Home > BayFirst National Bank > Performance and Condition Ratios
BayFirst National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1486% | 199 |
| Cost of funding earning assets | 3.2960% | 101 |
| Net interest margin | 3.8527% | 1,467 |
| Noninterest income to average assets | 4.6500% | 130 |
| Noninterest expense to average assets | 6.2410% | 168 |
| Loan and lease loss provision to assets | 0.9800% | 73 |
| Net operating income to assets | 0.6549% | 3,301 |
| Return on assets (ROA) | 0.6349% | 3,330 |
| Pretax return on assets | 0.8681% | 3,046 |
| Return on Equity (ROE) | 6.7000% | 3,363 |
| Retained earnings to average equity (ytd only) | 4.2330% | 2,881 |
| Net charge-offs to loans | 1.0811% | 92 |
| Credit loss provision to net charge-offs | 114.9421% | 1,717 |
| Earnings coverage of net charge-offs (x) | 2.2185% | 2,711 |
| Efficiency ratio | 76.9958% | 1,163 |
| Assets per employee ($millions) | 3.6655% | 4,250 |
| Cash dividends to net income (ytd only)* | 36.8189% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,128 |
| Loan loss allowance to noncurrent loans | 129.0838% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 534 |
| Noncurrent loans to loans | 1.1418% | 633 |
| Net loans and leases to total assets | 80.7000% | 563 |
| Net loans and leases to deposits | 91.4955% | 1,140 |
| Net loans and leases to core deposits | 102.7453% | 1,293 |
| Total domestic deposits to total assets | 88.2000% | 1,285 |
| Equity capital to assets | 9.6369% | 2,248 |
| Core capital (leverage) ratio | 9.3835% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0199% | 2,236 |
| Memoranda: | ||
| Average total assets | $1,069,387,200 | 927 |
| Average earning assets | $958,447,400 | 944 |
| Average equity | $101,345,800 | 934 |
| Average total loans | $831,392,200 | 839 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9901% | 200 |
| Cost of funding earning assets | 3.0594% | 107 |
| Net interest margin | 3.9307% | 1,342 |
| Noninterest income to average assets | 4.4200% | 145 |
| Noninterest expense to average assets | 6.1137% | 175 |
| Loan and lease loss provision to assets | 0.9700% | 67 |
| Net operating income to assets | 0.6430% | 3,443 |
| Return on assets (ROA) | 0.6171% | 3,494 |
| Pretax return on assets | 0.8321% | 3,262 |
| Return on Equity (ROE) | 6.5400% | 3,536 |
| Retained earnings to average equity (ytd only) | 3.1987% | 3,464 |
| Net charge-offs to loans | 1.0490% | 90 |
| Credit loss provision to net charge-offs | 118.9961% | 1,491 |
| Earnings coverage of net charge-offs (x) | 2.2762% | 2,490 |
| Efficiency ratio | 76.9630% | 1,092 |
| Assets per employee ($millions) | 3.6932% | 4,274 |
| Cash dividends to net income (ytd only)* | 51.0934% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,066 |
| Loan loss allowance to noncurrent loans | 122.3453% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 552 |
| Noncurrent loans to loans | 1.2409% | 625 |
| Net loans and leases to total assets | 76.4600% | 1,069 |
| Net loans and leases to deposits | 85.1361% | 1,644 |
| Net loans and leases to core deposits | 96.1847% | 1,542 |
| Total domestic deposits to total assets | 89.8100% | 987 |
| Equity capital to assets | 8.9993% | 2,413 |
| Core capital (leverage) ratio | 9.1553% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4659% | 2,089 |
| Memoranda: | ||
| Average total assets | $1,057,241,500 | 932 |
| Average earning assets | $947,254,250 | 956 |
| Average equity | $99,747,750 | 945 |
| Average total loans | $810,308,750 | 855 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9477% | 182 |
| Cost of funding earning assets | 2.7393% | 116 |
| Net interest margin | 4.2083% | 918 |
| Noninterest income to average assets | 3.9500% | 146 |
| Noninterest expense to average assets | 6.0604% | 173 |
| Loan and lease loss provision to assets | 0.9100% | 77 |
| Net operating income to assets | 0.5589% | 3,678 |
| Return on assets (ROA) | 0.5277% | 3,759 |
| Pretax return on assets | 0.7105% | 3,583 |
| Return on Equity (ROE) | 5.5000% | 3,798 |
| Retained earnings to average equity (ytd only) | 0.4486% | 3,994 |
| Net charge-offs to loans | 1.0521% | 86 |
| Credit loss provision to net charge-offs | 110.7246% | 1,375 |
| Earnings coverage of net charge-offs (x) | 2.0606% | 2,326 |
| Efficiency ratio | 78.5621% | 958 |
| Assets per employee ($millions) | 3.5874% | 4,322 |
| Cash dividends to net income (ytd only)* | 91.8442% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 1,169 |
| Loan loss allowance to noncurrent loans | 134.0213% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 575 |
| Noncurrent loans to loans | 1.1218% | 632 |
| Net loans and leases to total assets | 75.9300% | 1,058 |
| Net loans and leases to deposits | 87.2890% | 1,402 |
| Net loans and leases to core deposits | 94.4984% | 1,547 |
| Total domestic deposits to total assets | 86.9900% | 1,928 |
| Equity capital to assets | 9.0841% | 2,453 |
| Core capital (leverage) ratio | 9.3630% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5970% | 2,059 |
| Memoranda: | ||
| Average total assets | $1,031,718,667 | 943 |
| Average earning assets | $922,410,667 | 967 |
| Average equity | $98,985,333 | 946 |
| Average total loans | $786,977,667 | 860 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3548% | 212 |
| Cost of funding earning assets | 2.2626% | 167 |
| Net interest margin | 4.0922% | 1,108 |
| Noninterest income to average assets | 3.7600% | 155 |
| Noninterest expense to average assets | 6.0772% | 177 |
| Loan and lease loss provision to assets | 0.7700% | 88 |
| Net operating income to assets | 0.4298% | 4,035 |
| Return on assets (ROA) | 0.4298% | 3,985 |
| Pretax return on assets | 0.5685% | 3,892 |
| Return on Equity (ROE) | 4.3500% | 3,983 |
| Retained earnings to average equity (ytd only) | -1.6992% | 4,194 |
| Net charge-offs to loans | 0.9917% | 81 |
| Credit loss provision to net charge-offs | 102.9131% | 1,095 |
| Earnings coverage of net charge-offs (x) | 1.7850% | 1,955 |
| Efficiency ratio | 81.9060% | 712 |
| Assets per employee ($millions) | 3.5181% | 4,407 |
| Cash dividends to net income (ytd only)* | 139.0176% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,151 |
| Loan loss allowance to noncurrent loans | 177.2543% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 777 |
| Noncurrent loans to loans | 0.8689% | 870 |
| Net loans and leases to total assets | 73.0900% | 1,312 |
| Net loans and leases to deposits | 83.6844% | 1,520 |
| Net loans and leases to core deposits | 92.6711% | 1,468 |
| Total domestic deposits to total assets | 87.3400% | 2,150 |
| Equity capital to assets | 9.1618% | 2,399 |
| Core capital (leverage) ratio | 10.1769% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1200% | 1,939 |
| Memoranda: | ||
| Average total assets | $1,004,081,500 | 987 |
| Average earning assets | $897,028,500 | 1,013 |
| Average equity | $99,106,000 | 951 |
| Average total loans | $761,491,000 | 896 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 522 |
| Cost of funding earning assets | 0.9898% | 168 |
| Net interest margin | 3.7022% | 1,372 |
| Noninterest income to average assets | 3.4300% | 160 |
| Noninterest expense to average assets | 5.8450% | 171 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.7499% | 3,481 |
| Return on assets (ROA) | 0.1162% | 4,490 |
| Pretax return on assets | 0.3333% | 4,349 |
| Return on Equity (ROE) | 1.0500% | 4,484 |
| Retained earnings to average equity (ytd only) | -0.6724% | 4,418 |
| Net charge-offs to loans | 0.5240% | 136 |
| Credit loss provision to net charge-offs | -18.8883% | 4,553 |
| Earnings coverage of net charge-offs (x) | 2.2097% | 2,515 |
| Efficiency ratio | 86.7736% | 399 |
| Assets per employee ($millions) | 3.2036% | 4,499 |
| Cash dividends to net income (ytd only)* | 163.8577% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,192 |
| Loan loss allowance to noncurrent loans | 70.3421% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.3760% | 250 |
| Noncurrent loans to loans | 1.7639% | 344 |
| Net loans and leases to total assets | 76.7100% | 931 |
| Net loans and leases to deposits | 90.4971% | 1,014 |
| Net loans and leases to core deposits | 97.2541% | 1,138 |
| Total domestic deposits to total assets | 84.7600% | 3,047 |
| Equity capital to assets | 10.6776% | 1,384 |
| Core capital (leverage) ratio | 10.7856% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9992% | 1,631 |
| Memoranda: | ||
| Average total assets | $919,164,600 | 1,052 |
| Average earning assets | $821,947,400 | 1,080 |
| Average equity | $101,427,400 | 937 |
| Average total loans | $707,220,600 | 899 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 820 |
| Cost of funding earning assets | 0.7020% | 269 |
| Net interest margin | 3.5394% | 1,548 |
| Noninterest income to average assets | 3.3700% | 168 |
| Noninterest expense to average assets | 5.9174% | 170 |
| Loan and lease loss provision to assets | -0.2000% | 4,678 |
| Net operating income to assets | 0.6447% | 3,711 |
| Return on assets (ROA) | -0.0895% | 4,599 |
| Pretax return on assets | 0.0874% | 4,522 |
| Return on Equity (ROE) | -0.8000% | 4,581 |
| Retained earnings to average equity (ytd only) | -2.1154% | 4,493 |
| Net charge-offs to loans | 0.4395% | 143 |
| Credit loss provision to net charge-offs | -60.5275% | 4,633 |
| Earnings coverage of net charge-offs (x) | 1.8305% | 2,267 |
| Efficiency ratio | 90.5516% | 305 |
| Assets per employee ($millions) | 1.7650% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,059 |
| Loan loss allowance to noncurrent loans | 95.1911% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1059% | 396 |
| Noncurrent loans to loans | 1.3589% | 533 |
| Net loans and leases to total assets | 79.8900% | 537 |
| Net loans and leases to deposits | 94.5028% | 617 |
| Net loans and leases to core deposits | 99.4714% | 839 |
| Total domestic deposits to total assets | 84.5400% | 3,378 |
| Equity capital to assets | 10.6520% | 1,311 |
| Core capital (leverage) ratio | 10.4773% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0247% | 1,707 |
| Memoranda: | ||
| Average total assets | $914,290,500 | 1,070 |
| Average earning assets | $818,772,000 | 1,091 |
| Average equity | $101,727,750 | 950 |
| Average total loans | $701,759,250 | 901 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 913 |
| Cost of funding earning assets | 0.5662% | 352 |
| Net interest margin | 3.4487% | 1,458 |
| Noninterest income to average assets | 8.0799% | 70 |
| Noninterest expense to average assets | 11.5545% | 62 |
| Loan and lease loss provision to assets | -0.4730% | 4,748 |
| Net operating income to assets | 0.1010% | 4,512 |
| Return on assets (ROA) | 0.1010% | 4,480 |
| Pretax return on assets | 0.0915% | 4,496 |
| Return on Equity (ROE) | 0.8947% | 4,475 |
| Retained earnings to average equity (ytd only) | -0.0799% | 4,179 |
| Net charge-offs to loans | 0.5077% | 130 |
| Credit loss provision to net charge-offs | -123.7054% | 3,141 |
| Earnings coverage of net charge-offs (x) | -0.9977% | 2,112 |
| Efficiency ratio | 103.4147% | 158 |
| Assets per employee ($millions) | 1.8802% | 4,701 |
| Cash dividends to net income (ytd only)* | 108.9325% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 2,026 |
| Loan loss allowance to noncurrent loans | 91.1465% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1450% | 374 |
| Noncurrent loans to loans | 1.4647% | 508 |
| Net loans and leases to total assets | 76.7247% | 658 |
| Net loans and leases to deposits | 92.2542% | 596 |
| Net loans and leases to core deposits | 99.8326% | 675 |
| Total domestic deposits to total assets | 83.1667% | 3,846 |
| Equity capital to assets | 11.0354% | 1,198 |
| Core capital (leverage) ratio | 11.3677% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3746% | 1,334 |
| Memoranda: | ||
| Average total assets | $908,995,667 | 1,069 |
| Average earning assets | $815,254,000 | 1,101 |
| Average equity | $102,609,667 | 954 |
| Average total loans | $684,714,000 | 909 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 1,045 |
| Cost of funding earning assets | 0.6113% | 240 |
| Net interest margin | 3.2134% | 1,842 |
| Noninterest income to average assets | 8.3486% | 70 |
| Noninterest expense to average assets | 12.0848% | 57 |
| Loan and lease loss provision to assets | -1.0633% | 4,785 |
| Net operating income to assets | 0.1542% | 4,396 |
| Return on assets (ROA) | 0.1542% | 4,365 |
| Pretax return on assets | 0.2078% | 4,320 |
| Return on Equity (ROE) | 1.3504% | 4,368 |
| Retained earnings to average equity (ytd only) | 0.3803% | 3,940 |
| Net charge-offs to loans | 0.5275% | 134 |
| Credit loss provision to net charge-offs | -272.1088% | 3,025 |
| Earnings coverage of net charge-offs (x) | -2.1893% | 1,800 |
| Efficiency ratio | 107.6186% | 148 |
| Assets per employee ($millions) | 1.5292% | 4,742 |
| Cash dividends to net income (ytd only)* | 71.8391% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 1,290 |
| Loan loss allowance to noncurrent loans | 44.7112% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 2.5606% | 88 |
| Noncurrent loans to loans | 3.5639% | 122 |
| Net loans and leases to total assets | 70.6923% | 954 |
| Net loans and leases to deposits | 81.3925% | 1,050 |
| Net loans and leases to core deposits | 82.0487% | 1,348 |
| Total domestic deposits to total assets | 86.8535% | 2,978 |
| Equity capital to assets | 11.5575% | 1,106 |
| Core capital (leverage) ratio | 11.7542% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4481% | 836 |
| Memoranda: | ||
| Average total assets | $902,856,500 | 1,079 |
| Average earning assets | $809,372,000 | 1,115 |
| Average equity | $103,081,500 | 967 |
| Average total loans | $668,866,500 | 916 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 1,344 |
| Cost of funding earning assets | 0.5677% | 639 |
| Net interest margin | 3.4401% | 1,906 |
| Noninterest income to average assets | 9.3017% | 68 |
| Noninterest expense to average assets | 10.0918% | 69 |
| Loan and lease loss provision to assets | -0.2769% | 4,762 |
| Net operating income to assets | 2.0596% | 304 |
| Return on assets (ROA) | 2.0596% | 318 |
| Pretax return on assets | 2.7160% | 193 |
| Return on Equity (ROE) | 27.8193% | 88 |
| Retained earnings to average equity (ytd only) | 26.7506% | 20 |
| Net charge-offs to loans | 0.3825% | 219 |
| Credit loss provision to net charge-offs | -83.1354% | 3,331 |
| Earnings coverage of net charge-offs (x) | 7.3216% | 2,348 |
| Efficiency ratio | 80.5357% | 775 |
| Assets per employee ($millions) | 1.4090% | 4,789 |
| Cash dividends to net income (ytd only)* | 3.8419% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 696 |
| Loan loss allowance to noncurrent loans | 105.5224% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.3901% | 318 |
| Noncurrent loans to loans | 1.8224% | 461 |
| Net loans and leases to total assets | 74.7926% | 600 |
| Net loans and leases to deposits | 94.7276% | 358 |
| Net loans and leases to core deposits | 95.9874% | 691 |
| Total domestic deposits to total assets | 78.9555% | 4,324 |
| Equity capital to assets | 11.2814% | 1,615 |
| Core capital (leverage) ratio | 12.2206% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2489% | 626 |
| Memoranda: | ||
| Average total assets | $1,263,778,400 | 788 |
| Average earning assets | $1,186,258,200 | 783 |
| Average equity | $93,564,400 | 1,068 |
| Average total loans | $1,100,567,400 | 600 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 1,260 |
| Cost of funding earning assets | 0.5658% | 763 |
| Net interest margin | 3.5538% | 1,724 |
| Noninterest income to average assets | 9.2181% | 72 |
| Noninterest expense to average assets | 9.6471% | 78 |
| Loan and lease loss provision to assets | -0.0987% | 4,601 |
| Net operating income to assets | 2.2558% | 288 |
| Return on assets (ROA) | 2.2558% | 306 |
| Pretax return on assets | 3.0284% | 173 |
| Return on Equity (ROE) | 33.4433% | 65 |
| Retained earnings to average equity (ytd only) | 32.3454% | 23 |
| Net charge-offs to loans | 0.3937% | 193 |
| Credit loss provision to net charge-offs | -28.2008% | 3,100 |
| Earnings coverage of net charge-offs (x) | 8.3680% | 2,106 |
| Efficiency ratio | 76.7055% | 986 |
| Assets per employee ($millions) | 1.4495% | 4,860 |
| Cash dividends to net income (ytd only)* | 3.2827% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2229% | 442 |
| Loan loss allowance to noncurrent loans | 155.0289% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 542 |
| Noncurrent loans to loans | 1.4338% | 739 |
| Net loans and leases to total assets | 77.4544% | 434 |
| Net loans and leases to deposits | 107.7558% | 117 |
| Net loans and leases to core deposits | 109.3100% | 339 |
| Total domestic deposits to total assets | 71.8795% | 4,686 |
| Equity capital to assets | 10.6686% | 2,296 |
| Core capital (leverage) ratio | 12.6369% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4960% | 572 |
| Memoranda: | ||
| Average total assets | $1,350,405,000 | 746 |
| Average earning assets | $1,276,276,250 | 738 |
| Average equity | $91,085,250 | 1,104 |
| Average total loans | $1,200,833,250 | 576 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 1,118 |
| Cost of funding earning assets | 0.5647% | 890 |
| Net interest margin | 3.6701% | 1,426 |
| Noninterest income to average assets | 9.6058% | 68 |
| Noninterest expense to average assets | 8.9929% | 85 |
| Loan and lease loss provision to assets | 0.2692% | 347 |
| Net operating income to assets | 2.8584% | 146 |
| Return on assets (ROA) | 2.8584% | 147 |
| Pretax return on assets | 3.8302% | 99 |
| Return on Equity (ROE) | 48.3288% | 26 |
| Retained earnings to average equity (ytd only) | 47.1910% | 9 |
| Net charge-offs to loans | 0.3499% | 243 |
| Credit loss provision to net charge-offs | 84.5666% | 1,465 |
| Earnings coverage of net charge-offs (x) | 12.8786% | 1,706 |
| Efficiency ratio | 68.6888% | 1,797 |
| Assets per employee ($millions) | 1.7834% | 4,888 |
| Cash dividends to net income (ytd only)* | 2.3543% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0357% | 569 |
| Loan loss allowance to noncurrent loans | 211.1799% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 969 |
| Noncurrent loans to loans | 0.9639% | 1,281 |
| Net loans and leases to total assets | 83.6356% | 146 |
| Net loans and leases to deposits | 157.8500% | 13 |
| Net loans and leases to core deposits | 160.2193% | 54 |
| Total domestic deposits to total assets | 52.9842% | 4,894 |
| Equity capital to assets | 8.2965% | 4,356 |
| Core capital (leverage) ratio | 12.0619% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5691% | 569 |
| Memoranda: | ||
| Average total assets | $1,485,995,667 | 691 |
| Average earning assets | $1,411,640,000 | 679 |
| Average equity | $87,889,667 | 1,132 |
| Average total loans | $1,351,944,000 | 519 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 1,994 |
| Cost of funding earning assets | 0.5472% | 1,117 |
| Net interest margin | 3.2880% | 2,427 |
| Noninterest income to average assets | 8.1339% | 84 |
| Noninterest expense to average assets | 8.2462% | 89 |
| Loan and lease loss provision to assets | 0.4906% | 134 |
| Net operating income to assets | 1.8871% | 682 |
| Return on assets (ROA) | 1.8871% | 731 |
| Pretax return on assets | 2.5290% | 416 |
| Return on Equity (ROE) | 37.4383% | 77 |
| Retained earnings to average equity (ytd only) | 36.2216% | 49 |
| Net charge-offs to loans | 0.3019% | 279 |
| Credit loss provision to net charge-offs | 174.6725% | 934 |
| Earnings coverage of net charge-offs (x) | 10.7511% | 1,486 |
| Efficiency ratio | 73.1966% | 1,381 |
| Assets per employee ($millions) | 2.6452% | 4,866 |
| Cash dividends to net income (ytd only)* | 3.2497% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 2,060 |
| Loan loss allowance to noncurrent loans | 225.8385% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 1,666 |
| Noncurrent loans to loans | 0.6104% | 2,043 |
| Net loans and leases to total assets | 91.7559% | 12 |
| Net loans and leases to deposits | 258.0953% | 5 |
| Net loans and leases to core deposits | 262.3330% | 23 |
| Total domestic deposits to total assets | 35.5512% | 4,945 |
| Equity capital to assets | 5.0082% | 4,966 |
| Core capital (leverage) ratio | 10.8422% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2650% | 1,029 |
| Memoranda: | ||
| Average total assets | $1,630,659,500 | 626 |
| Average earning assets | $1,553,289,500 | 606 |
| Average equity | $82,194,000 | 1,184 |
| Average total loans | $1,517,097,500 | 475 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,384 |
| Cost of funding earning assets | 0.9108% | 830 |
| Net interest margin | 3.2030% | 3,356 |
| Noninterest income to average assets | 8.7081% | 76 |
| Noninterest expense to average assets | 8.7417% | 88 |
| Loan and lease loss provision to assets | 1.5064% | 42 |
| Net operating income to assets | 1.1942% | 1,575 |
| Return on assets (ROA) | 1.1942% | 1,677 |
| Pretax return on assets | 1.4950% | 1,343 |
| Return on Equity (ROE) | 20.2194% | 224 |
| Retained earnings to average equity (ytd only) | 20.2194% | 66 |
| Net charge-offs to loans | 0.6554% | 228 |
| Credit loss provision to net charge-offs | 260.8025% | 1,882 |
| Earnings coverage of net charge-offs (x) | 5.1963% | 2,890 |
| Efficiency ratio | 74.4315% | 1,393 |
| Assets per employee ($millions) | 2.5916% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,683 |
| Loan loss allowance to noncurrent loans | 648.5443% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 3,231 |
| Noncurrent loans to loans | 0.2271% | 3,392 |
| Net loans and leases to total assets | 91.6629% | 15 |
| Net loans and leases to deposits | 252.2711% | 8 |
| Net loans and leases to core deposits | 261.8242% | 26 |
| Total domestic deposits to total assets | 36.3351% | 4,965 |
| Equity capital to assets | 5.0765% | 4,989 |
| Core capital (leverage) ratio | 11.7466% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0172% | 1,257 |
| Memoranda: | ||
| Average total assets | $1,121,887,000 | 797 |
| Average earning assets | $1,063,023,800 | 776 |
| Average equity | $66,263,000 | 1,358 |
| Average total loans | $988,657,000 | 650 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1366% | 2,564 |
| Cost of funding earning assets | 1.0378% | 666 |
| Net interest margin | 3.0988% | 3,742 |
| Noninterest income to average assets | 8.7011% | 75 |
| Noninterest expense to average assets | 8.8837% | 85 |
| Loan and lease loss provision to assets | 1.5613% | 55 |
| Net operating income to assets | 0.9974% | 2,347 |
| Return on assets (ROA) | 0.9974% | 2,477 |
| Pretax return on assets | 1.1867% | 2,435 |
| Return on Equity (ROE) | 16.0309% | 545 |
| Retained earnings to average equity (ytd only) | 16.0309% | 157 |
| Net charge-offs to loans | 0.5672% | 264 |
| Credit loss provision to net charge-offs | 319.1204% | 1,704 |
| Earnings coverage of net charge-offs (x) | 5.6168% | 2,720 |
| Efficiency ratio | 76.3600% | 1,178 |
| Assets per employee ($millions) | 2.7548% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 2,018 |
| Loan loss allowance to noncurrent loans | 475.6791% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 3,118 |
| Noncurrent loans to loans | 0.2808% | 3,284 |
| Net loans and leases to total assets | 93.0602% | 13 |
| Net loans and leases to deposits | 272.8406% | 9 |
| Net loans and leases to core deposits | 285.7051% | 23 |
| Total domestic deposits to total assets | 34.1079% | 5,001 |
| Equity capital to assets | 4.6963% | 5,022 |
| Core capital (leverage) ratio | 10.8504% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7452% | 1,315 |
| Memoranda: | ||
| Average total assets | $1,016,215,250 | 855 |
| Average earning assets | $961,076,750 | 835 |
| Average equity | $63,226,250 | 1,382 |
| Average total loans | $876,580,500 | 724 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 2,531 |
| Cost of funding earning assets | 1.2662% | 413 |
| Net interest margin | 3.0100% | 4,105 |
| Noninterest income to average assets | 7.9874% | 76 |
| Noninterest expense to average assets | 9.2670% | 81 |
| Loan and lease loss provision to assets | 1.1469% | 155 |
| Net operating income to assets | 0.5077% | 4,000 |
| Return on assets (ROA) | 0.5077% | 4,074 |
| Pretax return on assets | 0.4068% | 4,400 |
| Return on Equity (ROE) | 7.1350% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.1350% | 1,603 |
| Net charge-offs to loans | 0.7928% | 197 |
| Credit loss provision to net charge-offs | 177.4077% | 2,004 |
| Earnings coverage of net charge-offs (x) | 2.4033% | 2,778 |
| Efficiency ratio | 85.6135% | 559 |
| Assets per employee ($millions) | 3.1884% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,471 |
| Loan loss allowance to noncurrent loans | 372.1468% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 3,381 |
| Noncurrent loans to loans | 0.2740% | 3,403 |
| Net loans and leases to total assets | 85.0479% | 184 |
| Net loans and leases to deposits | 216.5485% | 8 |
| Net loans and leases to core deposits | 248.5711% | 23 |
| Total domestic deposits to total assets | 39.2743% | 5,026 |
| Equity capital to assets | 4.2503% | 5,057 |
| Core capital (leverage) ratio | 6.7654% | 5,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5520% | 1,353 |
| Memoranda: | ||
| Average total assets | $854,496,000 | 978 |
| Average earning assets | $804,311,000 | 968 |
| Average equity | $60,798,667 | 1,413 |
| Average total loans | $696,742,667 | 859 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4143% | 451 |
| Cost of funding earning assets | 1.8185% | 76 |
| Net interest margin | 3.5957% | 2,677 |
| Noninterest income to average assets | 9.3341% | 60 |
| Noninterest expense to average assets | 12.5052% | 59 |
| Loan and lease loss provision to assets | 1.3899% | 120 |
| Net operating income to assets | -0.2831% | 4,882 |
| Return on assets (ROA) | -0.2831% | 4,854 |
| Pretax return on assets | -1.2545% | 4,976 |
| Return on Equity (ROE) | -2.5817% | 4,858 |
| Retained earnings to average equity (ytd only) | -2.5817% | 4,306 |
| Net charge-offs to loans | 1.1614% | 129 |
| Credit loss provision to net charge-offs | 158.2015% | 1,557 |
| Earnings coverage of net charge-offs (x) | 0.1540% | 2,482 |
| Efficiency ratio | 98.8542% | 260 |
| Assets per employee ($millions) | 1.2201% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6196% | 209 |
| Loan loss allowance to noncurrent loans | 259.5508% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 1,729 |
| Noncurrent loans to loans | 1.0093% | 1,641 |
| Net loans and leases to total assets | 75.6145% | 1,365 |
| Net loans and leases to deposits | 88.7496% | 1,670 |
| Net loans and leases to core deposits | 93.1449% | 2,050 |
| Total domestic deposits to total assets | 85.1998% | 2,336 |
| Equity capital to assets | 10.6366% | 3,202 |
| Core capital (leverage) ratio | 9.6284% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2754% | 1,534 |
| Memoranda: | ||
| Average total assets | $546,812,000 | 1,361 |
| Average earning assets | $502,821,000 | 1,377 |
| Average equity | $59,961,500 | 1,421 |
| Average total loans | $413,629,500 | 1,262 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1687% | 174 |
| Cost of funding earning assets | 1.8160% | 129 |
| Net interest margin | 4.3527% | 981 |
| Noninterest income to average assets | 11.7057% | 54 |
| Noninterest expense to average assets | 12.0768% | 55 |
| Loan and lease loss provision to assets | 1.9480% | 44 |
| Net operating income to assets | 1.2034% | 2,044 |
| Return on assets (ROA) | 1.2034% | 2,141 |
| Pretax return on assets | 1.6727% | 1,266 |
| Return on Equity (ROE) | 10.2846% | 2,166 |
| Retained earnings to average equity (ytd only) | 10.2846% | 444 |
| Net charge-offs to loans | 1.2780% | 118 |
| Credit loss provision to net charge-offs | 193.1050% | 1,372 |
| Earnings coverage of net charge-offs (x) | 3.5891% | 3,304 |
| Efficiency ratio | 76.8646% | 1,278 |
| Assets per employee ($millions) | 1.2557% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7508% | 161 |
| Loan loss allowance to noncurrent loans | 290.0891% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 1,856 |
| Noncurrent loans to loans | 0.9483% | 1,617 |
| Net loans and leases to total assets | 71.4985% | 2,170 |
| Net loans and leases to deposits | 84.3229% | 2,301 |
| Net loans and leases to core deposits | 89.3958% | 2,475 |
| Total domestic deposits to total assets | 84.7913% | 2,576 |
| Equity capital to assets | 11.3141% | 2,694 |
| Core capital (leverage) ratio | 10.4924% | 2,958 |
| Tier 1 risk-based capital ratio | 16.2593% | 2,310 |
| Total risk-based capital ratio | 17.8410% | 2,124 |
| Memoranda: | ||
| Average total assets | $454,308,200 | 1,539 |
| Average earning assets | $416,635,000 | 1,560 |
| Average equity | $53,157,400 | 1,514 |
| Average total loans | $358,597,800 | 1,385 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3785% | 133 |
| Cost of funding earning assets | 1.7819% | 148 |
| Net interest margin | 4.5966% | 623 |
| Noninterest income to average assets | 12.0448% | 53 |
| Noninterest expense to average assets | 12.1959% | 55 |
| Loan and lease loss provision to assets | 2.3442% | 36 |
| Net operating income to assets | 1.2224% | 2,120 |
| Return on assets (ROA) | 1.2224% | 2,193 |
| Pretax return on assets | 1.7133% | 1,304 |
| Return on Equity (ROE) | 10.3427% | 2,272 |
| Retained earnings to average equity (ytd only) | 10.3427% | 667 |
| Net charge-offs to loans | 1.3321% | 103 |
| Credit loss provision to net charge-offs | 218.3842% | 1,227 |
| Earnings coverage of net charge-offs (x) | 3.7799% | 3,074 |
| Efficiency ratio | 74.9642% | 1,448 |
| Assets per employee ($millions) | 1.3163% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8489% | 149 |
| Loan loss allowance to noncurrent loans | 232.6325% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9085% | 1,495 |
| Noncurrent loans to loans | 1.2246% | 1,278 |
| Net loans and leases to total assets | 71.4755% | 2,253 |
| Net loans and leases to deposits | 87.5942% | 1,989 |
| Net loans and leases to core deposits | 94.3463% | 2,151 |
| Total domestic deposits to total assets | 81.5985% | 3,588 |
| Equity capital to assets | 11.2185% | 2,906 |
| Core capital (leverage) ratio | 10.7888% | 2,847 |
| Tier 1 risk-based capital ratio | 15.9931% | 2,427 |
| Total risk-based capital ratio | 17.5893% | 2,253 |
| Memoranda: | ||
| Average total assets | $435,097,500 | 1,621 |
| Average earning assets | $398,371,500 | 1,641 |
| Average equity | $51,423,000 | 1,560 |
| Average total loans | $350,620,500 | 1,429 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4360% | 122 |
| Cost of funding earning assets | 1.7731% | 142 |
| Net interest margin | 4.6629% | 532 |
| Noninterest income to average assets | 11.6370% | 54 |
| Noninterest expense to average assets | 11.7212% | 59 |
| Loan and lease loss provision to assets | 2.6021% | 31 |
| Net operating income to assets | 1.1240% | 2,431 |
| Return on assets (ROA) | 1.1240% | 2,502 |
| Pretax return on assets | 1.5909% | 1,573 |
| Return on Equity (ROE) | 9.3161% | 2,716 |
| Retained earnings to average equity (ytd only) | 9.3161% | 953 |
| Net charge-offs to loans | 1.5326% | 74 |
| Credit loss provision to net charge-offs | 203.4221% | 1,188 |
| Earnings coverage of net charge-offs (x) | 3.2779% | 2,862 |
| Efficiency ratio | 73.5758% | 1,690 |
| Assets per employee ($millions) | 1.3004% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4995% | 221 |
| Loan loss allowance to noncurrent loans | 242.1649% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8420% | 1,673 |
| Noncurrent loans to loans | 1.0321% | 1,587 |
| Net loans and leases to total assets | 77.9152% | 1,238 |
| Net loans and leases to deposits | 92.7323% | 1,407 |
| Net loans and leases to core deposits | 100.5396% | 1,674 |
| Total domestic deposits to total assets | 84.0216% | 2,849 |
| Equity capital to assets | 11.5890% | 2,533 |
| Core capital (leverage) ratio | 10.9303% | 2,663 |
| Tier 1 risk-based capital ratio | 15.8621% | 2,470 |
| Total risk-based capital ratio | 17.4727% | 2,274 |
| Memoranda: | ||
| Average total assets | $411,204,000 | 1,716 |
| Average earning assets | $377,193,330 | 1,733 |
| Average equity | $49,613,000 | 1,602 |
| Average total loans | $343,212,670 | 1,463 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6174% | 105 |
| Cost of funding earning assets | 1.7534% | 130 |
| Net interest margin | 4.8639% | 361 |
| Noninterest income to average assets | 10.7431% | 53 |
| Noninterest expense to average assets | 11.6214% | 54 |
| Loan and lease loss provision to assets | 2.1726% | 36 |
| Net operating income to assets | 1.0098% | 2,805 |
| Return on assets (ROA) | 1.0098% | 2,850 |
| Pretax return on assets | 1.4174% | 2,022 |
| Return on Equity (ROE) | 8.1769% | 3,179 |
| Retained earnings to average equity (ytd only) | 8.1769% | 1,598 |
| Net charge-offs to loans | 1.5148% | 79 |
| Credit loss provision to net charge-offs | 167.5978% | 1,163 |
| Earnings coverage of net charge-offs (x) | 2.7694% | 2,464 |
| Efficiency ratio | 76.3178% | 1,465 |
| Assets per employee ($millions) | 1.2868% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0818% | 427 |
| Loan loss allowance to noncurrent loans | 266.7395% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 2,052 |
| Noncurrent loans to loans | 0.7805% | 2,082 |
| Net loans and leases to total assets | 84.1611% | 356 |
| Net loans and leases to deposits | 97.8239% | 798 |
| Net loans and leases to core deposits | 106.3875% | 1,149 |
| Total domestic deposits to total assets | 86.0333% | 2,268 |
| Equity capital to assets | 12.1593% | 1,928 |
| Core capital (leverage) ratio | 11.1059% | 2,469 |
| Tier 1 risk-based capital ratio | 15.9771% | 2,451 |
| Total risk-based capital ratio | 17.6053% | 2,262 |
| Memoranda: | ||
| Average total assets | $386,630,000 | 1,820 |
| Average earning assets | $355,185,500 | 1,824 |
| Average equity | $47,744,500 | 1,649 |
| Average total loans | $330,879,500 | 1,518 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4824% | 53 |
| Cost of funding earning assets | 1.4350% | 117 |
| Net interest margin | 6.0474% | 71 |
| Noninterest income to average assets | 9.3257% | 57 |
| Noninterest expense to average assets | 14.8097% | 44 |
| Loan and lease loss provision to assets | 0.3946% | 350 |
| Net operating income to assets | -0.2620% | 5,283 |
| Return on assets (ROA) | -0.2620% | 5,280 |
| Pretax return on assets | -0.3678% | 5,298 |
| Return on Equity (ROE) | -2.1197% | 5,272 |
| Retained earnings to average equity (ytd only) | -2.1197% | 5,132 |
| Net charge-offs to loans | 0.9388% | 163 |
| Credit loss provision to net charge-offs | 52.0400% | 3,166 |
| Earnings coverage of net charge-offs (x) | 0.0354% | 3,715 |
| Efficiency ratio | 99.7127% | 145 |
| Assets per employee ($millions) | 1.0552% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0884% | 407 |
| Loan loss allowance to noncurrent loans | 286.5044% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 2,186 |
| Noncurrent loans to loans | 0.7289% | 2,168 |
| Net loans and leases to total assets | 83.3859% | 474 |
| Net loans and leases to deposits | 98.5467% | 848 |
| Net loans and leases to core deposits | 110.1886% | 985 |
| Total domestic deposits to total assets | 84.6157% | 2,791 |
| Equity capital to assets | 12.5620% | 1,551 |
| Core capital (leverage) ratio | 11.7176% | 1,939 |
| Tier 1 risk-based capital ratio | 16.6106% | 2,201 |
| Total risk-based capital ratio | 18.2850% | 1,996 |
| Memoranda: | ||
| Average total assets | $316,738,800 | 2,059 |
| Average earning assets | $288,638,000 | 2,081 |
| Average equity | $39,157,000 | 1,900 |
| Average total loans | $255,870,600 | 1,796 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 300 |
| Cost of funding earning assets | 1.4039% | 96 |
| Net interest margin | 4.1925% | 1,375 |
| Noninterest income to average assets | 14.0619% | 48 |
| Noninterest expense to average assets | 14.7524% | 46 |
| Loan and lease loss provision to assets | 0.9964% | 83 |
| Net operating income to assets | 1.6056% | 951 |
| Return on assets (ROA) | 1.6056% | 954 |
| Pretax return on assets | 2.1618% | 420 |
| Return on Equity (ROE) | 12.3172% | 1,674 |
| Retained earnings to average equity (ytd only) | 12.3172% | 439 |
| Net charge-offs to loans | 0.8146% | 173 |
| Credit loss provision to net charge-offs | 152.1164% | 1,682 |
| Earnings coverage of net charge-offs (x) | 4.8214% | 3,017 |
| Efficiency ratio | 82.3666% | 755 |
| Assets per employee ($millions) | 1.1040% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2139% | 114 |
| Loan loss allowance to noncurrent loans | 443.0915% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 2,485 |
| Noncurrent loans to loans | 0.7253% | 2,266 |
| Net loans and leases to total assets | 75.7554% | 1,697 |
| Net loans and leases to deposits | 89.0718% | 2,011 |
| Net loans and leases to core deposits | 101.7922% | 1,630 |
| Total domestic deposits to total assets | 85.0498% | 2,588 |
| Equity capital to assets | 12.5264% | 1,565 |
| Core capital (leverage) ratio | 12.4580% | 1,522 |
| Tier 1 risk-based capital ratio | 16.2896% | 2,339 |
| Total risk-based capital ratio | 17.9714% | 2,144 |
| Memoranda: | ||
| Average total assets | $307,756,000 | 2,114 |
| Average earning assets | $282,531,750 | 2,131 |
| Average equity | $40,116,500 | 1,855 |
| Average total loans | $247,466,750 | 1,845 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7922% | 204 |
| Cost of funding earning assets | 1.3893% | 76 |
| Net interest margin | 4.4028% | 843 |
| Noninterest income to average assets | 14.5772% | 48 |
| Noninterest expense to average assets | 14.9235% | 44 |
| Loan and lease loss provision to assets | 1.1293% | 65 |
| Net operating income to assets | 1.9069% | 464 |
| Return on assets (ROA) | 1.9069% | 459 |
| Pretax return on assets | 2.5543% | 203 |
| Return on Equity (ROE) | 14.4013% | 986 |
| Retained earnings to average equity (ytd only) | 14.4013% | 243 |
| Net charge-offs to loans | 0.7242% | 201 |
| Credit loss provision to net charge-offs | 191.8605% | 1,344 |
| Earnings coverage of net charge-offs (x) | 6.2581% | 2,646 |
| Efficiency ratio | 80.2030% | 999 |
| Assets per employee ($millions) | 1.0290% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5177% | 80 |
| Loan loss allowance to noncurrent loans | 624.8774% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 2,953 |
| Noncurrent loans to loans | 0.5629% | 2,731 |
| Net loans and leases to total assets | 76.1815% | 1,607 |
| Net loans and leases to deposits | 90.6256% | 1,762 |
| Net loans and leases to core deposits | 104.7449% | 1,334 |
| Total domestic deposits to total assets | 84.0618% | 3,044 |
| Equity capital to assets | 13.5223% | 1,095 |
| Core capital (leverage) ratio | 12.7684% | 1,322 |
| Tier 1 risk-based capital ratio | 17.1172% | 2,062 |
| Total risk-based capital ratio | 18.8298% | 1,876 |
| Memoranda: | ||
| Average total assets | $292,209,330 | 2,216 |
| Average earning assets | $267,464,000 | 2,226 |
| Average equity | $38,691,000 | 1,917 |
| Average total loans | $237,492,670 | 1,909 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8206% | 175 |
| Cost of funding earning assets | 1.2758% | 92 |
| Net interest margin | 4.5448% | 560 |
| Noninterest income to average assets | 14.7016% | 46 |
| Noninterest expense to average assets | 14.1674% | 49 |
| Loan and lease loss provision to assets | 1.4399% | 56 |
| Net operating income to assets | 2.4234% | 167 |
| Return on assets (ROA) | 2.4234% | 171 |
| Pretax return on assets | 3.2441% | 95 |
| Return on Equity (ROE) | 18.5299% | 358 |
| Retained earnings to average equity (ytd only) | 18.5299% | 136 |
| Net charge-offs to loans | 0.6344% | 236 |
| Credit loss provision to net charge-offs | 274.7253% | 869 |
| Earnings coverage of net charge-offs (x) | 8.9368% | 2,000 |
| Efficiency ratio | 75.1528% | 1,724 |
| Assets per employee ($millions) | 0.9815% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6610% | 80 |
| Loan loss allowance to noncurrent loans | 1,035.9338% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 3,431 |
| Noncurrent loans to loans | 0.3534% | 3,504 |
| Net loans and leases to total assets | 78.0641% | 1,228 |
| Net loans and leases to deposits | 92.9301% | 1,343 |
| Net loans and leases to core deposits | 116.7093% | 704 |
| Total domestic deposits to total assets | 84.0030% | 3,324 |
| Equity capital to assets | 13.0395% | 1,226 |
| Core capital (leverage) ratio | 11.8507% | 1,747 |
| Tier 1 risk-based capital ratio | 15.8604% | 2,536 |
| Total risk-based capital ratio | 17.5920% | 2,286 |
| Memoranda: | ||
| Average total assets | $277,793,500 | 2,321 |
| Average earning assets | $253,652,000 | 2,346 |
| Average equity | $36,330,500 | 2,027 |
| Average total loans | $229,493,500 | 1,971 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8340% | 164 |
| Cost of funding earning assets | 1.0376% | 180 |
| Net interest margin | 4.7964% | 355 |
| Noninterest income to average assets | 13.2696% | 52 |
| Noninterest expense to average assets | 10.6718% | 63 |
| Loan and lease loss provision to assets | 2.4589% | 29 |
| Net operating income to assets | 2.8621% | 79 |
| Return on assets (ROA) | 2.8621% | 78 |
| Pretax return on assets | 4.5844% | 55 |
| Return on Equity (ROE) | 22.8259% | 102 |
| Retained earnings to average equity (ytd only) | 22.8259% | 25 |
| Net charge-offs to loans | 0.7201% | 294 |
| Credit loss provision to net charge-offs | 415.6379% | 734 |
| Earnings coverage of net charge-offs (x) | 11.9053% | 2,524 |
| Efficiency ratio | 60.2413% | 4,226 |
| Assets per employee ($millions) | 0.9669% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6981% | 77 |
| Loan loss allowance to noncurrent loans | 1,403.7997% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 4,028 |
| Noncurrent loans to loans | 0.2634% | 3,840 |
| Net loans and leases to total assets | 81.3745% | 762 |
| Net loans and leases to deposits | 106.8596% | 365 |
| Net loans and leases to core deposits | 114.9826% | 756 |
| Total domestic deposits to total assets | 76.1509% | 4,963 |
| Equity capital to assets | 13.1500% | 1,191 |
| Core capital (leverage) ratio | 11.8403% | 1,700 |
| Tier 1 risk-based capital ratio | 15.2040% | 2,746 |
| Total risk-based capital ratio | 16.9636% | 2,484 |
| Memoranda: | ||
| Average total assets | $205,372,400 | 2,869 |
| Average earning assets | $190,350,400 | 2,860 |
| Average equity | $25,751,400 | 2,624 |
| Average total loans | $168,726,000 | 2,435 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8173% | 160 |
| Cost of funding earning assets | 0.9710% | 225 |
| Net interest margin | 4.8462% | 305 |
| Noninterest income to average assets | 12.7071% | 55 |
| Noninterest expense to average assets | 9.6425% | 76 |
| Loan and lease loss provision to assets | 2.7474% | 26 |
| Net operating income to assets | 3.0062% | 79 |
| Return on assets (ROA) | 3.0062% | 77 |
| Pretax return on assets | 4.8195% | 58 |
| Return on Equity (ROE) | 24.3779% | 82 |
| Retained earnings to average equity (ytd only) | 24.3779% | 29 |
| Net charge-offs to loans | 0.6950% | 275 |
| Credit loss provision to net charge-offs | 485.8549% | 660 |
| Earnings coverage of net charge-offs (x) | 13.3813% | 2,350 |
| Efficiency ratio | 56.0302% | 4,731 |
| Assets per employee ($millions) | 1.5702% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8970% | 74 |
| Loan loss allowance to noncurrent loans | 1,594.4206% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 4,264 |
| Noncurrent loans to loans | 0.2444% | 4,078 |
| Net loans and leases to total assets | 80.4778% | 917 |
| Net loans and leases to deposits | 99.3203% | 793 |
| Net loans and leases to core deposits | 106.4622% | 1,242 |
| Total domestic deposits to total assets | 81.0286% | 4,041 |
| Equity capital to assets | 13.6868% | 1,082 |
| Core capital (leverage) ratio | 12.2369% | 1,548 |
| Tier 1 risk-based capital ratio | 16.4714% | 2,333 |
| Total risk-based capital ratio | 18.3124% | 2,092 |
| Memoranda: | ||
| Average total assets | $191,689,000 | 3,027 |
| Average earning assets | $178,085,500 | 3,007 |
| Average equity | $23,638,250 | 2,815 |
| Average total loans | $155,960,500 | 2,611 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5084% | 244 |
| Cost of funding earning assets | 0.8453% | 415 |
| Net interest margin | 4.6631% | 427 |
| Noninterest income to average assets | 12.6227% | 55 |
| Noninterest expense to average assets | 8.8941% | 80 |
| Loan and lease loss provision to assets | 3.1721% | 26 |
| Net operating income to assets | 3.0541% | 74 |
| Return on assets (ROA) | 3.0541% | 76 |
| Pretax return on assets | 4.8973% | 56 |
| Return on Equity (ROE) | 25.9721% | 68 |
| Retained earnings to average equity (ytd only) | 25.9721% | 28 |
| Net charge-offs to loans | 0.7369% | 265 |
| Credit loss provision to net charge-offs | 535.7143% | 624 |
| Earnings coverage of net charge-offs (x) | 13.6278% | 2,122 |
| Efficiency ratio | 52.4309% | 5,141 |
| Assets per employee ($millions) | 1.8664% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8229% | 71 |
| Loan loss allowance to noncurrent loans | 1,271.3462% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 4,135 |
| Noncurrent loans to loans | 0.3007% | 3,963 |
| Net loans and leases to total assets | 79.5661% | 1,012 |
| Net loans and leases to deposits | 95.6286% | 1,111 |
| Net loans and leases to core deposits | 100.0319% | 1,644 |
| Total domestic deposits to total assets | 83.2033% | 3,505 |
| Equity capital to assets | 13.6747% | 1,076 |
| Core capital (leverage) ratio | 12.9181% | 1,205 |
| Tier 1 risk-based capital ratio | 17.7897% | 1,929 |
| Total risk-based capital ratio | 19.7241% | 1,685 |
| Memoranda: | ||
| Average total assets | $179,692,330 | 3,156 |
| Average earning assets | $167,271,000 | 3,145 |
| Average equity | $21,130,330 | 3,055 |
| Average total loans | $144,393,670 | 2,738 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4030% | 271 |
| Cost of funding earning assets | 0.7265% | 735 |
| Net interest margin | 4.6765% | 387 |
| Noninterest income to average assets | 12.9341% | 55 |
| Noninterest expense to average assets | 9.1819% | 82 |
| Loan and lease loss provision to assets | 2.6663% | 24 |
| Net operating income to assets | 3.3911% | 74 |
| Return on assets (ROA) | 3.3911% | 74 |
| Pretax return on assets | 5.4393% | 54 |
| Return on Equity (ROE) | 32.1554% | 34 |
| Retained earnings to average equity (ytd only) | 32.1554% | 22 |
| Net charge-offs to loans | 0.7992% | 211 |
| Credit loss provision to net charge-offs | 423.0769% | 636 |
| Earnings coverage of net charge-offs (x) | 12.8615% | 1,822 |
| Efficiency ratio | 53.1127% | 5,193 |
| Assets per employee ($millions) | 1.9865% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6569% | 108 |
| Loan loss allowance to noncurrent loans | 1,536.8263% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 4,504 |
| Noncurrent loans to loans | 0.2380% | 4,257 |
| Net loans and leases to total assets | 75.6375% | 1,469 |
| Net loans and leases to deposits | 88.2034% | 1,769 |
| Net loans and leases to core deposits | 91.4229% | 2,224 |
| Total domestic deposits to total assets | 85.7534% | 2,774 |
| Equity capital to assets | 10.3839% | 3,314 |
| Core capital (leverage) ratio | 10.1695% | 3,286 |
| Tier 1 risk-based capital ratio | 13.3913% | 3,839 |
| Total risk-based capital ratio | 15.4395% | 3,288 |
| Memoranda: | ||
| Average total assets | $165,021,000 | 3,369 |
| Average earning assets | $153,619,500 | 3,357 |
| Average equity | $17,403,000 | 3,497 |
| Average total loans | $130,124,500 | 2,954 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5273% | 240 |
| Cost of funding earning assets | 0.5899% | 1,407 |
| Net interest margin | 4.9374% | 278 |
| Noninterest income to average assets | 11.2875% | 58 |
| Noninterest expense to average assets | 7.7972% | 107 |
| Loan and lease loss provision to assets | 2.1132% | 35 |
| Net operating income to assets | 3.7056% | 57 |
| Return on assets (ROA) | 3.7056% | 58 |
| Pretax return on assets | 5.9424% | 38 |
| Return on Equity (ROE) | 36.0199% | 20 |
| Retained earnings to average equity (ytd only) | 36.0199% | 8 |
| Net charge-offs to loans | -0.0258% | 5,194 |
| Credit loss provision to net charge-offs | -10,192.3077% | 5,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1851% | 5,520 |
| Assets per employee ($millions) | 2.1008% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5809% | 105 |
| Loan loss allowance to noncurrent loans | 1,103.5990% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 4,273 |
| Noncurrent loans to loans | 0.3245% | 3,984 |
| Net loans and leases to total assets | 76.4226% | 1,448 |
| Net loans and leases to deposits | 96.6869% | 938 |
| Net loans and leases to core deposits | 99.1279% | 1,695 |
| Total domestic deposits to total assets | 79.0414% | 4,787 |
| Equity capital to assets | 10.7375% | 2,881 |
| Core capital (leverage) ratio | 9.9154% | 3,606 |
| Tier 1 risk-based capital ratio | 13.8266% | 3,561 |
| Total risk-based capital ratio | 15.9880% | 3,023 |
| Memoranda: | ||
| Average total assets | $125,404,200 | 3,902 |
| Average earning assets | $115,952,000 | 3,900 |
| Average equity | $12,901,200 | 4,103 |
| Average total loans | $100,950,800 | 3,365 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4965% | 249 |
| Cost of funding earning assets | 0.5426% | 1,772 |
| Net interest margin | 4.9539% | 279 |
| Noninterest income to average assets | 10.9631% | 59 |
| Noninterest expense to average assets | 7.3592% | 124 |
| Loan and lease loss provision to assets | 2.2980% | 32 |
| Net operating income to assets | 3.6656% | 59 |
| Return on assets (ROA) | 3.6656% | 60 |
| Pretax return on assets | 5.8806% | 41 |
| Return on Equity (ROE) | 36.1329% | 19 |
| Retained earnings to average equity (ytd only) | 36.1329% | 7 |
| Net charge-offs to loans | -0.1552% | 5,696 |
| Credit loss provision to net charge-offs | -1,830.3571% | 5,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3631% | 5,615 |
| Assets per employee ($millions) | 2.0744% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1937% | 148 |
| Loan loss allowance to noncurrent loans | 1,173.6025% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 4,291 |
| Noncurrent loans to loans | 0.2721% | 4,287 |
| Net loans and leases to total assets | 86.2808% | 236 |
| Net loans and leases to deposits | 102.4149% | 542 |
| Net loans and leases to core deposits | 105.6735% | 1,214 |
| Total domestic deposits to total assets | 84.2464% | 3,125 |
| Equity capital to assets | 11.1959% | 2,801 |
| Core capital (leverage) ratio | 9.8271% | 3,776 |
| Tier 1 risk-based capital ratio | 13.2858% | 3,986 |
| Total risk-based capital ratio | 15.4754% | 3,370 |
| Memoranda: | ||
| Average total assets | $118,941,500 | 4,039 |
| Average earning assets | $109,836,000 | 4,028 |
| Average equity | $12,066,250 | 4,281 |
| Average total loans | $96,217,000 | 3,471 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 362 |
| Cost of funding earning assets | 0.4896% | 2,193 |
| Net interest margin | 4.8122% | 358 |
| Noninterest income to average assets | 9.7486% | 63 |
| Noninterest expense to average assets | 6.7329% | 145 |
| Loan and lease loss provision to assets | 1.8367% | 43 |
| Net operating income to assets | 3.5020% | 67 |
| Return on assets (ROA) | 3.5020% | 67 |
| Pretax return on assets | 5.6151% | 45 |
| Return on Equity (ROE) | 35.9630% | 24 |
| Retained earnings to average equity (ytd only) | 35.9630% | 11 |
| Net charge-offs to loans | -0.3061% | 5,889 |
| Credit loss provision to net charge-offs | -772.0588% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4658% | 5,694 |
| Assets per employee ($millions) | 2.4963% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7301% | 275 |
| Loan loss allowance to noncurrent loans | 889.8413% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 4,467 |
| Noncurrent loans to loans | 0.3068% | 4,270 |
| Net loans and leases to total assets | 81.6477% | 667 |
| Net loans and leases to deposits | 96.2277% | 1,058 |
| Net loans and leases to core deposits | 99.1482% | 1,702 |
| Total domestic deposits to total assets | 84.8484% | 2,938 |
| Equity capital to assets | 10.6780% | 3,429 |
| Core capital (leverage) ratio | 10.0628% | 3,496 |
| Tier 1 risk-based capital ratio | 13.3003% | 4,021 |
| Total risk-based capital ratio | 15.6003% | 3,332 |
| Memoranda: | ||
| Average total assets | $114,334,330 | 4,148 |
| Average earning assets | $105,399,000 | 4,144 |
| Average equity | $11,133,670 | 4,475 |
| Average total loans | $88,846,670 | 3,637 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,206 |
| Cost of funding earning assets | 0.4385% | 2,692 |
| Net interest margin | 4.1839% | 1,132 |
| Noninterest income to average assets | 8.4246% | 71 |
| Noninterest expense to average assets | 5.8363% | 187 |
| Loan and lease loss provision to assets | 1.1781% | 78 |
| Net operating income to assets | 3.2698% | 79 |
| Return on assets (ROA) | 3.2698% | 78 |
| Pretax return on assets | 5.2491% | 52 |
| Return on Equity (ROE) | 35.4769% | 31 |
| Retained earnings to average equity (ytd only) | 35.4769% | 15 |
| Net charge-offs to loans | -0.1269% | 5,723 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5909% | 5,742 |
| Assets per employee ($millions) | 2.8232% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2378% | 562 |
| Loan loss allowance to noncurrent loans | 1,150.2924% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,981 |
| Noncurrent loans to loans | 0.1945% | 4,719 |
| Net loans and leases to total assets | 74.2378% | 1,696 |
| Net loans and leases to deposits | 86.4723% | 2,016 |
| Net loans and leases to core deposits | 88.0765% | 2,557 |
| Total domestic deposits to total assets | 85.8515% | 2,734 |
| Equity capital to assets | 9.6077% | 4,559 |
| Core capital (leverage) ratio | 10.6547% | 2,791 |
| Tier 1 risk-based capital ratio | 13.2952% | 4,099 |
| Total risk-based capital ratio | 15.7220% | 3,344 |
| Memoranda: | ||
| Average total assets | $110,343,000 | 4,257 |
| Average earning assets | $101,246,000 | 4,265 |
| Average equity | $10,170,000 | 4,636 |
| Average total loans | $81,934,000 | 3,805 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 1,207 |
| Cost of funding earning assets | 0.3706% | 3,481 |
| Net interest margin | 4.2834% | 996 |
| Noninterest income to average assets | 4.5874% | 140 |
| Noninterest expense to average assets | 4.8928% | 304 |
| Loan and lease loss provision to assets | 0.1856% | 1,206 |
| Net operating income to assets | 2.4817% | 156 |
| Return on assets (ROA) | 2.5000% | 155 |
| Pretax return on assets | 3.4822% | 89 |
| Return on Equity (ROE) | 30.2466% | 57 |
| Retained earnings to average equity (ytd only) | 30.2466% | 27 |
| Net charge-offs to loans | -0.0665% | 5,650 |
| Credit loss provision to net charge-offs | -380.4348% | 5,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3257% | 5,220 |
| Assets per employee ($millions) | 3.0906% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1285% | 663 |
| Loan loss allowance to noncurrent loans | 433.5121% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 4,168 |
| Noncurrent loans to loans | 0.4910% | 3,728 |
| Net loans and leases to total assets | 70.7585% | 2,255 |
| Net loans and leases to deposits | 85.7896% | 2,157 |
| Net loans and leases to core deposits | 91.3820% | 2,284 |
| Total domestic deposits to total assets | 82.4791% | 4,022 |
| Equity capital to assets | 8.7733% | 5,335 |
| Core capital (leverage) ratio | 9.3074% | 4,462 |
| Tier 1 risk-based capital ratio | 12.0271% | 4,929 |
| Total risk-based capital ratio | 14.5567% | 4,051 |
| Memoranda: | ||
| Average total assets | $94,280,600 | 4,576 |
| Average earning assets | $86,893,800 | 4,564 |
| Average equity | $7,792,600 | 5,094 |
| Average total loans | $69,123,800 | 4,118 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5485% | 1,459 |
| Cost of funding earning assets | 0.3490% | 3,765 |
| Net interest margin | 4.1994% | 1,166 |
| Noninterest income to average assets | 3.9352% | 158 |
| Noninterest expense to average assets | 4.8437% | 320 |
| Loan and lease loss provision to assets | 0.2548% | 668 |
| Net operating income to assets | 2.1498% | 282 |
| Return on assets (ROA) | 2.1532% | 296 |
| Pretax return on assets | 2.7298% | 163 |
| Return on Equity (ROE) | 26.5190% | 90 |
| Retained earnings to average equity (ytd only) | 26.5190% | 37 |
| Net charge-offs to loans | -0.1048% | 5,802 |
| Credit loss provision to net charge-offs | -330.1887% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9092% | 4,584 |
| Assets per employee ($millions) | 2.8657% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1874% | 681 |
| Loan loss allowance to noncurrent loans | 360.8889% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 3,999 |
| Noncurrent loans to loans | 0.6061% | 3,500 |
| Net loans and leases to total assets | 72.4025% | 1,997 |
| Net loans and leases to deposits | 83.8082% | 2,427 |
| Net loans and leases to core deposits | 89.5547% | 2,508 |
| Total domestic deposits to total assets | 86.3907% | 2,333 |
| Equity capital to assets | 8.3161% | 5,822 |
| Core capital (leverage) ratio | 8.3579% | 5,668 |
| Tier 1 risk-based capital ratio | 11.3809% | 5,441 |
| Total risk-based capital ratio | 13.9818% | 4,497 |
| Memoranda: | ||
| Average total assets | $91,580,750 | 4,688 |
| Average earning assets | $84,803,250 | 4,668 |
| Average equity | $7,436,000 | 5,227 |
| Average total loans | $67,412,250 | 4,192 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 1,626 |
| Cost of funding earning assets | 0.3122% | 4,253 |
| Net interest margin | 4.1589% | 1,206 |
| Noninterest income to average assets | 3.1554% | 204 |
| Noninterest expense to average assets | 4.6891% | 368 |
| Loan and lease loss provision to assets | 0.1692% | 1,236 |
| Net operating income to assets | 2.0266% | 351 |
| Return on assets (ROA) | 2.0502% | 354 |
| Pretax return on assets | 2.1675% | 440 |
| Return on Equity (ROE) | 25.4824% | 112 |
| Retained earnings to average equity (ytd only) | 25.4824% | 41 |
| Net charge-offs to loans | 0.0184% | 3,328 |
| Credit loss provision to net charge-offs | 1,250.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 170.8333% | 385 |
| Efficiency ratio | 66.9781% | 3,843 |
| Assets per employee ($millions) | 3.0875% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1088% | 848 |
| Loan loss allowance to noncurrent loans | 320.5689% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 3,973 |
| Noncurrent loans to loans | 0.6578% | 3,506 |
| Net loans and leases to total assets | 73.4205% | 1,751 |
| Net loans and leases to deposits | 87.8028% | 1,864 |
| Net loans and leases to core deposits | 88.4572% | 2,510 |
| Total domestic deposits to total assets | 83.6198% | 3,725 |
| Equity capital to assets | 8.3132% | 5,823 |
| Core capital (leverage) ratio | 8.7533% | 5,273 |
| Tier 1 risk-based capital ratio | 11.0221% | 5,699 |
| Total risk-based capital ratio | 13.0334% | 5,197 |
| Memoranda: | ||
| Average total assets | $88,674,670 | 4,799 |
| Average earning assets | $81,993,000 | 4,776 |
| Average equity | $7,134,330 | 5,333 |
| Average total loans | $65,135,330 | 4,307 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 1,995 |
| Cost of funding earning assets | 0.3090% | 4,339 |
| Net interest margin | 4.0224% | 1,487 |
| Noninterest income to average assets | 2.9942% | 217 |
| Noninterest expense to average assets | 4.3829% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1730% | 241 |
| Return on assets (ROA) | 2.1730% | 260 |
| Pretax return on assets | 2.3345% | 307 |
| Return on Equity (ROE) | 27.4976% | 80 |
| Retained earnings to average equity (ytd only) | 27.4976% | 35 |
| Net charge-offs to loans | 0.0635% | 2,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 50.6000% | 830 |
| Efficiency ratio | 65.2473% | 4,279 |
| Assets per employee ($millions) | 3.3723% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0700% | 964 |
| Loan loss allowance to noncurrent loans | 215.5521% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 3,372 |
| Noncurrent loans to loans | 0.9603% | 2,855 |
| Net loans and leases to total assets | 72.0149% | 1,799 |
| Net loans and leases to deposits | 87.4957% | 1,674 |
| Net loans and leases to core deposits | 88.1674% | 2,311 |
| Total domestic deposits to total assets | 82.3068% | 4,411 |
| Equity capital to assets | 7.7835% | 6,104 |
| Core capital (leverage) ratio | 8.7185% | 5,304 |
| Tier 1 risk-based capital ratio | 10.4844% | 6,018 |
| Total risk-based capital ratio | 12.5178% | 5,593 |
| Memoranda: | ||
| Average total assets | $86,700,000 | 4,885 |
| Average earning assets | $80,250,000 | 4,862 |
| Average equity | $6,851,500 | 5,433 |
| Average total loans | $62,968,000 | 4,395 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 2,005 |
| Cost of funding earning assets | 0.3017% | 4,774 |
| Net interest margin | 4.1648% | 1,396 |
| Noninterest income to average assets | 0.7882% | 1,916 |
| Noninterest expense to average assets | 4.0000% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8668% | 3,037 |
| Return on assets (ROA) | 0.8537% | 3,197 |
| Pretax return on assets | 0.6246% | 4,855 |
| Return on Equity (ROE) | 11.1743% | 1,668 |
| Retained earnings to average equity (ytd only) | 11.1743% | 362 |
| Net charge-offs to loans | 0.1269% | 2,759 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.1618% | 3,079 |
| Efficiency ratio | 86.2507% | 1,143 |
| Assets per employee ($millions) | 3.1672% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3669% | 651 |
| Loan loss allowance to noncurrent loans | 208.6697% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 3,176 |
| Noncurrent loans to loans | 1.1343% | 2,570 |
| Net loans and leases to total assets | 69.9264% | 2,250 |
| Net loans and leases to deposits | 83.5517% | 2,268 |
| Net loans and leases to core deposits | 84.2473% | 2,874 |
| Total domestic deposits to total assets | 83.6924% | 3,844 |
| Equity capital to assets | 8.0342% | 6,052 |
| Core capital (leverage) ratio | 8.7365% | 5,313 |
| Tier 1 risk-based capital ratio | 11.1122% | 5,864 |
| Total risk-based capital ratio | 13.2151% | 5,287 |
| Memoranda: | ||
| Average total assets | $76,374,800 | 5,148 |
| Average earning assets | $70,590,800 | 5,107 |
| Average equity | $5,834,800 | 5,657 |
| Average total loans | $53,593,000 | 4,705 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 1,835 |
| Cost of funding earning assets | 0.3118% | 4,761 |
| Net interest margin | 4.1976% | 1,297 |
| Noninterest income to average assets | 0.5983% | 2,885 |
| Noninterest expense to average assets | 3.7071% | 1,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7745% | 3,538 |
| Return on assets (ROA) | 0.7745% | 3,646 |
| Pretax return on assets | 0.7745% | 4,456 |
| Return on Equity (ROE) | 10.2844% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.2844% | 635 |
| Net charge-offs to loans | 0.2731% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.0655% | 3,543 |
| Efficiency ratio | 82.7175% | 1,525 |
| Assets per employee ($millions) | 3.0550% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5715% | 595 |
| Loan loss allowance to noncurrent loans | 222.8243% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 3,426 |
| Noncurrent loans to loans | 1.1541% | 2,751 |
| Net loans and leases to total assets | 67.3165% | 2,643 |
| Net loans and leases to deposits | 81.9096% | 2,435 |
| Net loans and leases to core deposits | 82.6576% | 3,041 |
| Total domestic deposits to total assets | 82.1840% | 4,418 |
| Equity capital to assets | 8.3588% | 5,901 |
| Core capital (leverage) ratio | 8.6606% | 5,489 |
| Tier 1 risk-based capital ratio | 11.7762% | 5,625 |
| Total risk-based capital ratio | 13.0421% | 5,536 |
| Memoranda: | ||
| Average total assets | $74,881,500 | 5,230 |
| Average earning assets | $69,275,750 | 5,196 |
| Average equity | $5,639,500 | 5,759 |
| Average total loans | $52,246,500 | 4,785 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 1,825 |
| Cost of funding earning assets | 0.3197% | 4,762 |
| Net interest margin | 4.1822% | 1,289 |
| Noninterest income to average assets | 0.5485% | 3,137 |
| Noninterest expense to average assets | 3.5949% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8228% | 3,220 |
| Return on assets (ROA) | 0.8228% | 3,318 |
| Pretax return on assets | 0.8228% | 4,187 |
| Return on Equity (ROE) | 11.3516% | 1,616 |
| Retained earnings to average equity (ytd only) | 11.3516% | 490 |
| Net charge-offs to loans | 0.4494% | 902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.6154% | 3,513 |
| Efficiency ratio | 81.3755% | 1,827 |
| Assets per employee ($millions) | 3.8048% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5869% | 630 |
| Loan loss allowance to noncurrent loans | 226.3866% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 2,925 |
| Noncurrent loans to loans | 1.1427% | 2,946 |
| Net loans and leases to total assets | 66.6579% | 2,648 |
| Net loans and leases to deposits | 79.1277% | 2,643 |
| Net loans and leases to core deposits | 79.8325% | 3,233 |
| Total domestic deposits to total assets | 84.2410% | 3,839 |
| Equity capital to assets | 8.2173% | 6,013 |
| Core capital (leverage) ratio | 8.7817% | 5,290 |
| Tier 1 risk-based capital ratio | 11.6887% | 5,698 |
| Total risk-based capital ratio | 12.9547% | 5,636 |
| Memoranda: | ||
| Average total assets | $74,383,670 | 5,284 |
| Average earning assets | $68,815,000 | 5,251 |
| Average equity | $5,391,330 | 5,865 |
| Average total loans | $52,072,000 | 4,829 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4775% | 1,877 |
| Cost of funding earning assets | 0.3345% | 4,694 |
| Net interest margin | 4.1430% | 1,359 |
| Noninterest income to average assets | 0.5603% | 2,982 |
| Noninterest expense to average assets | 3.7319% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6691% | 3,845 |
| Return on assets (ROA) | 0.6691% | 3,932 |
| Pretax return on assets | 0.6691% | 4,600 |
| Return on Equity (ROE) | 9.9184% | 2,072 |
| Retained earnings to average equity (ytd only) | 9.9184% | 986 |
| Net charge-offs to loans | 0.9602% | 356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.9840% | 3,218 |
| Efficiency ratio | 84.7960% | 1,578 |
| Assets per employee ($millions) | 3.4077% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6029% | 714 |
| Loan loss allowance to noncurrent loans | 121.8380% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 2.6048% | 1,197 |
| Noncurrent loans to loans | 2.1364% | 1,714 |
| Net loans and leases to total assets | 70.0144% | 1,883 |
| Net loans and leases to deposits | 78.9795% | 2,430 |
| Net loans and leases to core deposits | 79.6879% | 3,009 |
| Total domestic deposits to total assets | 88.6488% | 1,865 |
| Equity capital to assets | 8.2629% | 5,854 |
| Core capital (leverage) ratio | 8.2120% | 5,932 |
| Tier 1 risk-based capital ratio | 11.4707% | 5,928 |
| Total risk-based capital ratio | 12.7381% | 5,866 |
| Memoranda: | ||
| Average total assets | $73,527,500 | 5,347 |
| Average earning assets | $68,163,500 | 5,312 |
| Average equity | $4,960,500 | 6,006 |
| Average total loans | $52,072,500 | 4,863 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 1,995 |
| Cost of funding earning assets | 0.4101% | 4,538 |
| Net interest margin | 4.1516% | 1,494 |
| Noninterest income to average assets | 1.0207% | 1,345 |
| Noninterest expense to average assets | 4.7443% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1235% | 5,992 |
| Return on assets (ROA) | 0.1235% | 6,055 |
| Pretax return on assets | 0.1235% | 6,059 |
| Return on Equity (ROE) | 2.4060% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.4060% | 4,535 |
| Net charge-offs to loans | 0.6408% | 1,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.2609% | 5,001 |
| Efficiency ratio | 97.4634% | 568 |
| Assets per employee ($millions) | 3.2823% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7778% | 619 |
| Loan loss allowance to noncurrent loans | 120.0000% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 3.2811% | 920 |
| Noncurrent loans to loans | 2.3149% | 1,661 |
| Net loans and leases to total assets | 67.8716% | 2,378 |
| Net loans and leases to deposits | 76.7648% | 2,888 |
| Net loans and leases to core deposits | 78.3052% | 3,317 |
| Total domestic deposits to total assets | 88.4150% | 1,942 |
| Equity capital to assets | 5.3090% | 6,668 |
| Core capital (leverage) ratio | 5.7426% | 6,670 |
| Tier 1 risk-based capital ratio | 7.8890% | 6,699 |
| Total risk-based capital ratio | 9.1585% | 6,700 |
| Memoranda: | ||
| Average total assets | $72,888,000 | 5,397 |
| Average earning assets | $67,540,800 | 5,357 |
| Average equity | $3,740,600 | 6,382 |
| Average total loans | $53,835,200 | 4,814 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 1,839 |
| Cost of funding earning assets | 0.4223% | 4,586 |
| Net interest margin | 4.1954% | 1,346 |
| Noninterest income to average assets | 0.7937% | 2,180 |
| Noninterest expense to average assets | 4.5571% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1237% | 6,091 |
| Return on assets (ROA) | 0.1237% | 6,159 |
| Pretax return on assets | 0.1237% | 6,188 |
| Return on Equity (ROE) | 2.4316% | 5,812 |
| Retained earnings to average equity (ytd only) | 2.4316% | 4,872 |
| Net charge-offs to loans | 0.5938% | 1,053 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.2780% | 4,767 |
| Efficiency ratio | 97.3580% | 556 |
| Assets per employee ($millions) | 2.7912% | 6,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9579% | 573 |
| Loan loss allowance to noncurrent loans | 137.0629% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 3.3634% | 1,029 |
| Noncurrent loans to loans | 2.1580% | 2,051 |
| Net loans and leases to total assets | 73.7206% | 1,329 |
| Net loans and leases to deposits | 80.5963% | 2,325 |
| Net loans and leases to core deposits | 81.3110% | 2,960 |
| Total domestic deposits to total assets | 91.4690% | 376 |
| Equity capital to assets | 5.3095% | 6,750 |
| Core capital (leverage) ratio | 5.2414% | 6,775 |
| Tier 1 risk-based capital ratio | 7.3348% | 6,789 |
| Total risk-based capital ratio | 8.6068% | 6,786 |
| Memoranda: | ||
| Average total assets | $72,236,500 | 5,463 |
| Average earning assets | $66,929,250 | 5,434 |
| Average equity | $3,673,750 | 6,474 |
| Average total loans | $54,118,250 | 4,855 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 2,038 |
| Cost of funding earning assets | 0.4190% | 4,762 |
| Net interest margin | 4.1285% | 1,469 |
| Noninterest income to average assets | 0.7912% | 2,229 |
| Noninterest expense to average assets | 4.5692% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0520% | 6,242 |
| Return on assets (ROA) | 0.0520% | 6,319 |
| Pretax return on assets | 0.0520% | 6,303 |
| Return on Equity (ROE) | 1.0373% | 6,205 |
| Retained earnings to average equity (ytd only) | 1.0373% | 5,490 |
| Net charge-offs to loans | 0.6424% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.1086% | 4,507 |
| Efficiency ratio | 98.8744% | 531 |
| Assets per employee ($millions) | 2.8851% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0556% | 549 |
| Loan loss allowance to noncurrent loans | 140.6196% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 3.2789% | 1,202 |
| Noncurrent loans to loans | 2.1730% | 2,208 |
| Net loans and leases to total assets | 71.8736% | 1,603 |
| Net loans and leases to deposits | 78.2837% | 2,535 |
| Net loans and leases to core deposits | 78.9501% | 3,173 |
| Total domestic deposits to total assets | 91.8118% | 288 |
| Equity capital to assets | 5.0812% | 6,822 |
| Core capital (leverage) ratio | 5.1854% | 6,814 |
| Tier 1 risk-based capital ratio | 7.4815% | 6,823 |
| Total risk-based capital ratio | 8.7572% | 6,823 |
| Memoranda: | ||
| Average total assets | $73,055,000 | 5,485 |
| Average earning assets | $67,773,330 | 5,451 |
| Average equity | $3,663,330 | 6,528 |
| Average total loans | $54,487,330 | 4,868 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 1,993 |
| Cost of funding earning assets | 0.4162% | 4,948 |
| Net interest margin | 4.1327% | 1,366 |
| Noninterest income to average assets | 0.4788% | 3,933 |
| Noninterest expense to average assets | 4.3091% | 623 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0054% | 6,335 |
| Return on assets (ROA) | 0.0054% | 6,410 |
| Pretax return on assets | 0.0054% | 6,402 |
| Return on Equity (ROE) | 0.1092% | 6,403 |
| Retained earnings to average equity (ytd only) | 0.1092% | 5,742 |
| Net charge-offs to loans | 0.1164% | 2,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0625% | 3,800 |
| Efficiency ratio | 99.8739% | 549 |
| Assets per employee ($millions) | 2.7708% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3104% | 488 |
| Loan loss allowance to noncurrent loans | 104.0046% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 3.0511% | 1,460 |
| Noncurrent loans to loans | 3.1829% | 1,548 |
| Net loans and leases to total assets | 72.6555% | 1,256 |
| Net loans and leases to deposits | 79.0518% | 2,206 |
| Net loans and leases to core deposits | 79.7225% | 2,842 |
| Total domestic deposits to total assets | 91.9087% | 264 |
| Equity capital to assets | 5.0875% | 6,886 |
| Core capital (leverage) ratio | 5.1584% | 6,869 |
| Tier 1 risk-based capital ratio | 7.5317% | 6,875 |
| Total risk-based capital ratio | 8.8120% | 6,874 |
| Memoranda: | ||
| Average total assets | $73,518,500 | 5,523 |
| Average earning assets | $68,236,000 | 5,485 |
| Average equity | $3,662,500 | 6,595 |
| Average total loans | $54,993,500 | 4,890 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 1,447 |
| Cost of funding earning assets | 0.5060% | 5,173 |
| Net interest margin | 4.5396% | 876 |
| Noninterest income to average assets | 0.4750% | 4,064 |
| Noninterest expense to average assets | 4.5748% | 534 |
| Loan and lease loss provision to assets | 1.5425% | 201 |
| Net operating income to assets | -1.5141% | 6,860 |
| Return on assets (ROA) | -1.5141% | 6,871 |
| Pretax return on assets | -1.5141% | 6,852 |
| Return on Equity (ROE) | -26.8691% | 6,938 |
| Retained earnings to average equity (ytd only) | -26.8691% | 6,912 |
| Net charge-offs to loans | 0.9589% | 1,149 |
| Credit loss provision to net charge-offs | 209.3407% | 1,219 |
| Earnings coverage of net charge-offs (x) | 0.0385% | 5,470 |
| Efficiency ratio | 99.3843% | 583 |
| Assets per employee ($millions) | 2.9999% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2370% | 532 |
| Loan loss allowance to noncurrent loans | 103.7292% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 2.9228% | 1,628 |
| Noncurrent loans to loans | 3.1206% | 1,660 |
| Net loans and leases to total assets | 72.0642% | 1,478 |
| Net loans and leases to deposits | 81.1014% | 2,132 |
| Net loans and leases to core deposits | 82.1505% | 2,752 |
| Total domestic deposits to total assets | 88.8569% | 1,674 |
| Equity capital to assets | 4.8802% | 6,958 |
| Core capital (leverage) ratio | 4.9737% | 6,936 |
| Tier 1 risk-based capital ratio | 7.2461% | 6,942 |
| Total risk-based capital ratio | 8.5257% | 6,941 |
| Memoranda: | ||
| Average total assets | $74,102,400 | 5,508 |
| Average earning assets | $67,385,200 | 5,508 |
| Average equity | $4,175,800 | 6,526 |
| Average total loans | $56,943,000 | 4,836 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 1,463 |
| Cost of funding earning assets | 0.5231% | 5,288 |
| Net interest margin | 4.5610% | 885 |
| Noninterest income to average assets | 0.3808% | 4,777 |
| Noninterest expense to average assets | 4.5876% | 511 |
| Loan and lease loss provision to assets | 2.0610% | 109 |
| Net operating income to assets | -2.1296% | 7,056 |
| Return on assets (ROA) | -2.1296% | 7,064 |
| Pretax return on assets | -2.1296% | 7,050 |
| Return on Equity (ROE) | -36.5478% | 7,091 |
| Retained earnings to average equity (ytd only) | -36.5478% | 7,084 |
| Net charge-offs to loans | 1.2840% | 740 |
| Credit loss provision to net charge-offs | 207.2595% | 1,336 |
| Earnings coverage of net charge-offs (x) | -0.0690% | 5,364 |
| Efficiency ratio | 101.5176% | 498 |
| Assets per employee ($millions) | 3.2356% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0762% | 667 |
| Loan loss allowance to noncurrent loans | 188.5983% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 2.7532% | 1,910 |
| Noncurrent loans to loans | 1.6311% | 3,351 |
| Net loans and leases to total assets | 73.1556% | 1,366 |
| Net loans and leases to deposits | 83.3918% | 1,941 |
| Net loans and leases to core deposits | 84.4442% | 2,647 |
| Total domestic deposits to total assets | 87.7252% | 2,209 |
| Equity capital to assets | 4.6475% | 7,069 |
| Core capital (leverage) ratio | 4.9014% | 7,034 |
| Tier 1 risk-based capital ratio | 6.6110% | 7,068 |
| Total risk-based capital ratio | 7.8863% | 7,068 |
| Memoranda: | ||
| Average total assets | $73,878,750 | 5,575 |
| Average earning assets | $67,031,000 | 5,581 |
| Average equity | $4,304,750 | 6,564 |
| Average total loans | $57,215,250 | 4,877 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 1,512 |
| Cost of funding earning assets | 0.5400% | 5,372 |
| Net interest margin | 4.5563% | 897 |
| Noninterest income to average assets | 0.5343% | 3,692 |
| Noninterest expense to average assets | 4.5249% | 543 |
| Loan and lease loss provision to assets | 2.2060% | 111 |
| Net operating income to assets | -2.0600% | 7,075 |
| Return on assets (ROA) | -2.0600% | 7,084 |
| Pretax return on assets | -2.0600% | 7,073 |
| Return on Equity (ROE) | -32.9757% | 7,122 |
| Retained earnings to average equity (ytd only) | -32.9757% | 7,114 |
| Net charge-offs to loans | 1.5154% | 658 |
| Credit loss provision to net charge-offs | 186.2791% | 1,518 |
| Earnings coverage of net charge-offs (x) | 0.1233% | 5,016 |
| Efficiency ratio | 96.8750% | 666 |
| Assets per employee ($millions) | 3.2911% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7484% | 991 |
| Loan loss allowance to noncurrent loans | 99.3099% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 4.7248% | 1,023 |
| Noncurrent loans to loans | 2.7675% | 2,167 |
| Net loans and leases to total assets | 77.3621% | 801 |
| Net loans and leases to deposits | 89.6970% | 1,174 |
| Net loans and leases to core deposits | 90.5643% | 1,926 |
| Total domestic deposits to total assets | 86.2482% | 3,222 |
| Equity capital to assets | 5.5797% | 7,056 |
| Core capital (leverage) ratio | 5.5820% | 7,022 |
| Tier 1 risk-based capital ratio | 7.4986% | 7,064 |
| Total risk-based capital ratio | 8.7688% | 7,066 |
| Memoranda: | ||
| Average total assets | $72,620,000 | 5,652 |
| Average earning assets | $65,930,670 | 5,651 |
| Average equity | $4,536,670 | 6,536 |
| Average total loans | $56,749,670 | 4,918 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 1,848 |
| Cost of funding earning assets | 0.5596% | 5,434 |
| Net interest margin | 4.4527% | 1,106 |
| Noninterest income to average assets | 0.6160% | 3,129 |
| Noninterest expense to average assets | 4.4880% | 557 |
| Loan and lease loss provision to assets | 0.1650% | 3,326 |
| Net operating income to assets | -0.0110% | 6,435 |
| Return on assets (ROA) | -0.0110% | 6,546 |
| Pretax return on assets | -0.0110% | 6,541 |
| Return on Equity (ROE) | -0.1672% | 6,552 |
| Retained earnings to average equity (ytd only) | -0.1672% | 6,023 |
| Net charge-offs to loans | 0.6533% | 1,498 |
| Credit loss provision to net charge-offs | 32.6087% | 3,579 |
| Earnings coverage of net charge-offs (x) | 0.3043% | 4,210 |
| Efficiency ratio | 96.6825% | 690 |
| Assets per employee ($millions) | 3.1727% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0453% | 2,226 |
| Loan loss allowance to noncurrent loans | 57.7309% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 5.5446% | 883 |
| Noncurrent loans to loans | 3.5428% | 1,755 |
| Net loans and leases to total assets | 75.4769% | 862 |
| Net loans and leases to deposits | 88.4246% | 1,118 |
| Net loans and leases to core deposits | 89.2817% | 1,923 |
| Total domestic deposits to total assets | 85.3574% | 3,853 |
| Equity capital to assets | 6.5546% | 7,002 |
| Core capital (leverage) ratio | 6.5681% | 6,957 |
| Tier 1 risk-based capital ratio | 9.0788% | 7,017 |
| Total risk-based capital ratio | 10.3408% | 7,022 |
| Memoranda: | ||
| Average total assets | $72,727,500 | 5,688 |
| Average earning assets | $65,757,500 | 5,693 |
| Average equity | $4,785,000 | 6,485 |
| Average total loans | $56,326,000 | 4,971 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 3,411 |
| Cost of funding earning assets | 0.8199% | 4,707 |
| Net interest margin | 4.0693% | 2,571 |
| Noninterest income to average assets | -0.6174% | 7,279 |
| Noninterest expense to average assets | 5.0425% | 372 |
| Loan and lease loss provision to assets | 2.7317% | 149 |
| Net operating income to assets | -4.6645% | 7,288 |
| Return on assets (ROA) | -4.6620% | 7,293 |
| Pretax return on assets | -4.6620% | 7,302 |
| Return on Equity (ROE) | -66.6955% | 7,264 |
| Retained earnings to average equity (ytd only) | -66.6955% | 7,264 |
| Net charge-offs to loans | 4.3864% | 114 |
| Credit loss provision to net charge-offs | 77.9295% | 4,555 |
| Earnings coverage of net charge-offs (x) | -0.5514% | 6,095 |
| Efficiency ratio | 162.1556% | 110 |
| Assets per employee ($millions) | 3.0201% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1480% | 1,897 |
| Loan loss allowance to noncurrent loans | 69.3364% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 6.3035% | 757 |
| Noncurrent loans to loans | 3.0979% | 2,085 |
| Net loans and leases to total assets | 76.1737% | 926 |
| Net loans and leases to deposits | 86.5489% | 1,600 |
| Net loans and leases to core deposits | 88.7626% | 2,288 |
| Total domestic deposits to total assets | 88.0124% | 2,143 |
| Equity capital to assets | 6.6043% | 7,037 |
| Core capital (leverage) ratio | 6.3411% | 7,009 |
| Tier 1 risk-based capital ratio | 8.9425% | 7,042 |
| Total risk-based capital ratio | 10.2055% | 7,046 |
| Memoranda: | ||
| Average total assets | $79,364,800 | 5,469 |
| Average earning assets | $72,691,000 | 5,456 |
| Average equity | $5,547,600 | 6,278 |
| Average total loans | $63,423,000 | 4,728 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 3,783 |
| Cost of funding earning assets | 0.8498% | 4,774 |
| Net interest margin | 4.0001% | 2,912 |
| Noninterest income to average assets | -0.4160% | 7,327 |
| Noninterest expense to average assets | 5.1632% | 324 |
| Loan and lease loss provision to assets | 2.5503% | 173 |
| Net operating income to assets | -4.4528% | 7,355 |
| Return on assets (ROA) | -4.4495% | 7,359 |
| Pretax return on assets | -4.4495% | 7,359 |
| Return on Equity (ROE) | -62.8802% | 7,331 |
| Retained earnings to average equity (ytd only) | -62.8802% | 7,328 |
| Net charge-offs to loans | 4.4189% | 128 |
| Credit loss provision to net charge-offs | 71.8056% | 4,422 |
| Earnings coverage of net charge-offs (x) | -0.5356% | 5,845 |
| Efficiency ratio | 158.3459% | 112 |
| Assets per employee ($millions) | 3.2786% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0366% | 2,238 |
| Loan loss allowance to noncurrent loans | 29.9385% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 7.8109% | 575 |
| Noncurrent loans to loans | 6.8028% | 746 |
| Net loans and leases to total assets | 77.6294% | 754 |
| Net loans and leases to deposits | 89.0407% | 1,319 |
| Net loans and leases to core deposits | 91.2432% | 2,085 |
| Total domestic deposits to total assets | 87.1842% | 2,535 |
| Equity capital to assets | 7.6664% | 6,861 |
| Core capital (leverage) ratio | 7.6450% | 6,675 |
| Tier 1 risk-based capital ratio | 10.4606% | 6,793 |
| Total risk-based capital ratio | 11.7220% | 6,775 |
| Memoranda: | ||
| Average total assets | $81,085,250 | 5,474 |
| Average earning assets | $74,529,250 | 5,430 |
| Average equity | $5,737,750 | 6,265 |
| Average total loans | $65,172,500 | 4,709 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8160% | 4,027 |
| Cost of funding earning assets | 0.8983% | 4,684 |
| Net interest margin | 3.9178% | 3,228 |
| Noninterest income to average assets | -0.2700% | 7,376 |
| Noninterest expense to average assets | 5.1146% | 337 |
| Loan and lease loss provision to assets | 3.5407% | 106 |
| Net operating income to assets | -5.3195% | 7,448 |
| Return on assets (ROA) | -5.3147% | 7,449 |
| Pretax return on assets | -5.3147% | 7,447 |
| Return on Equity (ROE) | -77.0530% | 7,418 |
| Retained earnings to average equity (ytd only) | -77.0530% | 7,415 |
| Net charge-offs to loans | 6.3005% | 71 |
| Credit loss provision to net charge-offs | 69.6209% | 4,064 |
| Earnings coverage of net charge-offs (x) | -0.3498% | 5,473 |
| Efficiency ratio | 153.3237% | 142 |
| Assets per employee ($millions) | 3.0094% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 2,718 |
| Loan loss allowance to noncurrent loans | 22.5929% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 9.2849% | 447 |
| Noncurrent loans to loans | 8.3358% | 524 |
| Net loans and leases to total assets | 78.9009% | 661 |
| Net loans and leases to deposits | 90.6975% | 1,199 |
| Net loans and leases to core deposits | 92.8584% | 2,035 |
| Total domestic deposits to total assets | 86.9934% | 2,740 |
| Equity capital to assets | 8.0286% | 6,666 |
| Core capital (leverage) ratio | 7.4925% | 6,747 |
| Tier 1 risk-based capital ratio | 10.7272% | 6,695 |
| Total risk-based capital ratio | 11.9945% | 6,670 |
| Memoranda: | ||
| Average total assets | $82,978,000 | 5,459 |
| Average earning assets | $76,370,000 | 5,421 |
| Average equity | $5,723,330 | 6,312 |
| Average total loans | $66,978,330 | 4,682 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 4,438 |
| Cost of funding earning assets | 0.9610% | 4,491 |
| Net interest margin | 3.7579% | 3,808 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 5.1462% | 320 |
| Loan and lease loss provision to assets | 0.9936% | 775 |
| Net operating income to assets | -2.6575% | 7,364 |
| Return on assets (ROA) | -2.6575% | 7,365 |
| Pretax return on assets | -2.6575% | 7,345 |
| Return on Equity (ROE) | -41.6605% | 7,379 |
| Retained earnings to average equity (ytd only) | -41.6605% | 7,361 |
| Net charge-offs to loans | 1.5767% | 859 |
| Credit loss provision to net charge-offs | 77.9412% | 3,198 |
| Earnings coverage of net charge-offs (x) | -1.3051% | 4,926 |
| Efficiency ratio | 147.7793% | 175 |
| Assets per employee ($millions) | 3.5352% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5965% | 1,318 |
| Loan loss allowance to noncurrent loans | 29.8816% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 7.6907% | 637 |
| Noncurrent loans to loans | 8.6893% | 529 |
| Net loans and leases to total assets | 74.9601% | 1,186 |
| Net loans and leases to deposits | 93.4717% | 876 |
| Net loans and leases to core deposits | 96.4042% | 1,644 |
| Total domestic deposits to total assets | 80.1955% | 5,891 |
| Equity capital to assets | 8.9501% | 5,285 |
| Core capital (leverage) ratio | 9.3388% | 4,069 |
| Tier 1 risk-based capital ratio | 12.8245% | 4,959 |
| Total risk-based capital ratio | 14.0942% | 4,920 |
| Memoranda: | ||
| Average total assets | $85,344,500 | 5,431 |
| Average earning assets | $79,087,000 | 5,386 |
| Average equity | $5,444,000 | 6,402 |
| Average total loans | $69,007,000 | 4,652 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1227% | 3,991 |
| Cost of funding earning assets | 1.4001% | 3,265 |
| Net interest margin | 3.7226% | 4,258 |
| Noninterest income to average assets | -0.1113% | 7,398 |
| Noninterest expense to average assets | 3.4428% | 2,325 |
| Loan and lease loss provision to assets | 5.2469% | 66 |
| Net operating income to assets | -5.3809% | 7,562 |
| Return on assets (ROA) | -5.3787% | 7,566 |
| Pretax return on assets | -5.3787% | 7,555 |
| Return on Equity (ROE) | -89.8714% | 7,576 |
| Retained earnings to average equity (ytd only) | -89.8714% | 7,576 |
| Net charge-offs to loans | 5.9242% | 99 |
| Credit loss provision to net charge-offs | 107.0106% | 4,155 |
| Earnings coverage of net charge-offs (x) | -0.0273% | 6,154 |
| Efficiency ratio | 104.0510% | 672 |
| Assets per employee ($millions) | 4.1155% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6086% | 1,284 |
| Loan loss allowance to noncurrent loans | 37.0761% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 7.8338% | 648 |
| Noncurrent loans to loans | 7.0358% | 798 |
| Net loans and leases to total assets | 82.8247% | 396 |
| Net loans and leases to deposits | 98.5786% | 669 |
| Net loans and leases to core deposits | 101.1514% | 1,523 |
| Total domestic deposits to total assets | 84.0190% | 4,352 |
| Equity capital to assets | 3.6180% | 7,526 |
| Core capital (leverage) ratio | 3.3822% | 7,536 |
| Tier 1 risk-based capital ratio | 4.7326% | 7,535 |
| Total risk-based capital ratio | 6.0022% | 7,539 |
| Memoranda: | ||
| Average total assets | $92,512,600 | 5,206 |
| Average earning assets | $84,993,800 | 5,181 |
| Average equity | $5,536,800 | 6,497 |
| Average total loans | $76,567,200 | 4,435 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0934% | 4,360 |
| Cost of funding earning assets | 1.4334% | 3,373 |
| Net interest margin | 3.6600% | 4,595 |
| Noninterest income to average assets | 0.2637% | 6,010 |
| Noninterest expense to average assets | 3.3212% | 2,511 |
| Loan and lease loss provision to assets | 5.0660% | 85 |
| Net operating income to assets | -4.7644% | 7,629 |
| Return on assets (ROA) | -4.7616% | 7,636 |
| Pretax return on assets | -4.7616% | 7,621 |
| Return on Equity (ROE) | -73.2867% | 7,645 |
| Retained earnings to average equity (ytd only) | -73.2867% | 7,644 |
| Net charge-offs to loans | 3.4982% | 385 |
| Credit loss provision to net charge-offs | 176.0234% | 2,093 |
| Earnings coverage of net charge-offs (x) | 0.1048% | 5,916 |
| Efficiency ratio | 91.6763% | 1,156 |
| Assets per employee ($millions) | 4.0100% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1306% | 330 |
| Loan loss allowance to noncurrent loans | 45.5139% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 8.6359% | 548 |
| Noncurrent loans to loans | 9.0754% | 523 |
| Net loans and leases to total assets | 77.2311% | 1,173 |
| Net loans and leases to deposits | 92.0975% | 1,433 |
| Net loans and leases to core deposits | 96.0129% | 2,258 |
| Total domestic deposits to total assets | 83.8579% | 4,204 |
| Equity capital to assets | 4.9517% | 7,584 |
| Core capital (leverage) ratio | 4.8857% | 7,555 |
| Tier 1 risk-based capital ratio | 6.9398% | 7,553 |
| Total risk-based capital ratio | 8.2314% | 7,553 |
| Memoranda: | ||
| Average total assets | $95,063,250 | 5,187 |
| Average earning assets | $87,247,250 | 5,168 |
| Average equity | $6,176,500 | 6,398 |
| Average total loans | $78,209,250 | 4,462 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 3,579 |
| Cost of funding earning assets | 1.4502% | 3,555 |
| Net interest margin | 3.8261% | 3,782 |
| Noninterest income to average assets | 0.4125% | 4,808 |
| Noninterest expense to average assets | 3.1706% | 3,014 |
| Loan and lease loss provision to assets | 6.9495% | 47 |
| Net operating income to assets | -6.2120% | 7,747 |
| Return on assets (ROA) | -6.2079% | 7,750 |
| Pretax return on assets | -6.2079% | 7,740 |
| Return on Equity (ROE) | -88.7830% | 7,719 |
| Retained earnings to average equity (ytd only) | -88.7830% | 7,716 |
| Net charge-offs to loans | 0.1484% | 4,746 |
| Credit loss provision to net charge-offs | 5,654.2373% | 70 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,551 |
| Efficiency ratio | 81.1301% | 2,282 |
| Assets per employee ($millions) | 4.2957% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1728% | 96 |
| Loan loss allowance to noncurrent loans | 98.5582% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 8.4037% | 561 |
| Noncurrent loans to loans | 6.2631% | 985 |
| Net loans and leases to total assets | 76.9613% | 1,296 |
| Net loans and leases to deposits | 92.9163% | 1,399 |
| Net loans and leases to core deposits | 97.8370% | 2,249 |
| Total domestic deposits to total assets | 82.8286% | 4,641 |
| Equity capital to assets | 5.2716% | 7,614 |
| Core capital (leverage) ratio | 5.1304% | 7,590 |
| Tier 1 risk-based capital ratio | 7.3064% | 7,574 |
| Total risk-based capital ratio | 8.6277% | 7,576 |
| Memoranda: | ||
| Average total assets | $96,007,330 | 5,192 |
| Average earning assets | $87,713,330 | 5,190 |
| Average equity | $6,713,000 | 6,232 |
| Average total loans | $79,512,330 | 4,457 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 3,577 |
| Cost of funding earning assets | 1.4850% | 3,652 |
| Net interest margin | 3.8096% | 3,760 |
| Noninterest income to average assets | 0.4382% | 4,572 |
| Noninterest expense to average assets | 3.0550% | 3,458 |
| Loan and lease loss provision to assets | 4.0431% | 212 |
| Net operating income to assets | -3.1708% | 7,654 |
| Return on assets (ROA) | -3.1708% | 7,650 |
| Pretax return on assets | -3.1708% | 7,613 |
| Return on Equity (ROE) | -40.4829% | 7,654 |
| Retained earnings to average equity (ytd only) | -40.4829% | 7,638 |
| Net charge-offs to loans | 0.2584% | 3,386 |
| Credit loss provision to net charge-offs | 1,880.7692% | 272 |
| Earnings coverage of net charge-offs (x) | 4.0577% | 2,714 |
| Efficiency ratio | 77.7895% | 2,932 |
| Assets per employee ($millions) | 4.3804% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0595% | 776 |
| Loan loss allowance to noncurrent loans | 53.8615% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 6.0570% | 986 |
| Noncurrent loans to loans | 5.6803% | 1,200 |
| Net loans and leases to total assets | 80.0276% | 845 |
| Net loans and leases to deposits | 98.9225% | 826 |
| Net loans and leases to core deposits | 103.3184% | 1,794 |
| Total domestic deposits to total assets | 80.8993% | 5,494 |
| Equity capital to assets | 7.4662% | 7,099 |
| Core capital (leverage) ratio | 7.4766% | 6,877 |
| Tier 1 risk-based capital ratio | 10.3052% | 6,806 |
| Total risk-based capital ratio | 11.5828% | 6,784 |
| Memoranda: | ||
| Average total assets | $96,758,000 | 5,238 |
| Average earning assets | $88,618,500 | 5,210 |
| Average equity | $7,578,500 | 5,984 |
| Average total loans | $80,509,500 | 4,487 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7373% | 2,921 |
| Cost of funding earning assets | 2.1775% | 2,125 |
| Net interest margin | 3.5598% | 4,696 |
| Noninterest income to average assets | 0.3319% | 5,715 |
| Noninterest expense to average assets | 2.9852% | 4,208 |
| Loan and lease loss provision to assets | 2.6200% | 746 |
| Net operating income to assets | -1.9995% | 7,092 |
| Return on assets (ROA) | -1.9642% | 7,079 |
| Pretax return on assets | -1.9642% | 6,932 |
| Return on Equity (ROE) | -24.0775% | 7,267 |
| Retained earnings to average equity (ytd only) | -24.0775% | 7,240 |
| Net charge-offs to loans | 2.5906% | 879 |
| Credit loss provision to net charge-offs | 118.9103% | 4,518 |
| Earnings coverage of net charge-offs (x) | 0.2816% | 5,832 |
| Efficiency ratio | 82.7924% | 2,503 |
| Assets per employee ($millions) | 4.4158% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8511% | 2,405 |
| Loan loss allowance to noncurrent loans | 36.0162% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 5.6666% | 1,025 |
| Noncurrent loans to loans | 5.1397% | 1,300 |
| Net loans and leases to total assets | 82.3033% | 641 |
| Net loans and leases to deposits | 103.8309% | 658 |
| Net loans and leases to core deposits | 135.9935% | 950 |
| Total domestic deposits to total assets | 79.2667% | 5,912 |
| Equity capital to assets | 8.1957% | 6,351 |
| Core capital (leverage) ratio | 8.2785% | 5,656 |
| Tier 1 risk-based capital ratio | 10.7373% | 6,168 |
| Total risk-based capital ratio | 11.9968% | 6,135 |
| Memoranda: | ||
| Average total assets | $99,123,200 | 5,107 |
| Average earning assets | $91,157,800 | 5,088 |
| Average equity | $8,086,400 | 5,895 |
| Average total loans | $84,303,800 | 4,372 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7994% | 2,897 |
| Cost of funding earning assets | 2.2934% | 2,006 |
| Net interest margin | 3.5060% | 4,839 |
| Noninterest income to average assets | 0.2851% | 6,192 |
| Noninterest expense to average assets | 2.9338% | 4,299 |
| Loan and lease loss provision to assets | 2.6889% | 592 |
| Net operating income to assets | -2.0986% | 7,359 |
| Return on assets (ROA) | -2.0986% | 7,354 |
| Pretax return on assets | -2.0986% | 7,221 |
| Return on Equity (ROE) | -25.7544% | 7,521 |
| Retained earnings to average equity (ytd only) | -25.7544% | 7,502 |
| Net charge-offs to loans | 1.6562% | 1,226 |
| Credit loss provision to net charge-offs | 190.2462% | 2,385 |
| Earnings coverage of net charge-offs (x) | 0.4176% | 5,614 |
| Efficiency ratio | 83.2510% | 2,401 |
| Assets per employee ($millions) | 4.5089% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4633% | 1,098 |
| Loan loss allowance to noncurrent loans | 64.1604% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 4.7947% | 1,239 |
| Noncurrent loans to loans | 3.8393% | 1,938 |
| Net loans and leases to total assets | 85.6432% | 376 |
| Net loans and leases to deposits | 107.5975% | 576 |
| Net loans and leases to core deposits | 139.7890% | 926 |
| Total domestic deposits to total assets | 79.5959% | 5,593 |
| Equity capital to assets | 7.5026% | 7,293 |
| Core capital (leverage) ratio | 7.3001% | 7,189 |
| Tier 1 risk-based capital ratio | 9.5037% | 7,369 |
| Total risk-based capital ratio | 10.7726% | 7,324 |
| Memoranda: | ||
| Average total assets | $99,617,000 | 5,129 |
| Average earning assets | $92,030,000 | 5,097 |
| Average equity | $8,117,500 | 5,940 |
| Average total loans | $85,013,750 | 4,395 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7734% | 3,172 |
| Cost of funding earning assets | 2.3543% | 2,145 |
| Net interest margin | 3.4191% | 5,098 |
| Noninterest income to average assets | 0.4898% | 4,536 |
| Noninterest expense to average assets | 2.8995% | 4,500 |
| Loan and lease loss provision to assets | 2.0640% | 775 |
| Net operating income to assets | -1.2897% | 7,156 |
| Return on assets (ROA) | -1.2897% | 7,163 |
| Pretax return on assets | -1.2897% | 6,982 |
| Return on Equity (ROE) | -15.4459% | 7,349 |
| Retained earnings to average equity (ytd only) | -15.4459% | 7,264 |
| Net charge-offs to loans | 1.5367% | 1,232 |
| Credit loss provision to net charge-offs | 158.8146% | 2,896 |
| Earnings coverage of net charge-offs (x) | 0.5957% | 5,116 |
| Efficiency ratio | 78.9247% | 3,206 |
| Assets per employee ($millions) | 4.7983% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 2,167 |
| Loan loss allowance to noncurrent loans | 67.7021% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 4.2693% | 1,350 |
| Noncurrent loans to loans | 2.5933% | 2,794 |
| Net loans and leases to total assets | 82.2994% | 899 |
| Net loans and leases to deposits | 103.5887% | 936 |
| Net loans and leases to core deposits | 136.2843% | 1,196 |
| Total domestic deposits to total assets | 79.4482% | 5,673 |
| Equity capital to assets | 7.9462% | 6,812 |
| Core capital (leverage) ratio | 7.8256% | 6,582 |
| Tier 1 risk-based capital ratio | 10.4566% | 6,418 |
| Total risk-based capital ratio | 11.7151% | 6,355 |
| Memoranda: | ||
| Average total assets | $101,260,330 | 5,128 |
| Average earning assets | $94,295,000 | 5,061 |
| Average equity | $8,455,330 | 5,864 |
| Average total loans | $85,638,000 | 4,411 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9160% | 2,728 |
| Cost of funding earning assets | 2.3918% | 2,328 |
| Net interest margin | 3.5243% | 4,633 |
| Noninterest income to average assets | 0.4808% | 4,502 |
| Noninterest expense to average assets | 2.8293% | 4,430 |
| Loan and lease loss provision to assets | 0.8551% | 1,527 |
| Net operating income to assets | 0.0828% | 6,029 |
| Return on assets (ROA) | 0.0828% | 6,195 |
| Pretax return on assets | 0.0828% | 6,204 |
| Return on Equity (ROE) | 0.9678% | 6,132 |
| Retained earnings to average equity (ytd only) | 0.9678% | 5,258 |
| Net charge-offs to loans | 0.5797% | 2,015 |
| Credit loss provision to net charge-offs | 173.6000% | 2,478 |
| Earnings coverage of net charge-offs (x) | 1.9040% | 3,765 |
| Efficiency ratio | 75.1046% | 3,642 |
| Assets per employee ($millions) | 4.9697% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 3,533 |
| Loan loss allowance to noncurrent loans | 44.2580% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 3.6037% | 1,476 |
| Noncurrent loans to loans | 3.1480% | 2,054 |
| Net loans and leases to total assets | 80.4961% | 1,298 |
| Net loans and leases to deposits | 106.1296% | 853 |
| Net loans and leases to core deposits | 140.5985% | 1,072 |
| Total domestic deposits to total assets | 75.8470% | 6,539 |
| Equity capital to assets | 8.3218% | 6,358 |
| Core capital (leverage) ratio | 8.5086% | 5,517 |
| Tier 1 risk-based capital ratio | 11.1317% | 5,784 |
| Total risk-based capital ratio | 12.3854% | 5,696 |
| Memoranda: | ||
| Average total assets | $101,508,000 | 5,133 |
| Average earning assets | $94,658,000 | 5,068 |
| Average equity | $8,679,500 | 5,818 |
| Average total loans | $86,251,500 | 4,416 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7931% | 1,700 |
| Cost of funding earning assets | 3.0473% | 1,698 |
| Net interest margin | 3.7458% | 4,245 |
| Noninterest income to average assets | 0.4608% | 4,961 |
| Noninterest expense to average assets | 2.7687% | 4,958 |
| Loan and lease loss provision to assets | 0.3175% | 3,839 |
| Net operating income to assets | 0.8958% | 3,014 |
| Return on assets (ROA) | 0.9906% | 2,474 |
| Pretax return on assets | 0.9906% | 3,410 |
| Return on Equity (ROE) | 11.1703% | 1,854 |
| Retained earnings to average equity (ytd only) | 1.6157% | 4,241 |
| Net charge-offs to loans | 0.3208% | 3,257 |
| Credit loss provision to net charge-offs | 112.8205% | 4,784 |
| Earnings coverage of net charge-offs (x) | 4.3114% | 4,031 |
| Efficiency ratio | 69.5315% | 4,440 |
| Assets per employee ($millions) | 4.6977% | 2,332 |
| Cash dividends to net income (ytd only)* | 85.5359% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,098 |
| Loan loss allowance to noncurrent loans | 40.6007% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 3.7455% | 1,153 |
| Noncurrent loans to loans | 3.0891% | 1,727 |
| Net loans and leases to total assets | 87.3900% | 426 |
| Net loans and leases to deposits | 115.1013% | 564 |
| Net loans and leases to core deposits | 151.8994% | 787 |
| Total domestic deposits to total assets | 75.9245% | 6,258 |
| Equity capital to assets | 8.7925% | 5,666 |
| Core capital (leverage) ratio | 8.8328% | 4,993 |
| Tier 1 risk-based capital ratio | 10.9853% | 5,734 |
| Total risk-based capital ratio | 12.2368% | 5,640 |
| Memoranda: | ||
| Average total assets | $97,012,400 | 5,140 |
| Average earning assets | $91,195,600 | 5,046 |
| Average equity | $8,603,200 | 5,870 |
| Average total loans | $85,098,600 | 4,361 |