Home > Nantahala Bank & Trust Company > Performance and Condition Ratios
Nantahala Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 3,481 |
| Cost of funding earning assets | 1.3677% | 2,312 |
| Net interest margin | 2.9050% | 3,481 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.6909% | 1,762 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.3105% | 4,011 |
| Return on assets (ROA) | 0.3105% | 4,010 |
| Pretax return on assets | 0.4042% | 3,958 |
| Return on Equity (ROE) | 4.3600% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.3595% | 2,844 |
| Net charge-offs to loans | -0.0508% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.4389% | 594 |
| Assets per employee ($millions) | 5.2537% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 2,882 |
| Loan loss allowance to noncurrent loans | 343.0580% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 890 |
| Noncurrent loans to loans | 0.3181% | 2,045 |
| Net loans and leases to total assets | 63.5400% | 2,504 |
| Net loans and leases to deposits | 73.6082% | 2,643 |
| Net loans and leases to core deposits | 81.2680% | 2,634 |
| Total domestic deposits to total assets | 86.3300% | 1,903 |
| Equity capital to assets | 7.1106% | 3,898 |
| Core capital (leverage) ratio | 6.4680% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6701% | 2,663 |
| Memoranda: | ||
| Average total assets | $270,169,600 | 2,577 |
| Average earning assets | $251,362,200 | 2,568 |
| Average equity | $19,245,200 | 2,926 |
| Average total loans | $163,499,600 | 2,572 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 3,594 |
| Cost of funding earning assets | 1.2288% | 2,339 |
| Net interest margin | 2.9060% | 3,532 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.6412% | 1,823 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.3481% | 4,057 |
| Return on assets (ROA) | 0.3481% | 4,060 |
| Pretax return on assets | 0.4516% | 3,989 |
| Return on Equity (ROE) | 4.8800% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.8847% | 2,972 |
| Net charge-offs to loans | -0.0660% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.8937% | 674 |
| Assets per employee ($millions) | 5.0227% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 2,570 |
| Loan loss allowance to noncurrent loans | 316.3399% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 559 |
| Noncurrent loans to loans | 0.3669% | 1,919 |
| Net loans and leases to total assets | 60.7800% | 2,772 |
| Net loans and leases to deposits | 67.0940% | 3,049 |
| Net loans and leases to core deposits | 72.9002% | 3,058 |
| Total domestic deposits to total assets | 90.5900% | 777 |
| Equity capital to assets | 7.1390% | 3,548 |
| Core capital (leverage) ratio | 6.5011% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8914% | 2,639 |
| Memoranda: | ||
| Average total assets | $268,100,750 | 2,591 |
| Average earning assets | $249,455,250 | 2,581 |
| Average equity | $19,106,750 | 2,926 |
| Average total loans | $159,652,750 | 2,611 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 3,746 |
| Cost of funding earning assets | 1.0409% | 2,474 |
| Net interest margin | 2.9308% | 3,590 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.7005% | 1,645 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.4119% | 3,984 |
| Return on assets (ROA) | 0.4119% | 3,988 |
| Pretax return on assets | 0.5489% | 3,884 |
| Return on Equity (ROE) | 5.7800% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.7830% | 2,701 |
| Net charge-offs to loans | -0.0903% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.4336% | 629 |
| Assets per employee ($millions) | 5.2380% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 2,773 |
| Loan loss allowance to noncurrent loans | 416.5517% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.9924% | 475 |
| Noncurrent loans to loans | 0.2725% | 2,177 |
| Net loans and leases to total assets | 57.9400% | 2,967 |
| Net loans and leases to deposits | 64.9774% | 3,126 |
| Net loans and leases to core deposits | 70.2204% | 3,115 |
| Total domestic deposits to total assets | 89.1700% | 1,189 |
| Equity capital to assets | 7.0494% | 3,767 |
| Core capital (leverage) ratio | 6.5462% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1000% | 2,600 |
| Memoranda: | ||
| Average total assets | $267,058,667 | 2,598 |
| Average earning assets | $248,054,333 | 2,593 |
| Average equity | $19,021,333 | 2,947 |
| Average total loans | $157,272,333 | 2,624 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8734% | 3,734 |
| Cost of funding earning assets | 0.8481% | 2,544 |
| Net interest margin | 3.0253% | 3,538 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.6959% | 1,686 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 0.4175% | 4,062 |
| Return on assets (ROA) | 0.4175% | 4,004 |
| Pretax return on assets | 0.5567% | 3,913 |
| Return on Equity (ROE) | 5.8300% | 3,754 |
| Retained earnings to average equity (ytd only) | 5.8316% | 2,812 |
| Net charge-offs to loans | -0.1512% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.3351% | 578 |
| Assets per employee ($millions) | 4.9533% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 2,827 |
| Loan loss allowance to noncurrent loans | 402.9083% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 377 |
| Noncurrent loans to loans | 0.2851% | 2,126 |
| Net loans and leases to total assets | 57.9500% | 2,876 |
| Net loans and leases to deposits | 64.1379% | 3,073 |
| Net loans and leases to core deposits | 69.6116% | 2,979 |
| Total domestic deposits to total assets | 90.3600% | 1,024 |
| Equity capital to assets | 7.1172% | 3,774 |
| Core capital (leverage) ratio | 6.4605% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9920% | 2,731 |
| Memoranda: | ||
| Average total assets | $264,399,500 | 2,644 |
| Average earning assets | $245,261,500 | 2,639 |
| Average equity | $18,931,500 | 2,987 |
| Average total loans | $156,092,000 | 2,652 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4261% | 3,279 |
| Cost of funding earning assets | 0.1990% | 3,764 |
| Net interest margin | 3.2270% | 2,783 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.6615% | 1,647 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 0.5619% | 3,962 |
| Return on assets (ROA) | 0.5349% | 3,980 |
| Pretax return on assets | 0.7122% | 3,826 |
| Return on Equity (ROE) | 7.1900% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.1922% | 2,149 |
| Net charge-offs to loans | -0.1312% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.2670% | 771 |
| Assets per employee ($millions) | 4.8393% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 2,786 |
| Loan loss allowance to noncurrent loans | 376.8398% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.1863% | 322 |
| Noncurrent loans to loans | 0.2973% | 2,074 |
| Net loans and leases to total assets | 58.7900% | 2,751 |
| Net loans and leases to deposits | 67.2549% | 2,791 |
| Net loans and leases to core deposits | 68.8588% | 2,952 |
| Total domestic deposits to total assets | 87.4200% | 2,260 |
| Equity capital to assets | 7.2042% | 3,550 |
| Core capital (leverage) ratio | 6.5184% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6711% | 2,817 |
| Memoranda: | ||
| Average total assets | $248,657,400 | 2,739 |
| Average earning assets | $228,134,400 | 2,750 |
| Average equity | $18,492,200 | 3,077 |
| Average total loans | $140,974,000 | 2,715 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2843% | 3,223 |
| Cost of funding earning assets | 0.1069% | 4,230 |
| Net interest margin | 3.1773% | 2,693 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.6689% | 1,537 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 0.6529% | 3,689 |
| Return on assets (ROA) | 0.6164% | 3,753 |
| Pretax return on assets | 0.8168% | 3,539 |
| Return on Equity (ROE) | 8.2200% | 3,266 |
| Retained earnings to average equity (ytd only) | 8.2205% | 1,921 |
| Net charge-offs to loans | -0.1737% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.0461% | 996 |
| Assets per employee ($millions) | 4.5852% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,441 |
| Loan loss allowance to noncurrent loans | 371.1538% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 334 |
| Noncurrent loans to loans | 0.3279% | 2,057 |
| Net loans and leases to total assets | 54.9100% | 3,016 |
| Net loans and leases to deposits | 59.3232% | 3,256 |
| Net loans and leases to core deposits | 60.1741% | 3,369 |
| Total domestic deposits to total assets | 92.5700% | 692 |
| Equity capital to assets | 7.2438% | 3,374 |
| Core capital (leverage) ratio | 6.5853% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1636% | 2,765 |
| Memoranda: | ||
| Average total assets | $245,491,750 | 2,776 |
| Average earning assets | $224,459,000 | 2,796 |
| Average equity | $18,408,750 | 3,120 |
| Average total loans | $137,374,000 | 2,761 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1769% | 3,119 |
| Cost of funding earning assets | 0.0736% | 4,435 |
| Net interest margin | 3.1033% | 2,526 |
| Noninterest income to average assets | 0.5949% | 1,764 |
| Noninterest expense to average assets | 2.6335% | 1,545 |
| Loan and lease loss provision to assets | -0.1034% | 4,598 |
| Net operating income to assets | 0.6943% | 3,326 |
| Return on assets (ROA) | 0.6387% | 3,461 |
| Pretax return on assets | 0.8199% | 3,271 |
| Return on Equity (ROE) | 8.4165% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.4165% | 1,465 |
| Net charge-offs to loans | -0.2552% | 4,629 |
| Credit loss provision to net charge-offs | 72.2543% | 1,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9956% | 1,174 |
| Assets per employee ($millions) | 4.5932% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,425 |
| Loan loss allowance to noncurrent loans | 303.5088% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3539% | 286 |
| Noncurrent loans to loans | 0.4118% | 1,885 |
| Net loans and leases to total assets | 55.1088% | 2,842 |
| Net loans and leases to deposits | 59.6939% | 3,074 |
| Net loans and leases to core deposits | 60.6797% | 3,225 |
| Total domestic deposits to total assets | 92.3191% | 718 |
| Equity capital to assets | 7.4761% | 3,496 |
| Core capital (leverage) ratio | 6.5516% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3697% | 2,710 |
| Memoranda: | ||
| Average total assets | $241,732,333 | 2,818 |
| Average earning assets | $220,086,333 | 2,849 |
| Average equity | $18,345,000 | 3,202 |
| Average total loans | $135,586,333 | 2,791 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0772% | 3,046 |
| Cost of funding earning assets | 0.0706% | 4,443 |
| Net interest margin | 3.0065% | 2,480 |
| Noninterest income to average assets | 0.6287% | 1,570 |
| Noninterest expense to average assets | 2.5366% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6270% | 3,310 |
| Return on assets (ROA) | 0.6270% | 3,289 |
| Pretax return on assets | 0.8048% | 3,099 |
| Return on Equity (ROE) | 8.1991% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.1991% | 1,521 |
| Net charge-offs to loans | -0.3428% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9157% | 1,534 |
| Assets per employee ($millions) | 4.7225% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 2,229 |
| Loan loss allowance to noncurrent loans | 275.1914% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 1.4839% | 245 |
| Noncurrent loans to loans | 0.4821% | 1,822 |
| Net loans and leases to total assets | 54.4205% | 2,704 |
| Net loans and leases to deposits | 58.9243% | 2,996 |
| Net loans and leases to core deposits | 60.0431% | 3,143 |
| Total domestic deposits to total assets | 92.3566% | 448 |
| Equity capital to assets | 7.4178% | 3,981 |
| Core capital (leverage) ratio | 6.4612% | 4,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0252% | 2,885 |
| Memoranda: | ||
| Average total assets | $238,583,000 | 2,855 |
| Average earning assets | $215,264,000 | 2,893 |
| Average equity | $18,246,000 | 3,305 |
| Average total loans | $134,171,000 | 2,805 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6005% | 2,388 |
| Cost of funding earning assets | 0.1668% | 3,807 |
| Net interest margin | 3.4336% | 1,923 |
| Noninterest income to average assets | 0.4522% | 2,806 |
| Noninterest expense to average assets | 2.8022% | 1,358 |
| Loan and lease loss provision to assets | 0.1080% | 1,171 |
| Net operating income to assets | 2.5645% | 148 |
| Return on assets (ROA) | 2.5645% | 153 |
| Pretax return on assets | 0.6890% | 3,950 |
| Return on Equity (ROE) | 38.7198% | 32 |
| Retained earnings to average equity (ytd only) | 38.7198% | 9 |
| Net charge-offs to loans | -0.0676% | 4,443 |
| Credit loss provision to net charge-offs | -264.7727% | 3,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8579% | 960 |
| Assets per employee ($millions) | 4.4538% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,529 |
| Loan loss allowance to noncurrent loans | 230.7270% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 1.6727% | 230 |
| Noncurrent loans to loans | 0.5485% | 1,751 |
| Net loans and leases to total assets | 56.6601% | 2,520 |
| Net loans and leases to deposits | 61.6555% | 2,917 |
| Net loans and leases to core deposits | 62.9030% | 3,085 |
| Total domestic deposits to total assets | 91.8979% | 205 |
| Equity capital to assets | 7.8914% | 4,421 |
| Core capital (leverage) ratio | 6.7279% | 4,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8227% | 2,926 |
| Memoranda: | ||
| Average total assets | $215,829,600 | 2,943 |
| Average earning assets | $197,807,600 | 2,971 |
| Average equity | $14,295,000 | 3,706 |
| Average total loans | $130,084,400 | 2,854 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6556% | 2,396 |
| Cost of funding earning assets | 0.1962% | 3,644 |
| Net interest margin | 3.4593% | 1,979 |
| Noninterest income to average assets | 0.4682% | 2,758 |
| Noninterest expense to average assets | 2.8329% | 1,269 |
| Loan and lease loss provision to assets | 0.1100% | 1,104 |
| Net operating income to assets | 0.7199% | 3,722 |
| Return on assets (ROA) | 0.7199% | 3,783 |
| Pretax return on assets | 0.7199% | 4,034 |
| Return on Equity (ROE) | 11.4686% | 2,222 |
| Retained earnings to average equity (ytd only) | 11.4686% | 956 |
| Net charge-offs to loans | -0.0618% | 4,438 |
| Credit loss provision to net charge-offs | -291.6667% | 3,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3407% | 931 |
| Assets per employee ($millions) | 4.3161% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,902 |
| Loan loss allowance to noncurrent loans | 193.5680% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.9204% | 203 |
| Noncurrent loans to loans | 0.6296% | 1,735 |
| Net loans and leases to total assets | 56.5195% | 2,670 |
| Net loans and leases to deposits | 60.3193% | 3,202 |
| Net loans and leases to core deposits | 61.5302% | 3,358 |
| Total domestic deposits to total assets | 93.7006% | 17 |
| Equity capital to assets | 6.0778% | 4,884 |
| Core capital (leverage) ratio | 6.5740% | 4,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8904% | 2,989 |
| Memoranda: | ||
| Average total assets | $211,888,250 | 2,999 |
| Average earning assets | $195,678,750 | 3,024 |
| Average equity | $13,299,750 | 3,854 |
| Average total loans | $129,379,500 | 2,900 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6812% | 2,388 |
| Cost of funding earning assets | 0.2505% | 3,277 |
| Net interest margin | 3.4306% | 2,061 |
| Noninterest income to average assets | 0.3568% | 3,329 |
| Noninterest expense to average assets | 2.7857% | 1,384 |
| Loan and lease loss provision to assets | 0.1125% | 1,125 |
| Net operating income to assets | 0.6322% | 3,912 |
| Return on assets (ROA) | 0.6322% | 3,971 |
| Pretax return on assets | 0.6322% | 4,187 |
| Return on Equity (ROE) | 9.9552% | 2,756 |
| Retained earnings to average equity (ytd only) | 9.9552% | 1,406 |
| Net charge-offs to loans | -0.0528% | 4,397 |
| Credit loss provision to net charge-offs | -341.1765% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9069% | 851 |
| Assets per employee ($millions) | 3.9752% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 3,156 |
| Loan loss allowance to noncurrent loans | 58.9474% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 3.6346% | 66 |
| Noncurrent loans to loans | 1.9629% | 505 |
| Net loans and leases to total assets | 60.1717% | 2,407 |
| Net loans and leases to deposits | 64.3301% | 2,963 |
| Net loans and leases to core deposits | 66.1430% | 3,097 |
| Total domestic deposits to total assets | 93.5358% | 18 |
| Equity capital to assets | 6.2513% | 4,911 |
| Core capital (leverage) ratio | 6.5057% | 4,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8667% | 2,983 |
| Memoranda: | ||
| Average total assets | $206,267,333 | 3,050 |
| Average earning assets | $190,809,667 | 3,060 |
| Average equity | $13,098,667 | 3,884 |
| Average total loans | $128,878,000 | 2,915 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 2,866 |
| Cost of funding earning assets | 0.3757% | 2,309 |
| Net interest margin | 3.1426% | 2,864 |
| Noninterest income to average assets | 0.4315% | 2,924 |
| Noninterest expense to average assets | 2.7673% | 1,444 |
| Loan and lease loss provision to assets | 0.1148% | 1,199 |
| Net operating income to assets | 0.4474% | 4,280 |
| Return on assets (ROA) | 0.4474% | 4,316 |
| Pretax return on assets | 0.4474% | 4,426 |
| Return on Equity (ROE) | 6.9869% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.9869% | 2,583 |
| Net charge-offs to loans | -0.0625% | 4,480 |
| Credit loss provision to net charge-offs | -290.0000% | 3,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1153% | 642 |
| Assets per employee ($millions) | 3.9605% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 3,409 |
| Loan loss allowance to noncurrent loans | 54.3634% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 4.1991% | 51 |
| Noncurrent loans to loans | 2.0326% | 528 |
| Net loans and leases to total assets | 62.5341% | 2,229 |
| Net loans and leases to deposits | 67.2026% | 2,784 |
| Net loans and leases to core deposits | 69.2109% | 2,942 |
| Total domestic deposits to total assets | 93.0531% | 30 |
| Equity capital to assets | 6.2259% | 4,924 |
| Core capital (leverage) ratio | 6.6226% | 4,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5203% | 3,010 |
| Memoranda: | ||
| Average total assets | $202,071,500 | 3,075 |
| Average earning assets | $186,340,000 | 3,084 |
| Average equity | $12,938,500 | 3,909 |
| Average total loans | $127,979,000 | 2,927 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 2,229 |
| Cost of funding earning assets | 0.6850% | 1,806 |
| Net interest margin | 3.4864% | 2,511 |
| Noninterest income to average assets | 0.0955% | 4,755 |
| Noninterest expense to average assets | 3.1906% | 1,073 |
| Loan and lease loss provision to assets | 0.0848% | 3,316 |
| Net operating income to assets | -0.0768% | 4,774 |
| Return on assets (ROA) | 0.0480% | 4,735 |
| Pretax return on assets | 0.0480% | 4,731 |
| Return on Equity (ROE) | 0.6573% | 4,709 |
| Retained earnings to average equity (ytd only) | 0.6573% | 4,327 |
| Net charge-offs to loans | -0.0091% | 4,242 |
| Credit loss provision to net charge-offs | -1,363.6364% | 4,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7527% | 177 |
| Assets per employee ($millions) | 3.8115% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 3,546 |
| Loan loss allowance to noncurrent loans | 51.9862% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 4.9855% | 41 |
| Noncurrent loans to loans | 2.0822% | 535 |
| Net loans and leases to total assets | 62.7515% | 2,514 |
| Net loans and leases to deposits | 69.5938% | 2,930 |
| Net loans and leases to core deposits | 72.5517% | 3,027 |
| Total domestic deposits to total assets | 90.1683% | 501 |
| Equity capital to assets | 6.5869% | 4,951 |
| Core capital (leverage) ratio | 6.6464% | 4,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4340% | 3,035 |
| Memoranda: | ||
| Average total assets | $176,990,400 | 3,128 |
| Average earning assets | $157,528,600 | 3,191 |
| Average equity | $12,931,400 | 3,867 |
| Average total loans | $121,476,200 | 2,965 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 2,525 |
| Cost of funding earning assets | 0.6939% | 2,060 |
| Net interest margin | 3.4554% | 2,738 |
| Noninterest income to average assets | 0.1522% | 4,534 |
| Noninterest expense to average assets | 3.2935% | 912 |
| Loan and lease loss provision to assets | 0.0868% | 3,227 |
| Net operating income to assets | -0.1809% | 4,835 |
| Return on assets (ROA) | -0.0202% | 4,799 |
| Pretax return on assets | -0.0202% | 4,793 |
| Return on Equity (ROE) | -0.2687% | 4,805 |
| Retained earnings to average equity (ytd only) | -0.2687% | 4,523 |
| Net charge-offs to loans | 0.0044% | 2,993 |
| Credit loss provision to net charge-offs | 2,800.0000% | 364 |
| Earnings coverage of net charge-offs (x) | -30.2500% | 3,223 |
| Efficiency ratio | 102.9369% | 147 |
| Assets per employee ($millions) | 3.9224% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,608 |
| Loan loss allowance to noncurrent loans | 44.1444% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 6.6052% | 32 |
| Noncurrent loans to loans | 2.3135% | 479 |
| Net loans and leases to total assets | 65.9554% | 2,524 |
| Net loans and leases to deposits | 75.2399% | 2,821 |
| Net loans and leases to core deposits | 78.5599% | 2,961 |
| Total domestic deposits to total assets | 87.6601% | 1,369 |
| Equity capital to assets | 6.7363% | 4,975 |
| Core capital (leverage) ratio | 7.0219% | 4,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8263% | 2,959 |
| Memoranda: | ||
| Average total assets | $171,689,000 | 3,162 |
| Average earning assets | $151,411,750 | 3,228 |
| Average equity | $12,900,500 | 3,879 |
| Average total loans | $120,412,250 | 2,994 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 2,498 |
| Cost of funding earning assets | 0.7811% | 1,924 |
| Net interest margin | 3.5094% | 2,755 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 3.3108% | 981 |
| Loan and lease loss provision to assets | 0.0910% | 3,129 |
| Net operating income to assets | -0.3276% | 4,885 |
| Return on assets (ROA) | -0.0801% | 4,826 |
| Pretax return on assets | -0.0801% | 4,817 |
| Return on Equity (ROE) | -1.0244% | 4,844 |
| Retained earnings to average equity (ytd only) | -1.0244% | 4,480 |
| Net charge-offs to loans | 0.0034% | 2,868 |
| Credit loss provision to net charge-offs | 3,750.0000% | 288 |
| Earnings coverage of net charge-offs (x) | -97.5000% | 3,026 |
| Efficiency ratio | 107.6953% | 123 |
| Assets per employee ($millions) | 3.7867% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,558 |
| Loan loss allowance to noncurrent loans | 41.3312% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 7.8332% | 27 |
| Noncurrent loans to loans | 2.4293% | 494 |
| Net loans and leases to total assets | 70.5215% | 1,948 |
| Net loans and leases to deposits | 81.2794% | 2,283 |
| Net loans and leases to core deposits | 85.0811% | 2,517 |
| Total domestic deposits to total assets | 86.7644% | 1,709 |
| Equity capital to assets | 7.2584% | 4,932 |
| Core capital (leverage) ratio | 7.5802% | 4,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5869% | 3,069 |
| Memoranda: | ||
| Average total assets | $164,852,667 | 3,203 |
| Average earning assets | $144,410,333 | 3,288 |
| Average equity | $12,885,000 | 3,884 |
| Average total loans | $117,858,667 | 3,005 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 2,373 |
| Cost of funding earning assets | 0.8791% | 1,974 |
| Net interest margin | 3.5973% | 2,672 |
| Noninterest income to average assets | 0.0910% | 4,860 |
| Noninterest expense to average assets | 3.4999% | 940 |
| Loan and lease loss provision to assets | 0.0935% | 2,513 |
| Net operating income to assets | -0.3588% | 4,900 |
| Return on assets (ROA) | 0.1567% | 4,593 |
| Pretax return on assets | 0.1567% | 4,616 |
| Return on Equity (ROE) | 1.9272% | 4,461 |
| Retained earnings to average equity (ytd only) | 1.9272% | 3,472 |
| Net charge-offs to loans | -0.0106% | 4,098 |
| Credit loss provision to net charge-offs | -1,233.3333% | 3,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2031% | 152 |
| Assets per employee ($millions) | 3.4730% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,284 |
| Loan loss allowance to noncurrent loans | 72.4722% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 8.3300% | 28 |
| Noncurrent loans to loans | 1.4979% | 1,069 |
| Net loans and leases to total assets | 70.7205% | 2,130 |
| Net loans and leases to deposits | 83.6459% | 2,270 |
| Net loans and leases to core deposits | 88.6691% | 2,469 |
| Total domestic deposits to total assets | 84.5474% | 2,583 |
| Equity capital to assets | 8.1760% | 4,935 |
| Core capital (leverage) ratio | 8.3377% | 4,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8407% | 3,147 |
| Memoranda: | ||
| Average total assets | $158,292,000 | 3,229 |
| Average earning assets | $138,325,000 | 3,333 |
| Average equity | $12,868,500 | 3,890 |
| Average total loans | $113,396,500 | 3,039 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 2,343 |
| Cost of funding earning assets | 0.8701% | 2,331 |
| Net interest margin | 3.8250% | 2,422 |
| Noninterest income to average assets | 0.0524% | 5,034 |
| Noninterest expense to average assets | 3.3456% | 1,216 |
| Loan and lease loss provision to assets | 0.0479% | 3,068 |
| Net operating income to assets | -0.0767% | 4,999 |
| Return on assets (ROA) | -0.0767% | 5,009 |
| Pretax return on assets | -0.0767% | 5,000 |
| Return on Equity (ROE) | -1.0930% | 5,017 |
| Retained earnings to average equity (ytd only) | -1.0930% | 4,811 |
| Net charge-offs to loans | 0.0610% | 2,231 |
| Credit loss provision to net charge-offs | 111.9403% | 2,239 |
| Earnings coverage of net charge-offs (x) | -0.6716% | 3,650 |
| Efficiency ratio | 100.8671% | 150 |
| Assets per employee ($millions) | 3.4850% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,135 |
| Loan loss allowance to noncurrent loans | 71.5137% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 9.1606% | 20 |
| Noncurrent loans to loans | 1.4906% | 972 |
| Net loans and leases to total assets | 71.0159% | 2,246 |
| Net loans and leases to deposits | 84.0148% | 2,332 |
| Net loans and leases to core deposits | 89.1509% | 2,500 |
| Total domestic deposits to total assets | 84.5279% | 2,671 |
| Equity capital to assets | 8.0823% | 5,044 |
| Core capital (leverage) ratio | 8.1531% | 4,990 |
| Tier 1 risk-based capital ratio | 10.7876% | 4,933 |
| Total risk-based capital ratio | 11.7858% | 4,932 |
| Memoranda: | ||
| Average total assets | $156,475,800 | 3,230 |
| Average earning assets | $133,540,800 | 3,375 |
| Average equity | $10,979,200 | 4,129 |
| Average total loans | $109,763,400 | 3,094 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6674% | 2,510 |
| Cost of funding earning assets | 0.8573% | 2,425 |
| Net interest margin | 3.8101% | 2,559 |
| Noninterest income to average assets | 0.4570% | 2,982 |
| Noninterest expense to average assets | 3.3497% | 1,181 |
| Loan and lease loss provision to assets | 0.0477% | 2,938 |
| Net operating income to assets | 0.2916% | 4,852 |
| Return on assets (ROA) | 0.2916% | 4,871 |
| Pretax return on assets | 0.2916% | 4,913 |
| Return on Equity (ROE) | 4.3200% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.3200% | 3,235 |
| Net charge-offs to loans | -0.0452% | 4,812 |
| Credit loss provision to net charge-offs | -151.3514% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8019% | 303 |
| Assets per employee ($millions) | 3.6033% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 2,764 |
| Loan loss allowance to noncurrent loans | 66.8922% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 10.5527% | 14 |
| Noncurrent loans to loans | 1.7221% | 849 |
| Net loans and leases to total assets | 68.0045% | 2,790 |
| Net loans and leases to deposits | 80.2147% | 2,873 |
| Net loans and leases to core deposits | 84.4267% | 3,055 |
| Total domestic deposits to total assets | 84.7781% | 2,517 |
| Equity capital to assets | 8.0803% | 5,110 |
| Core capital (leverage) ratio | 8.5393% | 4,928 |
| Tier 1 risk-based capital ratio | 11.0815% | 4,873 |
| Total risk-based capital ratio | 12.1424% | 4,850 |
| Memoranda: | ||
| Average total assets | $156,388,750 | 3,266 |
| Average earning assets | $132,661,250 | 3,417 |
| Average equity | $10,555,250 | 4,222 |
| Average total loans | $109,061,750 | 3,138 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 2,508 |
| Cost of funding earning assets | 0.8458% | 2,415 |
| Net interest margin | 3.8070% | 2,567 |
| Noninterest income to average assets | 0.4791% | 2,789 |
| Noninterest expense to average assets | 3.4363% | 1,046 |
| Loan and lease loss provision to assets | 0.0492% | 2,837 |
| Net operating income to assets | 0.2046% | 4,990 |
| Return on assets (ROA) | 0.2046% | 4,998 |
| Pretax return on assets | 0.2046% | 5,019 |
| Return on Equity (ROE) | 3.2556% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.2556% | 3,595 |
| Net charge-offs to loans | -0.0924% | 4,990 |
| Credit loss provision to net charge-offs | -76.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1228% | 254 |
| Assets per employee ($millions) | 3.6431% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 2,741 |
| Loan loss allowance to noncurrent loans | 61.3027% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 11.4149% | 13 |
| Noncurrent loans to loans | 1.8922% | 786 |
| Net loans and leases to total assets | 69.6218% | 2,588 |
| Net loans and leases to deposits | 83.4119% | 2,556 |
| Net loans and leases to core deposits | 87.6208% | 2,838 |
| Total domestic deposits to total assets | 83.4675% | 3,061 |
| Equity capital to assets | 8.1817% | 5,142 |
| Core capital (leverage) ratio | 8.6848% | 4,858 |
| Tier 1 risk-based capital ratio | 10.8591% | 4,972 |
| Total risk-based capital ratio | 11.9098% | 4,962 |
| Memoranda: | ||
| Average total assets | $154,469,000 | 3,297 |
| Average earning assets | $130,286,000 | 3,474 |
| Average equity | $9,706,330 | 4,341 |
| Average total loans | $108,231,330 | 3,165 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 2,577 |
| Cost of funding earning assets | 0.8538% | 2,251 |
| Net interest margin | 3.7337% | 2,771 |
| Noninterest income to average assets | 0.5659% | 2,201 |
| Noninterest expense to average assets | 3.4712% | 1,009 |
| Loan and lease loss provision to assets | 0.0496% | 2,665 |
| Net operating income to assets | 0.1930% | 5,014 |
| Return on assets (ROA) | 0.1930% | 5,019 |
| Pretax return on assets | 0.1930% | 5,036 |
| Return on Equity (ROE) | 3.6315% | 4,656 |
| Retained earnings to average equity (ytd only) | 3.6315% | 3,466 |
| Net charge-offs to loans | -0.0709% | 4,935 |
| Credit loss provision to net charge-offs | -100.0000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4691% | 291 |
| Assets per employee ($millions) | 3.5725% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 2,925 |
| Loan loss allowance to noncurrent loans | 55.7823% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 11.9660% | 10 |
| Noncurrent loans to loans | 2.0380% | 719 |
| Net loans and leases to total assets | 69.6294% | 2,544 |
| Net loans and leases to deposits | 81.8093% | 2,625 |
| Net loans and leases to core deposits | 85.6452% | 2,895 |
| Total domestic deposits to total assets | 85.1119% | 2,641 |
| Equity capital to assets | 5.3431% | 5,349 |
| Core capital (leverage) ratio | 5.7231% | 5,346 |
| Tier 1 risk-based capital ratio | 7.1631% | 5,349 |
| Total risk-based capital ratio | 8.5689% | 5,349 |
| Memoranda: | ||
| Average total assets | $153,376,000 | 3,350 |
| Average earning assets | $129,308,000 | 3,525 |
| Average equity | $8,151,000 | 4,600 |
| Average total loans | $107,174,000 | 3,210 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 2,890 |
| Cost of funding earning assets | 0.6823% | 2,200 |
| Net interest margin | 3.6802% | 3,115 |
| Noninterest income to average assets | 0.4578% | 3,061 |
| Noninterest expense to average assets | 3.4441% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0998% | 5,182 |
| Return on assets (ROA) | 0.0998% | 5,175 |
| Pretax return on assets | 0.0998% | 5,177 |
| Return on Equity (ROE) | 1.8922% | 5,058 |
| Retained earnings to average equity (ytd only) | 1.8922% | 4,392 |
| Net charge-offs to loans | 0.1588% | 1,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.9379% | 3,666 |
| Efficiency ratio | 97.1849% | 186 |
| Assets per employee ($millions) | 3.4803% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 2,964 |
| Loan loss allowance to noncurrent loans | 57.8641% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 12.1404% | 10 |
| Noncurrent loans to loans | 1.9406% | 703 |
| Net loans and leases to total assets | 68.5430% | 2,798 |
| Net loans and leases to deposits | 80.4424% | 2,902 |
| Net loans and leases to core deposits | 83.7278% | 3,116 |
| Total domestic deposits to total assets | 85.2076% | 2,552 |
| Equity capital to assets | 5.2856% | 5,389 |
| Core capital (leverage) ratio | 5.6564% | 5,388 |
| Tier 1 risk-based capital ratio | 7.1276% | 5,395 |
| Total risk-based capital ratio | 8.5099% | 5,394 |
| Memoranda: | ||
| Average total assets | $151,362,400 | 3,370 |
| Average earning assets | $126,922,000 | 3,547 |
| Average equity | $7,980,000 | 4,610 |
| Average total loans | $101,405,800 | 3,269 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 3,021 |
| Cost of funding earning assets | 0.6573% | 2,106 |
| Net interest margin | 3.6276% | 3,274 |
| Noninterest income to average assets | 0.4188% | 3,362 |
| Noninterest expense to average assets | 3.4128% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0486% | 5,278 |
| Return on assets (ROA) | 0.0486% | 5,273 |
| Pretax return on assets | 0.0486% | 5,277 |
| Return on Equity (ROE) | 0.9222% | 5,243 |
| Retained earnings to average equity (ytd only) | 0.9222% | 4,876 |
| Net charge-offs to loans | 0.2328% | 733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 0.3143% | 3,408 |
| Efficiency ratio | 98.5962% | 169 |
| Assets per employee ($millions) | 3.4611% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 3,035 |
| Loan loss allowance to noncurrent loans | 53.6186% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 12.1433% | 13 |
| Noncurrent loans to loans | 2.1037% | 682 |
| Net loans and leases to total assets | 66.2975% | 3,146 |
| Net loans and leases to deposits | 75.2739% | 3,482 |
| Net loans and leases to core deposits | 78.0394% | 3,652 |
| Total domestic deposits to total assets | 88.0750% | 1,209 |
| Equity capital to assets | 5.1153% | 5,462 |
| Core capital (leverage) ratio | 5.5995% | 5,460 |
| Tier 1 risk-based capital ratio | 7.0977% | 5,468 |
| Total risk-based capital ratio | 8.4783% | 5,468 |
| Memoranda: | ||
| Average total assets | $150,919,750 | 3,412 |
| Average earning assets | $126,583,500 | 3,588 |
| Average equity | $7,951,500 | 4,661 |
| Average total loans | $100,218,750 | 3,323 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 2,935 |
| Cost of funding earning assets | 0.6492% | 1,927 |
| Net interest margin | 3.6035% | 3,296 |
| Noninterest income to average assets | 0.5626% | 2,508 |
| Noninterest expense to average assets | 3.4519% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1219% | 5,276 |
| Return on assets (ROA) | 0.1219% | 5,268 |
| Pretax return on assets | 0.1219% | 5,283 |
| Return on Equity (ROE) | 2.2904% | 5,140 |
| Retained earnings to average equity (ytd only) | 2.2904% | 4,364 |
| Net charge-offs to loans | -0.0789% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5892% | 216 |
| Assets per employee ($millions) | 3.4152% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 1,823 |
| Loan loss allowance to noncurrent loans | 60.5572% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 13.0232% | 10 |
| Noncurrent loans to loans | 2.2766% | 597 |
| Net loans and leases to total assets | 66.2188% | 3,112 |
| Net loans and leases to deposits | 73.8500% | 3,554 |
| Net loans and leases to core deposits | 77.0279% | 3,660 |
| Total domestic deposits to total assets | 89.6666% | 681 |
| Equity capital to assets | 5.3045% | 5,522 |
| Core capital (leverage) ratio | 5.7069% | 5,519 |
| Tier 1 risk-based capital ratio | 7.3620% | 5,529 |
| Total risk-based capital ratio | 8.9730% | 5,524 |
| Memoranda: | ||
| Average total assets | $149,310,330 | 3,446 |
| Average earning assets | $124,767,670 | 3,637 |
| Average equity | $7,946,330 | 4,704 |
| Average total loans | $98,813,330 | 3,354 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 2,937 |
| Cost of funding earning assets | 0.6352% | 1,807 |
| Net interest margin | 3.5469% | 3,356 |
| Noninterest income to average assets | 0.4972% | 2,817 |
| Noninterest expense to average assets | 3.4885% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0349% | 5,402 |
| Return on assets (ROA) | -0.0349% | 5,398 |
| Pretax return on assets | -0.0349% | 5,400 |
| Return on Equity (ROE) | -0.6554% | 5,408 |
| Retained earnings to average equity (ytd only) | -0.6554% | 4,876 |
| Net charge-offs to loans | -0.0900% | 5,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0117% | 168 |
| Assets per employee ($millions) | 3.4071% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 1,842 |
| Loan loss allowance to noncurrent loans | 55.3809% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 13.6848% | 10 |
| Noncurrent loans to loans | 2.5283% | 534 |
| Net loans and leases to total assets | 66.0417% | 3,025 |
| Net loans and leases to deposits | 74.3749% | 3,377 |
| Net loans and leases to core deposits | 78.1568% | 3,482 |
| Total domestic deposits to total assets | 88.7957% | 1,210 |
| Equity capital to assets | 5.3445% | 5,583 |
| Core capital (leverage) ratio | 5.7600% | 5,578 |
| Tier 1 risk-based capital ratio | 7.3634% | 5,592 |
| Total risk-based capital ratio | 8.9803% | 5,590 |
| Memoranda: | ||
| Average total assets | $148,830,500 | 3,482 |
| Average earning assets | $124,052,500 | 3,680 |
| Average equity | $7,934,000 | 4,758 |
| Average total loans | $97,771,000 | 3,400 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 1,968 |
| Cost of funding earning assets | 0.6477% | 1,307 |
| Net interest margin | 3.7735% | 2,526 |
| Noninterest income to average assets | 0.4227% | 3,487 |
| Noninterest expense to average assets | 3.4007% | 1,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1417% | 5,208 |
| Return on assets (ROA) | 0.1407% | 5,215 |
| Pretax return on assets | 0.1841% | 5,325 |
| Return on Equity (ROE) | 2.6673% | 4,916 |
| Retained earnings to average equity (ytd only) | 2.6673% | 3,719 |
| Net charge-offs to loans | -0.0263% | 5,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8304% | 272 |
| Assets per employee ($millions) | 3.4353% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,811 |
| Loan loss allowance to noncurrent loans | 69.1718% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 13.0965% | 10 |
| Noncurrent loans to loans | 2.0079% | 760 |
| Net loans and leases to total assets | 63.5507% | 3,414 |
| Net loans and leases to deposits | 73.0167% | 3,598 |
| Net loans and leases to core deposits | 76.5992% | 3,692 |
| Total domestic deposits to total assets | 87.0358% | 1,978 |
| Equity capital to assets | 5.3177% | 5,644 |
| Core capital (leverage) ratio | 5.7216% | 5,639 |
| Tier 1 risk-based capital ratio | 7.4394% | 5,652 |
| Total risk-based capital ratio | 9.0511% | 5,651 |
| Memoranda: | ||
| Average total assets | $152,116,200 | 3,441 |
| Average earning assets | $127,520,000 | 3,620 |
| Average equity | $8,023,200 | 4,781 |
| Average total loans | $98,726,000 | 3,375 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 1,568 |
| Cost of funding earning assets | 0.6578% | 1,191 |
| Net interest margin | 3.8696% | 2,145 |
| Noninterest income to average assets | 0.4253% | 3,515 |
| Noninterest expense to average assets | 3.3255% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3483% | 5,118 |
| Return on assets (ROA) | 0.3465% | 5,140 |
| Pretax return on assets | 0.3465% | 5,264 |
| Return on Equity (ROE) | 6.5838% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.5838% | 1,920 |
| Net charge-offs to loans | -0.0067% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5193% | 393 |
| Assets per employee ($millions) | 3.5364% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,915 |
| Loan loss allowance to noncurrent loans | 72.4307% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 13.4451% | 11 |
| Noncurrent loans to loans | 1.9253% | 895 |
| Net loans and leases to total assets | 63.4128% | 3,503 |
| Net loans and leases to deposits | 69.9589% | 3,964 |
| Net loans and leases to core deposits | 73.4957% | 4,023 |
| Total domestic deposits to total assets | 90.6430% | 278 |
| Equity capital to assets | 5.5894% | 5,709 |
| Core capital (leverage) ratio | 5.6889% | 5,707 |
| Tier 1 risk-based capital ratio | 7.5067% | 5,717 |
| Total risk-based capital ratio | 9.0927% | 5,715 |
| Memoranda: | ||
| Average total assets | $152,356,500 | 3,468 |
| Average earning assets | $127,899,750 | 3,649 |
| Average equity | $8,019,500 | 4,834 |
| Average total loans | $99,054,250 | 3,394 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 2,660 |
| Cost of funding earning assets | 0.6610% | 1,081 |
| Net interest margin | 3.4904% | 3,440 |
| Noninterest income to average assets | 0.4687% | 3,228 |
| Noninterest expense to average assets | 3.2493% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1614% | 5,442 |
| Return on assets (ROA) | 0.1588% | 5,446 |
| Pretax return on assets | 0.1588% | 5,460 |
| Return on Equity (ROE) | 3.0787% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.0787% | 3,878 |
| Net charge-offs to loans | -0.0120% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2672% | 276 |
| Assets per employee ($millions) | 3.6967% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 2,169 |
| Loan loss allowance to noncurrent loans | 37.9232% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 13.7712% | 15 |
| Noncurrent loans to loans | 3.5613% | 314 |
| Net loans and leases to total assets | 64.2426% | 3,353 |
| Net loans and leases to deposits | 72.4130% | 3,694 |
| Net loans and leases to core deposits | 76.2278% | 3,750 |
| Total domestic deposits to total assets | 88.7169% | 1,097 |
| Equity capital to assets | 5.3351% | 5,762 |
| Core capital (leverage) ratio | 5.4106% | 5,757 |
| Tier 1 risk-based capital ratio | 7.0532% | 5,769 |
| Total risk-based capital ratio | 8.5941% | 5,767 |
| Memoranda: | ||
| Average total assets | $153,632,000 | 3,470 |
| Average earning assets | $129,498,670 | 3,647 |
| Average equity | $7,925,330 | 4,870 |
| Average total loans | $100,232,670 | 3,393 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 2,389 |
| Cost of funding earning assets | 0.6575% | 1,036 |
| Net interest margin | 3.5108% | 3,234 |
| Noninterest income to average assets | 0.3000% | 4,415 |
| Noninterest expense to average assets | 3.1940% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0750% | 5,543 |
| Return on assets (ROA) | 0.0698% | 5,552 |
| Pretax return on assets | 0.0698% | 5,554 |
| Return on Equity (ROE) | 1.3767% | 5,443 |
| Retained earnings to average equity (ytd only) | 1.3767% | 4,549 |
| Net charge-offs to loans | -0.2970% | 5,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7057% | 275 |
| Assets per employee ($millions) | 3.8277% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 2,120 |
| Loan loss allowance to noncurrent loans | 36.4535% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 13.6145% | 20 |
| Noncurrent loans to loans | 3.8089% | 287 |
| Net loans and leases to total assets | 65.0341% | 3,113 |
| Net loans and leases to deposits | 75.9740% | 3,197 |
| Net loans and leases to core deposits | 80.0870% | 3,287 |
| Total domestic deposits to total assets | 85.6005% | 2,841 |
| Equity capital to assets | 5.1362% | 5,828 |
| Core capital (leverage) ratio | 5.2855% | 5,829 |
| Tier 1 risk-based capital ratio | 6.9210% | 5,835 |
| Total risk-based capital ratio | 8.5096% | 5,832 |
| Memoranda: | ||
| Average total assets | $154,666,500 | 3,497 |
| Average earning assets | $130,795,000 | 3,671 |
| Average equity | $7,845,000 | 4,927 |
| Average total loans | $100,998,500 | 3,403 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,342 |
| Cost of funding earning assets | 0.6909% | 852 |
| Net interest margin | 3.2696% | 4,231 |
| Noninterest income to average assets | 0.5525% | 2,901 |
| Noninterest expense to average assets | 3.3311% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.0258% | 5,657 |
| Return on assets (ROA) | 0.0411% | 5,640 |
| Pretax return on assets | 0.0411% | 5,635 |
| Return on Equity (ROE) | 0.7624% | 5,596 |
| Retained earnings to average equity (ytd only) | 0.7624% | 5,018 |
| Net charge-offs to loans | 0.1073% | 2,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -0.3714% | 4,153 |
| Efficiency ratio | 100.7817% | 213 |
| Assets per employee ($millions) | 4.0057% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 2,473 |
| Loan loss allowance to noncurrent loans | 21.2082% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 13.9889% | 19 |
| Noncurrent loans to loans | 6.1937% | 92 |
| Net loans and leases to total assets | 63.8154% | 3,380 |
| Net loans and leases to deposits | 74.2574% | 3,485 |
| Net loans and leases to core deposits | 78.1713% | 3,562 |
| Total domestic deposits to total assets | 85.9381% | 2,610 |
| Equity capital to assets | 5.0095% | 5,879 |
| Core capital (leverage) ratio | 5.1853% | 5,879 |
| Tier 1 risk-based capital ratio | 6.8236% | 5,889 |
| Total risk-based capital ratio | 8.3322% | 5,888 |
| Memoranda: | ||
| Average total assets | $150,942,800 | 3,509 |
| Average earning assets | $127,080,800 | 3,701 |
| Average equity | $8,132,400 | 4,909 |
| Average total loans | $97,868,200 | 3,426 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,319 |
| Cost of funding earning assets | 0.6933% | 842 |
| Net interest margin | 3.2785% | 4,263 |
| Noninterest income to average assets | 0.5988% | 2,666 |
| Noninterest expense to average assets | 3.3078% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0428% | 5,684 |
| Return on assets (ROA) | 0.1328% | 5,637 |
| Pretax return on assets | 0.1328% | 5,645 |
| Return on Equity (ROE) | 2.4200% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.4200% | 4,466 |
| Net charge-offs to loans | 0.2417% | 968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.2727% | 3,807 |
| Efficiency ratio | 98.7234% | 247 |
| Assets per employee ($millions) | 3.8930% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,848 |
| Loan loss allowance to noncurrent loans | 20.9963% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 14.3574% | 20 |
| Noncurrent loans to loans | 6.0433% | 115 |
| Net loans and leases to total assets | 62.7602% | 3,549 |
| Net loans and leases to deposits | 73.4440% | 3,645 |
| Net loans and leases to core deposits | 77.0424% | 3,752 |
| Total domestic deposits to total assets | 85.4532% | 2,623 |
| Equity capital to assets | 5.3616% | 5,943 |
| Core capital (leverage) ratio | 5.2882% | 5,944 |
| Tier 1 risk-based capital ratio | 6.9732% | 5,954 |
| Total risk-based capital ratio | 8.4384% | 5,952 |
| Memoranda: | ||
| Average total assets | $149,622,500 | 3,548 |
| Average earning assets | $125,581,750 | 3,742 |
| Average equity | $8,209,000 | 4,946 |
| Average total loans | $97,079,750 | 3,451 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 3,328 |
| Cost of funding earning assets | 0.6846% | 862 |
| Net interest margin | 3.2905% | 4,264 |
| Noninterest income to average assets | 0.5529% | 2,887 |
| Noninterest expense to average assets | 3.3539% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0461% | 5,793 |
| Return on assets (ROA) | 0.0556% | 5,752 |
| Pretax return on assets | 0.0556% | 5,755 |
| Return on Equity (ROE) | 1.0046% | 5,687 |
| Retained earnings to average equity (ytd only) | 1.0046% | 4,988 |
| Net charge-offs to loans | 0.4210% | 542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -0.1675% | 3,567 |
| Efficiency ratio | 101.3929% | 222 |
| Assets per employee ($millions) | 3.6987% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 3,030 |
| Loan loss allowance to noncurrent loans | 21.4710% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 14.9494% | 18 |
| Noncurrent loans to loans | 5.8586% | 130 |
| Net loans and leases to total assets | 65.2089% | 3,197 |
| Net loans and leases to deposits | 76.9674% | 3,272 |
| Net loans and leases to core deposits | 80.9020% | 3,375 |
| Total domestic deposits to total assets | 84.7228% | 2,991 |
| Equity capital to assets | 5.5939% | 6,021 |
| Core capital (leverage) ratio | 5.4897% | 6,016 |
| Tier 1 risk-based capital ratio | 7.0375% | 6,032 |
| Total risk-based capital ratio | 8.5129% | 6,029 |
| Memoranda: | ||
| Average total assets | $147,590,670 | 3,595 |
| Average earning assets | $123,569,000 | 3,811 |
| Average equity | $8,162,330 | 4,998 |
| Average total loans | $96,444,670 | 3,472 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 3,510 |
| Cost of funding earning assets | 0.6842% | 871 |
| Net interest margin | 3.2361% | 4,453 |
| Noninterest income to average assets | 0.5671% | 2,699 |
| Noninterest expense to average assets | 3.3674% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0923% | 5,843 |
| Return on assets (ROA) | 0.0353% | 5,791 |
| Pretax return on assets | 0.0353% | 5,789 |
| Return on Equity (ROE) | 0.6415% | 5,755 |
| Retained earnings to average equity (ytd only) | 0.6415% | 4,956 |
| Net charge-offs to loans | 0.1837% | 1,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.7727% | 3,005 |
| Efficiency ratio | 102.8169% | 228 |
| Assets per employee ($millions) | 3.6865% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 2,249 |
| Loan loss allowance to noncurrent loans | 19.3936% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 16.0612% | 17 |
| Noncurrent loans to loans | 7.4223% | 85 |
| Net loans and leases to total assets | 64.4496% | 3,174 |
| Net loans and leases to deposits | 76.0968% | 3,210 |
| Net loans and leases to core deposits | 80.3928% | 3,288 |
| Total domestic deposits to total assets | 84.6943% | 3,242 |
| Equity capital to assets | 5.5411% | 6,078 |
| Core capital (leverage) ratio | 5.4909% | 6,079 |
| Tier 1 risk-based capital ratio | 7.0711% | 6,091 |
| Total risk-based capital ratio | 8.6985% | 6,086 |
| Memoranda: | ||
| Average total assets | $147,413,000 | 3,615 |
| Average earning assets | $123,357,000 | 3,838 |
| Average equity | $8,105,500 | 5,040 |
| Average total loans | $95,815,500 | 3,499 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 3,092 |
| Cost of funding earning assets | 0.6817% | 900 |
| Net interest margin | 3.3740% | 4,017 |
| Noninterest income to average assets | 0.8456% | 1,624 |
| Noninterest expense to average assets | 3.5972% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0108% | 5,862 |
| Return on assets (ROA) | 0.0621% | 5,839 |
| Pretax return on assets | 0.0621% | 5,835 |
| Return on Equity (ROE) | 1.1597% | 5,745 |
| Retained earnings to average equity (ytd only) | 1.1597% | 5,044 |
| Net charge-offs to loans | 0.5816% | 420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.0287% | 4,267 |
| Efficiency ratio | 99.7007% | 292 |
| Assets per employee ($millions) | 3.5087% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 1,981 |
| Loan loss allowance to noncurrent loans | 26.0080% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 15.0707% | 23 |
| Noncurrent loans to loans | 5.7833% | 149 |
| Net loans and leases to total assets | 63.6332% | 3,330 |
| Net loans and leases to deposits | 74.0048% | 3,494 |
| Net loans and leases to core deposits | 77.8386% | 3,565 |
| Total domestic deposits to total assets | 85.9851% | 2,645 |
| Equity capital to assets | 5.4558% | 6,134 |
| Core capital (leverage) ratio | 5.4663% | 6,137 |
| Tier 1 risk-based capital ratio | 7.0992% | 6,147 |
| Total risk-based capital ratio | 8.7604% | 6,139 |
| Memoranda: | ||
| Average total assets | $148,172,800 | 3,599 |
| Average earning assets | $121,311,800 | 3,855 |
| Average equity | $7,932,800 | 5,076 |
| Average total loans | $95,948,000 | 3,459 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 2,987 |
| Cost of funding earning assets | 0.6873% | 898 |
| Net interest margin | 3.4025% | 3,949 |
| Noninterest income to average assets | 1.0163% | 1,152 |
| Noninterest expense to average assets | 3.5565% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2309% | 5,614 |
| Return on assets (ROA) | 0.2992% | 5,535 |
| Pretax return on assets | 0.2992% | 5,639 |
| Return on Equity (ROE) | 5.6116% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.6116% | 2,517 |
| Net charge-offs to loans | 0.7946% | 254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.4485% | 3,948 |
| Efficiency ratio | 93.9027% | 491 |
| Assets per employee ($millions) | 3.4108% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 2,294 |
| Loan loss allowance to noncurrent loans | 26.7157% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 15.6420% | 18 |
| Noncurrent loans to loans | 5.4939% | 168 |
| Net loans and leases to total assets | 64.8609% | 3,180 |
| Net loans and leases to deposits | 75.7743% | 3,330 |
| Net loans and leases to core deposits | 79.0794% | 3,503 |
| Total domestic deposits to total assets | 85.5976% | 2,738 |
| Equity capital to assets | 5.7274% | 6,212 |
| Core capital (leverage) ratio | 5.6686% | 6,211 |
| Tier 1 risk-based capital ratio | 7.1772% | 6,229 |
| Total risk-based capital ratio | 8.8086% | 6,225 |
| Memoranda: | ||
| Average total assets | $148,383,750 | 3,626 |
| Average earning assets | $120,850,500 | 3,906 |
| Average equity | $7,912,000 | 5,143 |
| Average total loans | $96,141,750 | 3,487 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,143 |
| Cost of funding earning assets | 0.7190% | 764 |
| Net interest margin | 3.3156% | 4,237 |
| Noninterest income to average assets | 1.2124% | 827 |
| Noninterest expense to average assets | 3.6118% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2940% | 5,452 |
| Return on assets (ROA) | 0.3947% | 5,261 |
| Pretax return on assets | 0.3947% | 5,476 |
| Return on Equity (ROE) | 7.5878% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.5878% | 1,432 |
| Net charge-offs to loans | 1.1416% | 165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.3996% | 3,663 |
| Efficiency ratio | 92.4716% | 614 |
| Assets per employee ($millions) | 3.5108% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 2,244 |
| Loan loss allowance to noncurrent loans | 24.0936% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 17.2691% | 14 |
| Noncurrent loans to loans | 6.2739% | 146 |
| Net loans and leases to total assets | 63.7168% | 3,302 |
| Net loans and leases to deposits | 73.7418% | 3,522 |
| Net loans and leases to core deposits | 77.7287% | 3,607 |
| Total domestic deposits to total assets | 86.4053% | 2,484 |
| Equity capital to assets | 5.5224% | 6,284 |
| Core capital (leverage) ratio | 5.5019% | 6,286 |
| Tier 1 risk-based capital ratio | 7.0665% | 6,308 |
| Total risk-based capital ratio | 8.7270% | 6,297 |
| Memoranda: | ||
| Average total assets | $148,957,330 | 3,645 |
| Average earning assets | $121,003,670 | 3,931 |
| Average equity | $7,749,330 | 5,210 |
| Average total loans | $96,007,670 | 3,510 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 3,186 |
| Cost of funding earning assets | 0.8414% | 395 |
| Net interest margin | 3.1708% | 4,710 |
| Noninterest income to average assets | 0.5424% | 3,010 |
| Noninterest expense to average assets | 3.5830% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4729% | 6,238 |
| Return on assets (ROA) | -0.3981% | 6,232 |
| Pretax return on assets | -0.3981% | 6,218 |
| Return on Equity (ROE) | -7.8914% | 6,300 |
| Retained earnings to average equity (ytd only) | -7.8914% | 6,073 |
| Net charge-offs to loans | 0.3032% | 782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -2.4247% | 3,211 |
| Efficiency ratio | 115.2062% | 158 |
| Assets per employee ($millions) | 3.4638% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 1,129 |
| Loan loss allowance to noncurrent loans | 29.3973% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 18.2078% | 13 |
| Noncurrent loans to loans | 6.7178% | 139 |
| Net loans and leases to total assets | 63.8866% | 3,106 |
| Net loans and leases to deposits | 73.9514% | 3,322 |
| Net loans and leases to core deposits | 78.0597% | 3,373 |
| Total domestic deposits to total assets | 86.3900% | 2,715 |
| Equity capital to assets | 5.0557% | 6,369 |
| Core capital (leverage) ratio | 4.9534% | 6,368 |
| Tier 1 risk-based capital ratio | 6.3114% | 6,385 |
| Total risk-based capital ratio | 8.1602% | 6,376 |
| Memoranda: | ||
| Average total assets | $149,709,000 | 3,658 |
| Average earning assets | $121,232,000 | 3,951 |
| Average equity | $7,552,500 | 5,290 |
| Average total loans | $96,314,000 | 3,515 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 2,677 |
| Cost of funding earning assets | 0.8862% | 416 |
| Net interest margin | 3.3947% | 4,220 |
| Noninterest income to average assets | 0.7105% | 2,254 |
| Noninterest expense to average assets | 3.6155% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1382% | 6,179 |
| Return on assets (ROA) | 0.0249% | 6,080 |
| Pretax return on assets | 0.0249% | 6,067 |
| Return on Equity (ROE) | 0.5152% | 6,034 |
| Retained earnings to average equity (ytd only) | 0.5152% | 5,541 |
| Net charge-offs to loans | 0.2703% | 1,595 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.8023% | 4,785 |
| Efficiency ratio | 103.9736% | 291 |
| Assets per employee ($millions) | 3.4994% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 976 |
| Loan loss allowance to noncurrent loans | 38.1592% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 17.2101% | 23 |
| Noncurrent loans to loans | 5.4575% | 242 |
| Net loans and leases to total assets | 62.1807% | 3,475 |
| Net loans and leases to deposits | 72.3799% | 3,632 |
| Net loans and leases to core deposits | 76.5324% | 3,652 |
| Total domestic deposits to total assets | 85.9087% | 2,892 |
| Equity capital to assets | 5.0340% | 6,457 |
| Core capital (leverage) ratio | 4.9635% | 6,454 |
| Tier 1 risk-based capital ratio | 6.6515% | 6,472 |
| Total risk-based capital ratio | 8.5221% | 6,462 |
| Memoranda: | ||
| Average total assets | $152,701,800 | 3,590 |
| Average earning assets | $124,460,000 | 3,872 |
| Average equity | $7,375,200 | 5,330 |
| Average total loans | $97,292,800 | 3,476 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 2,688 |
| Cost of funding earning assets | 0.8884% | 440 |
| Net interest margin | 3.3981% | 4,249 |
| Noninterest income to average assets | 0.7499% | 2,101 |
| Noninterest expense to average assets | 3.5791% | 1,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0539% | 6,186 |
| Return on assets (ROA) | -0.0513% | 6,190 |
| Pretax return on assets | -0.0513% | 6,175 |
| Return on Equity (ROE) | -1.0738% | 6,231 |
| Retained earnings to average equity (ytd only) | -1.0738% | 5,975 |
| Net charge-offs to loans | 0.3847% | 1,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.2198% | 4,476 |
| Efficiency ratio | 101.5301% | 336 |
| Assets per employee ($millions) | 3.6087% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0634% | 1,142 |
| Loan loss allowance to noncurrent loans | 37.2238% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 17.2099% | 21 |
| Noncurrent loans to loans | 5.5432% | 281 |
| Net loans and leases to total assets | 61.7244% | 3,529 |
| Net loans and leases to deposits | 71.6188% | 3,723 |
| Net loans and leases to core deposits | 76.0796% | 3,730 |
| Total domestic deposits to total assets | 86.1847% | 2,768 |
| Equity capital to assets | 4.8831% | 6,530 |
| Core capital (leverage) ratio | 4.8439% | 6,529 |
| Tier 1 risk-based capital ratio | 6.5459% | 6,545 |
| Total risk-based capital ratio | 8.4156% | 6,531 |
| Memoranda: | ||
| Average total assets | $153,258,250 | 3,612 |
| Average earning assets | $125,166,750 | 3,890 |
| Average equity | $7,325,250 | 5,382 |
| Average total loans | $97,726,750 | 3,495 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 2,497 |
| Cost of funding earning assets | 0.8893% | 455 |
| Net interest margin | 3.4364% | 4,032 |
| Noninterest income to average assets | 0.6969% | 2,296 |
| Noninterest expense to average assets | 3.6093% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0988% | 6,255 |
| Return on assets (ROA) | -0.0949% | 6,269 |
| Pretax return on assets | -0.0949% | 6,252 |
| Return on Equity (ROE) | -2.0000% | 6,333 |
| Retained earnings to average equity (ytd only) | -2.0000% | 5,991 |
| Net charge-offs to loans | 0.2763% | 1,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.5588% | 4,180 |
| Efficiency ratio | 102.8148% | 341 |
| Assets per employee ($millions) | 3.6656% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1632% | 1,073 |
| Loan loss allowance to noncurrent loans | 51.1847% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 16.0382% | 27 |
| Noncurrent loans to loans | 4.2263% | 548 |
| Net loans and leases to total assets | 62.1901% | 3,365 |
| Net loans and leases to deposits | 72.3923% | 3,522 |
| Net loans and leases to core deposits | 77.2937% | 3,513 |
| Total domestic deposits to total assets | 85.9071% | 3,091 |
| Equity capital to assets | 4.7858% | 6,595 |
| Core capital (leverage) ratio | 4.7976% | 6,591 |
| Tier 1 risk-based capital ratio | 6.4080% | 6,605 |
| Total risk-based capital ratio | 8.2681% | 6,597 |
| Memoranda: | ||
| Average total assets | $153,823,000 | 3,624 |
| Average earning assets | $125,944,670 | 3,889 |
| Average equity | $7,300,000 | 5,412 |
| Average total loans | $98,461,330 | 3,486 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 2,371 |
| Cost of funding earning assets | 0.9014% | 446 |
| Net interest margin | 3.4374% | 3,949 |
| Noninterest income to average assets | 0.5021% | 3,392 |
| Noninterest expense to average assets | 3.6265% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3070% | 6,402 |
| Return on assets (ROA) | -0.3070% | 6,404 |
| Pretax return on assets | -0.3070% | 6,394 |
| Return on Equity (ROE) | -6.4960% | 6,502 |
| Retained earnings to average equity (ytd only) | -6.4960% | 6,209 |
| Net charge-offs to loans | -0.0608% | 5,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2476% | 284 |
| Assets per employee ($millions) | 3.6647% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2983% | 1,032 |
| Loan loss allowance to noncurrent loans | 46.6571% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 16.2484% | 32 |
| Noncurrent loans to loans | 4.9259% | 457 |
| Net loans and leases to total assets | 62.6403% | 3,135 |
| Net loans and leases to deposits | 72.2419% | 3,308 |
| Net loans and leases to core deposits | 77.1800% | 3,283 |
| Total domestic deposits to total assets | 86.7091% | 2,991 |
| Equity capital to assets | 4.7090% | 6,651 |
| Core capital (leverage) ratio | 4.7478% | 6,653 |
| Tier 1 risk-based capital ratio | 6.3084% | 6,671 |
| Total risk-based capital ratio | 8.3136% | 6,651 |
| Memoranda: | ||
| Average total assets | $153,756,000 | 3,652 |
| Average earning assets | $126,026,000 | 3,926 |
| Average equity | $7,266,000 | 5,451 |
| Average total loans | $98,760,500 | 3,495 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 2,202 |
| Cost of funding earning assets | 0.9827% | 489 |
| Net interest margin | 3.5175% | 3,820 |
| Noninterest income to average assets | -0.0464% | 6,689 |
| Noninterest expense to average assets | 3.7946% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.9529% | 6,603 |
| Return on assets (ROA) | -0.9313% | 6,599 |
| Pretax return on assets | -0.9313% | 6,581 |
| Return on Equity (ROE) | -18.3931% | 6,678 |
| Retained earnings to average equity (ytd only) | -18.3931% | 6,659 |
| Net charge-offs to loans | 0.4603% | 1,444 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -3.1513% | 5,358 |
| Efficiency ratio | 133.5345% | 105 |
| Assets per employee ($millions) | 3.5720% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2795% | 1,064 |
| Loan loss allowance to noncurrent loans | 51.2861% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 16.0116% | 41 |
| Noncurrent loans to loans | 4.4446% | 605 |
| Net loans and leases to total assets | 62.8836% | 3,220 |
| Net loans and leases to deposits | 73.8340% | 3,287 |
| Net loans and leases to core deposits | 79.2754% | 3,210 |
| Total domestic deposits to total assets | 85.1688% | 3,656 |
| Equity capital to assets | 4.7423% | 6,705 |
| Core capital (leverage) ratio | 4.8244% | 6,723 |
| Tier 1 risk-based capital ratio | 6.3026% | 6,748 |
| Total risk-based capital ratio | 8.2959% | 6,728 |
| Memoranda: | ||
| Average total assets | $157,406,000 | 3,595 |
| Average earning assets | $129,240,600 | 3,861 |
| Average equity | $7,970,400 | 5,346 |
| Average total loans | $103,417,600 | 3,372 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 3,139 |
| Cost of funding earning assets | 1.0019% | 490 |
| Net interest margin | 3.2640% | 4,773 |
| Noninterest income to average assets | -0.2206% | 6,838 |
| Noninterest expense to average assets | 3.7374% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.2756% | 6,739 |
| Return on assets (ROA) | -1.2107% | 6,731 |
| Pretax return on assets | -1.2107% | 6,723 |
| Return on Equity (ROE) | -23.5481% | 6,788 |
| Retained earnings to average equity (ytd only) | -23.5481% | 6,776 |
| Net charge-offs to loans | 0.4820% | 1,331 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -4.0079% | 5,124 |
| Efficiency ratio | 151.8126% | 71 |
| Assets per employee ($millions) | 3.4975% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3388% | 1,123 |
| Loan loss allowance to noncurrent loans | 50.3751% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 16.5267% | 39 |
| Noncurrent loans to loans | 4.6427% | 684 |
| Net loans and leases to total assets | 63.7663% | 3,033 |
| Net loans and leases to deposits | 74.2948% | 3,195 |
| Net loans and leases to core deposits | 79.4016% | 3,190 |
| Total domestic deposits to total assets | 85.8288% | 3,347 |
| Equity capital to assets | 4.7846% | 6,782 |
| Core capital (leverage) ratio | 4.7617% | 6,795 |
| Tier 1 risk-based capital ratio | 6.1767% | 6,821 |
| Total risk-based capital ratio | 8.1542% | 6,808 |
| Memoranda: | ||
| Average total assets | $158,358,750 | 3,619 |
| Average earning assets | $130,144,750 | 3,878 |
| Average equity | $8,142,000 | 5,352 |
| Average total loans | $104,562,250 | 3,374 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 3,406 |
| Cost of funding earning assets | 1.0266% | 475 |
| Net interest margin | 3.1647% | 5,070 |
| Noninterest income to average assets | -0.3166% | 6,890 |
| Noninterest expense to average assets | 3.6822% | 1,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.3913% | 6,802 |
| Return on assets (ROA) | -1.2474% | 6,787 |
| Pretax return on assets | -1.2474% | 6,775 |
| Return on Equity (ROE) | -23.7334% | 6,842 |
| Retained earnings to average equity (ytd only) | -23.7334% | 6,822 |
| Net charge-offs to loans | 0.5570% | 1,182 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -3.7695% | 4,808 |
| Efficiency ratio | 160.7318% | 54 |
| Assets per employee ($millions) | 3.6702% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3262% | 1,217 |
| Loan loss allowance to noncurrent loans | 29.8491% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 16.5204% | 43 |
| Noncurrent loans to loans | 7.7932% | 271 |
| Net loans and leases to total assets | 64.7319% | 2,803 |
| Net loans and leases to deposits | 77.1225% | 2,708 |
| Net loans and leases to core deposits | 82.4420% | 2,756 |
| Total domestic deposits to total assets | 83.9339% | 4,344 |
| Equity capital to assets | 4.9659% | 6,828 |
| Core capital (leverage) ratio | 4.9248% | 6,833 |
| Tier 1 risk-based capital ratio | 6.3913% | 6,859 |
| Total risk-based capital ratio | 8.3534% | 6,842 |
| Memoranda: | ||
| Average total assets | $159,848,330 | 3,614 |
| Average earning assets | $131,702,670 | 3,872 |
| Average equity | $8,401,670 | 5,336 |
| Average total loans | $105,923,000 | 3,356 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 3,364 |
| Cost of funding earning assets | 1.0393% | 497 |
| Net interest margin | 3.1453% | 5,115 |
| Noninterest income to average assets | -0.6067% | 6,994 |
| Noninterest expense to average assets | 3.5981% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.6237% | 6,891 |
| Return on assets (ROA) | -1.3378% | 6,873 |
| Pretax return on assets | -1.3378% | 6,864 |
| Return on Equity (ROE) | -24.7812% | 6,918 |
| Retained earnings to average equity (ytd only) | -24.7812% | 6,875 |
| Net charge-offs to loans | 1.1671% | 505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.0997% | 4,022 |
| Efficiency ratio | 182.2418% | 47 |
| Assets per employee ($millions) | 3.7202% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2873% | 1,428 |
| Loan loss allowance to noncurrent loans | 26.6571% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 17.2226% | 52 |
| Noncurrent loans to loans | 8.5806% | 291 |
| Net loans and leases to total assets | 64.5446% | 2,608 |
| Net loans and leases to deposits | 77.0371% | 2,479 |
| Net loans and leases to core deposits | 82.8428% | 2,470 |
| Total domestic deposits to total assets | 83.7838% | 4,562 |
| Equity capital to assets | 5.2266% | 6,877 |
| Core capital (leverage) ratio | 5.1660% | 6,868 |
| Tier 1 risk-based capital ratio | 6.6340% | 6,910 |
| Total risk-based capital ratio | 8.5837% | 6,886 |
| Memoranda: | ||
| Average total assets | $160,864,000 | 3,630 |
| Average earning assets | $132,006,500 | 3,900 |
| Average equity | $8,684,000 | 5,310 |
| Average total loans | $106,589,000 | 3,370 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 2,701 |
| Cost of funding earning assets | 1.1584% | 707 |
| Net interest margin | 3.5132% | 4,442 |
| Noninterest income to average assets | -0.5555% | 7,034 |
| Noninterest expense to average assets | 3.7066% | 1,402 |
| Loan and lease loss provision to assets | 0.3830% | 1,706 |
| Net operating income to assets | -1.6689% | 6,893 |
| Return on assets (ROA) | -1.5018% | 6,867 |
| Pretax return on assets | -1.5018% | 6,846 |
| Return on Equity (ROE) | -26.8389% | 6,937 |
| Retained earnings to average equity (ytd only) | -26.8389% | 6,911 |
| Net charge-offs to loans | 1.4227% | 644 |
| Credit loss provision to net charge-offs | 39.2683% | 4,944 |
| Earnings coverage of net charge-offs (x) | -1.3183% | 5,785 |
| Efficiency ratio | 153.1204% | 86 |
| Assets per employee ($millions) | 3.6763% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5375% | 1,090 |
| Loan loss allowance to noncurrent loans | 28.5954% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 17.5243% | 50 |
| Noncurrent loans to loans | 8.8737% | 301 |
| Net loans and leases to total assets | 64.7764% | 2,761 |
| Net loans and leases to deposits | 75.6793% | 2,853 |
| Net loans and leases to core deposits | 80.7411% | 2,913 |
| Total domestic deposits to total assets | 85.5933% | 3,563 |
| Equity capital to assets | 5.5682% | 6,915 |
| Core capital (leverage) ratio | 5.4884% | 6,893 |
| Tier 1 risk-based capital ratio | 7.0138% | 6,956 |
| Total risk-based capital ratio | 8.9621% | 6,929 |
| Memoranda: | ||
| Average total assets | $168,132,000 | 3,484 |
| Average earning assets | $142,435,200 | 3,689 |
| Average equity | $9,408,000 | 5,129 |
| Average total loans | $115,273,000 | 3,182 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 2,575 |
| Cost of funding earning assets | 1.1956% | 707 |
| Net interest margin | 3.5554% | 4,417 |
| Noninterest income to average assets | -0.6347% | 7,145 |
| Noninterest expense to average assets | 3.7094% | 1,349 |
| Loan and lease loss provision to assets | 0.5059% | 1,209 |
| Net operating income to assets | -1.8178% | 7,017 |
| Return on assets (ROA) | -1.6976% | 7,011 |
| Pretax return on assets | -1.6976% | 6,984 |
| Return on Equity (ROE) | -30.3027% | 7,064 |
| Retained earnings to average equity (ytd only) | -30.3027% | 7,057 |
| Net charge-offs to loans | 1.7756% | 450 |
| Credit loss provision to net charge-offs | 41.2556% | 4,589 |
| Earnings coverage of net charge-offs (x) | -1.0698% | 5,577 |
| Efficiency ratio | 154.7182% | 79 |
| Assets per employee ($millions) | 3.6723% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5287% | 1,175 |
| Loan loss allowance to noncurrent loans | 32.0544% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 16.8670% | 67 |
| Noncurrent loans to loans | 7.8889% | 408 |
| Net loans and leases to total assets | 66.9610% | 2,470 |
| Net loans and leases to deposits | 78.4980% | 2,602 |
| Net loans and leases to core deposits | 83.8249% | 2,717 |
| Total domestic deposits to total assets | 85.3028% | 3,614 |
| Equity capital to assets | 5.8342% | 6,998 |
| Core capital (leverage) ratio | 5.6411% | 6,970 |
| Tier 1 risk-based capital ratio | 6.9820% | 7,047 |
| Total risk-based capital ratio | 8.9007% | 7,015 |
| Memoranda: | ||
| Average total assets | $169,725,500 | 3,492 |
| Average earning assets | $144,753,250 | 3,678 |
| Average equity | $9,508,250 | 5,150 |
| Average total loans | $117,214,000 | 3,179 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 3,988 |
| Cost of funding earning assets | 1.2628% | 614 |
| Net interest margin | 3.1847% | 5,784 |
| Noninterest income to average assets | -0.7029% | 7,203 |
| Noninterest expense to average assets | 3.5293% | 1,724 |
| Loan and lease loss provision to assets | 0.3932% | 1,672 |
| Net operating income to assets | -1.8905% | 7,060 |
| Return on assets (ROA) | -1.7142% | 7,055 |
| Pretax return on assets | -1.7142% | 7,034 |
| Return on Equity (ROE) | -31.0005% | 7,110 |
| Retained earnings to average equity (ytd only) | -31.0005% | 7,099 |
| Net charge-offs to loans | 1.7655% | 501 |
| Credit loss provision to net charge-offs | 32.1937% | 4,405 |
| Earnings coverage of net charge-offs (x) | -1.2260% | 5,331 |
| Efficiency ratio | 173.6872% | 64 |
| Assets per employee ($millions) | 3.6745% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6010% | 1,154 |
| Loan loss allowance to noncurrent loans | 25.5865% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 16.5423% | 76 |
| Noncurrent loans to loans | 10.1654% | 257 |
| Net loans and leases to total assets | 68.1673% | 2,264 |
| Net loans and leases to deposits | 80.4321% | 2,322 |
| Net loans and leases to core deposits | 84.7967% | 2,592 |
| Total domestic deposits to total assets | 84.7513% | 3,972 |
| Equity capital to assets | 6.1039% | 7,020 |
| Core capital (leverage) ratio | 5.5736% | 7,025 |
| Tier 1 risk-based capital ratio | 7.2278% | 7,083 |
| Total risk-based capital ratio | 9.1398% | 7,050 |
| Memoranda: | ||
| Average total assets | $172,440,000 | 3,465 |
| Average earning assets | $148,083,670 | 3,641 |
| Average equity | $9,535,330 | 5,147 |
| Average total loans | $119,284,000 | 3,149 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 4,026 |
| Cost of funding earning assets | 1.3273% | 566 |
| Net interest margin | 3.1428% | 5,923 |
| Noninterest income to average assets | -0.3614% | 7,234 |
| Noninterest expense to average assets | 3.3753% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.0296% | 6,997 |
| Return on assets (ROA) | -0.6864% | 6,929 |
| Pretax return on assets | -0.6864% | 6,894 |
| Return on Equity (ROE) | -13.0503% | 7,041 |
| Retained earnings to average equity (ytd only) | -13.0503% | 6,925 |
| Net charge-offs to loans | 2.6003% | 314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.5756% | 4,513 |
| Efficiency ratio | 143.8953% | 122 |
| Assets per employee ($millions) | 3.9861% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4777% | 1,390 |
| Loan loss allowance to noncurrent loans | 26.8433% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 15.2422% | 100 |
| Noncurrent loans to loans | 9.2301% | 352 |
| Net loans and leases to total assets | 65.9350% | 2,478 |
| Net loans and leases to deposits | 77.9275% | 2,525 |
| Net loans and leases to core deposits | 86.4258% | 2,241 |
| Total domestic deposits to total assets | 84.6107% | 4,210 |
| Equity capital to assets | 5.1531% | 7,130 |
| Core capital (leverage) ratio | 5.0141% | 7,119 |
| Tier 1 risk-based capital ratio | 6.3581% | 7,163 |
| Total risk-based capital ratio | 8.2456% | 7,135 |
| Memoranda: | ||
| Average total assets | $175,984,000 | 3,438 |
| Average earning assets | $151,586,000 | 3,585 |
| Average equity | $9,256,500 | 5,230 |
| Average total loans | $121,063,000 | 3,132 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7914% | 3,851 |
| Cost of funding earning assets | 1.5579% | 564 |
| Net interest margin | 3.2335% | 6,001 |
| Noninterest income to average assets | -0.7207% | 7,297 |
| Noninterest expense to average assets | 3.4632% | 2,081 |
| Loan and lease loss provision to assets | 0.2827% | 3,406 |
| Net operating income to assets | -1.7061% | 6,962 |
| Return on assets (ROA) | -1.5524% | 6,940 |
| Pretax return on assets | -1.5524% | 6,912 |
| Return on Equity (ROE) | -25.9926% | 7,058 |
| Retained earnings to average equity (ytd only) | -25.9926% | 7,048 |
| Net charge-offs to loans | 0.6890% | 2,429 |
| Credit loss provision to net charge-offs | 57.8002% | 5,230 |
| Earnings coverage of net charge-offs (x) | -2.9102% | 6,320 |
| Efficiency ratio | 169.7793% | 95 |
| Assets per employee ($millions) | 4.0132% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0143% | 802 |
| Loan loss allowance to noncurrent loans | 29.2629% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 15.1031% | 115 |
| Noncurrent loans to loans | 10.3006% | 297 |
| Net loans and leases to total assets | 67.8571% | 2,431 |
| Net loans and leases to deposits | 77.8302% | 2,872 |
| Net loans and leases to core deposits | 87.9802% | 2,379 |
| Total domestic deposits to total assets | 87.1860% | 2,650 |
| Equity capital to assets | 5.3658% | 7,145 |
| Core capital (leverage) ratio | 5.0167% | 7,146 |
| Tier 1 risk-based capital ratio | 6.5873% | 7,179 |
| Total risk-based capital ratio | 8.4831% | 7,148 |
| Memoranda: | ||
| Average total assets | $182,174,200 | 3,298 |
| Average earning assets | $155,527,400 | 3,482 |
| Average equity | $10,880,000 | 4,810 |
| Average total loans | $129,315,600 | 2,992 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 3,733 |
| Cost of funding earning assets | 1.6042% | 568 |
| Net interest margin | 3.2554% | 5,999 |
| Noninterest income to average assets | -0.5912% | 7,366 |
| Noninterest expense to average assets | 3.4529% | 2,067 |
| Loan and lease loss provision to assets | 0.3740% | 2,609 |
| Net operating income to assets | -1.6516% | 7,074 |
| Return on assets (ROA) | -1.4483% | 7,044 |
| Pretax return on assets | -1.4483% | 7,004 |
| Return on Equity (ROE) | -23.6715% | 7,151 |
| Retained earnings to average equity (ytd only) | -23.6715% | 7,140 |
| Net charge-offs to loans | 0.8667% | 1,834 |
| Credit loss provision to net charge-offs | 60.5882% | 4,791 |
| Earnings coverage of net charge-offs (x) | -2.0694% | 6,025 |
| Efficiency ratio | 158.7312% | 111 |
| Assets per employee ($millions) | 4.2034% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0094% | 855 |
| Loan loss allowance to noncurrent loans | 29.3659% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 15.4768% | 120 |
| Noncurrent loans to loans | 10.2479% | 343 |
| Net loans and leases to total assets | 65.6098% | 2,981 |
| Net loans and leases to deposits | 75.7865% | 3,358 |
| Net loans and leases to core deposits | 87.8693% | 2,510 |
| Total domestic deposits to total assets | 86.5719% | 2,898 |
| Equity capital to assets | 5.5129% | 7,229 |
| Core capital (leverage) ratio | 5.4749% | 7,188 |
| Tier 1 risk-based capital ratio | 7.0437% | 7,241 |
| Total risk-based capital ratio | 8.9247% | 7,213 |
| Memoranda: | ||
| Average total assets | $183,572,750 | 3,297 |
| Average earning assets | $156,002,500 | 3,502 |
| Average equity | $11,231,250 | 4,749 |
| Average total loans | $130,758,000 | 2,992 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 3,263 |
| Cost of funding earning assets | 1.6862% | 491 |
| Net interest margin | 3.2921% | 5,882 |
| Noninterest income to average assets | -0.1890% | 7,336 |
| Noninterest expense to average assets | 3.5060% | 1,963 |
| Loan and lease loss provision to assets | 0.1769% | 4,156 |
| Net operating income to assets | -1.0955% | 6,974 |
| Return on assets (ROA) | -1.0485% | 6,965 |
| Pretax return on assets | -1.0485% | 6,910 |
| Return on Equity (ROE) | -16.5856% | 7,100 |
| Retained earnings to average equity (ytd only) | -16.5856% | 7,078 |
| Net charge-offs to loans | 1.0419% | 1,512 |
| Credit loss provision to net charge-offs | 23.4443% | 5,085 |
| Earnings coverage of net charge-offs (x) | -1.2171% | 5,660 |
| Efficiency ratio | 135.5002% | 223 |
| Assets per employee ($millions) | 3.9463% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8124% | 1,069 |
| Loan loss allowance to noncurrent loans | 26.0068% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 17.2944% | 99 |
| Noncurrent loans to loans | 10.8142% | 333 |
| Net loans and leases to total assets | 69.4892% | 2,325 |
| Net loans and leases to deposits | 80.5043% | 2,707 |
| Net loans and leases to core deposits | 95.1104% | 1,776 |
| Total domestic deposits to total assets | 86.3174% | 3,146 |
| Equity capital to assets | 6.2827% | 7,213 |
| Core capital (leverage) ratio | 5.9986% | 7,191 |
| Tier 1 risk-based capital ratio | 7.5571% | 7,280 |
| Total risk-based capital ratio | 9.4182% | 7,240 |
| Memoranda: | ||
| Average total assets | $183,114,330 | 3,328 |
| Average earning assets | $154,431,670 | 3,553 |
| Average equity | $11,576,330 | 4,666 |
| Average total loans | $132,641,000 | 2,991 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0514% | 2,849 |
| Cost of funding earning assets | 1.7431% | 466 |
| Net interest margin | 3.3083% | 5,746 |
| Noninterest income to average assets | -0.1743% | 7,419 |
| Noninterest expense to average assets | 3.5636% | 1,842 |
| Loan and lease loss provision to assets | -0.9512% | 7,556 |
| Net operating income to assets | -0.0258% | 6,383 |
| Return on assets (ROA) | 0.0710% | 6,224 |
| Pretax return on assets | 0.0710% | 6,236 |
| Return on Equity (ROE) | 1.1200% | 6,096 |
| Retained earnings to average equity (ytd only) | 1.1200% | 5,374 |
| Net charge-offs to loans | 0.1240% | 3,782 |
| Credit loss provision to net charge-offs | -1,052.3810% | 6,128 |
| Earnings coverage of net charge-offs (x) | -10.8095% | 5,058 |
| Efficiency ratio | 137.7704% | 218 |
| Assets per employee ($millions) | 3.9522% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7367% | 1,171 |
| Loan loss allowance to noncurrent loans | 20.7233% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 17.2219% | 102 |
| Noncurrent loans to loans | 13.2058% | 216 |
| Net loans and leases to total assets | 70.6892% | 1,981 |
| Net loans and leases to deposits | 80.9492% | 2,539 |
| Net loans and leases to core deposits | 99.1444% | 1,416 |
| Total domestic deposits to total assets | 87.3253% | 2,751 |
| Equity capital to assets | 6.4762% | 7,216 |
| Core capital (leverage) ratio | 6.3776% | 7,196 |
| Tier 1 risk-based capital ratio | 8.1841% | 7,282 |
| Total risk-based capital ratio | 10.0412% | 7,245 |
| Memoranda: | ||
| Average total assets | $185,880,000 | 3,301 |
| Average earning assets | $155,125,000 | 3,561 |
| Average equity | $11,786,000 | 4,604 |
| Average total loans | $135,475,500 | 2,976 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 4,315 |
| Cost of funding earning assets | 2.0549% | 501 |
| Net interest margin | 2.9955% | 6,740 |
| Noninterest income to average assets | -0.1574% | 7,444 |
| Noninterest expense to average assets | 3.5670% | 2,013 |
| Loan and lease loss provision to assets | 2.9996% | 318 |
| Net operating income to assets | -4.0184% | 7,441 |
| Return on assets (ROA) | -3.8009% | 7,429 |
| Pretax return on assets | -3.8009% | 7,408 |
| Return on Equity (ROE) | -65.0335% | 7,505 |
| Retained earnings to average equity (ytd only) | -65.0335% | 7,503 |
| Net charge-offs to loans | 2.7401% | 656 |
| Credit loss provision to net charge-offs | 144.5210% | 2,570 |
| Earnings coverage of net charge-offs (x) | -0.4908% | 6,450 |
| Efficiency ratio | 139.9806% | 257 |
| Assets per employee ($millions) | 3.7991% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9535% | 904 |
| Loan loss allowance to noncurrent loans | 18.5068% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 17.9709% | 93 |
| Noncurrent loans to loans | 15.9588% | 128 |
| Net loans and leases to total assets | 70.9213% | 2,325 |
| Net loans and leases to deposits | 80.7461% | 3,036 |
| Net loans and leases to core deposits | 101.1108% | 1,528 |
| Total domestic deposits to total assets | 87.8325% | 2,351 |
| Equity capital to assets | 6.2109% | 7,313 |
| Core capital (leverage) ratio | 6.1566% | 7,270 |
| Tier 1 risk-based capital ratio | 7.7924% | 7,363 |
| Total risk-based capital ratio | 9.6294% | 7,328 |
| Memoranda: | ||
| Average total assets | $202,691,200 | 3,069 |
| Average earning assets | $183,077,600 | 3,090 |
| Average equity | $11,846,200 | 4,654 |
| Average total loans | $153,535,800 | 2,713 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 4,507 |
| Cost of funding earning assets | 2.1361% | 471 |
| Net interest margin | 2.9293% | 6,962 |
| Noninterest income to average assets | -0.2869% | 7,626 |
| Noninterest expense to average assets | 3.5451% | 1,922 |
| Loan and lease loss provision to assets | 3.7821% | 175 |
| Net operating income to assets | -4.9284% | 7,639 |
| Return on assets (ROA) | -4.7795% | 7,638 |
| Pretax return on assets | -4.7795% | 7,623 |
| Return on Equity (ROE) | -82.9781% | 7,664 |
| Retained earnings to average equity (ytd only) | -82.9781% | 7,664 |
| Net charge-offs to loans | 3.3211% | 424 |
| Credit loss provision to net charge-offs | 149.1318% | 2,611 |
| Earnings coverage of net charge-offs (x) | -0.4520% | 6,306 |
| Efficiency ratio | 147.7862% | 211 |
| Assets per employee ($millions) | 3.8062% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8535% | 956 |
| Loan loss allowance to noncurrent loans | 20.8446% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 14.1450% | 184 |
| Noncurrent loans to loans | 13.6895% | 198 |
| Net loans and leases to total assets | 71.4009% | 2,383 |
| Net loans and leases to deposits | 80.6651% | 3,328 |
| Net loans and leases to core deposits | 105.8197% | 1,343 |
| Total domestic deposits to total assets | 88.5152% | 1,662 |
| Equity capital to assets | 5.6861% | 7,519 |
| Core capital (leverage) ratio | 5.2077% | 7,528 |
| Tier 1 risk-based capital ratio | 6.7617% | 7,569 |
| Total risk-based capital ratio | 8.8420% | 7,511 |
| Memoranda: | ||
| Average total assets | $205,874,750 | 3,068 |
| Average earning assets | $188,753,750 | 3,058 |
| Average equity | $11,858,250 | 4,718 |
| Average total loans | $157,214,750 | 2,699 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1426% | 4,231 |
| Cost of funding earning assets | 2.1513% | 546 |
| Net interest margin | 2.9912% | 6,846 |
| Noninterest income to average assets | -0.1774% | 7,673 |
| Noninterest expense to average assets | 3.2850% | 2,607 |
| Loan and lease loss provision to assets | 4.2671% | 167 |
| Net operating income to assets | -4.9490% | 7,692 |
| Return on assets (ROA) | -4.7294% | 7,685 |
| Pretax return on assets | -4.7294% | 7,664 |
| Return on Equity (ROE) | -81.7767% | 7,704 |
| Retained earnings to average equity (ytd only) | -81.7767% | 7,702 |
| Net charge-offs to loans | 3.1974% | 481 |
| Credit loss provision to net charge-offs | 172.7096% | 2,260 |
| Earnings coverage of net charge-offs (x) | -0.2760% | 5,916 |
| Efficiency ratio | 126.1975% | 346 |
| Assets per employee ($millions) | 3.4774% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6212% | 1,166 |
| Loan loss allowance to noncurrent loans | 25.0382% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 11.1262% | 317 |
| Noncurrent loans to loans | 10.4689% | 408 |
| Net loans and leases to total assets | 74.2402% | 1,855 |
| Net loans and leases to deposits | 83.2800% | 3,017 |
| Net loans and leases to core deposits | 112.8159% | 985 |
| Total domestic deposits to total assets | 89.1453% | 1,352 |
| Equity capital to assets | 4.7250% | 7,653 |
| Core capital (leverage) ratio | 4.3699% | 7,661 |
| Tier 1 risk-based capital ratio | 5.5047% | 7,676 |
| Total risk-based capital ratio | 9.4994% | 7,518 |
| Memoranda: | ||
| Average total assets | $208,525,670 | 3,059 |
| Average earning assets | $193,833,000 | 3,023 |
| Average equity | $12,059,670 | 4,664 |
| Average total loans | $161,130,000 | 2,681 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 4,218 |
| Cost of funding earning assets | 2.1714% | 648 |
| Net interest margin | 2.9948% | 6,836 |
| Noninterest income to average assets | 0.2797% | 5,905 |
| Noninterest expense to average assets | 3.1759% | 2,950 |
| Loan and lease loss provision to assets | 4.7896% | 169 |
| Net operating income to assets | -4.8828% | 7,778 |
| Return on assets (ROA) | -4.8676% | 7,785 |
| Pretax return on assets | -4.8676% | 7,757 |
| Return on Equity (ROE) | -77.2664% | 7,789 |
| Retained earnings to average equity (ytd only) | -77.2664% | 7,784 |
| Net charge-offs to loans | 2.9140% | 530 |
| Credit loss provision to net charge-offs | 211.3350% | 1,760 |
| Earnings coverage of net charge-offs (x) | -0.0411% | 5,059 |
| Efficiency ratio | 103.0247% | 755 |
| Assets per employee ($millions) | 3.5035% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2007% | 1,750 |
| Loan loss allowance to noncurrent loans | 21.5229% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 9.9958% | 400 |
| Noncurrent loans to loans | 10.2248% | 409 |
| Net loans and leases to total assets | 76.3874% | 1,459 |
| Net loans and leases to deposits | 89.0947% | 2,051 |
| Net loans and leases to core deposits | 120.1686% | 778 |
| Total domestic deposits to total assets | 85.7373% | 3,288 |
| Equity capital to assets | 5.7995% | 7,645 |
| Core capital (leverage) ratio | 5.4270% | 7,665 |
| Tier 1 risk-based capital ratio | 6.8045% | 7,715 |
| Total risk-based capital ratio | 10.7376% | 7,305 |
| Memoranda: | ||
| Average total assets | $210,206,000 | 3,098 |
| Average earning assets | $196,740,000 | 3,037 |
| Average equity | $13,242,500 | 4,424 |
| Average total loans | $163,487,500 | 2,711 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8422% | 2,477 |
| Cost of funding earning assets | 2.6986% | 593 |
| Net interest margin | 3.1436% | 6,250 |
| Noninterest income to average assets | 0.3133% | 5,837 |
| Noninterest expense to average assets | 3.3359% | 2,887 |
| Loan and lease loss provision to assets | 1.6928% | 1,347 |
| Net operating income to assets | -1.7550% | 6,992 |
| Return on assets (ROA) | -1.6469% | 6,937 |
| Pretax return on assets | -1.6469% | 6,784 |
| Return on Equity (ROE) | -22.0096% | 7,211 |
| Retained earnings to average equity (ytd only) | -22.0096% | 7,179 |
| Net charge-offs to loans | 2.0323% | 1,210 |
| Credit loss provision to net charge-offs | 103.2380% | 5,347 |
| Earnings coverage of net charge-offs (x) | -0.0379% | 6,257 |
| Efficiency ratio | 101.8995% | 1,014 |
| Assets per employee ($millions) | 3.6221% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,508 |
| Loan loss allowance to noncurrent loans | 17.8474% | 7,143 |
| Noncurrent assets plus other real estate owned to assets | 7.6142% | 625 |
| Noncurrent loans to loans | 7.5385% | 695 |
| Net loans and leases to total assets | 76.4123% | 1,709 |
| Net loans and leases to deposits | 93.4509% | 1,671 |
| Net loans and leases to core deposits | 112.0783% | 2,689 |
| Total domestic deposits to total assets | 81.7674% | 5,049 |
| Equity capital to assets | 6.7837% | 7,470 |
| Core capital (leverage) ratio | 6.4389% | 7,517 |
| Tier 1 risk-based capital ratio | 8.1206% | 7,636 |
| Total risk-based capital ratio | 11.9763% | 6,156 |
| Memoranda: | ||
| Average total assets | $209,057,600 | 3,071 |
| Average earning assets | $196,877,000 | 3,011 |
| Average equity | $15,643,200 | 3,938 |
| Average total loans | $168,676,200 | 2,637 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8837% | 2,519 |
| Cost of funding earning assets | 2.7732% | 642 |
| Net interest margin | 3.1105% | 6,285 |
| Noninterest income to average assets | 0.2655% | 6,329 |
| Noninterest expense to average assets | 3.3721% | 2,660 |
| Loan and lease loss provision to assets | 0.8382% | 2,286 |
| Net operating income to assets | -0.6192% | 6,537 |
| Return on assets (ROA) | -0.5503% | 6,476 |
| Pretax return on assets | -0.9036% | 6,614 |
| Return on Equity (ROE) | -7.1813% | 6,679 |
| Retained earnings to average equity (ytd only) | -7.1813% | 6,526 |
| Net charge-offs to loans | 0.6475% | 2,741 |
| Credit loss provision to net charge-offs | 158.8092% | 2,994 |
| Earnings coverage of net charge-offs (x) | -0.3281% | 6,377 |
| Efficiency ratio | 105.4130% | 873 |
| Assets per employee ($millions) | 3.8474% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 3,209 |
| Loan loss allowance to noncurrent loans | 58.6907% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 3.4569% | 1,932 |
| Noncurrent loans to loans | 2.6359% | 2,870 |
| Net loans and leases to total assets | 76.7990% | 1,820 |
| Net loans and leases to deposits | 95.3898% | 1,659 |
| Net loans and leases to core deposits | 118.4558% | 2,378 |
| Total domestic deposits to total assets | 80.5107% | 5,242 |
| Equity capital to assets | 7.1580% | 7,519 |
| Core capital (leverage) ratio | 6.6257% | 7,619 |
| Tier 1 risk-based capital ratio | 8.3125% | 7,753 |
| Total risk-based capital ratio | 12.1659% | 5,996 |
| Memoranda: | ||
| Average total assets | $207,895,750 | 3,106 |
| Average earning assets | $196,062,000 | 3,043 |
| Average equity | $15,929,750 | 3,923 |
| Average total loans | $169,464,250 | 2,656 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9129% | 2,529 |
| Cost of funding earning assets | 2.8564% | 679 |
| Net interest margin | 3.0566% | 6,375 |
| Noninterest income to average assets | 0.3029% | 6,098 |
| Noninterest expense to average assets | 3.1581% | 3,476 |
| Loan and lease loss provision to assets | 0.7294% | 2,248 |
| Net operating income to assets | -0.1047% | 6,021 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | -0.5366% | 6,461 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.6744% | 2,352 |
| Credit loss provision to net charge-offs | 130.7155% | 3,567 |
| Earnings coverage of net charge-offs (x) | 0.0524% | 5,622 |
| Efficiency ratio | 99.0834% | 1,220 |
| Assets per employee ($millions) | 4.0995% | 3,496 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 4,014 |
| Loan loss allowance to noncurrent loans | 65.1321% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.8554% | 2,244 |
| Noncurrent loans to loans | 2.0638% | 3,431 |
| Net loans and leases to total assets | 75.9884% | 2,181 |
| Net loans and leases to deposits | 95.9190% | 1,810 |
| Net loans and leases to core deposits | 120.7657% | 2,294 |
| Total domestic deposits to total assets | 79.2214% | 5,742 |
| Equity capital to assets | 7.1771% | 7,499 |
| Core capital (leverage) ratio | 7.2867% | 7,261 |
| Tier 1 risk-based capital ratio | 8.7004% | 7,813 |
| Total risk-based capital ratio | 12.4011% | 5,640 |
| Memoranda: | ||
| Average total assets | $205,377,000 | 3,160 |
| Average earning assets | $193,812,670 | 3,091 |
| Average equity | $16,099,000 | 3,899 |
| Average total loans | $169,930,670 | 2,684 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0448% | 2,177 |
| Cost of funding earning assets | 2.9135% | 745 |
| Net interest margin | 3.1312% | 6,099 |
| Noninterest income to average assets | 0.3648% | 5,518 |
| Noninterest expense to average assets | 3.1736% | 3,097 |
| Loan and lease loss provision to assets | 1.1166% | 1,173 |
| Net operating income to assets | 0.1642% | 5,773 |
| Return on assets (ROA) | 0.1642% | 5,940 |
| Pretax return on assets | -0.9525% | 7,129 |
| Return on Equity (ROE) | 1.9994% | 5,775 |
| Retained earnings to average equity (ytd only) | 1.9994% | 4,749 |
| Net charge-offs to loans | 0.8748% | 1,493 |
| Credit loss provision to net charge-offs | 148.5175% | 2,812 |
| Earnings coverage of net charge-offs (x) | 0.2183% | 4,810 |
| Efficiency ratio | 95.0820% | 1,377 |
| Assets per employee ($millions) | 3.9054% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 3,812 |
| Loan loss allowance to noncurrent loans | 116.4891% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 2.2829% | 2,513 |
| Noncurrent loans to loans | 1.1572% | 4,672 |
| Net loans and leases to total assets | 84.3640% | 637 |
| Net loans and leases to deposits | 95.4581% | 2,040 |
| Net loans and leases to core deposits | 122.1553% | 2,238 |
| Total domestic deposits to total assets | 88.3781% | 1,530 |
| Equity capital to assets | 8.1817% | 6,559 |
| Core capital (leverage) ratio | 7.9703% | 6,512 |
| Tier 1 risk-based capital ratio | 8.8564% | 7,861 |
| Total risk-based capital ratio | 10.3405% | 7,755 |
| Memoranda: | ||
| Average total assets | $197,379,500 | 3,270 |
| Average earning assets | $187,401,500 | 3,193 |
| Average equity | $16,204,500 | 3,905 |
| Average total loans | $169,641,500 | 2,706 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7401% | 1,902 |
| Cost of funding earning assets | 3.4142% | 685 |
| Net interest margin | 3.3258% | 5,947 |
| Noninterest income to average assets | 0.3891% | 5,569 |
| Noninterest expense to average assets | 3.3826% | 2,723 |
| Loan and lease loss provision to assets | 0.5905% | 2,461 |
| Net operating income to assets | -0.4143% | 6,839 |
| Return on assets (ROA) | -0.3502% | 6,648 |
| Pretax return on assets | -0.3502% | 6,501 |
| Return on Equity (ROE) | -3.9912% | 6,743 |
| Retained earnings to average equity (ytd only) | -3.9912% | 6,323 |
| Net charge-offs to loans | 0.3994% | 2,820 |
| Credit loss provision to net charge-offs | 174.0323% | 2,925 |
| Earnings coverage of net charge-offs (x) | 0.5194% | 5,919 |
| Efficiency ratio | 95.0484% | 1,217 |
| Assets per employee ($millions) | 3.6903% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 4,111 |
| Loan loss allowance to noncurrent loans | 95.8768% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 2.2175% | 2,202 |
| Noncurrent loans to loans | 1.3063% | 3,898 |
| Net loans and leases to total assets | 85.3030% | 685 |
| Net loans and leases to deposits | 94.4562% | 2,693 |
| Net loans and leases to core deposits | 116.0563% | 3,114 |
| Total domestic deposits to total assets | 90.3095% | 547 |
| Equity capital to assets | 8.2384% | 6,497 |
| Core capital (leverage) ratio | 8.1349% | 6,274 |
| Tier 1 risk-based capital ratio | 9.0866% | 7,728 |
| Total risk-based capital ratio | 10.2842% | 7,744 |
| Memoranda: | ||
| Average total assets | $182,728,400 | 3,380 |
| Average earning assets | $174,152,600 | 3,263 |
| Average equity | $16,035,200 | 3,922 |
| Average total loans | $155,240,200 | 2,846 |