Home > Lone Star Bank > Performance and Condition Ratios
Lone Star Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2955% | 439 |
| Cost of funding earning assets | 2.3554% | 492 |
| Net interest margin | 3.9401% | 1,294 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 3.0800% | 990 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.6616% | 3,289 |
| Return on assets (ROA) | 0.6616% | 3,269 |
| Pretax return on assets | 0.7930% | 3,227 |
| Return on Equity (ROE) | 5.0800% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.0759% | 2,582 |
| Net charge-offs to loans | 0.0175% | 2,013 |
| Credit loss provision to net charge-offs | 504.1667% | 665 |
| Earnings coverage of net charge-offs (x) | 57.8333% | 1,208 |
| Efficiency ratio | 77.9997% | 1,072 |
| Assets per employee ($millions) | 6.1038% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,017 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 84.5400% | 239 |
| Net loans and leases to deposits | 98.0610% | 653 |
| Net loans and leases to core deposits | 119.1948% | 648 |
| Total domestic deposits to total assets | 86.2100% | 1,947 |
| Equity capital to assets | 13.4330% | 781 |
| Core capital (leverage) ratio | 13.3017% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7735% | 814 |
| Memoranda: | ||
| Average total assets | $159,773,200 | 3,272 |
| Average earning assets | $155,809,600 | 3,204 |
| Average equity | $20,824,000 | 2,788 |
| Average total loans | $137,250,000 | 2,794 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9699% | 552 |
| Cost of funding earning assets | 2.1697% | 526 |
| Net interest margin | 3.8002% | 1,600 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 3.1599% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5607% | 3,642 |
| Return on assets (ROA) | 0.5607% | 3,627 |
| Pretax return on assets | 0.6506% | 3,645 |
| Return on Equity (ROE) | 4.3300% | 3,932 |
| Retained earnings to average equity (ytd only) | 4.3347% | 3,172 |
| Net charge-offs to loans | 0.0242% | 1,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 31.2400% | 1,572 |
| Efficiency ratio | 82.9252% | 673 |
| Assets per employee ($millions) | 6.4035% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,514 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 83.1700% | 351 |
| Net loans and leases to deposits | 96.0585% | 751 |
| Net loans and leases to core deposits | 118.3689% | 592 |
| Total domestic deposits to total assets | 86.5800% | 2,019 |
| Equity capital to assets | 13.0766% | 797 |
| Core capital (leverage) ratio | 12.9342% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8342% | 834 |
| Memoranda: | ||
| Average total assets | $160,041,750 | 3,293 |
| Average earning assets | $156,023,500 | 3,210 |
| Average equity | $20,700,500 | 2,789 |
| Average total loans | $137,596,000 | 2,801 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8437% | 538 |
| Cost of funding earning assets | 1.8996% | 608 |
| Net interest margin | 3.9441% | 1,340 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.6821% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0186% | 2,365 |
| Return on assets (ROA) | 1.0186% | 2,354 |
| Pretax return on assets | 1.2885% | 2,115 |
| Return on Equity (ROE) | 7.9000% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.9039% | 1,990 |
| Net charge-offs to loans | 0.0361% | 1,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 41.2400% | 1,383 |
| Efficiency ratio | 67.5480% | 2,038 |
| Assets per employee ($millions) | 6.8329% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 2,755 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 2,346 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 83.4200% | 309 |
| Net loans and leases to deposits | 96.0096% | 734 |
| Net loans and leases to core deposits | 117.8903% | 574 |
| Total domestic deposits to total assets | 86.8900% | 1,964 |
| Equity capital to assets | 12.8521% | 848 |
| Core capital (leverage) ratio | 13.2404% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5107% | 883 |
| Memoranda: | ||
| Average total assets | $160,026,667 | 3,296 |
| Average earning assets | $155,929,667 | 3,223 |
| Average equity | $20,622,667 | 2,807 |
| Average total loans | $138,556,000 | 2,788 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 537 |
| Cost of funding earning assets | 1.5624% | 744 |
| Net interest margin | 4.0268% | 1,216 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.7334% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0478% | 2,393 |
| Return on assets (ROA) | 1.0478% | 2,357 |
| Pretax return on assets | 1.3262% | 2,098 |
| Return on Equity (ROE) | 8.1200% | 3,259 |
| Retained earnings to average equity (ytd only) | 8.1192% | 2,185 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.3317% | 2,057 |
| Assets per employee ($millions) | 5.9727% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 2,695 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 703 |
| Noncurrent loans to loans | 0.5871% | 1,264 |
| Net loans and leases to total assets | 86.8200% | 111 |
| Net loans and leases to deposits | 100.4657% | 424 |
| Net loans and leases to core deposits | 130.3157% | 269 |
| Total domestic deposits to total assets | 86.4200% | 2,468 |
| Equity capital to assets | 13.3138% | 694 |
| Core capital (leverage) ratio | 13.1147% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0788% | 985 |
| Memoranda: | ||
| Average total assets | $158,045,500 | 3,352 |
| Average earning assets | $153,870,000 | 3,280 |
| Average equity | $20,396,000 | 2,848 |
| Average total loans | $138,642,000 | 2,812 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 388 |
| Cost of funding earning assets | 0.5237% | 1,245 |
| Net interest margin | 4.3302% | 395 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.8362% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2986% | 1,435 |
| Return on assets (ROA) | 1.2986% | 1,397 |
| Pretax return on assets | 1.6441% | 1,049 |
| Return on Equity (ROE) | 10.3800% | 2,684 |
| Retained earnings to average equity (ytd only) | 10.3822% | 1,046 |
| Net charge-offs to loans | -0.0048% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.3045% | 2,589 |
| Assets per employee ($millions) | 6.1847% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 1,968 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 2,315 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 86.4700% | 129 |
| Net loans and leases to deposits | 99.1995% | 472 |
| Net loans and leases to core deposits | 123.7258% | 306 |
| Total domestic deposits to total assets | 87.1700% | 2,338 |
| Equity capital to assets | 12.5105% | 803 |
| Core capital (leverage) ratio | 13.1451% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2526% | 1,089 |
| Memoranda: | ||
| Average total assets | $152,244,000 | 3,420 |
| Average earning assets | $147,984,000 | 3,343 |
| Average equity | $19,042,200 | 3,033 |
| Average total loans | $124,243,000 | 2,887 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 446 |
| Cost of funding earning assets | 0.3774% | 1,460 |
| Net interest margin | 4.1982% | 422 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.8673% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2133% | 1,652 |
| Return on assets (ROA) | 1.2133% | 1,629 |
| Pretax return on assets | 1.5358% | 1,308 |
| Return on Equity (ROE) | 9.7000% | 2,814 |
| Retained earnings to average equity (ytd only) | 9.7014% | 1,431 |
| Net charge-offs to loans | -0.0067% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.1200% | 2,396 |
| Assets per employee ($millions) | 6.0489% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,577 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 2,351 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 83.7600% | 265 |
| Net loans and leases to deposits | 96.3585% | 541 |
| Net loans and leases to core deposits | 103.5470% | 670 |
| Total domestic deposits to total assets | 86.9300% | 2,787 |
| Equity capital to assets | 12.8983% | 688 |
| Core capital (leverage) ratio | 12.9129% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4299% | 928 |
| Memoranda: | ||
| Average total assets | $150,104,750 | 3,465 |
| Average earning assets | $145,900,500 | 3,387 |
| Average equity | $18,773,500 | 3,087 |
| Average total loans | $120,088,750 | 2,922 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3174% | 516 |
| Cost of funding earning assets | 0.3396% | 1,366 |
| Net interest margin | 3.9777% | 517 |
| Noninterest income to average assets | 0.3419% | 3,110 |
| Noninterest expense to average assets | 2.8825% | 1,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0459% | 1,992 |
| Return on assets (ROA) | 1.0459% | 1,958 |
| Pretax return on assets | 1.3237% | 1,667 |
| Return on Equity (ROE) | 8.4513% | 2,882 |
| Retained earnings to average equity (ytd only) | 8.4513% | 1,458 |
| Net charge-offs to loans | -0.0102% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5297% | 2,170 |
| Assets per employee ($millions) | 5.6656% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 2,382 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 80.5220% | 368 |
| Net loans and leases to deposits | 92.5630% | 577 |
| Net loans and leases to core deposits | 99.1101% | 704 |
| Total domestic deposits to total assets | 86.9916% | 2,943 |
| Equity capital to assets | 12.8461% | 689 |
| Core capital (leverage) ratio | 12.4936% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2911% | 813 |
| Memoranda: | ||
| Average total assets | $149,732,333 | 3,500 |
| Average earning assets | $145,459,333 | 3,442 |
| Average equity | $18,529,667 | 3,183 |
| Average total loans | $117,291,333 | 2,972 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 456 |
| Cost of funding earning assets | 0.3356% | 1,318 |
| Net interest margin | 3.9452% | 453 |
| Noninterest income to average assets | 0.4611% | 2,351 |
| Noninterest expense to average assets | 2.9997% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0229% | 1,791 |
| Return on assets (ROA) | 1.0229% | 1,780 |
| Pretax return on assets | 1.2932% | 1,529 |
| Return on Equity (ROE) | 8.4220% | 2,545 |
| Retained earnings to average equity (ytd only) | 8.4220% | 1,450 |
| Net charge-offs to loans | -0.0173% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8765% | 2,248 |
| Assets per employee ($millions) | 5.4249% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,568 |
| Loan loss allowance to noncurrent loans | 455.0251% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 1,360 |
| Noncurrent loans to loans | 0.3279% | 2,306 |
| Net loans and leases to total assets | 78.7068% | 321 |
| Net loans and leases to deposits | 89.7829% | 525 |
| Net loans and leases to core deposits | 95.4013% | 678 |
| Total domestic deposits to total assets | 87.6634% | 2,681 |
| Equity capital to assets | 12.1963% | 886 |
| Core capital (leverage) ratio | 12.0821% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8396% | 1,071 |
| Memoranda: | ||
| Average total assets | $150,946,000 | 3,504 |
| Average earning assets | $146,607,000 | 3,442 |
| Average equity | $18,333,000 | 3,294 |
| Average total loans | $115,724,500 | 2,987 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 603 |
| Cost of funding earning assets | 0.4325% | 1,309 |
| Net interest margin | 4.0661% | 630 |
| Noninterest income to average assets | 0.8895% | 1,236 |
| Noninterest expense to average assets | 3.0655% | 896 |
| Loan and lease loss provision to assets | 0.0103% | 2,875 |
| Net operating income to assets | 1.3799% | 1,347 |
| Return on assets (ROA) | 1.3799% | 1,397 |
| Pretax return on assets | 1.7467% | 1,032 |
| Return on Equity (ROE) | 10.7255% | 2,265 |
| Retained earnings to average equity (ytd only) | 10.7255% | 759 |
| Net charge-offs to loans | -0.0327% | 4,159 |
| Credit loss provision to net charge-offs | -40.5405% | 3,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5664% | 2,631 |
| Assets per employee ($millions) | 5.7690% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 1,174 |
| Loan loss allowance to noncurrent loans | 437.2881% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 1,418 |
| Noncurrent loans to loans | 0.3752% | 2,240 |
| Net loans and leases to total assets | 72.1882% | 829 |
| Net loans and leases to deposits | 82.3369% | 1,034 |
| Net loans and leases to core deposits | 87.7875% | 1,087 |
| Total domestic deposits to total assets | 87.6742% | 2,213 |
| Equity capital to assets | 12.0938% | 1,214 |
| Core capital (leverage) ratio | 11.4464% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2670% | 856 |
| Memoranda: | ||
| Average total assets | $145,586,600 | 3,528 |
| Average earning assets | $140,823,200 | 3,463 |
| Average equity | $18,731,000 | 3,324 |
| Average total loans | $113,125,600 | 3,022 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 625 |
| Cost of funding earning assets | 0.4511% | 1,348 |
| Net interest margin | 4.0901% | 667 |
| Noninterest income to average assets | 0.7585% | 1,646 |
| Noninterest expense to average assets | 2.8791% | 1,165 |
| Loan and lease loss provision to assets | 0.0138% | 2,718 |
| Net operating income to assets | 1.4340% | 1,433 |
| Return on assets (ROA) | 1.4340% | 1,504 |
| Pretax return on assets | 1.8151% | 1,129 |
| Return on Equity (ROE) | 10.9750% | 2,374 |
| Retained earnings to average equity (ytd only) | 10.9750% | 1,070 |
| Net charge-offs to loans | -0.0386% | 4,241 |
| Credit loss provision to net charge-offs | -45.4545% | 3,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1525% | 2,809 |
| Assets per employee ($millions) | 6.2999% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 1,290 |
| Loan loss allowance to noncurrent loans | 421.0280% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 1,269 |
| Noncurrent loans to loans | 0.3844% | 2,406 |
| Net loans and leases to total assets | 72.4401% | 828 |
| Net loans and leases to deposits | 83.5613% | 992 |
| Net loans and leases to core deposits | 89.2314% | 1,080 |
| Total domestic deposits to total assets | 86.6910% | 2,467 |
| Equity capital to assets | 13.1086% | 954 |
| Core capital (leverage) ratio | 13.0338% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4822% | 753 |
| Memoranda: | ||
| Average total assets | $144,484,750 | 3,574 |
| Average earning assets | $139,520,500 | 3,512 |
| Average equity | $18,878,750 | 3,352 |
| Average total loans | $113,886,000 | 3,052 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 673 |
| Cost of funding earning assets | 0.4953% | 1,228 |
| Net interest margin | 4.0573% | 746 |
| Noninterest income to average assets | 0.1968% | 4,213 |
| Noninterest expense to average assets | 2.8289% | 1,294 |
| Loan and lease loss provision to assets | 0.0211% | 2,549 |
| Net operating income to assets | 0.9969% | 2,897 |
| Return on assets (ROA) | 0.9969% | 2,978 |
| Pretax return on assets | 1.2626% | 2,732 |
| Return on Equity (ROE) | 7.6380% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.6380% | 2,213 |
| Net charge-offs to loans | -0.0558% | 4,423 |
| Credit loss provision to net charge-offs | -46.8750% | 2,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7863% | 1,783 |
| Assets per employee ($millions) | 6.1303% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 1,392 |
| Loan loss allowance to noncurrent loans | 407.4661% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6560% | 1,271 |
| Noncurrent loans to loans | 0.3826% | 2,532 |
| Net loans and leases to total assets | 80.6471% | 278 |
| Net loans and leases to deposits | 93.3603% | 481 |
| Net loans and leases to core deposits | 99.7229% | 668 |
| Total domestic deposits to total assets | 86.3827% | 2,600 |
| Equity capital to assets | 13.4584% | 828 |
| Core capital (leverage) ratio | 12.5499% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3032% | 910 |
| Memoranda: | ||
| Average total assets | $142,247,000 | 3,609 |
| Average earning assets | $137,283,000 | 3,547 |
| Average equity | $18,565,000 | 3,377 |
| Average total loans | $114,738,000 | 3,056 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 746 |
| Cost of funding earning assets | 0.5920% | 908 |
| Net interest margin | 3.9352% | 929 |
| Noninterest income to average assets | 0.1596% | 4,402 |
| Noninterest expense to average assets | 2.8333% | 1,296 |
| Loan and lease loss provision to assets | 0.0420% | 2,224 |
| Net operating income to assets | 0.8539% | 3,257 |
| Return on assets (ROA) | 0.8539% | 3,340 |
| Pretax return on assets | 1.0807% | 3,161 |
| Return on Equity (ROE) | 6.6451% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.6451% | 2,681 |
| Net charge-offs to loans | -0.0035% | 3,264 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6207% | 1,536 |
| Assets per employee ($millions) | 5.7492% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 1,338 |
| Loan loss allowance to noncurrent loans | 387.0897% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 1,450 |
| Noncurrent loans to loans | 0.4091% | 2,642 |
| Net loans and leases to total assets | 76.4947% | 589 |
| Net loans and leases to deposits | 87.9863% | 827 |
| Net loans and leases to core deposits | 93.7753% | 998 |
| Total domestic deposits to total assets | 86.9393% | 2,336 |
| Equity capital to assets | 12.9215% | 937 |
| Core capital (leverage) ratio | 12.1957% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2210% | 891 |
| Memoranda: | ||
| Average total assets | $142,872,000 | 3,607 |
| Average earning assets | $137,831,500 | 3,540 |
| Average equity | $18,359,500 | 3,390 |
| Average total loans | $114,351,500 | 3,071 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0561% | 440 |
| Cost of funding earning assets | 1.1470% | 340 |
| Net interest margin | 3.9091% | 1,186 |
| Noninterest income to average assets | 0.1975% | 4,291 |
| Noninterest expense to average assets | 2.6821% | 2,292 |
| Loan and lease loss provision to assets | 0.1638% | 2,326 |
| Net operating income to assets | 0.8824% | 2,771 |
| Return on assets (ROA) | 0.8824% | 2,908 |
| Pretax return on assets | 1.1169% | 2,627 |
| Return on Equity (ROE) | 7.4919% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.4919% | 1,198 |
| Net charge-offs to loans | 0.0048% | 3,176 |
| Credit loss provision to net charge-offs | 4,050.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 316.6667% | 333 |
| Efficiency ratio | 67.6816% | 2,272 |
| Assets per employee ($millions) | 5.9173% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,588 |
| Loan loss allowance to noncurrent loans | 379.6537% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 1,572 |
| Noncurrent loans to loans | 0.3949% | 2,798 |
| Net loans and leases to total assets | 81.1428% | 355 |
| Net loans and leases to deposits | 93.2745% | 703 |
| Net loans and leases to core deposits | 101.0248% | 857 |
| Total domestic deposits to total assets | 86.9936% | 1,954 |
| Equity capital to assets | 12.7782% | 1,188 |
| Core capital (leverage) ratio | 11.5835% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3753% | 1,178 |
| Memoranda: | ||
| Average total assets | $148,352,000 | 3,420 |
| Average earning assets | $142,898,000 | 3,350 |
| Average equity | $17,472,200 | 3,422 |
| Average total loans | $124,045,800 | 2,936 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0611% | 546 |
| Cost of funding earning assets | 1.2385% | 317 |
| Net interest margin | 3.8226% | 1,558 |
| Noninterest income to average assets | 0.2205% | 4,172 |
| Noninterest expense to average assets | 2.6606% | 2,361 |
| Loan and lease loss provision to assets | 0.1361% | 2,655 |
| Net operating income to assets | 0.8723% | 2,804 |
| Return on assets (ROA) | 0.8723% | 2,936 |
| Pretax return on assets | 1.1044% | 2,731 |
| Return on Equity (ROE) | 7.5590% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.5590% | 1,475 |
| Net charge-offs to loans | 0.0074% | 2,856 |
| Credit loss provision to net charge-offs | 2,185.7143% | 438 |
| Earnings coverage of net charge-offs (x) | 199.2857% | 494 |
| Efficiency ratio | 68.2015% | 2,159 |
| Assets per employee ($millions) | 6.9682% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 2,119 |
| Loan loss allowance to noncurrent loans | 354.5842% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 1,872 |
| Noncurrent loans to loans | 0.3695% | 2,960 |
| Net loans and leases to total assets | 81.7097% | 454 |
| Net loans and leases to deposits | 92.7317% | 1,018 |
| Net loans and leases to core deposits | 102.3249% | 1,011 |
| Total domestic deposits to total assets | 88.1142% | 1,168 |
| Equity capital to assets | 11.6236% | 1,921 |
| Core capital (leverage) ratio | 10.6397% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9565% | 1,514 |
| Memoranda: | ||
| Average total assets | $149,936,250 | 3,392 |
| Average earning assets | $144,364,250 | 3,317 |
| Average equity | $17,303,500 | 3,439 |
| Average total loans | $125,810,000 | 2,918 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 619 |
| Cost of funding earning assets | 1.3344% | 311 |
| Net interest margin | 3.8258% | 1,756 |
| Noninterest income to average assets | 0.1048% | 4,762 |
| Noninterest expense to average assets | 2.6745% | 2,457 |
| Loan and lease loss provision to assets | 0.1250% | 2,778 |
| Net operating income to assets | 0.7781% | 3,121 |
| Return on assets (ROA) | 0.7781% | 3,235 |
| Pretax return on assets | 0.9851% | 3,072 |
| Return on Equity (ROE) | 6.7594% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.7594% | 1,755 |
| Net charge-offs to loans | 0.0128% | 2,512 |
| Credit loss provision to net charge-offs | 1,162.5000% | 716 |
| Earnings coverage of net charge-offs (x) | 103.2500% | 690 |
| Efficiency ratio | 70.6676% | 1,865 |
| Assets per employee ($millions) | 6.3995% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,287 |
| Loan loss allowance to noncurrent loans | 339.4068% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 2,019 |
| Noncurrent loans to loans | 0.3665% | 3,093 |
| Net loans and leases to total assets | 79.4996% | 655 |
| Net loans and leases to deposits | 92.6811% | 1,076 |
| Net loans and leases to core deposits | 101.4436% | 1,152 |
| Total domestic deposits to total assets | 85.7776% | 2,101 |
| Equity capital to assets | 10.8865% | 2,433 |
| Core capital (leverage) ratio | 10.5106% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3276% | 1,685 |
| Memoranda: | ||
| Average total assets | $148,815,000 | 3,380 |
| Average earning assets | $143,134,000 | 3,309 |
| Average equity | $17,131,667 | 3,460 |
| Average total loans | $125,438,667 | 2,913 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4691% | 397 |
| Cost of funding earning assets | 1.5085% | 262 |
| Net interest margin | 3.9606% | 1,497 |
| Noninterest income to average assets | 0.1452% | 4,640 |
| Noninterest expense to average assets | 2.7704% | 2,514 |
| Loan and lease loss provision to assets | 0.1033% | 2,389 |
| Net operating income to assets | 0.8434% | 2,741 |
| Return on assets (ROA) | 0.8434% | 2,829 |
| Pretax return on assets | 1.0696% | 2,613 |
| Return on Equity (ROE) | 7.1105% | 2,897 |
| Retained earnings to average equity (ytd only) | 7.1105% | 1,498 |
| Net charge-offs to loans | -0.0129% | 4,169 |
| Credit loss provision to net charge-offs | -925.0000% | 3,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2550% | 2,312 |
| Assets per employee ($millions) | 6.0303% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,377 |
| Loan loss allowance to noncurrent loans | 319.2623% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6709% | 1,987 |
| Noncurrent loans to loans | 0.3923% | 3,078 |
| Net loans and leases to total assets | 84.8797% | 211 |
| Net loans and leases to deposits | 96.5231% | 858 |
| Net loans and leases to core deposits | 112.2736% | 743 |
| Total domestic deposits to total assets | 87.9372% | 1,137 |
| Equity capital to assets | 11.8431% | 2,185 |
| Core capital (leverage) ratio | 11.0207% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0480% | 1,889 |
| Memoranda: | ||
| Average total assets | $143,229,000 | 3,422 |
| Average earning assets | $137,352,500 | 3,350 |
| Average equity | $16,989,000 | 3,473 |
| Average total loans | $123,762,500 | 2,916 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6685% | 426 |
| Cost of funding earning assets | 1.6226% | 271 |
| Net interest margin | 4.0459% | 1,693 |
| Noninterest income to average assets | 0.2258% | 4,313 |
| Noninterest expense to average assets | 2.9544% | 2,135 |
| Loan and lease loss provision to assets | 0.1181% | 1,791 |
| Net operating income to assets | 0.8014% | 3,549 |
| Return on assets (ROA) | 0.8014% | 3,637 |
| Pretax return on assets | 1.0145% | 3,430 |
| Return on Equity (ROE) | 6.6003% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.6003% | 1,564 |
| Net charge-offs to loans | 0.0612% | 2,225 |
| Credit loss provision to net charge-offs | 227.1429% | 1,180 |
| Earnings coverage of net charge-offs (x) | 21.7857% | 1,877 |
| Efficiency ratio | 72.2878% | 1,831 |
| Assets per employee ($millions) | 5.9055% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 2,279 |
| Loan loss allowance to noncurrent loans | 302.1912% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 1,866 |
| Noncurrent loans to loans | 0.4077% | 2,977 |
| Net loans and leases to total assets | 85.8007% | 177 |
| Net loans and leases to deposits | 97.6818% | 785 |
| Net loans and leases to core deposits | 107.2249% | 1,024 |
| Total domestic deposits to total assets | 87.8369% | 1,205 |
| Equity capital to assets | 11.8802% | 2,217 |
| Core capital (leverage) ratio | 11.2281% | 2,313 |
| Tier 1 risk-based capital ratio | 13.4997% | 3,526 |
| Total risk-based capital ratio | 14.7508% | 3,417 |
| Memoranda: | ||
| Average total assets | $134,645,600 | 3,510 |
| Average earning assets | $128,499,000 | 3,453 |
| Average equity | $16,347,800 | 3,513 |
| Average total loans | $114,343,600 | 3,016 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6517% | 450 |
| Cost of funding earning assets | 1.6203% | 273 |
| Net interest margin | 4.0314% | 1,832 |
| Noninterest income to average assets | 0.5388% | 2,518 |
| Noninterest expense to average assets | 3.0143% | 1,936 |
| Loan and lease loss provision to assets | 0.1595% | 1,179 |
| Net operating income to assets | 0.9573% | 3,140 |
| Return on assets (ROA) | 0.9573% | 3,217 |
| Pretax return on assets | 1.2121% | 2,946 |
| Return on Equity (ROE) | 7.8394% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.8394% | 1,475 |
| Net charge-offs to loans | 0.1284% | 1,235 |
| Credit loss provision to net charge-offs | 147.2222% | 1,661 |
| Earnings coverage of net charge-offs (x) | 12.6571% | 2,343 |
| Efficiency ratio | 68.7257% | 2,300 |
| Assets per employee ($millions) | 5.6346% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,037 |
| Loan loss allowance to noncurrent loans | 292.8713% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.9732% | 1,385 |
| Noncurrent loans to loans | 0.4386% | 2,995 |
| Net loans and leases to total assets | 84.0553% | 346 |
| Net loans and leases to deposits | 96.2391% | 990 |
| Net loans and leases to core deposits | 104.6166% | 1,289 |
| Total domestic deposits to total assets | 87.3401% | 1,349 |
| Equity capital to assets | 12.3589% | 2,004 |
| Core capital (leverage) ratio | 11.3455% | 2,344 |
| Tier 1 risk-based capital ratio | 14.1235% | 3,270 |
| Total risk-based capital ratio | 15.3753% | 3,171 |
| Memoranda: | ||
| Average total assets | $132,874,000 | 3,562 |
| Average earning assets | $126,801,500 | 3,510 |
| Average equity | $16,225,250 | 3,555 |
| Average total loans | $112,148,500 | 3,083 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5857% | 481 |
| Cost of funding earning assets | 1.6014% | 265 |
| Net interest margin | 3.9843% | 1,967 |
| Noninterest income to average assets | 0.3452% | 3,623 |
| Noninterest expense to average assets | 2.9586% | 2,113 |
| Loan and lease loss provision to assets | 0.0893% | 2,057 |
| Net operating income to assets | 0.8646% | 3,416 |
| Return on assets (ROA) | 0.8646% | 3,480 |
| Pretax return on assets | 1.0947% | 3,249 |
| Return on Equity (ROE) | 7.1097% | 3,636 |
| Retained earnings to average equity (ytd only) | 7.1097% | 1,757 |
| Net charge-offs to loans | -0.0144% | 4,435 |
| Credit loss provision to net charge-offs | -737.5000% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4181% | 2,001 |
| Assets per employee ($millions) | 5.4474% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,691 |
| Loan loss allowance to noncurrent loans | 231.0665% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0706% | 1,276 |
| Noncurrent loans to loans | 0.5981% | 2,478 |
| Net loans and leases to total assets | 78.3354% | 1,158 |
| Net loans and leases to deposits | 89.2855% | 1,827 |
| Net loans and leases to core deposits | 97.2595% | 1,950 |
| Total domestic deposits to total assets | 87.7358% | 1,231 |
| Equity capital to assets | 11.9910% | 2,188 |
| Core capital (leverage) ratio | 11.0025% | 2,599 |
| Tier 1 risk-based capital ratio | 14.5091% | 3,065 |
| Total risk-based capital ratio | 15.7620% | 2,983 |
| Memoranda: | ||
| Average total assets | $132,088,670 | 3,597 |
| Average earning assets | $125,893,670 | 3,537 |
| Average equity | $16,062,670 | 3,572 |
| Average total loans | $111,149,000 | 3,115 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5676% | 459 |
| Cost of funding earning assets | 1.5302% | 297 |
| Net interest margin | 4.0374% | 1,720 |
| Noninterest income to average assets | 0.6429% | 1,844 |
| Noninterest expense to average assets | 3.0452% | 1,861 |
| Loan and lease loss provision to assets | 0.1077% | 1,648 |
| Net operating income to assets | 1.0489% | 2,665 |
| Return on assets (ROA) | 1.0489% | 2,704 |
| Pretax return on assets | 1.3288% | 2,337 |
| Return on Equity (ROE) | 8.5630% | 3,008 |
| Retained earnings to average equity (ytd only) | 8.5630% | 1,462 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9478% | 2,648 |
| Assets per employee ($millions) | 5.6890% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,149 |
| Loan loss allowance to noncurrent loans | 273.9700% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0279% | 1,360 |
| Noncurrent loans to loans | 0.4702% | 2,906 |
| Net loans and leases to total assets | 85.6848% | 213 |
| Net loans and leases to deposits | 98.0001% | 789 |
| Net loans and leases to core deposits | 111.7027% | 848 |
| Total domestic deposits to total assets | 87.4334% | 1,600 |
| Equity capital to assets | 12.3044% | 1,845 |
| Core capital (leverage) ratio | 11.1131% | 2,463 |
| Tier 1 risk-based capital ratio | 13.7258% | 3,480 |
| Total risk-based capital ratio | 14.9780% | 3,390 |
| Memoranda: | ||
| Average total assets | $130,040,500 | 3,659 |
| Average earning assets | $123,643,000 | 3,603 |
| Average equity | $15,929,000 | 3,589 |
| Average total loans | $112,635,500 | 3,120 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4785% | 423 |
| Cost of funding earning assets | 1.1403% | 433 |
| Net interest margin | 4.3383% | 1,071 |
| Noninterest income to average assets | 0.4194% | 3,315 |
| Noninterest expense to average assets | 3.3124% | 1,290 |
| Loan and lease loss provision to assets | 0.1803% | 1,090 |
| Net operating income to assets | 0.8170% | 3,738 |
| Return on assets (ROA) | 0.8170% | 3,741 |
| Pretax return on assets | 1.0336% | 3,497 |
| Return on Equity (ROE) | 6.6993% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.6993% | 1,823 |
| Net charge-offs to loans | -0.0407% | 4,904 |
| Credit loss provision to net charge-offs | -520.9302% | 4,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1816% | 1,736 |
| Assets per employee ($millions) | 5.1694% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 2,161 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 85.3212% | 284 |
| Net loans and leases to deposits | 99.2422% | 799 |
| Net loans and leases to core deposits | 113.4555% | 802 |
| Total domestic deposits to total assets | 85.9727% | 2,245 |
| Equity capital to assets | 12.1934% | 1,762 |
| Core capital (leverage) ratio | 11.1318% | 2,413 |
| Tier 1 risk-based capital ratio | 13.4420% | 3,583 |
| Total risk-based capital ratio | 14.6942% | 3,483 |
| Memoranda: | ||
| Average total assets | $124,229,200 | 3,725 |
| Average earning assets | $117,604,600 | 3,684 |
| Average equity | $15,150,800 | 3,624 |
| Average total loans | $105,645,400 | 3,205 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4107% | 436 |
| Cost of funding earning assets | 1.0874% | 421 |
| Net interest margin | 4.3233% | 1,066 |
| Noninterest income to average assets | 0.1453% | 5,051 |
| Noninterest expense to average assets | 3.4173% | 1,094 |
| Loan and lease loss provision to assets | 0.0260% | 3,496 |
| Net operating income to assets | 0.6223% | 4,442 |
| Return on assets (ROA) | 0.6223% | 4,454 |
| Pretax return on assets | 0.7925% | 4,317 |
| Return on Equity (ROE) | 5.1024% | 4,526 |
| Retained earnings to average equity (ytd only) | 5.1024% | 3,180 |
| Net charge-offs to loans | -0.1511% | 5,251 |
| Credit loss provision to net charge-offs | -20.3390% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6757% | 886 |
| Assets per employee ($millions) | 4.6787% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 2,580 |
| Loan loss allowance to noncurrent loans | 1,888.4058% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 1,595 |
| Noncurrent loans to loans | 0.0640% | 4,600 |
| Net loans and leases to total assets | 84.3070% | 419 |
| Net loans and leases to deposits | 96.2399% | 1,126 |
| Net loans and leases to core deposits | 107.5106% | 1,198 |
| Total domestic deposits to total assets | 87.6009% | 1,442 |
| Equity capital to assets | 12.1260% | 1,821 |
| Core capital (leverage) ratio | 10.9563% | 2,623 |
| Tier 1 risk-based capital ratio | 13.3801% | 3,690 |
| Total risk-based capital ratio | 14.6311% | 3,616 |
| Memoranda: | ||
| Average total assets | $122,978,000 | 3,785 |
| Average earning assets | $116,358,250 | 3,748 |
| Average equity | $14,999,000 | 3,663 |
| Average total loans | $104,133,750 | 3,254 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2830% | 486 |
| Cost of funding earning assets | 1.0771% | 323 |
| Net interest margin | 4.2059% | 1,279 |
| Noninterest income to average assets | 0.1428% | 5,103 |
| Noninterest expense to average assets | 3.4531% | 1,067 |
| Loan and lease loss provision to assets | 0.0394% | 3,117 |
| Net operating income to assets | 0.4924% | 4,765 |
| Return on assets (ROA) | 0.4924% | 4,769 |
| Pretax return on assets | 0.6302% | 4,682 |
| Return on Equity (ROE) | 4.0288% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.0288% | 3,606 |
| Net charge-offs to loans | -0.2235% | 5,346 |
| Credit loss provision to net charge-offs | -20.8696% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7580% | 698 |
| Assets per employee ($millions) | 4.3021% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 1,649 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.2987% | 680 |
| Net loans and leases to deposits | 94.3030% | 1,326 |
| Net loans and leases to core deposits | 105.6222% | 1,266 |
| Total domestic deposits to total assets | 87.2705% | 1,734 |
| Equity capital to assets | 12.4888% | 1,541 |
| Core capital (leverage) ratio | 10.7377% | 2,763 |
| Tier 1 risk-based capital ratio | 14.1442% | 3,290 |
| Total risk-based capital ratio | 15.3960% | 3,205 |
| Memoranda: | ||
| Average total assets | $121,862,670 | 3,827 |
| Average earning assets | $115,313,670 | 3,787 |
| Average equity | $14,892,670 | 3,692 |
| Average total loans | $102,910,670 | 3,288 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 425 |
| Cost of funding earning assets | 1.0546% | 291 |
| Net interest margin | 4.2218% | 1,121 |
| Noninterest income to average assets | 0.1305% | 5,211 |
| Noninterest expense to average assets | 3.4333% | 1,108 |
| Loan and lease loss provision to assets | 0.0783% | 2,206 |
| Net operating income to assets | 0.4765% | 4,750 |
| Return on assets (ROA) | 0.4765% | 4,753 |
| Pretax return on assets | 0.6168% | 4,649 |
| Return on Equity (ROE) | 3.9414% | 4,773 |
| Retained earnings to average equity (ytd only) | 3.9414% | 3,613 |
| Net charge-offs to loans | -0.4186% | 5,483 |
| Credit loss provision to net charge-offs | -22.0183% | 3,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1621% | 853 |
| Assets per employee ($millions) | 4.4065% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 1,776 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 83.9659% | 442 |
| Net loans and leases to deposits | 95.6910% | 1,065 |
| Net loans and leases to core deposits | 107.6611% | 1,146 |
| Total domestic deposits to total assets | 87.7469% | 1,764 |
| Equity capital to assets | 12.0683% | 1,734 |
| Core capital (leverage) ratio | 10.4924% | 2,951 |
| Tier 1 risk-based capital ratio | 13.2139% | 3,840 |
| Total risk-based capital ratio | 14.4652% | 3,732 |
| Memoranda: | ||
| Average total assets | $122,564,000 | 3,859 |
| Average earning assets | $116,063,500 | 3,811 |
| Average equity | $14,817,000 | 3,734 |
| Average total loans | $104,147,500 | 3,287 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 659 |
| Cost of funding earning assets | 0.9302% | 321 |
| Net interest margin | 4.0595% | 1,565 |
| Noninterest income to average assets | 0.2293% | 4,771 |
| Noninterest expense to average assets | 3.1704% | 1,678 |
| Loan and lease loss provision to assets | 0.0358% | 3,551 |
| Net operating income to assets | 1.6312% | 611 |
| Return on assets (ROA) | 1.6312% | 631 |
| Pretax return on assets | 0.8838% | 3,964 |
| Return on Equity (ROE) | 14.1001% | 745 |
| Retained earnings to average equity (ytd only) | 14.1001% | 104 |
| Net charge-offs to loans | 0.0498% | 2,791 |
| Credit loss provision to net charge-offs | 84.0000% | 2,884 |
| Earnings coverage of net charge-offs (x) | 21.5800% | 1,893 |
| Efficiency ratio | 77.5161% | 1,424 |
| Assets per employee ($millions) | 4.8699% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 1,722 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 83.9791% | 446 |
| Net loans and leases to deposits | 97.1199% | 983 |
| Net loans and leases to core deposits | 108.4612% | 1,100 |
| Total domestic deposits to total assets | 86.4695% | 2,240 |
| Equity capital to assets | 12.1104% | 1,756 |
| Core capital (leverage) ratio | 10.7515% | 2,590 |
| Tier 1 risk-based capital ratio | 13.2608% | 3,756 |
| Total risk-based capital ratio | 14.4939% | 3,692 |
| Memoranda: | ||
| Average total assets | $117,336,600 | 3,939 |
| Average earning assets | $111,588,800 | 3,890 |
| Average equity | $13,574,400 | 3,905 |
| Average total loans | $100,320,800 | 3,343 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 718 |
| Cost of funding earning assets | 0.9180% | 318 |
| Net interest margin | 4.0069% | 1,674 |
| Noninterest income to average assets | 0.2030% | 4,997 |
| Noninterest expense to average assets | 3.1247% | 1,738 |
| Loan and lease loss provision to assets | 0.0115% | 3,913 |
| Net operating income to assets | 1.1104% | 2,042 |
| Return on assets (ROA) | 1.1104% | 2,102 |
| Pretax return on assets | 0.8821% | 4,097 |
| Return on Equity (ROE) | 9.7171% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.7171% | 647 |
| Net charge-offs to loans | 0.0670% | 2,166 |
| Credit loss provision to net charge-offs | 20.0000% | 3,160 |
| Earnings coverage of net charge-offs (x) | 15.5788% | 2,218 |
| Efficiency ratio | 77.7619% | 1,360 |
| Assets per employee ($millions) | 5.0515% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,326 |
| Loan loss allowance to noncurrent loans | 1,764.0625% | 367 |
| Noncurrent assets plus other real estate owned to assets | 1.1310% | 1,460 |
| Noncurrent loans to loans | 0.0639% | 4,821 |
| Net loans and leases to total assets | 85.2012% | 321 |
| Net loans and leases to deposits | 96.8876% | 1,017 |
| Net loans and leases to core deposits | 106.8671% | 1,209 |
| Total domestic deposits to total assets | 87.9382% | 1,399 |
| Equity capital to assets | 11.8759% | 2,051 |
| Core capital (leverage) ratio | 10.7368% | 2,719 |
| Tier 1 risk-based capital ratio | 13.1872% | 3,883 |
| Total risk-based capital ratio | 14.4046% | 3,812 |
| Memoranda: | ||
| Average total assets | $116,234,000 | 3,996 |
| Average earning assets | $110,672,250 | 3,939 |
| Average equity | $13,282,000 | 3,986 |
| Average total loans | $99,550,250 | 3,385 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 773 |
| Cost of funding earning assets | 0.8961% | 313 |
| Net interest margin | 3.9529% | 1,764 |
| Noninterest income to average assets | 0.1222% | 5,438 |
| Noninterest expense to average assets | 3.0916% | 1,854 |
| Loan and lease loss provision to assets | 0.0172% | 3,617 |
| Net operating income to assets | 1.0064% | 2,393 |
| Return on assets (ROA) | 1.0064% | 2,434 |
| Pretax return on assets | 0.7776% | 4,349 |
| Return on Equity (ROE) | 8.9245% | 2,543 |
| Retained earnings to average equity (ytd only) | 8.9245% | 863 |
| Net charge-offs to loans | -0.2939% | 5,640 |
| Credit loss provision to net charge-offs | -6.8493% | 4,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5485% | 1,268 |
| Assets per employee ($millions) | 5.0185% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 2,126 |
| Loan loss allowance to noncurrent loans | 793.4132% | 692 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 1,589 |
| Noncurrent loans to loans | 0.1712% | 4,436 |
| Net loans and leases to total assets | 83.3563% | 505 |
| Net loans and leases to deposits | 96.6159% | 1,017 |
| Net loans and leases to core deposits | 106.8048% | 1,175 |
| Total domestic deposits to total assets | 86.2759% | 2,255 |
| Equity capital to assets | 11.6223% | 2,211 |
| Core capital (leverage) ratio | 10.7033% | 2,698 |
| Tier 1 risk-based capital ratio | 13.5941% | 3,643 |
| Total risk-based capital ratio | 14.8506% | 3,560 |
| Memoranda: | ||
| Average total assets | $116,250,330 | 4,023 |
| Average earning assets | $110,702,330 | 3,968 |
| Average equity | $13,110,000 | 4,019 |
| Average total loans | $99,360,330 | 3,409 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7789% | 785 |
| Cost of funding earning assets | 0.8983% | 286 |
| Net interest margin | 3.8806% | 1,852 |
| Noninterest income to average assets | 0.0480% | 5,731 |
| Noninterest expense to average assets | 3.0721% | 1,952 |
| Loan and lease loss provision to assets | 0.0343% | 3,099 |
| Net operating income to assets | 0.8743% | 2,885 |
| Return on assets (ROA) | 0.8743% | 2,938 |
| Pretax return on assets | 0.6446% | 4,612 |
| Return on Equity (ROE) | 7.8719% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.8719% | 1,512 |
| Net charge-offs to loans | -0.0399% | 5,078 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9013% | 1,173 |
| Assets per employee ($millions) | 4.9912% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 3,120 |
| Loan loss allowance to noncurrent loans | 1,486.2500% | 436 |
| Noncurrent assets plus other real estate owned to assets | 1.0279% | 1,767 |
| Noncurrent loans to loans | 0.0809% | 4,870 |
| Net loans and leases to total assets | 85.0797% | 280 |
| Net loans and leases to deposits | 97.1328% | 838 |
| Net loans and leases to core deposits | 108.1175% | 969 |
| Total domestic deposits to total assets | 87.5911% | 1,947 |
| Equity capital to assets | 11.3984% | 2,260 |
| Core capital (leverage) ratio | 10.1159% | 3,357 |
| Tier 1 risk-based capital ratio | 12.8801% | 4,155 |
| Total risk-based capital ratio | 14.1352% | 4,050 |
| Memoranda: | ||
| Average total assets | $116,663,000 | 4,051 |
| Average earning assets | $111,322,500 | 3,991 |
| Average equity | $12,957,500 | 4,068 |
| Average total loans | $100,271,000 | 3,416 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8094% | 873 |
| Cost of funding earning assets | 0.9108% | 275 |
| Net interest margin | 3.8986% | 1,974 |
| Noninterest income to average assets | 0.3103% | 4,513 |
| Noninterest expense to average assets | 3.2592% | 1,669 |
| Loan and lease loss provision to assets | 0.1601% | 1,540 |
| Net operating income to assets | 1.7060% | 538 |
| Return on assets (ROA) | 1.7060% | 563 |
| Pretax return on assets | 0.6415% | 4,673 |
| Return on Equity (ROE) | 16.2068% | 488 |
| Retained earnings to average equity (ytd only) | 16.2068% | 83 |
| Net charge-offs to loans | 0.1922% | 1,441 |
| Credit loss provision to net charge-offs | 97.7778% | 2,648 |
| Earnings coverage of net charge-offs (x) | 4.8944% | 3,427 |
| Efficiency ratio | 80.2599% | 1,391 |
| Assets per employee ($millions) | 5.3877% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 3,433 |
| Loan loss allowance to noncurrent loans | 638.7978% | 873 |
| Noncurrent assets plus other real estate owned to assets | 1.0824% | 1,737 |
| Noncurrent loans to loans | 0.1800% | 4,515 |
| Net loans and leases to total assets | 84.8020% | 317 |
| Net loans and leases to deposits | 96.7020% | 935 |
| Net loans and leases to core deposits | 107.2091% | 1,055 |
| Total domestic deposits to total assets | 87.6942% | 1,792 |
| Equity capital to assets | 10.8244% | 2,789 |
| Core capital (leverage) ratio | 10.3248% | 3,077 |
| Tier 1 risk-based capital ratio | 12.2906% | 4,511 |
| Total risk-based capital ratio | 13.5443% | 4,392 |
| Memoranda: | ||
| Average total assets | $109,903,400 | 4,165 |
| Average earning assets | $105,731,400 | 4,081 |
| Average equity | $11,569,200 | 4,325 |
| Average total loans | $93,645,400 | 3,505 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 850 |
| Cost of funding earning assets | 0.9192% | 265 |
| Net interest margin | 3.9053% | 1,960 |
| Noninterest income to average assets | 0.3799% | 4,067 |
| Noninterest expense to average assets | 3.3040% | 1,555 |
| Loan and lease loss provision to assets | 0.1807% | 1,227 |
| Net operating income to assets | 0.7264% | 3,717 |
| Return on assets (ROA) | 0.7264% | 3,849 |
| Pretax return on assets | 0.6596% | 4,714 |
| Return on Equity (ROE) | 6.9544% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.9544% | 1,651 |
| Net charge-offs to loans | 0.2750% | 841 |
| Credit loss provision to net charge-offs | 77.2487% | 2,701 |
| Earnings coverage of net charge-offs (x) | 3.5926% | 3,387 |
| Efficiency ratio | 79.7253% | 1,466 |
| Assets per employee ($millions) | 5.5711% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 3,288 |
| Loan loss allowance to noncurrent loans | 528.0374% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 1,693 |
| Noncurrent loans to loans | 0.2258% | 4,461 |
| Net loans and leases to total assets | 84.0569% | 408 |
| Net loans and leases to deposits | 94.9464% | 1,154 |
| Net loans and leases to core deposits | 105.8546% | 1,195 |
| Total domestic deposits to total assets | 88.5309% | 1,142 |
| Equity capital to assets | 10.3589% | 3,735 |
| Core capital (leverage) ratio | 10.2679% | 3,261 |
| Tier 1 risk-based capital ratio | 13.0295% | 4,145 |
| Total risk-based capital ratio | 14.2808% | 4,057 |
| Memoranda: | ||
| Average total assets | $107,747,000 | 4,241 |
| Average earning assets | $103,856,000 | 4,149 |
| Average equity | $11,254,000 | 4,421 |
| Average total loans | $91,635,750 | 3,560 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 876 |
| Cost of funding earning assets | 0.9137% | 272 |
| Net interest margin | 3.8906% | 2,013 |
| Noninterest income to average assets | 0.3624% | 4,170 |
| Noninterest expense to average assets | 3.3063% | 1,578 |
| Loan and lease loss provision to assets | 0.1802% | 1,212 |
| Net operating income to assets | 0.6928% | 3,825 |
| Return on assets (ROA) | 0.6928% | 3,974 |
| Pretax return on assets | 0.6252% | 4,828 |
| Return on Equity (ROE) | 6.6141% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.6141% | 1,804 |
| Net charge-offs to loans | 0.3246% | 727 |
| Credit loss provision to net charge-offs | 65.3061% | 2,519 |
| Earnings coverage of net charge-offs (x) | 2.9184% | 3,196 |
| Efficiency ratio | 80.4110% | 1,457 |
| Assets per employee ($millions) | 4.9304% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 3,281 |
| Loan loss allowance to noncurrent loans | 415.5556% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 1,617 |
| Noncurrent loans to loans | 0.2921% | 4,325 |
| Net loans and leases to total assets | 84.1844% | 405 |
| Net loans and leases to deposits | 94.1896% | 1,274 |
| Net loans and leases to core deposits | 101.8323% | 1,482 |
| Total domestic deposits to total assets | 89.3776% | 733 |
| Equity capital to assets | 10.4398% | 3,705 |
| Core capital (leverage) ratio | 10.2470% | 3,274 |
| Tier 1 risk-based capital ratio | 13.2082% | 4,069 |
| Total risk-based capital ratio | 14.4601% | 3,985 |
| Memoranda: | ||
| Average total assets | $106,522,330 | 4,302 |
| Average earning assets | $102,658,000 | 4,208 |
| Average equity | $11,158,000 | 4,467 |
| Average total loans | $90,585,330 | 3,594 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 921 |
| Cost of funding earning assets | 0.9083% | 281 |
| Net interest margin | 3.8533% | 2,085 |
| Noninterest income to average assets | 0.6215% | 2,407 |
| Noninterest expense to average assets | 3.2895% | 1,630 |
| Loan and lease loss provision to assets | 0.2084% | 935 |
| Net operating income to assets | 0.9057% | 2,725 |
| Return on assets (ROA) | 0.9057% | 2,849 |
| Pretax return on assets | 0.8375% | 4,071 |
| Return on Equity (ROE) | 8.6321% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.6321% | 1,219 |
| Net charge-offs to loans | 0.4015% | 562 |
| Credit loss provision to net charge-offs | 61.1111% | 1,975 |
| Earnings coverage of net charge-offs (x) | 3.0667% | 2,592 |
| Efficiency ratio | 75.8741% | 2,189 |
| Assets per employee ($millions) | 5.4677% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 3,319 |
| Loan loss allowance to noncurrent loans | 115.1822% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 934 |
| Noncurrent loans to loans | 1.0663% | 2,258 |
| Net loans and leases to total assets | 83.6923% | 401 |
| Net loans and leases to deposits | 95.3602% | 998 |
| Net loans and leases to core deposits | 102.7853% | 1,279 |
| Total domestic deposits to total assets | 87.7644% | 1,767 |
| Equity capital to assets | 10.2375% | 3,809 |
| Core capital (leverage) ratio | 10.3742% | 3,102 |
| Tier 1 risk-based capital ratio | 12.9386% | 4,304 |
| Total risk-based capital ratio | 14.1904% | 4,218 |
| Memoranda: | ||
| Average total assets | $105,549,000 | 4,353 |
| Average earning assets | $101,731,000 | 4,257 |
| Average equity | $11,075,000 | 4,490 |
| Average total loans | $89,660,000 | 3,626 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 1,176 |
| Cost of funding earning assets | 0.8487% | 374 |
| Net interest margin | 3.8230% | 2,292 |
| Noninterest income to average assets | -0.0383% | 6,128 |
| Noninterest expense to average assets | 3.2967% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3571% | 5,191 |
| Return on assets (ROA) | 0.3571% | 5,276 |
| Pretax return on assets | 0.3022% | 5,516 |
| Return on Equity (ROE) | 3.3856% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.3856% | 3,643 |
| Net charge-offs to loans | -0.0012% | 4,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6031% | 593 |
| Assets per employee ($millions) | 4.8450% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 2,651 |
| Loan loss allowance to noncurrent loans | 120.3077% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 2.0394% | 855 |
| Noncurrent loans to loans | 1.1251% | 2,095 |
| Net loans and leases to total assets | 84.0228% | 393 |
| Net loans and leases to deposits | 94.3400% | 1,170 |
| Net loans and leases to core deposits | 99.6468% | 1,536 |
| Total domestic deposits to total assets | 89.0638% | 1,090 |
| Equity capital to assets | 10.7671% | 3,056 |
| Core capital (leverage) ratio | 10.5668% | 2,864 |
| Tier 1 risk-based capital ratio | 13.5510% | 3,978 |
| Total risk-based capital ratio | 14.8059% | 3,908 |
| Memoranda: | ||
| Average total assets | $101,921,200 | 4,425 |
| Average earning assets | $96,966,800 | 4,372 |
| Average equity | $10,751,400 | 4,532 |
| Average total loans | $84,344,200 | 3,713 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 1,182 |
| Cost of funding earning assets | 0.8423% | 397 |
| Net interest margin | 3.8185% | 2,312 |
| Noninterest income to average assets | -0.0248% | 6,213 |
| Noninterest expense to average assets | 3.3357% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3007% | 5,447 |
| Return on assets (ROA) | 0.3007% | 5,530 |
| Pretax return on assets | 0.2615% | 5,702 |
| Return on Equity (ROE) | 2.8658% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.8658% | 4,404 |
| Net charge-offs to loans | 0.0080% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 39.9790% | 1,249 |
| Efficiency ratio | 92.7299% | 533 |
| Assets per employee ($millions) | 4.9390% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 2,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1336% | 921 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.8212% | 595 |
| Net loans and leases to deposits | 94.5813% | 1,128 |
| Net loans and leases to core deposits | 99.3584% | 1,570 |
| Total domestic deposits to total assets | 86.5089% | 2,277 |
| Equity capital to assets | 10.4339% | 3,665 |
| Core capital (leverage) ratio | 10.6413% | 2,888 |
| Tier 1 risk-based capital ratio | 13.4234% | 4,182 |
| Total risk-based capital ratio | 14.6778% | 4,104 |
| Memoranda: | ||
| Average total assets | $101,965,250 | 4,470 |
| Average earning assets | $96,720,500 | 4,419 |
| Average equity | $10,700,500 | 4,586 |
| Average total loans | $83,764,750 | 3,759 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6674% | 1,134 |
| Cost of funding earning assets | 0.8473% | 388 |
| Net interest margin | 3.8201% | 2,243 |
| Noninterest income to average assets | -0.0868% | 6,299 |
| Noninterest expense to average assets | 3.2886% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2841% | 5,485 |
| Return on assets (ROA) | 0.2841% | 5,571 |
| Pretax return on assets | 0.2446% | 5,748 |
| Return on Equity (ROE) | 2.7017% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.7017% | 4,340 |
| Net charge-offs to loans | 0.0193% | 3,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,971 |
| Efficiency ratio | 93.0765% | 569 |
| Assets per employee ($millions) | 5.0327% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 2,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2533% | 913 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 80.8938% | 684 |
| Net loans and leases to deposits | 90.7179% | 1,511 |
| Net loans and leases to core deposits | 95.5702% | 1,837 |
| Total domestic deposits to total assets | 89.1707% | 1,061 |
| Equity capital to assets | 10.6663% | 3,253 |
| Core capital (leverage) ratio | 10.1871% | 3,353 |
| Tier 1 risk-based capital ratio | 14.4743% | 3,657 |
| Total risk-based capital ratio | 15.7289% | 3,576 |
| Memoranda: | ||
| Average total assets | $101,380,330 | 4,525 |
| Average earning assets | $96,070,670 | 4,465 |
| Average equity | $10,660,000 | 4,626 |
| Average total loans | $83,009,000 | 3,799 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 1,078 |
| Cost of funding earning assets | 0.8110% | 472 |
| Net interest margin | 3.8638% | 2,017 |
| Noninterest income to average assets | -0.2241% | 6,385 |
| Noninterest expense to average assets | 3.2238% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2437% | 5,578 |
| Return on assets (ROA) | 0.2437% | 5,669 |
| Pretax return on assets | 0.2044% | 5,819 |
| Return on Equity (ROE) | 2.3348% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.3348% | 4,522 |
| Net charge-offs to loans | -0.0769% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0367% | 595 |
| Assets per employee ($millions) | 5.4331% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 2,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1438% | 1,074 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 81.8510% | 476 |
| Net loans and leases to deposits | 96.6087% | 791 |
| Net loans and leases to core deposits | 99.8794% | 1,327 |
| Total domestic deposits to total assets | 84.7243% | 3,533 |
| Equity capital to assets | 10.3198% | 3,752 |
| Core capital (leverage) ratio | 10.4349% | 3,056 |
| Tier 1 risk-based capital ratio | 14.1436% | 3,921 |
| Total risk-based capital ratio | 15.3940% | 3,846 |
| Memoranda: | ||
| Average total assets | $101,744,000 | 4,562 |
| Average earning assets | $96,174,000 | 4,499 |
| Average equity | $10,622,000 | 4,674 |
| Average total loans | $83,220,500 | 3,813 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 1,907 |
| Cost of funding earning assets | 1.0319% | 192 |
| Net interest margin | 3.4593% | 3,943 |
| Noninterest income to average assets | 0.0796% | 6,221 |
| Noninterest expense to average assets | 3.2918% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1689% | 5,828 |
| Return on assets (ROA) | 0.1689% | 5,881 |
| Pretax return on assets | 0.0291% | 6,062 |
| Return on Equity (ROE) | 1.6581% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.6581% | 4,984 |
| Net charge-offs to loans | -0.1374% | 6,190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1231% | 386 |
| Assets per employee ($millions) | 5.2768% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 2,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2871% | 1,049 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 79.3814% | 826 |
| Net loans and leases to deposits | 95.2727% | 959 |
| Net loans and leases to core deposits | 99.0134% | 1,466 |
| Total domestic deposits to total assets | 83.3202% | 3,973 |
| Equity capital to assets | 10.5636% | 3,404 |
| Core capital (leverage) ratio | 10.5745% | 2,874 |
| Tier 1 risk-based capital ratio | 15.0896% | 3,439 |
| Total risk-based capital ratio | 16.3449% | 3,386 |
| Memoranda: | ||
| Average total assets | $103,012,200 | 4,529 |
| Average earning assets | $96,522,000 | 4,495 |
| Average equity | $10,493,800 | 4,657 |
| Average total loans | $78,626,200 | 3,912 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5110% | 1,829 |
| Cost of funding earning assets | 1.0951% | 149 |
| Net interest margin | 3.4159% | 4,171 |
| Noninterest income to average assets | 0.1080% | 6,216 |
| Noninterest expense to average assets | 3.2722% | 1,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0283% | 6,112 |
| Return on assets (ROA) | 0.0283% | 6,133 |
| Pretax return on assets | 0.0283% | 6,124 |
| Return on Equity (ROE) | 0.2801% | 6,129 |
| Retained earnings to average equity (ytd only) | 0.2801% | 5,720 |
| Net charge-offs to loans | -0.1707% | 6,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1430% | 398 |
| Assets per employee ($millions) | 6.1413% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 2,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.5355% | 599 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 77.7346% | 988 |
| Net loans and leases to deposits | 93.6111% | 1,073 |
| Net loans and leases to core deposits | 96.7522% | 1,612 |
| Total domestic deposits to total assets | 83.0399% | 4,128 |
| Equity capital to assets | 10.6666% | 3,346 |
| Core capital (leverage) ratio | 10.5180% | 3,021 |
| Tier 1 risk-based capital ratio | 15.5207% | 3,304 |
| Total risk-based capital ratio | 16.7765% | 3,244 |
| Memoranda: | ||
| Average total assets | $103,700,500 | 4,555 |
| Average earning assets | $96,917,000 | 4,528 |
| Average equity | $10,469,500 | 4,697 |
| Average total loans | $78,093,000 | 3,961 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 1,758 |
| Cost of funding earning assets | 1.1681% | 101 |
| Net interest margin | 3.3544% | 4,383 |
| Noninterest income to average assets | 0.1156% | 6,220 |
| Noninterest expense to average assets | 3.2261% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0246% | 6,163 |
| Return on assets (ROA) | 0.0246% | 6,189 |
| Pretax return on assets | 0.0246% | 6,178 |
| Return on Equity (ROE) | 0.2484% | 6,182 |
| Retained earnings to average equity (ytd only) | 0.2484% | 5,618 |
| Net charge-offs to loans | 0.2248% | 1,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.1477% | 4,103 |
| Efficiency ratio | 99.2420% | 426 |
| Assets per employee ($millions) | 5.6045% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 3,933 |
| Loan loss allowance to noncurrent loans | 1,177.1084% | 455 |
| Noncurrent assets plus other real estate owned to assets | 3.6728% | 617 |
| Noncurrent loans to loans | 0.1092% | 5,688 |
| Net loans and leases to total assets | 70.4787% | 2,003 |
| Net loans and leases to deposits | 83.5700% | 2,074 |
| Net loans and leases to core deposits | 86.0991% | 2,505 |
| Total domestic deposits to total assets | 84.3350% | 3,805 |
| Equity capital to assets | 9.8342% | 4,307 |
| Core capital (leverage) ratio | 10.0902% | 3,485 |
| Tier 1 risk-based capital ratio | 15.6469% | 3,272 |
| Total risk-based capital ratio | 16.8990% | 3,213 |
| Memoranda: | ||
| Average total assets | $105,514,000 | 4,547 |
| Average earning assets | $98,617,670 | 4,508 |
| Average equity | $10,465,670 | 4,708 |
| Average total loans | $78,275,000 | 3,966 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 1,564 |
| Cost of funding earning assets | 1.1746% | 106 |
| Net interest margin | 3.4026% | 4,103 |
| Noninterest income to average assets | 0.2476% | 5,379 |
| Noninterest expense to average assets | 3.4353% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0229% | 6,179 |
| Return on assets (ROA) | 0.0229% | 6,197 |
| Pretax return on assets | 0.0229% | 6,190 |
| Return on Equity (ROE) | 0.2294% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.2294% | 5,481 |
| Net charge-offs to loans | -0.0202% | 5,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3392% | 488 |
| Assets per employee ($millions) | 5.1424% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 3,864 |
| Loan loss allowance to noncurrent loans | 1,287.9518% | 415 |
| Noncurrent assets plus other real estate owned to assets | 2.5202% | 1,261 |
| Noncurrent loans to loans | 0.1046% | 5,812 |
| Net loans and leases to total assets | 76.0987% | 992 |
| Net loans and leases to deposits | 90.8928% | 1,047 |
| Net loans and leases to core deposits | 94.7599% | 1,487 |
| Total domestic deposits to total assets | 83.7236% | 4,380 |
| Equity capital to assets | 10.1772% | 3,625 |
| Core capital (leverage) ratio | 10.0311% | 3,529 |
| Tier 1 risk-based capital ratio | 14.7686% | 3,841 |
| Total risk-based capital ratio | 16.0217% | 3,784 |
| Memoranda: | ||
| Average total assets | $105,028,000 | 4,605 |
| Average earning assets | $99,101,000 | 4,535 |
| Average equity | $10,462,500 | 4,735 |
| Average total loans | $79,399,000 | 3,956 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8456% | 1,210 |
| Cost of funding earning assets | 1.4771% | 53 |
| Net interest margin | 3.3685% | 4,408 |
| Noninterest income to average assets | 0.6770% | 2,666 |
| Noninterest expense to average assets | 4.7857% | 414 |
| Loan and lease loss provision to assets | 0.4202% | 705 |
| Net operating income to assets | -1.4007% | 6,664 |
| Return on assets (ROA) | -1.4007% | 6,663 |
| Pretax return on assets | -1.4007% | 6,656 |
| Return on Equity (ROE) | -14.1493% | 6,634 |
| Retained earnings to average equity (ytd only) | -14.1493% | 6,605 |
| Net charge-offs to loans | 0.7751% | 813 |
| Credit loss provision to net charge-offs | 69.2308% | 3,327 |
| Earnings coverage of net charge-offs (x) | -1.6154% | 5,303 |
| Efficiency ratio | 125.7669% | 145 |
| Assets per employee ($millions) | 5.3604% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 3,936 |
| Loan loss allowance to noncurrent loans | 619.1860% | 790 |
| Noncurrent assets plus other real estate owned to assets | 3.2152% | 953 |
| Noncurrent loans to loans | 0.2165% | 5,534 |
| Net loans and leases to total assets | 73.1270% | 1,499 |
| Net loans and leases to deposits | 86.6209% | 1,617 |
| Net loans and leases to core deposits | 90.1085% | 2,006 |
| Total domestic deposits to total assets | 84.4219% | 4,003 |
| Equity capital to assets | 9.7549% | 4,097 |
| Core capital (leverage) ratio | 9.7882% | 3,853 |
| Tier 1 risk-based capital ratio | 14.3671% | 4,035 |
| Total risk-based capital ratio | 15.6192% | 3,981 |
| Memoranda: | ||
| Average total assets | $107,090,000 | 4,567 |
| Average earning assets | $99,450,400 | 4,530 |
| Average equity | $10,601,200 | 4,720 |
| Average total loans | $83,865,000 | 3,830 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 1,023 |
| Cost of funding earning assets | 1.5579% | 44 |
| Net interest margin | 3.3984% | 4,294 |
| Noninterest income to average assets | 0.7970% | 2,166 |
| Noninterest expense to average assets | 5.0438% | 327 |
| Loan and lease loss provision to assets | 0.5604% | 461 |
| Net operating income to assets | -1.6613% | 6,776 |
| Return on assets (ROA) | -1.6613% | 6,777 |
| Pretax return on assets | -1.6613% | 6,771 |
| Return on Equity (ROE) | -16.7211% | 6,749 |
| Retained earnings to average equity (ytd only) | -16.7211% | 6,727 |
| Net charge-offs to loans | 1.0247% | 553 |
| Credit loss provision to net charge-offs | 68.9127% | 3,090 |
| Earnings coverage of net charge-offs (x) | -1.3538% | 5,036 |
| Efficiency ratio | 127.9217% | 135 |
| Assets per employee ($millions) | 5.0292% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 4,245 |
| Loan loss allowance to noncurrent loans | 124.3275% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 4.6462% | 631 |
| Noncurrent loans to loans | 1.0692% | 3,661 |
| Net loans and leases to total assets | 74.7067% | 1,175 |
| Net loans and leases to deposits | 89.0499% | 1,262 |
| Net loans and leases to core deposits | 91.8938% | 1,775 |
| Total domestic deposits to total assets | 83.8931% | 4,238 |
| Equity capital to assets | 10.1200% | 3,742 |
| Core capital (leverage) ratio | 10.2905% | 3,259 |
| Tier 1 risk-based capital ratio | 14.6533% | 3,980 |
| Total risk-based capital ratio | 15.9063% | 3,928 |
| Memoranda: | ||
| Average total assets | $107,060,500 | 4,613 |
| Average earning assets | $99,103,250 | 4,584 |
| Average equity | $10,637,000 | 4,767 |
| Average total loans | $84,965,500 | 3,839 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 950 |
| Cost of funding earning assets | 1.6706% | 33 |
| Net interest margin | 3.3029% | 4,569 |
| Noninterest income to average assets | 0.4947% | 3,872 |
| Noninterest expense to average assets | 5.4546% | 267 |
| Loan and lease loss provision to assets | 0.7439% | 293 |
| Net operating income to assets | -2.6520% | 6,882 |
| Return on assets (ROA) | -2.6520% | 6,885 |
| Pretax return on assets | -2.6520% | 6,879 |
| Return on Equity (ROE) | -26.8550% | 6,852 |
| Retained earnings to average equity (ytd only) | -26.8550% | 6,836 |
| Net charge-offs to loans | -0.3740% | 6,789 |
| Credit loss provision to net charge-offs | -246.9136% | 5,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.8018% | 67 |
| Assets per employee ($millions) | 5.1684% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1921% | 1,439 |
| Loan loss allowance to noncurrent loans | 74.5818% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 6.0087% | 452 |
| Noncurrent loans to loans | 2.9392% | 1,523 |
| Net loans and leases to total assets | 78.9043% | 648 |
| Net loans and leases to deposits | 94.3382% | 787 |
| Net loans and leases to core deposits | 97.1276% | 1,273 |
| Total domestic deposits to total assets | 83.6398% | 4,472 |
| Equity capital to assets | 10.2499% | 3,594 |
| Core capital (leverage) ratio | 10.0789% | 3,403 |
| Tier 1 risk-based capital ratio | 13.8545% | 4,521 |
| Total risk-based capital ratio | 15.1186% | 4,484 |
| Memoranda: | ||
| Average total assets | $107,543,000 | 4,628 |
| Average earning assets | $99,368,330 | 4,605 |
| Average equity | $10,620,000 | 4,803 |
| Average total loans | $86,633,000 | 3,804 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 864 |
| Cost of funding earning assets | 1.6659% | 37 |
| Net interest margin | 3.3478% | 4,326 |
| Noninterest income to average assets | 0.4123% | 4,370 |
| Noninterest expense to average assets | 4.1849% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.6932% | 6,736 |
| Return on assets (ROA) | -0.6932% | 6,750 |
| Pretax return on assets | -0.6932% | 6,731 |
| Return on Equity (ROE) | -7.1479% | 6,745 |
| Retained earnings to average equity (ytd only) | -7.1479% | 6,484 |
| Net charge-offs to loans | -0.0227% | 5,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.8537% | 218 |
| Assets per employee ($millions) | 5.7164% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 3,958 |
| Loan loss allowance to noncurrent loans | 55.9665% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 7.2902% | 375 |
| Noncurrent loans to loans | 2.6134% | 1,971 |
| Net loans and leases to total assets | 78.8384% | 525 |
| Net loans and leases to deposits | 93.3041% | 710 |
| Net loans and leases to core deposits | 95.1169% | 1,261 |
| Total domestic deposits to total assets | 84.4962% | 4,268 |
| Equity capital to assets | 9.7061% | 4,554 |
| Core capital (leverage) ratio | 9.6374% | 3,863 |
| Tier 1 risk-based capital ratio | 12.9103% | 5,296 |
| Total risk-based capital ratio | 14.1637% | 5,241 |
| Memoranda: | ||
| Average total assets | $109,631,000 | 4,620 |
| Average earning assets | $100,843,500 | 4,600 |
| Average equity | $10,632,500 | 4,851 |
| Average total loans | $88,255,000 | 3,780 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 999 |
| Cost of funding earning assets | 1.8795% | 42 |
| Net interest margin | 3.3815% | 4,957 |
| Noninterest income to average assets | 0.4828% | 4,022 |
| Noninterest expense to average assets | 4.0275% | 949 |
| Loan and lease loss provision to assets | 0.4452% | 1,419 |
| Net operating income to assets | -0.9517% | 6,730 |
| Return on assets (ROA) | -0.8675% | 6,722 |
| Pretax return on assets | -0.8675% | 6,695 |
| Return on Equity (ROE) | -9.1951% | 6,707 |
| Retained earnings to average equity (ytd only) | -9.1951% | 6,613 |
| Net charge-offs to loans | 0.5164% | 2,178 |
| Credit loss provision to net charge-offs | 109.2473% | 2,689 |
| Earnings coverage of net charge-offs (x) | -1.2430% | 5,779 |
| Efficiency ratio | 114.3853% | 270 |
| Assets per employee ($millions) | 6.5088% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 4,114 |
| Loan loss allowance to noncurrent loans | 38.0752% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 7.9937% | 341 |
| Noncurrent loans to loans | 3.7105% | 1,307 |
| Net loans and leases to total assets | 79.8418% | 488 |
| Net loans and leases to deposits | 94.3817% | 725 |
| Net loans and leases to core deposits | 96.1714% | 1,287 |
| Total domestic deposits to total assets | 84.5947% | 4,043 |
| Equity capital to assets | 9.6909% | 4,601 |
| Core capital (leverage) ratio | 9.6754% | 3,852 |
| Tier 1 risk-based capital ratio | 12.6415% | 5,370 |
| Total risk-based capital ratio | 13.8940% | 5,314 |
| Memoranda: | ||
| Average total assets | $114,114,800 | 4,490 |
| Average earning assets | $102,527,200 | 4,531 |
| Average equity | $10,766,600 | 4,802 |
| Average total loans | $90,052,200 | 3,746 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2383% | 1,118 |
| Cost of funding earning assets | 1.9291% | 38 |
| Net interest margin | 3.3091% | 5,357 |
| Noninterest income to average assets | 0.4638% | 4,187 |
| Noninterest expense to average assets | 4.0214% | 912 |
| Loan and lease loss provision to assets | 0.5891% | 956 |
| Net operating income to assets | -1.1909% | 6,906 |
| Return on assets (ROA) | -1.0796% | 6,907 |
| Pretax return on assets | -1.0796% | 6,886 |
| Return on Equity (ROE) | -11.5175% | 6,888 |
| Retained earnings to average equity (ytd only) | -11.5175% | 6,852 |
| Net charge-offs to loans | 0.5102% | 2,078 |
| Credit loss provision to net charge-offs | 147.2464% | 1,929 |
| Earnings coverage of net charge-offs (x) | -1.5043% | 5,619 |
| Efficiency ratio | 117.5992% | 212 |
| Assets per employee ($millions) | 6.7030% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 3,888 |
| Loan loss allowance to noncurrent loans | 35.7677% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 8.7652% | 317 |
| Noncurrent loans to loans | 4.2367% | 1,157 |
| Net loans and leases to total assets | 79.0480% | 598 |
| Net loans and leases to deposits | 93.1191% | 864 |
| Net loans and leases to core deposits | 94.5700% | 1,522 |
| Total domestic deposits to total assets | 84.8891% | 3,795 |
| Equity capital to assets | 9.4628% | 5,250 |
| Core capital (leverage) ratio | 9.4679% | 4,317 |
| Tier 1 risk-based capital ratio | 12.3717% | 5,721 |
| Total risk-based capital ratio | 13.6263% | 5,690 |
| Memoranda: | ||
| Average total assets | $114,981,000 | 4,510 |
| Average earning assets | $102,703,000 | 4,582 |
| Average equity | $10,777,500 | 4,854 |
| Average total loans | $90,162,500 | 3,784 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 1,079 |
| Cost of funding earning assets | 2.0014% | 35 |
| Net interest margin | 3.2868% | 5,484 |
| Noninterest income to average assets | 0.4873% | 4,008 |
| Noninterest expense to average assets | 3.9402% | 1,019 |
| Loan and lease loss provision to assets | 0.8810% | 538 |
| Net operating income to assets | -1.4203% | 7,005 |
| Return on assets (ROA) | -1.2539% | 6,985 |
| Pretax return on assets | -1.2539% | 6,956 |
| Return on Equity (ROE) | -13.4191% | 6,962 |
| Retained earnings to average equity (ytd only) | -13.4191% | 6,917 |
| Net charge-offs to loans | 0.5216% | 2,024 |
| Credit loss provision to net charge-offs | 217.0940% | 1,307 |
| Earnings coverage of net charge-offs (x) | -1.3291% | 5,338 |
| Efficiency ratio | 115.8593% | 258 |
| Assets per employee ($millions) | 6.6859% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 3,365 |
| Loan loss allowance to noncurrent loans | 37.0820% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 10.7768% | 225 |
| Noncurrent loans to loans | 4.4959% | 1,178 |
| Net loans and leases to total assets | 77.6828% | 762 |
| Net loans and leases to deposits | 91.5534% | 996 |
| Net loans and leases to core deposits | 93.1176% | 1,676 |
| Total domestic deposits to total assets | 84.8497% | 3,930 |
| Equity capital to assets | 9.5556% | 4,974 |
| Core capital (leverage) ratio | 9.4285% | 4,256 |
| Tier 1 risk-based capital ratio | 12.1581% | 5,826 |
| Total risk-based capital ratio | 13.4133% | 5,800 |
| Memoranda: | ||
| Average total assets | $115,324,330 | 4,523 |
| Average earning assets | $102,228,000 | 4,619 |
| Average equity | $10,775,670 | 4,865 |
| Average total loans | $89,729,330 | 3,813 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 1,281 |
| Cost of funding earning assets | 2.0565% | 36 |
| Net interest margin | 3.1587% | 5,882 |
| Noninterest income to average assets | 0.6991% | 2,666 |
| Noninterest expense to average assets | 3.6296% | 1,500 |
| Loan and lease loss provision to assets | 1.1984% | 320 |
| Net operating income to assets | -1.3361% | 7,062 |
| Return on assets (ROA) | -1.0055% | 7,014 |
| Pretax return on assets | -1.0055% | 6,980 |
| Return on Equity (ROE) | -10.8823% | 7,005 |
| Retained earnings to average equity (ytd only) | -10.8823% | 6,864 |
| Net charge-offs to loans | 0.9588% | 1,082 |
| Credit loss provision to net charge-offs | 161.8605% | 1,572 |
| Earnings coverage of net charge-offs (x) | -0.1860% | 4,431 |
| Efficiency ratio | 103.9448% | 449 |
| Assets per employee ($millions) | 7.3521% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 4,204 |
| Loan loss allowance to noncurrent loans | 33.0168% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 11.4092% | 231 |
| Noncurrent loans to loans | 4.5161% | 1,290 |
| Net loans and leases to total assets | 76.1572% | 779 |
| Net loans and leases to deposits | 89.5081% | 1,006 |
| Net loans and leases to core deposits | 90.3066% | 1,821 |
| Total domestic deposits to total assets | 85.0841% | 3,996 |
| Equity capital to assets | 9.5092% | 4,794 |
| Core capital (leverage) ratio | 9.6383% | 3,861 |
| Tier 1 risk-based capital ratio | 12.2252% | 5,806 |
| Total risk-based capital ratio | 13.4786% | 5,776 |
| Memoranda: | ||
| Average total assets | $116,156,000 | 4,539 |
| Average earning assets | $102,700,000 | 4,637 |
| Average equity | $10,733,000 | 4,879 |
| Average total loans | $89,698,000 | 3,836 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2634% | 1,821 |
| Cost of funding earning assets | 2.2287% | 50 |
| Net interest margin | 3.0348% | 6,478 |
| Noninterest income to average assets | 0.2656% | 5,621 |
| Noninterest expense to average assets | 4.4689% | 601 |
| Loan and lease loss provision to assets | 0.1056% | 5,266 |
| Net operating income to assets | -1.6236% | 6,938 |
| Return on assets (ROA) | -1.3943% | 6,904 |
| Pretax return on assets | -1.3943% | 6,868 |
| Return on Equity (ROE) | -15.4498% | 6,898 |
| Retained earnings to average equity (ytd only) | -15.4498% | 6,879 |
| Net charge-offs to loans | 0.5277% | 2,890 |
| Credit loss provision to net charge-offs | 28.0335% | 5,809 |
| Earnings coverage of net charge-offs (x) | -4.0293% | 6,353 |
| Efficiency ratio | 151.4423% | 139 |
| Assets per employee ($millions) | 5.7340% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 4,544 |
| Loan loss allowance to noncurrent loans | 33.2699% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 12.2054% | 199 |
| Noncurrent loans to loans | 4.1558% | 1,482 |
| Net loans and leases to total assets | 76.0654% | 945 |
| Net loans and leases to deposits | 89.1495% | 1,251 |
| Net loans and leases to core deposits | 89.7272% | 2,161 |
| Total domestic deposits to total assets | 85.3234% | 3,678 |
| Equity capital to assets | 8.9642% | 5,587 |
| Core capital (leverage) ratio | 8.3759% | 5,744 |
| Tier 1 risk-based capital ratio | 11.3850% | 6,235 |
| Total risk-based capital ratio | 12.6359% | 6,223 |
| Memoranda: | ||
| Average total assets | $126,877,400 | 4,231 |
| Average earning assets | $112,265,000 | 4,326 |
| Average equity | $11,450,000 | 4,670 |
| Average total loans | $90,589,000 | 3,836 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 2,026 |
| Cost of funding earning assets | 2.1880% | 63 |
| Net interest margin | 3.0632% | 6,464 |
| Noninterest income to average assets | 0.2740% | 5,655 |
| Noninterest expense to average assets | 3.8246% | 1,273 |
| Loan and lease loss provision to assets | 0.1375% | 4,718 |
| Net operating income to assets | -0.9728% | 6,877 |
| Return on assets (ROA) | -0.6280% | 6,750 |
| Pretax return on assets | -0.6280% | 6,693 |
| Return on Equity (ROE) | -6.9489% | 6,766 |
| Retained earnings to average equity (ytd only) | -6.9489% | 6,702 |
| Net charge-offs to loans | 0.4799% | 2,816 |
| Credit loss provision to net charge-offs | 40.8537% | 5,222 |
| Earnings coverage of net charge-offs (x) | -2.4817% | 6,046 |
| Efficiency ratio | 127.9437% | 242 |
| Assets per employee ($millions) | 7.9974% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 3,602 |
| Loan loss allowance to noncurrent loans | 39.1503% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 10.7870% | 308 |
| Noncurrent loans to loans | 4.1184% | 1,606 |
| Net loans and leases to total assets | 65.4757% | 3,009 |
| Net loans and leases to deposits | 76.3751% | 3,270 |
| Net loans and leases to core deposits | 77.3939% | 3,989 |
| Total domestic deposits to total assets | 85.7290% | 3,362 |
| Equity capital to assets | 9.0482% | 5,691 |
| Core capital (leverage) ratio | 8.9323% | 5,043 |
| Tier 1 risk-based capital ratio | 12.9919% | 5,104 |
| Total risk-based capital ratio | 14.2454% | 5,070 |
| Memoranda: | ||
| Average total assets | $129,927,000 | 4,197 |
| Average earning assets | $115,171,750 | 4,278 |
| Average equity | $11,742,500 | 4,633 |
| Average total loans | $91,122,750 | 3,864 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2659% | 2,005 |
| Cost of funding earning assets | 2.1973% | 72 |
| Net interest margin | 3.0686% | 6,470 |
| Noninterest income to average assets | -0.0750% | 7,276 |
| Noninterest expense to average assets | 3.6850% | 1,557 |
| Loan and lease loss provision to assets | 0.2052% | 3,871 |
| Net operating income to assets | -1.2360% | 7,012 |
| Return on assets (ROA) | -0.7214% | 6,839 |
| Pretax return on assets | -0.7214% | 6,783 |
| Return on Equity (ROE) | -7.9849% | 6,868 |
| Retained earnings to average equity (ytd only) | -7.9849% | 6,778 |
| Net charge-offs to loans | 0.0859% | 4,785 |
| Credit loss provision to net charge-offs | 335.0000% | 912 |
| Earnings coverage of net charge-offs (x) | -16.8250% | 5,839 |
| Efficiency ratio | 138.8344% | 207 |
| Assets per employee ($millions) | 7.6609% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8401% | 2,862 |
| Loan loss allowance to noncurrent loans | 21.3688% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 12.1679% | 255 |
| Noncurrent loans to loans | 8.6113% | 497 |
| Net loans and leases to total assets | 68.0334% | 2,605 |
| Net loans and leases to deposits | 79.2005% | 2,941 |
| Net loans and leases to core deposits | 80.4131% | 3,726 |
| Total domestic deposits to total assets | 85.9002% | 3,376 |
| Equity capital to assets | 8.9891% | 5,593 |
| Core capital (leverage) ratio | 8.8369% | 4,988 |
| Tier 1 risk-based capital ratio | 12.5693% | 5,273 |
| Total risk-based capital ratio | 13.8256% | 5,241 |
| Memoranda: | ||
| Average total assets | $130,583,000 | 4,215 |
| Average earning assets | $116,143,670 | 4,272 |
| Average equity | $11,797,330 | 4,615 |
| Average total loans | $93,112,000 | 3,858 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 1,348 |
| Cost of funding earning assets | 2.2188% | 85 |
| Net interest margin | 3.2626% | 5,894 |
| Noninterest income to average assets | -0.1499% | 7,407 |
| Noninterest expense to average assets | 4.2583% | 755 |
| Loan and lease loss provision to assets | 0.4099% | 2,143 |
| Net operating income to assets | -1.9303% | 7,270 |
| Return on assets (ROA) | -1.9303% | 7,269 |
| Pretax return on assets | -1.9303% | 7,242 |
| Return on Equity (ROE) | -21.3131% | 7,233 |
| Retained earnings to average equity (ytd only) | -21.3131% | 7,175 |
| Net charge-offs to loans | 0.0762% | 4,176 |
| Credit loss provision to net charge-offs | 744.4444% | 523 |
| Earnings coverage of net charge-offs (x) | -27.6111% | 5,081 |
| Efficiency ratio | 155.5307% | 139 |
| Assets per employee ($millions) | 7.9054% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 3,083 |
| Loan loss allowance to noncurrent loans | 37.6173% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 9.7254% | 431 |
| Noncurrent loans to loans | 4.7221% | 1,464 |
| Net loans and leases to total assets | 69.2472% | 2,279 |
| Net loans and leases to deposits | 80.0588% | 2,715 |
| Net loans and leases to core deposits | 81.2322% | 3,569 |
| Total domestic deposits to total assets | 86.4954% | 3,235 |
| Equity capital to assets | 8.5780% | 5,801 |
| Core capital (leverage) ratio | 8.9081% | 4,759 |
| Tier 1 risk-based capital ratio | 11.2394% | 6,319 |
| Total risk-based capital ratio | 12.4613% | 6,310 |
| Memoranda: | ||
| Average total assets | $130,756,500 | 4,239 |
| Average earning assets | $115,736,000 | 4,303 |
| Average equity | $11,842,500 | 4,590 |
| Average total loans | $94,535,500 | 3,867 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4968% | 2,299 |
| Cost of funding earning assets | 2.3121% | 200 |
| Net interest margin | 3.1847% | 6,304 |
| Noninterest income to average assets | 0.1676% | 6,530 |
| Noninterest expense to average assets | 3.7170% | 1,667 |
| Loan and lease loss provision to assets | 1.1750% | 1,342 |
| Net operating income to assets | -1.7754% | 6,990 |
| Return on assets (ROA) | -1.7754% | 7,010 |
| Pretax return on assets | -1.7754% | 6,946 |
| Return on Equity (ROE) | -18.2953% | 7,005 |
| Retained earnings to average equity (ytd only) | -18.2953% | 6,977 |
| Net charge-offs to loans | 2.3472% | 818 |
| Credit loss provision to net charge-offs | 64.4913% | 5,997 |
| Earnings coverage of net charge-offs (x) | -0.3296% | 6,380 |
| Efficiency ratio | 119.2654% | 411 |
| Assets per employee ($millions) | 7.4778% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 3,352 |
| Loan loss allowance to noncurrent loans | 39.1652% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 11.3206% | 322 |
| Noncurrent loans to loans | 4.2417% | 1,712 |
| Net loans and leases to total assets | 72.9685% | 1,881 |
| Net loans and leases to deposits | 85.8625% | 2,130 |
| Net loans and leases to core deposits | 87.0078% | 3,184 |
| Total domestic deposits to total assets | 84.9829% | 3,855 |
| Equity capital to assets | 9.5633% | 4,317 |
| Core capital (leverage) ratio | 9.2216% | 4,136 |
| Tier 1 risk-based capital ratio | 11.5563% | 5,859 |
| Total risk-based capital ratio | 12.8090% | 5,862 |
| Memoranda: | ||
| Average total assets | $135,404,000 | 4,146 |
| Average earning assets | $125,382,000 | 4,118 |
| Average equity | $13,140,000 | 4,341 |
| Average total loans | $105,105,000 | 3,649 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4620% | 2,591 |
| Cost of funding earning assets | 2.3017% | 270 |
| Net interest margin | 3.1603% | 6,453 |
| Noninterest income to average assets | -0.3656% | 7,647 |
| Noninterest expense to average assets | 2.9707% | 3,855 |
| Loan and lease loss provision to assets | 0.9650% | 1,548 |
| Net operating income to assets | -1.3384% | 7,048 |
| Return on assets (ROA) | -1.3384% | 7,073 |
| Pretax return on assets | -1.3384% | 6,990 |
| Return on Equity (ROE) | -13.7456% | 7,066 |
| Retained earnings to average equity (ytd only) | -13.7456% | 7,033 |
| Net charge-offs to loans | 2.8793% | 558 |
| Credit loss provision to net charge-offs | 42.7405% | 5,983 |
| Earnings coverage of net charge-offs (x) | -0.1654% | 6,155 |
| Efficiency ratio | 114.3764% | 460 |
| Assets per employee ($millions) | 7.0395% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,965 |
| Loan loss allowance to noncurrent loans | 13.9535% | 7,100 |
| Noncurrent assets plus other real estate owned to assets | 10.0119% | 410 |
| Noncurrent loans to loans | 7.8501% | 674 |
| Net loans and leases to total assets | 74.9348% | 1,597 |
| Net loans and leases to deposits | 87.9970% | 2,012 |
| Net loans and leases to core deposits | 90.3002% | 3,056 |
| Total domestic deposits to total assets | 85.1560% | 3,541 |
| Equity capital to assets | 9.8788% | 4,318 |
| Core capital (leverage) ratio | 9.5708% | 3,805 |
| Tier 1 risk-based capital ratio | 12.4753% | 5,007 |
| Total risk-based capital ratio | 13.5251% | 5,174 |
| Memoranda: | ||
| Average total assets | $137,474,500 | 4,154 |
| Average earning assets | $128,887,500 | 4,090 |
| Average equity | $13,385,750 | 4,354 |
| Average total loans | $107,799,750 | 3,640 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5204% | 2,440 |
| Cost of funding earning assets | 2.2928% | 347 |
| Net interest margin | 3.2276% | 6,228 |
| Noninterest income to average assets | -0.6906% | 7,773 |
| Noninterest expense to average assets | 2.8663% | 4,203 |
| Loan and lease loss provision to assets | 1.3841% | 970 |
| Net operating income to assets | -1.8945% | 7,279 |
| Return on assets (ROA) | -1.8945% | 7,289 |
| Pretax return on assets | -1.8945% | 7,210 |
| Return on Equity (ROE) | -19.5487% | 7,266 |
| Retained earnings to average equity (ytd only) | -19.5487% | 7,244 |
| Net charge-offs to loans | 4.2363% | 291 |
| Credit loss provision to net charge-offs | 41.2194% | 5,594 |
| Earnings coverage of net charge-offs (x) | -0.1520% | 5,843 |
| Efficiency ratio | 121.6646% | 391 |
| Assets per employee ($millions) | 7.4685% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 6,368 |
| Loan loss allowance to noncurrent loans | 20.1577% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 5.9436% | 996 |
| Noncurrent loans to loans | 4.9966% | 1,379 |
| Net loans and leases to total assets | 74.3892% | 1,831 |
| Net loans and leases to deposits | 86.5238% | 2,429 |
| Net loans and leases to core deposits | 89.0696% | 3,400 |
| Total domestic deposits to total assets | 85.9754% | 3,109 |
| Equity capital to assets | 9.3593% | 4,916 |
| Core capital (leverage) ratio | 9.2908% | 4,135 |
| Tier 1 risk-based capital ratio | 12.3114% | 5,030 |
| Total risk-based capital ratio | 13.3086% | 5,228 |
| Memoranda: | ||
| Average total assets | $138,715,670 | 4,163 |
| Average earning assets | $130,933,000 | 4,073 |
| Average equity | $13,443,330 | 4,338 |
| Average total loans | $109,954,330 | 3,637 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5165% | 2,509 |
| Cost of funding earning assets | 2.3083% | 425 |
| Net interest margin | 3.2082% | 6,271 |
| Noninterest income to average assets | -0.0438% | 7,725 |
| Noninterest expense to average assets | 2.7712% | 4,600 |
| Loan and lease loss provision to assets | 0.0292% | 6,385 |
| Net operating income to assets | 0.1925% | 5,714 |
| Return on assets (ROA) | 0.1925% | 5,834 |
| Pretax return on assets | 0.1925% | 5,893 |
| Return on Equity (ROE) | 1.9520% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.9520% | 4,961 |
| Net charge-offs to loans | 3.5157% | 400 |
| Credit loss provision to net charge-offs | 1.0194% | 5,121 |
| Earnings coverage of net charge-offs (x) | 0.0775% | 4,966 |
| Efficiency ratio | 92.5926% | 1,238 |
| Assets per employee ($millions) | 6.9348% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 4,811 |
| Loan loss allowance to noncurrent loans | 29.4695% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 5.9209% | 1,026 |
| Noncurrent loans to loans | 4.4907% | 1,665 |
| Net loans and leases to total assets | 79.1370% | 959 |
| Net loans and leases to deposits | 92.8210% | 1,496 |
| Net loans and leases to core deposits | 98.1858% | 2,322 |
| Total domestic deposits to total assets | 85.2576% | 3,530 |
| Equity capital to assets | 10.0205% | 3,844 |
| Core capital (leverage) ratio | 9.9626% | 3,211 |
| Tier 1 risk-based capital ratio | 12.1433% | 5,040 |
| Total risk-based capital ratio | 13.3934% | 5,013 |
| Memoranda: | ||
| Average total assets | $137,123,000 | 4,246 |
| Average earning assets | $129,793,000 | 4,153 |
| Average equity | $13,524,500 | 4,350 |
| Average total loans | $111,615,000 | 3,653 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7955% | 2,675 |
| Cost of funding earning assets | 2.4689% | 1,094 |
| Net interest margin | 3.3267% | 5,632 |
| Noninterest income to average assets | 0.1775% | 6,815 |
| Noninterest expense to average assets | 2.7583% | 5,130 |
| Loan and lease loss provision to assets | 0.7625% | 2,824 |
| Net operating income to assets | -0.1536% | 5,769 |
| Return on assets (ROA) | -0.1594% | 5,779 |
| Pretax return on assets | -0.1594% | 5,658 |
| Return on Equity (ROE) | -1.5270% | 5,780 |
| Retained earnings to average equity (ytd only) | -1.5270% | 5,394 |
| Net charge-offs to loans | 0.1529% | 5,738 |
| Credit loss provision to net charge-offs | 583.6478% | 514 |
| Earnings coverage of net charge-offs (x) | 4.6604% | 2,863 |
| Efficiency ratio | 81.9180% | 2,609 |
| Assets per employee ($millions) | 6.7776% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1813% | 1,681 |
| Loan loss allowance to noncurrent loans | 45.6636% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 4.7916% | 1,313 |
| Noncurrent loans to loans | 4.7768% | 1,450 |
| Net loans and leases to total assets | 80.8227% | 862 |
| Net loans and leases to deposits | 94.5606% | 1,520 |
| Net loans and leases to core deposits | 155.8407% | 396 |
| Total domestic deposits to total assets | 85.4719% | 3,309 |
| Equity capital to assets | 9.7019% | 4,145 |
| Core capital (leverage) ratio | 9.9954% | 3,097 |
| Tier 1 risk-based capital ratio | 11.7477% | 5,157 |
| Total risk-based capital ratio | 13.0092% | 5,112 |
| Memoranda: | ||
| Average total assets | $121,705,600 | 4,518 |
| Average earning assets | $116,693,000 | 4,382 |
| Average equity | $12,704,800 | 4,589 |
| Average total loans | $103,989,200 | 3,840 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8042% | 2,875 |
| Cost of funding earning assets | 2.4912% | 1,330 |
| Net interest margin | 3.3130% | 5,593 |
| Noninterest income to average assets | 0.1962% | 6,814 |
| Noninterest expense to average assets | 2.8201% | 4,817 |
| Loan and lease loss provision to assets | 0.5841% | 3,048 |
| Net operating income to assets | -0.0259% | 5,754 |
| Return on assets (ROA) | -0.0350% | 5,832 |
| Pretax return on assets | -0.0350% | 5,759 |
| Return on Equity (ROE) | -0.3282% | 5,830 |
| Retained earnings to average equity (ytd only) | -0.3282% | 5,298 |
| Net charge-offs to loans | 0.2458% | 4,511 |
| Credit loss provision to net charge-offs | 275.5319% | 1,536 |
| Earnings coverage of net charge-offs (x) | 2.6330% | 3,903 |
| Efficiency ratio | 83.4780% | 2,358 |
| Assets per employee ($millions) | 6.1940% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 2,041 |
| Loan loss allowance to noncurrent loans | 53.3404% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 3.7686% | 1,719 |
| Noncurrent loans to loans | 3.5586% | 2,102 |
| Net loans and leases to total assets | 79.6248% | 1,255 |
| Net loans and leases to deposits | 94.0384% | 1,877 |
| Net loans and leases to core deposits | 163.4736% | 336 |
| Total domestic deposits to total assets | 84.6727% | 3,393 |
| Equity capital to assets | 10.2795% | 3,755 |
| Core capital (leverage) ratio | 10.6274% | 2,688 |
| Tier 1 risk-based capital ratio | 12.0599% | 4,919 |
| Total risk-based capital ratio | 13.3161% | 4,856 |
| Memoranda: | ||
| Average total assets | $118,244,250 | 4,644 |
| Average earning assets | $113,570,500 | 4,494 |
| Average equity | $12,593,250 | 4,635 |
| Average total loans | $101,986,750 | 3,936 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8537% | 2,786 |
| Cost of funding earning assets | 2.4749% | 1,700 |
| Net interest margin | 3.3787% | 5,255 |
| Noninterest income to average assets | 0.2205% | 6,719 |
| Noninterest expense to average assets | 2.8539% | 4,718 |
| Loan and lease loss provision to assets | 0.8101% | 2,067 |
| Net operating income to assets | -0.1925% | 6,175 |
| Return on assets (ROA) | -0.2065% | 6,220 |
| Pretax return on assets | -0.2065% | 6,132 |
| Return on Equity (ROE) | -1.9134% | 6,209 |
| Retained earnings to average equity (ytd only) | -1.9134% | 5,715 |
| Net charge-offs to loans | 0.6489% | 2,412 |
| Credit loss provision to net charge-offs | 141.5902% | 3,290 |
| Earnings coverage of net charge-offs (x) | 1.0795% | 4,708 |
| Efficiency ratio | 82.2077% | 2,700 |
| Assets per employee ($millions) | 6.0238% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 2,149 |
| Loan loss allowance to noncurrent loans | 36.6397% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 4.3478% | 1,324 |
| Noncurrent loans to loans | 4.8022% | 1,298 |
| Net loans and leases to total assets | 83.8846% | 654 |
| Net loans and leases to deposits | 100.3356% | 1,253 |
| Net loans and leases to core deposits | 187.3181% | 170 |
| Total domestic deposits to total assets | 83.6041% | 3,965 |
| Equity capital to assets | 10.9010% | 3,016 |
| Core capital (leverage) ratio | 11.0354% | 2,374 |
| Tier 1 risk-based capital ratio | 12.3907% | 4,606 |
| Total risk-based capital ratio | 13.5771% | 4,578 |
| Memoranda: | ||
| Average total assets | $114,300,670 | 4,764 |
| Average earning assets | $109,982,330 | 4,622 |
| Average equity | $12,334,000 | 4,728 |
| Average total loans | $100,790,330 | 3,992 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9099% | 2,748 |
| Cost of funding earning assets | 2.5419% | 1,762 |
| Net interest margin | 3.3680% | 5,258 |
| Noninterest income to average assets | 0.2698% | 6,280 |
| Noninterest expense to average assets | 2.6508% | 5,218 |
| Loan and lease loss provision to assets | 0.2338% | 4,109 |
| Net operating income to assets | 0.6258% | 3,907 |
| Return on assets (ROA) | 0.6258% | 4,090 |
| Pretax return on assets | 0.6258% | 4,673 |
| Return on Equity (ROE) | 5.8318% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.8318% | 2,701 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5123% | 3,564 |
| Assets per employee ($millions) | 5.9451% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7059% | 2,127 |
| Loan loss allowance to noncurrent loans | 60.0276% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.6879% | 2,117 |
| Noncurrent loans to loans | 2.8418% | 2,299 |
| Net loans and leases to total assets | 84.2736% | 645 |
| Net loans and leases to deposits | 112.1793% | 513 |
| Net loans and leases to core deposits | 255.5026% | 58 |
| Total domestic deposits to total assets | 75.1241% | 6,687 |
| Equity capital to assets | 11.4254% | 2,637 |
| Core capital (leverage) ratio | 12.0487% | 1,877 |
| Tier 1 risk-based capital ratio | 12.7398% | 4,353 |
| Total risk-based capital ratio | 13.9937% | 4,271 |
| Memoranda: | ||
| Average total assets | $111,213,500 | 4,872 |
| Average earning assets | $107,007,000 | 4,717 |
| Average equity | $11,934,500 | 4,850 |
| Average total loans | $99,750,500 | 4,036 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7759% | 1,766 |
| Cost of funding earning assets | 3.1372% | 1,390 |
| Net interest margin | 3.6387% | 4,725 |
| Noninterest income to average assets | 0.1647% | 7,245 |
| Noninterest expense to average assets | 4.4138% | 939 |
| Loan and lease loss provision to assets | 3.0920% | 292 |
| Net operating income to assets | -3.8629% | 7,968 |
| Return on assets (ROA) | -3.8629% | 7,950 |
| Pretax return on assets | -3.8629% | 7,870 |
| Return on Equity (ROE) | -23.7941% | 7,841 |
| Retained earnings to average equity (ytd only) | -23.7941% | 7,780 |
| Net charge-offs to loans | 1.5187% | 762 |
| Credit loss provision to net charge-offs | 223.4146% | 2,131 |
| Earnings coverage of net charge-offs (x) | -0.5571% | 6,496 |
| Efficiency ratio | 121.1638% | 561 |
| Assets per employee ($millions) | 4.1410% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 1,863 |
| Loan loss allowance to noncurrent loans | 103.0154% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.5697% | 3,101 |
| Noncurrent loans to loans | 1.6657% | 3,271 |
| Net loans and leases to total assets | 92.6201% | 63 |
| Net loans and leases to deposits | 131.0227% | 197 |
| Net loans and leases to core deposits | 247.3111% | 73 |
| Total domestic deposits to total assets | 70.6902% | 7,206 |
| Equity capital to assets | 9.9338% | 4,119 |
| Core capital (leverage) ratio | 10.1723% | 3,298 |
| Tier 1 risk-based capital ratio | 10.2118% | 6,504 |
| Total risk-based capital ratio | 11.3786% | 6,462 |
| Memoranda: | ||
| Average total assets | $74,063,000 | 5,912 |
| Average earning assets | $70,795,400 | 5,787 |
| Average equity | $12,024,000 | 4,819 |
| Average total loans | $67,492,400 | 4,963 |