Home > Town Center Bank > Performance and Condition Ratios
Town Center Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6199% | 1,014 |
| Cost of funding earning assets | 1.0611% | 3,169 |
| Net interest margin | 4.5588% | 559 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 3.1190% | 932 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 0.7919% | 2,896 |
| Return on assets (ROA) | 0.7919% | 2,874 |
| Pretax return on assets | 1.1308% | 2,319 |
| Return on Equity (ROE) | 6.5300% | 3,409 |
| Retained earnings to average equity (ytd only) | 6.5286% | 2,050 |
| Net charge-offs to loans | 0.1941% | 554 |
| Credit loss provision to net charge-offs | 164.9485% | 1,382 |
| Earnings coverage of net charge-offs (x) | 9.4742% | 2,292 |
| Efficiency ratio | 69.4938% | 1,957 |
| Assets per employee ($millions) | 5.6768% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,323 |
| Loan loss allowance to noncurrent loans | 6,515.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 3,671 |
| Noncurrent loans to loans | 0.0184% | 3,613 |
| Net loans and leases to total assets | 72.9400% | 1,481 |
| Net loans and leases to deposits | 98.1161% | 645 |
| Net loans and leases to core deposits | 112.1829% | 880 |
| Total domestic deposits to total assets | 74.3400% | 4,081 |
| Equity capital to assets | 11.4792% | 1,293 |
| Core capital (leverage) ratio | 11.6338% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0658% | 1,846 |
| Memoranda: | ||
| Average total assets | $134,240,800 | 3,512 |
| Average earning assets | $127,227,400 | 3,470 |
| Average equity | $16,282,200 | 3,158 |
| Average total loans | $99,925,600 | 3,176 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5208% | 983 |
| Cost of funding earning assets | 0.9092% | 3,249 |
| Net interest margin | 4.6117% | 514 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 3.1595% | 861 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 0.7547% | 3,150 |
| Return on assets (ROA) | 0.7547% | 3,146 |
| Pretax return on assets | 1.0695% | 2,657 |
| Return on Equity (ROE) | 6.1300% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.1300% | 2,592 |
| Net charge-offs to loans | 0.2471% | 360 |
| Credit loss provision to net charge-offs | 155.8011% | 1,297 |
| Earnings coverage of net charge-offs (x) | 7.3591% | 2,239 |
| Efficiency ratio | 69.9594% | 1,785 |
| Assets per employee ($millions) | 5.2906% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 2,545 |
| Loan loss allowance to noncurrent loans | 3,872.7273% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,575 |
| Noncurrent loans to loans | 0.0301% | 3,554 |
| Net loans and leases to total assets | 78.8300% | 776 |
| Net loans and leases to deposits | 108.1072% | 242 |
| Net loans and leases to core deposits | 118.8427% | 586 |
| Total domestic deposits to total assets | 72.9200% | 4,220 |
| Equity capital to assets | 11.9145% | 1,058 |
| Core capital (leverage) ratio | 12.0207% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6377% | 2,032 |
| Memoranda: | ||
| Average total assets | $130,901,750 | 3,552 |
| Average earning assets | $123,481,250 | 3,514 |
| Average equity | $16,117,000 | 3,158 |
| Average total loans | $97,668,000 | 3,205 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3307% | 1,040 |
| Cost of funding earning assets | 0.7922% | 3,228 |
| Net interest margin | 4.5385% | 584 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 3.1333% | 862 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 0.8004% | 3,078 |
| Return on assets (ROA) | 0.8004% | 3,084 |
| Pretax return on assets | 1.0708% | 2,722 |
| Return on Equity (ROE) | 6.4300% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.4269% | 2,467 |
| Net charge-offs to loans | 0.2819% | 297 |
| Credit loss provision to net charge-offs | 117.4242% | 1,340 |
| Earnings coverage of net charge-offs (x) | 6.3939% | 2,127 |
| Efficiency ratio | 70.4895% | 1,721 |
| Assets per employee ($millions) | 6.1898% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 2,639 |
| 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 | 78.4600% | 789 |
| Net loans and leases to deposits | 106.9798% | 277 |
| Net loans and leases to core deposits | 113.5512% | 696 |
| Total domestic deposits to total assets | 73.3400% | 4,234 |
| Equity capital to assets | 12.4968% | 927 |
| Core capital (leverage) ratio | 12.1268% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8802% | 1,942 |
| Memoranda: | ||
| Average total assets | $128,684,000 | 3,584 |
| Average earning assets | $121,185,000 | 3,550 |
| Average equity | $16,026,333 | 3,185 |
| Average total loans | $93,652,000 | 3,246 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 1,406 |
| Cost of funding earning assets | 0.6416% | 3,256 |
| Net interest margin | 4.2608% | 863 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.9648% | 1,125 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.8467% | 3,033 |
| Return on assets (ROA) | 0.8467% | 2,987 |
| Pretax return on assets | 1.1497% | 2,573 |
| Return on Equity (ROE) | 6.8100% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.8101% | 2,547 |
| Net charge-offs to loans | 0.1530% | 450 |
| Credit loss provision to net charge-offs | 17.6471% | 1,379 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,644 |
| Efficiency ratio | 71.7309% | 1,558 |
| Assets per employee ($millions) | 6.0854% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,279 |
| Loan loss allowance to noncurrent loans | 2,342.8571% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,389 |
| Noncurrent loans to loans | 0.0534% | 3,358 |
| Net loans and leases to total assets | 74.3800% | 1,148 |
| Net loans and leases to deposits | 86.4773% | 1,317 |
| Net loans and leases to core deposits | 93.6745% | 1,413 |
| Total domestic deposits to total assets | 86.0100% | 2,586 |
| Equity capital to assets | 13.2777% | 698 |
| Core capital (leverage) ratio | 11.7202% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2674% | 1,553 |
| Memoranda: | ||
| Average total assets | $128,033,500 | 3,636 |
| Average earning assets | $119,694,500 | 3,611 |
| Average equity | $15,917,500 | 3,222 |
| Average total loans | $88,885,000 | 3,344 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 1,686 |
| Cost of funding earning assets | 0.2125% | 3,655 |
| Net interest margin | 3.7980% | 1,163 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 3.4498% | 512 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.1758% | 4,463 |
| Return on assets (ROA) | 0.1758% | 4,445 |
| Pretax return on assets | 0.2518% | 4,406 |
| Return on Equity (ROE) | 1.7000% | 4,413 |
| Retained earnings to average equity (ytd only) | 1.6965% | 4,047 |
| Net charge-offs to loans | -0.0097% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 92.7822% | 244 |
| Assets per employee ($millions) | 7.4644% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,617 |
| Loan loss allowance to noncurrent loans | 1,226.0417% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,076 |
| Noncurrent loans to loans | 0.1115% | 2,969 |
| Net loans and leases to total assets | 63.2000% | 2,308 |
| Net loans and leases to deposits | 72.1491% | 2,395 |
| Net loans and leases to core deposits | 75.6023% | 2,454 |
| Total domestic deposits to total assets | 87.6000% | 2,203 |
| Equity capital to assets | 11.6665% | 1,028 |
| Core capital (leverage) ratio | 10.3551% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1738% | 1,576 |
| Memoranda: | ||
| Average total assets | $151,282,600 | 3,431 |
| Average earning assets | $142,101,400 | 3,398 |
| Average equity | $15,679,800 | 3,310 |
| Average total loans | $92,798,200 | 3,251 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 1,734 |
| Cost of funding earning assets | 0.1705% | 3,622 |
| Net interest margin | 3.6391% | 1,300 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 3.7252% | 398 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | -0.2006% | 4,648 |
| Return on assets (ROA) | -0.2006% | 4,627 |
| Pretax return on assets | -0.1586% | 4,609 |
| Return on Equity (ROE) | -1.9900% | 4,619 |
| Retained earnings to average equity (ytd only) | -1.9896% | 4,490 |
| Net charge-offs to loans | 0.0169% | 1,509 |
| Credit loss provision to net charge-offs | 208.3333% | 962 |
| Earnings coverage of net charge-offs (x) | -13.3333% | 4,741 |
| Efficiency ratio | 103.8232% | 129 |
| Assets per employee ($millions) | 8.1072% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 1,839 |
| Loan loss allowance to noncurrent loans | 583.8384% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 2,709 |
| Noncurrent loans to loans | 0.2297% | 2,471 |
| Net loans and leases to total assets | 55.2000% | 2,985 |
| Net loans and leases to deposits | 61.7161% | 3,040 |
| Net loans and leases to core deposits | 64.0629% | 3,111 |
| Total domestic deposits to total assets | 89.4400% | 1,901 |
| Equity capital to assets | 9.8438% | 1,698 |
| Core capital (leverage) ratio | 8.9408% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7918% | 1,772 |
| Memoranda: | ||
| Average total assets | $155,513,500 | 3,413 |
| Average earning assets | $146,991,000 | 3,377 |
| Average equity | $15,681,000 | 3,349 |
| Average total loans | $94,474,000 | 3,241 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5178% | 2,080 |
| Cost of funding earning assets | 0.1767% | 3,221 |
| Net interest margin | 3.3411% | 1,787 |
| Noninterest income to average assets | 0.1551% | 4,240 |
| Noninterest expense to average assets | 4.1909% | 251 |
| Loan and lease loss provision to assets | 0.0321% | 2,013 |
| Net operating income to assets | -0.9551% | 4,717 |
| Return on assets (ROA) | -0.9551% | 4,711 |
| Pretax return on assets | -0.8923% | 4,697 |
| Return on Equity (ROE) | -9.3985% | 4,721 |
| Retained earnings to average equity (ytd only) | -9.3985% | 4,649 |
| Net charge-offs to loans | 0.0288% | 1,152 |
| Credit loss provision to net charge-offs | 178.5714% | 1,019 |
| Earnings coverage of net charge-offs (x) | -47.9286% | 2,144 |
| Efficiency ratio | 125.8276% | 65 |
| Assets per employee ($millions) | 7.1272% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,019 |
| Loan loss allowance to noncurrent loans | 212.5230% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 1,616 |
| Noncurrent loans to loans | 0.6288% | 1,348 |
| Net loans and leases to total assets | 54.3415% | 2,924 |
| Net loans and leases to deposits | 60.5684% | 3,016 |
| Net loans and leases to core deposits | 63.3184% | 3,015 |
| Total domestic deposits to total assets | 89.7193% | 1,839 |
| Equity capital to assets | 9.5237% | 1,998 |
| Core capital (leverage) ratio | 8.4215% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3552% | 1,612 |
| Memoranda: | ||
| Average total assets | $156,006,000 | 3,451 |
| Average earning assets | $148,276,333 | 3,411 |
| Average equity | $15,853,667 | 3,416 |
| Average total loans | $97,236,667 | 3,227 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5155% | 1,759 |
| Cost of funding earning assets | 0.1897% | 2,953 |
| Net interest margin | 3.3258% | 1,510 |
| Noninterest income to average assets | 0.1465% | 4,279 |
| Noninterest expense to average assets | 2.6811% | 1,406 |
| Loan and lease loss provision to assets | 0.0386% | 1,670 |
| Net operating income to assets | 0.4061% | 3,939 |
| Return on assets (ROA) | 0.4061% | 3,903 |
| Pretax return on assets | 0.5809% | 3,687 |
| Return on Equity (ROE) | 3.8740% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.8740% | 2,982 |
| Net charge-offs to loans | -0.0078% | 3,495 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2305% | 1,053 |
| Assets per employee ($millions) | 8.9928% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 2,989 |
| Loan loss allowance to noncurrent loans | 213.6280% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 1,768 |
| Noncurrent loans to loans | 0.5495% | 1,665 |
| Net loans and leases to total assets | 60.3299% | 2,030 |
| Net loans and leases to deposits | 69.9983% | 1,966 |
| Net loans and leases to core deposits | 73.4753% | 1,980 |
| Total domestic deposits to total assets | 86.1877% | 3,199 |
| Equity capital to assets | 9.9728% | 1,909 |
| Core capital (leverage) ratio | 9.2648% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7644% | 1,890 |
| Memoranda: | ||
| Average total assets | $155,609,500 | 3,467 |
| Average earning assets | $147,573,000 | 3,431 |
| Average equity | $16,314,000 | 3,446 |
| Average total loans | $102,674,500 | 3,150 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 632 |
| Cost of funding earning assets | 0.2729% | 2,677 |
| Net interest margin | 4.1913% | 495 |
| Noninterest income to average assets | 0.2247% | 4,030 |
| Noninterest expense to average assets | 2.7807% | 1,407 |
| Loan and lease loss provision to assets | 0.0423% | 2,204 |
| Net operating income to assets | 1.0474% | 2,488 |
| Return on assets (ROA) | 1.0474% | 2,565 |
| Pretax return on assets | 1.4636% | 1,841 |
| Return on Equity (ROE) | 10.1597% | 2,473 |
| Retained earnings to average equity (ytd only) | 10.1597% | 878 |
| Net charge-offs to loans | 0.0500% | 1,315 |
| Credit loss provision to net charge-offs | 116.0714% | 1,672 |
| Earnings coverage of net charge-offs (x) | 41.2857% | 1,419 |
| Efficiency ratio | 64.8686% | 2,424 |
| Assets per employee ($millions) | 7.8509% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.6524% | 968 |
| Net loans and leases to deposits | 83.9132% | 908 |
| Net loans and leases to core deposits | 88.6920% | 1,037 |
| Total domestic deposits to total assets | 84.1969% | 3,508 |
| Equity capital to assets | 11.0514% | 1,759 |
| Core capital (leverage) ratio | 10.0752% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1417% | 1,469 |
| Memoranda: | ||
| Average total assets | $153,522,200 | 3,453 |
| Average earning assets | $148,784,000 | 3,390 |
| Average equity | $15,827,200 | 3,557 |
| Average total loans | $112,051,600 | 3,046 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5034% | 672 |
| Cost of funding earning assets | 0.2965% | 2,626 |
| Net interest margin | 4.2068% | 538 |
| Noninterest income to average assets | 0.2052% | 4,173 |
| Noninterest expense to average assets | 2.7880% | 1,371 |
| Loan and lease loss provision to assets | 0.0433% | 2,129 |
| Net operating income to assets | 1.0417% | 2,763 |
| Return on assets (ROA) | 1.0417% | 2,828 |
| Pretax return on assets | 1.4479% | 2,158 |
| Return on Equity (ROE) | 10.2832% | 2,632 |
| Retained earnings to average equity (ytd only) | 10.2832% | 1,234 |
| Net charge-offs to loans | -0.0035% | 3,340 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1552% | 2,225 |
| Assets per employee ($millions) | 7.6416% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,537 |
| Loan loss allowance to noncurrent loans | 48.8076% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.5913% | 303 |
| Noncurrent loans to loans | 2.2110% | 376 |
| Net loans and leases to total assets | 71.1952% | 961 |
| Net loans and leases to deposits | 91.0612% | 544 |
| Net loans and leases to core deposits | 95.7640% | 759 |
| Total domestic deposits to total assets | 78.1839% | 4,404 |
| Equity capital to assets | 10.6156% | 2,349 |
| Core capital (leverage) ratio | 10.1159% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6777% | 1,732 |
| Memoranda: | ||
| Average total assets | $154,611,000 | 3,478 |
| Average earning assets | $149,720,500 | 3,418 |
| Average equity | $15,662,750 | 3,612 |
| Average total loans | $113,431,250 | 3,060 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 1,227 |
| Cost of funding earning assets | 0.3193% | 2,592 |
| Net interest margin | 3.8554% | 1,056 |
| Noninterest income to average assets | 0.1817% | 4,294 |
| Noninterest expense to average assets | 2.7061% | 1,576 |
| Loan and lease loss provision to assets | 0.0451% | 2,111 |
| Net operating income to assets | 0.8402% | 3,398 |
| Return on assets (ROA) | 0.8402% | 3,470 |
| Pretax return on assets | 1.1649% | 3,011 |
| Return on Equity (ROE) | 8.4261% | 3,278 |
| Retained earnings to average equity (ytd only) | 8.4261% | 1,922 |
| Net charge-offs to loans | -0.0035% | 3,326 |
| Credit loss provision to net charge-offs | -1,750.0000% | 3,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1017% | 1,745 |
| Assets per employee ($millions) | 8.4512% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,719 |
| Loan loss allowance to noncurrent loans | 47.5051% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.6204% | 325 |
| Noncurrent loans to loans | 2.1681% | 416 |
| Net loans and leases to total assets | 73.9689% | 758 |
| Net loans and leases to deposits | 97.4217% | 337 |
| Net loans and leases to core deposits | 102.6286% | 577 |
| Total domestic deposits to total assets | 75.9266% | 4,562 |
| Equity capital to assets | 10.3371% | 2,550 |
| Core capital (leverage) ratio | 9.6231% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4211% | 1,496 |
| Memoranda: | ||
| Average total assets | $155,204,000 | 3,479 |
| Average earning assets | $150,334,000 | 3,412 |
| Average equity | $15,475,667 | 3,634 |
| Average total loans | $114,576,333 | 3,060 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 1,295 |
| Cost of funding earning assets | 0.3423% | 2,594 |
| Net interest margin | 3.8020% | 1,134 |
| Noninterest income to average assets | 0.1939% | 4,224 |
| Noninterest expense to average assets | 2.5289% | 2,088 |
| Loan and lease loss provision to assets | 0.0510% | 2,084 |
| Net operating income to assets | 0.9314% | 3,044 |
| Return on assets (ROA) | 0.9314% | 3,120 |
| Pretax return on assets | 1.2989% | 2,575 |
| Return on Equity (ROE) | 9.5108% | 2,851 |
| Retained earnings to average equity (ytd only) | 9.5108% | 1,796 |
| Net charge-offs to loans | -0.0035% | 3,263 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1974% | 2,337 |
| Assets per employee ($millions) | 9.8388% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 3,972 |
| Loan loss allowance to noncurrent loans | 46.0710% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.5926% | 374 |
| Noncurrent loans to loans | 2.1002% | 492 |
| Net loans and leases to total assets | 75.0953% | 708 |
| Net loans and leases to deposits | 100.6573% | 271 |
| Net loans and leases to core deposits | 106.3113% | 499 |
| Total domestic deposits to total assets | 74.6049% | 4,648 |
| Equity capital to assets | 9.8342% | 2,861 |
| Core capital (leverage) ratio | 9.3329% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4810% | 1,746 |
| Memoranda: | ||
| Average total assets | $156,745,000 | 3,469 |
| Average earning assets | $151,920,500 | 3,397 |
| Average equity | $15,351,000 | 3,651 |
| Average total loans | $115,017,500 | 3,063 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 2,131 |
| Cost of funding earning assets | 0.6755% | 1,847 |
| Net interest margin | 3.5255% | 2,392 |
| Noninterest income to average assets | 0.3260% | 3,509 |
| Noninterest expense to average assets | 2.8103% | 1,915 |
| Loan and lease loss provision to assets | 0.1601% | 2,372 |
| Net operating income to assets | 0.7546% | 3,253 |
| Return on assets (ROA) | 0.7692% | 3,328 |
| Pretax return on assets | 0.7692% | 3,704 |
| Return on Equity (ROE) | 7.1408% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.1408% | 1,344 |
| Net charge-offs to loans | -0.0640% | 4,723 |
| Credit loss provision to net charge-offs | -333.3333% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4444% | 1,294 |
| Assets per employee ($millions) | 8.6888% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,780 |
| Loan loss allowance to noncurrent loans | 54.2324% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.3370% | 592 |
| Noncurrent loans to loans | 1.8895% | 635 |
| Net loans and leases to total assets | 70.0335% | 1,557 |
| Net loans and leases to deposits | 102.7515% | 293 |
| Net loans and leases to core deposits | 109.8826% | 514 |
| Total domestic deposits to total assets | 68.1582% | 4,811 |
| Equity capital to assets | 9.9419% | 3,184 |
| Core capital (leverage) ratio | 9.7713% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4417% | 2,069 |
| Memoranda: | ||
| Average total assets | $137,423,800 | 3,544 |
| Average earning assets | $132,491,000 | 3,478 |
| Average equity | $14,802,200 | 3,670 |
| Average total loans | $103,164,000 | 3,192 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 2,638 |
| Cost of funding earning assets | 0.7470% | 1,762 |
| Net interest margin | 3.3690% | 3,002 |
| Noninterest income to average assets | 0.3326% | 3,491 |
| Noninterest expense to average assets | 2.8077% | 1,948 |
| Loan and lease loss provision to assets | 0.1605% | 2,393 |
| Net operating income to assets | 0.6090% | 3,734 |
| Return on assets (ROA) | 0.6291% | 3,787 |
| Pretax return on assets | 0.6291% | 4,052 |
| Return on Equity (ROE) | 5.7107% | 3,658 |
| Retained earnings to average equity (ytd only) | 5.7107% | 2,235 |
| Net charge-offs to loans | -0.0790% | 4,782 |
| Credit loss provision to net charge-offs | -266.6667% | 3,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4831% | 983 |
| Assets per employee ($millions) | 8.6498% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 4,100 |
| Loan loss allowance to noncurrent loans | 30.5691% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.2460% | 262 |
| Noncurrent loans to loans | 2.9168% | 326 |
| Net loans and leases to total assets | 76.3155% | 1,052 |
| Net loans and leases to deposits | 121.9477% | 97 |
| Net loans and leases to core deposits | 133.2791% | 202 |
| Total domestic deposits to total assets | 62.5805% | 4,907 |
| Equity capital to assets | 9.7516% | 3,477 |
| Core capital (leverage) ratio | 9.7136% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1333% | 2,140 |
| Memoranda: | ||
| Average total assets | $132,680,250 | 3,582 |
| Average earning assets | $127,791,000 | 3,518 |
| Average equity | $14,615,500 | 3,688 |
| Average total loans | $101,288,750 | 3,221 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,529 |
| Cost of funding earning assets | 0.8189% | 1,739 |
| Net interest margin | 3.4586% | 2,923 |
| Noninterest income to average assets | 0.3040% | 3,643 |
| Noninterest expense to average assets | 2.8782% | 1,886 |
| Loan and lease loss provision to assets | 0.1600% | 2,401 |
| Net operating income to assets | 0.5904% | 3,772 |
| Return on assets (ROA) | 0.6224% | 3,743 |
| Pretax return on assets | 0.6224% | 4,016 |
| Return on Equity (ROE) | 5.3929% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.3929% | 2,311 |
| Net charge-offs to loans | 0.0168% | 2,394 |
| Credit loss provision to net charge-offs | 1,250.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 58.6250% | 980 |
| Efficiency ratio | 79.3210% | 938 |
| Assets per employee ($millions) | 9.4621% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 4,380 |
| Loan loss allowance to noncurrent loans | 48.5052% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 907 |
| Noncurrent loans to loans | 1.6150% | 911 |
| Net loans and leases to total assets | 74.0942% | 1,400 |
| Net loans and leases to deposits | 119.0921% | 102 |
| Net loans and leases to core deposits | 129.8411% | 259 |
| Total domestic deposits to total assets | 62.2159% | 4,937 |
| Equity capital to assets | 9.2791% | 3,852 |
| Core capital (leverage) ratio | 9.7187% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8082% | 2,262 |
| Memoranda: | ||
| Average total assets | $125,008,000 | 3,665 |
| Average earning assets | $120,165,000 | 3,599 |
| Average equity | $14,426,333 | 3,712 |
| Average total loans | $95,088,333 | 3,315 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 1,830 |
| Cost of funding earning assets | 1.0007% | 1,419 |
| Net interest margin | 3.6549% | 2,492 |
| Noninterest income to average assets | 0.3735% | 3,273 |
| Noninterest expense to average assets | 3.4253% | 1,037 |
| Loan and lease loss provision to assets | 0.1494% | 1,900 |
| Net operating income to assets | 0.2914% | 4,364 |
| Return on assets (ROA) | 0.2914% | 4,388 |
| Pretax return on assets | 0.2914% | 4,468 |
| Return on Equity (ROE) | 2.2008% | 4,406 |
| Retained earnings to average equity (ytd only) | 2.2008% | 3,370 |
| Net charge-offs to loans | 0.0630% | 1,383 |
| Credit loss provision to net charge-offs | 307.6923% | 1,157 |
| Earnings coverage of net charge-offs (x) | 9.0769% | 1,837 |
| Efficiency ratio | 88.5990% | 555 |
| Assets per employee ($millions) | 4.4720% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,476 |
| Loan loss allowance to noncurrent loans | 36.5304% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 2.2343% | 336 |
| Noncurrent loans to loans | 2.8560% | 387 |
| Net loans and leases to total assets | 77.4157% | 1,065 |
| Net loans and leases to deposits | 97.1074% | 809 |
| Net loans and leases to core deposits | 107.8673% | 949 |
| Total domestic deposits to total assets | 79.7218% | 3,905 |
| Equity capital to assets | 13.1728% | 1,353 |
| Core capital (leverage) ratio | 10.6556% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0012% | 3,101 |
| Memoranda: | ||
| Average total assets | $107,084,000 | 3,883 |
| Average earning assets | $102,328,500 | 3,846 |
| Average equity | $14,176,500 | 3,751 |
| Average total loans | $82,569,500 | 3,542 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 2,313 |
| Cost of funding earning assets | 1.0951% | 1,348 |
| Net interest margin | 3.6082% | 3,109 |
| Noninterest income to average assets | 0.4318% | 3,097 |
| Noninterest expense to average assets | 3.6398% | 816 |
| Loan and lease loss provision to assets | 0.0097% | 3,811 |
| Net operating income to assets | 2.1111% | 269 |
| Return on assets (ROA) | 2.1792% | 245 |
| Pretax return on assets | 0.3491% | 4,770 |
| Return on Equity (ROE) | 18.1088% | 332 |
| Retained earnings to average equity (ytd only) | 18.1088% | 49 |
| Net charge-offs to loans | 0.0526% | 2,361 |
| Credit loss provision to net charge-offs | 25.0000% | 3,301 |
| Earnings coverage of net charge-offs (x) | 7.4750% | 2,873 |
| Efficiency ratio | 92.6027% | 273 |
| Assets per employee ($millions) | 4.1093% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,253 |
| Loan loss allowance to noncurrent loans | 353.3333% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 3,550 |
| Noncurrent loans to loans | 0.2957% | 3,367 |
| Net loans and leases to total assets | 75.1837% | 1,553 |
| Net loans and leases to deposits | 92.2652% | 1,332 |
| Net loans and leases to core deposits | 102.8844% | 1,323 |
| Total domestic deposits to total assets | 81.4865% | 3,648 |
| Equity capital to assets | 13.3048% | 1,366 |
| Core capital (leverage) ratio | 11.0084% | 2,497 |
| Tier 1 risk-based capital ratio | 11.6923% | 4,529 |
| Total risk-based capital ratio | 12.5904% | 4,593 |
| Memoranda: | ||
| Average total assets | $102,835,800 | 3,956 |
| Average earning assets | $99,717,200 | 3,878 |
| Average equity | $12,375,200 | 3,950 |
| Average total loans | $76,063,400 | 3,665 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 2,445 |
| Cost of funding earning assets | 1.1072% | 1,322 |
| Net interest margin | 3.5840% | 3,291 |
| Noninterest income to average assets | 0.3443% | 3,667 |
| Noninterest expense to average assets | 3.6044% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2278% | 4,928 |
| Return on assets (ROA) | 0.3195% | 4,840 |
| Pretax return on assets | 0.3195% | 4,884 |
| Return on Equity (ROE) | 2.7304% | 4,811 |
| Retained earnings to average equity (ytd only) | 2.7304% | 3,999 |
| Net charge-offs to loans | 0.0535% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 5.7998% | 2,885 |
| Efficiency ratio | 94.0553% | 228 |
| Assets per employee ($millions) | 3.9058% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,141 |
| Loan loss allowance to noncurrent loans | 303.2143% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 2,239 |
| Noncurrent loans to loans | 0.3554% | 3,266 |
| Net loans and leases to total assets | 76.7555% | 1,354 |
| Net loans and leases to deposits | 90.7668% | 1,594 |
| Net loans and leases to core deposits | 102.1345% | 1,489 |
| Total domestic deposits to total assets | 84.5634% | 2,600 |
| Equity capital to assets | 12.0570% | 2,213 |
| Core capital (leverage) ratio | 10.9029% | 2,736 |
| Tier 1 risk-based capital ratio | 12.0810% | 4,378 |
| Total risk-based capital ratio | 13.0199% | 4,429 |
| Memoranda: | ||
| Average total assets | $101,834,500 | 4,015 |
| Average earning assets | $99,103,750 | 3,926 |
| Average equity | $11,915,250 | 4,050 |
| Average total loans | $74,785,500 | 3,727 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6564% | 2,494 |
| Cost of funding earning assets | 1.0774% | 1,388 |
| Net interest margin | 3.5791% | 3,342 |
| Noninterest income to average assets | 0.3179% | 3,802 |
| Noninterest expense to average assets | 3.5515% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2472% | 4,940 |
| Return on assets (ROA) | 0.3473% | 4,825 |
| Pretax return on assets | 0.3473% | 4,889 |
| Return on Equity (ROE) | 2.9986% | 4,792 |
| Retained earnings to average equity (ytd only) | 2.9986% | 3,718 |
| Net charge-offs to loans | 0.0871% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.9375% | 2,782 |
| Efficiency ratio | 93.4917% | 243 |
| Assets per employee ($millions) | 4.1781% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 2,784 |
| Loan loss allowance to noncurrent loans | 302.5000% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 2,238 |
| Noncurrent loans to loans | 0.3805% | 3,164 |
| Net loans and leases to total assets | 72.5452% | 2,142 |
| Net loans and leases to deposits | 85.0986% | 2,357 |
| Net loans and leases to core deposits | 95.8028% | 2,090 |
| Total domestic deposits to total assets | 85.2484% | 2,362 |
| Equity capital to assets | 12.1248% | 2,100 |
| Core capital (leverage) ratio | 10.7867% | 2,803 |
| Tier 1 risk-based capital ratio | 12.7379% | 3,989 |
| Total risk-based capital ratio | 13.7315% | 4,024 |
| Memoranda: | ||
| Average total assets | $101,929,000 | 4,034 |
| Average earning assets | $99,132,000 | 3,941 |
| Average equity | $11,805,670 | 4,073 |
| Average total loans | $73,449,000 | 3,774 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 2,657 |
| Cost of funding earning assets | 0.9974% | 1,571 |
| Net interest margin | 3.5651% | 3,382 |
| Noninterest income to average assets | 0.2842% | 3,975 |
| Noninterest expense to average assets | 3.4528% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2958% | 4,904 |
| Return on assets (ROA) | 0.2958% | 4,908 |
| Pretax return on assets | 0.2958% | 4,964 |
| Return on Equity (ROE) | 2.6140% | 4,867 |
| Retained earnings to average equity (ytd only) | 2.6140% | 3,886 |
| Net charge-offs to loans | 0.0818% | 1,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.0667% | 2,282 |
| Efficiency ratio | 92.1080% | 322 |
| Assets per employee ($millions) | 4.2343% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,649 |
| Loan loss allowance to noncurrent loans | 144.7236% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 2,300 |
| Noncurrent loans to loans | 0.8206% | 2,004 |
| Net loans and leases to total assets | 70.7419% | 2,373 |
| Net loans and leases to deposits | 83.0014% | 2,500 |
| Net loans and leases to core deposits | 90.7885% | 2,418 |
| Total domestic deposits to total assets | 85.2297% | 2,589 |
| Equity capital to assets | 11.6922% | 2,238 |
| Core capital (leverage) ratio | 10.7893% | 2,773 |
| Tier 1 risk-based capital ratio | 12.7347% | 4,021 |
| Total risk-based capital ratio | 13.7575% | 4,036 |
| Memoranda: | ||
| Average total assets | $102,756,500 | 4,058 |
| Average earning assets | $99,858,000 | 3,972 |
| Average equity | $11,629,500 | 4,111 |
| Average total loans | $73,378,000 | 3,812 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 1,899 |
| Cost of funding earning assets | 0.7878% | 1,593 |
| Net interest margin | 3.8924% | 2,349 |
| Noninterest income to average assets | 0.3360% | 3,865 |
| Noninterest expense to average assets | 3.6923% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4595% | 4,748 |
| Return on assets (ROA) | 0.4595% | 4,748 |
| Pretax return on assets | 0.4595% | 4,856 |
| Return on Equity (ROE) | 4.6381% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.6381% | 2,969 |
| Net charge-offs to loans | -0.0028% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9322% | 391 |
| Assets per employee ($millions) | 4.8866% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 2,635 |
| Loan loss allowance to noncurrent loans | 350.1992% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 3,621 |
| Noncurrent loans to loans | 0.3392% | 3,330 |
| Net loans and leases to total assets | 71.2575% | 2,386 |
| Net loans and leases to deposits | 81.8480% | 2,755 |
| Net loans and leases to core deposits | 86.3664% | 2,884 |
| Total domestic deposits to total assets | 87.0607% | 1,762 |
| Equity capital to assets | 9.8472% | 3,817 |
| Core capital (leverage) ratio | 10.3308% | 3,221 |
| Tier 1 risk-based capital ratio | 12.4868% | 4,148 |
| Total risk-based capital ratio | 13.5145% | 4,147 |
| Memoranda: | ||
| Average total assets | $98,799,200 | 4,116 |
| Average earning assets | $96,856,400 | 4,022 |
| Average equity | $9,788,400 | 4,337 |
| Average total loans | $71,308,000 | 3,843 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 1,779 |
| Cost of funding earning assets | 0.7322% | 1,666 |
| Net interest margin | 3.9335% | 2,183 |
| Noninterest income to average assets | 0.3488% | 3,802 |
| Noninterest expense to average assets | 3.7106% | 748 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4960% | 4,768 |
| Return on assets (ROA) | 0.4960% | 4,773 |
| Pretax return on assets | 0.4960% | 4,909 |
| Return on Equity (ROE) | 4.9985% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.9985% | 3,234 |
| Net charge-offs to loans | 0.0340% | 2,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 20.2217% | 1,964 |
| Efficiency ratio | 88.2086% | 397 |
| Assets per employee ($millions) | 4.5247% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,617 |
| Loan loss allowance to noncurrent loans | 1,753.0612% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,721 |
| Noncurrent loans to loans | 0.0685% | 4,576 |
| Net loans and leases to total assets | 70.9957% | 2,491 |
| Net loans and leases to deposits | 81.5415% | 2,871 |
| Net loans and leases to core deposits | 85.0548% | 3,077 |
| Total domestic deposits to total assets | 87.0670% | 1,699 |
| Equity capital to assets | 9.7384% | 3,882 |
| Core capital (leverage) ratio | 10.6244% | 2,960 |
| Tier 1 risk-based capital ratio | 12.8948% | 3,964 |
| Total risk-based capital ratio | 13.9406% | 3,983 |
| Memoranda: | ||
| Average total assets | $97,844,500 | 4,172 |
| Average earning assets | $95,960,500 | 4,077 |
| Average equity | $9,709,250 | 4,386 |
| Average total loans | $70,634,500 | 3,896 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 1,580 |
| Cost of funding earning assets | 0.6577% | 1,884 |
| Net interest margin | 4.0112% | 1,823 |
| Noninterest income to average assets | 0.2940% | 4,214 |
| Noninterest expense to average assets | 3.6822% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5489% | 4,630 |
| Return on assets (ROA) | 0.5489% | 4,632 |
| Pretax return on assets | 0.5489% | 4,817 |
| Return on Equity (ROE) | 5.4970% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.4970% | 2,826 |
| Net charge-offs to loans | 0.0540% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 14.0526% | 2,117 |
| Efficiency ratio | 87.0262% | 520 |
| Assets per employee ($millions) | 4.4703% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,824 |
| Loan loss allowance to noncurrent loans | 1,751.0204% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 4,783 |
| Noncurrent loans to loans | 0.0675% | 4,619 |
| Net loans and leases to total assets | 72.9041% | 2,135 |
| Net loans and leases to deposits | 83.8359% | 2,552 |
| Net loans and leases to core deposits | 86.6872% | 2,851 |
| Total domestic deposits to total assets | 86.9605% | 1,857 |
| Equity capital to assets | 9.8600% | 3,763 |
| Core capital (leverage) ratio | 10.8283% | 2,674 |
| Tier 1 risk-based capital ratio | 12.5463% | 4,153 |
| Total risk-based capital ratio | 13.5739% | 4,174 |
| Memoranda: | ||
| Average total assets | $97,278,000 | 4,220 |
| Average earning assets | $95,483,000 | 4,120 |
| Average equity | $9,714,330 | 4,424 |
| Average total loans | $70,335,670 | 3,926 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 1,115 |
| Cost of funding earning assets | 0.6065% | 2,015 |
| Net interest margin | 4.1782% | 1,223 |
| Noninterest income to average assets | 0.4300% | 3,240 |
| Noninterest expense to average assets | 3.7873% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7442% | 3,923 |
| Return on assets (ROA) | 0.7442% | 3,925 |
| Pretax return on assets | 0.7442% | 4,313 |
| Return on Equity (ROE) | 7.4051% | 3,630 |
| Retained earnings to average equity (ytd only) | 7.4051% | 2,101 |
| Net charge-offs to loans | -0.0058% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5766% | 830 |
| Assets per employee ($millions) | 4.3200% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,528 |
| Loan loss allowance to noncurrent loans | 1,791.8367% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 4,840 |
| Noncurrent loans to loans | 0.0697% | 4,670 |
| Net loans and leases to total assets | 73.0763% | 2,013 |
| Net loans and leases to deposits | 84.5324% | 2,337 |
| Net loans and leases to core deposits | 87.8004% | 2,645 |
| Total domestic deposits to total assets | 86.4477% | 2,341 |
| Equity capital to assets | 10.1800% | 3,413 |
| Core capital (leverage) ratio | 10.6407% | 2,805 |
| Tier 1 risk-based capital ratio | 12.7581% | 4,085 |
| Total risk-based capital ratio | 13.8390% | 4,091 |
| Memoranda: | ||
| Average total assets | $96,743,500 | 4,273 |
| Average earning assets | $94,968,000 | 4,173 |
| Average equity | $9,723,000 | 4,465 |
| Average total loans | $69,225,000 | 3,982 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 2,669 |
| Cost of funding earning assets | 0.5201% | 2,176 |
| Net interest margin | 3.6862% | 2,849 |
| Noninterest income to average assets | 0.3312% | 4,105 |
| Noninterest expense to average assets | 3.7686% | 724 |
| Loan and lease loss provision to assets | 0.0258% | 3,781 |
| Net operating income to assets | 0.1558% | 5,185 |
| Return on assets (ROA) | 0.1558% | 5,189 |
| Pretax return on assets | 0.1558% | 5,345 |
| Return on Equity (ROE) | 1.5216% | 5,152 |
| Retained earnings to average equity (ytd only) | 1.5216% | 4,390 |
| Net charge-offs to loans | -0.0554% | 5,219 |
| Credit loss provision to net charge-offs | -71.4286% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4035% | 261 |
| Assets per employee ($millions) | 4.4749% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,281 |
| Loan loss allowance to noncurrent loans | 330.9434% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 3,811 |
| Noncurrent loans to loans | 0.3890% | 3,367 |
| Net loans and leases to total assets | 68.3041% | 2,776 |
| Net loans and leases to deposits | 78.7391% | 3,034 |
| Net loans and leases to core deposits | 81.1675% | 3,319 |
| Total domestic deposits to total assets | 86.7473% | 2,117 |
| Equity capital to assets | 9.9250% | 3,783 |
| Core capital (leverage) ratio | 10.1322% | 3,265 |
| Tier 1 risk-based capital ratio | 12.6598% | 4,111 |
| Total risk-based capital ratio | 13.7565% | 4,105 |
| Memoranda: | ||
| Average total assets | $96,932,800 | 4,295 |
| Average earning assets | $95,165,400 | 4,174 |
| Average equity | $9,923,600 | 4,463 |
| Average total loans | $63,126,400 | 4,125 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 2,884 |
| Cost of funding earning assets | 0.4949% | 2,312 |
| Net interest margin | 3.6327% | 3,032 |
| Noninterest income to average assets | 0.3383% | 4,115 |
| Noninterest expense to average assets | 3.6027% | 868 |
| Loan and lease loss provision to assets | 0.0345% | 3,428 |
| Net operating income to assets | 0.2693% | 5,270 |
| Return on assets (ROA) | 0.2693% | 5,285 |
| Pretax return on assets | 0.2693% | 5,327 |
| Return on Equity (ROE) | 2.6099% | 5,197 |
| Retained earnings to average equity (ytd only) | 2.6099% | 4,324 |
| Net charge-offs to loans | -0.0733% | 5,288 |
| Credit loss provision to net charge-offs | -73.5294% | 4,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2234% | 337 |
| Assets per employee ($millions) | 4.8028% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,595 |
| Loan loss allowance to noncurrent loans | 330.5660% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 4,017 |
| Noncurrent loans to loans | 0.3805% | 3,585 |
| Net loans and leases to total assets | 68.1823% | 2,819 |
| Net loans and leases to deposits | 80.2343% | 2,950 |
| Net loans and leases to core deposits | 82.6916% | 3,232 |
| Total domestic deposits to total assets | 84.9790% | 2,720 |
| Equity capital to assets | 10.0140% | 3,897 |
| Core capital (leverage) ratio | 10.2900% | 3,213 |
| Tier 1 risk-based capital ratio | 12.5355% | 4,297 |
| Total risk-based capital ratio | 13.6156% | 4,307 |
| Memoranda: | ||
| Average total assets | $96,554,000 | 4,339 |
| Average earning assets | $94,840,000 | 4,223 |
| Average equity | $9,961,750 | 4,498 |
| Average total loans | $61,877,750 | 4,194 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9869% | 3,251 |
| Cost of funding earning assets | 0.4518% | 2,583 |
| Net interest margin | 3.5351% | 3,277 |
| Noninterest income to average assets | 0.3322% | 4,165 |
| Noninterest expense to average assets | 3.4904% | 1,028 |
| Loan and lease loss provision to assets | 0.0526% | 2,930 |
| Net operating income to assets | 0.2607% | 5,303 |
| Return on assets (ROA) | 0.2607% | 5,323 |
| Pretax return on assets | 0.2607% | 5,380 |
| Return on Equity (ROE) | 2.5011% | 5,235 |
| Retained earnings to average equity (ytd only) | 2.5011% | 4,191 |
| Net charge-offs to loans | -0.0405% | 5,080 |
| Credit loss provision to net charge-offs | -208.3333% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7634% | 369 |
| Assets per employee ($millions) | 4.8367% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 2,315 |
| Loan loss allowance to noncurrent loans | 245.4023% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,747 |
| Noncurrent loans to loans | 0.5378% | 3,142 |
| Net loans and leases to total assets | 62.8699% | 3,524 |
| Net loans and leases to deposits | 72.2863% | 3,710 |
| Net loans and leases to core deposits | 74.4254% | 3,904 |
| Total domestic deposits to total assets | 86.9735% | 1,968 |
| Equity capital to assets | 9.9527% | 3,966 |
| Core capital (leverage) ratio | 10.7853% | 2,617 |
| Tier 1 risk-based capital ratio | 13.1782% | 3,899 |
| Total risk-based capital ratio | 14.2930% | 3,889 |
| Memoranda: | ||
| Average total assets | $95,119,000 | 4,392 |
| Average earning assets | $93,405,330 | 4,281 |
| Average equity | $9,915,670 | 4,517 |
| Average total loans | $59,289,000 | 4,283 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,070 |
| Cost of funding earning assets | 0.4345% | 2,664 |
| Net interest margin | 3.5560% | 3,056 |
| Noninterest income to average assets | 0.3134% | 4,310 |
| Noninterest expense to average assets | 3.6695% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1349% | 5,474 |
| Return on assets (ROA) | 0.1349% | 5,484 |
| Pretax return on assets | 0.1349% | 5,495 |
| Return on Equity (ROE) | 1.2629% | 5,454 |
| Retained earnings to average equity (ytd only) | 1.2629% | 4,578 |
| Net charge-offs to loans | -0.2404% | 5,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4531% | 306 |
| Assets per employee ($millions) | 4.2614% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,661 |
| Loan loss allowance to noncurrent loans | 285.5705% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,866 |
| Noncurrent loans to loans | 0.5289% | 3,227 |
| Net loans and leases to total assets | 62.0099% | 3,532 |
| Net loans and leases to deposits | 69.8259% | 3,819 |
| Net loans and leases to core deposits | 71.3806% | 4,043 |
| Total domestic deposits to total assets | 88.8064% | 1,252 |
| Equity capital to assets | 11.0595% | 2,572 |
| Core capital (leverage) ratio | 10.9620% | 2,397 |
| Tier 1 risk-based capital ratio | 14.6142% | 3,151 |
| Total risk-based capital ratio | 15.8575% | 3,084 |
| Memoranda: | ||
| Average total assets | $91,893,500 | 4,505 |
| Average earning assets | $90,213,000 | 4,392 |
| Average equity | $9,819,000 | 4,566 |
| Average total loans | $56,578,000 | 4,386 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 4,156 |
| Cost of funding earning assets | 0.5405% | 1,785 |
| Net interest margin | 3.1788% | 4,508 |
| Noninterest income to average assets | 0.3744% | 4,067 |
| Noninterest expense to average assets | 3.3549% | 1,455 |
| Loan and lease loss provision to assets | -0.5433% | 5,882 |
| Net operating income to assets | 0.6886% | 3,835 |
| Return on assets (ROA) | 0.6886% | 3,945 |
| Pretax return on assets | 0.6886% | 4,526 |
| Return on Equity (ROE) | 7.0797% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.0797% | 1,201 |
| Net charge-offs to loans | -0.0475% | 5,382 |
| Credit loss provision to net charge-offs | 1,964.2857% | 227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8510% | 318 |
| Assets per employee ($millions) | 4.4904% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 1,926 |
| Loan loss allowance to noncurrent loans | 124.1641% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 2,627 |
| Noncurrent loans to loans | 1.1582% | 1,773 |
| Net loans and leases to total assets | 59.3820% | 3,921 |
| Net loans and leases to deposits | 66.3413% | 4,218 |
| Net loans and leases to core deposits | 66.8793% | 4,474 |
| Total domestic deposits to total assets | 89.5099% | 853 |
| Equity capital to assets | 10.3300% | 3,350 |
| Core capital (leverage) ratio | 10.1750% | 3,261 |
| Tier 1 risk-based capital ratio | 14.4562% | 3,213 |
| Total risk-based capital ratio | 15.6408% | 3,174 |
| Memoranda: | ||
| Average total assets | $101,226,200 | 4,330 |
| Average earning assets | $99,533,800 | 4,217 |
| Average equity | $9,845,000 | 4,608 |
| Average total loans | $58,952,000 | 4,333 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 4,253 |
| Cost of funding earning assets | 0.5581% | 1,623 |
| Net interest margin | 3.1406% | 4,672 |
| Noninterest income to average assets | 0.3341% | 4,396 |
| Noninterest expense to average assets | 3.3294% | 1,493 |
| Loan and lease loss provision to assets | -0.7122% | 5,959 |
| Net operating income to assets | 0.8068% | 3,334 |
| Return on assets (ROA) | 0.8068% | 3,478 |
| Pretax return on assets | 0.8068% | 4,287 |
| Return on Equity (ROE) | 8.4151% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.4151% | 1,013 |
| Net charge-offs to loans | -0.0560% | 5,403 |
| Credit loss provision to net charge-offs | 2,200.0000% | 221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2390% | 280 |
| Assets per employee ($millions) | 5.0703% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 1,969 |
| Loan loss allowance to noncurrent loans | 192.4350% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 3,755 |
| Noncurrent loans to loans | 0.7546% | 2,783 |
| Net loans and leases to total assets | 54.4790% | 4,446 |
| Net loans and leases to deposits | 60.8606% | 4,694 |
| Net loans and leases to core deposits | 61.3179% | 4,871 |
| Total domestic deposits to total assets | 89.5144% | 664 |
| Equity capital to assets | 10.3061% | 3,795 |
| Core capital (leverage) ratio | 9.5231% | 4,145 |
| Tier 1 risk-based capital ratio | 14.2971% | 3,398 |
| Total risk-based capital ratio | 15.4731% | 3,372 |
| Memoranda: | ||
| Average total assets | $102,958,250 | 4,341 |
| Average earning assets | $101,294,250 | 4,212 |
| Average equity | $9,871,000 | 4,643 |
| Average total loans | $59,486,750 | 4,344 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7929% | 3,976 |
| Cost of funding earning assets | 0.5699% | 1,546 |
| Net interest margin | 3.2229% | 4,477 |
| Noninterest income to average assets | 0.3440% | 4,320 |
| Noninterest expense to average assets | 3.3341% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1798% | 5,561 |
| Return on assets (ROA) | 0.1798% | 5,615 |
| Pretax return on assets | 0.1798% | 5,642 |
| Return on Equity (ROE) | 1.9220% | 5,523 |
| Retained earnings to average equity (ytd only) | 1.9220% | 4,595 |
| Net charge-offs to loans | -0.0759% | 5,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8845% | 383 |
| Assets per employee ($millions) | 5.3994% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4171% | 400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 53.5989% | 4,548 |
| Net loans and leases to deposits | 60.7728% | 4,751 |
| Net loans and leases to core deposits | 61.0596% | 4,927 |
| Total domestic deposits to total assets | 88.1955% | 1,325 |
| Equity capital to assets | 9.6688% | 4,593 |
| Core capital (leverage) ratio | 8.9500% | 4,887 |
| Tier 1 risk-based capital ratio | 13.4444% | 3,940 |
| Total risk-based capital ratio | 14.7029% | 3,845 |
| Memoranda: | ||
| Average total assets | $103,475,670 | 4,357 |
| Average earning assets | $101,770,330 | 4,231 |
| Average equity | $9,677,670 | 4,708 |
| Average total loans | $60,629,330 | 4,321 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 3,666 |
| Cost of funding earning assets | 0.5675% | 1,563 |
| Net interest margin | 3.3112% | 4,185 |
| Noninterest income to average assets | 0.2771% | 4,740 |
| Noninterest expense to average assets | 3.2718% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2617% | 5,406 |
| Return on assets (ROA) | 0.2617% | 5,472 |
| Pretax return on assets | 0.2617% | 5,564 |
| Return on Equity (ROE) | 2.8461% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.8461% | 4,089 |
| Net charge-offs to loans | -0.1274% | 5,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5926% | 514 |
| Assets per employee ($millions) | 5.1841% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1632% | 623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.2813% | 3,877 |
| Net loans and leases to deposits | 67.0068% | 4,154 |
| Net loans and leases to core deposits | 67.7879% | 4,421 |
| Total domestic deposits to total assets | 88.4705% | 1,366 |
| Equity capital to assets | 9.4510% | 4,718 |
| Core capital (leverage) ratio | 8.8184% | 5,060 |
| Tier 1 risk-based capital ratio | 12.3552% | 4,692 |
| Total risk-based capital ratio | 13.6116% | 4,580 |
| Memoranda: | ||
| Average total assets | $103,919,500 | 4,388 |
| Average earning assets | $102,199,500 | 4,249 |
| Average equity | $9,557,000 | 4,749 |
| Average total loans | $62,770,000 | 4,292 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5794% | 4,726 |
| Cost of funding earning assets | 0.5820% | 1,483 |
| Net interest margin | 2.9974% | 5,143 |
| Noninterest income to average assets | 0.2877% | 4,833 |
| Noninterest expense to average assets | 3.2372% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0244% | 5,881 |
| Return on assets (ROA) | 0.0712% | 5,828 |
| Pretax return on assets | 0.0712% | 5,821 |
| Return on Equity (ROE) | 0.8000% | 5,802 |
| Retained earnings to average equity (ytd only) | 0.8000% | 5,201 |
| Net charge-offs to loans | -0.1312% | 5,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7585% | 265 |
| Assets per employee ($millions) | 5.2079% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1350% | 655 |
| Loan loss allowance to noncurrent loans | 2,060.0000% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 5,402 |
| Noncurrent loans to loans | 0.1036% | 5,083 |
| Net loans and leases to total assets | 58.9283% | 3,981 |
| Net loans and leases to deposits | 66.2486% | 4,295 |
| Net loans and leases to core deposits | 67.0117% | 4,503 |
| Total domestic deposits to total assets | 88.9503% | 1,140 |
| Equity capital to assets | 8.9432% | 5,178 |
| Core capital (leverage) ratio | 8.7378% | 5,179 |
| Tier 1 risk-based capital ratio | 12.2115% | 4,822 |
| Total risk-based capital ratio | 13.4676% | 4,716 |
| Memoranda: | ||
| Average total assets | $106,696,800 | 4,321 |
| Average earning assets | $104,123,400 | 4,186 |
| Average equity | $9,500,200 | 4,749 |
| Average total loans | $60,206,800 | 4,375 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5137% | 4,951 |
| Cost of funding earning assets | 0.5852% | 1,501 |
| Net interest margin | 2.9285% | 5,359 |
| Noninterest income to average assets | 0.2919% | 4,856 |
| Noninterest expense to average assets | 3.2099% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0646% | 5,978 |
| Return on assets (ROA) | 0.0621% | 5,924 |
| Pretax return on assets | 0.0621% | 5,922 |
| Return on Equity (ROE) | 0.6984% | 5,900 |
| Retained earnings to average equity (ytd only) | 0.6984% | 5,408 |
| Net charge-offs to loans | -0.3290% | 6,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0537% | 259 |
| Assets per employee ($millions) | 5.7889% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3165% | 562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 56.9380% | 4,254 |
| Net loans and leases to deposits | 64.1843% | 4,542 |
| Net loans and leases to core deposits | 65.1048% | 4,754 |
| Total domestic deposits to total assets | 88.7103% | 1,172 |
| Equity capital to assets | 9.2062% | 5,106 |
| Core capital (leverage) ratio | 8.8672% | 5,159 |
| Tier 1 risk-based capital ratio | 12.2859% | 4,899 |
| Total risk-based capital ratio | 13.5440% | 4,789 |
| Memoranda: | ||
| Average total assets | $107,331,750 | 4,360 |
| Average earning assets | $104,578,500 | 4,226 |
| Average equity | $9,546,500 | 4,794 |
| Average total loans | $59,579,250 | 4,435 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 4,994 |
| Cost of funding earning assets | 0.5825% | 1,544 |
| Net interest margin | 2.9127% | 5,419 |
| Noninterest income to average assets | 0.3063% | 4,762 |
| Noninterest expense to average assets | 3.2664% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1273% | 6,065 |
| Return on assets (ROA) | -0.0351% | 6,047 |
| Pretax return on assets | -0.0351% | 6,040 |
| Return on Equity (ROE) | -0.3987% | 6,052 |
| Retained earnings to average equity (ytd only) | -0.3987% | 5,586 |
| Net charge-offs to loans | -0.3852% | 6,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0564% | 250 |
| Assets per employee ($millions) | 6.1861% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2506% | 680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 4,860 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 56.7457% | 4,251 |
| Net loans and leases to deposits | 63.6687% | 4,564 |
| Net loans and leases to core deposits | 64.3893% | 4,785 |
| Total domestic deposits to total assets | 89.1265% | 1,078 |
| Equity capital to assets | 8.8120% | 5,425 |
| Core capital (leverage) ratio | 8.5687% | 5,473 |
| Tier 1 risk-based capital ratio | 12.2207% | 4,981 |
| Total risk-based capital ratio | 13.4776% | 4,882 |
| Memoranda: | ||
| Average total assets | $108,375,330 | 4,372 |
| Average earning assets | $105,400,000 | 4,233 |
| Average equity | $9,531,000 | 4,837 |
| Average total loans | $59,193,330 | 4,487 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 4,994 |
| Cost of funding earning assets | 0.5781% | 1,593 |
| Net interest margin | 2.9132% | 5,425 |
| Noninterest income to average assets | 0.3055% | 4,746 |
| Noninterest expense to average assets | 3.2551% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1273% | 6,115 |
| Return on assets (ROA) | -0.1273% | 6,140 |
| Pretax return on assets | -0.1273% | 6,130 |
| Return on Equity (ROE) | -1.4488% | 6,150 |
| Retained earnings to average equity (ytd only) | -1.4488% | 5,610 |
| Net charge-offs to loans | 0.3295% | 734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.7292% | 3,157 |
| Efficiency ratio | 104.0698% | 270 |
| Assets per employee ($millions) | 6.4404% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0729% | 958 |
| Loan loss allowance to noncurrent loans | 368.3891% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 3,866 |
| Noncurrent loans to loans | 0.5627% | 3,899 |
| Net loans and leases to total assets | 52.2962% | 4,637 |
| Net loans and leases to deposits | 58.7510% | 4,857 |
| Net loans and leases to core deposits | 59.5453% | 5,026 |
| Total domestic deposits to total assets | 89.0132% | 1,261 |
| Equity capital to assets | 8.9655% | 5,334 |
| Core capital (leverage) ratio | 8.4798% | 5,540 |
| Tier 1 risk-based capital ratio | 13.1664% | 4,521 |
| Total risk-based capital ratio | 14.4222% | 4,426 |
| Memoranda: | ||
| Average total assets | $109,981,000 | 4,369 |
| Average earning assets | $106,548,000 | 4,245 |
| Average equity | $9,663,000 | 4,854 |
| Average total loans | $58,265,000 | 4,534 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 4,146 |
| Cost of funding earning assets | 0.6003% | 1,758 |
| Net interest margin | 3.2920% | 4,607 |
| Noninterest income to average assets | 0.2409% | 5,399 |
| Noninterest expense to average assets | 3.4770% | 1,535 |
| Loan and lease loss provision to assets | -0.2283% | 6,317 |
| Net operating income to assets | 0.1490% | 5,880 |
| Return on assets (ROA) | 0.3638% | 5,414 |
| Pretax return on assets | 0.3638% | 5,576 |
| Return on Equity (ROE) | 4.1523% | 5,049 |
| Retained earnings to average equity (ytd only) | 4.1523% | 3,240 |
| Net charge-offs to loans | 0.8579% | 390 |
| Credit loss provision to net charge-offs | -44.4444% | 5,408 |
| Earnings coverage of net charge-offs (x) | -0.1544% | 4,728 |
| Efficiency ratio | 102.3349% | 322 |
| Assets per employee ($millions) | 6.1376% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1701% | 859 |
| Loan loss allowance to noncurrent loans | 308.8235% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 3,762 |
| Noncurrent loans to loans | 0.7027% | 3,572 |
| Net loans and leases to total assets | 51.4148% | 4,838 |
| Net loans and leases to deposits | 58.7984% | 4,999 |
| Net loans and leases to core deposits | 59.5986% | 5,166 |
| Total domestic deposits to total assets | 87.4425% | 2,063 |
| Equity capital to assets | 8.6082% | 5,640 |
| Core capital (leverage) ratio | 8.4307% | 5,632 |
| Tier 1 risk-based capital ratio | 13.5518% | 4,384 |
| Total risk-based capital ratio | 14.8085% | 4,310 |
| Memoranda: | ||
| Average total assets | $103,365,200 | 4,520 |
| Average earning assets | $99,118,400 | 4,419 |
| Average equity | $9,055,200 | 4,962 |
| Average total loans | $61,894,600 | 4,432 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 4,003 |
| Cost of funding earning assets | 0.5960% | 1,873 |
| Net interest margin | 3.3463% | 4,443 |
| Noninterest income to average assets | 0.2559% | 5,388 |
| Noninterest expense to average assets | 3.2746% | 1,959 |
| Loan and lease loss provision to assets | -0.0433% | 6,165 |
| Net operating income to assets | 0.2152% | 5,819 |
| Return on assets (ROA) | 0.3832% | 5,388 |
| Pretax return on assets | 0.3832% | 5,613 |
| Return on Equity (ROE) | 4.3541% | 5,020 |
| Retained earnings to average equity (ytd only) | 4.3541% | 3,558 |
| Net charge-offs to loans | 0.1994% | 1,867 |
| Credit loss provision to net charge-offs | -35.1064% | 5,314 |
| Earnings coverage of net charge-offs (x) | 1.3936% | 4,167 |
| Efficiency ratio | 95.0114% | 545 |
| Assets per employee ($millions) | 5.9279% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8610% | 414 |
| Loan loss allowance to noncurrent loans | 78.8382% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 4.0224% | 490 |
| Noncurrent loans to loans | 3.6290% | 642 |
| Net loans and leases to total assets | 60.4575% | 3,711 |
| Net loans and leases to deposits | 67.7128% | 4,167 |
| Net loans and leases to core deposits | 68.6445% | 4,447 |
| Total domestic deposits to total assets | 89.2852% | 1,084 |
| Equity capital to assets | 8.6286% | 5,697 |
| Core capital (leverage) ratio | 8.7208% | 5,413 |
| Tier 1 risk-based capital ratio | 11.7819% | 5,623 |
| Total risk-based capital ratio | 13.0462% | 5,531 |
| Memoranda: | ||
| Average total assets | $101,587,500 | 4,615 |
| Average earning assets | $96,861,500 | 4,529 |
| Average equity | $8,941,500 | 5,024 |
| Average total loans | $62,853,000 | 4,432 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 4,251 |
| Cost of funding earning assets | 0.5877% | 2,003 |
| Net interest margin | 3.2858% | 4,644 |
| Noninterest income to average assets | 0.2223% | 5,616 |
| Noninterest expense to average assets | 3.3179% | 1,875 |
| Loan and lease loss provision to assets | -0.0661% | 6,328 |
| Net operating income to assets | 0.0941% | 6,054 |
| Return on assets (ROA) | 0.3504% | 5,475 |
| Pretax return on assets | 0.3504% | 5,675 |
| Return on Equity (ROE) | 3.9535% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.9535% | 3,666 |
| Net charge-offs to loans | 0.1946% | 1,863 |
| Credit loss provision to net charge-offs | -55.0000% | 5,181 |
| Earnings coverage of net charge-offs (x) | 0.2333% | 4,085 |
| Efficiency ratio | 99.1622% | 428 |
| Assets per employee ($millions) | 5.5865% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9631% | 395 |
| Loan loss allowance to noncurrent loans | 71.2077% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 4.1189% | 500 |
| Noncurrent loans to loans | 4.1612% | 563 |
| Net loans and leases to total assets | 59.6689% | 3,775 |
| Net loans and leases to deposits | 65.4402% | 4,326 |
| Net loans and leases to core deposits | 66.3242% | 4,609 |
| Total domestic deposits to total assets | 91.1808% | 351 |
| Equity capital to assets | 8.5799% | 5,732 |
| Core capital (leverage) ratio | 8.5816% | 5,546 |
| Tier 1 risk-based capital ratio | 11.9727% | 5,557 |
| Total risk-based capital ratio | 13.2396% | 5,479 |
| Memoranda: | ||
| Average total assets | $99,882,330 | 4,687 |
| Average earning assets | $94,953,670 | 4,615 |
| Average equity | $8,853,000 | 5,069 |
| Average total loans | $61,667,330 | 4,489 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 4,298 |
| Cost of funding earning assets | 0.5578% | 2,365 |
| Net interest margin | 3.2901% | 4,586 |
| Noninterest income to average assets | 0.1902% | 5,824 |
| Noninterest expense to average assets | 3.3405% | 1,854 |
| Loan and lease loss provision to assets | -0.0703% | 6,472 |
| Net operating income to assets | 0.0413% | 6,146 |
| Return on assets (ROA) | 0.0413% | 6,165 |
| Pretax return on assets | 0.0413% | 6,167 |
| Return on Equity (ROE) | 0.4584% | 6,152 |
| Retained earnings to average equity (ytd only) | 0.4584% | 5,397 |
| Net charge-offs to loans | 0.0535% | 2,631 |
| Credit loss provision to net charge-offs | -212.5000% | 4,974 |
| Earnings coverage of net charge-offs (x) | -0.8750% | 3,503 |
| Efficiency ratio | 100.8739% | 445 |
| Assets per employee ($millions) | 5.3613% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2590% | 340 |
| Loan loss allowance to noncurrent loans | 72.3005% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 4.4088% | 504 |
| Noncurrent loans to loans | 4.5076% | 526 |
| Net loans and leases to total assets | 58.3390% | 3,792 |
| Net loans and leases to deposits | 64.0274% | 4,311 |
| Net loans and leases to core deposits | 64.7374% | 4,618 |
| Total domestic deposits to total assets | 91.1157% | 521 |
| Equity capital to assets | 8.5908% | 5,559 |
| Core capital (leverage) ratio | 9.2097% | 4,705 |
| Tier 1 risk-based capital ratio | 12.2624% | 5,464 |
| Total risk-based capital ratio | 13.5314% | 5,388 |
| Memoranda: | ||
| Average total assets | $96,751,500 | 4,803 |
| Average earning assets | $91,789,500 | 4,732 |
| Average equity | $8,726,000 | 5,124 |
| Average total loans | $59,866,500 | 4,592 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,892 |
| Cost of funding earning assets | 0.5556% | 3,063 |
| Net interest margin | 3.5024% | 3,901 |
| Noninterest income to average assets | 0.3372% | 4,906 |
| Noninterest expense to average assets | 4.5867% | 487 |
| Loan and lease loss provision to assets | -0.6952% | 6,771 |
| Net operating income to assets | -0.2663% | 6,397 |
| Return on assets (ROA) | -0.2401% | 6,401 |
| Pretax return on assets | -0.2401% | 6,383 |
| Return on Equity (ROE) | -2.4510% | 6,397 |
| Retained earnings to average equity (ytd only) | -2.4510% | 6,217 |
| Net charge-offs to loans | -0.1559% | 6,571 |
| Credit loss provision to net charge-offs | 643.4343% | 365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.5202% | 141 |
| Assets per employee ($millions) | 5.0910% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4766% | 297 |
| Loan loss allowance to noncurrent loans | 73.1241% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 5.5130% | 386 |
| Noncurrent loans to loans | 4.7544% | 548 |
| Net loans and leases to total assets | 61.4123% | 3,459 |
| Net loans and leases to deposits | 68.1460% | 4,033 |
| Net loans and leases to core deposits | 68.9940% | 4,391 |
| Total domestic deposits to total assets | 90.1187% | 1,019 |
| Equity capital to assets | 9.4950% | 4,432 |
| Core capital (leverage) ratio | 9.5694% | 4,156 |
| Tier 1 risk-based capital ratio | 13.1278% | 4,900 |
| Total risk-based capital ratio | 14.4001% | 4,829 |
| Memoranda: | ||
| Average total assets | $91,634,000 | 4,940 |
| Average earning assets | $86,026,200 | 4,881 |
| Average equity | $8,976,000 | 5,083 |
| Average total loans | $63,509,200 | 4,499 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 3,770 |
| Cost of funding earning assets | 0.5585% | 3,175 |
| Net interest margin | 3.5384% | 3,721 |
| Noninterest income to average assets | 0.2648% | 5,554 |
| Noninterest expense to average assets | 4.7900% | 396 |
| Loan and lease loss provision to assets | -0.8410% | 6,865 |
| Net operating income to assets | -0.3652% | 6,551 |
| Return on assets (ROA) | -0.3478% | 6,561 |
| Pretax return on assets | -0.3478% | 6,541 |
| Return on Equity (ROE) | -3.5231% | 6,547 |
| Retained earnings to average equity (ytd only) | -3.5231% | 6,394 |
| Net charge-offs to loans | -0.5205% | 6,783 |
| Credit loss provision to net charge-offs | 228.4585% | 1,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.6581% | 115 |
| Assets per employee ($millions) | 4.7704% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6337% | 297 |
| Loan loss allowance to noncurrent loans | 66.7461% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 6.0340% | 398 |
| Noncurrent loans to loans | 5.4440% | 509 |
| Net loans and leases to total assets | 65.5428% | 2,714 |
| Net loans and leases to deposits | 72.9570% | 3,414 |
| Net loans and leases to core deposits | 73.8752% | 3,867 |
| Total domestic deposits to total assets | 89.8375% | 1,089 |
| Equity capital to assets | 9.7267% | 4,274 |
| Core capital (leverage) ratio | 9.7678% | 4,007 |
| Tier 1 risk-based capital ratio | 12.6738% | 5,343 |
| Total risk-based capital ratio | 13.9480% | 5,270 |
| Memoranda: | ||
| Average total assets | $91,633,000 | 4,983 |
| Average earning assets | $85,950,000 | 4,929 |
| Average equity | $9,044,750 | 5,127 |
| Average total loans | $64,810,500 | 4,493 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 3,692 |
| Cost of funding earning assets | 0.5656% | 3,259 |
| Net interest margin | 3.5463% | 3,578 |
| Noninterest income to average assets | 0.2784% | 5,465 |
| Noninterest expense to average assets | 4.3538% | 593 |
| Loan and lease loss provision to assets | -0.3153% | 6,835 |
| Net operating income to assets | -0.4328% | 6,615 |
| Return on assets (ROA) | -0.4067% | 6,626 |
| Pretax return on assets | -0.4067% | 6,596 |
| Return on Equity (ROE) | -4.1004% | 6,618 |
| Retained earnings to average equity (ytd only) | -4.1004% | 6,404 |
| Net charge-offs to loans | -0.5435% | 6,830 |
| Credit loss provision to net charge-offs | 81.0056% | 2,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.7479% | 177 |
| Assets per employee ($millions) | 4.6972% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0337% | 250 |
| Loan loss allowance to noncurrent loans | 53.8318% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 8.2648% | 234 |
| Noncurrent loans to loans | 7.4932% | 297 |
| Net loans and leases to total assets | 69.2838% | 2,022 |
| Net loans and leases to deposits | 77.2951% | 2,675 |
| Net loans and leases to core deposits | 78.0355% | 3,284 |
| Total domestic deposits to total assets | 89.6354% | 1,239 |
| Equity capital to assets | 9.9153% | 4,020 |
| Core capital (leverage) ratio | 9.6347% | 4,030 |
| Tier 1 risk-based capital ratio | 12.1651% | 5,704 |
| Total risk-based capital ratio | 13.4442% | 5,628 |
| Memoranda: | ||
| Average total assets | $91,965,000 | 5,011 |
| Average earning assets | $86,287,330 | 4,941 |
| Average equity | $9,121,000 | 5,146 |
| Average total loans | $65,865,330 | 4,472 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 3,851 |
| Cost of funding earning assets | 0.5577% | 3,495 |
| Net interest margin | 3.5109% | 3,652 |
| Noninterest income to average assets | 0.2443% | 5,706 |
| Noninterest expense to average assets | 4.0418% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5058% | 6,671 |
| Return on assets (ROA) | -0.5058% | 6,696 |
| Pretax return on assets | -0.5058% | 6,675 |
| Return on Equity (ROE) | -5.0988% | 6,699 |
| Retained earnings to average equity (ytd only) | -5.0988% | 6,372 |
| Net charge-offs to loans | -0.1021% | 6,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3030% | 271 |
| Assets per employee ($millions) | 4.9004% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9232% | 304 |
| Loan loss allowance to noncurrent loans | 88.6980% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 6.0006% | 533 |
| Noncurrent loans to loans | 4.4231% | 958 |
| Net loans and leases to total assets | 67.9122% | 2,028 |
| Net loans and leases to deposits | 75.7530% | 2,675 |
| Net loans and leases to core deposits | 76.4259% | 3,260 |
| Total domestic deposits to total assets | 89.6495% | 1,263 |
| Equity capital to assets | 9.8994% | 4,276 |
| Core capital (leverage) ratio | 9.6028% | 3,921 |
| Tier 1 risk-based capital ratio | 12.3359% | 5,690 |
| Total risk-based capital ratio | 13.6144% | 5,622 |
| Memoranda: | ||
| Average total assets | $93,324,500 | 5,021 |
| Average earning assets | $87,498,500 | 4,947 |
| Average equity | $9,257,000 | 5,168 |
| Average total loans | $66,582,000 | 4,469 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 4,499 |
| Cost of funding earning assets | 0.6818% | 3,639 |
| Net interest margin | 3.5409% | 4,340 |
| Noninterest income to average assets | 0.3215% | 5,159 |
| Noninterest expense to average assets | 4.0442% | 928 |
| Loan and lease loss provision to assets | 0.0151% | 5,716 |
| Net operating income to assets | -0.4233% | 6,530 |
| Return on assets (ROA) | -0.2856% | 6,485 |
| Pretax return on assets | -0.2856% | 6,470 |
| Return on Equity (ROE) | -3.3224% | 6,514 |
| Retained earnings to average equity (ytd only) | -3.3224% | 6,290 |
| Net charge-offs to loans | -0.1610% | 6,908 |
| Credit loss provision to net charge-offs | -13.6752% | 6,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2263% | 317 |
| Assets per employee ($millions) | 5.1968% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8084% | 329 |
| Loan loss allowance to noncurrent loans | 87.4233% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 6.0946% | 559 |
| Noncurrent loans to loans | 4.3563% | 1,003 |
| Net loans and leases to total assets | 69.2587% | 1,985 |
| Net loans and leases to deposits | 77.3934% | 2,604 |
| Net loans and leases to core deposits | 78.0761% | 3,252 |
| Total domestic deposits to total assets | 89.4892% | 1,248 |
| Equity capital to assets | 9.9389% | 4,255 |
| Core capital (leverage) ratio | 9.3255% | 4,369 |
| Tier 1 risk-based capital ratio | 12.1828% | 5,664 |
| Total risk-based capital ratio | 13.4596% | 5,609 |
| Memoranda: | ||
| Average total assets | $106,078,000 | 4,679 |
| Average earning assets | $99,297,400 | 4,607 |
| Average equity | $9,119,800 | 5,193 |
| Average total loans | $72,653,000 | 4,247 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 4,779 |
| Cost of funding earning assets | 0.7123% | 3,659 |
| Net interest margin | 3.4988% | 4,655 |
| Noninterest income to average assets | 0.3199% | 5,230 |
| Noninterest expense to average assets | 4.0874% | 841 |
| Loan and lease loss provision to assets | 0.0195% | 5,556 |
| Net operating income to assets | -0.5128% | 6,706 |
| Return on assets (ROA) | -0.3345% | 6,655 |
| Pretax return on assets | -0.3345% | 6,621 |
| Return on Equity (ROE) | -4.0253% | 6,679 |
| Retained earnings to average equity (ytd only) | -4.0253% | 6,557 |
| Net charge-offs to loans | -0.2145% | 7,005 |
| Credit loss provision to net charge-offs | -13.4454% | 6,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7228% | 246 |
| Assets per employee ($millions) | 5.0971% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7543% | 375 |
| Loan loss allowance to noncurrent loans | 78.5561% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 6.5724% | 568 |
| Noncurrent loans to loans | 4.7791% | 965 |
| Net loans and leases to total assets | 67.9787% | 2,301 |
| Net loans and leases to deposits | 75.5740% | 3,044 |
| Net loans and leases to core deposits | 76.2126% | 3,698 |
| Total domestic deposits to total assets | 89.9499% | 876 |
| Equity capital to assets | 9.7155% | 4,904 |
| Core capital (leverage) ratio | 8.7550% | 5,393 |
| Tier 1 risk-based capital ratio | 12.0718% | 5,904 |
| Total risk-based capital ratio | 13.3495% | 5,865 |
| Memoranda: | ||
| Average total assets | $109,212,000 | 4,658 |
| Average earning assets | $102,203,500 | 4,591 |
| Average equity | $9,075,500 | 5,248 |
| Average total loans | $73,978,500 | 4,257 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 5,115 |
| Cost of funding earning assets | 0.7509% | 3,600 |
| Net interest margin | 3.4036% | 5,070 |
| Noninterest income to average assets | 0.2700% | 5,647 |
| Noninterest expense to average assets | 4.1700% | 760 |
| Loan and lease loss provision to assets | 0.0282% | 5,317 |
| Net operating income to assets | -0.7447% | 6,838 |
| Return on assets (ROA) | -0.4871% | 6,769 |
| Pretax return on assets | -0.4871% | 6,741 |
| Return on Equity (ROE) | -6.1577% | 6,805 |
| Retained earnings to average equity (ytd only) | -6.1577% | 6,680 |
| Net charge-offs to loans | -0.6725% | 7,160 |
| Credit loss provision to net charge-offs | -6.2745% | 5,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.7460% | 224 |
| Assets per employee ($millions) | 6.4611% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7241% | 417 |
| Loan loss allowance to noncurrent loans | 111.3721% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 5.0420% | 946 |
| Noncurrent loans to loans | 3.3439% | 1,741 |
| Net loans and leases to total assets | 63.6191% | 3,122 |
| Net loans and leases to deposits | 69.5747% | 3,959 |
| Net loans and leases to core deposits | 73.4630% | 4,102 |
| Total domestic deposits to total assets | 91.4401% | 321 |
| Equity capital to assets | 8.2057% | 6,443 |
| Core capital (leverage) ratio | 7.9925% | 6,290 |
| Tier 1 risk-based capital ratio | 11.0816% | 6,459 |
| Total risk-based capital ratio | 12.3589% | 6,420 |
| Memoranda: | ||
| Average total assets | $113,334,330 | 4,583 |
| Average earning assets | $106,006,000 | 4,509 |
| Average equity | $8,964,330 | 5,277 |
| Average total loans | $75,837,330 | 4,230 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 5,004 |
| Cost of funding earning assets | 0.8394% | 3,157 |
| Net interest margin | 3.3874% | 5,168 |
| Noninterest income to average assets | 0.4032% | 4,645 |
| Noninterest expense to average assets | 4.5811% | 515 |
| Loan and lease loss provision to assets | 0.0556% | 4,709 |
| Net operating income to assets | -1.0636% | 7,007 |
| Return on assets (ROA) | -0.5561% | 6,881 |
| Pretax return on assets | -0.5561% | 6,850 |
| Return on Equity (ROE) | -7.1588% | 6,924 |
| Retained earnings to average equity (ytd only) | -7.1588% | 6,722 |
| Net charge-offs to loans | 0.2324% | 2,762 |
| Credit loss provision to net charge-offs | 35.5556% | 3,526 |
| Earnings coverage of net charge-offs (x) | -6.4444% | 4,679 |
| Efficiency ratio | 128.2101% | 172 |
| Assets per employee ($millions) | 7.6321% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1800% | 697 |
| Loan loss allowance to noncurrent loans | 104.4783% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 4.9650% | 1,054 |
| Noncurrent loans to loans | 3.0437% | 2,122 |
| Net loans and leases to total assets | 63.9075% | 2,865 |
| Net loans and leases to deposits | 69.5641% | 3,793 |
| Net loans and leases to core deposits | 73.2594% | 3,984 |
| Total domestic deposits to total assets | 91.8685% | 291 |
| Equity capital to assets | 7.7454% | 6,662 |
| Core capital (leverage) ratio | 7.5532% | 6,598 |
| Tier 1 risk-based capital ratio | 10.5678% | 6,715 |
| Total risk-based capital ratio | 11.8391% | 6,696 |
| Memoranda: | ||
| Average total assets | $115,082,500 | 4,563 |
| Average earning assets | $107,692,500 | 4,496 |
| Average equity | $8,940,000 | 5,301 |
| Average total loans | $77,465,500 | 4,201 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 5,696 |
| Cost of funding earning assets | 1.0234% | 3,213 |
| Net interest margin | 3.2975% | 5,813 |
| Noninterest income to average assets | 0.4412% | 4,294 |
| Noninterest expense to average assets | 4.8178% | 449 |
| Loan and lease loss provision to assets | 2.2105% | 232 |
| Net operating income to assets | -3.5161% | 7,228 |
| Return on assets (ROA) | -3.2749% | 7,215 |
| Pretax return on assets | -3.2749% | 7,217 |
| Return on Equity (ROE) | -38.5793% | 7,153 |
| Retained earnings to average equity (ytd only) | -38.5793% | 7,148 |
| Net charge-offs to loans | 3.2281% | 269 |
| Credit loss provision to net charge-offs | 103.4596% | 3,342 |
| Earnings coverage of net charge-offs (x) | -0.6111% | 6,116 |
| Efficiency ratio | 137.1732% | 194 |
| Assets per employee ($millions) | 6.8049% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0643% | 768 |
| Loan loss allowance to noncurrent loans | 63.5983% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 6.0657% | 804 |
| Noncurrent loans to loans | 4.8182% | 1,201 |
| Net loans and leases to total assets | 66.5036% | 2,688 |
| Net loans and leases to deposits | 76.2349% | 3,143 |
| Net loans and leases to core deposits | 80.6901% | 3,357 |
| Total domestic deposits to total assets | 87.2351% | 2,622 |
| Equity capital to assets | 7.7911% | 6,691 |
| Core capital (leverage) ratio | 7.4875% | 6,654 |
| Tier 1 risk-based capital ratio | 9.8052% | 6,900 |
| Total risk-based capital ratio | 11.0731% | 6,889 |
| Memoranda: | ||
| Average total assets | $128,522,200 | 4,205 |
| Average earning assets | $119,698,200 | 4,137 |
| Average equity | $10,910,000 | 4,805 |
| Average total loans | $85,066,600 | 3,996 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3134% | 5,905 |
| Cost of funding earning assets | 1.0672% | 3,196 |
| Net interest margin | 3.2462% | 6,029 |
| Noninterest income to average assets | 0.4210% | 4,509 |
| Noninterest expense to average assets | 4.6578% | 498 |
| Loan and lease loss provision to assets | 2.2540% | 221 |
| Net operating income to assets | -3.4706% | 7,299 |
| Return on assets (ROA) | -3.2530% | 7,295 |
| Pretax return on assets | -3.2530% | 7,289 |
| Return on Equity (ROE) | -37.6417% | 7,241 |
| Retained earnings to average equity (ytd only) | -37.6417% | 7,235 |
| Net charge-offs to loans | 3.2526% | 266 |
| Credit loss provision to net charge-offs | 105.5450% | 3,144 |
| Earnings coverage of net charge-offs (x) | -0.5697% | 5,852 |
| Efficiency ratio | 135.3529% | 198 |
| Assets per employee ($millions) | 6.5669% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9572% | 894 |
| Loan loss allowance to noncurrent loans | 59.0188% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 7.8161% | 573 |
| Noncurrent loans to loans | 5.0107% | 1,239 |
| Net loans and leases to total assets | 68.1271% | 2,458 |
| Net loans and leases to deposits | 78.8657% | 2,836 |
| Net loans and leases to core deposits | 83.0598% | 3,185 |
| Total domestic deposits to total assets | 86.3837% | 2,994 |
| Equity capital to assets | 8.7264% | 6,053 |
| Core capital (leverage) ratio | 8.1619% | 6,177 |
| Tier 1 risk-based capital ratio | 10.1837% | 6,899 |
| Total risk-based capital ratio | 11.4512% | 6,884 |
| Memoranda: | ||
| Average total assets | $131,731,750 | 4,159 |
| Average earning assets | $122,560,750 | 4,104 |
| Average equity | $11,384,250 | 4,716 |
| Average total loans | $86,491,750 | 3,993 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 6,111 |
| Cost of funding earning assets | 1.1279% | 3,044 |
| Net interest margin | 3.1411% | 6,301 |
| Noninterest income to average assets | 0.4184% | 4,528 |
| Noninterest expense to average assets | 3.8872% | 1,217 |
| Loan and lease loss provision to assets | 2.6732% | 185 |
| Net operating income to assets | -3.2149% | 7,330 |
| Return on assets (ROA) | -3.1855% | 7,332 |
| Pretax return on assets | -3.1855% | 7,327 |
| Return on Equity (ROE) | -36.9655% | 7,294 |
| Retained earnings to average equity (ytd only) | -36.9655% | 7,288 |
| Net charge-offs to loans | 1.6723% | 866 |
| Credit loss provision to net charge-offs | 248.4311% | 1,222 |
| Earnings coverage of net charge-offs (x) | -0.5034% | 5,527 |
| Efficiency ratio | 116.1913% | 388 |
| Assets per employee ($millions) | 7.1991% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1077% | 387 |
| Loan loss allowance to noncurrent loans | 54.7825% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 8.3954% | 526 |
| Noncurrent loans to loans | 7.4982% | 635 |
| Net loans and leases to total assets | 61.7018% | 3,947 |
| Net loans and leases to deposits | 78.2063% | 3,091 |
| Net loans and leases to core deposits | 84.1313% | 3,193 |
| Total domestic deposits to total assets | 78.8962% | 6,107 |
| Equity capital to assets | 8.7311% | 5,901 |
| Core capital (leverage) ratio | 8.1809% | 6,064 |
| Tier 1 risk-based capital ratio | 11.2273% | 6,368 |
| Total risk-based capital ratio | 12.5044% | 6,346 |
| Memoranda: | ||
| Average total assets | $136,241,000 | 4,100 |
| Average earning assets | $126,961,000 | 4,048 |
| Average equity | $11,740,670 | 4,629 |
| Average total loans | $87,661,330 | 3,994 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 6,410 |
| Cost of funding earning assets | 1.1719% | 3,007 |
| Net interest margin | 2.9713% | 6,630 |
| Noninterest income to average assets | 0.5302% | 3,652 |
| Noninterest expense to average assets | 3.6741% | 1,587 |
| Loan and lease loss provision to assets | 4.9810% | 61 |
| Net operating income to assets | -5.3565% | 7,496 |
| Return on assets (ROA) | -5.3565% | 7,496 |
| Pretax return on assets | -5.3565% | 7,490 |
| Return on Equity (ROE) | -62.5397% | 7,445 |
| Retained earnings to average equity (ytd only) | -62.5397% | 7,436 |
| Net charge-offs to loans | 2.4187% | 488 |
| Credit loss provision to net charge-offs | 320.0737% | 1,017 |
| Earnings coverage of net charge-offs (x) | -0.2413% | 4,713 |
| Efficiency ratio | 111.3814% | 473 |
| Assets per employee ($millions) | 7.6550% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9739% | 424 |
| Loan loss allowance to noncurrent loans | 56.0902% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 8.1276% | 579 |
| Noncurrent loans to loans | 7.0848% | 769 |
| Net loans and leases to total assets | 61.9406% | 3,871 |
| Net loans and leases to deposits | 80.0578% | 2,716 |
| Net loans and leases to core deposits | 86.0840% | 2,860 |
| Total domestic deposits to total assets | 77.3699% | 6,471 |
| Equity capital to assets | 8.0514% | 6,452 |
| Core capital (leverage) ratio | 7.9239% | 6,333 |
| Tier 1 risk-based capital ratio | 10.8675% | 6,595 |
| Total risk-based capital ratio | 12.1446% | 6,554 |
| Memoranda: | ||
| Average total assets | $139,570,000 | 4,072 |
| Average earning assets | $130,044,500 | 4,028 |
| Average equity | $11,954,000 | 4,559 |
| Average total loans | $89,802,000 | 3,981 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 7,004 |
| Cost of funding earning assets | 1.3357% | 3,660 |
| Net interest margin | 2.7991% | 7,032 |
| Noninterest income to average assets | 0.3430% | 5,340 |
| Noninterest expense to average assets | 2.5847% | 5,478 |
| Loan and lease loss provision to assets | 4.3689% | 127 |
| Net operating income to assets | -3.9656% | 7,435 |
| Return on assets (ROA) | -2.9791% | 7,313 |
| Pretax return on assets | -2.9791% | 7,289 |
| Return on Equity (ROE) | -29.9257% | 7,229 |
| Retained earnings to average equity (ytd only) | -29.9257% | 7,216 |
| Net charge-offs to loans | 6.3495% | 84 |
| Credit loss provision to net charge-offs | 111.3656% | 3,940 |
| Earnings coverage of net charge-offs (x) | 0.1028% | 6,020 |
| Efficiency ratio | 86.5014% | 1,632 |
| Assets per employee ($millions) | 7.4395% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5759% | 1,313 |
| Loan loss allowance to noncurrent loans | 45.0810% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 7.3293% | 727 |
| Noncurrent loans to loans | 5.7140% | 1,120 |
| Net loans and leases to total assets | 62.5306% | 4,163 |
| Net loans and leases to deposits | 82.5183% | 2,709 |
| Net loans and leases to core deposits | 89.6893% | 2,810 |
| Total domestic deposits to total assets | 75.7779% | 6,658 |
| Equity capital to assets | 9.0654% | 5,052 |
| Core capital (leverage) ratio | 8.8773% | 4,735 |
| Tier 1 risk-based capital ratio | 12.3016% | 5,205 |
| Total risk-based capital ratio | 13.5640% | 5,163 |
| Memoranda: | ||
| Average total assets | $145,780,400 | 3,952 |
| Average earning assets | $137,756,800 | 3,859 |
| Average equity | $14,512,600 | 4,031 |
| Average total loans | $90,070,000 | 4,055 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 7,172 |
| Cost of funding earning assets | 1.3398% | 3,976 |
| Net interest margin | 2.7858% | 7,146 |
| Noninterest income to average assets | 0.2986% | 5,752 |
| Noninterest expense to average assets | 2.4063% | 6,015 |
| Loan and lease loss provision to assets | 5.5388% | 66 |
| Net operating income to assets | -5.0041% | 7,644 |
| Return on assets (ROA) | -3.6989% | 7,553 |
| Pretax return on assets | -3.6989% | 7,529 |
| Return on Equity (ROE) | -36.3735% | 7,462 |
| Retained earnings to average equity (ytd only) | -36.3735% | 7,459 |
| Net charge-offs to loans | 8.4367% | 38 |
| Credit loss provision to net charge-offs | 107.2596% | 3,979 |
| Earnings coverage of net charge-offs (x) | 0.1035% | 5,919 |
| Efficiency ratio | 81.8210% | 2,080 |
| Assets per employee ($millions) | 7.8331% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4210% | 1,446 |
| Loan loss allowance to noncurrent loans | 49.6454% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 6.3032% | 914 |
| Noncurrent loans to loans | 4.8766% | 1,442 |
| Net loans and leases to total assets | 56.8706% | 5,432 |
| Net loans and leases to deposits | 76.5765% | 4,076 |
| Net loans and leases to core deposits | 83.8792% | 3,959 |
| Total domestic deposits to total assets | 74.2664% | 6,889 |
| Equity capital to assets | 9.0130% | 5,560 |
| Core capital (leverage) ratio | 9.0600% | 4,589 |
| Tier 1 risk-based capital ratio | 12.8167% | 4,719 |
| Total risk-based capital ratio | 14.0760% | 4,696 |
| Memoranda: | ||
| Average total assets | $146,888,000 | 3,984 |
| Average earning assets | $139,322,750 | 3,884 |
| Average equity | $14,937,250 | 4,001 |
| Average total loans | $89,906,500 | 4,121 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 7,081 |
| Cost of funding earning assets | 1.3483% | 4,199 |
| Net interest margin | 2.9310% | 6,967 |
| Noninterest income to average assets | 0.2503% | 6,122 |
| Noninterest expense to average assets | 2.4439% | 5,931 |
| Loan and lease loss provision to assets | 6.7355% | 54 |
| Net operating income to assets | -6.1255% | 7,743 |
| Return on assets (ROA) | -6.0106% | 7,740 |
| Pretax return on assets | -6.0106% | 7,729 |
| Return on Equity (ROE) | -56.9116% | 7,644 |
| Retained earnings to average equity (ytd only) | -56.9116% | 7,639 |
| Net charge-offs to loans | 10.3516% | 30 |
| Credit loss provision to net charge-offs | 104.6092% | 3,901 |
| Earnings coverage of net charge-offs (x) | 0.0947% | 5,629 |
| Efficiency ratio | 80.0269% | 2,440 |
| Assets per employee ($millions) | 7.4086% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1209% | 1,924 |
| Loan loss allowance to noncurrent loans | 19.2713% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 8.4617% | 555 |
| Noncurrent loans to loans | 11.0057% | 363 |
| Net loans and leases to total assets | 62.4227% | 4,598 |
| Net loans and leases to deposits | 85.2822% | 2,646 |
| Net loans and leases to core deposits | 92.5862% | 2,903 |
| Total domestic deposits to total assets | 73.1954% | 7,072 |
| Equity capital to assets | 10.0758% | 3,916 |
| Core capital (leverage) ratio | 8.9349% | 4,702 |
| Tier 1 risk-based capital ratio | 12.3469% | 4,997 |
| Total risk-based capital ratio | 13.6032% | 4,970 |
| Memoranda: | ||
| Average total assets | $146,241,000 | 4,026 |
| Average earning assets | $139,884,330 | 3,909 |
| Average equity | $15,445,000 | 3,900 |
| Average total loans | $90,962,000 | 4,125 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 7,144 |
| Cost of funding earning assets | 1.3617% | 4,411 |
| Net interest margin | 2.9304% | 6,968 |
| Noninterest income to average assets | 0.2390% | 6,243 |
| Noninterest expense to average assets | 2.2768% | 6,456 |
| Loan and lease loss provision to assets | 13.0111% | 14 |
| Net operating income to assets | -12.2352% | 7,914 |
| Return on assets (ROA) | -12.1815% | 7,914 |
| Pretax return on assets | -12.1815% | 7,912 |
| Return on Equity (ROE) | -112.8888% | 7,843 |
| Retained earnings to average equity (ytd only) | -112.8888% | 7,840 |
| Net charge-offs to loans | 20.4506% | 10 |
| Credit loss provision to net charge-offs | 103.5249% | 3,302 |
| Earnings coverage of net charge-offs (x) | 0.0617% | 4,984 |
| Efficiency ratio | 74.5822% | 3,472 |
| Assets per employee ($millions) | 7.8513% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0376% | 2,085 |
| Loan loss allowance to noncurrent loans | 29.2714% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 5.5204% | 1,118 |
| Noncurrent loans to loans | 6.9611% | 861 |
| Net loans and leases to total assets | 59.6880% | 5,172 |
| Net loans and leases to deposits | 79.6862% | 3,712 |
| Net loans and leases to core deposits | 91.8496% | 3,126 |
| Total domestic deposits to total assets | 74.9038% | 6,918 |
| Equity capital to assets | 9.3468% | 4,766 |
| Core capital (leverage) ratio | 8.5581% | 5,281 |
| Tier 1 risk-based capital ratio | 11.9574% | 5,242 |
| Total risk-based capital ratio | 13.2136% | 5,193 |
| Memoranda: | ||
| Average total assets | $148,980,000 | 4,030 |
| Average earning assets | $143,051,500 | 3,887 |
| Average equity | $16,076,000 | 3,818 |
| Average total loans | $91,557,000 | 4,171 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 7,197 |
| Cost of funding earning assets | 1.6958% | 4,534 |
| Net interest margin | 2.9650% | 6,726 |
| Noninterest income to average assets | 0.3344% | 5,701 |
| Noninterest expense to average assets | 2.5444% | 5,972 |
| Loan and lease loss provision to assets | 1.6007% | 1,429 |
| Net operating income to assets | -0.9385% | 6,534 |
| Return on assets (ROA) | -0.7912% | 6,426 |
| Pretax return on assets | -0.7912% | 6,258 |
| Return on Equity (ROE) | -5.9180% | 6,295 |
| Retained earnings to average equity (ytd only) | -5.9180% | 6,138 |
| Net charge-offs to loans | 3.0845% | 671 |
| Credit loss provision to net charge-offs | 78.5043% | 6,325 |
| Earnings coverage of net charge-offs (x) | 0.3248% | 5,788 |
| Efficiency ratio | 79.3476% | 2,981 |
| Assets per employee ($millions) | 7.8308% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 2,452 |
| Loan loss allowance to noncurrent loans | 20.3695% | 7,042 |
| Noncurrent assets plus other real estate owned to assets | 5.6827% | 1,020 |
| Noncurrent loans to loans | 8.9804% | 507 |
| Net loans and leases to total assets | 60.8498% | 5,212 |
| Net loans and leases to deposits | 84.5293% | 3,174 |
| Net loans and leases to core deposits | 109.7047% | 2,926 |
| Total domestic deposits to total assets | 71.9866% | 7,244 |
| Equity capital to assets | 12.2384% | 1,888 |
| Core capital (leverage) ratio | 11.7347% | 1,795 |
| Tier 1 risk-based capital ratio | 16.2320% | 2,422 |
| Total risk-based capital ratio | 17.4856% | 2,363 |
| Memoranda: | ||
| Average total assets | $135,750,600 | 4,220 |
| Average earning assets | $131,499,600 | 4,054 |
| Average equity | $18,148,000 | 3,485 |
| Average total loans | $89,739,200 | 4,218 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 7,228 |
| Cost of funding earning assets | 1.7179% | 4,813 |
| Net interest margin | 3.0174% | 6,557 |
| Noninterest income to average assets | 0.3210% | 5,910 |
| Noninterest expense to average assets | 2.6346% | 5,578 |
| Loan and lease loss provision to assets | 1.9845% | 917 |
| Net operating income to assets | -1.3726% | 7,051 |
| Return on assets (ROA) | -1.3364% | 7,027 |
| Pretax return on assets | -1.3364% | 6,878 |
| Return on Equity (ROE) | -9.7648% | 6,882 |
| Retained earnings to average equity (ytd only) | -9.7648% | 6,786 |
| Net charge-offs to loans | 4.1023% | 336 |
| Credit loss provision to net charge-offs | 71.9183% | 5,945 |
| Earnings coverage of net charge-offs (x) | 0.2217% | 5,798 |
| Efficiency ratio | 81.1531% | 2,694 |
| Assets per employee ($millions) | 7.5418% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 2,691 |
| Loan loss allowance to noncurrent loans | 19.8165% | 7,102 |
| Noncurrent assets plus other real estate owned to assets | 5.4447% | 1,057 |
| Noncurrent loans to loans | 8.4839% | 547 |
| Net loans and leases to total assets | 61.7074% | 5,288 |
| Net loans and leases to deposits | 86.1260% | 3,292 |
| Net loans and leases to core deposits | 122.0031% | 2,072 |
| Total domestic deposits to total assets | 71.6478% | 7,255 |
| Equity capital to assets | 12.5700% | 1,905 |
| Core capital (leverage) ratio | 12.2414% | 1,689 |
| Tier 1 risk-based capital ratio | 16.5178% | 2,420 |
| Total risk-based capital ratio | 17.7701% | 2,372 |
| Memoranda: | ||
| Average total assets | $132,491,750 | 4,309 |
| Average earning assets | $128,450,250 | 4,138 |
| Average equity | $18,132,750 | 3,510 |
| Average total loans | $89,118,250 | 4,274 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 7,313 |
| Cost of funding earning assets | 1.7358% | 5,084 |
| Net interest margin | 3.0152% | 6,506 |
| Noninterest income to average assets | 0.3771% | 5,489 |
| Noninterest expense to average assets | 2.7651% | 5,114 |
| Loan and lease loss provision to assets | 1.9769% | 820 |
| Net operating income to assets | -1.4431% | 7,217 |
| Return on assets (ROA) | -1.4431% | 7,223 |
| Pretax return on assets | -1.4431% | 7,063 |
| Return on Equity (ROE) | -10.2350% | 7,054 |
| Retained earnings to average equity (ytd only) | -10.2350% | 6,896 |
| Net charge-offs to loans | 3.2213% | 494 |
| Credit loss provision to net charge-offs | 89.0287% | 4,954 |
| Earnings coverage of net charge-offs (x) | 0.2404% | 5,432 |
| Efficiency ratio | 83.8194% | 2,498 |
| Assets per employee ($millions) | 7.0973% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3448% | 1,052 |
| Loan loss allowance to noncurrent loans | 50.9837% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 3.0909% | 2,034 |
| Noncurrent loans to loans | 4.5991% | 1,389 |
| Net loans and leases to total assets | 65.6309% | 4,638 |
| Net loans and leases to deposits | 95.2597% | 1,911 |
| Net loans and leases to core deposits | 134.9280% | 1,268 |
| Total domestic deposits to total assets | 68.8968% | 7,562 |
| Equity capital to assets | 13.3706% | 1,537 |
| Core capital (leverage) ratio | 13.2906% | 1,333 |
| Tier 1 risk-based capital ratio | 17.0337% | 2,293 |
| Total risk-based capital ratio | 18.2934% | 2,237 |
| Memoranda: | ||
| Average total assets | $128,891,000 | 4,418 |
| Average earning assets | $124,900,670 | 4,245 |
| Average equity | $18,173,000 | 3,528 |
| Average total loans | $88,846,000 | 4,308 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6864% | 7,524 |
| Cost of funding earning assets | 1.7262% | 5,485 |
| Net interest margin | 2.9602% | 6,585 |
| Noninterest income to average assets | 0.3209% | 5,882 |
| Noninterest expense to average assets | 2.7638% | 4,727 |
| Loan and lease loss provision to assets | 3.8916% | 246 |
| Net operating income to assets | -3.4691% | 7,918 |
| Return on assets (ROA) | -3.4691% | 7,912 |
| Pretax return on assets | -3.4691% | 7,832 |
| Return on Equity (ROE) | -23.9415% | 7,826 |
| Retained earnings to average equity (ytd only) | -23.9415% | 7,743 |
| Net charge-offs to loans | 6.3987% | 139 |
| Credit loss provision to net charge-offs | 87.0647% | 4,063 |
| Earnings coverage of net charge-offs (x) | 0.0945% | 4,908 |
| Efficiency ratio | 86.7398% | 1,990 |
| Assets per employee ($millions) | 6.7626% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4161% | 834 |
| Loan loss allowance to noncurrent loans | 38.7638% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 4.2183% | 1,189 |
| Noncurrent loans to loans | 6.2328% | 741 |
| Net loans and leases to total assets | 66.0438% | 4,574 |
| Net loans and leases to deposits | 92.7613% | 2,473 |
| Net loans and leases to core deposits | 139.5478% | 1,121 |
| Total domestic deposits to total assets | 71.1975% | 7,309 |
| Equity capital to assets | 13.8922% | 1,396 |
| Core capital (leverage) ratio | 13.9020% | 1,210 |
| Tier 1 risk-based capital ratio | 17.3235% | 2,238 |
| Total risk-based capital ratio | 18.5838% | 2,183 |
| Memoranda: | ||
| Average total assets | $125,912,500 | 4,496 |
| Average earning assets | $121,885,500 | 4,335 |
| Average equity | $18,244,500 | 3,528 |
| Average total loans | $87,955,500 | 4,361 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 7,155 |
| Cost of funding earning assets | 2.3983% | 4,723 |
| Net interest margin | 3.1706% | 6,462 |
| Noninterest income to average assets | 0.2502% | 6,659 |
| Noninterest expense to average assets | 2.9375% | 4,313 |
| Loan and lease loss provision to assets | 1.3984% | 991 |
| Net operating income to assets | -1.0304% | 7,263 |
| Return on assets (ROA) | -0.9963% | 7,169 |
| Pretax return on assets | -0.9963% | 6,998 |
| Return on Equity (ROE) | -5.6565% | 6,928 |
| Retained earnings to average equity (ytd only) | -5.6565% | 6,612 |
| Net charge-offs to loans | 0.0336% | 6,348 |
| Credit loss provision to net charge-offs | 5,846.1538% | 90 |
| Earnings coverage of net charge-offs (x) | 15.3846% | 1,935 |
| Efficiency ratio | 88.8672% | 1,597 |
| Assets per employee ($millions) | 6.4914% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5655% | 639 |
| Loan loss allowance to noncurrent loans | 42.0103% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 4.4042% | 869 |
| Noncurrent loans to loans | 6.1067% | 574 |
| Net loans and leases to total assets | 70.2706% | 3,956 |
| Net loans and leases to deposits | 114.7341% | 586 |
| Net loans and leases to core deposits | 140.2071% | 1,256 |
| Total domestic deposits to total assets | 61.2465% | 7,918 |
| Equity capital to assets | 15.1124% | 1,134 |
| Core capital (leverage) ratio | 15.1155% | 1,003 |
| Tier 1 risk-based capital ratio | 18.5528% | 1,905 |
| Total risk-based capital ratio | 19.8258% | 1,850 |
| Memoranda: | ||
| Average total assets | $108,699,200 | 4,815 |
| Average earning assets | $104,743,000 | 4,656 |
| Average equity | $19,146,000 | 3,372 |
| Average total loans | $77,391,000 | 4,604 |