Home > OptimumBank > Performance and Condition Ratios
OptimumBank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8355% | 481 |
| Cost of funding earning assets | 2.8586% | 630 |
| Net interest margin | 3.9769% | 1,218 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 2.0244% | 3,560 |
| Loan and lease loss provision to assets | 0.2500% | 506 |
| Net operating income to assets | 1.5563% | 828 |
| Return on assets (ROA) | 1.5563% | 826 |
| Pretax return on assets | 2.0909% | 505 |
| Return on Equity (ROE) | 16.2300% | 762 |
| Retained earnings to average equity (ytd only) | 16.2294% | 103 |
| Net charge-offs to loans | 0.1848% | 751 |
| Credit loss provision to net charge-offs | 169.9642% | 1,276 |
| Earnings coverage of net charge-offs (x) | 15.1068% | 2,030 |
| Efficiency ratio | 46.4134% | 4,159 |
| Assets per employee ($millions) | 12.7772% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 2,803 |
| Loan loss allowance to noncurrent loans | 139.6324% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 1,092 |
| Noncurrent loans to loans | 0.7717% | 1,289 |
| Net loans and leases to total assets | 85.2300% | 199 |
| Net loans and leases to deposits | 102.6569% | 365 |
| Net loans and leases to core deposits | 112.2256% | 847 |
| Total domestic deposits to total assets | 83.0300% | 3,030 |
| Equity capital to assets | 10.8767% | 1,643 |
| Core capital (leverage) ratio | 10.9073% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $901,640,600 | 1,108 |
| Average earning assets | $872,420,000 | 1,059 |
| Average equity | $86,460,600 | 1,133 |
| Average total loans | $754,885,600 | 947 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7797% | 499 |
| Cost of funding earning assets | 2.8564% | 640 |
| Net interest margin | 3.9233% | 1,266 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 2.0190% | 3,518 |
| Loan and lease loss provision to assets | 0.2400% | 464 |
| Net operating income to assets | 1.5395% | 888 |
| Return on assets (ROA) | 1.5395% | 885 |
| Pretax return on assets | 2.0677% | 578 |
| Return on Equity (ROE) | 16.6400% | 735 |
| Retained earnings to average equity (ytd only) | 16.6370% | 181 |
| Net charge-offs to loans | 0.2063% | 580 |
| Credit loss provision to net charge-offs | 157.0061% | 1,252 |
| Earnings coverage of net charge-offs (x) | 13.4648% | 1,989 |
| Efficiency ratio | 46.6646% | 4,139 |
| Assets per employee ($millions) | 13.6891% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 2,886 |
| Loan loss allowance to noncurrent loans | 382.0807% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 2,323 |
| Noncurrent loans to loans | 0.2807% | 2,440 |
| Net loans and leases to total assets | 81.4100% | 468 |
| Net loans and leases to deposits | 95.2238% | 770 |
| Net loans and leases to core deposits | 103.3942% | 1,270 |
| Total domestic deposits to total assets | 85.4900% | 2,131 |
| Equity capital to assets | 9.7639% | 2,446 |
| Core capital (leverage) ratio | 10.3832% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $893,866,000 | 1,109 |
| Average earning assets | $865,067,250 | 1,061 |
| Average equity | $82,713,000 | 1,166 |
| Average total loans | $742,696,000 | 957 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7532% | 480 |
| Cost of funding earning assets | 2.8657% | 578 |
| Net interest margin | 3.8875% | 1,286 |
| Noninterest income to average assets | 0.5600% | 1,597 |
| Noninterest expense to average assets | 1.9950% | 3,570 |
| Loan and lease loss provision to assets | 0.2900% | 343 |
| Net operating income to assets | 1.5170% | 891 |
| Return on assets (ROA) | 1.5170% | 892 |
| Pretax return on assets | 2.0375% | 608 |
| Return on Equity (ROE) | 16.7300% | 743 |
| Retained earnings to average equity (ytd only) | 16.7257% | 208 |
| Net charge-offs to loans | 0.2377% | 472 |
| Credit loss provision to net charge-offs | 160.4143% | 1,169 |
| Earnings coverage of net charge-offs (x) | 11.7215% | 1,921 |
| Efficiency ratio | 46.2026% | 4,175 |
| Assets per employee ($millions) | 13.0357% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 2,894 |
| Loan loss allowance to noncurrent loans | 295.3221% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 1,927 |
| Noncurrent loans to loans | 0.3656% | 2,094 |
| Net loans and leases to total assets | 83.5900% | 320 |
| Net loans and leases to deposits | 98.4909% | 623 |
| Net loans and leases to core deposits | 108.1475% | 1,041 |
| Total domestic deposits to total assets | 84.8800% | 2,350 |
| Equity capital to assets | 9.6273% | 2,319 |
| Core capital (leverage) ratio | 9.6757% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $876,972,000 | 1,130 |
| Average earning assets | $848,720,333 | 1,088 |
| Average equity | $79,542,333 | 1,187 |
| Average total loans | $731,178,000 | 967 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0048% | 9 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 70,459.0000% | 24 |
| Cost of funding earning assets | 1,057.0000% | 2 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0035% | 4,494 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 1.2877% | 1,272 |
| Pretax return on assets | 1.7294% | 919 |
| Return on Equity (ROE) | 14.6700% | 1,039 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.2855% | 326 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 5.6737% | 4,538 |
| Assets per employee ($millions) | 0.5839% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,479 |
| Total domestic deposits to total assets | 0.0000% | 4,526 |
| Equity capital to assets | 11,291.0000% | 34 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $764,000 | 4,579 |
| Average earning assets | $7,408 | 4,551 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5781% | 1,061 |
| Cost of funding earning assets | 1.8814% | 1,102 |
| Net interest margin | 3.6967% | 1,768 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 1.9996% | 3,637 |
| Loan and lease loss provision to assets | 0.6100% | 133 |
| Net operating income to assets | 1.0860% | 1,958 |
| Return on assets (ROA) | 1.0860% | 1,932 |
| Pretax return on assets | 1.4613% | 1,507 |
| Return on Equity (ROE) | 11.3400% | 2,137 |
| Retained earnings to average equity (ytd only) | 11.3392% | 722 |
| Net charge-offs to loans | 0.3767% | 280 |
| Credit loss provision to net charge-offs | 180.1150% | 1,307 |
| Earnings coverage of net charge-offs (x) | 6.6162% | 2,460 |
| Efficiency ratio | 49.1699% | 4,031 |
| Assets per employee ($millions) | 13.1842% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 2,648 |
| Loan loss allowance to noncurrent loans | 749.5610% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 2,672 |
| Noncurrent loans to loans | 0.1510% | 2,760 |
| Net loans and leases to total assets | 84.8400% | 219 |
| Net loans and leases to deposits | 104.7445% | 328 |
| Net loans and leases to core deposits | 110.2857% | 953 |
| Total domestic deposits to total assets | 80.9900% | 3,306 |
| Equity capital to assets | 8.7920% | 2,835 |
| Core capital (leverage) ratio | 10.0000% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $667,980,400 | 1,356 |
| Average earning assets | $641,432,200 | 1,310 |
| Average equity | $63,973,000 | 1,331 |
| Average total loans | $553,991,800 | 1,146 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3663% | 1,188 |
| Cost of funding earning assets | 1.7525% | 1,092 |
| Net interest margin | 3.6137% | 1,966 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.0765% | 3,408 |
| Loan and lease loss provision to assets | 0.6200% | 119 |
| Net operating income to assets | 0.9449% | 2,529 |
| Return on assets (ROA) | 0.9449% | 2,520 |
| Pretax return on assets | 1.2726% | 2,115 |
| Return on Equity (ROE) | 9.6200% | 2,759 |
| Retained earnings to average equity (ytd only) | 9.6217% | 1,511 |
| Net charge-offs to loans | 0.3685% | 237 |
| Credit loss provision to net charge-offs | 182.2837% | 1,185 |
| Earnings coverage of net charge-offs (x) | 6.2644% | 2,304 |
| Efficiency ratio | 52.2976% | 3,737 |
| Assets per employee ($millions) | 12.9573% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,170 |
| Loan loss allowance to noncurrent loans | 699.7085% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 2,608 |
| Noncurrent loans to loans | 0.1772% | 2,663 |
| Net loans and leases to total assets | 80.4900% | 592 |
| Net loans and leases to deposits | 92.4442% | 1,018 |
| Net loans and leases to core deposits | 96.5792% | 1,524 |
| Total domestic deposits to total assets | 87.0600% | 1,874 |
| Equity capital to assets | 8.9951% | 2,416 |
| Core capital (leverage) ratio | 10.9802% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $637,212,500 | 1,395 |
| Average earning assets | $611,136,250 | 1,356 |
| Average equity | $62,579,000 | 1,345 |
| Average total loans | $522,795,750 | 1,187 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3718% | 991 |
| Cost of funding earning assets | 1.7264% | 851 |
| Net interest margin | 3.6454% | 1,923 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.1635% | 3,187 |
| Loan and lease loss provision to assets | 0.5000% | 149 |
| Net operating income to assets | 0.9767% | 2,496 |
| Return on assets (ROA) | 0.9767% | 2,486 |
| Pretax return on assets | 1.3093% | 2,055 |
| Return on Equity (ROE) | 9.6300% | 2,811 |
| Retained earnings to average equity (ytd only) | 9.6310% | 1,503 |
| Net charge-offs to loans | 0.2685% | 309 |
| Credit loss provision to net charge-offs | 193.7870% | 1,063 |
| Earnings coverage of net charge-offs (x) | 8.1820% | 2,060 |
| Efficiency ratio | 54.4849% | 3,570 |
| Assets per employee ($millions) | 11.9176% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 2,104 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 82.1400% | 408 |
| Net loans and leases to deposits | 93.7264% | 888 |
| Net loans and leases to core deposits | 100.4671% | 1,211 |
| Total domestic deposits to total assets | 87.6400% | 1,729 |
| Equity capital to assets | 10.0571% | 1,821 |
| Core capital (leverage) ratio | 11.2038% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $612,066,333 | 1,448 |
| Average earning assets | $584,347,000 | 1,416 |
| Average equity | $62,070,667 | 1,352 |
| Average total loans | $503,465,667 | 1,208 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2643% | 867 |
| Cost of funding earning assets | 1.7212% | 545 |
| Net interest margin | 3.5432% | 2,255 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.0482% | 3,504 |
| Loan and lease loss provision to assets | 0.5400% | 133 |
| Net operating income to assets | 0.9338% | 2,741 |
| Return on assets (ROA) | 0.9338% | 2,699 |
| Pretax return on assets | 1.2519% | 2,296 |
| Return on Equity (ROE) | 9.1700% | 2,998 |
| Retained earnings to average equity (ytd only) | 9.1680% | 1,893 |
| Net charge-offs to loans | 0.3436% | 230 |
| Credit loss provision to net charge-offs | 180.8511% | 867 |
| Earnings coverage of net charge-offs (x) | 6.3948% | 1,782 |
| Efficiency ratio | 53.2734% | 3,679 |
| Assets per employee ($millions) | 11.7146% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,211 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 79.8200% | 555 |
| Net loans and leases to deposits | 93.6926% | 808 |
| Net loans and leases to core deposits | 100.8158% | 1,056 |
| Total domestic deposits to total assets | 85.1900% | 2,806 |
| Equity capital to assets | 10.0220% | 1,814 |
| Core capital (leverage) ratio | 11.2403% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $602,283,000 | 1,494 |
| Average earning assets | $571,242,000 | 1,462 |
| Average equity | $61,344,000 | 1,376 |
| Average total loans | $492,461,000 | 1,243 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 679 |
| Cost of funding earning assets | 0.9232% | 231 |
| Net interest margin | 3.6135% | 1,607 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 1.9147% | 3,799 |
| Loan and lease loss provision to assets | 0.7400% | 65 |
| Net operating income to assets | 1.0299% | 2,459 |
| Return on assets (ROA) | 1.0299% | 2,399 |
| Pretax return on assets | 1.3802% | 1,822 |
| Return on Equity (ROE) | 10.0600% | 2,787 |
| Retained earnings to average equity (ytd only) | 10.0643% | 1,127 |
| Net charge-offs to loans | 0.2076% | 400 |
| Credit loss provision to net charge-offs | 463.3690% | 714 |
| Earnings coverage of net charge-offs (x) | 13.2193% | 2,081 |
| Efficiency ratio | 47.3959% | 4,284 |
| Assets per employee ($millions) | 12.1603% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,387 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.7600% | 429 |
| Net loans and leases to deposits | 93.8281% | 798 |
| Net loans and leases to core deposits | 101.5846% | 916 |
| Total domestic deposits to total assets | 87.1400% | 2,355 |
| Equity capital to assets | 10.3589% | 1,528 |
| Core capital (leverage) ratio | 11.2858% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $465,284,600 | 1,817 |
| Average earning assets | $438,273,000 | 1,794 |
| Average equity | $47,614,000 | 1,684 |
| Average total loans | $360,391,200 | 1,513 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 835 |
| Cost of funding earning assets | 0.5540% | 568 |
| Net interest margin | 3.6771% | 1,198 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 1.9895% | 3,509 |
| Loan and lease loss provision to assets | 0.8400% | 51 |
| Net operating income to assets | 0.9435% | 2,687 |
| Return on assets (ROA) | 0.9435% | 2,653 |
| Pretax return on assets | 1.2642% | 2,160 |
| Return on Equity (ROE) | 9.2600% | 2,950 |
| Retained earnings to average equity (ytd only) | 9.2577% | 1,564 |
| Net charge-offs to loans | 0.2511% | 268 |
| Credit loss provision to net charge-offs | 444.1224% | 661 |
| Earnings coverage of net charge-offs (x) | 11.0934% | 1,962 |
| Efficiency ratio | 48.5512% | 4,242 |
| Assets per employee ($millions) | 12.6227% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 2,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 79.6800% | 558 |
| Net loans and leases to deposits | 102.2040% | 298 |
| Net loans and leases to core deposits | 105.3446% | 602 |
| Total domestic deposits to total assets | 77.9600% | 4,262 |
| Equity capital to assets | 8.9814% | 2,227 |
| Core capital (leverage) ratio | 10.7714% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $435,682,250 | 1,912 |
| Average earning assets | $409,114,000 | 1,890 |
| Average equity | $44,401,500 | 1,792 |
| Average total loans | $329,736,000 | 1,601 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 959 |
| Cost of funding earning assets | 0.2702% | 2,027 |
| Net interest margin | 3.7129% | 891 |
| Noninterest income to average assets | 0.7070% | 1,306 |
| Noninterest expense to average assets | 2.1066% | 3,129 |
| Loan and lease loss provision to assets | 0.6920% | 69 |
| Net operating income to assets | 1.0440% | 2,000 |
| Return on assets (ROA) | 1.0440% | 1,969 |
| Pretax return on assets | 1.3986% | 1,442 |
| Return on Equity (ROE) | 9.7224% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.7224% | 1,094 |
| Net charge-offs to loans | 0.1471% | 437 |
| Credit loss provision to net charge-offs | 640.7407% | 543 |
| Earnings coverage of net charge-offs (x) | 19.3565% | 1,561 |
| Efficiency ratio | 50.1906% | 4,234 |
| Assets per employee ($millions) | 11.0631% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 75.0993% | 814 |
| Net loans and leases to deposits | 101.5739% | 225 |
| Net loans and leases to core deposits | 102.7321% | 560 |
| Total domestic deposits to total assets | 73.9356% | 4,534 |
| Equity capital to assets | 9.8190% | 1,811 |
| Core capital (leverage) ratio | 12.8495% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $399,983,667 | 2,051 |
| Average earning assets | $375,990,333 | 2,042 |
| Average equity | $42,952,333 | 1,899 |
| Average total loans | $293,753,667 | 1,733 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 762 |
| Cost of funding earning assets | 0.2718% | 1,909 |
| Net interest margin | 3.7342% | 705 |
| Noninterest income to average assets | 0.7072% | 1,294 |
| Noninterest expense to average assets | 2.3250% | 2,404 |
| Loan and lease loss provision to assets | 0.4276% | 116 |
| Net operating income to assets | 1.0945% | 1,541 |
| Return on assets (ROA) | 1.0945% | 1,537 |
| Pretax return on assets | 1.4666% | 1,083 |
| Return on Equity (ROE) | 9.6692% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.6692% | 1,106 |
| Net charge-offs to loans | 0.0864% | 573 |
| Credit loss provision to net charge-offs | 685.9649% | 430 |
| Earnings coverage of net charge-offs (x) | 30.5439% | 1,121 |
| Efficiency ratio | 55.1057% | 3,963 |
| Assets per employee ($millions) | 9.1729% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 71.0385% | 918 |
| Net loans and leases to deposits | 85.9604% | 743 |
| Net loans and leases to core deposits | 86.2609% | 1,114 |
| Total domestic deposits to total assets | 82.6409% | 3,992 |
| Equity capital to assets | 12.1657% | 900 |
| Core capital (leverage) ratio | 12.5282% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $367,651,000 | 2,174 |
| Average earning assets | $345,780,500 | 2,162 |
| Average equity | $41,616,500 | 1,987 |
| Average total loans | $264,035,000 | 1,864 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 1,762 |
| Cost of funding earning assets | 0.3397% | 2,024 |
| Net interest margin | 3.5027% | 1,724 |
| Noninterest income to average assets | 0.6053% | 2,133 |
| Noninterest expense to average assets | 2.1088% | 3,368 |
| Loan and lease loss provision to assets | 0.4000% | 169 |
| Net operating income to assets | 1.8456% | 459 |
| Return on assets (ROA) | 1.8456% | 485 |
| Pretax return on assets | 1.3170% | 2,310 |
| Return on Equity (ROE) | 19.1510% | 366 |
| Retained earnings to average equity (ytd only) | 19.1510% | 73 |
| Net charge-offs to loans | 0.0020% | 2,568 |
| Credit loss provision to net charge-offs | 29,325.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 1,258.7500% | 118 |
| Efficiency ratio | 55.1208% | 3,805 |
| Assets per employee ($millions) | 9.2116% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 2,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.8213% | 944 |
| Net loans and leases to deposits | 84.5785% | 877 |
| Net loans and leases to core deposits | 85.0690% | 1,255 |
| Total domestic deposits to total assets | 83.7344% | 3,629 |
| Equity capital to assets | 10.3883% | 2,282 |
| Core capital (leverage) ratio | 10.6917% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,244,000 | 2,464 |
| Average earning assets | $269,620,800 | 2,490 |
| Average equity | $28,259,600 | 2,634 |
| Average total loans | $195,429,600 | 2,262 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 2,034 |
| Cost of funding earning assets | 0.3589% | 2,037 |
| Net interest margin | 3.4312% | 2,069 |
| Noninterest income to average assets | 0.4319% | 2,920 |
| Noninterest expense to average assets | 2.0369% | 3,566 |
| Loan and lease loss provision to assets | 0.4569% | 134 |
| Net operating income to assets | 1.0722% | 2,644 |
| Return on assets (ROA) | 1.0722% | 2,707 |
| Pretax return on assets | 1.0722% | 3,261 |
| Return on Equity (ROE) | 11.4049% | 2,237 |
| Retained earnings to average equity (ytd only) | 11.4049% | 968 |
| Net charge-offs to loans | 0.1219% | 646 |
| Credit loss provision to net charge-offs | 575.3012% | 717 |
| Earnings coverage of net charge-offs (x) | 19.2771% | 1,766 |
| Efficiency ratio | 57.1218% | 3,402 |
| Assets per employee ($millions) | 9.3031% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.4687% | 2,083 |
| Net loans and leases to deposits | 72.7660% | 1,987 |
| Net loans and leases to core deposits | 73.2880% | 2,296 |
| Total domestic deposits to total assets | 84.4744% | 3,313 |
| Equity capital to assets | 9.7470% | 3,154 |
| Core capital (leverage) ratio | 10.9644% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,045,250 | 2,564 |
| Average earning assets | $254,870,000 | 2,609 |
| Average equity | $26,233,750 | 2,803 |
| Average total loans | $181,543,000 | 2,414 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 2,597 |
| Cost of funding earning assets | 0.4034% | 1,862 |
| Net interest margin | 3.2041% | 2,742 |
| Noninterest income to average assets | 0.3686% | 3,267 |
| Noninterest expense to average assets | 2.0590% | 3,524 |
| Loan and lease loss provision to assets | 0.2872% | 308 |
| Net operating income to assets | 0.9323% | 3,125 |
| Return on assets (ROA) | 0.9323% | 3,204 |
| Pretax return on assets | 0.9323% | 3,594 |
| Return on Equity (ROE) | 10.0759% | 2,716 |
| Retained earnings to average equity (ytd only) | 10.0759% | 1,371 |
| Net charge-offs to loans | 0.0556% | 1,067 |
| Credit loss provision to net charge-offs | 779.1667% | 549 |
| Earnings coverage of net charge-offs (x) | 33.0833% | 1,259 |
| Efficiency ratio | 62.8016% | 2,615 |
| Assets per employee ($millions) | 9.1861% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 3,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 64.9098% | 1,840 |
| Net loans and leases to deposits | 78.0647% | 1,621 |
| Net loans and leases to core deposits | 78.8050% | 1,980 |
| Total domestic deposits to total assets | 83.1487% | 3,677 |
| Equity capital to assets | 10.2615% | 2,612 |
| Core capital (leverage) ratio | 11.3006% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,423,000 | 2,683 |
| Average earning assets | $236,509,667 | 2,711 |
| Average equity | $24,097,000 | 2,932 |
| Average total loans | $172,537,000 | 2,494 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3850% | 3,243 |
| Cost of funding earning assets | 0.4474% | 1,743 |
| Net interest margin | 2.9376% | 3,415 |
| Noninterest income to average assets | 0.2873% | 3,686 |
| Noninterest expense to average assets | 2.0734% | 3,500 |
| Loan and lease loss provision to assets | -0.0394% | 4,630 |
| Net operating income to assets | 1.0556% | 2,615 |
| Return on assets (ROA) | 1.0556% | 2,697 |
| Pretax return on assets | 1.0556% | 3,223 |
| Return on Equity (ROE) | 12.2107% | 1,940 |
| Retained earnings to average equity (ytd only) | 12.2107% | 1,099 |
| Net charge-offs to loans | -0.0197% | 3,990 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1095% | 2,055 |
| Assets per employee ($millions) | 9.0134% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 66.6902% | 1,704 |
| Net loans and leases to deposits | 80.1335% | 1,508 |
| Net loans and leases to core deposits | 81.0172% | 1,910 |
| Total domestic deposits to total assets | 83.2238% | 3,634 |
| Equity capital to assets | 9.0876% | 3,607 |
| Core capital (leverage) ratio | 9.6610% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,657,500 | 2,769 |
| Average earning assets | $232,438,000 | 2,726 |
| Average equity | $21,063,500 | 3,150 |
| Average total loans | $162,287,500 | 2,570 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 2,658 |
| Cost of funding earning assets | 0.9588% | 695 |
| Net interest margin | 3.0633% | 3,718 |
| Noninterest income to average assets | 0.1587% | 4,501 |
| Noninterest expense to average assets | 2.4782% | 2,914 |
| Loan and lease loss provision to assets | 0.5719% | 374 |
| Net operating income to assets | -0.0235% | 4,745 |
| Return on assets (ROA) | -0.0235% | 4,780 |
| Pretax return on assets | -0.0235% | 4,773 |
| Return on Equity (ROE) | -0.3005% | 4,785 |
| Retained earnings to average equity (ytd only) | -0.3005% | 4,566 |
| Net charge-offs to loans | 0.8595% | 160 |
| Credit loss provision to net charge-offs | 90.8281% | 2,928 |
| Earnings coverage of net charge-offs (x) | 0.8709% | 3,298 |
| Efficiency ratio | 81.8822% | 756 |
| Assets per employee ($millions) | 8.7014% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,776 |
| Loan loss allowance to noncurrent loans | 87.1513% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 1,045 |
| Noncurrent loans to loans | 1.4167% | 951 |
| Net loans and leases to total assets | 64.8973% | 2,243 |
| Net loans and leases to deposits | 79.8192% | 1,883 |
| Net loans and leases to core deposits | 80.8957% | 2,285 |
| Total domestic deposits to total assets | 81.3054% | 3,805 |
| Equity capital to assets | 8.1689% | 4,635 |
| Core capital (leverage) ratio | 9.0026% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,353,400 | 3,116 |
| Average earning assets | $166,977,400 | 3,099 |
| Average equity | $13,978,600 | 3,761 |
| Average total loans | $130,650,800 | 2,858 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 2,103 |
| Cost of funding earning assets | 1.1277% | 479 |
| Net interest margin | 3.1693% | 3,568 |
| Noninterest income to average assets | 0.1340% | 4,624 |
| Noninterest expense to average assets | 2.5650% | 2,648 |
| Loan and lease loss provision to assets | 1.0036% | 140 |
| Net operating income to assets | -0.4864% | 4,896 |
| Return on assets (ROA) | -0.4864% | 4,900 |
| Pretax return on assets | -0.4864% | 4,895 |
| Return on Equity (ROE) | -6.3008% | 4,932 |
| Retained earnings to average equity (ytd only) | -6.3008% | 4,875 |
| Net charge-offs to loans | 1.1770% | 112 |
| Credit loss provision to net charge-offs | 112.2616% | 2,535 |
| Earnings coverage of net charge-offs (x) | 0.5786% | 3,120 |
| Efficiency ratio | 83.2192% | 657 |
| Assets per employee ($millions) | 9.0623% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 1,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 2,830 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.3440% | 2,052 |
| Net loans and leases to deposits | 85.9857% | 1,710 |
| Net loans and leases to core deposits | 87.8707% | 2,160 |
| Total domestic deposits to total assets | 80.6460% | 3,743 |
| Equity capital to assets | 7.7042% | 4,804 |
| Core capital (leverage) ratio | 8.7036% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,207,000 | 3,225 |
| Average earning assets | $152,754,750 | 3,213 |
| Average equity | $12,675,250 | 3,902 |
| Average total loans | $124,719,750 | 2,934 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 1,823 |
| Cost of funding earning assets | 1.3213% | 328 |
| Net interest margin | 3.2107% | 3,640 |
| Noninterest income to average assets | 0.1351% | 4,627 |
| Noninterest expense to average assets | 2.7163% | 2,337 |
| Loan and lease loss provision to assets | 0.9541% | 226 |
| Net operating income to assets | -0.5633% | 4,922 |
| Return on assets (ROA) | -0.5633% | 4,921 |
| Pretax return on assets | -0.5633% | 4,906 |
| Return on Equity (ROE) | -7.2915% | 4,958 |
| Retained earnings to average equity (ytd only) | -7.2915% | 4,855 |
| Net charge-offs to loans | 0.0988% | 1,281 |
| Credit loss provision to net charge-offs | 1,229.3103% | 691 |
| Earnings coverage of net charge-offs (x) | 5.0345% | 2,546 |
| Efficiency ratio | 87.4246% | 482 |
| Assets per employee ($millions) | 7.8532% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 507 |
| Loan loss allowance to noncurrent loans | 150.6787% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 1,230 |
| Noncurrent loans to loans | 1.2765% | 1,219 |
| Net loans and leases to total assets | 75.2071% | 1,247 |
| Net loans and leases to deposits | 98.2540% | 640 |
| Net loans and leases to core deposits | 100.8740% | 1,195 |
| Total domestic deposits to total assets | 76.5435% | 4,372 |
| Equity capital to assets | 7.2161% | 4,936 |
| Core capital (leverage) ratio | 8.5119% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,465,333 | 3,366 |
| Average earning assets | $138,349,667 | 3,369 |
| Average equity | $11,547,667 | 4,039 |
| Average total loans | $117,400,000 | 3,012 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 998 |
| Cost of funding earning assets | 1.5563% | 218 |
| Net interest margin | 3.4297% | 3,213 |
| Noninterest income to average assets | 0.2002% | 4,354 |
| Noninterest expense to average assets | 3.1728% | 1,478 |
| Loan and lease loss provision to assets | 0.5676% | 497 |
| Net operating income to assets | -0.4392% | 4,918 |
| Return on assets (ROA) | -0.4392% | 4,892 |
| Pretax return on assets | -0.4392% | 4,874 |
| Return on Equity (ROE) | -5.4422% | 4,933 |
| Retained earnings to average equity (ytd only) | -5.4422% | 4,550 |
| Net charge-offs to loans | 0.0037% | 2,450 |
| Credit loss provision to net charge-offs | 19,000.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 992 |
| Efficiency ratio | 96.1086% | 324 |
| Assets per employee ($millions) | 6.1388% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 495 |
| Loan loss allowance to noncurrent loans | 156.5527% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 1,327 |
| Noncurrent loans to loans | 1.2828% | 1,274 |
| Net loans and leases to total assets | 75.9627% | 1,311 |
| Net loans and leases to deposits | 101.1239% | 486 |
| Net loans and leases to core deposits | 104.6513% | 1,143 |
| Total domestic deposits to total assets | 75.1185% | 4,577 |
| Equity capital to assets | 7.7051% | 5,015 |
| Core capital (leverage) ratio | 8.2360% | 4,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7664% | 3,165 |
| Memoranda: | ||
| Average total assets | $133,886,000 | 3,535 |
| Average earning assets | $121,058,500 | 3,567 |
| Average equity | $10,804,500 | 4,133 |
| Average total loans | $106,847,000 | 3,124 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 1,720 |
| Cost of funding earning assets | 1.6605% | 231 |
| Net interest margin | 3.2516% | 4,080 |
| Noninterest income to average assets | -0.0321% | 5,150 |
| Noninterest expense to average assets | 3.3614% | 1,178 |
| Loan and lease loss provision to assets | -0.0705% | 5,039 |
| Net operating income to assets | -0.2204% | 5,023 |
| Return on assets (ROA) | -0.2204% | 5,031 |
| Pretax return on assets | -0.2668% | 5,032 |
| Return on Equity (ROE) | -2.2802% | 5,040 |
| Retained earnings to average equity (ytd only) | -2.2802% | 4,883 |
| Net charge-offs to loans | 0.1756% | 1,151 |
| Credit loss provision to net charge-offs | -50.9677% | 4,167 |
| Earnings coverage of net charge-offs (x) | -2.4387% | 3,668 |
| Efficiency ratio | 111.1537% | 99 |
| Assets per employee ($millions) | 6.6621% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9272% | 525 |
| Loan loss allowance to noncurrent loans | 247.4138% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 1,979 |
| Noncurrent loans to loans | 0.7790% | 1,951 |
| Net loans and leases to total assets | 80.7662% | 698 |
| Net loans and leases to deposits | 100.6379% | 557 |
| Net loans and leases to core deposits | 105.7645% | 1,119 |
| Total domestic deposits to total assets | 80.2542% | 3,924 |
| Equity capital to assets | 8.4769% | 4,918 |
| Core capital (leverage) ratio | 8.7295% | 4,708 |
| Tier 1 risk-based capital ratio | 10.7677% | 4,939 |
| Total risk-based capital ratio | 12.0263% | 4,842 |
| Memoranda: | ||
| Average total assets | $112,065,000 | 3,802 |
| Average earning assets | $105,331,400 | 3,788 |
| Average equity | $10,832,600 | 4,146 |
| Average total loans | $88,265,400 | 3,444 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 1,968 |
| Cost of funding earning assets | 1.6352% | 261 |
| Net interest margin | 3.2153% | 4,265 |
| Noninterest income to average assets | 0.1881% | 4,592 |
| Noninterest expense to average assets | 3.3985% | 1,095 |
| Loan and lease loss provision to assets | 0.0553% | 2,804 |
| Net operating income to assets | -0.1894% | 5,103 |
| Return on assets (ROA) | -0.1894% | 5,110 |
| Pretax return on assets | -0.2533% | 5,112 |
| Return on Equity (ROE) | -1.8910% | 5,116 |
| Retained earnings to average equity (ytd only) | -1.8910% | 4,919 |
| Net charge-offs to loans | 0.2927% | 601 |
| Credit loss provision to net charge-offs | 24.3243% | 2,942 |
| Earnings coverage of net charge-offs (x) | -0.8703% | 3,393 |
| Efficiency ratio | 106.1852% | 117 |
| Assets per employee ($millions) | 6.2386% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2339% | 317 |
| Loan loss allowance to noncurrent loans | 259.1133% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 1,983 |
| Noncurrent loans to loans | 0.8621% | 1,861 |
| Net loans and leases to total assets | 77.6824% | 1,192 |
| Net loans and leases to deposits | 98.6554% | 754 |
| Net loans and leases to core deposits | 103.5328% | 1,369 |
| Total domestic deposits to total assets | 78.7411% | 4,226 |
| Equity capital to assets | 9.1172% | 4,719 |
| Core capital (leverage) ratio | 9.7636% | 3,893 |
| Tier 1 risk-based capital ratio | 11.4374% | 4,701 |
| Total risk-based capital ratio | 12.6986% | 4,594 |
| Memoranda: | ||
| Average total assets | $108,436,500 | 3,894 |
| Average earning assets | $101,596,500 | 3,885 |
| Average equity | $10,858,250 | 4,179 |
| Average total loans | $84,271,250 | 3,557 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9373% | 1,644 |
| Cost of funding earning assets | 1.5836% | 288 |
| Net interest margin | 3.3537% | 4,019 |
| Noninterest income to average assets | 0.2360% | 4,342 |
| Noninterest expense to average assets | 3.5557% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0723% | 5,122 |
| Return on assets (ROA) | -0.0723% | 5,128 |
| Pretax return on assets | -0.1713% | 5,139 |
| Return on Equity (ROE) | -0.6988% | 5,135 |
| Retained earnings to average equity (ytd only) | -0.6988% | 4,788 |
| Net charge-offs to loans | 0.4718% | 337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -0.4712% | 3,113 |
| Efficiency ratio | 105.0619% | 120 |
| Assets per employee ($millions) | 6.1318% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4761% | 227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 73.2613% | 2,012 |
| Net loans and leases to deposits | 93.9261% | 1,271 |
| Net loans and leases to core deposits | 96.8244% | 1,997 |
| Total domestic deposits to total assets | 77.9989% | 4,399 |
| Equity capital to assets | 9.8739% | 4,080 |
| Core capital (leverage) ratio | 10.3107% | 3,279 |
| Tier 1 risk-based capital ratio | 13.3532% | 3,659 |
| Total risk-based capital ratio | 14.6175% | 3,550 |
| Memoranda: | ||
| Average total assets | $105,070,670 | 3,979 |
| Average earning assets | $98,636,330 | 3,948 |
| Average equity | $10,875,330 | 4,190 |
| Average total loans | $80,967,000 | 3,640 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 1,424 |
| Cost of funding earning assets | 1.5146% | 312 |
| Net interest margin | 3.4505% | 3,746 |
| Noninterest income to average assets | 0.1445% | 4,872 |
| Noninterest expense to average assets | 3.5384% | 916 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0391% | 5,125 |
| Return on assets (ROA) | 0.0391% | 5,128 |
| Pretax return on assets | -0.1640% | 5,189 |
| Return on Equity (ROE) | 0.3683% | 5,127 |
| Retained earnings to average equity (ytd only) | 0.3683% | 4,463 |
| Net charge-offs to loans | 0.9851% | 142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -0.2132% | 2,683 |
| Efficiency ratio | 104.8611% | 133 |
| Assets per employee ($millions) | 5.5568% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5414% | 232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.3493% | 1,740 |
| Net loans and leases to deposits | 96.6569% | 914 |
| Net loans and leases to core deposits | 99.8690% | 1,634 |
| Total domestic deposits to total assets | 76.9208% | 4,660 |
| Equity capital to assets | 10.2984% | 3,524 |
| Core capital (leverage) ratio | 10.8622% | 2,709 |
| Tier 1 risk-based capital ratio | 14.2577% | 3,211 |
| Total risk-based capital ratio | 15.5246% | 3,134 |
| Memoranda: | ||
| Average total assets | $102,418,000 | 4,067 |
| Average earning assets | $95,869,500 | 4,046 |
| Average equity | $10,862,000 | 4,217 |
| Average total loans | $79,994,000 | 3,695 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 1,390 |
| Cost of funding earning assets | 1.0624% | 573 |
| Net interest margin | 3.7986% | 2,660 |
| Noninterest income to average assets | 0.0807% | 5,206 |
| Noninterest expense to average assets | 3.7887% | 694 |
| Loan and lease loss provision to assets | -1.8614% | 5,405 |
| Net operating income to assets | 1.7012% | 696 |
| Return on assets (ROA) | 1.7012% | 687 |
| Pretax return on assets | 1.7012% | 1,167 |
| Return on Equity (ROE) | 15.3998% | 742 |
| Retained earnings to average equity (ytd only) | 15.3998% | 99 |
| Net charge-offs to loans | -0.0093% | 4,471 |
| Credit loss provision to net charge-offs | 25,057.1429% | 16 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4165% | 109 |
| Assets per employee ($millions) | 5.2240% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8234% | 158 |
| Loan loss allowance to noncurrent loans | 162.5362% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.3903% | 884 |
| Noncurrent loans to loans | 1.7371% | 826 |
| Net loans and leases to total assets | 77.7787% | 1,307 |
| Net loans and leases to deposits | 122.7794% | 78 |
| Net loans and leases to core deposits | 128.2009% | 353 |
| Total domestic deposits to total assets | 63.3483% | 5,290 |
| Equity capital to assets | 10.9323% | 2,756 |
| Core capital (leverage) ratio | 11.6842% | 1,966 |
| Tier 1 risk-based capital ratio | 14.5863% | 3,026 |
| Total risk-based capital ratio | 15.8570% | 2,934 |
| Memoranda: | ||
| Average total assets | $94,228,200 | 4,197 |
| Average earning assets | $88,006,200 | 4,183 |
| Average equity | $10,409,200 | 4,247 |
| Average total loans | $75,180,400 | 3,768 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 1,302 |
| Cost of funding earning assets | 0.9828% | 635 |
| Net interest margin | 3.8669% | 2,413 |
| Noninterest income to average assets | 0.0846% | 5,262 |
| Noninterest expense to average assets | 3.8104% | 664 |
| Loan and lease loss provision to assets | -3.0116% | 5,476 |
| Net operating income to assets | 2.8969% | 88 |
| Return on assets (ROA) | 2.8969% | 87 |
| Pretax return on assets | 2.8969% | 125 |
| Return on Equity (ROE) | 26.1514% | 67 |
| Retained earnings to average equity (ytd only) | 26.1514% | 18 |
| Net charge-offs to loans | -0.0252% | 4,692 |
| Credit loss provision to net charge-offs | 15,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1044% | 117 |
| Assets per employee ($millions) | 5.3901% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4362% | 261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 78.6335% | 1,229 |
| Net loans and leases to deposits | 129.7113% | 46 |
| Net loans and leases to core deposits | 134.3909% | 264 |
| Total domestic deposits to total assets | 60.6219% | 5,387 |
| Equity capital to assets | 11.5903% | 2,189 |
| Core capital (leverage) ratio | 12.4980% | 1,502 |
| Tier 1 risk-based capital ratio | 14.8400% | 2,952 |
| Total risk-based capital ratio | 16.1068% | 2,862 |
| Memoranda: | ||
| Average total assets | $92,971,250 | 4,265 |
| Average earning assets | $86,820,750 | 4,253 |
| Average equity | $10,298,750 | 4,309 |
| Average total loans | $74,114,750 | 3,825 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 1,293 |
| Cost of funding earning assets | 0.9197% | 679 |
| Net interest margin | 3.8652% | 2,330 |
| Noninterest income to average assets | 0.1004% | 5,272 |
| Noninterest expense to average assets | 3.7502% | 713 |
| Loan and lease loss provision to assets | -4.5841% | 5,542 |
| Net operating income to assets | 4.5579% | 40 |
| Return on assets (ROA) | 4.5579% | 40 |
| Pretax return on assets | 4.5579% | 49 |
| Return on Equity (ROE) | 41.8297% | 15 |
| Retained earnings to average equity (ytd only) | 41.8297% | 4 |
| Net charge-offs to loans | -0.0220% | 4,604 |
| Credit loss provision to net charge-offs | 26,250.0000% | 14 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7034% | 161 |
| Assets per employee ($millions) | 5.0320% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6028% | 223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.4535% | 1,247 |
| Net loans and leases to deposits | 136.0208% | 27 |
| Net loans and leases to core deposits | 141.5481% | 181 |
| Total domestic deposits to total assets | 57.6775% | 5,466 |
| Equity capital to assets | 12.5022% | 1,529 |
| Core capital (leverage) ratio | 13.0537% | 1,200 |
| Tier 1 risk-based capital ratio | 15.9984% | 2,439 |
| Total risk-based capital ratio | 17.2655% | 2,371 |
| Memoranda: | ||
| Average total assets | $91,621,330 | 4,327 |
| Average earning assets | $85,895,330 | 4,299 |
| Average equity | $9,983,330 | 4,382 |
| Average total loans | $72,754,330 | 3,876 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 1,268 |
| Cost of funding earning assets | 0.8964% | 602 |
| Net interest margin | 3.8213% | 2,332 |
| Noninterest income to average assets | 0.0260% | 5,521 |
| Noninterest expense to average assets | 3.5336% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0825% | 5,339 |
| Return on assets (ROA) | 0.0825% | 5,334 |
| Pretax return on assets | 0.0825% | 5,342 |
| Return on Equity (ROE) | 0.8161% | 5,323 |
| Retained earnings to average equity (ytd only) | 0.8161% | 4,664 |
| Net charge-offs to loans | -0.0110% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7191% | 214 |
| Assets per employee ($millions) | 4.9236% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4629% | 30 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 77.9699% | 1,244 |
| Net loans and leases to deposits | 125.2492% | 64 |
| Net loans and leases to core deposits | 129.0527% | 359 |
| Total domestic deposits to total assets | 62.2518% | 5,507 |
| Equity capital to assets | 10.4926% | 3,084 |
| Core capital (leverage) ratio | 10.6183% | 2,827 |
| Tier 1 risk-based capital ratio | 13.4349% | 3,699 |
| Total risk-based capital ratio | 14.7383% | 3,573 |
| Memoranda: | ||
| Average total assets | $92,144,000 | 4,368 |
| Average earning assets | $86,568,500 | 4,333 |
| Average equity | $9,313,000 | 4,534 |
| Average total loans | $72,652,000 | 3,919 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 1,695 |
| Cost of funding earning assets | 0.9240% | 332 |
| Net interest margin | 3.5799% | 3,239 |
| Noninterest income to average assets | 0.0199% | 5,583 |
| Noninterest expense to average assets | 3.3557% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0614% | 5,292 |
| Return on assets (ROA) | 0.0713% | 5,290 |
| Pretax return on assets | 0.0713% | 5,395 |
| Return on Equity (ROE) | 0.8500% | 5,253 |
| Retained earnings to average equity (ytd only) | 0.8500% | 4,692 |
| Net charge-offs to loans | -0.1003% | 5,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2030% | 201 |
| Assets per employee ($millions) | 5.6273% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5269% | 27 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.3121% | 2,337 |
| Net loans and leases to deposits | 104.3965% | 476 |
| Net loans and leases to core deposits | 128.0405% | 385 |
| Total domestic deposits to total assets | 68.3089% | 5,461 |
| Equity capital to assets | 9.7497% | 3,969 |
| Core capital (leverage) ratio | 8.8949% | 4,762 |
| Tier 1 risk-based capital ratio | 13.7783% | 3,481 |
| Total risk-based capital ratio | 15.0832% | 3,366 |
| Memoranda: | ||
| Average total assets | $110,737,800 | 4,047 |
| Average earning assets | $105,087,600 | 4,002 |
| Average equity | $9,294,600 | 4,564 |
| Average total loans | $75,764,000 | 3,824 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,346 |
| Cost of funding earning assets | 0.9004% | 342 |
| Net interest margin | 3.3726% | 3,939 |
| Noninterest income to average assets | 0.0175% | 5,655 |
| Noninterest expense to average assets | 3.1974% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0256% | 5,497 |
| Return on assets (ROA) | 0.0338% | 5,497 |
| Pretax return on assets | 0.0338% | 5,496 |
| Return on Equity (ROE) | 0.4164% | 5,488 |
| Retained earnings to average equity (ytd only) | 0.4164% | 5,126 |
| Net charge-offs to loans | 0.0191% | 3,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.9993% | 3,515 |
| Efficiency ratio | 99.2052% | 189 |
| Assets per employee ($millions) | 7.2192% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3408% | 31 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.8981% | 3,417 |
| Net loans and leases to deposits | 88.7433% | 1,960 |
| Net loans and leases to core deposits | 129.1053% | 356 |
| Total domestic deposits to total assets | 72.0034% | 5,378 |
| Equity capital to assets | 8.6187% | 5,212 |
| Core capital (leverage) ratio | 8.6451% | 5,115 |
| Tier 1 risk-based capital ratio | 13.1197% | 3,927 |
| Total risk-based capital ratio | 14.4211% | 3,806 |
| Memoranda: | ||
| Average total assets | $114,506,250 | 4,023 |
| Average earning assets | $108,835,000 | 3,982 |
| Average equity | $9,286,500 | 4,615 |
| Average total loans | $76,652,250 | 3,848 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 2,568 |
| Cost of funding earning assets | 0.8767% | 354 |
| Net interest margin | 3.2976% | 4,113 |
| Noninterest income to average assets | 0.0172% | 5,704 |
| Noninterest expense to average assets | 3.1704% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0172% | 5,558 |
| Return on assets (ROA) | -0.0172% | 5,559 |
| Pretax return on assets | -0.0172% | 5,554 |
| Return on Equity (ROE) | -0.2157% | 5,562 |
| Retained earnings to average equity (ytd only) | -0.2157% | 5,108 |
| Net charge-offs to loans | 0.0514% | 2,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 3,425 |
| Efficiency ratio | 100.5441% | 181 |
| Assets per employee ($millions) | 7.0346% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3246% | 33 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 61.5314% | 3,685 |
| Net loans and leases to deposits | 84.0730% | 2,467 |
| Net loans and leases to core deposits | 130.1878% | 305 |
| Total domestic deposits to total assets | 73.1880% | 5,371 |
| Equity capital to assets | 8.2449% | 5,422 |
| Core capital (leverage) ratio | 8.2744% | 5,372 |
| Tier 1 risk-based capital ratio | 13.1362% | 3,921 |
| Total risk-based capital ratio | 14.4376% | 3,790 |
| Memoranda: | ||
| Average total assets | $116,579,000 | 4,015 |
| Average earning assets | $110,867,000 | 3,965 |
| Average equity | $9,271,000 | 4,631 |
| Average total loans | $77,837,000 | 3,839 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 2,128 |
| Cost of funding earning assets | 0.8015% | 484 |
| Net interest margin | 3.4401% | 3,483 |
| Noninterest income to average assets | 0.0169% | 5,783 |
| Noninterest expense to average assets | 3.2043% | 1,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0843% | 5,537 |
| Return on assets (ROA) | 0.0843% | 5,542 |
| Pretax return on assets | 0.0843% | 5,535 |
| Return on Equity (ROE) | 1.0792% | 5,478 |
| Retained earnings to average equity (ytd only) | 1.0792% | 4,623 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4359% | 283 |
| Assets per employee ($millions) | 6.1926% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9279% | 49 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 64.1943% | 3,247 |
| Net loans and leases to deposits | 86.3113% | 2,002 |
| Net loans and leases to core deposits | 136.9506% | 193 |
| Total domestic deposits to total assets | 74.3753% | 5,386 |
| Equity capital to assets | 7.8931% | 5,569 |
| Core capital (leverage) ratio | 8.1775% | 5,469 |
| Tier 1 risk-based capital ratio | 12.2824% | 4,517 |
| Total risk-based capital ratio | 13.5798% | 4,396 |
| Memoranda: | ||
| Average total assets | $118,591,500 | 4,021 |
| Average earning assets | $112,786,000 | 3,968 |
| Average equity | $9,266,500 | 4,664 |
| Average total loans | $80,180,000 | 3,809 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 2,820 |
| Cost of funding earning assets | 0.7634% | 598 |
| Net interest margin | 3.3440% | 4,014 |
| Noninterest income to average assets | 0.1723% | 5,357 |
| Noninterest expense to average assets | 2.9165% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3947% | 4,960 |
| Return on assets (ROA) | 0.2443% | 5,403 |
| Pretax return on assets | 0.2443% | 5,437 |
| Return on Equity (ROE) | 3.2608% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.2608% | 3,590 |
| Net charge-offs to loans | -1.9191% | 5,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0801% | 674 |
| Assets per employee ($millions) | 7.4702% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8385% | 46 |
| Loan loss allowance to noncurrent loans | 1,044.0000% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 4,019 |
| Noncurrent loans to loans | 0.4635% | 3,499 |
| Net loans and leases to total assets | 64.4219% | 3,303 |
| Net loans and leases to deposits | 89.0069% | 1,802 |
| Net loans and leases to core deposits | 89.9069% | 2,507 |
| Total domestic deposits to total assets | 72.3785% | 5,533 |
| Equity capital to assets | 7.7357% | 5,654 |
| Core capital (leverage) ratio | 8.0593% | 5,585 |
| Tier 1 risk-based capital ratio | 11.7742% | 4,877 |
| Total risk-based capital ratio | 13.0684% | 4,746 |
| Memoranda: | ||
| Average total assets | $123,640,600 | 3,931 |
| Average earning assets | $116,057,400 | 3,896 |
| Average equity | $9,261,400 | 4,696 |
| Average total loans | $84,466,800 | 3,700 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 2,603 |
| Cost of funding earning assets | 0.7658% | 595 |
| Net interest margin | 3.4061% | 3,819 |
| Noninterest income to average assets | 0.0321% | 5,877 |
| Noninterest expense to average assets | 2.9849% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2342% | 5,412 |
| Return on assets (ROA) | 0.2855% | 5,396 |
| Pretax return on assets | 0.2855% | 5,472 |
| Return on Equity (ROE) | 3.8422% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.8422% | 3,572 |
| Net charge-offs to loans | -2.9273% | 5,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7243% | 438 |
| Assets per employee ($millions) | 7.5961% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8760% | 43 |
| Loan loss allowance to noncurrent loans | 278.4903% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 3.2163% | 340 |
| Noncurrent loans to loans | 1.7509% | 1,188 |
| Net loans and leases to total assets | 66.9195% | 2,969 |
| Net loans and leases to deposits | 89.0110% | 1,886 |
| Net loans and leases to core deposits | 90.2686% | 2,553 |
| Total domestic deposits to total assets | 75.1812% | 5,320 |
| Equity capital to assets | 7.7079% | 5,807 |
| Core capital (leverage) ratio | 7.7764% | 5,769 |
| Tier 1 risk-based capital ratio | 11.0747% | 5,336 |
| Total risk-based capital ratio | 12.3697% | 5,215 |
| Memoranda: | ||
| Average total assets | $124,670,000 | 3,937 |
| Average earning assets | $116,648,750 | 3,912 |
| Average equity | $9,265,250 | 4,752 |
| Average total loans | $85,355,000 | 3,701 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 2,882 |
| Cost of funding earning assets | 0.7563% | 607 |
| Net interest margin | 3.3379% | 4,095 |
| Noninterest income to average assets | 0.0223% | 5,968 |
| Noninterest expense to average assets | 3.0020% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1448% | 5,620 |
| Return on assets (ROA) | 0.2164% | 5,553 |
| Pretax return on assets | 0.2164% | 5,602 |
| Return on Equity (ROE) | 2.9466% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.9466% | 4,041 |
| Net charge-offs to loans | -4.5600% | 6,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3994% | 367 |
| Assets per employee ($millions) | 7.2616% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0687% | 44 |
| Loan loss allowance to noncurrent loans | 196.8431% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 3.6987% | 271 |
| Noncurrent loans to loans | 2.5750% | 658 |
| Net loans and leases to total assets | 64.3267% | 3,316 |
| Net loans and leases to deposits | 85.2359% | 2,331 |
| Net loans and leases to core deposits | 87.0342% | 2,812 |
| Total domestic deposits to total assets | 75.4690% | 5,355 |
| Equity capital to assets | 7.6226% | 5,894 |
| Core capital (leverage) ratio | 7.5363% | 5,876 |
| Tier 1 risk-based capital ratio | 10.8406% | 5,507 |
| Total risk-based capital ratio | 12.1358% | 5,407 |
| Memoranda: | ||
| Average total assets | $125,714,330 | 3,947 |
| Average earning assets | $117,678,670 | 3,921 |
| Average equity | $9,231,000 | 4,794 |
| Average total loans | $85,306,330 | 3,710 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,275 |
| Cost of funding earning assets | 0.7077% | 781 |
| Net interest margin | 3.2754% | 4,317 |
| Noninterest income to average assets | 0.0221% | 6,034 |
| Noninterest expense to average assets | 3.0399% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0473% | 5,745 |
| Return on assets (ROA) | 0.1356% | 5,680 |
| Pretax return on assets | 0.1356% | 5,703 |
| Return on Equity (ROE) | 1.8815% | 5,523 |
| Retained earnings to average equity (ytd only) | 1.8815% | 4,508 |
| Net charge-offs to loans | -8.2894% | 6,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4678% | 331 |
| Assets per employee ($millions) | 7.0216% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6681% | 61 |
| Loan loss allowance to noncurrent loans | 128.3826% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 4.4229% | 204 |
| Noncurrent loans to loans | 3.6361% | 362 |
| Net loans and leases to total assets | 65.9242% | 2,963 |
| Net loans and leases to deposits | 89.4597% | 1,643 |
| Net loans and leases to core deposits | 90.9489% | 2,288 |
| Total domestic deposits to total assets | 73.6915% | 5,643 |
| Equity capital to assets | 7.3171% | 5,978 |
| Core capital (leverage) ratio | 7.6015% | 5,905 |
| Tier 1 risk-based capital ratio | 10.2741% | 5,841 |
| Total risk-based capital ratio | 11.5645% | 5,750 |
| Memoranda: | ||
| Average total assets | $126,847,500 | 3,963 |
| Average earning assets | $118,701,500 | 3,932 |
| Average equity | $9,141,500 | 4,831 |
| Average total loans | $86,134,500 | 3,700 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,491 |
| Cost of funding earning assets | 0.6580% | 1,027 |
| Net interest margin | 3.5626% | 3,274 |
| Noninterest income to average assets | 0.0379% | 6,034 |
| Noninterest expense to average assets | 2.9994% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3905% | 5,082 |
| Return on assets (ROA) | 0.4380% | 5,007 |
| Pretax return on assets | 0.1850% | 5,700 |
| Return on Equity (ROE) | 6.2098% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.2098% | 1,695 |
| Net charge-offs to loans | -0.0355% | 5,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6149% | 417 |
| Assets per employee ($millions) | 7.4899% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6783% | 326 |
| Loan loss allowance to noncurrent loans | 54.0676% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 6.4660% | 121 |
| Noncurrent loans to loans | 4.9536% | 195 |
| Net loans and leases to total assets | 64.8679% | 3,143 |
| Net loans and leases to deposits | 84.3099% | 2,327 |
| Net loans and leases to core deposits | 85.8647% | 2,809 |
| Total domestic deposits to total assets | 76.9399% | 5,324 |
| Equity capital to assets | 7.1131% | 6,040 |
| Core capital (leverage) ratio | 7.6056% | 5,952 |
| Tier 1 risk-based capital ratio | 10.0516% | 5,943 |
| Total risk-based capital ratio | 11.3164% | 5,872 |
| Memoranda: | ||
| Average total assets | $126,492,600 | 3,954 |
| Average earning assets | $110,030,600 | 4,065 |
| Average equity | $8,921,400 | 4,870 |
| Average total loans | $81,701,800 | 3,779 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,529 |
| Cost of funding earning assets | 0.6595% | 1,036 |
| Net interest margin | 3.5542% | 3,325 |
| Noninterest income to average assets | -0.0211% | 6,212 |
| Noninterest expense to average assets | 2.9911% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3643% | 5,279 |
| Return on assets (ROA) | 0.4276% | 5,143 |
| Pretax return on assets | 0.0897% | 5,901 |
| Return on Equity (ROE) | 6.0758% | 4,118 |
| Retained earnings to average equity (ytd only) | 6.0758% | 2,199 |
| Net charge-offs to loans | 0.4235% | 604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.0973% | 3,983 |
| Efficiency ratio | 99.1253% | 320 |
| Assets per employee ($millions) | 6.6343% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5140% | 426 |
| Loan loss allowance to noncurrent loans | 34.1409% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 8.2149% | 76 |
| Noncurrent loans to loans | 7.3637% | 84 |
| Net loans and leases to total assets | 64.5210% | 3,225 |
| Net loans and leases to deposits | 82.1199% | 2,635 |
| Net loans and leases to core deposits | 83.9268% | 3,050 |
| Total domestic deposits to total assets | 78.5692% | 5,076 |
| Equity capital to assets | 7.6304% | 6,050 |
| Core capital (leverage) ratio | 7.2598% | 6,095 |
| Tier 1 risk-based capital ratio | 10.0970% | 6,012 |
| Total risk-based capital ratio | 11.3601% | 5,959 |
| Memoranda: | ||
| Average total assets | $126,283,750 | 4,004 |
| Average earning assets | $107,963,750 | 4,146 |
| Average equity | $8,887,500 | 4,938 |
| Average total loans | $80,910,250 | 3,830 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 3,038 |
| Cost of funding earning assets | 0.6469% | 1,126 |
| Net interest margin | 3.4157% | 3,852 |
| Noninterest income to average assets | 0.2256% | 5,352 |
| Noninterest expense to average assets | 2.7860% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3391% | 5,331 |
| Return on assets (ROA) | 0.3889% | 5,278 |
| Pretax return on assets | 0.3889% | 5,488 |
| Return on Equity (ROE) | 5.6736% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.6736% | 2,423 |
| Net charge-offs to loans | 0.1594% | 1,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.3538% | 3,205 |
| Efficiency ratio | 89.1488% | 816 |
| Assets per employee ($millions) | 8.2793% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5685% | 450 |
| Loan loss allowance to noncurrent loans | 33.7463% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 8.0977% | 89 |
| Noncurrent loans to loans | 7.6111% | 95 |
| Net loans and leases to total assets | 62.3980% | 3,492 |
| Net loans and leases to deposits | 82.5441% | 2,490 |
| Net loans and leases to core deposits | 84.2400% | 2,961 |
| Total domestic deposits to total assets | 75.5935% | 5,646 |
| Equity capital to assets | 6.6695% | 6,233 |
| Core capital (leverage) ratio | 6.8920% | 6,204 |
| Tier 1 risk-based capital ratio | 9.0879% | 6,248 |
| Total risk-based capital ratio | 10.3496% | 6,222 |
| Memoranda: | ||
| Average total assets | $128,572,670 | 3,990 |
| Average earning assets | $109,144,000 | 4,168 |
| Average equity | $8,812,670 | 4,985 |
| Average total loans | $81,535,000 | 3,837 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 3,260 |
| Cost of funding earning assets | 0.6379% | 1,191 |
| Net interest margin | 3.3526% | 4,013 |
| Noninterest income to average assets | 0.1927% | 5,554 |
| Noninterest expense to average assets | 2.8115% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2369% | 5,597 |
| Return on assets (ROA) | 0.3380% | 5,399 |
| Pretax return on assets | 0.3380% | 5,561 |
| Return on Equity (ROE) | 4.8628% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.8628% | 3,135 |
| Net charge-offs to loans | -0.0150% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2280% | 695 |
| Assets per employee ($millions) | 7.1611% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7517% | 385 |
| Loan loss allowance to noncurrent loans | 41.2780% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 7.8697% | 104 |
| Noncurrent loans to loans | 6.6663% | 143 |
| Net loans and leases to total assets | 61.6351% | 3,428 |
| Net loans and leases to deposits | 86.0254% | 1,828 |
| Net loans and leases to core deposits | 87.6976% | 2,360 |
| Total domestic deposits to total assets | 71.6476% | 6,051 |
| Equity capital to assets | 6.9201% | 6,267 |
| Core capital (leverage) ratio | 6.9245% | 6,242 |
| Tier 1 risk-based capital ratio | 9.1406% | 6,310 |
| Total risk-based capital ratio | 10.4044% | 6,293 |
| Memoranda: | ||
| Average total assets | $126,624,500 | 4,052 |
| Average earning assets | $107,855,000 | 4,218 |
| Average equity | $8,801,500 | 5,034 |
| Average total loans | $79,884,000 | 3,894 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2102% | 513 |
| Cost of funding earning assets | 0.6919% | 1,144 |
| Net interest margin | 4.5183% | 721 |
| Noninterest income to average assets | 1.1142% | 982 |
| Noninterest expense to average assets | 3.1969% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 5.4994% | 37 |
| Return on assets (ROA) | 5.5868% | 36 |
| Pretax return on assets | 1.8542% | 707 |
| Return on Equity (ROE) | 86.3440% | 6 |
| Retained earnings to average equity (ytd only) | 86.3440% | 1 |
| Net charge-offs to loans | -0.0422% | 5,876 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4046% | 4,530 |
| Assets per employee ($millions) | 7.6016% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8742% | 342 |
| Loan loss allowance to noncurrent loans | 51.9805% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 7.1874% | 139 |
| Noncurrent loans to loans | 5.5294% | 235 |
| Net loans and leases to total assets | 58.6789% | 3,968 |
| Net loans and leases to deposits | 82.2931% | 2,436 |
| Net loans and leases to core deposits | 83.6595% | 2,935 |
| Total domestic deposits to total assets | 71.3048% | 6,126 |
| Equity capital to assets | 10.5388% | 3,428 |
| Core capital (leverage) ratio | 7.6692% | 6,141 |
| Tier 1 risk-based capital ratio | 9.4925% | 6,351 |
| Total risk-based capital ratio | 10.7561% | 6,327 |
| Memoranda: | ||
| Average total assets | $128,249,400 | 4,008 |
| Average earning assets | $109,266,000 | 4,198 |
| Average equity | $8,298,200 | 5,128 |
| Average total loans | $78,187,000 | 3,929 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2778% | 453 |
| Cost of funding earning assets | 0.7045% | 1,130 |
| Net interest margin | 4.5733% | 652 |
| Noninterest income to average assets | 1.4822% | 576 |
| Noninterest expense to average assets | 3.2040% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2134% | 231 |
| Return on assets (ROA) | 2.2124% | 238 |
| Pretax return on assets | 2.2124% | 359 |
| Return on Equity (ROE) | 40.6419% | 28 |
| Retained earnings to average equity (ytd only) | 40.6419% | 14 |
| Net charge-offs to loans | -0.0511% | 5,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1425% | 5,296 |
| Assets per employee ($millions) | 6.4548% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8746% | 407 |
| Loan loss allowance to noncurrent loans | 51.1527% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 7.6246% | 143 |
| Noncurrent loans to loans | 5.6195% | 278 |
| Net loans and leases to total assets | 61.7399% | 3,528 |
| Net loans and leases to deposits | 83.8852% | 2,168 |
| Net loans and leases to core deposits | 84.6846% | 2,813 |
| Total domestic deposits to total assets | 73.6004% | 6,047 |
| Equity capital to assets | 7.0808% | 6,370 |
| Core capital (leverage) ratio | 6.6507% | 6,425 |
| Tier 1 risk-based capital ratio | 9.1957% | 6,463 |
| Total risk-based capital ratio | 10.4603% | 6,454 |
| Memoranda: | ||
| Average total assets | $128,005,000 | 4,046 |
| Average earning assets | $110,145,000 | 4,216 |
| Average equity | $6,968,000 | 5,469 |
| Average total loans | $78,215,500 | 3,956 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6229% | 254 |
| Cost of funding earning assets | 0.7274% | 1,034 |
| Net interest margin | 4.8955% | 347 |
| Noninterest income to average assets | 2.1465% | 313 |
| Noninterest expense to average assets | 3.2174% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 3.1188% | 88 |
| Return on assets (ROA) | 3.1188% | 90 |
| Pretax return on assets | 3.1188% | 106 |
| Return on Equity (ROE) | 63.2896% | 15 |
| Retained earnings to average equity (ytd only) | 63.2896% | 8 |
| Net charge-offs to loans | -0.0690% | 6,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7782% | 6,136 |
| Assets per employee ($millions) | 7.1204% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0329% | 369 |
| Loan loss allowance to noncurrent loans | 48.3265% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 7.3489% | 164 |
| Noncurrent loans to loans | 6.2758% | 239 |
| Net loans and leases to total assets | 55.8275% | 4,312 |
| Net loans and leases to deposits | 73.8863% | 3,331 |
| Net loans and leases to core deposits | 74.7399% | 3,755 |
| Total domestic deposits to total assets | 75.5586% | 5,961 |
| Equity capital to assets | 5.9929% | 6,530 |
| Core capital (leverage) ratio | 5.6941% | 6,554 |
| Tier 1 risk-based capital ratio | 8.2079% | 6,562 |
| Total risk-based capital ratio | 9.4734% | 6,564 |
| Memoranda: | ||
| Average total assets | $129,792,670 | 4,038 |
| Average earning assets | $111,081,000 | 4,216 |
| Average equity | $6,396,000 | 5,634 |
| Average total loans | $78,300,670 | 3,965 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 2,044 |
| Cost of funding earning assets | 0.7374% | 1,033 |
| Net interest margin | 3.6872% | 2,918 |
| Noninterest income to average assets | 1.6814% | 441 |
| Noninterest expense to average assets | 3.0075% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8437% | 445 |
| Return on assets (ROA) | 1.8437% | 469 |
| Pretax return on assets | 1.8437% | 740 |
| Return on Equity (ROE) | 41.8528% | 30 |
| Retained earnings to average equity (ytd only) | 41.8528% | 18 |
| Net charge-offs to loans | -0.0199% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9949% | 5,119 |
| Assets per employee ($millions) | 6.6304% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7809% | 559 |
| Loan loss allowance to noncurrent loans | 27.2548% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 11.7045% | 80 |
| Noncurrent loans to loans | 10.2034% | 95 |
| Net loans and leases to total assets | 58.3944% | 3,785 |
| Net loans and leases to deposits | 75.4036% | 2,883 |
| Net loans and leases to core deposits | 76.4956% | 3,362 |
| Total domestic deposits to total assets | 77.4424% | 5,908 |
| Equity capital to assets | 4.6166% | 6,657 |
| Core capital (leverage) ratio | 4.6234% | 6,657 |
| Tier 1 risk-based capital ratio | 6.0929% | 6,677 |
| Total risk-based capital ratio | 7.3556% | 6,676 |
| Memoranda: | ||
| Average total assets | $130,605,000 | 4,055 |
| Average earning assets | $112,281,500 | 4,207 |
| Average equity | $5,753,500 | 5,807 |
| Average total loans | $80,555,500 | 3,916 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6102% | 1,836 |
| Cost of funding earning assets | 1.5289% | 47 |
| Net interest margin | 3.0813% | 5,368 |
| Noninterest income to average assets | -0.7740% | 6,801 |
| Noninterest expense to average assets | 4.9431% | 362 |
| Loan and lease loss provision to assets | 1.6328% | 76 |
| Net operating income to assets | -4.7013% | 6,796 |
| Return on assets (ROA) | -4.9856% | 6,799 |
| Pretax return on assets | -4.9856% | 6,796 |
| Return on Equity (ROE) | -77.1525% | 6,795 |
| Retained earnings to average equity (ytd only) | -77.1525% | 6,795 |
| Net charge-offs to loans | 2.8397% | 89 |
| Credit loss provision to net charge-offs | 89.8444% | 2,758 |
| Earnings coverage of net charge-offs (x) | -1.6884% | 5,309 |
| Efficiency ratio | 263.6761% | 13 |
| Assets per employee ($millions) | 6.4302% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7142% | 656 |
| Loan loss allowance to noncurrent loans | 25.0766% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 12.7299% | 66 |
| Noncurrent loans to loans | 10.8236% | 94 |
| Net loans and leases to total assets | 61.6238% | 3,420 |
| Net loans and leases to deposits | 79.7380% | 2,490 |
| Net loans and leases to core deposits | 80.9285% | 3,019 |
| Total domestic deposits to total assets | 77.2828% | 5,934 |
| Equity capital to assets | 4.1873% | 6,739 |
| Core capital (leverage) ratio | 4.2147% | 6,742 |
| Tier 1 risk-based capital ratio | 5.2893% | 6,765 |
| Total risk-based capital ratio | 6.5509% | 6,765 |
| Memoranda: | ||
| Average total assets | $134,367,800 | 3,989 |
| Average earning assets | $115,505,000 | 4,146 |
| Average equity | $8,682,800 | 5,168 |
| Average total loans | $85,994,000 | 3,778 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 2,534 |
| Cost of funding earning assets | 1.6111% | 37 |
| Net interest margin | 2.8074% | 6,005 |
| Noninterest income to average assets | -0.7559% | 6,877 |
| Noninterest expense to average assets | 3.4734% | 1,665 |
| Loan and lease loss provision to assets | 2.1540% | 34 |
| Net operating income to assets | -3.9712% | 6,871 |
| Return on assets (ROA) | -4.3462% | 6,876 |
| Pretax return on assets | -4.3462% | 6,873 |
| Return on Equity (ROE) | -62.0844% | 6,868 |
| Retained earnings to average equity (ytd only) | -62.0844% | 6,865 |
| Net charge-offs to loans | 2.6459% | 110 |
| Credit loss provision to net charge-offs | 126.8942% | 1,856 |
| Earnings coverage of net charge-offs (x) | -1.0706% | 5,023 |
| Efficiency ratio | 209.7214% | 28 |
| Assets per employee ($millions) | 6.7171% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4394% | 354 |
| Loan loss allowance to noncurrent loans | 19.7062% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 17.7647% | 28 |
| Noncurrent loans to loans | 17.4536% | 31 |
| Net loans and leases to total assets | 64.3218% | 2,946 |
| Net loans and leases to deposits | 82.9879% | 2,001 |
| Net loans and leases to core deposits | 84.2294% | 2,628 |
| Total domestic deposits to total assets | 77.5074% | 5,973 |
| Equity capital to assets | 6.0365% | 6,691 |
| Core capital (leverage) ratio | 5.8660% | 6,728 |
| Tier 1 risk-based capital ratio | 7.3504% | 6,787 |
| Total risk-based capital ratio | 8.6170% | 6,785 |
| Memoranda: | ||
| Average total assets | $135,809,000 | 3,995 |
| Average earning assets | $116,688,750 | 4,155 |
| Average equity | $9,507,250 | 5,033 |
| Average total loans | $87,127,250 | 3,786 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,846 |
| Cost of funding earning assets | 1.7077% | 29 |
| Net interest margin | 2.6187% | 6,314 |
| Noninterest income to average assets | -1.1390% | 6,930 |
| Noninterest expense to average assets | 3.5629% | 1,477 |
| Loan and lease loss provision to assets | 3.1674% | 17 |
| Net operating income to assets | -5.6201% | 6,923 |
| Return on assets (ROA) | -6.1298% | 6,926 |
| Pretax return on assets | -6.1298% | 6,927 |
| Return on Equity (ROE) | -84.0099% | 6,924 |
| Retained earnings to average equity (ytd only) | -84.0099% | 6,921 |
| Net charge-offs to loans | 4.7045% | 37 |
| Credit loss provision to net charge-offs | 106.1955% | 2,084 |
| Earnings coverage of net charge-offs (x) | -0.8224% | 4,697 |
| Efficiency ratio | 320.9363% | 8 |
| Assets per employee ($millions) | 6.4800% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9662% | 603 |
| Loan loss allowance to noncurrent loans | 19.2099% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 15.6533% | 52 |
| Noncurrent loans to loans | 15.4412% | 46 |
| Net loans and leases to total assets | 62.1899% | 3,256 |
| Net loans and leases to deposits | 85.2658% | 1,648 |
| Net loans and leases to core deposits | 86.7570% | 2,254 |
| Total domestic deposits to total assets | 72.9365% | 6,506 |
| Equity capital to assets | 5.8194% | 6,755 |
| Core capital (leverage) ratio | 5.7009% | 6,777 |
| Tier 1 risk-based capital ratio | 7.0957% | 6,842 |
| Total risk-based capital ratio | 8.3591% | 6,841 |
| Memoranda: | ||
| Average total assets | $138,537,330 | 3,980 |
| Average earning assets | $118,989,330 | 4,140 |
| Average equity | $10,108,330 | 4,914 |
| Average total loans | $87,831,670 | 3,774 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 2,567 |
| Cost of funding earning assets | 1.7705% | 26 |
| Net interest margin | 2.6171% | 6,348 |
| Noninterest income to average assets | -0.4064% | 6,979 |
| Noninterest expense to average assets | 3.3084% | 2,068 |
| Loan and lease loss provision to assets | 3.9266% | 17 |
| Net operating income to assets | -5.4119% | 7,001 |
| Return on assets (ROA) | -5.9929% | 7,003 |
| Pretax return on assets | -5.9929% | 7,002 |
| Return on Equity (ROE) | -74.7657% | 6,990 |
| Retained earnings to average equity (ytd only) | -74.7657% | 6,988 |
| Net charge-offs to loans | 5.8589% | 34 |
| Credit loss provision to net charge-offs | 106.2742% | 1,740 |
| Earnings coverage of net charge-offs (x) | -0.4020% | 3,914 |
| Efficiency ratio | 181.4757% | 49 |
| Assets per employee ($millions) | 7.1425% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8664% | 762 |
| Loan loss allowance to noncurrent loans | 16.9763% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 19.4640% | 27 |
| Noncurrent loans to loans | 16.8848% | 47 |
| Net loans and leases to total assets | 63.4249% | 2,812 |
| Net loans and leases to deposits | 88.8650% | 1,064 |
| Net loans and leases to core deposits | 90.6422% | 1,644 |
| Total domestic deposits to total assets | 71.3721% | 6,688 |
| Equity capital to assets | 7.4757% | 6,602 |
| Core capital (leverage) ratio | 7.1002% | 6,615 |
| Tier 1 risk-based capital ratio | 8.6765% | 6,829 |
| Total risk-based capital ratio | 9.9269% | 6,834 |
| Memoranda: | ||
| Average total assets | $139,766,000 | 3,991 |
| Average earning assets | $119,065,000 | 4,175 |
| Average equity | $11,203,000 | 4,735 |
| Average total loans | $88,140,000 | 3,786 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8779% | 5,642 |
| Cost of funding earning assets | 1.8042% | 51 |
| Net interest margin | 2.0737% | 6,909 |
| Noninterest income to average assets | 0.0748% | 6,603 |
| Noninterest expense to average assets | 3.4025% | 2,040 |
| Loan and lease loss provision to assets | 1.0946% | 348 |
| Net operating income to assets | -2.5780% | 6,983 |
| Return on assets (ROA) | -2.8489% | 7,003 |
| Pretax return on assets | -2.8489% | 7,005 |
| Return on Equity (ROE) | -33.4167% | 6,969 |
| Retained earnings to average equity (ytd only) | -33.4167% | 6,954 |
| Net charge-offs to loans | 1.7317% | 476 |
| Credit loss provision to net charge-offs | 107.1290% | 2,767 |
| Earnings coverage of net charge-offs (x) | -1.4517% | 5,801 |
| Efficiency ratio | 177.2947% | 58 |
| Assets per employee ($millions) | 7.5697% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8049% | 817 |
| Loan loss allowance to noncurrent loans | 14.3978% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 19.4799% | 29 |
| Noncurrent loans to loans | 19.4815% | 33 |
| Net loans and leases to total assets | 59.2449% | 3,740 |
| Net loans and leases to deposits | 82.9188% | 1,888 |
| Net loans and leases to core deposits | 84.7724% | 2,456 |
| Total domestic deposits to total assets | 71.4493% | 6,718 |
| Equity capital to assets | 8.5249% | 6,031 |
| Core capital (leverage) ratio | 8.1150% | 6,077 |
| Tier 1 risk-based capital ratio | 10.9558% | 6,366 |
| Total risk-based capital ratio | 12.2176% | 6,323 |
| Memoranda: | ||
| Average total assets | $151,007,600 | 3,757 |
| Average earning assets | $134,297,800 | 3,819 |
| Average equity | $12,873,800 | 4,386 |
| Average total loans | $89,101,400 | 3,767 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7816% | 6,063 |
| Cost of funding earning assets | 1.8125% | 54 |
| Net interest margin | 1.9691% | 7,046 |
| Noninterest income to average assets | 0.1675% | 6,298 |
| Noninterest expense to average assets | 3.4344% | 1,916 |
| Loan and lease loss provision to assets | 0.3298% | 1,988 |
| Net operating income to assets | -1.8298% | 7,019 |
| Return on assets (ROA) | -1.8298% | 7,032 |
| Pretax return on assets | -1.8298% | 7,008 |
| Return on Equity (ROE) | -21.4626% | 7,006 |
| Retained earnings to average equity (ytd only) | -21.4626% | 6,991 |
| Net charge-offs to loans | 1.1789% | 847 |
| Credit loss provision to net charge-offs | 47.7876% | 4,451 |
| Earnings coverage of net charge-offs (x) | -2.1732% | 5,655 |
| Efficiency ratio | 177.5372% | 50 |
| Assets per employee ($millions) | 7.4997% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2176% | 1,677 |
| Loan loss allowance to noncurrent loans | 9.9043% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 19.9948% | 35 |
| Noncurrent loans to loans | 22.3901% | 26 |
| Net loans and leases to total assets | 56.9129% | 4,311 |
| Net loans and leases to deposits | 79.7753% | 2,423 |
| Net loans and leases to core deposits | 81.7972% | 2,989 |
| Total domestic deposits to total assets | 71.3415% | 6,773 |
| Equity capital to assets | 9.4017% | 5,330 |
| Core capital (leverage) ratio | 9.2125% | 4,739 |
| Tier 1 risk-based capital ratio | 12.6409% | 5,532 |
| Total risk-based capital ratio | 13.8969% | 5,484 |
| Memoranda: | ||
| Average total assets | $152,803,250 | 3,774 |
| Average earning assets | $137,115,500 | 3,809 |
| Average equity | $13,027,000 | 4,391 |
| Average total loans | $89,459,750 | 3,807 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7428% | 6,267 |
| Cost of funding earning assets | 1.8361% | 59 |
| Net interest margin | 1.9067% | 7,129 |
| Noninterest income to average assets | 0.2511% | 5,783 |
| Noninterest expense to average assets | 3.2640% | 2,401 |
| Loan and lease loss provision to assets | 0.2355% | 2,715 |
| Net operating income to assets | -1.5286% | 7,024 |
| Return on assets (ROA) | -1.5286% | 7,035 |
| Pretax return on assets | -1.5286% | 7,009 |
| Return on Equity (ROE) | -18.5497% | 7,024 |
| Retained earnings to average equity (ytd only) | -18.5497% | 6,997 |
| Net charge-offs to loans | 0.9492% | 1,165 |
| Credit loss provision to net charge-offs | 42.2897% | 4,208 |
| Earnings coverage of net charge-offs (x) | -2.3224% | 5,392 |
| Efficiency ratio | 165.6106% | 70 |
| Assets per employee ($millions) | 7.7041% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3687% | 1,462 |
| Loan loss allowance to noncurrent loans | 9.6644% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 20.0140% | 40 |
| Noncurrent loans to loans | 24.5093% | 20 |
| Net loans and leases to total assets | 56.2298% | 4,430 |
| Net loans and leases to deposits | 79.8938% | 2,397 |
| Net loans and leases to core deposits | 81.9632% | 2,964 |
| Total domestic deposits to total assets | 70.3807% | 6,888 |
| Equity capital to assets | 8.3125% | 6,373 |
| Core capital (leverage) ratio | 8.6318% | 5,474 |
| Tier 1 risk-based capital ratio | 11.9188% | 5,982 |
| Total risk-based capital ratio | 13.1762% | 5,944 |
| Memoranda: | ||
| Average total assets | $153,739,670 | 3,775 |
| Average earning assets | $138,666,670 | 3,806 |
| Average equity | $12,668,670 | 4,466 |
| Average total loans | $90,179,000 | 3,799 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 6,283 |
| Cost of funding earning assets | 1.8454% | 72 |
| Net interest margin | 1.9378% | 7,178 |
| Noninterest income to average assets | 0.0104% | 7,071 |
| Noninterest expense to average assets | 3.0032% | 3,232 |
| Loan and lease loss provision to assets | 0.0703% | 4,522 |
| Net operating income to assets | -1.3154% | 7,054 |
| Return on assets (ROA) | -1.3154% | 7,069 |
| Pretax return on assets | -1.3154% | 7,046 |
| Return on Equity (ROE) | -16.0330% | 7,075 |
| Retained earnings to average equity (ytd only) | -16.0330% | 6,991 |
| Net charge-offs to loans | 1.7646% | 539 |
| Credit loss provision to net charge-offs | 6.7332% | 3,937 |
| Earnings coverage of net charge-offs (x) | -1.1920% | 4,570 |
| Efficiency ratio | 170.8148% | 67 |
| Assets per employee ($millions) | 8.4862% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1889% | 1,902 |
| Loan loss allowance to noncurrent loans | 7.2072% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 22.9439% | 25 |
| Noncurrent loans to loans | 30.3705% | 11 |
| Net loans and leases to total assets | 57.7764% | 4,070 |
| Net loans and leases to deposits | 82.8380% | 1,813 |
| Net loans and leases to core deposits | 84.5118% | 2,476 |
| Total domestic deposits to total assets | 69.7462% | 6,993 |
| Equity capital to assets | 8.6454% | 5,937 |
| Core capital (leverage) ratio | 9.1629% | 4,583 |
| Tier 1 risk-based capital ratio | 11.9419% | 5,997 |
| Total risk-based capital ratio | 13.1977% | 5,993 |
| Memoranda: | ||
| Average total assets | $153,568,500 | 3,815 |
| Average earning assets | $138,510,000 | 3,843 |
| Average equity | $12,599,000 | 4,484 |
| Average total loans | $90,897,500 | 3,803 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 6,275 |
| Cost of funding earning assets | 2.0444% | 80 |
| Net interest margin | 2.0594% | 7,209 |
| Noninterest income to average assets | -0.0677% | 7,075 |
| Noninterest expense to average assets | 3.9724% | 1,079 |
| Loan and lease loss provision to assets | -0.0855% | 7,270 |
| Net operating income to assets | -2.0821% | 7,040 |
| Return on assets (ROA) | -1.9942% | 7,036 |
| Pretax return on assets | -1.9707% | 7,016 |
| Return on Equity (ROE) | -51.1770% | 7,206 |
| Retained earnings to average equity (ytd only) | -51.1770% | 7,203 |
| Net charge-offs to loans | 1.1532% | 1,471 |
| Credit loss provision to net charge-offs | -12.3651% | 6,622 |
| Earnings coverage of net charge-offs (x) | -3.0996% | 6,327 |
| Efficiency ratio | 217.2684% | 47 |
| Assets per employee ($millions) | 9.0815% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5654% | 1,229 |
| Loan loss allowance to noncurrent loans | 8.2098% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 23.4853% | 30 |
| Noncurrent loans to loans | 31.2474% | 15 |
| Net loans and leases to total assets | 57.7883% | 4,412 |
| Net loans and leases to deposits | 81.3868% | 2,294 |
| Net loans and leases to core deposits | 83.1938% | 2,996 |
| Total domestic deposits to total assets | 71.0045% | 6,934 |
| Equity capital to assets | 7.7675% | 6,706 |
| Core capital (leverage) ratio | 7.7569% | 6,486 |
| Tier 1 risk-based capital ratio | 11.2177% | 6,339 |
| Total risk-based capital ratio | 12.4774% | 6,305 |
| Memoranda: | ||
| Average total assets | $174,203,000 | 3,428 |
| Average earning assets | $160,386,800 | 3,395 |
| Average equity | $6,788,200 | 5,928 |
| Average total loans | $104,488,800 | 3,515 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 6,431 |
| Cost of funding earning assets | 2.0413% | 104 |
| Net interest margin | 2.0502% | 7,293 |
| Noninterest income to average assets | -0.0930% | 7,204 |
| Noninterest expense to average assets | 4.0366% | 964 |
| Loan and lease loss provision to assets | 0.4852% | 2,050 |
| Net operating income to assets | -2.7208% | 7,243 |
| Return on assets (ROA) | -2.6070% | 7,239 |
| Pretax return on assets | -2.6070% | 7,231 |
| Return on Equity (ROE) | -85.1164% | 7,367 |
| Retained earnings to average equity (ytd only) | -85.1164% | 7,367 |
| Net charge-offs to loans | 1.5076% | 963 |
| Credit loss provision to net charge-offs | 53.5304% | 4,957 |
| Earnings coverage of net charge-offs (x) | -2.4663% | 6,045 |
| Efficiency ratio | 224.1322% | 36 |
| Assets per employee ($millions) | 9.2744% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1729% | 745 |
| Loan loss allowance to noncurrent loans | 10.7535% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 21.7983% | 39 |
| Noncurrent loans to loans | 29.5060% | 16 |
| Net loans and leases to total assets | 57.3446% | 4,616 |
| Net loans and leases to deposits | 73.1715% | 3,780 |
| Net loans and leases to core deposits | 76.0186% | 4,191 |
| Total domestic deposits to total assets | 78.3701% | 6,119 |
| Equity capital to assets | 2.0732% | 7,400 |
| Core capital (leverage) ratio | 2.5367% | 7,372 |
| Tier 1 risk-based capital ratio | 3.5010% | 7,380 |
| Total risk-based capital ratio | 4.7667% | 7,382 |
| Memoranda: | ||
| Average total assets | $179,157,250 | 3,361 |
| Average earning assets | $165,508,750 | 3,330 |
| Average equity | $5,487,250 | 6,343 |
| Average total loans | $107,719,500 | 3,469 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 6,305 |
| Cost of funding earning assets | 2.0490% | 123 |
| Net interest margin | 2.1384% | 7,331 |
| Noninterest income to average assets | -0.1201% | 7,302 |
| Noninterest expense to average assets | 4.3290% | 722 |
| Loan and lease loss provision to assets | 0.9758% | 904 |
| Net operating income to assets | -3.4416% | 7,361 |
| Return on assets (ROA) | -3.2746% | 7,345 |
| Pretax return on assets | -3.2746% | 7,336 |
| Return on Equity (ROE) | -97.3604% | 7,438 |
| Retained earnings to average equity (ytd only) | -97.3604% | 7,436 |
| Net charge-offs to loans | 2.7505% | 400 |
| Credit loss provision to net charge-offs | 58.7385% | 4,369 |
| Earnings coverage of net charge-offs (x) | -1.4842% | 5,682 |
| Efficiency ratio | 232.3374% | 38 |
| Assets per employee ($millions) | 9.2612% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9227% | 958 |
| Loan loss allowance to noncurrent loans | 9.5334% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 21.5886% | 46 |
| Noncurrent loans to loans | 30.6571% | 12 |
| Net loans and leases to total assets | 58.0446% | 4,615 |
| Net loans and leases to deposits | 73.1761% | 3,920 |
| Net loans and leases to core deposits | 75.8853% | 4,331 |
| Total domestic deposits to total assets | 79.3218% | 6,000 |
| Equity capital to assets | 2.2408% | 7,466 |
| Core capital (leverage) ratio | 2.6357% | 7,441 |
| Tier 1 risk-based capital ratio | 3.6922% | 7,443 |
| Total risk-based capital ratio | 4.9559% | 7,444 |
| Memoranda: | ||
| Average total assets | $183,229,670 | 3,323 |
| Average earning assets | $169,938,000 | 3,278 |
| Average equity | $6,162,670 | 6,182 |
| Average total loans | $110,670,000 | 3,438 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 6,147 |
| Cost of funding earning assets | 2.0617% | 141 |
| Net interest margin | 2.1884% | 7,360 |
| Noninterest income to average assets | -0.3468% | 7,467 |
| Noninterest expense to average assets | 3.9473% | 1,107 |
| Loan and lease loss provision to assets | 0.0728% | 5,090 |
| Net operating income to assets | -2.3333% | 7,323 |
| Return on assets (ROA) | -2.3333% | 7,321 |
| Pretax return on assets | -2.3333% | 7,302 |
| Return on Equity (ROE) | -59.9519% | 7,436 |
| Retained earnings to average equity (ytd only) | -59.9519% | 7,426 |
| Net charge-offs to loans | 0.7654% | 1,683 |
| Credit loss provision to net charge-offs | 15.6682% | 4,320 |
| Earnings coverage of net charge-offs (x) | -4.8664% | 5,023 |
| Efficiency ratio | 234.0102% | 45 |
| Assets per employee ($millions) | 10.2001% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2131% | 764 |
| Loan loss allowance to noncurrent loans | 10.1240% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 22.3049% | 45 |
| Noncurrent loans to loans | 31.7372% | 10 |
| Net loans and leases to total assets | 57.7519% | 4,679 |
| Net loans and leases to deposits | 73.3792% | 3,864 |
| Net loans and leases to core deposits | 76.0535% | 4,295 |
| Total domestic deposits to total assets | 78.7033% | 6,258 |
| Equity capital to assets | 3.6645% | 7,458 |
| Core capital (leverage) ratio | 3.5414% | 7,460 |
| Tier 1 risk-based capital ratio | 4.9657% | 7,460 |
| Total risk-based capital ratio | 6.2322% | 7,460 |
| Memoranda: | ||
| Average total assets | $186,863,000 | 3,286 |
| Average earning assets | $173,642,000 | 3,240 |
| Average equity | $7,272,500 | 5,853 |
| Average total loans | $113,399,000 | 3,403 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 6,699 |
| Cost of funding earning assets | 2.3342% | 188 |
| Net interest margin | 2.0159% | 7,452 |
| Noninterest income to average assets | -0.1407% | 7,426 |
| Noninterest expense to average assets | 4.2585% | 851 |
| Loan and lease loss provision to assets | 1.6655% | 858 |
| Net operating income to assets | -4.3604% | 7,476 |
| Return on assets (ROA) | -3.7435% | 7,425 |
| Pretax return on assets | -3.5841% | 7,382 |
| Return on Equity (ROE) | -71.7237% | 7,524 |
| Retained earnings to average equity (ytd only) | -71.7237% | 7,523 |
| Net charge-offs to loans | 7.1626% | 49 |
| Credit loss provision to net charge-offs | 39.1725% | 6,400 |
| Earnings coverage of net charge-offs (x) | -0.5963% | 6,502 |
| Efficiency ratio | 247.1493% | 51 |
| Assets per employee ($millions) | 10.0066% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1583% | 761 |
| Loan loss allowance to noncurrent loans | 10.5265% | 7,084 |
| Noncurrent assets plus other real estate owned to assets | 20.1936% | 66 |
| Noncurrent loans to loans | 30.0038% | 13 |
| Net loans and leases to total assets | 59.7197% | 4,723 |
| Net loans and leases to deposits | 75.6790% | 3,890 |
| Net loans and leases to core deposits | 78.9649% | 4,347 |
| Total domestic deposits to total assets | 78.9118% | 6,102 |
| Equity capital to assets | 4.1115% | 7,502 |
| Core capital (leverage) ratio | 4.0158% | 7,498 |
| Tier 1 risk-based capital ratio | 5.4317% | 7,506 |
| Total risk-based capital ratio | 6.6977% | 7,510 |
| Memoranda: | ||
| Average total assets | $218,858,000 | 2,884 |
| Average earning assets | $202,339,400 | 2,842 |
| Average equity | $11,423,000 | 4,758 |
| Average total loans | $129,911,000 | 3,123 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 6,737 |
| Cost of funding earning assets | 2.4102% | 196 |
| Net interest margin | 2.0354% | 7,569 |
| Noninterest income to average assets | -0.1870% | 7,589 |
| Noninterest expense to average assets | 4.4887% | 607 |
| Loan and lease loss provision to assets | 1.8869% | 653 |
| Net operating income to assets | -4.6858% | 7,624 |
| Return on assets (ROA) | -3.8895% | 7,575 |
| Pretax return on assets | -3.8895% | 7,553 |
| Return on Equity (ROE) | -71.3358% | 7,639 |
| Retained earnings to average equity (ytd only) | -71.3358% | 7,638 |
| Net charge-offs to loans | 9.3357% | 28 |
| Credit loss provision to net charge-offs | 34.3314% | 6,103 |
| Earnings coverage of net charge-offs (x) | -0.5092% | 6,325 |
| Efficiency ratio | 265.6195% | 39 |
| Assets per employee ($millions) | 10.6605% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6125% | 1,191 |
| Loan loss allowance to noncurrent loans | 10.7063% | 7,173 |
| Noncurrent assets plus other real estate owned to assets | 16.5466% | 116 |
| Noncurrent loans to loans | 24.4020% | 33 |
| Net loans and leases to total assets | 59.7021% | 4,964 |
| Net loans and leases to deposits | 75.1719% | 4,323 |
| Net loans and leases to core deposits | 80.1126% | 4,502 |
| Total domestic deposits to total assets | 79.4208% | 5,891 |
| Equity capital to assets | 4.6492% | 7,604 |
| Core capital (leverage) ratio | 4.4148% | 7,595 |
| Tier 1 risk-based capital ratio | 6.2479% | 7,593 |
| Total risk-based capital ratio | 7.5092% | 7,595 |
| Memoranda: | ||
| Average total assets | $226,041,250 | 2,839 |
| Average earning assets | $208,439,750 | 2,809 |
| Average equity | $12,324,500 | 4,593 |
| Average total loans | $133,077,500 | 3,122 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 6,394 |
| Cost of funding earning assets | 2.5073% | 171 |
| Net interest margin | 2.1152% | 7,613 |
| Noninterest income to average assets | -0.1514% | 7,660 |
| Noninterest expense to average assets | 5.4372% | 282 |
| Loan and lease loss provision to assets | 1.8754% | 662 |
| Net operating income to assets | -5.5218% | 7,717 |
| Return on assets (ROA) | -4.3673% | 7,657 |
| Pretax return on assets | -4.3673% | 7,639 |
| Return on Equity (ROE) | -76.8336% | 7,696 |
| Retained earnings to average equity (ytd only) | -76.8336% | 7,694 |
| Net charge-offs to loans | 11.8548% | 21 |
| Credit loss provision to net charge-offs | 27.1949% | 5,774 |
| Earnings coverage of net charge-offs (x) | -0.5288% | 6,026 |
| Efficiency ratio | 303.6294% | 39 |
| Assets per employee ($millions) | 11.2836% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7562% | 1,037 |
| Loan loss allowance to noncurrent loans | 12.4928% | 7,209 |
| Noncurrent assets plus other real estate owned to assets | 15.5143% | 127 |
| Noncurrent loans to loans | 22.0619% | 53 |
| Net loans and leases to total assets | 57.4684% | 5,494 |
| Net loans and leases to deposits | 72.0069% | 4,995 |
| Net loans and leases to core deposits | 80.6359% | 4,610 |
| Total domestic deposits to total assets | 79.8096% | 5,786 |
| Equity capital to assets | 5.0861% | 7,627 |
| Core capital (leverage) ratio | 5.0972% | 7,596 |
| Tier 1 risk-based capital ratio | 6.8426% | 7,615 |
| Total risk-based capital ratio | 8.1040% | 7,619 |
| Memoranda: | ||
| Average total assets | $233,872,000 | 2,762 |
| Average earning assets | $214,733,330 | 2,751 |
| Average equity | $13,293,670 | 4,375 |
| Average total loans | $136,046,670 | 3,082 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 4,529 |
| Cost of funding earning assets | 2.8700% | 66 |
| Net interest margin | 2.2293% | 7,634 |
| Noninterest income to average assets | 0.0312% | 7,553 |
| Noninterest expense to average assets | 8.1555% | 116 |
| Loan and lease loss provision to assets | 1.1362% | 1,079 |
| Net operating income to assets | -7.2098% | 7,847 |
| Return on assets (ROA) | -5.0030% | 7,787 |
| Pretax return on assets | -5.0030% | 7,765 |
| Return on Equity (ROE) | -84.1219% | 7,803 |
| Retained earnings to average equity (ytd only) | -84.1219% | 7,799 |
| Net charge-offs to loans | 9.1301% | 67 |
| Credit loss provision to net charge-offs | 21.5442% | 4,929 |
| Earnings coverage of net charge-offs (x) | -1.1516% | 5,404 |
| Efficiency ratio | 391.7192% | 25 |
| Assets per employee ($millions) | 12.0806% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9598% | 181 |
| Loan loss allowance to noncurrent loans | 32.4405% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 12.4709% | 234 |
| Noncurrent loans to loans | 15.2891% | 169 |
| Net loans and leases to total assets | 60.3012% | 5,070 |
| Net loans and leases to deposits | 80.8500% | 3,487 |
| Net loans and leases to core deposits | 87.4977% | 3,681 |
| Total domestic deposits to total assets | 74.5840% | 6,970 |
| Equity capital to assets | 5.9623% | 7,626 |
| Core capital (leverage) ratio | 5.1824% | 7,687 |
| Tier 1 risk-based capital ratio | 7.9397% | 7,619 |
| Total risk-based capital ratio | 9.2257% | 7,624 |
| Memoranda: | ||
| Average total assets | $243,613,500 | 2,723 |
| Average earning assets | $224,108,000 | 2,688 |
| Average equity | $14,488,500 | 4,129 |
| Average total loans | $140,721,000 | 3,064 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4731% | 4,305 |
| Cost of funding earning assets | 3.1540% | 145 |
| Net interest margin | 2.3191% | 7,577 |
| Noninterest income to average assets | 0.0100% | 7,658 |
| Noninterest expense to average assets | 1.7607% | 7,652 |
| Loan and lease loss provision to assets | 5.8767% | 120 |
| Net operating income to assets | -4.1636% | 7,633 |
| Return on assets (ROA) | -4.1636% | 7,631 |
| Pretax return on assets | -5.4179% | 7,750 |
| Return on Equity (ROE) | -46.1420% | 7,639 |
| Retained earnings to average equity (ytd only) | -47.1729% | 7,645 |
| Net charge-offs to loans | 5.2988% | 223 |
| Credit loss provision to net charge-offs | 189.4446% | 2,118 |
| Earnings coverage of net charge-offs (x) | 0.1479% | 6,013 |
| Efficiency ratio | 79.3294% | 2,983 |
| Assets per employee ($millions) | 16.8611% | 95 |
| Cash dividends to net income (ytd only)* | -2.2341% | 7,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5259% | 80 |
| Loan loss allowance to noncurrent loans | 39.3834% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 10.8467% | 316 |
| Noncurrent loans to loans | 16.5702% | 126 |
| Net loans and leases to total assets | 49.7118% | 6,672 |
| Net loans and leases to deposits | 87.3079% | 2,677 |
| Net loans and leases to core deposits | 132.8239% | 1,122 |
| Total domestic deposits to total assets | 56.9385% | 7,844 |
| Equity capital to assets | 5.9353% | 7,673 |
| Core capital (leverage) ratio | 5.8479% | 7,662 |
| Tier 1 risk-based capital ratio | 8.9270% | 7,501 |
| Total risk-based capital ratio | 10.2260% | 7,500 |
| Memoranda: | ||
| Average total assets | $268,757,200 | 2,432 |
| Average earning assets | $256,051,800 | 2,358 |
| Average equity | $24,251,200 | 2,689 |
| Average total loans | $157,337,000 | 2,814 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8020% | 2,883 |
| Cost of funding earning assets | 3.2343% | 170 |
| Net interest margin | 2.5677% | 7,387 |
| Noninterest income to average assets | 0.0099% | 7,806 |
| Noninterest expense to average assets | 1.6287% | 7,808 |
| Loan and lease loss provision to assets | 2.6020% | 625 |
| Net operating income to assets | -1.0969% | 6,896 |
| Return on assets (ROA) | -1.0969% | 6,900 |
| Pretax return on assets | -1.7588% | 7,071 |
| Return on Equity (ROE) | -11.1940% | 6,968 |
| Retained earnings to average equity (ytd only) | -12.4609% | 6,971 |
| Net charge-offs to loans | 2.9999% | 558 |
| Credit loss provision to net charge-offs | 144.8314% | 3,360 |
| Earnings coverage of net charge-offs (x) | 0.4693% | 5,562 |
| Efficiency ratio | 65.8899% | 5,387 |
| Assets per employee ($millions) | 15.8746% | 98 |
| Cash dividends to net income (ytd only)* | -11.3175% | 7,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8397% | 2,175 |
| Loan loss allowance to noncurrent loans | 14.8818% | 7,336 |
| Noncurrent assets plus other real estate owned to assets | 7.1987% | 649 |
| Noncurrent loans to loans | 12.3623% | 254 |
| Net loans and leases to total assets | 56.9006% | 6,042 |
| Net loans and leases to deposits | 111.0174% | 423 |
| Net loans and leases to core deposits | 169.8038% | 272 |
| Total domestic deposits to total assets | 51.2538% | 7,971 |
| Equity capital to assets | 9.2608% | 5,080 |
| Core capital (leverage) ratio | 9.0481% | 4,581 |
| Tier 1 risk-based capital ratio | 13.2094% | 4,046 |
| Total risk-based capital ratio | 14.4626% | 3,983 |
| Memoranda: | ||
| Average total assets | $268,502,250 | 2,446 |
| Average earning assets | $257,445,250 | 2,359 |
| Average equity | $26,311,000 | 2,528 |
| Average total loans | $160,802,750 | 2,773 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9396% | 2,421 |
| Cost of funding earning assets | 3.2984% | 205 |
| Net interest margin | 2.6412% | 7,310 |
| Noninterest income to average assets | 0.0112% | 7,909 |
| Noninterest expense to average assets | 1.5408% | 7,951 |
| Loan and lease loss provision to assets | 3.3628% | 432 |
| Net operating income to assets | -1.4691% | 7,230 |
| Return on assets (ROA) | -1.4691% | 7,235 |
| Pretax return on assets | -2.3556% | 7,380 |
| Return on Equity (ROE) | -14.7211% | 7,314 |
| Retained earnings to average equity (ytd only) | -15.8426% | 7,286 |
| Net charge-offs to loans | 3.0384% | 538 |
| Credit loss provision to net charge-offs | 182.8398% | 2,513 |
| Earnings coverage of net charge-offs (x) | 0.5477% | 5,163 |
| Efficiency ratio | 60.4685% | 6,469 |
| Assets per employee ($millions) | 16.6468% | 93 |
| Cash dividends to net income (ytd only)* | -7.6181% | 7,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0564% | 1,470 |
| Loan loss allowance to noncurrent loans | 16.2751% | 7,320 |
| Noncurrent assets plus other real estate owned to assets | 7.1895% | 577 |
| Noncurrent loans to loans | 12.6353% | 194 |
| Net loans and leases to total assets | 55.4890% | 6,275 |
| Net loans and leases to deposits | 107.4304% | 682 |
| Net loans and leases to core deposits | 164.2670% | 387 |
| Total domestic deposits to total assets | 51.6511% | 8,048 |
| Equity capital to assets | 8.9507% | 5,385 |
| Core capital (leverage) ratio | 9.2349% | 4,262 |
| Tier 1 risk-based capital ratio | 12.8191% | 4,272 |
| Total risk-based capital ratio | 14.0741% | 4,185 |
| Memoranda: | ||
| Average total assets | $268,046,670 | 2,460 |
| Average earning assets | $257,460,330 | 2,376 |
| Average equity | $26,750,670 | 2,499 |
| Average total loans | $162,258,670 | 2,774 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8793% | 2,899 |
| Cost of funding earning assets | 3.3628% | 224 |
| Net interest margin | 2.5165% | 7,479 |
| Noninterest income to average assets | 0.0138% | 8,005 |
| Noninterest expense to average assets | 1.5074% | 7,980 |
| Loan and lease loss provision to assets | 0.6217% | 2,032 |
| Net operating income to assets | 0.1934% | 5,681 |
| Return on assets (ROA) | 0.1934% | 5,852 |
| Pretax return on assets | 0.3086% | 5,661 |
| Return on Equity (ROE) | 1.8353% | 5,830 |
| Retained earnings to average equity (ytd only) | 0.3787% | 5,506 |
| Net charge-offs to loans | 1.1861% | 1,167 |
| Credit loss provision to net charge-offs | 83.6777% | 4,128 |
| Earnings coverage of net charge-offs (x) | 1.2521% | 4,118 |
| Efficiency ratio | 61.8388% | 6,085 |
| Assets per employee ($millions) | 14.7643% | 115 |
| Cash dividends to net income (ytd only)* | 79.3651% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,360 |
| Loan loss allowance to noncurrent loans | 24.0142% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 2.8966% | 1,967 |
| Noncurrent loans to loans | 4.6433% | 1,213 |
| Net loans and leases to total assets | 60.9662% | 5,503 |
| Net loans and leases to deposits | 127.6327% | 169 |
| Net loans and leases to core deposits | 186.8163% | 198 |
| Total domestic deposits to total assets | 47.7669% | 8,113 |
| Equity capital to assets | 10.3384% | 3,617 |
| Core capital (leverage) ratio | 10.5232% | 2,896 |
| Tier 1 risk-based capital ratio | 16.9663% | 2,351 |
| Total risk-based capital ratio | 18.0944% | 2,322 |
| Memoranda: | ||
| Average total assets | $260,572,500 | 2,542 |
| Average earning assets | $250,984,000 | 2,435 |
| Average equity | $27,461,000 | 2,459 |
| Average total loans | $163,224,000 | 2,797 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5289% | 2,814 |
| Cost of funding earning assets | 3.6667% | 296 |
| Net interest margin | 2.8622% | 7,231 |
| Noninterest income to average assets | 0.0503% | 7,889 |
| Noninterest expense to average assets | 1.7145% | 7,850 |
| Loan and lease loss provision to assets | 0.5443% | 2,644 |
| Net operating income to assets | 0.3375% | 5,408 |
| Return on assets (ROA) | 0.3375% | 5,231 |
| Pretax return on assets | 0.5411% | 4,876 |
| Return on Equity (ROE) | 3.0820% | 5,205 |
| Retained earnings to average equity (ytd only) | 0.6403% | 4,854 |
| Net charge-offs to loans | 0.0964% | 5,364 |
| Credit loss provision to net charge-offs | 858.7500% | 512 |
| Earnings coverage of net charge-offs (x) | 17.1250% | 1,796 |
| Efficiency ratio | 61.2337% | 6,119 |
| Assets per employee ($millions) | 13.4415% | 128 |
| Cash dividends to net income (ytd only)* | 79.2254% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 4,759 |
| Loan loss allowance to noncurrent loans | 37.4754% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 2.0287% | 2,428 |
| Noncurrent loans to loans | 3.1279% | 1,690 |
| Net loans and leases to total assets | 62.9211% | 5,469 |
| Net loans and leases to deposits | 137.6079% | 124 |
| Net loans and leases to core deposits | 201.0749% | 166 |
| Total domestic deposits to total assets | 45.7249% | 8,154 |
| Equity capital to assets | 10.7472% | 3,256 |
| Core capital (leverage) ratio | 10.7080% | 2,813 |
| Tier 1 risk-based capital ratio | 17.6831% | 2,122 |
| Total risk-based capital ratio | 18.9108% | 2,070 |
| Memoranda: | ||
| Average total assets | $252,430,600 | 2,540 |
| Average earning assets | $242,507,400 | 2,430 |
| Average equity | $27,644,600 | 2,425 |
| Average total loans | $165,990,200 | 2,687 |