Home > New Millennium Bank > Performance and Condition Ratios
New Millennium Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0126% | 625 |
| Cost of funding earning assets | 2.5398% | 340 |
| Net interest margin | 3.4728% | 2,250 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.0027% | 3,625 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.0685% | 2,015 |
| Return on assets (ROA) | 1.0685% | 1,984 |
| Pretax return on assets | 1.5542% | 1,322 |
| Return on Equity (ROE) | 10.5200% | 2,356 |
| Retained earnings to average equity (ytd only) | 10.5184% | 901 |
| Net charge-offs to loans | -0.0238% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.6108% | 3,635 |
| Assets per employee ($millions) | 10.7374% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 1,692 |
| Loan loss allowance to noncurrent loans | 400.9730% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 1,730 |
| Noncurrent loans to loans | 0.3285% | 2,009 |
| Net loans and leases to total assets | 86.6600% | 134 |
| Net loans and leases to deposits | 100.4848% | 510 |
| Net loans and leases to core deposits | 150.0814% | 199 |
| Total domestic deposits to total assets | 86.2400% | 1,937 |
| Equity capital to assets | 12.8529% | 887 |
| Core capital (leverage) ratio | 13.1341% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9979% | 793 |
| Memoranda: | ||
| Average total assets | $770,613,400 | 1,215 |
| Average earning assets | $748,988,600 | 1,170 |
| Average equity | $78,282,200 | 1,153 |
| Average total loans | $655,442,200 | 1,021 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9377% | 573 |
| Cost of funding earning assets | 2.4572% | 296 |
| Net interest margin | 3.4805% | 2,251 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.0648% | 3,438 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.0593% | 2,187 |
| Return on assets (ROA) | 1.0593% | 2,175 |
| Pretax return on assets | 1.5194% | 1,519 |
| Return on Equity (ROE) | 11.1900% | 2,327 |
| Retained earnings to average equity (ytd only) | 11.1851% | 1,134 |
| Net charge-offs to loans | -0.0169% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.7181% | 3,418 |
| Assets per employee ($millions) | 10.2257% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,417 |
| Loan loss allowance to noncurrent loans | 324.9912% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 1,479 |
| Noncurrent loans to loans | 0.4334% | 1,746 |
| Net loans and leases to total assets | 84.6200% | 240 |
| Net loans and leases to deposits | 98.3293% | 599 |
| Net loans and leases to core deposits | 142.9057% | 193 |
| Total domestic deposits to total assets | 86.0600% | 2,172 |
| Equity capital to assets | 12.8306% | 850 |
| Core capital (leverage) ratio | 12.8946% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0402% | 812 |
| Memoranda: | ||
| Average total assets | $767,308,750 | 1,214 |
| Average earning assets | $747,610,250 | 1,172 |
| Average equity | $72,666,500 | 1,209 |
| Average total loans | $647,218,750 | 1,027 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8485% | 536 |
| Cost of funding earning assets | 2.3681% | 238 |
| Net interest margin | 3.4804% | 2,312 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.0536% | 3,455 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.1050% | 2,115 |
| Return on assets (ROA) | 1.1050% | 2,103 |
| Pretax return on assets | 1.5835% | 1,442 |
| Return on Equity (ROE) | 13.2300% | 1,855 |
| Retained earnings to average equity (ytd only) | 13.2317% | 771 |
| Net charge-offs to loans | 0.0270% | 1,351 |
| Credit loss provision to net charge-offs | 545.9770% | 614 |
| Earnings coverage of net charge-offs (x) | 75.2989% | 1,082 |
| Efficiency ratio | 54.6047% | 3,562 |
| Assets per employee ($millions) | 10.0161% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 1,558 |
| Loan loss allowance to noncurrent loans | 316.0555% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 1,361 |
| Noncurrent loans to loans | 0.4407% | 1,619 |
| Net loans and leases to total assets | 83.6700% | 294 |
| Net loans and leases to deposits | 92.8233% | 965 |
| Net loans and leases to core deposits | 130.9729% | 315 |
| Total domestic deposits to total assets | 90.1300% | 891 |
| Equity capital to assets | 8.8359% | 2,636 |
| Core capital (leverage) ratio | 8.6325% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6129% | 2,055 |
| Memoranda: | ||
| Average total assets | $767,436,667 | 1,214 |
| Average earning assets | $747,855,667 | 1,167 |
| Average equity | $64,088,333 | 1,318 |
| Average total loans | $643,537,000 | 1,018 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6949% | 464 |
| Cost of funding earning assets | 2.2711% | 165 |
| Net interest margin | 3.4238% | 2,574 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.0110% | 3,606 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.2064% | 1,914 |
| Return on assets (ROA) | 1.2064% | 1,872 |
| Pretax return on assets | 1.7268% | 1,221 |
| Return on Equity (ROE) | 14.8600% | 1,579 |
| Retained earnings to average equity (ytd only) | 14.8639% | 818 |
| Net charge-offs to loans | -0.0965% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.3567% | 3,749 |
| Assets per employee ($millions) | 10.3571% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 1,680 |
| Loan loss allowance to noncurrent loans | 274.0397% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 1,191 |
| Noncurrent loans to loans | 0.5054% | 1,451 |
| Net loans and leases to total assets | 81.0800% | 449 |
| Net loans and leases to deposits | 89.4743% | 1,092 |
| Net loans and leases to core deposits | 128.8629% | 288 |
| Total domestic deposits to total assets | 90.6200% | 936 |
| Equity capital to assets | 8.2796% | 3,053 |
| Core capital (leverage) ratio | 8.1231% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4561% | 2,197 |
| Memoranda: | ||
| Average total assets | $775,550,500 | 1,220 |
| Average earning assets | $756,116,500 | 1,177 |
| Average equity | $62,944,500 | 1,350 |
| Average total loans | $646,616,000 | 1,021 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 932 |
| Cost of funding earning assets | 0.7431% | 487 |
| Net interest margin | 3.6265% | 1,572 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.3240% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3253% | 1,351 |
| Return on assets (ROA) | 1.3253% | 1,313 |
| Pretax return on assets | 1.7417% | 835 |
| Return on Equity (ROE) | 14.9000% | 1,274 |
| Retained earnings to average equity (ytd only) | 14.9003% | 299 |
| Net charge-offs to loans | -0.0184% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.1618% | 3,448 |
| Assets per employee ($millions) | 9.5595% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 1,905 |
| Loan loss allowance to noncurrent loans | 255.7229% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 980 |
| Noncurrent loans to loans | 0.5072% | 1,435 |
| Net loans and leases to total assets | 83.4400% | 300 |
| Net loans and leases to deposits | 91.6204% | 937 |
| Net loans and leases to core deposits | 131.0650% | 216 |
| Total domestic deposits to total assets | 91.0700% | 929 |
| Equity capital to assets | 7.9521% | 3,089 |
| Core capital (leverage) ratio | 8.6990% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5284% | 2,559 |
| Memoranda: | ||
| Average total assets | $630,365,600 | 1,420 |
| Average earning assets | $610,833,000 | 1,369 |
| Average equity | $56,065,800 | 1,481 |
| Average total loans | $472,891,600 | 1,224 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 1,230 |
| Cost of funding earning assets | 0.4796% | 843 |
| Net interest margin | 3.5411% | 1,543 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.4554% | 2,144 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 1.1317% | 1,968 |
| Return on assets (ROA) | 1.1317% | 1,933 |
| Pretax return on assets | 1.6196% | 1,069 |
| Return on Equity (ROE) | 12.3000% | 1,941 |
| Retained earnings to average equity (ytd only) | 12.2997% | 728 |
| Net charge-offs to loans | -0.0876% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.9608% | 2,828 |
| Assets per employee ($millions) | 7.9847% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 1,327 |
| Loan loss allowance to noncurrent loans | 224.3421% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 779 |
| Noncurrent loans to loans | 0.6625% | 1,230 |
| Net loans and leases to total assets | 83.8800% | 257 |
| Net loans and leases to deposits | 93.4126% | 671 |
| Net loans and leases to core deposits | 108.7194% | 510 |
| Total domestic deposits to total assets | 89.7900% | 1,747 |
| Equity capital to assets | 8.9837% | 2,225 |
| Core capital (leverage) ratio | 9.0680% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7511% | 2,570 |
| Memoranda: | ||
| Average total assets | $594,377,000 | 1,502 |
| Average earning assets | $574,943,250 | 1,444 |
| Average equity | $54,688,500 | 1,518 |
| Average total loans | $427,467,500 | 1,313 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6778% | 1,599 |
| Cost of funding earning assets | 0.3925% | 967 |
| Net interest margin | 3.2853% | 1,951 |
| Noninterest income to average assets | 0.6951% | 1,358 |
| Noninterest expense to average assets | 2.5505% | 1,776 |
| Loan and lease loss provision to assets | -0.1733% | 4,665 |
| Net operating income to assets | 1.0431% | 2,005 |
| Return on assets (ROA) | 1.0431% | 1,975 |
| Pretax return on assets | 1.4921% | 1,193 |
| Return on Equity (ROE) | 11.2380% | 1,911 |
| Retained earnings to average equity (ytd only) | 11.2380% | 749 |
| Net charge-offs to loans | -0.0927% | 4,418 |
| Credit loss provision to net charge-offs | 279.3296% | 826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9170% | 2,523 |
| Assets per employee ($millions) | 7.3306% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 633 |
| Loan loss allowance to noncurrent loans | 213.4143% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 879 |
| Noncurrent loans to loans | 0.9006% | 936 |
| Net loans and leases to total assets | 66.1848% | 1,667 |
| Net loans and leases to deposits | 73.7617% | 1,893 |
| Net loans and leases to core deposits | 81.6460% | 1,613 |
| Total domestic deposits to total assets | 89.7280% | 1,833 |
| Equity capital to assets | 9.0072% | 2,380 |
| Core capital (leverage) ratio | 9.7374% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6376% | 1,821 |
| Memoranda: | ||
| Average total assets | $576,915,333 | 1,556 |
| Average earning assets | $557,400,333 | 1,499 |
| Average equity | $53,550,333 | 1,598 |
| Average total loans | $386,399,333 | 1,419 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 1,460 |
| Cost of funding earning assets | 0.4123% | 807 |
| Net interest margin | 3.2034% | 1,871 |
| Noninterest income to average assets | 1.0913% | 567 |
| Noninterest expense to average assets | 2.6853% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0350% | 1,742 |
| Return on assets (ROA) | 1.0350% | 1,737 |
| Pretax return on assets | 1.4980% | 1,022 |
| Return on Equity (ROE) | 10.9675% | 1,630 |
| Retained earnings to average equity (ytd only) | 10.9675% | 792 |
| Net charge-offs to loans | -0.0325% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1920% | 3,001 |
| Assets per employee ($millions) | 7.3615% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2502% | 404 |
| Loan loss allowance to noncurrent loans | 404.4604% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 1,533 |
| Noncurrent loans to loans | 0.5563% | 1,649 |
| Net loans and leases to total assets | 64.6273% | 1,544 |
| Net loans and leases to deposits | 73.2717% | 1,670 |
| Net loans and leases to core deposits | 82.0249% | 1,350 |
| Total domestic deposits to total assets | 88.2023% | 2,427 |
| Equity capital to assets | 9.3750% | 2,388 |
| Core capital (leverage) ratio | 9.4508% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8949% | 1,540 |
| Memoranda: | ||
| Average total assets | $553,823,500 | 1,619 |
| Average earning assets | $534,553,500 | 1,574 |
| Average equity | $52,263,500 | 1,668 |
| Average total loans | $369,359,500 | 1,462 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 1,011 |
| Cost of funding earning assets | 0.5686% | 636 |
| Net interest margin | 3.6201% | 1,407 |
| Noninterest income to average assets | 1.3278% | 611 |
| Noninterest expense to average assets | 2.3528% | 2,648 |
| Loan and lease loss provision to assets | 0.0199% | 2,671 |
| Net operating income to assets | 1.6462% | 714 |
| Return on assets (ROA) | 1.6462% | 750 |
| Pretax return on assets | 2.4401% | 281 |
| Return on Equity (ROE) | 17.7515% | 489 |
| Retained earnings to average equity (ytd only) | 17.7515% | 98 |
| Net charge-offs to loans | -0.0875% | 4,542 |
| Credit loss provision to net charge-offs | -30.8642% | 3,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8862% | 4,357 |
| Assets per employee ($millions) | 7.0235% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3088% | 377 |
| Loan loss allowance to noncurrent loans | 389.0278% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 1,544 |
| Noncurrent loans to loans | 0.5935% | 1,653 |
| Net loans and leases to total assets | 65.7442% | 1,501 |
| Net loans and leases to deposits | 74.5849% | 1,682 |
| Net loans and leases to core deposits | 84.7260% | 1,283 |
| Total domestic deposits to total assets | 88.1468% | 1,958 |
| Equity capital to assets | 9.5017% | 3,147 |
| Core capital (leverage) ratio | 9.4505% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3587% | 1,423 |
| Memoranda: | ||
| Average total assets | $503,708,400 | 1,687 |
| Average earning assets | $484,903,000 | 1,650 |
| Average equity | $46,711,600 | 1,870 |
| Average total loans | $370,317,800 | 1,460 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 1,086 |
| Cost of funding earning assets | 0.6114% | 604 |
| Net interest margin | 3.6039% | 1,594 |
| Noninterest income to average assets | 1.4540% | 568 |
| Noninterest expense to average assets | 2.3382% | 2,637 |
| Loan and lease loss provision to assets | 0.0269% | 2,459 |
| Net operating income to assets | 1.7285% | 778 |
| Return on assets (ROA) | 1.7285% | 813 |
| Pretax return on assets | 2.5572% | 309 |
| Return on Equity (ROE) | 18.7657% | 540 |
| Retained earnings to average equity (ytd only) | 18.7657% | 171 |
| Net charge-offs to loans | -0.1068% | 4,638 |
| Credit loss provision to net charge-offs | -33.5570% | 3,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5019% | 4,405 |
| Assets per employee ($millions) | 7.5840% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2551% | 418 |
| Loan loss allowance to noncurrent loans | 523.8899% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 2,147 |
| Noncurrent loans to loans | 0.4304% | 2,267 |
| Net loans and leases to total assets | 68.3957% | 1,270 |
| Net loans and leases to deposits | 78.0714% | 1,474 |
| Net loans and leases to core deposits | 89.4407% | 1,062 |
| Total domestic deposits to total assets | 87.6065% | 2,056 |
| Equity capital to assets | 9.3129% | 3,547 |
| Core capital (leverage) ratio | 9.1435% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2130% | 1,569 |
| Memoranda: | ||
| Average total assets | $494,433,500 | 1,730 |
| Average earning assets | $475,845,750 | 1,687 |
| Average equity | $45,543,000 | 1,926 |
| Average total loans | $371,909,000 | 1,479 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 1,339 |
| Cost of funding earning assets | 0.6627% | 534 |
| Net interest margin | 3.4414% | 2,029 |
| Noninterest income to average assets | 0.7531% | 1,666 |
| Noninterest expense to average assets | 2.2493% | 2,920 |
| Loan and lease loss provision to assets | 0.0415% | 2,178 |
| Net operating income to assets | 1.2080% | 2,166 |
| Return on assets (ROA) | 1.2080% | 2,233 |
| Pretax return on assets | 1.7699% | 1,300 |
| Return on Equity (ROE) | 13.1679% | 1,658 |
| Retained earnings to average equity (ytd only) | 13.1679% | 687 |
| Net charge-offs to loans | -0.1080% | 4,647 |
| Credit loss provision to net charge-offs | -49.7512% | 2,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3922% | 3,616 |
| Assets per employee ($millions) | 7.4237% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1614% | 459 |
| Loan loss allowance to noncurrent loans | 706.4846% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 2,688 |
| Noncurrent loans to loans | 0.3059% | 2,829 |
| Net loans and leases to total assets | 71.1096% | 1,065 |
| Net loans and leases to deposits | 80.0794% | 1,418 |
| Net loans and leases to core deposits | 90.6316% | 1,095 |
| Total domestic deposits to total assets | 88.7989% | 1,389 |
| Equity capital to assets | 8.7011% | 4,047 |
| Core capital (leverage) ratio | 9.0565% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2432% | 1,889 |
| Memoranda: | ||
| Average total assets | $482,285,667 | 1,754 |
| Average earning assets | $463,534,333 | 1,715 |
| Average equity | $44,244,000 | 1,962 |
| Average total loans | $372,054,000 | 1,477 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 1,331 |
| Cost of funding earning assets | 0.7493% | 453 |
| Net interest margin | 3.3780% | 2,167 |
| Noninterest income to average assets | 0.7393% | 1,747 |
| Noninterest expense to average assets | 2.2345% | 2,993 |
| Loan and lease loss provision to assets | 0.0870% | 1,516 |
| Net operating income to assets | 1.1385% | 2,360 |
| Return on assets (ROA) | 1.1385% | 2,425 |
| Pretax return on assets | 1.6569% | 1,589 |
| Return on Equity (ROE) | 12.0548% | 1,993 |
| Retained earnings to average equity (ytd only) | 12.0548% | 1,129 |
| Net charge-offs to loans | -0.0360% | 4,260 |
| Credit loss provision to net charge-offs | -303.0303% | 3,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1653% | 3,524 |
| Assets per employee ($millions) | 6.7994% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1537% | 458 |
| Loan loss allowance to noncurrent loans | 270.6707% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 1,385 |
| Noncurrent loans to loans | 0.7957% | 1,662 |
| Net loans and leases to total assets | 79.7108% | 350 |
| Net loans and leases to deposits | 91.2955% | 630 |
| Net loans and leases to core deposits | 105.8161% | 521 |
| Total domestic deposits to total assets | 87.3107% | 2,178 |
| Equity capital to assets | 9.5359% | 3,159 |
| Core capital (leverage) ratio | 9.3237% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2907% | 1,817 |
| Memoranda: | ||
| Average total assets | $459,887,500 | 1,807 |
| Average earning assets | $440,965,000 | 1,776 |
| Average equity | $43,435,000 | 1,967 |
| Average total loans | $366,538,000 | 1,503 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 1,269 |
| Cost of funding earning assets | 1.2045% | 271 |
| Net interest margin | 3.3120% | 3,037 |
| Noninterest income to average assets | 0.9475% | 1,157 |
| Noninterest expense to average assets | 2.4230% | 3,081 |
| Loan and lease loss provision to assets | 0.6290% | 301 |
| Net operating income to assets | 0.7274% | 3,340 |
| Return on assets (ROA) | 0.7274% | 3,466 |
| Pretax return on assets | 1.0736% | 2,803 |
| Return on Equity (ROE) | 7.6147% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.6147% | 1,169 |
| Net charge-offs to loans | 0.0792% | 1,681 |
| Credit loss provision to net charge-offs | 978.2609% | 793 |
| Earnings coverage of net charge-offs (x) | 26.4783% | 1,716 |
| Efficiency ratio | 58.7305% | 3,626 |
| Assets per employee ($millions) | 7.2606% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2387% | 380 |
| Loan loss allowance to noncurrent loans | 197.1584% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 1,077 |
| Noncurrent loans to loans | 1.1355% | 1,250 |
| Net loans and leases to total assets | 76.1746% | 768 |
| Net loans and leases to deposits | 87.8549% | 1,100 |
| Net loans and leases to core deposits | 104.7150% | 700 |
| Total domestic deposits to total assets | 86.7051% | 2,074 |
| Equity capital to assets | 9.3525% | 3,736 |
| Core capital (leverage) ratio | 9.1655% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4239% | 2,074 |
| Memoranda: | ||
| Average total assets | $429,222,600 | 1,770 |
| Average earning assets | $411,865,600 | 1,728 |
| Average equity | $40,999,600 | 1,990 |
| Average total loans | $348,304,400 | 1,514 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6062% | 1,286 |
| Cost of funding earning assets | 1.2770% | 273 |
| Net interest margin | 3.3292% | 3,103 |
| Noninterest income to average assets | 0.9784% | 1,063 |
| Noninterest expense to average assets | 2.5136% | 2,796 |
| Loan and lease loss provision to assets | 0.6947% | 306 |
| Net operating income to assets | 0.6560% | 3,606 |
| Return on assets (ROA) | 0.6560% | 3,710 |
| Pretax return on assets | 0.9645% | 3,181 |
| Return on Equity (ROE) | 6.8285% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.8285% | 1,770 |
| Net charge-offs to loans | 0.0893% | 1,413 |
| Credit loss provision to net charge-offs | 948.2759% | 859 |
| Earnings coverage of net charge-offs (x) | 22.6466% | 1,828 |
| Efficiency ratio | 60.2361% | 3,356 |
| Assets per employee ($millions) | 7.6975% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0709% | 440 |
| Loan loss allowance to noncurrent loans | 255.8844% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 1,729 |
| Noncurrent loans to loans | 0.8093% | 1,801 |
| Net loans and leases to total assets | 77.0275% | 963 |
| Net loans and leases to deposits | 90.5959% | 1,212 |
| Net loans and leases to core deposits | 112.9304% | 596 |
| Total domestic deposits to total assets | 85.0232% | 2,425 |
| Equity capital to assets | 9.0363% | 4,093 |
| Core capital (leverage) ratio | 9.0971% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0599% | 2,174 |
| Memoranda: | ||
| Average total assets | $422,174,250 | 1,769 |
| Average earning assets | $405,097,000 | 1,721 |
| Average equity | $40,554,500 | 1,989 |
| Average total loans | $346,277,000 | 1,512 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 1,258 |
| Cost of funding earning assets | 1.3581% | 272 |
| Net interest margin | 3.4029% | 3,089 |
| Noninterest income to average assets | 0.4876% | 2,618 |
| Noninterest expense to average assets | 2.6341% | 2,566 |
| Loan and lease loss provision to assets | 0.3912% | 1,047 |
| Net operating income to assets | 0.4793% | 4,067 |
| Return on assets (ROA) | 0.4793% | 4,133 |
| Pretax return on assets | 0.7267% | 3,808 |
| Return on Equity (ROE) | 4.8803% | 3,857 |
| Retained earnings to average equity (ytd only) | 4.8803% | 2,530 |
| Net charge-offs to loans | -0.0370% | 4,601 |
| Credit loss provision to net charge-offs | -1,269.8413% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2033% | 1,929 |
| Assets per employee ($millions) | 7.6375% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 762 |
| Loan loss allowance to noncurrent loans | 108.6508% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3214% | 775 |
| Noncurrent loans to loans | 1.5958% | 925 |
| Net loans and leases to total assets | 78.0751% | 838 |
| Net loans and leases to deposits | 97.6504% | 680 |
| Net loans and leases to core deposits | 122.2585% | 372 |
| Total domestic deposits to total assets | 79.9537% | 3,850 |
| Equity capital to assets | 8.7103% | 4,343 |
| Core capital (leverage) ratio | 9.7719% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1552% | 2,544 |
| Memoranda: | ||
| Average total assets | $408,949,667 | 1,784 |
| Average earning assets | $392,317,333 | 1,749 |
| Average equity | $40,161,333 | 1,992 |
| Average total loans | $340,611,667 | 1,508 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3081% | 546 |
| Cost of funding earning assets | 1.5210% | 242 |
| Net interest margin | 3.7871% | 2,028 |
| Noninterest income to average assets | 0.8011% | 1,311 |
| Noninterest expense to average assets | 3.0204% | 1,839 |
| Loan and lease loss provision to assets | 0.2103% | 1,456 |
| Net operating income to assets | 0.7738% | 3,009 |
| Return on assets (ROA) | 0.7738% | 3,084 |
| Pretax return on assets | 1.1985% | 2,202 |
| Return on Equity (ROE) | 7.3688% | 2,789 |
| Retained earnings to average equity (ytd only) | 7.3688% | 1,417 |
| Net charge-offs to loans | -0.0381% | 4,549 |
| Credit loss provision to net charge-offs | -645.1613% | 3,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1937% | 2,632 |
| Assets per employee ($millions) | 5.9948% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 748 |
| Loan loss allowance to noncurrent loans | 114.0773% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 770 |
| Noncurrent loans to loans | 1.5557% | 1,007 |
| Net loans and leases to total assets | 86.1596% | 132 |
| Net loans and leases to deposits | 102.7679% | 422 |
| Net loans and leases to core deposits | 134.3421% | 221 |
| Total domestic deposits to total assets | 83.8391% | 2,842 |
| Equity capital to assets | 10.8499% | 2,989 |
| Core capital (leverage) ratio | 10.4345% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1805% | 2,626 |
| Memoranda: | ||
| Average total assets | $380,481,500 | 1,841 |
| Average earning assets | $364,498,000 | 1,797 |
| Average equity | $39,952,000 | 1,986 |
| Average total loans | $325,838,000 | 1,536 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2576% | 890 |
| Cost of funding earning assets | 1.9964% | 65 |
| Net interest margin | 3.2612% | 4,061 |
| Noninterest income to average assets | 0.7058% | 1,796 |
| Noninterest expense to average assets | 2.4696% | 3,526 |
| Loan and lease loss provision to assets | 0.0982% | 2,087 |
| Net operating income to assets | 0.9146% | 3,152 |
| Return on assets (ROA) | 0.9146% | 3,229 |
| Pretax return on assets | 1.3084% | 2,483 |
| Return on Equity (ROE) | 10.4060% | 2,117 |
| Retained earnings to average equity (ytd only) | 10.4060% | 418 |
| Net charge-offs to loans | 0.0372% | 2,642 |
| Credit loss provision to net charge-offs | 365.2174% | 766 |
| Earnings coverage of net charge-offs (x) | 52.3043% | 1,092 |
| Efficiency ratio | 63.7104% | 3,117 |
| Assets per employee ($millions) | 6.2846% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 784 |
| Loan loss allowance to noncurrent loans | 117.5661% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.2414% | 919 |
| Noncurrent loans to loans | 1.4509% | 1,007 |
| Net loans and leases to total assets | 82.1505% | 542 |
| Net loans and leases to deposits | 95.8696% | 956 |
| Net loans and leases to core deposits | 133.8181% | 231 |
| Total domestic deposits to total assets | 85.6899% | 2,199 |
| Equity capital to assets | 10.1571% | 3,781 |
| Core capital (leverage) ratio | 8.9080% | 4,597 |
| Tier 1 risk-based capital ratio | 11.6101% | 4,568 |
| Total risk-based capital ratio | 12.8657% | 4,453 |
| Memoranda: | ||
| Average total assets | $427,607,800 | 1,637 |
| Average earning assets | $415,699,600 | 1,564 |
| Average equity | $37,584,000 | 2,025 |
| Average total loans | $309,468,200 | 1,568 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 949 |
| Cost of funding earning assets | 1.9809% | 68 |
| Net interest margin | 3.2658% | 4,156 |
| Noninterest income to average assets | 0.7013% | 1,776 |
| Noninterest expense to average assets | 2.3964% | 3,694 |
| Loan and lease loss provision to assets | 0.0671% | 2,543 |
| Net operating income to assets | 0.9923% | 3,010 |
| Return on assets (ROA) | 0.9923% | 3,080 |
| Pretax return on assets | 1.4196% | 2,232 |
| Return on Equity (ROE) | 11.6951% | 1,718 |
| Retained earnings to average equity (ytd only) | 11.6951% | 418 |
| Net charge-offs to loans | 0.0637% | 1,911 |
| Credit loss provision to net charge-offs | 150.6849% | 1,626 |
| Earnings coverage of net charge-offs (x) | 33.3838% | 1,529 |
| Efficiency ratio | 61.7125% | 3,371 |
| Assets per employee ($millions) | 7.4772% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 781 |
| Loan loss allowance to noncurrent loans | 443.2973% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 3,379 |
| Noncurrent loans to loans | 0.3887% | 3,155 |
| Net loans and leases to total assets | 67.6867% | 2,839 |
| Net loans and leases to deposits | 76.5899% | 3,240 |
| Net loans and leases to core deposits | 110.5025% | 930 |
| Total domestic deposits to total assets | 88.3755% | 887 |
| Equity capital to assets | 8.6740% | 4,937 |
| Core capital (leverage) ratio | 8.3557% | 5,005 |
| Tier 1 risk-based capital ratio | 12.2048% | 4,306 |
| Total risk-based capital ratio | 13.4610% | 4,186 |
| Memoranda: | ||
| Average total assets | $437,098,000 | 1,611 |
| Average earning assets | $425,851,750 | 1,533 |
| Average equity | $37,085,750 | 2,057 |
| Average total loans | $305,422,250 | 1,592 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 934 |
| Cost of funding earning assets | 1.9558% | 70 |
| Net interest margin | 3.2696% | 4,201 |
| Noninterest income to average assets | 0.5221% | 2,557 |
| Noninterest expense to average assets | 2.4457% | 3,622 |
| Loan and lease loss provision to assets | 0.0554% | 2,718 |
| Net operating income to assets | 0.8434% | 3,495 |
| Return on assets (ROA) | 0.8434% | 3,553 |
| Pretax return on assets | 1.2067% | 2,885 |
| Return on Equity (ROE) | 10.0175% | 2,378 |
| Retained earnings to average equity (ytd only) | 10.0175% | 750 |
| Net charge-offs to loans | 0.1203% | 1,233 |
| Credit loss provision to net charge-offs | 65.5738% | 2,361 |
| Earnings coverage of net charge-offs (x) | 14.9399% | 2,007 |
| Efficiency ratio | 65.9612% | 2,809 |
| Assets per employee ($millions) | 7.6733% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 886 |
| Loan loss allowance to noncurrent loans | 299.8266% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 2,795 |
| Noncurrent loans to loans | 0.5550% | 2,607 |
| Net loans and leases to total assets | 68.8714% | 2,693 |
| Net loans and leases to deposits | 77.6724% | 3,173 |
| Net loans and leases to core deposits | 113.8975% | 781 |
| Total domestic deposits to total assets | 88.6692% | 798 |
| Equity capital to assets | 8.4193% | 5,072 |
| Core capital (leverage) ratio | 8.1761% | 5,118 |
| Tier 1 risk-based capital ratio | 11.7710% | 4,532 |
| Total risk-based capital ratio | 13.0265% | 4,430 |
| Memoranda: | ||
| Average total assets | $433,254,000 | 1,622 |
| Average earning assets | $422,130,330 | 1,548 |
| Average equity | $36,476,330 | 2,084 |
| Average total loans | $304,234,000 | 1,600 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 928 |
| Cost of funding earning assets | 1.9497% | 65 |
| Net interest margin | 3.2393% | 4,304 |
| Noninterest income to average assets | 0.3398% | 3,588 |
| Noninterest expense to average assets | 2.4223% | 3,711 |
| Loan and lease loss provision to assets | 0.1123% | 1,582 |
| Net operating income to assets | 0.6711% | 4,021 |
| Return on assets (ROA) | 0.6711% | 4,060 |
| Pretax return on assets | 0.9603% | 3,582 |
| Return on Equity (ROE) | 7.9712% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.9712% | 1,673 |
| Net charge-offs to loans | -0.0293% | 4,634 |
| Credit loss provision to net charge-offs | -545.4545% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3091% | 2,457 |
| Assets per employee ($millions) | 7.4723% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 783 |
| Loan loss allowance to noncurrent loans | 275.2425% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 2,733 |
| Noncurrent loans to loans | 0.6341% | 2,427 |
| Net loans and leases to total assets | 68.8545% | 2,643 |
| Net loans and leases to deposits | 77.5452% | 3,111 |
| Net loans and leases to core deposits | 114.1733% | 733 |
| Total domestic deposits to total assets | 88.7927% | 962 |
| Equity capital to assets | 8.2440% | 5,108 |
| Core capital (leverage) ratio | 7.8922% | 5,230 |
| Tier 1 risk-based capital ratio | 11.4677% | 4,761 |
| Total risk-based capital ratio | 12.7243% | 4,652 |
| Memoranda: | ||
| Average total assets | $427,355,500 | 1,647 |
| Average earning assets | $416,261,000 | 1,570 |
| Average equity | $35,979,500 | 2,099 |
| Average total loans | $300,501,000 | 1,632 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3720% | 503 |
| Cost of funding earning assets | 1.2222% | 306 |
| Net interest margin | 4.1498% | 1,530 |
| Noninterest income to average assets | 1.1030% | 758 |
| Noninterest expense to average assets | 3.0590% | 1,896 |
| Loan and lease loss provision to assets | 0.3955% | 348 |
| Net operating income to assets | 1.1560% | 2,359 |
| Return on assets (ROA) | 1.1560% | 2,360 |
| Pretax return on assets | 1.6537% | 1,301 |
| Return on Equity (ROE) | 11.9323% | 1,737 |
| Retained earnings to average equity (ytd only) | 11.9323% | 325 |
| Net charge-offs to loans | 0.2085% | 916 |
| Credit loss provision to net charge-offs | 240.1051% | 1,230 |
| Earnings coverage of net charge-offs (x) | 12.4396% | 2,529 |
| Efficiency ratio | 59.8837% | 3,877 |
| Assets per employee ($millions) | 6.9054% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 682 |
| Loan loss allowance to noncurrent loans | 356.1737% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 3,022 |
| Noncurrent loans to loans | 0.5047% | 2,758 |
| Net loans and leases to total assets | 69.2222% | 2,703 |
| Net loans and leases to deposits | 78.4687% | 3,112 |
| Net loans and leases to core deposits | 112.1537% | 873 |
| Total domestic deposits to total assets | 88.2162% | 1,208 |
| Equity capital to assets | 8.5957% | 4,871 |
| Core capital (leverage) ratio | 9.2896% | 4,360 |
| Tier 1 risk-based capital ratio | 11.6541% | 4,640 |
| Total risk-based capital ratio | 12.9114% | 4,528 |
| Memoranda: | ||
| Average total assets | $346,611,400 | 1,927 |
| Average earning assets | $334,549,600 | 1,871 |
| Average equity | $33,581,200 | 2,131 |
| Average total loans | $273,879,400 | 1,707 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4807% | 382 |
| Cost of funding earning assets | 1.1323% | 348 |
| Net interest margin | 4.3483% | 1,015 |
| Noninterest income to average assets | 1.3819% | 497 |
| Noninterest expense to average assets | 3.2398% | 1,438 |
| Loan and lease loss provision to assets | 0.4736% | 249 |
| Net operating income to assets | 1.2982% | 1,868 |
| Return on assets (ROA) | 1.2982% | 1,871 |
| Pretax return on assets | 1.8571% | 892 |
| Return on Equity (ROE) | 12.9407% | 1,455 |
| Retained earnings to average equity (ytd only) | 12.9407% | 368 |
| Net charge-offs to loans | 0.1015% | 1,476 |
| Credit loss provision to net charge-offs | 571.2195% | 627 |
| Earnings coverage of net charge-offs (x) | 28.1118% | 1,679 |
| Efficiency ratio | 58.1603% | 4,093 |
| Assets per employee ($millions) | 6.1995% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8908% | 609 |
| Loan loss allowance to noncurrent loans | 272.9839% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 2,320 |
| Noncurrent loans to loans | 0.6926% | 2,346 |
| Net loans and leases to total assets | 78.1545% | 1,324 |
| Net loans and leases to deposits | 90.3166% | 1,854 |
| Net loans and leases to core deposits | 123.0163% | 488 |
| Total domestic deposits to total assets | 86.5340% | 1,958 |
| Equity capital to assets | 9.6743% | 3,932 |
| Core capital (leverage) ratio | 9.6397% | 4,000 |
| Tier 1 risk-based capital ratio | 11.7225% | 4,653 |
| Total risk-based capital ratio | 12.9814% | 4,537 |
| Memoranda: | ||
| Average total assets | $329,683,250 | 2,002 |
| Average earning assets | $317,569,500 | 1,948 |
| Average equity | $33,073,000 | 2,159 |
| Average total loans | $269,335,750 | 1,733 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5223% | 309 |
| Cost of funding earning assets | 1.0639% | 342 |
| Net interest margin | 4.4584% | 753 |
| Noninterest income to average assets | 1.2536% | 610 |
| Noninterest expense to average assets | 3.3648% | 1,193 |
| Loan and lease loss provision to assets | 0.5136% | 221 |
| Net operating income to assets | 1.1960% | 2,218 |
| Return on assets (ROA) | 1.1960% | 2,217 |
| Pretax return on assets | 1.6640% | 1,308 |
| Return on Equity (ROE) | 11.7654% | 1,815 |
| Retained earnings to average equity (ytd only) | 11.7654% | 557 |
| Net charge-offs to loans | 0.1798% | 875 |
| Credit loss provision to net charge-offs | 346.4135% | 909 |
| Earnings coverage of net charge-offs (x) | 14.6878% | 2,082 |
| Efficiency ratio | 60.7111% | 3,813 |
| Assets per employee ($millions) | 5.4062% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 729 |
| Loan loss allowance to noncurrent loans | 248.3473% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 2,161 |
| Noncurrent loans to loans | 0.7317% | 2,279 |
| Net loans and leases to total assets | 82.4805% | 656 |
| Net loans and leases to deposits | 96.1178% | 1,122 |
| Net loans and leases to core deposits | 130.6623% | 320 |
| Total domestic deposits to total assets | 85.8119% | 2,366 |
| Equity capital to assets | 10.1520% | 3,488 |
| Core capital (leverage) ratio | 9.7007% | 3,885 |
| Tier 1 risk-based capital ratio | 11.5036% | 4,784 |
| Total risk-based capital ratio | 12.7610% | 4,678 |
| Memoranda: | ||
| Average total assets | $319,720,670 | 2,068 |
| Average earning assets | $307,551,000 | 2,003 |
| Average equity | $32,502,000 | 2,196 |
| Average total loans | $263,635,330 | 1,774 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 478 |
| Cost of funding earning assets | 1.0211% | 334 |
| Net interest margin | 4.1904% | 1,193 |
| Noninterest income to average assets | 1.4414% | 455 |
| Noninterest expense to average assets | 3.5095% | 988 |
| Loan and lease loss provision to assets | 0.3813% | 304 |
| Net operating income to assets | 1.1338% | 2,272 |
| Return on assets (ROA) | 1.1338% | 2,287 |
| Pretax return on assets | 1.5774% | 1,461 |
| Return on Equity (ROE) | 11.1453% | 1,908 |
| Retained earnings to average equity (ytd only) | 11.1453% | 860 |
| Net charge-offs to loans | 0.3129% | 485 |
| Credit loss provision to net charge-offs | 149.2537% | 1,238 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,067 |
| Efficiency ratio | 64.1795% | 3,451 |
| Assets per employee ($millions) | 4.9535% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 870 |
| Loan loss allowance to noncurrent loans | 234.6055% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7611% | 2,048 |
| Noncurrent loans to loans | 0.7442% | 2,346 |
| Net loans and leases to total assets | 80.7489% | 827 |
| Net loans and leases to deposits | 94.3204% | 1,200 |
| Net loans and leases to core deposits | 125.9465% | 423 |
| Total domestic deposits to total assets | 85.6113% | 2,708 |
| Equity capital to assets | 10.2408% | 3,348 |
| Core capital (leverage) ratio | 9.7323% | 3,818 |
| Tier 1 risk-based capital ratio | 11.5000% | 4,861 |
| Total risk-based capital ratio | 12.7561% | 4,754 |
| Memoranda: | ||
| Average total assets | $314,693,000 | 2,109 |
| Average earning assets | $302,408,500 | 2,042 |
| Average equity | $32,013,500 | 2,241 |
| Average total loans | $256,935,500 | 1,814 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 1,020 |
| Cost of funding earning assets | 0.9567% | 276 |
| Net interest margin | 3.8189% | 2,357 |
| Noninterest income to average assets | 1.9974% | 300 |
| Noninterest expense to average assets | 3.8084% | 690 |
| Loan and lease loss provision to assets | 0.5352% | 243 |
| Net operating income to assets | 1.3018% | 1,217 |
| Return on assets (ROA) | 1.3018% | 1,230 |
| Pretax return on assets | 1.3397% | 2,215 |
| Return on Equity (ROE) | 14.1742% | 734 |
| Retained earnings to average equity (ytd only) | 14.1742% | 101 |
| Net charge-offs to loans | 0.4141% | 600 |
| Credit loss provision to net charge-offs | 163.6566% | 1,639 |
| Earnings coverage of net charge-offs (x) | 5.7336% | 3,279 |
| Efficiency ratio | 67.0109% | 3,079 |
| Assets per employee ($millions) | 4.8599% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 1,081 |
| Loan loss allowance to noncurrent loans | 119.2708% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.1111% | 1,359 |
| Noncurrent loans to loans | 1.3642% | 1,275 |
| Net loans and leases to total assets | 80.1217% | 944 |
| Net loans and leases to deposits | 93.0609% | 1,380 |
| Net loans and leases to core deposits | 123.9025% | 478 |
| Total domestic deposits to total assets | 86.0960% | 2,391 |
| Equity capital to assets | 9.7205% | 4,007 |
| Core capital (leverage) ratio | 9.7358% | 3,762 |
| Tier 1 risk-based capital ratio | 11.8612% | 4,622 |
| Total risk-based capital ratio | 13.1159% | 4,502 |
| Memoranda: | ||
| Average total assets | $274,312,400 | 2,320 |
| Average earning assets | $264,763,400 | 2,253 |
| Average equity | $25,193,600 | 2,663 |
| Average total loans | $216,624,600 | 2,023 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 1,104 |
| Cost of funding earning assets | 0.9210% | 310 |
| Net interest margin | 3.7933% | 2,429 |
| Noninterest income to average assets | 2.1966% | 278 |
| Noninterest expense to average assets | 3.9014% | 592 |
| Loan and lease loss provision to assets | 0.3772% | 380 |
| Net operating income to assets | 1.5353% | 828 |
| Return on assets (ROA) | 1.5353% | 856 |
| Pretax return on assets | 1.5780% | 1,492 |
| Return on Equity (ROE) | 17.0078% | 419 |
| Retained earnings to average equity (ytd only) | 17.0078% | 76 |
| Net charge-offs to loans | 0.3175% | 662 |
| Credit loss provision to net charge-offs | 151.8219% | 1,675 |
| Earnings coverage of net charge-offs (x) | 7.8704% | 2,831 |
| Efficiency ratio | 66.6151% | 3,103 |
| Assets per employee ($millions) | 4.5213% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 1,032 |
| Loan loss allowance to noncurrent loans | 115.9257% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 1,455 |
| Noncurrent loans to loans | 1.4683% | 1,269 |
| Net loans and leases to total assets | 75.9773% | 1,594 |
| Net loans and leases to deposits | 89.3368% | 1,888 |
| Net loans and leases to core deposits | 117.5098% | 682 |
| Total domestic deposits to total assets | 85.0460% | 2,695 |
| Equity capital to assets | 10.2606% | 3,626 |
| Core capital (leverage) ratio | 10.6871% | 2,781 |
| Tier 1 risk-based capital ratio | 12.9804% | 4,023 |
| Total risk-based capital ratio | 14.2357% | 3,926 |
| Memoranda: | ||
| Average total assets | $265,132,250 | 2,392 |
| Average earning assets | $255,813,500 | 2,324 |
| Average equity | $23,933,500 | 2,787 |
| Average total loans | $207,449,000 | 2,107 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 1,112 |
| Cost of funding earning assets | 0.8954% | 316 |
| Net interest margin | 3.7778% | 2,370 |
| Noninterest income to average assets | 2.3380% | 250 |
| Noninterest expense to average assets | 4.0100% | 521 |
| Loan and lease loss provision to assets | 0.4668% | 257 |
| Net operating income to assets | 1.4386% | 979 |
| Return on assets (ROA) | 1.4386% | 1,010 |
| Pretax return on assets | 1.5047% | 1,616 |
| Return on Equity (ROE) | 16.7979% | 432 |
| Retained earnings to average equity (ytd only) | 16.7979% | 92 |
| Net charge-offs to loans | 0.5276% | 368 |
| Credit loss provision to net charge-offs | 112.5704% | 1,856 |
| Earnings coverage of net charge-offs (x) | 4.7542% | 2,889 |
| Efficiency ratio | 67.0395% | 3,178 |
| Assets per employee ($millions) | 4.1769% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 1,033 |
| Loan loss allowance to noncurrent loans | 120.1195% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.3075% | 1,263 |
| Noncurrent loans to loans | 1.4265% | 1,334 |
| Net loans and leases to total assets | 80.1395% | 931 |
| Net loans and leases to deposits | 93.3421% | 1,326 |
| Net loans and leases to core deposits | 116.2675% | 699 |
| Total domestic deposits to total assets | 85.8557% | 2,440 |
| Equity capital to assets | 8.8965% | 4,993 |
| Core capital (leverage) ratio | 8.7293% | 5,026 |
| Tier 1 risk-based capital ratio | 10.4545% | 5,476 |
| Total risk-based capital ratio | 11.7097% | 5,402 |
| Memoranda: | ||
| Average total assets | $257,056,330 | 2,469 |
| Average earning assets | $247,924,000 | 2,393 |
| Average equity | $22,014,670 | 2,970 |
| Average total loans | $202,047,000 | 2,150 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 1,172 |
| Cost of funding earning assets | 0.9241% | 248 |
| Net interest margin | 3.6623% | 2,643 |
| Noninterest income to average assets | 1.8274% | 356 |
| Noninterest expense to average assets | 3.8797% | 614 |
| Loan and lease loss provision to assets | 0.2343% | 655 |
| Net operating income to assets | 1.1183% | 1,799 |
| Return on assets (ROA) | 1.1183% | 1,837 |
| Pretax return on assets | 1.2479% | 2,421 |
| Return on Equity (ROE) | 13.3194% | 937 |
| Retained earnings to average equity (ytd only) | 13.3194% | 352 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3565% | 2,510 |
| Assets per employee ($millions) | 4.3577% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8394% | 892 |
| Loan loss allowance to noncurrent loans | 98.2479% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.6384% | 944 |
| Noncurrent loans to loans | 1.8722% | 986 |
| Net loans and leases to total assets | 78.1431% | 1,113 |
| Net loans and leases to deposits | 90.8795% | 1,440 |
| Net loans and leases to core deposits | 109.5061% | 901 |
| Total domestic deposits to total assets | 85.9854% | 2,671 |
| Equity capital to assets | 8.6546% | 5,105 |
| Core capital (leverage) ratio | 8.3575% | 5,336 |
| Tier 1 risk-based capital ratio | 10.2924% | 5,623 |
| Total risk-based capital ratio | 11.5486% | 5,560 |
| Memoranda: | ||
| Average total assets | $256,101,500 | 2,494 |
| Average earning assets | $247,170,000 | 2,419 |
| Average equity | $21,502,500 | 3,032 |
| Average total loans | $197,494,500 | 2,203 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 2,541 |
| Cost of funding earning assets | 1.0052% | 165 |
| Net interest margin | 3.1783% | 4,510 |
| Noninterest income to average assets | 1.6561% | 433 |
| Noninterest expense to average assets | 3.7161% | 864 |
| Loan and lease loss provision to assets | 0.1541% | 1,623 |
| Net operating income to assets | 0.8214% | 3,200 |
| Return on assets (ROA) | 0.8214% | 3,302 |
| Pretax return on assets | 0.8593% | 3,981 |
| Return on Equity (ROE) | 10.6211% | 1,723 |
| Retained earnings to average equity (ytd only) | 10.6211% | 345 |
| Net charge-offs to loans | 0.0122% | 3,861 |
| Credit loss provision to net charge-offs | 1,747.8261% | 251 |
| Earnings coverage of net charge-offs (x) | 114.9130% | 528 |
| Efficiency ratio | 78.5714% | 1,612 |
| Assets per employee ($millions) | 4.4734% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 896 |
| Loan loss allowance to noncurrent loans | 108.7263% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.4195% | 1,200 |
| Noncurrent loans to loans | 1.6854% | 1,143 |
| Net loans and leases to total assets | 73.3199% | 1,955 |
| Net loans and leases to deposits | 84.6173% | 2,347 |
| Net loans and leases to core deposits | 103.6918% | 1,306 |
| Total domestic deposits to total assets | 86.6488% | 2,312 |
| Equity capital to assets | 8.1443% | 5,494 |
| Core capital (leverage) ratio | 7.8658% | 5,665 |
| Tier 1 risk-based capital ratio | 10.4750% | 5,581 |
| Total risk-based capital ratio | 11.7315% | 5,515 |
| Memoranda: | ||
| Average total assets | $260,787,400 | 2,436 |
| Average earning assets | $252,178,600 | 2,343 |
| Average equity | $20,167,400 | 3,155 |
| Average total loans | $188,236,400 | 2,225 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1653% | 2,628 |
| Cost of funding earning assets | 1.0066% | 167 |
| Net interest margin | 3.1587% | 4,610 |
| Noninterest income to average assets | 1.5671% | 504 |
| Noninterest expense to average assets | 3.4798% | 1,189 |
| Loan and lease loss provision to assets | 0.1542% | 1,511 |
| Net operating income to assets | 0.9446% | 2,677 |
| Return on assets (ROA) | 0.9446% | 2,813 |
| Pretax return on assets | 0.9885% | 3,672 |
| Return on Equity (ROE) | 12.3785% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.3785% | 262 |
| Net charge-offs to loans | 0.0264% | 3,141 |
| Credit loss provision to net charge-offs | 816.2162% | 495 |
| Earnings coverage of net charge-offs (x) | 60.4892% | 954 |
| Efficiency ratio | 75.2789% | 2,065 |
| Assets per employee ($millions) | 4.9002% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 1,075 |
| Loan loss allowance to noncurrent loans | 146.8176% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.3032% | 1,473 |
| Noncurrent loans to loans | 1.2034% | 1,866 |
| Net loans and leases to total assets | 69.6389% | 2,543 |
| Net loans and leases to deposits | 79.6369% | 3,008 |
| Net loans and leases to core deposits | 97.2365% | 1,887 |
| Total domestic deposits to total assets | 87.4454% | 1,694 |
| Equity capital to assets | 7.5897% | 5,833 |
| Core capital (leverage) ratio | 7.5738% | 5,820 |
| Tier 1 risk-based capital ratio | 10.4592% | 5,633 |
| Total risk-based capital ratio | 11.7153% | 5,558 |
| Memoranda: | ||
| Average total assets | $261,119,500 | 2,440 |
| Average earning assets | $252,590,000 | 2,351 |
| Average equity | $19,926,500 | 3,200 |
| Average total loans | $186,849,000 | 2,242 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 3,083 |
| Cost of funding earning assets | 1.0075% | 164 |
| Net interest margin | 3.0385% | 4,996 |
| Noninterest income to average assets | 1.7757% | 407 |
| Noninterest expense to average assets | 3.5576% | 1,073 |
| Loan and lease loss provision to assets | 0.1083% | 2,053 |
| Net operating income to assets | 1.0441% | 2,211 |
| Return on assets (ROA) | 1.0441% | 2,333 |
| Pretax return on assets | 1.0519% | 3,390 |
| Return on Equity (ROE) | 13.6551% | 895 |
| Retained earnings to average equity (ytd only) | 13.6551% | 206 |
| Net charge-offs to loans | 0.1183% | 1,653 |
| Credit loss provision to net charge-offs | 127.5229% | 1,785 |
| Earnings coverage of net charge-offs (x) | 13.6606% | 2,110 |
| Efficiency ratio | 75.4088% | 2,165 |
| Assets per employee ($millions) | 4.7285% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 1,277 |
| Loan loss allowance to noncurrent loans | 135.3339% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3595% | 1,459 |
| Noncurrent loans to loans | 1.2555% | 1,825 |
| Net loans and leases to total assets | 69.9588% | 2,490 |
| Net loans and leases to deposits | 80.2422% | 2,901 |
| Net loans and leases to core deposits | 96.1933% | 1,960 |
| Total domestic deposits to total assets | 87.1845% | 1,819 |
| Equity capital to assets | 7.6629% | 5,881 |
| Core capital (leverage) ratio | 7.5018% | 5,882 |
| Tier 1 risk-based capital ratio | 10.4126% | 5,712 |
| Total risk-based capital ratio | 11.6677% | 5,627 |
| Memoranda: | ||
| Average total assets | $256,689,330 | 2,477 |
| Average earning assets | $248,540,330 | 2,394 |
| Average equity | $19,626,330 | 3,237 |
| Average total loans | $184,287,670 | 2,273 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 3,313 |
| Cost of funding earning assets | 0.9771% | 194 |
| Net interest margin | 2.9979% | 5,123 |
| Noninterest income to average assets | 2.0373% | 332 |
| Noninterest expense to average assets | 3.4657% | 1,245 |
| Loan and lease loss provision to assets | 0.2199% | 874 |
| Net operating income to assets | 1.2638% | 1,359 |
| Return on assets (ROA) | 1.2638% | 1,449 |
| Pretax return on assets | 1.2638% | 2,452 |
| Return on Equity (ROE) | 16.3671% | 498 |
| Retained earnings to average equity (ytd only) | 16.3671% | 177 |
| Net charge-offs to loans | -0.0328% | 5,104 |
| Credit loss provision to net charge-offs | -926.6667% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0224% | 3,124 |
| Assets per employee ($millions) | 4.9660% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8018% | 1,148 |
| Loan loss allowance to noncurrent loans | 82.1640% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 2.0661% | 826 |
| Noncurrent loans to loans | 2.1930% | 932 |
| Net loans and leases to total assets | 68.8697% | 2,518 |
| Net loans and leases to deposits | 78.8596% | 2,911 |
| Net loans and leases to core deposits | 92.6708% | 2,127 |
| Total domestic deposits to total assets | 87.3321% | 2,038 |
| Equity capital to assets | 7.5684% | 5,936 |
| Core capital (leverage) ratio | 7.7650% | 5,860 |
| Tier 1 risk-based capital ratio | 10.1503% | 5,876 |
| Total risk-based capital ratio | 11.4057% | 5,805 |
| Memoranda: | ||
| Average total assets | $252,879,000 | 2,518 |
| Average earning assets | $245,637,000 | 2,424 |
| Average equity | $19,527,000 | 3,251 |
| Average total loans | $183,098,000 | 2,280 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 2,815 |
| Cost of funding earning assets | 0.9673% | 203 |
| Net interest margin | 3.1622% | 4,747 |
| Noninterest income to average assets | 1.5610% | 514 |
| Noninterest expense to average assets | 3.6863% | 998 |
| Loan and lease loss provision to assets | 0.3097% | 542 |
| Net operating income to assets | 0.6157% | 4,196 |
| Return on assets (ROA) | 0.6157% | 4,293 |
| Pretax return on assets | 0.6214% | 4,777 |
| Return on Equity (ROE) | 7.0810% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.0810% | 1,247 |
| Net charge-offs to loans | -0.0955% | 5,761 |
| Credit loss provision to net charge-offs | -415.8228% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8346% | 1,698 |
| Assets per employee ($millions) | 4.6646% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 1,249 |
| Loan loss allowance to noncurrent loans | 82.7334% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.1537% | 793 |
| Noncurrent loans to loans | 2.1112% | 971 |
| Net loans and leases to total assets | 73.5630% | 1,798 |
| Net loans and leases to deposits | 84.9798% | 2,243 |
| Net loans and leases to core deposits | 98.5154% | 1,630 |
| Total domestic deposits to total assets | 86.5653% | 2,344 |
| Equity capital to assets | 7.8884% | 5,893 |
| Core capital (leverage) ratio | 8.1302% | 5,759 |
| Tier 1 risk-based capital ratio | 10.2343% | 5,884 |
| Total risk-based capital ratio | 11.4900% | 5,807 |
| Memoranda: | ||
| Average total assets | $212,109,800 | 2,823 |
| Average earning assets | $205,013,000 | 2,729 |
| Average equity | $18,443,800 | 3,321 |
| Average total loans | $165,429,200 | 2,397 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 2,739 |
| Cost of funding earning assets | 0.9725% | 202 |
| Net interest margin | 3.1801% | 4,735 |
| Noninterest income to average assets | 1.5074% | 546 |
| Noninterest expense to average assets | 3.7065% | 965 |
| Loan and lease loss provision to assets | 0.2797% | 557 |
| Net operating income to assets | 0.5855% | 4,449 |
| Return on assets (ROA) | 0.5855% | 4,547 |
| Pretax return on assets | 0.5914% | 4,992 |
| Return on Equity (ROE) | 6.5529% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.5529% | 1,921 |
| Net charge-offs to loans | -0.0801% | 5,709 |
| Credit loss provision to net charge-offs | -442.2680% | 5,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9714% | 1,521 |
| Assets per employee ($millions) | 4.0088% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 1,752 |
| Loan loss allowance to noncurrent loans | 71.8306% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.5439% | 671 |
| Noncurrent loans to loans | 2.2410% | 970 |
| Net loans and leases to total assets | 82.9671% | 476 |
| Net loans and leases to deposits | 98.6689% | 758 |
| Net loans and leases to core deposits | 112.1477% | 756 |
| Total domestic deposits to total assets | 84.0863% | 3,388 |
| Equity capital to assets | 8.8264% | 5,466 |
| Core capital (leverage) ratio | 8.7009% | 5,351 |
| Tier 1 risk-based capital ratio | 10.2724% | 5,957 |
| Total risk-based capital ratio | 11.5267% | 5,899 |
| Memoranda: | ||
| Average total assets | $204,497,750 | 2,931 |
| Average earning assets | $197,431,250 | 2,828 |
| Average equity | $18,271,250 | 3,372 |
| Average total loans | $161,385,250 | 2,462 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 3,274 |
| Cost of funding earning assets | 0.9681% | 202 |
| Net interest margin | 3.0357% | 5,134 |
| Noninterest income to average assets | 1.5705% | 521 |
| Noninterest expense to average assets | 3.7663% | 914 |
| Loan and lease loss provision to assets | 0.1764% | 1,176 |
| Net operating income to assets | 0.5509% | 4,559 |
| Return on assets (ROA) | 0.5509% | 4,665 |
| Pretax return on assets | 0.5579% | 5,082 |
| Return on Equity (ROE) | 6.1400% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.1400% | 2,151 |
| Net charge-offs to loans | -0.0746% | 5,687 |
| Credit loss provision to net charge-offs | -306.8966% | 5,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6856% | 1,298 |
| Assets per employee ($millions) | 4.4361% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 2,150 |
| Loan loss allowance to noncurrent loans | 63.7503% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 2.6274% | 697 |
| Noncurrent loans to loans | 2.4033% | 950 |
| Net loans and leases to total assets | 79.9596% | 809 |
| Net loans and leases to deposits | 95.2320% | 1,030 |
| Net loans and leases to core deposits | 104.1689% | 1,176 |
| Total domestic deposits to total assets | 83.9630% | 3,581 |
| Equity capital to assets | 8.8399% | 5,394 |
| Core capital (leverage) ratio | 8.9927% | 4,983 |
| Tier 1 risk-based capital ratio | 10.3997% | 5,955 |
| Total risk-based capital ratio | 11.6523% | 5,901 |
| Memoranda: | ||
| Average total assets | $201,842,000 | 2,976 |
| Average earning assets | $194,816,670 | 2,881 |
| Average equity | $18,110,670 | 3,410 |
| Average total loans | $155,460,330 | 2,547 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 3,642 |
| Cost of funding earning assets | 1.0016% | 183 |
| Net interest margin | 2.8938% | 5,470 |
| Noninterest income to average assets | 1.3097% | 667 |
| Noninterest expense to average assets | 3.7599% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3325% | 5,303 |
| Return on assets (ROA) | 0.3325% | 5,412 |
| Pretax return on assets | 0.3385% | 5,559 |
| Return on Equity (ROE) | 3.6768% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.6768% | 3,802 |
| Net charge-offs to loans | -0.0862% | 5,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7404% | 731 |
| Assets per employee ($millions) | 4.1699% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 2,109 |
| Loan loss allowance to noncurrent loans | 86.1261% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 2.0904% | 1,111 |
| Noncurrent loans to loans | 1.8391% | 1,462 |
| Net loans and leases to total assets | 74.1934% | 1,472 |
| Net loans and leases to deposits | 88.9063% | 1,520 |
| Net loans and leases to core deposits | 95.9327% | 1,618 |
| Total domestic deposits to total assets | 83.4512% | 4,028 |
| Equity capital to assets | 9.0251% | 5,256 |
| Core capital (leverage) ratio | 8.9015% | 5,070 |
| Tier 1 risk-based capital ratio | 11.4606% | 5,578 |
| Total risk-based capital ratio | 12.7136% | 5,490 |
| Memoranda: | ||
| Average total assets | $198,513,500 | 3,032 |
| Average earning assets | $191,302,500 | 2,933 |
| Average equity | $17,950,500 | 3,453 |
| Average total loans | $148,536,000 | 2,640 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 4,178 |
| Cost of funding earning assets | 1.2266% | 76 |
| Net interest margin | 2.6595% | 5,997 |
| Noninterest income to average assets | 0.4557% | 3,796 |
| Noninterest expense to average assets | 4.5114% | 455 |
| Loan and lease loss provision to assets | -0.1776% | 6,268 |
| Net operating income to assets | -1.3228% | 6,414 |
| Return on assets (ROA) | -1.3228% | 6,414 |
| Pretax return on assets | -1.3146% | 6,407 |
| Return on Equity (ROE) | -18.9076% | 6,436 |
| Retained earnings to average equity (ytd only) | -18.9076% | 6,418 |
| Net charge-offs to loans | 0.3217% | 1,374 |
| Credit loss provision to net charge-offs | -76.6509% | 5,473 |
| Earnings coverage of net charge-offs (x) | -6.4410% | 4,902 |
| Efficiency ratio | 149.4209% | 54 |
| Assets per employee ($millions) | 4.1098% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 2,050 |
| Loan loss allowance to noncurrent loans | 72.3313% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.5681% | 885 |
| Noncurrent loans to loans | 2.2301% | 1,185 |
| Net loans and leases to total assets | 72.9067% | 1,776 |
| Net loans and leases to deposits | 87.7976% | 1,757 |
| Net loans and leases to core deposits | 93.2898% | 1,967 |
| Total domestic deposits to total assets | 83.0395% | 4,065 |
| Equity capital to assets | 9.2432% | 5,017 |
| Core capital (leverage) ratio | 9.6489% | 4,034 |
| Tier 1 risk-based capital ratio | 11.7060% | 5,543 |
| Total risk-based capital ratio | 12.9598% | 5,449 |
| Memoranda: | ||
| Average total assets | $183,024,000 | 3,176 |
| Average earning assets | $176,422,400 | 3,084 |
| Average equity | $12,804,400 | 4,230 |
| Average total loans | $131,795,400 | 2,832 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8697% | 4,281 |
| Cost of funding earning assets | 1.2144% | 82 |
| Net interest margin | 2.6553% | 6,067 |
| Noninterest income to average assets | 0.5498% | 3,203 |
| Noninterest expense to average assets | 4.5758% | 423 |
| Loan and lease loss provision to assets | -0.2415% | 6,420 |
| Net operating income to assets | -1.2318% | 6,483 |
| Return on assets (ROA) | -1.2318% | 6,482 |
| Pretax return on assets | -1.2229% | 6,471 |
| Return on Equity (ROE) | -19.3117% | 6,505 |
| Retained earnings to average equity (ytd only) | -19.3117% | 6,484 |
| Net charge-offs to loans | 0.4826% | 814 |
| Credit loss provision to net charge-offs | -70.0431% | 5,391 |
| Earnings coverage of net charge-offs (x) | -4.2478% | 4,601 |
| Efficiency ratio | 147.0630% | 61 |
| Assets per employee ($millions) | 3.9260% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7662% | 1,778 |
| Loan loss allowance to noncurrent loans | 75.5787% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 2.8338% | 860 |
| Noncurrent loans to loans | 2.3369% | 1,274 |
| Net loans and leases to total assets | 69.8710% | 2,215 |
| Net loans and leases to deposits | 86.5693% | 1,845 |
| Net loans and leases to core deposits | 92.5176% | 1,992 |
| Total domestic deposits to total assets | 80.7110% | 4,917 |
| Equity capital to assets | 10.2867% | 3,804 |
| Core capital (leverage) ratio | 10.0772% | 3,562 |
| Tier 1 risk-based capital ratio | 13.6171% | 4,465 |
| Total risk-based capital ratio | 14.8725% | 4,402 |
| Memoranda: | ||
| Average total assets | $179,462,500 | 3,240 |
| Average earning assets | $173,136,750 | 3,150 |
| Average equity | $11,447,000 | 4,498 |
| Average total loans | $128,199,000 | 2,910 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 4,113 |
| Cost of funding earning assets | 1.2240% | 82 |
| Net interest margin | 2.6830% | 6,067 |
| Noninterest income to average assets | 0.7346% | 2,114 |
| Noninterest expense to average assets | 4.7937% | 359 |
| Loan and lease loss provision to assets | -0.3656% | 6,551 |
| Net operating income to assets | -1.1093% | 6,541 |
| Return on assets (ROA) | -1.1093% | 6,539 |
| Pretax return on assets | -1.0991% | 6,522 |
| Return on Equity (ROE) | -22.0689% | 6,584 |
| Retained earnings to average equity (ytd only) | -22.0689% | 6,547 |
| Net charge-offs to loans | 0.1022% | 2,661 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | -20.0308% | 4,336 |
| Efficiency ratio | 144.0014% | 62 |
| Assets per employee ($millions) | 4.6858% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 1,147 |
| Loan loss allowance to noncurrent loans | 53.8340% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 3.1716% | 786 |
| Noncurrent loans to loans | 3.9346% | 611 |
| Net loans and leases to total assets | 68.7041% | 2,289 |
| Net loans and leases to deposits | 85.3244% | 1,883 |
| Net loans and leases to core deposits | 92.0848% | 1,934 |
| Total domestic deposits to total assets | 80.5211% | 5,118 |
| Equity capital to assets | 10.3860% | 3,577 |
| Core capital (leverage) ratio | 10.8035% | 2,619 |
| Tier 1 risk-based capital ratio | 14.1324% | 4,170 |
| Total risk-based capital ratio | 15.3921% | 4,101 |
| Memoranda: | ||
| Average total assets | $177,776,670 | 3,277 |
| Average earning assets | $171,896,330 | 3,176 |
| Average equity | $8,935,670 | 5,044 |
| Average total loans | $127,184,000 | 2,921 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,263 |
| Cost of funding earning assets | 1.2445% | 80 |
| Net interest margin | 2.8597% | 5,830 |
| Noninterest income to average assets | 1.4262% | 576 |
| Noninterest expense to average assets | 4.1120% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0707% | 6,087 |
| Return on assets (ROA) | 0.0707% | 6,112 |
| Pretax return on assets | 0.0776% | 6,109 |
| Return on Equity (ROE) | 3.1685% | 5,406 |
| Retained earnings to average equity (ytd only) | 3.1685% | 4,229 |
| Net charge-offs to loans | 0.2274% | 1,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.4722% | 3,339 |
| Efficiency ratio | 98.1481% | 537 |
| Assets per employee ($millions) | 5.2140% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4236% | 883 |
| Loan loss allowance to noncurrent loans | 46.8364% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 4.2287% | 535 |
| Noncurrent loans to loans | 5.1746% | 416 |
| Net loans and leases to total assets | 71.0167% | 1,721 |
| Net loans and leases to deposits | 80.8089% | 2,188 |
| Net loans and leases to core deposits | 86.6905% | 2,243 |
| Total domestic deposits to total assets | 87.8822% | 2,297 |
| Equity capital to assets | 2.2864% | 6,707 |
| Core capital (leverage) ratio | 2.0836% | 6,719 |
| Tier 1 risk-based capital ratio | 2.8374% | 6,718 |
| Total risk-based capital ratio | 4.1004% | 6,718 |
| Memoranda: | ||
| Average total assets | $175,292,000 | 3,328 |
| Average earning assets | $169,389,000 | 3,225 |
| Average equity | $3,913,500 | 6,265 |
| Average total loans | $126,640,500 | 2,931 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7131% | 1,537 |
| Cost of funding earning assets | 1.2401% | 143 |
| Net interest margin | 3.4730% | 4,016 |
| Noninterest income to average assets | 0.7755% | 2,183 |
| Noninterest expense to average assets | 5.2025% | 299 |
| Loan and lease loss provision to assets | -0.3012% | 6,677 |
| Net operating income to assets | -0.7865% | 6,565 |
| Return on assets (ROA) | -0.7865% | 6,564 |
| Pretax return on assets | -0.7728% | 6,550 |
| Return on Equity (ROE) | -30.2520% | 6,727 |
| Retained earnings to average equity (ytd only) | -30.2520% | 6,721 |
| Net charge-offs to loans | 0.9909% | 592 |
| Credit loss provision to net charge-offs | -42.6026% | 5,772 |
| Earnings coverage of net charge-offs (x) | -1.5190% | 5,299 |
| Efficiency ratio | 126.0149% | 142 |
| Assets per employee ($millions) | 4.5775% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4263% | 901 |
| Loan loss allowance to noncurrent loans | 43.4728% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 4.2398% | 610 |
| Noncurrent loans to loans | 5.5812% | 400 |
| Net loans and leases to total assets | 69.9893% | 2,011 |
| Net loans and leases to deposits | 79.8317% | 2,477 |
| Net loans and leases to core deposits | 85.4070% | 2,520 |
| Total domestic deposits to total assets | 87.6711% | 2,383 |
| Equity capital to assets | 2.1807% | 6,787 |
| Core capital (leverage) ratio | 2.0172% | 6,799 |
| Tier 1 risk-based capital ratio | 2.8437% | 6,797 |
| Total risk-based capital ratio | 4.1082% | 6,797 |
| Memoranda: | ||
| Average total assets | $182,585,600 | 3,244 |
| Average earning assets | $176,273,800 | 3,127 |
| Average equity | $4,746,800 | 6,129 |
| Average total loans | $130,282,600 | 2,864 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 1,799 |
| Cost of funding earning assets | 1.2384% | 168 |
| Net interest margin | 3.3925% | 4,318 |
| Noninterest income to average assets | 0.8133% | 2,081 |
| Noninterest expense to average assets | 4.8481% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.7719% | 6,666 |
| Return on assets (ROA) | -0.7719% | 6,673 |
| Pretax return on assets | -0.7603% | 6,650 |
| Return on Equity (ROE) | -28.5732% | 6,808 |
| Retained earnings to average equity (ytd only) | -28.5732% | 6,801 |
| Net charge-offs to loans | 0.7327% | 814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.4562% | 5,040 |
| Efficiency ratio | 118.6001% | 183 |
| Assets per employee ($millions) | 4.2053% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1740% | 465 |
| Loan loss allowance to noncurrent loans | 40.7240% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 5.7546% | 437 |
| Noncurrent loans to loans | 7.7938% | 233 |
| Net loans and leases to total assets | 71.3609% | 1,716 |
| Net loans and leases to deposits | 81.2494% | 2,238 |
| Net loans and leases to core deposits | 87.0646% | 2,277 |
| Total domestic deposits to total assets | 87.8295% | 2,229 |
| Equity capital to assets | 2.3752% | 6,866 |
| Core capital (leverage) ratio | 2.1964% | 6,879 |
| Tier 1 risk-based capital ratio | 3.0333% | 6,882 |
| Total risk-based capital ratio | 4.3066% | 6,881 |
| Memoranda: | ||
| Average total assets | $183,601,250 | 3,264 |
| Average earning assets | $177,211,750 | 3,141 |
| Average equity | $4,960,250 | 6,148 |
| Average total loans | $130,839,750 | 2,862 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 1,535 |
| Cost of funding earning assets | 1.2276% | 192 |
| Net interest margin | 3.4826% | 3,849 |
| Noninterest income to average assets | 0.8909% | 1,841 |
| Noninterest expense to average assets | 5.0031% | 353 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.7674% | 6,709 |
| Return on assets (ROA) | -0.7674% | 6,717 |
| Pretax return on assets | -0.7544% | 6,697 |
| Return on Equity (ROE) | -27.3254% | 6,853 |
| Retained earnings to average equity (ytd only) | -27.3254% | 6,837 |
| Net charge-offs to loans | 0.4337% | 1,493 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.4681% | 4,781 |
| Efficiency ratio | 117.7551% | 201 |
| Assets per employee ($millions) | 4.0060% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5715% | 350 |
| Loan loss allowance to noncurrent loans | 41.0595% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 6.3356% | 411 |
| Noncurrent loans to loans | 8.6983% | 215 |
| Net loans and leases to total assets | 69.8848% | 1,908 |
| Net loans and leases to deposits | 79.8241% | 2,343 |
| Net loans and leases to core deposits | 85.1170% | 2,423 |
| Total domestic deposits to total assets | 87.5485% | 2,521 |
| Equity capital to assets | 2.5878% | 6,912 |
| Core capital (leverage) ratio | 2.3746% | 6,923 |
| Tier 1 risk-based capital ratio | 3.4090% | 6,921 |
| Total risk-based capital ratio | 4.6884% | 6,921 |
| Memoranda: | ||
| Average total assets | $184,525,000 | 3,271 |
| Average earning assets | $177,913,000 | 3,147 |
| Average equity | $5,182,000 | 6,136 |
| Average total loans | $130,029,000 | 2,874 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 1,027 |
| Cost of funding earning assets | 1.2206% | 212 |
| Net interest margin | 3.6997% | 2,851 |
| Noninterest income to average assets | 1.1401% | 1,152 |
| Noninterest expense to average assets | 4.9804% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2893% | 6,568 |
| Return on assets (ROA) | -0.2893% | 6,606 |
| Pretax return on assets | -0.2743% | 6,587 |
| Return on Equity (ROE) | -9.9256% | 6,805 |
| Retained earnings to average equity (ytd only) | -9.9256% | 6,614 |
| Net charge-offs to loans | 0.4132% | 1,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.9552% | 3,961 |
| Efficiency ratio | 105.8288% | 399 |
| Assets per employee ($millions) | 4.1067% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7701% | 339 |
| Loan loss allowance to noncurrent loans | 39.4704% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 6.7348% | 429 |
| Noncurrent loans to loans | 9.5517% | 234 |
| Net loans and leases to total assets | 66.5043% | 2,281 |
| Net loans and leases to deposits | 76.2620% | 2,595 |
| Net loans and leases to core deposits | 81.5587% | 2,631 |
| Total domestic deposits to total assets | 87.2051% | 2,831 |
| Equity capital to assets | 2.8945% | 6,983 |
| Core capital (leverage) ratio | 2.6459% | 6,982 |
| Tier 1 risk-based capital ratio | 3.9327% | 6,980 |
| Total risk-based capital ratio | 5.2149% | 6,980 |
| Memoranda: | ||
| Average total assets | $186,653,500 | 3,276 |
| Average earning assets | $179,906,000 | 3,148 |
| Average equity | $5,440,500 | 6,125 |
| Average total loans | $129,720,500 | 2,898 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 1,974 |
| Cost of funding earning assets | 1.2978% | 379 |
| Net interest margin | 3.5648% | 4,250 |
| Noninterest income to average assets | 0.5240% | 3,754 |
| Noninterest expense to average assets | 5.2256% | 325 |
| Loan and lease loss provision to assets | -0.3244% | 7,018 |
| Net operating income to assets | -0.9737% | 6,736 |
| Return on assets (ROA) | -0.9737% | 6,752 |
| Pretax return on assets | -0.9612% | 6,726 |
| Return on Equity (ROE) | -29.7101% | 6,952 |
| Retained earnings to average equity (ytd only) | -29.7101% | 6,934 |
| Net charge-offs to loans | 0.5439% | 2,100 |
| Credit loss provision to net charge-offs | -91.4205% | 6,327 |
| Earnings coverage of net charge-offs (x) | -3.6231% | 5,886 |
| Efficiency ratio | 132.6282% | 150 |
| Assets per employee ($millions) | 3.9272% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7570% | 337 |
| Loan loss allowance to noncurrent loans | 36.8888% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 7.2480% | 420 |
| Noncurrent loans to loans | 10.1848% | 223 |
| Net loans and leases to total assets | 67.2532% | 2,328 |
| Net loans and leases to deposits | 77.2917% | 2,612 |
| Net loans and leases to core deposits | 82.6226% | 2,705 |
| Total domestic deposits to total assets | 87.0122% | 2,841 |
| Equity capital to assets | 2.9346% | 7,039 |
| Core capital (leverage) ratio | 2.6753% | 7,038 |
| Tier 1 risk-based capital ratio | 3.9829% | 7,039 |
| Total risk-based capital ratio | 5.2689% | 7,036 |
| Memoranda: | ||
| Average total assets | $200,377,400 | 3,037 |
| Average earning assets | $192,016,400 | 2,931 |
| Average equity | $6,566,800 | 5,877 |
| Average total loans | $130,722,600 | 2,877 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8189% | 2,321 |
| Cost of funding earning assets | 1.3261% | 395 |
| Net interest margin | 3.4927% | 4,677 |
| Noninterest income to average assets | 0.4564% | 4,236 |
| Noninterest expense to average assets | 5.0842% | 348 |
| Loan and lease loss provision to assets | -0.3278% | 7,127 |
| Net operating income to assets | -0.9698% | 6,853 |
| Return on assets (ROA) | -0.9698% | 6,881 |
| Pretax return on assets | -0.9566% | 6,852 |
| Return on Equity (ROE) | -28.8909% | 7,057 |
| Retained earnings to average equity (ytd only) | -28.8909% | 7,048 |
| Net charge-offs to loans | 0.3955% | 2,510 |
| Credit loss provision to net charge-offs | -129.1990% | 6,274 |
| Earnings coverage of net charge-offs (x) | -5.0620% | 5,713 |
| Efficiency ratio | 133.8050% | 134 |
| Assets per employee ($millions) | 3.9984% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1523% | 271 |
| Loan loss allowance to noncurrent loans | 38.2241% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 7.8787% | 400 |
| Noncurrent loans to loans | 10.8632% | 209 |
| Net loans and leases to total assets | 65.2350% | 2,796 |
| Net loans and leases to deposits | 77.0003% | 2,815 |
| Net loans and leases to core deposits | 82.2090% | 2,936 |
| Total domestic deposits to total assets | 84.7204% | 3,876 |
| Equity capital to assets | 3.1638% | 7,130 |
| Core capital (leverage) ratio | 2.8545% | 7,134 |
| Tier 1 risk-based capital ratio | 4.3853% | 7,129 |
| Total risk-based capital ratio | 5.6741% | 7,131 |
| Memoranda: | ||
| Average total assets | $203,345,000 | 3,036 |
| Average earning assets | $194,646,500 | 2,929 |
| Average equity | $6,825,500 | 5,880 |
| Average total loans | $130,471,750 | 2,909 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8119% | 2,453 |
| Cost of funding earning assets | 1.3500% | 427 |
| Net interest margin | 3.4619% | 4,838 |
| Noninterest income to average assets | 0.5571% | 3,541 |
| Noninterest expense to average assets | 5.0127% | 377 |
| Loan and lease loss provision to assets | -0.4827% | 7,202 |
| Net operating income to assets | -0.6739% | 6,811 |
| Return on assets (ROA) | -0.6739% | 6,844 |
| Pretax return on assets | -0.6604% | 6,806 |
| Return on Equity (ROE) | -19.7268% | 7,033 |
| Retained earnings to average equity (ytd only) | -19.7268% | 7,009 |
| Net charge-offs to loans | 0.4831% | 2,141 |
| Credit loss provision to net charge-offs | -158.7302% | 6,111 |
| Earnings coverage of net charge-offs (x) | -3.7587% | 5,428 |
| Efficiency ratio | 129.5409% | 165 |
| Assets per employee ($millions) | 4.1580% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1813% | 305 |
| Loan loss allowance to noncurrent loans | 37.6826% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 7.9791% | 430 |
| Noncurrent loans to loans | 11.0961% | 209 |
| Net loans and leases to total assets | 63.1044% | 3,214 |
| Net loans and leases to deposits | 75.4720% | 3,055 |
| Net loans and leases to core deposits | 79.8670% | 3,240 |
| Total domestic deposits to total assets | 83.6130% | 4,480 |
| Equity capital to assets | 3.4396% | 7,166 |
| Core capital (leverage) ratio | 3.0656% | 7,176 |
| Tier 1 risk-based capital ratio | 4.9814% | 7,164 |
| Total risk-based capital ratio | 6.2707% | 7,165 |
| Memoranda: | ||
| Average total assets | $207,152,330 | 3,004 |
| Average earning assets | $198,216,670 | 2,896 |
| Average equity | $7,076,670 | 5,828 |
| Average total loans | $130,420,670 | 2,921 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 2,527 |
| Cost of funding earning assets | 1.3703% | 469 |
| Net interest margin | 3.4585% | 4,882 |
| Noninterest income to average assets | 0.3793% | 4,831 |
| Noninterest expense to average assets | 5.1352% | 337 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.4715% | 7,086 |
| Return on assets (ROA) | -1.4715% | 7,093 |
| Pretax return on assets | -1.4583% | 7,070 |
| Return on Equity (ROE) | -43.2162% | 7,209 |
| Retained earnings to average equity (ytd only) | -43.2162% | 7,196 |
| Net charge-offs to loans | 1.0130% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -2.3374% | 4,624 |
| Efficiency ratio | 139.6596% | 137 |
| Assets per employee ($millions) | 3.6856% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7070% | 217 |
| Loan loss allowance to noncurrent loans | 36.7677% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 8.6492% | 419 |
| Noncurrent loans to loans | 12.8021% | 170 |
| Net loans and leases to total assets | 57.6379% | 4,104 |
| Net loans and leases to deposits | 68.2236% | 4,022 |
| Net loans and leases to core deposits | 71.7841% | 4,185 |
| Total domestic deposits to total assets | 84.4838% | 4,280 |
| Equity capital to assets | 3.2283% | 7,224 |
| Core capital (leverage) ratio | 2.9792% | 7,237 |
| Tier 1 risk-based capital ratio | 5.0951% | 7,210 |
| Total risk-based capital ratio | 6.3872% | 7,212 |
| Memoranda: | ||
| Average total assets | $210,936,000 | 2,978 |
| Average earning assets | $201,129,500 | 2,883 |
| Average equity | $7,182,500 | 5,813 |
| Average total loans | $129,909,500 | 2,944 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0959% | 369 |
| Cost of funding earning assets | 1.5534% | 574 |
| Net interest margin | 4.5424% | 1,037 |
| Noninterest income to average assets | 1.0445% | 1,235 |
| Noninterest expense to average assets | 7.7916% | 110 |
| Loan and lease loss provision to assets | 0.2601% | 3,610 |
| Net operating income to assets | -3.1167% | 7,191 |
| Return on assets (ROA) | -3.0904% | 7,189 |
| Pretax return on assets | -2.9246% | 7,178 |
| Return on Equity (ROE) | -54.5632% | 7,219 |
| Retained earnings to average equity (ytd only) | -54.5632% | 7,218 |
| Net charge-offs to loans | 1.0271% | 1,697 |
| Credit loss provision to net charge-offs | 36.5347% | 5,686 |
| Earnings coverage of net charge-offs (x) | -3.7800% | 6,347 |
| Efficiency ratio | 152.7531% | 134 |
| Assets per employee ($millions) | 3.6516% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7532% | 210 |
| Loan loss allowance to noncurrent loans | 37.1329% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 9.0512% | 400 |
| Noncurrent loans to loans | 12.8004% | 185 |
| Net loans and leases to total assets | 59.7011% | 4,044 |
| Net loans and leases to deposits | 70.9443% | 3,956 |
| Net loans and leases to core deposits | 74.0764% | 4,231 |
| Total domestic deposits to total assets | 84.1521% | 4,259 |
| Equity capital to assets | 3.5803% | 7,245 |
| Core capital (leverage) ratio | 3.2765% | 7,254 |
| Tier 1 risk-based capital ratio | 5.5239% | 7,221 |
| Total risk-based capital ratio | 6.8227% | 7,220 |
| Memoranda: | ||
| Average total assets | $216,477,400 | 2,875 |
| Average earning assets | $193,311,800 | 2,933 |
| Average equity | $12,261,000 | 4,488 |
| Average total loans | $150,034,600 | 2,644 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3759% | 237 |
| Cost of funding earning assets | 1.5806% | 637 |
| Net interest margin | 4.7954% | 630 |
| Noninterest income to average assets | 1.0769% | 1,155 |
| Noninterest expense to average assets | 6.1076% | 189 |
| Loan and lease loss provision to assets | 0.3449% | 2,813 |
| Net operating income to assets | -1.1854% | 6,954 |
| Return on assets (ROA) | -1.1505% | 6,961 |
| Pretax return on assets | -1.1290% | 6,915 |
| Return on Equity (ROE) | -18.6437% | 7,076 |
| Retained earnings to average equity (ytd only) | -18.6437% | 7,059 |
| Net charge-offs to loans | 1.1480% | 1,374 |
| Credit loss provision to net charge-offs | 42.3627% | 5,192 |
| Earnings coverage of net charge-offs (x) | -1.0060% | 5,931 |
| Efficiency ratio | 115.4871% | 352 |
| Assets per employee ($millions) | 3.8508% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6435% | 237 |
| Loan loss allowance to noncurrent loans | 38.5097% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 8.5159% | 490 |
| Noncurrent loans to loans | 12.0580% | 234 |
| Net loans and leases to total assets | 62.1087% | 3,697 |
| Net loans and leases to deposits | 74.0366% | 3,646 |
| Net loans and leases to core deposits | 77.7130% | 3,951 |
| Total domestic deposits to total assets | 83.8891% | 4,284 |
| Equity capital to assets | 5.7771% | 7,207 |
| Core capital (leverage) ratio | 5.4771% | 7,185 |
| Tier 1 risk-based capital ratio | 8.8577% | 7,128 |
| Total risk-based capital ratio | 10.1535% | 7,123 |
| Memoranda: | ||
| Average total assets | $217,648,000 | 2,870 |
| Average earning assets | $191,151,750 | 2,962 |
| Average equity | $13,430,500 | 4,260 |
| Average total loans | $154,354,750 | 2,603 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2766% | 286 |
| Cost of funding earning assets | 1.5215% | 932 |
| Net interest margin | 4.7551% | 652 |
| Noninterest income to average assets | 1.2065% | 875 |
| Noninterest expense to average assets | 6.0875% | 190 |
| Loan and lease loss provision to assets | 0.0870% | 5,224 |
| Net operating income to assets | -0.6449% | 6,785 |
| Return on assets (ROA) | -0.6449% | 6,792 |
| Pretax return on assets | -0.6220% | 6,719 |
| Return on Equity (ROE) | -10.2365% | 6,948 |
| Retained earnings to average equity (ytd only) | -10.2365% | 6,890 |
| Net charge-offs to loans | 1.4051% | 1,080 |
| Credit loss provision to net charge-offs | 8.5049% | 5,263 |
| Earnings coverage of net charge-offs (x) | -0.5228% | 5,532 |
| Efficiency ratio | 109.6354% | 482 |
| Assets per employee ($millions) | 3.4558% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2413% | 349 |
| Loan loss allowance to noncurrent loans | 31.3692% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 10.0928% | 387 |
| Noncurrent loans to loans | 13.5205% | 181 |
| Net loans and leases to total assets | 66.0280% | 3,021 |
| Net loans and leases to deposits | 79.3183% | 2,920 |
| Net loans and leases to core deposits | 83.8547% | 3,235 |
| Total domestic deposits to total assets | 83.2443% | 4,654 |
| Equity capital to assets | 6.3282% | 7,207 |
| Core capital (leverage) ratio | 6.0114% | 7,190 |
| Tier 1 risk-based capital ratio | 9.1003% | 7,164 |
| Total risk-based capital ratio | 10.3893% | 7,160 |
| Memoranda: | ||
| Average total assets | $218,316,330 | 2,875 |
| Average earning assets | $199,535,000 | 2,875 |
| Average equity | $13,754,670 | 4,165 |
| Average total loans | $158,988,000 | 2,550 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9668% | 503 |
| Cost of funding earning assets | 1.4888% | 1,215 |
| Net interest margin | 4.4780% | 1,117 |
| Noninterest income to average assets | 1.1382% | 1,009 |
| Noninterest expense to average assets | 6.1413% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8078% | 6,965 |
| Return on assets (ROA) | -0.8078% | 6,974 |
| Pretax return on assets | -0.7879% | 6,914 |
| Return on Equity (ROE) | -12.8497% | 7,094 |
| Retained earnings to average equity (ytd only) | -12.8497% | 6,968 |
| Net charge-offs to loans | -0.3135% | 7,344 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7169% | 416 |
| Assets per employee ($millions) | 3.2551% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6379% | 254 |
| Loan loss allowance to noncurrent loans | 35.2938% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 10.1840% | 399 |
| Noncurrent loans to loans | 13.1409% | 223 |
| Net loans and leases to total assets | 68.8974% | 2,352 |
| Net loans and leases to deposits | 82.3606% | 2,299 |
| Net loans and leases to core deposits | 86.2174% | 2,835 |
| Total domestic deposits to total assets | 83.6533% | 4,640 |
| Equity capital to assets | 6.1582% | 7,268 |
| Core capital (leverage) ratio | 5.9105% | 7,267 |
| Tier 1 risk-based capital ratio | 8.7585% | 7,242 |
| Total risk-based capital ratio | 10.0536% | 7,244 |
| Memoranda: | ||
| Average total assets | $220,343,500 | 2,877 |
| Average earning assets | $207,414,500 | 2,813 |
| Average equity | $13,852,500 | 4,141 |
| Average total loans | $164,612,500 | 2,501 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1594% | 621 |
| Cost of funding earning assets | 1.7664% | 1,314 |
| Net interest margin | 4.3929% | 1,499 |
| Noninterest income to average assets | 1.7542% | 490 |
| Noninterest expense to average assets | 6.1791% | 211 |
| Loan and lease loss provision to assets | 2.4925% | 446 |
| Net operating income to assets | -3.2901% | 7,347 |
| Return on assets (ROA) | -3.2901% | 7,359 |
| Pretax return on assets | -2.7922% | 7,244 |
| Return on Equity (ROE) | -40.9776% | 7,361 |
| Retained earnings to average equity (ytd only) | -40.9776% | 7,354 |
| Net charge-offs to loans | 1.1677% | 1,907 |
| Credit loss provision to net charge-offs | 286.4027% | 946 |
| Earnings coverage of net charge-offs (x) | -0.3445% | 6,386 |
| Efficiency ratio | 105.0989% | 644 |
| Assets per employee ($millions) | 2.6749% | 6,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3047% | 308 |
| Loan loss allowance to noncurrent loans | 34.1326% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 10.0092% | 411 |
| Noncurrent loans to loans | 12.6116% | 250 |
| Net loans and leases to total assets | 73.8660% | 1,686 |
| Net loans and leases to deposits | 88.9026% | 1,662 |
| Net loans and leases to core deposits | 93.1952% | 2,358 |
| Total domestic deposits to total assets | 83.0865% | 4,762 |
| Equity capital to assets | 6.4166% | 7,273 |
| Core capital (leverage) ratio | 5.7310% | 7,341 |
| Tier 1 risk-based capital ratio | 8.8168% | 7,273 |
| Total risk-based capital ratio | 10.1092% | 7,277 |
| Memoranda: | ||
| Average total assets | $240,846,000 | 2,626 |
| Average earning assets | $226,160,200 | 2,560 |
| Average equity | $19,337,400 | 3,236 |
| Average total loans | $179,503,000 | 2,363 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1762% | 644 |
| Cost of funding earning assets | 1.8140% | 1,367 |
| Net interest margin | 4.3623% | 1,637 |
| Noninterest income to average assets | 1.8184% | 445 |
| Noninterest expense to average assets | 6.0469% | 219 |
| Loan and lease loss provision to assets | 2.1438% | 532 |
| Net operating income to assets | -1.3380% | 7,047 |
| Return on assets (ROA) | -1.3380% | 7,072 |
| Pretax return on assets | -2.2808% | 7,270 |
| Return on Equity (ROE) | -15.9519% | 7,134 |
| Retained earnings to average equity (ytd only) | -15.9519% | 7,107 |
| Net charge-offs to loans | 1.2802% | 1,592 |
| Credit loss provision to net charge-offs | 226.4874% | 1,520 |
| Earnings coverage of net charge-offs (x) | -0.1447% | 6,144 |
| Efficiency ratio | 102.3181% | 675 |
| Assets per employee ($millions) | 3.0741% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0809% | 770 |
| Loan loss allowance to noncurrent loans | 28.5758% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 8.3611% | 582 |
| Noncurrent loans to loans | 10.7815% | 361 |
| Net loans and leases to total assets | 71.5316% | 2,352 |
| Net loans and leases to deposits | 86.9269% | 2,163 |
| Net loans and leases to core deposits | 94.5144% | 2,455 |
| Total domestic deposits to total assets | 82.2893% | 4,877 |
| Equity capital to assets | 7.9536% | 6,836 |
| Core capital (leverage) ratio | 7.6846% | 6,693 |
| Tier 1 risk-based capital ratio | 10.9151% | 6,449 |
| Total risk-based capital ratio | 12.1891% | 6,415 |
| Memoranda: | ||
| Average total assets | $246,222,750 | 2,613 |
| Average earning assets | $230,944,750 | 2,555 |
| Average equity | $20,653,250 | 3,092 |
| Average total loans | $182,052,500 | 2,370 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2388% | 582 |
| Cost of funding earning assets | 1.8413% | 1,478 |
| Net interest margin | 4.3975% | 1,447 |
| Noninterest income to average assets | 2.0753% | 336 |
| Noninterest expense to average assets | 6.1886% | 210 |
| Loan and lease loss provision to assets | 2.7086% | 394 |
| Net operating income to assets | -1.5987% | 7,187 |
| Return on assets (ROA) | -1.5987% | 7,198 |
| Pretax return on assets | -2.6859% | 7,414 |
| Return on Equity (ROE) | -18.7366% | 7,249 |
| Retained earnings to average equity (ytd only) | -18.7366% | 7,223 |
| Net charge-offs to loans | 1.5145% | 1,262 |
| Credit loss provision to net charge-offs | 241.7391% | 1,589 |
| Earnings coverage of net charge-offs (x) | 0.0203% | 5,697 |
| Efficiency ratio | 99.6340% | 816 |
| Assets per employee ($millions) | 2.6877% | 6,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9032% | 910 |
| Loan loss allowance to noncurrent loans | 28.5066% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 7.8550% | 633 |
| Noncurrent loans to loans | 10.1842% | 431 |
| Net loans and leases to total assets | 71.4111% | 2,563 |
| Net loans and leases to deposits | 86.8700% | 2,365 |
| Net loans and leases to core deposits | 95.3428% | 2,529 |
| Total domestic deposits to total assets | 82.2045% | 4,907 |
| Equity capital to assets | 8.0426% | 6,707 |
| Core capital (leverage) ratio | 8.0392% | 6,220 |
| Tier 1 risk-based capital ratio | 10.9009% | 6,345 |
| Total risk-based capital ratio | 12.1722% | 6,306 |
| Memoranda: | ||
| Average total assets | $246,322,000 | 2,635 |
| Average earning assets | $231,679,330 | 2,570 |
| Average equity | $21,017,670 | 3,040 |
| Average total loans | $182,234,670 | 2,398 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2134% | 627 |
| Cost of funding earning assets | 1.8400% | 1,698 |
| Net interest margin | 4.3733% | 1,464 |
| Noninterest income to average assets | 2.4490% | 261 |
| Noninterest expense to average assets | 6.0138% | 220 |
| Loan and lease loss provision to assets | 3.0445% | 324 |
| Net operating income to assets | -1.4773% | 7,323 |
| Return on assets (ROA) | -1.4773% | 7,334 |
| Pretax return on assets | -2.4916% | 7,511 |
| Return on Equity (ROE) | -16.8196% | 7,367 |
| Retained earnings to average equity (ytd only) | -16.8196% | 7,276 |
| Net charge-offs to loans | 0.9370% | 1,718 |
| Credit loss provision to net charge-offs | 437.8824% | 951 |
| Earnings coverage of net charge-offs (x) | 0.7953% | 4,328 |
| Efficiency ratio | 91.5795% | 1,312 |
| Assets per employee ($millions) | 2.4672% | 7,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6687% | 1,108 |
| Loan loss allowance to noncurrent loans | 28.7419% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 7.5119% | 680 |
| Noncurrent loans to loans | 9.2851% | 497 |
| Net loans and leases to total assets | 73.4254% | 2,099 |
| Net loans and leases to deposits | 90.1724% | 1,878 |
| Net loans and leases to core deposits | 99.3436% | 2,198 |
| Total domestic deposits to total assets | 81.4278% | 5,300 |
| Equity capital to assets | 8.8001% | 5,555 |
| Core capital (leverage) ratio | 8.3890% | 5,582 |
| Tier 1 risk-based capital ratio | 11.5852% | 5,589 |
| Total risk-based capital ratio | 12.8495% | 5,551 |
| Memoranda: | ||
| Average total assets | $244,504,500 | 2,707 |
| Average earning assets | $230,213,500 | 2,641 |
| Average equity | $21,475,000 | 3,004 |
| Average total loans | $181,435,000 | 2,471 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4472% | 742 |
| Cost of funding earning assets | 2.2375% | 1,877 |
| Net interest margin | 4.2097% | 2,033 |
| Noninterest income to average assets | 2.3300% | 304 |
| Noninterest expense to average assets | 5.9760% | 313 |
| Loan and lease loss provision to assets | 1.0894% | 2,096 |
| Net operating income to assets | -0.4959% | 6,174 |
| Return on assets (ROA) | -0.4959% | 6,169 |
| Pretax return on assets | -0.7422% | 6,228 |
| Return on Equity (ROE) | -5.2029% | 6,228 |
| Retained earnings to average equity (ytd only) | -5.2029% | 6,048 |
| Net charge-offs to loans | 1.1659% | 2,097 |
| Credit loss provision to net charge-offs | 125.9475% | 4,145 |
| Earnings coverage of net charge-offs (x) | 0.4014% | 5,715 |
| Efficiency ratio | 94.5098% | 1,381 |
| Assets per employee ($millions) | 3.0084% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8543% | 2,392 |
| Loan loss allowance to noncurrent loans | 31.2333% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 4.8395% | 1,293 |
| Noncurrent loans to loans | 5.9369% | 1,056 |
| Net loans and leases to total assets | 71.6689% | 2,841 |
| Net loans and leases to deposits | 88.1498% | 2,534 |
| Net loans and leases to core deposits | 123.3249% | 1,687 |
| Total domestic deposits to total assets | 81.3035% | 5,233 |
| Equity capital to assets | 8.7667% | 5,488 |
| Core capital (leverage) ratio | 8.2680% | 5,682 |
| Tier 1 risk-based capital ratio | 11.9714% | 4,967 |
| Total risk-based capital ratio | 13.2304% | 4,914 |
| Memoranda: | ||
| Average total assets | $237,935,400 | 2,735 |
| Average earning assets | $225,695,600 | 2,643 |
| Average equity | $22,679,600 | 2,867 |
| Average total loans | $176,516,000 | 2,556 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5161% | 723 |
| Cost of funding earning assets | 2.2850% | 2,044 |
| Net interest margin | 4.2311% | 1,939 |
| Noninterest income to average assets | 2.4062% | 280 |
| Noninterest expense to average assets | 5.4961% | 376 |
| Loan and lease loss provision to assets | 1.2562% | 1,534 |
| Net operating income to assets | -0.1725% | 6,014 |
| Return on assets (ROA) | -0.1725% | 6,027 |
| Pretax return on assets | -0.3285% | 6,128 |
| Return on Equity (ROE) | -1.7717% | 6,063 |
| Retained earnings to average equity (ytd only) | -1.7717% | 5,675 |
| Net charge-offs to loans | 0.2483% | 4,498 |
| Credit loss provision to net charge-offs | 679.1411% | 552 |
| Earnings coverage of net charge-offs (x) | 5.0153% | 2,949 |
| Efficiency ratio | 85.5591% | 2,115 |
| Assets per employee ($millions) | 2.9625% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5244% | 1,034 |
| Loan loss allowance to noncurrent loans | 29.3069% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 7.1369% | 661 |
| Noncurrent loans to loans | 8.6138% | 533 |
| Net loans and leases to total assets | 75.2793% | 2,165 |
| Net loans and leases to deposits | 93.8608% | 1,908 |
| Net loans and leases to core deposits | 125.7175% | 1,761 |
| Total domestic deposits to total assets | 80.2031% | 5,363 |
| Equity capital to assets | 9.3763% | 4,918 |
| Core capital (leverage) ratio | 9.2024% | 4,333 |
| Tier 1 risk-based capital ratio | 11.9135% | 5,050 |
| Total risk-based capital ratio | 13.1762% | 4,978 |
| Memoranda: | ||
| Average total assets | $234,995,750 | 2,784 |
| Average earning assets | $223,133,500 | 2,697 |
| Average equity | $22,877,000 | 2,869 |
| Average total loans | $175,061,500 | 2,604 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4711% | 871 |
| Cost of funding earning assets | 2.3331% | 2,226 |
| Net interest margin | 4.1380% | 2,204 |
| Noninterest income to average assets | 2.4781% | 269 |
| Noninterest expense to average assets | 5.4865% | 383 |
| Loan and lease loss provision to assets | 1.0992% | 1,560 |
| Net operating income to assets | -0.0775% | 5,968 |
| Return on assets (ROA) | -0.0775% | 6,030 |
| Pretax return on assets | -0.1765% | 6,097 |
| Return on Equity (ROE) | -0.7857% | 6,046 |
| Retained earnings to average equity (ytd only) | -0.7857% | 5,423 |
| Net charge-offs to loans | 0.1533% | 4,661 |
| Credit loss provision to net charge-offs | 974.8092% | 505 |
| Earnings coverage of net charge-offs (x) | 8.1832% | 2,300 |
| Efficiency ratio | 85.6030% | 2,269 |
| Assets per employee ($millions) | 2.7369% | 6,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2274% | 1,196 |
| Loan loss allowance to noncurrent loans | 26.6378% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 6.7583% | 654 |
| Noncurrent loans to loans | 8.3619% | 505 |
| Net loans and leases to total assets | 72.7741% | 3,009 |
| Net loans and leases to deposits | 91.0977% | 2,629 |
| Net loans and leases to core deposits | 118.7303% | 2,480 |
| Total domestic deposits to total assets | 79.8857% | 5,512 |
| Equity capital to assets | 9.4817% | 4,634 |
| Core capital (leverage) ratio | 9.5844% | 3,774 |
| Tier 1 risk-based capital ratio | 11.3684% | 5,537 |
| Total risk-based capital ratio | 12.6199% | 5,434 |
| Memoranda: | ||
| Average total assets | $232,353,670 | 2,833 |
| Average earning assets | $220,736,000 | 2,736 |
| Average equity | $22,910,330 | 2,870 |
| Average total loans | $170,880,000 | 2,675 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4021% | 1,062 |
| Cost of funding earning assets | 2.3777% | 2,385 |
| Net interest margin | 4.0244% | 2,558 |
| Noninterest income to average assets | 2.7163% | 226 |
| Noninterest expense to average assets | 5.5798% | 350 |
| Loan and lease loss provision to assets | 0.7979% | 1,615 |
| Net operating income to assets | 0.1245% | 5,902 |
| Return on assets (ROA) | 0.1245% | 6,069 |
| Pretax return on assets | 0.1613% | 6,025 |
| Return on Equity (ROE) | 1.2376% | 6,058 |
| Retained earnings to average equity (ytd only) | 1.2376% | 5,143 |
| Net charge-offs to loans | 0.1608% | 3,677 |
| Credit loss provision to net charge-offs | 679.1045% | 862 |
| Earnings coverage of net charge-offs (x) | 8.1642% | 2,234 |
| Efficiency ratio | 85.3312% | 2,154 |
| Assets per employee ($millions) | 2.9074% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9290% | 1,560 |
| Loan loss allowance to noncurrent loans | 30.9244% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 5.1188% | 874 |
| Noncurrent loans to loans | 6.2377% | 740 |
| Net loans and leases to total assets | 70.7118% | 3,533 |
| Net loans and leases to deposits | 90.7546% | 2,820 |
| Net loans and leases to core deposits | 113.3963% | 3,064 |
| Total domestic deposits to total assets | 77.9154% | 6,048 |
| Equity capital to assets | 9.9152% | 4,098 |
| Core capital (leverage) ratio | 9.7433% | 3,693 |
| Tier 1 risk-based capital ratio | 12.1352% | 4,835 |
| Total risk-based capital ratio | 13.3916% | 4,728 |
| Memoranda: | ||
| Average total assets | $228,108,500 | 2,891 |
| Average earning assets | $216,678,000 | 2,798 |
| Average equity | $22,947,500 | 2,884 |
| Average total loans | $166,687,500 | 2,745 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0705% | 178 |
| Cost of funding earning assets | 2.7353% | 2,995 |
| Net interest margin | 5.3352% | 268 |
| Noninterest income to average assets | 2.6151% | 241 |
| Noninterest expense to average assets | 6.4941% | 334 |
| Loan and lease loss provision to assets | 0.3506% | 3,590 |
| Net operating income to assets | 0.5110% | 4,681 |
| Return on assets (ROA) | 0.5110% | 4,532 |
| Pretax return on assets | 0.7894% | 4,111 |
| Return on Equity (ROE) | 4.6525% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.6525% | 2,231 |
| Net charge-offs to loans | 0.3998% | 2,818 |
| Credit loss provision to net charge-offs | 118.7184% | 4,541 |
| Earnings coverage of net charge-offs (x) | 3.8600% | 4,204 |
| Efficiency ratio | 85.0675% | 1,942 |
| Assets per employee ($millions) | 2.6943% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 1,851 |
| Loan loss allowance to noncurrent loans | 33.6485% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 4.4405% | 858 |
| Noncurrent loans to loans | 5.1071% | 848 |
| Net loans and leases to total assets | 72.8107% | 3,409 |
| Net loans and leases to deposits | 92.7930% | 2,997 |
| Net loans and leases to core deposits | 114.1448% | 3,327 |
| Total domestic deposits to total assets | 78.4657% | 5,559 |
| Equity capital to assets | 10.2104% | 3,792 |
| Core capital (leverage) ratio | 9.8310% | 3,610 |
| Tier 1 risk-based capital ratio | 12.3043% | 4,581 |
| Total risk-based capital ratio | 13.5632% | 4,459 |
| Memoranda: | ||
| Average total assets | $200,797,800 | 3,128 |
| Average earning assets | $188,897,600 | 3,059 |
| Average equity | $22,052,800 | 2,968 |
| Average total loans | $148,310,800 | 2,960 |