Home > The First Bank of Greenwich > Performance and Condition Ratios
The First Bank of Greenwich, 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 | 4.8070% | 2,457 |
| Cost of funding earning assets | 2.1342% | 725 |
| Net interest margin | 2.6728% | 3,858 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.8383% | 3,938 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.5543% | 3,554 |
| Return on assets (ROA) | 0.5543% | 3,545 |
| Pretax return on assets | 0.6806% | 3,473 |
| Return on Equity (ROE) | 6.5500% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.5535% | 2,043 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.1033% | 2,096 |
| Assets per employee ($millions) | 13.2055% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 2,849 |
| 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 | 85.5100% | 181 |
| Net loans and leases to deposits | 101.5276% | 458 |
| Net loans and leases to core deposits | 174.8657% | 114 |
| Total domestic deposits to total assets | 84.2300% | 2,552 |
| Equity capital to assets | 8.7223% | 2,889 |
| Core capital (leverage) ratio | 8.8134% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5283% | 2,400 |
| Memoranda: | ||
| Average total assets | $705,722,400 | 1,302 |
| Average earning assets | $675,654,200 | 1,270 |
| Average equity | $59,693,400 | 1,399 |
| Average total loans | $595,514,200 | 1,095 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 2,435 |
| Cost of funding earning assets | 1.9686% | 746 |
| Net interest margin | 2.7494% | 3,811 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.8730% | 3,847 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.5706% | 3,623 |
| Return on assets (ROA) | 0.5706% | 3,606 |
| Pretax return on assets | 0.7025% | 3,546 |
| Return on Equity (ROE) | 6.8000% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.8020% | 2,359 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.6357% | 2,054 |
| Assets per employee ($millions) | 13.5217% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 2,991 |
| 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 | 85.1800% | 200 |
| Net loans and leases to deposits | 103.7847% | 358 |
| Net loans and leases to core deposits | 158.0348% | 115 |
| Total domestic deposits to total assets | 82.0800% | 3,192 |
| Equity capital to assets | 8.6685% | 2,615 |
| Core capital (leverage) ratio | 8.8553% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5584% | 2,430 |
| Memoranda: | ||
| Average total assets | $697,275,750 | 1,311 |
| Average earning assets | $667,856,750 | 1,275 |
| Average equity | $58,491,250 | 1,407 |
| Average total loans | $584,543,250 | 1,105 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 2,384 |
| Cost of funding earning assets | 1.8147% | 718 |
| Net interest margin | 2.8011% | 3,819 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.9318% | 3,750 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.5709% | 3,655 |
| Return on assets (ROA) | 0.5709% | 3,659 |
| Pretax return on assets | 0.7043% | 3,597 |
| Return on Equity (ROE) | 6.8900% | 3,501 |
| Retained earnings to average equity (ytd only) | 6.8870% | 2,322 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.5806% | 1,910 |
| Assets per employee ($millions) | 12.3828% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 3,028 |
| 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 | 81.4300% | 479 |
| Net loans and leases to deposits | 94.0545% | 857 |
| Net loans and leases to core deposits | 150.7045% | 143 |
| Total domestic deposits to total assets | 86.5800% | 2,068 |
| Equity capital to assets | 8.1299% | 3,133 |
| Core capital (leverage) ratio | 8.1434% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3000% | 2,535 |
| Memoranda: | ||
| Average total assets | $686,310,667 | 1,320 |
| Average earning assets | $657,303,333 | 1,285 |
| Average equity | $56,890,000 | 1,440 |
| Average total loans | $569,809,333 | 1,111 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 2,690 |
| Cost of funding earning assets | 1.4929% | 860 |
| Net interest margin | 2.8529% | 3,861 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.0293% | 3,560 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.5579% | 3,779 |
| Return on assets (ROA) | 0.5579% | 3,743 |
| Pretax return on assets | 0.6928% | 3,678 |
| Return on Equity (ROE) | 6.6600% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.6619% | 2,600 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9133% | 1,653 |
| Assets per employee ($millions) | 13.2414% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,162 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 79.6400% | 576 |
| Net loans and leases to deposits | 92.1564% | 907 |
| Net loans and leases to core deposits | 160.1118% | 89 |
| Total domestic deposits to total assets | 86.4200% | 2,468 |
| Equity capital to assets | 8.1759% | 3,125 |
| Core capital (leverage) ratio | 8.6905% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8686% | 2,020 |
| Memoranda: | ||
| Average total assets | $670,365,500 | 1,362 |
| Average earning assets | $641,169,500 | 1,323 |
| Average equity | $56,140,500 | 1,465 |
| Average total loans | $559,091,500 | 1,137 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 1,947 |
| Cost of funding earning assets | 0.4432% | 1,772 |
| Net interest margin | 3.4739% | 2,014 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.0141% | 3,546 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.1679% | 1,900 |
| Return on assets (ROA) | 1.1683% | 1,834 |
| Pretax return on assets | 1.4893% | 1,488 |
| Return on Equity (ROE) | 13.7400% | 1,592 |
| Retained earnings to average equity (ytd only) | 13.7374% | 418 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.0492% | 3,335 |
| Assets per employee ($millions) | 11.6171% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,354 |
| 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 | 85.7100% | 175 |
| Net loans and leases to deposits | 104.1155% | 295 |
| Net loans and leases to core deposits | 141.9255% | 133 |
| Total domestic deposits to total assets | 82.3200% | 3,564 |
| Equity capital to assets | 8.5929% | 2,637 |
| Core capital (leverage) ratio | 9.0686% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6677% | 2,496 |
| Memoranda: | ||
| Average total assets | $601,908,400 | 1,475 |
| Average earning assets | $574,688,600 | 1,438 |
| Average equity | $51,188,600 | 1,589 |
| Average total loans | $502,731,400 | 1,176 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 1,718 |
| Cost of funding earning assets | 0.3588% | 1,630 |
| Net interest margin | 3.4542% | 1,795 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.0538% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0991% | 2,103 |
| Return on assets (ROA) | 1.0997% | 2,066 |
| Pretax return on assets | 1.4016% | 1,716 |
| Return on Equity (ROE) | 12.9700% | 1,706 |
| Retained earnings to average equity (ytd only) | 12.9669% | 621 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.4491% | 3,191 |
| Assets per employee ($millions) | 10.9580% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,025 |
| Loan loss allowance to noncurrent loans | 941.5712% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 2,939 |
| Noncurrent loans to loans | 0.1165% | 3,062 |
| Net loans and leases to total assets | 86.0300% | 119 |
| Net loans and leases to deposits | 106.6268% | 180 |
| Net loans and leases to core deposits | 129.1459% | 157 |
| Total domestic deposits to total assets | 80.6900% | 4,030 |
| Equity capital to assets | 8.7267% | 2,392 |
| Core capital (leverage) ratio | 8.7324% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6767% | 2,583 |
| Memoranda: | ||
| Average total assets | $592,651,000 | 1,506 |
| Average earning assets | $565,949,250 | 1,468 |
| Average equity | $50,260,000 | 1,643 |
| Average total loans | $490,118,250 | 1,191 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6961% | 1,548 |
| Cost of funding earning assets | 0.3460% | 1,307 |
| Net interest margin | 3.3501% | 1,756 |
| Noninterest income to average assets | 0.1602% | 4,215 |
| Noninterest expense to average assets | 2.0377% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0401% | 2,021 |
| Return on assets (ROA) | 1.0409% | 1,988 |
| Pretax return on assets | 1.3273% | 1,651 |
| Return on Equity (ROE) | 12.3965% | 1,550 |
| Retained earnings to average equity (ytd only) | 12.3965% | 548 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5730% | 3,230 |
| Assets per employee ($millions) | 10.8926% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 2,985 |
| Loan loss allowance to noncurrent loans | 926.4090% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 2,984 |
| Noncurrent loans to loans | 0.1231% | 3,109 |
| Net loans and leases to total assets | 83.2726% | 220 |
| Net loans and leases to deposits | 103.9946% | 168 |
| Net loans and leases to core deposits | 122.1795% | 178 |
| Total domestic deposits to total assets | 80.0739% | 4,220 |
| Equity capital to assets | 8.4918% | 2,769 |
| Core capital (leverage) ratio | 8.4766% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8474% | 1,751 |
| Memoranda: | ||
| Average total assets | $589,305,333 | 1,524 |
| Average earning assets | $563,563,667 | 1,486 |
| Average equity | $49,481,667 | 1,696 |
| Average total loans | $478,737,333 | 1,210 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6048% | 1,494 |
| Cost of funding earning assets | 0.3513% | 1,191 |
| Net interest margin | 3.2534% | 1,709 |
| Noninterest income to average assets | 0.1492% | 4,260 |
| Noninterest expense to average assets | 2.0787% | 3,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9295% | 2,155 |
| Return on assets (ROA) | 0.9295% | 2,148 |
| Pretax return on assets | 1.1827% | 1,869 |
| Return on Equity (ROE) | 11.1345% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.1345% | 759 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7356% | 3,062 |
| Assets per employee ($millions) | 11.5625% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,724 |
| Loan loss allowance to noncurrent loans | 661.2644% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 2,743 |
| Noncurrent loans to loans | 0.1855% | 2,889 |
| Net loans and leases to total assets | 80.1095% | 234 |
| Net loans and leases to deposits | 100.7939% | 158 |
| Net loans and leases to core deposits | 120.0978% | 148 |
| Total domestic deposits to total assets | 79.4785% | 4,315 |
| Equity capital to assets | 8.5348% | 3,129 |
| Core capital (leverage) ratio | 8.3811% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2421% | 2,508 |
| Memoranda: | ||
| Average total assets | $584,410,500 | 1,546 |
| Average earning assets | $559,038,500 | 1,505 |
| Average equity | $48,785,500 | 1,768 |
| Average total loans | $465,788,500 | 1,228 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 812 |
| Cost of funding earning assets | 0.5233% | 826 |
| Net interest margin | 3.8046% | 1,001 |
| Noninterest income to average assets | 0.1380% | 4,462 |
| Noninterest expense to average assets | 1.9829% | 3,732 |
| Loan and lease loss provision to assets | 0.1213% | 1,016 |
| Net operating income to assets | 1.2045% | 1,907 |
| Return on assets (ROA) | 1.2045% | 1,956 |
| Pretax return on assets | 1.6859% | 1,184 |
| Return on Equity (ROE) | 14.6517% | 1,033 |
| Retained earnings to average equity (ytd only) | 14.2816% | 285 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3174% | 4,087 |
| Assets per employee ($millions) | 11.8139% | 420 |
| Cash dividends to net income (ytd only)* | 2.5263% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,656 |
| Loan loss allowance to noncurrent loans | 658.9920% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 2,909 |
| Noncurrent loans to loans | 0.1887% | 3,003 |
| Net loans and leases to total assets | 77.3559% | 419 |
| Net loans and leases to deposits | 96.6727% | 290 |
| Net loans and leases to core deposits | 115.7546% | 204 |
| Total domestic deposits to total assets | 80.0183% | 4,219 |
| Equity capital to assets | 8.1648% | 4,263 |
| Core capital (leverage) ratio | 8.1593% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2844% | 2,536 |
| Memoranda: | ||
| Average total assets | $535,669,200 | 1,608 |
| Average earning assets | $514,225,400 | 1,562 |
| Average equity | $44,035,800 | 1,950 |
| Average total loans | $442,921,400 | 1,279 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 1,297 |
| Cost of funding earning assets | 0.5636% | 773 |
| Net interest margin | 3.5422% | 1,754 |
| Noninterest income to average assets | 0.1423% | 4,488 |
| Noninterest expense to average assets | 2.0486% | 3,529 |
| Loan and lease loss provision to assets | 0.0383% | 2,224 |
| Net operating income to assets | 1.0791% | 2,630 |
| Return on assets (ROA) | 1.0791% | 2,693 |
| Pretax return on assets | 1.4577% | 2,123 |
| Return on Equity (ROE) | 13.1012% | 1,669 |
| Retained earnings to average equity (ytd only) | 12.5956% | 701 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7946% | 3,299 |
| Assets per employee ($millions) | 11.2872% | 445 |
| Cash dividends to net income (ytd only)* | 3.8589% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 3,212 |
| Loan loss allowance to noncurrent loans | 325.8685% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 2,347 |
| Noncurrent loans to loans | 0.3526% | 2,511 |
| Net loans and leases to total assets | 80.0852% | 287 |
| Net loans and leases to deposits | 100.6763% | 212 |
| Net loans and leases to core deposits | 123.1602% | 155 |
| Total domestic deposits to total assets | 79.5472% | 4,291 |
| Equity capital to assets | 8.1482% | 4,439 |
| Core capital (leverage) ratio | 8.2043% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9437% | 2,722 |
| Memoranda: | ||
| Average total assets | $521,912,500 | 1,656 |
| Average earning assets | $501,297,750 | 1,608 |
| Average equity | $42,987,500 | 2,008 |
| Average total loans | $437,979,000 | 1,310 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0006% | 1,561 |
| Cost of funding earning assets | 0.6031% | 736 |
| Net interest margin | 3.3975% | 2,149 |
| Noninterest income to average assets | 0.1197% | 4,598 |
| Noninterest expense to average assets | 2.0557% | 3,535 |
| Loan and lease loss provision to assets | 0.0591% | 1,846 |
| Net operating income to assets | 0.9445% | 3,074 |
| Return on assets (ROA) | 0.9445% | 3,162 |
| Pretax return on assets | 1.2758% | 2,691 |
| Return on Equity (ROE) | 11.4222% | 2,260 |
| Retained earnings to average equity (ytd only) | 10.6458% | 1,206 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6296% | 2,924 |
| Assets per employee ($millions) | 10.8005% | 488 |
| Cash dividends to net income (ytd only)* | 6.7973% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,121 |
| Loan loss allowance to noncurrent loans | 321.8750% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 2,405 |
| Noncurrent loans to loans | 0.3615% | 2,605 |
| Net loans and leases to total assets | 82.6175% | 191 |
| Net loans and leases to deposits | 104.3054% | 179 |
| Net loans and leases to core deposits | 130.3070% | 124 |
| Total domestic deposits to total assets | 79.2073% | 4,321 |
| Equity capital to assets | 7.9965% | 4,538 |
| Core capital (leverage) ratio | 8.0128% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5363% | 2,851 |
| Memoranda: | ||
| Average total assets | $507,764,000 | 1,685 |
| Average earning assets | $488,831,667 | 1,641 |
| Average equity | $41,988,333 | 2,033 |
| Average total loans | $431,565,333 | 1,326 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9230% | 1,776 |
| Cost of funding earning assets | 0.6540% | 674 |
| Net interest margin | 3.2690% | 2,484 |
| Noninterest income to average assets | 0.1017% | 4,677 |
| Noninterest expense to average assets | 2.0584% | 3,536 |
| Loan and lease loss provision to assets | 0.1220% | 1,124 |
| Net operating income to assets | 0.8071% | 3,401 |
| Return on assets (ROA) | 0.8071% | 3,473 |
| Pretax return on assets | 1.0894% | 3,135 |
| Return on Equity (ROE) | 9.5866% | 2,825 |
| Retained earnings to average equity (ytd only) | 9.5866% | 1,770 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9510% | 2,613 |
| Assets per employee ($millions) | 10.9527% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,931 |
| Loan loss allowance to noncurrent loans | 316.4458% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 2,564 |
| Noncurrent loans to loans | 0.3793% | 2,737 |
| Net loans and leases to total assets | 82.2550% | 217 |
| Net loans and leases to deposits | 104.3760% | 198 |
| Net loans and leases to core deposits | 136.0517% | 106 |
| Total domestic deposits to total assets | 78.8064% | 4,353 |
| Equity capital to assets | 7.9626% | 4,515 |
| Core capital (leverage) ratio | 8.1899% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6409% | 2,429 |
| Memoranda: | ||
| Average total assets | $491,632,500 | 1,724 |
| Average earning assets | $476,471,000 | 1,658 |
| Average equity | $41,391,000 | 2,042 |
| Average total loans | $421,643,000 | 1,354 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2036% | 2,124 |
| Cost of funding earning assets | 1.0003% | 595 |
| Net interest margin | 3.2033% | 3,352 |
| Noninterest income to average assets | 0.2971% | 3,706 |
| Noninterest expense to average assets | 2.1860% | 3,704 |
| Loan and lease loss provision to assets | 0.3985% | 794 |
| Net operating income to assets | 0.6144% | 3,696 |
| Return on assets (ROA) | 0.6095% | 3,840 |
| Pretax return on assets | 0.8096% | 3,610 |
| Return on Equity (ROE) | 7.0249% | 3,199 |
| Retained earnings to average equity (ytd only) | 6.2440% | 1,683 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2880% | 2,772 |
| Assets per employee ($millions) | 9.3374% | 668 |
| Cash dividends to net income (ytd only)* | 11.1151% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,627 |
| Loan loss allowance to noncurrent loans | 302.3104% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 2,504 |
| Noncurrent loans to loans | 0.4162% | 2,734 |
| Net loans and leases to total assets | 87.5323% | 53 |
| Net loans and leases to deposits | 113.6993% | 120 |
| Net loans and leases to core deposits | 133.4338% | 174 |
| Total domestic deposits to total assets | 76.9858% | 4,413 |
| Equity capital to assets | 8.9436% | 4,108 |
| Core capital (leverage) ratio | 8.5344% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7613% | 2,325 |
| Memoranda: | ||
| Average total assets | $451,682,600 | 1,695 |
| Average earning assets | $437,576,000 | 1,634 |
| Average equity | $39,189,400 | 2,044 |
| Average total loans | $391,307,000 | 1,393 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0405% | 2,861 |
| Cost of funding earning assets | 1.0683% | 599 |
| Net interest margin | 2.9721% | 4,042 |
| Noninterest income to average assets | 0.3545% | 3,331 |
| Noninterest expense to average assets | 2.1897% | 3,702 |
| Loan and lease loss provision to assets | 0.4842% | 629 |
| Net operating income to assets | 0.4264% | 4,211 |
| Return on assets (ROA) | 0.4264% | 4,278 |
| Pretax return on assets | 0.5576% | 4,179 |
| Return on Equity (ROE) | 4.9539% | 3,908 |
| Retained earnings to average equity (ytd only) | 4.4585% | 2,823 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7603% | 2,223 |
| Assets per employee ($millions) | 10.5192% | 431 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,846 |
| Loan loss allowance to noncurrent loans | 287.7622% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 2,252 |
| Noncurrent loans to loans | 0.4060% | 2,840 |
| Net loans and leases to total assets | 86.3287% | 138 |
| Net loans and leases to deposits | 117.0020% | 137 |
| Net loans and leases to core deposits | 150.3549% | 113 |
| Total domestic deposits to total assets | 73.7840% | 4,582 |
| Equity capital to assets | 8.2121% | 4,630 |
| Core capital (leverage) ratio | 8.3861% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4298% | 2,447 |
| Memoranda: | ||
| Average total assets | $450,219,500 | 1,675 |
| Average earning assets | $435,813,500 | 1,622 |
| Average equity | $38,756,750 | 2,055 |
| Average total loans | $387,735,250 | 1,393 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,256 |
| Cost of funding earning assets | 1.1737% | 555 |
| Net interest margin | 2.8541% | 4,378 |
| Noninterest income to average assets | 0.4834% | 2,635 |
| Noninterest expense to average assets | 2.2342% | 3,695 |
| Loan and lease loss provision to assets | 0.6697% | 429 |
| Net operating income to assets | 0.2665% | 4,471 |
| Return on assets (ROA) | 0.2665% | 4,513 |
| Pretax return on assets | 0.3380% | 4,487 |
| Return on Equity (ROE) | 3.0445% | 4,345 |
| Retained earnings to average equity (ytd only) | 2.2951% | 3,639 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9151% | 2,100 |
| Assets per employee ($millions) | 10.7239% | 413 |
| Cash dividends to net income (ytd only)* | 24.6154% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 2,900 |
| Loan loss allowance to noncurrent loans | 273.3677% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 2,366 |
| Noncurrent loans to loans | 0.4116% | 2,933 |
| Net loans and leases to total assets | 83.2173% | 315 |
| Net loans and leases to deposits | 117.3757% | 114 |
| Net loans and leases to core deposits | 155.8803% | 89 |
| Total domestic deposits to total assets | 70.8982% | 4,755 |
| Equity capital to assets | 7.7139% | 4,826 |
| Core capital (leverage) ratio | 8.4203% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6681% | 2,747 |
| Memoranda: | ||
| Average total assets | $438,998,000 | 1,688 |
| Average earning assets | $424,309,000 | 1,635 |
| Average equity | $38,430,000 | 2,059 |
| Average total loans | $376,090,667 | 1,411 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 2,916 |
| Cost of funding earning assets | 1.3882% | 419 |
| Net interest margin | 2.9135% | 4,416 |
| Noninterest income to average assets | 0.2234% | 4,217 |
| Noninterest expense to average assets | 2.2918% | 3,788 |
| Loan and lease loss provision to assets | 0.5511% | 519 |
| Net operating income to assets | 0.1506% | 4,601 |
| Return on assets (ROA) | 0.1506% | 4,605 |
| Pretax return on assets | 0.1830% | 4,586 |
| Return on Equity (ROE) | 1.6019% | 4,524 |
| Retained earnings to average equity (ytd only) | 0.0942% | 3,969 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7398% | 1,591 |
| Assets per employee ($millions) | 9.2993% | 478 |
| Cash dividends to net income (ytd only)* | 94.1176% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,353 |
| Loan loss allowance to noncurrent loans | 217.8793% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 1,021 |
| Noncurrent loans to loans | 0.4911% | 2,789 |
| Net loans and leases to total assets | 83.4986% | 302 |
| Net loans and leases to deposits | 111.0789% | 172 |
| Net loans and leases to core deposits | 156.7385% | 91 |
| Total domestic deposits to total assets | 75.1705% | 4,570 |
| Equity capital to assets | 8.9326% | 4,638 |
| Core capital (leverage) ratio | 9.3621% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0504% | 2,669 |
| Memoranda: | ||
| Average total assets | $406,485,000 | 1,745 |
| Average earning assets | $391,014,000 | 1,699 |
| Average equity | $38,205,000 | 2,059 |
| Average total loans | $352,032,000 | 1,444 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 3,265 |
| Cost of funding earning assets | 1.5396% | 353 |
| Net interest margin | 2.8580% | 4,702 |
| Noninterest income to average assets | 0.2090% | 4,413 |
| Noninterest expense to average assets | 2.3893% | 3,711 |
| Loan and lease loss provision to assets | 0.0371% | 3,268 |
| Net operating income to assets | 0.4138% | 4,573 |
| Return on assets (ROA) | 0.4143% | 4,607 |
| Pretax return on assets | 0.5469% | 4,499 |
| Return on Equity (ROE) | 4.1754% | 4,423 |
| Retained earnings to average equity (ytd only) | 3.4055% | 3,309 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3729% | 914 |
| Assets per employee ($millions) | 8.0250% | 707 |
| Cash dividends to net income (ytd only)* | 18.4379% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 3,684 |
| Loan loss allowance to noncurrent loans | 183.3981% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3518% | 793 |
| Noncurrent loans to loans | 0.5250% | 2,609 |
| Net loans and leases to total assets | 88.1921% | 80 |
| Net loans and leases to deposits | 110.0017% | 189 |
| Net loans and leases to core deposits | 138.9898% | 181 |
| Total domestic deposits to total assets | 80.1734% | 3,942 |
| Equity capital to assets | 9.9167% | 3,993 |
| Core capital (leverage) ratio | 9.5833% | 3,982 |
| Tier 1 risk-based capital ratio | 12.3342% | 4,171 |
| Total risk-based capital ratio | 13.4311% | 4,147 |
| Memoranda: | ||
| Average total assets | $377,062,000 | 1,815 |
| Average earning assets | $364,628,800 | 1,764 |
| Average equity | $37,409,800 | 2,035 |
| Average total loans | $320,909,600 | 1,524 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 3,367 |
| Cost of funding earning assets | 1.5220% | 384 |
| Net interest margin | 2.8746% | 4,786 |
| Noninterest income to average assets | 0.2069% | 4,482 |
| Noninterest expense to average assets | 2.3973% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4465% | 4,627 |
| Return on assets (ROA) | 0.4465% | 4,663 |
| Pretax return on assets | 0.5923% | 4,557 |
| Return on Equity (ROE) | 4.5002% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.5002% | 3,142 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1879% | 912 |
| Assets per employee ($millions) | 8.3328% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 3,662 |
| Loan loss allowance to noncurrent loans | 172.8415% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3545% | 877 |
| Noncurrent loans to loans | 0.5693% | 2,590 |
| Net loans and leases to total assets | 81.2717% | 669 |
| Net loans and leases to deposits | 100.0547% | 633 |
| Net loans and leases to core deposits | 141.5922% | 170 |
| Total domestic deposits to total assets | 81.2273% | 3,686 |
| Equity capital to assets | 9.6836% | 4,307 |
| Core capital (leverage) ratio | 9.3807% | 4,296 |
| Tier 1 risk-based capital ratio | 13.5288% | 3,558 |
| Total risk-based capital ratio | 14.6986% | 3,505 |
| Memoranda: | ||
| Average total assets | $375,027,500 | 1,840 |
| Average earning assets | $363,031,250 | 1,787 |
| Average equity | $37,212,500 | 2,052 |
| Average total loans | $315,382,250 | 1,552 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 3,392 |
| Cost of funding earning assets | 1.4545% | 443 |
| Net interest margin | 2.9230% | 4,800 |
| Noninterest income to average assets | 0.2062% | 4,512 |
| Noninterest expense to average assets | 2.4623% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4146% | 4,710 |
| Return on assets (ROA) | 0.4146% | 4,730 |
| Pretax return on assets | 0.5711% | 4,592 |
| Return on Equity (ROE) | 4.1433% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.1433% | 3,173 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1742% | 868 |
| Assets per employee ($millions) | 8.8428% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,633 |
| Loan loss allowance to noncurrent loans | 151.8483% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.4285% | 808 |
| Noncurrent loans to loans | 0.6579% | 2,310 |
| Net loans and leases to total assets | 80.5631% | 799 |
| Net loans and leases to deposits | 99.9853% | 681 |
| Net loans and leases to core deposits | 147.0260% | 144 |
| Total domestic deposits to total assets | 80.5749% | 3,921 |
| Equity capital to assets | 9.6316% | 4,290 |
| Core capital (leverage) ratio | 9.8534% | 3,755 |
| Tier 1 risk-based capital ratio | 13.3731% | 3,644 |
| Total risk-based capital ratio | 14.5378% | 3,596 |
| Memoranda: | ||
| Average total assets | $369,489,000 | 1,873 |
| Average earning assets | $357,371,330 | 1,813 |
| Average equity | $36,975,000 | 2,061 |
| Average total loans | $313,357,000 | 1,567 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 3,427 |
| Cost of funding earning assets | 1.3232% | 611 |
| Net interest margin | 3.0192% | 4,720 |
| Noninterest income to average assets | 0.1835% | 4,653 |
| Noninterest expense to average assets | 2.5110% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4281% | 4,671 |
| Return on assets (ROA) | 0.4281% | 4,683 |
| Pretax return on assets | 0.5905% | 4,535 |
| Return on Equity (ROE) | 4.1933% | 4,532 |
| Retained earnings to average equity (ytd only) | 2.6358% | 3,879 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9609% | 972 |
| Assets per employee ($millions) | 7.8074% | 722 |
| Cash dividends to net income (ytd only)* | 37.1429% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,638 |
| Loan loss allowance to noncurrent loans | 152.7282% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.3925% | 904 |
| Noncurrent loans to loans | 0.6600% | 2,364 |
| Net loans and leases to total assets | 86.4869% | 163 |
| Net loans and leases to deposits | 110.2682% | 210 |
| Net loans and leases to core deposits | 177.7682% | 56 |
| Total domestic deposits to total assets | 78.4332% | 4,446 |
| Equity capital to assets | 10.2801% | 3,542 |
| Core capital (leverage) ratio | 10.1160% | 3,472 |
| Tier 1 risk-based capital ratio | 13.1222% | 3,816 |
| Total risk-based capital ratio | 14.2849% | 3,767 |
| Memoranda: | ||
| Average total assets | $359,691,500 | 1,919 |
| Average earning assets | $347,640,500 | 1,860 |
| Average equity | $36,725,000 | 2,068 |
| Average total loans | $311,725,000 | 1,582 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 2,806 |
| Cost of funding earning assets | 0.9756% | 829 |
| Net interest margin | 3.4116% | 3,972 |
| Noninterest income to average assets | 0.2370% | 4,502 |
| Noninterest expense to average assets | 2.2404% | 4,242 |
| Loan and lease loss provision to assets | 0.0565% | 3,040 |
| Net operating income to assets | 0.9066% | 3,418 |
| Return on assets (ROA) | 0.8599% | 3,573 |
| Pretax return on assets | 1.1870% | 2,922 |
| Return on Equity (ROE) | 9.3193% | 2,827 |
| Retained earnings to average equity (ytd only) | 9.3193% | 779 |
| Net charge-offs to loans | -0.0110% | 4,521 |
| Credit loss provision to net charge-offs | -573.5294% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2349% | 3,296 |
| Assets per employee ($millions) | 7.8314% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 3,549 |
| Loan loss allowance to noncurrent loans | 123.8449% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 768 |
| Noncurrent loans to loans | 0.8247% | 1,950 |
| Net loans and leases to total assets | 85.0856% | 306 |
| Net loans and leases to deposits | 111.8398% | 213 |
| Net loans and leases to core deposits | 168.8090% | 70 |
| Total domestic deposits to total assets | 76.0781% | 4,748 |
| Equity capital to assets | 10.1404% | 3,534 |
| Core capital (leverage) ratio | 10.3978% | 3,144 |
| Tier 1 risk-based capital ratio | 13.0528% | 3,820 |
| Total risk-based capital ratio | 14.2190% | 3,750 |
| Memoranda: | ||
| Average total assets | $345,154,800 | 1,931 |
| Average earning assets | $334,473,400 | 1,872 |
| Average equity | $31,848,000 | 2,227 |
| Average total loans | $308,841,000 | 1,562 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 2,650 |
| Cost of funding earning assets | 0.9245% | 820 |
| Net interest margin | 3.4681% | 3,808 |
| Noninterest income to average assets | 0.1972% | 4,795 |
| Noninterest expense to average assets | 2.1399% | 4,453 |
| Loan and lease loss provision to assets | 0.1211% | 1,670 |
| Net operating income to assets | 0.9456% | 3,320 |
| Return on assets (ROA) | 0.8827% | 3,615 |
| Pretax return on assets | 1.2205% | 2,912 |
| Return on Equity (ROE) | 9.8224% | 2,701 |
| Retained earnings to average equity (ytd only) | 9.8224% | 978 |
| Net charge-offs to loans | -0.0147% | 4,508 |
| Credit loss provision to net charge-offs | -911.7647% | 4,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0899% | 3,805 |
| Assets per employee ($millions) | 8.5004% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,365 |
| Loan loss allowance to noncurrent loans | 147.2597% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.5232% | 838 |
| Noncurrent loans to loans | 0.7254% | 2,265 |
| Net loans and leases to total assets | 89.2864% | 100 |
| Net loans and leases to deposits | 119.2908% | 107 |
| Net loans and leases to core deposits | 163.1147% | 78 |
| Total domestic deposits to total assets | 74.8477% | 4,901 |
| Equity capital to assets | 9.2925% | 4,285 |
| Core capital (leverage) ratio | 8.8904% | 4,812 |
| Tier 1 risk-based capital ratio | 11.3742% | 4,859 |
| Total risk-based capital ratio | 12.5907% | 4,771 |
| Memoranda: | ||
| Average total assets | $341,382,750 | 1,956 |
| Average earning assets | $331,127,500 | 1,894 |
| Average equity | $30,677,500 | 2,305 |
| Average total loans | $308,631,750 | 1,562 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 2,688 |
| Cost of funding earning assets | 0.9081% | 715 |
| Net interest margin | 3.4164% | 3,904 |
| Noninterest income to average assets | 0.1275% | 5,169 |
| Noninterest expense to average assets | 2.0156% | 4,769 |
| Loan and lease loss provision to assets | 0.1433% | 1,348 |
| Net operating income to assets | 0.9320% | 3,314 |
| Return on assets (ROA) | 0.9320% | 3,317 |
| Pretax return on assets | 1.2836% | 2,580 |
| Return on Equity (ROE) | 10.4902% | 2,334 |
| Retained earnings to average equity (ytd only) | 10.4902% | 794 |
| Net charge-offs to loans | -0.0220% | 4,603 |
| Credit loss provision to net charge-offs | -720.5882% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5486% | 4,147 |
| Assets per employee ($millions) | 9.0188% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 3,754 |
| Loan loss allowance to noncurrent loans | 111.8733% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 960 |
| Noncurrent loans to loans | 0.9048% | 1,912 |
| Net loans and leases to total assets | 89.3269% | 91 |
| Net loans and leases to deposits | 120.3708% | 99 |
| Net loans and leases to core deposits | 162.6755% | 70 |
| Total domestic deposits to total assets | 74.2098% | 5,022 |
| Equity capital to assets | 8.8160% | 4,707 |
| Core capital (leverage) ratio | 8.6537% | 4,996 |
| Tier 1 risk-based capital ratio | 11.1415% | 4,976 |
| Total risk-based capital ratio | 12.3297% | 4,907 |
| Memoranda: | ||
| Average total assets | $341,838,000 | 1,962 |
| Average earning assets | $331,695,670 | 1,899 |
| Average equity | $30,371,330 | 2,330 |
| Average total loans | $309,220,000 | 1,563 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 2,541 |
| Cost of funding earning assets | 0.8974% | 601 |
| Net interest margin | 3.3966% | 3,895 |
| Noninterest income to average assets | 0.1199% | 5,253 |
| Noninterest expense to average assets | 2.0197% | 4,809 |
| Loan and lease loss provision to assets | 0.1781% | 972 |
| Net operating income to assets | 0.8917% | 3,330 |
| Return on assets (ROA) | 0.8917% | 3,341 |
| Pretax return on assets | 1.2253% | 2,660 |
| Return on Equity (ROE) | 9.9958% | 2,432 |
| Retained earnings to average equity (ytd only) | 9.9958% | 1,156 |
| Net charge-offs to loans | -0.0026% | 3,847 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0010% | 4,218 |
| Assets per employee ($millions) | 9.0497% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 4,021 |
| Loan loss allowance to noncurrent loans | 146.1866% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 1,683 |
| Noncurrent loans to loans | 0.6773% | 2,518 |
| Net loans and leases to total assets | 89.7354% | 69 |
| Net loans and leases to deposits | 126.5474% | 57 |
| Net loans and leases to core deposits | 167.4295% | 67 |
| Total domestic deposits to total assets | 70.9105% | 5,334 |
| Equity capital to assets | 8.8028% | 4,739 |
| Core capital (leverage) ratio | 8.7676% | 4,930 |
| Tier 1 risk-based capital ratio | 11.5848% | 4,818 |
| Total risk-based capital ratio | 12.8046% | 4,729 |
| Memoranda: | ||
| Average total assets | $336,890,000 | 1,992 |
| Average earning assets | $327,624,500 | 1,933 |
| Average equity | $30,052,500 | 2,361 |
| Average total loans | $305,127,000 | 1,579 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,419 |
| Cost of funding earning assets | 0.7640% | 768 |
| Net interest margin | 3.5090% | 3,493 |
| Noninterest income to average assets | 0.1309% | 5,290 |
| Noninterest expense to average assets | 2.1556% | 4,633 |
| Loan and lease loss provision to assets | 0.1973% | 1,055 |
| Net operating income to assets | 0.4489% | 4,540 |
| Return on assets (ROA) | 0.4536% | 4,551 |
| Pretax return on assets | 1.1856% | 2,823 |
| Return on Equity (ROE) | 4.7017% | 4,289 |
| Retained earnings to average equity (ytd only) | 4.7017% | 2,321 |
| Net charge-offs to loans | 0.0323% | 3,146 |
| Credit loss provision to net charge-offs | 688.2353% | 478 |
| Earnings coverage of net charge-offs (x) | 47.9765% | 1,119 |
| Efficiency ratio | 61.0469% | 4,108 |
| Assets per employee ($millions) | 8.6813% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 4,036 |
| Loan loss allowance to noncurrent loans | 137.2953% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 1,566 |
| Noncurrent loans to loans | 0.7157% | 2,414 |
| Net loans and leases to total assets | 89.6187% | 88 |
| Net loans and leases to deposits | 120.6741% | 109 |
| Net loans and leases to core deposits | 146.4239% | 151 |
| Total domestic deposits to total assets | 74.2651% | 5,156 |
| Equity capital to assets | 9.0433% | 4,676 |
| Core capital (leverage) ratio | 8.8730% | 4,786 |
| Tier 1 risk-based capital ratio | 11.3470% | 4,950 |
| Total risk-based capital ratio | 12.5378% | 4,865 |
| Memoranda: | ||
| Average total assets | $296,485,600 | 2,185 |
| Average earning assets | $287,293,200 | 2,114 |
| Average equity | $28,606,600 | 2,455 |
| Average total loans | $263,402,400 | 1,745 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 2,297 |
| Cost of funding earning assets | 0.7368% | 814 |
| Net interest margin | 3.5522% | 3,314 |
| Noninterest income to average assets | 0.1305% | 5,355 |
| Noninterest expense to average assets | 2.1068% | 4,721 |
| Loan and lease loss provision to assets | 0.2013% | 943 |
| Net operating income to assets | 0.7604% | 3,692 |
| Return on assets (ROA) | 0.7630% | 3,740 |
| Pretax return on assets | 1.2642% | 2,651 |
| Return on Equity (ROE) | 7.7689% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.7689% | 1,314 |
| Net charge-offs to loans | 0.0445% | 2,550 |
| Credit loss provision to net charge-offs | 511.7647% | 621 |
| Earnings coverage of net charge-offs (x) | 37.1531% | 1,376 |
| Efficiency ratio | 59.0455% | 4,347 |
| Assets per employee ($millions) | 8.7081% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 4,043 |
| Loan loss allowance to noncurrent loans | 128.4133% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 1,610 |
| Noncurrent loans to loans | 0.7802% | 2,419 |
| Net loans and leases to total assets | 87.7544% | 161 |
| Net loans and leases to deposits | 117.3792% | 133 |
| Net loans and leases to core deposits | 143.3117% | 170 |
| Total domestic deposits to total assets | 74.7615% | 5,156 |
| Equity capital to assets | 9.6350% | 4,312 |
| Core capital (leverage) ratio | 9.5076% | 4,157 |
| Tier 1 risk-based capital ratio | 12.8512% | 4,113 |
| Total risk-based capital ratio | 14.1032% | 4,011 |
| Memoranda: | ||
| Average total assets | $288,134,500 | 2,245 |
| Average earning assets | $278,847,500 | 2,175 |
| Average equity | $28,300,000 | 2,491 |
| Average total loans | $254,608,750 | 1,802 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2967% | 2,138 |
| Cost of funding earning assets | 0.7039% | 878 |
| Net interest margin | 3.5928% | 3,069 |
| Noninterest income to average assets | 0.1280% | 5,409 |
| Noninterest expense to average assets | 2.1374% | 4,699 |
| Loan and lease loss provision to assets | 0.2145% | 831 |
| Net operating income to assets | 0.7403% | 3,670 |
| Return on assets (ROA) | 0.7444% | 3,714 |
| Pretax return on assets | 1.2571% | 2,542 |
| Return on Equity (ROE) | 7.5258% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.5258% | 1,341 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3291% | 4,417 |
| Assets per employee ($millions) | 8.1791% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,864 |
| Loan loss allowance to noncurrent loans | 73.6729% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.6414% | 900 |
| Noncurrent loans to loans | 1.4213% | 1,342 |
| Net loans and leases to total assets | 87.7485% | 160 |
| Net loans and leases to deposits | 111.3260% | 237 |
| Net loans and leases to core deposits | 131.3640% | 284 |
| Total domestic deposits to total assets | 78.8212% | 4,656 |
| Equity capital to assets | 10.0830% | 3,814 |
| Core capital (leverage) ratio | 9.7773% | 3,805 |
| Tier 1 risk-based capital ratio | 12.4611% | 4,326 |
| Total risk-based capital ratio | 13.6867% | 4,225 |
| Memoranda: | ||
| Average total assets | $279,681,670 | 2,316 |
| Average earning assets | $270,485,670 | 2,235 |
| Average equity | $27,665,000 | 2,524 |
| Average total loans | $246,849,000 | 1,843 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 1,784 |
| Cost of funding earning assets | 0.6872% | 893 |
| Net interest margin | 3.6730% | 2,591 |
| Noninterest income to average assets | 0.1278% | 5,480 |
| Noninterest expense to average assets | 2.1138% | 4,816 |
| Loan and lease loss provision to assets | 0.2203% | 721 |
| Net operating income to assets | 0.7653% | 3,401 |
| Return on assets (ROA) | 0.7653% | 3,452 |
| Pretax return on assets | 1.3426% | 2,085 |
| Return on Equity (ROE) | 7.8190% | 3,013 |
| Retained earnings to average equity (ytd only) | 7.8190% | 1,540 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4910% | 4,779 |
| Assets per employee ($millions) | 8.3642% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,943 |
| Loan loss allowance to noncurrent loans | 85.6764% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.4992% | 1,068 |
| Noncurrent loans to loans | 1.2344% | 1,637 |
| Net loans and leases to total assets | 87.5837% | 131 |
| Net loans and leases to deposits | 112.3600% | 170 |
| Net loans and leases to core deposits | 126.4891% | 312 |
| Total domestic deposits to total assets | 77.9492% | 4,971 |
| Equity capital to assets | 10.5591% | 3,124 |
| Core capital (leverage) ratio | 10.1694% | 3,288 |
| Tier 1 risk-based capital ratio | 13.3094% | 3,881 |
| Total risk-based capital ratio | 14.5615% | 3,798 |
| Memoranda: | ||
| Average total assets | $272,299,500 | 2,381 |
| Average earning assets | $263,108,000 | 2,295 |
| Average equity | $26,653,000 | 2,597 |
| Average total loans | $239,720,500 | 1,892 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,347 |
| Cost of funding earning assets | 0.6875% | 867 |
| Net interest margin | 3.5533% | 3,238 |
| Noninterest income to average assets | 0.1252% | 5,558 |
| Noninterest expense to average assets | 2.2143% | 4,745 |
| Loan and lease loss provision to assets | 0.2784% | 720 |
| Net operating income to assets | 0.6338% | 4,075 |
| Return on assets (ROA) | 0.6559% | 4,091 |
| Pretax return on assets | 1.1114% | 3,058 |
| Return on Equity (ROE) | 6.8550% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.8550% | 1,287 |
| Net charge-offs to loans | 0.1734% | 1,578 |
| Credit loss provision to net charge-offs | 185.1351% | 1,519 |
| Earnings coverage of net charge-offs (x) | 9.0135% | 2,801 |
| Efficiency ratio | 62.0332% | 4,241 |
| Assets per employee ($millions) | 8.1338% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 4,108 |
| Loan loss allowance to noncurrent loans | 57.4463% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 2.0666% | 647 |
| Noncurrent loans to loans | 1.8021% | 1,050 |
| Net loans and leases to total assets | 86.6852% | 197 |
| Net loans and leases to deposits | 109.2001% | 247 |
| Net loans and leases to core deposits | 120.6249% | 468 |
| Total domestic deposits to total assets | 79.3820% | 4,701 |
| Equity capital to assets | 9.0159% | 4,802 |
| Core capital (leverage) ratio | 8.6295% | 5,141 |
| Tier 1 risk-based capital ratio | 11.2822% | 5,180 |
| Total risk-based capital ratio | 12.5197% | 5,084 |
| Memoranda: | ||
| Average total assets | $246,077,600 | 2,542 |
| Average earning assets | $238,536,000 | 2,450 |
| Average equity | $23,545,000 | 2,844 |
| Average total loans | $213,436,200 | 2,019 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1622% | 2,638 |
| Cost of funding earning assets | 0.6876% | 867 |
| Net interest margin | 3.4746% | 3,564 |
| Noninterest income to average assets | 0.1270% | 5,616 |
| Noninterest expense to average assets | 2.2209% | 4,716 |
| Loan and lease loss provision to assets | 0.3077% | 545 |
| Net operating income to assets | 0.5819% | 4,363 |
| Return on assets (ROA) | 0.6121% | 4,355 |
| Pretax return on assets | 1.0157% | 3,576 |
| Return on Equity (ROE) | 6.2955% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.2955% | 2,009 |
| Net charge-offs to loans | 0.1602% | 1,417 |
| Credit loss provision to net charge-offs | 222.0000% | 1,327 |
| Earnings coverage of net charge-offs (x) | 9.2079% | 2,693 |
| Efficiency ratio | 63.5067% | 4,004 |
| Assets per employee ($millions) | 7.7510% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 3,925 |
| Loan loss allowance to noncurrent loans | 37.6281% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 2.9572% | 394 |
| Noncurrent loans to loans | 2.8792% | 548 |
| Net loans and leases to total assets | 86.5268% | 214 |
| Net loans and leases to deposits | 111.7405% | 228 |
| Net loans and leases to core deposits | 124.1996% | 411 |
| Total domestic deposits to total assets | 77.4355% | 5,009 |
| Equity capital to assets | 9.3908% | 4,771 |
| Core capital (leverage) ratio | 8.9344% | 4,900 |
| Tier 1 risk-based capital ratio | 11.6901% | 4,982 |
| Total risk-based capital ratio | 12.9452% | 4,882 |
| Memoranda: | ||
| Average total assets | $240,493,000 | 2,581 |
| Average earning assets | $233,269,000 | 2,496 |
| Average equity | $23,381,250 | 2,873 |
| Average total loans | $208,017,500 | 2,068 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,603 |
| Cost of funding earning assets | 0.6787% | 899 |
| Net interest margin | 3.4917% | 3,513 |
| Noninterest income to average assets | 0.1334% | 5,645 |
| Noninterest expense to average assets | 2.2787% | 4,664 |
| Loan and lease loss provision to assets | 0.3059% | 572 |
| Net operating income to assets | 0.5774% | 4,366 |
| Return on assets (ROA) | 0.6236% | 4,301 |
| Pretax return on assets | 1.0085% | 3,547 |
| Return on Equity (ROE) | 6.3362% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.3362% | 1,942 |
| Net charge-offs to loans | 0.2466% | 960 |
| Credit loss provision to net charge-offs | 144.0000% | 1,643 |
| Earnings coverage of net charge-offs (x) | 5.8480% | 2,809 |
| Efficiency ratio | 64.7201% | 3,896 |
| Assets per employee ($millions) | 8.2766% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 4,121 |
| Loan loss allowance to noncurrent loans | 35.0141% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 3.0157% | 402 |
| Noncurrent loans to loans | 3.0487% | 488 |
| Net loans and leases to total assets | 83.1976% | 490 |
| Net loans and leases to deposits | 102.6607% | 527 |
| Net loans and leases to core deposits | 113.4514% | 746 |
| Total domestic deposits to total assets | 81.0413% | 4,264 |
| Equity capital to assets | 9.5450% | 4,721 |
| Core capital (leverage) ratio | 9.0149% | 4,813 |
| Tier 1 risk-based capital ratio | 12.3078% | 4,642 |
| Total risk-based capital ratio | 13.5633% | 4,558 |
| Memoranda: | ||
| Average total assets | $235,396,670 | 2,636 |
| Average earning assets | $228,367,670 | 2,552 |
| Average equity | $23,168,330 | 2,902 |
| Average total loans | $202,775,330 | 2,110 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 2,976 |
| Cost of funding earning assets | 0.6721% | 938 |
| Net interest margin | 3.3949% | 3,889 |
| Noninterest income to average assets | 0.1345% | 5,670 |
| Noninterest expense to average assets | 2.3062% | 4,640 |
| Loan and lease loss provision to assets | 0.2883% | 563 |
| Net operating income to assets | 0.5399% | 4,468 |
| Return on assets (ROA) | 0.5399% | 4,572 |
| Pretax return on assets | 0.8316% | 4,098 |
| Return on Equity (ROE) | 5.3968% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.3968% | 2,716 |
| Net charge-offs to loans | 0.5006% | 439 |
| Credit loss provision to net charge-offs | 66.0000% | 1,934 |
| Earnings coverage of net charge-offs (x) | 2.5640% | 2,665 |
| Efficiency ratio | 67.3126% | 3,577 |
| Assets per employee ($millions) | 8.5539% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 4,677 |
| Loan loss allowance to noncurrent loans | 29.9602% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 3.3030% | 361 |
| Noncurrent loans to loans | 3.2972% | 443 |
| Net loans and leases to total assets | 85.1200% | 283 |
| Net loans and leases to deposits | 106.2354% | 333 |
| Net loans and leases to core deposits | 118.0972% | 523 |
| Total domestic deposits to total assets | 80.1239% | 4,723 |
| Equity capital to assets | 9.6635% | 4,485 |
| Core capital (leverage) ratio | 9.3937% | 4,356 |
| Tier 1 risk-based capital ratio | 12.1521% | 4,812 |
| Total risk-based capital ratio | 13.3272% | 4,779 |
| Memoranda: | ||
| Average total assets | $228,946,000 | 2,700 |
| Average earning assets | $221,981,500 | 2,604 |
| Average equity | $22,902,500 | 2,936 |
| Average total loans | $199,759,500 | 2,134 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 2,135 |
| Cost of funding earning assets | 0.6126% | 1,300 |
| Net interest margin | 3.7108% | 2,710 |
| Noninterest income to average assets | 0.1524% | 5,655 |
| Noninterest expense to average assets | 2.3308% | 4,703 |
| Loan and lease loss provision to assets | 0.3173% | 518 |
| Net operating income to assets | 0.6473% | 4,048 |
| Return on assets (ROA) | 0.6971% | 3,930 |
| Pretax return on assets | 1.1754% | 2,748 |
| Return on Equity (ROE) | 6.3454% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.3454% | 1,632 |
| Net charge-offs to loans | 0.0117% | 4,071 |
| Credit loss provision to net charge-offs | 3,175.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 141.5500% | 439 |
| Efficiency ratio | 62.2282% | 4,566 |
| Assets per employee ($millions) | 8.0883% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 4,082 |
| Loan loss allowance to noncurrent loans | 26.9114% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 3.6056% | 318 |
| Noncurrent loans to loans | 4.0668% | 295 |
| Net loans and leases to total assets | 87.6881% | 135 |
| Net loans and leases to deposits | 115.7642% | 146 |
| Net loans and leases to core deposits | 130.0217% | 270 |
| Total domestic deposits to total assets | 75.7472% | 5,471 |
| Equity capital to assets | 10.3763% | 3,523 |
| Core capital (leverage) ratio | 9.4966% | 4,171 |
| Tier 1 risk-based capital ratio | 12.8443% | 4,425 |
| Total risk-based capital ratio | 14.1054% | 4,311 |
| Memoranda: | ||
| Average total assets | $200,100,800 | 2,954 |
| Average earning assets | $193,760,200 | 2,850 |
| Average equity | $21,984,400 | 2,977 |
| Average total loans | $171,549,800 | 2,339 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2641% | 2,352 |
| Cost of funding earning assets | 0.5973% | 1,424 |
| Net interest margin | 3.6669% | 2,902 |
| Noninterest income to average assets | 0.1582% | 5,697 |
| Noninterest expense to average assets | 2.3252% | 4,721 |
| Loan and lease loss provision to assets | 0.3887% | 317 |
| Net operating income to assets | 0.5791% | 4,478 |
| Return on assets (ROA) | 0.6205% | 4,389 |
| Pretax return on assets | 1.0590% | 3,383 |
| Return on Equity (ROE) | 5.5616% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.5616% | 2,546 |
| Net charge-offs to loans | 0.0161% | 3,632 |
| Credit loss provision to net charge-offs | 2,850.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 101.3847% | 620 |
| Efficiency ratio | 62.7069% | 4,459 |
| Assets per employee ($millions) | 8.2629% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 4,023 |
| Loan loss allowance to noncurrent loans | 51.9343% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.8409% | 1,149 |
| Noncurrent loans to loans | 2.1871% | 1,009 |
| Net loans and leases to total assets | 83.2187% | 451 |
| Net loans and leases to deposits | 104.0295% | 444 |
| Net loans and leases to core deposits | 119.8961% | 471 |
| Total domestic deposits to total assets | 79.9953% | 4,754 |
| Equity capital to assets | 10.3880% | 3,720 |
| Core capital (leverage) ratio | 9.6690% | 4,079 |
| Tier 1 risk-based capital ratio | 13.6500% | 4,050 |
| Total risk-based capital ratio | 14.9121% | 3,973 |
| Memoranda: | ||
| Average total assets | $195,530,250 | 3,016 |
| Average earning assets | $189,294,750 | 2,923 |
| Average equity | $21,815,500 | 3,009 |
| Average total loans | $166,033,500 | 2,412 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 2,352 |
| Cost of funding earning assets | 0.5738% | 1,617 |
| Net interest margin | 3.6776% | 2,805 |
| Noninterest income to average assets | 0.1576% | 5,763 |
| Noninterest expense to average assets | 2.3882% | 4,585 |
| Loan and lease loss provision to assets | 0.3966% | 302 |
| Net operating income to assets | 0.5418% | 4,593 |
| Return on assets (ROA) | 0.5912% | 4,479 |
| Pretax return on assets | 1.0090% | 3,548 |
| Return on Equity (ROE) | 5.1644% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.1644% | 2,755 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2573% | 4,312 |
| Assets per employee ($millions) | 7.9375% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 4,238 |
| Loan loss allowance to noncurrent loans | 58.7371% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.5501% | 1,576 |
| Noncurrent loans to loans | 1.9017% | 1,309 |
| Net loans and leases to total assets | 80.6027% | 725 |
| Net loans and leases to deposits | 102.6663% | 519 |
| Net loans and leases to core deposits | 121.0040% | 441 |
| Total domestic deposits to total assets | 78.5094% | 5,185 |
| Equity capital to assets | 10.5944% | 3,331 |
| Core capital (leverage) ratio | 9.9485% | 3,684 |
| Tier 1 risk-based capital ratio | 14.3887% | 3,705 |
| Total risk-based capital ratio | 15.6523% | 3,612 |
| Memoranda: | ||
| Average total assets | $189,095,330 | 3,116 |
| Average earning assets | $182,999,000 | 3,017 |
| Average equity | $21,648,330 | 3,038 |
| Average total loans | $161,099,000 | 2,472 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 2,033 |
| Cost of funding earning assets | 0.5407% | 1,922 |
| Net interest margin | 3.7777% | 2,312 |
| Noninterest income to average assets | 0.1529% | 5,824 |
| Noninterest expense to average assets | 2.4937% | 4,279 |
| Loan and lease loss provision to assets | 0.3990% | 295 |
| Net operating income to assets | 0.5326% | 4,536 |
| Return on assets (ROA) | 0.6007% | 4,385 |
| Pretax return on assets | 1.0219% | 3,413 |
| Return on Equity (ROE) | 5.0324% | 4,510 |
| Retained earnings to average equity (ytd only) | 5.0324% | 3,034 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4831% | 4,243 |
| Assets per employee ($millions) | 7.2936% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 4,862 |
| Loan loss allowance to noncurrent loans | 83.7394% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 2,428 |
| Noncurrent loans to loans | 1.2309% | 2,318 |
| Net loans and leases to total assets | 88.6756% | 85 |
| Net loans and leases to deposits | 119.3308% | 91 |
| Net loans and leases to core deposits | 142.9941% | 138 |
| Total domestic deposits to total assets | 74.3108% | 5,883 |
| Equity capital to assets | 11.9008% | 2,105 |
| Core capital (leverage) ratio | 11.0872% | 2,326 |
| Tier 1 risk-based capital ratio | 14.4558% | 3,744 |
| Total risk-based capital ratio | 15.7173% | 3,665 |
| Memoranda: | ||
| Average total assets | $180,456,000 | 3,227 |
| Average earning assets | $174,603,000 | 3,116 |
| Average equity | $21,540,500 | 3,073 |
| Average total loans | $157,537,500 | 2,522 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9808% | 3,791 |
| Cost of funding earning assets | 0.6074% | 1,707 |
| Net interest margin | 3.3734% | 4,311 |
| Noninterest income to average assets | 0.2024% | 5,650 |
| Noninterest expense to average assets | 2.8809% | 3,206 |
| Loan and lease loss provision to assets | 0.1308% | 2,003 |
| Net operating income to assets | 0.2347% | 5,692 |
| Return on assets (ROA) | 0.2734% | 5,660 |
| Pretax return on assets | 0.4714% | 5,317 |
| Return on Equity (ROE) | 2.2359% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.2359% | 4,656 |
| Net charge-offs to loans | -0.0032% | 5,415 |
| Credit loss provision to net charge-offs | -5,250.0000% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1703% | 1,392 |
| Assets per employee ($millions) | 7.7693% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 5,018 |
| Loan loss allowance to noncurrent loans | 73.7300% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1567% | 2,450 |
| Noncurrent loans to loans | 1.3626% | 2,155 |
| Net loans and leases to total assets | 84.0408% | 340 |
| Net loans and leases to deposits | 110.9810% | 217 |
| Net loans and leases to core deposits | 133.2094% | 216 |
| Total domestic deposits to total assets | 75.7254% | 5,780 |
| Equity capital to assets | 11.9652% | 2,040 |
| Core capital (leverage) ratio | 11.2164% | 2,206 |
| Tier 1 risk-based capital ratio | 15.2011% | 3,378 |
| Total risk-based capital ratio | 16.4164% | 3,351 |
| Memoranda: | ||
| Average total assets | $160,574,200 | 3,482 |
| Average earning assets | $153,285,600 | 3,388 |
| Average equity | $19,633,800 | 3,198 |
| Average total loans | $124,846,400 | 2,958 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 4,119 |
| Cost of funding earning assets | 0.6280% | 1,616 |
| Net interest margin | 3.2863% | 4,658 |
| Noninterest income to average assets | 0.1435% | 6,059 |
| Noninterest expense to average assets | 2.6992% | 3,826 |
| Loan and lease loss provision to assets | 0.0385% | 3,635 |
| Net operating income to assets | 0.3195% | 5,529 |
| Return on assets (ROA) | 0.3725% | 5,435 |
| Pretax return on assets | 0.6143% | 4,986 |
| Return on Equity (ROE) | 3.0282% | 5,527 |
| Retained earnings to average equity (ytd only) | 3.0282% | 4,462 |
| Net charge-offs to loans | -0.0034% | 5,237 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5666% | 1,543 |
| Assets per employee ($millions) | 6.4841% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,004 |
| Loan loss allowance to noncurrent loans | 69.8356% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 2.9889% | 789 |
| Noncurrent loans to loans | 1.5001% | 2,166 |
| Net loans and leases to total assets | 79.1909% | 814 |
| Net loans and leases to deposits | 98.3603% | 713 |
| Net loans and leases to core deposits | 121.9285% | 351 |
| Total domestic deposits to total assets | 80.5110% | 4,962 |
| Equity capital to assets | 13.1066% | 1,376 |
| Core capital (leverage) ratio | 11.9018% | 1,761 |
| Tier 1 risk-based capital ratio | 17.1526% | 2,546 |
| Total risk-based capital ratio | 18.3969% | 2,508 |
| Memoranda: | ||
| Average total assets | $156,044,500 | 3,579 |
| Average earning assets | $148,412,500 | 3,505 |
| Average equity | $19,197,000 | 3,272 |
| Average total loans | $118,133,250 | 3,095 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 4,386 |
| Cost of funding earning assets | 0.6356% | 1,617 |
| Net interest margin | 3.2013% | 4,944 |
| Noninterest income to average assets | 0.1402% | 6,121 |
| Noninterest expense to average assets | 2.6814% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3349% | 5,452 |
| Return on assets (ROA) | 0.3675% | 5,411 |
| Pretax return on assets | 0.5558% | 5,111 |
| Return on Equity (ROE) | 3.0571% | 5,510 |
| Retained earnings to average equity (ytd only) | 3.0571% | 4,259 |
| Net charge-offs to loans | -0.0018% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1141% | 1,500 |
| Assets per employee ($millions) | 6.5014% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 4,816 |
| Loan loss allowance to noncurrent loans | 190.4209% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 2.2075% | 1,375 |
| Noncurrent loans to loans | 0.5880% | 4,261 |
| Net loans and leases to total assets | 71.2909% | 1,865 |
| Net loans and leases to deposits | 88.2585% | 1,563 |
| Net loans and leases to core deposits | 110.6388% | 668 |
| Total domestic deposits to total assets | 80.7751% | 5,045 |
| Equity capital to assets | 12.9825% | 1,378 |
| Core capital (leverage) ratio | 11.7761% | 1,805 |
| Tier 1 risk-based capital ratio | 18.6670% | 2,014 |
| Total risk-based capital ratio | 19.9120% | 1,974 |
| Memoranda: | ||
| Average total assets | $154,025,330 | 3,620 |
| Average earning assets | $146,629,330 | 3,546 |
| Average equity | $18,514,000 | 3,360 |
| Average total loans | $114,268,000 | 3,170 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,584 |
| Cost of funding earning assets | 0.6437% | 1,626 |
| Net interest margin | 3.1316% | 5,140 |
| Noninterest income to average assets | 0.1389% | 6,148 |
| Noninterest expense to average assets | 2.5880% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3552% | 5,295 |
| Return on assets (ROA) | 0.3552% | 5,351 |
| Pretax return on assets | 0.5395% | 5,047 |
| Return on Equity (ROE) | 3.0893% | 5,428 |
| Retained earnings to average equity (ytd only) | 3.0893% | 4,265 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7498% | 1,829 |
| Assets per employee ($millions) | 6.4396% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 4,919 |
| Loan loss allowance to noncurrent loans | 310.6635% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 2.0629% | 1,637 |
| Noncurrent loans to loans | 0.3671% | 5,022 |
| Net loans and leases to total assets | 70.5957% | 1,787 |
| Net loans and leases to deposits | 87.4414% | 1,425 |
| Net loans and leases to core deposits | 113.9494% | 465 |
| Total domestic deposits to total assets | 80.7348% | 5,306 |
| Equity capital to assets | 12.9816% | 1,314 |
| Core capital (leverage) ratio | 12.7667% | 1,262 |
| Tier 1 risk-based capital ratio | 19.2428% | 1,897 |
| Total risk-based capital ratio | 20.4943% | 1,863 |
| Memoranda: | ||
| Average total assets | $149,771,000 | 3,704 |
| Average earning assets | $142,930,500 | 3,636 |
| Average equity | $17,220,500 | 3,517 |
| Average total loans | $112,810,000 | 3,207 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 3,684 |
| Cost of funding earning assets | 0.6532% | 2,179 |
| Net interest margin | 3.4601% | 4,056 |
| Noninterest income to average assets | 0.1117% | 6,344 |
| Noninterest expense to average assets | 2.9798% | 3,113 |
| Loan and lease loss provision to assets | 0.1151% | 2,885 |
| Net operating income to assets | 3.0222% | 108 |
| Return on assets (ROA) | 3.0222% | 108 |
| Pretax return on assets | 0.3936% | 5,508 |
| Return on Equity (ROE) | 33.1187% | 50 |
| Retained earnings to average equity (ytd only) | 33.1187% | 24 |
| Net charge-offs to loans | -0.1234% | 6,529 |
| Credit loss provision to net charge-offs | -113.3333% | 5,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4162% | 1,475 |
| Assets per employee ($millions) | 6.9276% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 4,735 |
| Loan loss allowance to noncurrent loans | 52.6295% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 1.7979% | 2,055 |
| Noncurrent loans to loans | 2.2511% | 1,720 |
| Net loans and leases to total assets | 78.9205% | 725 |
| Net loans and leases to deposits | 95.0653% | 795 |
| Net loans and leases to core deposits | 120.0193% | 329 |
| Total domestic deposits to total assets | 83.0172% | 4,538 |
| Equity capital to assets | 9.7739% | 4,069 |
| Core capital (leverage) ratio | 9.1067% | 4,848 |
| Tier 1 risk-based capital ratio | 12.5412% | 5,264 |
| Total risk-based capital ratio | 13.7935% | 5,220 |
| Memoranda: | ||
| Average total assets | $118,127,600 | 4,311 |
| Average earning assets | $115,286,200 | 4,153 |
| Average equity | $10,779,400 | 4,684 |
| Average total loans | $97,220,600 | 3,524 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 3,634 |
| Cost of funding earning assets | 0.6617% | 2,246 |
| Net interest margin | 3.4699% | 4,017 |
| Noninterest income to average assets | 0.0802% | 6,538 |
| Noninterest expense to average assets | 3.0011% | 2,989 |
| Loan and lease loss provision to assets | 0.1604% | 2,252 |
| Net operating income to assets | 0.3209% | 5,539 |
| Return on assets (ROA) | 0.3209% | 5,656 |
| Pretax return on assets | 0.3209% | 5,821 |
| Return on Equity (ROE) | 3.5947% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.5947% | 4,131 |
| Net charge-offs to loans | -0.1705% | 6,620 |
| Credit loss provision to net charge-offs | -113.3333% | 5,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1789% | 1,346 |
| Assets per employee ($millions) | 6.2361% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 4,790 |
| Loan loss allowance to noncurrent loans | 35.1112% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 3.1489% | 1,152 |
| Noncurrent loans to loans | 3.4709% | 1,101 |
| Net loans and leases to total assets | 89.6181% | 47 |
| Net loans and leases to deposits | 113.7361% | 115 |
| Net loans and leases to core deposits | 137.5957% | 129 |
| Total domestic deposits to total assets | 78.7948% | 5,786 |
| Equity capital to assets | 8.6154% | 5,606 |
| Core capital (leverage) ratio | 8.8597% | 5,309 |
| Tier 1 risk-based capital ratio | 12.1196% | 5,706 |
| Total risk-based capital ratio | 13.3728% | 5,637 |
| Memoranda: | ||
| Average total assets | $113,021,500 | 4,482 |
| Average earning assets | $110,816,750 | 4,283 |
| Average equity | $10,088,750 | 4,875 |
| Average total loans | $93,861,500 | 3,627 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 4,125 |
| Cost of funding earning assets | 0.6477% | 2,515 |
| Net interest margin | 3.3487% | 4,379 |
| Noninterest income to average assets | 0.0629% | 6,628 |
| Noninterest expense to average assets | 3.0701% | 2,760 |
| Loan and lease loss provision to assets | 0.2446% | 1,525 |
| Net operating income to assets | 0.0306% | 6,263 |
| Return on assets (ROA) | 0.0306% | 6,337 |
| Pretax return on assets | 0.0306% | 6,321 |
| Return on Equity (ROE) | 0.3383% | 6,333 |
| Retained earnings to average equity (ytd only) | 0.3383% | 5,759 |
| Net charge-offs to loans | -0.2687% | 6,735 |
| Credit loss provision to net charge-offs | -113.3333% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7742% | 908 |
| Assets per employee ($millions) | 6.6158% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 4,530 |
| Loan loss allowance to noncurrent loans | 33.8326% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 3.2515% | 1,219 |
| Noncurrent loans to loans | 3.8312% | 1,053 |
| Net loans and leases to total assets | 83.7687% | 250 |
| Net loans and leases to deposits | 100.6061% | 392 |
| Net loans and leases to core deposits | 123.1176% | 271 |
| Total domestic deposits to total assets | 83.2641% | 4,608 |
| Equity capital to assets | 8.3873% | 5,877 |
| Core capital (leverage) ratio | 8.7845% | 5,313 |
| Tier 1 risk-based capital ratio | 12.4804% | 5,520 |
| Total risk-based capital ratio | 13.7354% | 5,454 |
| Memoranda: | ||
| Average total assets | $111,200,330 | 4,551 |
| Average earning assets | $108,996,000 | 4,362 |
| Average equity | $10,049,000 | 4,926 |
| Average total loans | $89,317,330 | 3,742 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,905 |
| Cost of funding earning assets | 0.6091% | 3,020 |
| Net interest margin | 3.4454% | 3,932 |
| Noninterest income to average assets | 0.0522% | 6,729 |
| Noninterest expense to average assets | 3.2408% | 2,230 |
| Loan and lease loss provision to assets | 0.3804% | 839 |
| Net operating income to assets | -0.1939% | 6,513 |
| Return on assets (ROA) | -0.1939% | 6,554 |
| Pretax return on assets | -0.1939% | 6,546 |
| Return on Equity (ROE) | -2.0636% | 6,562 |
| Retained earnings to average equity (ytd only) | -2.0636% | 6,084 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5593% | 798 |
| Assets per employee ($millions) | 5.9979% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 4,551 |
| Loan loss allowance to noncurrent loans | 27.9632% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 3.8291% | 1,073 |
| Noncurrent loans to loans | 4.7620% | 831 |
| Net loans and leases to total assets | 79.3392% | 488 |
| Net loans and leases to deposits | 102.1697% | 276 |
| Net loans and leases to core deposits | 129.2858% | 181 |
| Total domestic deposits to total assets | 77.6544% | 6,165 |
| Equity capital to assets | 9.3124% | 5,114 |
| Core capital (leverage) ratio | 9.5181% | 4,051 |
| Tier 1 risk-based capital ratio | 14.1037% | 4,428 |
| Total risk-based capital ratio | 15.3592% | 4,381 |
| Memoranda: | ||
| Average total assets | $107,258,000 | 4,674 |
| Average earning assets | $105,068,000 | 4,491 |
| Average equity | $10,079,500 | 4,968 |
| Average total loans | $83,443,000 | 3,915 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 3,598 |
| Cost of funding earning assets | 0.5525% | 4,794 |
| Net interest margin | 3.9013% | 2,825 |
| Noninterest income to average assets | 0.0756% | 6,598 |
| Noninterest expense to average assets | 3.7878% | 1,275 |
| Loan and lease loss provision to assets | 0.6202% | 874 |
| Net operating income to assets | -0.5593% | 6,598 |
| Return on assets (ROA) | -0.3372% | 6,518 |
| Pretax return on assets | -0.3360% | 6,497 |
| Return on Equity (ROE) | -3.7475% | 6,537 |
| Retained earnings to average equity (ytd only) | -3.7475% | 6,337 |
| Net charge-offs to loans | 0.3225% | 3,037 |
| Credit loss provision to net charge-offs | 252.2936% | 959 |
| Earnings coverage of net charge-offs (x) | 0.2523% | 5,350 |
| Efficiency ratio | 98.3890% | 612 |
| Assets per employee ($millions) | 4.6327% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,547 |
| Loan loss allowance to noncurrent loans | 39.2844% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 2.5180% | 1,936 |
| Noncurrent loans to loans | 3.3507% | 1,517 |
| Net loans and leases to total assets | 74.1593% | 1,171 |
| Net loans and leases to deposits | 95.6878% | 637 |
| Net loans and leases to core deposits | 118.3451% | 313 |
| Total domestic deposits to total assets | 77.5013% | 6,164 |
| Equity capital to assets | 9.4835% | 4,897 |
| Core capital (leverage) ratio | 10.4164% | 2,865 |
| Tier 1 risk-based capital ratio | 15.0165% | 3,713 |
| Total risk-based capital ratio | 16.2703% | 3,660 |
| Memoranda: | ||
| Average total assets | $88,678,600 | 5,118 |
| Average earning assets | $85,791,000 | 4,967 |
| Average equity | $7,978,600 | 5,510 |
| Average total loans | $67,592,400 | 4,437 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 3,260 |
| Cost of funding earning assets | 0.5471% | 5,106 |
| Net interest margin | 4.0403% | 2,338 |
| Noninterest income to average assets | 0.0776% | 6,700 |
| Noninterest expense to average assets | 4.0232% | 910 |
| Loan and lease loss provision to assets | 0.7331% | 683 |
| Net operating income to assets | -0.7853% | 6,805 |
| Return on assets (ROA) | -0.5162% | 6,740 |
| Pretax return on assets | -0.5162% | 6,710 |
| Return on Equity (ROE) | -5.8367% | 6,748 |
| Retained earnings to average equity (ytd only) | -5.8367% | 6,665 |
| Net charge-offs to loans | 0.4529% | 2,295 |
| Credit loss provision to net charge-offs | 211.4155% | 1,307 |
| Earnings coverage of net charge-offs (x) | -0.1507% | 5,399 |
| Efficiency ratio | 101.3158% | 503 |
| Assets per employee ($millions) | 4.3039% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 4,802 |
| Loan loss allowance to noncurrent loans | 46.8023% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 2.2836% | 2,334 |
| Noncurrent loans to loans | 2.7823% | 2,023 |
| Net loans and leases to total assets | 81.0073% | 430 |
| Net loans and leases to deposits | 101.5267% | 377 |
| Net loans and leases to core deposits | 113.2288% | 454 |
| Total domestic deposits to total assets | 79.7891% | 5,709 |
| Equity capital to assets | 8.1919% | 6,491 |
| Core capital (leverage) ratio | 8.2162% | 6,123 |
| Tier 1 risk-based capital ratio | 11.3344% | 6,336 |
| Total risk-based capital ratio | 12.5872% | 6,299 |
| Memoranda: | ||
| Average total assets | $84,210,000 | 5,294 |
| Average earning assets | $81,146,250 | 5,138 |
| Average equity | $7,447,000 | 5,710 |
| Average total loans | $64,472,250 | 4,608 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 3,052 |
| Cost of funding earning assets | 0.5380% | 5,385 |
| Net interest margin | 4.1314% | 1,964 |
| Noninterest income to average assets | 0.0779% | 6,761 |
| Noninterest expense to average assets | 4.1825% | 746 |
| Loan and lease loss provision to assets | 0.8545% | 568 |
| Net operating income to assets | -0.9957% | 6,906 |
| Return on assets (ROA) | -0.8472% | 6,896 |
| Pretax return on assets | -0.8472% | 6,862 |
| Return on Equity (ROE) | -9.3281% | 6,893 |
| Retained earnings to average equity (ytd only) | -9.3281% | 6,817 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4940% | 446 |
| Assets per employee ($millions) | 3.9997% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 3,519 |
| Loan loss allowance to noncurrent loans | 46.6928% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.6115% | 2,122 |
| Noncurrent loans to loans | 3.4773% | 1,652 |
| Net loans and leases to total assets | 73.8823% | 1,263 |
| Net loans and leases to deposits | 91.0596% | 1,040 |
| Net loans and leases to core deposits | 100.3876% | 1,071 |
| Total domestic deposits to total assets | 81.1362% | 5,421 |
| Equity capital to assets | 8.2790% | 6,394 |
| Core capital (leverage) ratio | 8.5458% | 5,588 |
| Tier 1 risk-based capital ratio | 12.1468% | 5,836 |
| Total risk-based capital ratio | 13.4033% | 5,808 |
| Memoranda: | ||
| Average total assets | $82,152,670 | 5,376 |
| Average earning assets | $78,811,000 | 5,246 |
| Average equity | $7,461,330 | 5,720 |
| Average total loans | $61,235,670 | 4,733 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7325% | 2,919 |
| Cost of funding earning assets | 0.5084% | 5,760 |
| Net interest margin | 4.2241% | 1,689 |
| Noninterest income to average assets | 0.0757% | 6,842 |
| Noninterest expense to average assets | 4.1801% | 760 |
| Loan and lease loss provision to assets | 0.3433% | 1,822 |
| Net operating income to assets | -0.3786% | 6,755 |
| Return on assets (ROA) | -0.3786% | 6,795 |
| Pretax return on assets | -0.3786% | 6,770 |
| Return on Equity (ROE) | -3.9738% | 6,807 |
| Retained earnings to average equity (ytd only) | -3.9738% | 6,491 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8526% | 526 |
| Assets per employee ($millions) | 4.3748% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 5,097 |
| Loan loss allowance to noncurrent loans | 54.5204% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.7432% | 3,246 |
| Noncurrent loans to loans | 2.3528% | 2,743 |
| Net loans and leases to total assets | 73.1404% | 1,198 |
| Net loans and leases to deposits | 95.4905% | 575 |
| Net loans and leases to core deposits | 105.3238% | 701 |
| Total domestic deposits to total assets | 76.5944% | 6,472 |
| Equity capital to assets | 9.0555% | 5,414 |
| Core capital (leverage) ratio | 9.7098% | 3,756 |
| Tier 1 risk-based capital ratio | 12.6302% | 5,493 |
| Total risk-based capital ratio | 13.8812% | 5,461 |
| Memoranda: | ||
| Average total assets | $79,232,000 | 5,503 |
| Average earning assets | $76,324,000 | 5,353 |
| Average equity | $7,549,500 | 5,722 |
| Average total loans | $58,811,000 | 4,865 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 4,626 |
| Cost of funding earning assets | 0.7352% | 5,313 |
| Net interest margin | 3.8772% | 3,437 |
| Noninterest income to average assets | 0.1743% | 6,244 |
| Noninterest expense to average assets | 5.4777% | 268 |
| Loan and lease loss provision to assets | 0.0550% | 5,909 |
| Net operating income to assets | -1.6081% | 6,933 |
| Return on assets (ROA) | -1.3286% | 6,884 |
| Pretax return on assets | -1.3270% | 6,851 |
| Return on Equity (ROE) | -12.3216% | 6,808 |
| Retained earnings to average equity (ytd only) | -12.3216% | 6,781 |
| Net charge-offs to loans | 0.0197% | 6,167 |
| Credit loss provision to net charge-offs | 388.8889% | 601 |
| Earnings coverage of net charge-offs (x) | -109.7778% | 6,433 |
| Efficiency ratio | 139.5200% | 179 |
| Assets per employee ($millions) | 4.1857% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 4,959 |
| Loan loss allowance to noncurrent loans | 49.8965% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.9232% | 3,075 |
| Noncurrent loans to loans | 2.5858% | 2,531 |
| Net loans and leases to total assets | 73.4162% | 1,374 |
| Net loans and leases to deposits | 88.5974% | 1,304 |
| Net loans and leases to core deposits | 97.6020% | 1,366 |
| Total domestic deposits to total assets | 82.8650% | 4,805 |
| Equity capital to assets | 10.0500% | 4,108 |
| Core capital (leverage) ratio | 10.4985% | 2,733 |
| Tier 1 risk-based capital ratio | 14.4460% | 4,007 |
| Total risk-based capital ratio | 15.6973% | 3,982 |
| Memoranda: | ||
| Average total assets | $63,676,600 | 5,933 |
| Average earning assets | $61,617,000 | 5,815 |
| Average equity | $6,866,000 | 5,903 |
| Average total loans | $45,695,200 | 5,437 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 5,082 |
| Cost of funding earning assets | 0.7957% | 5,180 |
| Net interest margin | 3.7558% | 4,086 |
| Noninterest income to average assets | 0.1953% | 6,199 |
| Noninterest expense to average assets | 5.8656% | 215 |
| Loan and lease loss provision to assets | 0.3292% | 2,907 |
| Net operating income to assets | -2.3743% | 7,194 |
| Return on assets (ROA) | -2.0276% | 7,151 |
| Pretax return on assets | -2.0276% | 7,130 |
| Return on Equity (ROE) | -18.4165% | 7,074 |
| Retained earnings to average equity (ytd only) | -18.4165% | 7,058 |
| Net charge-offs to loans | 0.0278% | 5,761 |
| Credit loss provision to net charge-offs | 1,666.6667% | 165 |
| Earnings coverage of net charge-offs (x) | -103.5533% | 6,178 |
| Efficiency ratio | 153.5325% | 124 |
| Assets per employee ($millions) | 3.8883% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9100% | 2,585 |
| Loan loss allowance to noncurrent loans | 57.4074% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.0832% | 3,045 |
| Noncurrent loans to loans | 3.3272% | 2,074 |
| Net loans and leases to total assets | 61.4145% | 3,869 |
| Net loans and leases to deposits | 69.0906% | 4,436 |
| Net loans and leases to core deposits | 76.8725% | 4,073 |
| Total domestic deposits to total assets | 88.8898% | 1,491 |
| Equity capital to assets | 10.6944% | 3,473 |
| Core capital (leverage) ratio | 10.5466% | 2,814 |
| Tier 1 risk-based capital ratio | 15.7526% | 3,250 |
| Total risk-based capital ratio | 17.0089% | 3,205 |
| Memoranda: | ||
| Average total assets | $60,760,000 | 6,064 |
| Average earning assets | $58,645,500 | 5,952 |
| Average equity | $6,689,500 | 6,004 |
| Average total loans | $43,109,750 | 5,599 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 4,906 |
| Cost of funding earning assets | 0.8365% | 5,152 |
| Net interest margin | 3.7787% | 3,896 |
| Noninterest income to average assets | 0.1110% | 6,779 |
| Noninterest expense to average assets | 6.3103% | 174 |
| Loan and lease loss provision to assets | 0.3918% | 2,456 |
| Net operating income to assets | -2.9575% | 7,306 |
| Return on assets (ROA) | -2.9575% | 7,310 |
| Pretax return on assets | -2.9575% | 7,303 |
| Return on Equity (ROE) | -26.5553% | 7,212 |
| Retained earnings to average equity (ytd only) | -26.5553% | 7,203 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.5185% | 102 |
| Assets per employee ($millions) | 3.8263% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 2,794 |
| Loan loss allowance to noncurrent loans | 48.8232% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 2.5474% | 2,627 |
| Noncurrent loans to loans | 3.8124% | 1,829 |
| Net loans and leases to total assets | 65.5757% | 3,120 |
| Net loans and leases to deposits | 74.7389% | 3,687 |
| Net loans and leases to core deposits | 83.9698% | 3,215 |
| Total domestic deposits to total assets | 87.7396% | 2,320 |
| Equity capital to assets | 11.7623% | 2,274 |
| Core capital (leverage) ratio | 12.5398% | 1,340 |
| Tier 1 risk-based capital ratio | 17.5840% | 2,311 |
| Total risk-based capital ratio | 18.8410% | 2,276 |
| Memoranda: | ||
| Average total assets | $57,683,330 | 6,214 |
| Average earning assets | $55,469,330 | 6,103 |
| Average equity | $6,424,330 | 6,112 |
| Average total loans | $42,872,670 | 5,668 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 3,792 |
| Cost of funding earning assets | 0.9292% | 4,723 |
| Net interest margin | 3.9259% | 3,023 |
| Noninterest income to average assets | 0.1185% | 6,819 |
| Noninterest expense to average assets | 6.3480% | 176 |
| Loan and lease loss provision to assets | 0.5555% | 1,556 |
| Net operating income to assets | -3.0295% | 7,397 |
| Return on assets (ROA) | -3.0295% | 7,401 |
| Pretax return on assets | -3.0295% | 7,379 |
| Return on Equity (ROE) | -28.1535% | 7,306 |
| Retained earnings to average equity (ytd only) | -28.1535% | 7,274 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.8623% | 111 |
| Assets per employee ($millions) | 3.1058% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 2,957 |
| Loan loss allowance to noncurrent loans | 63.3005% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 2.1787% | 3,091 |
| Noncurrent loans to loans | 2.8703% | 2,625 |
| Net loans and leases to total assets | 74.5260% | 1,266 |
| Net loans and leases to deposits | 87.5991% | 1,507 |
| Net loans and leases to core deposits | 101.8780% | 1,208 |
| Total domestic deposits to total assets | 85.0762% | 3,997 |
| Equity capital to assets | 14.4140% | 904 |
| Core capital (leverage) ratio | 14.5696% | 731 |
| Tier 1 risk-based capital ratio | 19.5807% | 1,677 |
| Total risk-based capital ratio | 20.8625% | 1,642 |
| Memoranda: | ||
| Average total assets | $54,001,500 | 6,372 |
| Average earning assets | $51,656,500 | 6,283 |
| Average equity | $5,811,000 | 6,308 |
| Average total loans | $42,577,000 | 5,725 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 4,296 |
| Cost of funding earning assets | 1.1691% | 4,739 |
| Net interest margin | 3.8872% | 3,553 |
| Noninterest income to average assets | 0.1342% | 6,721 |
| Noninterest expense to average assets | 6.7212% | 174 |
| Loan and lease loss provision to assets | 1.1854% | 1,329 |
| Net operating income to assets | -4.0913% | 7,445 |
| Return on assets (ROA) | -4.0708% | 7,456 |
| Pretax return on assets | -4.0708% | 7,446 |
| Return on Equity (ROE) | -69.0353% | 7,515 |
| Retained earnings to average equity (ytd only) | -69.0353% | 7,514 |
| Net charge-offs to loans | 1.4311% | 1,551 |
| Credit loss provision to net charge-offs | 101.9231% | 4,444 |
| Earnings coverage of net charge-offs (x) | -2.4984% | 6,726 |
| Efficiency ratio | 176.1602% | 127 |
| Assets per employee ($millions) | 3.4733% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 3,469 |
| Loan loss allowance to noncurrent loans | 40.1153% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 3.3302% | 2,122 |
| Noncurrent loans to loans | 4.0613% | 1,780 |
| Net loans and leases to total assets | 80.6618% | 578 |
| Net loans and leases to deposits | 88.8156% | 1,673 |
| Net loans and leases to core deposits | 104.0275% | 1,311 |
| Total domestic deposits to total assets | 90.8194% | 682 |
| Equity capital to assets | 6.8408% | 7,163 |
| Core capital (leverage) ratio | 6.8032% | 7,107 |
| Tier 1 risk-based capital ratio | 9.1744% | 7,206 |
| Total risk-based capital ratio | 10.4346% | 7,209 |
| Memoranda: | ||
| Average total assets | $53,650,800 | 6,414 |
| Average earning assets | $50,808,000 | 6,335 |
| Average equity | $3,163,600 | 7,230 |
| Average total loans | $43,602,600 | 5,765 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2335% | 3,665 |
| Cost of funding earning assets | 1.2093% | 4,811 |
| Net interest margin | 4.0242% | 2,990 |
| Noninterest income to average assets | 0.1357% | 6,875 |
| Noninterest expense to average assets | 6.9331% | 159 |
| Loan and lease loss provision to assets | 1.1374% | 1,275 |
| Net operating income to assets | -4.1253% | 7,581 |
| Return on assets (ROA) | -4.0982% | 7,590 |
| Pretax return on assets | -4.0982% | 7,573 |
| Return on Equity (ROE) | -72.2902% | 7,641 |
| Retained earnings to average equity (ytd only) | -72.2902% | 7,640 |
| Net charge-offs to loans | 1.2870% | 1,586 |
| Credit loss provision to net charge-offs | 108.9835% | 3,904 |
| Earnings coverage of net charge-offs (x) | -2.8629% | 6,559 |
| Efficiency ratio | 175.7348% | 122 |
| Assets per employee ($millions) | 3.2029% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 3,294 |
| Loan loss allowance to noncurrent loans | 37.3258% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 3.7798% | 1,880 |
| Noncurrent loans to loans | 4.4491% | 1,630 |
| Net loans and leases to total assets | 83.5460% | 361 |
| Net loans and leases to deposits | 89.4549% | 1,795 |
| Net loans and leases to core deposits | 104.5009% | 1,442 |
| Total domestic deposits to total assets | 93.3946% | 83 |
| Equity capital to assets | 4.1154% | 7,635 |
| Core capital (leverage) ratio | 3.9797% | 7,622 |
| Tier 1 risk-based capital ratio | 5.4341% | 7,625 |
| Total risk-based capital ratio | 6.6918% | 7,627 |
| Memoranda: | ||
| Average total assets | $54,038,750 | 6,475 |
| Average earning assets | $51,156,500 | 6,398 |
| Average equity | $3,063,500 | 7,351 |
| Average total loans | $43,823,250 | 5,839 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2854% | 3,535 |
| Cost of funding earning assets | 1.2484% | 4,840 |
| Net interest margin | 4.0370% | 2,847 |
| Noninterest income to average assets | 0.1455% | 6,858 |
| Noninterest expense to average assets | 6.0142% | 225 |
| Loan and lease loss provision to assets | 0.6767% | 2,134 |
| Net operating income to assets | -2.7215% | 7,465 |
| Return on assets (ROA) | -2.6815% | 7,468 |
| Pretax return on assets | -2.6815% | 7,412 |
| Return on Equity (ROE) | -43.5879% | 7,561 |
| Retained earnings to average equity (ytd only) | -43.5879% | 7,554 |
| Net charge-offs to loans | 0.7878% | 2,273 |
| Credit loss provision to net charge-offs | 107.5145% | 3,794 |
| Earnings coverage of net charge-offs (x) | -3.2486% | 6,264 |
| Efficiency ratio | 151.5124% | 200 |
| Assets per employee ($millions) | 3.2354% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 3,743 |
| Loan loss allowance to noncurrent loans | 40.2074% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 3.1562% | 2,246 |
| Noncurrent loans to loans | 3.8167% | 2,019 |
| Net loans and leases to total assets | 81.4261% | 609 |
| Net loans and leases to deposits | 90.6544% | 1,748 |
| Net loans and leases to core deposits | 104.7038% | 1,568 |
| Total domestic deposits to total assets | 89.8204% | 1,008 |
| Equity capital to assets | 5.5434% | 7,588 |
| Core capital (leverage) ratio | 5.4474% | 7,559 |
| Tier 1 risk-based capital ratio | 7.5238% | 7,558 |
| Total risk-based capital ratio | 8.7798% | 7,564 |
| Memoranda: | ||
| Average total assets | $54,969,670 | 6,493 |
| Average earning assets | $52,068,330 | 6,407 |
| Average equity | $3,381,670 | 7,300 |
| Average total loans | $43,918,670 | 5,870 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 3,147 |
| Cost of funding earning assets | 1.3388% | 4,570 |
| Net interest margin | 4.0395% | 2,702 |
| Noninterest income to average assets | 0.1456% | 6,934 |
| Noninterest expense to average assets | 6.0342% | 219 |
| Loan and lease loss provision to assets | 0.7570% | 1,680 |
| Net operating income to assets | -2.8024% | 7,611 |
| Return on assets (ROA) | -2.8024% | 7,613 |
| Pretax return on assets | -2.8024% | 7,569 |
| Return on Equity (ROE) | -43.4047% | 7,671 |
| Retained earnings to average equity (ytd only) | -43.4047% | 7,658 |
| Net charge-offs to loans | 1.6042% | 1,087 |
| Credit loss provision to net charge-offs | 60.1156% | 4,295 |
| Earnings coverage of net charge-offs (x) | -1.6243% | 5,440 |
| Efficiency ratio | 151.2774% | 205 |
| Assets per employee ($millions) | 3.0978% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 4,786 |
| Loan loss allowance to noncurrent loans | 35.4839% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 3.1133% | 2,297 |
| Noncurrent loans to loans | 3.7430% | 2,124 |
| Net loans and leases to total assets | 82.0717% | 589 |
| Net loans and leases to deposits | 92.7054% | 1,511 |
| Net loans and leases to core deposits | 113.0254% | 1,092 |
| Total domestic deposits to total assets | 88.5296% | 1,774 |
| Equity capital to assets | 6.1172% | 7,608 |
| Core capital (leverage) ratio | 6.1545% | 7,556 |
| Tier 1 risk-based capital ratio | 8.3205% | 7,577 |
| Total risk-based capital ratio | 9.5736% | 7,591 |
| Memoranda: | ||
| Average total assets | $54,953,500 | 6,571 |
| Average earning assets | $52,284,000 | 6,467 |
| Average equity | $3,548,000 | 7,330 |
| Average total loans | $43,136,000 | 5,975 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 6,695 |
| Cost of funding earning assets | 1.5904% | 5,075 |
| Net interest margin | 3.3166% | 5,675 |
| Noninterest income to average assets | 0.1568% | 6,949 |
| Noninterest expense to average assets | 7.4590% | 175 |
| Loan and lease loss provision to assets | 0.5600% | 3,576 |
| Net operating income to assets | -4.7169% | 7,703 |
| Return on assets (ROA) | -4.1065% | 7,624 |
| Pretax return on assets | -4.1065% | 7,558 |
| Return on Equity (ROE) | -47.7679% | 7,661 |
| Retained earnings to average equity (ytd only) | -47.7679% | 7,654 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 225.8903% | 106 |
| Assets per employee ($millions) | 2.8498% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 2,842 |
| Loan loss allowance to noncurrent loans | 35.9015% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 3.5238% | 1,902 |
| Noncurrent loans to loans | 4.7829% | 1,448 |
| Net loans and leases to total assets | 72.4098% | 2,663 |
| Net loans and leases to deposits | 78.0068% | 4,371 |
| Net loans and leases to core deposits | 123.1995% | 1,699 |
| Total domestic deposits to total assets | 92.8250% | 147 |
| Equity capital to assets | 6.8057% | 7,462 |
| Core capital (leverage) ratio | 6.9767% | 7,258 |
| Tier 1 risk-based capital ratio | 8.9233% | 7,504 |
| Total risk-based capital ratio | 10.1771% | 7,519 |
| Memoranda: | ||
| Average total assets | $53,573,200 | 6,574 |
| Average earning assets | $50,805,400 | 6,502 |
| Average equity | $4,605,600 | 7,079 |
| Average total loans | $32,636,800 | 6,487 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 7,155 |
| Cost of funding earning assets | 1.6459% | 5,181 |
| Net interest margin | 3.1313% | 6,227 |
| Noninterest income to average assets | 0.1622% | 7,040 |
| Noninterest expense to average assets | 7.6609% | 166 |
| Loan and lease loss provision to assets | 0.5615% | 3,143 |
| Net operating income to assets | -5.0931% | 7,851 |
| Return on assets (ROA) | -4.4543% | 7,794 |
| Pretax return on assets | -4.4543% | 7,747 |
| Return on Equity (ROE) | -49.2155% | 7,826 |
| Retained earnings to average equity (ytd only) | -49.2155% | 7,823 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 244.8166% | 88 |
| Assets per employee ($millions) | 2.7715% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 2,761 |
| Loan loss allowance to noncurrent loans | 30.6533% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 3.5901% | 1,836 |
| Noncurrent loans to loans | 5.4215% | 1,155 |
| Net loans and leases to total assets | 65.1200% | 4,624 |
| Net loans and leases to deposits | 70.8974% | 5,802 |
| Net loans and leases to core deposits | 107.2721% | 3,563 |
| Total domestic deposits to total assets | 91.8510% | 197 |
| Equity capital to assets | 7.6709% | 7,172 |
| Core capital (leverage) ratio | 7.3361% | 7,154 |
| Tier 1 risk-based capital ratio | 10.3367% | 6,638 |
| Total risk-based capital ratio | 11.5913% | 6,575 |
| Memoranda: | ||
| Average total assets | $53,430,000 | 6,624 |
| Average earning assets | $50,628,000 | 6,554 |
| Average equity | $4,835,750 | 7,066 |
| Average total loans | $30,823,000 | 6,637 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 7,655 |
| Cost of funding earning assets | 1.6984% | 5,278 |
| Net interest margin | 2.7665% | 7,075 |
| Noninterest income to average assets | 0.2767% | 6,283 |
| Noninterest expense to average assets | 7.9449% | 163 |
| Loan and lease loss provision to assets | 0.5686% | 2,743 |
| Net operating income to assets | -5.6251% | 7,983 |
| Return on assets (ROA) | -5.6251% | 7,975 |
| Pretax return on assets | -5.6251% | 7,930 |
| Return on Equity (ROE) | -59.0021% | 7,967 |
| Retained earnings to average equity (ytd only) | -59.0021% | 7,963 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 275.0656% | 94 |
| Assets per employee ($millions) | 2.8701% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 2,715 |
| Loan loss allowance to noncurrent loans | 26.8844% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 3.3016% | 1,885 |
| Noncurrent loans to loans | 5.9695% | 917 |
| Net loans and leases to total assets | 54.4207% | 6,395 |
| Net loans and leases to deposits | 58.9469% | 6,967 |
| Net loans and leases to core deposits | 84.2629% | 6,072 |
| Total domestic deposits to total assets | 92.3216% | 167 |
| Equity capital to assets | 7.3549% | 7,380 |
| Core capital (leverage) ratio | 7.3358% | 7,204 |
| Tier 1 risk-based capital ratio | 10.0526% | 6,869 |
| Total risk-based capital ratio | 11.3040% | 6,789 |
| Memoranda: | ||
| Average total assets | $52,763,330 | 6,709 |
| Average earning assets | $49,810,330 | 6,637 |
| Average equity | $5,030,330 | 7,050 |
| Average total loans | $28,862,000 | 6,799 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 7,528 |
| Cost of funding earning assets | 1.7587% | 5,320 |
| Net interest margin | 2.9253% | 6,685 |
| Noninterest income to average assets | 0.5387% | 4,002 |
| Noninterest expense to average assets | 9.9738% | 117 |
| Loan and lease loss provision to assets | 0.6121% | 2,056 |
| Net operating income to assets | -7.3049% | 8,128 |
| Return on assets (ROA) | -7.3049% | 8,118 |
| Pretax return on assets | -7.3049% | 8,089 |
| Return on Equity (ROE) | -67.1796% | 8,105 |
| Retained earnings to average equity (ytd only) | -67.1796% | 8,092 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 303.9801% | 81 |
| Assets per employee ($millions) | 2.5326% | 7,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 2,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 48.8465% | 6,956 |
| Net loans and leases to deposits | 54.0869% | 7,281 |
| Net loans and leases to core deposits | 84.6966% | 6,008 |
| Total domestic deposits to total assets | 90.3112% | 670 |
| Equity capital to assets | 9.1962% | 5,091 |
| Core capital (leverage) ratio | 9.7342% | 3,704 |
| Tier 1 risk-based capital ratio | 13.2703% | 4,010 |
| Total risk-based capital ratio | 14.5200% | 3,929 |
| Memoranda: | ||
| Average total assets | $49,008,500 | 6,905 |
| Average earning assets | $45,944,000 | 6,840 |
| Average equity | $5,329,000 | 6,993 |
| Average total loans | $26,625,000 | 6,968 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6230% | 8,001 |
| Cost of funding earning assets | 1.9403% | 6,612 |
| Net interest margin | 2.6828% | 7,531 |
| Noninterest income to average assets | 0.0461% | 7,911 |
| Noninterest expense to average assets | 8.0532% | 218 |
| Loan and lease loss provision to assets | 0.3644% | 3,503 |
| Net operating income to assets | -5.8289% | 8,143 |
| Return on assets (ROA) | -5.8372% | 8,134 |
| Pretax return on assets | -5.8372% | 8,092 |
| Return on Equity (ROE) | -38.7632% | 8,067 |
| Retained earnings to average equity (ytd only) | -38.7632% | 8,033 |
| Net charge-offs to loans | -0.0366% | 7,995 |
| Credit loss provision to net charge-offs | -2,175.0000% | 7,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 311.0841% | 96 |
| Assets per employee ($millions) | 2.3596% | 7,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 2,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.9445% | 6,065 |
| Net loans and leases to deposits | 70.1588% | 6,263 |
| Net loans and leases to core deposits | 119.6234% | 2,729 |
| Total domestic deposits to total assets | 84.0159% | 3,313 |
| Equity capital to assets | 12.8636% | 1,843 |
| Core capital (leverage) ratio | 12.7122% | 1,657 |
| Tier 1 risk-based capital ratio | 17.4625% | 2,186 |
| Total risk-based capital ratio | 18.6516% | 2,145 |
| Memoranda: | ||
| Average total assets | $47,745,200 | 6,870 |
| Average earning assets | $45,251,800 | 6,803 |
| Average equity | $7,189,800 | 6,388 |
| Average total loans | $21,868,800 | 7,202 |