Home > One American Bank > Performance and Condition Ratios
One American 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 | 5.0744% | 1,908 |
| Cost of funding earning assets | 3.0745% | 128 |
| Net interest margin | 1.9999% | 4,411 |
| Noninterest income to average assets | 2.1400% | 252 |
| Noninterest expense to average assets | 4.2475% | 316 |
| Loan and lease loss provision to assets | 0.9200% | 77 |
| Net operating income to assets | -0.9003% | 4,531 |
| Return on assets (ROA) | -0.8964% | 4,520 |
| Pretax return on assets | -1.2200% | 4,530 |
| Return on Equity (ROE) | -10.3600% | 4,505 |
| Retained earnings to average equity (ytd only) | -10.3552% | 4,468 |
| Net charge-offs to loans | 0.8452% | 120 |
| Credit loss provision to net charge-offs | 140.5728% | 1,523 |
| Earnings coverage of net charge-offs (x) | -0.4579% | 4,525 |
| Efficiency ratio | 107.3595% | 125 |
| Assets per employee ($millions) | 8.6863% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,267 |
| Loan loss allowance to noncurrent loans | 281.2544% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 1,676 |
| Noncurrent loans to loans | 0.4288% | 1,710 |
| Net loans and leases to total assets | 73.2000% | 1,450 |
| Net loans and leases to deposits | 106.9542% | 260 |
| Net loans and leases to core deposits | 126.5423% | 471 |
| Total domestic deposits to total assets | 68.4400% | 4,332 |
| Equity capital to assets | 10.0109% | 2,000 |
| Core capital (leverage) ratio | 8.3050% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8110% | 1,315 |
| Memoranda: | ||
| Average total assets | $446,220,200 | 1,870 |
| Average earning assets | $403,026,200 | 1,896 |
| Average equity | $38,627,800 | 1,926 |
| Average total loans | $347,009,800 | 1,619 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9325% | 1,992 |
| Cost of funding earning assets | 2.8255% | 150 |
| Net interest margin | 2.1070% | 4,405 |
| Noninterest income to average assets | 2.5000% | 232 |
| Noninterest expense to average assets | 4.5023% | 278 |
| Loan and lease loss provision to assets | 0.8700% | 79 |
| Net operating income to assets | -0.7291% | 4,551 |
| Return on assets (ROA) | -0.7262% | 4,543 |
| Pretax return on assets | -0.9648% | 4,551 |
| Return on Equity (ROE) | -8.7400% | 4,533 |
| Retained earnings to average equity (ytd only) | -8.7360% | 4,492 |
| Net charge-offs to loans | 0.7057% | 132 |
| Credit loss provision to net charge-offs | 156.1792% | 1,294 |
| Earnings coverage of net charge-offs (x) | -0.1819% | 4,564 |
| Efficiency ratio | 101.9748% | 152 |
| Assets per employee ($millions) | 9.0364% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 2,739 |
| Loan loss allowance to noncurrent loans | 309.4745% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 1,952 |
| Noncurrent loans to loans | 0.3640% | 1,927 |
| Net loans and leases to total assets | 71.2400% | 1,663 |
| Net loans and leases to deposits | 107.6386% | 253 |
| Net loans and leases to core deposits | 124.1877% | 453 |
| Total domestic deposits to total assets | 66.1800% | 4,404 |
| Equity capital to assets | 7.6767% | 3,259 |
| Core capital (leverage) ratio | 6.5928% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7077% | 2,385 |
| Memoranda: | ||
| Average total assets | $444,853,000 | 1,873 |
| Average earning assets | $402,325,000 | 1,902 |
| Average equity | $36,980,250 | 1,965 |
| Average total loans | $350,090,750 | 1,613 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9184% | 1,720 |
| Cost of funding earning assets | 2.5528% | 173 |
| Net interest margin | 2.3655% | 4,330 |
| Noninterest income to average assets | 3.2800% | 169 |
| Noninterest expense to average assets | 4.8933% | 227 |
| Loan and lease loss provision to assets | 0.4100% | 202 |
| Net operating income to assets | 0.0690% | 4,382 |
| Return on assets (ROA) | 0.0715% | 4,415 |
| Pretax return on assets | 0.1057% | 4,389 |
| Return on Equity (ROE) | 0.8400% | 4,381 |
| Retained earnings to average equity (ytd only) | 0.8367% | 3,940 |
| Net charge-offs to loans | 0.6209% | 135 |
| Credit loss provision to net charge-offs | 81.0440% | 1,550 |
| Earnings coverage of net charge-offs (x) | 1.0137% | 2,386 |
| Efficiency ratio | 90.1477% | 349 |
| Assets per employee ($millions) | 7.8560% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 4,080 |
| Loan loss allowance to noncurrent loans | 142.6486% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 1,221 |
| Noncurrent loans to loans | 0.5358% | 1,388 |
| Net loans and leases to total assets | 80.7700% | 546 |
| Net loans and leases to deposits | 129.8009% | 54 |
| Net loans and leases to core deposits | 170.3260% | 78 |
| Total domestic deposits to total assets | 62.2300% | 4,468 |
| Equity capital to assets | 9.3257% | 2,292 |
| Core capital (leverage) ratio | 8.0253% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9237% | 1,932 |
| Memoranda: | ||
| Average total assets | $433,493,667 | 1,908 |
| Average earning assets | $389,764,667 | 1,947 |
| Average equity | $37,051,667 | 1,980 |
| Average total loans | $351,764,667 | 1,594 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 1,256 |
| Cost of funding earning assets | 2.3417% | 133 |
| Net interest margin | 2.6420% | 4,162 |
| Noninterest income to average assets | 4.3000% | 141 |
| Noninterest expense to average assets | 5.3646% | 210 |
| Loan and lease loss provision to assets | 0.7100% | 97 |
| Net operating income to assets | 0.4235% | 4,052 |
| Return on assets (ROA) | 0.4264% | 3,992 |
| Pretax return on assets | 0.5843% | 3,868 |
| Return on Equity (ROE) | 5.2200% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.2184% | 2,971 |
| Net charge-offs to loans | 0.5893% | 140 |
| Credit loss provision to net charge-offs | 148.1836% | 953 |
| Earnings coverage of net charge-offs (x) | 2.6979% | 1,919 |
| Efficiency ratio | 80.2525% | 807 |
| Assets per employee ($millions) | 7.2389% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 3,881 |
| Loan loss allowance to noncurrent loans | 190.4118% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 1,376 |
| Noncurrent loans to loans | 0.4674% | 1,549 |
| Net loans and leases to total assets | 79.4300% | 599 |
| Net loans and leases to deposits | 100.9728% | 398 |
| Net loans and leases to core deposits | 149.0957% | 126 |
| Total domestic deposits to total assets | 78.6700% | 3,926 |
| Equity capital to assets | 8.3157% | 3,029 |
| Core capital (leverage) ratio | 7.4584% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3180% | 2,260 |
| Memoranda: | ||
| Average total assets | $438,128,000 | 1,914 |
| Average earning assets | $390,309,500 | 1,972 |
| Average equity | $35,796,500 | 2,050 |
| Average total loans | $355,000,000 | 1,597 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 423 |
| Cost of funding earning assets | 1.1955% | 70 |
| Net interest margin | 3.6129% | 1,611 |
| Noninterest income to average assets | 4.5000% | 137 |
| Noninterest expense to average assets | 5.9470% | 166 |
| Loan and lease loss provision to assets | 0.5300% | 108 |
| Net operating income to assets | 0.9957% | 2,579 |
| Return on assets (ROA) | 0.9950% | 2,536 |
| Pretax return on assets | 1.3449% | 1,943 |
| Return on Equity (ROE) | 9.1700% | 3,076 |
| Retained earnings to average equity (ytd only) | 9.1688% | 1,432 |
| Net charge-offs to loans | 0.3416% | 221 |
| Credit loss provision to net charge-offs | 180.4669% | 1,182 |
| Earnings coverage of net charge-offs (x) | 6.3455% | 2,338 |
| Efficiency ratio | 75.6438% | 1,054 |
| Assets per employee ($millions) | 5.5894% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 4,276 |
| Loan loss allowance to noncurrent loans | 202.5932% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 1,807 |
| Noncurrent loans to loans | 0.3238% | 1,990 |
| Net loans and leases to total assets | 82.5900% | 361 |
| Net loans and leases to deposits | 105.5438% | 254 |
| Net loans and leases to core deposits | 141.8010% | 134 |
| Total domestic deposits to total assets | 78.2600% | 4,067 |
| Equity capital to assets | 10.5701% | 1,424 |
| Core capital (leverage) ratio | 9.7836% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0539% | 1,120 |
| Memoranda: | ||
| Average total assets | $433,561,000 | 1,912 |
| Average earning assets | $398,988,600 | 1,922 |
| Average equity | $47,050,800 | 1,701 |
| Average total loans | $376,198,000 | 1,473 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 457 |
| Cost of funding earning assets | 0.9092% | 102 |
| Net interest margin | 3.6513% | 1,264 |
| Noninterest income to average assets | 4.7100% | 137 |
| Noninterest expense to average assets | 6.2443% | 159 |
| Loan and lease loss provision to assets | 0.4900% | 106 |
| Net operating income to assets | 1.0035% | 2,472 |
| Return on assets (ROA) | 1.0018% | 2,442 |
| Pretax return on assets | 1.3590% | 1,851 |
| Return on Equity (ROE) | 9.1700% | 2,981 |
| Retained earnings to average equity (ytd only) | 9.1671% | 1,592 |
| Net charge-offs to loans | 0.2866% | 228 |
| Credit loss provision to net charge-offs | 195.2854% | 990 |
| Earnings coverage of net charge-offs (x) | 7.3660% | 2,075 |
| Efficiency ratio | 76.7995% | 1,014 |
| Assets per employee ($millions) | 6.5765% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4609% | 4,509 |
| Loan loss allowance to noncurrent loans | 293.5611% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 2,642 |
| Noncurrent loans to loans | 0.1570% | 2,824 |
| Net loans and leases to total assets | 87.3400% | 79 |
| Net loans and leases to deposits | 112.9967% | 94 |
| Net loans and leases to core deposits | 136.4114% | 118 |
| Total domestic deposits to total assets | 77.3000% | 4,305 |
| Equity capital to assets | 8.7349% | 2,386 |
| Core capital (leverage) ratio | 9.0472% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4004% | 2,688 |
| Memoranda: | ||
| Average total assets | $427,369,000 | 1,943 |
| Average earning assets | $396,670,250 | 1,940 |
| Average equity | $46,702,000 | 1,729 |
| Average total loans | $374,984,500 | 1,464 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 384 |
| Cost of funding earning assets | 0.6711% | 182 |
| Net interest margin | 3.8101% | 736 |
| Noninterest income to average assets | 5.1281% | 97 |
| Noninterest expense to average assets | 6.8512% | 106 |
| Loan and lease loss provision to assets | 0.4776% | 111 |
| Net operating income to assets | 0.9699% | 2,263 |
| Return on assets (ROA) | 0.9666% | 2,259 |
| Pretax return on assets | 1.3016% | 1,745 |
| Return on Equity (ROE) | 8.0719% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.0719% | 1,593 |
| Net charge-offs to loans | 0.2618% | 254 |
| Credit loss provision to net charge-offs | 207.9007% | 952 |
| Earnings coverage of net charge-offs (x) | 7.7630% | 1,845 |
| Efficiency ratio | 79.0103% | 1,019 |
| Assets per employee ($millions) | 4.2372% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5230% | 4,528 |
| Loan loss allowance to noncurrent loans | 522.5806% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 3,153 |
| Noncurrent loans to loans | 0.1001% | 3,256 |
| Net loans and leases to total assets | 82.3186% | 271 |
| Net loans and leases to deposits | 106.4514% | 131 |
| Net loans and leases to core deposits | 123.0850% | 166 |
| Total domestic deposits to total assets | 77.3298% | 4,394 |
| Equity capital to assets | 10.4550% | 1,455 |
| Core capital (leverage) ratio | 10.8707% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8345% | 1,215 |
| Memoranda: | ||
| Average total assets | $385,682,333 | 2,108 |
| Average earning assets | $354,951,333 | 2,123 |
| Average equity | $46,184,667 | 1,792 |
| Average total loans | $338,399,667 | 1,571 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0794% | 137 |
| Cost of funding earning assets | 0.4609% | 615 |
| Net interest margin | 4.6185% | 151 |
| Noninterest income to average assets | 4.8935% | 105 |
| Noninterest expense to average assets | 7.1066% | 102 |
| Loan and lease loss provision to assets | 0.8030% | 51 |
| Net operating income to assets | 0.8453% | 2,501 |
| Return on assets (ROA) | 0.8426% | 2,506 |
| Pretax return on assets | 1.1374% | 2,028 |
| Return on Equity (ROE) | 6.0136% | 3,343 |
| Retained earnings to average equity (ytd only) | 6.0136% | 2,251 |
| Net charge-offs to loans | 0.2954% | 214 |
| Credit loss provision to net charge-offs | 302.1930% | 660 |
| Earnings coverage of net charge-offs (x) | 7.3158% | 1,543 |
| Efficiency ratio | 78.1612% | 1,301 |
| Assets per employee ($millions) | 3.7612% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5952% | 4,511 |
| Loan loss allowance to noncurrent loans | 716.3569% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 2,736 |
| Noncurrent loans to loans | 0.0831% | 3,425 |
| Net loans and leases to total assets | 90.0627% | 12 |
| Net loans and leases to deposits | 107.9582% | 80 |
| Net loans and leases to core deposits | 127.5177% | 104 |
| Total domestic deposits to total assets | 83.4237% | 3,876 |
| Equity capital to assets | 13.5495% | 595 |
| Core capital (leverage) ratio | 11.7007% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3883% | 1,172 |
| Memoranda: | ||
| Average total assets | $343,230,500 | 2,286 |
| Average earning assets | $308,932,500 | 2,339 |
| Average equity | $48,091,000 | 1,790 |
| Average total loans | $308,749,000 | 1,667 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 655 |
| Cost of funding earning assets | 1.0337% | 66 |
| Net interest margin | 3.4121% | 1,988 |
| Noninterest income to average assets | 2.7077% | 207 |
| Noninterest expense to average assets | 9.4187% | 80 |
| Loan and lease loss provision to assets | 0.1187% | 1,055 |
| Net operating income to assets | -2.7956% | 4,823 |
| Return on assets (ROA) | -2.7928% | 4,823 |
| Pretax return on assets | -3.7364% | 4,826 |
| Return on Equity (ROE) | -21.6270% | 4,827 |
| Retained earnings to average equity (ytd only) | -21.6270% | 4,813 |
| Net charge-offs to loans | 0.2576% | 350 |
| Credit loss provision to net charge-offs | 51.3818% | 2,127 |
| Earnings coverage of net charge-offs (x) | -15.6807% | 2,684 |
| Efficiency ratio | 162.1585% | 26 |
| Assets per employee ($millions) | 3.9657% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4990% | 4,627 |
| Loan loss allowance to noncurrent loans | 150.6680% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 1,713 |
| Noncurrent loans to loans | 0.3312% | 2,400 |
| Net loans and leases to total assets | 88.8048% | 23 |
| Net loans and leases to deposits | 133.3686% | 20 |
| Net loans and leases to core deposits | 161.3081% | 42 |
| Total domestic deposits to total assets | 66.5860% | 4,724 |
| Equity capital to assets | 14.5126% | 575 |
| Core capital (leverage) ratio | 9.7402% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5089% | 1,684 |
| Memoranda: | ||
| Average total assets | $423,054,200 | 1,918 |
| Average earning assets | $383,074,400 | 1,959 |
| Average equity | $54,630,800 | 1,641 |
| Average total loans | $379,206,200 | 1,430 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 1,366 |
| Cost of funding earning assets | 0.9751% | 94 |
| Net interest margin | 3.0982% | 3,062 |
| Noninterest income to average assets | 4.2060% | 131 |
| Noninterest expense to average assets | 10.0419% | 70 |
| Loan and lease loss provision to assets | 0.0840% | 1,419 |
| Net operating income to assets | -2.3114% | 4,890 |
| Return on assets (ROA) | -2.3090% | 4,890 |
| Pretax return on assets | -3.1047% | 4,894 |
| Return on Equity (ROE) | -18.2982% | 4,898 |
| Retained earnings to average equity (ytd only) | -18.2982% | 4,878 |
| Net charge-offs to loans | 0.2719% | 302 |
| Credit loss provision to net charge-offs | 34.3941% | 1,938 |
| Earnings coverage of net charge-offs (x) | -12.3953% | 2,440 |
| Efficiency ratio | 142.8863% | 41 |
| Assets per employee ($millions) | 6.9904% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3390% | 4,796 |
| Loan loss allowance to noncurrent loans | 793.7853% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 3,431 |
| Noncurrent loans to loans | 0.0427% | 3,902 |
| Net loans and leases to total assets | 92.3359% | 9 |
| Net loans and leases to deposits | 183.6685% | 8 |
| Net loans and leases to core deposits | 223.9766% | 28 |
| Total domestic deposits to total assets | 50.2731% | 4,864 |
| Equity capital to assets | 11.5898% | 1,615 |
| Core capital (leverage) ratio | 11.3621% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3022% | 1,539 |
| Memoranda: | ||
| Average total assets | $446,530,500 | 1,870 |
| Average earning assets | $405,302,000 | 1,899 |
| Average equity | $56,346,500 | 1,613 |
| Average total loans | $400,566,250 | 1,404 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 2,134 |
| Cost of funding earning assets | 1.0676% | 78 |
| Net interest margin | 2.7072% | 3,965 |
| Noninterest income to average assets | 5.3746% | 106 |
| Noninterest expense to average assets | 11.5161% | 59 |
| Loan and lease loss provision to assets | 0.0323% | 2,338 |
| Net operating income to assets | -2.7766% | 4,928 |
| Return on assets (ROA) | -2.7738% | 4,928 |
| Pretax return on assets | -3.7311% | 4,934 |
| Return on Equity (ROE) | -21.3986% | 4,933 |
| Retained earnings to average equity (ytd only) | -21.3986% | 4,913 |
| Net charge-offs to loans | 0.2743% | 323 |
| Credit loss provision to net charge-offs | 13.2597% | 1,761 |
| Earnings coverage of net charge-offs (x) | -15.2136% | 2,232 |
| Efficiency ratio | 147.2754% | 38 |
| Assets per employee ($millions) | 6.9023% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4367% | 4,777 |
| Loan loss allowance to noncurrent loans | 880.2395% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 3,436 |
| Noncurrent loans to loans | 0.0496% | 3,930 |
| Net loans and leases to total assets | 91.6058% | 12 |
| Net loans and leases to deposits | 189.0251% | 9 |
| Net loans and leases to core deposits | 213.6150% | 28 |
| Total domestic deposits to total assets | 48.4622% | 4,900 |
| Equity capital to assets | 14.5969% | 599 |
| Core capital (leverage) ratio | 14.2426% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2477% | 529 |
| Memoranda: | ||
| Average total assets | $446,245,333 | 1,859 |
| Average earning assets | $402,042,000 | 1,903 |
| Average equity | $57,845,000 | 1,575 |
| Average total loans | $395,920,667 | 1,426 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 1,897 |
| Cost of funding earning assets | 1.1673% | 64 |
| Net interest margin | 2.7065% | 3,955 |
| Noninterest income to average assets | 11.5924% | 65 |
| Noninterest expense to average assets | 12.9409% | 51 |
| Loan and lease loss provision to assets | 0.0123% | 2,620 |
| Net operating income to assets | 0.7815% | 3,478 |
| Return on assets (ROA) | 0.7861% | 3,532 |
| Pretax return on assets | 1.0624% | 3,209 |
| Return on Equity (ROE) | 6.3661% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.3661% | 2,772 |
| Net charge-offs to loans | 0.2857% | 298 |
| Credit loss provision to net charge-offs | 4.9342% | 1,464 |
| Earnings coverage of net charge-offs (x) | 4.2763% | 1,736 |
| Efficiency ratio | 92.3172% | 319 |
| Assets per employee ($millions) | 1.9239% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3846% | 4,837 |
| Loan loss allowance to noncurrent loans | 342.7386% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 3,661 |
| Noncurrent loans to loans | 0.1122% | 3,746 |
| Net loans and leases to total assets | 92.6611% | 5 |
| Net loans and leases to deposits | 251.4100% | 7 |
| Net loans and leases to core deposits | 278.2166% | 21 |
| Total domestic deposits to total assets | 36.8566% | 4,942 |
| Equity capital to assets | 13.1117% | 883 |
| Core capital (leverage) ratio | 11.7691% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3757% | 636 |
| Memoranda: | ||
| Average total assets | $486,456,500 | 1,737 |
| Average earning assets | $434,513,000 | 1,793 |
| Average equity | $60,068,000 | 1,518 |
| Average total loans | $425,588,500 | 1,346 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1941% | 339 |
| Cost of funding earning assets | 1.7609% | 25 |
| Net interest margin | 3.4332% | 2,661 |
| Noninterest income to average assets | 49.0095% | 22 |
| Noninterest expense to average assets | 27.3148% | 29 |
| Loan and lease loss provision to assets | 0.4266% | 684 |
| Net operating income to assets | 17.7323% | 11 |
| Return on assets (ROA) | 17.7314% | 11 |
| Pretax return on assets | 23.8903% | 11 |
| Return on Equity (ROE) | 141.2230% | 2 |
| Retained earnings to average equity (ytd only) | 141.2230% | 1 |
| Net charge-offs to loans | 0.9634% | 139 |
| Credit loss provision to net charge-offs | 59.5556% | 3,092 |
| Earnings coverage of net charge-offs (x) | 33.9478% | 1,505 |
| Efficiency ratio | 52.8726% | 4,320 |
| Assets per employee ($millions) | 2.0950% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4603% | 4,817 |
| Loan loss allowance to noncurrent loans | 361.4525% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 3,771 |
| Noncurrent loans to loans | 0.1273% | 3,772 |
| Net loans and leases to total assets | 82.1114% | 287 |
| Net loans and leases to deposits | 260.8796% | 7 |
| Net loans and leases to core deposits | 288.5088% | 24 |
| Total domestic deposits to total assets | 31.4748% | 4,969 |
| Equity capital to assets | 11.6583% | 1,760 |
| Core capital (leverage) ratio | 11.7726% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6936% | 811 |
| Memoranda: | ||
| Average total assets | $251,277,600 | 2,572 |
| Average earning assets | $192,005,200 | 2,895 |
| Average equity | $31,549,400 | 2,405 |
| Average total loans | $186,836,600 | 2,359 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5069% | 61 |
| Cost of funding earning assets | 0.9174% | 1,009 |
| Net interest margin | 5.5895% | 68 |
| Noninterest income to average assets | 62.6644% | 17 |
| Noninterest expense to average assets | 34.8630% | 23 |
| Loan and lease loss provision to assets | 0.5706% | 464 |
| Net operating income to assets | 21.3131% | 10 |
| Return on assets (ROA) | 21.3097% | 10 |
| Pretax return on assets | 31.1336% | 9 |
| Return on Equity (ROE) | 161.7913% | 2 |
| Retained earnings to average equity (ytd only) | 161.7913% | 1 |
| Net charge-offs to loans | 1.5765% | 69 |
| Credit loss provision to net charge-offs | 52.6073% | 2,878 |
| Earnings coverage of net charge-offs (x) | 29.2449% | 1,611 |
| Efficiency ratio | 52.3393% | 4,307 |
| Assets per employee ($millions) | 1.3214% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 3,881 |
| Loan loss allowance to noncurrent loans | 777.2908% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 4,018 |
| Noncurrent loans to loans | 0.1225% | 3,896 |
| Net loans and leases to total assets | 67.3596% | 2,341 |
| Net loans and leases to deposits | 120.4305% | 110 |
| Net loans and leases to core deposits | 132.5334% | 213 |
| Total domestic deposits to total assets | 55.9323% | 4,954 |
| Equity capital to assets | 14.8741% | 667 |
| Core capital (leverage) ratio | 18.1601% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3578% | 631 |
| Memoranda: | ||
| Average total assets | $186,302,000 | 3,044 |
| Average earning assets | $130,217,750 | 3,496 |
| Average equity | $24,538,000 | 2,824 |
| Average total loans | $128,126,250 | 2,890 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9767% | 33 |
| Cost of funding earning assets | 1.1734% | 556 |
| Net interest margin | 6.8033% | 38 |
| Noninterest income to average assets | 40.3330% | 23 |
| Noninterest expense to average assets | 30.0109% | 25 |
| Loan and lease loss provision to assets | 0.5920% | 540 |
| Net operating income to assets | 10.3596% | 17 |
| Return on assets (ROA) | 10.3532% | 17 |
| Pretax return on assets | 14.5648% | 14 |
| Return on Equity (ROE) | 86.1675% | 6 |
| Retained earnings to average equity (ytd only) | 86.1675% | 3 |
| Net charge-offs to loans | 2.2509% | 55 |
| Credit loss provision to net charge-offs | 37.9549% | 2,678 |
| Earnings coverage of net charge-offs (x) | 9.7227% | 2,200 |
| Efficiency ratio | 66.3745% | 2,461 |
| Assets per employee ($millions) | 0.9647% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 781 |
| Loan loss allowance to noncurrent loans | 564.4509% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 3,511 |
| Noncurrent loans to loans | 0.3051% | 3,293 |
| Net loans and leases to total assets | 66.0283% | 2,622 |
| Net loans and leases to deposits | 87.6048% | 1,599 |
| Net loans and leases to core deposits | 98.9130% | 1,337 |
| Total domestic deposits to total assets | 75.3707% | 4,487 |
| Equity capital to assets | 13.4454% | 996 |
| Core capital (leverage) ratio | 10.0955% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0873% | 1,773 |
| Memoranda: | ||
| Average total assets | $147,973,000 | 3,391 |
| Average earning assets | $105,331,333 | 3,817 |
| Average equity | $17,779,333 | 3,388 |
| Average total loans | $102,535,667 | 3,197 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2107% | 39 |
| Cost of funding earning assets | 1.2979% | 567 |
| Net interest margin | 6.9129% | 39 |
| Noninterest income to average assets | 18.8182% | 37 |
| Noninterest expense to average assets | 20.6357% | 39 |
| Loan and lease loss provision to assets | 1.0266% | 208 |
| Net operating income to assets | 1.6731% | 540 |
| Return on assets (ROA) | 1.6547% | 613 |
| Pretax return on assets | 2.2130% | 286 |
| Return on Equity (ROE) | 14.8569% | 566 |
| Retained earnings to average equity (ytd only) | 14.8569% | 203 |
| Net charge-offs to loans | 2.7397% | 48 |
| Credit loss provision to net charge-offs | 53.0827% | 2,042 |
| Earnings coverage of net charge-offs (x) | 1.6872% | 2,355 |
| Efficiency ratio | 86.2375% | 686 |
| Assets per employee ($millions) | 0.9194% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4539% | 262 |
| Loan loss allowance to noncurrent loans | 487.9917% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 3,198 |
| Noncurrent loans to loans | 0.5029% | 2,759 |
| Net loans and leases to total assets | 60.2972% | 3,465 |
| Net loans and leases to deposits | 93.6350% | 1,108 |
| Net loans and leases to core deposits | 109.5644% | 873 |
| Total domestic deposits to total assets | 64.3960% | 4,989 |
| Equity capital to assets | 10.0452% | 3,738 |
| Core capital (leverage) ratio | 11.4350% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6778% | 2,406 |
| Memoranda: | ||
| Average total assets | $137,548,000 | 3,484 |
| Average earning assets | $101,087,000 | 3,864 |
| Average equity | $15,319,500 | 3,628 |
| Average total loans | $97,091,500 | 3,261 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5883% | 38 |
| Cost of funding earning assets | 1.2720% | 835 |
| Net interest margin | 7.3163% | 35 |
| Noninterest income to average assets | 14.1518% | 50 |
| Noninterest expense to average assets | 17.9439% | 41 |
| Loan and lease loss provision to assets | 1.9391% | 45 |
| Net operating income to assets | 0.5238% | 4,348 |
| Return on assets (ROA) | 0.5238% | 4,399 |
| Pretax return on assets | 0.6762% | 4,264 |
| Return on Equity (ROE) | 3.9560% | 4,471 |
| Retained earnings to average equity (ytd only) | 3.9560% | 2,984 |
| Net charge-offs to loans | 3.6134% | 29 |
| Credit loss provision to net charge-offs | 68.1804% | 2,938 |
| Earnings coverage of net charge-offs (x) | 0.9196% | 3,584 |
| Efficiency ratio | 87.1570% | 483 |
| Assets per employee ($millions) | 0.8612% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7198% | 166 |
| Loan loss allowance to noncurrent loans | 460.9672% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 2,475 |
| Noncurrent loans to loans | 0.5900% | 2,412 |
| Net loans and leases to total assets | 79.7459% | 820 |
| Net loans and leases to deposits | 105.1621% | 327 |
| Net loans and leases to core deposits | 130.4032% | 272 |
| Total domestic deposits to total assets | 75.8314% | 4,618 |
| Equity capital to assets | 12.5554% | 1,784 |
| Core capital (leverage) ratio | 9.6202% | 3,935 |
| Tier 1 risk-based capital ratio | 12.0979% | 4,307 |
| Total risk-based capital ratio | 13.3979% | 4,164 |
| Memoranda: | ||
| Average total assets | $111,497,800 | 3,812 |
| Average earning assets | $97,645,000 | 3,918 |
| Average equity | $14,762,200 | 3,660 |
| Average total loans | $87,756,200 | 3,453 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.9867% | 7 |
| Cost of funding earning assets | 1.2146% | 997 |
| Net interest margin | 14.7721% | 7 |
| Noninterest income to average assets | 6.7247% | 80 |
| Noninterest expense to average assets | 16.8446% | 43 |
| Loan and lease loss provision to assets | 1.8590% | 46 |
| Net operating income to assets | 0.9344% | 3,220 |
| Return on assets (ROA) | 0.9344% | 3,293 |
| Pretax return on assets | 1.0745% | 3,362 |
| Return on Equity (ROE) | 6.9590% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.9590% | 1,879 |
| Net charge-offs to loans | 3.6854% | 28 |
| Credit loss provision to net charge-offs | 64.8258% | 2,670 |
| Earnings coverage of net charge-offs (x) | 1.0229% | 3,329 |
| Efficiency ratio | 85.0508% | 549 |
| Assets per employee ($millions) | 0.8608% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5533% | 207 |
| Loan loss allowance to noncurrent loans | 466.4484% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 2,712 |
| Noncurrent loans to loans | 0.5474% | 2,656 |
| Net loans and leases to total assets | 80.4868% | 781 |
| Net loans and leases to deposits | 128.4213% | 49 |
| Net loans and leases to core deposits | 135.6307% | 234 |
| Total domestic deposits to total assets | 62.6740% | 5,146 |
| Equity capital to assets | 11.2595% | 2,872 |
| Core capital (leverage) ratio | 10.9403% | 2,700 |
| Tier 1 risk-based capital ratio | 12.9026% | 3,905 |
| Total risk-based capital ratio | 14.1815% | 3,781 |
| Memoranda: | ||
| Average total assets | $109,445,000 | 3,879 |
| Average earning assets | $96,711,250 | 3,967 |
| Average equity | $14,695,250 | 3,695 |
| Average total loans | $85,162,250 | 3,538 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.3225% | 13 |
| Cost of funding earning assets | 1.0818% | 1,371 |
| Net interest margin | 12.2407% | 13 |
| Noninterest income to average assets | 4.1752% | 112 |
| Noninterest expense to average assets | 12.8687% | 50 |
| Loan and lease loss provision to assets | 1.6178% | 51 |
| Net operating income to assets | 0.5690% | 4,388 |
| Return on assets (ROA) | 0.5690% | 4,424 |
| Pretax return on assets | 0.5690% | 4,596 |
| Return on Equity (ROE) | 3.9527% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.9527% | 3,271 |
| Net charge-offs to loans | 4.0816% | 26 |
| Credit loss provision to net charge-offs | 52.3748% | 2,457 |
| Earnings coverage of net charge-offs (x) | 0.7080% | 3,080 |
| Efficiency ratio | 85.3569% | 577 |
| Assets per employee ($millions) | 1.1107% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0172% | 127 |
| Loan loss allowance to noncurrent loans | 429.8682% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 2,282 |
| Noncurrent loans to loans | 0.7019% | 2,222 |
| Net loans and leases to total assets | 78.6756% | 1,091 |
| Net loans and leases to deposits | 132.0068% | 39 |
| Net loans and leases to core deposits | 140.8027% | 193 |
| Total domestic deposits to total assets | 59.5997% | 5,213 |
| Equity capital to assets | 12.2782% | 2,000 |
| Core capital (leverage) ratio | 13.2104% | 1,208 |
| Tier 1 risk-based capital ratio | 14.4675% | 3,081 |
| Total risk-based capital ratio | 15.7433% | 2,993 |
| Memoranda: | ||
| Average total assets | $100,880,330 | 4,055 |
| Average earning assets | $89,668,000 | 4,121 |
| Average equity | $14,521,670 | 3,719 |
| Average total loans | $76,343,330 | 3,725 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6540% | 25 |
| Cost of funding earning assets | 1.0044% | 1,550 |
| Net interest margin | 8.6496% | 27 |
| Noninterest income to average assets | 2.4523% | 191 |
| Noninterest expense to average assets | 8.8325% | 76 |
| Loan and lease loss provision to assets | 1.3750% | 60 |
| Net operating income to assets | 0.0131% | 5,137 |
| Return on assets (ROA) | 0.0131% | 5,141 |
| Pretax return on assets | 0.0131% | 5,134 |
| Return on Equity (ROE) | 0.0832% | 5,146 |
| Retained earnings to average equity (ytd only) | 0.0832% | 4,512 |
| Net charge-offs to loans | 5.1260% | 14 |
| Credit loss provision to net charge-offs | 37.2038% | 2,049 |
| Earnings coverage of net charge-offs (x) | 0.3756% | 2,667 |
| Efficiency ratio | 86.4182% | 556 |
| Assets per employee ($millions) | 3.8012% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8462% | 40 |
| Loan loss allowance to noncurrent loans | 165.8588% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 2.0926% | 440 |
| Noncurrent loans to loans | 2.9219% | 384 |
| Net loans and leases to total assets | 67.7533% | 2,788 |
| Net loans and leases to deposits | 82.1319% | 2,599 |
| Net loans and leases to core deposits | 88.0171% | 2,682 |
| Total domestic deposits to total assets | 82.4933% | 3,584 |
| Equity capital to assets | 15.8109% | 606 |
| Core capital (leverage) ratio | 14.3839% | 850 |
| Tier 1 risk-based capital ratio | 18.4402% | 1,674 |
| Total risk-based capital ratio | 19.7312% | 1,616 |
| Memoranda: | ||
| Average total assets | $91,344,500 | 4,242 |
| Average earning assets | $82,038,500 | 4,279 |
| Average equity | $14,418,500 | 3,747 |
| Average total loans | $65,860,500 | 3,968 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7092% | 18 |
| Cost of funding earning assets | 0.8008% | 1,520 |
| Net interest margin | 9.9084% | 14 |
| Noninterest income to average assets | 1.8159% | 306 |
| Noninterest expense to average assets | 6.2359% | 124 |
| Loan and lease loss provision to assets | 4.0647% | 13 |
| Net operating income to assets | 0.2653% | 5,047 |
| Return on assets (ROA) | 0.3310% | 4,967 |
| Pretax return on assets | 0.3842% | 4,948 |
| Return on Equity (ROE) | 2.0081% | 5,044 |
| Retained earnings to average equity (ytd only) | 2.0081% | 4,353 |
| Net charge-offs to loans | 6.2292% | 9 |
| Credit loss provision to net charge-offs | 85.7631% | 2,774 |
| Earnings coverage of net charge-offs (x) | 0.9226% | 3,668 |
| Efficiency ratio | 58.7825% | 4,042 |
| Assets per employee ($millions) | 3.8109% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5090% | 26 |
| Loan loss allowance to noncurrent loans | 182.0792% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 2.2217% | 385 |
| Noncurrent loans to loans | 3.0256% | 335 |
| Net loans and leases to total assets | 68.9748% | 2,733 |
| Net loans and leases to deposits | 83.4966% | 2,562 |
| Net loans and leases to core deposits | 89.1270% | 2,636 |
| Total domestic deposits to total assets | 82.6079% | 3,450 |
| Equity capital to assets | 15.7586% | 574 |
| Core capital (leverage) ratio | 14.4835% | 802 |
| Tier 1 risk-based capital ratio | 18.0823% | 1,734 |
| Total risk-based capital ratio | 19.3810% | 1,677 |
| Memoranda: | ||
| Average total assets | $86,402,600 | 4,323 |
| Average earning assets | $76,672,400 | 4,368 |
| Average equity | $14,242,400 | 3,722 |
| Average total loans | $65,739,200 | 3,971 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9175% | 17 |
| Cost of funding earning assets | 0.7614% | 1,526 |
| Net interest margin | 10.1561% | 14 |
| Noninterest income to average assets | 1.6835% | 354 |
| Noninterest expense to average assets | 6.3394% | 123 |
| Loan and lease loss provision to assets | 4.0373% | 16 |
| Net operating income to assets | 0.2897% | 5,101 |
| Return on assets (ROA) | 0.3696% | 4,996 |
| Pretax return on assets | 0.3696% | 5,063 |
| Return on Equity (ROE) | 2.2160% | 5,109 |
| Retained earnings to average equity (ytd only) | 2.2160% | 4,499 |
| Net charge-offs to loans | 6.3628% | 10 |
| Credit loss provision to net charge-offs | 82.4960% | 2,506 |
| Earnings coverage of net charge-offs (x) | 0.8842% | 3,384 |
| Efficiency ratio | 59.4333% | 3,900 |
| Assets per employee ($millions) | 3.8382% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6802% | 29 |
| Loan loss allowance to noncurrent loans | 386.0707% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 1.1056% | 1,298 |
| Noncurrent loans to loans | 1.4713% | 1,105 |
| Net loans and leases to total assets | 69.8592% | 2,673 |
| Net loans and leases to deposits | 85.0541% | 2,467 |
| Net loans and leases to core deposits | 91.0434% | 2,555 |
| Total domestic deposits to total assets | 82.1350% | 3,569 |
| Equity capital to assets | 16.2020% | 505 |
| Core capital (leverage) ratio | 14.6880% | 779 |
| Tier 1 risk-based capital ratio | 18.5139% | 1,662 |
| Total risk-based capital ratio | 19.8153% | 1,603 |
| Memoranda: | ||
| Average total assets | $85,138,000 | 4,389 |
| Average earning assets | $75,302,500 | 4,443 |
| Average equity | $14,199,750 | 3,751 |
| Average total loans | $65,483,250 | 4,008 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0583% | 17 |
| Cost of funding earning assets | 0.7087% | 1,575 |
| Net interest margin | 10.3495% | 16 |
| Noninterest income to average assets | 1.3414% | 533 |
| Noninterest expense to average assets | 6.6024% | 118 |
| Loan and lease loss provision to assets | 3.6246% | 17 |
| Net operating income to assets | 0.2141% | 5,219 |
| Return on assets (ROA) | 0.3116% | 5,100 |
| Pretax return on assets | 0.3116% | 5,152 |
| Return on Equity (ROE) | 1.8496% | 5,191 |
| Retained earnings to average equity (ytd only) | 1.8496% | 4,502 |
| Net charge-offs to loans | 6.8838% | 10 |
| Credit loss provision to net charge-offs | 67.5831% | 2,374 |
| Earnings coverage of net charge-offs (x) | 0.7157% | 3,115 |
| Efficiency ratio | 63.2346% | 3,427 |
| Assets per employee ($millions) | 3.7808% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5588% | 27 |
| Loan loss allowance to noncurrent loans | 400.6810% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 1,457 |
| Noncurrent loans to loans | 1.3873% | 1,220 |
| Net loans and leases to total assets | 68.9678% | 2,733 |
| Net loans and leases to deposits | 84.3004% | 2,502 |
| Net loans and leases to core deposits | 91.0365% | 2,481 |
| Total domestic deposits to total assets | 81.8119% | 3,781 |
| Equity capital to assets | 16.3711% | 457 |
| Core capital (leverage) ratio | 15.0765% | 652 |
| Tier 1 risk-based capital ratio | 18.8017% | 1,601 |
| Total risk-based capital ratio | 20.1016% | 1,547 |
| Memoranda: | ||
| Average total assets | $84,091,000 | 4,452 |
| Average earning assets | $73,935,670 | 4,506 |
| Average equity | $14,165,330 | 3,780 |
| Average total loans | $65,516,000 | 4,033 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4077% | 15 |
| Cost of funding earning assets | 0.6880% | 1,508 |
| Net interest margin | 10.7197% | 14 |
| Noninterest income to average assets | 1.0985% | 768 |
| Noninterest expense to average assets | 7.0411% | 113 |
| Loan and lease loss provision to assets | 3.3730% | 18 |
| Net operating income to assets | 0.0339% | 5,365 |
| Return on assets (ROA) | 0.0339% | 5,362 |
| Pretax return on assets | 0.0339% | 5,369 |
| Return on Equity (ROE) | 0.1982% | 5,372 |
| Retained earnings to average equity (ytd only) | 0.1982% | 4,777 |
| Net charge-offs to loans | 7.6485% | 9 |
| Credit loss provision to net charge-offs | 54.7956% | 1,915 |
| Earnings coverage of net charge-offs (x) | 0.5535% | 2,631 |
| Efficiency ratio | 67.3923% | 2,933 |
| Assets per employee ($millions) | 3.4711% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5861% | 28 |
| Loan loss allowance to noncurrent loans | 219.2742% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 2.3348% | 423 |
| Noncurrent loans to loans | 2.5475% | 526 |
| Net loans and leases to total assets | 74.7833% | 1,745 |
| Net loans and leases to deposits | 92.6641% | 1,371 |
| Net loans and leases to core deposits | 100.9561% | 1,615 |
| Total domestic deposits to total assets | 80.7037% | 4,275 |
| Equity capital to assets | 16.9580% | 402 |
| Core capital (leverage) ratio | 15.5982% | 545 |
| Tier 1 risk-based capital ratio | 17.9834% | 1,842 |
| Total risk-based capital ratio | 19.2832% | 1,774 |
| Memoranda: | ||
| Average total assets | $82,657,500 | 4,522 |
| Average earning assets | $72,091,500 | 4,591 |
| Average equity | $14,130,000 | 3,813 |
| Average total loans | $66,522,500 | 4,043 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0757% | 13 |
| Cost of funding earning assets | 0.6457% | 1,324 |
| Net interest margin | 11.4300% | 12 |
| Noninterest income to average assets | 3.2852% | 160 |
| Noninterest expense to average assets | 8.3878% | 86 |
| Loan and lease loss provision to assets | 5.4146% | 10 |
| Net operating income to assets | -1.1313% | 5,600 |
| Return on assets (ROA) | -1.1313% | 5,600 |
| Pretax return on assets | -0.5668% | 5,561 |
| Return on Equity (ROE) | -6.5314% | 5,564 |
| Retained earnings to average equity (ytd only) | -6.5314% | 5,478 |
| Net charge-offs to loans | 7.6170% | 6 |
| Credit loss provision to net charge-offs | 89.9262% | 2,785 |
| Earnings coverage of net charge-offs (x) | 0.8051% | 3,962 |
| Efficiency ratio | 63.3731% | 3,700 |
| Assets per employee ($millions) | 3.1542% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3540% | 20 |
| Loan loss allowance to noncurrent loans | 228.2271% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 2.6009% | 347 |
| Noncurrent loans to loans | 2.7841% | 428 |
| Net loans and leases to total assets | 76.5757% | 1,499 |
| Net loans and leases to deposits | 95.1010% | 1,169 |
| Net loans and leases to core deposits | 104.6528% | 1,366 |
| Total domestic deposits to total assets | 80.5204% | 4,244 |
| Equity capital to assets | 17.2335% | 377 |
| Core capital (leverage) ratio | 15.4607% | 546 |
| Tier 1 risk-based capital ratio | 18.1243% | 1,770 |
| Total risk-based capital ratio | 19.4414% | 1,696 |
| Memoranda: | ||
| Average total assets | $85,565,200 | 4,493 |
| Average earning assets | $74,488,400 | 4,576 |
| Average equity | $14,820,800 | 3,740 |
| Average total loans | $67,638,600 | 4,015 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0760% | 13 |
| Cost of funding earning assets | 0.6408% | 1,300 |
| Net interest margin | 11.4352% | 12 |
| Noninterest income to average assets | 3.3728% | 163 |
| Noninterest expense to average assets | 8.3649% | 88 |
| Loan and lease loss provision to assets | 5.3622% | 11 |
| Net operating income to assets | -0.4334% | 5,625 |
| Return on assets (ROA) | -0.4334% | 5,626 |
| Pretax return on assets | -0.3917% | 5,609 |
| Return on Equity (ROE) | -2.4989% | 5,595 |
| Retained earnings to average equity (ytd only) | -2.4989% | 5,454 |
| Net charge-offs to loans | 7.6123% | 7 |
| Credit loss provision to net charge-offs | 89.8450% | 2,466 |
| Earnings coverage of net charge-offs (x) | 0.8328% | 3,629 |
| Efficiency ratio | 62.7270% | 3,772 |
| Assets per employee ($millions) | 3.2073% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5507% | 17 |
| Loan loss allowance to noncurrent loans | 232.7851% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 2.5807% | 403 |
| Noncurrent loans to loans | 2.8141% | 483 |
| Net loans and leases to total assets | 75.0663% | 1,754 |
| Net loans and leases to deposits | 94.1422% | 1,291 |
| Net loans and leases to core deposits | 103.5089% | 1,430 |
| Total domestic deposits to total assets | 79.7371% | 4,384 |
| Equity capital to assets | 17.7793% | 349 |
| Core capital (leverage) ratio | 15.5206% | 573 |
| Tier 1 risk-based capital ratio | 18.3522% | 1,770 |
| Total risk-based capital ratio | 19.6714% | 1,704 |
| Memoranda: | ||
| Average total assets | $86,454,250 | 4,522 |
| Average earning assets | $75,321,000 | 4,600 |
| Average equity | $14,992,750 | 3,754 |
| Average total loans | $67,783,250 | 4,047 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9952% | 15 |
| Cost of funding earning assets | 0.6255% | 1,301 |
| Net interest margin | 11.3697% | 13 |
| Noninterest income to average assets | 4.1040% | 140 |
| Noninterest expense to average assets | 8.6309% | 87 |
| Loan and lease loss provision to assets | 5.7799% | 11 |
| Net operating income to assets | -0.4207% | 5,671 |
| Return on assets (ROA) | -0.4207% | 5,669 |
| Pretax return on assets | -0.3750% | 5,647 |
| Return on Equity (ROE) | -2.4455% | 5,635 |
| Retained earnings to average equity (ytd only) | -2.4455% | 5,377 |
| Net charge-offs to loans | 7.7003% | 7 |
| Credit loss provision to net charge-offs | 96.4885% | 2,083 |
| Earnings coverage of net charge-offs (x) | 0.9023% | 3,339 |
| Efficiency ratio | 61.4921% | 4,084 |
| Assets per employee ($millions) | 3.2508% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9709% | 12 |
| Loan loss allowance to noncurrent loans | 397.6251% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 1.7120% | 831 |
| Noncurrent loans to loans | 1.7531% | 1,031 |
| Net loans and leases to total assets | 74.0198% | 1,862 |
| Net loans and leases to deposits | 92.6557% | 1,411 |
| Net loans and leases to core deposits | 102.1270% | 1,499 |
| Total domestic deposits to total assets | 79.8869% | 4,436 |
| Equity capital to assets | 17.6569% | 347 |
| Core capital (leverage) ratio | 15.2163% | 593 |
| Tier 1 risk-based capital ratio | 18.6315% | 1,686 |
| Total risk-based capital ratio | 19.9576% | 1,630 |
| Memoranda: | ||
| Average total assets | $87,476,000 | 4,535 |
| Average earning assets | $76,413,670 | 4,605 |
| Average equity | $15,048,330 | 3,754 |
| Average total loans | $68,049,330 | 4,059 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8236% | 16 |
| Cost of funding earning assets | 0.6099% | 1,301 |
| Net interest margin | 11.2138% | 14 |
| Noninterest income to average assets | 4.7396% | 125 |
| Noninterest expense to average assets | 8.7867% | 86 |
| Loan and lease loss provision to assets | 5.7154% | 10 |
| Net operating income to assets | 0.0315% | 5,587 |
| Return on assets (ROA) | 0.0315% | 5,594 |
| Pretax return on assets | 0.0764% | 5,546 |
| Return on Equity (ROE) | 0.1853% | 5,597 |
| Retained earnings to average equity (ytd only) | 0.1853% | 4,877 |
| Net charge-offs to loans | 8.1229% | 8 |
| Credit loss provision to net charge-offs | 91.4388% | 1,684 |
| Earnings coverage of net charge-offs (x) | 0.9266% | 2,782 |
| Efficiency ratio | 60.2714% | 4,423 |
| Assets per employee ($millions) | 3.4462% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9011% | 17 |
| Loan loss allowance to noncurrent loans | 457.4092% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4386% | 1,147 |
| Noncurrent loans to loans | 1.5087% | 1,321 |
| Net loans and leases to total assets | 70.1775% | 2,348 |
| Net loans and leases to deposits | 86.7967% | 1,940 |
| Net loans and leases to core deposits | 94.9863% | 1,895 |
| Total domestic deposits to total assets | 80.8527% | 4,443 |
| Equity capital to assets | 16.8694% | 394 |
| Core capital (leverage) ratio | 14.9595% | 615 |
| Tier 1 risk-based capital ratio | 18.6598% | 1,707 |
| Total risk-based capital ratio | 19.9842% | 1,637 |
| Memoranda: | ||
| Average total assets | $88,953,000 | 4,561 |
| Average earning assets | $78,047,000 | 4,610 |
| Average equity | $15,110,500 | 3,766 |
| Average total loans | $68,448,500 | 4,085 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1858% | 15 |
| Cost of funding earning assets | 0.5614% | 1,597 |
| Net interest margin | 10.6244% | 14 |
| Noninterest income to average assets | 5.8671% | 103 |
| Noninterest expense to average assets | 9.1161% | 86 |
| Loan and lease loss provision to assets | 5.6768% | 7 |
| Net operating income to assets | 0.4106% | 4,905 |
| Return on assets (ROA) | 0.4106% | 4,987 |
| Pretax return on assets | 0.2818% | 5,386 |
| Return on Equity (ROE) | 2.2837% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.2837% | 4,222 |
| Net charge-offs to loans | 4.6955% | 12 |
| Credit loss provision to net charge-offs | 146.3521% | 1,870 |
| Earnings coverage of net charge-offs (x) | 1.5362% | 3,973 |
| Efficiency ratio | 60.4569% | 4,517 |
| Assets per employee ($millions) | 3.3964% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8919% | 15 |
| Loan loss allowance to noncurrent loans | 443.8254% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 1.5265% | 1,077 |
| Noncurrent loans to loans | 1.5528% | 1,281 |
| Net loans and leases to total assets | 73.1287% | 1,992 |
| Net loans and leases to deposits | 91.6935% | 1,490 |
| Net loans and leases to core deposits | 100.9962% | 1,538 |
| Total domestic deposits to total assets | 79.7534% | 4,616 |
| Equity capital to assets | 17.1064% | 375 |
| Core capital (leverage) ratio | 15.2064% | 576 |
| Tier 1 risk-based capital ratio | 18.3509% | 1,760 |
| Total risk-based capital ratio | 19.6824% | 1,707 |
| Memoranda: | ||
| Average total assets | $83,039,800 | 4,665 |
| Average earning assets | $71,966,200 | 4,758 |
| Average equity | $14,932,000 | 3,816 |
| Average total loans | $68,597,600 | 4,077 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7486% | 17 |
| Cost of funding earning assets | 0.5460% | 1,737 |
| Net interest margin | 10.2027% | 16 |
| Noninterest income to average assets | 5.8146% | 108 |
| Noninterest expense to average assets | 9.0384% | 85 |
| Loan and lease loss provision to assets | 5.1359% | 5 |
| Net operating income to assets | 0.3703% | 5,111 |
| Return on assets (ROA) | 0.3703% | 5,201 |
| Pretax return on assets | 0.4209% | 5,266 |
| Return on Equity (ROE) | 2.0328% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.0328% | 4,673 |
| Net charge-offs to loans | 4.0891% | 21 |
| Credit loss provision to net charge-offs | 150.0477% | 1,766 |
| Earnings coverage of net charge-offs (x) | 1.6235% | 3,672 |
| Efficiency ratio | 61.9048% | 4,251 |
| Assets per employee ($millions) | 3.1825% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2601% | 23 |
| Loan loss allowance to noncurrent loans | 509.0376% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 1,383 |
| Noncurrent loans to loans | 1.2298% | 1,826 |
| Net loans and leases to total assets | 78.4848% | 1,119 |
| Net loans and leases to deposits | 99.5387% | 734 |
| Net loans and leases to core deposits | 106.8915% | 1,118 |
| Total domestic deposits to total assets | 78.8485% | 4,754 |
| Equity capital to assets | 18.1350% | 335 |
| Core capital (leverage) ratio | 16.4072% | 426 |
| Tier 1 risk-based capital ratio | 18.1128% | 1,884 |
| Total risk-based capital ratio | 19.4348% | 1,836 |
| Memoranda: | ||
| Average total assets | $81,723,250 | 4,743 |
| Average earning assets | $70,332,750 | 4,837 |
| Average equity | $14,888,500 | 3,855 |
| Average total loans | $68,407,750 | 4,111 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1308% | 20 |
| Cost of funding earning assets | 0.5241% | 1,913 |
| Net interest margin | 9.6067% | 17 |
| Noninterest income to average assets | 5.6253% | 109 |
| Noninterest expense to average assets | 8.9159% | 85 |
| Loan and lease loss provision to assets | 4.4481% | 10 |
| Net operating income to assets | 0.5431% | 4,508 |
| Return on assets (ROA) | 0.5431% | 4,616 |
| Pretax return on assets | 0.5947% | 4,901 |
| Return on Equity (ROE) | 2.9766% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.9766% | 4,019 |
| Net charge-offs to loans | 3.7788% | 34 |
| Credit loss provision to net charge-offs | 140.6371% | 1,676 |
| Earnings coverage of net charge-offs (x) | 1.5944% | 3,391 |
| Efficiency ratio | 63.8380% | 4,051 |
| Assets per employee ($millions) | 3.1168% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4969% | 35 |
| Loan loss allowance to noncurrent loans | 628.7129% | 877 |
| Noncurrent assets plus other real estate owned to assets | 1.4808% | 1,300 |
| Noncurrent loans to loans | 0.8743% | 2,555 |
| Net loans and leases to total assets | 80.8307% | 784 |
| Net loans and leases to deposits | 103.1820% | 498 |
| Net loans and leases to core deposits | 110.5706% | 901 |
| Total domestic deposits to total assets | 78.3380% | 4,929 |
| Equity capital to assets | 18.5152% | 293 |
| Core capital (leverage) ratio | 16.5458% | 397 |
| Tier 1 risk-based capital ratio | 18.1854% | 1,880 |
| Total risk-based capital ratio | 19.4990% | 1,827 |
| Memoranda: | ||
| Average total assets | $81,382,330 | 4,785 |
| Average earning assets | $70,596,330 | 4,866 |
| Average equity | $14,849,330 | 3,881 |
| Average total loans | $68,117,000 | 4,143 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7182% | 24 |
| Cost of funding earning assets | 0.5079% | 2,042 |
| Net interest margin | 9.2103% | 22 |
| Noninterest income to average assets | 4.8850% | 122 |
| Noninterest expense to average assets | 9.0736% | 83 |
| Loan and lease loss provision to assets | 3.8256% | 14 |
| Net operating income to assets | -0.0638% | 5,824 |
| Return on assets (ROA) | -0.0638% | 5,845 |
| Pretax return on assets | -0.0098% | 5,820 |
| Return on Equity (ROE) | -0.3520% | 5,835 |
| Retained earnings to average equity (ytd only) | -0.3520% | 5,175 |
| Net charge-offs to loans | 3.7086% | 25 |
| Credit loss provision to net charge-offs | 124.6006% | 1,409 |
| Earnings coverage of net charge-offs (x) | 1.2428% | 2,845 |
| Efficiency ratio | 70.3196% | 3,064 |
| Assets per employee ($millions) | 3.1033% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0316% | 53 |
| Loan loss allowance to noncurrent loans | 622.2423% | 844 |
| Noncurrent assets plus other real estate owned to assets | 1.4500% | 1,424 |
| Noncurrent loans to loans | 0.8086% | 2,818 |
| Net loans and leases to total assets | 80.4925% | 748 |
| Net loans and leases to deposits | 101.6337% | 525 |
| Net loans and leases to core deposits | 108.5616% | 943 |
| Total domestic deposits to total assets | 79.1986% | 4,923 |
| Equity capital to assets | 18.3065% | 301 |
| Core capital (leverage) ratio | 15.9299% | 480 |
| Tier 1 risk-based capital ratio | 17.6912% | 2,073 |
| Total risk-based capital ratio | 18.9979% | 2,016 |
| Memoranda: | ||
| Average total assets | $81,555,500 | 4,827 |
| Average earning assets | $70,877,500 | 4,902 |
| Average equity | $14,772,000 | 3,899 |
| Average total loans | $67,519,500 | 4,177 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7714% | 30 |
| Cost of funding earning assets | 0.6383% | 1,135 |
| Net interest margin | 8.1331% | 30 |
| Noninterest income to average assets | 4.9088% | 125 |
| Noninterest expense to average assets | 7.9224% | 110 |
| Loan and lease loss provision to assets | 3.8038% | 9 |
| Net operating income to assets | 2.3411% | 193 |
| Return on assets (ROA) | 2.3411% | 198 |
| Pretax return on assets | 0.0502% | 5,847 |
| Return on Equity (ROE) | 14.2846% | 807 |
| Retained earnings to average equity (ytd only) | 14.2846% | 157 |
| Net charge-offs to loans | 2.2997% | 52 |
| Credit loss provision to net charge-offs | 205.6291% | 1,361 |
| Earnings coverage of net charge-offs (x) | 2.0834% | 3,977 |
| Efficiency ratio | 67.1070% | 3,729 |
| Assets per employee ($millions) | 3.0527% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9317% | 54 |
| Loan loss allowance to noncurrent loans | 586.9643% | 936 |
| Noncurrent assets plus other real estate owned to assets | 1.6973% | 1,146 |
| Noncurrent loans to loans | 0.8402% | 2,687 |
| Net loans and leases to total assets | 76.8757% | 1,271 |
| Net loans and leases to deposits | 97.0650% | 902 |
| Net loans and leases to core deposits | 103.6003% | 1,249 |
| Total domestic deposits to total assets | 79.2002% | 4,933 |
| Equity capital to assets | 17.9232% | 319 |
| Core capital (leverage) ratio | 17.3788% | 328 |
| Tier 1 risk-based capital ratio | 19.9957% | 1,486 |
| Total risk-based capital ratio | 21.2887% | 1,451 |
| Memoranda: | ||
| Average total assets | $81,628,800 | 4,835 |
| Average earning assets | $68,928,400 | 4,961 |
| Average equity | $13,378,000 | 4,064 |
| Average total loans | $65,661,800 | 4,212 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9611% | 30 |
| Cost of funding earning assets | 0.6779% | 940 |
| Net interest margin | 8.2831% | 27 |
| Noninterest income to average assets | 4.9710% | 128 |
| Noninterest expense to average assets | 7.6366% | 125 |
| Loan and lease loss provision to assets | 3.6660% | 9 |
| Net operating income to assets | 0.5649% | 4,548 |
| Return on assets (ROA) | 0.5649% | 4,634 |
| Pretax return on assets | 0.6304% | 4,895 |
| Return on Equity (ROE) | 3.5304% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.5304% | 3,954 |
| Net charge-offs to loans | 1.9445% | 66 |
| Credit loss provision to net charge-offs | 234.6960% | 1,191 |
| Earnings coverage of net charge-offs (x) | 2.7505% | 3,605 |
| Efficiency ratio | 63.8310% | 4,280 |
| Assets per employee ($millions) | 2.9592% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5023% | 67 |
| Loan loss allowance to noncurrent loans | 322.5352% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 3.3781% | 394 |
| Noncurrent loans to loans | 1.3959% | 1,826 |
| Net loans and leases to total assets | 79.0320% | 953 |
| Net loans and leases to deposits | 96.7458% | 931 |
| Net loans and leases to core deposits | 103.2490% | 1,286 |
| Total domestic deposits to total assets | 81.6904% | 4,258 |
| Equity capital to assets | 16.5411% | 483 |
| Core capital (leverage) ratio | 16.4330% | 435 |
| Tier 1 risk-based capital ratio | 19.0491% | 1,760 |
| Total risk-based capital ratio | 20.3357% | 1,720 |
| Memoranda: | ||
| Average total assets | $81,430,000 | 4,892 |
| Average earning assets | $68,442,500 | 5,029 |
| Average equity | $13,029,250 | 4,177 |
| Average total loans | $65,414,500 | 4,262 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8137% | 31 |
| Cost of funding earning assets | 0.7284% | 725 |
| Net interest margin | 8.0853% | 30 |
| Noninterest income to average assets | 6.5682% | 105 |
| Noninterest expense to average assets | 8.1352% | 109 |
| Loan and lease loss provision to assets | 4.3519% | 4 |
| Net operating income to assets | 0.7981% | 3,401 |
| Return on assets (ROA) | 0.7981% | 3,489 |
| Pretax return on assets | 0.8811% | 4,027 |
| Return on Equity (ROE) | 5.0436% | 4,594 |
| Retained earnings to average equity (ytd only) | 5.0436% | 2,836 |
| Net charge-offs to loans | 1.5956% | 106 |
| Credit loss provision to net charge-offs | 342.8846% | 844 |
| Earnings coverage of net charge-offs (x) | 4.1231% | 3,088 |
| Efficiency ratio | 60.6902% | 4,883 |
| Assets per employee ($millions) | 2.9860% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5132% | 74 |
| Loan loss allowance to noncurrent loans | 288.2927% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 3.8055% | 356 |
| Noncurrent loans to loans | 1.5655% | 1,686 |
| Net loans and leases to total assets | 77.5468% | 1,132 |
| Net loans and leases to deposits | 95.2801% | 1,023 |
| Net loans and leases to core deposits | 101.6387% | 1,354 |
| Total domestic deposits to total assets | 81.3882% | 4,490 |
| Equity capital to assets | 16.3518% | 481 |
| Core capital (leverage) ratio | 16.2322% | 441 |
| Tier 1 risk-based capital ratio | 18.7901% | 1,844 |
| Total risk-based capital ratio | 20.0768% | 1,807 |
| Memoranda: | ||
| Average total assets | $81,940,670 | 4,938 |
| Average earning assets | $68,915,330 | 5,059 |
| Average equity | $12,967,000 | 4,220 |
| Average total loans | $65,178,670 | 4,306 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1468% | 36 |
| Cost of funding earning assets | 0.8129% | 469 |
| Net interest margin | 7.3338% | 40 |
| Noninterest income to average assets | 6.5181% | 109 |
| Noninterest expense to average assets | 8.3825% | 110 |
| Loan and lease loss provision to assets | 4.3244% | 8 |
| Net operating income to assets | -0.1646% | 6,130 |
| Return on assets (ROA) | -0.1646% | 6,151 |
| Pretax return on assets | -0.0291% | 6,072 |
| Return on Equity (ROE) | -1.0576% | 6,130 |
| Retained earnings to average equity (ytd only) | -1.0576% | 5,567 |
| Net charge-offs to loans | 1.5500% | 122 |
| Credit loss provision to net charge-offs | 354.3651% | 722 |
| Earnings coverage of net charge-offs (x) | 3.5198% | 2,593 |
| Efficiency ratio | 65.8900% | 4,179 |
| Assets per employee ($millions) | 3.0127% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5108% | 182 |
| Loan loss allowance to noncurrent loans | 317.4150% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 3.4663% | 481 |
| Noncurrent loans to loans | 1.1060% | 2,556 |
| Net loans and leases to total assets | 76.0112% | 1,205 |
| Net loans and leases to deposits | 92.0722% | 1,178 |
| Net loans and leases to core deposits | 98.5022% | 1,430 |
| Total domestic deposits to total assets | 82.5561% | 4,323 |
| Equity capital to assets | 15.2271% | 674 |
| Core capital (leverage) ratio | 15.2565% | 571 |
| Tier 1 risk-based capital ratio | 17.8901% | 2,176 |
| Total risk-based capital ratio | 19.1640% | 2,125 |
| Memoranda: | ||
| Average total assets | $82,600,500 | 4,972 |
| Average earning assets | $69,377,000 | 5,108 |
| Average equity | $12,859,000 | 4,264 |
| Average total loans | $65,031,000 | 4,332 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 919 |
| Cost of funding earning assets | 0.8369% | 548 |
| Net interest margin | 4.0658% | 1,695 |
| Noninterest income to average assets | 2.9391% | 195 |
| Noninterest expense to average assets | 5.5021% | 229 |
| Loan and lease loss provision to assets | 1.2559% | 75 |
| Net operating income to assets | -0.3112% | 6,243 |
| Return on assets (ROA) | -0.3112% | 6,237 |
| Pretax return on assets | -0.3099% | 6,223 |
| Return on Equity (ROE) | -1.9168% | 6,209 |
| Retained earnings to average equity (ytd only) | -1.9168% | 6,002 |
| Net charge-offs to loans | 0.0908% | 3,201 |
| Credit loss provision to net charge-offs | 1,896.2264% | 162 |
| Earnings coverage of net charge-offs (x) | 14.2830% | 2,176 |
| Efficiency ratio | 84.7674% | 1,313 |
| Assets per employee ($millions) | 2.8873% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6600% | 449 |
| Loan loss allowance to noncurrent loans | 203.1212% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 3.8234% | 460 |
| Noncurrent loans to loans | 1.3096% | 2,253 |
| Net loans and leases to total assets | 76.5873% | 1,183 |
| Net loans and leases to deposits | 93.1839% | 1,163 |
| Net loans and leases to core deposits | 99.5963% | 1,420 |
| Total domestic deposits to total assets | 82.1894% | 4,353 |
| Equity capital to assets | 15.9231% | 548 |
| Core capital (leverage) ratio | 16.0478% | 463 |
| Tier 1 risk-based capital ratio | 18.2150% | 2,075 |
| Total risk-based capital ratio | 19.4792% | 2,029 |
| Memoranda: | ||
| Average total assets | $80,024,000 | 5,061 |
| Average earning assets | $69,063,600 | 5,146 |
| Average equity | $12,990,600 | 4,200 |
| Average total loans | $58,389,800 | 4,535 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 1,745 |
| Cost of funding earning assets | 0.8359% | 575 |
| Net interest margin | 3.7001% | 3,022 |
| Noninterest income to average assets | 1.9043% | 374 |
| Noninterest expense to average assets | 4.8375% | 345 |
| Loan and lease loss provision to assets | 0.5796% | 237 |
| Net operating income to assets | -0.3057% | 6,318 |
| Return on assets (ROA) | -0.3057% | 6,313 |
| Pretax return on assets | -0.3040% | 6,293 |
| Return on Equity (ROE) | -1.8740% | 6,277 |
| Retained earnings to average equity (ytd only) | -1.8740% | 6,057 |
| Net charge-offs to loans | 0.0327% | 3,833 |
| Credit loss provision to net charge-offs | 2,478.5714% | 156 |
| Earnings coverage of net charge-offs (x) | 11.7831% | 2,377 |
| Efficiency ratio | 93.8909% | 603 |
| Assets per employee ($millions) | 2.7596% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 1,718 |
| Loan loss allowance to noncurrent loans | 191.9499% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 3.6379% | 575 |
| Noncurrent loans to loans | 0.9321% | 3,232 |
| Net loans and leases to total assets | 76.2275% | 1,190 |
| Net loans and leases to deposits | 92.7896% | 1,153 |
| Net loans and leases to core deposits | 99.4714% | 1,418 |
| Total domestic deposits to total assets | 82.1509% | 4,427 |
| Equity capital to assets | 16.7529% | 464 |
| Core capital (leverage) ratio | 16.5580% | 414 |
| Tier 1 risk-based capital ratio | 19.0524% | 1,894 |
| Total risk-based capital ratio | 20.3068% | 1,858 |
| Memoranda: | ||
| Average total assets | $79,818,750 | 5,129 |
| Average earning assets | $69,222,000 | 5,200 |
| Average equity | $13,020,000 | 4,219 |
| Average total loans | $57,085,000 | 4,625 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,181 |
| Cost of funding earning assets | 0.8255% | 625 |
| Net interest margin | 3.5726% | 3,474 |
| Noninterest income to average assets | 0.7314% | 2,141 |
| Noninterest expense to average assets | 4.2098% | 590 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3669% | 6,399 |
| Return on assets (ROA) | -0.3669% | 6,405 |
| Pretax return on assets | -0.3669% | 6,384 |
| Return on Equity (ROE) | -2.2691% | 6,345 |
| Retained earnings to average equity (ytd only) | -2.2691% | 6,024 |
| Net charge-offs to loans | 0.0641% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -8.2222% | 4,307 |
| Efficiency ratio | 108.5806% | 253 |
| Assets per employee ($millions) | 2.8613% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 3,793 |
| Loan loss allowance to noncurrent loans | 154.9356% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 3.5149% | 659 |
| Noncurrent loans to loans | 0.8466% | 3,589 |
| Net loans and leases to total assets | 67.8013% | 2,439 |
| Net loans and leases to deposits | 81.4549% | 2,320 |
| Net loans and leases to core deposits | 87.0009% | 2,418 |
| Total domestic deposits to total assets | 83.2378% | 4,215 |
| Equity capital to assets | 16.2129% | 517 |
| Core capital (leverage) ratio | 15.9598% | 483 |
| Tier 1 risk-based capital ratio | 20.2260% | 1,634 |
| Total risk-based capital ratio | 21.3573% | 1,633 |
| Memoranda: | ||
| Average total assets | $80,668,330 | 5,145 |
| Average earning assets | $70,256,330 | 5,214 |
| Average equity | $13,045,000 | 4,210 |
| Average total loans | $56,122,000 | 4,684 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 2,221 |
| Cost of funding earning assets | 0.8195% | 673 |
| Net interest margin | 3.5604% | 3,435 |
| Noninterest income to average assets | 0.4892% | 3,501 |
| Noninterest expense to average assets | 4.2004% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5979% | 6,501 |
| Return on assets (ROA) | -0.5979% | 6,500 |
| Pretax return on assets | -0.5979% | 6,484 |
| Return on Equity (ROE) | -3.7023% | 6,435 |
| Retained earnings to average equity (ytd only) | -3.7023% | 6,033 |
| Net charge-offs to loans | 0.1765% | 1,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -4.8400% | 3,576 |
| Efficiency ratio | 115.3635% | 217 |
| Assets per employee ($millions) | 3.0259% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 4,232 |
| Loan loss allowance to noncurrent loans | 134.6516% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 3.4272% | 771 |
| Noncurrent loans to loans | 0.9496% | 3,515 |
| Net loans and leases to total assets | 67.5675% | 2,290 |
| Net loans and leases to deposits | 80.9354% | 2,172 |
| Net loans and leases to core deposits | 86.2976% | 2,290 |
| Total domestic deposits to total assets | 83.4833% | 4,455 |
| Equity capital to assets | 15.9268% | 538 |
| Core capital (leverage) ratio | 15.9763% | 482 |
| Tier 1 risk-based capital ratio | 19.9432% | 1,738 |
| Total risk-based capital ratio | 21.0462% | 1,738 |
| Memoranda: | ||
| Average total assets | $80,945,000 | 5,188 |
| Average earning assets | $70,778,000 | 5,258 |
| Average equity | $13,073,000 | 4,224 |
| Average total loans | $56,662,500 | 4,703 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 1,078 |
| Cost of funding earning assets | 0.8576% | 921 |
| Net interest margin | 4.0517% | 1,800 |
| Noninterest income to average assets | 1.2699% | 859 |
| Noninterest expense to average assets | 4.3650% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4221% | 5,070 |
| Return on assets (ROA) | 0.6691% | 4,035 |
| Pretax return on assets | 0.6703% | 4,633 |
| Return on Equity (ROE) | 4.2860% | 4,977 |
| Retained earnings to average equity (ytd only) | 4.2860% | 3,124 |
| Net charge-offs to loans | 0.0242% | 4,938 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 25.2143% | 1,338 |
| Efficiency ratio | 90.1077% | 1,015 |
| Assets per employee ($millions) | 3.0843% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 4,193 |
| Loan loss allowance to noncurrent loans | 110.7784% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 3.6263% | 786 |
| Noncurrent loans to loans | 1.1636% | 3,216 |
| Net loans and leases to total assets | 70.6663% | 1,906 |
| Net loans and leases to deposits | 85.3601% | 1,765 |
| Net loans and leases to core deposits | 89.0125% | 2,134 |
| Total domestic deposits to total assets | 82.7861% | 4,617 |
| Equity capital to assets | 16.3784% | 467 |
| Core capital (leverage) ratio | 16.1823% | 450 |
| Tier 1 risk-based capital ratio | 19.8602% | 1,682 |
| Total risk-based capital ratio | 20.9872% | 1,692 |
| Memoranda: | ||
| Average total assets | $83,389,800 | 5,151 |
| Average earning assets | $72,414,200 | 5,243 |
| Average equity | $13,019,200 | 4,266 |
| Average total loans | $57,888,200 | 4,691 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0820% | 796 |
| Cost of funding earning assets | 0.8534% | 1,030 |
| Net interest margin | 4.2286% | 1,249 |
| Noninterest income to average assets | 1.5045% | 648 |
| Noninterest expense to average assets | 4.4217% | 562 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7538% | 3,584 |
| Return on assets (ROA) | 1.0801% | 2,167 |
| Pretax return on assets | 1.0817% | 3,185 |
| Return on Equity (ROE) | 6.9998% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.9998% | 1,872 |
| Net charge-offs to loans | 0.0368% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 29.8162% | 1,238 |
| Efficiency ratio | 84.4295% | 1,544 |
| Assets per employee ($millions) | 3.3744% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 4,571 |
| Loan loss allowance to noncurrent loans | 114.4186% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 3.5673% | 940 |
| Noncurrent loans to loans | 1.1050% | 3,585 |
| Net loans and leases to total assets | 71.1654% | 1,752 |
| Net loans and leases to deposits | 85.7891% | 1,639 |
| Net loans and leases to core deposits | 89.3966% | 2,032 |
| Total domestic deposits to total assets | 82.9538% | 4,592 |
| Equity capital to assets | 16.3695% | 484 |
| Core capital (leverage) ratio | 16.1357% | 476 |
| Tier 1 risk-based capital ratio | 19.6946% | 1,815 |
| Total risk-based capital ratio | 20.7995% | 1,817 |
| Memoranda: | ||
| Average total assets | $84,189,500 | 5,184 |
| Average earning assets | $73,119,500 | 5,270 |
| Average equity | $12,990,500 | 4,311 |
| Average total loans | $58,008,250 | 4,729 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1267% | 733 |
| Cost of funding earning assets | 0.8481% | 1,147 |
| Net interest margin | 4.2786% | 1,074 |
| Noninterest income to average assets | 1.5576% | 653 |
| Noninterest expense to average assets | 4.5955% | 485 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6639% | 4,000 |
| Return on assets (ROA) | 0.8961% | 2,964 |
| Pretax return on assets | 0.8985% | 3,917 |
| Return on Equity (ROE) | 5.9217% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.9217% | 2,484 |
| Net charge-offs to loans | 0.1175% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.3529% | 2,408 |
| Efficiency ratio | 86.3576% | 1,381 |
| Assets per employee ($millions) | 3.3662% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 4,617 |
| Loan loss allowance to noncurrent loans | 70.0389% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 3.8880% | 914 |
| Noncurrent loans to loans | 1.8217% | 2,606 |
| Net loans and leases to total assets | 66.1985% | 2,553 |
| Net loans and leases to deposits | 78.8569% | 2,474 |
| Net loans and leases to core deposits | 81.9880% | 2,803 |
| Total domestic deposits to total assets | 83.9477% | 4,338 |
| Equity capital to assets | 15.4748% | 621 |
| Core capital (leverage) ratio | 15.4540% | 529 |
| Tier 1 risk-based capital ratio | 18.9722% | 2,003 |
| Total risk-based capital ratio | 20.0357% | 2,017 |
| Memoranda: | ||
| Average total assets | $85,257,330 | 5,180 |
| Average earning assets | $73,810,000 | 5,285 |
| Average equity | $12,901,670 | 4,356 |
| Average total loans | $57,887,000 | 4,750 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3292% | 482 |
| Cost of funding earning assets | 0.8443% | 1,277 |
| Net interest margin | 4.4850% | 696 |
| Noninterest income to average assets | 1.0162% | 1,431 |
| Noninterest expense to average assets | 4.6802% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2237% | 5,810 |
| Return on assets (ROA) | 0.6806% | 3,933 |
| Pretax return on assets | 0.6853% | 4,636 |
| Return on Equity (ROE) | 4.5479% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.5479% | 3,506 |
| Net charge-offs to loans | 0.2934% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.1163% | 3,461 |
| Efficiency ratio | 94.2966% | 812 |
| Assets per employee ($millions) | 3.3938% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 5,045 |
| Loan loss allowance to noncurrent loans | 27.9481% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 6.2692% | 498 |
| Noncurrent loans to loans | 4.4051% | 964 |
| Net loans and leases to total assets | 67.2293% | 2,152 |
| Net loans and leases to deposits | 79.9439% | 2,081 |
| Net loans and leases to core deposits | 83.0700% | 2,450 |
| Total domestic deposits to total assets | 84.0955% | 4,434 |
| Equity capital to assets | 15.1761% | 716 |
| Core capital (leverage) ratio | 14.7348% | 631 |
| Tier 1 risk-based capital ratio | 18.2026% | 2,286 |
| Total risk-based capital ratio | 19.2299% | 2,339 |
| Memoranda: | ||
| Average total assets | $85,808,000 | 5,204 |
| Average earning assets | $74,382,000 | 5,311 |
| Average equity | $12,841,000 | 4,410 |
| Average total loans | $58,615,500 | 4,754 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 1,122 |
| Cost of funding earning assets | 0.9746% | 1,495 |
| Net interest margin | 4.2221% | 1,596 |
| Noninterest income to average assets | 1.1705% | 1,148 |
| Noninterest expense to average assets | 4.3127% | 675 |
| Loan and lease loss provision to assets | 0.2678% | 2,503 |
| Net operating income to assets | 0.2416% | 5,659 |
| Return on assets (ROA) | 0.2371% | 5,869 |
| Pretax return on assets | 0.2291% | 5,951 |
| Return on Equity (ROE) | 1.7544% | 5,971 |
| Retained earnings to average equity (ytd only) | 1.7544% | 4,979 |
| Net charge-offs to loans | 0.2084% | 3,715 |
| Credit loss provision to net charge-offs | 191.0569% | 1,369 |
| Earnings coverage of net charge-offs (x) | 3.5772% | 3,676 |
| Efficiency ratio | 88.2813% | 1,220 |
| Assets per employee ($millions) | 3.6155% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 4,792 |
| Loan loss allowance to noncurrent loans | 31.0160% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 8.7033% | 298 |
| Noncurrent loans to loans | 4.0871% | 1,138 |
| Net loans and leases to total assets | 67.6785% | 2,243 |
| Net loans and leases to deposits | 80.1468% | 2,259 |
| Net loans and leases to core deposits | 83.2969% | 2,634 |
| Total domestic deposits to total assets | 84.4431% | 4,104 |
| Equity capital to assets | 14.7582% | 804 |
| Core capital (leverage) ratio | 14.2170% | 738 |
| Tier 1 risk-based capital ratio | 17.0469% | 2,629 |
| Total risk-based capital ratio | 18.0802% | 2,695 |
| Memoranda: | ||
| Average total assets | $87,740,800 | 5,145 |
| Average earning assets | $75,720,000 | 5,255 |
| Average equity | $11,855,800 | 4,597 |
| Average total loans | $59,022,400 | 4,751 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3100% | 994 |
| Cost of funding earning assets | 1.0016% | 1,548 |
| Net interest margin | 4.3083% | 1,440 |
| Noninterest income to average assets | 1.0956% | 1,252 |
| Noninterest expense to average assets | 4.3310% | 642 |
| Loan and lease loss provision to assets | 0.2046% | 3,028 |
| Net operating income to assets | 0.2925% | 5,637 |
| Return on assets (ROA) | 0.2925% | 5,838 |
| Pretax return on assets | 0.2819% | 5,991 |
| Return on Equity (ROE) | 2.2149% | 5,969 |
| Retained earnings to average equity (ytd only) | 2.2149% | 5,230 |
| Net charge-offs to loans | 0.0475% | 4,988 |
| Credit loss provision to net charge-offs | 642.8571% | 418 |
| Earnings coverage of net charge-offs (x) | 15.2854% | 1,776 |
| Efficiency ratio | 88.5813% | 1,140 |
| Assets per employee ($millions) | 3.8042% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 4,886 |
| Loan loss allowance to noncurrent loans | 27.2302% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 8.8633% | 312 |
| Noncurrent loans to loans | 4.7164% | 987 |
| Net loans and leases to total assets | 66.5013% | 2,562 |
| Net loans and leases to deposits | 78.6404% | 2,575 |
| Net loans and leases to core deposits | 81.6852% | 3,006 |
| Total domestic deposits to total assets | 84.5639% | 3,948 |
| Equity capital to assets | 14.5778% | 944 |
| Core capital (leverage) ratio | 14.2916% | 754 |
| Tier 1 risk-based capital ratio | 16.8144% | 2,831 |
| Total risk-based capital ratio | 17.8400% | 2,923 |
| Memoranda: | ||
| Average total assets | $87,983,000 | 5,192 |
| Average earning assets | $76,006,250 | 5,292 |
| Average equity | $11,618,250 | 4,691 |
| Average total loans | $58,908,000 | 4,803 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3042% | 1,046 |
| Cost of funding earning assets | 1.0342% | 1,553 |
| Net interest margin | 4.2700% | 1,547 |
| Noninterest income to average assets | 1.2593% | 900 |
| Noninterest expense to average assets | 4.2453% | 695 |
| Loan and lease loss provision to assets | 0.0567% | 4,952 |
| Net operating income to assets | 0.6830% | 3,965 |
| Return on assets (ROA) | 0.6830% | 4,225 |
| Pretax return on assets | 0.6671% | 4,920 |
| Return on Equity (ROE) | 5.3562% | 4,646 |
| Retained earnings to average equity (ytd only) | 5.3562% | 3,069 |
| Net charge-offs to loans | 0.0815% | 4,330 |
| Credit loss provision to net charge-offs | 104.1667% | 2,616 |
| Earnings coverage of net charge-offs (x) | 13.2917% | 1,805 |
| Efficiency ratio | 84.1096% | 1,619 |
| Assets per employee ($millions) | 3.1693% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 5,638 |
| Loan loss allowance to noncurrent loans | 22.6920% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 9.1818% | 321 |
| Noncurrent loans to loans | 4.9892% | 994 |
| Net loans and leases to total assets | 65.7220% | 2,727 |
| Net loans and leases to deposits | 77.9149% | 2,684 |
| Net loans and leases to core deposits | 80.0738% | 3,209 |
| Total domestic deposits to total assets | 84.3510% | 4,166 |
| Equity capital to assets | 14.9233% | 807 |
| Core capital (leverage) ratio | 14.6133% | 673 |
| Tier 1 risk-based capital ratio | 17.9198% | 2,320 |
| Total risk-based capital ratio | 18.8427% | 2,412 |
| Memoranda: | ||
| Average total assets | $88,145,330 | 5,220 |
| Average earning assets | $76,581,000 | 5,313 |
| Average equity | $11,239,330 | 4,765 |
| Average total loans | $58,896,330 | 4,828 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1593% | 1,405 |
| Cost of funding earning assets | 1.0699% | 1,556 |
| Net interest margin | 4.0894% | 2,144 |
| Noninterest income to average assets | 1.4894% | 650 |
| Noninterest expense to average assets | 4.1014% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9437% | 2,725 |
| Return on assets (ROA) | 0.9437% | 2,934 |
| Pretax return on assets | 0.9437% | 3,890 |
| Return on Equity (ROE) | 8.0580% | 3,262 |
| Retained earnings to average equity (ytd only) | 8.0580% | 1,966 |
| Net charge-offs to loans | 0.0935% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 15.0714% | 1,437 |
| Efficiency ratio | 79.9645% | 2,213 |
| Assets per employee ($millions) | 3.2915% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 5,969 |
| Loan loss allowance to noncurrent loans | 19.1827% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 9.2078% | 372 |
| Noncurrent loans to loans | 5.6270% | 936 |
| Net loans and leases to total assets | 64.8633% | 2,681 |
| Net loans and leases to deposits | 75.0544% | 2,964 |
| Net loans and leases to core deposits | 76.9942% | 3,472 |
| Total domestic deposits to total assets | 86.4217% | 3,290 |
| Equity capital to assets | 11.9770% | 2,058 |
| Core capital (leverage) ratio | 11.7457% | 1,738 |
| Tier 1 risk-based capital ratio | 14.4856% | 4,118 |
| Total risk-based capital ratio | 15.3616% | 4,360 |
| Memoranda: | ||
| Average total assets | $89,432,500 | 5,227 |
| Average earning assets | $77,762,000 | 5,307 |
| Average equity | $10,474,000 | 4,923 |
| Average total loans | $59,903,000 | 4,823 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6406% | 6,906 |
| Cost of funding earning assets | 1.0157% | 3,265 |
| Net interest margin | 2.6249% | 6,987 |
| Noninterest income to average assets | 4.8739% | 128 |
| Noninterest expense to average assets | 3.5601% | 1,833 |
| Loan and lease loss provision to assets | 0.7429% | 1,363 |
| Net operating income to assets | 2.8215% | 101 |
| Return on assets (ROA) | 2.8544% | 99 |
| Pretax return on assets | 2.8827% | 138 |
| Return on Equity (ROE) | 30.4605% | 42 |
| Retained earnings to average equity (ytd only) | 30.4605% | 12 |
| Net charge-offs to loans | 0.1765% | 4,736 |
| Credit loss provision to net charge-offs | 655.1724% | 344 |
| Earnings coverage of net charge-offs (x) | 31.6810% | 811 |
| Efficiency ratio | 49.0092% | 6,892 |
| Assets per employee ($millions) | 3.2141% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 6,008 |
| Loan loss allowance to noncurrent loans | 19.6102% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 9.0983% | 395 |
| Noncurrent loans to loans | 5.3370% | 1,013 |
| Net loans and leases to total assets | 67.6582% | 2,461 |
| Net loans and leases to deposits | 77.0562% | 2,989 |
| Net loans and leases to core deposits | 79.2433% | 3,543 |
| Total domestic deposits to total assets | 87.8038% | 2,278 |
| Equity capital to assets | 11.4495% | 2,547 |
| Core capital (leverage) ratio | 10.7967% | 2,436 |
| Tier 1 risk-based capital ratio | 13.8312% | 4,458 |
| Total risk-based capital ratio | 14.7065% | 4,694 |
| Memoranda: | ||
| Average total assets | $102,299,200 | 4,839 |
| Average earning assets | $88,804,800 | 4,971 |
| Average equity | $9,586,200 | 5,128 |
| Average total loans | $65,731,400 | 4,641 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2238% | 7,200 |
| Cost of funding earning assets | 0.9737% | 3,859 |
| Net interest margin | 2.2501% | 7,238 |
| Noninterest income to average assets | 6.7680% | 96 |
| Noninterest expense to average assets | 3.3783% | 2,253 |
| Loan and lease loss provision to assets | 0.3796% | 2,586 |
| Net operating income to assets | 4.9388% | 41 |
| Return on assets (ROA) | 4.9814% | 42 |
| Pretax return on assets | 5.0093% | 62 |
| Return on Equity (ROE) | 55.8025% | 11 |
| Retained earnings to average equity (ytd only) | 55.8025% | 6 |
| Net charge-offs to loans | 0.1897% | 4,278 |
| Credit loss provision to net charge-offs | 315.7895% | 893 |
| Earnings coverage of net charge-offs (x) | 44.4749% | 715 |
| Efficiency ratio | 38.1581% | 7,287 |
| Assets per employee ($millions) | 3.3843% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3312% | 7,274 |
| Loan loss allowance to noncurrent loans | 5.8891% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 9.8058% | 375 |
| Noncurrent loans to loans | 5.6241% | 1,040 |
| Net loans and leases to total assets | 65.4190% | 3,028 |
| Net loans and leases to deposits | 74.8476% | 3,537 |
| Net loans and leases to core deposits | 76.8604% | 4,076 |
| Total domestic deposits to total assets | 87.4029% | 2,405 |
| Equity capital to assets | 12.0262% | 2,230 |
| Core capital (leverage) ratio | 11.5923% | 1,962 |
| Tier 1 risk-based capital ratio | 15.8365% | 3,199 |
| Total risk-based capital ratio | 16.1284% | 3,708 |
| Memoranda: | ||
| Average total assets | $105,375,250 | 4,778 |
| Average earning assets | $91,607,000 | 4,907 |
| Average equity | $9,406,750 | 5,203 |
| Average total loans | $66,781,000 | 4,639 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8625% | 7,372 |
| Cost of funding earning assets | 0.8775% | 4,842 |
| Net interest margin | 1.9850% | 7,369 |
| Noninterest income to average assets | 8.8198% | 73 |
| Noninterest expense to average assets | 3.1144% | 3,199 |
| Loan and lease loss provision to assets | 0.4591% | 2,131 |
| Net operating income to assets | 6.9339% | 32 |
| Return on assets (ROA) | 6.9339% | 32 |
| Pretax return on assets | 6.9743% | 47 |
| Return on Equity (ROE) | 86.3711% | 7 |
| Retained earnings to average equity (ytd only) | 86.3711% | 5 |
| Net charge-offs to loans | 0.1259% | 4,473 |
| Credit loss provision to net charge-offs | 581.3953% | 535 |
| Earnings coverage of net charge-offs (x) | 94.1395% | 380 |
| Efficiency ratio | 29.5265% | 7,441 |
| Assets per employee ($millions) | 3.5928% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3327% | 7,329 |
| Loan loss allowance to noncurrent loans | 7.7268% | 6,973 |
| Noncurrent assets plus other real estate owned to assets | 10.1364% | 382 |
| Noncurrent loans to loans | 4.3059% | 1,567 |
| Net loans and leases to total assets | 61.6414% | 3,960 |
| Net loans and leases to deposits | 69.7368% | 4,470 |
| Net loans and leases to core deposits | 71.4697% | 4,893 |
| Total domestic deposits to total assets | 88.3914% | 1,921 |
| Equity capital to assets | 11.1354% | 2,830 |
| Core capital (leverage) ratio | 10.3448% | 2,889 |
| Tier 1 risk-based capital ratio | 15.6463% | 3,156 |
| Total risk-based capital ratio | 15.9408% | 3,644 |
| Memoranda: | ||
| Average total assets | $108,913,670 | 4,732 |
| Average earning assets | $94,812,330 | 4,857 |
| Average equity | $8,743,670 | 5,396 |
| Average total loans | $68,309,000 | 4,637 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3580% | 7,537 |
| Cost of funding earning assets | 0.5026% | 6,959 |
| Net interest margin | 0.8553% | 7,535 |
| Noninterest income to average assets | 15.3531% | 48 |
| Noninterest expense to average assets | 1.6485% | 7,270 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 14.4510% | 11 |
| Return on assets (ROA) | 14.4510% | 11 |
| Pretax return on assets | 14.4510% | 21 |
| Return on Equity (ROE) | 217.4463% | 4 |
| Retained earnings to average equity (ytd only) | 217.4463% | 2 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.2395% | 7,553 |
| Assets per employee ($millions) | 3.9994% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 8.3453% | 549 |
| Noncurrent loans to loans | 2.8095% | 2,687 |
| Net loans and leases to total assets | 57.9719% | 4,652 |
| Net loans and leases to deposits | 67.9766% | 4,679 |
| Net loans and leases to core deposits | 69.6627% | 5,088 |
| Total domestic deposits to total assets | 85.2822% | 3,896 |
| Equity capital to assets | 9.9084% | 3,892 |
| Core capital (leverage) ratio | 10.0168% | 3,122 |
| Tier 1 risk-based capital ratio | 14.9615% | 3,448 |
| Total risk-based capital ratio | 14.9615% | 4,241 |
| Memoranda: | ||
| Average total assets | $113,071,500 | 4,665 |
| Average earning assets | $98,677,500 | 4,775 |
| Average equity | $7,514,500 | 5,770 |
| Average total loans | $71,355,000 | 4,566 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 1,757 |
| Cost of funding earning assets | 1.9605% | 696 |
| Net interest margin | 3.6860% | 4,412 |
| Noninterest income to average assets | -1.0396% | 7,628 |
| Noninterest expense to average assets | 3.9702% | 1,208 |
| Loan and lease loss provision to assets | 1.8366% | 748 |
| Net operating income to assets | -4.1558% | 7,455 |
| Return on assets (ROA) | -4.1558% | 7,464 |
| Pretax return on assets | -3.6957% | 7,397 |
| Return on Equity (ROE) | -90.5177% | 7,578 |
| Retained earnings to average equity (ytd only) | -90.5177% | 7,578 |
| Net charge-offs to loans | 2.7356% | 659 |
| Credit loss provision to net charge-offs | 90.5683% | 5,109 |
| Earnings coverage of net charge-offs (x) | -0.9167% | 6,584 |
| Efficiency ratio | 188.0591% | 103 |
| Assets per employee ($millions) | 3.4425% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9219% | 429 |
| Loan loss allowance to noncurrent loans | 102.6708% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 9.6468% | 437 |
| Noncurrent loans to loans | 3.8199% | 1,929 |
| Net loans and leases to total assets | 65.8246% | 3,502 |
| Net loans and leases to deposits | 71.7347% | 4,563 |
| Net loans and leases to core deposits | 73.2669% | 5,072 |
| Total domestic deposits to total assets | 91.7611% | 336 |
| Equity capital to assets | 3.2108% | 7,549 |
| Core capital (leverage) ratio | 3.0799% | 7,548 |
| Tier 1 risk-based capital ratio | 4.3684% | 7,549 |
| Total risk-based capital ratio | 5.6492% | 7,553 |
| Memoranda: | ||
| Average total assets | $124,957,000 | 4,378 |
| Average earning assets | $106,809,800 | 4,537 |
| Average equity | $5,737,000 | 6,450 |
| Average total loans | $92,631,600 | 3,988 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7580% | 1,520 |
| Cost of funding earning assets | 2.0248% | 699 |
| Net interest margin | 3.7332% | 4,253 |
| Noninterest income to average assets | -1.5130% | 7,746 |
| Noninterest expense to average assets | 3.8168% | 1,351 |
| Loan and lease loss provision to assets | 2.3784% | 456 |
| Net operating income to assets | -5.1091% | 7,654 |
| Return on assets (ROA) | -5.1091% | 7,664 |
| Pretax return on assets | -4.5288% | 7,606 |
| Return on Equity (ROE) | -104.5518% | 7,697 |
| Retained earnings to average equity (ytd only) | -104.5518% | 7,697 |
| Net charge-offs to loans | 3.0663% | 494 |
| Credit loss provision to net charge-offs | 102.9610% | 4,173 |
| Earnings coverage of net charge-offs (x) | -0.9309% | 6,436 |
| Efficiency ratio | 229.0423% | 52 |
| Assets per employee ($millions) | 3.3116% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9148% | 397 |
| Loan loss allowance to noncurrent loans | 102.3511% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 9.4214% | 453 |
| Noncurrent loans to loans | 3.8249% | 2,006 |
| Net loans and leases to total assets | 71.1719% | 2,447 |
| Net loans and leases to deposits | 77.7619% | 3,869 |
| Net loans and leases to core deposits | 79.3819% | 4,605 |
| Total domestic deposits to total assets | 91.5254% | 297 |
| Equity capital to assets | 3.4220% | 7,673 |
| Core capital (leverage) ratio | 3.0538% | 7,676 |
| Tier 1 risk-based capital ratio | 4.3249% | 7,677 |
| Total risk-based capital ratio | 5.6069% | 7,678 |
| Memoranda: | ||
| Average total assets | $128,656,000 | 4,359 |
| Average earning assets | $109,573,250 | 4,538 |
| Average equity | $6,287,000 | 6,361 |
| Average total loans | $96,921,250 | 3,946 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9692% | 1,020 |
| Cost of funding earning assets | 2.0707% | 732 |
| Net interest margin | 3.8985% | 3,456 |
| Noninterest income to average assets | 0.4164% | 4,787 |
| Noninterest expense to average assets | 3.5729% | 1,847 |
| Loan and lease loss provision to assets | 3.0819% | 312 |
| Net operating income to assets | -3.7923% | 7,602 |
| Return on assets (ROA) | -3.7923% | 7,609 |
| Pretax return on assets | -2.9565% | 7,460 |
| Return on Equity (ROE) | -71.5943% | 7,687 |
| Retained earnings to average equity (ytd only) | -71.5943% | 7,685 |
| Net charge-offs to loans | 4.3558% | 273 |
| Credit loss provision to net charge-offs | 93.4812% | 4,314 |
| Earnings coverage of net charge-offs (x) | 0.0380% | 5,675 |
| Efficiency ratio | 96.6102% | 936 |
| Assets per employee ($millions) | 3.5231% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2930% | 645 |
| Loan loss allowance to noncurrent loans | 45.4478% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 13.2992% | 207 |
| Noncurrent loans to loans | 7.2456% | 754 |
| Net loans and leases to total assets | 68.8264% | 3,168 |
| Net loans and leases to deposits | 79.8551% | 3,619 |
| Net loans and leases to core deposits | 81.3592% | 4,507 |
| Total domestic deposits to total assets | 86.1891% | 2,984 |
| Equity capital to assets | 4.7893% | 7,651 |
| Core capital (leverage) ratio | 4.6745% | 7,637 |
| Tier 1 risk-based capital ratio | 6.1253% | 7,655 |
| Total risk-based capital ratio | 7.3976% | 7,658 |
| Memoranda: | ||
| Average total assets | $134,009,670 | 4,260 |
| Average earning assets | $112,812,670 | 4,486 |
| Average equity | $7,098,330 | 6,111 |
| Average total loans | $101,428,000 | 3,848 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2466% | 580 |
| Cost of funding earning assets | 2.1863% | 614 |
| Net interest margin | 4.0603% | 2,612 |
| Noninterest income to average assets | 0.6802% | 2,736 |
| Noninterest expense to average assets | 3.6809% | 1,550 |
| Loan and lease loss provision to assets | 6.0808% | 111 |
| Net operating income to assets | -7.3235% | 7,850 |
| Return on assets (ROA) | -7.3235% | 7,852 |
| Pretax return on assets | -5.6744% | 7,794 |
| Return on Equity (ROE) | -132.1818% | 7,857 |
| Retained earnings to average equity (ytd only) | -132.1818% | 7,854 |
| Net charge-offs to loans | 8.4081% | 82 |
| Credit loss provision to net charge-offs | 92.8925% | 3,591 |
| Earnings coverage of net charge-offs (x) | 0.0621% | 4,983 |
| Efficiency ratio | 90.0576% | 1,434 |
| Assets per employee ($millions) | 3.5057% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9997% | 824 |
| Loan loss allowance to noncurrent loans | 62.0233% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 11.5950% | 292 |
| Noncurrent loans to loans | 4.8364% | 1,518 |
| Net loans and leases to total assets | 75.8124% | 1,583 |
| Net loans and leases to deposits | 88.0746% | 2,213 |
| Net loans and leases to core deposits | 90.2514% | 3,332 |
| Total domestic deposits to total assets | 86.0775% | 3,111 |
| Equity capital to assets | 4.8454% | 7,732 |
| Core capital (leverage) ratio | 4.4460% | 7,745 |
| Tier 1 risk-based capital ratio | 5.6690% | 7,764 |
| Total risk-based capital ratio | 6.9384% | 7,768 |
| Memoranda: | ||
| Average total assets | $135,837,500 | 4,281 |
| Average earning assets | $113,981,500 | 4,517 |
| Average equity | $7,526,000 | 6,005 |
| Average total loans | $105,755,500 | 3,782 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9153% | 2,173 |
| Cost of funding earning assets | 2.6632% | 646 |
| Net interest margin | 3.2520% | 5,918 |
| Noninterest income to average assets | 0.4402% | 4,882 |
| Noninterest expense to average assets | 2.9713% | 4,258 |
| Loan and lease loss provision to assets | 2.9443% | 599 |
| Net operating income to assets | -1.6621% | 6,943 |
| Return on assets (ROA) | -1.6621% | 6,946 |
| Pretax return on assets | -2.5618% | 7,161 |
| Return on Equity (ROE) | -25.7999% | 7,308 |
| Retained earnings to average equity (ytd only) | -28.4397% | 7,356 |
| Net charge-offs to loans | 2.7863% | 801 |
| Credit loss provision to net charge-offs | 125.7675% | 4,157 |
| Earnings coverage of net charge-offs (x) | 0.1634% | 5,993 |
| Efficiency ratio | 88.5955% | 1,831 |
| Assets per employee ($millions) | 3.9434% | 3,929 |
| Cash dividends to net income (ytd only)* | -10.2317% | 7,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9047% | 839 |
| Loan loss allowance to noncurrent loans | 65.2857% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 10.9190% | 310 |
| Noncurrent loans to loans | 4.4492% | 1,601 |
| Net loans and leases to total assets | 75.3247% | 1,960 |
| Net loans and leases to deposits | 88.0492% | 2,552 |
| Net loans and leases to core deposits | 104.9463% | 3,454 |
| Total domestic deposits to total assets | 85.5484% | 3,261 |
| Equity capital to assets | 6.1755% | 7,638 |
| Core capital (leverage) ratio | 5.9200% | 7,651 |
| Tier 1 risk-based capital ratio | 7.2893% | 7,715 |
| Total risk-based capital ratio | 8.5572% | 7,721 |
| Memoranda: | ||
| Average total assets | $155,825,000 | 3,865 |
| Average earning assets | $139,605,200 | 3,915 |
| Average equity | $10,038,800 | 5,290 |
| Average total loans | $130,928,000 | 3,253 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9257% | 2,337 |
| Cost of funding earning assets | 2.6556% | 893 |
| Net interest margin | 3.2700% | 5,752 |
| Noninterest income to average assets | 0.4520% | 4,889 |
| Noninterest expense to average assets | 2.7262% | 5,211 |
| Loan and lease loss provision to assets | 3.8403% | 318 |
| Net operating income to assets | -1.9243% | 7,286 |
| Return on assets (ROA) | -1.9243% | 7,288 |
| Pretax return on assets | -3.1430% | 7,538 |
| Return on Equity (ROE) | -29.5967% | 7,598 |
| Retained earnings to average equity (ytd only) | -33.0082% | 7,654 |
| Net charge-offs to loans | 1.9462% | 1,022 |
| Credit loss provision to net charge-offs | 230.9009% | 1,891 |
| Earnings coverage of net charge-offs (x) | 0.4192% | 5,612 |
| Efficiency ratio | 79.6333% | 2,910 |
| Assets per employee ($millions) | 4.2752% | 3,245 |
| Cash dividends to net income (ytd only)* | -11.5266% | 7,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0371% | 291 |
| Loan loss allowance to noncurrent loans | 77.2373% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 10.8494% | 288 |
| Noncurrent loans to loans | 5.2269% | 1,230 |
| Net loans and leases to total assets | 75.0453% | 2,233 |
| Net loans and leases to deposits | 90.4867% | 2,484 |
| Net loans and leases to core deposits | 115.0456% | 2,721 |
| Total domestic deposits to total assets | 82.9351% | 4,256 |
| Equity capital to assets | 5.9029% | 7,874 |
| Core capital (leverage) ratio | 5.3812% | 7,885 |
| Tier 1 risk-based capital ratio | 6.5766% | 7,929 |
| Total risk-based capital ratio | 7.8587% | 7,930 |
| Memoranda: | ||
| Average total assets | $159,290,250 | 3,809 |
| Average earning assets | $144,745,500 | 3,822 |
| Average equity | $10,356,750 | 5,240 |
| Average total loans | $136,126,750 | 3,190 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9921% | 2,217 |
| Cost of funding earning assets | 2.6793% | 1,079 |
| Net interest margin | 3.3128% | 5,508 |
| Noninterest income to average assets | 0.4234% | 5,093 |
| Noninterest expense to average assets | 2.5502% | 5,942 |
| Loan and lease loss provision to assets | 3.3374% | 438 |
| Net operating income to assets | -2.7017% | 7,610 |
| Return on assets (ROA) | -2.7017% | 7,600 |
| Pretax return on assets | -2.4062% | 7,396 |
| Return on Equity (ROE) | -40.3685% | 7,850 |
| Retained earnings to average equity (ytd only) | -45.2848% | 7,879 |
| Net charge-offs to loans | 0.3324% | 3,517 |
| Credit loss provision to net charge-offs | 1,143.8298% | 438 |
| Earnings coverage of net charge-offs (x) | 3.1915% | 3,530 |
| Efficiency ratio | 73.2525% | 4,149 |
| Assets per employee ($millions) | 4.1359% | 3,424 |
| Cash dividends to net income (ytd only)* | -12.1783% | 7,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3931% | 414 |
| Loan loss allowance to noncurrent loans | 31.8701% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 9.6616% | 319 |
| Noncurrent loans to loans | 10.6466% | 307 |
| Net loans and leases to total assets | 87.6690% | 259 |
| Net loans and leases to deposits | 103.3248% | 958 |
| Net loans and leases to core deposits | 131.1940% | 1,477 |
| Total domestic deposits to total assets | 84.8480% | 3,337 |
| Equity capital to assets | 5.9708% | 7,934 |
| Core capital (leverage) ratio | 5.5052% | 7,982 |
| Tier 1 risk-based capital ratio | 6.8768% | 8,020 |
| Total risk-based capital ratio | 8.1557% | 8,025 |
| Memoranda: | ||
| Average total assets | $161,084,670 | 3,804 |
| Average earning assets | $148,695,670 | 3,769 |
| Average equity | $10,780,670 | 5,144 |
| Average total loans | $141,382,670 | 3,119 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1696% | 1,696 |
| Cost of funding earning assets | 2.6570% | 1,386 |
| Net interest margin | 3.5127% | 4,677 |
| Noninterest income to average assets | 0.4191% | 5,063 |
| Noninterest expense to average assets | 2.1706% | 6,942 |
| Loan and lease loss provision to assets | 0.2132% | 4,312 |
| Net operating income to assets | 0.8091% | 3,095 |
| Return on assets (ROA) | 0.8091% | 3,254 |
| Pretax return on assets | 1.2573% | 2,426 |
| Return on Equity (ROE) | 11.5148% | 1,806 |
| Retained earnings to average equity (ytd only) | 2.3788% | 4,551 |
| Net charge-offs to loans | 0.5188% | 2,164 |
| Credit loss provision to net charge-offs | 47.5676% | 4,717 |
| Earnings coverage of net charge-offs (x) | 3.2811% | 3,222 |
| Efficiency ratio | 59.6141% | 6,454 |
| Assets per employee ($millions) | 4.9875% | 2,085 |
| Cash dividends to net income (ytd only)* | 79.3413% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 2,891 |
| Loan loss allowance to noncurrent loans | 39.9556% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 3.2876% | 1,669 |
| Noncurrent loans to loans | 3.7911% | 1,625 |
| Net loans and leases to total assets | 85.4055% | 511 |
| Net loans and leases to deposits | 100.4193% | 1,350 |
| Net loans and leases to core deposits | 138.4825% | 1,175 |
| Total domestic deposits to total assets | 85.0488% | 3,174 |
| Equity capital to assets | 7.0965% | 7,624 |
| Core capital (leverage) ratio | 7.1836% | 7,496 |
| Tier 1 risk-based capital ratio | 8.5151% | 7,941 |
| Total risk-based capital ratio | 9.7764% | 7,979 |
| Memoranda: | ||
| Average total assets | $165,112,500 | 3,741 |
| Average earning assets | $151,451,500 | 3,718 |
| Average equity | $11,602,500 | 4,957 |
| Average total loans | $142,638,500 | 3,124 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4339% | 468 |
| Cost of funding earning assets | 3.0710% | 1,600 |
| Net interest margin | 4.3628% | 1,786 |
| Noninterest income to average assets | 0.4624% | 4,945 |
| Noninterest expense to average assets | 2.6453% | 5,467 |
| Loan and lease loss provision to assets | 1.4689% | 925 |
| Net operating income to assets | 0.2700% | 5,642 |
| Return on assets (ROA) | 0.2700% | 5,462 |
| Pretax return on assets | 0.3665% | 5,338 |
| Return on Equity (ROE) | 3.4751% | 5,049 |
| Retained earnings to average equity (ytd only) | 0.6623% | 4,842 |
| Net charge-offs to loans | 0.7439% | 1,663 |
| Credit loss provision to net charge-offs | 225.2973% | 2,110 |
| Earnings coverage of net charge-offs (x) | 2.8151% | 4,673 |
| Efficiency ratio | 59.0373% | 6,523 |
| Assets per employee ($millions) | 4.8716% | 2,083 |
| Cash dividends to net income (ytd only)* | 80.9399% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 2,309 |
| Loan loss allowance to noncurrent loans | 36.4767% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 3.7389% | 1,155 |
| Noncurrent loans to loans | 4.3445% | 1,102 |
| Net loans and leases to total assets | 84.6966% | 783 |
| Net loans and leases to deposits | 101.1478% | 1,687 |
| Net loans and leases to core deposits | 137.5804% | 1,405 |
| Total domestic deposits to total assets | 83.7354% | 3,466 |
| Equity capital to assets | 6.9580% | 7,756 |
| Core capital (leverage) ratio | 7.3287% | 7,385 |
| Tier 1 risk-based capital ratio | 8.4684% | 8,000 |
| Total risk-based capital ratio | 9.7302% | 8,049 |
| Memoranda: | ||
| Average total assets | $141,874,200 | 4,051 |
| Average earning assets | $130,672,200 | 4,031 |
| Average equity | $11,021,400 | 5,116 |
| Average total loans | $124,338,000 | 3,371 |