Home > Signature Bank of Georgia > Performance and Condition Ratios
Signature Bank of Georgia, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4754% | 204 |
| Cost of funding earning assets | 2.5943% | 722 |
| Net interest margin | 4.8811% | 363 |
| Noninterest income to average assets | 1.0700% | 527 |
| Noninterest expense to average assets | 4.2271% | 335 |
| Loan and lease loss provision to assets | 0.5700% | 161 |
| Net operating income to assets | 0.9004% | 2,572 |
| Return on assets (ROA) | 0.9004% | 2,582 |
| Pretax return on assets | 0.9004% | 2,965 |
| Return on Equity (ROE) | 6.5600% | 3,231 |
| Retained earnings to average equity (ytd only) | 6.5643% | 2,126 |
| Net charge-offs to loans | 0.1210% | 749 |
| Credit loss provision to net charge-offs | 605.1724% | 478 |
| Earnings coverage of net charge-offs (x) | 15.6552% | 1,527 |
| Efficiency ratio | 74.2265% | 1,414 |
| Assets per employee ($millions) | 7.1211% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 1,692 |
| Loan loss allowance to noncurrent loans | 375.0751% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 545 |
| Noncurrent loans to loans | 0.3472% | 2,265 |
| Net loans and leases to total assets | 75.9600% | 1,091 |
| Net loans and leases to deposits | 94.1038% | 758 |
| Net loans and leases to core deposits | 97.3608% | 1,537 |
| Total domestic deposits to total assets | 80.7200% | 3,518 |
| Equity capital to assets | 13.8254% | 729 |
| Core capital (leverage) ratio | 13.6274% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8076% | 910 |
| Memoranda: | ||
| Average total assets | $247,448,500 | 2,744 |
| Average earning assets | $234,207,500 | 2,720 |
| Average equity | $33,941,000 | 2,275 |
| Average total loans | $191,791,000 | 2,466 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3326% | 276 |
| Cost of funding earning assets | 2.5677% | 1,022 |
| Net interest margin | 4.7649% | 455 |
| Noninterest income to average assets | 1.1000% | 524 |
| Noninterest expense to average assets | 4.8593% | 249 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 0.5880% | 3,263 |
| Return on assets (ROA) | 0.5880% | 3,278 |
| Pretax return on assets | 0.5880% | 3,488 |
| Return on Equity (ROE) | 4.1300% | 3,683 |
| Retained earnings to average equity (ytd only) | 4.1316% | 2,580 |
| Net charge-offs to loans | 0.0281% | 2,018 |
| Credit loss provision to net charge-offs | 338.7755% | 807 |
| Earnings coverage of net charge-offs (x) | 33.5102% | 1,464 |
| Efficiency ratio | 87.1618% | 626 |
| Assets per employee ($millions) | 6.6395% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 2,420 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.9668% | 702 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 77.1600% | 999 |
| Net loans and leases to deposits | 92.3192% | 1,010 |
| Net loans and leases to core deposits | 97.8981% | 1,598 |
| Total domestic deposits to total assets | 83.5800% | 2,890 |
| Equity capital to assets | 13.6058% | 746 |
| Core capital (leverage) ratio | 13.6689% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0992% | 1,040 |
| Memoranda: | ||
| Average total assets | $229,418,000 | 2,822 |
| Average earning assets | $215,638,600 | 2,797 |
| Average equity | $32,651,000 | 2,278 |
| Average total loans | $174,457,600 | 2,540 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3000% | 290 |
| Cost of funding earning assets | 2.5153% | 1,149 |
| Net interest margin | 4.7847% | 436 |
| Noninterest income to average assets | 0.7800% | 920 |
| Noninterest expense to average assets | 4.7846% | 255 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.3958% | 3,686 |
| Return on assets (ROA) | 0.3958% | 3,717 |
| Pretax return on assets | 0.3958% | 3,816 |
| Return on Equity (ROE) | 2.7500% | 3,926 |
| Retained earnings to average equity (ytd only) | 2.7481% | 3,253 |
| Net charge-offs to loans | 0.0212% | 1,945 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 30.5556% | 1,504 |
| Efficiency ratio | 90.7428% | 505 |
| Assets per employee ($millions) | 6.1755% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,203 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 673 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 74.9100% | 1,263 |
| Net loans and leases to deposits | 90.1079% | 1,240 |
| Net loans and leases to core deposits | 95.5978% | 1,782 |
| Total domestic deposits to total assets | 83.1300% | 2,813 |
| Equity capital to assets | 13.9617% | 743 |
| Core capital (leverage) ratio | 13.9818% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8614% | 943 |
| Memoranda: | ||
| Average total assets | $225,357,500 | 2,835 |
| Average earning assets | $211,448,000 | 2,820 |
| Average equity | $32,457,750 | 2,278 |
| Average total loans | $170,130,750 | 2,567 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1846% | 308 |
| Cost of funding earning assets | 2.3197% | 1,404 |
| Net interest margin | 4.8648% | 393 |
| Noninterest income to average assets | 0.6600% | 1,224 |
| Noninterest expense to average assets | 5.0192% | 230 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.1907% | 4,016 |
| Return on assets (ROA) | 0.1907% | 4,050 |
| Pretax return on assets | 0.1907% | 4,074 |
| Return on Equity (ROE) | 1.3100% | 4,112 |
| Retained earnings to average equity (ytd only) | 1.3097% | 3,534 |
| Net charge-offs to loans | 0.0012% | 2,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 451 |
| Efficiency ratio | 96.0042% | 376 |
| Assets per employee ($millions) | 6.2678% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 2,271 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.2161% | 453 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.4600% | 1,123 |
| Net loans and leases to deposits | 96.6814% | 744 |
| Net loans and leases to core deposits | 102.2218% | 1,355 |
| Total domestic deposits to total assets | 79.0900% | 3,571 |
| Equity capital to assets | 14.2873% | 622 |
| Core capital (leverage) ratio | 15.1464% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4159% | 856 |
| Memoranda: | ||
| Average total assets | $220,195,000 | 2,871 |
| Average earning assets | $206,748,667 | 2,840 |
| Average equity | $32,068,333 | 2,267 |
| Average total loans | $165,971,000 | 2,602 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1886% | 282 |
| Cost of funding earning assets | 2.1123% | 1,745 |
| Net interest margin | 5.0762% | 293 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 4.7638% | 253 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.3863% | 3,649 |
| Return on assets (ROA) | 0.3863% | 3,673 |
| Pretax return on assets | 0.3863% | 3,784 |
| Return on Equity (ROE) | 2.6300% | 3,915 |
| Retained earnings to average equity (ytd only) | 2.6264% | 3,087 |
| Net charge-offs to loans | -0.0396% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 92.0398% | 509 |
| Assets per employee ($millions) | 5.6499% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 1,641 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.3126% | 373 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 74.5800% | 1,269 |
| Net loans and leases to deposits | 88.4313% | 1,329 |
| Net loans and leases to core deposits | 92.2409% | 1,898 |
| Total domestic deposits to total assets | 84.3300% | 2,626 |
| Equity capital to assets | 15.3123% | 520 |
| Core capital (leverage) ratio | 14.8418% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4253% | 650 |
| Memoranda: | ||
| Average total assets | $217,472,000 | 2,890 |
| Average earning assets | $204,324,500 | 2,866 |
| Average equity | $31,983,500 | 2,274 |
| Average total loans | $161,648,500 | 2,629 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8931% | 246 |
| Cost of funding earning assets | 1.3238% | 2,448 |
| Net interest margin | 5.5694% | 168 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 4.6687% | 263 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.1421% | 1,804 |
| Return on assets (ROA) | 1.1492% | 1,755 |
| Pretax return on assets | 1.1492% | 2,264 |
| Return on Equity (ROE) | 8.6000% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.6036% | 1,363 |
| Net charge-offs to loans | 0.1233% | 793 |
| Credit loss provision to net charge-offs | 320.9945% | 916 |
| Earnings coverage of net charge-offs (x) | 15.9834% | 2,026 |
| Efficiency ratio | 77.1322% | 1,148 |
| Assets per employee ($millions) | 6.6440% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 1,950 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.2147% | 357 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 72.2500% | 1,551 |
| Net loans and leases to deposits | 84.5929% | 1,729 |
| Net loans and leases to core deposits | 86.0232% | 2,306 |
| Total domestic deposits to total assets | 85.4100% | 2,182 |
| Equity capital to assets | 14.1468% | 657 |
| Core capital (leverage) ratio | 14.3635% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9773% | 694 |
| Memoranda: | ||
| Average total assets | $209,007,200 | 2,924 |
| Average earning assets | $196,108,200 | 2,904 |
| Average equity | $27,918,400 | 2,367 |
| Average total loans | $146,763,600 | 2,699 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7629% | 240 |
| Cost of funding earning assets | 1.1119% | 2,709 |
| Net interest margin | 5.6510% | 153 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 4.4013% | 291 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.4232% | 1,269 |
| Return on assets (ROA) | 1.4330% | 1,234 |
| Pretax return on assets | 1.4330% | 1,708 |
| Return on Equity (ROE) | 10.9100% | 2,398 |
| Retained earnings to average equity (ytd only) | 10.9057% | 1,172 |
| Net charge-offs to loans | 0.1839% | 477 |
| Credit loss provision to net charge-offs | 176.0204% | 1,203 |
| Earnings coverage of net charge-offs (x) | 12.4745% | 2,067 |
| Efficiency ratio | 73.4383% | 1,410 |
| Assets per employee ($millions) | 6.5418% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,473 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.3731% | 296 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 67.1600% | 2,142 |
| Net loans and leases to deposits | 77.9195% | 2,253 |
| Net loans and leases to core deposits | 78.7386% | 2,695 |
| Total domestic deposits to total assets | 86.1900% | 2,137 |
| Equity capital to assets | 13.3781% | 747 |
| Core capital (leverage) ratio | 14.3335% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1816% | 683 |
| Memoranda: | ||
| Average total assets | $204,785,000 | 2,961 |
| Average earning assets | $191,984,750 | 2,940 |
| Average equity | $26,908,750 | 2,402 |
| Average total loans | $142,131,250 | 2,749 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5204% | 255 |
| Cost of funding earning assets | 0.8129% | 3,170 |
| Net interest margin | 5.7075% | 134 |
| Noninterest income to average assets | 1.0100% | 559 |
| Noninterest expense to average assets | 4.4194% | 282 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.8045% | 653 |
| Return on assets (ROA) | 1.8198% | 632 |
| Pretax return on assets | 1.8198% | 976 |
| Return on Equity (ROE) | 13.9500% | 1,691 |
| Retained earnings to average equity (ytd only) | 13.9473% | 689 |
| Net charge-offs to loans | 0.3633% | 229 |
| Credit loss provision to net charge-offs | 92.8000% | 1,492 |
| Earnings coverage of net charge-offs (x) | 7.5800% | 2,080 |
| Efficiency ratio | 69.6411% | 1,800 |
| Assets per employee ($millions) | 5.6778% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,581 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.8420% | 158 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.9200% | 1,420 |
| Net loans and leases to deposits | 90.1467% | 1,171 |
| Net loans and leases to core deposits | 91.9413% | 1,689 |
| Total domestic deposits to total assets | 80.8900% | 3,444 |
| Equity capital to assets | 16.0475% | 441 |
| Core capital (leverage) ratio | 15.7907% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3945% | 597 |
| Memoranda: | ||
| Average total assets | $196,725,667 | 3,025 |
| Average earning assets | $183,791,667 | 3,003 |
| Average equity | $25,668,000 | 2,487 |
| Average total loans | $137,639,000 | 2,798 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1960% | 250 |
| Cost of funding earning assets | 0.7211% | 2,984 |
| Net interest margin | 5.4749% | 153 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 4.2364% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6559% | 894 |
| Return on assets (ROA) | 1.6821% | 850 |
| Pretax return on assets | 1.6821% | 1,308 |
| Return on Equity (ROE) | 14.5100% | 1,661 |
| Retained earnings to average equity (ytd only) | 14.5139% | 865 |
| Net charge-offs to loans | 0.6034% | 135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 4.0294% | 1,866 |
| Efficiency ratio | 71.8974% | 1,541 |
| Assets per employee ($millions) | 7.0207% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 3,127 |
| Loan loss allowance to noncurrent loans | 757.1429% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 1.9086% | 134 |
| Noncurrent loans to loans | 0.1434% | 2,780 |
| Net loans and leases to total assets | 68.7700% | 1,757 |
| Net loans and leases to deposits | 78.5619% | 1,921 |
| Net loans and leases to core deposits | 79.7186% | 2,274 |
| Total domestic deposits to total assets | 87.5400% | 2,075 |
| Equity capital to assets | 11.9692% | 1,007 |
| Core capital (leverage) ratio | 11.8314% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4446% | 1,277 |
| Memoranda: | ||
| Average total assets | $198,565,500 | 3,049 |
| Average earning assets | $185,280,500 | 3,026 |
| Average equity | $23,012,500 | 2,648 |
| Average total loans | $135,241,500 | 2,850 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 797 |
| Cost of funding earning assets | 0.2377% | 3,433 |
| Net interest margin | 4.2139% | 512 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 3.4912% | 495 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.0281% | 2,465 |
| Return on assets (ROA) | 1.0281% | 2,406 |
| Pretax return on assets | 1.0281% | 2,990 |
| Return on Equity (ROE) | 9.1800% | 3,072 |
| Retained earnings to average equity (ytd only) | 9.1810% | 1,429 |
| Net charge-offs to loans | -0.0441% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.1842% | 1,301 |
| Assets per employee ($millions) | 8.3563% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 2,740 |
| Loan loss allowance to noncurrent loans | 771.4286% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 2.2697% | 100 |
| Noncurrent loans to loans | 0.1465% | 2,777 |
| Net loans and leases to total assets | 65.9600% | 2,047 |
| Net loans and leases to deposits | 74.6975% | 2,200 |
| Net loans and leases to core deposits | 76.6516% | 2,376 |
| Total domestic deposits to total assets | 88.3100% | 1,965 |
| Equity capital to assets | 11.2171% | 1,177 |
| Core capital (leverage) ratio | 11.0091% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0687% | 1,355 |
| Memoranda: | ||
| Average total assets | $201,448,600 | 3,039 |
| Average earning assets | $186,786,800 | 3,024 |
| Average equity | $22,557,400 | 2,731 |
| Average total loans | $120,056,400 | 2,918 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 1,262 |
| Cost of funding earning assets | 0.2124% | 3,121 |
| Net interest margin | 3.7894% | 963 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 3.1516% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9956% | 2,489 |
| Return on assets (ROA) | 0.9956% | 2,460 |
| Pretax return on assets | 0.9956% | 3,027 |
| Return on Equity (ROE) | 8.9000% | 3,064 |
| Retained earnings to average equity (ytd only) | 8.8955% | 1,684 |
| Net charge-offs to loans | -0.0469% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.9923% | 1,080 |
| Assets per employee ($millions) | 9.0471% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 4,042 |
| Loan loss allowance to noncurrent loans | 247.2637% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 2.4149% | 90 |
| Noncurrent loans to loans | 0.3322% | 2,038 |
| Net loans and leases to total assets | 57.6800% | 2,735 |
| Net loans and leases to deposits | 64.7444% | 2,807 |
| Net loans and leases to core deposits | 65.9960% | 2,952 |
| Total domestic deposits to total assets | 89.0900% | 2,050 |
| Equity capital to assets | 10.4910% | 1,371 |
| Core capital (leverage) ratio | 10.9900% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7326% | 1,227 |
| Memoranda: | ||
| Average total assets | $201,673,000 | 3,055 |
| Average earning assets | $187,077,750 | 3,041 |
| Average equity | $22,572,750 | 2,768 |
| Average total loans | $116,619,250 | 2,965 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6335% | 1,741 |
| Cost of funding earning assets | 0.2488% | 2,287 |
| Net interest margin | 3.3847% | 1,652 |
| Noninterest income to average assets | 0.6044% | 1,723 |
| Noninterest expense to average assets | 3.0862% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6545% | 3,459 |
| Return on assets (ROA) | 0.6545% | 3,410 |
| Pretax return on assets | 0.6545% | 3,702 |
| Return on Equity (ROE) | 5.7230% | 3,646 |
| Retained earnings to average equity (ytd only) | 5.7230% | 2,426 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5027% | 763 |
| Assets per employee ($millions) | 8.5173% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 4,223 |
| Loan loss allowance to noncurrent loans | 211.3082% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 2.7079% | 78 |
| Noncurrent loans to loans | 0.3639% | 2,057 |
| Net loans and leases to total assets | 65.6260% | 1,740 |
| Net loans and leases to deposits | 74.7329% | 1,783 |
| Net loans and leases to core deposits | 77.2823% | 1,903 |
| Total domestic deposits to total assets | 87.8141% | 2,649 |
| Equity capital to assets | 11.6901% | 965 |
| Core capital (leverage) ratio | 10.9134% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1044% | 1,410 |
| Memoranda: | ||
| Average total assets | $199,536,333 | 3,100 |
| Average earning assets | $184,893,000 | 3,101 |
| Average equity | $22,820,333 | 2,830 |
| Average total loans | $115,152,000 | 3,001 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3344% | 2,280 |
| Cost of funding earning assets | 0.2737% | 1,889 |
| Net interest margin | 3.0607% | 2,289 |
| Noninterest income to average assets | 0.4435% | 2,422 |
| Noninterest expense to average assets | 2.8500% | 1,060 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4435% | 3,863 |
| Return on assets (ROA) | 0.4435% | 3,827 |
| Pretax return on assets | 0.4435% | 3,963 |
| Return on Equity (ROE) | 3.9179% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.9179% | 2,961 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5328% | 708 |
| Assets per employee ($millions) | 8.6973% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 4,112 |
| Loan loss allowance to noncurrent loans | 211.3082% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 2.5365% | 92 |
| Noncurrent loans to loans | 0.4121% | 2,017 |
| Net loans and leases to total assets | 54.2375% | 2,727 |
| Net loans and leases to deposits | 61.4992% | 2,758 |
| Net loans and leases to core deposits | 63.5436% | 2,830 |
| Total domestic deposits to total assets | 88.1922% | 2,437 |
| Equity capital to assets | 11.3894% | 1,166 |
| Core capital (leverage) ratio | 10.0864% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1918% | 1,217 |
| Memoranda: | ||
| Average total assets | $205,614,500 | 3,071 |
| Average earning assets | $191,461,500 | 3,068 |
| Average equity | $23,278,000 | 2,885 |
| Average total loans | $110,766,500 | 3,054 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3090% | 3,177 |
| Cost of funding earning assets | 0.3619% | 1,835 |
| Net interest margin | 2.9471% | 3,332 |
| Noninterest income to average assets | 0.6013% | 2,150 |
| Noninterest expense to average assets | 2.9884% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8694% | 438 |
| Return on assets (ROA) | 1.8694% | 467 |
| Pretax return on assets | 0.3912% | 4,401 |
| Return on Equity (ROE) | 17.3772% | 533 |
| Retained earnings to average equity (ytd only) | 17.3772% | 110 |
| Net charge-offs to loans | 0.1373% | 678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 5.1788% | 2,462 |
| Efficiency ratio | 88.4251% | 371 |
| Assets per employee ($millions) | 10.0568% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 4,178 |
| Loan loss allowance to noncurrent loans | 206.2771% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 2.4078% | 113 |
| Noncurrent loans to loans | 0.4122% | 2,120 |
| Net loans and leases to total assets | 52.6213% | 2,999 |
| Net loans and leases to deposits | 59.6234% | 3,105 |
| Net loans and leases to core deposits | 61.8345% | 3,180 |
| Total domestic deposits to total assets | 88.2562% | 1,900 |
| Equity capital to assets | 11.2566% | 1,630 |
| Core capital (leverage) ratio | 9.5621% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6193% | 1,358 |
| Memoranda: | ||
| Average total assets | $199,907,800 | 3,065 |
| Average earning assets | $188,454,800 | 3,044 |
| Average equity | $21,505,200 | 3,096 |
| Average total loans | $109,974,400 | 3,080 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2197% | 3,570 |
| Cost of funding earning assets | 0.3800% | 1,854 |
| Net interest margin | 2.8397% | 3,686 |
| Noninterest income to average assets | 0.9850% | 1,095 |
| Noninterest expense to average assets | 2.8846% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7847% | 3,564 |
| Return on assets (ROA) | 0.7847% | 3,630 |
| Pretax return on assets | 0.7847% | 3,917 |
| Return on Equity (ROE) | 7.3866% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.3866% | 2,274 |
| Net charge-offs to loans | 0.1840% | 467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 7.6821% | 2,124 |
| Efficiency ratio | 78.6136% | 835 |
| Assets per employee ($millions) | 9.1740% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 4,283 |
| Loan loss allowance to noncurrent loans | 186.4971% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 2.8935% | 89 |
| Noncurrent loans to loans | 0.4540% | 2,202 |
| Net loans and leases to total assets | 55.2968% | 2,817 |
| Net loans and leases to deposits | 63.0376% | 2,951 |
| Net loans and leases to core deposits | 65.4345% | 3,005 |
| Total domestic deposits to total assets | 87.7203% | 1,996 |
| Equity capital to assets | 10.5906% | 2,378 |
| Core capital (leverage) ratio | 10.2269% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7131% | 1,422 |
| Memoranda: | ||
| Average total assets | $197,086,750 | 3,122 |
| Average earning assets | $186,306,250 | 3,092 |
| Average equity | $20,938,250 | 3,170 |
| Average total loans | $109,446,750 | 3,123 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0758% | 3,918 |
| Cost of funding earning assets | 0.3916% | 1,958 |
| Net interest margin | 2.6841% | 4,012 |
| Noninterest income to average assets | 1.4158% | 599 |
| Noninterest expense to average assets | 2.9032% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0506% | 2,718 |
| Return on assets (ROA) | 1.0506% | 2,795 |
| Pretax return on assets | 1.0506% | 3,332 |
| Return on Equity (ROE) | 9.8785% | 2,791 |
| Retained earnings to average equity (ytd only) | 9.8785% | 1,433 |
| Net charge-offs to loans | 0.2786% | 313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 6.8013% | 1,942 |
| Efficiency ratio | 73.4282% | 1,294 |
| Assets per employee ($millions) | 8.8293% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,209 |
| Loan loss allowance to noncurrent loans | 186.4971% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 3.0065% | 91 |
| Noncurrent loans to loans | 0.4727% | 2,256 |
| Net loans and leases to total assets | 55.1582% | 2,996 |
| Net loans and leases to deposits | 63.2099% | 3,082 |
| Net loans and leases to core deposits | 66.5677% | 3,066 |
| Total domestic deposits to total assets | 87.2620% | 2,189 |
| Equity capital to assets | 10.9558% | 2,014 |
| Core capital (leverage) ratio | 10.2321% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2068% | 1,290 |
| Memoranda: | ||
| Average total assets | $195,506,000 | 3,135 |
| Average earning assets | $184,863,667 | 3,104 |
| Average equity | $20,792,667 | 3,174 |
| Average total loans | $108,409,667 | 3,143 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9700% | 4,149 |
| Cost of funding earning assets | 0.3969% | 2,125 |
| Net interest margin | 2.5731% | 4,197 |
| Noninterest income to average assets | 1.4439% | 647 |
| Noninterest expense to average assets | 2.7308% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1461% | 2,344 |
| Return on assets (ROA) | 1.1461% | 2,412 |
| Pretax return on assets | 1.1461% | 3,001 |
| Return on Equity (ROE) | 10.9400% | 2,383 |
| Retained earnings to average equity (ytd only) | 10.9400% | 1,416 |
| Net charge-offs to loans | 0.5563% | 143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 3.7219% | 1,751 |
| Efficiency ratio | 70.4366% | 1,653 |
| Assets per employee ($millions) | 9.0369% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 4,334 |
| Loan loss allowance to noncurrent loans | 186.4971% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 2.9903% | 98 |
| Noncurrent loans to loans | 0.4480% | 2,516 |
| Net loans and leases to total assets | 56.8952% | 2,927 |
| Net loans and leases to deposits | 64.8400% | 3,044 |
| Net loans and leases to core deposits | 68.3729% | 3,032 |
| Total domestic deposits to total assets | 87.7472% | 1,981 |
| Equity capital to assets | 10.4295% | 2,337 |
| Core capital (leverage) ratio | 10.2452% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9070% | 945 |
| Memoranda: | ||
| Average total assets | $196,136,500 | 3,116 |
| Average earning assets | $185,455,500 | 3,091 |
| Average equity | $20,548,500 | 3,194 |
| Average total loans | $108,567,000 | 3,150 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4751% | 4,072 |
| Cost of funding earning assets | 0.5183% | 2,822 |
| Net interest margin | 2.9568% | 3,993 |
| Noninterest income to average assets | 0.9607% | 1,119 |
| Noninterest expense to average assets | 3.2674% | 946 |
| Loan and lease loss provision to assets | 0.1195% | 2,868 |
| Net operating income to assets | 0.7554% | 3,248 |
| Return on assets (ROA) | 0.8091% | 3,174 |
| Pretax return on assets | 0.4689% | 4,325 |
| Return on Equity (ROE) | 7.3038% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.3038% | 1,282 |
| Net charge-offs to loans | -0.0079% | 4,212 |
| Credit loss provision to net charge-offs | -2,612.5000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9377% | 535 |
| Assets per employee ($millions) | 8.7937% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 3,592 |
| Loan loss allowance to noncurrent loans | 127.9258% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 3.2549% | 98 |
| Noncurrent loans to loans | 0.8373% | 1,675 |
| Net loans and leases to total assets | 52.7044% | 3,613 |
| Net loans and leases to deposits | 60.1034% | 3,753 |
| Net loans and leases to core deposits | 62.8730% | 3,778 |
| Total domestic deposits to total assets | 87.6896% | 1,613 |
| Equity capital to assets | 10.5251% | 2,651 |
| Core capital (leverage) ratio | 10.1308% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6357% | 1,118 |
| Memoranda: | ||
| Average total assets | $174,880,400 | 3,151 |
| Average earning assets | $168,051,800 | 3,089 |
| Average equity | $19,373,400 | 3,247 |
| Average total loans | $101,775,400 | 3,200 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 4,034 |
| Cost of funding earning assets | 0.5363% | 3,012 |
| Net interest margin | 3.0540% | 3,851 |
| Noninterest income to average assets | 1.1552% | 787 |
| Noninterest expense to average assets | 3.4970% | 710 |
| Loan and lease loss provision to assets | 0.1639% | 2,362 |
| Net operating income to assets | 0.4425% | 4,181 |
| Return on assets (ROA) | 0.5161% | 4,085 |
| Pretax return on assets | 0.5161% | 4,251 |
| Return on Equity (ROE) | 4.5939% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.5939% | 2,748 |
| Net charge-offs to loans | -0.0079% | 4,169 |
| Credit loss provision to net charge-offs | -3,483.3333% | 4,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2262% | 546 |
| Assets per employee ($millions) | 8.0287% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,531 |
| Loan loss allowance to noncurrent loans | 27.9980% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 3.4583% | 112 |
| Noncurrent loans to loans | 3.7038% | 195 |
| Net loans and leases to total assets | 56.9525% | 3,529 |
| Net loans and leases to deposits | 65.0840% | 3,694 |
| Net loans and leases to core deposits | 67.6117% | 3,780 |
| Total domestic deposits to total assets | 87.5062% | 1,448 |
| Equity capital to assets | 10.6169% | 2,693 |
| Core capital (leverage) ratio | 10.5232% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5556% | 1,123 |
| Memoranda: | ||
| Average total assets | $170,235,000 | 3,174 |
| Average earning assets | $164,329,000 | 3,109 |
| Average equity | $19,126,250 | 3,266 |
| Average total loans | $101,452,500 | 3,215 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7869% | 3,891 |
| Cost of funding earning assets | 0.5655% | 3,153 |
| Net interest margin | 3.2213% | 3,607 |
| Noninterest income to average assets | 1.1522% | 752 |
| Noninterest expense to average assets | 3.6149% | 635 |
| Loan and lease loss provision to assets | 0.2043% | 2,009 |
| Net operating income to assets | 0.4389% | 4,147 |
| Return on assets (ROA) | 0.5525% | 3,960 |
| Pretax return on assets | 0.5525% | 4,154 |
| Return on Equity (ROE) | 4.8190% | 3,883 |
| Retained earnings to average equity (ytd only) | 4.8190% | 2,561 |
| Net charge-offs to loans | -0.0080% | 4,146 |
| Credit loss provision to net charge-offs | -4,225.0000% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8949% | 590 |
| Assets per employee ($millions) | 6.9520% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 3,429 |
| Loan loss allowance to noncurrent loans | 28.0275% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 3.4478% | 116 |
| Noncurrent loans to loans | 3.6635% | 205 |
| Net loans and leases to total assets | 56.5283% | 3,642 |
| Net loans and leases to deposits | 64.7618% | 3,824 |
| Net loans and leases to core deposits | 66.6523% | 3,945 |
| Total domestic deposits to total assets | 87.2864% | 1,502 |
| Equity capital to assets | 10.7401% | 2,535 |
| Core capital (leverage) ratio | 10.6526% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2706% | 1,008 |
| Memoranda: | ||
| Average total assets | $165,427,000 | 3,197 |
| Average earning assets | $159,499,000 | 3,136 |
| Average equity | $18,966,667 | 3,273 |
| Average total loans | $99,846,667 | 3,234 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 3,369 |
| Cost of funding earning assets | 0.6267% | 3,296 |
| Net interest margin | 3.5258% | 2,893 |
| Noninterest income to average assets | 0.5629% | 2,217 |
| Noninterest expense to average assets | 3.8386% | 593 |
| Loan and lease loss provision to assets | 0.0482% | 3,175 |
| Net operating income to assets | 0.0710% | 4,689 |
| Return on assets (ROA) | 0.2586% | 4,456 |
| Pretax return on assets | 0.2586% | 4,511 |
| Return on Equity (ROE) | 2.1768% | 4,410 |
| Retained earnings to average equity (ytd only) | 2.1768% | 3,379 |
| Net charge-offs to loans | -0.0082% | 4,005 |
| Credit loss provision to net charge-offs | -950.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9891% | 299 |
| Assets per employee ($millions) | 5.8817% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 4,112 |
| Loan loss allowance to noncurrent loans | 21.8848% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 4.1554% | 95 |
| Noncurrent loans to loans | 4.1082% | 184 |
| Net loans and leases to total assets | 63.0237% | 3,187 |
| Net loans and leases to deposits | 73.5019% | 3,323 |
| Net loans and leases to core deposits | 76.1933% | 3,483 |
| Total domestic deposits to total assets | 85.7443% | 2,107 |
| Equity capital to assets | 11.9888% | 2,081 |
| Core capital (leverage) ratio | 12.1469% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3352% | 1,096 |
| Memoranda: | ||
| Average total assets | $157,764,500 | 3,235 |
| Average earning assets | $151,907,000 | 3,172 |
| Average equity | $18,743,500 | 3,295 |
| Average total loans | $98,152,000 | 3,249 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 2,675 |
| Cost of funding earning assets | 0.6274% | 3,522 |
| Net interest margin | 3.9556% | 1,981 |
| Noninterest income to average assets | 1.1105% | 775 |
| Noninterest expense to average assets | 4.5343% | 296 |
| Loan and lease loss provision to assets | 0.1479% | 1,449 |
| Net operating income to assets | 0.2225% | 4,825 |
| Return on assets (ROA) | 0.2558% | 4,816 |
| Pretax return on assets | 0.2558% | 4,852 |
| Return on Equity (ROE) | 1.9242% | 4,808 |
| Retained earnings to average equity (ytd only) | 1.9242% | 4,032 |
| Net charge-offs to loans | -0.0110% | 4,493 |
| Credit loss provision to net charge-offs | -2,222.2222% | 4,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4480% | 279 |
| Assets per employee ($millions) | 6.0278% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 3,840 |
| Loan loss allowance to noncurrent loans | 25.6804% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 3.7672% | 112 |
| Noncurrent loans to loans | 3.6240% | 220 |
| Net loans and leases to total assets | 60.2487% | 3,562 |
| Net loans and leases to deposits | 70.1915% | 3,653 |
| Net loans and leases to core deposits | 72.7770% | 3,813 |
| Total domestic deposits to total assets | 85.8348% | 2,126 |
| Equity capital to assets | 11.7712% | 2,305 |
| Core capital (leverage) ratio | 12.6643% | 1,397 |
| Tier 1 risk-based capital ratio | 18.4680% | 1,640 |
| Total risk-based capital ratio | 19.3559% | 1,693 |
| Memoranda: | ||
| Average total assets | $135,258,600 | 3,502 |
| Average earning assets | $129,741,600 | 3,429 |
| Average equity | $17,981,200 | 3,344 |
| Average total loans | $82,183,600 | 3,556 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6505% | 2,565 |
| Cost of funding earning assets | 0.6063% | 3,664 |
| Net interest margin | 4.0441% | 1,790 |
| Noninterest income to average assets | 0.8663% | 1,222 |
| Noninterest expense to average assets | 4.5431% | 290 |
| Loan and lease loss provision to assets | 0.2053% | 856 |
| Net operating income to assets | -0.0072% | 5,065 |
| Return on assets (ROA) | 0.0298% | 5,069 |
| Pretax return on assets | 0.0298% | 5,067 |
| Return on Equity (ROE) | 0.2165% | 5,072 |
| Retained earnings to average equity (ytd only) | 0.2165% | 4,722 |
| Net charge-offs to loans | -0.0118% | 4,428 |
| Credit loss provision to net charge-offs | -2,857.1429% | 4,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8216% | 202 |
| Assets per employee ($millions) | 5.5688% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,523 |
| Loan loss allowance to noncurrent loans | 25.5485% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 4.0845% | 104 |
| Noncurrent loans to loans | 3.9504% | 175 |
| Net loans and leases to total assets | 59.9510% | 3,676 |
| Net loans and leases to deposits | 70.6203% | 3,722 |
| Net loans and leases to core deposits | 73.6161% | 3,851 |
| Total domestic deposits to total assets | 84.8919% | 2,460 |
| Equity capital to assets | 12.6300% | 1,824 |
| Core capital (leverage) ratio | 13.0251% | 1,329 |
| Tier 1 risk-based capital ratio | 19.0346% | 1,559 |
| Total risk-based capital ratio | 19.9637% | 1,603 |
| Memoranda: | ||
| Average total assets | $129,892,750 | 3,603 |
| Average earning assets | $124,458,000 | 3,540 |
| Average equity | $17,864,500 | 3,379 |
| Average total loans | $78,902,000 | 3,659 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 2,587 |
| Cost of funding earning assets | 0.5305% | 3,984 |
| Net interest margin | 4.0980% | 1,610 |
| Noninterest income to average assets | 1.1207% | 676 |
| Noninterest expense to average assets | 4.7388% | 256 |
| Loan and lease loss provision to assets | 0.3202% | 417 |
| Net operating income to assets | -0.0176% | 5,105 |
| Return on assets (ROA) | 0.0400% | 5,096 |
| Pretax return on assets | 0.0400% | 5,097 |
| Return on Equity (ROE) | 0.2821% | 5,097 |
| Retained earnings to average equity (ytd only) | 0.2821% | 4,616 |
| Net charge-offs to loans | -0.0105% | 4,340 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9981% | 236 |
| Assets per employee ($millions) | 5.3938% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,724 |
| Loan loss allowance to noncurrent loans | 25.3521% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 4.5845% | 86 |
| Noncurrent loans to loans | 3.8791% | 189 |
| Net loans and leases to total assets | 65.8556% | 3,130 |
| Net loans and leases to deposits | 79.1104% | 3,046 |
| Net loans and leases to core deposits | 81.7165% | 3,284 |
| Total domestic deposits to total assets | 83.2452% | 3,131 |
| Equity capital to assets | 13.4265% | 1,363 |
| Core capital (leverage) ratio | 13.9385% | 987 |
| Tier 1 risk-based capital ratio | 19.2083% | 1,511 |
| Total risk-based capital ratio | 20.1431% | 1,546 |
| Memoranda: | ||
| Average total assets | $124,927,000 | 3,692 |
| Average earning assets | $119,520,670 | 3,627 |
| Average equity | $17,723,670 | 3,390 |
| Average total loans | $75,973,330 | 3,732 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 3,127 |
| Cost of funding earning assets | 0.4469% | 4,302 |
| Net interest margin | 3.9799% | 1,912 |
| Noninterest income to average assets | 0.9469% | 922 |
| Noninterest expense to average assets | 4.6146% | 262 |
| Loan and lease loss provision to assets | 0.1067% | 1,671 |
| Net operating income to assets | 0.0267% | 5,130 |
| Return on assets (ROA) | 0.0267% | 5,132 |
| Pretax return on assets | 0.0267% | 5,131 |
| Return on Equity (ROE) | 0.1825% | 5,135 |
| Retained earnings to average equity (ytd only) | 0.1825% | 4,486 |
| Net charge-offs to loans | -0.0116% | 4,281 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1910% | 209 |
| Assets per employee ($millions) | 4.8110% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 4,049 |
| Loan loss allowance to noncurrent loans | 20.3778% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 5.3003% | 61 |
| Noncurrent loans to loans | 4.5410% | 147 |
| Net loans and leases to total assets | 63.3809% | 3,364 |
| Net loans and leases to deposits | 76.3175% | 3,230 |
| Net loans and leases to core deposits | 78.2903% | 3,493 |
| Total domestic deposits to total assets | 83.0490% | 3,369 |
| Equity capital to assets | 14.7394% | 811 |
| Core capital (leverage) ratio | 14.9794% | 697 |
| Tier 1 risk-based capital ratio | 21.8397% | 1,070 |
| Total risk-based capital ratio | 22.6986% | 1,094 |
| Memoranda: | ||
| Average total assets | $119,968,000 | 3,806 |
| Average earning assets | $114,575,000 | 3,737 |
| Average equity | $17,533,000 | 3,410 |
| Average total loans | $69,117,500 | 3,883 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 3,767 |
| Cost of funding earning assets | 0.4102% | 3,925 |
| Net interest margin | 3.6810% | 3,111 |
| Noninterest income to average assets | 0.2379% | 4,493 |
| Noninterest expense to average assets | 4.7482% | 246 |
| Loan and lease loss provision to assets | 0.0933% | 2,286 |
| Net operating income to assets | -1.1542% | 5,343 |
| Return on assets (ROA) | -1.1840% | 5,341 |
| Pretax return on assets | -1.1840% | 5,344 |
| Return on Equity (ROE) | -8.7281% | 5,341 |
| Retained earnings to average equity (ytd only) | -8.7281% | 5,303 |
| Net charge-offs to loans | -0.0587% | 5,022 |
| Credit loss provision to net charge-offs | -294.1176% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.7702% | 43 |
| Assets per employee ($millions) | 5.2026% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,059 |
| Loan loss allowance to noncurrent loans | 19.2286% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 5.4296% | 62 |
| Noncurrent loans to loans | 5.7529% | 85 |
| Net loans and leases to total assets | 50.6544% | 4,480 |
| Net loans and leases to deposits | 60.9262% | 4,433 |
| Net loans and leases to core deposits | 61.7190% | 4,553 |
| Total domestic deposits to total assets | 83.1406% | 3,281 |
| Equity capital to assets | 14.4894% | 842 |
| Core capital (leverage) ratio | 15.8807% | 529 |
| Tier 1 risk-based capital ratio | 26.9798% | 615 |
| Total risk-based capital ratio | 27.9908% | 619 |
| Memoranda: | ||
| Average total assets | $107,176,800 | 3,983 |
| Average earning assets | $100,433,600 | 3,969 |
| Average equity | $14,539,200 | 3,694 |
| Average total loans | $57,925,200 | 4,145 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1002% | 3,627 |
| Cost of funding earning assets | 0.4015% | 3,846 |
| Net interest margin | 3.6987% | 3,026 |
| Noninterest income to average assets | 0.5830% | 2,399 |
| Noninterest expense to average assets | 4.6397% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.6099% | 5,401 |
| Return on assets (ROA) | -0.6509% | 5,396 |
| Pretax return on assets | -0.6509% | 5,397 |
| Return on Equity (ROE) | -4.8941% | 5,392 |
| Retained earnings to average equity (ytd only) | -4.8941% | 5,313 |
| Net charge-offs to loans | -0.0747% | 5,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1351% | 70 |
| Assets per employee ($millions) | 4.5037% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,170 |
| Loan loss allowance to noncurrent loans | 16.0223% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 7.6671% | 39 |
| Noncurrent loans to loans | 5.7633% | 90 |
| Net loans and leases to total assets | 59.6615% | 3,881 |
| Net loans and leases to deposits | 75.3864% | 3,467 |
| Net loans and leases to core deposits | 77.1182% | 3,729 |
| Total domestic deposits to total assets | 79.1410% | 4,295 |
| Equity capital to assets | 17.1259% | 412 |
| Core capital (leverage) ratio | 17.5015% | 374 |
| Tier 1 risk-based capital ratio | 27.6988% | 587 |
| Total risk-based capital ratio | 28.5464% | 602 |
| Memoranda: | ||
| Average total assets | $104,056,000 | 4,076 |
| Average earning assets | $96,968,000 | 4,062 |
| Average equity | $13,839,500 | 3,796 |
| Average total loans | $57,083,750 | 4,205 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 3,782 |
| Cost of funding earning assets | 0.4062% | 3,677 |
| Net interest margin | 3.5957% | 3,326 |
| Noninterest income to average assets | 0.6928% | 1,897 |
| Noninterest expense to average assets | 4.3008% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.2610% | 5,405 |
| Return on assets (ROA) | -0.3224% | 5,410 |
| Pretax return on assets | -0.3224% | 5,411 |
| Return on Equity (ROE) | -2.6796% | 5,408 |
| Retained earnings to average equity (ytd only) | -2.6796% | 5,196 |
| Net charge-offs to loans | 0.0072% | 2,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -68.0000% | 3,202 |
| Efficiency ratio | 106.4608% | 112 |
| Assets per employee ($millions) | 4.6306% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,771 |
| Loan loss allowance to noncurrent loans | 14.8331% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 7.8725% | 38 |
| Noncurrent loans to loans | 6.8087% | 64 |
| Net loans and leases to total assets | 52.1483% | 4,467 |
| Net loans and leases to deposits | 66.8811% | 4,110 |
| Net loans and leases to core deposits | 68.4636% | 4,228 |
| Total domestic deposits to total assets | 77.9716% | 4,591 |
| Equity capital to assets | 17.5817% | 360 |
| Core capital (leverage) ratio | 19.1699% | 260 |
| Tier 1 risk-based capital ratio | 32.8578% | 380 |
| Total risk-based capital ratio | 33.8019% | 384 |
| Memoranda: | ||
| Average total assets | $104,212,670 | 4,110 |
| Average earning assets | $97,005,000 | 4,095 |
| Average equity | $12,539,330 | 4,002 |
| Average total loans | $55,319,330 | 4,277 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 3,653 |
| Cost of funding earning assets | 0.4126% | 3,498 |
| Net interest margin | 3.5748% | 3,266 |
| Noninterest income to average assets | 0.5656% | 2,441 |
| Noninterest expense to average assets | 4.1677% | 427 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2809% | 5,467 |
| Return on assets (ROA) | -0.3264% | 5,469 |
| Pretax return on assets | -0.3264% | 5,471 |
| Return on Equity (ROE) | -3.4911% | 5,480 |
| Retained earnings to average equity (ytd only) | -3.4911% | 5,115 |
| Net charge-offs to loans | 0.0285% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -18.5000% | 2,706 |
| Efficiency ratio | 107.2266% | 119 |
| Assets per employee ($millions) | 4.3323% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,996 |
| Loan loss allowance to noncurrent loans | 14.6421% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 8.1129% | 34 |
| Noncurrent loans to loans | 6.7933% | 80 |
| Net loans and leases to total assets | 53.9410% | 4,286 |
| Net loans and leases to deposits | 62.3654% | 4,314 |
| Net loans and leases to core deposits | 64.0708% | 4,417 |
| Total domestic deposits to total assets | 86.4919% | 2,319 |
| Equity capital to assets | 9.6674% | 3,922 |
| Core capital (leverage) ratio | 9.8563% | 3,701 |
| Tier 1 risk-based capital ratio | 18.6734% | 1,641 |
| Total risk-based capital ratio | 19.6404% | 1,691 |
| Memoranda: | ||
| Average total assets | $105,382,500 | 4,135 |
| Average earning assets | $97,906,500 | 4,130 |
| Average equity | $9,853,500 | 4,449 |
| Average total loans | $56,145,500 | 4,302 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 2,398 |
| Cost of funding earning assets | 0.4603% | 2,684 |
| Net interest margin | 3.8187% | 2,358 |
| Noninterest income to average assets | 1.0090% | 1,001 |
| Noninterest expense to average assets | 4.2884% | 382 |
| Loan and lease loss provision to assets | 0.0352% | 3,565 |
| Net operating income to assets | 0.1209% | 5,233 |
| Return on assets (ROA) | 0.1257% | 5,231 |
| Pretax return on assets | 0.1257% | 5,361 |
| Return on Equity (ROE) | 1.3170% | 5,183 |
| Retained earnings to average equity (ytd only) | 1.3170% | 4,490 |
| Net charge-offs to loans | 0.1427% | 1,646 |
| Credit loss provision to net charge-offs | 44.0476% | 3,402 |
| Earnings coverage of net charge-offs (x) | 1.9524% | 3,825 |
| Efficiency ratio | 96.4875% | 244 |
| Assets per employee ($millions) | 5.5561% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 4,281 |
| Loan loss allowance to noncurrent loans | 14.9615% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 7.2282% | 42 |
| Noncurrent loans to loans | 6.2687% | 82 |
| Net loans and leases to total assets | 51.7076% | 4,535 |
| Net loans and leases to deposits | 59.1241% | 4,630 |
| Net loans and leases to core deposits | 61.8287% | 4,664 |
| Total domestic deposits to total assets | 87.4560% | 1,786 |
| Equity capital to assets | 9.0658% | 4,651 |
| Core capital (leverage) ratio | 9.5191% | 4,015 |
| Tier 1 risk-based capital ratio | 18.3414% | 1,698 |
| Total risk-based capital ratio | 19.2908% | 1,740 |
| Memoranda: | ||
| Average total assets | $105,050,400 | 4,154 |
| Average earning assets | $94,507,400 | 4,192 |
| Average equity | $10,022,600 | 4,442 |
| Average total loans | $58,885,000 | 4,226 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,143 |
| Cost of funding earning assets | 0.4716% | 2,504 |
| Net interest margin | 3.8682% | 2,155 |
| Noninterest income to average assets | 1.0225% | 982 |
| Noninterest expense to average assets | 4.5305% | 309 |
| Loan and lease loss provision to assets | 0.0476% | 3,148 |
| Net operating income to assets | -0.1017% | 5,549 |
| Return on assets (ROA) | -0.0953% | 5,551 |
| Pretax return on assets | -0.0953% | 5,540 |
| Return on Equity (ROE) | -0.9856% | 5,559 |
| Retained earnings to average equity (ytd only) | -0.9856% | 5,350 |
| Net charge-offs to loans | -0.0135% | 4,730 |
| Credit loss provision to net charge-offs | -616.6667% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2083% | 160 |
| Assets per employee ($millions) | 4.8060% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,641 |
| Loan loss allowance to noncurrent loans | 17.1398% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 7.6562% | 40 |
| Noncurrent loans to loans | 6.2684% | 94 |
| Net loans and leases to total assets | 55.2118% | 4,301 |
| Net loans and leases to deposits | 64.4483% | 4,351 |
| Net loans and leases to core deposits | 66.4179% | 4,456 |
| Total domestic deposits to total assets | 85.6683% | 2,444 |
| Equity capital to assets | 9.5119% | 4,432 |
| Core capital (leverage) ratio | 9.7058% | 3,930 |
| Tier 1 risk-based capital ratio | 16.7322% | 2,241 |
| Total risk-based capital ratio | 17.7622% | 2,275 |
| Memoranda: | ||
| Average total assets | $103,532,750 | 4,213 |
| Average earning assets | $92,444,000 | 4,268 |
| Average equity | $10,009,750 | 4,485 |
| Average total loans | $59,105,750 | 4,266 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 1,889 |
| Cost of funding earning assets | 0.4753% | 2,372 |
| Net interest margin | 3.9018% | 1,922 |
| Noninterest income to average assets | 1.0292% | 958 |
| Noninterest expense to average assets | 4.5856% | 291 |
| Loan and lease loss provision to assets | 0.0720% | 2,530 |
| Net operating income to assets | -0.1790% | 5,615 |
| Return on assets (ROA) | -0.1790% | 5,616 |
| Pretax return on assets | -0.1790% | 5,603 |
| Return on Equity (ROE) | -1.8411% | 5,622 |
| Retained earnings to average equity (ytd only) | -1.8411% | 5,333 |
| Net charge-offs to loans | -0.0135% | 4,637 |
| Credit loss provision to net charge-offs | -925.0000% | 4,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3892% | 167 |
| Assets per employee ($millions) | 4.1850% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 4,143 |
| Loan loss allowance to noncurrent loans | 148.3568% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 4.8497% | 113 |
| Noncurrent loans to loans | 0.6746% | 2,730 |
| Net loans and leases to total assets | 62.2457% | 3,603 |
| Net loans and leases to deposits | 75.5919% | 3,388 |
| Net loans and leases to core deposits | 77.8781% | 3,608 |
| Total domestic deposits to total assets | 82.3445% | 3,787 |
| Equity capital to assets | 10.0111% | 3,897 |
| Core capital (leverage) ratio | 9.7330% | 3,858 |
| Tier 1 risk-based capital ratio | 16.4377% | 2,345 |
| Total risk-based capital ratio | 17.4485% | 2,368 |
| Memoranda: | ||
| Average total assets | $102,800,000 | 4,260 |
| Average earning assets | $90,881,330 | 4,334 |
| Average equity | $9,994,000 | 4,510 |
| Average total loans | $59,137,670 | 4,286 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 1,855 |
| Cost of funding earning assets | 0.4968% | 2,116 |
| Net interest margin | 3.8413% | 1,980 |
| Noninterest income to average assets | 1.6041% | 429 |
| Noninterest expense to average assets | 4.5008% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4347% | 4,841 |
| Return on assets (ROA) | 0.4347% | 4,861 |
| Pretax return on assets | 0.4347% | 5,094 |
| Return on Equity (ROE) | 4.5366% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.5366% | 3,158 |
| Net charge-offs to loans | -0.0140% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1925% | 495 |
| Assets per employee ($millions) | 4.0850% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 4,053 |
| Loan loss allowance to noncurrent loans | 135.0797% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 4.8314% | 129 |
| Noncurrent loans to loans | 0.7674% | 2,555 |
| Net loans and leases to total assets | 55.4365% | 4,212 |
| Net loans and leases to deposits | 65.0870% | 4,246 |
| Net loans and leases to core deposits | 66.9497% | 4,364 |
| Total domestic deposits to total assets | 85.1729% | 3,013 |
| Equity capital to assets | 9.8508% | 3,932 |
| Core capital (leverage) ratio | 9.7640% | 3,796 |
| Tier 1 risk-based capital ratio | 15.9479% | 2,573 |
| Total risk-based capital ratio | 16.8503% | 2,649 |
| Memoranda: | ||
| Average total assets | $103,980,500 | 4,282 |
| Average earning assets | $90,178,500 | 4,393 |
| Average equity | $9,963,500 | 4,550 |
| Average total loans | $57,131,000 | 4,375 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7603% | 945 |
| Cost of funding earning assets | 0.5567% | 1,627 |
| Net interest margin | 4.2035% | 1,106 |
| Noninterest income to average assets | 0.7160% | 2,096 |
| Noninterest expense to average assets | 4.7644% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.7670% | 5,816 |
| Return on assets (ROA) | -0.7360% | 5,819 |
| Pretax return on assets | -0.7360% | 5,809 |
| Return on Equity (ROE) | -6.8815% | 5,810 |
| Retained earnings to average equity (ytd only) | -6.8815% | 5,724 |
| Net charge-offs to loans | 0.0742% | 2,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -18.2381% | 4,255 |
| Efficiency ratio | 119.1884% | 87 |
| Assets per employee ($millions) | 4.2335% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 4,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 9.3323% | 41 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 53.3500% | 4,495 |
| Net loans and leases to deposits | 63.3551% | 4,451 |
| Net loans and leases to core deposits | 63.7155% | 4,651 |
| Total domestic deposits to total assets | 84.2078% | 3,348 |
| Equity capital to assets | 9.3228% | 4,450 |
| Core capital (leverage) ratio | 9.9764% | 3,509 |
| Tier 1 risk-based capital ratio | 14.8535% | 3,029 |
| Total risk-based capital ratio | 15.7006% | 3,143 |
| Memoranda: | ||
| Average total assets | $99,865,400 | 4,350 |
| Average earning assets | $77,958,000 | 4,629 |
| Average equity | $10,680,800 | 4,464 |
| Average total loans | $56,581,000 | 4,396 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 813 |
| Cost of funding earning assets | 0.5570% | 1,632 |
| Net interest margin | 4.2915% | 944 |
| Noninterest income to average assets | 0.8078% | 1,731 |
| Noninterest expense to average assets | 4.6489% | 337 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.5096% | 5,857 |
| Return on assets (ROA) | -0.4893% | 5,858 |
| Pretax return on assets | -0.4893% | 5,850 |
| Return on Equity (ROE) | -4.4222% | 5,854 |
| Retained earnings to average equity (ytd only) | -4.4222% | 5,714 |
| Net charge-offs to loans | 0.0449% | 2,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -19.7916% | 3,933 |
| Efficiency ratio | 112.3117% | 111 |
| Assets per employee ($millions) | 4.1640% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 4,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 10.3337% | 35 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.1038% | 4,083 |
| Net loans and leases to deposits | 71.7316% | 3,832 |
| Net loans and leases to core deposits | 72.6642% | 4,108 |
| Total domestic deposits to total assets | 81.0017% | 4,244 |
| Equity capital to assets | 10.7480% | 3,314 |
| Core capital (leverage) ratio | 9.6851% | 3,958 |
| Tier 1 risk-based capital ratio | 15.7482% | 2,725 |
| Total risk-based capital ratio | 16.6491% | 2,801 |
| Memoranda: | ||
| Average total assets | $98,372,500 | 4,410 |
| Average earning assets | $76,365,750 | 4,702 |
| Average equity | $10,884,250 | 4,483 |
| Average total loans | $56,462,500 | 4,428 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 615 |
| Cost of funding earning assets | 0.5598% | 1,618 |
| Net interest margin | 4.4211% | 726 |
| Noninterest income to average assets | 0.9831% | 1,164 |
| Noninterest expense to average assets | 4.5947% | 353 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2861% | 5,871 |
| Return on assets (ROA) | -0.2575% | 5,882 |
| Pretax return on assets | -0.2575% | 5,872 |
| Return on Equity (ROE) | -2.3052% | 5,879 |
| Retained earnings to average equity (ytd only) | -2.3052% | 5,567 |
| Net charge-offs to loans | 0.0790% | 2,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -6.3636% | 3,635 |
| Efficiency ratio | 106.6414% | 168 |
| Assets per employee ($millions) | 3.9048% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 4,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 10.3808% | 40 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.3076% | 4,186 |
| Net loans and leases to deposits | 69.4582% | 4,035 |
| Net loans and leases to core deposits | 70.1153% | 4,314 |
| Total domestic deposits to total assets | 82.5066% | 3,838 |
| Equity capital to assets | 10.7846% | 3,303 |
| Core capital (leverage) ratio | 11.0751% | 2,357 |
| Tier 1 risk-based capital ratio | 15.6529% | 2,799 |
| Total risk-based capital ratio | 16.5251% | 2,881 |
| Memoranda: | ||
| Average total assets | $97,851,670 | 4,451 |
| Average earning assets | $73,602,330 | 4,809 |
| Average equity | $10,932,000 | 4,503 |
| Average total loans | $55,723,330 | 4,481 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 902 |
| Cost of funding earning assets | 0.5494% | 1,718 |
| Net interest margin | 4.2251% | 1,050 |
| Noninterest income to average assets | 0.8624% | 1,408 |
| Noninterest expense to average assets | 4.3035% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3333% | 5,927 |
| Return on assets (ROA) | -0.2916% | 5,918 |
| Pretax return on assets | -0.2916% | 5,914 |
| Return on Equity (ROE) | -2.5633% | 5,926 |
| Retained earnings to average equity (ytd only) | -2.5633% | 5,439 |
| Net charge-offs to loans | 0.1772% | 1,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -3.3333% | 3,031 |
| Efficiency ratio | 108.3945% | 172 |
| Assets per employee ($millions) | 4.0916% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 3,866 |
| Loan loss allowance to noncurrent loans | 1,384.0909% | 436 |
| Noncurrent assets plus other real estate owned to assets | 12.9726% | 32 |
| Noncurrent loans to loans | 0.0819% | 5,154 |
| Net loans and leases to total assets | 56.4268% | 4,206 |
| Net loans and leases to deposits | 69.5631% | 3,892 |
| Net loans and leases to core deposits | 70.5193% | 4,201 |
| Total domestic deposits to total assets | 81.1160% | 4,465 |
| Equity capital to assets | 11.6379% | 2,300 |
| Core capital (leverage) ratio | 11.4377% | 2,017 |
| Tier 1 risk-based capital ratio | 16.4826% | 2,482 |
| Total risk-based capital ratio | 17.3938% | 2,565 |
| Memoranda: | ||
| Average total assets | $96,015,500 | 4,532 |
| Average earning assets | $70,625,500 | 4,907 |
| Average equity | $10,923,500 | 4,525 |
| Average total loans | $54,189,000 | 4,547 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 577 |
| Cost of funding earning assets | 0.6913% | 860 |
| Net interest margin | 4.3511% | 873 |
| Noninterest income to average assets | 1.3006% | 716 |
| Noninterest expense to average assets | 5.0367% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.4781% | 6,040 |
| Return on assets (ROA) | -0.4112% | 6,031 |
| Pretax return on assets | -0.4112% | 6,021 |
| Return on Equity (ROE) | -4.5024% | 6,039 |
| Retained earnings to average equity (ytd only) | -4.5024% | 5,892 |
| Net charge-offs to loans | 0.1989% | 1,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -4.3600% | 4,391 |
| Efficiency ratio | 110.4883% | 138 |
| Assets per employee ($millions) | 5.1539% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 3,716 |
| Loan loss allowance to noncurrent loans | 1,438.6364% | 437 |
| Noncurrent assets plus other real estate owned to assets | 13.1080% | 35 |
| Noncurrent loans to loans | 0.0805% | 5,176 |
| Net loans and leases to total assets | 55.1800% | 4,366 |
| Net loans and leases to deposits | 67.4224% | 4,180 |
| Net loans and leases to core deposits | 68.7442% | 4,395 |
| Total domestic deposits to total assets | 81.8422% | 4,206 |
| Equity capital to assets | 11.1259% | 2,708 |
| Core capital (leverage) ratio | 12.0483% | 1,591 |
| Tier 1 risk-based capital ratio | 16.0127% | 2,679 |
| Total risk-based capital ratio | 16.9272% | 2,778 |
| Memoranda: | ||
| Average total assets | $91,191,200 | 4,647 |
| Average earning assets | $68,280,800 | 4,980 |
| Average equity | $8,328,800 | 4,999 |
| Average total loans | $50,284,000 | 4,660 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 664 |
| Cost of funding earning assets | 0.7102% | 795 |
| Net interest margin | 4.2572% | 1,045 |
| Noninterest income to average assets | 1.3034% | 709 |
| Noninterest expense to average assets | 4.9395% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.4037% | 6,117 |
| Return on assets (ROA) | -0.3217% | 6,102 |
| Pretax return on assets | -0.3217% | 6,092 |
| Return on Equity (ROE) | -3.7463% | 6,119 |
| Retained earnings to average equity (ytd only) | -3.7463% | 5,978 |
| Net charge-offs to loans | 0.2711% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -2.7100% | 4,093 |
| Efficiency ratio | 108.8998% | 158 |
| Assets per employee ($millions) | 4.5848% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 3,371 |
| Loan loss allowance to noncurrent loans | 19.8184% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 18.4833% | 10 |
| Noncurrent loans to loans | 6.3033% | 125 |
| Net loans and leases to total assets | 57.4428% | 4,208 |
| Net loans and leases to deposits | 72.7586% | 3,676 |
| Net loans and leases to core deposits | 74.4218% | 3,975 |
| Total domestic deposits to total assets | 78.9498% | 4,989 |
| Equity capital to assets | 12.6953% | 1,620 |
| Core capital (leverage) ratio | 12.4509% | 1,441 |
| Tier 1 risk-based capital ratio | 16.9315% | 2,405 |
| Total risk-based capital ratio | 17.8847% | 2,470 |
| Memoranda: | ||
| Average total assets | $89,507,750 | 4,735 |
| Average earning assets | $67,961,500 | 5,044 |
| Average equity | $7,687,250 | 5,177 |
| Average total loans | $49,188,000 | 4,747 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 446 |
| Cost of funding earning assets | 0.7182% | 770 |
| Net interest margin | 4.4567% | 684 |
| Noninterest income to average assets | 0.8704% | 1,539 |
| Noninterest expense to average assets | 4.9232% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.6998% | 6,222 |
| Return on assets (ROA) | -0.6201% | 6,218 |
| Pretax return on assets | -0.6201% | 6,203 |
| Return on Equity (ROE) | -8.5323% | 6,243 |
| Retained earnings to average equity (ytd only) | -8.5323% | 6,144 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5705% | 123 |
| Assets per employee ($millions) | 3.9935% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 2,541 |
| Loan loss allowance to noncurrent loans | 22.5054% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 18.4472% | 10 |
| Noncurrent loans to loans | 6.4177% | 138 |
| Net loans and leases to total assets | 56.9307% | 4,231 |
| Net loans and leases to deposits | 69.2277% | 4,017 |
| Net loans and leases to core deposits | 71.2290% | 4,203 |
| Total domestic deposits to total assets | 82.2368% | 4,218 |
| Equity capital to assets | 7.1378% | 6,174 |
| Core capital (leverage) ratio | 7.4446% | 6,114 |
| Tier 1 risk-based capital ratio | 10.1442% | 6,042 |
| Total risk-based capital ratio | 11.2617% | 6,036 |
| Memoranda: | ||
| Average total assets | $90,306,670 | 4,761 |
| Average earning assets | $67,943,330 | 5,103 |
| Average equity | $6,563,330 | 5,439 |
| Average total loans | $48,693,330 | 4,799 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5485% | 241 |
| Cost of funding earning assets | 0.7418% | 685 |
| Net interest margin | 4.8068% | 350 |
| Noninterest income to average assets | 0.6205% | 2,543 |
| Noninterest expense to average assets | 4.9600% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7997% | 6,298 |
| Return on assets (ROA) | -0.6730% | 6,282 |
| Pretax return on assets | -0.6730% | 6,270 |
| Return on Equity (ROE) | -9.1810% | 6,310 |
| Retained earnings to average equity (ytd only) | -9.1810% | 6,110 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.2227% | 136 |
| Assets per employee ($millions) | 3.8625% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 2,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 15.6693% | 25 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 55.5481% | 4,257 |
| Net loans and leases to deposits | 66.2596% | 4,128 |
| Net loans and leases to core deposits | 68.4434% | 4,293 |
| Total domestic deposits to total assets | 83.8341% | 3,877 |
| Equity capital to assets | 7.9565% | 6,050 |
| Core capital (leverage) ratio | 7.3842% | 6,177 |
| Tier 1 risk-based capital ratio | 10.6020% | 5,982 |
| Total risk-based capital ratio | 11.7482% | 5,963 |
| Memoranda: | ||
| Average total assets | $91,532,000 | 4,775 |
| Average earning assets | $67,405,000 | 5,158 |
| Average equity | $6,709,500 | 5,461 |
| Average total loans | $47,665,000 | 4,862 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 1,485 |
| Cost of funding earning assets | 0.7821% | 711 |
| Net interest margin | 3.8439% | 2,451 |
| Noninterest income to average assets | 1.4417% | 585 |
| Noninterest expense to average assets | 5.0210% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.9389% | 6,370 |
| Return on assets (ROA) | -0.9587% | 6,371 |
| Pretax return on assets | -0.9587% | 6,363 |
| Return on Equity (ROE) | -13.5682% | 6,401 |
| Retained earnings to average equity (ytd only) | -13.5682% | 6,369 |
| Net charge-offs to loans | 0.5382% | 752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -3.7975% | 4,873 |
| Efficiency ratio | 123.0003% | 112 |
| Assets per employee ($millions) | 4.4586% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 2,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 14.1932% | 42 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.5721% | 5,192 |
| Net loans and leases to deposits | 55.2801% | 5,227 |
| Net loans and leases to core deposits | 56.8056% | 5,327 |
| Total domestic deposits to total assets | 86.0565% | 2,805 |
| Equity capital to assets | 6.7877% | 6,350 |
| Core capital (leverage) ratio | 7.2053% | 6,271 |
| Tier 1 risk-based capital ratio | 10.0691% | 6,241 |
| Total risk-based capital ratio | 11.1334% | 6,246 |
| Memoranda: | ||
| Average total assets | $95,857,000 | 4,695 |
| Average earning assets | $65,845,200 | 5,234 |
| Average equity | $6,773,200 | 5,461 |
| Average total loans | $44,032,600 | 5,034 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 1,657 |
| Cost of funding earning assets | 0.7851% | 743 |
| Net interest margin | 3.7802% | 2,691 |
| Noninterest income to average assets | 1.7153% | 446 |
| Noninterest expense to average assets | 5.0562% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.7611% | 6,435 |
| Return on assets (ROA) | -0.7905% | 6,433 |
| Pretax return on assets | -0.7905% | 6,417 |
| Return on Equity (ROE) | -11.0748% | 6,456 |
| Retained earnings to average equity (ytd only) | -11.0748% | 6,395 |
| Net charge-offs to loans | 0.7316% | 466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -2.2954% | 4,576 |
| Efficiency ratio | 117.7199% | 144 |
| Assets per employee ($millions) | 4.4882% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 2,540 |
| Loan loss allowance to noncurrent loans | 172.4706% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 14.7841% | 36 |
| Noncurrent loans to loans | 0.8938% | 3,330 |
| Net loans and leases to total assets | 47.4150% | 5,257 |
| Net loans and leases to deposits | 55.0923% | 5,299 |
| Net loans and leases to core deposits | 57.0882% | 5,389 |
| Total domestic deposits to total assets | 86.0646% | 2,812 |
| Equity capital to assets | 6.9434% | 6,393 |
| Core capital (leverage) ratio | 7.5265% | 6,274 |
| Tier 1 risk-based capital ratio | 10.5394% | 6,197 |
| Total risk-based capital ratio | 11.5994% | 6,218 |
| Memoranda: | ||
| Average total assets | $95,299,000 | 4,759 |
| Average earning assets | $65,040,000 | 5,306 |
| Average equity | $6,802,000 | 5,514 |
| Average total loans | $43,192,000 | 5,121 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 2,123 |
| Cost of funding earning assets | 0.7891% | 761 |
| Net interest margin | 3.6269% | 3,251 |
| Noninterest income to average assets | 4.3759% | 136 |
| Noninterest expense to average assets | 7.2458% | 131 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4291% | 6,423 |
| Return on assets (ROA) | -0.4758% | 6,426 |
| Pretax return on assets | -0.4758% | 6,409 |
| Return on Equity (ROE) | -6.6038% | 6,474 |
| Retained earnings to average equity (ytd only) | -6.6038% | 6,332 |
| Net charge-offs to loans | 1.1021% | 299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.8783% | 4,201 |
| Efficiency ratio | 106.2948% | 290 |
| Assets per employee ($millions) | 4.2518% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6204% | 2,392 |
| Loan loss allowance to noncurrent loans | 59.8706% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 16.9566% | 23 |
| Noncurrent loans to loans | 2.7065% | 1,124 |
| Net loans and leases to total assets | 48.0302% | 5,169 |
| Net loans and leases to deposits | 56.4679% | 5,157 |
| Net loans and leases to core deposits | 58.8466% | 5,213 |
| Total domestic deposits to total assets | 85.0576% | 3,476 |
| Equity capital to assets | 7.5712% | 6,336 |
| Core capital (leverage) ratio | 8.1896% | 5,938 |
| Tier 1 risk-based capital ratio | 11.3859% | 5,861 |
| Total risk-based capital ratio | 12.4903% | 5,883 |
| Memoranda: | ||
| Average total assets | $94,151,670 | 4,821 |
| Average earning assets | $63,360,330 | 5,409 |
| Average equity | $6,784,000 | 5,540 |
| Average total loans | $41,739,000 | 5,206 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 2,407 |
| Cost of funding earning assets | 0.7695% | 884 |
| Net interest margin | 3.5612% | 3,425 |
| Noninterest income to average assets | -0.4065% | 6,710 |
| Noninterest expense to average assets | 5.0732% | 307 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -3.1083% | 6,694 |
| Return on assets (ROA) | -3.2057% | 6,694 |
| Pretax return on assets | -3.2057% | 6,693 |
| Return on Equity (ROE) | -45.6368% | 6,689 |
| Retained earnings to average equity (ytd only) | -45.6368% | 6,666 |
| Net charge-offs to loans | -0.0201% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 258.1897% | 15 |
| Assets per employee ($millions) | 4.1795% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3992% | 912 |
| Loan loss allowance to noncurrent loans | 121.5000% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 22.4931% | 11 |
| Noncurrent loans to loans | 1.9747% | 1,893 |
| Net loans and leases to total assets | 43.0037% | 5,591 |
| Net loans and leases to deposits | 50.2663% | 5,580 |
| Net loans and leases to core deposits | 52.4090% | 5,593 |
| Total domestic deposits to total assets | 85.5516% | 3,587 |
| Equity capital to assets | 6.9615% | 6,458 |
| Core capital (leverage) ratio | 7.5742% | 6,312 |
| Tier 1 risk-based capital ratio | 10.4315% | 6,352 |
| Total risk-based capital ratio | 11.6839% | 6,313 |
| Memoranda: | ||
| Average total assets | $94,458,000 | 4,862 |
| Average earning assets | $62,899,500 | 5,475 |
| Average equity | $6,635,000 | 5,607 |
| Average total loans | $39,775,000 | 5,335 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 2,263 |
| Cost of funding earning assets | 0.6826% | 1,939 |
| Net interest margin | 3.8041% | 2,641 |
| Noninterest income to average assets | 1.2439% | 899 |
| Noninterest expense to average assets | 3.9651% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0245% | 6,172 |
| Return on assets (ROA) | 0.1232% | 6,057 |
| Pretax return on assets | 0.1232% | 6,061 |
| Return on Equity (ROE) | 2.0227% | 5,831 |
| Retained earnings to average equity (ytd only) | 2.0227% | 4,797 |
| Net charge-offs to loans | 0.7281% | 882 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.0698% | 5,068 |
| Efficiency ratio | 99.3866% | 499 |
| Assets per employee ($millions) | 5.3871% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4874% | 837 |
| Loan loss allowance to noncurrent loans | 121.3750% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 22.7776% | 11 |
| Noncurrent loans to loans | 2.0493% | 1,936 |
| Net loans and leases to total assets | 39.2562% | 6,014 |
| Net loans and leases to deposits | 45.7524% | 6,031 |
| Net loans and leases to core deposits | 47.4378% | 6,065 |
| Total domestic deposits to total assets | 85.8015% | 3,359 |
| Equity capital to assets | 7.0838% | 6,435 |
| Core capital (leverage) ratio | 6.3890% | 6,609 |
| Tier 1 risk-based capital ratio | 11.5052% | 5,901 |
| Total risk-based capital ratio | 12.7579% | 5,844 |
| Memoranda: | ||
| Average total assets | $122,593,400 | 4,224 |
| Average earning assets | $88,482,600 | 4,819 |
| Average equity | $7,465,200 | 5,463 |
| Average total loans | $59,061,400 | 4,645 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 2,965 |
| Cost of funding earning assets | 0.6456% | 2,404 |
| Net interest margin | 3.6596% | 3,196 |
| Noninterest income to average assets | 1.2206% | 985 |
| Noninterest expense to average assets | 3.7901% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1023% | 6,135 |
| Return on assets (ROA) | 0.2119% | 5,966 |
| Pretax return on assets | 0.2119% | 6,019 |
| Return on Equity (ROE) | 3.5897% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.5897% | 4,138 |
| Net charge-offs to loans | 0.8990% | 644 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.2292% | 4,791 |
| Efficiency ratio | 97.3712% | 555 |
| Assets per employee ($millions) | 6.1291% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 2,536 |
| Loan loss allowance to noncurrent loans | 19.9383% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 17.2627% | 32 |
| Noncurrent loans to loans | 8.6543% | 198 |
| Net loans and leases to total assets | 42.8775% | 5,829 |
| Net loans and leases to deposits | 48.0786% | 5,961 |
| Net loans and leases to core deposits | 49.9236% | 6,021 |
| Total domestic deposits to total assets | 89.1820% | 1,462 |
| Equity capital to assets | 5.4859% | 6,737 |
| Core capital (leverage) ratio | 5.8954% | 6,725 |
| Tier 1 risk-based capital ratio | 9.8738% | 6,623 |
| Total risk-based capital ratio | 11.0838% | 6,607 |
| Memoranda: | ||
| Average total assets | $128,999,750 | 4,137 |
| Average earning assets | $94,178,000 | 4,727 |
| Average equity | $7,614,250 | 5,491 |
| Average total loans | $64,067,500 | 4,526 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 2,573 |
| Cost of funding earning assets | 0.6285% | 2,696 |
| Net interest margin | 3.7691% | 2,679 |
| Noninterest income to average assets | 1.0473% | 1,388 |
| Noninterest expense to average assets | 3.8189% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0527% | 6,238 |
| Return on assets (ROA) | 0.2107% | 5,997 |
| Pretax return on assets | 0.2107% | 6,064 |
| Return on Equity (ROE) | 3.4878% | 5,432 |
| Retained earnings to average equity (ytd only) | 3.4878% | 4,101 |
| Net charge-offs to loans | 1.1364% | 520 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.0897% | 4,514 |
| Efficiency ratio | 98.6395% | 539 |
| Assets per employee ($millions) | 6.1958% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 3,113 |
| Loan loss allowance to noncurrent loans | 10.2364% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 16.5705% | 41 |
| Noncurrent loans to loans | 15.7412% | 41 |
| Net loans and leases to total assets | 47.9621% | 5,335 |
| Net loans and leases to deposits | 53.8574% | 5,533 |
| Net loans and leases to core deposits | 55.8980% | 5,603 |
| Total domestic deposits to total assets | 89.0540% | 1,600 |
| Equity capital to assets | 5.6267% | 6,777 |
| Core capital (leverage) ratio | 6.0263% | 6,752 |
| Tier 1 risk-based capital ratio | 9.5068% | 6,718 |
| Total risk-based capital ratio | 10.7462% | 6,703 |
| Memoranda: | ||
| Average total assets | $129,096,000 | 4,158 |
| Average earning assets | $96,733,000 | 4,681 |
| Average equity | $7,798,670 | 5,483 |
| Average total loans | $66,704,330 | 4,436 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 2,281 |
| Cost of funding earning assets | 0.5922% | 3,177 |
| Net interest margin | 3.8754% | 2,197 |
| Noninterest income to average assets | 0.8928% | 1,783 |
| Noninterest expense to average assets | 3.9226% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0031% | 6,339 |
| Return on assets (ROA) | 0.2240% | 5,935 |
| Pretax return on assets | 0.2240% | 6,034 |
| Return on Equity (ROE) | 3.5832% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.5832% | 4,092 |
| Net charge-offs to loans | 0.2283% | 2,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0256% | 3,822 |
| Efficiency ratio | 99.9208% | 546 |
| Assets per employee ($millions) | 5.9188% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 2,217 |
| Loan loss allowance to noncurrent loans | 12.9739% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 17.7539% | 45 |
| Noncurrent loans to loans | 14.8948% | 78 |
| Net loans and leases to total assets | 55.6093% | 4,149 |
| Net loans and leases to deposits | 63.2332% | 4,390 |
| Net loans and leases to core deposits | 65.7706% | 4,558 |
| Total domestic deposits to total assets | 87.9431% | 2,355 |
| Equity capital to assets | 6.4178% | 6,794 |
| Core capital (leverage) ratio | 6.1325% | 6,787 |
| Tier 1 risk-based capital ratio | 9.1005% | 6,803 |
| Total risk-based capital ratio | 10.3542% | 6,799 |
| Memoranda: | ||
| Average total assets | $128,588,500 | 4,214 |
| Average earning assets | $100,634,000 | 4,603 |
| Average equity | $8,037,500 | 5,475 |
| Average total loans | $68,343,500 | 4,409 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 5,181 |
| Cost of funding earning assets | 0.8616% | 2,203 |
| Net interest margin | 3.1797% | 5,619 |
| Noninterest income to average assets | 0.3028% | 5,286 |
| Noninterest expense to average assets | 3.6679% | 1,469 |
| Loan and lease loss provision to assets | 1.2901% | 271 |
| Net operating income to assets | -2.1143% | 6,944 |
| Return on assets (ROA) | -1.5684% | 6,888 |
| Pretax return on assets | -1.5684% | 6,867 |
| Return on Equity (ROE) | -25.1722% | 6,926 |
| Retained earnings to average equity (ytd only) | -25.1722% | 6,898 |
| Net charge-offs to loans | 3.3333% | 125 |
| Credit loss provision to net charge-offs | 74.7149% | 4,021 |
| Earnings coverage of net charge-offs (x) | -0.4774% | 5,667 |
| Efficiency ratio | 128.9876% | 161 |
| Assets per employee ($millions) | 6.3278% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1161% | 1,726 |
| Loan loss allowance to noncurrent loans | 12.4257% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 17.2159% | 55 |
| Noncurrent loans to loans | 17.0302% | 55 |
| Net loans and leases to total assets | 48.7685% | 5,333 |
| Net loans and leases to deposits | 55.0039% | 5,553 |
| Net loans and leases to core deposits | 57.1579% | 5,620 |
| Total domestic deposits to total assets | 88.6637% | 1,795 |
| Equity capital to assets | 6.0941% | 6,887 |
| Core capital (leverage) ratio | 5.7286% | 6,876 |
| Tier 1 risk-based capital ratio | 8.8661% | 6,864 |
| Total risk-based capital ratio | 10.1209% | 6,868 |
| Memoranda: | ||
| Average total assets | $147,279,600 | 3,821 |
| Average earning assets | $117,684,200 | 4,171 |
| Average equity | $9,176,800 | 5,179 |
| Average total loans | $76,290,800 | 4,143 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 5,167 |
| Cost of funding earning assets | 0.9359% | 1,948 |
| Net interest margin | 3.1700% | 5,774 |
| Noninterest income to average assets | 0.2245% | 5,946 |
| Noninterest expense to average assets | 3.5392% | 1,672 |
| Loan and lease loss provision to assets | 1.6799% | 172 |
| Net operating income to assets | -2.4655% | 7,087 |
| Return on assets (ROA) | -1.8239% | 7,031 |
| Pretax return on assets | -1.8239% | 7,006 |
| Return on Equity (ROE) | -29.1317% | 7,060 |
| Retained earnings to average equity (ytd only) | -29.1317% | 7,051 |
| Net charge-offs to loans | 4.2531% | 70 |
| Credit loss provision to net charge-offs | 75.6165% | 3,750 |
| Earnings coverage of net charge-offs (x) | -0.3536% | 5,463 |
| Efficiency ratio | 128.5302% | 157 |
| Assets per employee ($millions) | 6.3761% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0418% | 2,058 |
| Loan loss allowance to noncurrent loans | 15.1911% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 14.1944% | 102 |
| Noncurrent loans to loans | 13.4408% | 121 |
| Net loans and leases to total assets | 51.2734% | 5,146 |
| Net loans and leases to deposits | 58.0005% | 5,429 |
| Net loans and leases to core deposits | 60.0002% | 5,561 |
| Total domestic deposits to total assets | 88.4016% | 1,789 |
| Equity capital to assets | 6.3287% | 6,964 |
| Core capital (leverage) ratio | 5.7958% | 6,961 |
| Tier 1 risk-based capital ratio | 8.9750% | 6,939 |
| Total risk-based capital ratio | 10.2294% | 6,942 |
| Memoranda: | ||
| Average total assets | $150,878,750 | 3,803 |
| Average earning assets | $120,375,750 | 4,146 |
| Average equity | $9,446,500 | 5,167 |
| Average total loans | $78,812,000 | 4,115 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 4,980 |
| Cost of funding earning assets | 1.0723% | 1,348 |
| Net interest margin | 3.1199% | 5,949 |
| Noninterest income to average assets | 0.0396% | 6,894 |
| Noninterest expense to average assets | 3.3921% | 2,048 |
| Loan and lease loss provision to assets | 2.3841% | 95 |
| Net operating income to assets | -3.2682% | 7,165 |
| Return on assets (ROA) | -2.5668% | 7,135 |
| Pretax return on assets | -2.5668% | 7,123 |
| Return on Equity (ROE) | -41.1231% | 7,148 |
| Retained earnings to average equity (ytd only) | -41.1231% | 7,142 |
| Net charge-offs to loans | 5.8174% | 41 |
| Credit loss provision to net charge-offs | 78.5023% | 3,361 |
| Earnings coverage of net charge-offs (x) | -0.2911% | 5,187 |
| Efficiency ratio | 135.2522% | 141 |
| Assets per employee ($millions) | 6.4912% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1227% | 1,943 |
| Loan loss allowance to noncurrent loans | 14.1473% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 15.5638% | 90 |
| Noncurrent loans to loans | 15.0042% | 100 |
| Net loans and leases to total assets | 51.8552% | 5,119 |
| Net loans and leases to deposits | 58.8318% | 5,364 |
| Net loans and leases to core deposits | 60.5679% | 5,535 |
| Total domestic deposits to total assets | 88.1415% | 2,046 |
| Equity capital to assets | 6.3015% | 7,003 |
| Core capital (leverage) ratio | 5.4168% | 7,037 |
| Tier 1 risk-based capital ratio | 8.7469% | 6,997 |
| Total risk-based capital ratio | 10.0027% | 7,000 |
| Memoranda: | ||
| Average total assets | $156,539,000 | 3,730 |
| Average earning assets | $123,851,000 | 4,084 |
| Average equity | $9,770,670 | 5,082 |
| Average total loans | $81,721,000 | 4,046 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 5,418 |
| Cost of funding earning assets | 1.1338% | 1,243 |
| Net interest margin | 2.9758% | 6,346 |
| Noninterest income to average assets | -0.0936% | 7,164 |
| Noninterest expense to average assets | 3.0723% | 3,010 |
| Loan and lease loss provision to assets | 1.5578% | 219 |
| Net operating income to assets | -2.3738% | 7,182 |
| Return on assets (ROA) | -1.7114% | 7,133 |
| Pretax return on assets | -1.7114% | 7,109 |
| Return on Equity (ROE) | -27.5263% | 7,155 |
| Retained earnings to average equity (ytd only) | -27.5263% | 7,113 |
| Net charge-offs to loans | 2.5396% | 320 |
| Credit loss provision to net charge-offs | 118.2149% | 2,005 |
| Earnings coverage of net charge-offs (x) | -0.6193% | 4,520 |
| Efficiency ratio | 136.1702% | 147 |
| Assets per employee ($millions) | 7.2970% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5627% | 1,274 |
| Loan loss allowance to noncurrent loans | 19.7677% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 13.2845% | 159 |
| Noncurrent loans to loans | 12.9639% | 165 |
| Net loans and leases to total assets | 50.7802% | 5,192 |
| Net loans and leases to deposits | 56.9836% | 5,488 |
| Net loans and leases to core deposits | 57.7940% | 5,727 |
| Total domestic deposits to total assets | 89.1138% | 1,629 |
| Equity capital to assets | 6.1539% | 7,059 |
| Core capital (leverage) ratio | 5.5487% | 7,077 |
| Tier 1 risk-based capital ratio | 9.1005% | 7,015 |
| Total risk-based capital ratio | 10.3609% | 7,021 |
| Memoranda: | ||
| Average total assets | $166,650,500 | 3,573 |
| Average earning assets | $131,594,500 | 3,951 |
| Average equity | $10,361,000 | 4,953 |
| Average total loans | $86,471,500 | 3,923 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6774% | 4,340 |
| Cost of funding earning assets | 1.3347% | 1,319 |
| Net interest margin | 3.3426% | 5,672 |
| Noninterest income to average assets | -0.3239% | 7,214 |
| Noninterest expense to average assets | 3.2682% | 2,624 |
| Loan and lease loss provision to assets | 0.6239% | 1,643 |
| Net operating income to assets | -1.3726% | 6,879 |
| Return on assets (ROA) | -0.8409% | 6,702 |
| Pretax return on assets | -0.8409% | 6,665 |
| Return on Equity (ROE) | -14.4002% | 6,874 |
| Retained earnings to average equity (ytd only) | -14.4002% | 6,850 |
| Net charge-offs to loans | 1.5517% | 1,024 |
| Credit loss provision to net charge-offs | 69.9267% | 4,850 |
| Earnings coverage of net charge-offs (x) | -0.8392% | 6,162 |
| Efficiency ratio | 129.7186% | 234 |
| Assets per employee ($millions) | 6.6449% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2894% | 1,633 |
| Loan loss allowance to noncurrent loans | 32.5064% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 9.8218% | 344 |
| Noncurrent loans to loans | 7.0430% | 628 |
| Net loans and leases to total assets | 50.4931% | 5,527 |
| Net loans and leases to deposits | 56.5520% | 5,830 |
| Net loans and leases to core deposits | 58.5300% | 5,972 |
| Total domestic deposits to total assets | 89.2862% | 1,375 |
| Equity capital to assets | 6.2760% | 7,063 |
| Core capital (leverage) ratio | 5.6671% | 7,083 |
| Tier 1 risk-based capital ratio | 9.4721% | 6,966 |
| Total risk-based capital ratio | 10.7302% | 6,958 |
| Memoranda: | ||
| Average total assets | $183,370,600 | 3,280 |
| Average earning assets | $155,985,400 | 3,475 |
| Average equity | $10,708,200 | 4,853 |
| Average total loans | $105,434,800 | 3,487 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 4,205 |
| Cost of funding earning assets | 1.3879% | 1,282 |
| Net interest margin | 3.3676% | 5,665 |
| Noninterest income to average assets | -0.4136% | 7,326 |
| Noninterest expense to average assets | 3.0763% | 3,252 |
| Loan and lease loss provision to assets | 0.8178% | 1,137 |
| Net operating income to assets | -1.4034% | 7,017 |
| Return on assets (ROA) | -0.8551% | 6,859 |
| Pretax return on assets | -0.8551% | 6,810 |
| Return on Equity (ROE) | -14.9012% | 7,014 |
| Retained earnings to average equity (ytd only) | -14.9012% | 6,989 |
| Net charge-offs to loans | 1.7623% | 769 |
| Credit loss provision to net charge-offs | 78.8528% | 4,178 |
| Earnings coverage of net charge-offs (x) | -0.5646% | 5,851 |
| Efficiency ratio | 123.5108% | 270 |
| Assets per employee ($millions) | 6.7079% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3071% | 1,677 |
| Loan loss allowance to noncurrent loans | 22.2178% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 9.4129% | 397 |
| Noncurrent loans to loans | 10.3839% | 331 |
| Net loans and leases to total assets | 52.1379% | 5,429 |
| Net loans and leases to deposits | 58.0934% | 5,835 |
| Net loans and leases to core deposits | 61.7813% | 5,834 |
| Total domestic deposits to total assets | 89.7484% | 1,011 |
| Equity capital to assets | 5.9659% | 7,187 |
| Core capital (leverage) ratio | 5.2218% | 7,212 |
| Tier 1 risk-based capital ratio | 8.4031% | 7,162 |
| Total risk-based capital ratio | 9.6621% | 7,165 |
| Memoranda: | ||
| Average total assets | $186,021,250 | 3,260 |
| Average earning assets | $160,425,250 | 3,418 |
| Average equity | $10,674,500 | 4,875 |
| Average total loans | $109,473,500 | 3,424 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9042% | 3,598 |
| Cost of funding earning assets | 1.4522% | 1,188 |
| Net interest margin | 3.4520% | 5,360 |
| Noninterest income to average assets | -0.1023% | 7,292 |
| Noninterest expense to average assets | 2.9767% | 3,730 |
| Loan and lease loss provision to assets | 1.0455% | 811 |
| Net operating income to assets | -1.0946% | 6,972 |
| Return on assets (ROA) | -0.7695% | 6,866 |
| Pretax return on assets | -0.7695% | 6,808 |
| Return on Equity (ROE) | -13.5829% | 7,028 |
| Retained earnings to average equity (ytd only) | -13.5829% | 6,992 |
| Net charge-offs to loans | 2.3755% | 524 |
| Credit loss provision to net charge-offs | 72.6129% | 3,999 |
| Earnings coverage of net charge-offs (x) | -0.0340% | 5,304 |
| Efficiency ratio | 101.6746% | 671 |
| Assets per employee ($millions) | 6.3217% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1903% | 1,941 |
| Loan loss allowance to noncurrent loans | 33.5554% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 8.5064% | 514 |
| Noncurrent loans to loans | 6.5273% | 848 |
| Net loans and leases to total assets | 54.6453% | 5,201 |
| Net loans and leases to deposits | 60.9087% | 5,628 |
| Net loans and leases to core deposits | 62.5305% | 5,859 |
| Total domestic deposits to total assets | 89.7168% | 1,112 |
| Equity capital to assets | 5.9924% | 7,243 |
| Core capital (leverage) ratio | 5.2931% | 7,276 |
| Tier 1 risk-based capital ratio | 8.5783% | 7,210 |
| Total risk-based capital ratio | 9.8363% | 7,210 |
| Memoranda: | ||
| Average total assets | $187,657,000 | 3,260 |
| Average earning assets | $164,716,000 | 3,358 |
| Average equity | $10,631,000 | 4,888 |
| Average total loans | $113,745,000 | 3,368 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 3,540 |
| Cost of funding earning assets | 1.4876% | 1,223 |
| Net interest margin | 3.4228% | 5,331 |
| Noninterest income to average assets | 0.1057% | 6,879 |
| Noninterest expense to average assets | 2.4769% | 5,636 |
| Loan and lease loss provision to assets | 0.5969% | 1,443 |
| Net operating income to assets | 0.0746% | 6,160 |
| Return on assets (ROA) | 0.1575% | 5,972 |
| Pretax return on assets | 0.1575% | 6,034 |
| Return on Equity (ROE) | 2.8563% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.8563% | 4,453 |
| Net charge-offs to loans | 0.5414% | 2,140 |
| Credit loss provision to net charge-offs | 175.6098% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1.9756% | 3,320 |
| Efficiency ratio | 78.6702% | 2,739 |
| Assets per employee ($millions) | 7.1266% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 1,802 |
| Loan loss allowance to noncurrent loans | 29.9685% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 8.2763% | 557 |
| Noncurrent loans to loans | 7.5970% | 682 |
| Net loans and leases to total assets | 59.3378% | 4,398 |
| Net loans and leases to deposits | 66.7930% | 4,864 |
| Net loans and leases to core deposits | 70.3409% | 5,003 |
| Total domestic deposits to total assets | 88.8383% | 1,875 |
| Equity capital to assets | 5.5634% | 7,334 |
| Core capital (leverage) ratio | 5.5688% | 7,308 |
| Tier 1 risk-based capital ratio | 8.1863% | 7,280 |
| Total risk-based capital ratio | 9.4460% | 7,283 |
| Memoranda: | ||
| Average total assets | $192,982,000 | 3,206 |
| Average earning assets | $171,555,000 | 3,275 |
| Average equity | $10,643,000 | 4,884 |
| Average total loans | $121,171,500 | 3,235 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 4,511 |
| Cost of funding earning assets | 1.9663% | 683 |
| Net interest margin | 3.0436% | 6,653 |
| Noninterest income to average assets | -0.8831% | 7,616 |
| Noninterest expense to average assets | 2.7302% | 4,852 |
| Loan and lease loss provision to assets | 2.7706% | 370 |
| Net operating income to assets | -3.6579% | 7,395 |
| Return on assets (ROA) | -3.4730% | 7,386 |
| Pretax return on assets | -3.4730% | 7,365 |
| Return on Equity (ROE) | -55.4962% | 7,455 |
| Retained earnings to average equity (ytd only) | -55.4962% | 7,452 |
| Net charge-offs to loans | 5.2791% | 153 |
| Credit loss provision to net charge-offs | 81.3754% | 5,505 |
| Earnings coverage of net charge-offs (x) | -0.2606% | 6,331 |
| Efficiency ratio | 148.1472% | 225 |
| Assets per employee ($millions) | 6.9124% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 2,251 |
| Loan loss allowance to noncurrent loans | 31.9677% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 7.9748% | 620 |
| Noncurrent loans to loans | 6.3208% | 965 |
| Net loans and leases to total assets | 63.5355% | 3,965 |
| Net loans and leases to deposits | 71.5068% | 4,607 |
| Net loans and leases to core deposits | 76.9540% | 4,594 |
| Total domestic deposits to total assets | 88.8523% | 1,743 |
| Equity capital to assets | 5.4669% | 7,401 |
| Core capital (leverage) ratio | 5.1346% | 7,405 |
| Tier 1 risk-based capital ratio | 7.6910% | 7,373 |
| Total risk-based capital ratio | 8.9499% | 7,376 |
| Memoranda: | ||
| Average total assets | $215,259,600 | 2,921 |
| Average earning assets | $192,799,000 | 2,962 |
| Average equity | $13,471,200 | 4,267 |
| Average total loans | $138,830,800 | 2,971 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 4,427 |
| Cost of funding earning assets | 2.0420% | 660 |
| Net interest margin | 3.0383% | 6,752 |
| Noninterest income to average assets | -0.9890% | 7,726 |
| Noninterest expense to average assets | 2.6613% | 5,057 |
| Loan and lease loss provision to assets | 3.4304% | 219 |
| Net operating income to assets | -4.3705% | 7,599 |
| Return on assets (ROA) | -4.2134% | 7,598 |
| Pretax return on assets | -4.2134% | 7,583 |
| Return on Equity (ROE) | -65.5107% | 7,620 |
| Retained earnings to average equity (ytd only) | -65.5107% | 7,619 |
| Net charge-offs to loans | 6.1515% | 90 |
| Credit loss provision to net charge-offs | 86.5681% | 4,898 |
| Earnings coverage of net charge-offs (x) | -0.2372% | 6,202 |
| Efficiency ratio | 154.6157% | 187 |
| Assets per employee ($millions) | 8.5961% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2593% | 1,688 |
| Loan loss allowance to noncurrent loans | 37.7076% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 7.6449% | 677 |
| Noncurrent loans to loans | 5.9916% | 1,045 |
| Net loans and leases to total assets | 60.7956% | 4,760 |
| Net loans and leases to deposits | 68.3561% | 5,371 |
| Net loans and leases to core deposits | 76.1840% | 5,033 |
| Total domestic deposits to total assets | 88.9396% | 1,420 |
| Equity capital to assets | 5.6207% | 7,526 |
| Core capital (leverage) ratio | 5.0276% | 7,542 |
| Tier 1 risk-based capital ratio | 7.5447% | 7,512 |
| Total risk-based capital ratio | 8.8055% | 7,514 |
| Memoranda: | ||
| Average total assets | $220,687,750 | 2,906 |
| Average earning assets | $196,858,500 | 2,964 |
| Average equity | $14,193,750 | 4,162 |
| Average total loans | $142,161,750 | 2,940 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 4,133 |
| Cost of funding earning assets | 2.1342% | 585 |
| Net interest margin | 3.0274% | 6,776 |
| Noninterest income to average assets | -1.6369% | 7,813 |
| Noninterest expense to average assets | 2.5497% | 5,521 |
| Loan and lease loss provision to assets | 1.9873% | 619 |
| Net operating income to assets | -3.4607% | 7,573 |
| Return on assets (ROA) | -3.4310% | 7,573 |
| Pretax return on assets | -3.4310% | 7,536 |
| Return on Equity (ROE) | -51.2663% | 7,615 |
| Retained earnings to average equity (ytd only) | -51.2663% | 7,611 |
| Net charge-offs to loans | 3.1602% | 489 |
| Credit loss provision to net charge-offs | 96.5517% | 4,223 |
| Earnings coverage of net charge-offs (x) | -0.7158% | 6,074 |
| Efficiency ratio | 236.8948% | 65 |
| Assets per employee ($millions) | 8.2144% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7521% | 1,040 |
| Loan loss allowance to noncurrent loans | 96.9559% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 5.6901% | 1,063 |
| Noncurrent loans to loans | 2.8385% | 2,819 |
| Net loans and leases to total assets | 60.8939% | 4,889 |
| Net loans and leases to deposits | 69.0930% | 5,405 |
| Net loans and leases to core deposits | 77.2088% | 5,063 |
| Total domestic deposits to total assets | 88.1333% | 1,937 |
| Equity capital to assets | 6.7204% | 7,433 |
| Core capital (leverage) ratio | 6.4117% | 7,401 |
| Tier 1 risk-based capital ratio | 9.2211% | 7,368 |
| Total risk-based capital ratio | 10.4865% | 7,359 |
| Memoranda: | ||
| Average total assets | $222,616,330 | 2,899 |
| Average earning assets | $199,511,000 | 2,962 |
| Average equity | $14,898,670 | 4,011 |
| Average total loans | $144,992,000 | 2,928 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0405% | 4,830 |
| Cost of funding earning assets | 2.2429% | 512 |
| Net interest margin | 2.7976% | 7,176 |
| Noninterest income to average assets | -0.4717% | 7,856 |
| Noninterest expense to average assets | 2.6508% | 5,141 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.6080% | 6,902 |
| Return on assets (ROA) | -0.5488% | 6,896 |
| Pretax return on assets | -0.5488% | 6,818 |
| Return on Equity (ROE) | -8.2172% | 7,067 |
| Retained earnings to average equity (ytd only) | -8.2172% | 6,848 |
| Net charge-offs to loans | 1.6859% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.5433% | 5,296 |
| Efficiency ratio | 129.7629% | 340 |
| Assets per employee ($millions) | 8.2794% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 1,700 |
| Loan loss allowance to noncurrent loans | 51.6877% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 7.4290% | 695 |
| Noncurrent loans to loans | 4.2999% | 1,768 |
| Net loans and leases to total assets | 64.4923% | 4,216 |
| Net loans and leases to deposits | 72.9529% | 4,915 |
| Net loans and leases to core deposits | 84.0003% | 4,198 |
| Total domestic deposits to total assets | 88.4027% | 1,848 |
| Equity capital to assets | 6.6202% | 7,501 |
| Core capital (leverage) ratio | 6.5830% | 7,436 |
| Tier 1 risk-based capital ratio | 8.9579% | 7,488 |
| Total risk-based capital ratio | 10.2175% | 7,500 |
| Memoranda: | ||
| Average total assets | $223,030,000 | 2,953 |
| Average earning assets | $200,456,500 | 2,990 |
| Average equity | $14,895,500 | 4,039 |
| Average total loans | $148,049,000 | 2,926 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 6,722 |
| Cost of funding earning assets | 2.7782% | 474 |
| Net interest margin | 2.1161% | 7,694 |
| Noninterest income to average assets | 0.0245% | 7,611 |
| Noninterest expense to average assets | 3.1967% | 3,390 |
| Loan and lease loss provision to assets | 2.0108% | 1,073 |
| Net operating income to assets | -3.2415% | 7,453 |
| Return on assets (ROA) | -2.9501% | 7,395 |
| Pretax return on assets | -2.9501% | 7,279 |
| Return on Equity (ROE) | -35.9443% | 7,504 |
| Retained earnings to average equity (ytd only) | -35.9443% | 7,491 |
| Net charge-offs to loans | 2.8720% | 760 |
| Credit loss provision to net charge-offs | 96.5818% | 5,751 |
| Earnings coverage of net charge-offs (x) | -0.5911% | 6,746 |
| Efficiency ratio | 162.6009% | 243 |
| Assets per employee ($millions) | 8.2414% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6242% | 1,100 |
| Loan loss allowance to noncurrent loans | 74.3756% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 7.5221% | 641 |
| Noncurrent loans to loans | 3.5284% | 2,153 |
| Net loans and leases to total assets | 65.0521% | 4,364 |
| Net loans and leases to deposits | 73.6486% | 5,098 |
| Net loans and leases to core deposits | 81.0128% | 5,997 |
| Total domestic deposits to total assets | 88.3276% | 1,809 |
| Equity capital to assets | 6.7375% | 7,482 |
| Core capital (leverage) ratio | 6.5275% | 7,478 |
| Tier 1 risk-based capital ratio | 9.0574% | 7,447 |
| Total risk-based capital ratio | 10.3214% | 7,457 |
| Memoranda: | ||
| Average total assets | $220,604,800 | 2,934 |
| Average earning assets | $202,396,600 | 2,944 |
| Average equity | $18,105,800 | 3,493 |
| Average total loans | $159,922,400 | 2,764 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8564% | 6,995 |
| Cost of funding earning assets | 2.7746% | 640 |
| Net interest margin | 2.0818% | 7,780 |
| Noninterest income to average assets | 0.0775% | 7,514 |
| Noninterest expense to average assets | 3.0418% | 3,876 |
| Loan and lease loss provision to assets | 1.8274% | 1,023 |
| Net operating income to assets | -2.8680% | 7,561 |
| Return on assets (ROA) | -2.5718% | 7,481 |
| Pretax return on assets | -2.5718% | 7,374 |
| Return on Equity (ROE) | -29.9784% | 7,607 |
| Retained earnings to average equity (ytd only) | -29.9784% | 7,595 |
| Net charge-offs to loans | 1.6435% | 1,235 |
| Credit loss provision to net charge-offs | 150.3988% | 3,189 |
| Earnings coverage of net charge-offs (x) | -0.8564% | 6,602 |
| Efficiency ratio | 151.9976% | 305 |
| Assets per employee ($millions) | 8.0495% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2001% | 562 |
| Loan loss allowance to noncurrent loans | 44.6333% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 8.3269% | 497 |
| Noncurrent loans to loans | 7.1697% | 741 |
| Net loans and leases to total assets | 65.6860% | 4,496 |
| Net loans and leases to deposits | 75.0317% | 5,203 |
| Net loans and leases to core deposits | 81.4389% | 6,239 |
| Total domestic deposits to total assets | 87.5443% | 1,867 |
| Equity capital to assets | 7.5833% | 7,237 |
| Core capital (leverage) ratio | 7.4477% | 7,035 |
| Tier 1 risk-based capital ratio | 10.1949% | 6,782 |
| Total risk-based capital ratio | 11.4663% | 6,703 |
| Memoranda: | ||
| Average total assets | $220,126,750 | 2,956 |
| Average earning assets | $203,410,750 | 2,941 |
| Average equity | $18,884,250 | 3,386 |
| Average total loans | $162,739,750 | 2,747 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 7,283 |
| Cost of funding earning assets | 2.7746% | 844 |
| Net interest margin | 1.9915% | 7,871 |
| Noninterest income to average assets | -0.0612% | 8,015 |
| Noninterest expense to average assets | 3.0052% | 4,067 |
| Loan and lease loss provision to assets | 0.9087% | 1,857 |
| Net operating income to assets | -2.1262% | 7,457 |
| Return on assets (ROA) | -1.9500% | 7,411 |
| Pretax return on assets | -1.9500% | 7,274 |
| Return on Equity (ROE) | -21.8172% | 7,555 |
| Retained earnings to average equity (ytd only) | -21.8172% | 7,509 |
| Net charge-offs to loans | 0.8344% | 2,022 |
| Credit loss provision to net charge-offs | 143.0657% | 3,245 |
| Earnings coverage of net charge-offs (x) | -1.9168% | 6,344 |
| Efficiency ratio | 168.1017% | 293 |
| Assets per employee ($millions) | 7.6187% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6962% | 754 |
| Loan loss allowance to noncurrent loans | 36.3022% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 8.7600% | 396 |
| Noncurrent loans to loans | 7.4271% | 631 |
| Net loans and leases to total assets | 68.7331% | 4,017 |
| Net loans and leases to deposits | 79.8549% | 4,566 |
| Net loans and leases to core deposits | 89.7405% | 5,557 |
| Total domestic deposits to total assets | 86.0724% | 2,746 |
| Equity capital to assets | 8.4555% | 6,114 |
| Core capital (leverage) ratio | 8.4938% | 5,461 |
| Tier 1 risk-based capital ratio | 11.0469% | 5,832 |
| Total risk-based capital ratio | 12.3136% | 5,735 |
| Memoranda: | ||
| Average total assets | $215,690,670 | 3,031 |
| Average earning assets | $200,248,000 | 2,997 |
| Average equity | $19,278,330 | 3,358 |
| Average total loans | $164,185,330 | 2,753 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 7,196 |
| Cost of funding earning assets | 2.7396% | 1,140 |
| Net interest margin | 2.1519% | 7,827 |
| Noninterest income to average assets | 0.1051% | 7,513 |
| Noninterest expense to average assets | 2.5672% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4530% | 6,831 |
| Return on assets (ROA) | -0.4530% | 6,895 |
| Pretax return on assets | -0.4530% | 6,786 |
| Return on Equity (ROE) | -4.9235% | 6,971 |
| Retained earnings to average equity (ytd only) | -4.9235% | 6,540 |
| Net charge-offs to loans | 0.9278% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.6172% | 5,288 |
| Efficiency ratio | 121.4286% | 608 |
| Assets per employee ($millions) | 7.0479% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2383% | 1,034 |
| Loan loss allowance to noncurrent loans | 27.8228% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 7.8175% | 396 |
| Noncurrent loans to loans | 8.0450% | 444 |
| Net loans and leases to total assets | 73.4444% | 2,904 |
| Net loans and leases to deposits | 89.7059% | 2,974 |
| Net loans and leases to core deposits | 104.3648% | 4,099 |
| Total domestic deposits to total assets | 81.8724% | 4,601 |
| Equity capital to assets | 8.7603% | 5,678 |
| Core capital (leverage) ratio | 9.1015% | 4,550 |
| Tier 1 risk-based capital ratio | 10.7936% | 6,101 |
| Total risk-based capital ratio | 12.0552% | 5,987 |
| Memoranda: | ||
| Average total assets | $209,255,500 | 3,121 |
| Average earning assets | $195,360,500 | 3,077 |
| Average equity | $19,254,500 | 3,380 |
| Average total loans | $165,553,000 | 2,760 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2713% | 4,114 |
| Cost of funding earning assets | 3.1661% | 1,296 |
| Net interest margin | 3.1051% | 6,639 |
| Noninterest income to average assets | -0.2876% | 8,239 |
| Noninterest expense to average assets | 3.2887% | 2,998 |
| Loan and lease loss provision to assets | 2.4610% | 428 |
| Net operating income to assets | -3.0966% | 7,846 |
| Return on assets (ROA) | -3.0739% | 7,813 |
| Pretax return on assets | -3.0739% | 7,726 |
| Return on Equity (ROE) | -28.1397% | 7,926 |
| Retained earnings to average equity (ytd only) | -28.1397% | 7,875 |
| Net charge-offs to loans | 1.3547% | 865 |
| Credit loss provision to net charge-offs | 216.7776% | 2,219 |
| Earnings coverage of net charge-offs (x) | -0.5599% | 6,498 |
| Efficiency ratio | 123.9577% | 532 |
| Assets per employee ($millions) | 6.2508% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4304% | 738 |
| Loan loss allowance to noncurrent loans | 67.3863% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 4.2904% | 912 |
| Noncurrent loans to loans | 3.6067% | 1,399 |
| Net loans and leases to total assets | 81.4439% | 1,330 |
| Net loans and leases to deposits | 105.4666% | 1,170 |
| Net loans and leases to core deposits | 121.2608% | 2,583 |
| Total domestic deposits to total assets | 77.2225% | 5,936 |
| Equity capital to assets | 9.6832% | 4,446 |
| Core capital (leverage) ratio | 9.5459% | 3,954 |
| Tier 1 risk-based capital ratio | 11.0435% | 5,686 |
| Total risk-based capital ratio | 12.2733% | 5,604 |
| Memoranda: | ||
| Average total assets | $185,333,400 | 3,334 |
| Average earning assets | $175,515,000 | 3,254 |
| Average equity | $20,245,400 | 3,189 |
| Average total loans | $155,316,200 | 2,844 |