Home > Banco do Brasil Americas > Performance and Condition Ratios
Banco do Brasil Americas, 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 | 5.1141% | 1,828 |
| Cost of funding earning assets | 0.9631% | 3,385 |
| Net interest margin | 4.1511% | 1,008 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 1.8601% | 3,908 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 1.7617% | 647 |
| Return on assets (ROA) | 1.7630% | 618 |
| Pretax return on assets | 2.3460% | 405 |
| Return on Equity (ROE) | 23.0200% | 402 |
| Retained earnings to average equity (ytd only) | 23.0219% | 93 |
| Net charge-offs to loans | 0.0099% | 2,279 |
| Credit loss provision to net charge-offs | 8,263.1068% | 66 |
| Earnings coverage of net charge-offs (x) | 665.8738% | 215 |
| Efficiency ratio | 41.1358% | 4,340 |
| Assets per employee ($millions) | 11.3134% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 845 |
| Loan loss allowance to noncurrent loans | 310.7848% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 2,088 |
| Noncurrent loans to loans | 0.5134% | 1,500 |
| Net loans and leases to total assets | 43.4400% | 3,920 |
| Net loans and leases to deposits | 47.9274% | 4,000 |
| Net loans and leases to core deposits | 57.8042% | 3,842 |
| Total domestic deposits to total assets | 90.6400% | 595 |
| Equity capital to assets | 8.9022% | 2,744 |
| Core capital (leverage) ratio | 9.1618% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6223% | 319 |
| Memoranda: | ||
| Average total assets | $2,576,621,200 | 450 |
| Average earning assets | $2,527,834,600 | 417 |
| Average equity | $197,320,600 | 547 |
| Average total loans | $1,036,251,400 | 707 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 1,743 |
| Cost of funding earning assets | 0.8374% | 3,434 |
| Net interest margin | 4.2074% | 913 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 1.8229% | 3,933 |
| Loan and lease loss provision to assets | 0.3600% | 243 |
| Net operating income to assets | 1.7766% | 695 |
| Return on assets (ROA) | 1.7719% | 689 |
| Pretax return on assets | 2.3735% | 439 |
| Return on Equity (ROE) | 24.2300% | 420 |
| Retained earnings to average equity (ytd only) | 24.2279% | 145 |
| Net charge-offs to loans | 0.0078% | 2,123 |
| Credit loss provision to net charge-offs | 11,496.5517% | 43 |
| Earnings coverage of net charge-offs (x) | 893.7759% | 179 |
| Efficiency ratio | 39.9469% | 4,361 |
| Assets per employee ($millions) | 11.3049% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 999 |
| Loan loss allowance to noncurrent loans | 608.2993% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,861 |
| Noncurrent loans to loans | 0.2541% | 2,329 |
| Net loans and leases to total assets | 41.6400% | 4,002 |
| Net loans and leases to deposits | 45.5778% | 4,063 |
| Net loans and leases to core deposits | 53.8376% | 3,940 |
| Total domestic deposits to total assets | 91.3700% | 587 |
| Equity capital to assets | 8.1768% | 2,945 |
| Core capital (leverage) ratio | 8.7222% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0360% | 350 |
| Memoranda: | ||
| Average total assets | $2,522,176,250 | 462 |
| Average earning assets | $2,475,329,000 | 424 |
| Average equity | $184,460,250 | 570 |
| Average total loans | $986,923,000 | 737 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8983% | 1,767 |
| Cost of funding earning assets | 0.7228% | 3,419 |
| Net interest margin | 4.1756% | 964 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 1.7884% | 4,020 |
| Loan and lease loss provision to assets | 0.3800% | 226 |
| Net operating income to assets | 1.7464% | 718 |
| Return on assets (ROA) | 1.7459% | 722 |
| Pretax return on assets | 2.3387% | 440 |
| Return on Equity (ROE) | 24.9700% | 385 |
| Retained earnings to average equity (ytd only) | 24.9690% | 124 |
| Net charge-offs to loans | 0.0080% | 1,923 |
| Credit loss provision to net charge-offs | 12,237.8378% | 42 |
| Earnings coverage of net charge-offs (x) | 901.1351% | 168 |
| Efficiency ratio | 39.6623% | 4,405 |
| Assets per employee ($millions) | 11.6036% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,205 |
| Loan loss allowance to noncurrent loans | 505.6126% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 2,732 |
| Noncurrent loans to loans | 0.2950% | 2,082 |
| Net loans and leases to total assets | 38.1800% | 4,105 |
| Net loans and leases to deposits | 41.6831% | 4,168 |
| Net loans and leases to core deposits | 48.2179% | 4,063 |
| Total domestic deposits to total assets | 91.5900% | 488 |
| Equity capital to assets | 7.0372% | 3,775 |
| Core capital (leverage) ratio | 7.5775% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7860% | 394 |
| Memoranda: | ||
| Average total assets | $2,450,969,333 | 466 |
| Average earning assets | $2,406,081,667 | 428 |
| Average equity | $171,380,333 | 602 |
| Average total loans | $930,180,667 | 760 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 1,675 |
| Cost of funding earning assets | 0.5864% | 3,419 |
| Net interest margin | 4.1900% | 961 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.8312% | 3,974 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.8151% | 651 |
| Return on assets (ROA) | 1.8151% | 640 |
| Pretax return on assets | 2.4314% | 393 |
| Return on Equity (ROE) | 26.0600% | 361 |
| Retained earnings to average equity (ytd only) | 26.0570% | 161 |
| Net charge-offs to loans | 0.0152% | 1,396 |
| Credit loss provision to net charge-offs | 3,427.2727% | 133 |
| Earnings coverage of net charge-offs (x) | 465.9394% | 246 |
| Efficiency ratio | 40.7818% | 4,426 |
| Assets per employee ($millions) | 11.3111% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 1,793 |
| Loan loss allowance to noncurrent loans | 374.2287% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 2,613 |
| Noncurrent loans to loans | 0.3622% | 1,848 |
| Net loans and leases to total assets | 35.0700% | 4,221 |
| Net loans and leases to deposits | 38.4438% | 4,267 |
| Net loans and leases to core deposits | 44.1021% | 4,167 |
| Total domestic deposits to total assets | 91.2200% | 728 |
| Equity capital to assets | 7.3565% | 3,641 |
| Core capital (leverage) ratio | 7.9146% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1412% | 307 |
| Memoranda: | ||
| Average total assets | $2,313,029,500 | 507 |
| Average earning assets | $2,269,417,000 | 467 |
| Average equity | $161,123,500 | 642 |
| Average total loans | $866,842,500 | 818 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3818% | 3,390 |
| Cost of funding earning assets | 0.2260% | 3,545 |
| Net interest margin | 3.1558% | 3,004 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.4982% | 2,119 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 0.6594% | 3,735 |
| Return on assets (ROA) | 0.6292% | 3,760 |
| Pretax return on assets | 0.8467% | 3,493 |
| Return on Equity (ROE) | 8.2400% | 3,319 |
| Retained earnings to average equity (ytd only) | 8.2362% | 1,744 |
| Net charge-offs to loans | 0.0065% | 2,167 |
| Credit loss provision to net charge-offs | 8,427.9070% | 86 |
| Earnings coverage of net charge-offs (x) | 351.3023% | 434 |
| Efficiency ratio | 68.2106% | 1,934 |
| Assets per employee ($millions) | 9.8963% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,144 |
| Loan loss allowance to noncurrent loans | 1,413.7741% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,452 |
| Noncurrent loans to loans | 0.0884% | 3,125 |
| Net loans and leases to total assets | 39.3800% | 4,085 |
| Net loans and leases to deposits | 42.3912% | 4,162 |
| Net loans and leases to core deposits | 46.4230% | 4,105 |
| Total domestic deposits to total assets | 92.9000% | 430 |
| Equity capital to assets | 6.4787% | 3,907 |
| Core capital (leverage) ratio | 8.1786% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4671% | 393 |
| Memoranda: | ||
| Average total assets | $1,297,432,200 | 791 |
| Average earning assets | $1,263,339,400 | 750 |
| Average equity | $99,111,000 | 950 |
| Average total loans | $657,136,000 | 960 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1503% | 3,556 |
| Cost of funding earning assets | 0.1744% | 3,572 |
| Net interest margin | 2.9759% | 3,284 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.5923% | 1,729 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 0.5543% | 3,957 |
| Return on assets (ROA) | 0.5071% | 4,005 |
| Pretax return on assets | 0.6543% | 3,890 |
| Return on Equity (ROE) | 6.2000% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.2006% | 2,677 |
| Net charge-offs to loans | 0.0071% | 1,883 |
| Credit loss provision to net charge-offs | 5,639.3939% | 99 |
| Earnings coverage of net charge-offs (x) | 236.0606% | 562 |
| Efficiency ratio | 73.4284% | 1,337 |
| Assets per employee ($millions) | 7.5501% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,500 |
| Loan loss allowance to noncurrent loans | 508.1194% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 2,817 |
| Noncurrent loans to loans | 0.2372% | 2,440 |
| Net loans and leases to total assets | 47.8900% | 3,636 |
| Net loans and leases to deposits | 52.9764% | 3,668 |
| Net loans and leases to core deposits | 57.0521% | 3,560 |
| Total domestic deposits to total assets | 90.3900% | 1,483 |
| Equity capital to assets | 8.7715% | 2,363 |
| Core capital (leverage) ratio | 10.6987% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4741% | 301 |
| Memoranda: | ||
| Average total assets | $1,107,181,000 | 902 |
| Average earning assets | $1,074,929,000 | 873 |
| Average equity | $90,548,750 | 1,039 |
| Average total loans | $616,200,500 | 1,014 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0818% | 3,355 |
| Cost of funding earning assets | 0.1803% | 3,177 |
| Net interest margin | 2.9015% | 3,170 |
| Noninterest income to average assets | 0.6905% | 1,383 |
| Noninterest expense to average assets | 2.7153% | 1,353 |
| Loan and lease loss provision to assets | 0.1845% | 474 |
| Net operating income to assets | 0.4839% | 3,939 |
| Return on assets (ROA) | 0.4028% | 4,052 |
| Pretax return on assets | 0.4977% | 4,004 |
| Return on Equity (ROE) | 5.1071% | 3,791 |
| Retained earnings to average equity (ytd only) | 5.1071% | 2,666 |
| Net charge-offs to loans | 0.0082% | 1,689 |
| Credit loss provision to net charge-offs | 3,808.3333% | 139 |
| Earnings coverage of net charge-offs (x) | 161.4583% | 606 |
| Efficiency ratio | 77.6309% | 1,113 |
| Assets per employee ($millions) | 6.1385% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 2,867 |
| Loan loss allowance to noncurrent loans | 561.3788% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 2,841 |
| Noncurrent loans to loans | 0.2078% | 2,675 |
| Net loans and leases to total assets | 58.7116% | 2,461 |
| Net loans and leases to deposits | 63.3810% | 2,778 |
| Net loans and leases to core deposits | 66.7360% | 2,759 |
| Total domestic deposits to total assets | 92.6329% | 604 |
| Equity capital to assets | 6.8166% | 3,859 |
| Core capital (leverage) ratio | 6.9252% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2478% | 1,375 |
| Memoranda: | ||
| Average total assets | $990,518,667 | 986 |
| Average earning assets | $958,329,667 | 948 |
| Average equity | $78,126,333 | 1,194 |
| Average total loans | $586,169,667 | 1,040 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8867% | 3,564 |
| Cost of funding earning assets | 0.1935% | 2,882 |
| Net interest margin | 2.6932% | 3,419 |
| Noninterest income to average assets | 0.6519% | 1,486 |
| Noninterest expense to average assets | 2.6249% | 1,538 |
| Loan and lease loss provision to assets | 0.1060% | 791 |
| Net operating income to assets | 0.4880% | 3,743 |
| Return on assets (ROA) | 0.3419% | 4,037 |
| Pretax return on assets | 0.3700% | 4,084 |
| Return on Equity (ROE) | 4.0176% | 3,875 |
| Retained earnings to average equity (ytd only) | 4.0176% | 2,929 |
| Net charge-offs to loans | 0.0079% | 1,460 |
| Credit loss provision to net charge-offs | 2,263.6364% | 191 |
| Earnings coverage of net charge-offs (x) | 135.5455% | 570 |
| Efficiency ratio | 80.5251% | 1,107 |
| Assets per employee ($millions) | 6.5618% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 2,814 |
| Loan loss allowance to noncurrent loans | 514.1902% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 2,867 |
| Noncurrent loans to loans | 0.2351% | 2,650 |
| Net loans and leases to total assets | 55.6193% | 2,562 |
| Net loans and leases to deposits | 63.0606% | 2,619 |
| Net loans and leases to core deposits | 66.4275% | 2,593 |
| Total domestic deposits to total assets | 88.1998% | 2,430 |
| Equity capital to assets | 7.7922% | 3,735 |
| Core capital (leverage) ratio | 7.7864% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6995% | 1,104 |
| Memoranda: | ||
| Average total assets | $939,452,000 | 1,046 |
| Average earning assets | $909,684,500 | 1,003 |
| Average equity | $79,948,500 | 1,201 |
| Average total loans | $554,711,000 | 1,071 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1133% | 3,659 |
| Cost of funding earning assets | 0.3177% | 2,221 |
| Net interest margin | 2.7956% | 3,671 |
| Noninterest income to average assets | 0.6855% | 1,813 |
| Noninterest expense to average assets | 2.7142% | 1,600 |
| Loan and lease loss provision to assets | 0.0681% | 1,708 |
| Net operating income to assets | 0.4419% | 4,201 |
| Return on assets (ROA) | 0.4212% | 4,277 |
| Pretax return on assets | 0.5684% | 4,158 |
| Return on Equity (ROE) | 4.2445% | 4,166 |
| Retained earnings to average equity (ytd only) | 4.2445% | 3,112 |
| Net charge-offs to loans | -0.0012% | 3,299 |
| Credit loss provision to net charge-offs | -9,050.0000% | 4,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3750% | 784 |
| Assets per employee ($millions) | 6.4799% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,647 |
| Loan loss allowance to noncurrent loans | 491.6851% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 2,839 |
| Noncurrent loans to loans | 0.2532% | 2,710 |
| Net loans and leases to total assets | 61.5121% | 1,997 |
| Net loans and leases to deposits | 68.3780% | 2,273 |
| Net loans and leases to core deposits | 72.8475% | 2,180 |
| Total domestic deposits to total assets | 89.9589% | 985 |
| Equity capital to assets | 9.3573% | 3,265 |
| Core capital (leverage) ratio | 8.3746% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1706% | 1,013 |
| Memoranda: | ||
| Average total assets | $797,472,200 | 1,162 |
| Average earning assets | $767,748,800 | 1,134 |
| Average equity | $79,136,800 | 1,217 |
| Average total loans | $495,683,600 | 1,175 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1699% | 3,659 |
| Cost of funding earning assets | 0.3496% | 2,117 |
| Net interest margin | 2.8203% | 3,734 |
| Noninterest income to average assets | 0.6493% | 2,012 |
| Noninterest expense to average assets | 2.7001% | 1,587 |
| Loan and lease loss provision to assets | 0.0442% | 2,113 |
| Net operating income to assets | 0.4578% | 4,287 |
| Return on assets (ROA) | 0.4384% | 4,347 |
| Pretax return on assets | 0.5933% | 4,242 |
| Return on Equity (ROE) | 4.3490% | 4,251 |
| Retained earnings to average equity (ytd only) | 4.3490% | 3,462 |
| Net charge-offs to loans | -0.0033% | 3,325 |
| Credit loss provision to net charge-offs | -2,158.3333% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3086% | 725 |
| Assets per employee ($millions) | 6.8911% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,525 |
| Loan loss allowance to noncurrent loans | 482.2289% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 3,060 |
| Noncurrent loans to loans | 0.2681% | 2,847 |
| Net loans and leases to total assets | 58.1467% | 2,472 |
| Net loans and leases to deposits | 64.8459% | 2,748 |
| Net loans and leases to core deposits | 69.6091% | 2,631 |
| Total domestic deposits to total assets | 89.6691% | 931 |
| Equity capital to assets | 9.5287% | 3,342 |
| Core capital (leverage) ratio | 8.4211% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $781,383,500 | 1,190 |
| Average earning assets | $751,624,750 | 1,158 |
| Average equity | $78,760,000 | 1,238 |
| Average total loans | $485,402,000 | 1,212 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3326% | 3,351 |
| Cost of funding earning assets | 0.3880% | 1,986 |
| Net interest margin | 2.9446% | 3,460 |
| Noninterest income to average assets | 0.6318% | 2,078 |
| Noninterest expense to average assets | 2.7933% | 1,370 |
| Loan and lease loss provision to assets | 0.0249% | 2,473 |
| Net operating income to assets | 0.4766% | 4,266 |
| Return on assets (ROA) | 0.4567% | 4,332 |
| Pretax return on assets | 0.6182% | 4,204 |
| Return on Equity (ROE) | 4.4413% | 4,244 |
| Retained earnings to average equity (ytd only) | 4.4413% | 3,383 |
| Net charge-offs to loans | 0.0108% | 1,753 |
| Credit loss provision to net charge-offs | 365.3846% | 804 |
| Earnings coverage of net charge-offs (x) | 97.8846% | 762 |
| Efficiency ratio | 80.6934% | 744 |
| Assets per employee ($millions) | 7.0024% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,292 |
| Loan loss allowance to noncurrent loans | 374.2909% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 2,929 |
| Noncurrent loans to loans | 0.3552% | 2,627 |
| Net loans and leases to total assets | 56.6598% | 2,823 |
| Net loans and leases to deposits | 63.3960% | 3,063 |
| Net loans and leases to core deposits | 68.5278% | 2,914 |
| Total domestic deposits to total assets | 89.3744% | 1,095 |
| Equity capital to assets | 9.7602% | 3,084 |
| Core capital (leverage) ratio | 8.9191% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $761,605,667 | 1,218 |
| Average earning assets | $731,926,333 | 1,178 |
| Average equity | $78,310,333 | 1,242 |
| Average total loans | $482,118,333 | 1,218 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4920% | 2,949 |
| Cost of funding earning assets | 0.4451% | 1,758 |
| Net interest margin | 3.0468% | 3,140 |
| Noninterest income to average assets | 0.6395% | 2,066 |
| Noninterest expense to average assets | 2.8601% | 1,237 |
| Loan and lease loss provision to assets | 0.1309% | 1,046 |
| Net operating income to assets | 0.4329% | 4,304 |
| Return on assets (ROA) | 0.3917% | 4,398 |
| Pretax return on assets | 0.5194% | 4,310 |
| Return on Equity (ROE) | 3.7057% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.7057% | 3,591 |
| Net charge-offs to loans | 0.0106% | 1,546 |
| Credit loss provision to net charge-offs | 1,853.8462% | 256 |
| Earnings coverage of net charge-offs (x) | 99.4615% | 617 |
| Efficiency ratio | 80.2806% | 803 |
| Assets per employee ($millions) | 6.4355% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,410 |
| Loan loss allowance to noncurrent loans | 400.7561% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 3,081 |
| Noncurrent loans to loans | 0.3260% | 2,932 |
| Net loans and leases to total assets | 64.9118% | 1,929 |
| Net loans and leases to deposits | 73.2191% | 2,190 |
| Net loans and leases to core deposits | 79.9155% | 2,010 |
| Total domestic deposits to total assets | 88.6542% | 1,535 |
| Equity capital to assets | 10.5317% | 2,241 |
| Core capital (leverage) ratio | 9.3449% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $736,203,000 | 1,236 |
| Average earning assets | $706,306,000 | 1,201 |
| Average equity | $77,825,500 | 1,238 |
| Average total loans | $489,958,000 | 1,203 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8589% | 3,138 |
| Cost of funding earning assets | 0.6687% | 1,881 |
| Net interest margin | 3.1902% | 3,387 |
| Noninterest income to average assets | 0.8304% | 1,451 |
| Noninterest expense to average assets | 2.9498% | 1,546 |
| Loan and lease loss provision to assets | 0.1684% | 2,280 |
| Net operating income to assets | 0.5393% | 3,941 |
| Return on assets (ROA) | 0.5563% | 3,986 |
| Pretax return on assets | 0.7624% | 3,732 |
| Return on Equity (ROE) | 5.0652% | 3,888 |
| Retained earnings to average equity (ytd only) | 5.0652% | 2,247 |
| Net charge-offs to loans | -0.0130% | 4,320 |
| Credit loss provision to net charge-offs | -1,820.3125% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4373% | 1,175 |
| Assets per employee ($millions) | 6.3680% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,728 |
| Loan loss allowance to noncurrent loans | 290.9393% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 2,849 |
| Noncurrent loans to loans | 0.4275% | 2,698 |
| Net loans and leases to total assets | 66.5037% | 2,018 |
| Net loans and leases to deposits | 75.1194% | 2,372 |
| Net loans and leases to core deposits | 82.1659% | 2,177 |
| Total domestic deposits to total assets | 88.5306% | 1,204 |
| Equity capital to assets | 10.6111% | 2,584 |
| Core capital (leverage) ratio | 9.3857% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $691,854,600 | 1,195 |
| Average earning assets | $656,823,200 | 1,170 |
| Average equity | $75,988,800 | 1,207 |
| Average total loans | $492,596,600 | 1,155 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 3,071 |
| Cost of funding earning assets | 0.7154% | 1,929 |
| Net interest margin | 3.2514% | 3,330 |
| Noninterest income to average assets | 0.8494% | 1,352 |
| Noninterest expense to average assets | 2.9426% | 1,578 |
| Loan and lease loss provision to assets | 0.1985% | 2,001 |
| Net operating income to assets | 0.5678% | 3,861 |
| Return on assets (ROA) | 0.5943% | 3,884 |
| Pretax return on assets | 0.8216% | 3,589 |
| Return on Equity (ROE) | 5.3626% | 3,768 |
| Retained earnings to average equity (ytd only) | 5.3626% | 2,398 |
| Net charge-offs to loans | 0.0089% | 2,786 |
| Credit loss provision to net charge-offs | 3,075.7576% | 342 |
| Earnings coverage of net charge-offs (x) | 152.8485% | 593 |
| Efficiency ratio | 74.8930% | 1,312 |
| Assets per employee ($millions) | 6.1788% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,691 |
| Loan loss allowance to noncurrent loans | 374.6658% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 3,334 |
| Noncurrent loans to loans | 0.3189% | 3,140 |
| Net loans and leases to total assets | 68.4955% | 2,174 |
| Net loans and leases to deposits | 77.6333% | 2,570 |
| Net loans and leases to core deposits | 85.5689% | 2,337 |
| Total domestic deposits to total assets | 88.2294% | 1,100 |
| Equity capital to assets | 10.8399% | 2,524 |
| Core capital (leverage) ratio | 9.6057% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $681,737,000 | 1,191 |
| Average earning assets | $645,738,250 | 1,162 |
| Average equity | $75,559,000 | 1,206 |
| Average total loans | $492,456,750 | 1,144 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 3,091 |
| Cost of funding earning assets | 0.7667% | 2,012 |
| Net interest margin | 3.3169% | 3,338 |
| Noninterest income to average assets | 0.9055% | 1,157 |
| Noninterest expense to average assets | 3.0188% | 1,527 |
| Loan and lease loss provision to assets | 0.2014% | 2,035 |
| Net operating income to assets | 0.5813% | 3,798 |
| Return on assets (ROA) | 0.6255% | 3,731 |
| Pretax return on assets | 0.8808% | 3,367 |
| Return on Equity (ROE) | 5.6001% | 3,630 |
| Retained earnings to average equity (ytd only) | 5.6001% | 2,235 |
| Net charge-offs to loans | 0.0102% | 2,582 |
| Credit loss provision to net charge-offs | 2,708.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 137.9600% | 560 |
| Efficiency ratio | 74.6285% | 1,405 |
| Assets per employee ($millions) | 5.9714% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,066 |
| Loan loss allowance to noncurrent loans | 438.8626% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 1,378 |
| Noncurrent loans to loans | 0.2505% | 3,482 |
| Net loans and leases to total assets | 72.1581% | 1,678 |
| Net loans and leases to deposits | 81.9595% | 2,213 |
| Net loans and leases to core deposits | 91.1462% | 1,974 |
| Total domestic deposits to total assets | 88.0412% | 1,155 |
| Equity capital to assets | 10.9830% | 2,360 |
| Core capital (leverage) ratio | 9.8246% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9980% | 906 |
| Memoranda: | ||
| Average total assets | $672,129,000 | 1,184 |
| Average earning assets | $636,196,000 | 1,160 |
| Average equity | $75,070,667 | 1,205 |
| Average total loans | $492,413,000 | 1,127 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 3,164 |
| Cost of funding earning assets | 0.8289% | 2,229 |
| Net interest margin | 3.3878% | 3,328 |
| Noninterest income to average assets | 1.0558% | 768 |
| Noninterest expense to average assets | 3.0792% | 1,695 |
| Loan and lease loss provision to assets | 0.2079% | 1,474 |
| Net operating income to assets | 0.7189% | 3,210 |
| Return on assets (ROA) | 0.7839% | 3,045 |
| Pretax return on assets | 1.0498% | 2,665 |
| Return on Equity (ROE) | 6.9575% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.9575% | 1,552 |
| Net charge-offs to loans | 0.0082% | 2,265 |
| Credit loss provision to net charge-offs | 3,440.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 194.5000% | 356 |
| Efficiency ratio | 72.3722% | 2,027 |
| Assets per employee ($millions) | 5.5751% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 3,370 |
| Loan loss allowance to noncurrent loans | 824.8819% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 1,596 |
| Noncurrent loans to loans | 0.1292% | 4,000 |
| Net loans and leases to total assets | 73.9073% | 1,621 |
| Net loans and leases to deposits | 84.4652% | 2,172 |
| Net loans and leases to core deposits | 97.3508% | 1,694 |
| Total domestic deposits to total assets | 87.5002% | 1,334 |
| Equity capital to assets | 11.4591% | 2,476 |
| Core capital (leverage) ratio | 10.0152% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3607% | 937 |
| Memoranda: | ||
| Average total assets | $661,853,500 | 1,168 |
| Average earning assets | $624,950,500 | 1,146 |
| Average equity | $74,567,500 | 1,207 |
| Average total loans | $485,929,000 | 1,117 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 3,345 |
| Cost of funding earning assets | 0.8592% | 2,381 |
| Net interest margin | 3.5067% | 3,429 |
| Noninterest income to average assets | 1.2724% | 584 |
| Noninterest expense to average assets | 3.5727% | 875 |
| Loan and lease loss provision to assets | 0.1211% | 1,749 |
| Net operating income to assets | 0.6611% | 3,984 |
| Return on assets (ROA) | 0.6919% | 3,955 |
| Pretax return on assets | 0.9268% | 3,657 |
| Return on Equity (ROE) | 6.4632% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.4632% | 1,628 |
| Net charge-offs to loans | 0.1686% | 1,203 |
| Credit loss provision to net charge-offs | 100.5006% | 2,453 |
| Earnings coverage of net charge-offs (x) | 8.3705% | 2,779 |
| Efficiency ratio | 77.9804% | 1,154 |
| Assets per employee ($millions) | 5.7900% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,377 |
| Loan loss allowance to noncurrent loans | 5,908.4337% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 1,739 |
| Noncurrent loans to loans | 0.0173% | 4,508 |
| Net loans and leases to total assets | 71.4143% | 2,187 |
| Net loans and leases to deposits | 81.4139% | 2,626 |
| Net loans and leases to core deposits | 93.7638% | 2,086 |
| Total domestic deposits to total assets | 87.7176% | 1,265 |
| Equity capital to assets | 11.0761% | 2,922 |
| Core capital (leverage) ratio | 9.7949% | 3,735 |
| Tier 1 risk-based capital ratio | 18.1150% | 1,734 |
| Total risk-based capital ratio | 19.3680% | 1,688 |
| Memoranda: | ||
| Average total assets | $662,939,800 | 1,131 |
| Average earning assets | $625,605,200 | 1,104 |
| Average equity | $70,971,200 | 1,209 |
| Average total loans | $473,972,800 | 1,123 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 3,530 |
| Cost of funding earning assets | 0.8594% | 2,417 |
| Net interest margin | 3.4846% | 3,609 |
| Noninterest income to average assets | 1.2314% | 602 |
| Noninterest expense to average assets | 3.6048% | 844 |
| Loan and lease loss provision to assets | 0.1115% | 1,753 |
| Net operating income to assets | 0.5991% | 4,294 |
| Return on assets (ROA) | 0.6429% | 4,225 |
| Pretax return on assets | 0.8611% | 3,974 |
| Return on Equity (ROE) | 6.0578% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.0578% | 2,346 |
| Net charge-offs to loans | 0.2202% | 805 |
| Credit loss provision to net charge-offs | 71.0256% | 2,606 |
| Earnings coverage of net charge-offs (x) | 5.8410% | 2,879 |
| Efficiency ratio | 79.7150% | 947 |
| Assets per employee ($millions) | 5.5413% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,541 |
| Loan loss allowance to noncurrent loans | 77,900.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.7488% | 1,832 |
| Noncurrent loans to loans | 0.0013% | 4,693 |
| Net loans and leases to total assets | 70.4033% | 2,411 |
| Net loans and leases to deposits | 79.6464% | 2,935 |
| Net loans and leases to core deposits | 92.7718% | 2,291 |
| Total domestic deposits to total assets | 88.3949% | 876 |
| Equity capital to assets | 11.0629% | 3,046 |
| Core capital (leverage) ratio | 9.3656% | 4,308 |
| Tier 1 risk-based capital ratio | 18.1455% | 1,774 |
| Total risk-based capital ratio | 19.3986% | 1,733 |
| Memoranda: | ||
| Average total assets | $662,213,250 | 1,131 |
| Average earning assets | $625,358,500 | 1,103 |
| Average equity | $70,276,500 | 1,214 |
| Average total loans | $472,362,750 | 1,131 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 3,563 |
| Cost of funding earning assets | 0.8437% | 2,428 |
| Net interest margin | 3.4811% | 3,653 |
| Noninterest income to average assets | 1.2129% | 579 |
| Noninterest expense to average assets | 3.5432% | 911 |
| Loan and lease loss provision to assets | 0.2286% | 718 |
| Net operating income to assets | 0.5395% | 4,447 |
| Return on assets (ROA) | 0.5847% | 4,385 |
| Pretax return on assets | 0.7832% | 4,129 |
| Return on Equity (ROE) | 5.5871% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.5871% | 2,479 |
| Net charge-offs to loans | 0.3168% | 545 |
| Credit loss provision to net charge-offs | 101.0638% | 1,947 |
| Earnings coverage of net charge-offs (x) | 4.2207% | 2,753 |
| Efficiency ratio | 78.7763% | 1,073 |
| Assets per employee ($millions) | 5.5744% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,395 |
| Loan loss allowance to noncurrent loans | 100.4503% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 1,843 |
| Noncurrent loans to loans | 1.0343% | 1,583 |
| Net loans and leases to total assets | 72.2930% | 2,174 |
| Net loans and leases to deposits | 81.6431% | 2,772 |
| Net loans and leases to core deposits | 95.0387% | 2,150 |
| Total domestic deposits to total assets | 88.5476% | 858 |
| Equity capital to assets | 10.9750% | 3,093 |
| Core capital (leverage) ratio | 9.2842% | 4,374 |
| Tier 1 risk-based capital ratio | 17.5946% | 1,909 |
| Total risk-based capital ratio | 18.8482% | 1,865 |
| Memoranda: | ||
| Average total assets | $664,991,670 | 1,121 |
| Average earning assets | $627,504,000 | 1,099 |
| Average equity | $69,589,330 | 1,216 |
| Average total loans | $474,808,330 | 1,130 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 3,309 |
| Cost of funding earning assets | 0.8373% | 2,339 |
| Net interest margin | 3.5405% | 3,459 |
| Noninterest income to average assets | 1.2672% | 523 |
| Noninterest expense to average assets | 3.5606% | 886 |
| Loan and lease loss provision to assets | 0.1074% | 1,656 |
| Net operating income to assets | 0.6521% | 4,084 |
| Return on assets (ROA) | 0.4829% | 4,590 |
| Pretax return on assets | 0.7190% | 4,256 |
| Return on Equity (ROE) | 4.7257% | 4,402 |
| Retained earnings to average equity (ytd only) | 4.7257% | 3,030 |
| Net charge-offs to loans | 0.0487% | 1,584 |
| Credit loss provision to net charge-offs | 312.0690% | 799 |
| Earnings coverage of net charge-offs (x) | 30.2414% | 1,327 |
| Efficiency ratio | 77.3853% | 1,340 |
| Assets per employee ($millions) | 5.7074% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,297 |
| Loan loss allowance to noncurrent loans | 402.4840% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 3,874 |
| Noncurrent loans to loans | 0.2658% | 3,610 |
| Net loans and leases to total assets | 70.1538% | 2,454 |
| Net loans and leases to deposits | 78.9106% | 2,959 |
| Net loans and leases to core deposits | 90.8410% | 2,414 |
| Total domestic deposits to total assets | 88.9029% | 905 |
| Equity capital to assets | 10.5047% | 3,341 |
| Core capital (leverage) ratio | 8.8335% | 4,768 |
| Tier 1 risk-based capital ratio | 17.5186% | 1,933 |
| Total risk-based capital ratio | 18.7731% | 1,886 |
| Memoranda: | ||
| Average total assets | $674,265,500 | 1,107 |
| Average earning assets | $634,934,500 | 1,084 |
| Average equity | $68,900,000 | 1,225 |
| Average total loans | $476,024,000 | 1,133 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 3,576 |
| Cost of funding earning assets | 0.7972% | 1,535 |
| Net interest margin | 3.3554% | 4,117 |
| Noninterest income to average assets | 1.4931% | 414 |
| Noninterest expense to average assets | 3.6275% | 838 |
| Loan and lease loss provision to assets | 0.1252% | 1,755 |
| Net operating income to assets | 0.6516% | 4,281 |
| Return on assets (ROA) | 0.6516% | 4,290 |
| Pretax return on assets | 0.8727% | 3,969 |
| Return on Equity (ROE) | 6.4178% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.4178% | 1,969 |
| Net charge-offs to loans | 0.0607% | 2,264 |
| Credit loss provision to net charge-offs | 287.2340% | 1,058 |
| Earnings coverage of net charge-offs (x) | 22.8901% | 1,880 |
| Efficiency ratio | 78.4251% | 1,095 |
| Assets per employee ($millions) | 5.9693% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 3,588 |
| Loan loss allowance to noncurrent loans | 11,395.3488% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 4,886 |
| Noncurrent loans to loans | 0.0089% | 4,771 |
| Net loans and leases to total assets | 69.5827% | 2,631 |
| Net loans and leases to deposits | 79.7451% | 2,982 |
| Net loans and leases to core deposits | 90.7420% | 2,508 |
| Total domestic deposits to total assets | 87.2563% | 1,661 |
| Equity capital to assets | 9.9425% | 3,734 |
| Core capital (leverage) ratio | 8.5406% | 5,006 |
| Tier 1 risk-based capital ratio | 16.4190% | 2,267 |
| Total risk-based capital ratio | 17.6719% | 2,204 |
| Memoranda: | ||
| Average total assets | $646,833,200 | 1,119 |
| Average earning assets | $603,838,600 | 1,108 |
| Average equity | $65,677,000 | 1,226 |
| Average total loans | $464,615,000 | 1,120 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 3,645 |
| Cost of funding earning assets | 0.7763% | 1,441 |
| Net interest margin | 3.3196% | 4,223 |
| Noninterest income to average assets | 1.4854% | 431 |
| Noninterest expense to average assets | 3.6763% | 779 |
| Loan and lease loss provision to assets | 0.1484% | 1,341 |
| Net operating income to assets | 0.5619% | 4,613 |
| Return on assets (ROA) | 0.5619% | 4,618 |
| Pretax return on assets | 0.7526% | 4,421 |
| Return on Equity (ROE) | 5.5027% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.5027% | 2,947 |
| Net charge-offs to loans | 0.0542% | 2,043 |
| Credit loss provision to net charge-offs | 379.1444% | 851 |
| Earnings coverage of net charge-offs (x) | 23.0158% | 1,854 |
| Efficiency ratio | 80.3165% | 913 |
| Assets per employee ($millions) | 6.2192% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,594 |
| Loan loss allowance to noncurrent loans | 6,991.4286% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,962 |
| Noncurrent loans to loans | 0.0147% | 4,848 |
| Net loans and leases to total assets | 70.7861% | 2,533 |
| Net loans and leases to deposits | 81.3938% | 2,880 |
| Net loans and leases to core deposits | 93.6578% | 2,327 |
| Total domestic deposits to total assets | 86.9674% | 1,746 |
| Equity capital to assets | 9.9489% | 3,701 |
| Core capital (leverage) ratio | 8.4304% | 5,127 |
| Tier 1 risk-based capital ratio | 15.8538% | 2,504 |
| Total risk-based capital ratio | 17.1066% | 2,438 |
| Memoranda: | ||
| Average total assets | $636,924,750 | 1,139 |
| Average earning assets | $593,225,000 | 1,127 |
| Average equity | $65,033,250 | 1,233 |
| Average total loans | $460,128,250 | 1,129 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 3,674 |
| Cost of funding earning assets | 0.7330% | 1,455 |
| Net interest margin | 3.3006% | 4,247 |
| Noninterest income to average assets | 1.3704% | 507 |
| Noninterest expense to average assets | 3.5906% | 875 |
| Loan and lease loss provision to assets | 0.1846% | 973 |
| Net operating income to assets | 0.4925% | 4,763 |
| Return on assets (ROA) | 0.4925% | 4,768 |
| Pretax return on assets | 0.6598% | 4,617 |
| Return on Equity (ROE) | 4.7801% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.7801% | 3,195 |
| Net charge-offs to loans | 0.0180% | 2,540 |
| Credit loss provision to net charge-offs | 1,412.1951% | 300 |
| Earnings coverage of net charge-offs (x) | 64.6098% | 953 |
| Efficiency ratio | 80.9603% | 922 |
| Assets per employee ($millions) | 6.2374% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,650 |
| Loan loss allowance to noncurrent loans | 7,671.8750% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,996 |
| Noncurrent loans to loans | 0.0134% | 4,886 |
| Net loans and leases to total assets | 71.3764% | 2,384 |
| Net loans and leases to deposits | 82.1884% | 2,750 |
| Net loans and leases to core deposits | 94.1865% | 2,206 |
| Total domestic deposits to total assets | 86.8448% | 1,907 |
| Equity capital to assets | 9.8666% | 3,758 |
| Core capital (leverage) ratio | 8.4146% | 5,162 |
| Tier 1 risk-based capital ratio | 15.5570% | 2,614 |
| Total risk-based capital ratio | 16.8099% | 2,548 |
| Memoranda: | ||
| Average total assets | $627,415,330 | 1,160 |
| Average earning assets | $582,557,670 | 1,152 |
| Average equity | $64,642,670 | 1,242 |
| Average total loans | $454,857,000 | 1,137 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 3,840 |
| Cost of funding earning assets | 0.6338% | 1,819 |
| Net interest margin | 3.2988% | 4,194 |
| Noninterest income to average assets | 1.1458% | 704 |
| Noninterest expense to average assets | 3.7184% | 738 |
| Loan and lease loss provision to assets | 0.2437% | 619 |
| Net operating income to assets | 0.2254% | 5,214 |
| Return on assets (ROA) | 0.2254% | 5,216 |
| Pretax return on assets | 0.2254% | 5,242 |
| Return on Equity (ROE) | 2.1370% | 5,160 |
| Retained earnings to average equity (ytd only) | 2.1370% | 4,309 |
| Net charge-offs to loans | 0.0126% | 2,301 |
| Credit loss provision to net charge-offs | 2,657.1429% | 144 |
| Earnings coverage of net charge-offs (x) | 51.1429% | 934 |
| Efficiency ratio | 88.7985% | 496 |
| Assets per employee ($millions) | 5.9179% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,778 |
| Loan loss allowance to noncurrent loans | 11,825.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,099 |
| Noncurrent loans to loans | 0.0087% | 4,973 |
| Net loans and leases to total assets | 72.4258% | 2,101 |
| Net loans and leases to deposits | 87.4879% | 1,997 |
| Net loans and leases to core deposits | 95.8311% | 1,991 |
| Total domestic deposits to total assets | 82.7838% | 3,728 |
| Equity capital to assets | 10.2453% | 3,342 |
| Core capital (leverage) ratio | 8.8008% | 4,890 |
| Tier 1 risk-based capital ratio | 15.2982% | 2,734 |
| Total risk-based capital ratio | 16.5514% | 2,675 |
| Memoranda: | ||
| Average total assets | $610,586,500 | 1,199 |
| Average earning assets | $562,988,000 | 1,201 |
| Average equity | $64,390,500 | 1,252 |
| Average total loans | $443,874,500 | 1,165 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 3,887 |
| Cost of funding earning assets | 0.6058% | 1,559 |
| Net interest margin | 3.2422% | 4,328 |
| Noninterest income to average assets | 1.9211% | 311 |
| Noninterest expense to average assets | 4.0696% | 485 |
| Loan and lease loss provision to assets | 0.0429% | 3,386 |
| Net operating income to assets | 1.8513% | 370 |
| Return on assets (ROA) | 1.8513% | 377 |
| Pretax return on assets | 0.8446% | 4,110 |
| Return on Equity (ROE) | 17.5618% | 342 |
| Retained earnings to average equity (ytd only) | 17.5618% | 56 |
| Net charge-offs to loans | 0.0126% | 3,645 |
| Credit loss provision to net charge-offs | 476.0000% | 657 |
| Earnings coverage of net charge-offs (x) | 98.3800% | 653 |
| Efficiency ratio | 82.0673% | 922 |
| Assets per employee ($millions) | 5.6622% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,813 |
| Loan loss allowance to noncurrent loans | 5,331.7073% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 5,092 |
| Noncurrent loans to loans | 0.0191% | 4,933 |
| Net loans and leases to total assets | 71.3718% | 2,325 |
| Net loans and leases to deposits | 80.7910% | 2,836 |
| Net loans and leases to core deposits | 89.1534% | 2,642 |
| Total domestic deposits to total assets | 88.3413% | 1,333 |
| Equity capital to assets | 10.9632% | 2,666 |
| Core capital (leverage) ratio | 8.8004% | 4,861 |
| Tier 1 risk-based capital ratio | 16.0047% | 2,428 |
| Total risk-based capital ratio | 17.2577% | 2,368 |
| Memoranda: | ||
| Average total assets | $554,257,600 | 1,273 |
| Average earning assets | $519,001,600 | 1,261 |
| Average equity | $58,427,800 | 1,342 |
| Average total loans | $398,256,200 | 1,236 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 3,948 |
| Cost of funding earning assets | 0.5952% | 1,559 |
| Net interest margin | 3.2217% | 4,399 |
| Noninterest income to average assets | 1.7503% | 383 |
| Noninterest expense to average assets | 4.0120% | 511 |
| Loan and lease loss provision to assets | 0.0152% | 3,839 |
| Net operating income to assets | 0.7585% | 3,701 |
| Return on assets (ROA) | 0.7585% | 3,758 |
| Pretax return on assets | 0.7585% | 4,456 |
| Return on Equity (ROE) | 7.2751% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.2751% | 1,552 |
| Net charge-offs to loans | 0.0171% | 3,168 |
| Credit loss provision to net charge-offs | 124.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 63.1552% | 958 |
| Efficiency ratio | 83.8018% | 768 |
| Assets per employee ($millions) | 5.5763% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,857 |
| Loan loss allowance to noncurrent loans | 1,462.0209% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 4,981 |
| Noncurrent loans to loans | 0.0710% | 4,793 |
| Net loans and leases to total assets | 70.3578% | 2,506 |
| Net loans and leases to deposits | 78.9164% | 3,077 |
| Net loans and leases to core deposits | 87.7534% | 2,800 |
| Total domestic deposits to total assets | 89.1549% | 801 |
| Equity capital to assets | 10.2932% | 3,593 |
| Core capital (leverage) ratio | 8.8196% | 4,942 |
| Tier 1 risk-based capital ratio | 16.5804% | 2,296 |
| Total risk-based capital ratio | 17.8340% | 2,249 |
| Memoranda: | ||
| Average total assets | $544,190,500 | 1,304 |
| Average earning assets | $512,719,000 | 1,284 |
| Average equity | $56,740,000 | 1,397 |
| Average total loans | $390,646,250 | 1,266 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 3,970 |
| Cost of funding earning assets | 0.5918% | 1,500 |
| Net interest margin | 3.1863% | 4,458 |
| Noninterest income to average assets | 1.6742% | 408 |
| Noninterest expense to average assets | 3.9108% | 590 |
| Loan and lease loss provision to assets | 0.0056% | 3,803 |
| Net operating income to assets | 0.7571% | 3,600 |
| Return on assets (ROA) | 0.7571% | 3,653 |
| Pretax return on assets | 0.7571% | 4,416 |
| Return on Equity (ROE) | 7.2270% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.2270% | 1,483 |
| Net charge-offs to loans | 0.0264% | 2,687 |
| Credit loss provision to net charge-offs | 29.4118% | 2,726 |
| Earnings coverage of net charge-offs (x) | 40.0784% | 1,251 |
| Efficiency ratio | 83.6487% | 870 |
| Assets per employee ($millions) | 5.2560% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,951 |
| Loan loss allowance to noncurrent loans | 1,118.0593% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 4,932 |
| Noncurrent loans to loans | 0.0922% | 4,756 |
| Net loans and leases to total assets | 72.1317% | 2,181 |
| Net loans and leases to deposits | 82.5938% | 2,642 |
| Net loans and leases to core deposits | 91.6907% | 2,364 |
| Total domestic deposits to total assets | 87.3331% | 1,788 |
| Equity capital to assets | 10.4407% | 3,415 |
| Core capital (leverage) ratio | 9.0789% | 4,634 |
| Tier 1 risk-based capital ratio | 16.4448% | 2,342 |
| Total risk-based capital ratio | 17.6976% | 2,292 |
| Memoranda: | ||
| Average total assets | $536,006,330 | 1,327 |
| Average earning assets | $504,536,330 | 1,308 |
| Average equity | $56,150,670 | 1,412 |
| Average total loans | $386,069,000 | 1,283 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 4,057 |
| Cost of funding earning assets | 0.5944% | 1,413 |
| Net interest margin | 3.1247% | 4,584 |
| Noninterest income to average assets | 1.5103% | 477 |
| Noninterest expense to average assets | 4.0151% | 530 |
| Loan and lease loss provision to assets | 0.0462% | 2,880 |
| Net operating income to assets | 0.3833% | 4,996 |
| Return on assets (ROA) | 0.3833% | 5,021 |
| Pretax return on assets | 0.3833% | 5,192 |
| Return on Equity (ROE) | 3.6501% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.6501% | 3,612 |
| Net charge-offs to loans | 0.0053% | 2,790 |
| Credit loss provision to net charge-offs | 1,220.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 113.4000% | 481 |
| Efficiency ratio | 90.3033% | 544 |
| Assets per employee ($millions) | 5.0074% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,709 |
| Loan loss allowance to noncurrent loans | 346.6885% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 4,317 |
| Noncurrent loans to loans | 0.3177% | 3,984 |
| Net loans and leases to total assets | 70.3887% | 2,310 |
| Net loans and leases to deposits | 82.2357% | 2,473 |
| Net loans and leases to core deposits | 89.1030% | 2,446 |
| Total domestic deposits to total assets | 85.5939% | 2,843 |
| Equity capital to assets | 10.3167% | 3,391 |
| Core capital (leverage) ratio | 8.9770% | 4,766 |
| Tier 1 risk-based capital ratio | 16.7185% | 2,273 |
| Total risk-based capital ratio | 17.9728% | 2,241 |
| Memoranda: | ||
| Average total assets | $528,105,500 | 1,352 |
| Average earning assets | $495,927,000 | 1,327 |
| Average equity | $55,450,000 | 1,420 |
| Average total loans | $377,990,000 | 1,311 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 4,426 |
| Cost of funding earning assets | 0.5911% | 1,399 |
| Net interest margin | 3.0424% | 4,869 |
| Noninterest income to average assets | 3.4774% | 167 |
| Noninterest expense to average assets | 5.7206% | 184 |
| Loan and lease loss provision to assets | 0.2777% | 723 |
| Net operating income to assets | 0.2247% | 5,371 |
| Return on assets (ROA) | 0.2395% | 5,408 |
| Pretax return on assets | 0.2395% | 5,441 |
| Return on Equity (ROE) | 1.8810% | 5,429 |
| Retained earnings to average equity (ytd only) | 1.8810% | 4,462 |
| Net charge-offs to loans | 0.0138% | 3,823 |
| Credit loss provision to net charge-offs | 2,997.5000% | 144 |
| Earnings coverage of net charge-offs (x) | 54.2250% | 959 |
| Efficiency ratio | 91.8971% | 462 |
| Assets per employee ($millions) | 4.4432% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.1847% | 2,305 |
| Net loans and leases to deposits | 85.7184% | 2,220 |
| Net loans and leases to core deposits | 93.6594% | 2,137 |
| Total domestic deposits to total assets | 83.0449% | 3,753 |
| Equity capital to assets | 10.6919% | 2,936 |
| Core capital (leverage) ratio | 9.5402% | 4,029 |
| Tier 1 risk-based capital ratio | 17.1723% | 2,099 |
| Total risk-based capital ratio | 18.4267% | 2,060 |
| Memoranda: | ||
| Average total assets | $431,734,400 | 1,574 |
| Average earning assets | $389,630,000 | 1,608 |
| Average equity | $54,970,000 | 1,399 |
| Average total loans | $290,328,400 | 1,562 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5957% | 4,563 |
| Cost of funding earning assets | 0.5892% | 1,416 |
| Net interest margin | 3.0065% | 5,002 |
| Noninterest income to average assets | 3.7768% | 157 |
| Noninterest expense to average assets | 6.2683% | 156 |
| Loan and lease loss provision to assets | 0.2470% | 771 |
| Net operating income to assets | -0.0523% | 5,746 |
| Return on assets (ROA) | -0.0315% | 5,753 |
| Pretax return on assets | -0.0315% | 5,744 |
| Return on Equity (ROE) | -0.2354% | 5,751 |
| Retained earnings to average equity (ytd only) | -0.2354% | 5,402 |
| Net charge-offs to loans | 0.0192% | 3,320 |
| Credit loss provision to net charge-offs | 1,951.2821% | 239 |
| Earnings coverage of net charge-offs (x) | 15.3842% | 2,182 |
| Efficiency ratio | 96.9569% | 288 |
| Assets per employee ($millions) | 3.7909% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 3,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 4,517 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.7971% | 2,683 |
| Net loans and leases to deposits | 82.9466% | 2,610 |
| Net loans and leases to core deposits | 90.4642% | 2,533 |
| Total domestic deposits to total assets | 82.9415% | 3,625 |
| Equity capital to assets | 11.7692% | 2,285 |
| Core capital (leverage) ratio | 10.0136% | 3,555 |
| Tier 1 risk-based capital ratio | 18.1800% | 1,864 |
| Total risk-based capital ratio | 19.4364% | 1,835 |
| Memoranda: | ||
| Average total assets | $410,816,250 | 1,644 |
| Average earning assets | $367,063,250 | 1,700 |
| Average equity | $54,935,750 | 1,405 |
| Average total loans | $270,141,750 | 1,671 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5182% | 4,816 |
| Cost of funding earning assets | 0.5934% | 1,370 |
| Net interest margin | 2.9248% | 5,222 |
| Noninterest income to average assets | 4.0497% | 153 |
| Noninterest expense to average assets | 6.3411% | 157 |
| Loan and lease loss provision to assets | 0.1896% | 1,147 |
| Net operating income to assets | 0.0943% | 5,671 |
| Return on assets (ROA) | 0.0943% | 5,717 |
| Pretax return on assets | 0.0943% | 5,731 |
| Return on Equity (ROE) | 0.6727% | 5,734 |
| Retained earnings to average equity (ytd only) | 0.6727% | 5,103 |
| Net charge-offs to loans | 0.0190% | 3,116 |
| Credit loss provision to net charge-offs | 1,550.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 23.2083% | 1,598 |
| Efficiency ratio | 95.6833% | 357 |
| Assets per employee ($millions) | 3.4301% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 4,474 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 68.7654% | 2,667 |
| Net loans and leases to deposits | 79.6249% | 2,980 |
| Net loans and leases to core deposits | 86.9545% | 2,823 |
| Total domestic deposits to total assets | 86.3617% | 2,234 |
| Equity capital to assets | 13.1367% | 1,424 |
| Core capital (leverage) ratio | 10.8488% | 2,596 |
| Tier 1 risk-based capital ratio | 19.5163% | 1,563 |
| Total risk-based capital ratio | 20.7704% | 1,524 |
| Memoranda: | ||
| Average total assets | $392,329,330 | 1,721 |
| Average earning assets | $345,462,670 | 1,797 |
| Average equity | $54,998,330 | 1,410 |
| Average total loans | $252,011,670 | 1,786 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 4,761 |
| Cost of funding earning assets | 0.5926% | 1,382 |
| Net interest margin | 2.9583% | 5,204 |
| Noninterest income to average assets | 3.2357% | 185 |
| Noninterest expense to average assets | 6.3357% | 159 |
| Loan and lease loss provision to assets | 0.0148% | 3,497 |
| Net operating income to assets | -0.5605% | 5,976 |
| Return on assets (ROA) | -0.5605% | 5,983 |
| Pretax return on assets | -0.5605% | 5,975 |
| Return on Equity (ROE) | -3.8623% | 5,958 |
| Retained earnings to average equity (ytd only) | -3.8623% | 5,542 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3870% | 162 |
| Assets per employee ($millions) | 3.1762% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 3,249 |
| Loan loss allowance to noncurrent loans | 11,688.4615% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 4,423 |
| Noncurrent loans to loans | 0.0106% | 5,477 |
| Net loans and leases to total assets | 62.4014% | 3,470 |
| Net loans and leases to deposits | 72.9664% | 3,554 |
| Net loans and leases to core deposits | 79.3195% | 3,382 |
| Total domestic deposits to total assets | 85.5207% | 2,909 |
| Equity capital to assets | 14.0788% | 951 |
| Core capital (leverage) ratio | 11.9508% | 1,640 |
| Tier 1 risk-based capital ratio | 23.9871% | 916 |
| Total risk-based capital ratio | 25.2434% | 903 |
| Memoranda: | ||
| Average total assets | $377,543,500 | 1,775 |
| Average earning assets | $325,994,000 | 1,904 |
| Average equity | $54,785,500 | 1,411 |
| Average total loans | $231,270,000 | 1,905 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4271% | 5,104 |
| Cost of funding earning assets | 0.3496% | 3,703 |
| Net interest margin | 3.0775% | 4,955 |
| Noninterest income to average assets | 7.5125% | 83 |
| Noninterest expense to average assets | 8.9741% | 88 |
| Loan and lease loss provision to assets | 0.4203% | 312 |
| Net operating income to assets | 0.6001% | 4,266 |
| Return on assets (ROA) | 0.6595% | 4,083 |
| Pretax return on assets | 0.6595% | 4,647 |
| Return on Equity (ROE) | 3.6940% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.6940% | 3,420 |
| Net charge-offs to loans | 0.0451% | 3,311 |
| Credit loss provision to net charge-offs | 1,667.1053% | 210 |
| Earnings coverage of net charge-offs (x) | 40.4737% | 1,171 |
| Efficiency ratio | 89.7640% | 700 |
| Assets per employee ($millions) | 2.9885% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 2,478 |
| Loan loss allowance to noncurrent loans | 100,833.3333% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 4,417 |
| Noncurrent loans to loans | 0.0014% | 5,572 |
| Net loans and leases to total assets | 58.4000% | 4,030 |
| Net loans and leases to deposits | 69.0975% | 4,020 |
| Net loans and leases to core deposits | 73.8379% | 3,956 |
| Total domestic deposits to total assets | 84.5183% | 3,278 |
| Equity capital to assets | 14.9667% | 670 |
| Core capital (leverage) ratio | 12.8596% | 1,204 |
| Tier 1 risk-based capital ratio | 25.8269% | 750 |
| Total risk-based capital ratio | 27.0856% | 734 |
| Memoranda: | ||
| Average total assets | $301,458,000 | 2,140 |
| Average earning assets | $243,120,400 | 2,394 |
| Average equity | $53,817,200 | 1,386 |
| Average total loans | $168,621,000 | 2,367 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3647% | 5,288 |
| Cost of funding earning assets | 0.2718% | 4,643 |
| Net interest margin | 3.0929% | 4,983 |
| Noninterest income to average assets | 7.6921% | 88 |
| Noninterest expense to average assets | 9.3126% | 86 |
| Loan and lease loss provision to assets | 0.4577% | 233 |
| Net operating income to assets | 0.3982% | 5,170 |
| Return on assets (ROA) | 0.4820% | 4,949 |
| Pretax return on assets | 0.4820% | 5,265 |
| Return on Equity (ROE) | 2.5661% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.5661% | 4,594 |
| Net charge-offs to loans | 0.0614% | 2,715 |
| Credit loss provision to net charge-offs | 1,358.3333% | 271 |
| Earnings coverage of net charge-offs (x) | 25.4022% | 1,668 |
| Efficiency ratio | 91.5555% | 595 |
| Assets per employee ($millions) | 2.5612% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 2,874 |
| Loan loss allowance to noncurrent loans | 16,117.6471% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 4,384 |
| Noncurrent loans to loans | 0.0084% | 5,612 |
| Net loans and leases to total assets | 63.6947% | 3,352 |
| Net loans and leases to deposits | 77.5758% | 3,144 |
| Net loans and leases to core deposits | 81.9760% | 3,253 |
| Total domestic deposits to total assets | 82.1064% | 4,129 |
| Equity capital to assets | 17.2032% | 414 |
| Core capital (leverage) ratio | 13.3661% | 1,067 |
| Tier 1 risk-based capital ratio | 27.9242% | 624 |
| Total risk-based capital ratio | 29.1822% | 609 |
| Memoranda: | ||
| Average total assets | $284,925,250 | 2,255 |
| Average earning assets | $228,130,250 | 2,546 |
| Average equity | $53,517,500 | 1,403 |
| Average total loans | $156,352,000 | 2,527 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1752% | 5,655 |
| Cost of funding earning assets | 0.2434% | 5,017 |
| Net interest margin | 2.9318% | 5,378 |
| Noninterest income to average assets | 6.9809% | 98 |
| Noninterest expense to average assets | 9.0967% | 91 |
| Loan and lease loss provision to assets | 0.5457% | 173 |
| Net operating income to assets | -0.3478% | 6,147 |
| Return on assets (ROA) | -0.2488% | 6,141 |
| Pretax return on assets | -0.2488% | 6,130 |
| Return on Equity (ROE) | -1.2835% | 6,096 |
| Retained earnings to average equity (ytd only) | -1.2835% | 5,737 |
| Net charge-offs to loans | 0.0057% | 3,699 |
| Credit loss provision to net charge-offs | 18,750.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 783 |
| Efficiency ratio | 97.8395% | 382 |
| Assets per employee ($millions) | 2.1179% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 2,500 |
| Loan loss allowance to noncurrent loans | 4,690.9091% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 4,306 |
| Noncurrent loans to loans | 0.0310% | 5,628 |
| Net loans and leases to total assets | 61.6719% | 3,600 |
| Net loans and leases to deposits | 79.8289% | 2,812 |
| Net loans and leases to core deposits | 84.9938% | 2,882 |
| Total domestic deposits to total assets | 77.2552% | 5,417 |
| Equity capital to assets | 18.6076% | 286 |
| Core capital (leverage) ratio | 14.6069% | 687 |
| Tier 1 risk-based capital ratio | 30.7538% | 503 |
| Total risk-based capital ratio | 32.0140% | 497 |
| Memoranda: | ||
| Average total assets | $274,891,000 | 2,339 |
| Average earning assets | $216,931,670 | 2,648 |
| Average equity | $53,291,670 | 1,420 |
| Average total loans | $140,670,670 | 2,742 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0955% | 5,789 |
| Cost of funding earning assets | 0.2293% | 5,223 |
| Net interest margin | 2.8662% | 5,516 |
| Noninterest income to average assets | 7.3158% | 98 |
| Noninterest expense to average assets | 8.7984% | 102 |
| Loan and lease loss provision to assets | 0.3372% | 397 |
| Net operating income to assets | 0.3519% | 5,246 |
| Return on assets (ROA) | 0.5521% | 4,582 |
| Pretax return on assets | 0.5521% | 5,042 |
| Return on Equity (ROE) | 2.7407% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.7407% | 4,310 |
| Net charge-offs to loans | 0.0065% | 3,102 |
| Credit loss provision to net charge-offs | 11,450.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 239 |
| Efficiency ratio | 92.7064% | 669 |
| Assets per employee ($millions) | 2.3064% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 2,161 |
| Loan loss allowance to noncurrent loans | 7,633.3333% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 4,465 |
| Noncurrent loans to loans | 0.0206% | 5,719 |
| Net loans and leases to total assets | 45.5590% | 5,232 |
| Net loans and leases to deposits | 57.1970% | 4,969 |
| Net loans and leases to core deposits | 60.9007% | 4,925 |
| Total domestic deposits to total assets | 79.6528% | 5,133 |
| Equity capital to assets | 19.3736% | 251 |
| Core capital (leverage) ratio | 17.2109% | 343 |
| Tier 1 risk-based capital ratio | 37.0343% | 308 |
| Total risk-based capital ratio | 38.2929% | 304 |
| Memoranda: | ||
| Average total assets | $271,684,500 | 2,372 |
| Average earning assets | $205,845,500 | 2,773 |
| Average equity | $54,730,000 | 1,390 |
| Average total loans | $122,206,000 | 3,056 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2772% | 5,736 |
| Cost of funding earning assets | 0.2391% | 5,431 |
| Net interest margin | 3.0381% | 5,350 |
| Noninterest income to average assets | 13.0272% | 55 |
| Noninterest expense to average assets | 11.2378% | 63 |
| Loan and lease loss provision to assets | 0.4893% | 318 |
| Net operating income to assets | 3.7050% | 65 |
| Return on assets (ROA) | 3.7239% | 65 |
| Pretax return on assets | 3.7239% | 75 |
| Return on Equity (ROE) | 16.7069% | 523 |
| Retained earnings to average equity (ytd only) | 16.7069% | 110 |
| Net charge-offs to loans | 0.0202% | 4,440 |
| Credit loss provision to net charge-offs | 5,794.1176% | 49 |
| Earnings coverage of net charge-offs (x) | 496.6471% | 103 |
| Efficiency ratio | 72.7949% | 3,071 |
| Assets per employee ($millions) | 2.2981% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 2,025 |
| Loan loss allowance to noncurrent loans | 8,733.3333% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 4,083 |
| Noncurrent loans to loans | 0.0186% | 5,820 |
| Net loans and leases to total assets | 42.8494% | 5,554 |
| Net loans and leases to deposits | 54.7202% | 5,274 |
| Net loans and leases to core deposits | 58.6790% | 5,221 |
| Total domestic deposits to total assets | 78.3063% | 5,376 |
| Equity capital to assets | 20.9870% | 190 |
| Core capital (leverage) ratio | 17.5602% | 318 |
| Tier 1 risk-based capital ratio | 43.1603% | 196 |
| Total risk-based capital ratio | 44.4188% | 194 |
| Memoranda: | ||
| Average total assets | $201,294,400 | 2,971 |
| Average earning assets | $159,344,800 | 3,295 |
| Average equity | $44,867,600 | 1,608 |
| Average total loans | $84,293,400 | 3,762 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1245% | 5,996 |
| Cost of funding earning assets | 0.2397% | 5,516 |
| Net interest margin | 2.8847% | 5,734 |
| Noninterest income to average assets | 12.8340% | 58 |
| Noninterest expense to average assets | 11.1929% | 60 |
| Loan and lease loss provision to assets | 0.5306% | 275 |
| Net operating income to assets | 3.4222% | 74 |
| Return on assets (ROA) | 3.4494% | 72 |
| Pretax return on assets | 3.4494% | 89 |
| Return on Equity (ROE) | 15.1670% | 792 |
| Retained earnings to average equity (ytd only) | 15.1670% | 194 |
| Net charge-offs to loans | 0.0208% | 4,113 |
| Credit loss provision to net charge-offs | 6,191.6667% | 65 |
| Earnings coverage of net charge-offs (x) | 461.2388% | 164 |
| Efficiency ratio | 73.8731% | 2,840 |
| Assets per employee ($millions) | 2.4473% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 2,576 |
| Loan loss allowance to noncurrent loans | 79,850.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 4,154 |
| Noncurrent loans to loans | 0.0019% | 6,050 |
| Net loans and leases to total assets | 44.1835% | 5,511 |
| Net loans and leases to deposits | 55.7169% | 5,261 |
| Net loans and leases to core deposits | 59.5579% | 5,225 |
| Total domestic deposits to total assets | 79.2999% | 5,263 |
| Equity capital to assets | 19.6488% | 245 |
| Core capital (leverage) ratio | 13.9988% | 842 |
| Tier 1 risk-based capital ratio | 37.6699% | 284 |
| Total risk-based capital ratio | 38.9285% | 282 |
| Memoranda: | ||
| Average total assets | $186,697,000 | 3,172 |
| Average earning assets | $149,610,750 | 3,476 |
| Average equity | $42,459,500 | 1,703 |
| Average total loans | $77,090,000 | 3,989 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9569% | 6,218 |
| Cost of funding earning assets | 0.2392% | 5,593 |
| Net interest margin | 2.7178% | 6,031 |
| Noninterest income to average assets | 11.0889% | 59 |
| Noninterest expense to average assets | 11.1963% | 64 |
| Loan and lease loss provision to assets | 0.4083% | 409 |
| Net operating income to assets | 1.7115% | 562 |
| Return on assets (ROA) | 1.7558% | 553 |
| Pretax return on assets | 1.7558% | 923 |
| Return on Equity (ROE) | 7.2731% | 3,482 |
| Retained earnings to average equity (ytd only) | 7.2731% | 1,632 |
| Net charge-offs to loans | 0.0059% | 4,176 |
| Credit loss provision to net charge-offs | 17,500.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 908.5000% | 71 |
| Efficiency ratio | 84.0459% | 1,508 |
| Assets per employee ($millions) | 2.1755% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 2,926 |
| Loan loss allowance to noncurrent loans | 3,793.7500% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 3,473 |
| Noncurrent loans to loans | 0.0394% | 5,935 |
| Net loans and leases to total assets | 38.6946% | 5,912 |
| Net loans and leases to deposits | 49.4173% | 5,681 |
| Net loans and leases to core deposits | 53.1421% | 5,604 |
| Total domestic deposits to total assets | 78.3017% | 5,582 |
| Equity capital to assets | 20.5380% | 196 |
| Core capital (leverage) ratio | 16.8697% | 372 |
| Tier 1 risk-based capital ratio | 43.4968% | 193 |
| Total risk-based capital ratio | 44.7538% | 190 |
| Memoranda: | ||
| Average total assets | $171,432,000 | 3,363 |
| Average earning assets | $140,483,670 | 3,639 |
| Average equity | $41,385,330 | 1,734 |
| Average total loans | $68,013,330 | 4,295 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 6,246 |
| Cost of funding earning assets | 0.2336% | 5,722 |
| Net interest margin | 2.7608% | 6,014 |
| Noninterest income to average assets | 9.2529% | 66 |
| Noninterest expense to average assets | 11.4349% | 63 |
| Loan and lease loss provision to assets | 0.1248% | 1,940 |
| Net operating income to assets | 0.0598% | 6,106 |
| Return on assets (ROA) | 0.1586% | 5,949 |
| Pretax return on assets | 0.1586% | 5,996 |
| Return on Equity (ROE) | 0.5972% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.5972% | 5,343 |
| Net charge-offs to loans | 0.0065% | 3,523 |
| Credit loss provision to net charge-offs | 4,800.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 585 |
| Efficiency ratio | 98.3662% | 533 |
| Assets per employee ($millions) | 1.8947% | 6,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,099 |
| Loan loss allowance to noncurrent loans | 15,216.6667% | 56 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 3,042 |
| Noncurrent loans to loans | 0.0086% | 6,154 |
| Net loans and leases to total assets | 45.0124% | 5,427 |
| Net loans and leases to deposits | 62.4591% | 4,498 |
| Net loans and leases to core deposits | 70.1529% | 4,074 |
| Total domestic deposits to total assets | 72.0670% | 6,355 |
| Equity capital to assets | 26.6330% | 81 |
| Core capital (leverage) ratio | 20.2237% | 195 |
| Tier 1 risk-based capital ratio | 48.3936% | 148 |
| Total risk-based capital ratio | 49.6389% | 148 |
| Memoranda: | ||
| Average total assets | $153,810,500 | 3,651 |
| Average earning assets | $131,844,000 | 3,802 |
| Average equity | $40,854,500 | 1,746 |
| Average total loans | $61,427,000 | 4,535 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4573% | 6,629 |
| Cost of funding earning assets | 0.2844% | 5,724 |
| Net interest margin | 2.1729% | 6,590 |
| Noninterest income to average assets | 8.6588% | 78 |
| Noninterest expense to average assets | 12.9210% | 59 |
| Loan and lease loss provision to assets | 0.4035% | 736 |
| Net operating income to assets | -2.8671% | 6,757 |
| Return on assets (ROA) | -2.8671% | 6,756 |
| Pretax return on assets | -2.8671% | 6,755 |
| Return on Equity (ROE) | -7.9112% | 6,552 |
| Retained earnings to average equity (ytd only) | -7.9112% | 6,492 |
| Net charge-offs to loans | 0.1730% | 3,095 |
| Credit loss provision to net charge-offs | 823.5294% | 302 |
| Earnings coverage of net charge-offs (x) | -50.2745% | 5,458 |
| Efficiency ratio | 123.4840% | 153 |
| Assets per employee ($millions) | 2.0019% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 2,617 |
| Loan loss allowance to noncurrent loans | 43,300.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 3,209 |
| Noncurrent loans to loans | 0.0038% | 6,302 |
| Net loans and leases to total assets | 33.7295% | 6,310 |
| Net loans and leases to deposits | 46.4207% | 5,981 |
| Net loans and leases to core deposits | 50.2756% | 5,918 |
| Total domestic deposits to total assets | 72.6604% | 6,374 |
| Equity capital to assets | 26.4904% | 79 |
| Core capital (leverage) ratio | 22.7954% | 120 |
| Tier 1 risk-based capital ratio | 51.8609% | 121 |
| Total risk-based capital ratio | 53.1072% | 120 |
| Memoranda: | ||
| Average total assets | $104,078,800 | 4,646 |
| Average earning assets | $86,151,000 | 4,878 |
| Average equity | $37,718,600 | 1,843 |
| Average total loans | $29,474,000 | 5,790 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4778% | 6,700 |
| Cost of funding earning assets | 0.2994% | 5,745 |
| Net interest margin | 2.1784% | 6,660 |
| Noninterest income to average assets | 5.2248% | 136 |
| Noninterest expense to average assets | 13.4683% | 57 |
| Loan and lease loss provision to assets | 0.2374% | 1,516 |
| Net operating income to assets | -6.7116% | 6,884 |
| Return on assets (ROA) | -6.7116% | 6,884 |
| Pretax return on assets | -6.7116% | 6,884 |
| Return on Equity (ROE) | -16.6358% | 6,748 |
| Retained earnings to average equity (ytd only) | -16.6358% | 6,726 |
| Net charge-offs to loans | 0.0339% | 4,453 |
| Credit loss provision to net charge-offs | 2,716.6667% | 121 |
| Earnings coverage of net charge-offs (x) | -740.9813% | 5,211 |
| Efficiency ratio | 192.4422% | 34 |
| Assets per employee ($millions) | 1.4470% | 6,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0148% | 1,687 |
| Loan loss allowance to noncurrent loans | 3,847.0588% | 166 |
| Noncurrent assets plus other real estate owned to assets | 1.1012% | 3,453 |
| Noncurrent loans to loans | 0.0524% | 6,189 |
| Net loans and leases to total assets | 28.5454% | 6,579 |
| Net loans and leases to deposits | 44.8324% | 6,166 |
| Net loans and leases to core deposits | 51.1622% | 5,937 |
| Total domestic deposits to total assets | 63.6714% | 6,758 |
| Equity capital to assets | 35.2310% | 52 |
| Core capital (leverage) ratio | 30.9552% | 60 |
| Tier 1 risk-based capital ratio | 76.5803% | 65 |
| Total risk-based capital ratio | 77.8408% | 63 |
| Memoranda: | ||
| Average total assets | $91,561,000 | 4,985 |
| Average earning assets | $74,364,250 | 5,235 |
| Average equity | $36,939,500 | 1,884 |
| Average total loans | $23,627,500 | 6,109 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5189% | 6,726 |
| Cost of funding earning assets | 0.2960% | 5,858 |
| Net interest margin | 2.2229% | 6,672 |
| Noninterest income to average assets | 3.0562% | 246 |
| Noninterest expense to average assets | 13.0301% | 57 |
| Loan and lease loss provision to assets | -0.1695% | 6,765 |
| Net operating income to assets | -8.0361% | 6,937 |
| Return on assets (ROA) | -8.0361% | 6,936 |
| Pretax return on assets | -8.0361% | 6,937 |
| Return on Equity (ROE) | -18.8730% | 6,819 |
| Retained earnings to average equity (ytd only) | -18.8730% | 6,793 |
| Net charge-offs to loans | 0.0097% | 4,691 |
| Credit loss provision to net charge-offs | -7,200.0000% | 6,254 |
| Earnings coverage of net charge-offs (x) | -3,485.0000% | 4,908 |
| Efficiency ratio | 269.8878% | 15 |
| Assets per employee ($millions) | 1.3363% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 2,238 |
| Loan loss allowance to noncurrent loans | 8,480.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 1.3777% | 3,035 |
| Noncurrent loans to loans | 0.0219% | 6,352 |
| Net loans and leases to total assets | 25.3943% | 6,698 |
| Net loans and leases to deposits | 42.1715% | 6,317 |
| Net loans and leases to core deposits | 50.2231% | 6,015 |
| Total domestic deposits to total assets | 60.2168% | 6,838 |
| Equity capital to assets | 39.0530% | 41 |
| Core capital (leverage) ratio | 29.3966% | 59 |
| Tier 1 risk-based capital ratio | 77.9403% | 59 |
| Total risk-based capital ratio | 79.1975% | 58 |
| Memoranda: | ||
| Average total assets | $84,941,670 | 5,198 |
| Average earning assets | $67,569,000 | 5,456 |
| Average equity | $36,168,000 | 1,929 |
| Average total loans | $20,683,670 | 6,267 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4435% | 6,833 |
| Cost of funding earning assets | 0.2971% | 5,987 |
| Net interest margin | 2.1464% | 6,788 |
| Noninterest income to average assets | 1.1330% | 1,169 |
| Noninterest expense to average assets | 11.6520% | 68 |
| Loan and lease loss provision to assets | -0.2737% | 6,918 |
| Net operating income to assets | -8.5458% | 7,008 |
| Return on assets (ROA) | -8.5458% | 7,009 |
| Pretax return on assets | -8.5458% | 7,008 |
| Return on Equity (ROE) | -19.2271% | 6,893 |
| Retained earnings to average equity (ytd only) | -19.2271% | 6,823 |
| Net charge-offs to loans | 0.1020% | 2,837 |
| Credit loss provision to net charge-offs | -1,140.0000% | 5,650 |
| Earnings coverage of net charge-offs (x) | -367.4000% | 4,143 |
| Efficiency ratio | 411.0169% | 10 |
| Assets per employee ($millions) | 1.3249% | 6,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1163% | 1,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5716% | 2,909 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 24.4933% | 6,760 |
| Net loans and leases to deposits | 44.9348% | 6,127 |
| Net loans and leases to core deposits | 54.3153% | 5,644 |
| Total domestic deposits to total assets | 54.5085% | 6,941 |
| Equity capital to assets | 43.9942% | 41 |
| Core capital (leverage) ratio | 34.9988% | 48 |
| Tier 1 risk-based capital ratio | 87.1824% | 55 |
| Total risk-based capital ratio | 88.4375% | 54 |
| Memoranda: | ||
| Average total assets | $83,316,000 | 5,289 |
| Average earning assets | $65,971,500 | 5,547 |
| Average equity | $37,031,000 | 1,913 |
| Average total loans | $19,615,500 | 6,380 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8874% | 6,823 |
| Cost of funding earning assets | 0.4210% | 5,780 |
| Net interest margin | 2.4664% | 6,733 |
| Noninterest income to average assets | -10.8350% | 7,083 |
| Noninterest expense to average assets | 9.2948% | 91 |
| Loan and lease loss provision to assets | 0.8681% | 533 |
| Net operating income to assets | -18.9914% | 7,083 |
| Return on assets (ROA) | -18.9914% | 7,082 |
| Pretax return on assets | -18.9914% | 7,082 |
| Return on Equity (ROE) | -57.0002% | 7,030 |
| Retained earnings to average equity (ytd only) | -57.0002% | 7,026 |
| Net charge-offs to loans | 0.9479% | 1,166 |
| Credit loss provision to net charge-offs | 260.8414% | 923 |
| Earnings coverage of net charge-offs (x) | -54.4563% | 5,977 |
| Efficiency ratio | -105.1848% | 7,077 |
| Assets per employee ($millions) | 1.4081% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6612% | 963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0028% | 1,581 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 21.5169% | 6,905 |
| Net loans and leases to deposits | 40.0683% | 6,547 |
| Net loans and leases to core deposits | 48.7569% | 6,224 |
| Total domestic deposits to total assets | 53.7006% | 7,006 |
| Equity capital to assets | 44.8862% | 42 |
| Core capital (leverage) ratio | 37.1228% | 46 |
| Tier 1 risk-based capital ratio | 93.4872% | 53 |
| Total risk-based capital ratio | 94.7473% | 53 |
| Memoranda: | ||
| Average total assets | $92,847,200 | 5,004 |
| Average earning assets | $75,535,400 | 5,258 |
| Average equity | $30,935,000 | 2,202 |
| Average total loans | $32,598,000 | 5,822 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9016% | 6,931 |
| Cost of funding earning assets | 0.4427% | 5,850 |
| Net interest margin | 2.4589% | 6,854 |
| Noninterest income to average assets | -14.2617% | 7,181 |
| Noninterest expense to average assets | 7.8309% | 113 |
| Loan and lease loss provision to assets | 1.1544% | 323 |
| Net operating income to assets | -21.2346% | 7,181 |
| Return on assets (ROA) | -21.2346% | 7,181 |
| Pretax return on assets | -21.2346% | 7,181 |
| Return on Equity (ROE) | -69.0678% | 7,147 |
| Retained earnings to average equity (ytd only) | -69.0678% | 7,143 |
| Net charge-offs to loans | 1.1345% | 887 |
| Credit loss provision to net charge-offs | 267.7524% | 1,020 |
| Earnings coverage of net charge-offs (x) | -46.5736% | 5,756 |
| Efficiency ratio | -63.8615% | 7,176 |
| Assets per employee ($millions) | 2.0533% | 6,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9760% | 733 |
| Loan loss allowance to noncurrent loans | 25,750.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 2.8691% | 1,831 |
| Noncurrent loans to loans | 0.0116% | 6,628 |
| Net loans and leases to total assets | 18.5847% | 7,044 |
| Net loans and leases to deposits | 34.3487% | 6,855 |
| Net loans and leases to core deposits | 38.8002% | 6,779 |
| Total domestic deposits to total assets | 54.1060% | 7,098 |
| Equity capital to assets | 44.7627% | 41 |
| Core capital (leverage) ratio | 32.7107% | 58 |
| Tier 1 risk-based capital ratio | 110.7159% | 49 |
| Total risk-based capital ratio | 111.9759% | 49 |
| Memoranda: | ||
| Average total assets | $94,937,250 | 5,013 |
| Average earning assets | $77,701,500 | 5,250 |
| Average equity | $29,188,000 | 2,324 |
| Average total loans | $36,078,500 | 5,750 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9961% | 6,971 |
| Cost of funding earning assets | 0.5057% | 5,579 |
| Net interest margin | 2.4905% | 6,896 |
| Noninterest income to average assets | -23.0251% | 7,245 |
| Noninterest expense to average assets | 7.5797% | 128 |
| Loan and lease loss provision to assets | 1.8058% | 177 |
| Net operating income to assets | -30.3684% | 7,245 |
| Return on assets (ROA) | -30.3684% | 7,245 |
| Pretax return on assets | -30.3684% | 7,245 |
| Return on Equity (ROE) | -115.1693% | 7,212 |
| Retained earnings to average equity (ytd only) | -115.1693% | 7,209 |
| Net charge-offs to loans | 1.4503% | 696 |
| Credit loss provision to net charge-offs | 283.7134% | 1,032 |
| Earnings coverage of net charge-offs (x) | -44.8762% | 5,493 |
| Efficiency ratio | -36.0933% | 7,238 |
| Assets per employee ($millions) | 2.4880% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9739% | 796 |
| Loan loss allowance to noncurrent loans | 28,200.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 3.7283% | 1,399 |
| Noncurrent loans to loans | 0.0105% | 6,683 |
| Net loans and leases to total assets | 17.6091% | 7,114 |
| Net loans and leases to deposits | 30.7884% | 6,989 |
| Net loans and leases to core deposits | 35.2787% | 6,928 |
| Total domestic deposits to total assets | 57.1940% | 7,155 |
| Equity capital to assets | 39.1361% | 44 |
| Core capital (leverage) ratio | 30.5951% | 59 |
| Tier 1 risk-based capital ratio | 131.8637% | 41 |
| Total risk-based capital ratio | 146.1967% | 38 |
| Memoranda: | ||
| Average total assets | $96,468,670 | 4,996 |
| Average earning assets | $79,101,670 | 5,235 |
| Average equity | $25,437,330 | 2,621 |
| Average total loans | $42,336,330 | 5,501 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9020% | 7,076 |
| Cost of funding earning assets | 0.3774% | 6,514 |
| Net interest margin | 2.5246% | 6,934 |
| Noninterest income to average assets | 0.1687% | 6,373 |
| Noninterest expense to average assets | 8.1683% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -5.9445% | 7,280 |
| Return on assets (ROA) | -5.9445% | 7,281 |
| Pretax return on assets | -5.9445% | 7,281 |
| Return on Equity (ROE) | -31.0368% | 7,171 |
| Retained earnings to average equity (ytd only) | -31.0368% | 7,142 |
| Net charge-offs to loans | -0.0148% | 6,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 366.9261% | 12 |
| Assets per employee ($millions) | 2.8262% | 6,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0041% | 7,245 |
| Loan loss allowance to noncurrent loans | 0.0157% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 19.2069% | 55 |
| Noncurrent loans to loans | 26.2460% | 17 |
| Net loans and leases to total assets | 44.0687% | 6,002 |
| Net loans and leases to deposits | 67.0296% | 4,225 |
| Net loans and leases to core deposits | 76.2408% | 3,588 |
| Total domestic deposits to total assets | 65.7452% | 7,113 |
| Equity capital to assets | 30.9587% | 57 |
| Core capital (leverage) ratio | 24.7591% | 100 |
| Tier 1 risk-based capital ratio | 42.0084% | 200 |
| Total risk-based capital ratio | 47.3438% | 153 |
| Memoranda: | ||
| Average total assets | $92,454,500 | 5,141 |
| Average earning assets | $75,258,000 | 5,390 |
| Average equity | $17,708,000 | 3,542 |
| Average total loans | $54,022,000 | 5,071 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 5,414 |
| Cost of funding earning assets | 1.2503% | 1,735 |
| Net interest margin | 3.1527% | 6,211 |
| Noninterest income to average assets | 0.4612% | 4,132 |
| Noninterest expense to average assets | 7.1241% | 136 |
| Loan and lease loss provision to assets | 0.1815% | 4,377 |
| Net operating income to assets | -4.1405% | 7,261 |
| Return on assets (ROA) | -4.1258% | 7,266 |
| Pretax return on assets | -4.1258% | 7,277 |
| Return on Equity (ROE) | -106.2983% | 7,316 |
| Retained earnings to average equity (ytd only) | -106.2983% | 7,316 |
| Net charge-offs to loans | 1.0116% | 1,719 |
| Credit loss provision to net charge-offs | 24.6554% | 5,858 |
| Earnings coverage of net charge-offs (x) | -5.3767% | 6,365 |
| Efficiency ratio | 225.0802% | 44 |
| Assets per employee ($millions) | 3.3949% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2600% | 1,691 |
| Loan loss allowance to noncurrent loans | 10.0328% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 30.6046% | 7 |
| Noncurrent loans to loans | 22.5260% | 32 |
| Net loans and leases to total assets | 77.8237% | 728 |
| Net loans and leases to deposits | 83.9132% | 1,934 |
| Net loans and leases to core deposits | 95.7941% | 1,514 |
| Total domestic deposits to total assets | 92.7431% | 153 |
| Equity capital to assets | 1.7312% | 7,332 |
| Core capital (leverage) ratio | 1.6201% | 7,333 |
| Tier 1 risk-based capital ratio | 1.9943% | 7,340 |
| Total risk-based capital ratio | 3.9887% | 7,324 |
| Memoranda: | ||
| Average total assets | $88,685,000 | 5,214 |
| Average earning assets | $76,061,800 | 5,344 |
| Average equity | $3,442,200 | 6,894 |
| Average total loans | $64,554,000 | 4,698 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 5,140 |
| Cost of funding earning assets | 1.2759% | 1,838 |
| Net interest margin | 3.2602% | 5,985 |
| Noninterest income to average assets | 0.4730% | 4,109 |
| Noninterest expense to average assets | 5.2459% | 302 |
| Loan and lease loss provision to assets | 0.1851% | 4,181 |
| Net operating income to assets | -2.1493% | 7,160 |
| Return on assets (ROA) | -2.1420% | 7,169 |
| Pretax return on assets | -2.1420% | 7,147 |
| Return on Equity (ROE) | -49.6198% | 7,290 |
| Retained earnings to average equity (ytd only) | -49.6198% | 7,284 |
| Net charge-offs to loans | 0.6117% | 2,416 |
| Credit loss provision to net charge-offs | 42.3841% | 5,191 |
| Earnings coverage of net charge-offs (x) | -4.4966% | 6,091 |
| Efficiency ratio | 159.8502% | 108 |
| Assets per employee ($millions) | 3.6221% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7251% | 1,100 |
| Loan loss allowance to noncurrent loans | 23.1638% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 21.3314% | 42 |
| Noncurrent loans to loans | 11.7646% | 246 |
| Net loans and leases to total assets | 71.2120% | 1,866 |
| Net loans and leases to deposits | 79.1541% | 2,781 |
| Net loans and leases to core deposits | 90.0065% | 2,247 |
| Total domestic deposits to total assets | 89.9663% | 884 |
| Equity capital to assets | 4.2072% | 7,306 |
| Core capital (leverage) ratio | 3.9967% | 7,306 |
| Tier 1 risk-based capital ratio | 5.1270% | 7,320 |
| Total risk-based capital ratio | 10.2540% | 7,109 |
| Memoranda: | ||
| Average total assets | $92,184,250 | 5,164 |
| Average earning assets | $79,420,250 | 5,286 |
| Average equity | $3,979,500 | 6,808 |
| Average total loans | $65,825,250 | 4,684 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 6,120 |
| Cost of funding earning assets | 1.3075% | 1,893 |
| Net interest margin | 2.9588% | 6,680 |
| Noninterest income to average assets | 0.5213% | 3,695 |
| Noninterest expense to average assets | 5.3499% | 290 |
| Loan and lease loss provision to assets | -0.0378% | 7,393 |
| Net operating income to assets | -2.2219% | 7,226 |
| Return on assets (ROA) | -2.2219% | 7,232 |
| Pretax return on assets | -2.2219% | 7,207 |
| Return on Equity (ROE) | -51.0916% | 7,350 |
| Retained earnings to average equity (ytd only) | -51.0916% | 7,347 |
| Net charge-offs to loans | 0.4626% | 2,730 |
| Credit loss provision to net charge-offs | -11.5385% | 6,180 |
| Earnings coverage of net charge-offs (x) | -6.8910% | 5,810 |
| Efficiency ratio | 173.1293% | 93 |
| Assets per employee ($millions) | 3.5806% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6851% | 1,194 |
| Loan loss allowance to noncurrent loans | 23.9619% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 19.5878% | 67 |
| Noncurrent loans to loans | 11.2057% | 304 |
| Net loans and leases to total assets | 67.2904% | 2,763 |
| Net loans and leases to deposits | 74.0261% | 3,804 |
| Net loans and leases to core deposits | 88.5093% | 2,565 |
| Total domestic deposits to total assets | 90.9010% | 540 |
| Equity capital to assets | 4.2216% | 7,375 |
| Core capital (leverage) ratio | 4.2089% | 7,360 |
| Tier 1 risk-based capital ratio | 5.5898% | 7,375 |
| Total risk-based capital ratio | 11.1795% | 6,999 |
| Memoranda: | ||
| Average total assets | $95,142,670 | 5,101 |
| Average earning assets | $82,601,330 | 5,243 |
| Average equity | $4,137,670 | 6,804 |
| Average total loans | $67,437,670 | 4,660 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 6,587 |
| Cost of funding earning assets | 1.3683% | 1,779 |
| Net interest margin | 2.6900% | 7,028 |
| Noninterest income to average assets | 0.6493% | 2,854 |
| Noninterest expense to average assets | 5.6352% | 239 |
| Loan and lease loss provision to assets | 0.0449% | 5,439 |
| Net operating income to assets | -2.6706% | 7,367 |
| Return on assets (ROA) | -2.6706% | 7,368 |
| Pretax return on assets | -2.6706% | 7,347 |
| Return on Equity (ROE) | -60.5976% | 7,437 |
| Retained earnings to average equity (ytd only) | -60.5976% | 7,427 |
| Net charge-offs to loans | 0.0627% | 4,303 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | -58.4545% | 5,092 |
| Efficiency ratio | 187.2456% | 79 |
| Assets per employee ($millions) | 3.7822% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7935% | 1,117 |
| Loan loss allowance to noncurrent loans | 30.5440% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 16.8831% | 106 |
| Noncurrent loans to loans | 9.1457% | 479 |
| Net loans and leases to total assets | 67.5674% | 2,641 |
| Net loans and leases to deposits | 74.8886% | 3,615 |
| Net loans and leases to core deposits | 91.6076% | 2,167 |
| Total domestic deposits to total assets | 90.2238% | 1,006 |
| Equity capital to assets | 4.1563% | 7,427 |
| Core capital (leverage) ratio | 4.2817% | 7,410 |
| Tier 1 risk-based capital ratio | 6.1314% | 7,420 |
| Total risk-based capital ratio | 11.6996% | 6,824 |
| Memoranda: | ||
| Average total assets | $97,956,500 | 5,058 |
| Average earning assets | $85,946,500 | 5,162 |
| Average equity | $4,317,000 | 6,776 |
| Average total loans | $70,208,000 | 4,615 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 5,799 |
| Cost of funding earning assets | 1.7581% | 1,349 |
| Net interest margin | 2.9428% | 6,832 |
| Noninterest income to average assets | -0.0780% | 7,375 |
| Noninterest expense to average assets | 5.6455% | 278 |
| Loan and lease loss provision to assets | 1.4611% | 1,018 |
| Net operating income to assets | -4.6035% | 7,496 |
| Return on assets (ROA) | -4.2175% | 7,475 |
| Pretax return on assets | -4.2175% | 7,468 |
| Return on Equity (ROE) | -66.0752% | 7,507 |
| Retained earnings to average equity (ytd only) | -66.0752% | 7,506 |
| Net charge-offs to loans | 1.8222% | 1,155 |
| Credit loss provision to net charge-offs | 117.3845% | 3,643 |
| Earnings coverage of net charge-offs (x) | -2.5247% | 6,727 |
| Efficiency ratio | 225.5452% | 68 |
| Assets per employee ($millions) | 4.0543% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4581% | 1,462 |
| Loan loss allowance to noncurrent loans | 43.6623% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 11.4299% | 317 |
| Noncurrent loans to loans | 5.6299% | 1,156 |
| Net loans and leases to total assets | 71.8796% | 2,128 |
| Net loans and leases to deposits | 79.7214% | 3,220 |
| Net loans and leases to core deposits | 100.3595% | 1,590 |
| Total domestic deposits to total assets | 90.1635% | 1,010 |
| Equity capital to assets | 4.6410% | 7,467 |
| Core capital (leverage) ratio | 4.6768% | 7,442 |
| Tier 1 risk-based capital ratio | 6.8735% | 7,433 |
| Total risk-based capital ratio | 12.3109% | 6,256 |
| Memoranda: | ||
| Average total assets | $102,595,800 | 4,908 |
| Average earning assets | $89,982,800 | 5,018 |
| Average equity | $6,548,600 | 6,186 |
| Average total loans | $70,081,800 | 4,680 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 6,099 |
| Cost of funding earning assets | 1.8148% | 1,360 |
| Net interest margin | 2.8625% | 7,060 |
| Noninterest income to average assets | -0.1607% | 7,569 |
| Noninterest expense to average assets | 5.5558% | 266 |
| Loan and lease loss provision to assets | 1.2788% | 1,097 |
| Net operating income to assets | -4.4959% | 7,613 |
| Return on assets (ROA) | -4.3210% | 7,607 |
| Pretax return on assets | -4.3210% | 7,592 |
| Return on Equity (ROE) | -63.4339% | 7,613 |
| Retained earnings to average equity (ytd only) | -63.4339% | 7,612 |
| Net charge-offs to loans | 2.0097% | 937 |
| Credit loss provision to net charge-offs | 94.9952% | 4,564 |
| Earnings coverage of net charge-offs (x) | -2.3898% | 6,546 |
| Efficiency ratio | 237.5623% | 47 |
| Assets per employee ($millions) | 4.1118% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0967% | 2,004 |
| Loan loss allowance to noncurrent loans | 36.8223% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 10.8710% | 336 |
| Noncurrent loans to loans | 5.6941% | 1,148 |
| Net loans and leases to total assets | 68.2231% | 3,157 |
| Net loans and leases to deposits | 77.0538% | 4,000 |
| Net loans and leases to core deposits | 116.9333% | 717 |
| Total domestic deposits to total assets | 88.5397% | 1,655 |
| Equity capital to assets | 5.7255% | 7,518 |
| Core capital (leverage) ratio | 5.4934% | 7,498 |
| Tier 1 risk-based capital ratio | 8.2765% | 7,452 |
| Total risk-based capital ratio | 13.7179% | 4,986 |
| Memoranda: | ||
| Average total assets | $102,905,500 | 4,968 |
| Average earning assets | $89,850,750 | 5,076 |
| Average equity | $7,009,750 | 6,110 |
| Average total loans | $68,929,500 | 4,796 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 6,382 |
| Cost of funding earning assets | 1.8028% | 1,630 |
| Net interest margin | 2.8247% | 7,114 |
| Noninterest income to average assets | -0.1044% | 7,631 |
| Noninterest expense to average assets | 6.4152% | 187 |
| Loan and lease loss provision to assets | 2.0380% | 605 |
| Net operating income to assets | -6.0647% | 7,737 |
| Return on assets (ROA) | -5.7989% | 7,734 |
| Pretax return on assets | -5.7989% | 7,719 |
| Return on Equity (ROE) | -80.6187% | 7,701 |
| Retained earnings to average equity (ytd only) | -80.6187% | 7,699 |
| Net charge-offs to loans | 2.8834% | 566 |
| Credit loss provision to net charge-offs | 107.0321% | 3,815 |
| Earnings coverage of net charge-offs (x) | -2.1148% | 6,214 |
| Efficiency ratio | 268.5903% | 52 |
| Assets per employee ($millions) | 3.9426% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3337% | 1,533 |
| Loan loss allowance to noncurrent loans | 18.4026% | 7,018 |
| Noncurrent assets plus other real estate owned to assets | 14.3795% | 169 |
| Noncurrent loans to loans | 12.6814% | 247 |
| Net loans and leases to total assets | 66.1268% | 3,805 |
| Net loans and leases to deposits | 74.9130% | 4,528 |
| Net loans and leases to core deposits | 114.8713% | 885 |
| Total domestic deposits to total assets | 88.2715% | 1,841 |
| Equity capital to assets | 6.2536% | 7,505 |
| Core capital (leverage) ratio | 6.0714% | 7,470 |
| Tier 1 risk-based capital ratio | 8.5484% | 7,481 |
| Total risk-based capital ratio | 13.8631% | 4,726 |
| Memoranda: | ||
| Average total assets | $101,571,330 | 5,036 |
| Average earning assets | $89,637,670 | 5,108 |
| Average equity | $7,306,000 | 6,031 |
| Average total loans | $67,073,330 | 4,899 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 6,140 |
| Cost of funding earning assets | 1.8175% | 1,810 |
| Net interest margin | 2.9136% | 6,997 |
| Noninterest income to average assets | -0.4035% | 7,847 |
| Noninterest expense to average assets | 7.6544% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -4.7919% | 7,775 |
| Return on assets (ROA) | -4.3215% | 7,746 |
| Pretax return on assets | -4.9752% | 7,762 |
| Return on Equity (ROE) | -56.1431% | 7,736 |
| Retained earnings to average equity (ytd only) | -56.1431% | 7,727 |
| Net charge-offs to loans | 0.0743% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -113.9167% | 5,605 |
| Efficiency ratio | 357.9245% | 31 |
| Assets per employee ($millions) | 3.8855% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4603% | 1,347 |
| Loan loss allowance to noncurrent loans | 26.3409% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 12.2309% | 246 |
| Noncurrent loans to loans | 9.3403% | 491 |
| Net loans and leases to total assets | 62.8293% | 4,576 |
| Net loans and leases to deposits | 71.2480% | 5,159 |
| Net loans and leases to core deposits | 104.8847% | 1,665 |
| Total domestic deposits to total assets | 88.1839% | 1,955 |
| Equity capital to assets | 6.8796% | 7,418 |
| Core capital (leverage) ratio | 6.9874% | 7,262 |
| Tier 1 risk-based capital ratio | 9.6752% | 7,221 |
| Total risk-based capital ratio | 15.1462% | 3,690 |
| Memoranda: | ||
| Average total assets | $99,132,000 | 5,175 |
| Average earning assets | $86,490,500 | 5,292 |
| Average equity | $7,630,500 | 5,969 |
| Average total loans | $64,573,000 | 5,059 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3533% | 4,927 |
| Cost of funding earning assets | 2.3681% | 1,396 |
| Net interest margin | 2.9852% | 6,684 |
| Noninterest income to average assets | 0.1729% | 6,839 |
| Noninterest expense to average assets | 3.8816% | 1,534 |
| Loan and lease loss provision to assets | 3.2881% | 488 |
| Net operating income to assets | -4.3669% | 7,663 |
| Return on assets (ROA) | -4.2274% | 7,641 |
| Pretax return on assets | -4.0888% | 7,551 |
| Return on Equity (ROE) | -42.1370% | 7,602 |
| Retained earnings to average equity (ytd only) | -42.1370% | 7,589 |
| Net charge-offs to loans | 3.1762% | 648 |
| Credit loss provision to net charge-offs | 144.4691% | 3,303 |
| Earnings coverage of net charge-offs (x) | -0.4131% | 6,637 |
| Efficiency ratio | 131.9697% | 459 |
| Assets per employee ($millions) | 3.7400% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5174% | 1,203 |
| Loan loss allowance to noncurrent loans | 103.7299% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 7.7560% | 602 |
| Noncurrent loans to loans | 2.4269% | 3,128 |
| Net loans and leases to total assets | 64.2322% | 4,551 |
| Net loans and leases to deposits | 73.9530% | 5,046 |
| Net loans and leases to core deposits | 142.0772% | 732 |
| Total domestic deposits to total assets | 86.8553% | 2,581 |
| Equity capital to assets | 8.5468% | 5,815 |
| Core capital (leverage) ratio | 8.1043% | 5,986 |
| Tier 1 risk-based capital ratio | 11.2155% | 5,699 |
| Total risk-based capital ratio | 16.7058% | 2,690 |
| Memoranda: | ||
| Average total assets | $98,903,400 | 5,115 |
| Average earning assets | $91,719,200 | 5,068 |
| Average equity | $9,922,400 | 5,316 |
| Average total loans | $70,870,200 | 4,841 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3484% | 5,182 |
| Cost of funding earning assets | 2.4417% | 1,485 |
| Net interest margin | 2.9067% | 6,845 |
| Noninterest income to average assets | 0.1853% | 6,895 |
| Noninterest expense to average assets | 3.8286% | 1,543 |
| Loan and lease loss provision to assets | 1.5599% | 1,218 |
| Net operating income to assets | -1.4959% | 7,111 |
| Return on assets (ROA) | -1.3773% | 7,048 |
| Pretax return on assets | -2.2741% | 7,275 |
| Return on Equity (ROE) | -13.2488% | 7,089 |
| Retained earnings to average equity (ytd only) | -13.2488% | 7,022 |
| Net charge-offs to loans | 1.0160% | 1,939 |
| Credit loss provision to net charge-offs | 210.1266% | 2,096 |
| Earnings coverage of net charge-offs (x) | -1.2116% | 6,662 |
| Efficiency ratio | 130.7058% | 467 |
| Assets per employee ($millions) | 4.2632% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 2,395 |
| Loan loss allowance to noncurrent loans | 23.0842% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 8.6514% | 462 |
| Noncurrent loans to loans | 7.6509% | 663 |
| Net loans and leases to total assets | 69.3740% | 3,636 |
| Net loans and leases to deposits | 82.7673% | 3,875 |
| Net loans and leases to core deposits | 158.3279% | 410 |
| Total domestic deposits to total assets | 83.8181% | 3,810 |
| Equity capital to assets | 11.5528% | 2,546 |
| Core capital (leverage) ratio | 11.2023% | 2,263 |
| Tier 1 risk-based capital ratio | 14.8814% | 3,100 |
| Total risk-based capital ratio | 20.1985% | 1,718 |
| Memoranda: | ||
| Average total assets | $99,319,000 | 5,141 |
| Average earning assets | $93,757,000 | 5,048 |
| Average equity | $10,325,250 | 5,251 |
| Average total loans | $72,569,500 | 4,826 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 4,714 |
| Cost of funding earning assets | 2.5575% | 1,417 |
| Net interest margin | 2.9277% | 6,740 |
| Noninterest income to average assets | 0.1885% | 6,948 |
| Noninterest expense to average assets | 3.7618% | 1,720 |
| Loan and lease loss provision to assets | 1.5079% | 1,137 |
| Net operating income to assets | -1.3902% | 7,196 |
| Return on assets (ROA) | -1.2131% | 7,125 |
| Pretax return on assets | -2.0132% | 7,292 |
| Return on Equity (ROE) | -12.1109% | 7,181 |
| Retained earnings to average equity (ytd only) | -12.1109% | 7,065 |
| Net charge-offs to loans | 0.2090% | 4,207 |
| Credit loss provision to net charge-offs | 976.6234% | 504 |
| Earnings coverage of net charge-offs (x) | -5.0649% | 6,457 |
| Efficiency ratio | 126.2450% | 567 |
| Assets per employee ($millions) | 3.1609% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 2,166 |
| Loan loss allowance to noncurrent loans | 34.7638% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 3.9607% | 1,510 |
| Noncurrent loans to loans | 5.0518% | 1,211 |
| Net loans and leases to total assets | 73.5322% | 2,831 |
| Net loans and leases to deposits | 86.3788% | 3,483 |
| Net loans and leases to core deposits | 170.9906% | 313 |
| Total domestic deposits to total assets | 85.1276% | 3,203 |
| Equity capital to assets | 9.8105% | 4,199 |
| Core capital (leverage) ratio | 9.5103% | 3,868 |
| Tier 1 risk-based capital ratio | 12.5499% | 4,488 |
| Total risk-based capital ratio | 17.8529% | 2,366 |
| Memoranda: | ||
| Average total assets | $99,740,670 | 5,172 |
| Average earning assets | $95,092,330 | 5,038 |
| Average equity | $9,991,000 | 5,360 |
| Average total loans | $73,677,000 | 4,820 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7628% | 3,468 |
| Cost of funding earning assets | 2.7308% | 1,173 |
| Net interest margin | 3.0319% | 6,397 |
| Noninterest income to average assets | 0.2147% | 6,763 |
| Noninterest expense to average assets | 3.6614% | 1,726 |
| Loan and lease loss provision to assets | 0.3101% | 3,481 |
| Net operating income to assets | -0.5022% | 6,879 |
| Return on assets (ROA) | -0.1511% | 6,585 |
| Pretax return on assets | -0.3260% | 6,695 |
| Return on Equity (ROE) | -1.4931% | 6,610 |
| Retained earnings to average equity (ytd only) | -1.4931% | 6,000 |
| Net charge-offs to loans | 0.3683% | 2,620 |
| Credit loss provision to net charge-offs | 114.7059% | 3,392 |
| Earnings coverage of net charge-offs (x) | -2.0882% | 5,473 |
| Efficiency ratio | 118.2285% | 660 |
| Assets per employee ($millions) | 3.3247% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 6,985 |
| Loan loss allowance to noncurrent loans | 21.1617% | 7,101 |
| Noncurrent assets plus other real estate owned to assets | 3.1482% | 1,783 |
| Noncurrent loans to loans | 4.0007% | 1,506 |
| Net loans and leases to total assets | 73.1542% | 2,974 |
| Net loans and leases to deposits | 85.7542% | 3,674 |
| Net loans and leases to core deposits | 157.0030% | 545 |
| Total domestic deposits to total assets | 85.3068% | 3,060 |
| Equity capital to assets | 10.1594% | 3,815 |
| Core capital (leverage) ratio | 9.8679% | 3,564 |
| Tier 1 risk-based capital ratio | 12.7784% | 4,339 |
| Total risk-based capital ratio | 17.4828% | 2,546 |
| Memoranda: | ||
| Average total assets | $100,617,500 | 5,163 |
| Average earning assets | $95,648,500 | 5,033 |
| Average equity | $10,180,000 | 5,330 |
| Average total loans | $73,845,500 | 4,841 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7605% | 1,829 |
| Cost of funding earning assets | 3.2155% | 1,145 |
| Net interest margin | 3.5450% | 5,124 |
| Noninterest income to average assets | 0.3480% | 5,954 |
| Noninterest expense to average assets | 3.6290% | 2,083 |
| Loan and lease loss provision to assets | 0.1616% | 5,313 |
| Net operating income to assets | 0.0000% | 6,365 |
| Return on assets (ROA) | 0.0000% | 6,229 |
| Pretax return on assets | -0.0615% | 6,222 |
| Return on Equity (ROE) | 0.0000% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.3093% | 3,324 |
| Credit loss provision to net charge-offs | 70.2586% | 6,068 |
| Earnings coverage of net charge-offs (x) | 0.4353% | 5,967 |
| Efficiency ratio | 97.3145% | 1,084 |
| Assets per employee ($millions) | 3.3832% | 4,982 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 6,993 |
| Loan loss allowance to noncurrent loans | 36.3582% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 1.8011% | 2,729 |
| Noncurrent loans to loans | 2.2752% | 2,423 |
| Net loans and leases to total assets | 72.4085% | 3,500 |
| Net loans and leases to deposits | 87.7756% | 3,836 |
| Net loans and leases to core deposits | 153.1828% | 744 |
| Total domestic deposits to total assets | 82.4927% | 4,000 |
| Equity capital to assets | 10.0764% | 3,946 |
| Core capital (leverage) ratio | 9.9789% | 3,469 |
| Tier 1 risk-based capital ratio | 12.5586% | 4,400 |
| Total risk-based capital ratio | 17.1349% | 2,650 |
| Memoranda: | ||
| Average total assets | $100,853,200 | 5,020 |
| Average earning assets | $96,191,800 | 4,914 |
| Average equity | $10,198,200 | 5,346 |
| Average total loans | $75,005,800 | 4,689 |