Home > New Haven Bank > Performance and Condition Ratios
New Haven Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 2,609 |
| Cost of funding earning assets | 1.9753% | 950 |
| Net interest margin | 2.7581% | 3,737 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.9190% | 1,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.1488% | 4,444 |
| Return on assets (ROA) | -0.1488% | 4,429 |
| Pretax return on assets | -0.2124% | 4,429 |
| Return on Equity (ROE) | -1.3500% | 4,399 |
| Retained earnings to average equity (ytd only) | -2.9867% | 4,330 |
| Net charge-offs to loans | 0.0084% | 2,350 |
| Credit loss provision to net charge-offs | -53.8462% | 4,461 |
| Earnings coverage of net charge-offs (x) | -29.7692% | 4,573 |
| Efficiency ratio | 107.8483% | 120 |
| Assets per employee ($millions) | 8.2489% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,414 |
| Loan loss allowance to noncurrent loans | 775.1004% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 2,656 |
| Noncurrent loans to loans | 0.1521% | 2,752 |
| Net loans and leases to total assets | 85.2600% | 194 |
| Net loans and leases to deposits | 114.6346% | 129 |
| Net loans and leases to core deposits | 150.0241% | 201 |
| Total domestic deposits to total assets | 74.3800% | 4,076 |
| Equity capital to assets | 10.3635% | 1,803 |
| Core capital (leverage) ratio | 9.5643% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8291% | 2,293 |
| Memoranda: | ||
| Average total assets | $182,184,600 | 3,105 |
| Average earning assets | $171,062,400 | 3,084 |
| Average equity | $20,055,400 | 2,850 |
| Average total loans | $155,337,200 | 2,633 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 2,562 |
| Cost of funding earning assets | 1.8270% | 964 |
| Net interest margin | 2.8286% | 3,678 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.9003% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0910% | 4,471 |
| Return on assets (ROA) | -0.0910% | 4,457 |
| Pretax return on assets | -0.1235% | 4,453 |
| Return on Equity (ROE) | -0.8100% | 4,421 |
| Retained earnings to average equity (ytd only) | -0.8137% | 4,239 |
| Net charge-offs to loans | 0.0165% | 1,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -8.7895% | 4,595 |
| Efficiency ratio | 104.4474% | 133 |
| Assets per employee ($millions) | 8.0747% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,217 |
| Loan loss allowance to noncurrent loans | 3,862.0000% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,537 |
| Noncurrent loans to loans | 0.0318% | 3,542 |
| Net loans and leases to total assets | 83.5000% | 325 |
| Net loans and leases to deposits | 111.8603% | 169 |
| Net loans and leases to core deposits | 142.6566% | 195 |
| Total domestic deposits to total assets | 74.6500% | 4,113 |
| Equity capital to assets | 10.7237% | 1,467 |
| Core capital (leverage) ratio | 10.1225% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7483% | 1,989 |
| Memoranda: | ||
| Average total assets | $180,299,750 | 3,132 |
| Average earning assets | $169,453,000 | 3,106 |
| Average equity | $20,153,750 | 2,836 |
| Average total loans | $153,248,500 | 2,656 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 2,424 |
| Cost of funding earning assets | 1.6705% | 930 |
| Net interest margin | 2.9240% | 3,601 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.8259% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0370% | 4,400 |
| Return on assets (ROA) | 0.0370% | 4,431 |
| Pretax return on assets | 0.0549% | 4,420 |
| Return on Equity (ROE) | 0.3300% | 4,416 |
| Retained earnings to average equity (ytd only) | 0.3262% | 4,019 |
| Net charge-offs to loans | 0.0066% | 1,996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,015 |
| Efficiency ratio | 98.0941% | 196 |
| Assets per employee ($millions) | 9.1087% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,163 |
| Loan loss allowance to noncurrent loans | 771.8254% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 2,584 |
| Noncurrent loans to loans | 0.1622% | 2,667 |
| Net loans and leases to total assets | 84.2200% | 256 |
| Net loans and leases to deposits | 113.5113% | 155 |
| Net loans and leases to core deposits | 141.6557% | 201 |
| Total domestic deposits to total assets | 74.1900% | 4,183 |
| Equity capital to assets | 11.0944% | 1,353 |
| Core capital (leverage) ratio | 10.3390% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9939% | 1,900 |
| Memoranda: | ||
| Average total assets | $178,493,333 | 3,149 |
| Average earning assets | $167,852,000 | 3,125 |
| Average equity | $20,233,000 | 2,847 |
| Average total loans | $151,997,000 | 2,656 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 2,318 |
| Cost of funding earning assets | 1.4842% | 871 |
| Net interest margin | 3.0140% | 3,564 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.8259% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1087% | 4,427 |
| Return on assets (ROA) | 0.1087% | 4,399 |
| Pretax return on assets | 0.1630% | 4,372 |
| Return on Equity (ROE) | 0.9500% | 4,387 |
| Retained earnings to average equity (ytd only) | 0.9484% | 3,874 |
| Net charge-offs to loans | 0.0027% | 1,930 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 941 |
| Efficiency ratio | 94.5455% | 248 |
| Assets per employee ($millions) | 9.3416% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,154 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 85.0100% | 184 |
| Net loans and leases to deposits | 108.9253% | 204 |
| Net loans and leases to core deposits | 139.1150% | 191 |
| Total domestic deposits to total assets | 78.0400% | 4,006 |
| Equity capital to assets | 11.4220% | 1,182 |
| Core capital (leverage) ratio | 10.4510% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5897% | 1,765 |
| Memoranda: | ||
| Average total assets | $176,653,500 | 3,206 |
| Average earning assets | $166,555,000 | 3,178 |
| Average equity | $20,244,000 | 2,871 |
| Average total loans | $150,311,500 | 2,701 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 1,330 |
| Cost of funding earning assets | 0.6083% | 866 |
| Net interest margin | 3.5509% | 1,781 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.8789% | 1,160 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9408% | 2,812 |
| Return on assets (ROA) | 0.9408% | 2,752 |
| Pretax return on assets | 1.2865% | 2,135 |
| Return on Equity (ROE) | 7.9800% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.2881% | 2,110 |
| Net charge-offs to loans | -0.0252% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.9089% | 1,977 |
| Assets per employee ($millions) | 9.2535% | 842 |
| Cash dividends to net income (ytd only)* | 8.6185% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,057 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 83.0000% | 324 |
| Net loans and leases to deposits | 104.9543% | 266 |
| Net loans and leases to core deposits | 133.8102% | 192 |
| Total domestic deposits to total assets | 79.0800% | 3,994 |
| Equity capital to assets | 11.4978% | 1,088 |
| Core capital (leverage) ratio | 10.7970% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0461% | 1,621 |
| Memoranda: | ||
| Average total assets | $167,737,800 | 3,285 |
| Average earning assets | $158,297,400 | 3,259 |
| Average equity | $19,785,800 | 2,970 |
| Average total loans | $139,011,400 | 2,737 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 1,064 |
| Cost of funding earning assets | 0.4760% | 855 |
| Net interest margin | 3.6256% | 1,334 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.9286% | 1,008 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9695% | 2,598 |
| Return on assets (ROA) | 0.9695% | 2,566 |
| Pretax return on assets | 1.3396% | 1,922 |
| Return on Equity (ROE) | 8.1600% | 3,278 |
| Retained earnings to average equity (ytd only) | 8.1644% | 1,938 |
| Net charge-offs to loans | -0.0439% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.8851% | 2,049 |
| Assets per employee ($millions) | 8.8675% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,167 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 83.7100% | 268 |
| Net loans and leases to deposits | 104.1002% | 236 |
| Net loans and leases to core deposits | 127.4726% | 166 |
| Total domestic deposits to total assets | 80.4100% | 4,061 |
| Equity capital to assets | 11.8243% | 916 |
| Core capital (leverage) ratio | 11.0168% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2450% | 1,634 |
| Memoranda: | ||
| Average total assets | $165,718,250 | 3,326 |
| Average earning assets | $156,292,500 | 3,299 |
| Average equity | $19,678,500 | 3,021 |
| Average total loans | $136,815,750 | 2,765 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 805 |
| Cost of funding earning assets | 0.4106% | 855 |
| Net interest margin | 3.6706% | 962 |
| Noninterest income to average assets | 0.9029% | 845 |
| Noninterest expense to average assets | 2.9382% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0328% | 2,036 |
| Return on assets (ROA) | 1.0328% | 2,013 |
| Pretax return on assets | 1.4260% | 1,372 |
| Return on Equity (ROE) | 8.6849% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.6849% | 1,378 |
| Net charge-offs to loans | -0.0608% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3248% | 2,337 |
| Assets per employee ($millions) | 8.4855% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,280 |
| Loan loss allowance to noncurrent loans | 17,560.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,988 |
| Noncurrent loans to loans | 0.0073% | 3,946 |
| Net loans and leases to total assets | 79.8297% | 420 |
| Net loans and leases to deposits | 102.0957% | 204 |
| Net loans and leases to core deposits | 122.9816% | 168 |
| Total domestic deposits to total assets | 78.1910% | 4,343 |
| Equity capital to assets | 11.6652% | 973 |
| Core capital (leverage) ratio | 10.9179% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3379% | 1,617 |
| Memoranda: | ||
| Average total assets | $164,796,667 | 3,370 |
| Average earning assets | $155,395,333 | 3,347 |
| Average equity | $19,597,333 | 3,101 |
| Average total loans | $134,803,000 | 2,800 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 635 |
| Cost of funding earning assets | 0.3920% | 914 |
| Net interest margin | 3.7106% | 737 |
| Noninterest income to average assets | 0.8082% | 1,028 |
| Noninterest expense to average assets | 2.9715% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9683% | 2,002 |
| Return on assets (ROA) | 0.9683% | 2,001 |
| Pretax return on assets | 1.3355% | 1,422 |
| Return on Equity (ROE) | 8.0626% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.0626% | 1,565 |
| Net charge-offs to loans | -0.1467% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9931% | 2,371 |
| Assets per employee ($millions) | 8.3963% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 82.2597% | 149 |
| Net loans and leases to deposits | 106.3720% | 95 |
| Net loans and leases to core deposits | 127.3712% | 106 |
| Total domestic deposits to total assets | 77.3320% | 4,442 |
| Equity capital to assets | 12.2523% | 873 |
| Core capital (leverage) ratio | 10.8935% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0594% | 1,498 |
| Memoranda: | ||
| Average total assets | $162,340,000 | 3,403 |
| Average earning assets | $153,073,000 | 3,380 |
| Average equity | $19,497,500 | 3,187 |
| Average total loans | $133,587,000 | 2,813 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1592% | 1,063 |
| Cost of funding earning assets | 0.5731% | 621 |
| Net interest margin | 3.5861% | 1,506 |
| Noninterest income to average assets | 0.3654% | 3,244 |
| Noninterest expense to average assets | 2.6378% | 1,785 |
| Loan and lease loss provision to assets | 0.0061% | 2,952 |
| Net operating income to assets | 0.9263% | 2,955 |
| Return on assets (ROA) | 0.9263% | 3,019 |
| Pretax return on assets | 1.1120% | 2,927 |
| Return on Equity (ROE) | 8.0752% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.3110% | 1,804 |
| Net charge-offs to loans | 0.0482% | 1,344 |
| Credit loss provision to net charge-offs | 15.3846% | 2,284 |
| Earnings coverage of net charge-offs (x) | 28.0615% | 1,661 |
| Efficiency ratio | 70.2301% | 1,706 |
| Assets per employee ($millions) | 8.6922% | 1,020 |
| Cash dividends to net income (ytd only)* | 9.4639% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 2,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 80.2096% | 261 |
| Net loans and leases to deposits | 102.7625% | 147 |
| Net loans and leases to core deposits | 127.1228% | 115 |
| Total domestic deposits to total assets | 78.0534% | 4,386 |
| Equity capital to assets | 11.7765% | 1,356 |
| Core capital (leverage) ratio | 10.5242% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6989% | 1,118 |
| Memoranda: | ||
| Average total assets | $163,127,600 | 3,365 |
| Average earning assets | $154,236,200 | 3,331 |
| Average equity | $18,711,600 | 3,327 |
| Average total loans | $134,929,400 | 2,784 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 1,259 |
| Cost of funding earning assets | 0.6124% | 599 |
| Net interest margin | 3.5072% | 1,846 |
| Noninterest income to average assets | 0.2919% | 3,704 |
| Noninterest expense to average assets | 2.5761% | 1,909 |
| Loan and lease loss provision to assets | 0.0080% | 2,820 |
| Net operating income to assets | 0.7420% | 3,673 |
| Return on assets (ROA) | 0.7420% | 3,734 |
| Pretax return on assets | 1.0224% | 3,388 |
| Return on Equity (ROE) | 6.5128% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.5128% | 2,613 |
| Net charge-offs to loans | 0.0099% | 1,954 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 125.7000% | 754 |
| Efficiency ratio | 71.4253% | 1,450 |
| Assets per employee ($millions) | 8.0639% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 81.4488% | 224 |
| Net loans and leases to deposits | 106.0450% | 136 |
| Net loans and leases to core deposits | 130.2054% | 116 |
| Total domestic deposits to total assets | 76.8059% | 4,502 |
| Equity capital to assets | 11.7890% | 1,494 |
| Core capital (leverage) ratio | 10.0059% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7349% | 1,413 |
| Memoranda: | ||
| Average total assets | $162,621,750 | 3,408 |
| Average earning assets | $153,698,750 | 3,372 |
| Average equity | $18,527,250 | 3,383 |
| Average total loans | $135,116,250 | 2,823 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 1,433 |
| Cost of funding earning assets | 0.6565% | 546 |
| Net interest margin | 3.4021% | 2,135 |
| Noninterest income to average assets | 0.1410% | 4,496 |
| Noninterest expense to average assets | 2.5278% | 2,056 |
| Loan and lease loss provision to assets | 0.0123% | 2,702 |
| Net operating income to assets | 0.5936% | 3,995 |
| Return on assets (ROA) | 0.5936% | 4,051 |
| Pretax return on assets | 0.8168% | 3,828 |
| Return on Equity (ROE) | 5.2708% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.2708% | 3,088 |
| Net charge-offs to loans | 0.0015% | 2,172 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 676.0000% | 209 |
| Efficiency ratio | 75.3014% | 1,142 |
| Assets per employee ($millions) | 9.2396% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,487 |
| Loan loss allowance to noncurrent loans | 3,067.2414% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,018 |
| Noncurrent loans to loans | 0.0421% | 3,981 |
| Net loans and leases to total assets | 81.8499% | 226 |
| Net loans and leases to deposits | 104.4031% | 177 |
| Net loans and leases to core deposits | 127.3870% | 150 |
| Total domestic deposits to total assets | 78.3980% | 4,396 |
| Equity capital to assets | 11.1970% | 1,835 |
| Core capital (leverage) ratio | 9.7393% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1435% | 1,583 |
| Memoranda: | ||
| Average total assets | $163,069,667 | 3,405 |
| Average earning assets | $154,139,333 | 3,373 |
| Average equity | $18,365,333 | 3,396 |
| Average total loans | $135,778,667 | 2,824 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 1,497 |
| Cost of funding earning assets | 0.7230% | 505 |
| Net interest margin | 3.3336% | 2,288 |
| Noninterest income to average assets | 0.1462% | 4,470 |
| Noninterest expense to average assets | 2.5346% | 2,076 |
| Loan and lease loss provision to assets | 0.0248% | 2,461 |
| Net operating income to assets | 0.5302% | 4,117 |
| Return on assets (ROA) | 0.5302% | 4,155 |
| Pretax return on assets | 0.7284% | 3,964 |
| Return on Equity (ROE) | 4.6938% | 4,153 |
| Retained earnings to average equity (ytd only) | 4.6938% | 3,318 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0912% | 1,031 |
| Assets per employee ($millions) | 9.2477% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 2,469 |
| Loan loss allowance to noncurrent loans | 3,068.9655% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,114 |
| Noncurrent loans to loans | 0.0422% | 4,077 |
| Net loans and leases to total assets | 81.5829% | 245 |
| Net loans and leases to deposits | 103.3949% | 217 |
| Net loans and leases to core deposits | 125.3561% | 191 |
| Total domestic deposits to total assets | 78.9041% | 4,342 |
| Equity capital to assets | 11.0015% | 1,862 |
| Core capital (leverage) ratio | 9.5919% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5127% | 1,425 |
| Memoranda: | ||
| Average total assets | $161,448,000 | 3,420 |
| Average earning assets | $152,149,500 | 3,394 |
| Average equity | $18,237,000 | 3,403 |
| Average total loans | $134,715,000 | 2,841 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 1,990 |
| Cost of funding earning assets | 1.1544% | 330 |
| Net interest margin | 3.0984% | 3,628 |
| Noninterest income to average assets | 0.2699% | 3,861 |
| Noninterest expense to average assets | 2.6250% | 2,464 |
| Loan and lease loss provision to assets | 0.1860% | 2,094 |
| Net operating income to assets | 1.2199% | 1,481 |
| Return on assets (ROA) | 1.2199% | 1,595 |
| Pretax return on assets | 0.4012% | 4,415 |
| Return on Equity (ROE) | 11.1205% | 1,587 |
| Retained earnings to average equity (ytd only) | 10.2017% | 552 |
| Net charge-offs to loans | 0.0151% | 2,812 |
| Credit loss provision to net charge-offs | 1,430.0000% | 582 |
| Earnings coverage of net charge-offs (x) | 45.1500% | 1,286 |
| Efficiency ratio | 81.7206% | 766 |
| Assets per employee ($millions) | 8.6909% | 833 |
| Cash dividends to net income (ytd only)* | 8.2623% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 2,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 83.1504% | 223 |
| Net loans and leases to deposits | 107.7447% | 199 |
| Net loans and leases to core deposits | 130.6122% | 197 |
| Total domestic deposits to total assets | 77.1736% | 4,394 |
| Equity capital to assets | 11.6091% | 1,802 |
| Core capital (leverage) ratio | 9.7804% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4852% | 1,683 |
| Memoranda: | ||
| Average total assets | $153,787,600 | 3,358 |
| Average earning assets | $146,045,400 | 3,314 |
| Average equity | $16,869,800 | 3,462 |
| Average total loans | $132,636,600 | 2,834 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2159% | 2,351 |
| Cost of funding earning assets | 1.2389% | 315 |
| Net interest margin | 2.9770% | 4,029 |
| Noninterest income to average assets | 0.2778% | 3,816 |
| Noninterest expense to average assets | 2.6226% | 2,471 |
| Loan and lease loss provision to assets | 0.1933% | 2,045 |
| Net operating income to assets | 0.2151% | 4,566 |
| Return on assets (ROA) | 0.2151% | 4,610 |
| Pretax return on assets | 0.2969% | 4,553 |
| Return on Equity (ROE) | 1.9902% | 4,549 |
| Retained earnings to average equity (ytd only) | 1.9902% | 3,933 |
| Net charge-offs to loans | 0.0171% | 2,529 |
| Credit loss provision to net charge-offs | 1,305.8824% | 691 |
| Earnings coverage of net charge-offs (x) | 33.1176% | 1,508 |
| Efficiency ratio | 84.2517% | 587 |
| Assets per employee ($millions) | 8.6373% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,408 |
| Loan loss allowance to noncurrent loans | 2,084.1463% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,177 |
| Noncurrent loans to loans | 0.0598% | 4,136 |
| Net loans and leases to total assets | 87.0805% | 103 |
| Net loans and leases to deposits | 112.7072% | 187 |
| Net loans and leases to core deposits | 136.2145% | 182 |
| Total domestic deposits to total assets | 77.2626% | 4,292 |
| Equity capital to assets | 10.7409% | 2,595 |
| Core capital (leverage) ratio | 9.6006% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1418% | 1,467 |
| Memoranda: | ||
| Average total assets | $153,125,250 | 3,345 |
| Average earning assets | $145,825,750 | 3,295 |
| Average equity | $16,547,000 | 3,501 |
| Average total loans | $132,833,750 | 2,843 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2565% | 2,592 |
| Cost of funding earning assets | 1.3333% | 314 |
| Net interest margin | 2.9232% | 4,272 |
| Noninterest income to average assets | 0.2914% | 3,723 |
| Noninterest expense to average assets | 2.6860% | 2,427 |
| Loan and lease loss provision to assets | 0.1654% | 2,343 |
| Net operating income to assets | 0.1615% | 4,621 |
| Return on assets (ROA) | 0.1615% | 4,658 |
| Pretax return on assets | 0.2206% | 4,614 |
| Return on Equity (ROE) | 1.4912% | 4,618 |
| Retained earnings to average equity (ytd only) | 1.4912% | 3,939 |
| Net charge-offs to loans | 0.0244% | 2,227 |
| Credit loss provision to net charge-offs | 787.5000% | 926 |
| Earnings coverage of net charge-offs (x) | 18.3750% | 1,769 |
| Efficiency ratio | 87.4359% | 481 |
| Assets per employee ($millions) | 8.0040% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 2,709 |
| Loan loss allowance to noncurrent loans | 6,456.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,484 |
| Noncurrent loans to loans | 0.0180% | 4,428 |
| Net loans and leases to total assets | 85.6271% | 152 |
| Net loans and leases to deposits | 111.2427% | 207 |
| Net loans and leases to core deposits | 133.4752% | 223 |
| Total domestic deposits to total assets | 76.9732% | 4,320 |
| Equity capital to assets | 10.3624% | 2,872 |
| Core capital (leverage) ratio | 9.4686% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4230% | 1,656 |
| Memoranda: | ||
| Average total assets | $152,343,333 | 3,330 |
| Average earning assets | $144,908,667 | 3,280 |
| Average equity | $16,496,333 | 3,504 |
| Average total loans | $131,413,667 | 2,849 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 2,519 |
| Cost of funding earning assets | 1.4452% | 331 |
| Net interest margin | 2.9808% | 4,315 |
| Noninterest income to average assets | 0.3421% | 3,470 |
| Noninterest expense to average assets | 2.8287% | 2,346 |
| Loan and lease loss provision to assets | 0.0808% | 2,698 |
| Net operating income to assets | 0.2021% | 4,528 |
| Return on assets (ROA) | 0.2021% | 4,539 |
| Pretax return on assets | 0.2721% | 4,493 |
| Return on Equity (ROE) | 1.8237% | 4,479 |
| Retained earnings to average equity (ytd only) | 1.8237% | 3,505 |
| Net charge-offs to loans | 0.0157% | 2,056 |
| Credit loss provision to net charge-offs | 600.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 26.2000% | 1,260 |
| Efficiency ratio | 88.9077% | 540 |
| Assets per employee ($millions) | 7.1380% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 2,709 |
| Loan loss allowance to noncurrent loans | 76,450.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,648 |
| Noncurrent loans to loans | 0.0016% | 4,581 |
| Net loans and leases to total assets | 84.5349% | 230 |
| Net loans and leases to deposits | 111.2109% | 171 |
| Net loans and leases to core deposits | 136.0442% | 203 |
| Total domestic deposits to total assets | 76.0132% | 4,485 |
| Equity capital to assets | 11.0254% | 2,834 |
| Core capital (leverage) ratio | 10.0947% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7355% | 1,674 |
| Memoranda: | ||
| Average total assets | $148,475,500 | 3,344 |
| Average earning assets | $141,438,500 | 3,289 |
| Average equity | $16,450,500 | 3,517 |
| Average total loans | $127,778,000 | 2,858 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 3,280 |
| Cost of funding earning assets | 1.4922% | 406 |
| Net interest margin | 2.8971% | 4,663 |
| Noninterest income to average assets | 0.4469% | 3,017 |
| Noninterest expense to average assets | 2.6473% | 3,037 |
| Loan and lease loss provision to assets | 0.0125% | 3,764 |
| Net operating income to assets | 2.1948% | 223 |
| Return on assets (ROA) | 2.1948% | 236 |
| Pretax return on assets | 0.5748% | 4,455 |
| Return on Equity (ROE) | 21.2251% | 157 |
| Retained earnings to average equity (ytd only) | 19.3365% | 37 |
| Net charge-offs to loans | 0.0105% | 3,314 |
| Credit loss provision to net charge-offs | 138.4615% | 1,858 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 933 |
| Efficiency ratio | 81.8436% | 807 |
| Assets per employee ($millions) | 7.3843% | 905 |
| Cash dividends to net income (ytd only)* | 8.8980% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,545 |
| Loan loss allowance to noncurrent loans | 7,161.9048% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 3,951 |
| Noncurrent loans to loans | 0.0165% | 4,510 |
| Net loans and leases to total assets | 85.1854% | 229 |
| Net loans and leases to deposits | 109.6425% | 197 |
| Net loans and leases to core deposits | 135.0618% | 223 |
| Total domestic deposits to total assets | 77.6937% | 4,407 |
| Equity capital to assets | 11.5205% | 2,515 |
| Core capital (leverage) ratio | 10.3419% | 3,145 |
| Tier 1 risk-based capital ratio | 14.3094% | 3,114 |
| Total risk-based capital ratio | 15.5625% | 3,028 |
| Memoranda: | ||
| Average total assets | $143,883,800 | 3,379 |
| Average earning assets | $138,450,200 | 3,304 |
| Average equity | $14,878,600 | 3,650 |
| Average total loans | $124,391,600 | 2,887 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 3,419 |
| Cost of funding earning assets | 1.4846% | 428 |
| Net interest margin | 2.8967% | 4,759 |
| Noninterest income to average assets | 0.4477% | 3,033 |
| Noninterest expense to average assets | 2.6501% | 3,015 |
| Loan and lease loss provision to assets | 0.0168% | 3,577 |
| Net operating income to assets | 0.5625% | 4,383 |
| Return on assets (ROA) | 0.5625% | 4,432 |
| Pretax return on assets | 0.5783% | 4,582 |
| Return on Equity (ROE) | 5.6047% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.6047% | 2,567 |
| Net charge-offs to loans | 0.0011% | 3,420 |
| Credit loss provision to net charge-offs | 1,800.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 639.5865% | 154 |
| Efficiency ratio | 81.6614% | 781 |
| Assets per employee ($millions) | 7.6663% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,574 |
| Loan loss allowance to noncurrent loans | 701.8519% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 4,005 |
| Noncurrent loans to loans | 0.1691% | 3,934 |
| Net loans and leases to total assets | 86.6326% | 155 |
| Net loans and leases to deposits | 111.1044% | 201 |
| Net loans and leases to core deposits | 138.5337% | 202 |
| Total domestic deposits to total assets | 77.9740% | 4,355 |
| Equity capital to assets | 10.1133% | 3,904 |
| Core capital (leverage) ratio | 10.2650% | 3,348 |
| Tier 1 risk-based capital ratio | 14.9207% | 2,891 |
| Total risk-based capital ratio | 16.1746% | 2,815 |
| Memoranda: | ||
| Average total assets | $142,933,500 | 3,430 |
| Average earning assets | $138,038,750 | 3,343 |
| Average equity | $14,344,750 | 3,737 |
| Average total loans | $123,662,000 | 2,929 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 3,506 |
| Cost of funding earning assets | 1.4597% | 434 |
| Net interest margin | 2.8844% | 4,838 |
| Noninterest income to average assets | 0.4464% | 2,978 |
| Noninterest expense to average assets | 2.7122% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5070% | 4,514 |
| Return on assets (ROA) | 0.5070% | 4,550 |
| Pretax return on assets | 0.5196% | 4,668 |
| Return on Equity (ROE) | 5.0647% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.0647% | 2,740 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9216% | 656 |
| Assets per employee ($millions) | 7.7278% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 2,437 |
| Loan loss allowance to noncurrent loans | 823.6264% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 4,131 |
| Noncurrent loans to loans | 0.1477% | 4,022 |
| Net loans and leases to total assets | 82.9065% | 486 |
| Net loans and leases to deposits | 107.3154% | 294 |
| Net loans and leases to core deposits | 132.2778% | 281 |
| Total domestic deposits to total assets | 77.2550% | 4,526 |
| Equity capital to assets | 9.8551% | 4,090 |
| Core capital (leverage) ratio | 10.3025% | 3,284 |
| Tier 1 risk-based capital ratio | 15.1207% | 2,782 |
| Total risk-based capital ratio | 16.3742% | 2,709 |
| Memoranda: | ||
| Average total assets | $142,024,670 | 3,466 |
| Average earning assets | $137,153,670 | 3,374 |
| Average equity | $14,216,000 | 3,760 |
| Average total loans | $122,314,330 | 2,955 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3932% | 3,251 |
| Cost of funding earning assets | 1.4634% | 370 |
| Net interest margin | 2.9298% | 4,850 |
| Noninterest income to average assets | 0.4727% | 2,719 |
| Noninterest expense to average assets | 2.8104% | 2,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4842% | 4,562 |
| Return on assets (ROA) | 0.4842% | 4,584 |
| Pretax return on assets | 0.4956% | 4,697 |
| Return on Equity (ROE) | 4.7981% | 4,384 |
| Retained earnings to average equity (ytd only) | 4.7981% | 2,996 |
| Net charge-offs to loans | 0.0098% | 2,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 933 |
| Efficiency ratio | 85.0087% | 644 |
| Assets per employee ($millions) | 7.3036% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,385 |
| Loan loss allowance to noncurrent loans | 821.9780% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 2,969 |
| Noncurrent loans to loans | 0.1508% | 4,061 |
| Net loans and leases to total assets | 85.9061% | 195 |
| Net loans and leases to deposits | 112.5588% | 168 |
| Net loans and leases to core deposits | 139.8042% | 191 |
| Total domestic deposits to total assets | 76.3211% | 4,728 |
| Equity capital to assets | 10.2393% | 3,584 |
| Core capital (leverage) ratio | 10.1537% | 3,437 |
| Tier 1 risk-based capital ratio | 15.6656% | 2,579 |
| Total risk-based capital ratio | 16.9203% | 2,502 |
| Memoranda: | ||
| Average total assets | $139,623,000 | 3,536 |
| Average earning assets | $135,026,000 | 3,439 |
| Average equity | $14,089,000 | 3,787 |
| Average total loans | $121,857,000 | 2,997 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 3,239 |
| Cost of funding earning assets | 1.2435% | 287 |
| Net interest margin | 3.0177% | 4,781 |
| Noninterest income to average assets | 0.3042% | 4,075 |
| Noninterest expense to average assets | 2.6525% | 3,174 |
| Loan and lease loss provision to assets | 0.0189% | 3,784 |
| Net operating income to assets | 0.5189% | 4,620 |
| Return on assets (ROA) | 0.5189% | 4,621 |
| Pretax return on assets | 0.5501% | 4,721 |
| Return on Equity (ROE) | 5.2491% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.2491% | 2,630 |
| Net charge-offs to loans | 0.0050% | 3,540 |
| Credit loss provision to net charge-offs | 433.3333% | 779 |
| Earnings coverage of net charge-offs (x) | 130.3333% | 616 |
| Efficiency ratio | 82.3357% | 770 |
| Assets per employee ($millions) | 7.3935% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,476 |
| Loan loss allowance to noncurrent loans | 753.2663% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 2,908 |
| Noncurrent loans to loans | 0.1618% | 4,015 |
| Net loans and leases to total assets | 86.4967% | 207 |
| Net loans and leases to deposits | 113.2245% | 175 |
| Net loans and leases to core deposits | 138.6239% | 210 |
| Total domestic deposits to total assets | 76.3940% | 4,704 |
| Equity capital to assets | 9.9440% | 3,732 |
| Core capital (leverage) ratio | 10.0880% | 3,479 |
| Tier 1 risk-based capital ratio | 15.2996% | 2,699 |
| Total risk-based capital ratio | 16.5526% | 2,622 |
| Memoranda: | ||
| Average total assets | $137,418,400 | 3,541 |
| Average earning assets | $132,850,200 | 3,454 |
| Average equity | $13,583,400 | 3,804 |
| Average total loans | $120,464,000 | 2,986 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 3,161 |
| Cost of funding earning assets | 1.2052% | 248 |
| Net interest margin | 3.0407% | 4,794 |
| Noninterest income to average assets | 0.2995% | 4,146 |
| Noninterest expense to average assets | 2.6499% | 3,122 |
| Loan and lease loss provision to assets | 0.0254% | 3,507 |
| Net operating income to assets | 0.5288% | 4,698 |
| Return on assets (ROA) | 0.5288% | 4,703 |
| Pretax return on assets | 0.5610% | 4,798 |
| Return on Equity (ROE) | 5.3581% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.3581% | 3,024 |
| Net charge-offs to loans | 0.0056% | 3,237 |
| Credit loss provision to net charge-offs | 520.0000% | 673 |
| Earnings coverage of net charge-offs (x) | 120.1364% | 656 |
| Efficiency ratio | 81.8812% | 781 |
| Assets per employee ($millions) | 7.4496% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,436 |
| Loan loss allowance to noncurrent loans | 824.1758% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 3,100 |
| Noncurrent loans to loans | 0.1496% | 4,216 |
| Net loans and leases to total assets | 84.8688% | 369 |
| Net loans and leases to deposits | 109.1024% | 316 |
| Net loans and leases to core deposits | 132.9272% | 285 |
| Total domestic deposits to total assets | 77.7882% | 4,513 |
| Equity capital to assets | 9.6939% | 3,919 |
| Core capital (leverage) ratio | 10.1378% | 3,483 |
| Tier 1 risk-based capital ratio | 15.2452% | 2,764 |
| Total risk-based capital ratio | 16.5014% | 2,687 |
| Memoranda: | ||
| Average total assets | $136,653,750 | 3,590 |
| Average earning assets | $131,985,750 | 3,504 |
| Average equity | $13,487,000 | 3,849 |
| Average total loans | $119,828,250 | 3,023 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 3,080 |
| Cost of funding earning assets | 1.1960% | 186 |
| Net interest margin | 3.0170% | 4,854 |
| Noninterest income to average assets | 0.2903% | 4,240 |
| Noninterest expense to average assets | 2.6306% | 3,219 |
| Loan and lease loss provision to assets | 0.0385% | 3,140 |
| Net operating income to assets | 0.5007% | 4,751 |
| Return on assets (ROA) | 0.5007% | 4,753 |
| Pretax return on assets | 0.5318% | 4,850 |
| Return on Equity (ROE) | 5.0414% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.0414% | 3,056 |
| Net charge-offs to loans | 0.0067% | 2,897 |
| Credit loss provision to net charge-offs | 650.0000% | 593 |
| Earnings coverage of net charge-offs (x) | 96.2500% | 715 |
| Efficiency ratio | 82.1842% | 818 |
| Assets per employee ($millions) | 7.6952% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,490 |
| Loan loss allowance to noncurrent loans | 824.7253% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 3,113 |
| Noncurrent loans to loans | 0.1503% | 4,228 |
| Net loans and leases to total assets | 86.3494% | 239 |
| Net loans and leases to deposits | 115.9771% | 160 |
| Net loans and leases to core deposits | 154.6236% | 99 |
| Total domestic deposits to total assets | 74.4538% | 5,007 |
| Equity capital to assets | 9.7788% | 3,841 |
| Core capital (leverage) ratio | 10.0236% | 3,553 |
| Tier 1 risk-based capital ratio | 13.3882% | 3,678 |
| Total risk-based capital ratio | 14.6424% | 3,595 |
| Memoranda: | ||
| Average total assets | $135,024,330 | 3,632 |
| Average earning assets | $130,263,670 | 3,549 |
| Average equity | $13,409,000 | 3,882 |
| Average total loans | $119,229,330 | 3,045 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 2,993 |
| Cost of funding earning assets | 1.1770% | 156 |
| Net interest margin | 2.9923% | 4,895 |
| Noninterest income to average assets | 0.2011% | 4,819 |
| Noninterest expense to average assets | 2.6381% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4262% | 4,871 |
| Return on assets (ROA) | 0.4262% | 4,878 |
| Pretax return on assets | 0.4472% | 4,960 |
| Return on Equity (ROE) | 4.2576% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.2576% | 3,485 |
| Net charge-offs to loans | 0.0135% | 2,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 1,106 |
| Efficiency ratio | 85.5058% | 678 |
| Assets per employee ($millions) | 7.7960% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,584 |
| Loan loss allowance to noncurrent loans | 810.4396% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 3,138 |
| Noncurrent loans to loans | 0.1529% | 4,294 |
| Net loans and leases to total assets | 88.7114% | 100 |
| Net loans and leases to deposits | 120.9018% | 106 |
| Net loans and leases to core deposits | 159.1033% | 90 |
| Total domestic deposits to total assets | 73.3747% | 5,204 |
| Equity capital to assets | 10.0874% | 3,515 |
| Core capital (leverage) ratio | 10.1216% | 3,400 |
| Tier 1 risk-based capital ratio | 13.8400% | 3,477 |
| Total risk-based capital ratio | 15.0951% | 3,382 |
| Memoranda: | ||
| Average total assets | $133,279,500 | 3,691 |
| Average earning assets | $128,461,000 | 3,612 |
| Average equity | $13,341,000 | 3,923 |
| Average total loans | $118,290,500 | 3,088 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 3,150 |
| Cost of funding earning assets | 1.0493% | 166 |
| Net interest margin | 3.0265% | 4,827 |
| Noninterest income to average assets | 0.2113% | 4,886 |
| Noninterest expense to average assets | 2.6260% | 3,366 |
| Loan and lease loss provision to assets | 0.0881% | 2,429 |
| Net operating income to assets | 0.3937% | 4,716 |
| Return on assets (ROA) | 0.3937% | 4,728 |
| Pretax return on assets | 0.4140% | 5,072 |
| Return on Equity (ROE) | 3.8675% | 4,543 |
| Retained earnings to average equity (ytd only) | 3.8675% | 2,888 |
| Net charge-offs to loans | 0.0035% | 3,980 |
| Credit loss provision to net charge-offs | 2,825.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 455 |
| Efficiency ratio | 83.9482% | 771 |
| Assets per employee ($millions) | 8.3767% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 2,433 |
| Loan loss allowance to noncurrent loans | 786.7021% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 3,173 |
| Noncurrent loans to loans | 0.1600% | 4,289 |
| Net loans and leases to total assets | 86.5915% | 214 |
| Net loans and leases to deposits | 116.8047% | 145 |
| Net loans and leases to core deposits | 148.5042% | 141 |
| Total domestic deposits to total assets | 74.1336% | 5,171 |
| Equity capital to assets | 9.9331% | 3,778 |
| Core capital (leverage) ratio | 10.3002% | 3,071 |
| Tier 1 risk-based capital ratio | 13.5048% | 3,624 |
| Total risk-based capital ratio | 14.7576% | 3,534 |
| Memoranda: | ||
| Average total assets | $128,254,600 | 3,771 |
| Average earning assets | $123,608,600 | 3,693 |
| Average equity | $13,057,600 | 3,976 |
| Average total loans | $112,932,800 | 3,143 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 3,105 |
| Cost of funding earning assets | 1.0331% | 162 |
| Net interest margin | 3.0338% | 4,845 |
| Noninterest income to average assets | 0.2166% | 4,924 |
| Noninterest expense to average assets | 2.6685% | 3,171 |
| Loan and lease loss provision to assets | 0.0704% | 2,667 |
| Net operating income to assets | 0.3859% | 5,024 |
| Return on assets (ROA) | 0.3859% | 5,056 |
| Pretax return on assets | 0.4016% | 5,189 |
| Return on Equity (ROE) | 3.7658% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.7658% | 3,680 |
| Net charge-offs to loans | 0.0036% | 3,608 |
| Credit loss provision to net charge-offs | 2,233.3333% | 192 |
| Earnings coverage of net charge-offs (x) | 149.6625% | 535 |
| Efficiency ratio | 84.9682% | 688 |
| Assets per employee ($millions) | 8.0436% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,566 |
| Loan loss allowance to noncurrent loans | 727.9188% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 3,243 |
| Noncurrent loans to loans | 0.1735% | 4,375 |
| Net loans and leases to total assets | 87.1350% | 195 |
| Net loans and leases to deposits | 120.5545% | 93 |
| Net loans and leases to core deposits | 150.3150% | 121 |
| Total domestic deposits to total assets | 72.2785% | 5,359 |
| Equity capital to assets | 10.2628% | 3,624 |
| Core capital (leverage) ratio | 10.4841% | 3,006 |
| Tier 1 risk-based capital ratio | 14.1043% | 3,393 |
| Total risk-based capital ratio | 15.3571% | 3,303 |
| Memoranda: | ||
| Average total assets | $126,811,500 | 3,831 |
| Average earning assets | $122,219,500 | 3,747 |
| Average equity | $12,993,750 | 4,025 |
| Average total loans | $111,782,250 | 3,184 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 2,959 |
| Cost of funding earning assets | 1.0023% | 175 |
| Net interest margin | 3.0627% | 4,763 |
| Noninterest income to average assets | 0.2171% | 4,953 |
| Noninterest expense to average assets | 2.7104% | 3,058 |
| Loan and lease loss provision to assets | 0.0999% | 2,019 |
| Net operating income to assets | 0.3439% | 5,116 |
| Return on assets (ROA) | 0.3439% | 5,136 |
| Pretax return on assets | 0.3614% | 5,254 |
| Return on Equity (ROE) | 3.3585% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.3585% | 3,718 |
| Net charge-offs to loans | 0.0054% | 3,273 |
| Credit loss provision to net charge-offs | 2,100.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 667 |
| Efficiency ratio | 85.4573% | 733 |
| Assets per employee ($millions) | 8.0224% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,539 |
| Loan loss allowance to noncurrent loans | 785.7143% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 3,368 |
| Noncurrent loans to loans | 0.1624% | 4,468 |
| Net loans and leases to total assets | 86.2090% | 258 |
| Net loans and leases to deposits | 118.6072% | 111 |
| Net loans and leases to core deposits | 147.2188% | 142 |
| Total domestic deposits to total assets | 72.6844% | 5,412 |
| Equity capital to assets | 10.1668% | 3,717 |
| Core capital (leverage) ratio | 10.1343% | 3,359 |
| Tier 1 risk-based capital ratio | 14.2070% | 3,307 |
| Total risk-based capital ratio | 15.4605% | 3,225 |
| Memoranda: | ||
| Average total assets | $126,182,670 | 3,865 |
| Average earning assets | $121,721,000 | 3,773 |
| Average equity | $12,922,330 | 4,048 |
| Average total loans | $111,184,670 | 3,204 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 2,829 |
| Cost of funding earning assets | 0.9707% | 188 |
| Net interest margin | 3.0844% | 4,700 |
| Noninterest income to average assets | 0.2206% | 4,955 |
| Noninterest expense to average assets | 2.7691% | 2,892 |
| Loan and lease loss provision to assets | 0.1759% | 1,001 |
| Net operating income to assets | 0.2526% | 5,299 |
| Return on assets (ROA) | 0.2526% | 5,316 |
| Pretax return on assets | 0.2526% | 5,371 |
| Return on Equity (ROE) | 2.4575% | 5,241 |
| Retained earnings to average equity (ytd only) | 2.4575% | 4,160 |
| Net charge-offs to loans | 0.0072% | 2,718 |
| Credit loss provision to net charge-offs | 2,750.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 740 |
| Efficiency ratio | 86.6000% | 749 |
| Assets per employee ($millions) | 7.0340% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,725 |
| Loan loss allowance to noncurrent loans | 733.5052% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 3,387 |
| Noncurrent loans to loans | 0.1724% | 4,501 |
| Net loans and leases to total assets | 87.7476% | 120 |
| Net loans and leases to deposits | 122.1929% | 75 |
| Net loans and leases to core deposits | 149.8462% | 107 |
| Total domestic deposits to total assets | 71.8107% | 5,550 |
| Equity capital to assets | 10.1910% | 3,514 |
| Core capital (leverage) ratio | 10.2225% | 3,217 |
| Tier 1 risk-based capital ratio | 14.0917% | 3,418 |
| Total risk-based capital ratio | 15.3451% | 3,337 |
| Memoranda: | ||
| Average total assets | $125,094,500 | 3,917 |
| Average earning assets | $120,737,000 | 3,828 |
| Average equity | $12,858,500 | 4,078 |
| Average total loans | $110,733,500 | 3,238 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 3,202 |
| Cost of funding earning assets | 0.9215% | 265 |
| Net interest margin | 3.0771% | 4,783 |
| Noninterest income to average assets | 0.2661% | 4,827 |
| Noninterest expense to average assets | 2.9290% | 2,563 |
| Loan and lease loss provision to assets | 0.1853% | 1,272 |
| Net operating income to assets | 0.1121% | 5,546 |
| Return on assets (ROA) | 0.1265% | 5,560 |
| Pretax return on assets | 0.1317% | 5,561 |
| Return on Equity (ROE) | 1.1751% | 5,539 |
| Retained earnings to average equity (ytd only) | 1.1751% | 4,818 |
| Net charge-offs to loans | 0.0072% | 4,015 |
| Credit loss provision to net charge-offs | 3,014.2857% | 141 |
| Earnings coverage of net charge-offs (x) | 49.1429% | 1,017 |
| Efficiency ratio | 90.6496% | 518 |
| Assets per employee ($millions) | 6.8654% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 4,047 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 87.0510% | 180 |
| Net loans and leases to deposits | 122.0875% | 73 |
| Net loans and leases to core deposits | 139.0541% | 184 |
| Total domestic deposits to total assets | 71.3021% | 5,601 |
| Equity capital to assets | 10.3692% | 3,309 |
| Core capital (leverage) ratio | 10.7649% | 2,570 |
| Tier 1 risk-based capital ratio | 13.8326% | 3,558 |
| Total risk-based capital ratio | 15.0844% | 3,463 |
| Memoranda: | ||
| Average total assets | $113,860,200 | 4,093 |
| Average earning assets | $109,714,400 | 4,008 |
| Average equity | $12,253,800 | 4,210 |
| Average total loans | $97,161,000 | 3,438 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 3,365 |
| Cost of funding earning assets | 0.9157% | 267 |
| Net interest margin | 3.0454% | 4,911 |
| Noninterest income to average assets | 0.2716% | 4,831 |
| Noninterest expense to average assets | 2.9722% | 2,394 |
| Loan and lease loss provision to assets | 0.1651% | 1,382 |
| Net operating income to assets | 0.0670% | 5,662 |
| Return on assets (ROA) | 0.0873% | 5,686 |
| Pretax return on assets | 0.0873% | 5,691 |
| Return on Equity (ROE) | 0.8035% | 5,664 |
| Retained earnings to average equity (ytd only) | 0.8035% | 5,146 |
| Net charge-offs to loans | 0.0085% | 3,632 |
| Credit loss provision to net charge-offs | 2,300.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 32.3325% | 1,418 |
| Efficiency ratio | 92.7558% | 437 |
| Assets per employee ($millions) | 6.1794% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 2,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 4,109 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 85.9141% | 259 |
| Net loans and leases to deposits | 121.9444% | 94 |
| Net loans and leases to core deposits | 132.3979% | 270 |
| Total domestic deposits to total assets | 70.4535% | 5,670 |
| Equity capital to assets | 10.3724% | 3,719 |
| Core capital (leverage) ratio | 10.4173% | 3,089 |
| Tier 1 risk-based capital ratio | 14.3460% | 3,368 |
| Total risk-based capital ratio | 15.5990% | 3,305 |
| Memoranda: | ||
| Average total assets | $111,431,000 | 4,165 |
| Average earning assets | $107,305,500 | 4,081 |
| Average equity | $12,113,750 | 4,270 |
| Average total loans | $94,215,000 | 3,513 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 3,503 |
| Cost of funding earning assets | 0.9022% | 287 |
| Net interest margin | 3.0258% | 5,028 |
| Noninterest income to average assets | 0.2760% | 4,809 |
| Noninterest expense to average assets | 2.9935% | 2,372 |
| Loan and lease loss provision to assets | 0.1206% | 1,889 |
| Net operating income to assets | 0.0731% | 5,701 |
| Return on assets (ROA) | 0.0731% | 5,737 |
| Pretax return on assets | 0.0731% | 5,747 |
| Return on Equity (ROE) | 0.6616% | 5,735 |
| Retained earnings to average equity (ytd only) | 0.6616% | 5,109 |
| Net charge-offs to loans | 0.0044% | 3,553 |
| Credit loss provision to net charge-offs | 3,300.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 960 |
| Efficiency ratio | 93.9220% | 422 |
| Assets per employee ($millions) | 5.9828% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,918 |
| Loan loss allowance to noncurrent loans | 11,181.8182% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 4,114 |
| Noncurrent loans to loans | 0.0114% | 5,454 |
| Net loans and leases to total assets | 83.7342% | 441 |
| Net loans and leases to deposits | 115.1331% | 158 |
| Net loans and leases to core deposits | 124.9823% | 392 |
| Total domestic deposits to total assets | 72.7282% | 5,621 |
| Equity capital to assets | 10.6937% | 3,407 |
| Core capital (leverage) ratio | 10.8577% | 2,585 |
| Tier 1 risk-based capital ratio | 15.1104% | 3,028 |
| Total risk-based capital ratio | 16.3637% | 2,957 |
| Memoranda: | ||
| Average total assets | $109,438,670 | 4,237 |
| Average earning assets | $105,293,330 | 4,146 |
| Average equity | $12,092,330 | 4,301 |
| Average total loans | $91,564,000 | 3,574 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9093% | 3,555 |
| Cost of funding earning assets | 0.8735% | 332 |
| Net interest margin | 3.0358% | 5,032 |
| Noninterest income to average assets | 0.2795% | 4,712 |
| Noninterest expense to average assets | 3.0973% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0969% | 5,685 |
| Return on assets (ROA) | 0.0969% | 5,727 |
| Pretax return on assets | 0.0969% | 5,736 |
| Return on Equity (ROE) | 0.8623% | 5,716 |
| Retained earnings to average equity (ytd only) | 0.8623% | 4,879 |
| Net charge-offs to loans | 0.0045% | 2,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,280 |
| Efficiency ratio | 96.9662% | 375 |
| Assets per employee ($millions) | 6.1483% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 2,839 |
| Loan loss allowance to noncurrent loans | 9,708.3333% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 4,150 |
| Noncurrent loans to loans | 0.0135% | 5,466 |
| Net loans and leases to total assets | 79.1414% | 930 |
| Net loans and leases to deposits | 110.3100% | 223 |
| Net loans and leases to core deposits | 119.3256% | 482 |
| Total domestic deposits to total assets | 71.7446% | 5,788 |
| Equity capital to assets | 10.9299% | 3,021 |
| Core capital (leverage) ratio | 11.2060% | 2,220 |
| Tier 1 risk-based capital ratio | 16.2250% | 2,579 |
| Total risk-based capital ratio | 17.4793% | 2,534 |
| Memoranda: | ||
| Average total assets | $107,321,000 | 4,321 |
| Average earning assets | $103,035,500 | 4,235 |
| Average equity | $12,060,500 | 4,322 |
| Average total loans | $89,139,000 | 3,639 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 3,961 |
| Cost of funding earning assets | 0.7809% | 544 |
| Net interest margin | 3.0450% | 5,038 |
| Noninterest income to average assets | 0.4636% | 3,573 |
| Noninterest expense to average assets | 3.9369% | 728 |
| Loan and lease loss provision to assets | 0.3709% | 383 |
| Net operating income to assets | -0.9204% | 6,097 |
| Return on assets (ROA) | -0.9204% | 6,101 |
| Pretax return on assets | -0.9204% | 6,095 |
| Return on Equity (ROE) | -6.9285% | 6,071 |
| Retained earnings to average equity (ytd only) | -6.9285% | 5,975 |
| Net charge-offs to loans | 0.1685% | 1,678 |
| Credit loss provision to net charge-offs | 257.1429% | 1,117 |
| Earnings coverage of net charge-offs (x) | -3.8095% | 4,388 |
| Efficiency ratio | 116.2217% | 104 |
| Assets per employee ($millions) | 6.1161% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 4,129 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 84.9855% | 311 |
| Net loans and leases to deposits | 116.7960% | 133 |
| Net loans and leases to core deposits | 126.8639% | 317 |
| Total domestic deposits to total assets | 72.7641% | 5,749 |
| Equity capital to assets | 11.5655% | 2,310 |
| Core capital (leverage) ratio | 12.1319% | 1,541 |
| Tier 1 risk-based capital ratio | 16.2708% | 2,575 |
| Total risk-based capital ratio | 17.5274% | 2,532 |
| Memoranda: | ||
| Average total assets | $87,353,000 | 4,724 |
| Average earning assets | $83,875,200 | 4,638 |
| Average equity | $11,604,200 | 4,369 |
| Average total loans | $74,773,600 | 3,976 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7224% | 4,354 |
| Cost of funding earning assets | 0.7505% | 644 |
| Net interest margin | 2.9719% | 5,266 |
| Noninterest income to average assets | 0.4760% | 3,527 |
| Noninterest expense to average assets | 4.1314% | 573 |
| Loan and lease loss provision to assets | 0.3766% | 339 |
| Net operating income to assets | -1.1763% | 6,203 |
| Return on assets (ROA) | -1.1763% | 6,202 |
| Pretax return on assets | -1.1763% | 6,199 |
| Return on Equity (ROE) | -8.5107% | 6,169 |
| Retained earnings to average equity (ytd only) | -8.5107% | 6,101 |
| Net charge-offs to loans | 0.2382% | 1,101 |
| Credit loss provision to net charge-offs | 185.0394% | 1,432 |
| Earnings coverage of net charge-offs (x) | -3.9291% | 4,114 |
| Efficiency ratio | 124.0019% | 86 |
| Assets per employee ($millions) | 5.2917% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 3,099 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 4,291 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 85.8100% | 241 |
| Net loans and leases to deposits | 123.9972% | 71 |
| Net loans and leases to core deposits | 134.7612% | 218 |
| Total domestic deposits to total assets | 69.2031% | 5,999 |
| Equity capital to assets | 12.7475% | 1,589 |
| Core capital (leverage) ratio | 13.5252% | 1,008 |
| Tier 1 risk-based capital ratio | 16.8896% | 2,414 |
| Total risk-based capital ratio | 18.1445% | 2,368 |
| Memoranda: | ||
| Average total assets | $83,198,000 | 4,864 |
| Average earning assets | $79,945,750 | 4,778 |
| Average equity | $11,499,000 | 4,438 |
| Average total loans | $71,085,000 | 4,107 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 4,464 |
| Cost of funding earning assets | 0.7566% | 623 |
| Net interest margin | 2.9239% | 5,400 |
| Noninterest income to average assets | 0.5026% | 3,356 |
| Noninterest expense to average assets | 4.3344% | 482 |
| Loan and lease loss provision to assets | 0.2172% | 874 |
| Net operating income to assets | -1.2377% | 6,278 |
| Return on assets (ROA) | -1.2377% | 6,278 |
| Pretax return on assets | -1.2377% | 6,272 |
| Return on Equity (ROE) | -8.6843% | 6,246 |
| Retained earnings to average equity (ytd only) | -8.6843% | 6,152 |
| Net charge-offs to loans | 0.3751% | 695 |
| Credit loss provision to net charge-offs | 68.2540% | 2,478 |
| Earnings coverage of net charge-offs (x) | -3.2063% | 3,802 |
| Efficiency ratio | 130.7927% | 76 |
| Assets per employee ($millions) | 4.3868% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 3,256 |
| Loan loss allowance to noncurrent loans | 264.3875% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 4,229 |
| Noncurrent loans to loans | 0.4906% | 4,003 |
| Net loans and leases to total assets | 84.7307% | 319 |
| Net loans and leases to deposits | 118.6064% | 109 |
| Net loans and leases to core deposits | 129.2444% | 283 |
| Total domestic deposits to total assets | 71.4385% | 5,963 |
| Equity capital to assets | 14.8494% | 729 |
| Core capital (leverage) ratio | 15.3681% | 567 |
| Tier 1 risk-based capital ratio | 19.6987% | 1,621 |
| Total risk-based capital ratio | 20.9514% | 1,582 |
| Memoranda: | ||
| Average total assets | $79,180,670 | 4,995 |
| Average earning assets | $76,132,330 | 4,919 |
| Average equity | $11,284,670 | 4,511 |
| Average total loans | $67,176,670 | 4,239 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6601% | 4,500 |
| Cost of funding earning assets | 0.7601% | 621 |
| Net interest margin | 2.9001% | 5,455 |
| Noninterest income to average assets | 0.5085% | 3,227 |
| Noninterest expense to average assets | 4.3841% | 464 |
| Loan and lease loss provision to assets | 0.2023% | 909 |
| Net operating income to assets | -1.2867% | 6,338 |
| Return on assets (ROA) | -1.2867% | 6,342 |
| Pretax return on assets | -1.2867% | 6,334 |
| Return on Equity (ROE) | -9.2378% | 6,311 |
| Retained earnings to average equity (ytd only) | -9.2378% | 6,113 |
| Net charge-offs to loans | 0.7755% | 301 |
| Credit loss provision to net charge-offs | 30.9524% | 2,270 |
| Earnings coverage of net charge-offs (x) | -1.6587% | 3,197 |
| Efficiency ratio | 132.8616% | 78 |
| Assets per employee ($millions) | 4.1084% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 3,205 |
| Loan loss allowance to noncurrent loans | 250.9972% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 4,237 |
| Noncurrent loans to loans | 0.5328% | 3,977 |
| Net loans and leases to total assets | 83.2642% | 357 |
| Net loans and leases to deposits | 115.9380% | 136 |
| Net loans and leases to core deposits | 126.5252% | 292 |
| Total domestic deposits to total assets | 71.8178% | 6,044 |
| Equity capital to assets | 13.6088% | 1,126 |
| Core capital (leverage) ratio | 13.6754% | 911 |
| Tier 1 risk-based capital ratio | 18.6765% | 1,955 |
| Total risk-based capital ratio | 19.9255% | 1,910 |
| Memoranda: | ||
| Average total assets | $77,096,000 | 5,086 |
| Average earning assets | $74,205,000 | 4,999 |
| Average equity | $10,738,500 | 4,655 |
| Average total loans | $64,989,500 | 4,334 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7126% | 4,744 |
| Cost of funding earning assets | 0.8262% | 567 |
| Net interest margin | 2.8864% | 5,673 |
| Noninterest income to average assets | -0.3819% | 6,487 |
| Noninterest expense to average assets | 5.3580% | 249 |
| Loan and lease loss provision to assets | 0.3996% | 442 |
| Net operating income to assets | -3.3734% | 6,481 |
| Return on assets (ROA) | -3.3734% | 6,481 |
| Pretax return on assets | -3.3734% | 6,482 |
| Return on Equity (ROE) | -26.7928% | 6,463 |
| Retained earnings to average equity (ytd only) | -26.7928% | 6,454 |
| Net charge-offs to loans | 0.0071% | 4,782 |
| Credit loss provision to net charge-offs | 6,775.0000% | 43 |
| Earnings coverage of net charge-offs (x) | -504.2500% | 4,966 |
| Efficiency ratio | 224.7372% | 15 |
| Assets per employee ($millions) | 4.2296% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 2,426 |
| Loan loss allowance to noncurrent loans | 203.3613% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 3,711 |
| Noncurrent loans to loans | 0.7426% | 3,463 |
| Net loans and leases to total assets | 82.9270% | 435 |
| Net loans and leases to deposits | 117.4870% | 119 |
| Net loans and leases to core deposits | 124.8349% | 304 |
| Total domestic deposits to total assets | 70.5840% | 6,171 |
| Equity capital to assets | 14.2568% | 882 |
| Core capital (leverage) ratio | 14.7437% | 657 |
| Tier 1 risk-based capital ratio | 19.8935% | 1,614 |
| Total risk-based capital ratio | 21.1495% | 1,587 |
| Memoranda: | ||
| Average total assets | $67,823,800 | 5,351 |
| Average earning assets | $64,995,200 | 5,251 |
| Average equity | $8,539,600 | 5,076 |
| Average total loans | $56,683,600 | 4,593 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 4,882 |
| Cost of funding earning assets | 0.8560% | 526 |
| Net interest margin | 2.8370% | 5,810 |
| Noninterest income to average assets | -0.5759% | 6,576 |
| Noninterest expense to average assets | 5.5545% | 225 |
| Loan and lease loss provision to assets | 0.2251% | 1,005 |
| Net operating income to assets | -3.6401% | 6,566 |
| Return on assets (ROA) | -3.6401% | 6,566 |
| Pretax return on assets | -3.6401% | 6,566 |
| Return on Equity (ROE) | -30.0624% | 6,538 |
| Retained earnings to average equity (ytd only) | -30.0624% | 6,530 |
| Net charge-offs to loans | 0.0073% | 4,457 |
| Credit loss provision to net charge-offs | 3,700.0000% | 99 |
| Earnings coverage of net charge-offs (x) | -561.3200% | 4,694 |
| Efficiency ratio | 259.6209% | 10 |
| Assets per employee ($millions) | 4.1706% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 3,597 |
| Loan loss allowance to noncurrent loans | 169.9580% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 3,824 |
| Noncurrent loans to loans | 0.7707% | 3,657 |
| Net loans and leases to total assets | 85.9748% | 199 |
| Net loans and leases to deposits | 111.7206% | 186 |
| Net loans and leases to core deposits | 119.7513% | 401 |
| Total domestic deposits to total assets | 76.9552% | 5,683 |
| Equity capital to assets | 11.7502% | 2,263 |
| Core capital (leverage) ratio | 12.1982% | 1,574 |
| Tier 1 risk-based capital ratio | 16.1944% | 2,960 |
| Total risk-based capital ratio | 17.4488% | 2,913 |
| Memoranda: | ||
| Average total assets | $65,746,750 | 5,460 |
| Average earning assets | $62,928,750 | 5,370 |
| Average equity | $7,961,000 | 5,251 |
| Average total loans | $54,829,000 | 4,695 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7429% | 4,721 |
| Cost of funding earning assets | 0.8826% | 469 |
| Net interest margin | 2.8603% | 5,797 |
| Noninterest income to average assets | 0.1843% | 5,847 |
| Noninterest expense to average assets | 5.7162% | 206 |
| Loan and lease loss provision to assets | 0.1812% | 1,353 |
| Net operating income to assets | -2.9799% | 6,626 |
| Return on assets (ROA) | -2.9799% | 6,626 |
| Pretax return on assets | -2.9799% | 6,623 |
| Return on Equity (ROE) | -24.3440% | 6,594 |
| Retained earnings to average equity (ytd only) | -24.3440% | 6,562 |
| Net charge-offs to loans | 0.0038% | 4,251 |
| Credit loss provision to net charge-offs | 5,800.0000% | 62 |
| Earnings coverage of net charge-offs (x) | -896.0000% | 4,373 |
| Efficiency ratio | 195.9315% | 22 |
| Assets per employee ($millions) | 3.3342% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 3,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 80.2237% | 662 |
| Net loans and leases to deposits | 96.4160% | 771 |
| Net loans and leases to core deposits | 104.1573% | 1,005 |
| Total domestic deposits to total assets | 83.2057% | 4,224 |
| Equity capital to assets | 13.1195% | 1,312 |
| Core capital (leverage) ratio | 13.7098% | 915 |
| Tier 1 risk-based capital ratio | 19.2528% | 1,865 |
| Total risk-based capital ratio | 20.5086% | 1,824 |
| Memoranda: | ||
| Average total assets | $64,028,670 | 5,562 |
| Average earning assets | $61,182,670 | 5,477 |
| Average equity | $7,837,670 | 5,304 |
| Average total loans | $52,516,670 | 4,807 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 4,948 |
| Cost of funding earning assets | 0.8861% | 486 |
| Net interest margin | 2.7820% | 5,972 |
| Noninterest income to average assets | 0.1638% | 5,994 |
| Noninterest expense to average assets | 5.7935% | 205 |
| Loan and lease loss provision to assets | 0.1049% | 2,175 |
| Net operating income to assets | -3.0868% | 6,693 |
| Return on assets (ROA) | -3.0868% | 6,692 |
| Pretax return on assets | -3.0803% | 6,690 |
| Return on Equity (ROE) | -26.3000% | 6,654 |
| Retained earnings to average equity (ytd only) | -26.3000% | 6,598 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 205.5814% | 28 |
| Assets per employee ($millions) | 3.1708% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 3,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 80.2476% | 521 |
| Net loans and leases to deposits | 91.0667% | 1,033 |
| Net loans and leases to core deposits | 98.3191% | 1,216 |
| Total domestic deposits to total assets | 88.1195% | 2,159 |
| Equity capital to assets | 10.9406% | 2,775 |
| Core capital (leverage) ratio | 11.3735% | 2,075 |
| Tier 1 risk-based capital ratio | 16.4078% | 2,944 |
| Total risk-based capital ratio | 17.6636% | 2,914 |
| Memoranda: | ||
| Average total assets | $61,034,000 | 5,682 |
| Average earning assets | $58,230,500 | 5,606 |
| Average equity | $7,163,500 | 5,475 |
| Average total loans | $50,310,500 | 4,919 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5018% | 5,640 |
| Cost of funding earning assets | 0.8691% | 868 |
| Net interest margin | 2.6327% | 6,225 |
| Noninterest income to average assets | 0.6771% | 2,664 |
| Noninterest expense to average assets | 7.9407% | 121 |
| Loan and lease loss provision to assets | 0.7354% | 300 |
| Net operating income to assets | -5.5175% | 6,803 |
| Return on assets (ROA) | -5.3347% | 6,802 |
| Pretax return on assets | -5.3327% | 6,801 |
| Return on Equity (ROE) | -37.8291% | 6,754 |
| Retained earnings to average equity (ytd only) | -37.8291% | 6,751 |
| Net charge-offs to loans | 0.0077% | 5,302 |
| Credit loss provision to net charge-offs | 12,200.0000% | 18 |
| Earnings coverage of net charge-offs (x) | -793.0000% | 5,472 |
| Efficiency ratio | 251.2397% | 16 |
| Assets per employee ($millions) | 2.9327% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 3,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 82.3726% | 379 |
| Net loans and leases to deposits | 95.6145% | 755 |
| Net loans and leases to core deposits | 104.8413% | 866 |
| Total domestic deposits to total assets | 86.1508% | 3,178 |
| Equity capital to assets | 12.5978% | 1,466 |
| Core capital (leverage) ratio | 12.9481% | 1,161 |
| Tier 1 risk-based capital ratio | 18.6764% | 2,019 |
| Total risk-based capital ratio | 19.9321% | 1,983 |
| Memoranda: | ||
| Average total assets | $49,768,800 | 6,018 |
| Average earning assets | $46,947,600 | 5,965 |
| Average equity | $7,018,400 | 5,564 |
| Average total loans | $39,016,600 | 5,391 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 5,946 |
| Cost of funding earning assets | 0.8803% | 904 |
| Net interest margin | 2.4888% | 6,435 |
| Noninterest income to average assets | 0.7010% | 2,601 |
| Noninterest expense to average assets | 7.8572% | 121 |
| Loan and lease loss provision to assets | 0.6169% | 386 |
| Net operating income to assets | -5.4372% | 6,881 |
| Return on assets (ROA) | -5.1820% | 6,879 |
| Pretax return on assets | -5.1792% | 6,879 |
| Return on Equity (ROE) | -35.5765% | 6,830 |
| Retained earnings to average equity (ytd only) | -35.5765% | 6,826 |
| Net charge-offs to loans | 0.0110% | 4,925 |
| Credit loss provision to net charge-offs | 7,333.3333% | 39 |
| Earnings coverage of net charge-offs (x) | -572.6525% | 5,210 |
| Efficiency ratio | 258.4871% | 13 |
| Assets per employee ($millions) | 2.3727% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 4,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 77.8472% | 765 |
| Net loans and leases to deposits | 93.2318% | 885 |
| Net loans and leases to core deposits | 101.5126% | 1,023 |
| Total domestic deposits to total assets | 83.4986% | 4,379 |
| Equity capital to assets | 15.0410% | 708 |
| Core capital (leverage) ratio | 15.3195% | 589 |
| Tier 1 risk-based capital ratio | 23.3400% | 1,087 |
| Total risk-based capital ratio | 24.5965% | 1,069 |
| Memoranda: | ||
| Average total assets | $47,547,750 | 6,146 |
| Average earning assets | $44,679,500 | 6,100 |
| Average equity | $6,925,750 | 5,659 |
| Average total loans | $36,517,000 | 5,530 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3385% | 6,024 |
| Cost of funding earning assets | 0.8950% | 922 |
| Net interest margin | 2.4435% | 6,508 |
| Noninterest income to average assets | 0.7344% | 2,478 |
| Noninterest expense to average assets | 8.1404% | 116 |
| Loan and lease loss provision to assets | 0.8804% | 225 |
| Net operating income to assets | -6.0080% | 6,926 |
| Return on assets (ROA) | -5.6054% | 6,923 |
| Pretax return on assets | -5.6009% | 6,924 |
| Return on Equity (ROE) | -38.9946% | 6,888 |
| Retained earnings to average equity (ytd only) | -38.9946% | 6,880 |
| Net charge-offs to loans | 0.0116% | 4,640 |
| Credit loss provision to net charge-offs | 9,950.0000% | 29 |
| Earnings coverage of net charge-offs (x) | -579.0000% | 4,907 |
| Efficiency ratio | 269.7947% | 16 |
| Assets per employee ($millions) | 2.3891% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 4,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 77.9894% | 748 |
| Net loans and leases to deposits | 89.2877% | 1,207 |
| Net loans and leases to core deposits | 97.7210% | 1,234 |
| Total domestic deposits to total assets | 87.3461% | 2,621 |
| Equity capital to assets | 11.0367% | 2,715 |
| Core capital (leverage) ratio | 12.6313% | 1,310 |
| Tier 1 risk-based capital ratio | 17.9014% | 2,350 |
| Total risk-based capital ratio | 19.1525% | 2,318 |
| Memoranda: | ||
| Average total assets | $45,206,670 | 6,256 |
| Average earning assets | $42,235,000 | 6,215 |
| Average equity | $6,498,330 | 5,812 |
| Average total loans | $34,343,670 | 5,651 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2890% | 6,171 |
| Cost of funding earning assets | 0.9263% | 867 |
| Net interest margin | 2.3626% | 6,631 |
| Noninterest income to average assets | 0.7898% | 2,165 |
| Noninterest expense to average assets | 8.6878% | 104 |
| Loan and lease loss provision to assets | 0.6742% | 351 |
| Net operating income to assets | -6.3955% | 7,003 |
| Return on assets (ROA) | -5.8946% | 7,002 |
| Pretax return on assets | -5.8850% | 7,001 |
| Return on Equity (ROE) | -35.7529% | 6,944 |
| Retained earnings to average equity (ytd only) | -35.7529% | 6,918 |
| Net charge-offs to loans | 0.0130% | 3,887 |
| Credit loss provision to net charge-offs | 7,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | -593.0000% | 4,144 |
| Efficiency ratio | 291.9094% | 15 |
| Assets per employee ($millions) | 1.8935% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 5,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 78.0440% | 606 |
| Net loans and leases to deposits | 94.9918% | 608 |
| Net loans and leases to core deposits | 107.2230% | 591 |
| Total domestic deposits to total assets | 82.1586% | 5,140 |
| Equity capital to assets | 15.6424% | 619 |
| Core capital (leverage) ratio | 15.8982% | 473 |
| Tier 1 risk-based capital ratio | 24.6982% | 929 |
| Total risk-based capital ratio | 25.9627% | 914 |
| Memoranda: | ||
| Average total assets | $41,529,500 | 6,420 |
| Average earning assets | $38,431,500 | 6,388 |
| Average equity | $6,847,000 | 5,780 |
| Average total loans | $30,752,000 | 5,856 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0870% | 6,731 |
| Cost of funding earning assets | 0.9895% | 1,415 |
| Net interest margin | 2.0975% | 6,901 |
| Noninterest income to average assets | 0.0410% | 6,724 |
| Noninterest expense to average assets | 9.5080% | 89 |
| Loan and lease loss provision to assets | 0.7190% | 710 |
| Net operating income to assets | -8.2532% | 7,078 |
| Return on assets (ROA) | -8.0072% | 7,078 |
| Pretax return on assets | -8.0045% | 7,077 |
| Return on Equity (ROE) | -33.6783% | 6,973 |
| Retained earnings to average equity (ytd only) | -33.6783% | 6,957 |
| Net charge-offs to loans | 0.0582% | 5,115 |
| Credit loss provision to net charge-offs | 2,630.0000% | 92 |
| Earnings coverage of net charge-offs (x) | -275.5000% | 5,982 |
| Efficiency ratio | 481.0512% | 9 |
| Assets per employee ($millions) | 1.9716% | 6,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 68.2294% | 2,146 |
| Net loans and leases to deposits | 84.2273% | 1,727 |
| Net loans and leases to core deposits | 93.7228% | 1,491 |
| Total domestic deposits to total assets | 81.0062% | 5,404 |
| Equity capital to assets | 17.3369% | 380 |
| Core capital (leverage) ratio | 17.6054% | 309 |
| Tier 1 risk-based capital ratio | 29.7904% | 524 |
| Total risk-based capital ratio | 31.0406% | 518 |
| Memoranda: | ||
| Average total assets | $36,579,600 | 6,594 |
| Average earning assets | $33,754,400 | 6,562 |
| Average equity | $8,697,000 | 5,306 |
| Average total loans | $17,194,400 | 6,542 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9158% | 6,927 |
| Cost of funding earning assets | 0.9910% | 1,617 |
| Net interest margin | 1.9248% | 7,056 |
| Noninterest income to average assets | 0.0452% | 6,820 |
| Noninterest expense to average assets | 9.2609% | 89 |
| Loan and lease loss provision to assets | 0.6106% | 890 |
| Net operating income to assets | -8.0472% | 7,177 |
| Return on assets (ROA) | -7.9002% | 7,177 |
| Pretax return on assets | -7.9002% | 7,176 |
| Return on Equity (ROE) | -30.7886% | 7,066 |
| Retained earnings to average equity (ytd only) | -30.7886% | 7,059 |
| Net charge-offs to loans | 0.0836% | 4,554 |
| Credit loss provision to net charge-offs | 1,800.0000% | 148 |
| Earnings coverage of net charge-offs (x) | -219.2167% | 5,767 |
| Efficiency ratio | 507.6446% | 8 |
| Assets per employee ($millions) | 1.9551% | 7,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 53.1431% | 4,888 |
| Net loans and leases to deposits | 68.2565% | 4,143 |
| Net loans and leases to core deposits | 73.5549% | 4,038 |
| Total domestic deposits to total assets | 77.8579% | 6,105 |
| Equity capital to assets | 20.6000% | 218 |
| Core capital (leverage) ratio | 21.3520% | 161 |
| Tier 1 risk-based capital ratio | 42.4189% | 203 |
| Total risk-based capital ratio | 43.6954% | 200 |
| Memoranda: | ||
| Average total assets | $35,373,750 | 6,708 |
| Average earning assets | $32,694,750 | 6,674 |
| Average equity | $9,076,750 | 5,247 |
| Average total loans | $14,346,250 | 6,777 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8206% | 7,037 |
| Cost of funding earning assets | 1.0101% | 1,707 |
| Net interest margin | 1.8105% | 7,151 |
| Noninterest income to average assets | 0.0352% | 6,905 |
| Noninterest expense to average assets | 9.5983% | 86 |
| Loan and lease loss provision to assets | 0.5860% | 1,024 |
| Net operating income to assets | -8.4850% | 7,238 |
| Return on assets (ROA) | -8.2564% | 7,236 |
| Pretax return on assets | -8.2506% | 7,236 |
| Return on Equity (ROE) | -29.9236% | 7,102 |
| Retained earnings to average equity (ytd only) | -29.9236% | 7,090 |
| Net charge-offs to loans | 0.1155% | 4,017 |
| Credit loss provision to net charge-offs | 1,428.5714% | 232 |
| Earnings coverage of net charge-offs (x) | -192.4286% | 5,503 |
| Efficiency ratio | 562.8866% | 6 |
| Assets per employee ($millions) | 1.7812% | 7,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 5,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 41.8863% | 6,194 |
| Net loans and leases to deposits | 55.7243% | 5,682 |
| Net loans and leases to core deposits | 60.4219% | 5,550 |
| Total domestic deposits to total assets | 75.1671% | 6,570 |
| Equity capital to assets | 23.2610% | 126 |
| Core capital (leverage) ratio | 22.8905% | 118 |
| Tier 1 risk-based capital ratio | 56.7159% | 105 |
| Total risk-based capital ratio | 57.8902% | 104 |
| Memoranda: | ||
| Average total assets | $34,131,000 | 6,781 |
| Average earning assets | $31,483,000 | 6,754 |
| Average equity | $9,417,330 | 5,177 |
| Average total loans | $12,122,330 | 6,918 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9146% | 7,242 |
| Cost of funding earning assets | 0.9238% | 2,488 |
| Net interest margin | 0.9908% | 7,274 |
| Noninterest income to average assets | 0.8863% | 1,809 |
| Noninterest expense to average assets | 9.6389% | 85 |
| Loan and lease loss provision to assets | 0.6647% | 808 |
| Net operating income to assets | -8.5186% | 7,294 |
| Return on assets (ROA) | -8.0385% | 7,292 |
| Pretax return on assets | -8.0262% | 7,291 |
| Return on Equity (ROE) | -26.7199% | 7,153 |
| Retained earnings to average equity (ytd only) | -26.7199% | 7,110 |
| Net charge-offs to loans | 0.2339% | 2,758 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | -106.1667% | 4,722 |
| Efficiency ratio | 536.3014% | 5 |
| Assets per employee ($millions) | 1.8391% | 7,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 5,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 31.5978% | 6,850 |
| Net loans and leases to deposits | 43.4597% | 6,588 |
| Net loans and leases to core deposits | 47.7074% | 6,473 |
| Total domestic deposits to total assets | 72.7060% | 6,847 |
| Equity capital to assets | 25.6301% | 91 |
| Core capital (leverage) ratio | 30.1716% | 61 |
| Tier 1 risk-based capital ratio | 81.7554% | 53 |
| Total risk-based capital ratio | 82.9181% | 53 |
| Memoranda: | ||
| Average total assets | $32,493,500 | 6,878 |
| Average earning assets | $29,875,000 | 6,851 |
| Average equity | $9,775,500 | 5,095 |
| Average total loans | $10,260,500 | 7,051 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9749% | 7,289 |
| Cost of funding earning assets | 0.7812% | 4,997 |
| Net interest margin | 1.1937% | 7,313 |
| Noninterest income to average assets | 0.1973% | 6,095 |
| Noninterest expense to average assets | 12.2767% | 62 |
| Loan and lease loss provision to assets | 0.4290% | 2,452 |
| Net operating income to assets | -11.4531% | 7,354 |
| Return on assets (ROA) | -11.0456% | 7,353 |
| Pretax return on assets | -11.0456% | 7,353 |
| Return on Equity (ROE) | -22.7522% | 7,021 |
| Retained earnings to average equity (ytd only) | -22.7522% | 7,009 |
| Net charge-offs to loans | 0.5117% | 2,942 |
| Credit loss provision to net charge-offs | 666.6667% | 330 |
| Earnings coverage of net charge-offs (x) | -171.3333% | 6,436 |
| Efficiency ratio | 980.1370% | 6 |
| Assets per employee ($millions) | 1.4845% | 7,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 30.7771% | 6,980 |
| Net loans and leases to deposits | 49.5293% | 6,395 |
| Net loans and leases to core deposits | 55.3776% | 6,201 |
| Total domestic deposits to total assets | 62.1393% | 7,203 |
| Equity capital to assets | 35.8931% | 45 |
| Core capital (leverage) ratio | 36.4729% | 45 |
| Tier 1 risk-based capital ratio | 114.5242% | 45 |
| Total risk-based capital ratio | 115.4963% | 45 |
| Memoranda: | ||
| Average total assets | $23,312,400 | 7,139 |
| Average earning assets | $20,608,800 | 7,130 |
| Average equity | $11,317,600 | 4,710 |
| Average total loans | $2,931,400 | 7,305 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8042% | 7,379 |
| Cost of funding earning assets | 0.7368% | 5,551 |
| Net interest margin | 1.0674% | 7,391 |
| Noninterest income to average assets | 0.2535% | 5,807 |
| Noninterest expense to average assets | 12.8930% | 54 |
| Loan and lease loss provision to assets | 0.3622% | 2,694 |
| Net operating income to assets | -12.0661% | 7,433 |
| Return on assets (ROA) | -11.7944% | 7,433 |
| Pretax return on assets | -11.7944% | 7,433 |
| Return on Equity (ROE) | -22.4283% | 7,131 |
| Retained earnings to average equity (ytd only) | -22.4283% | 7,120 |
| Net charge-offs to loans | 1.0864% | 1,465 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | -161.5794% | 6,179 |
| Efficiency ratio | 1,084.2640% | 4 |
| Assets per employee ($millions) | 1.5353% | 7,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 5,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 13.8592% | 7,345 |
| Net loans and leases to deposits | 23.1700% | 7,301 |
| Net loans and leases to core deposits | 25.6530% | 7,282 |
| Total domestic deposits to total assets | 59.8155% | 7,305 |
| Equity capital to assets | 39.1207% | 53 |
| Core capital (leverage) ratio | 40.8206% | 51 |
| Tier 1 risk-based capital ratio | 156.4431% | 41 |
| Total risk-based capital ratio | 157.1492% | 41 |
| Memoranda: | ||
| Average total assets | $22,089,000 | 7,233 |
| Average earning assets | $19,361,500 | 7,228 |
| Average equity | $11,616,000 | 4,659 |
| Average total loans | $1,472,750 | 7,386 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2798% | 7,475 |
| Cost of funding earning assets | 0.6742% | 6,106 |
| Net interest margin | 0.6056% | 7,482 |
| Noninterest income to average assets | 0.3854% | 4,792 |
| Noninterest expense to average assets | 14.6638% | 49 |
| Loan and lease loss provision to assets | 0.3162% | 2,893 |
| Net operating income to assets | -14.0709% | 7,510 |
| Return on assets (ROA) | -14.0709% | 7,510 |
| Pretax return on assets | -14.0709% | 7,509 |
| Return on Equity (ROE) | -23.9643% | 7,186 |
| Retained earnings to average equity (ytd only) | -23.9643% | 7,176 |
| Net charge-offs to loans | 2.3845% | 521 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | -174.0000% | 5,871 |
| Efficiency ratio | 1,613.0435% | 4 |
| Assets per employee ($millions) | 1.2688% | 7,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 5,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 7.4992% | 7,451 |
| Net loans and leases to deposits | 13.6465% | 7,442 |
| Net loans and leases to core deposits | 13.6465% | 7,435 |
| Total domestic deposits to total assets | 54.9535% | 7,407 |
| Equity capital to assets | 44.2702% | 52 |
| Core capital (leverage) ratio | 44.8844% | 50 |
| Tier 1 risk-based capital ratio | 169.9133% | 37 |
| Total risk-based capital ratio | 170.2785% | 37 |
| Memoranda: | ||
| Average total assets | $20,240,330 | 7,344 |
| Average earning assets | $17,503,000 | 7,339 |
| Average equity | $11,884,330 | 4,584 |
| Average total loans | $671,000 | 7,466 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4557% | 7,558 |
| Cost of funding earning assets | 0.3216% | 7,359 |
| Net interest margin | 0.1340% | 7,567 |
| Noninterest income to average assets | 0.0453% | 7,156 |
| Noninterest expense to average assets | 15.8891% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -15.7307% | 7,569 |
| Return on assets (ROA) | -15.7307% | 7,569 |
| Pretax return on assets | -15.7307% | 7,568 |
| Return on Equity (ROE) | -22.7692% | 7,252 |
| Retained earnings to average equity (ytd only) | -22.7692% | 7,204 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10,028.5714% | 1 |
| Assets per employee ($millions) | 0.9954% | 7,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 0.3927% | 7,531 |
| Net loans and leases to deposits | 0.9042% | 7,532 |
| Net loans and leases to core deposits | 0.9042% | 7,518 |
| Total domestic deposits to total assets | 43.4332% | 7,501 |
| Equity capital to assets | 54.0232% | 42 |
| Core capital (leverage) ratio | 73.0321% | 28 |
| Tier 1 risk-based capital ratio | 259.9781% | 22 |
| Total risk-based capital ratio | 259.9781% | 22 |
| Memoranda: | ||
| Average total assets | $17,672,500 | 7,450 |
| Average earning assets | $14,923,500 | 7,457 |
| Average equity | $12,209,500 | 4,502 |
| Average total loans | $43,000 | 7,533 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0093% | 7,655 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 0.0093% | 7,647 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 2.8928% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -2.8854% | 7,271 |
| Return on assets (ROA) | -2.8854% | 7,290 |
| Pretax return on assets | -2.8854% | 7,270 |
| Return on Equity (ROE) | -3.0821% | 6,281 |
| Retained earnings to average equity (ytd only) | -3.0821% | 6,102 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38,900.0000% | 1 |
| Assets per employee ($millions) | 0.6724% | 7,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 0.9073% | 7,651 |
| Equity capital to assets | 93.6194% | 7 |
| Core capital (leverage) ratio | 594.3815% | 1 |
| Tier 1 risk-based capital ratio | 322.7949% | 23 |
| Total risk-based capital ratio | 322.7949% | 23 |
| Memoranda: | ||
| Average total assets | $13,447,000 | 7,591 |
| Average earning assets | $10,773,000 | 7,597 |
| Average equity | $12,589,000 | 4,463 |
| Average total loans | NA | NA |