Home > SunSouth Bank > Performance and Condition Ratios
SunSouth Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 3,249 |
| Cost of funding earning assets | 2.2702% | 576 |
| Net interest margin | 2.1466% | 4,350 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.9399% | 1,203 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | -0.3902% | 4,499 |
| Return on assets (ROA) | -0.3218% | 4,474 |
| Pretax return on assets | -0.3218% | 4,461 |
| Return on Equity (ROE) | -4.9200% | 4,469 |
| Retained earnings to average equity (ytd only) | -7.1291% | 4,430 |
| Net charge-offs to loans | -0.0395% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 115.6207% | 88 |
| Assets per employee ($millions) | 7.0145% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 1,518 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 35.2200% | 4,177 |
| Net loans and leases to deposits | 43.3073% | 4,116 |
| Net loans and leases to core deposits | 49.4180% | 4,095 |
| Total domestic deposits to total assets | 81.3200% | 3,253 |
| Equity capital to assets | 6.8269% | 4,010 |
| Core capital (leverage) ratio | 9.3592% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5060% | 574 |
| Memoranda: | ||
| Average total assets | $114,051,800 | 3,706 |
| Average earning assets | $107,566,200 | 3,672 |
| Average equity | $7,462,400 | 3,991 |
| Average total loans | $43,010,400 | 3,948 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 3,243 |
| Cost of funding earning assets | 2.0964% | 596 |
| Net interest margin | 2.2340% | 4,333 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.9878% | 1,089 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | -0.7790% | 4,555 |
| Return on assets (ROA) | -0.6905% | 4,539 |
| Pretax return on assets | -0.6905% | 4,529 |
| Return on Equity (ROE) | -10.6700% | 4,545 |
| Retained earnings to average equity (ytd only) | -13.6343% | 4,526 |
| Net charge-offs to loans | -0.0396% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 135.8391% | 57 |
| Assets per employee ($millions) | 7.1798% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 1,950 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 36.4600% | 4,168 |
| Net loans and leases to deposits | 44.6509% | 4,087 |
| Net loans and leases to core deposits | 50.2351% | 4,034 |
| Total domestic deposits to total assets | 81.6500% | 3,282 |
| Equity capital to assets | 5.7619% | 4,067 |
| Core capital (leverage) ratio | 9.1466% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7712% | 726 |
| Memoranda: | ||
| Average total assets | $114,506,750 | 3,714 |
| Average earning assets | $107,548,000 | 3,681 |
| Average equity | $7,412,500 | 4,002 |
| Average total loans | $43,745,000 | 3,950 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 3,088 |
| Cost of funding earning assets | 1.8556% | 670 |
| Net interest margin | 2.4518% | 4,260 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 3.0704% | 936 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | -0.6434% | 4,578 |
| Return on assets (ROA) | -0.5106% | 4,565 |
| Pretax return on assets | -0.5106% | 4,554 |
| Return on Equity (ROE) | -7.6100% | 4,565 |
| Retained earnings to average equity (ytd only) | -11.9057% | 4,535 |
| Net charge-offs to loans | -0.0407% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 127.2464% | 58 |
| Assets per employee ($millions) | 6.6555% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,371 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 38.8000% | 4,081 |
| Net loans and leases to deposits | 48.1979% | 3,984 |
| Net loans and leases to core deposits | 54.3941% | 3,879 |
| Total domestic deposits to total assets | 80.5100% | 3,501 |
| Equity capital to assets | 6.5121% | 3,991 |
| Core capital (leverage) ratio | 9.4149% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0007% | 721 |
| Memoranda: | ||
| Average total assets | $114,383,667 | 3,729 |
| Average earning assets | $107,351,333 | 3,692 |
| Average equity | $7,677,000 | 3,986 |
| Average total loans | $44,185,667 | 3,952 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 2,592 |
| Cost of funding earning assets | 1.6132% | 680 |
| Net interest margin | 2.7729% | 3,983 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.7129% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0104% | 4,475 |
| Return on assets (ROA) | 0.2748% | 4,249 |
| Pretax return on assets | 0.2748% | 4,281 |
| Return on Equity (ROE) | 4.0300% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.0350% | 3,263 |
| Net charge-offs to loans | -0.0363% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.6169% | 179 |
| Assets per employee ($millions) | 6.7202% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,349 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 37.9300% | 4,119 |
| Net loans and leases to deposits | 46.1835% | 4,033 |
| Net loans and leases to core deposits | 51.9215% | 3,916 |
| Total domestic deposits to total assets | 82.1200% | 3,468 |
| Equity capital to assets | 7.0157% | 3,820 |
| Core capital (leverage) ratio | 9.7178% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0780% | 650 |
| Memoranda: | ||
| Average total assets | $115,004,000 | 3,769 |
| Average earning assets | $107,613,500 | 3,740 |
| Average equity | $7,831,500 | 4,019 |
| Average total loans | $44,057,500 | 3,998 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4819% | 3,130 |
| Cost of funding earning assets | 0.6899% | 606 |
| Net interest margin | 2.7919% | 3,910 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.4672% | 2,215 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.3789% | 4,267 |
| Return on assets (ROA) | 0.3789% | 4,233 |
| Pretax return on assets | 0.3789% | 4,302 |
| Return on Equity (ROE) | 5.6000% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.5976% | 2,787 |
| Net charge-offs to loans | -0.0792% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.3493% | 321 |
| Assets per employee ($millions) | 6.8096% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 1,689 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 37.7000% | 4,155 |
| Net loans and leases to deposits | 46.2495% | 4,047 |
| Net loans and leases to core deposits | 50.9371% | 3,945 |
| Total domestic deposits to total assets | 81.5200% | 3,690 |
| Equity capital to assets | 6.6065% | 3,859 |
| Core capital (leverage) ratio | 9.6405% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8125% | 645 |
| Memoranda: | ||
| Average total assets | $117,987,400 | 3,746 |
| Average earning assets | $111,894,200 | 3,702 |
| Average equity | $7,985,600 | 4,097 |
| Average total loans | $49,258,800 | 3,907 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2898% | 3,204 |
| Cost of funding earning assets | 0.5159% | 696 |
| Net interest margin | 2.7738% | 3,790 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.4069% | 2,297 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 0.4578% | 4,155 |
| Return on assets (ROA) | 0.4578% | 4,098 |
| Pretax return on assets | 0.4578% | 4,200 |
| Return on Equity (ROE) | 6.7200% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.7243% | 2,472 |
| Net charge-offs to loans | -0.0897% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.4540% | 402 |
| Assets per employee ($millions) | 7.2496% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,159 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 39.5800% | 4,092 |
| Net loans and leases to deposits | 47.2177% | 3,981 |
| Net loans and leases to core deposits | 51.8648% | 3,859 |
| Total domestic deposits to total assets | 83.8200% | 3,539 |
| Equity capital to assets | 5.3383% | 4,180 |
| Core capital (leverage) ratio | 9.5261% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1346% | 630 |
| Memoranda: | ||
| Average total assets | $118,543,250 | 3,769 |
| Average earning assets | $112,669,750 | 3,722 |
| Average equity | $8,070,000 | 4,127 |
| Average total loans | $50,512,500 | 3,904 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1639% | 3,153 |
| Cost of funding earning assets | 0.4583% | 667 |
| Net interest margin | 2.7056% | 3,691 |
| Noninterest income to average assets | 0.1122% | 4,437 |
| Noninterest expense to average assets | 2.3653% | 2,356 |
| Loan and lease loss provision to assets | -0.1675% | 4,661 |
| Net operating income to assets | 0.4858% | 3,931 |
| Return on assets (ROA) | 0.4858% | 3,882 |
| Pretax return on assets | 0.4858% | 4,022 |
| Return on Equity (ROE) | 6.6697% | 3,405 |
| Retained earnings to average equity (ytd only) | 6.6697% | 2,102 |
| Net charge-offs to loans | -0.1157% | 4,483 |
| Credit loss provision to net charge-offs | 333.3333% | 758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1398% | 487 |
| Assets per employee ($millions) | 6.7529% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.0479% | 3,966 |
| Net loans and leases to deposits | 46.6067% | 4,000 |
| Net loans and leases to core deposits | 51.3499% | 3,851 |
| Total domestic deposits to total assets | 90.2186% | 1,626 |
| Equity capital to assets | 6.0697% | 4,183 |
| Core capital (leverage) ratio | 9.1205% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2673% | 683 |
| Memoranda: | ||
| Average total assets | $119,393,333 | 3,805 |
| Average earning assets | $113,467,000 | 3,772 |
| Average equity | $8,696,000 | 4,130 |
| Average total loans | $51,851,000 | 3,931 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9682% | 3,346 |
| Cost of funding earning assets | 0.4596% | 620 |
| Net interest margin | 2.5087% | 3,891 |
| Noninterest income to average assets | 0.1019% | 4,497 |
| Noninterest expense to average assets | 2.3963% | 2,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0920% | 4,477 |
| Return on assets (ROA) | 0.0920% | 4,449 |
| Pretax return on assets | 0.0920% | 4,452 |
| Return on Equity (ROE) | 1.1715% | 4,394 |
| Retained earnings to average equity (ytd only) | 1.1715% | 3,783 |
| Net charge-offs to loans | -0.0375% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3012% | 322 |
| Assets per employee ($millions) | 6.4544% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 42.4866% | 3,849 |
| Net loans and leases to deposits | 47.8540% | 3,876 |
| Net loans and leases to core deposits | 52.4597% | 3,697 |
| Total domestic deposits to total assets | 88.7837% | 2,176 |
| Equity capital to assets | 6.8668% | 4,279 |
| Core capital (leverage) ratio | 8.7152% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0175% | 901 |
| Memoranda: | ||
| Average total assets | $121,690,000 | 3,803 |
| Average earning assets | $115,759,000 | 3,770 |
| Average equity | $9,560,000 | 4,106 |
| Average total loans | $53,347,000 | 3,917 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0915% | 3,697 |
| Cost of funding earning assets | 0.5725% | 623 |
| Net interest margin | 2.5190% | 4,166 |
| Noninterest income to average assets | 0.1629% | 4,337 |
| Noninterest expense to average assets | 2.4441% | 2,352 |
| Loan and lease loss provision to assets | -0.1597% | 4,645 |
| Net operating income to assets | 0.2922% | 4,428 |
| Return on assets (ROA) | 0.5414% | 4,050 |
| Pretax return on assets | 0.5414% | 4,194 |
| Return on Equity (ROE) | 6.6848% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.6848% | 2,044 |
| Net charge-offs to loans | -0.0952% | 4,569 |
| Credit loss provision to net charge-offs | 363.6364% | 962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8559% | 212 |
| Assets per employee ($millions) | 6.0373% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,789 |
| Loan loss allowance to noncurrent loans | 13,160.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,133 |
| Noncurrent loans to loans | 0.0093% | 4,033 |
| Net loans and leases to total assets | 44.1174% | 3,830 |
| Net loans and leases to deposits | 50.0536% | 3,873 |
| Net loans and leases to core deposits | 55.1347% | 3,684 |
| Total domestic deposits to total assets | 88.1404% | 1,966 |
| Equity capital to assets | 8.8607% | 3,752 |
| Core capital (leverage) ratio | 8.8662% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3613% | 844 |
| Memoranda: | ||
| Average total assets | $125,241,000 | 3,743 |
| Average earning assets | $120,007,000 | 3,689 |
| Average equity | $10,142,400 | 4,111 |
| Average total loans | $57,764,200 | 3,853 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 3,631 |
| Cost of funding earning assets | 0.5986% | 644 |
| Net interest margin | 2.5860% | 4,155 |
| Noninterest income to average assets | 0.1773% | 4,317 |
| Noninterest expense to average assets | 2.3424% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3144% | 4,500 |
| Return on assets (ROA) | 0.6436% | 3,972 |
| Pretax return on assets | 0.6436% | 4,170 |
| Return on Equity (ROE) | 8.1305% | 3,364 |
| Retained earnings to average equity (ytd only) | 8.1305% | 2,013 |
| Net charge-offs to loans | -0.1135% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1652% | 370 |
| Assets per employee ($millions) | 5.9920% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 1,620 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,223 |
| Noncurrent loans to loans | 0.0106% | 4,130 |
| Net loans and leases to total assets | 46.5917% | 3,750 |
| Net loans and leases to deposits | 54.3417% | 3,708 |
| Net loans and leases to core deposits | 60.2963% | 3,452 |
| Total domestic deposits to total assets | 85.7384% | 2,852 |
| Equity capital to assets | 8.7084% | 4,063 |
| Core capital (leverage) ratio | 8.4587% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1131% | 936 |
| Memoranda: | ||
| Average total assets | $126,364,750 | 3,758 |
| Average earning assets | $121,162,250 | 3,711 |
| Average equity | $10,003,250 | 4,189 |
| Average total loans | $58,723,250 | 3,893 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1245% | 3,815 |
| Cost of funding earning assets | 0.6226% | 662 |
| Net interest margin | 2.5019% | 4,302 |
| Noninterest income to average assets | 0.1712% | 4,353 |
| Noninterest expense to average assets | 2.3043% | 2,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2676% | 4,564 |
| Return on assets (ROA) | 0.4077% | 4,411 |
| Pretax return on assets | 0.4077% | 4,496 |
| Return on Equity (ROE) | 5.3149% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.3149% | 3,068 |
| Net charge-offs to loans | -0.1448% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5947% | 356 |
| Assets per employee ($millions) | 6.2038% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,687 |
| Loan loss allowance to noncurrent loans | 9,388.8889% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,265 |
| Noncurrent loans to loans | 0.0157% | 4,150 |
| Net loans and leases to total assets | 45.6442% | 3,927 |
| Net loans and leases to deposits | 54.2041% | 3,846 |
| Net loans and leases to core deposits | 60.4640% | 3,590 |
| Total domestic deposits to total assets | 84.2079% | 3,364 |
| Equity capital to assets | 8.2684% | 4,379 |
| Core capital (leverage) ratio | 7.8333% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9899% | 1,121 |
| Memoranda: | ||
| Average total assets | $128,540,000 | 3,742 |
| Average earning assets | $123,348,000 | 3,698 |
| Average equity | $9,859,000 | 4,216 |
| Average total loans | $59,402,000 | 3,905 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1217% | 3,845 |
| Cost of funding earning assets | 0.6263% | 773 |
| Net interest margin | 2.4955% | 4,305 |
| Noninterest income to average assets | 0.0948% | 4,707 |
| Noninterest expense to average assets | 2.2329% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2508% | 4,592 |
| Return on assets (ROA) | 0.3151% | 4,531 |
| Pretax return on assets | 0.3151% | 4,585 |
| Return on Equity (ROE) | 4.2655% | 4,235 |
| Retained earnings to average equity (ytd only) | 4.2655% | 3,431 |
| Net charge-offs to loans | -0.0729% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9015% | 371 |
| Assets per employee ($millions) | 6.9727% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 2,121 |
| Loan loss allowance to noncurrent loans | 6,775.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,324 |
| Noncurrent loans to loans | 0.0202% | 4,184 |
| Net loans and leases to total assets | 42.1038% | 4,230 |
| Net loans and leases to deposits | 48.7456% | 4,231 |
| Net loans and leases to core deposits | 53.6563% | 4,109 |
| Total domestic deposits to total assets | 86.3746% | 2,590 |
| Equity capital to assets | 6.8123% | 4,874 |
| Core capital (leverage) ratio | 7.8348% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7217% | 1,378 |
| Memoranda: | ||
| Average total assets | $130,772,500 | 3,730 |
| Average earning assets | $125,187,000 | 3,677 |
| Average equity | $9,659,000 | 4,252 |
| Average total loans | $60,364,000 | 3,912 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5364% | 3,948 |
| Cost of funding earning assets | 0.9717% | 664 |
| Net interest margin | 2.5648% | 4,531 |
| Noninterest income to average assets | 0.1782% | 4,392 |
| Noninterest expense to average assets | 2.4844% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1322% | 4,644 |
| Return on assets (ROA) | 0.8669% | 2,971 |
| Pretax return on assets | 0.8669% | 3,458 |
| Return on Equity (ROE) | 11.8568% | 1,362 |
| Retained earnings to average equity (ytd only) | 11.8568% | 336 |
| Net charge-offs to loans | 0.0729% | 1,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 3.3617% | 3,093 |
| Efficiency ratio | 94.9472% | 254 |
| Assets per employee ($millions) | 6.1046% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 2,357 |
| Loan loss allowance to noncurrent loans | 680.5085% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 3,828 |
| Noncurrent loans to loans | 0.1928% | 3,518 |
| Net loans and leases to total assets | 49.4684% | 3,863 |
| Net loans and leases to deposits | 58.9389% | 3,832 |
| Net loans and leases to core deposits | 66.6685% | 3,487 |
| Total domestic deposits to total assets | 83.9318% | 3,135 |
| Equity capital to assets | 8.0415% | 4,691 |
| Core capital (leverage) ratio | 7.3325% | 4,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9112% | 1,562 |
| Memoranda: | ||
| Average total assets | $119,503,600 | 3,755 |
| Average earning assets | $113,616,800 | 3,716 |
| Average equity | $8,737,600 | 4,345 |
| Average total loans | $64,442,600 | 3,839 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 3,739 |
| Cost of funding earning assets | 1.0423% | 655 |
| Net interest margin | 2.6848% | 4,484 |
| Noninterest income to average assets | 0.1817% | 4,384 |
| Noninterest expense to average assets | 2.4096% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3208% | 4,411 |
| Return on assets (ROA) | 0.8884% | 2,866 |
| Pretax return on assets | 0.8884% | 3,408 |
| Return on Equity (ROE) | 12.4709% | 1,254 |
| Retained earnings to average equity (ytd only) | 12.4709% | 378 |
| Net charge-offs to loans | 0.1001% | 1,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 5.8367% | 2,705 |
| Efficiency ratio | 88.2498% | 408 |
| Assets per employee ($millions) | 6.2954% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 2,795 |
| Loan loss allowance to noncurrent loans | 601.5038% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 3,520 |
| Noncurrent loans to loans | 0.1957% | 3,609 |
| Net loans and leases to total assets | 53.3378% | 3,858 |
| Net loans and leases to deposits | 67.3723% | 3,523 |
| Net loans and leases to core deposits | 76.4683% | 3,130 |
| Total domestic deposits to total assets | 79.1688% | 4,031 |
| Equity capital to assets | 7.5484% | 4,845 |
| Core capital (leverage) ratio | 7.0395% | 4,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6667% | 1,945 |
| Memoranda: | ||
| Average total assets | $118,856,500 | 3,755 |
| Average earning assets | $112,828,250 | 3,715 |
| Average equity | $8,467,500 | 4,396 |
| Average total loans | $65,253,250 | 3,840 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,051 |
| Cost of funding earning assets | 1.1329% | 645 |
| Net interest margin | 2.5829% | 4,671 |
| Noninterest income to average assets | 0.2214% | 4,162 |
| Noninterest expense to average assets | 2.3690% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2987% | 4,428 |
| Return on assets (ROA) | 0.5819% | 3,879 |
| Pretax return on assets | 0.5819% | 4,096 |
| Return on Equity (ROE) | 8.3477% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.3477% | 1,207 |
| Net charge-offs to loans | 0.1709% | 869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.1636% | 2,704 |
| Efficiency ratio | 88.8031% | 422 |
| Assets per employee ($millions) | 6.3219% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 2,769 |
| Loan loss allowance to noncurrent loans | 555.2448% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 3,588 |
| Noncurrent loans to loans | 0.2076% | 3,638 |
| Net loans and leases to total assets | 53.8592% | 3,886 |
| Net loans and leases to deposits | 65.7818% | 3,746 |
| Net loans and leases to core deposits | 74.0703% | 3,454 |
| Total domestic deposits to total assets | 81.8756% | 3,402 |
| Equity capital to assets | 6.8888% | 4,987 |
| Core capital (leverage) ratio | 7.0424% | 5,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9345% | 1,844 |
| Memoranda: | ||
| Average total assets | $116,506,333 | 3,767 |
| Average earning assets | $110,340,333 | 3,733 |
| Average equity | $8,122,000 | 4,441 |
| Average total loans | $64,352,333 | 3,867 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8470% | 4,139 |
| Cost of funding earning assets | 1.2646% | 626 |
| Net interest margin | 2.5824% | 4,767 |
| Noninterest income to average assets | 0.3694% | 3,304 |
| Noninterest expense to average assets | 2.5497% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2582% | 4,435 |
| Return on assets (ROA) | 0.2582% | 4,457 |
| Pretax return on assets | 0.2582% | 4,512 |
| Return on Equity (ROE) | 3.6791% | 4,044 |
| Retained earnings to average equity (ytd only) | 3.6791% | 2,811 |
| Net charge-offs to loans | 0.4832% | 302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.9600% | 2,428 |
| Efficiency ratio | 90.8046% | 469 |
| Assets per employee ($millions) | 5.5676% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,368 |
| Loan loss allowance to noncurrent loans | 420.6522% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 3,445 |
| Noncurrent loans to loans | 0.2982% | 3,431 |
| Net loans and leases to total assets | 54.7202% | 3,932 |
| Net loans and leases to deposits | 68.2589% | 3,713 |
| Net loans and leases to core deposits | 78.3843% | 3,328 |
| Total domestic deposits to total assets | 80.1656% | 3,828 |
| Equity capital to assets | 6.9958% | 5,067 |
| Core capital (leverage) ratio | 7.0431% | 5,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9403% | 1,616 |
| Memoranda: | ||
| Average total assets | $111,541,000 | 3,824 |
| Average earning assets | $105,329,500 | 3,797 |
| Average equity | $7,828,000 | 4,505 |
| Average total loans | $62,082,500 | 3,923 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 4,527 |
| Cost of funding earning assets | 1.3081% | 754 |
| Net interest margin | 2.5228% | 4,957 |
| Noninterest income to average assets | 0.3958% | 3,322 |
| Noninterest expense to average assets | 2.8115% | 2,564 |
| Loan and lease loss provision to assets | -0.1775% | 5,114 |
| Net operating income to assets | 0.1136% | 4,918 |
| Return on assets (ROA) | 0.1234% | 4,928 |
| Pretax return on assets | 0.1234% | 4,933 |
| Return on Equity (ROE) | 1.8764% | 4,810 |
| Retained earnings to average equity (ytd only) | 1.8764% | 4,054 |
| Net charge-offs to loans | 0.0583% | 2,267 |
| Credit loss provision to net charge-offs | -540.5405% | 4,439 |
| Earnings coverage of net charge-offs (x) | -1.9459% | 3,664 |
| Efficiency ratio | 102.3256% | 138 |
| Assets per employee ($millions) | 5.8805% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 1,678 |
| Loan loss allowance to noncurrent loans | 426.6332% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6355% | 1,994 |
| Noncurrent loans to loans | 0.3186% | 3,295 |
| Net loans and leases to total assets | 55.1419% | 3,987 |
| Net loans and leases to deposits | 64.1925% | 4,064 |
| Net loans and leases to core deposits | 74.4208% | 3,686 |
| Total domestic deposits to total assets | 85.9008% | 2,105 |
| Equity capital to assets | 7.0402% | 5,140 |
| Core capital (leverage) ratio | 7.0084% | 5,140 |
| Tier 1 risk-based capital ratio | 15.9806% | 2,414 |
| Total risk-based capital ratio | 17.2361% | 2,360 |
| Memoranda: | ||
| Average total assets | $112,678,400 | 3,794 |
| Average earning assets | $105,040,800 | 3,791 |
| Average equity | $7,407,800 | 4,586 |
| Average total loans | $63,500,200 | 3,920 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 4,374 |
| Cost of funding earning assets | 1.3115% | 757 |
| Net interest margin | 2.6828% | 4,951 |
| Noninterest income to average assets | 0.5337% | 2,543 |
| Noninterest expense to average assets | 2.8941% | 2,280 |
| Loan and lease loss provision to assets | -0.2362% | 5,214 |
| Net operating income to assets | 0.3684% | 4,775 |
| Return on assets (ROA) | 0.3814% | 4,776 |
| Pretax return on assets | 0.3814% | 4,827 |
| Return on Equity (ROE) | 5.9049% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.9049% | 2,417 |
| Net charge-offs to loans | 0.0920% | 1,554 |
| Credit loss provision to net charge-offs | -454.5455% | 4,312 |
| Earnings coverage of net charge-offs (x) | 2.5453% | 3,186 |
| Efficiency ratio | 95.6301% | 206 |
| Assets per employee ($millions) | 5.6379% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,713 |
| Loan loss allowance to noncurrent loans | 306.1818% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8495% | 1,609 |
| Noncurrent loans to loans | 0.4451% | 2,975 |
| Net loans and leases to total assets | 56.8889% | 3,976 |
| Net loans and leases to deposits | 67.2590% | 3,972 |
| Net loans and leases to core deposits | 81.4031% | 3,284 |
| Total domestic deposits to total assets | 84.5819% | 2,590 |
| Equity capital to assets | 7.1732% | 5,211 |
| Core capital (leverage) ratio | 6.7715% | 5,229 |
| Tier 1 risk-based capital ratio | 16.5250% | 2,258 |
| Total risk-based capital ratio | 17.7842% | 2,188 |
| Memoranda: | ||
| Average total assets | $112,915,500 | 3,833 |
| Average earning assets | $104,914,250 | 3,832 |
| Average equity | $7,293,250 | 4,656 |
| Average total loans | $63,760,500 | 3,956 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 4,573 |
| Cost of funding earning assets | 1.2866% | 770 |
| Net interest margin | 2.6014% | 5,074 |
| Noninterest income to average assets | 0.7958% | 1,363 |
| Noninterest expense to average assets | 3.0388% | 1,891 |
| Loan and lease loss provision to assets | -0.3483% | 5,281 |
| Net operating income to assets | 0.5207% | 4,481 |
| Return on assets (ROA) | 0.5398% | 4,477 |
| Pretax return on assets | 0.5398% | 4,641 |
| Return on Equity (ROE) | 8.6556% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.6556% | 1,142 |
| Net charge-offs to loans | 0.1490% | 1,045 |
| Credit loss provision to net charge-offs | -416.6667% | 4,100 |
| Earnings coverage of net charge-offs (x) | 2.0625% | 2,971 |
| Efficiency ratio | 94.6312% | 222 |
| Assets per employee ($millions) | 5.2367% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 1,895 |
| Loan loss allowance to noncurrent loans | 332.5397% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 1,572 |
| Noncurrent loans to loans | 0.3992% | 3,098 |
| Net loans and leases to total assets | 56.6464% | 4,035 |
| Net loans and leases to deposits | 67.1467% | 4,013 |
| Net loans and leases to core deposits | 78.2401% | 3,559 |
| Total domestic deposits to total assets | 84.3621% | 2,735 |
| Equity capital to assets | 6.9273% | 5,271 |
| Core capital (leverage) ratio | 6.4136% | 5,285 |
| Tier 1 risk-based capital ratio | 15.4316% | 2,649 |
| Total risk-based capital ratio | 16.6878% | 2,571 |
| Memoranda: | ||
| Average total assets | $114,847,000 | 3,831 |
| Average earning assets | $106,636,000 | 3,831 |
| Average equity | $7,163,000 | 4,703 |
| Average total loans | $64,420,000 | 3,966 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 5,023 |
| Cost of funding earning assets | 1.2354% | 807 |
| Net interest margin | 2.2912% | 5,258 |
| Noninterest income to average assets | 1.1186% | 649 |
| Noninterest expense to average assets | 3.0421% | 1,871 |
| Loan and lease loss provision to assets | -0.6821% | 5,349 |
| Net operating income to assets | 0.8901% | 3,271 |
| Return on assets (ROA) | 0.8901% | 3,325 |
| Pretax return on assets | 0.8901% | 3,800 |
| Return on Equity (ROE) | 15.0530% | 738 |
| Retained earnings to average equity (ytd only) | 15.0530% | 276 |
| Net charge-offs to loans | 0.3443% | 450 |
| Credit loss provision to net charge-offs | -357.1429% | 3,749 |
| Earnings coverage of net charge-offs (x) | 1.0893% | 2,628 |
| Efficiency ratio | 93.5992% | 286 |
| Assets per employee ($millions) | 5.0090% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 2,155 |
| Loan loss allowance to noncurrent loans | 309.7015% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 1,640 |
| Noncurrent loans to loans | 0.4154% | 3,099 |
| Net loans and leases to total assets | 55.2744% | 4,116 |
| Net loans and leases to deposits | 68.2135% | 3,907 |
| Net loans and leases to core deposits | 77.7600% | 3,535 |
| Total domestic deposits to total assets | 81.0315% | 3,962 |
| Equity capital to assets | 6.3060% | 5,339 |
| Core capital (leverage) ratio | 6.2050% | 5,339 |
| Tier 1 risk-based capital ratio | 15.0713% | 2,858 |
| Total risk-based capital ratio | 16.3278% | 2,769 |
| Memoranda: | ||
| Average total assets | $117,285,500 | 3,847 |
| Average earning assets | $109,111,000 | 3,828 |
| Average equity | $6,935,500 | 4,766 |
| Average total loans | $65,064,000 | 3,985 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 3,801 |
| Cost of funding earning assets | 1.1335% | 448 |
| Net interest margin | 2.9460% | 4,858 |
| Noninterest income to average assets | 0.0540% | 5,263 |
| Noninterest expense to average assets | 2.8177% | 2,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.0230% | 5,242 |
| Return on assets (ROA) | -0.0230% | 5,237 |
| Pretax return on assets | -0.0230% | 5,232 |
| Return on Equity (ROE) | -0.4386% | 5,245 |
| Retained earnings to average equity (ytd only) | -0.4386% | 5,037 |
| Net charge-offs to loans | -0.1714% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8246% | 134 |
| Assets per employee ($millions) | 4.9735% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 915 |
| Loan loss allowance to noncurrent loans | 399.2647% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 1.7099% | 626 |
| Noncurrent loans to loans | 0.4145% | 3,048 |
| Net loans and leases to total assets | 54.0632% | 4,274 |
| Net loans and leases to deposits | 63.3269% | 4,291 |
| Net loans and leases to core deposits | 72.4956% | 3,956 |
| Total domestic deposits to total assets | 85.3716% | 2,478 |
| Equity capital to assets | 5.5343% | 5,387 |
| Core capital (leverage) ratio | 5.7558% | 5,387 |
| Tier 1 risk-based capital ratio | 14.3270% | 3,154 |
| Total risk-based capital ratio | 15.5887% | 3,059 |
| Memoranda: | ||
| Average total assets | $125,847,200 | 3,701 |
| Average earning assets | $117,075,200 | 3,695 |
| Average equity | $6,611,200 | 4,809 |
| Average total loans | $72,336,800 | 3,822 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,904 |
| Cost of funding earning assets | 1.1041% | 393 |
| Net interest margin | 2.9027% | 4,972 |
| Noninterest income to average assets | 0.0533% | 5,335 |
| Noninterest expense to average assets | 2.7896% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.0303% | 5,308 |
| Return on assets (ROA) | -0.0303% | 5,305 |
| Pretax return on assets | -0.0303% | 5,305 |
| Return on Equity (ROE) | -0.5848% | 5,321 |
| Retained earnings to average equity (ytd only) | -0.5848% | 5,102 |
| Net charge-offs to loans | -0.2054% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0993% | 137 |
| Assets per employee ($millions) | 4.7162% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 1,099 |
| Loan loss allowance to noncurrent loans | 227.9661% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.7085% | 717 |
| Noncurrent loans to loans | 0.6978% | 2,332 |
| Net loans and leases to total assets | 54.2847% | 4,345 |
| Net loans and leases to deposits | 67.4288% | 4,098 |
| Net loans and leases to core deposits | 78.1646% | 3,642 |
| Total domestic deposits to total assets | 80.5068% | 3,991 |
| Equity capital to assets | 5.1027% | 5,463 |
| Core capital (leverage) ratio | 5.5318% | 5,464 |
| Tier 1 risk-based capital ratio | 14.0184% | 3,363 |
| Total risk-based capital ratio | 15.2794% | 3,267 |
| Memoranda: | ||
| Average total assets | $127,468,000 | 3,713 |
| Average earning assets | $118,830,750 | 3,705 |
| Average equity | $6,612,500 | 4,857 |
| Average total loans | $74,016,500 | 3,829 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,707 |
| Cost of funding earning assets | 1.0533% | 361 |
| Net interest margin | 2.9725% | 4,915 |
| Noninterest income to average assets | 0.0139% | 5,466 |
| Noninterest expense to average assets | 2.7083% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0821% | 5,305 |
| Return on assets (ROA) | 0.0821% | 5,299 |
| Pretax return on assets | 0.0821% | 5,300 |
| Return on Equity (ROE) | 1.5748% | 5,216 |
| Retained earnings to average equity (ytd only) | 1.5748% | 4,615 |
| Net charge-offs to loans | -0.3677% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0572% | 204 |
| Assets per employee ($millions) | 4.8427% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 1,188 |
| Loan loss allowance to noncurrent loans | 273.8806% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.6083% | 793 |
| Noncurrent loans to loans | 0.5718% | 2,706 |
| Net loans and leases to total assets | 54.9611% | 4,249 |
| Net loans and leases to deposits | 67.9180% | 4,022 |
| Net loans and leases to core deposits | 78.5652% | 3,530 |
| Total domestic deposits to total assets | 80.9227% | 4,017 |
| Equity capital to assets | 5.2260% | 5,523 |
| Core capital (leverage) ratio | 5.4561% | 5,524 |
| Tier 1 risk-based capital ratio | 13.6776% | 3,519 |
| Total risk-based capital ratio | 14.9386% | 3,425 |
| Memoranda: | ||
| Average total assets | $129,083,330 | 3,718 |
| Average earning assets | $120,570,330 | 3,700 |
| Average equity | $6,731,000 | 4,886 |
| Average total loans | $76,141,670 | 3,802 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 4,252 |
| Cost of funding earning assets | 0.9968% | 371 |
| Net interest margin | 2.7911% | 5,163 |
| Noninterest income to average assets | 0.2418% | 4,556 |
| Noninterest expense to average assets | 2.6969% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1592% | 5,282 |
| Return on assets (ROA) | 0.1592% | 5,278 |
| Pretax return on assets | 0.1592% | 5,297 |
| Return on Equity (ROE) | 3.0559% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.0559% | 3,983 |
| Net charge-offs to loans | 0.0354% | 1,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 2,090 |
| Efficiency ratio | 94.4266% | 286 |
| Assets per employee ($millions) | 4.4817% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,665 |
| Loan loss allowance to noncurrent loans | 229.0168% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.6866% | 764 |
| Noncurrent loans to loans | 0.5343% | 2,922 |
| Net loans and leases to total assets | 59.3161% | 3,814 |
| Net loans and leases to deposits | 73.1951% | 3,496 |
| Net loans and leases to core deposits | 81.7770% | 3,161 |
| Total domestic deposits to total assets | 81.0384% | 4,191 |
| Equity capital to assets | 5.1382% | 5,584 |
| Core capital (leverage) ratio | 5.3275% | 5,587 |
| Tier 1 risk-based capital ratio | 12.0297% | 4,530 |
| Total risk-based capital ratio | 13.2844% | 4,418 |
| Memoranda: | ||
| Average total assets | $130,670,500 | 3,740 |
| Average earning assets | $122,389,500 | 3,704 |
| Average equity | $6,806,500 | 4,929 |
| Average total loans | $79,061,500 | 3,761 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,248 |
| Cost of funding earning assets | 0.8761% | 426 |
| Net interest margin | 2.8622% | 5,091 |
| Noninterest income to average assets | 0.1039% | 5,402 |
| Noninterest expense to average assets | 2.5307% | 3,678 |
| Loan and lease loss provision to assets | 0.1110% | 2,040 |
| Net operating income to assets | 0.1336% | 5,213 |
| Return on assets (ROA) | 0.1336% | 5,222 |
| Pretax return on assets | 0.1372% | 5,358 |
| Return on Equity (ROE) | 2.9124% | 4,854 |
| Retained earnings to average equity (ytd only) | 2.9124% | 3,564 |
| Net charge-offs to loans | 0.4387% | 555 |
| Credit loss provision to net charge-offs | 41.0995% | 3,431 |
| Earnings coverage of net charge-offs (x) | 0.9188% | 3,946 |
| Efficiency ratio | 91.0687% | 378 |
| Assets per employee ($millions) | 4.8657% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 2,768 |
| Loan loss allowance to noncurrent loans | 265.7459% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 1.6876% | 763 |
| Noncurrent loans to loans | 0.4521% | 3,157 |
| Net loans and leases to total assets | 60.2209% | 3,807 |
| Net loans and leases to deposits | 71.6677% | 3,735 |
| Net loans and leases to core deposits | 80.1073% | 3,411 |
| Total domestic deposits to total assets | 84.0279% | 3,198 |
| Equity capital to assets | 5.2789% | 5,645 |
| Core capital (leverage) ratio | 5.1873% | 5,650 |
| Tier 1 risk-based capital ratio | 11.9551% | 4,561 |
| Total risk-based capital ratio | 13.2097% | 4,443 |
| Memoranda: | ||
| Average total assets | $141,422,000 | 3,594 |
| Average earning assets | $132,172,600 | 3,561 |
| Average equity | $6,489,400 | 5,026 |
| Average total loans | $87,083,000 | 3,585 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6422% | 4,461 |
| Cost of funding earning assets | 0.8575% | 437 |
| Net interest margin | 2.7847% | 5,244 |
| Noninterest income to average assets | 0.0695% | 5,560 |
| Noninterest expense to average assets | 2.3723% | 4,087 |
| Loan and lease loss provision to assets | 0.1454% | 1,444 |
| Net operating income to assets | 0.1510% | 5,397 |
| Return on assets (ROA) | 0.1510% | 5,406 |
| Pretax return on assets | 0.1510% | 5,419 |
| Return on Equity (ROE) | 3.4075% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.4075% | 3,897 |
| Net charge-offs to loans | 0.0570% | 2,319 |
| Credit loss provision to net charge-offs | 413.1579% | 751 |
| Earnings coverage of net charge-offs (x) | 8.4204% | 2,785 |
| Efficiency ratio | 88.8927% | 454 |
| Assets per employee ($millions) | 4.9515% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 1,431 |
| Loan loss allowance to noncurrent loans | 34.6695% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 3.4187% | 237 |
| Noncurrent loans to loans | 4.4149% | 203 |
| Net loans and leases to total assets | 58.5112% | 4,014 |
| Net loans and leases to deposits | 72.1073% | 3,759 |
| Net loans and leases to core deposits | 83.6783% | 3,157 |
| Total domestic deposits to total assets | 81.1446% | 4,009 |
| Equity capital to assets | 4.9668% | 5,717 |
| Core capital (leverage) ratio | 5.0092% | 5,717 |
| Tier 1 risk-based capital ratio | 10.9717% | 5,258 |
| Total risk-based capital ratio | 12.2325% | 5,146 |
| Memoranda: | ||
| Average total assets | $143,934,250 | 3,583 |
| Average earning assets | $134,347,500 | 3,571 |
| Average equity | $6,378,000 | 5,102 |
| Average total loans | $88,834,750 | 3,581 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 4,868 |
| Cost of funding earning assets | 0.8374% | 427 |
| Net interest margin | 2.6164% | 5,424 |
| Noninterest income to average assets | 0.0444% | 5,660 |
| Noninterest expense to average assets | 2.4325% | 3,964 |
| Loan and lease loss provision to assets | 0.2180% | 812 |
| Net operating income to assets | -0.1333% | 5,594 |
| Return on assets (ROA) | -0.1333% | 5,597 |
| Pretax return on assets | -0.1333% | 5,590 |
| Return on Equity (ROE) | -3.1338% | 5,655 |
| Retained earnings to average equity (ytd only) | -3.1338% | 5,441 |
| Net charge-offs to loans | 0.2000% | 1,007 |
| Credit loss provision to net charge-offs | 174.4444% | 1,382 |
| Earnings coverage of net charge-offs (x) | 0.6778% | 3,354 |
| Efficiency ratio | 96.6354% | 244 |
| Assets per employee ($millions) | 4.7959% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 1,700 |
| Loan loss allowance to noncurrent loans | 52.5126% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 2.6531% | 384 |
| Noncurrent loans to loans | 2.7917% | 502 |
| Net loans and leases to total assets | 60.6018% | 3,780 |
| Net loans and leases to deposits | 71.3198% | 3,800 |
| Net loans and leases to core deposits | 84.4564% | 3,020 |
| Total domestic deposits to total assets | 84.9720% | 2,827 |
| Equity capital to assets | 4.7045% | 5,772 |
| Core capital (leverage) ratio | 4.4263% | 5,773 |
| Tier 1 risk-based capital ratio | 9.8906% | 5,655 |
| Total risk-based capital ratio | 11.1494% | 5,615 |
| Memoranda: | ||
| Average total assets | $144,048,000 | 3,596 |
| Average earning assets | $136,143,330 | 3,555 |
| Average equity | $6,126,670 | 5,170 |
| Average total loans | $90,005,000 | 3,574 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4793% | 4,748 |
| Cost of funding earning assets | 0.8243% | 432 |
| Net interest margin | 2.6550% | 5,434 |
| Noninterest income to average assets | 0.4040% | 3,632 |
| Noninterest expense to average assets | 2.8444% | 2,637 |
| Loan and lease loss provision to assets | 0.1010% | 1,874 |
| Net operating income to assets | -0.0355% | 5,623 |
| Return on assets (ROA) | -0.0355% | 5,629 |
| Pretax return on assets | -0.0355% | 5,615 |
| Return on Equity (ROE) | -0.8786% | 5,650 |
| Retained earnings to average equity (ytd only) | -0.8786% | 5,045 |
| Net charge-offs to loans | 0.3079% | 602 |
| Credit loss provision to net charge-offs | 52.1127% | 1,967 |
| Earnings coverage of net charge-offs (x) | 0.3380% | 2,825 |
| Efficiency ratio | 97.7486% | 272 |
| Assets per employee ($millions) | 5.1718% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,743 |
| Loan loss allowance to noncurrent loans | 52.3377% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.6966% | 399 |
| Noncurrent loans to loans | 2.4124% | 666 |
| Net loans and leases to total assets | 62.2639% | 3,500 |
| Net loans and leases to deposits | 72.3096% | 3,583 |
| Net loans and leases to core deposits | 79.0637% | 3,381 |
| Total domestic deposits to total assets | 86.1074% | 2,621 |
| Equity capital to assets | 4.1454% | 5,839 |
| Core capital (leverage) ratio | 4.0604% | 5,841 |
| Tier 1 risk-based capital ratio | 8.8913% | 5,814 |
| Total risk-based capital ratio | 10.1475% | 5,813 |
| Memoranda: | ||
| Average total assets | $146,532,000 | 3,595 |
| Average earning assets | $138,305,000 | 3,548 |
| Average equity | $5,918,500 | 5,251 |
| Average total loans | $92,238,000 | 3,548 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8587% | 3,716 |
| Cost of funding earning assets | 0.8157% | 461 |
| Net interest margin | 3.0429% | 4,867 |
| Noninterest income to average assets | 0.2145% | 5,131 |
| Noninterest expense to average assets | 3.1271% | 1,962 |
| Loan and lease loss provision to assets | 1.6093% | 55 |
| Net operating income to assets | -1.6922% | 5,873 |
| Return on assets (ROA) | -1.6234% | 5,872 |
| Pretax return on assets | -1.6234% | 5,868 |
| Return on Equity (ROE) | -33.3306% | 5,893 |
| Retained earnings to average equity (ytd only) | -33.3306% | 5,887 |
| Net charge-offs to loans | 0.9236% | 206 |
| Credit loss provision to net charge-offs | 281.9672% | 1,036 |
| Earnings coverage of net charge-offs (x) | -0.1452% | 4,140 |
| Efficiency ratio | 102.7223% | 190 |
| Assets per employee ($millions) | 4.7824% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1699% | 70 |
| Loan loss allowance to noncurrent loans | 95.4220% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 4.3608% | 164 |
| Noncurrent loans to loans | 4.3700% | 217 |
| Net loans and leases to total assets | 62.0365% | 3,607 |
| Net loans and leases to deposits | 71.6961% | 3,740 |
| Net loans and leases to core deposits | 81.3636% | 3,275 |
| Total domestic deposits to total assets | 86.5271% | 2,362 |
| Equity capital to assets | 3.9352% | 5,891 |
| Core capital (leverage) ratio | 4.0437% | 5,894 |
| Tier 1 risk-based capital ratio | 8.3874% | 5,871 |
| Total risk-based capital ratio | 9.6913% | 5,871 |
| Memoranda: | ||
| Average total assets | $149,628,200 | 3,528 |
| Average earning assets | $139,141,800 | 3,506 |
| Average equity | $7,287,600 | 5,041 |
| Average total loans | $92,461,800 | 3,526 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,532 |
| Cost of funding earning assets | 0.8115% | 473 |
| Net interest margin | 3.1029% | 4,770 |
| Noninterest income to average assets | 0.2472% | 4,990 |
| Noninterest expense to average assets | 3.1792% | 1,829 |
| Loan and lease loss provision to assets | 2.0937% | 35 |
| Net operating income to assets | -2.1497% | 5,948 |
| Return on assets (ROA) | -2.0581% | 5,946 |
| Pretax return on assets | -2.0581% | 5,940 |
| Return on Equity (ROE) | -40.3423% | 5,965 |
| Retained earnings to average equity (ytd only) | -40.3423% | 5,958 |
| Net charge-offs to loans | 1.2840% | 121 |
| Credit loss provision to net charge-offs | 267.0068% | 1,145 |
| Earnings coverage of net charge-offs (x) | -0.0714% | 3,825 |
| Efficiency ratio | 101.7933% | 201 |
| Assets per employee ($millions) | 4.7732% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0330% | 74 |
| Loan loss allowance to noncurrent loans | 90.7240% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 5.0031% | 146 |
| Noncurrent loans to loans | 4.4454% | 219 |
| Net loans and leases to total assets | 63.0711% | 3,513 |
| Net loans and leases to deposits | 70.7002% | 3,915 |
| Net loans and leases to core deposits | 79.0193% | 3,549 |
| Total domestic deposits to total assets | 89.2092% | 796 |
| Equity capital to assets | 4.4611% | 5,957 |
| Core capital (leverage) ratio | 4.1041% | 5,961 |
| Tier 1 risk-based capital ratio | 7.9770% | 5,942 |
| Total risk-based capital ratio | 9.2755% | 5,938 |
| Memoranda: | ||
| Average total assets | $149,972,000 | 3,540 |
| Average earning assets | $139,005,000 | 3,527 |
| Average equity | $7,651,000 | 5,037 |
| Average total loans | $91,584,000 | 3,562 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,396 |
| Cost of funding earning assets | 0.7938% | 512 |
| Net interest margin | 3.1639% | 4,659 |
| Noninterest income to average assets | 0.0345% | 5,943 |
| Noninterest expense to average assets | 3.1519% | 1,927 |
| Loan and lease loss provision to assets | 1.4671% | 64 |
| Net operating income to assets | -1.6317% | 6,000 |
| Return on assets (ROA) | -1.6317% | 6,000 |
| Pretax return on assets | -1.6317% | 5,997 |
| Return on Equity (ROE) | -30.7212% | 6,026 |
| Retained earnings to average equity (ytd only) | -30.7212% | 6,004 |
| Net charge-offs to loans | 2.0424% | 70 |
| Credit loss provision to net charge-offs | 120.6332% | 1,857 |
| Earnings coverage of net charge-offs (x) | -0.1354% | 3,566 |
| Efficiency ratio | 105.5111% | 175 |
| Assets per employee ($millions) | 4.7446% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8208% | 246 |
| Loan loss allowance to noncurrent loans | 63.4810% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 5.0202% | 149 |
| Noncurrent loans to loans | 4.4436% | 239 |
| Net loans and leases to total assets | 59.8356% | 3,904 |
| Net loans and leases to deposits | 70.1319% | 3,969 |
| Net loans and leases to core deposits | 80.9982% | 3,369 |
| Total domestic deposits to total assets | 85.3187% | 2,727 |
| Equity capital to assets | 5.1315% | 6,028 |
| Core capital (leverage) ratio | 4.7337% | 6,033 |
| Tier 1 risk-based capital ratio | 9.1587% | 5,987 |
| Total risk-based capital ratio | 10.4355% | 5,981 |
| Memoranda: | ||
| Average total assets | $150,640,000 | 3,552 |
| Average earning assets | $140,585,330 | 3,529 |
| Average equity | $8,001,000 | 5,024 |
| Average total loans | $89,696,330 | 3,621 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9379% | 3,442 |
| Cost of funding earning assets | 0.7995% | 492 |
| Net interest margin | 3.1384% | 4,754 |
| Noninterest income to average assets | 0.1493% | 5,594 |
| Noninterest expense to average assets | 3.0044% | 2,379 |
| Loan and lease loss provision to assets | 2.3326% | 33 |
| Net operating income to assets | -2.2473% | 6,076 |
| Return on assets (ROA) | -2.2473% | 6,076 |
| Pretax return on assets | -2.2473% | 6,077 |
| Return on Equity (ROE) | -41.5988% | 6,099 |
| Retained earnings to average equity (ytd only) | -41.5988% | 6,063 |
| Net charge-offs to loans | 2.4145% | 56 |
| Credit loss provision to net charge-offs | 165.0943% | 1,216 |
| Earnings coverage of net charge-offs (x) | 0.0604% | 2,974 |
| Efficiency ratio | 97.2390% | 362 |
| Assets per employee ($millions) | 4.8176% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1729% | 189 |
| Loan loss allowance to noncurrent loans | 58.0183% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 5.7170% | 130 |
| Noncurrent loans to loans | 5.4688% | 166 |
| Net loans and leases to total assets | 57.0719% | 4,140 |
| Net loans and leases to deposits | 65.4267% | 4,307 |
| Net loans and leases to core deposits | 75.4871% | 3,732 |
| Total domestic deposits to total assets | 87.2302% | 2,086 |
| Equity capital to assets | 5.2791% | 6,084 |
| Core capital (leverage) ratio | 4.9418% | 6,090 |
| Tier 1 risk-based capital ratio | 9.3699% | 6,021 |
| Total risk-based capital ratio | 10.6478% | 5,999 |
| Memoranda: | ||
| Average total assets | $150,047,000 | 3,581 |
| Average earning assets | $140,582,000 | 3,551 |
| Average equity | $8,106,000 | 5,039 |
| Average total loans | $87,803,000 | 3,656 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 2,246 |
| Cost of funding earning assets | 0.8361% | 412 |
| Net interest margin | 3.4560% | 3,693 |
| Noninterest income to average assets | -0.0279% | 6,126 |
| Noninterest expense to average assets | 3.1712% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0149% | 5,875 |
| Return on assets (ROA) | 0.0643% | 5,837 |
| Pretax return on assets | 0.0643% | 5,834 |
| Return on Equity (ROE) | 1.1763% | 5,741 |
| Retained earnings to average equity (ytd only) | 1.1763% | 5,040 |
| Net charge-offs to loans | 0.3108% | 967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.0754% | 4,273 |
| Efficiency ratio | 100.4733% | 271 |
| Assets per employee ($millions) | 4.5682% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7952% | 280 |
| Loan loss allowance to noncurrent loans | 46.0237% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 6.1042% | 129 |
| Noncurrent loans to loans | 6.0734% | 138 |
| Net loans and leases to total assets | 56.4720% | 4,258 |
| Net loans and leases to deposits | 64.9364% | 4,406 |
| Net loans and leases to core deposits | 75.3312% | 3,816 |
| Total domestic deposits to total assets | 86.9651% | 2,157 |
| Equity capital to assets | 5.5244% | 6,133 |
| Core capital (leverage) ratio | 5.4159% | 6,139 |
| Tier 1 risk-based capital ratio | 10.2901% | 5,867 |
| Total risk-based capital ratio | 11.5620% | 5,784 |
| Memoranda: | ||
| Average total assets | $153,947,600 | 3,508 |
| Average earning assets | $141,842,200 | 3,516 |
| Average equity | $8,416,200 | 4,976 |
| Average total loans | $98,119,800 | 3,420 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 1,911 |
| Cost of funding earning assets | 0.8385% | 404 |
| Net interest margin | 3.5646% | 3,287 |
| Noninterest income to average assets | 0.0767% | 6,022 |
| Noninterest expense to average assets | 3.2103% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1335% | 5,802 |
| Return on assets (ROA) | 0.2507% | 5,651 |
| Pretax return on assets | 0.2507% | 5,719 |
| Return on Equity (ROE) | 4.5980% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.5980% | 3,198 |
| Net charge-offs to loans | 0.3692% | 704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.5556% | 3,935 |
| Efficiency ratio | 96.0062% | 418 |
| Assets per employee ($millions) | 5.3353% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6685% | 348 |
| Loan loss allowance to noncurrent loans | 42.1035% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 6.1402% | 133 |
| Noncurrent loans to loans | 6.3380% | 122 |
| Net loans and leases to total assets | 56.3770% | 4,309 |
| Net loans and leases to deposits | 66.9469% | 4,286 |
| Net loans and leases to core deposits | 78.2160% | 3,589 |
| Total domestic deposits to total assets | 84.2115% | 3,336 |
| Equity capital to assets | 5.4273% | 6,219 |
| Core capital (leverage) ratio | 5.5007% | 6,216 |
| Tier 1 risk-based capital ratio | 9.4572% | 6,151 |
| Total risk-based capital ratio | 10.7259% | 6,123 |
| Memoranda: | ||
| Average total assets | $154,747,250 | 3,529 |
| Average earning assets | $141,836,000 | 3,544 |
| Average equity | $8,438,250 | 5,034 |
| Average total loans | $100,755,000 | 3,408 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 1,413 |
| Cost of funding earning assets | 0.8420% | 395 |
| Net interest margin | 3.7027% | 2,696 |
| Noninterest income to average assets | 0.0575% | 6,152 |
| Noninterest expense to average assets | 3.2293% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2549% | 5,569 |
| Return on assets (ROA) | 0.3438% | 5,418 |
| Pretax return on assets | 0.3438% | 5,587 |
| Return on Equity (ROE) | 6.2954% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.2954% | 2,063 |
| Net charge-offs to loans | 0.2939% | 892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.2829% | 3,542 |
| Efficiency ratio | 92.6829% | 601 |
| Assets per employee ($millions) | 4.6135% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6273% | 413 |
| Loan loss allowance to noncurrent loans | 41.1811% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 6.8423% | 131 |
| Noncurrent loans to loans | 6.3799% | 140 |
| Net loans and leases to total assets | 63.3177% | 3,368 |
| Net loans and leases to deposits | 75.9584% | 3,280 |
| Net loans and leases to core deposits | 90.4653% | 2,305 |
| Total domestic deposits to total assets | 83.3584% | 3,811 |
| Equity capital to assets | 5.4918% | 6,286 |
| Core capital (leverage) ratio | 5.5325% | 6,284 |
| Tier 1 risk-based capital ratio | 8.7573% | 6,269 |
| Total risk-based capital ratio | 10.0250% | 6,268 |
| Memoranda: | ||
| Average total assets | $152,976,330 | 3,582 |
| Average earning assets | $141,571,000 | 3,575 |
| Average equity | $8,355,330 | 5,086 |
| Average total loans | $103,436,330 | 3,373 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 1,185 |
| Cost of funding earning assets | 0.8459% | 386 |
| Net interest margin | 3.7712% | 2,347 |
| Noninterest income to average assets | -0.1904% | 6,381 |
| Noninterest expense to average assets | 3.1381% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1487% | 5,794 |
| Return on assets (ROA) | 0.2843% | 5,560 |
| Pretax return on assets | 0.2843% | 5,679 |
| Return on Equity (ROE) | 5.2200% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.2200% | 2,937 |
| Net charge-offs to loans | -0.5073% | 6,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4762% | 523 |
| Assets per employee ($millions) | 4.6201% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7916% | 371 |
| Loan loss allowance to noncurrent loans | 47.3745% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 7.0798% | 128 |
| Noncurrent loans to loans | 5.8927% | 187 |
| Net loans and leases to total assets | 65.9367% | 2,784 |
| Net loans and leases to deposits | 76.3759% | 3,007 |
| Net loans and leases to core deposits | 90.9682% | 2,037 |
| Total domestic deposits to total assets | 86.3318% | 2,748 |
| Equity capital to assets | 5.6066% | 6,349 |
| Core capital (leverage) ratio | 5.4297% | 6,349 |
| Tier 1 risk-based capital ratio | 8.1991% | 6,350 |
| Total risk-based capital ratio | 9.4678% | 6,348 |
| Memoranda: | ||
| Average total assets | $153,342,000 | 3,601 |
| Average earning assets | $141,387,500 | 3,599 |
| Average equity | $8,352,500 | 5,127 |
| Average total loans | $105,655,000 | 3,344 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 1,717 |
| Cost of funding earning assets | 0.9454% | 298 |
| Net interest margin | 3.5976% | 3,421 |
| Noninterest income to average assets | -0.7956% | 6,502 |
| Noninterest expense to average assets | 3.4493% | 1,602 |
| Loan and lease loss provision to assets | 0.3208% | 618 |
| Net operating income to assets | -1.3346% | 6,416 |
| Return on assets (ROA) | -1.3249% | 6,416 |
| Pretax return on assets | -1.3211% | 6,408 |
| Return on Equity (ROE) | -23.5403% | 6,453 |
| Retained earnings to average equity (ytd only) | -23.5403% | 6,442 |
| Net charge-offs to loans | 0.4103% | 1,041 |
| Credit loss provision to net charge-offs | 108.9325% | 2,191 |
| Earnings coverage of net charge-offs (x) | -3.4292% | 4,868 |
| Efficiency ratio | 141.3993% | 64 |
| Assets per employee ($millions) | 4.6734% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5516% | 519 |
| Loan loss allowance to noncurrent loans | 42.4126% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 7.1903% | 138 |
| Noncurrent loans to loans | 6.0161% | 191 |
| Net loans and leases to total assets | 68.1755% | 2,530 |
| Net loans and leases to deposits | 78.9596% | 2,839 |
| Net loans and leases to core deposits | 94.6645% | 1,853 |
| Total domestic deposits to total assets | 86.3423% | 2,648 |
| Equity capital to assets | 5.2892% | 6,450 |
| Core capital (leverage) ratio | 5.4491% | 6,439 |
| Tier 1 risk-based capital ratio | 7.6025% | 6,454 |
| Total risk-based capital ratio | 8.8685% | 6,454 |
| Memoranda: | ||
| Average total assets | $155,857,400 | 3,553 |
| Average earning assets | $140,149,800 | 3,608 |
| Average equity | $8,772,200 | 5,030 |
| Average total loans | $111,857,600 | 3,183 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6018% | 1,556 |
| Cost of funding earning assets | 0.9863% | 260 |
| Net interest margin | 3.6155% | 3,366 |
| Noninterest income to average assets | -1.2440% | 6,584 |
| Noninterest expense to average assets | 3.3813% | 1,714 |
| Loan and lease loss provision to assets | 0.4266% | 378 |
| Net operating income to assets | -1.8199% | 6,521 |
| Return on assets (ROA) | -1.8182% | 6,520 |
| Pretax return on assets | -1.8131% | 6,510 |
| Return on Equity (ROE) | -31.8313% | 6,542 |
| Retained earnings to average equity (ytd only) | -31.8313% | 6,537 |
| Net charge-offs to loans | 0.4821% | 817 |
| Credit loss provision to net charge-offs | 122.5490% | 1,882 |
| Earnings coverage of net charge-offs (x) | -3.9877% | 4,598 |
| Efficiency ratio | 169.6490% | 37 |
| Assets per employee ($millions) | 4.4970% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6084% | 564 |
| Loan loss allowance to noncurrent loans | 45.6826% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 8.0471% | 130 |
| Noncurrent loans to loans | 5.7098% | 262 |
| Net loans and leases to total assets | 70.5494% | 2,102 |
| Net loans and leases to deposits | 82.0360% | 2,419 |
| Net loans and leases to core deposits | 96.0382% | 1,671 |
| Total domestic deposits to total assets | 85.9981% | 2,845 |
| Equity capital to assets | 5.3638% | 6,511 |
| Core capital (leverage) ratio | 5.4710% | 6,507 |
| Tier 1 risk-based capital ratio | 7.3812% | 6,526 |
| Total risk-based capital ratio | 8.6472% | 6,525 |
| Memoranda: | ||
| Average total assets | $156,266,500 | 3,573 |
| Average earning assets | $139,913,250 | 3,630 |
| Average equity | $8,926,000 | 5,030 |
| Average total loans | $112,848,500 | 3,184 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 1,770 |
| Cost of funding earning assets | 1.0290% | 222 |
| Net interest margin | 3.4915% | 3,817 |
| Noninterest income to average assets | -1.9385% | 6,655 |
| Noninterest expense to average assets | 3.3797% | 1,728 |
| Loan and lease loss provision to assets | 0.5664% | 252 |
| Net operating income to assets | -2.7743% | 6,623 |
| Return on assets (ROA) | -2.7743% | 6,622 |
| Pretax return on assets | -2.7667% | 6,619 |
| Return on Equity (ROE) | -47.6644% | 6,635 |
| Retained earnings to average equity (ytd only) | -47.6644% | 6,625 |
| Net charge-offs to loans | 0.8619% | 432 |
| Credit loss provision to net charge-offs | 91.0931% | 2,157 |
| Earnings coverage of net charge-offs (x) | -3.5385% | 4,279 |
| Efficiency ratio | 286.5528% | 10 |
| Assets per employee ($millions) | 4.3078% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4276% | 785 |
| Loan loss allowance to noncurrent loans | 40.0540% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 8.2801% | 129 |
| Noncurrent loans to loans | 6.0607% | 255 |
| Net loans and leases to total assets | 71.1253% | 1,902 |
| Net loans and leases to deposits | 79.4031% | 2,597 |
| Net loans and leases to core deposits | 93.5995% | 1,808 |
| Total domestic deposits to total assets | 89.5750% | 1,036 |
| Equity capital to assets | 5.2390% | 6,576 |
| Core capital (leverage) ratio | 5.1245% | 6,580 |
| Tier 1 risk-based capital ratio | 7.0803% | 6,596 |
| Total risk-based capital ratio | 8.3443% | 6,595 |
| Memoranda: | ||
| Average total assets | $158,888,330 | 3,554 |
| Average earning assets | $141,889,000 | 3,620 |
| Average equity | $9,248,000 | 4,974 |
| Average total loans | $114,631,330 | 3,164 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 1,127 |
| Cost of funding earning assets | 1.0985% | 162 |
| Net interest margin | 3.6597% | 3,023 |
| Noninterest income to average assets | -0.1939% | 6,685 |
| Noninterest expense to average assets | 3.1078% | 2,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0614% | 6,256 |
| Return on assets (ROA) | -0.0614% | 6,264 |
| Pretax return on assets | -0.0466% | 6,248 |
| Return on Equity (ROE) | -1.0078% | 6,299 |
| Retained earnings to average equity (ytd only) | -1.0078% | 5,727 |
| Net charge-offs to loans | -0.0547% | 5,839 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5237% | 437 |
| Assets per employee ($millions) | 5.1698% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3980% | 915 |
| Loan loss allowance to noncurrent loans | 44.9349% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 8.7974% | 138 |
| Noncurrent loans to loans | 5.3366% | 387 |
| Net loans and leases to total assets | 69.2824% | 2,017 |
| Net loans and leases to deposits | 78.3204% | 2,504 |
| Net loans and leases to core deposits | 94.4801% | 1,513 |
| Total domestic deposits to total assets | 88.4602% | 1,955 |
| Equity capital to assets | 6.2223% | 6,550 |
| Core capital (leverage) ratio | 6.1697% | 6,566 |
| Tier 1 risk-based capital ratio | 8.5405% | 6,611 |
| Total risk-based capital ratio | 9.8030% | 6,614 |
| Memoranda: | ||
| Average total assets | $162,946,500 | 3,514 |
| Average earning assets | $144,929,500 | 3,606 |
| Average equity | $9,922,500 | 4,834 |
| Average total loans | $116,994,500 | 3,136 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 974 |
| Cost of funding earning assets | 1.2908% | 115 |
| Net interest margin | 3.6784% | 3,140 |
| Noninterest income to average assets | -0.7624% | 6,800 |
| Noninterest expense to average assets | 3.6788% | 1,317 |
| Loan and lease loss provision to assets | 0.5266% | 518 |
| Net operating income to assets | -2.8964% | 6,758 |
| Return on assets (ROA) | -2.8865% | 6,757 |
| Pretax return on assets | -1.7414% | 6,685 |
| Return on Equity (ROE) | -37.6404% | 6,752 |
| Retained earnings to average equity (ytd only) | -37.6404% | 6,749 |
| Net charge-offs to loans | 1.5075% | 313 |
| Credit loss provision to net charge-offs | 47.5185% | 3,876 |
| Earnings coverage of net charge-offs (x) | -1.1051% | 5,268 |
| Efficiency ratio | 147.9256% | 66 |
| Assets per employee ($millions) | 4.2469% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2557% | 1,109 |
| Loan loss allowance to noncurrent loans | 36.0447% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 10.0435% | 127 |
| Noncurrent loans to loans | 6.2582% | 316 |
| Net loans and leases to total assets | 70.9503% | 1,850 |
| Net loans and leases to deposits | 80.3532% | 2,411 |
| Net loans and leases to core deposits | 99.8462% | 1,171 |
| Total domestic deposits to total assets | 88.2980% | 2,007 |
| Equity capital to assets | 5.9609% | 6,618 |
| Core capital (leverage) ratio | 5.9945% | 6,650 |
| Tier 1 risk-based capital ratio | 8.0412% | 6,694 |
| Total risk-based capital ratio | 9.3021% | 6,696 |
| Memoranda: | ||
| Average total assets | $170,899,000 | 3,396 |
| Average earning assets | $149,440,800 | 3,512 |
| Average equity | $13,105,600 | 4,245 |
| Average total loans | $125,637,600 | 2,922 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 882 |
| Cost of funding earning assets | 1.3204% | 112 |
| Net interest margin | 3.7106% | 2,991 |
| Noninterest income to average assets | -0.9956% | 6,884 |
| Noninterest expense to average assets | 3.5822% | 1,431 |
| Loan and lease loss provision to assets | 0.3871% | 795 |
| Net operating income to assets | -2.9064% | 6,843 |
| Return on assets (ROA) | -2.8932% | 6,844 |
| Pretax return on assets | -1.7210% | 6,776 |
| Return on Equity (ROE) | -35.8102% | 6,832 |
| Retained earnings to average equity (ytd only) | -35.8102% | 6,828 |
| Net charge-offs to loans | 1.7807% | 237 |
| Credit loss provision to net charge-offs | 29.4811% | 3,905 |
| Earnings coverage of net charge-offs (x) | -1.0259% | 5,017 |
| Efficiency ratio | 158.1226% | 62 |
| Assets per employee ($millions) | 4.1368% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0768% | 1,555 |
| Loan loss allowance to noncurrent loans | 39.3911% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 9.5036% | 152 |
| Noncurrent loans to loans | 5.2723% | 541 |
| Net loans and leases to total assets | 69.7760% | 2,003 |
| Net loans and leases to deposits | 79.3987% | 2,492 |
| Net loans and leases to core deposits | 98.4781% | 1,205 |
| Total domestic deposits to total assets | 87.8804% | 2,204 |
| Equity capital to assets | 6.5934% | 6,631 |
| Core capital (leverage) ratio | 6.3055% | 6,690 |
| Tier 1 risk-based capital ratio | 8.6020% | 6,745 |
| Total risk-based capital ratio | 9.8610% | 6,747 |
| Memoranda: | ||
| Average total assets | $172,216,250 | 3,401 |
| Average earning assets | $149,946,000 | 3,533 |
| Average equity | $13,913,750 | 4,131 |
| Average total loans | $126,990,250 | 2,928 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 811 |
| Cost of funding earning assets | 1.3329% | 120 |
| Net interest margin | 3.7414% | 2,799 |
| Noninterest income to average assets | -0.0936% | 6,847 |
| Noninterest expense to average assets | 3.5451% | 1,510 |
| Loan and lease loss provision to assets | 0.5778% | 444 |
| Net operating income to assets | -0.9799% | 6,750 |
| Return on assets (ROA) | -0.9602% | 6,752 |
| Pretax return on assets | -0.9533% | 6,731 |
| Return on Equity (ROE) | -11.2115% | 6,756 |
| Retained earnings to average equity (ytd only) | -11.2115% | 6,692 |
| Net charge-offs to loans | 2.4490% | 158 |
| Credit loss provision to net charge-offs | 31.6456% | 3,559 |
| Earnings coverage of net charge-offs (x) | -0.2165% | 4,622 |
| Efficiency ratio | 111.0051% | 264 |
| Assets per employee ($millions) | 4.1330% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0750% | 1,688 |
| Loan loss allowance to noncurrent loans | 43.6285% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 10.1937% | 142 |
| Noncurrent loans to loans | 4.7561% | 702 |
| Net loans and leases to total assets | 71.3920% | 1,663 |
| Net loans and leases to deposits | 82.4817% | 1,996 |
| Net loans and leases to core deposits | 105.4330% | 769 |
| Total domestic deposits to total assets | 86.5549% | 3,091 |
| Equity capital to assets | 8.1791% | 6,071 |
| Core capital (leverage) ratio | 7.1142% | 6,581 |
| Tier 1 risk-based capital ratio | 9.3793% | 6,733 |
| Total risk-based capital ratio | 10.6401% | 6,717 |
| Memoranda: | ||
| Average total assets | $173,085,000 | 3,408 |
| Average earning assets | $150,050,670 | 3,555 |
| Average equity | $14,824,000 | 3,980 |
| Average total loans | $129,034,670 | 2,900 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 708 |
| Cost of funding earning assets | 1.3452% | 130 |
| Net interest margin | 3.7790% | 2,530 |
| Noninterest income to average assets | 0.0602% | 6,698 |
| Noninterest expense to average assets | 3.6405% | 1,353 |
| Loan and lease loss provision to assets | 0.4629% | 604 |
| Net operating income to assets | -0.7730% | 6,759 |
| Return on assets (ROA) | -0.7337% | 6,763 |
| Pretax return on assets | -0.7337% | 6,741 |
| Return on Equity (ROE) | -8.3768% | 6,771 |
| Retained earnings to average equity (ytd only) | -8.3768% | 6,546 |
| Net charge-offs to loans | 3.9271% | 70 |
| Credit loss provision to net charge-offs | 15.6372% | 3,095 |
| Earnings coverage of net charge-offs (x) | -0.1048% | 3,853 |
| Efficiency ratio | 109.3120% | 336 |
| Assets per employee ($millions) | 3.9988% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0616% | 1,887 |
| Loan loss allowance to noncurrent loans | 44.0034% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 10.6241% | 169 |
| Noncurrent loans to loans | 4.6851% | 859 |
| Net loans and leases to total assets | 70.9279% | 1,531 |
| Net loans and leases to deposits | 82.0331% | 1,823 |
| Net loans and leases to core deposits | 104.7095% | 691 |
| Total domestic deposits to total assets | 86.4626% | 3,265 |
| Equity capital to assets | 8.5059% | 6,014 |
| Core capital (leverage) ratio | 7.3327% | 6,533 |
| Tier 1 risk-based capital ratio | 9.6790% | 6,736 |
| Total risk-based capital ratio | 10.9383% | 6,716 |
| Memoranda: | ||
| Average total assets | $172,833,500 | 3,452 |
| Average earning assets | $149,565,000 | 3,600 |
| Average equity | $15,137,000 | 3,968 |
| Average total loans | $130,275,000 | 2,887 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6235% | 488 |
| Cost of funding earning assets | 1.5194% | 149 |
| Net interest margin | 4.1042% | 1,984 |
| Noninterest income to average assets | -0.3703% | 7,010 |
| Noninterest expense to average assets | 3.9261% | 1,073 |
| Loan and lease loss provision to assets | 1.1490% | 318 |
| Net operating income to assets | -1.9543% | 6,920 |
| Return on assets (ROA) | -1.8251% | 6,919 |
| Pretax return on assets | -1.7914% | 6,904 |
| Return on Equity (ROE) | -18.7805% | 6,866 |
| Retained earnings to average equity (ytd only) | -18.7805% | 6,829 |
| Net charge-offs to loans | 1.6652% | 501 |
| Credit loss provision to net charge-offs | 89.5472% | 3,496 |
| Earnings coverage of net charge-offs (x) | -0.6014% | 5,694 |
| Efficiency ratio | 124.4620% | 178 |
| Assets per employee ($millions) | 3.6110% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7838% | 833 |
| Loan loss allowance to noncurrent loans | 50.8717% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 11.2245% | 175 |
| Noncurrent loans to loans | 5.4723% | 679 |
| Net loans and leases to total assets | 76.2559% | 879 |
| Net loans and leases to deposits | 89.3964% | 1,129 |
| Net loans and leases to core deposits | 111.1350% | 499 |
| Total domestic deposits to total assets | 85.3009% | 3,711 |
| Equity capital to assets | 9.0197% | 5,504 |
| Core capital (leverage) ratio | 7.6766% | 6,420 |
| Tier 1 risk-based capital ratio | 9.6566% | 6,781 |
| Total risk-based capital ratio | 10.9251% | 6,760 |
| Memoranda: | ||
| Average total assets | $184,153,600 | 3,255 |
| Average earning assets | $158,156,600 | 3,401 |
| Average equity | $17,896,200 | 3,488 |
| Average total loans | $141,908,000 | 2,692 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6659% | 497 |
| Cost of funding earning assets | 1.5845% | 137 |
| Net interest margin | 4.0814% | 2,162 |
| Noninterest income to average assets | 0.8471% | 2,049 |
| Noninterest expense to average assets | 4.0149% | 921 |
| Loan and lease loss provision to assets | 0.8166% | 573 |
| Net operating income to assets | -0.2942% | 6,567 |
| Return on assets (ROA) | -0.1860% | 6,562 |
| Pretax return on assets | -0.3181% | 6,612 |
| Return on Equity (ROE) | -1.8838% | 6,560 |
| Retained earnings to average equity (ytd only) | -1.8838% | 6,385 |
| Net charge-offs to loans | 1.4036% | 642 |
| Credit loss provision to net charge-offs | 75.8075% | 3,746 |
| Earnings coverage of net charge-offs (x) | 0.3059% | 5,170 |
| Efficiency ratio | 92.4158% | 865 |
| Assets per employee ($millions) | 3.6605% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6424% | 1,043 |
| Loan loss allowance to noncurrent loans | 40.9273% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 13.4275% | 117 |
| Noncurrent loans to loans | 6.4563% | 593 |
| Net loans and leases to total assets | 76.7557% | 872 |
| Net loans and leases to deposits | 91.1074% | 1,041 |
| Net loans and leases to core deposits | 114.0149% | 430 |
| Total domestic deposits to total assets | 84.2475% | 4,104 |
| Equity capital to assets | 10.8276% | 3,469 |
| Core capital (leverage) ratio | 9.2559% | 4,670 |
| Tier 1 risk-based capital ratio | 11.7594% | 6,077 |
| Total risk-based capital ratio | 13.0257% | 6,052 |
| Memoranda: | ||
| Average total assets | $187,762,500 | 3,234 |
| Average earning assets | $160,889,500 | 3,404 |
| Average equity | $18,543,250 | 3,426 |
| Average total loans | $144,103,500 | 2,696 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6579% | 525 |
| Cost of funding earning assets | 1.6562% | 120 |
| Net interest margin | 4.0017% | 2,498 |
| Noninterest income to average assets | 0.4870% | 4,011 |
| Noninterest expense to average assets | 4.0372% | 902 |
| Loan and lease loss provision to assets | 0.9585% | 468 |
| Net operating income to assets | -0.7374% | 6,835 |
| Return on assets (ROA) | -0.6166% | 6,810 |
| Pretax return on assets | -0.8984% | 6,876 |
| Return on Equity (ROE) | -6.4272% | 6,811 |
| Retained earnings to average equity (ytd only) | -6.4272% | 6,689 |
| Net charge-offs to loans | 2.2311% | 340 |
| Credit loss provision to net charge-offs | 56.4369% | 3,890 |
| Earnings coverage of net charge-offs (x) | -0.0677% | 5,117 |
| Efficiency ratio | 102.9326% | 464 |
| Assets per employee ($millions) | 3.4582% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2541% | 1,667 |
| Loan loss allowance to noncurrent loans | 67.8190% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 11.2291% | 207 |
| Noncurrent loans to loans | 3.3236% | 1,756 |
| Net loans and leases to total assets | 76.5870% | 898 |
| Net loans and leases to deposits | 85.2594% | 1,693 |
| Net loans and leases to core deposits | 109.1753% | 607 |
| Total domestic deposits to total assets | 89.8283% | 1,028 |
| Equity capital to assets | 9.9671% | 4,386 |
| Core capital (leverage) ratio | 8.6552% | 5,441 |
| Tier 1 risk-based capital ratio | 11.0514% | 6,472 |
| Total risk-based capital ratio | 12.3127% | 6,438 |
| Memoranda: | ||
| Average total assets | $193,002,670 | 3,180 |
| Average earning assets | $165,680,330 | 3,334 |
| Average equity | $18,515,000 | 3,424 |
| Average total loans | $146,926,000 | 2,655 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5712% | 666 |
| Cost of funding earning assets | 1.6921% | 126 |
| Net interest margin | 3.8791% | 3,012 |
| Noninterest income to average assets | 0.1617% | 6,417 |
| Noninterest expense to average assets | 4.0190% | 917 |
| Loan and lease loss provision to assets | 0.6065% | 942 |
| Net operating income to assets | -0.7499% | 6,934 |
| Return on assets (ROA) | -0.5175% | 6,866 |
| Pretax return on assets | -0.7621% | 6,921 |
| Return on Equity (ROE) | -5.4940% | 6,867 |
| Retained earnings to average equity (ytd only) | -5.4940% | 6,616 |
| Net charge-offs to loans | 3.2735% | 208 |
| Credit loss provision to net charge-offs | 24.6711% | 3,712 |
| Earnings coverage of net charge-offs (x) | -0.2023% | 4,438 |
| Efficiency ratio | 114.1217% | 284 |
| Assets per employee ($millions) | 3.6486% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 2,203 |
| Loan loss allowance to noncurrent loans | 35.5761% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 11.7535% | 214 |
| Noncurrent loans to loans | 5.7777% | 897 |
| Net loans and leases to total assets | 73.4021% | 1,152 |
| Net loans and leases to deposits | 81.2969% | 2,021 |
| Net loans and leases to core deposits | 111.1650% | 493 |
| Total domestic deposits to total assets | 90.2890% | 923 |
| Equity capital to assets | 9.4162% | 4,931 |
| Core capital (leverage) ratio | 9.0913% | 4,697 |
| Tier 1 risk-based capital ratio | 11.4919% | 6,286 |
| Total risk-based capital ratio | 12.7504% | 6,261 |
| Memoranda: | ||
| Average total assets | $197,862,500 | 3,135 |
| Average earning assets | $171,382,000 | 3,265 |
| Average equity | $18,638,500 | 3,400 |
| Average total loans | $148,585,000 | 2,654 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1500% | 342 |
| Cost of funding earning assets | 1.7145% | 305 |
| Net interest margin | 4.4355% | 1,300 |
| Noninterest income to average assets | 0.1106% | 6,599 |
| Noninterest expense to average assets | 3.9379% | 1,133 |
| Loan and lease loss provision to assets | 0.9566% | 1,005 |
| Net operating income to assets | -0.6200% | 6,562 |
| Return on assets (ROA) | -0.6410% | 6,613 |
| Pretax return on assets | -0.9027% | 6,693 |
| Return on Equity (ROE) | -6.7127% | 6,616 |
| Retained earnings to average equity (ytd only) | -6.7127% | 6,555 |
| Net charge-offs to loans | 1.0838% | 1,592 |
| Credit loss provision to net charge-offs | 112.2248% | 2,945 |
| Earnings coverage of net charge-offs (x) | 0.0979% | 5,758 |
| Efficiency ratio | 97.9246% | 728 |
| Assets per employee ($millions) | 3.3117% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6439% | 1,139 |
| Loan loss allowance to noncurrent loans | 40.8452% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 9.7367% | 353 |
| Noncurrent loans to loans | 6.4729% | 727 |
| Net loans and leases to total assets | 73.2569% | 1,395 |
| Net loans and leases to deposits | 81.1361% | 2,331 |
| Net loans and leases to core deposits | 109.4393% | 637 |
| Total domestic deposits to total assets | 90.2890% | 821 |
| Equity capital to assets | 9.4237% | 5,000 |
| Core capital (leverage) ratio | 8.8106% | 5,080 |
| Tier 1 risk-based capital ratio | 11.4204% | 6,205 |
| Total risk-based capital ratio | 12.6881% | 6,187 |
| Memoranda: | ||
| Average total assets | $202,493,000 | 3,030 |
| Average earning assets | $178,535,400 | 3,110 |
| Average equity | $19,336,400 | 3,238 |
| Average total loans | $159,249,600 | 2,505 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2232% | 310 |
| Cost of funding earning assets | 1.7075% | 386 |
| Net interest margin | 4.5157% | 1,105 |
| Noninterest income to average assets | 0.1763% | 6,325 |
| Noninterest expense to average assets | 3.9375% | 1,091 |
| Loan and lease loss provision to assets | 0.6554% | 1,489 |
| Net operating income to assets | -0.3015% | 6,498 |
| Return on assets (ROA) | -0.3290% | 6,581 |
| Pretax return on assets | -0.4712% | 6,604 |
| Return on Equity (ROE) | -3.4343% | 6,594 |
| Retained earnings to average equity (ytd only) | -3.4343% | 6,467 |
| Net charge-offs to loans | 0.5170% | 2,689 |
| Credit loss provision to net charge-offs | 159.4896% | 1,936 |
| Earnings coverage of net charge-offs (x) | 0.5439% | 5,224 |
| Efficiency ratio | 94.6291% | 883 |
| Assets per employee ($millions) | 3.5432% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6892% | 1,141 |
| Loan loss allowance to noncurrent loans | 25.4263% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 11.1768% | 278 |
| Noncurrent loans to loans | 10.5763% | 321 |
| Net loans and leases to total assets | 73.7298% | 1,368 |
| Net loans and leases to deposits | 81.8638% | 2,385 |
| Net loans and leases to core deposits | 110.0813% | 670 |
| Total domestic deposits to total assets | 90.0640% | 832 |
| Equity capital to assets | 9.6736% | 4,818 |
| Core capital (leverage) ratio | 9.1593% | 4,693 |
| Tier 1 risk-based capital ratio | 11.9373% | 5,938 |
| Total risk-based capital ratio | 13.2045% | 5,908 |
| Memoranda: | ||
| Average total assets | $203,440,750 | 3,038 |
| Average earning assets | $179,517,000 | 3,116 |
| Average equity | $19,489,250 | 3,220 |
| Average total loans | $161,683,000 | 2,487 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1633% | 347 |
| Cost of funding earning assets | 1.7018% | 462 |
| Net interest margin | 4.4616% | 1,221 |
| Noninterest income to average assets | -0.2668% | 7,373 |
| Noninterest expense to average assets | 3.9111% | 1,172 |
| Loan and lease loss provision to assets | 0.3432% | 2,725 |
| Net operating income to assets | -0.4148% | 6,619 |
| Return on assets (ROA) | -0.4560% | 6,677 |
| Pretax return on assets | -0.6512% | 6,737 |
| Return on Equity (ROE) | -4.7758% | 6,696 |
| Retained earnings to average equity (ytd only) | -4.7758% | 6,545 |
| Net charge-offs to loans | -0.2273% | 7,311 |
| Credit loss provision to net charge-offs | -187.1658% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8024% | 542 |
| Assets per employee ($millions) | 3.3946% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6681% | 1,213 |
| Loan loss allowance to noncurrent loans | 31.0522% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 11.0110% | 309 |
| Noncurrent loans to loans | 8.5923% | 500 |
| Net loans and leases to total assets | 77.9386% | 789 |
| Net loans and leases to deposits | 86.6238% | 1,698 |
| Net loans and leases to core deposits | 115.3472% | 528 |
| Total domestic deposits to total assets | 89.9736% | 989 |
| Equity capital to assets | 9.7008% | 4,536 |
| Core capital (leverage) ratio | 9.1787% | 4,443 |
| Tier 1 risk-based capital ratio | 11.4976% | 6,168 |
| Total risk-based capital ratio | 12.7648% | 6,141 |
| Memoranda: | ||
| Average total assets | $203,933,330 | 3,054 |
| Average earning assets | $179,577,670 | 3,142 |
| Average equity | $19,473,330 | 3,207 |
| Average total loans | $164,570,000 | 2,476 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6603% | 165 |
| Cost of funding earning assets | 1.6944% | 563 |
| Net interest margin | 4.9659% | 408 |
| Noninterest income to average assets | -1.0653% | 7,539 |
| Noninterest expense to average assets | 3.6781% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2877% | 6,648 |
| Return on assets (ROA) | -0.3810% | 6,736 |
| Pretax return on assets | -0.5093% | 6,757 |
| Return on Equity (ROE) | -4.0214% | 6,739 |
| Retained earnings to average equity (ytd only) | -4.0214% | 6,413 |
| Net charge-offs to loans | -1.0296% | 7,487 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6883% | 466 |
| Assets per employee ($millions) | 3.1885% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5202% | 1,434 |
| Loan loss allowance to noncurrent loans | 29.3836% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 10.5948% | 364 |
| Noncurrent loans to loans | 8.5767% | 541 |
| Net loans and leases to total assets | 79.0618% | 613 |
| Net loans and leases to deposits | 87.8956% | 1,477 |
| Net loans and leases to core deposits | 116.5943% | 513 |
| Total domestic deposits to total assets | 89.9496% | 1,177 |
| Equity capital to assets | 9.5138% | 4,414 |
| Core capital (leverage) ratio | 9.2274% | 4,247 |
| Tier 1 risk-based capital ratio | 11.4675% | 6,125 |
| Total risk-based capital ratio | 12.7338% | 6,098 |
| Memoranda: | ||
| Average total assets | $205,759,000 | 3,037 |
| Average earning assets | $180,592,500 | 3,137 |
| Average equity | $19,495,500 | 3,188 |
| Average total loans | $166,667,000 | 2,475 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7156% | 228 |
| Cost of funding earning assets | 2.2174% | 294 |
| Net interest margin | 4.4982% | 1,227 |
| Noninterest income to average assets | 1.6359% | 543 |
| Noninterest expense to average assets | 3.2575% | 2,884 |
| Loan and lease loss provision to assets | 2.2647% | 539 |
| Net operating income to assets | 0.6176% | 3,592 |
| Return on assets (ROA) | 0.6409% | 3,635 |
| Pretax return on assets | 0.2316% | 5,407 |
| Return on Equity (ROE) | 7.8733% | 2,749 |
| Retained earnings to average equity (ytd only) | 7.8733% | 1,022 |
| Net charge-offs to loans | 2.2416% | 868 |
| Credit loss provision to net charge-offs | 122.6869% | 3,405 |
| Earnings coverage of net charge-offs (x) | 1.3397% | 4,762 |
| Efficiency ratio | 56.8450% | 6,482 |
| Assets per employee ($millions) | 3.0964% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2297% | 1,821 |
| Loan loss allowance to noncurrent loans | 27.2920% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 10.2537% | 391 |
| Noncurrent loans to loans | 8.1697% | 625 |
| Net loans and leases to total assets | 79.0944% | 784 |
| Net loans and leases to deposits | 92.3954% | 1,223 |
| Net loans and leases to core deposits | 122.7821% | 455 |
| Total domestic deposits to total assets | 85.6042% | 3,553 |
| Equity capital to assets | 9.4367% | 4,491 |
| Core capital (leverage) ratio | 8.7774% | 4,888 |
| Tier 1 risk-based capital ratio | 11.2095% | 6,170 |
| Total risk-based capital ratio | 12.4716% | 6,148 |
| Memoranda: | ||
| Average total assets | $231,865,000 | 2,726 |
| Average earning assets | $211,060,400 | 2,741 |
| Average equity | $18,873,800 | 3,293 |
| Average total loans | $190,931,600 | 2,244 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9755% | 154 |
| Cost of funding earning assets | 2.3643% | 217 |
| Net interest margin | 4.6112% | 1,016 |
| Noninterest income to average assets | 1.4198% | 673 |
| Noninterest expense to average assets | 3.1836% | 2,986 |
| Loan and lease loss provision to assets | 2.4815% | 425 |
| Net operating income to assets | 0.8847% | 2,676 |
| Return on assets (ROA) | 0.9037% | 2,740 |
| Pretax return on assets | 0.0006% | 6,086 |
| Return on Equity (ROE) | 11.5018% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.5018% | 527 |
| Net charge-offs to loans | 2.2246% | 804 |
| Credit loss provision to net charge-offs | 134.9482% | 2,987 |
| Earnings coverage of net charge-offs (x) | 1.3394% | 4,743 |
| Efficiency ratio | 56.3802% | 6,503 |
| Assets per employee ($millions) | 3.2704% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1398% | 1,907 |
| Loan loss allowance to noncurrent loans | 26.7806% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 8.5198% | 562 |
| Noncurrent loans to loans | 7.9901% | 650 |
| Net loans and leases to total assets | 80.5719% | 655 |
| Net loans and leases to deposits | 88.9113% | 1,870 |
| Net loans and leases to core deposits | 113.4242% | 865 |
| Total domestic deposits to total assets | 90.6205% | 586 |
| Equity capital to assets | 9.0342% | 5,530 |
| Core capital (leverage) ratio | 8.6883% | 5,206 |
| Tier 1 risk-based capital ratio | 10.9910% | 6,393 |
| Total risk-based capital ratio | 12.2528% | 6,360 |
| Memoranda: | ||
| Average total assets | $237,967,250 | 2,691 |
| Average earning assets | $218,129,500 | 2,687 |
| Average equity | $18,698,000 | 3,358 |
| Average total loans | $196,707,500 | 2,226 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5814% | 87 |
| Cost of funding earning assets | 2.4517% | 205 |
| Net interest margin | 5.1297% | 324 |
| Noninterest income to average assets | 0.2484% | 6,133 |
| Noninterest expense to average assets | 3.0836% | 3,382 |
| Loan and lease loss provision to assets | 2.7735% | 381 |
| Net operating income to assets | -0.8680% | 6,891 |
| Return on assets (ROA) | -0.9714% | 6,953 |
| Pretax return on assets | -0.9771% | 6,878 |
| Return on Equity (ROE) | -12.9541% | 7,071 |
| Retained earnings to average equity (ytd only) | -12.9541% | 7,031 |
| Net charge-offs to loans | 3.1713% | 488 |
| Credit loss provision to net charge-offs | 105.6722% | 3,856 |
| Earnings coverage of net charge-offs (x) | 0.7242% | 5,026 |
| Efficiency ratio | 61.8647% | 5,711 |
| Assets per employee ($millions) | 3.2371% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 3,797 |
| Loan loss allowance to noncurrent loans | 17.5767% | 7,050 |
| Noncurrent assets plus other real estate owned to assets | 7.9190% | 624 |
| Noncurrent loans to loans | 8.6713% | 567 |
| Net loans and leases to total assets | 80.7152% | 701 |
| Net loans and leases to deposits | 91.6607% | 1,584 |
| Net loans and leases to core deposits | 116.3218% | 835 |
| Total domestic deposits to total assets | 88.0587% | 1,969 |
| Equity capital to assets | 7.4353% | 7,153 |
| Core capital (leverage) ratio | 7.0214% | 7,181 |
| Tier 1 risk-based capital ratio | 9.2685% | 7,348 |
| Total risk-based capital ratio | 10.5226% | 7,351 |
| Memoranda: | ||
| Average total assets | $243,160,000 | 2,677 |
| Average earning assets | $224,497,670 | 2,632 |
| Average equity | $18,233,670 | 3,427 |
| Average total loans | $201,243,000 | 2,204 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4969% | 105 |
| Cost of funding earning assets | 2.4152% | 287 |
| Net interest margin | 5.0816% | 359 |
| Noninterest income to average assets | 0.3796% | 5,100 |
| Noninterest expense to average assets | 2.8793% | 4,137 |
| Loan and lease loss provision to assets | 0.4623% | 2,656 |
| Net operating income to assets | 1.5297% | 849 |
| Return on assets (ROA) | 1.5297% | 914 |
| Pretax return on assets | 1.7308% | 999 |
| Return on Equity (ROE) | 20.3173% | 362 |
| Retained earnings to average equity (ytd only) | 20.3173% | 187 |
| Net charge-offs to loans | 0.1971% | 3,728 |
| Credit loss provision to net charge-offs | 282.1782% | 1,401 |
| Earnings coverage of net charge-offs (x) | 13.3861% | 1,498 |
| Efficiency ratio | 56.7637% | 6,658 |
| Assets per employee ($millions) | 3.4313% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 4,201 |
| Loan loss allowance to noncurrent loans | 15.8880% | 7,182 |
| Noncurrent assets plus other real estate owned to assets | 8.0944% | 606 |
| Noncurrent loans to loans | 9.0736% | 526 |
| Net loans and leases to total assets | 82.9249% | 479 |
| Net loans and leases to deposits | 101.8482% | 652 |
| Net loans and leases to core deposits | 127.7031% | 544 |
| Total domestic deposits to total assets | 81.4201% | 5,307 |
| Equity capital to assets | 7.7739% | 6,866 |
| Core capital (leverage) ratio | 7.9538% | 6,306 |
| Tier 1 risk-based capital ratio | 9.8904% | 7,098 |
| Total risk-based capital ratio | 11.1438% | 7,090 |
| Memoranda: | ||
| Average total assets | $246,587,500 | 2,685 |
| Average earning assets | $227,722,000 | 2,661 |
| Average equity | $18,565,500 | 3,383 |
| Average total loans | $205,021,500 | 2,229 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9379% | 2,094 |
| Cost of funding earning assets | 2.9700% | 253 |
| Net interest margin | 2.9679% | 6,720 |
| Noninterest income to average assets | 0.1245% | 7,128 |
| Noninterest expense to average assets | 2.7094% | 5,345 |
| Loan and lease loss provision to assets | 1.7017% | 1,341 |
| Net operating income to assets | -1.4664% | 6,837 |
| Return on assets (ROA) | -1.3872% | 6,814 |
| Pretax return on assets | -1.4570% | 6,674 |
| Return on Equity (ROE) | -17.4082% | 7,054 |
| Retained earnings to average equity (ytd only) | -20.1503% | 7,113 |
| Net charge-offs to loans | 1.7249% | 1,452 |
| Credit loss provision to net charge-offs | 118.0793% | 4,581 |
| Earnings coverage of net charge-offs (x) | 0.1120% | 6,045 |
| Efficiency ratio | 94.3777% | 1,388 |
| Assets per employee ($millions) | 3.3723% | 5,320 |
| Cash dividends to net income (ytd only)* | -15.7519% | 7,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 4,472 |
| Loan loss allowance to noncurrent loans | 18.7458% | 7,115 |
| Noncurrent assets plus other real estate owned to assets | 6.6511% | 806 |
| Noncurrent loans to loans | 7.2085% | 755 |
| Net loans and leases to total assets | 81.0624% | 831 |
| Net loans and leases to deposits | 98.6458% | 1,039 |
| Net loans and leases to core deposits | 128.1351% | 1,388 |
| Total domestic deposits to total assets | 82.1752% | 4,876 |
| Equity capital to assets | 7.2899% | 7,208 |
| Core capital (leverage) ratio | 7.1810% | 7,088 |
| Tier 1 risk-based capital ratio | 9.4612% | 7,254 |
| Total risk-based capital ratio | 10.7134% | 7,228 |
| Memoranda: | ||
| Average total assets | $252,154,800 | 2,587 |
| Average earning assets | $233,330,400 | 2,569 |
| Average equity | $20,094,000 | 3,180 |
| Average total loans | $210,682,200 | 2,190 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9917% | 2,072 |
| Cost of funding earning assets | 3.0232% | 309 |
| Net interest margin | 2.9685% | 6,690 |
| Noninterest income to average assets | 0.4905% | 4,574 |
| Noninterest expense to average assets | 2.6075% | 5,692 |
| Loan and lease loss provision to assets | 1.7620% | 1,048 |
| Net operating income to assets | -1.0705% | 6,873 |
| Return on assets (ROA) | -0.9377% | 6,795 |
| Pretax return on assets | -0.9884% | 6,679 |
| Return on Equity (ROE) | -11.5249% | 6,994 |
| Retained earnings to average equity (ytd only) | -15.0964% | 7,138 |
| Net charge-offs to loans | 1.5094% | 1,353 |
| Credit loss provision to net charge-offs | 139.1504% | 3,549 |
| Earnings coverage of net charge-offs (x) | 0.5006% | 5,527 |
| Efficiency ratio | 80.4426% | 2,781 |
| Assets per employee ($millions) | 3.3511% | 5,252 |
| Cash dividends to net income (ytd only)* | -30.9899% | 7,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,413 |
| Loan loss allowance to noncurrent loans | 28.9808% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 5.3531% | 1,082 |
| Noncurrent loans to loans | 5.1897% | 1,242 |
| Net loans and leases to total assets | 76.5179% | 1,890 |
| Net loans and leases to deposits | 93.1681% | 2,033 |
| Net loans and leases to core deposits | 122.7282% | 2,020 |
| Total domestic deposits to total assets | 82.1288% | 4,629 |
| Equity capital to assets | 7.7771% | 7,060 |
| Core capital (leverage) ratio | 7.7105% | 6,718 |
| Tier 1 risk-based capital ratio | 9.9854% | 6,999 |
| Total risk-based capital ratio | 11.2383% | 6,953 |
| Memoranda: | ||
| Average total assets | $252,805,750 | 2,595 |
| Average earning assets | $234,272,500 | 2,573 |
| Average equity | $20,569,500 | 3,161 |
| Average total loans | $212,087,000 | 2,199 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0645% | 1,928 |
| Cost of funding earning assets | 3.0723% | 384 |
| Net interest margin | 2.9922% | 6,575 |
| Noninterest income to average assets | 0.4481% | 4,865 |
| Noninterest expense to average assets | 2.5629% | 5,892 |
| Loan and lease loss provision to assets | 1.7748% | 937 |
| Net operating income to assets | -1.1098% | 7,058 |
| Return on assets (ROA) | -0.8978% | 6,908 |
| Pretax return on assets | -0.8970% | 6,744 |
| Return on Equity (ROE) | -10.8668% | 7,103 |
| Retained earnings to average equity (ytd only) | -16.2034% | 7,312 |
| Net charge-offs to loans | 0.5756% | 2,600 |
| Credit loss provision to net charge-offs | 358.3199% | 1,296 |
| Earnings coverage of net charge-offs (x) | 1.3441% | 4,519 |
| Efficiency ratio | 79.3804% | 3,138 |
| Assets per employee ($millions) | 3.4988% | 4,819 |
| Cash dividends to net income (ytd only)* | -49.1087% | 8,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7076% | 2,319 |
| Loan loss allowance to noncurrent loans | 47.0357% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 4.3444% | 1,326 |
| Noncurrent loans to loans | 3.6305% | 1,917 |
| Net loans and leases to total assets | 82.5468% | 857 |
| Net loans and leases to deposits | 100.9218% | 1,180 |
| Net loans and leases to core deposits | 136.2391% | 1,197 |
| Total domestic deposits to total assets | 81.7928% | 4,774 |
| Equity capital to assets | 7.9422% | 6,816 |
| Core capital (leverage) ratio | 8.0310% | 6,270 |
| Tier 1 risk-based capital ratio | 10.0003% | 6,926 |
| Total risk-based capital ratio | 11.2568% | 6,848 |
| Memoranda: | ||
| Average total assets | $249,947,000 | 2,636 |
| Average earning assets | $232,269,000 | 2,601 |
| Average equity | $20,650,000 | 3,154 |
| Average total loans | $215,096,670 | 2,197 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1242% | 1,850 |
| Cost of funding earning assets | 3.0429% | 540 |
| Net interest margin | 3.0813% | 6,251 |
| Noninterest income to average assets | 0.6844% | 2,976 |
| Noninterest expense to average assets | 2.5356% | 5,710 |
| Loan and lease loss provision to assets | 0.6567% | 1,926 |
| Net operating income to assets | 0.3504% | 5,068 |
| Return on assets (ROA) | 0.3504% | 5,251 |
| Pretax return on assets | 0.3699% | 5,482 |
| Return on Equity (ROE) | 4.1559% | 4,866 |
| Retained earnings to average equity (ytd only) | -4.7358% | 6,519 |
| Net charge-offs to loans | 0.1010% | 4,169 |
| Credit loss provision to net charge-offs | 746.2963% | 816 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,861 |
| Efficiency ratio | 71.1802% | 4,328 |
| Assets per employee ($millions) | 3.6463% | 4,457 |
| Cash dividends to net income (ytd only)* | 213.9535% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 5,112 |
| Loan loss allowance to noncurrent loans | 42.0981% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 3.7095% | 1,426 |
| Noncurrent loans to loans | 2.7347% | 2,395 |
| Net loans and leases to total assets | 84.0889% | 676 |
| Net loans and leases to deposits | 103.4532% | 1,051 |
| Net loans and leases to core deposits | 138.4386% | 1,178 |
| Total domestic deposits to total assets | 81.2820% | 4,843 |
| Equity capital to assets | 8.1833% | 6,556 |
| Core capital (leverage) ratio | 8.3202% | 5,867 |
| Tier 1 risk-based capital ratio | 9.7614% | 7,185 |
| Total risk-based capital ratio | 10.9439% | 7,173 |
| Memoranda: | ||
| Average total assets | $245,466,000 | 2,701 |
| Average earning assets | $229,255,500 | 2,657 |
| Average equity | $20,693,500 | 3,149 |
| Average total loans | $213,928,000 | 2,231 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4882% | 3,019 |
| Cost of funding earning assets | 3.5474% | 456 |
| Net interest margin | 2.9407% | 7,053 |
| Noninterest income to average assets | 0.8440% | 2,272 |
| Noninterest expense to average assets | 2.1472% | 7,122 |
| Loan and lease loss provision to assets | 0.5985% | 2,434 |
| Net operating income to assets | 0.8034% | 3,422 |
| Return on assets (ROA) | 0.8349% | 3,128 |
| Pretax return on assets | 0.8943% | 3,742 |
| Return on Equity (ROE) | 9.8217% | 2,324 |
| Retained earnings to average equity (ytd only) | -0.7143% | 5,518 |
| Net charge-offs to loans | 0.4024% | 2,800 |
| Credit loss provision to net charge-offs | 168.9106% | 3,044 |
| Earnings coverage of net charge-offs (x) | 4.1175% | 4,101 |
| Efficiency ratio | 59.5430% | 6,429 |
| Assets per employee ($millions) | 3.5196% | 4,615 |
| Cash dividends to net income (ytd only)* | 107.2727% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 6,153 |
| Loan loss allowance to noncurrent loans | 31.0928% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 3.8256% | 1,110 |
| Noncurrent loans to loans | 3.1797% | 1,657 |
| Net loans and leases to total assets | 88.4588% | 327 |
| Net loans and leases to deposits | 112.0424% | 704 |
| Net loans and leases to core deposits | 151.4620% | 802 |
| Total domestic deposits to total assets | 78.9512% | 5,393 |
| Equity capital to assets | 8.6899% | 5,820 |
| Core capital (leverage) ratio | 8.7140% | 5,171 |
| Tier 1 risk-based capital ratio | 9.9838% | 6,750 |
| Total risk-based capital ratio | 11.0092% | 6,905 |
| Memoranda: | ||
| Average total assets | $230,578,200 | 2,759 |
| Average earning assets | $216,579,200 | 2,696 |
| Average equity | $19,599,400 | 3,290 |
| Average total loans | $203,052,400 | 2,269 |