Home > California Business Bank > Performance and Condition Ratios
California Business Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 1,278 |
| Cost of funding earning assets | 1.2217% | 2,749 |
| Net interest margin | 4.1982% | 937 |
| Noninterest income to average assets | 1.5200% | 380 |
| Noninterest expense to average assets | 4.5476% | 281 |
| Loan and lease loss provision to assets | 0.3700% | 266 |
| Net operating income to assets | 0.4798% | 3,711 |
| Return on assets (ROA) | 0.4798% | 3,710 |
| Pretax return on assets | 0.4959% | 3,818 |
| Return on Equity (ROE) | 3.1900% | 3,993 |
| Retained earnings to average equity (ytd only) | 3.1887% | 3,218 |
| Net charge-offs to loans | 0.9914% | 105 |
| Credit loss provision to net charge-offs | 53.6213% | 2,181 |
| Earnings coverage of net charge-offs (x) | 1.1614% | 2,775 |
| Efficiency ratio | 84.0711% | 658 |
| Assets per employee ($millions) | 8.3824% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9155% | 443 |
| Loan loss allowance to noncurrent loans | 150.7508% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 498 |
| Noncurrent loans to loans | 1.2707% | 559 |
| Net loans and leases to total assets | 76.6600% | 1,023 |
| Net loans and leases to deposits | 92.0304% | 1,091 |
| Net loans and leases to core deposits | 93.4240% | 1,811 |
| Total domestic deposits to total assets | 83.3000% | 2,806 |
| Equity capital to assets | 15.8954% | 468 |
| Core capital (leverage) ratio | 15.0702% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2713% | 586 |
| Memoranda: | ||
| Average total assets | $106,077,200 | 3,772 |
| Average earning assets | $98,305,200 | 3,758 |
| Average equity | $15,962,800 | 3,187 |
| Average total loans | $79,385,200 | 3,419 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 1,286 |
| Cost of funding earning assets | 1.1403% | 2,622 |
| Net interest margin | 4.1633% | 974 |
| Noninterest income to average assets | 1.5100% | 384 |
| Noninterest expense to average assets | 4.1954% | 317 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1751% | 1,868 |
| Return on assets (ROA) | 1.1751% | 1,850 |
| Pretax return on assets | 1.1813% | 2,342 |
| Return on Equity (ROE) | 7.9100% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.9131% | 2,004 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.0291% | 1,009 |
| Assets per employee ($millions) | 10.7203% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 220 |
| Loan loss allowance to noncurrent loans | 199.6798% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 618 |
| Noncurrent loans to loans | 1.2137% | 641 |
| Net loans and leases to total assets | 70.2700% | 1,794 |
| Net loans and leases to deposits | 83.7387% | 1,762 |
| Net loans and leases to core deposits | 85.7411% | 2,202 |
| Total domestic deposits to total assets | 83.9200% | 2,798 |
| Equity capital to assets | 15.2384% | 510 |
| Core capital (leverage) ratio | 15.8630% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $107,449,250 | 3,779 |
| Average earning assets | $99,853,250 | 3,761 |
| Average equity | $15,956,250 | 3,174 |
| Average total loans | $79,576,250 | 3,421 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 1,038 |
| Cost of funding earning assets | 1.0558% | 2,431 |
| Net interest margin | 4.2769% | 839 |
| Noninterest income to average assets | 1.5200% | 321 |
| Noninterest expense to average assets | 4.0247% | 337 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5046% | 1,094 |
| Return on assets (ROA) | 1.5046% | 1,095 |
| Pretax return on assets | 1.5065% | 1,590 |
| Return on Equity (ROE) | 10.2200% | 2,637 |
| Retained earnings to average equity (ytd only) | 10.2177% | 1,348 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.7640% | 1,482 |
| Assets per employee ($millions) | 9.0542% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2823% | 273 |
| Loan loss allowance to noncurrent loans | 1,247.3333% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 2,491 |
| Noncurrent loans to loans | 0.1830% | 2,557 |
| Net loans and leases to total assets | 80.4300% | 591 |
| Net loans and leases to deposits | 96.8202% | 680 |
| Net loans and leases to core deposits | 99.8517% | 1,250 |
| Total domestic deposits to total assets | 83.0800% | 3,031 |
| Equity capital to assets | 16.2466% | 422 |
| Core capital (leverage) ratio | 15.0990% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3010% | 606 |
| Memoranda: | ||
| Average total assets | $107,537,000 | 3,790 |
| Average earning assets | $100,773,667 | 3,767 |
| Average equity | $15,835,333 | 3,202 |
| Average total loans | $80,367,000 | 3,411 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 1,273 |
| Cost of funding earning assets | 0.8360% | 2,577 |
| Net interest margin | 4.1417% | 1,042 |
| Noninterest income to average assets | 1.5000% | 332 |
| Noninterest expense to average assets | 3.6446% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7434% | 759 |
| Return on assets (ROA) | 1.7434% | 749 |
| Pretax return on assets | 1.7434% | 1,186 |
| Return on Equity (ROE) | 12.4100% | 2,111 |
| Retained earnings to average equity (ytd only) | 12.4118% | 1,191 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.6431% | 2,017 |
| Assets per employee ($millions) | 10.8997% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3094% | 278 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 72.6100% | 1,361 |
| Net loans and leases to deposits | 90.5238% | 1,011 |
| Net loans and leases to core deposits | 91.8315% | 1,509 |
| Total domestic deposits to total assets | 80.2100% | 3,733 |
| Equity capital to assets | 14.6096% | 516 |
| Core capital (leverage) ratio | 14.5534% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9912% | 659 |
| Memoranda: | ||
| Average total assets | $111,507,500 | 3,807 |
| Average earning assets | $104,789,000 | 3,773 |
| Average equity | $15,662,500 | 3,247 |
| Average total loans | $79,560,500 | 3,457 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 1,795 |
| Cost of funding earning assets | 0.5901% | 941 |
| Net interest margin | 3.3796% | 2,318 |
| Noninterest income to average assets | 1.4200% | 369 |
| Noninterest expense to average assets | 3.2861% | 638 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2918% | 1,462 |
| Return on assets (ROA) | 1.2918% | 1,420 |
| Pretax return on assets | 1.2926% | 2,112 |
| Return on Equity (ROE) | 11.1300% | 2,431 |
| Retained earnings to average equity (ytd only) | 11.1303% | 857 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.5769% | 1,487 |
| Assets per employee ($millions) | 8.7790% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3955% | 234 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.8000% | 1,946 |
| Net loans and leases to deposits | 77.6583% | 1,983 |
| Net loans and leases to core deposits | 79.2684% | 2,179 |
| Total domestic deposits to total assets | 86.0100% | 2,720 |
| Equity capital to assets | 13.4946% | 629 |
| Core capital (leverage) ratio | 12.5346% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9866% | 631 |
| Memoranda: | ||
| Average total assets | $121,693,800 | 3,711 |
| Average earning assets | $114,213,200 | 3,684 |
| Average equity | $14,123,600 | 3,453 |
| Average total loans | $83,717,600 | 3,360 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6675% | 2,144 |
| Cost of funding earning assets | 0.5568% | 560 |
| Net interest margin | 3.1107% | 2,898 |
| Noninterest income to average assets | 1.4300% | 373 |
| Noninterest expense to average assets | 3.2560% | 634 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0745% | 2,187 |
| Return on assets (ROA) | 1.0745% | 2,150 |
| Pretax return on assets | 1.0756% | 2,794 |
| Return on Equity (ROE) | 9.6200% | 2,841 |
| Retained earnings to average equity (ytd only) | 9.6200% | 1,454 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.8883% | 1,186 |
| Assets per employee ($millions) | 10.1368% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3060% | 290 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 65.1600% | 1,969 |
| Net loans and leases to deposits | 74.5951% | 1,990 |
| Net loans and leases to core deposits | 76.2051% | 2,181 |
| Total domestic deposits to total assets | 87.3500% | 2,644 |
| Equity capital to assets | 12.1890% | 843 |
| Core capital (leverage) ratio | 12.1324% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6271% | 771 |
| Memoranda: | ||
| Average total assets | $123,585,500 | 3,724 |
| Average earning assets | $115,897,250 | 3,700 |
| Average equity | $13,804,250 | 3,537 |
| Average total loans | $85,120,750 | 3,354 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3939% | 2,457 |
| Cost of funding earning assets | 0.5639% | 359 |
| Net interest margin | 2.8300% | 3,351 |
| Noninterest income to average assets | 1.4054% | 368 |
| Noninterest expense to average assets | 3.3340% | 523 |
| Loan and lease loss provision to assets | 0.0241% | 2,161 |
| Net operating income to assets | 0.7035% | 3,301 |
| Return on assets (ROA) | 0.7035% | 3,252 |
| Pretax return on assets | 0.7051% | 3,559 |
| Return on Equity (ROE) | 6.4917% | 3,450 |
| Retained earnings to average equity (ytd only) | 6.4917% | 2,175 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0523% | 794 |
| Assets per employee ($millions) | 8.1176% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1275% | 425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 75.7372% | 754 |
| Net loans and leases to deposits | 87.2049% | 892 |
| Net loans and leases to core deposits | 89.2327% | 1,164 |
| Total domestic deposits to total assets | 86.8496% | 2,993 |
| Equity capital to assets | 12.6198% | 740 |
| Core capital (leverage) ratio | 11.2082% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4825% | 1,082 |
| Memoranda: | ||
| Average total assets | $124,233,333 | 3,763 |
| Average earning assets | $116,680,333 | 3,742 |
| Average equity | $13,463,333 | 3,639 |
| Average total loans | $86,449,333 | 3,372 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0993% | 2,986 |
| Cost of funding earning assets | 0.5596% | 348 |
| Net interest margin | 2.5397% | 3,810 |
| Noninterest income to average assets | 1.2414% | 459 |
| Noninterest expense to average assets | 3.1499% | 647 |
| Loan and lease loss provision to assets | 0.0463% | 1,535 |
| Net operating income to assets | 0.4416% | 3,871 |
| Return on assets (ROA) | 0.4416% | 3,835 |
| Pretax return on assets | 0.4416% | 3,966 |
| Return on Equity (ROE) | 4.3919% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.3919% | 2,805 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5874% | 701 |
| Assets per employee ($millions) | 10.5725% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1373% | 495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.3310% | 1,818 |
| Net loans and leases to deposits | 73.3581% | 1,668 |
| Net loans and leases to core deposits | 74.7920% | 1,868 |
| Total domestic deposits to total assets | 84.9682% | 3,539 |
| Equity capital to assets | 10.2552% | 1,718 |
| Core capital (leverage) ratio | 11.2094% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1993% | 1,214 |
| Memoranda: | ||
| Average total assets | $129,526,500 | 3,718 |
| Average earning assets | $122,219,500 | 3,690 |
| Average equity | $13,024,000 | 3,751 |
| Average total loans | $85,702,000 | 3,393 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4596% | 2,775 |
| Cost of funding earning assets | 0.6217% | 492 |
| Net interest margin | 2.8379% | 3,589 |
| Noninterest income to average assets | 1.2754% | 655 |
| Noninterest expense to average assets | 3.5086% | 465 |
| Loan and lease loss provision to assets | 0.0729% | 1,641 |
| Net operating income to assets | 0.3225% | 4,395 |
| Return on assets (ROA) | 0.3225% | 4,416 |
| Pretax return on assets | 0.3235% | 4,471 |
| Return on Equity (ROE) | 2.8301% | 4,395 |
| Retained earnings to average equity (ytd only) | 2.8301% | 3,716 |
| Net charge-offs to loans | 0.0028% | 2,519 |
| Credit loss provision to net charge-offs | 3,750.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 535 |
| Efficiency ratio | 89.8507% | 335 |
| Assets per employee ($millions) | 13.5123% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2131% | 442 |
| Loan loss allowance to noncurrent loans | 997.8495% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 2,872 |
| Noncurrent loans to loans | 0.2218% | 2,858 |
| Net loans and leases to total assets | 67.4347% | 1,325 |
| Net loans and leases to deposits | 83.6543% | 927 |
| Net loans and leases to core deposits | 85.6123% | 1,228 |
| Total domestic deposits to total assets | 80.6111% | 4,154 |
| Equity capital to assets | 9.8289% | 2,823 |
| Core capital (leverage) ratio | 10.5373% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4331% | 1,701 |
| Memoranda: | ||
| Average total assets | $102,947,000 | 3,963 |
| Average earning assets | $95,387,000 | 3,961 |
| Average equity | $11,731,200 | 3,964 |
| Average total loans | $70,870,000 | 3,630 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5312% | 2,743 |
| Cost of funding earning assets | 0.6514% | 494 |
| Net interest margin | 2.8798% | 3,596 |
| Noninterest income to average assets | 1.3105% | 689 |
| Noninterest expense to average assets | 3.7117% | 367 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2483% | 4,578 |
| Return on assets (ROA) | 0.2483% | 4,602 |
| Pretax return on assets | 0.2496% | 4,629 |
| Return on Equity (ROE) | 2.0897% | 4,582 |
| Retained earnings to average equity (ytd only) | 2.0897% | 4,169 |
| Net charge-offs to loans | -0.0966% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6986% | 235 |
| Assets per employee ($millions) | 8.6948% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4199% | 322 |
| Loan loss allowance to noncurrent loans | 3,003.2787% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,730 |
| Noncurrent loans to loans | 0.0806% | 3,687 |
| Net loans and leases to total assets | 70.8042% | 1,013 |
| Net loans and leases to deposits | 91.3910% | 520 |
| Net loans and leases to core deposits | 95.2145% | 782 |
| Total domestic deposits to total assets | 77.4740% | 4,465 |
| Equity capital to assets | 11.3124% | 1,801 |
| Core capital (leverage) ratio | 11.8020% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7542% | 1,408 |
| Memoranda: | ||
| Average total assets | $98,281,000 | 4,053 |
| Average earning assets | $90,467,250 | 4,060 |
| Average equity | $11,675,750 | 4,019 |
| Average total loans | $67,621,500 | 3,749 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5278% | 2,818 |
| Cost of funding earning assets | 0.6713% | 520 |
| Net interest margin | 2.8565% | 3,665 |
| Noninterest income to average assets | 1.3027% | 683 |
| Noninterest expense to average assets | 3.8395% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0956% | 4,716 |
| Return on assets (ROA) | 0.0956% | 4,731 |
| Pretax return on assets | 0.0976% | 4,733 |
| Return on Equity (ROE) | 0.7908% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.7908% | 4,380 |
| Net charge-offs to loans | -0.1509% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5198% | 192 |
| Assets per employee ($millions) | 8.0957% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5965% | 248 |
| Loan loss allowance to noncurrent loans | 3,003.2787% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,807 |
| Noncurrent loans to loans | 0.0865% | 3,751 |
| Net loans and leases to total assets | 70.7415% | 1,122 |
| Net loans and leases to deposits | 93.1522% | 491 |
| Net loans and leases to core deposits | 97.4366% | 743 |
| Total domestic deposits to total assets | 75.9419% | 4,561 |
| Equity capital to assets | 12.0085% | 1,357 |
| Core capital (leverage) ratio | 11.6824% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7120% | 1,189 |
| Memoranda: | ||
| Average total assets | $96,262,333 | 4,100 |
| Average earning assets | $88,781,333 | 4,105 |
| Average equity | $11,633,333 | 4,033 |
| Average total loans | $64,926,333 | 3,817 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 2,913 |
| Cost of funding earning assets | 0.7119% | 524 |
| Net interest margin | 2.7920% | 3,784 |
| Noninterest income to average assets | 1.3442% | 722 |
| Noninterest expense to average assets | 3.8906% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0250% | 4,779 |
| Return on assets (ROA) | -0.0250% | 4,787 |
| Pretax return on assets | -0.0250% | 4,791 |
| Return on Equity (ROE) | -0.2066% | 4,789 |
| Retained earnings to average equity (ytd only) | -0.2066% | 4,383 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6479% | 184 |
| Assets per employee ($millions) | 8.2932% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7637% | 195 |
| Loan loss allowance to noncurrent loans | 5,943.3333% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 4,144 |
| Noncurrent loans to loans | 0.0465% | 4,053 |
| Net loans and leases to total assets | 63.0358% | 2,165 |
| Net loans and leases to deposits | 87.8095% | 842 |
| Net loans and leases to core deposits | 91.9838% | 1,118 |
| Total domestic deposits to total assets | 71.7870% | 4,721 |
| Equity capital to assets | 11.6703% | 1,460 |
| Core capital (leverage) ratio | 12.7450% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1483% | 906 |
| Memoranda: | ||
| Average total assets | $95,819,500 | 4,124 |
| Average earning assets | $86,534,500 | 4,139 |
| Average equity | $11,617,000 | 4,046 |
| Average total loans | $62,111,500 | 3,877 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 2,839 |
| Cost of funding earning assets | 0.8522% | 1,010 |
| Net interest margin | 3.1128% | 3,600 |
| Noninterest income to average assets | 0.8771% | 1,323 |
| Noninterest expense to average assets | 4.5395% | 247 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.7832% | 4,907 |
| Return on assets (ROA) | -0.7832% | 4,910 |
| Pretax return on assets | -0.7821% | 4,907 |
| Return on Equity (ROE) | -6.0848% | 4,906 |
| Retained earnings to average equity (ytd only) | -6.0848% | 4,855 |
| Net charge-offs to loans | 0.0399% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -27.8846% | 3,423 |
| Efficiency ratio | 120.8154% | 79 |
| Assets per employee ($millions) | 7.0915% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9862% | 149 |
| Loan loss allowance to noncurrent loans | 5,943.3333% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,198 |
| Noncurrent loans to loans | 0.0502% | 4,095 |
| Net loans and leases to total assets | 62.8329% | 2,505 |
| Net loans and leases to deposits | 90.4640% | 894 |
| Net loans and leases to core deposits | 96.4838% | 1,093 |
| Total domestic deposits to total assets | 69.4562% | 4,786 |
| Equity capital to assets | 12.6783% | 1,242 |
| Core capital (leverage) ratio | 12.3795% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4668% | 719 |
| Memoranda: | ||
| Average total assets | $92,696,600 | 4,088 |
| Average earning assets | $85,774,000 | 4,078 |
| Average equity | $11,931,400 | 3,986 |
| Average total loans | $65,122,800 | 3,827 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 3,057 |
| Cost of funding earning assets | 0.8724% | 1,165 |
| Net interest margin | 3.0987% | 3,743 |
| Noninterest income to average assets | 0.7972% | 1,506 |
| Noninterest expense to average assets | 4.7731% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -1.0730% | 4,950 |
| Return on assets (ROA) | -1.0730% | 4,951 |
| Pretax return on assets | -1.0730% | 4,946 |
| Return on Equity (ROE) | -8.3052% | 4,949 |
| Retained earnings to average equity (ytd only) | -8.3052% | 4,904 |
| Net charge-offs to loans | 0.0160% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -93.3750% | 3,232 |
| Efficiency ratio | 128.9984% | 59 |
| Assets per employee ($millions) | 8.1178% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8194% | 164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 63.7256% | 2,800 |
| Net loans and leases to deposits | 91.1075% | 1,145 |
| Net loans and leases to core deposits | 98.2511% | 1,291 |
| Total domestic deposits to total assets | 69.9455% | 4,760 |
| Equity capital to assets | 11.9768% | 1,689 |
| Core capital (leverage) ratio | 12.2519% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2263% | 878 |
| Memoranda: | ||
| Average total assets | $92,823,500 | 4,083 |
| Average earning assets | $86,959,250 | 4,071 |
| Average equity | $11,992,250 | 3,980 |
| Average total loans | $66,476,500 | 3,818 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 3,055 |
| Cost of funding earning assets | 0.9323% | 1,230 |
| Net interest margin | 3.1689% | 3,748 |
| Noninterest income to average assets | 0.8018% | 1,432 |
| Noninterest expense to average assets | 4.9686% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.2180% | 4,979 |
| Return on assets (ROA) | -1.2180% | 4,980 |
| Pretax return on assets | -1.2180% | 4,968 |
| Return on Equity (ROE) | -9.1896% | 4,981 |
| Retained earnings to average equity (ytd only) | -9.1896% | 4,904 |
| Net charge-offs to loans | 0.0238% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -69.5000% | 3,021 |
| Efficiency ratio | 132.4766% | 61 |
| Assets per employee ($millions) | 7.5459% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5919% | 198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 68.9980% | 2,185 |
| Net loans and leases to deposits | 98.6878% | 618 |
| Net loans and leases to core deposits | 107.0203% | 851 |
| Total domestic deposits to total assets | 69.9155% | 4,787 |
| Equity capital to assets | 12.0880% | 1,613 |
| Core capital (leverage) ratio | 12.6572% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0850% | 1,041 |
| Memoranda: | ||
| Average total assets | $91,293,667 | 4,110 |
| Average earning assets | $84,949,333 | 4,100 |
| Average equity | $12,100,667 | 3,974 |
| Average total loans | $67,342,667 | 3,804 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 2,676 |
| Cost of funding earning assets | 1.0104% | 1,377 |
| Net interest margin | 3.3730% | 3,387 |
| Noninterest income to average assets | 0.8055% | 1,295 |
| Noninterest expense to average assets | 5.6979% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.7476% | 5,037 |
| Return on assets (ROA) | -1.7476% | 5,023 |
| Pretax return on assets | -1.7476% | 5,010 |
| Return on Equity (ROE) | -12.5675% | 5,021 |
| Retained earnings to average equity (ytd only) | -12.5675% | 4,840 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.2396% | 65 |
| Assets per employee ($millions) | 7.7647% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7597% | 184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.4092% | 2,487 |
| Net loans and leases to deposits | 95.7101% | 940 |
| Net loans and leases to core deposits | 105.4215% | 1,093 |
| Total domestic deposits to total assets | 71.4755% | 4,796 |
| Equity capital to assets | 12.9111% | 1,478 |
| Core capital (leverage) ratio | 14.1080% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9456% | 648 |
| Memoranda: | ||
| Average total assets | $87,892,000 | 4,157 |
| Average earning assets | $81,945,000 | 4,141 |
| Average equity | $12,222,000 | 3,970 |
| Average total loans | $66,271,000 | 3,837 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 2,766 |
| Cost of funding earning assets | 0.9667% | 1,874 |
| Net interest margin | 3.5872% | 3,175 |
| Noninterest income to average assets | 0.6464% | 2,020 |
| Noninterest expense to average assets | 4.9972% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -1.0139% | 5,101 |
| Return on assets (ROA) | -1.0139% | 5,104 |
| Pretax return on assets | -1.0128% | 5,094 |
| Return on Equity (ROE) | -6.7747% | 5,097 |
| Retained earnings to average equity (ytd only) | -6.7747% | 5,025 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.4173% | 65 |
| Assets per employee ($millions) | 5.5072% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7003% | 171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 78.9064% | 950 |
| Net loans and leases to deposits | 117.2462% | 98 |
| Net loans and leases to core deposits | 128.5078% | 296 |
| Total domestic deposits to total assets | 67.2998% | 4,998 |
| Equity capital to assets | 15.0276% | 784 |
| Core capital (leverage) ratio | 14.9390% | 702 |
| Tier 1 risk-based capital ratio | 20.8187% | 1,199 |
| Total risk-based capital ratio | 22.0926% | 1,166 |
| Memoranda: | ||
| Average total assets | $85,707,200 | 4,206 |
| Average earning assets | $79,756,800 | 4,191 |
| Average equity | $12,827,200 | 3,902 |
| Average total loans | $66,303,600 | 3,854 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 3,188 |
| Cost of funding earning assets | 0.9504% | 1,986 |
| Net interest margin | 3.5062% | 3,549 |
| Noninterest income to average assets | 0.6275% | 2,082 |
| Noninterest expense to average assets | 4.9905% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -1.0884% | 5,182 |
| Return on assets (ROA) | -1.0884% | 5,186 |
| Pretax return on assets | -1.0869% | 5,180 |
| Return on Equity (ROE) | -7.2798% | 5,181 |
| Retained earnings to average equity (ytd only) | -7.2798% | 5,111 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.8436% | 66 |
| Assets per employee ($millions) | 6.8878% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8236% | 154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 75.3258% | 1,598 |
| Net loans and leases to deposits | 112.6126% | 165 |
| Net loans and leases to core deposits | 122.5667% | 456 |
| Total domestic deposits to total assets | 66.8893% | 5,083 |
| Equity capital to assets | 15.2287% | 786 |
| Core capital (leverage) ratio | 15.1543% | 706 |
| Tier 1 risk-based capital ratio | 22.1019% | 1,056 |
| Total risk-based capital ratio | 23.3765% | 1,022 |
| Memoranda: | ||
| Average total assets | $86,482,000 | 4,247 |
| Average earning assets | $80,808,250 | 4,223 |
| Average equity | $12,930,500 | 3,933 |
| Average total loans | $66,131,500 | 3,896 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 3,465 |
| Cost of funding earning assets | 0.9555% | 1,884 |
| Net interest margin | 3.4013% | 3,895 |
| Noninterest income to average assets | 0.6108% | 2,097 |
| Noninterest expense to average assets | 5.1893% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.3925% | 5,243 |
| Return on assets (ROA) | -1.3925% | 5,244 |
| Pretax return on assets | -1.3902% | 5,240 |
| Return on Equity (ROE) | -9.3676% | 5,237 |
| Retained earnings to average equity (ytd only) | -9.3676% | 5,167 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.5927% | 51 |
| Assets per employee ($millions) | 6.7165% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7647% | 160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.8669% | 2,089 |
| Net loans and leases to deposits | 119.5944% | 92 |
| Net loans and leases to core deposits | 131.2708% | 301 |
| Total domestic deposits to total assets | 60.9284% | 5,205 |
| Equity capital to assets | 14.5143% | 945 |
| Core capital (leverage) ratio | 15.0710% | 690 |
| Tier 1 risk-based capital ratio | 21.2772% | 1,149 |
| Total risk-based capital ratio | 22.5496% | 1,123 |
| Memoranda: | ||
| Average total assets | $87,758,330 | 4,252 |
| Average earning assets | $82,263,670 | 4,235 |
| Average equity | $13,045,000 | 3,929 |
| Average total loans | $66,819,330 | 3,906 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2346% | 3,765 |
| Cost of funding earning assets | 0.8557% | 2,245 |
| Net interest margin | 3.3789% | 3,938 |
| Noninterest income to average assets | 0.5865% | 2,111 |
| Noninterest expense to average assets | 4.9056% | 219 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.1593% | 5,296 |
| Return on assets (ROA) | -1.1593% | 5,292 |
| Pretax return on assets | -1.1593% | 5,286 |
| Return on Equity (ROE) | -7.7092% | 5,278 |
| Retained earnings to average equity (ytd only) | -7.7092% | 5,022 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.9466% | 58 |
| Assets per employee ($millions) | 5.8551% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7150% | 186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.8053% | 1,842 |
| Net loans and leases to deposits | 122.6254% | 69 |
| Net loans and leases to core deposits | 136.4825% | 227 |
| Total domestic deposits to total assets | 60.1876% | 5,276 |
| Equity capital to assets | 14.8531% | 782 |
| Core capital (leverage) ratio | 15.1974% | 659 |
| Tier 1 risk-based capital ratio | 21.6713% | 1,087 |
| Total risk-based capital ratio | 22.9437% | 1,068 |
| Memoranda: | ||
| Average total assets | $87,980,500 | 4,294 |
| Average earning assets | $82,274,500 | 4,275 |
| Average equity | $13,231,000 | 3,915 |
| Average total loans | $67,513,000 | 3,932 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 3,110 |
| Cost of funding earning assets | 0.9603% | 884 |
| Net interest margin | 3.3398% | 4,155 |
| Noninterest income to average assets | 0.4078% | 3,392 |
| Noninterest expense to average assets | 5.2783% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -1.6668% | 5,365 |
| Return on assets (ROA) | -1.6668% | 5,363 |
| Pretax return on assets | -1.6658% | 5,357 |
| Return on Equity (ROE) | -12.1196% | 5,361 |
| Retained earnings to average equity (ytd only) | -12.1196% | 5,338 |
| Net charge-offs to loans | -0.1630% | 5,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.1114% | 29 |
| Assets per employee ($millions) | 4.6386% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6449% | 193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.5520% | 1,683 |
| Net loans and leases to deposits | 130.5807% | 47 |
| Net loans and leases to core deposits | 146.0177% | 158 |
| Total domestic deposits to total assets | 57.8585% | 5,335 |
| Equity capital to assets | 15.2234% | 661 |
| Core capital (leverage) ratio | 14.7254% | 751 |
| Tier 1 risk-based capital ratio | 21.6059% | 1,079 |
| Total risk-based capital ratio | 22.8781% | 1,057 |
| Memoranda: | ||
| Average total assets | $95,390,600 | 4,176 |
| Average earning assets | $91,531,600 | 4,118 |
| Average equity | $13,119,200 | 3,867 |
| Average total loans | $76,067,400 | 3,749 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 3,242 |
| Cost of funding earning assets | 0.9245% | 819 |
| Net interest margin | 3.2970% | 4,283 |
| Noninterest income to average assets | 0.3607% | 3,722 |
| Noninterest expense to average assets | 5.2081% | 179 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -1.6693% | 5,439 |
| Return on assets (ROA) | -1.6693% | 5,436 |
| Pretax return on assets | -1.6679% | 5,433 |
| Return on Equity (ROE) | -12.4390% | 5,431 |
| Retained earnings to average equity (ytd only) | -12.4390% | 5,409 |
| Net charge-offs to loans | 0.0256% | 2,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -81.0645% | 3,484 |
| Efficiency ratio | 147.1135% | 28 |
| Assets per employee ($millions) | 4.7864% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2065% | 360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.3209% | 1,444 |
| Net loans and leases to deposits | 139.0565% | 25 |
| Net loans and leases to core deposits | 160.9660% | 88 |
| Total domestic deposits to total assets | 55.6040% | 5,413 |
| Equity capital to assets | 14.3575% | 867 |
| Core capital (leverage) ratio | 14.4674% | 831 |
| Tier 1 risk-based capital ratio | 19.4255% | 1,448 |
| Total risk-based capital ratio | 20.6907% | 1,415 |
| Memoranda: | ||
| Average total assets | $97,204,750 | 4,187 |
| Average earning assets | $93,739,500 | 4,112 |
| Average equity | $13,044,750 | 3,909 |
| Average total loans | $77,985,250 | 3,737 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 3,493 |
| Cost of funding earning assets | 0.8500% | 918 |
| Net interest margin | 3.2393% | 4,411 |
| Noninterest income to average assets | 0.3705% | 3,679 |
| Noninterest expense to average assets | 5.1649% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -1.6602% | 5,502 |
| Return on assets (ROA) | -1.6602% | 5,495 |
| Pretax return on assets | -1.6582% | 5,493 |
| Return on Equity (ROE) | -12.6603% | 5,483 |
| Retained earnings to average equity (ytd only) | -12.6603% | 5,443 |
| Net charge-offs to loans | -0.0533% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.2855% | 34 |
| Assets per employee ($millions) | 5.0483% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1290% | 422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.6757% | 1,366 |
| Net loans and leases to deposits | 132.7252% | 35 |
| Net loans and leases to core deposits | 156.9996% | 92 |
| Total domestic deposits to total assets | 58.5237% | 5,458 |
| Equity capital to assets | 13.9730% | 940 |
| Core capital (leverage) ratio | 15.0507% | 658 |
| Tier 1 risk-based capital ratio | 19.1373% | 1,520 |
| Total risk-based capital ratio | 20.4019% | 1,473 |
| Memoranda: | ||
| Average total assets | $97,697,330 | 4,216 |
| Average earning assets | $94,588,670 | 4,135 |
| Average equity | $12,811,670 | 3,954 |
| Average total loans | $78,751,330 | 3,733 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 2,987 |
| Cost of funding earning assets | 0.8211% | 867 |
| Net interest margin | 3.3489% | 4,054 |
| Noninterest income to average assets | 0.3872% | 3,554 |
| Noninterest expense to average assets | 5.2590% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.6281% | 5,558 |
| Return on assets (ROA) | -1.6281% | 5,556 |
| Pretax return on assets | -1.6281% | 5,555 |
| Return on Equity (ROE) | -12.8581% | 5,549 |
| Retained earnings to average equity (ytd only) | -12.8581% | 5,425 |
| Net charge-offs to loans | -0.0717% | 5,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.8394% | 35 |
| Assets per employee ($millions) | 4.5641% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1508% | 422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 80.6450% | 844 |
| Net loans and leases to deposits | 137.6752% | 22 |
| Net loans and leases to core deposits | 164.3525% | 75 |
| Total domestic deposits to total assets | 58.5763% | 5,527 |
| Equity capital to assets | 12.5107% | 1,481 |
| Core capital (leverage) ratio | 12.9338% | 1,204 |
| Tier 1 risk-based capital ratio | 16.7824% | 2,186 |
| Total risk-based capital ratio | 18.0468% | 2,129 |
| Memoranda: | ||
| Average total assets | $96,063,000 | 4,286 |
| Average earning assets | $93,045,500 | 4,206 |
| Average equity | $12,163,500 | 4,092 |
| Average total loans | $78,061,000 | 3,777 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 3,785 |
| Cost of funding earning assets | 0.6687% | 1,190 |
| Net interest margin | 3.2131% | 4,413 |
| Noninterest income to average assets | 0.2248% | 4,799 |
| Noninterest expense to average assets | 5.2399% | 195 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.8908% | 5,637 |
| Return on assets (ROA) | -1.8908% | 5,636 |
| Pretax return on assets | -1.8897% | 5,642 |
| Return on Equity (ROE) | -13.4525% | 5,621 |
| Retained earnings to average equity (ytd only) | -13.4525% | 5,582 |
| Net charge-offs to loans | -0.0514% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.4033% | 24 |
| Assets per employee ($millions) | 4.5848% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1847% | 381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 78.3579% | 1,236 |
| Net loans and leases to deposits | 131.7897% | 41 |
| Net loans and leases to core deposits | 155.6617% | 107 |
| Total domestic deposits to total assets | 59.4568% | 5,589 |
| Equity capital to assets | 12.8126% | 1,350 |
| Core capital (leverage) ratio | 13.5334% | 947 |
| Tier 1 risk-based capital ratio | 17.5449% | 1,933 |
| Total risk-based capital ratio | 18.8099% | 1,879 |
| Memoranda: | ||
| Average total assets | $87,634,800 | 4,464 |
| Average earning assets | $85,244,200 | 4,371 |
| Average equity | $12,317,400 | 4,083 |
| Average total loans | $70,085,800 | 3,957 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 3,893 |
| Cost of funding earning assets | 0.6345% | 1,337 |
| Net interest margin | 3.1980% | 4,453 |
| Noninterest income to average assets | 0.2246% | 4,867 |
| Noninterest expense to average assets | 5.2662% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.9296% | 5,711 |
| Return on assets (ROA) | -1.9296% | 5,710 |
| Pretax return on assets | -1.9280% | 5,708 |
| Return on Equity (ROE) | -13.3950% | 5,691 |
| Retained earnings to average equity (ytd only) | -13.3950% | 5,647 |
| Net charge-offs to loans | -0.0546% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.7570% | 20 |
| Assets per employee ($millions) | 4.3813% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2518% | 376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 79.1222% | 1,106 |
| Net loans and leases to deposits | 123.4136% | 70 |
| Net loans and leases to core deposits | 145.6630% | 150 |
| Total domestic deposits to total assets | 64.1114% | 5,618 |
| Equity capital to assets | 13.7957% | 1,049 |
| Core capital (leverage) ratio | 15.0784% | 646 |
| Tier 1 risk-based capital ratio | 18.6637% | 1,690 |
| Total risk-based capital ratio | 19.9300% | 1,629 |
| Memoranda: | ||
| Average total assets | $85,473,500 | 4,538 |
| Average earning assets | $83,217,250 | 4,455 |
| Average equity | $12,312,750 | 4,123 |
| Average total loans | $68,325,250 | 4,036 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 3,706 |
| Cost of funding earning assets | 0.6300% | 1,267 |
| Net interest margin | 3.2237% | 4,342 |
| Noninterest income to average assets | 0.1849% | 5,126 |
| Noninterest expense to average assets | 5.8635% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -2.5355% | 5,765 |
| Return on assets (ROA) | -2.5355% | 5,764 |
| Pretax return on assets | -2.5331% | 5,764 |
| Return on Equity (ROE) | -17.3314% | 5,747 |
| Retained earnings to average equity (ytd only) | -17.3314% | 5,713 |
| Net charge-offs to loans | -0.0573% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.0634% | 17 |
| Assets per employee ($millions) | 4.1988% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4595% | 294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 78.7758% | 1,125 |
| Net loans and leases to deposits | 121.0555% | 88 |
| Net loans and leases to core deposits | 140.3071% | 185 |
| Total domestic deposits to total assets | 65.0741% | 5,650 |
| Equity capital to assets | 15.5320% | 608 |
| Core capital (leverage) ratio | 15.0884% | 608 |
| Tier 1 risk-based capital ratio | 21.2732% | 1,148 |
| Total risk-based capital ratio | 22.5421% | 1,126 |
| Memoranda: | ||
| Average total assets | $83,295,670 | 4,603 |
| Average earning assets | $81,272,330 | 4,511 |
| Average equity | $12,186,000 | 4,158 |
| Average total loans | $66,275,330 | 4,098 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 4,303 |
| Cost of funding earning assets | 0.6027% | 1,350 |
| Net interest margin | 3.0383% | 4,811 |
| Noninterest income to average assets | 0.1784% | 5,201 |
| Noninterest expense to average assets | 5.6174% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.4736% | 5,832 |
| Return on assets (ROA) | -2.4736% | 5,832 |
| Pretax return on assets | -2.4736% | 5,825 |
| Return on Equity (ROE) | -17.4527% | 5,809 |
| Retained earnings to average equity (ytd only) | -17.4527% | 5,696 |
| Net charge-offs to loans | -0.0550% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.6810% | 22 |
| Assets per employee ($millions) | 4.5392% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3565% | 377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 79.6568% | 879 |
| Net loans and leases to deposits | 118.5546% | 101 |
| Net loans and leases to core deposits | 136.1367% | 200 |
| Total domestic deposits to total assets | 67.1900% | 5,691 |
| Equity capital to assets | 13.9463% | 920 |
| Core capital (leverage) ratio | 14.9382% | 618 |
| Tier 1 risk-based capital ratio | 18.9032% | 1,636 |
| Total risk-based capital ratio | 20.1716% | 1,592 |
| Memoranda: | ||
| Average total assets | $82,956,000 | 4,660 |
| Average earning assets | $80,965,000 | 4,566 |
| Average equity | $11,757,500 | 4,256 |
| Average total loans | $65,503,000 | 4,144 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2595% | 5,220 |
| Cost of funding earning assets | 0.6893% | 859 |
| Net interest margin | 2.5701% | 5,543 |
| Noninterest income to average assets | 0.1112% | 5,612 |
| Noninterest expense to average assets | 6.4211% | 143 |
| Loan and lease loss provision to assets | -0.6044% | 5,889 |
| Net operating income to assets | -3.2009% | 5,895 |
| Return on assets (ROA) | -3.2009% | 5,895 |
| Pretax return on assets | -3.1996% | 5,894 |
| Return on Equity (ROE) | -23.3255% | 5,879 |
| Retained earnings to average equity (ytd only) | -23.3255% | 5,869 |
| Net charge-offs to loans | 0.2907% | 953 |
| Credit loss provision to net charge-offs | -297.6190% | 5,073 |
| Earnings coverage of net charge-offs (x) | -18.7321% | 4,257 |
| Efficiency ratio | 245.3580% | 9 |
| Assets per employee ($millions) | 3.9834% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7190% | 245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 74.0570% | 1,845 |
| Net loans and leases to deposits | 102.0179% | 534 |
| Net loans and leases to core deposits | 110.0810% | 897 |
| Total domestic deposits to total assets | 72.5922% | 5,523 |
| Equity capital to assets | 14.4188% | 758 |
| Core capital (leverage) ratio | 14.2572% | 747 |
| Tier 1 risk-based capital ratio | 20.7635% | 1,253 |
| Total risk-based capital ratio | 22.0360% | 1,220 |
| Memoranda: | ||
| Average total assets | $82,727,800 | 4,677 |
| Average earning assets | $80,657,200 | 4,580 |
| Average equity | $11,352,400 | 4,365 |
| Average total loans | $57,797,400 | 4,353 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 5,414 |
| Cost of funding earning assets | 0.7030% | 805 |
| Net interest margin | 2.4613% | 5,679 |
| Noninterest income to average assets | 0.1086% | 5,676 |
| Noninterest expense to average assets | 6.5393% | 148 |
| Loan and lease loss provision to assets | -0.7985% | 5,964 |
| Net operating income to assets | -3.2353% | 5,964 |
| Return on assets (ROA) | -3.2353% | 5,964 |
| Pretax return on assets | -3.2337% | 5,965 |
| Return on Equity (ROE) | -23.8654% | 5,950 |
| Retained earnings to average equity (ytd only) | -23.8654% | 5,929 |
| Net charge-offs to loans | 0.3223% | 719 |
| Credit loss provision to net charge-offs | -362.3188% | 4,991 |
| Earnings coverage of net charge-offs (x) | -18.2966% | 3,929 |
| Efficiency ratio | 260.8280% | 6 |
| Assets per employee ($millions) | 4.5623% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8843% | 217 |
| Loan loss allowance to noncurrent loans | 4,938.2353% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 5,311 |
| Noncurrent loans to loans | 0.0584% | 5,124 |
| Net loans and leases to total assets | 68.8403% | 2,670 |
| Net loans and leases to deposits | 94.7396% | 1,174 |
| Net loans and leases to core deposits | 98.2499% | 1,789 |
| Total domestic deposits to total assets | 72.6626% | 5,547 |
| Equity capital to assets | 14.7366% | 805 |
| Core capital (leverage) ratio | 13.9648% | 859 |
| Tier 1 risk-based capital ratio | 23.2991% | 970 |
| Total risk-based capital ratio | 24.5747% | 949 |
| Memoranda: | ||
| Average total assets | $83,493,000 | 4,695 |
| Average earning assets | $81,363,750 | 4,595 |
| Average equity | $11,318,750 | 4,409 |
| Average total loans | $57,084,750 | 4,407 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1237% | 5,520 |
| Cost of funding earning assets | 0.6996% | 808 |
| Net interest margin | 2.4241% | 5,791 |
| Noninterest income to average assets | 0.0881% | 5,817 |
| Noninterest expense to average assets | 6.6540% | 148 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -4.2073% | 6,046 |
| Return on assets (ROA) | -4.2073% | 6,046 |
| Pretax return on assets | -4.2049% | 6,044 |
| Return on Equity (ROE) | -31.9416% | 6,031 |
| Retained earnings to average equity (ytd only) | -31.9416% | 6,010 |
| Net charge-offs to loans | 0.4937% | 442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -12.6071% | 3,653 |
| Efficiency ratio | 271.6926% | 11 |
| Assets per employee ($millions) | 4.6685% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1936% | 67 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.0715% | 4,302 |
| Net loans and leases to deposits | 75.0087% | 3,478 |
| Net loans and leases to core deposits | 77.5006% | 3,685 |
| Total domestic deposits to total assets | 74.7534% | 5,440 |
| Equity capital to assets | 12.6842% | 1,668 |
| Core capital (leverage) ratio | 12.7633% | 1,249 |
| Tier 1 risk-based capital ratio | 23.0747% | 1,005 |
| Total risk-based capital ratio | 24.3661% | 982 |
| Memoranda: | ||
| Average total assets | $83,950,000 | 4,722 |
| Average earning assets | $81,761,330 | 4,628 |
| Average equity | $11,057,670 | 4,486 |
| Average total loans | $56,709,000 | 4,445 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 4,565 |
| Cost of funding earning assets | 0.6980% | 815 |
| Net interest margin | 2.9225% | 5,281 |
| Noninterest income to average assets | 0.0490% | 5,969 |
| Noninterest expense to average assets | 6.9335% | 143 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -4.0307% | 6,102 |
| Return on assets (ROA) | -4.0307% | 6,102 |
| Pretax return on assets | -4.0307% | 6,097 |
| Return on Equity (ROE) | -29.9973% | 6,085 |
| Retained earnings to average equity (ytd only) | -29.9973% | 6,024 |
| Net charge-offs to loans | 0.9610% | 199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -5.7887% | 3,044 |
| Efficiency ratio | 238.8514% | 13 |
| Assets per employee ($millions) | 4.1324% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6237% | 116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.9929% | 2,344 |
| Net loans and leases to deposits | 94.1627% | 1,132 |
| Net loans and leases to core deposits | 97.5432% | 1,669 |
| Total domestic deposits to total assets | 74.3318% | 5,585 |
| Equity capital to assets | 12.8256% | 1,496 |
| Core capital (leverage) ratio | 13.0769% | 1,130 |
| Tier 1 risk-based capital ratio | 19.6744% | 1,575 |
| Total risk-based capital ratio | 20.9605% | 1,532 |
| Memoranda: | ||
| Average total assets | $81,574,500 | 4,825 |
| Average earning assets | $79,658,000 | 4,714 |
| Average equity | $10,961,000 | 4,519 |
| Average total loans | $59,107,000 | 4,403 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 3,906 |
| Cost of funding earning assets | 0.6508% | 1,072 |
| Net interest margin | 3.1927% | 4,649 |
| Noninterest income to average assets | 0.1630% | 5,608 |
| Noninterest expense to average assets | 7.2533% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -3.9861% | 6,174 |
| Return on assets (ROA) | -3.9861% | 6,174 |
| Pretax return on assets | -3.9848% | 6,172 |
| Return on Equity (ROE) | -27.0811% | 6,145 |
| Retained earnings to average equity (ytd only) | -27.0811% | 6,135 |
| Net charge-offs to loans | -0.0048% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 221.9173% | 6 |
| Assets per employee ($millions) | 4.2369% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9816% | 86 |
| Loan loss allowance to noncurrent loans | 1,421.4724% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 4,782 |
| Noncurrent loans to loans | 0.2801% | 4,459 |
| Net loans and leases to total assets | 69.4082% | 2,468 |
| Net loans and leases to deposits | 95.5814% | 1,061 |
| Net loans and leases to core deposits | 98.5363% | 1,627 |
| Total domestic deposits to total assets | 72.6168% | 5,757 |
| Equity capital to assets | 14.0642% | 911 |
| Core capital (leverage) ratio | 14.0448% | 803 |
| Tier 1 risk-based capital ratio | 23.0009% | 1,012 |
| Total risk-based capital ratio | 24.2943% | 995 |
| Memoranda: | ||
| Average total assets | $79,150,400 | 4,891 |
| Average earning assets | $76,987,200 | 4,787 |
| Average equity | $11,650,200 | 4,359 |
| Average total loans | $61,942,800 | 4,322 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 3,936 |
| Cost of funding earning assets | 0.6316% | 1,205 |
| Net interest margin | 3.2187% | 4,616 |
| Noninterest income to average assets | 0.3620% | 4,343 |
| Noninterest expense to average assets | 7.1374% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -3.6474% | 6,258 |
| Return on assets (ROA) | -3.6474% | 6,258 |
| Pretax return on assets | -3.6457% | 6,256 |
| Return on Equity (ROE) | -24.5016% | 6,232 |
| Retained earnings to average equity (ytd only) | -24.5016% | 6,219 |
| Net charge-offs to loans | -0.0064% | 4,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 204.4089% | 15 |
| Assets per employee ($millions) | 4.5989% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0157% | 93 |
| Loan loss allowance to noncurrent loans | 1,301.1236% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 4,854 |
| Noncurrent loans to loans | 0.3086% | 4,499 |
| Net loans and leases to total assets | 70.8075% | 2,263 |
| Net loans and leases to deposits | 98.3251% | 795 |
| Net loans and leases to core deposits | 100.1067% | 1,505 |
| Total domestic deposits to total assets | 72.0137% | 5,858 |
| Equity capital to assets | 14.2899% | 920 |
| Core capital (leverage) ratio | 14.6304% | 709 |
| Tier 1 risk-based capital ratio | 25.8384% | 784 |
| Total risk-based capital ratio | 27.1399% | 762 |
| Memoranda: | ||
| Average total assets | $78,812,500 | 4,951 |
| Average earning assets | $76,634,000 | 4,854 |
| Average equity | $11,732,250 | 4,403 |
| Average total loans | $62,880,500 | 4,340 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7356% | 4,293 |
| Cost of funding earning assets | 0.6117% | 1,331 |
| Net interest margin | 3.1238% | 4,905 |
| Noninterest income to average assets | 0.4201% | 3,921 |
| Noninterest expense to average assets | 6.7702% | 158 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -3.3155% | 6,328 |
| Return on assets (ROA) | -3.3155% | 6,329 |
| Pretax return on assets | -3.3130% | 6,328 |
| Return on Equity (ROE) | -21.9817% | 6,300 |
| Retained earnings to average equity (ytd only) | -21.9817% | 6,273 |
| Net charge-offs to loans | -0.0093% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 195.8272% | 16 |
| Assets per employee ($millions) | 4.2138% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8063% | 125 |
| Loan loss allowance to noncurrent loans | 80.4167% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 3.7970% | 359 |
| Noncurrent loans to loans | 4.7332% | 269 |
| Net loans and leases to total assets | 77.1678% | 1,186 |
| Net loans and leases to deposits | 109.0267% | 284 |
| Net loans and leases to core deposits | 110.5756% | 803 |
| Total domestic deposits to total assets | 70.7788% | 6,000 |
| Equity capital to assets | 14.9745% | 708 |
| Core capital (leverage) ratio | 14.7406% | 667 |
| Tier 1 risk-based capital ratio | 24.5695% | 899 |
| Total risk-based capital ratio | 25.8675% | 883 |
| Memoranda: | ||
| Average total assets | $79,023,000 | 4,997 |
| Average earning assets | $76,829,330 | 4,895 |
| Average equity | $11,919,000 | 4,395 |
| Average total loans | $64,616,000 | 4,323 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5390% | 4,862 |
| Cost of funding earning assets | 0.5907% | 1,500 |
| Net interest margin | 2.9483% | 5,346 |
| Noninterest income to average assets | 0.6054% | 2,617 |
| Noninterest expense to average assets | 6.8776% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -3.3991% | 6,392 |
| Return on assets (ROA) | -3.3991% | 6,392 |
| Pretax return on assets | -3.3991% | 6,390 |
| Return on Equity (ROE) | -22.4599% | 6,366 |
| Retained earnings to average equity (ytd only) | -22.4599% | 6,295 |
| Net charge-offs to loans | -0.0120% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 197.7175% | 19 |
| Assets per employee ($millions) | 4.2307% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6579% | 159 |
| Loan loss allowance to noncurrent loans | 82.4724% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 3.4920% | 475 |
| Noncurrent loans to loans | 4.4354% | 359 |
| Net loans and leases to total assets | 75.8509% | 1,232 |
| Net loans and leases to deposits | 106.9928% | 284 |
| Net loans and leases to core deposits | 106.9928% | 873 |
| Total domestic deposits to total assets | 70.8935% | 6,089 |
| Equity capital to assets | 14.8500% | 742 |
| Core capital (leverage) ratio | 14.7506% | 648 |
| Tier 1 risk-based capital ratio | 24.8356% | 901 |
| Total risk-based capital ratio | 26.1317% | 882 |
| Memoranda: | ||
| Average total assets | $80,610,000 | 5,013 |
| Average earning assets | $78,553,000 | 4,905 |
| Average equity | $12,199,500 | 4,375 |
| Average total loans | $66,500,500 | 4,288 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 2,335 |
| Cost of funding earning assets | 0.5917% | 1,835 |
| Net interest margin | 3.7753% | 2,709 |
| Noninterest income to average assets | 0.1518% | 5,937 |
| Noninterest expense to average assets | 7.2274% | 132 |
| Loan and lease loss provision to assets | 0.2892% | 722 |
| Net operating income to assets | -3.7959% | 6,484 |
| Return on assets (ROA) | -3.7959% | 6,485 |
| Pretax return on assets | -3.7945% | 6,487 |
| Return on Equity (ROE) | -22.2186% | 6,449 |
| Retained earnings to average equity (ytd only) | -22.2186% | 6,437 |
| Net charge-offs to loans | -0.5448% | 6,400 |
| Credit loss provision to net charge-offs | -62.3053% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 194.1725% | 22 |
| Assets per employee ($millions) | 3.6744% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3178% | 211 |
| Loan loss allowance to noncurrent loans | 256.4302% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 1.1158% | 2,520 |
| Noncurrent loans to loans | 1.2939% | 2,288 |
| Net loans and leases to total assets | 83.3799% | 388 |
| Net loans and leases to deposits | 118.7223% | 107 |
| Net loans and leases to core deposits | 118.7223% | 442 |
| Total domestic deposits to total assets | 70.2311% | 6,186 |
| Equity capital to assets | 15.4164% | 625 |
| Core capital (leverage) ratio | 15.1383% | 585 |
| Tier 1 risk-based capital ratio | 25.0161% | 837 |
| Total risk-based capital ratio | 26.3008% | 822 |
| Memoranda: | ||
| Average total assets | $69,153,600 | 5,317 |
| Average earning assets | $65,399,400 | 5,244 |
| Average equity | $11,814,400 | 4,394 |
| Average total loans | $58,917,200 | 4,523 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 2,348 |
| Cost of funding earning assets | 0.5890% | 1,935 |
| Net interest margin | 3.7810% | 2,687 |
| Noninterest income to average assets | -0.0523% | 6,511 |
| Noninterest expense to average assets | 6.8222% | 142 |
| Loan and lease loss provision to assets | 0.4026% | 421 |
| Net operating income to assets | -3.7382% | 6,568 |
| Return on assets (ROA) | -3.7382% | 6,568 |
| Pretax return on assets | -3.7362% | 6,567 |
| Return on Equity (ROE) | -21.2481% | 6,515 |
| Retained earnings to average equity (ytd only) | -21.2481% | 6,497 |
| Net charge-offs to loans | -0.7826% | 6,505 |
| Credit loss provision to net charge-offs | -60.6061% | 5,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 195.5568% | 23 |
| Assets per employee ($millions) | 3.7493% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2800% | 275 |
| Loan loss allowance to noncurrent loans | 377.5610% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 3,571 |
| Noncurrent loans to loans | 0.8687% | 3,394 |
| Net loans and leases to total assets | 83.0102% | 409 |
| Net loans and leases to deposits | 118.2471% | 115 |
| Net loans and leases to core deposits | 118.2471% | 429 |
| Total domestic deposits to total assets | 70.2006% | 6,278 |
| Equity capital to assets | 16.0381% | 560 |
| Core capital (leverage) ratio | 15.9334% | 487 |
| Tier 1 risk-based capital ratio | 25.0388% | 879 |
| Total risk-based capital ratio | 26.2407% | 871 |
| Memoranda: | ||
| Average total assets | $66,233,000 | 5,449 |
| Average earning assets | $62,027,500 | 5,403 |
| Average equity | $11,652,500 | 4,458 |
| Average total loans | $56,218,000 | 4,653 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 2,639 |
| Cost of funding earning assets | 0.5794% | 2,072 |
| Net interest margin | 3.7051% | 2,943 |
| Noninterest income to average assets | -0.2138% | 6,624 |
| Noninterest expense to average assets | 7.2744% | 130 |
| Loan and lease loss provision to assets | 0.6577% | 209 |
| Net operating income to assets | -4.7422% | 6,645 |
| Return on assets (ROA) | -4.7422% | 6,645 |
| Pretax return on assets | -4.7389% | 6,645 |
| Return on Equity (ROE) | -25.9189% | 6,598 |
| Retained earnings to average equity (ytd only) | -25.9189% | 6,569 |
| Net charge-offs to loans | -1.2773% | 6,589 |
| Credit loss provision to net charge-offs | -60.9756% | 5,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 227.8064% | 15 |
| Assets per employee ($millions) | 3.7859% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2329% | 295 |
| Loan loss allowance to noncurrent loans | 155.2878% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.7937% | 1,807 |
| Noncurrent loans to loans | 2.0819% | 1,606 |
| Net loans and leases to total assets | 83.3738% | 350 |
| Net loans and leases to deposits | 119.1176% | 92 |
| Net loans and leases to core deposits | 119.1176% | 397 |
| Total domestic deposits to total assets | 69.9928% | 6,353 |
| Equity capital to assets | 16.2637% | 504 |
| Core capital (leverage) ratio | 19.0467% | 240 |
| Tier 1 risk-based capital ratio | 26.9733% | 702 |
| Total risk-based capital ratio | 28.2656% | 687 |
| Memoranda: | ||
| Average total assets | $60,815,670 | 5,637 |
| Average earning assets | $55,923,000 | 5,627 |
| Average equity | $11,127,000 | 4,576 |
| Average total loans | $51,359,670 | 4,844 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 1,581 |
| Cost of funding earning assets | 0.6506% | 1,577 |
| Net interest margin | 3.9215% | 2,009 |
| Noninterest income to average assets | -1.1618% | 6,725 |
| Noninterest expense to average assets | 8.8990% | 91 |
| Loan and lease loss provision to assets | 1.2102% | 91 |
| Net operating income to assets | -7.7211% | 6,720 |
| Return on assets (ROA) | -7.7211% | 6,720 |
| Pretax return on assets | -7.7211% | 6,718 |
| Return on Equity (ROE) | -38.5984% | 6,679 |
| Retained earnings to average equity (ytd only) | -38.5984% | 6,648 |
| Net charge-offs to loans | -0.0194% | 5,339 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 372.6351% | 8 |
| Assets per employee ($millions) | 2.9048% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0480% | 182 |
| Loan loss allowance to noncurrent loans | 349.0126% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 3,241 |
| Noncurrent loans to loans | 1.1598% | 3,110 |
| Net loans and leases to total assets | 83.4919% | 264 |
| Net loans and leases to deposits | 124.8408% | 49 |
| Net loans and leases to core deposits | 126.3747% | 222 |
| Total domestic deposits to total assets | 66.8787% | 6,540 |
| Equity capital to assets | 25.1218% | 98 |
| Core capital (leverage) ratio | 29.3234% | 69 |
| Tier 1 risk-based capital ratio | 35.9709% | 319 |
| Total risk-based capital ratio | 37.2707% | 310 |
| Memoranda: | ||
| Average total assets | $49,578,500 | 5,974 |
| Average earning assets | $44,881,000 | 5,974 |
| Average equity | $9,917,500 | 4,838 |
| Average total loans | $41,158,500 | 5,273 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9996% | 922 |
| Cost of funding earning assets | 0.7094% | 1,749 |
| Net interest margin | 4.2902% | 1,131 |
| Noninterest income to average assets | 0.3426% | 4,865 |
| Noninterest expense to average assets | 10.7363% | 73 |
| Loan and lease loss provision to assets | 1.4362% | 99 |
| Net operating income to assets | -7.9604% | 6,805 |
| Return on assets (ROA) | -7.9604% | 6,806 |
| Pretax return on assets | -7.9584% | 6,806 |
| Return on Equity (ROE) | -106.1095% | 6,806 |
| Retained earnings to average equity (ytd only) | -106.1095% | 6,806 |
| Net charge-offs to loans | 3.4472% | 58 |
| Credit loss provision to net charge-offs | 54.6875% | 3,710 |
| Earnings coverage of net charge-offs (x) | -2.4836% | 5,340 |
| Efficiency ratio | 254.7712% | 15 |
| Assets per employee ($millions) | 2.3140% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2256% | 82 |
| Loan loss allowance to noncurrent loans | 336.2101% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6331% | 2,267 |
| Noncurrent loans to loans | 1.5543% | 2,566 |
| Net loans and leases to total assets | 73.9230% | 1,360 |
| Net loans and leases to deposits | 89.1366% | 1,326 |
| Net loans and leases to core deposits | 90.2480% | 1,995 |
| Total domestic deposits to total assets | 82.9323% | 4,565 |
| Equity capital to assets | 13.5787% | 1,040 |
| Core capital (leverage) ratio | 13.4723% | 963 |
| Tier 1 risk-based capital ratio | 18.7624% | 1,989 |
| Total risk-based capital ratio | 20.0698% | 1,937 |
| Memoranda: | ||
| Average total assets | $48,741,000 | 6,043 |
| Average earning assets | $43,983,800 | 6,053 |
| Average equity | $3,656,600 | 6,400 |
| Average total loans | $37,132,000 | 5,457 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 1,052 |
| Cost of funding earning assets | 0.7164% | 1,839 |
| Net interest margin | 4.2218% | 1,274 |
| Noninterest income to average assets | 0.4886% | 3,885 |
| Noninterest expense to average assets | 9.5989% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -5.2894% | 6,879 |
| Return on assets (ROA) | -5.2894% | 6,880 |
| Pretax return on assets | -5.2868% | 6,880 |
| Return on Equity (ROE) | -85.8043% | 6,880 |
| Retained earnings to average equity (ytd only) | -85.8043% | 6,878 |
| Net charge-offs to loans | 1.6102% | 267 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -4.3326% | 5,128 |
| Efficiency ratio | 222.6006% | 24 |
| Assets per employee ($millions) | 2.5329% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5498% | 78 |
| Loan loss allowance to noncurrent loans | 141.2242% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 3.9041% | 810 |
| Noncurrent loans to loans | 3.9298% | 899 |
| Net loans and leases to total assets | 71.4825% | 1,685 |
| Net loans and leases to deposits | 88.4759% | 1,315 |
| Net loans and leases to core deposits | 89.5652% | 2,018 |
| Total domestic deposits to total assets | 80.7931% | 5,271 |
| Equity capital to assets | 17.2351% | 391 |
| Core capital (leverage) ratio | 16.7920% | 404 |
| Tier 1 risk-based capital ratio | 23.8816% | 1,022 |
| Total risk-based capital ratio | 25.1915% | 1,000 |
| Memoranda: | ||
| Average total assets | $49,934,750 | 6,084 |
| Average earning assets | $45,224,500 | 6,082 |
| Average equity | $3,078,250 | 6,592 |
| Average total loans | $37,841,750 | 5,484 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 1,040 |
| Cost of funding earning assets | 0.7243% | 1,891 |
| Net interest margin | 4.1999% | 1,274 |
| Noninterest income to average assets | 0.5449% | 3,541 |
| Noninterest expense to average assets | 7.6875% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -3.3319% | 6,905 |
| Return on assets (ROA) | -3.3319% | 6,906 |
| Pretax return on assets | -3.3280% | 6,900 |
| Return on Equity (ROE) | -115.2862% | 6,932 |
| Retained earnings to average equity (ytd only) | -115.2862% | 6,930 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.3393% | 43 |
| Assets per employee ($millions) | 3.5474% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7654% | 32 |
| Loan loss allowance to noncurrent loans | 130.1866% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 4.8703% | 636 |
| Noncurrent loans to loans | 5.1967% | 604 |
| Net loans and leases to total assets | 70.8843% | 1,735 |
| Net loans and leases to deposits | 73.0448% | 3,295 |
| Net loans and leases to core deposits | 73.7851% | 3,846 |
| Total domestic deposits to total assets | 97.0422% | 9 |
| Equity capital to assets | 2.2986% | 6,924 |
| Core capital (leverage) ratio | 2.1232% | 6,931 |
| Tier 1 risk-based capital ratio | 3.2035% | 6,926 |
| Total risk-based capital ratio | 4.5272% | 6,926 |
| Memoranda: | ||
| Average total assets | $51,382,000 | 6,091 |
| Average earning assets | $46,668,000 | 6,078 |
| Average equity | $1,485,000 | 6,885 |
| Average total loans | $38,953,670 | 5,471 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 966 |
| Cost of funding earning assets | 0.7082% | 2,138 |
| Net interest margin | 4.2493% | 1,073 |
| Noninterest income to average assets | 0.6813% | 2,691 |
| Noninterest expense to average assets | 7.7756% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -3.2287% | 6,973 |
| Return on assets (ROA) | -3.2287% | 6,975 |
| Pretax return on assets | -3.2287% | 6,972 |
| Return on Equity (ROE) | -102.7393% | 7,003 |
| Retained earnings to average equity (ytd only) | -102.7393% | 7,001 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.0098% | 60 |
| Assets per employee ($millions) | 3.6626% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1921% | 65 |
| Loan loss allowance to noncurrent loans | 128.9130% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 4.4152% | 848 |
| Noncurrent loans to loans | 4.8033% | 816 |
| Net loans and leases to total assets | 70.0802% | 1,643 |
| Net loans and leases to deposits | 72.7621% | 3,089 |
| Net loans and leases to core deposits | 73.4281% | 3,646 |
| Total domestic deposits to total assets | 96.3141% | 18 |
| Equity capital to assets | 2.8843% | 6,984 |
| Core capital (leverage) ratio | 2.6904% | 6,980 |
| Tier 1 risk-based capital ratio | 3.9704% | 6,979 |
| Total risk-based capital ratio | 5.2858% | 6,979 |
| Memoranda: | ||
| Average total assets | $54,015,000 | 6,076 |
| Average earning assets | $49,137,000 | 6,069 |
| Average equity | $1,697,500 | 6,926 |
| Average total loans | $40,900,000 | 5,423 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9170% | 1,780 |
| Cost of funding earning assets | 0.6842% | 3,620 |
| Net interest margin | 4.2328% | 1,569 |
| Noninterest income to average assets | -0.2857% | 6,991 |
| Noninterest expense to average assets | 6.8468% | 157 |
| Loan and lease loss provision to assets | 1.0078% | 406 |
| Net operating income to assets | -4.3043% | 7,045 |
| Return on assets (ROA) | -4.3043% | 7,045 |
| Pretax return on assets | -4.3030% | 7,048 |
| Return on Equity (ROE) | -87.7472% | 7,061 |
| Retained earnings to average equity (ytd only) | -87.7472% | 7,061 |
| Net charge-offs to loans | 3.4738% | 111 |
| Credit loss provision to net charge-offs | 39.5947% | 4,941 |
| Earnings coverage of net charge-offs (x) | -1.2946% | 5,783 |
| Efficiency ratio | 192.7786% | 42 |
| Assets per employee ($millions) | 4.0538% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4538% | 98 |
| Loan loss allowance to noncurrent loans | 132.8852% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 4.7169% | 855 |
| Noncurrent loans to loans | 4.1041% | 1,128 |
| Net loans and leases to total assets | 72.4561% | 1,426 |
| Net loans and leases to deposits | 82.0942% | 1,983 |
| Net loans and leases to core deposits | 84.5798% | 2,480 |
| Total domestic deposits to total assets | 88.2597% | 2,059 |
| Equity capital to assets | 3.3760% | 7,025 |
| Core capital (leverage) ratio | 3.3874% | 7,019 |
| Tier 1 risk-based capital ratio | 4.5919% | 7,029 |
| Total risk-based capital ratio | 5.8980% | 7,030 |
| Memoranda: | ||
| Average total assets | $71,741,400 | 5,583 |
| Average earning assets | $65,040,200 | 5,585 |
| Average equity | $3,519,200 | 6,684 |
| Average total loans | $52,564,400 | 4,995 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 2,257 |
| Cost of funding earning assets | 0.7073% | 3,699 |
| Net interest margin | 4.1286% | 1,986 |
| Noninterest income to average assets | -0.3426% | 7,101 |
| Noninterest expense to average assets | 6.1871% | 199 |
| Loan and lease loss provision to assets | 1.2770% | 273 |
| Net operating income to assets | -4.0659% | 7,143 |
| Return on assets (ROA) | -4.0659% | 7,146 |
| Pretax return on assets | -4.0641% | 7,143 |
| Return on Equity (ROE) | -78.2974% | 7,153 |
| Retained earnings to average equity (ytd only) | -78.2974% | 7,151 |
| Net charge-offs to loans | 5.0942% | 40 |
| Credit loss provision to net charge-offs | 34.5107% | 4,722 |
| Earnings coverage of net charge-offs (x) | -0.7532% | 5,545 |
| Efficiency ratio | 181.9740% | 46 |
| Assets per employee ($millions) | 3.8607% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4784% | 212 |
| Loan loss allowance to noncurrent loans | 166.3766% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 4.0149% | 1,202 |
| Noncurrent loans to loans | 2.6917% | 2,107 |
| Net loans and leases to total assets | 77.4581% | 796 |
| Net loans and leases to deposits | 81.8301% | 2,147 |
| Net loans and leases to core deposits | 84.9642% | 2,580 |
| Total domestic deposits to total assets | 94.6572% | 50 |
| Equity capital to assets | 4.6641% | 7,068 |
| Core capital (leverage) ratio | 4.2608% | 7,074 |
| Tier 1 risk-based capital ratio | 5.6183% | 7,097 |
| Total risk-based capital ratio | 6.9080% | 7,098 |
| Memoranda: | ||
| Average total assets | $75,488,500 | 5,534 |
| Average earning assets | $68,431,750 | 5,541 |
| Average equity | $3,920,000 | 6,662 |
| Average total loans | $54,832,250 | 4,960 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6678% | 3,061 |
| Cost of funding earning assets | 0.7183% | 3,872 |
| Net interest margin | 3.9495% | 2,720 |
| Noninterest income to average assets | -0.5753% | 7,195 |
| Noninterest expense to average assets | 5.6301% | 254 |
| Loan and lease loss provision to assets | 0.8998% | 519 |
| Net operating income to assets | -3.5256% | 7,175 |
| Return on assets (ROA) | -3.5256% | 7,177 |
| Pretax return on assets | -3.5231% | 7,171 |
| Return on Equity (ROE) | -66.2918% | 7,192 |
| Retained earnings to average equity (ytd only) | -66.2918% | 7,187 |
| Net charge-offs to loans | 6.8817% | 24 |
| Credit loss provision to net charge-offs | 18.5129% | 4,634 |
| Earnings coverage of net charge-offs (x) | -0.5397% | 5,246 |
| Efficiency ratio | 187.2445% | 48 |
| Assets per employee ($millions) | 3.8954% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6637% | 441 |
| Loan loss allowance to noncurrent loans | 116.6458% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 3.6605% | 1,436 |
| Noncurrent loans to loans | 3.1408% | 1,862 |
| Net loans and leases to total assets | 74.0158% | 1,237 |
| Net loans and leases to deposits | 80.4379% | 2,321 |
| Net loans and leases to core deposits | 83.7631% | 2,722 |
| Total domestic deposits to total assets | 92.0161% | 221 |
| Equity capital to assets | 5.3895% | 7,074 |
| Core capital (leverage) ratio | 4.6593% | 7,093 |
| Tier 1 risk-based capital ratio | 6.8865% | 7,099 |
| Total risk-based capital ratio | 8.1658% | 7,097 |
| Memoranda: | ||
| Average total assets | $81,348,000 | 5,400 |
| Average earning assets | $73,782,000 | 5,403 |
| Average equity | $4,326,330 | 6,595 |
| Average total loans | $57,456,670 | 4,892 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 4,628 |
| Cost of funding earning assets | 0.7659% | 3,737 |
| Net interest margin | 3.5607% | 4,439 |
| Noninterest income to average assets | 0.1125% | 6,681 |
| Noninterest expense to average assets | 5.3131% | 298 |
| Loan and lease loss provision to assets | 0.6748% | 790 |
| Net operating income to assets | -2.6543% | 7,205 |
| Return on assets (ROA) | -2.6543% | 7,204 |
| Pretax return on assets | -2.6543% | 7,189 |
| Return on Equity (ROE) | -50.1594% | 7,228 |
| Retained earnings to average equity (ytd only) | -50.1594% | 7,215 |
| Net charge-offs to loans | 1.3104% | 777 |
| Credit loss provision to net charge-offs | 75.3769% | 2,812 |
| Earnings coverage of net charge-offs (x) | -2.2111% | 4,620 |
| Efficiency ratio | 159.3792% | 82 |
| Assets per employee ($millions) | 5.2391% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0786% | 82 |
| Loan loss allowance to noncurrent loans | 94.5886% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 6.1080% | 760 |
| Noncurrent loans to loans | 6.4263% | 746 |
| Net loans and leases to total assets | 59.4359% | 3,786 |
| Net loans and leases to deposits | 62.6899% | 4,812 |
| Net loans and leases to core deposits | 65.7337% | 4,945 |
| Total domestic deposits to total assets | 94.8094% | 64 |
| Equity capital to assets | 4.9549% | 7,142 |
| Core capital (leverage) ratio | 5.0592% | 7,116 |
| Tier 1 risk-based capital ratio | 7.7507% | 7,096 |
| Total risk-based capital ratio | 9.0609% | 7,097 |
| Memoranda: | ||
| Average total assets | $88,911,500 | 5,243 |
| Average earning assets | $80,432,500 | 5,234 |
| Average equity | $4,705,000 | 6,511 |
| Average total loans | $60,746,000 | 4,782 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3997% | 5,427 |
| Cost of funding earning assets | 0.9252% | 3,921 |
| Net interest margin | 3.4744% | 5,242 |
| Noninterest income to average assets | -0.7135% | 7,294 |
| Noninterest expense to average assets | 5.1680% | 343 |
| Loan and lease loss provision to assets | 5.6597% | 13 |
| Net operating income to assets | -8.7427% | 7,348 |
| Return on assets (ROA) | -8.7427% | 7,349 |
| Pretax return on assets | -8.3158% | 7,348 |
| Return on Equity (ROE) | -119.2971% | 7,326 |
| Retained earnings to average equity (ytd only) | -119.2971% | 7,326 |
| Net charge-offs to loans | 7.0122% | 28 |
| Credit loss provision to net charge-offs | 107.2561% | 3,155 |
| Earnings coverage of net charge-offs (x) | -0.5034% | 6,084 |
| Efficiency ratio | 205.7476% | 55 |
| Assets per employee ($millions) | 3.8591% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3355% | 146 |
| Loan loss allowance to noncurrent loans | 71.9760% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 7.6026% | 565 |
| Noncurrent loans to loans | 7.4129% | 579 |
| Net loans and leases to total assets | 69.4634% | 2,131 |
| Net loans and leases to deposits | 73.8136% | 3,530 |
| Net loans and leases to core deposits | 88.6676% | 2,301 |
| Total domestic deposits to total assets | 94.1065% | 89 |
| Equity capital to assets | 5.6299% | 7,117 |
| Core capital (leverage) ratio | 5.3279% | 7,113 |
| Tier 1 risk-based capital ratio | 8.5528% | 7,078 |
| Total risk-based capital ratio | 9.8622% | 7,072 |
| Memoranda: | ||
| Average total assets | $95,588,800 | 5,027 |
| Average earning assets | $88,733,800 | 4,974 |
| Average equity | $7,005,200 | 5,863 |
| Average total loans | $71,931,600 | 4,413 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 5,568 |
| Cost of funding earning assets | 0.9444% | 4,083 |
| Net interest margin | 3.4685% | 5,315 |
| Noninterest income to average assets | -0.0904% | 7,201 |
| Noninterest expense to average assets | 4.7743% | 453 |
| Loan and lease loss provision to assets | 7.2752% | 10 |
| Net operating income to assets | -9.4527% | 7,426 |
| Return on assets (ROA) | -9.4527% | 7,427 |
| Pretax return on assets | -8.8936% | 7,426 |
| Return on Equity (ROE) | -122.5096% | 7,393 |
| Retained earnings to average equity (ytd only) | -122.5096% | 7,393 |
| Net charge-offs to loans | 8.9705% | 18 |
| Credit loss provision to net charge-offs | 107.1659% | 3,084 |
| Earnings coverage of net charge-offs (x) | -0.2384% | 5,738 |
| Efficiency ratio | 151.2809% | 133 |
| Assets per employee ($millions) | 3.8962% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9594% | 193 |
| Loan loss allowance to noncurrent loans | 54.2182% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 7.9133% | 563 |
| Noncurrent loans to loans | 9.1471% | 419 |
| Net loans and leases to total assets | 68.1508% | 2,452 |
| Net loans and leases to deposits | 73.1775% | 3,779 |
| Net loans and leases to core deposits | 86.9924% | 2,640 |
| Total domestic deposits to total assets | 93.1308% | 126 |
| Equity capital to assets | 6.5479% | 7,131 |
| Core capital (leverage) ratio | 6.7505% | 7,021 |
| Tier 1 risk-based capital ratio | 9.7987% | 7,007 |
| Total risk-based capital ratio | 11.1000% | 6,981 |
| Memoranda: | ||
| Average total assets | $97,296,250 | 5,002 |
| Average earning assets | $91,065,250 | 4,925 |
| Average equity | $7,507,250 | 5,745 |
| Average total loans | $73,632,000 | 4,395 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 5,754 |
| Cost of funding earning assets | 0.9692% | 4,176 |
| Net interest margin | 3.4142% | 5,507 |
| Noninterest income to average assets | 0.4174% | 4,533 |
| Noninterest expense to average assets | 4.5384% | 570 |
| Loan and lease loss provision to assets | 10.9048% | 2 |
| Net operating income to assets | -12.6630% | 7,508 |
| Return on assets (ROA) | -12.6630% | 7,508 |
| Pretax return on assets | -11.8240% | 7,505 |
| Return on Equity (ROE) | -156.2217% | 7,473 |
| Retained earnings to average equity (ytd only) | -156.2217% | 7,473 |
| Net charge-offs to loans | 13.2294% | 8 |
| Credit loss provision to net charge-offs | 107.0448% | 2,884 |
| Earnings coverage of net charge-offs (x) | -0.0902% | 5,339 |
| Efficiency ratio | 125.3977% | 293 |
| Assets per employee ($millions) | 3.7999% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9250% | 195 |
| Loan loss allowance to noncurrent loans | 52.8020% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 9.1329% | 458 |
| Noncurrent loans to loans | 9.3273% | 440 |
| Net loans and leases to total assets | 73.1979% | 1,556 |
| Net loans and leases to deposits | 79.6504% | 2,857 |
| Net loans and leases to core deposits | 98.3267% | 1,483 |
| Total domestic deposits to total assets | 91.8989% | 256 |
| Equity capital to assets | 7.8105% | 6,801 |
| Core capital (leverage) ratio | 7.2146% | 6,911 |
| Tier 1 risk-based capital ratio | 11.4204% | 6,236 |
| Total risk-based capital ratio | 12.7239% | 6,175 |
| Memoranda: | ||
| Average total assets | $97,259,670 | 5,039 |
| Average earning assets | $91,206,670 | 4,961 |
| Average equity | $7,883,670 | 5,654 |
| Average total loans | $74,893,670 | 4,393 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 5,018 |
| Cost of funding earning assets | 0.9699% | 4,421 |
| Net interest margin | 3.6135% | 4,512 |
| Noninterest income to average assets | 0.6461% | 2,868 |
| Noninterest expense to average assets | 4.3155% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3111% | 6,672 |
| Return on assets (ROA) | -0.3111% | 6,682 |
| Pretax return on assets | -0.3111% | 6,629 |
| Return on Equity (ROE) | -3.7754% | 6,723 |
| Retained earnings to average equity (ytd only) | -3.7754% | 6,389 |
| Net charge-offs to loans | 0.9322% | 1,433 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.4333% | 4,772 |
| Efficiency ratio | 107.7689% | 543 |
| Assets per employee ($millions) | 4.3074% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8526% | 469 |
| Loan loss allowance to noncurrent loans | 71.5787% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 5.8969% | 996 |
| Noncurrent loans to loans | 5.3823% | 1,220 |
| Net loans and leases to total assets | 70.7101% | 1,979 |
| Net loans and leases to deposits | 82.1187% | 2,340 |
| Net loans and leases to core deposits | 99.9535% | 1,343 |
| Total domestic deposits to total assets | 86.1072% | 3,458 |
| Equity capital to assets | 7.9621% | 6,534 |
| Core capital (leverage) ratio | 8.2593% | 5,885 |
| Tier 1 risk-based capital ratio | 11.7124% | 5,933 |
| Total risk-based capital ratio | 12.9987% | 5,903 |
| Memoranda: | ||
| Average total assets | $100,290,500 | 4,999 |
| Average earning assets | $93,205,000 | 4,937 |
| Average equity | $8,264,000 | 5,531 |
| Average total loans | $77,234,000 | 4,351 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 5,184 |
| Cost of funding earning assets | 1.2135% | 4,469 |
| Net interest margin | 3.6495% | 4,574 |
| Noninterest income to average assets | 0.1262% | 6,767 |
| Noninterest expense to average assets | 4.2016% | 902 |
| Loan and lease loss provision to assets | 2.2602% | 541 |
| Net operating income to assets | -2.9070% | 7,273 |
| Return on assets (ROA) | -2.8575% | 7,284 |
| Pretax return on assets | -2.8566% | 7,260 |
| Return on Equity (ROE) | -31.2513% | 7,250 |
| Retained earnings to average equity (ytd only) | -31.2513% | 7,238 |
| Net charge-offs to loans | 1.2939% | 1,723 |
| Credit loss provision to net charge-offs | 225.5597% | 1,318 |
| Earnings coverage of net charge-offs (x) | -0.6446% | 6,514 |
| Efficiency ratio | 118.1651% | 426 |
| Assets per employee ($millions) | 4.4184% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9635% | 420 |
| Loan loss allowance to noncurrent loans | 104.7860% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 5.2292% | 1,195 |
| Noncurrent loans to loans | 3.7825% | 1,955 |
| Net loans and leases to total assets | 77.4989% | 1,017 |
| Net loans and leases to deposits | 87.7351% | 1,833 |
| Net loans and leases to core deposits | 119.3284% | 551 |
| Total domestic deposits to total assets | 88.3328% | 2,048 |
| Equity capital to assets | 8.5357% | 5,807 |
| Core capital (leverage) ratio | 8.2381% | 5,773 |
| Tier 1 risk-based capital ratio | 11.7184% | 5,711 |
| Total risk-based capital ratio | 13.0079% | 5,687 |
| Memoranda: | ||
| Average total assets | $106,981,800 | 4,805 |
| Average earning assets | $100,534,600 | 4,712 |
| Average equity | $9,782,000 | 5,192 |
| Average total loans | $82,852,200 | 4,250 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 5,287 |
| Cost of funding earning assets | 1.2666% | 4,456 |
| Net interest margin | 3.6292% | 4,730 |
| Noninterest income to average assets | 0.0512% | 7,261 |
| Noninterest expense to average assets | 3.9234% | 1,170 |
| Loan and lease loss provision to assets | 2.7025% | 363 |
| Net operating income to assets | -3.1582% | 7,474 |
| Return on assets (ROA) | -3.0936% | 7,478 |
| Pretax return on assets | -3.0924% | 7,440 |
| Return on Equity (ROE) | -33.3415% | 7,434 |
| Retained earnings to average equity (ytd only) | -33.3415% | 7,429 |
| Net charge-offs to loans | 1.2244% | 1,670 |
| Credit loss provision to net charge-offs | 287.6783% | 1,122 |
| Earnings coverage of net charge-offs (x) | -0.4838% | 6,315 |
| Efficiency ratio | 113.1015% | 478 |
| Assets per employee ($millions) | 5.2551% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0844% | 338 |
| Loan loss allowance to noncurrent loans | 153.0029% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 4.3667% | 1,556 |
| Noncurrent loans to loans | 2.6695% | 2,962 |
| Net loans and leases to total assets | 75.4973% | 1,493 |
| Net loans and leases to deposits | 84.0827% | 2,689 |
| Net loans and leases to core deposits | 111.2290% | 970 |
| Total domestic deposits to total assets | 89.7893% | 972 |
| Equity capital to assets | 8.8106% | 5,848 |
| Core capital (leverage) ratio | 8.3499% | 5,787 |
| Tier 1 risk-based capital ratio | 12.3085% | 5,175 |
| Total risk-based capital ratio | 13.5999% | 5,093 |
| Memoranda: | ||
| Average total assets | $109,426,250 | 4,787 |
| Average earning assets | $103,051,750 | 4,693 |
| Average equity | $10,153,250 | 5,147 |
| Average total loans | $83,955,000 | 4,286 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 5,482 |
| Cost of funding earning assets | 1.3305% | 4,330 |
| Net interest margin | 3.5506% | 5,044 |
| Noninterest income to average assets | 0.1438% | 6,866 |
| Noninterest expense to average assets | 3.6459% | 1,670 |
| Loan and lease loss provision to assets | 3.9389% | 199 |
| Net operating income to assets | -4.0970% | 7,634 |
| Return on assets (ROA) | -4.0029% | 7,629 |
| Pretax return on assets | -4.0011% | 7,601 |
| Return on Equity (ROE) | -42.5069% | 7,550 |
| Retained earnings to average equity (ytd only) | -42.5069% | 7,542 |
| Net charge-offs to loans | 1.8217% | 1,020 |
| Credit loss provision to net charge-offs | 283.9949% | 1,307 |
| Earnings coverage of net charge-offs (x) | -0.1127% | 5,811 |
| Efficiency ratio | 104.4784% | 671 |
| Assets per employee ($millions) | 5.4243% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7749% | 442 |
| Loan loss allowance to noncurrent loans | 568.3837% | 572 |
| Noncurrent assets plus other real estate owned to assets | 2.7135% | 2,662 |
| Noncurrent loans to loans | 0.6641% | 5,924 |
| Net loans and leases to total assets | 71.6100% | 2,510 |
| Net loans and leases to deposits | 79.2860% | 3,739 |
| Net loans and leases to core deposits | 119.3955% | 715 |
| Total domestic deposits to total assets | 90.3187% | 756 |
| Equity capital to assets | 8.0028% | 6,752 |
| Core capital (leverage) ratio | 8.3170% | 5,731 |
| Tier 1 risk-based capital ratio | 11.8125% | 5,479 |
| Total risk-based capital ratio | 13.0987% | 5,416 |
| Memoranda: | ||
| Average total assets | $112,619,670 | 4,737 |
| Average earning assets | $106,124,000 | 4,640 |
| Average equity | $10,605,330 | 5,027 |
| Average total loans | $85,743,000 | 4,261 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8925% | 5,498 |
| Cost of funding earning assets | 1.4989% | 3,564 |
| Net interest margin | 3.3935% | 5,608 |
| Noninterest income to average assets | 0.2072% | 6,479 |
| Noninterest expense to average assets | 3.5472% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1536% | 6,487 |
| Return on assets (ROA) | 0.0357% | 6,319 |
| Pretax return on assets | 0.0357% | 6,289 |
| Return on Equity (ROE) | 0.3524% | 6,320 |
| Retained earnings to average equity (ytd only) | 0.3524% | 5,696 |
| Net charge-offs to loans | 0.0928% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -2.1500% | 5,481 |
| Efficiency ratio | 104.5263% | 708 |
| Assets per employee ($millions) | 4.5224% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 2,122 |
| Loan loss allowance to noncurrent loans | 154.6584% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 4.1608% | 1,634 |
| Noncurrent loans to loans | 1.3082% | 4,794 |
| Net loans and leases to total assets | 77.7682% | 1,196 |
| Net loans and leases to deposits | 87.1605% | 2,384 |
| Net loans and leases to core deposits | 128.0345% | 534 |
| Total domestic deposits to total assets | 89.2241% | 1,406 |
| Equity capital to assets | 10.4535% | 3,292 |
| Core capital (leverage) ratio | 9.8633% | 3,324 |
| Tier 1 risk-based capital ratio | 13.8667% | 3,752 |
| Total risk-based capital ratio | 15.1280% | 3,706 |
| Memoranda: | ||
| Average total assets | $111,974,500 | 4,823 |
| Average earning assets | $105,141,500 | 4,733 |
| Average equity | $11,350,000 | 4,885 |
| Average total loans | $86,229,000 | 4,314 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9557% | 6,566 |
| Cost of funding earning assets | 1.7594% | 4,203 |
| Net interest margin | 3.1963% | 6,112 |
| Noninterest income to average assets | 0.4637% | 4,687 |
| Noninterest expense to average assets | 5.0227% | 511 |
| Loan and lease loss provision to assets | 1.9769% | 1,099 |
| Net operating income to assets | -3.6503% | 7,543 |
| Return on assets (ROA) | -3.4453% | 7,500 |
| Pretax return on assets | -3.4444% | 7,403 |
| Return on Equity (ROE) | -27.9982% | 7,363 |
| Retained earnings to average equity (ytd only) | -27.9982% | 7,345 |
| Net charge-offs to loans | 2.8924% | 750 |
| Credit loss provision to net charge-offs | 89.2021% | 6,026 |
| Earnings coverage of net charge-offs (x) | -0.7547% | 6,830 |
| Efficiency ratio | 149.9212% | 314 |
| Assets per employee ($millions) | 4.8088% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 1,931 |
| Loan loss allowance to noncurrent loans | 222.0403% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 4.3705% | 1,485 |
| Noncurrent loans to loans | 0.9200% | 5,473 |
| Net loans and leases to total assets | 73.2547% | 2,438 |
| Net loans and leases to deposits | 81.6078% | 3,676 |
| Net loans and leases to core deposits | 130.6405% | 1,247 |
| Total domestic deposits to total assets | 89.7644% | 1,074 |
| Equity capital to assets | 9.8379% | 3,957 |
| Core capital (leverage) ratio | 9.1497% | 4,198 |
| Tier 1 risk-based capital ratio | 12.8741% | 4,226 |
| Total risk-based capital ratio | 14.1335% | 4,175 |
| Memoranda: | ||
| Average total assets | $113,663,200 | 4,735 |
| Average earning assets | $102,650,200 | 4,772 |
| Average equity | $13,986,600 | 4,254 |
| Average total loans | $87,089,000 | 4,300 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 6,656 |
| Cost of funding earning assets | 1.7297% | 4,744 |
| Net interest margin | 3.2513% | 5,826 |
| Noninterest income to average assets | 0.2661% | 6,327 |
| Noninterest expense to average assets | 4.2427% | 985 |
| Loan and lease loss provision to assets | 1.6486% | 1,138 |
| Net operating income to assets | -2.7178% | 7,519 |
| Return on assets (ROA) | -2.4434% | 7,446 |
| Pretax return on assets | -2.4423% | 7,325 |
| Return on Equity (ROE) | -18.8914% | 7,336 |
| Retained earnings to average equity (ytd only) | -18.8914% | 7,301 |
| Net charge-offs to loans | 3.2414% | 499 |
| Credit loss provision to net charge-offs | 65.9755% | 6,065 |
| Earnings coverage of net charge-offs (x) | -0.4274% | 6,446 |
| Efficiency ratio | 133.6424% | 432 |
| Assets per employee ($millions) | 4.7670% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 3,295 |
| Loan loss allowance to noncurrent loans | 30.6829% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 8.0965% | 523 |
| Noncurrent loans to loans | 4.9775% | 1,336 |
| Net loans and leases to total assets | 73.9422% | 2,542 |
| Net loans and leases to deposits | 88.4090% | 2,887 |
| Net loans and leases to core deposits | 195.8172% | 113 |
| Total domestic deposits to total assets | 83.6365% | 3,887 |
| Equity capital to assets | 11.5115% | 2,575 |
| Core capital (leverage) ratio | 11.7182% | 1,961 |
| Tier 1 risk-based capital ratio | 14.1446% | 3,471 |
| Total risk-based capital ratio | 15.3764% | 3,420 |
| Memoranda: | ||
| Average total assets | $113,226,250 | 4,777 |
| Average earning assets | $101,289,250 | 4,838 |
| Average equity | $14,644,750 | 4,158 |
| Average total loans | $87,284,500 | 4,331 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 7,212 |
| Cost of funding earning assets | 1.7249% | 5,153 |
| Net interest margin | 3.0830% | 6,301 |
| Noninterest income to average assets | 0.3173% | 5,967 |
| Noninterest expense to average assets | 3.8021% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.6239% | 6,679 |
| Return on assets (ROA) | -0.2836% | 6,325 |
| Pretax return on assets | -0.2836% | 6,221 |
| Return on Equity (ROE) | -2.1141% | 6,240 |
| Retained earnings to average equity (ytd only) | -2.1141% | 5,773 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6319% | 674 |
| Assets per employee ($millions) | 4.3012% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2603% | 1,152 |
| Loan loss allowance to noncurrent loans | 36.7329% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 7.9406% | 479 |
| Noncurrent loans to loans | 6.1532% | 884 |
| Net loans and leases to total assets | 78.6893% | 1,594 |
| Net loans and leases to deposits | 96.1895% | 1,768 |
| Net loans and leases to core deposits | 205.3365% | 105 |
| Total domestic deposits to total assets | 81.8065% | 4,769 |
| Equity capital to assets | 13.4399% | 1,516 |
| Core capital (leverage) ratio | 12.9527% | 1,446 |
| Tier 1 risk-based capital ratio | 16.0464% | 2,609 |
| Total risk-based capital ratio | 17.3083% | 2,546 |
| Memoranda: | ||
| Average total assets | $112,832,670 | 4,806 |
| Average earning assets | $104,704,000 | 4,764 |
| Average equity | $15,136,330 | 4,093 |
| Average total loans | $87,743,670 | 4,340 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 7,538 |
| Cost of funding earning assets | 1.7194% | 5,519 |
| Net interest margin | 2.9593% | 6,588 |
| Noninterest income to average assets | 0.2259% | 6,657 |
| Noninterest expense to average assets | 3.6212% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.6071% | 6,973 |
| Return on assets (ROA) | -0.6071% | 7,014 |
| Pretax return on assets | -0.6071% | 6,910 |
| Return on Equity (ROE) | -4.5294% | 6,940 |
| Retained earnings to average equity (ytd only) | -4.5294% | 6,491 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.1405% | 630 |
| Assets per employee ($millions) | 4.9979% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3066% | 939 |
| Loan loss allowance to noncurrent loans | 44.9624% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 5.5982% | 749 |
| Noncurrent loans to loans | 5.1300% | 1,055 |
| Net loans and leases to total assets | 71.8564% | 3,274 |
| Net loans and leases to deposits | 86.5658% | 3,541 |
| Net loans and leases to core deposits | 179.5496% | 241 |
| Total domestic deposits to total assets | 83.0078% | 4,144 |
| Equity capital to assets | 12.5887% | 1,929 |
| Core capital (leverage) ratio | 12.8363% | 1,541 |
| Tier 1 risk-based capital ratio | 16.2146% | 2,605 |
| Total risk-based capital ratio | 17.4769% | 2,548 |
| Memoranda: | ||
| Average total assets | $113,333,500 | 4,818 |
| Average earning assets | $106,782,000 | 4,724 |
| Average equity | $15,189,500 | 4,108 |
| Average total loans | $86,598,500 | 4,407 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 7,219 |
| Cost of funding earning assets | 2.3459% | 4,942 |
| Net interest margin | 3.1883% | 6,395 |
| Noninterest income to average assets | 0.0535% | 7,874 |
| Noninterest expense to average assets | 3.8491% | 1,663 |
| Loan and lease loss provision to assets | 1.7444% | 732 |
| Net operating income to assets | -2.3420% | 7,665 |
| Return on assets (ROA) | -2.2182% | 7,610 |
| Pretax return on assets | -2.3789% | 7,555 |
| Return on Equity (ROE) | -15.7725% | 7,618 |
| Retained earnings to average equity (ytd only) | -15.7725% | 7,503 |
| Net charge-offs to loans | 1.3689% | 860 |
| Credit loss provision to net charge-offs | 179.1667% | 2,819 |
| Earnings coverage of net charge-offs (x) | -0.7883% | 6,558 |
| Efficiency ratio | 124.9078% | 515 |
| Assets per employee ($millions) | 4.2687% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3949% | 766 |
| Loan loss allowance to noncurrent loans | 98.9305% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 3.9778% | 1,038 |
| Noncurrent loans to loans | 2.4208% | 2,265 |
| Net loans and leases to total assets | 77.7151% | 2,214 |
| Net loans and leases to deposits | 97.4457% | 2,209 |
| Net loans and leases to core deposits | 160.9002% | 555 |
| Total domestic deposits to total assets | 79.7522% | 5,113 |
| Equity capital to assets | 14.3172% | 1,345 |
| Core capital (leverage) ratio | 13.3742% | 1,424 |
| Tier 1 risk-based capital ratio | 16.8093% | 2,384 |
| Total risk-based capital ratio | 18.0724% | 2,312 |
| Memoranda: | ||
| Average total assets | $123,251,000 | 4,439 |
| Average earning assets | $117,053,200 | 4,339 |
| Average equity | $17,334,000 | 3,679 |
| Average total loans | $87,659,800 | 4,298 |