to core deposits | 111.4338% | 847 |
| Total domestic deposits to total assets | 83.8468% | 4,427 |
| Equity capital to assets | 6.8784% | 7,148 |
| Core capital (leverage) ratio | 6.2875% | 7,248 |
| Tier 1 risk-based capital ratio | 9.0285% | 7,240 |
| Total risk-based capital ratio | 10.1651% | 7,263 |
| Memoranda: | ||
| Average total assets | $150,411,400 | 3,865 |
| Average earning assets | $129,402,200 | 4,028 |
| Average equity | $10,474,600 | 4,989 |
| Average total loans | $118,678,200 | 3,335 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9075% | 5,230 |
| Cost of funding earning assets | 1.5986% | 2,395 |
| Net interest margin | 3.3089% | 5,988 |
| Noninterest income to average assets | 1.2858% | 834 |
| Noninterest expense to average assets | 3.4663% | 2,122 |
| Loan and lease loss provision to assets | 0.5088% | 2,913 |
| Net operating income to assets | 0.1633% | 5,607 |
| Return on assets (ROA) | -0.4496% | 6,599 |
| Pretax return on assets | -0.7894% | 6,733 |
| Return on Equity (ROE) | -6.4358% | 6,754 |
| Retained earnings to average equity (ytd only) | -6.4358% | 6,674 |
| Net charge-offs to loans | 0.6004% | 2,936 |
| Credit loss provision to net charge-offs | 107.6779% | 3,960 |
| Earnings coverage of net charge-offs (x) | 1.4326% | 4,652 |
| Efficiency ratio | 83.6608% | 1,871 |
| Assets per employee ($millions) | 3.2812% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 4,841 |
| Loan loss allowance to noncurrent loans | 36.8590% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 3.8407% | 1,844 |
| Noncurrent loans to loans | 3.5862% | 2,187 |
| Net loans and leases to total assets | 77.5960% | 1,106 |
| Net loans and leases to deposits | 95.6624% | 1,028 |
| Net loans and leases to core deposits | 114.3629% | 820 |
| Total domestic deposits to total assets | 81.1144% | 5,325 |
| Equity capital to assets | 6.9292% | 7,362 |
| Core capital (leverage) ratio | 6.8908% | 7,216 |
| Tier 1 risk-based capital ratio | 9.8876% | 7,122 |
| Total risk-based capital ratio | 11.1504% | 7,107 |
| Memoranda: | ||
| Average total assets | $150,665,500 | 3,915 |
| Average earning assets | $130,110,000 | 4,061 |
| Average equity | $10,524,250 | 5,048 |
| Average total loans | $118,575,750 | 3,394 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 5,058 |
| Cost of funding earning assets | 1.6504% | 2,383 |
| Net interest margin | 3.3240% | 5,927 |
| Noninterest income to average assets | 0.6048% | 3,306 |
| Noninterest expense to average assets | 3.2245% | 2,815 |
| Loan and lease loss provision to assets | 0.1003% | 5,905 |
| Net operating income to assets | 0.1160% | 5,814 |
| Return on assets (ROA) | 0.1606% | 5,811 |
| Pretax return on assets | 0.2181% | 5,730 |
| Return on Equity (ROE) | 2.2922% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.2922% | 4,698 |
| Net charge-offs to loans | 0.0170% | 6,102 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 19.3000% | 1,258 |
| Efficiency ratio | 92.5855% | 1,156 |
| Assets per employee ($millions) | 3.2798% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 4,684 |
| Loan loss allowance to noncurrent loans | 36.6607% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 3.0848% | 2,301 |
| Noncurrent loans to loans | 3.6804% | 2,126 |
| Net loans and leases to total assets | 78.8492% | 985 |
| Net loans and leases to deposits | 93.6073% | 1,326 |
| Net loans and leases to core deposits | 114.4211% | 901 |
| Total domestic deposits to total assets | 84.2340% | 4,000 |
| Equity capital to assets | 6.9816% | 7,358 |
| Core capital (leverage) ratio | 7.1306% | 7,110 |
| Tier 1 risk-based capital ratio | 9.5514% | 7,239 |
| Total risk-based capital ratio | 10.8098% | 7,242 |
| Memoranda: | ||
| Average total assets | $149,481,330 | 3,961 |
| Average earning assets | $129,423,000 | 4,103 |
| Average equity | $10,470,330 | 5,070 |
| Average total loans | $117,677,670 | 3,443 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 4,404 |
| Cost of funding earning assets | 1.7200% | 2,289 |
| Net interest margin | 3.4088% | 5,546 |
| Noninterest income to average assets | 0.5215% | 3,884 |
| Noninterest expense to average assets | 3.2207% | 2,781 |
| Loan and lease loss provision to assets | 0.0403% | 6,267 |
| Net operating income to assets | 0.1506% | 5,860 |
| Return on assets (ROA) | 0.1506% | 5,987 |
| Pretax return on assets | 0.2016% | 5,873 |
| Return on Equity (ROE) | 2.1458% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.1458% | 4,848 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0124% | 1,200 |
| Assets per employee ($millions) | 3.7247% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 4,655 |
| Loan loss allowance to noncurrent loans | 36.1200% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 3.0754% | 2,328 |
| Noncurrent loans to loans | 3.7500% | 2,117 |
| Net loans and leases to total assets | 77.0874% | 1,313 |
| Net loans and leases to deposits | 90.8330% | 1,779 |
| Net loans and leases to core deposits | 112.1417% | 1,154 |
| Total domestic deposits to total assets | 84.8672% | 3,739 |
| Equity capital to assets | 7.0308% | 7,352 |
| Core capital (leverage) ratio | 7.0978% | 7,174 |
| Tier 1 risk-based capital ratio | 9.5984% | 7,249 |
| Total risk-based capital ratio | 10.8597% | 7,240 |
| Memoranda: | ||
| Average total assets | $148,787,500 | 4,032 |
| Average earning assets | $128,373,000 | 4,185 |
| Average equity | $10,439,000 | 5,120 |
| Average total loans | $116,223,500 | 3,535 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 5,405 |
| Cost of funding earning assets | 2.2056% | 2,000 |
| Net interest margin | 3.0459% | 6,527 |
| Noninterest income to average assets | 1.2639% | 947 |
| Noninterest expense to average assets | 3.7181% | 1,868 |
| Loan and lease loss provision to assets | 0.5932% | 3,426 |
| Net operating income to assets | -0.1963% | 5,837 |
| Return on assets (ROA) | -0.1786% | 5,815 |
| Pretax return on assets | -0.3444% | 5,876 |
| Return on Equity (ROE) | -2.4091% | 5,911 |
| Retained earnings to average equity (ytd only) | -2.4091% | 5,599 |
| Net charge-offs to loans | 0.4902% | 3,810 |
| Credit loss provision to net charge-offs | 156.0284% | 2,904 |
| Earnings coverage of net charge-offs (x) | 0.5816% | 5,521 |
| Efficiency ratio | 94.3874% | 1,387 |
| Assets per employee ($millions) | 3.5378% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 4,502 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 2.7694% | 2,523 |
| Noncurrent loans to loans | 3.3658% | 2,267 |
| Net loans and leases to total assets | 77.0303% | 1,577 |
| Net loans and leases to deposits | 95.5480% | 1,383 |
| Net loans and leases to core deposits | 111.7122% | 2,726 |
| Total domestic deposits to total assets | 80.6194% | 5,462 |
| Equity capital to assets | 7.0013% | 7,368 |
| Core capital (leverage) ratio | 7.0510% | 7,197 |
| Tier 1 risk-based capital ratio | 9.4883% | 7,240 |
| Total risk-based capital ratio | 10.7486% | 7,202 |
| Memoranda: | ||
| Average total assets | $148,353,400 | 3,981 |
| Average earning assets | $130,306,600 | 4,080 |
| Average equity | $11,000,000 | 5,023 |
| Average total loans | $115,057,000 | 3,579 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2726% | 5,558 |
| Cost of funding earning assets | 2.3038% | 1,974 |
| Net interest margin | 2.9688% | 6,688 |
| Noninterest income to average assets | 1.2992% | 920 |
| Noninterest expense to average assets | 3.7150% | 1,784 |
| Loan and lease loss provision to assets | 0.3399% | 4,299 |
| Net operating income to assets | -0.0532% | 5,808 |
| Return on assets (ROA) | -0.0360% | 5,834 |
| Pretax return on assets | -0.1079% | 5,852 |
| Return on Equity (ROE) | -0.4783% | 5,853 |
| Retained earnings to average equity (ytd only) | -0.4783% | 5,346 |
| Net charge-offs to loans | 0.3821% | 3,736 |
| Credit loss provision to net charge-offs | 114.8936% | 4,416 |
| Earnings coverage of net charge-offs (x) | 0.6930% | 5,340 |
| Efficiency ratio | 94.7706% | 1,351 |
| Assets per employee ($millions) | 3.0816% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 5,607 |
| Loan loss allowance to noncurrent loans | 32.8931% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 2.6616% | 2,617 |
| Noncurrent loans to loans | 3.4008% | 2,214 |
| Net loans and leases to total assets | 77.3876% | 1,702 |
| Net loans and leases to deposits | 94.5299% | 1,787 |
| Net loans and leases to core deposits | 113.7193% | 2,860 |
| Total domestic deposits to total assets | 81.8658% | 4,732 |
| Equity capital to assets | 7.5879% | 7,232 |
| Core capital (leverage) ratio | 7.5751% | 6,889 |
| Tier 1 risk-based capital ratio | 10.1088% | 6,872 |
| Total risk-based capital ratio | 11.2932% | 6,888 |
| Memoranda: | ||
| Average total assets | $148,295,000 | 4,002 |
| Average earning assets | $130,913,250 | 4,086 |
| Average equity | $11,149,250 | 5,029 |
| Average total loans | $114,816,500 | 3,616 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5049% | 4,601 |
| Cost of funding earning assets | 2.4040% | 1,957 |
| Net interest margin | 3.1009% | 6,236 |
| Noninterest income to average assets | 1.4001% | 777 |
| Noninterest expense to average assets | 3.7461% | 1,751 |
| Loan and lease loss provision to assets | 0.1051% | 6,110 |
| Net operating income to assets | 0.1967% | 5,275 |
| Return on assets (ROA) | 0.2250% | 5,262 |
| Pretax return on assets | 0.3234% | 5,156 |
| Return on Equity (ROE) | 3.0024% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.0024% | 3,651 |
| Net charge-offs to loans | 0.0629% | 5,618 |
| Credit loss provision to net charge-offs | 216.6667% | 2,122 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,336 |
| Efficiency ratio | 90.6128% | 1,759 |
| Assets per employee ($millions) | 2.9048% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 5,566 |
| Loan loss allowance to noncurrent loans | 33.4025% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 2.6028% | 2,474 |
| Noncurrent loans to loans | 3.3099% | 2,129 |
| Net loans and leases to total assets | 77.7674% | 1,804 |
| Net loans and leases to deposits | 96.2699% | 1,751 |
| Net loans and leases to core deposits | 115.2330% | 2,785 |
| Total domestic deposits to total assets | 80.7806% | 5,154 |
| Equity capital to assets | 7.7288% | 7,042 |
| Core capital (leverage) ratio | 7.6308% | 6,857 |
| Tier 1 risk-based capital ratio | 10.3553% | 6,524 |
| Total risk-based capital ratio | 11.5375% | 6,545 |
| Memoranda: | ||
| Average total assets | $148,420,330 | 4,022 |
| Average earning assets | $130,865,670 | 4,119 |
| Average equity | $11,124,330 | 5,048 |
| Average total loans | $114,500,000 | 3,661 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 4,450 |
| Cost of funding earning assets | 2.5314% | 1,796 |
| Net interest margin | 3.0536% | 6,327 |
| Noninterest income to average assets | 1.3678% | 764 |
| Noninterest expense to average assets | 3.6296% | 1,795 |
| Loan and lease loss provision to assets | 0.0404% | 6,462 |
| Net operating income to assets | 0.2558% | 5,464 |
| Return on assets (ROA) | 0.2558% | 5,625 |
| Pretax return on assets | 0.3743% | 5,467 |
| Return on Equity (ROE) | 3.4667% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.4667% | 3,965 |
| Net charge-offs to loans | 0.0070% | 5,584 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 535 |
| Efficiency ratio | 89.7470% | 1,740 |
| Assets per employee ($millions) | 3.0332% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 5,361 |
| Loan loss allowance to noncurrent loans | 54.3610% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 1.5583% | 3,599 |
| Noncurrent loans to loans | 2.0509% | 3,198 |
| Net loans and leases to total assets | 75.1329% | 2,470 |
| Net loans and leases to deposits | 92.2715% | 2,550 |
| Net loans and leases to core deposits | 117.2382% | 2,661 |
| Total domestic deposits to total assets | 81.4259% | 4,779 |
| Equity capital to assets | 7.6750% | 7,199 |
| Core capital (leverage) ratio | 7.6886% | 6,899 |
| Tier 1 risk-based capital ratio | 10.6737% | 6,219 |
| Total risk-based capital ratio | 11.8582% | 6,205 |
| Memoranda: | ||
| Average total assets | $148,557,000 | 4,033 |
| Average earning assets | $130,205,500 | 4,150 |
| Average equity | $10,961,500 | 5,119 |
| Average total loans | $113,501,000 | 3,707 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9175% | 5,953 |
| Cost of funding earning assets | 3.0963% | 1,515 |
| Net interest margin | 2.8212% | 7,295 |
| Noninterest income to average assets | 0.9777% | 1,664 |
| Noninterest expense to average assets | 3.4477% | 2,534 |
| Loan and lease loss provision to assets | 0.5751% | 2,524 |
| Net operating income to assets | -0.2964% | 6,729 |
| Return on assets (ROA) | -0.2914% | 6,581 |
| Pretax return on assets | -0.5399% | 6,682 |
| Return on Equity (ROE) | -3.6499% | 6,702 |
| Retained earnings to average equity (ytd only) | -3.6499% | 6,253 |
| Net charge-offs to loans | 0.0380% | 6,268 |
| Credit loss provision to net charge-offs | 1,992.6829% | 227 |
| Earnings coverage of net charge-offs (x) | 0.9512% | 5,658 |
| Efficiency ratio | 99.2100% | 1,011 |
| Assets per employee ($millions) | 3.0935% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,333 |
| Loan loss allowance to noncurrent loans | 52.8414% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 1.7052% | 2,857 |
| Noncurrent loans to loans | 2.0670% | 2,671 |
| Net loans and leases to total assets | 75.9859% | 2,624 |
| Net loans and leases to deposits | 99.5333% | 1,898 |
| Net loans and leases to core deposits | 121.5081% | 2,553 |
| Total domestic deposits to total assets | 76.3422% | 6,155 |
| Equity capital to assets | 7.0821% | 7,693 |
| Core capital (leverage) ratio | 7.4452% | 7,267 |
| Tier 1 risk-based capital ratio | 10.0019% | 6,733 |
| Total risk-based capital ratio | 11.1699% | 6,708 |
| Memoranda: | ||
| Average total assets | $142,064,000 | 4,043 |
| Average earning assets | $125,762,400 | 4,134 |
| Average equity | $11,342,800 | 5,026 |
| Average total loans | $107,842,000 | 3,742 |