Home > Coastal Carolina National Bank > Performance and Condition Ratios
Coastal Carolina National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 2,069 |
| Cost of funding earning assets | 1.5821% | 1,738 |
| Net interest margin | 3.4188% | 2,364 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.1228% | 3,346 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0156% | 2,165 |
| Return on assets (ROA) | 1.0153% | 2,151 |
| Pretax return on assets | 1.2764% | 1,941 |
| Return on Equity (ROE) | 11.7600% | 2,018 |
| Retained earnings to average equity (ytd only) | 11.7612% | 660 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.4087% | 2,920 |
| Assets per employee ($millions) | 9.5496% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 3,202 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 80.7900% | 554 |
| Net loans and leases to deposits | 90.9722% | 1,186 |
| Net loans and leases to core deposits | 95.4795% | 1,684 |
| Total domestic deposits to total assets | 88.8100% | 1,119 |
| Equity capital to assets | 8.8296% | 2,799 |
| Core capital (leverage) ratio | 9.1862% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4414% | 2,435 |
| Memoranda: | ||
| Average total assets | $890,093,400 | 1,095 |
| Average earning assets | $842,506,400 | 1,067 |
| Average equity | $76,837,400 | 1,165 |
| Average total loans | $715,825,400 | 934 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 2,077 |
| Cost of funding earning assets | 1.4159% | 1,819 |
| Net interest margin | 3.4753% | 2,267 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.1367% | 3,243 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0357% | 2,260 |
| Return on assets (ROA) | 1.0352% | 2,252 |
| Pretax return on assets | 1.2997% | 2,043 |
| Return on Equity (ROE) | 12.0700% | 2,107 |
| Retained earnings to average equity (ytd only) | 12.0652% | 961 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.9549% | 2,845 |
| Assets per employee ($millions) | 8.9845% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,162 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 80.8300% | 560 |
| Net loans and leases to deposits | 89.3687% | 1,280 |
| Net loans and leases to core deposits | 94.0597% | 1,673 |
| Total domestic deposits to total assets | 90.4400% | 830 |
| Equity capital to assets | 8.4245% | 2,770 |
| Core capital (leverage) ratio | 9.1271% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1569% | 2,569 |
| Memoranda: | ||
| Average total assets | $878,651,750 | 1,109 |
| Average earning assets | $831,092,000 | 1,083 |
| Average equity | $75,388,500 | 1,172 |
| Average total loans | $703,801,500 | 948 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 2,103 |
| Cost of funding earning assets | 1.2413% | 1,876 |
| Net interest margin | 3.5090% | 2,243 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.1345% | 3,253 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0538% | 2,252 |
| Return on assets (ROA) | 1.0530% | 2,251 |
| Pretax return on assets | 1.3228% | 2,011 |
| Return on Equity (ROE) | 12.2000% | 2,091 |
| Retained earnings to average equity (ytd only) | 12.1952% | 948 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.3733% | 2,916 |
| Assets per employee ($millions) | 9.4531% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,260 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.9000% | 638 |
| Net loans and leases to deposits | 91.1387% | 1,094 |
| Net loans and leases to core deposits | 95.4032% | 1,500 |
| Total domestic deposits to total assets | 87.6600% | 1,721 |
| Equity capital to assets | 8.4443% | 2,907 |
| Core capital (leverage) ratio | 9.2102% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9228% | 2,650 |
| Memoranda: | ||
| Average total assets | $866,062,000 | 1,108 |
| Average earning assets | $818,799,667 | 1,088 |
| Average equity | $74,783,333 | 1,172 |
| Average total loans | $688,913,333 | 954 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 2,061 |
| Cost of funding earning assets | 0.9738% | 2,137 |
| Net interest margin | 3.6372% | 2,039 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.1766% | 3,161 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1126% | 2,185 |
| Return on assets (ROA) | 1.1115% | 2,154 |
| Pretax return on assets | 1.3935% | 1,897 |
| Return on Equity (ROE) | 12.7200% | 2,042 |
| Retained earnings to average equity (ytd only) | 12.7215% | 1,138 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.7941% | 2,982 |
| Assets per employee ($millions) | 9.2246% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,171 |
| 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 | 78.2000% | 744 |
| Net loans and leases to deposits | 87.9174% | 1,212 |
| Net loans and leases to core deposits | 91.7668% | 1,515 |
| Total domestic deposits to total assets | 88.9400% | 1,567 |
| Equity capital to assets | 8.6754% | 2,760 |
| Core capital (leverage) ratio | 9.3867% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1653% | 2,673 |
| Memoranda: | ||
| Average total assets | $845,342,500 | 1,144 |
| Average earning assets | $798,957,000 | 1,115 |
| Average equity | $73,859,000 | 1,197 |
| Average total loans | $667,042,500 | 1,003 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9179% | 1,944 |
| Cost of funding earning assets | 0.2974% | 2,896 |
| Net interest margin | 3.6205% | 1,588 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.2585% | 2,865 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.0135% | 2,515 |
| Return on assets (ROA) | 1.0135% | 2,463 |
| Pretax return on assets | 1.2488% | 2,281 |
| Return on Equity (ROE) | 11.8100% | 2,212 |
| Retained earnings to average equity (ytd only) | 11.8092% | 710 |
| Net charge-offs to loans | -0.0069% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.7438% | 2,949 |
| Assets per employee ($millions) | 8.4904% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,243 |
| 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 | 77.9500% | 800 |
| Net loans and leases to deposits | 86.0484% | 1,310 |
| Net loans and leases to core deposits | 89.8080% | 1,512 |
| Total domestic deposits to total assets | 90.5900% | 1,115 |
| Equity capital to assets | 8.8022% | 2,489 |
| Core capital (leverage) ratio | 9.4270% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9963% | 2,737 |
| Memoranda: | ||
| Average total assets | $795,789,800 | 1,190 |
| Average earning assets | $752,797,600 | 1,168 |
| Average equity | $68,294,200 | 1,276 |
| Average total loans | $552,430,400 | 1,099 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6783% | 2,105 |
| Cost of funding earning assets | 0.2297% | 2,932 |
| Net interest margin | 3.4487% | 1,811 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.2307% | 2,844 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.9284% | 2,764 |
| Return on assets (ROA) | 0.9284% | 2,731 |
| Pretax return on assets | 1.1478% | 2,563 |
| Return on Equity (ROE) | 10.8900% | 2,422 |
| Retained earnings to average equity (ytd only) | 10.8913% | 1,083 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.4330% | 2,775 |
| Assets per employee ($millions) | 8.2896% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,379 |
| Loan loss allowance to noncurrent loans | 1,457.4163% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,362 |
| Noncurrent loans to loans | 0.0701% | 3,373 |
| Net loans and leases to total assets | 73.4100% | 1,144 |
| Net loans and leases to deposits | 81.2763% | 1,499 |
| Net loans and leases to core deposits | 84.8411% | 1,598 |
| Total domestic deposits to total assets | 90.3200% | 1,517 |
| Equity capital to assets | 8.4495% | 2,580 |
| Core capital (leverage) ratio | 9.1538% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2598% | 2,726 |
| Memoranda: | ||
| Average total assets | $788,845,000 | 1,202 |
| Average earning assets | $746,514,750 | 1,178 |
| Average equity | $67,244,750 | 1,305 |
| Average total loans | $528,377,750 | 1,128 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 2,403 |
| Cost of funding earning assets | 0.2179% | 2,661 |
| Net interest margin | 3.1917% | 2,214 |
| Noninterest income to average assets | 0.3085% | 3,314 |
| Noninterest expense to average assets | 2.1810% | 2,917 |
| Loan and lease loss provision to assets | 0.1340% | 714 |
| Net operating income to assets | 0.8296% | 2,855 |
| Return on assets (ROA) | 0.8296% | 2,829 |
| Pretax return on assets | 1.0131% | 2,678 |
| Return on Equity (ROE) | 9.7027% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.7027% | 1,100 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3121% | 2,606 |
| Assets per employee ($millions) | 8.6035% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,586 |
| Loan loss allowance to noncurrent loans | 1,324.6411% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,465 |
| Noncurrent loans to loans | 0.0756% | 3,418 |
| Net loans and leases to total assets | 68.3911% | 1,448 |
| Net loans and leases to deposits | 75.5010% | 1,728 |
| Net loans and leases to core deposits | 78.7651% | 1,795 |
| Total domestic deposits to total assets | 90.5830% | 1,423 |
| Equity capital to assets | 8.2515% | 2,942 |
| Core capital (leverage) ratio | 8.6415% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4087% | 2,699 |
| Memoranda: | ||
| Average total assets | $783,762,000 | 1,205 |
| Average earning assets | $741,487,667 | 1,198 |
| Average equity | $67,012,333 | 1,326 |
| Average total loans | $505,710,667 | 1,161 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2063% | 2,672 |
| Cost of funding earning assets | 0.2228% | 2,492 |
| Net interest margin | 2.9835% | 2,556 |
| Noninterest income to average assets | 0.3027% | 3,297 |
| Noninterest expense to average assets | 2.1316% | 3,042 |
| Loan and lease loss provision to assets | 0.0387% | 1,667 |
| Net operating income to assets | 0.7886% | 2,704 |
| Return on assets (ROA) | 0.7886% | 2,701 |
| Pretax return on assets | 0.9572% | 2,584 |
| Return on Equity (ROE) | 9.0598% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.0598% | 1,257 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9090% | 2,519 |
| Assets per employee ($millions) | 8.1789% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,621 |
| Loan loss allowance to noncurrent loans | 1,216.9856% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 3,515 |
| Noncurrent loans to loans | 0.0841% | 3,418 |
| Net loans and leases to total assets | 62.0173% | 1,857 |
| Net loans and leases to deposits | 68.2827% | 2,123 |
| Net loans and leases to core deposits | 71.4679% | 2,159 |
| Total domestic deposits to total assets | 90.8244% | 1,128 |
| Equity capital to assets | 8.6714% | 3,005 |
| Core capital (leverage) ratio | 8.6988% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5149% | 2,410 |
| Memoranda: | ||
| Average total assets | $775,578,000 | 1,222 |
| Average earning assets | $734,305,500 | 1,206 |
| Average equity | $67,507,000 | 1,364 |
| Average total loans | $482,188,500 | 1,194 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5545% | 2,502 |
| Cost of funding earning assets | 0.3320% | 2,100 |
| Net interest margin | 3.2224% | 2,548 |
| Noninterest income to average assets | 0.7238% | 1,682 |
| Noninterest expense to average assets | 2.4363% | 2,372 |
| Loan and lease loss provision to assets | 0.1060% | 1,191 |
| Net operating income to assets | 0.9852% | 2,735 |
| Return on assets (ROA) | 0.9852% | 2,802 |
| Pretax return on assets | 1.2191% | 2,601 |
| Return on Equity (ROE) | 10.9528% | 2,180 |
| Retained earnings to average equity (ytd only) | 10.9528% | 709 |
| Net charge-offs to loans | 0.0004% | 2,687 |
| Credit loss provision to net charge-offs | 36,600.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 4,574.5000% | 26 |
| Efficiency ratio | 64.5077% | 2,480 |
| Assets per employee ($millions) | 8.5146% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,473 |
| Loan loss allowance to noncurrent loans | 1,199.0431% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,592 |
| Noncurrent loans to loans | 0.0895% | 3,485 |
| Net loans and leases to total assets | 61.0002% | 2,057 |
| Net loans and leases to deposits | 67.2812% | 2,381 |
| Net loans and leases to core deposits | 71.0525% | 2,350 |
| Total domestic deposits to total assets | 90.6646% | 633 |
| Equity capital to assets | 8.7383% | 3,853 |
| Core capital (leverage) ratio | 8.1714% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2346% | 2,549 |
| Memoranda: | ||
| Average total assets | $690,403,200 | 1,299 |
| Average earning assets | $650,811,800 | 1,290 |
| Average equity | $62,103,000 | 1,474 |
| Average total loans | $451,526,000 | 1,260 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 2,517 |
| Cost of funding earning assets | 0.3598% | 2,024 |
| Net interest margin | 3.2539% | 2,568 |
| Noninterest income to average assets | 0.7938% | 1,544 |
| Noninterest expense to average assets | 2.4766% | 2,192 |
| Loan and lease loss provision to assets | 0.1308% | 884 |
| Net operating income to assets | 0.9862% | 2,963 |
| Return on assets (ROA) | 0.9862% | 3,040 |
| Pretax return on assets | 1.2491% | 2,775 |
| Return on Equity (ROE) | 10.8762% | 2,408 |
| Retained earnings to average equity (ytd only) | 10.8762% | 1,087 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9462% | 2,394 |
| Assets per employee ($millions) | 8.1514% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 3,577 |
| Loan loss allowance to noncurrent loans | 1,176.9048% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 3,739 |
| Noncurrent loans to loans | 0.0909% | 3,623 |
| Net loans and leases to total assets | 62.2903% | 1,976 |
| Net loans and leases to deposits | 68.8384% | 2,352 |
| Net loans and leases to core deposits | 72.9311% | 2,324 |
| Total domestic deposits to total assets | 90.4878% | 571 |
| Equity capital to assets | 8.8335% | 3,976 |
| Core capital (leverage) ratio | 8.2185% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2121% | 2,642 |
| Memoranda: | ||
| Average total assets | $673,553,500 | 1,334 |
| Average earning assets | $633,967,500 | 1,330 |
| Average equity | $61,074,000 | 1,516 |
| Average total loans | $447,589,250 | 1,289 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 2,389 |
| Cost of funding earning assets | 0.3893% | 1,975 |
| Net interest margin | 3.2916% | 2,464 |
| Noninterest income to average assets | 0.8431% | 1,413 |
| Noninterest expense to average assets | 2.5606% | 1,963 |
| Loan and lease loss provision to assets | 0.1435% | 842 |
| Net operating income to assets | 0.9796% | 2,963 |
| Return on assets (ROA) | 0.9796% | 3,053 |
| Pretax return on assets | 1.2367% | 2,813 |
| Return on Equity (ROE) | 10.7003% | 2,529 |
| Retained earnings to average equity (ytd only) | 10.7003% | 1,194 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7045% | 2,335 |
| Assets per employee ($millions) | 7.8492% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,730 |
| Loan loss allowance to noncurrent loans | 1,131.1905% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,833 |
| Noncurrent loans to loans | 0.0909% | 3,721 |
| Net loans and leases to total assets | 64.7164% | 1,866 |
| Net loans and leases to deposits | 71.6796% | 2,240 |
| Net loans and leases to core deposits | 75.5802% | 2,281 |
| Total domestic deposits to total assets | 90.2857% | 652 |
| Equity capital to assets | 8.9108% | 3,877 |
| Core capital (leverage) ratio | 8.3715% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2389% | 2,633 |
| Memoranda: | ||
| Average total assets | $653,529,333 | 1,359 |
| Average earning assets | $615,023,000 | 1,353 |
| Average equity | $59,830,333 | 1,530 |
| Average total loans | $442,812,000 | 1,305 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7784% | 2,162 |
| Cost of funding earning assets | 0.4198% | 1,940 |
| Net interest margin | 3.3587% | 2,222 |
| Noninterest income to average assets | 0.8101% | 1,557 |
| Noninterest expense to average assets | 2.6102% | 1,860 |
| Loan and lease loss provision to assets | 0.1346% | 1,005 |
| Net operating income to assets | 0.9747% | 2,887 |
| Return on assets (ROA) | 0.9747% | 2,981 |
| Pretax return on assets | 1.2298% | 2,762 |
| Return on Equity (ROE) | 10.4888% | 2,535 |
| Retained earnings to average equity (ytd only) | 10.4888% | 1,518 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3828% | 2,320 |
| Assets per employee ($millions) | 7.2552% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,790 |
| Loan loss allowance to noncurrent loans | 1,069.7619% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,917 |
| Noncurrent loans to loans | 0.0948% | 3,832 |
| Net loans and leases to total assets | 67.1958% | 1,640 |
| Net loans and leases to deposits | 74.6151% | 2,057 |
| Net loans and leases to core deposits | 79.1392% | 2,082 |
| Total domestic deposits to total assets | 90.0566% | 796 |
| Equity capital to assets | 9.0532% | 3,628 |
| Core capital (leverage) ratio | 8.5248% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1442% | 2,611 |
| Memoranda: | ||
| Average total assets | $627,081,500 | 1,396 |
| Average earning assets | $590,825,000 | 1,383 |
| Average equity | $58,271,500 | 1,555 |
| Average total loans | $433,256,000 | 1,320 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 1,796 |
| Cost of funding earning assets | 0.7674% | 1,357 |
| Net interest margin | 3.5551% | 2,295 |
| Noninterest income to average assets | 0.7541% | 1,675 |
| Noninterest expense to average assets | 2.7722% | 2,016 |
| Loan and lease loss provision to assets | 0.3192% | 1,155 |
| Net operating income to assets | 0.7855% | 3,151 |
| Return on assets (ROA) | 0.7913% | 3,242 |
| Pretax return on assets | 0.9966% | 3,052 |
| Return on Equity (ROE) | 8.1220% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.1220% | 1,017 |
| Net charge-offs to loans | 0.0744% | 1,743 |
| Credit loss provision to net charge-offs | 574.8299% | 1,137 |
| Earnings coverage of net charge-offs (x) | 23.5646% | 1,800 |
| Efficiency ratio | 67.5614% | 2,286 |
| Assets per employee ($millions) | 7.2433% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,825 |
| Loan loss allowance to noncurrent loans | 462.9189% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 3,511 |
| Noncurrent loans to loans | 0.2185% | 3,420 |
| Net loans and leases to total assets | 69.6895% | 1,600 |
| Net loans and leases to deposits | 77.7827% | 2,097 |
| Net loans and leases to core deposits | 83.1642% | 2,110 |
| Total domestic deposits to total assets | 89.5951% | 733 |
| Equity capital to assets | 9.5524% | 3,558 |
| Core capital (leverage) ratio | 8.6620% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1579% | 2,565 |
| Memoranda: | ||
| Average total assets | $529,514,400 | 1,473 |
| Average earning assets | $495,455,800 | 1,467 |
| Average equity | $51,588,000 | 1,643 |
| Average total loans | $395,297,600 | 1,374 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4412% | 1,732 |
| Cost of funding earning assets | 0.8545% | 1,235 |
| Net interest margin | 3.5867% | 2,317 |
| Noninterest income to average assets | 0.6627% | 1,934 |
| Noninterest expense to average assets | 2.7393% | 2,145 |
| Loan and lease loss provision to assets | 0.3622% | 1,031 |
| Net operating income to assets | 0.7170% | 3,402 |
| Return on assets (ROA) | 0.7250% | 3,474 |
| Pretax return on assets | 0.9200% | 3,325 |
| Return on Equity (ROE) | 7.3996% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.3996% | 1,535 |
| Net charge-offs to loans | 0.1009% | 1,304 |
| Credit loss provision to net charge-offs | 472.7891% | 1,329 |
| Earnings coverage of net charge-offs (x) | 16.6020% | 2,052 |
| Efficiency ratio | 67.8794% | 2,209 |
| Assets per employee ($millions) | 7.0001% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 3,928 |
| Loan loss allowance to noncurrent loans | 427.2532% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 3,608 |
| Noncurrent loans to loans | 0.2201% | 3,509 |
| Net loans and leases to total assets | 73.0674% | 1,491 |
| Net loans and leases to deposits | 81.5339% | 2,145 |
| Net loans and leases to core deposits | 87.5621% | 2,183 |
| Total domestic deposits to total assets | 89.6160% | 545 |
| Equity capital to assets | 9.5062% | 3,680 |
| Core capital (leverage) ratio | 8.7149% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6906% | 2,729 |
| Memoranda: | ||
| Average total assets | $511,593,500 | 1,494 |
| Average earning assets | $477,638,500 | 1,489 |
| Average equity | $50,127,750 | 1,680 |
| Average total loans | $388,308,500 | 1,391 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 1,700 |
| Cost of funding earning assets | 0.9438% | 1,174 |
| Net interest margin | 3.6331% | 2,366 |
| Noninterest income to average assets | 0.5685% | 2,263 |
| Noninterest expense to average assets | 2.7389% | 2,258 |
| Loan and lease loss provision to assets | 0.4014% | 1,004 |
| Net operating income to assets | 0.6390% | 3,615 |
| Return on assets (ROA) | 0.6516% | 3,667 |
| Pretax return on assets | 0.8276% | 3,514 |
| Return on Equity (ROE) | 6.5737% | 3,301 |
| Retained earnings to average equity (ytd only) | 6.5737% | 1,836 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8699% | 2,109 |
| Assets per employee ($millions) | 6.9580% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 3,742 |
| Loan loss allowance to noncurrent loans | 248.1410% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 3,186 |
| Noncurrent loans to loans | 0.3885% | 3,013 |
| Net loans and leases to total assets | 72.3487% | 1,644 |
| Net loans and leases to deposits | 80.9637% | 2,317 |
| Net loans and leases to core deposits | 86.9104% | 2,360 |
| Total domestic deposits to total assets | 89.3595% | 623 |
| Equity capital to assets | 9.6305% | 3,540 |
| Core capital (leverage) ratio | 9.2385% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9973% | 2,614 |
| Memoranda: | ||
| Average total assets | $490,789,333 | 1,526 |
| Average earning assets | $457,073,000 | 1,518 |
| Average equity | $48,648,333 | 1,712 |
| Average total loans | $376,613,667 | 1,408 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 1,730 |
| Cost of funding earning assets | 1.0715% | 1,134 |
| Net interest margin | 3.6224% | 2,597 |
| Noninterest income to average assets | 0.4907% | 2,597 |
| Noninterest expense to average assets | 2.7892% | 2,460 |
| Loan and lease loss provision to assets | 0.1864% | 1,606 |
| Net operating income to assets | 0.6841% | 3,326 |
| Return on assets (ROA) | 0.6841% | 3,393 |
| Pretax return on assets | 0.8714% | 3,219 |
| Return on Equity (ROE) | 6.7865% | 3,031 |
| Retained earnings to average equity (ytd only) | 6.7865% | 1,615 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0307% | 2,072 |
| Assets per employee ($millions) | 6.1205% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 4,332 |
| Loan loss allowance to noncurrent loans | 197.8941% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 3,134 |
| Noncurrent loans to loans | 0.4203% | 2,986 |
| Net loans and leases to total assets | 77.4413% | 1,058 |
| Net loans and leases to deposits | 86.9396% | 1,879 |
| Net loans and leases to core deposits | 94.8669% | 1,894 |
| Total domestic deposits to total assets | 89.0747% | 629 |
| Equity capital to assets | 9.8917% | 3,888 |
| Core capital (leverage) ratio | 9.3548% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9303% | 3,123 |
| Memoranda: | ||
| Average total assets | $461,343,500 | 1,564 |
| Average earning assets | $427,448,500 | 1,568 |
| Average equity | $46,504,000 | 1,776 |
| Average total loans | $364,141,500 | 1,406 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8077% | 2,023 |
| Cost of funding earning assets | 1.1234% | 1,248 |
| Net interest margin | 3.6843% | 2,852 |
| Noninterest income to average assets | 0.4666% | 2,921 |
| Noninterest expense to average assets | 2.8211% | 2,535 |
| Loan and lease loss provision to assets | 0.1706% | 1,223 |
| Net operating income to assets | 0.6998% | 3,869 |
| Return on assets (ROA) | 0.6998% | 3,929 |
| Pretax return on assets | 0.8915% | 3,764 |
| Return on Equity (ROE) | 6.6309% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.6309% | 1,550 |
| Net charge-offs to loans | 0.0678% | 2,118 |
| Credit loss provision to net charge-offs | 329.6296% | 844 |
| Earnings coverage of net charge-offs (x) | 20.5185% | 1,930 |
| Efficiency ratio | 72.0669% | 1,856 |
| Assets per employee ($millions) | 5.7830% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 4,271 |
| Loan loss allowance to noncurrent loans | 183.5878% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 2,992 |
| Noncurrent loans to loans | 0.4422% | 2,861 |
| Net loans and leases to total assets | 79.1830% | 900 |
| Net loans and leases to deposits | 91.2772% | 1,456 |
| Net loans and leases to core deposits | 100.0914% | 1,554 |
| Total domestic deposits to total assets | 86.7500% | 1,731 |
| Equity capital to assets | 10.2821% | 3,641 |
| Core capital (leverage) ratio | 9.5246% | 4,035 |
| Tier 1 risk-based capital ratio | 11.3615% | 4,702 |
| Total risk-based capital ratio | 12.1529% | 4,799 |
| Memoranda: | ||
| Average total assets | $417,254,800 | 1,680 |
| Average earning assets | $386,940,600 | 1,680 |
| Average equity | $44,036,400 | 1,788 |
| Average total loans | $318,802,000 | 1,530 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 2,156 |
| Cost of funding earning assets | 1.1224% | 1,267 |
| Net interest margin | 3.6670% | 3,037 |
| Noninterest income to average assets | 0.4443% | 3,055 |
| Noninterest expense to average assets | 2.8879% | 2,299 |
| Loan and lease loss provision to assets | 0.1290% | 1,501 |
| Net operating income to assets | 0.6526% | 4,153 |
| Return on assets (ROA) | 0.6526% | 4,202 |
| Pretax return on assets | 0.8314% | 4,051 |
| Return on Equity (ROE) | 6.1406% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.1406% | 2,306 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4278% | 1,504 |
| Assets per employee ($millions) | 5.6513% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 4,234 |
| Loan loss allowance to noncurrent loans | 176.1694% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 3,046 |
| Noncurrent loans to loans | 0.4819% | 2,852 |
| Net loans and leases to total assets | 74.7975% | 1,683 |
| Net loans and leases to deposits | 84.7338% | 2,349 |
| Net loans and leases to core deposits | 92.0312% | 2,367 |
| Total domestic deposits to total assets | 88.2735% | 926 |
| Equity capital to assets | 10.3102% | 3,707 |
| Core capital (leverage) ratio | 9.5696% | 4,090 |
| Tier 1 risk-based capital ratio | 12.0913% | 4,372 |
| Total risk-based capital ratio | 12.9231% | 4,488 |
| Memoranda: | ||
| Average total assets | $410,246,250 | 1,719 |
| Average earning assets | $380,824,250 | 1,716 |
| Average equity | $43,599,250 | 1,812 |
| Average total loans | $309,632,750 | 1,577 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7728% | 2,150 |
| Cost of funding earning assets | 1.1083% | 1,266 |
| Net interest margin | 3.6644% | 3,050 |
| Noninterest income to average assets | 0.4468% | 2,973 |
| Noninterest expense to average assets | 2.9730% | 2,078 |
| Loan and lease loss provision to assets | 0.1279% | 1,456 |
| Net operating income to assets | 0.5931% | 4,323 |
| Return on assets (ROA) | 0.5931% | 4,360 |
| Pretax return on assets | 0.7513% | 4,216 |
| Return on Equity (ROE) | 5.5214% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.5214% | 2,511 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5435% | 1,329 |
| Assets per employee ($millions) | 5.6183% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 4,283 |
| Loan loss allowance to noncurrent loans | 240.1996% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 3,552 |
| Noncurrent loans to loans | 0.3520% | 3,291 |
| Net loans and leases to total assets | 71.7484% | 2,245 |
| Net loans and leases to deposits | 81.1274% | 2,830 |
| Net loans and leases to core deposits | 87.9957% | 2,795 |
| Total domestic deposits to total assets | 88.4392% | 901 |
| Equity capital to assets | 10.1852% | 3,802 |
| Core capital (leverage) ratio | 9.8490% | 3,761 |
| Tier 1 risk-based capital ratio | 12.6555% | 4,043 |
| Total risk-based capital ratio | 13.4978% | 4,138 |
| Memoranda: | ||
| Average total assets | $401,944,670 | 1,752 |
| Average earning assets | $373,535,670 | 1,749 |
| Average equity | $43,177,330 | 1,824 |
| Average total loans | $303,420,670 | 1,605 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 1,931 |
| Cost of funding earning assets | 1.0917% | 1,212 |
| Net interest margin | 3.6976% | 2,900 |
| Noninterest income to average assets | 0.4211% | 3,038 |
| Noninterest expense to average assets | 3.0459% | 1,859 |
| Loan and lease loss provision to assets | 0.1707% | 979 |
| Net operating income to assets | 0.5163% | 4,474 |
| Return on assets (ROA) | 0.5163% | 4,495 |
| Pretax return on assets | 0.6456% | 4,430 |
| Return on Equity (ROE) | 4.6706% | 4,415 |
| Retained earnings to average equity (ytd only) | 4.6706% | 3,048 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1945% | 1,244 |
| Assets per employee ($millions) | 5.2030% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 4,420 |
| Loan loss allowance to noncurrent loans | 229.9730% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 3,481 |
| Noncurrent loans to loans | 0.3608% | 3,287 |
| Net loans and leases to total assets | 77.2343% | 1,284 |
| Net loans and leases to deposits | 88.2072% | 1,846 |
| Net loans and leases to core deposits | 96.0097% | 1,929 |
| Total domestic deposits to total assets | 87.5601% | 1,543 |
| Equity capital to assets | 10.8905% | 2,964 |
| Core capital (leverage) ratio | 10.2212% | 3,362 |
| Tier 1 risk-based capital ratio | 12.5347% | 4,147 |
| Total risk-based capital ratio | 13.3588% | 4,287 |
| Memoranda: | ||
| Average total assets | $386,612,500 | 1,821 |
| Average earning assets | $359,799,500 | 1,811 |
| Average equity | $42,735,000 | 1,827 |
| Average total loans | $298,612,500 | 1,645 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 1,706 |
| Cost of funding earning assets | 0.9053% | 1,067 |
| Net interest margin | 3.8355% | 2,547 |
| Noninterest income to average assets | 0.4008% | 3,437 |
| Noninterest expense to average assets | 3.0578% | 1,897 |
| Loan and lease loss provision to assets | 0.1305% | 1,685 |
| Net operating income to assets | 0.6229% | 4,356 |
| Return on assets (ROA) | 0.6229% | 4,366 |
| Pretax return on assets | 0.7861% | 4,207 |
| Return on Equity (ROE) | 5.3529% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.3529% | 2,557 |
| Net charge-offs to loans | 0.0099% | 3,338 |
| Credit loss provision to net charge-offs | 1,711.1111% | 252 |
| Earnings coverage of net charge-offs (x) | 120.1852% | 649 |
| Efficiency ratio | 76.1549% | 1,342 |
| Assets per employee ($millions) | 4.9710% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 4,445 |
| Loan loss allowance to noncurrent loans | 213.0125% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 3,386 |
| Noncurrent loans to loans | 0.3879% | 3,143 |
| Net loans and leases to total assets | 75.9334% | 1,628 |
| Net loans and leases to deposits | 87.3665% | 2,130 |
| Net loans and leases to core deposits | 95.5836% | 2,093 |
| Total domestic deposits to total assets | 86.9136% | 1,814 |
| Equity capital to assets | 11.2245% | 2,494 |
| Core capital (leverage) ratio | 10.2672% | 3,286 |
| Tier 1 risk-based capital ratio | 13.4691% | 3,564 |
| Total risk-based capital ratio | 14.3114% | 3,701 |
| Memoranda: | ||
| Average total assets | $354,008,200 | 1,906 |
| Average earning assets | $329,840,000 | 1,891 |
| Average equity | $41,193,000 | 1,807 |
| Average total loans | $272,658,200 | 1,711 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 1,794 |
| Cost of funding earning assets | 0.8487% | 1,127 |
| Net interest margin | 3.8115% | 2,606 |
| Noninterest income to average assets | 0.3949% | 3,512 |
| Noninterest expense to average assets | 3.0887% | 1,785 |
| Loan and lease loss provision to assets | 0.1214% | 1,659 |
| Net operating income to assets | 0.5819% | 4,547 |
| Return on assets (ROA) | 0.5819% | 4,560 |
| Pretax return on assets | 0.7305% | 4,465 |
| Return on Equity (ROE) | 4.9530% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.9530% | 3,264 |
| Net charge-offs to loans | -0.0015% | 4,054 |
| Credit loss provision to net charge-offs | -10,566.6667% | 4,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5445% | 1,170 |
| Assets per employee ($millions) | 4.9165% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 4,603 |
| Loan loss allowance to noncurrent loans | 198.6900% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 3,362 |
| Noncurrent loans to loans | 0.4048% | 3,200 |
| Net loans and leases to total assets | 75.0854% | 1,797 |
| Net loans and leases to deposits | 86.5388% | 2,316 |
| Net loans and leases to core deposits | 94.4840% | 2,246 |
| Total domestic deposits to total assets | 86.7650% | 1,839 |
| Equity capital to assets | 11.1082% | 2,563 |
| Core capital (leverage) ratio | 10.2808% | 3,318 |
| Tier 1 risk-based capital ratio | 13.5476% | 3,599 |
| Total risk-based capital ratio | 14.3711% | 3,746 |
| Memoranda: | ||
| Average total assets | $348,061,000 | 1,936 |
| Average earning assets | $323,785,500 | 1,924 |
| Average equity | $40,889,750 | 1,825 |
| Average total loans | $268,506,750 | 1,739 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,769 |
| Cost of funding earning assets | 0.7765% | 1,248 |
| Net interest margin | 3.8286% | 2,463 |
| Noninterest income to average assets | 0.3846% | 3,587 |
| Noninterest expense to average assets | 3.0701% | 1,861 |
| Loan and lease loss provision to assets | 0.1661% | 1,106 |
| Net operating income to assets | 0.5661% | 4,599 |
| Return on assets (ROA) | 0.5661% | 4,598 |
| Pretax return on assets | 0.7063% | 4,493 |
| Return on Equity (ROE) | 4.7242% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.7242% | 3,222 |
| Net charge-offs to loans | -0.0023% | 3,963 |
| Credit loss provision to net charge-offs | -9,400.0000% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0208% | 1,314 |
| Assets per employee ($millions) | 4.8867% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 4,671 |
| Loan loss allowance to noncurrent loans | 190.9633% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 3,362 |
| Noncurrent loans to loans | 0.4220% | 3,189 |
| Net loans and leases to total assets | 76.2556% | 1,593 |
| Net loans and leases to deposits | 90.3089% | 1,798 |
| Net loans and leases to core deposits | 98.5867% | 1,849 |
| Total domestic deposits to total assets | 84.4387% | 2,903 |
| Equity capital to assets | 11.3563% | 2,307 |
| Core capital (leverage) ratio | 10.9301% | 2,579 |
| Tier 1 risk-based capital ratio | 13.5200% | 3,604 |
| Total risk-based capital ratio | 14.3441% | 3,767 |
| Memoranda: | ||
| Average total assets | $339,530,670 | 1,970 |
| Average earning assets | $315,517,000 | 1,968 |
| Average equity | $40,684,330 | 1,836 |
| Average total loans | $263,731,330 | 1,772 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 1,607 |
| Cost of funding earning assets | 0.7227% | 1,331 |
| Net interest margin | 3.8654% | 2,173 |
| Noninterest income to average assets | 0.3604% | 3,734 |
| Noninterest expense to average assets | 3.0260% | 2,007 |
| Loan and lease loss provision to assets | 0.2301% | 677 |
| Net operating income to assets | 0.5480% | 4,583 |
| Return on assets (ROA) | 0.5480% | 4,586 |
| Pretax return on assets | 0.6929% | 4,460 |
| Return on Equity (ROE) | 4.4452% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.4452% | 3,419 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7323% | 1,633 |
| Assets per employee ($millions) | 4.7917% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 4,760 |
| Loan loss allowance to noncurrent loans | 319.0476% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,949 |
| Noncurrent loans to loans | 0.2546% | 3,847 |
| Net loans and leases to total assets | 79.1943% | 1,052 |
| Net loans and leases to deposits | 94.9425% | 1,138 |
| Net loans and leases to core deposits | 104.9791% | 1,312 |
| Total domestic deposits to total assets | 83.4129% | 3,538 |
| Equity capital to assets | 12.2799% | 1,617 |
| Core capital (leverage) ratio | 11.2485% | 2,211 |
| Tier 1 risk-based capital ratio | 13.9468% | 3,407 |
| Total risk-based capital ratio | 14.7776% | 3,551 |
| Memoranda: | ||
| Average total assets | $328,489,000 | 2,026 |
| Average earning assets | $304,965,500 | 2,025 |
| Average equity | $40,493,500 | 1,852 |
| Average total loans | $256,601,500 | 1,816 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 1,452 |
| Cost of funding earning assets | 0.6994% | 1,023 |
| Net interest margin | 3.8949% | 2,103 |
| Noninterest income to average assets | 0.4874% | 3,079 |
| Noninterest expense to average assets | 3.0799% | 1,916 |
| Loan and lease loss provision to assets | 0.1798% | 1,199 |
| Net operating income to assets | 0.2148% | 5,080 |
| Return on assets (ROA) | 0.2148% | 5,100 |
| Pretax return on assets | 0.7960% | 4,256 |
| Return on Equity (ROE) | 1.8251% | 5,095 |
| Retained earnings to average equity (ytd only) | 1.8251% | 4,223 |
| Net charge-offs to loans | 0.0307% | 3,182 |
| Credit loss provision to net charge-offs | 772.2222% | 435 |
| Earnings coverage of net charge-offs (x) | 41.9028% | 1,219 |
| Efficiency ratio | 74.8704% | 1,781 |
| Assets per employee ($millions) | 4.8709% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 4,873 |
| Loan loss allowance to noncurrent loans | 289.6296% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 3,968 |
| Noncurrent loans to loans | 0.2708% | 3,816 |
| Net loans and leases to total assets | 75.7670% | 1,641 |
| Net loans and leases to deposits | 89.9849% | 1,778 |
| Net loans and leases to core deposits | 99.2920% | 1,770 |
| Total domestic deposits to total assets | 84.1997% | 3,123 |
| Equity capital to assets | 12.3751% | 1,583 |
| Core capital (leverage) ratio | 11.2347% | 2,140 |
| Tier 1 risk-based capital ratio | 14.2392% | 3,232 |
| Total risk-based capital ratio | 15.0203% | 3,401 |
| Memoranda: | ||
| Average total assets | $309,162,400 | 2,123 |
| Average earning assets | $283,241,400 | 2,138 |
| Average equity | $36,382,200 | 2,006 |
| Average total loans | $234,161,600 | 1,911 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 1,363 |
| Cost of funding earning assets | 0.6899% | 1,013 |
| Net interest margin | 3.9123% | 1,996 |
| Noninterest income to average assets | 0.4824% | 3,135 |
| Noninterest expense to average assets | 3.0496% | 1,960 |
| Loan and lease loss provision to assets | 0.2051% | 919 |
| Net operating income to assets | 0.5331% | 4,643 |
| Return on assets (ROA) | 0.5331% | 4,675 |
| Pretax return on assets | 0.7990% | 4,351 |
| Return on Equity (ROE) | 4.5936% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.5936% | 3,147 |
| Net charge-offs to loans | 0.0567% | 2,325 |
| Credit loss provision to net charge-offs | 478.5714% | 668 |
| Earnings coverage of net charge-offs (x) | 23.4292% | 1,813 |
| Efficiency ratio | 74.0857% | 1,880 |
| Assets per employee ($millions) | 4.8473% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 5,004 |
| Loan loss allowance to noncurrent loans | 1,561.0169% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 4,912 |
| Noncurrent loans to loans | 0.0486% | 4,894 |
| Net loans and leases to total assets | 75.3356% | 1,703 |
| Net loans and leases to deposits | 86.9788% | 2,186 |
| Net loans and leases to core deposits | 95.5813% | 2,121 |
| Total domestic deposits to total assets | 86.6138% | 2,039 |
| Equity capital to assets | 12.8329% | 1,478 |
| Core capital (leverage) ratio | 11.4899% | 2,028 |
| Tier 1 risk-based capital ratio | 14.6420% | 3,110 |
| Total risk-based capital ratio | 15.3982% | 3,281 |
| Memoranda: | ||
| Average total assets | $304,866,000 | 2,159 |
| Average earning assets | $278,297,000 | 2,178 |
| Average equity | $35,381,250 | 2,062 |
| Average total loans | $230,397,250 | 1,944 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 1,259 |
| Cost of funding earning assets | 0.6710% | 1,038 |
| Net interest margin | 3.9230% | 1,858 |
| Noninterest income to average assets | 0.4656% | 3,248 |
| Noninterest expense to average assets | 3.0709% | 1,908 |
| Loan and lease loss provision to assets | 0.2081% | 861 |
| Net operating income to assets | 0.5076% | 4,686 |
| Return on assets (ROA) | 0.5076% | 4,721 |
| Pretax return on assets | 0.7584% | 4,411 |
| Return on Equity (ROE) | 4.5446% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.5446% | 3,002 |
| Net charge-offs to loans | 0.0725% | 1,901 |
| Credit loss provision to net charge-offs | 380.4878% | 812 |
| Earnings coverage of net charge-offs (x) | 17.6707% | 1,915 |
| Efficiency ratio | 74.8885% | 1,870 |
| Assets per employee ($millions) | 4.9869% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 5,159 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 5,033 |
| Noncurrent loans to loans | 0.0267% | 5,055 |
| Net loans and leases to total assets | 74.5717% | 1,770 |
| Net loans and leases to deposits | 86.2077% | 2,192 |
| Net loans and leases to core deposits | 94.7126% | 2,091 |
| Total domestic deposits to total assets | 86.5023% | 2,164 |
| Equity capital to assets | 12.9429% | 1,397 |
| Core capital (leverage) ratio | 11.8811% | 1,708 |
| Tier 1 risk-based capital ratio | 14.7152% | 3,056 |
| Total risk-based capital ratio | 15.4316% | 3,242 |
| Memoranda: | ||
| Average total assets | $299,848,330 | 2,193 |
| Average earning assets | $273,007,000 | 2,213 |
| Average equity | $33,490,000 | 2,163 |
| Average total loans | $226,244,670 | 1,968 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 1,248 |
| Cost of funding earning assets | 0.6700% | 980 |
| Net interest margin | 3.8840% | 1,835 |
| Noninterest income to average assets | 0.4578% | 3,272 |
| Noninterest expense to average assets | 3.1160% | 1,821 |
| Loan and lease loss provision to assets | 0.1517% | 1,219 |
| Net operating income to assets | 0.4715% | 4,699 |
| Return on assets (ROA) | 0.4715% | 4,724 |
| Pretax return on assets | 0.7079% | 4,427 |
| Return on Equity (ROE) | 4.6148% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.6148% | 3,112 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1743% | 1,738 |
| Assets per employee ($millions) | 5.0721% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 5,313 |
| Loan loss allowance to noncurrent loans | 199.7475% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 4,021 |
| Noncurrent loans to loans | 0.3498% | 3,844 |
| Net loans and leases to total assets | 75.1420% | 1,552 |
| Net loans and leases to deposits | 84.0679% | 2,280 |
| Net loans and leases to core deposits | 91.8904% | 2,176 |
| Total domestic deposits to total assets | 89.3825% | 955 |
| Equity capital to assets | 10.0648% | 3,672 |
| Core capital (leverage) ratio | 8.5465% | 5,193 |
| Tier 1 risk-based capital ratio | 10.5106% | 5,535 |
| Total risk-based capital ratio | 11.1971% | 5,684 |
| Memoranda: | ||
| Average total assets | $292,686,000 | 2,248 |
| Average earning assets | $265,087,500 | 2,283 |
| Average equity | $29,903,500 | 2,386 |
| Average total loans | $221,374,500 | 2,015 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 1,599 |
| Cost of funding earning assets | 0.6347% | 1,139 |
| Net interest margin | 3.8446% | 2,157 |
| Noninterest income to average assets | 0.6277% | 2,517 |
| Noninterest expense to average assets | 3.3951% | 1,368 |
| Loan and lease loss provision to assets | 0.0915% | 2,526 |
| Net operating income to assets | 0.4584% | 4,773 |
| Return on assets (ROA) | 0.4639% | 4,839 |
| Pretax return on assets | 0.6680% | 4,594 |
| Return on Equity (ROE) | 4.8112% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.8112% | 2,462 |
| Net charge-offs to loans | -0.0013% | 4,671 |
| Credit loss provision to net charge-offs | -9,300.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0439% | 1,299 |
| Assets per employee ($millions) | 4.9331% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6801% | 5,398 |
| Loan loss allowance to noncurrent loans | 185.2645% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3460% | 3,898 |
| Noncurrent loans to loans | 0.3671% | 3,805 |
| Net loans and leases to total assets | 75.0846% | 1,677 |
| Net loans and leases to deposits | 84.4213% | 2,367 |
| Net loans and leases to core deposits | 92.4187% | 2,257 |
| Total domestic deposits to total assets | 88.9403% | 1,148 |
| Equity capital to assets | 10.3761% | 3,299 |
| Core capital (leverage) ratio | 8.8284% | 4,933 |
| Tier 1 risk-based capital ratio | 11.1823% | 5,237 |
| Total risk-based capital ratio | 11.8536% | 5,452 |
| Memoranda: | ||
| Average total assets | $203,292,800 | 2,919 |
| Average earning assets | $186,079,600 | 2,939 |
| Average equity | $19,600,000 | 3,208 |
| Average total loans | $148,805,600 | 2,662 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 2,429 |
| Cost of funding earning assets | 0.6231% | 1,184 |
| Net interest margin | 3.6044% | 3,059 |
| Noninterest income to average assets | 0.6638% | 2,349 |
| Noninterest expense to average assets | 3.4693% | 1,202 |
| Loan and lease loss provision to assets | 0.0716% | 2,782 |
| Net operating income to assets | 0.2861% | 5,309 |
| Return on assets (ROA) | 0.2936% | 5,384 |
| Pretax return on assets | 0.4630% | 5,205 |
| Return on Equity (ROE) | 3.1385% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.1385% | 4,034 |
| Net charge-offs to loans | -0.0030% | 4,526 |
| Credit loss provision to net charge-offs | -3,266.6667% | 5,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9032% | 742 |
| Assets per employee ($millions) | 4.6023% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 4,436 |
| Loan loss allowance to noncurrent loans | 173.6512% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,778 |
| Noncurrent loans to loans | 0.5738% | 3,282 |
| Net loans and leases to total assets | 71.1435% | 2,328 |
| Net loans and leases to deposits | 78.5477% | 3,128 |
| Net loans and leases to core deposits | 88.3072% | 2,729 |
| Total domestic deposits to total assets | 90.5736% | 304 |
| Equity capital to assets | 8.9954% | 5,183 |
| Core capital (leverage) ratio | 8.1772% | 5,590 |
| Tier 1 risk-based capital ratio | 11.3469% | 5,180 |
| Total risk-based capital ratio | 12.3518% | 5,224 |
| Memoranda: | ||
| Average total assets | $182,586,000 | 3,149 |
| Average earning assets | $168,605,750 | 3,146 |
| Average equity | $17,078,000 | 3,570 |
| Average total loans | $131,931,250 | 2,902 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 2,363 |
| Cost of funding earning assets | 0.6107% | 1,243 |
| Net interest margin | 3.6288% | 2,979 |
| Noninterest income to average assets | 0.6580% | 2,338 |
| Noninterest expense to average assets | 3.4589% | 1,246 |
| Loan and lease loss provision to assets | 0.1006% | 2,155 |
| Net operating income to assets | 0.2748% | 5,384 |
| Return on assets (ROA) | 0.2748% | 5,462 |
| Pretax return on assets | 0.4447% | 5,256 |
| Return on Equity (ROE) | 2.8984% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.8984% | 4,064 |
| Net charge-offs to loans | -0.0046% | 4,505 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3839% | 847 |
| Assets per employee ($millions) | 4.5426% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 4,567 |
| Loan loss allowance to noncurrent loans | 172.4311% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 3,831 |
| Noncurrent loans to loans | 0.5769% | 3,334 |
| Net loans and leases to total assets | 71.7796% | 2,206 |
| Net loans and leases to deposits | 79.1311% | 3,039 |
| Net loans and leases to core deposits | 87.7383% | 2,750 |
| Total domestic deposits to total assets | 90.7097% | 259 |
| Equity capital to assets | 9.0125% | 5,227 |
| Core capital (leverage) ratio | 8.4276% | 5,423 |
| Tier 1 risk-based capital ratio | 11.3096% | 5,275 |
| Total risk-based capital ratio | 12.3226% | 5,303 |
| Memoranda: | ||
| Average total assets | $179,015,330 | 3,202 |
| Average earning assets | $165,069,000 | 3,209 |
| Average equity | $16,974,670 | 3,594 |
| Average total loans | $129,607,330 | 2,935 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 2,078 |
| Cost of funding earning assets | 0.5999% | 1,339 |
| Net interest margin | 3.7146% | 2,610 |
| Noninterest income to average assets | 0.6492% | 2,271 |
| Noninterest expense to average assets | 3.5072% | 1,169 |
| Loan and lease loss provision to assets | 0.0462% | 2,991 |
| Net operating income to assets | 0.3419% | 5,172 |
| Return on assets (ROA) | 0.3419% | 5,260 |
| Pretax return on assets | 0.5152% | 5,044 |
| Return on Equity (ROE) | 3.5103% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.5103% | 3,738 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2010% | 956 |
| Assets per employee ($millions) | 4.3018% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 4,468 |
| Loan loss allowance to noncurrent loans | 3,102.3810% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 5,550 |
| Noncurrent loans to loans | 0.0331% | 5,361 |
| Net loans and leases to total assets | 71.2673% | 2,146 |
| Net loans and leases to deposits | 79.1289% | 2,890 |
| Net loans and leases to core deposits | 87.4383% | 2,621 |
| Total domestic deposits to total assets | 90.0649% | 576 |
| Equity capital to assets | 9.6534% | 4,499 |
| Core capital (leverage) ratio | 9.0285% | 4,817 |
| Tier 1 risk-based capital ratio | 12.0989% | 4,856 |
| Total risk-based capital ratio | 13.1356% | 4,894 |
| Memoranda: | ||
| Average total assets | $173,127,500 | 3,295 |
| Average earning assets | $159,371,500 | 3,294 |
| Average equity | $16,864,500 | 3,611 |
| Average total loans | $125,248,500 | 3,009 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 2,329 |
| Cost of funding earning assets | 0.5727% | 1,573 |
| Net interest margin | 3.6943% | 2,768 |
| Noninterest income to average assets | 0.6504% | 2,458 |
| Noninterest expense to average assets | 3.5843% | 1,162 |
| Loan and lease loss provision to assets | 0.0434% | 3,457 |
| Net operating income to assets | 1.3020% | 1,266 |
| Return on assets (ROA) | 1.3020% | 1,312 |
| Pretax return on assets | 0.4709% | 5,174 |
| Return on Equity (ROE) | 13.5269% | 945 |
| Retained earnings to average equity (ytd only) | 13.5269% | 183 |
| Net charge-offs to loans | -0.0301% | 5,402 |
| Credit loss provision to net charge-offs | -197.1429% | 5,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4501% | 870 |
| Assets per employee ($millions) | 4.4706% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 4,390 |
| Loan loss allowance to noncurrent loans | 243.9163% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 4,356 |
| Noncurrent loans to loans | 0.4259% | 3,930 |
| Net loans and leases to total assets | 71.9409% | 2,063 |
| Net loans and leases to deposits | 80.0254% | 2,821 |
| Net loans and leases to core deposits | 88.0606% | 2,597 |
| Total domestic deposits to total assets | 89.8976% | 675 |
| Equity capital to assets | 9.8322% | 4,157 |
| Core capital (leverage) ratio | 9.0573% | 4,811 |
| Tier 1 risk-based capital ratio | 12.6621% | 4,535 |
| Total risk-based capital ratio | 13.7429% | 4,527 |
| Memoranda: | ||
| Average total assets | $158,830,600 | 3,443 |
| Average earning assets | $148,255,600 | 3,430 |
| Average equity | $15,288,000 | 3,783 |
| Average total loans | $116,123,400 | 3,108 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 2,435 |
| Cost of funding earning assets | 0.5665% | 1,656 |
| Net interest margin | 3.6762% | 2,862 |
| Noninterest income to average assets | 0.6706% | 2,384 |
| Noninterest expense to average assets | 3.6086% | 1,103 |
| Loan and lease loss provision to assets | 0.0572% | 3,043 |
| Net operating income to assets | 0.4280% | 5,061 |
| Return on assets (ROA) | 0.4280% | 5,142 |
| Pretax return on assets | 0.4477% | 5,355 |
| Return on Equity (ROE) | 4.4728% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.4728% | 3,281 |
| Net charge-offs to loans | -0.0408% | 5,475 |
| Credit loss provision to net charge-offs | -191.4286% | 5,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7259% | 869 |
| Assets per employee ($millions) | 4.2774% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 4,512 |
| Loan loss allowance to noncurrent loans | 243.5361% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 4,504 |
| Noncurrent loans to loans | 0.4282% | 4,069 |
| Net loans and leases to total assets | 72.8748% | 1,925 |
| Net loans and leases to deposits | 80.4102% | 2,832 |
| Net loans and leases to core deposits | 87.9310% | 2,666 |
| Total domestic deposits to total assets | 90.6288% | 355 |
| Equity capital to assets | 9.1321% | 5,181 |
| Core capital (leverage) ratio | 9.0173% | 4,973 |
| Tier 1 risk-based capital ratio | 12.8184% | 4,538 |
| Total risk-based capital ratio | 13.9292% | 4,534 |
| Memoranda: | ||
| Average total assets | $156,068,000 | 3,515 |
| Average earning assets | $146,160,250 | 3,485 |
| Average equity | $14,934,250 | 3,887 |
| Average total loans | $114,280,000 | 3,161 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 2,259 |
| Cost of funding earning assets | 0.5636% | 1,697 |
| Net interest margin | 3.7123% | 2,657 |
| Noninterest income to average assets | 0.6388% | 2,531 |
| Noninterest expense to average assets | 3.6476% | 1,053 |
| Loan and lease loss provision to assets | 0.0485% | 3,149 |
| Net operating income to assets | 0.3974% | 5,144 |
| Return on assets (ROA) | 0.3974% | 5,251 |
| Pretax return on assets | 0.4158% | 5,432 |
| Return on Equity (ROE) | 4.0851% | 4,981 |
| Retained earnings to average equity (ytd only) | 4.0851% | 3,422 |
| Net charge-offs to loans | -0.0628% | 5,625 |
| Credit loss provision to net charge-offs | -105.7143% | 4,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7081% | 854 |
| Assets per employee ($millions) | 4.0538% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 4,461 |
| Loan loss allowance to noncurrent loans | 2,661.7021% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 5,761 |
| Noncurrent loans to loans | 0.0404% | 5,586 |
| Net loans and leases to total assets | 72.7761% | 1,849 |
| Net loans and leases to deposits | 80.5639% | 2,716 |
| Net loans and leases to core deposits | 87.4023% | 2,618 |
| Total domestic deposits to total assets | 90.3333% | 522 |
| Equity capital to assets | 9.4333% | 4,732 |
| Core capital (leverage) ratio | 9.4594% | 4,325 |
| Tier 1 risk-based capital ratio | 13.6395% | 4,139 |
| Total risk-based capital ratio | 14.8094% | 4,114 |
| Memoranda: | ||
| Average total assets | $152,484,330 | 3,589 |
| Average earning assets | $142,660,330 | 3,559 |
| Average equity | $14,834,330 | 3,917 |
| Average total loans | $111,423,330 | 3,225 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 2,201 |
| Cost of funding earning assets | 0.5574% | 1,776 |
| Net interest margin | 3.7105% | 2,581 |
| Noninterest income to average assets | 0.5291% | 3,099 |
| Noninterest expense to average assets | 3.5009% | 1,309 |
| Loan and lease loss provision to assets | 0.0374% | 3,152 |
| Net operating income to assets | 0.4383% | 4,916 |
| Return on assets (ROA) | 0.4383% | 5,036 |
| Pretax return on assets | 0.4597% | 5,285 |
| Return on Equity (ROE) | 4.4341% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.4341% | 3,366 |
| Net charge-offs to loans | -0.1285% | 5,936 |
| Credit loss provision to net charge-offs | -40.0000% | 4,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5668% | 1,050 |
| Assets per employee ($millions) | 3.9808% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 4,480 |
| Loan loss allowance to noncurrent loans | 2,506.1224% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 5,815 |
| Noncurrent loans to loans | 0.0442% | 5,603 |
| Net loans and leases to total assets | 72.5314% | 1,728 |
| Net loans and leases to deposits | 82.4694% | 2,278 |
| Net loans and leases to core deposits | 90.7834% | 2,058 |
| Total domestic deposits to total assets | 87.9494% | 1,858 |
| Equity capital to assets | 9.8710% | 4,298 |
| Core capital (leverage) ratio | 9.7607% | 3,937 |
| Tier 1 risk-based capital ratio | 13.4544% | 4,346 |
| Total risk-based capital ratio | 14.5985% | 4,314 |
| Memoranda: | ||
| Average total assets | $149,676,500 | 3,660 |
| Average earning assets | $139,925,500 | 3,624 |
| Average equity | $14,794,500 | 3,950 |
| Average total loans | $108,980,000 | 3,279 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 2,414 |
| Cost of funding earning assets | 0.5737% | 2,014 |
| Net interest margin | 3.7751% | 2,712 |
| Noninterest income to average assets | 0.4334% | 3,943 |
| Noninterest expense to average assets | 3.7386% | 1,081 |
| Loan and lease loss provision to assets | 0.1104% | 2,323 |
| Net operating income to assets | 0.7384% | 3,686 |
| Return on assets (ROA) | 0.7707% | 3,616 |
| Pretax return on assets | 0.1855% | 5,893 |
| Return on Equity (ROE) | 7.5203% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.5203% | 1,186 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4122% | 628 |
| Assets per employee ($millions) | 4.7768% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 4,531 |
| Loan loss allowance to noncurrent loans | 2,311.7647% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 5,906 |
| Noncurrent loans to loans | 0.0477% | 5,690 |
| Net loans and leases to total assets | 71.4699% | 2,002 |
| Net loans and leases to deposits | 82.4047% | 2,422 |
| Net loans and leases to core deposits | 91.3394% | 2,154 |
| Total domestic deposits to total assets | 86.7303% | 2,435 |
| Equity capital to assets | 9.8979% | 4,235 |
| Core capital (leverage) ratio | 9.7632% | 3,879 |
| Tier 1 risk-based capital ratio | 13.8711% | 4,192 |
| Total risk-based capital ratio | 15.0539% | 4,165 |
| Memoranda: | ||
| Average total assets | $133,125,000 | 3,921 |
| Average earning assets | $125,849,400 | 3,847 |
| Average equity | $13,643,000 | 4,080 |
| Average total loans | $92,888,200 | 3,566 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 2,483 |
| Cost of funding earning assets | 0.5731% | 2,080 |
| Net interest margin | 3.7602% | 2,774 |
| Noninterest income to average assets | 0.4173% | 4,122 |
| Noninterest expense to average assets | 3.7860% | 989 |
| Loan and lease loss provision to assets | 0.0464% | 3,459 |
| Net operating income to assets | 0.0896% | 6,043 |
| Return on assets (ROA) | 0.1041% | 6,051 |
| Pretax return on assets | 0.1711% | 5,983 |
| Return on Equity (ROE) | 1.0057% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.0057% | 5,482 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1074% | 541 |
| Assets per employee ($millions) | 4.0607% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 4,833 |
| Loan loss allowance to noncurrent loans | 2,071.1538% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 6,012 |
| Noncurrent loans to loans | 0.0522% | 5,807 |
| Net loans and leases to total assets | 73.5071% | 1,596 |
| Net loans and leases to deposits | 82.1314% | 2,408 |
| Net loans and leases to core deposits | 93.1082% | 1,946 |
| Total domestic deposits to total assets | 89.4994% | 981 |
| Equity capital to assets | 10.1282% | 4,010 |
| Core capital (leverage) ratio | 10.0415% | 3,617 |
| Tier 1 risk-based capital ratio | 14.5852% | 3,825 |
| Total risk-based capital ratio | 15.7485% | 3,829 |
| Memoranda: | ||
| Average total assets | $129,385,750 | 4,019 |
| Average earning assets | $122,614,500 | 3,936 |
| Average equity | $13,389,500 | 4,152 |
| Average total loans | $89,357,000 | 3,674 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2891% | 2,619 |
| Cost of funding earning assets | 0.5720% | 2,149 |
| Net interest margin | 3.7171% | 2,893 |
| Noninterest income to average assets | 0.4177% | 4,116 |
| Noninterest expense to average assets | 3.8139% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0798% | 6,083 |
| Return on assets (ROA) | 0.0798% | 6,106 |
| Pretax return on assets | 0.1314% | 6,054 |
| Return on Equity (ROE) | 0.7653% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.7653% | 5,437 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6693% | 528 |
| Assets per employee ($millions) | 4.3460% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 4,537 |
| Loan loss allowance to noncurrent loans | 1,911.1111% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 6,084 |
| Noncurrent loans to loans | 0.0615% | 5,842 |
| Net loans and leases to total assets | 64.4053% | 3,011 |
| Net loans and leases to deposits | 71.8057% | 3,598 |
| Net loans and leases to core deposits | 81.1132% | 3,086 |
| Total domestic deposits to total assets | 89.6938% | 971 |
| Equity capital to assets | 10.0241% | 4,072 |
| Core capital (leverage) ratio | 10.3377% | 3,155 |
| Tier 1 risk-based capital ratio | 15.6128% | 3,288 |
| Total risk-based capital ratio | 16.8108% | 3,278 |
| Memoranda: | ||
| Average total assets | $127,847,000 | 4,077 |
| Average earning assets | $121,330,000 | 3,980 |
| Average equity | $13,328,670 | 4,164 |
| Average total loans | $85,950,000 | 3,770 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 2,454 |
| Cost of funding earning assets | 0.5591% | 2,352 |
| Net interest margin | 3.7589% | 2,645 |
| Noninterest income to average assets | 0.3537% | 4,546 |
| Noninterest expense to average assets | 3.8647% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0482% | 6,135 |
| Return on assets (ROA) | 0.0482% | 6,153 |
| Pretax return on assets | 0.0772% | 6,110 |
| Return on Equity (ROE) | 0.4532% | 6,154 |
| Retained earnings to average equity (ytd only) | 0.4532% | 5,400 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0424% | 541 |
| Assets per employee ($millions) | 4.2514% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,647 |
| Loan loss allowance to noncurrent loans | 1,842.8571% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 6,156 |
| Noncurrent loans to loans | 0.0649% | 5,953 |
| Net loans and leases to total assets | 66.8164% | 2,429 |
| Net loans and leases to deposits | 74.7483% | 2,984 |
| Net loans and leases to core deposits | 85.0812% | 2,410 |
| Total domestic deposits to total assets | 89.3886% | 1,427 |
| Equity capital to assets | 10.4397% | 3,309 |
| Core capital (leverage) ratio | 10.7905% | 2,612 |
| Tier 1 risk-based capital ratio | 16.5123% | 2,892 |
| Total risk-based capital ratio | 17.7622% | 2,861 |
| Memoranda: | ||
| Average total assets | $124,408,000 | 4,185 |
| Average earning assets | $118,759,000 | 4,075 |
| Average equity | $13,240,500 | 4,193 |
| Average total loans | $85,024,000 | 3,826 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 3,171 |
| Cost of funding earning assets | 0.6074% | 2,594 |
| Net interest margin | 3.6377% | 3,293 |
| Noninterest income to average assets | 0.3223% | 5,029 |
| Noninterest expense to average assets | 3.9319% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1135% | 6,315 |
| Return on assets (ROA) | 0.1888% | 5,924 |
| Pretax return on assets | 0.1950% | 5,947 |
| Return on Equity (ROE) | 1.5805% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.5805% | 5,096 |
| Net charge-offs to loans | -0.0258% | 6,193 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0572% | 396 |
| Assets per employee ($millions) | 3.9121% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 4,492 |
| Loan loss allowance to noncurrent loans | 1,779.3103% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 6,230 |
| Noncurrent loans to loans | 0.0692% | 6,011 |
| Net loans and leases to total assets | 68.2463% | 2,310 |
| Net loans and leases to deposits | 76.7558% | 2,889 |
| Net loans and leases to core deposits | 87.2828% | 2,320 |
| Total domestic deposits to total assets | 88.9135% | 1,687 |
| Equity capital to assets | 10.8564% | 2,752 |
| Core capital (leverage) ratio | 10.9301% | 2,451 |
| Tier 1 risk-based capital ratio | 16.8064% | 2,705 |
| Total risk-based capital ratio | 18.0567% | 2,659 |
| Memoranda: | ||
| Average total assets | $112,311,200 | 4,451 |
| Average earning assets | $107,842,200 | 4,313 |
| Average equity | $13,413,200 | 4,179 |
| Average total loans | $73,710,800 | 4,142 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 3,433 |
| Cost of funding earning assets | 0.6184% | 2,659 |
| Net interest margin | 3.5694% | 3,582 |
| Noninterest income to average assets | 0.2931% | 5,352 |
| Noninterest expense to average assets | 4.0119% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.2714% | 6,510 |
| Return on assets (ROA) | 0.1187% | 6,171 |
| Pretax return on assets | 0.1248% | 6,184 |
| Return on Equity (ROE) | 0.9696% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.9696% | 5,589 |
| Net charge-offs to loans | -0.0356% | 6,207 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6723% | 300 |
| Assets per employee ($millions) | 4.1686% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,349 |
| Loan loss allowance to noncurrent loans | 1,749.1525% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 6,315 |
| Noncurrent loans to loans | 0.0748% | 6,113 |
| Net loans and leases to total assets | 64.4330% | 2,930 |
| Net loans and leases to deposits | 72.5261% | 3,451 |
| Net loans and leases to core deposits | 82.9514% | 2,768 |
| Total domestic deposits to total assets | 88.8411% | 1,646 |
| Equity capital to assets | 10.9232% | 2,838 |
| Core capital (leverage) ratio | 11.3817% | 2,143 |
| Tier 1 risk-based capital ratio | 17.7822% | 2,414 |
| Total risk-based capital ratio | 19.0332% | 2,377 |
| Memoranda: | ||
| Average total assets | $110,070,500 | 4,534 |
| Average earning assets | $105,859,500 | 4,409 |
| Average equity | $13,475,000 | 4,219 |
| Average total loans | $71,189,250 | 4,254 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 3,424 |
| Cost of funding earning assets | 0.6374% | 2,611 |
| Net interest margin | 3.5497% | 3,565 |
| Noninterest income to average assets | 0.2968% | 5,329 |
| Noninterest expense to average assets | 4.1873% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.4510% | 6,619 |
| Return on assets (ROA) | 0.1315% | 6,165 |
| Pretax return on assets | 0.1371% | 6,179 |
| Return on Equity (ROE) | 1.0321% | 6,207 |
| Retained earnings to average equity (ytd only) | 1.0321% | 5,493 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6326% | 244 |
| Assets per employee ($millions) | 3.8063% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 4,149 |
| Loan loss allowance to noncurrent loans | 1,660.6557% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 6,346 |
| Noncurrent loans to loans | 0.0827% | 6,145 |
| Net loans and leases to total assets | 63.6702% | 2,973 |
| Net loans and leases to deposits | 72.2269% | 3,419 |
| Net loans and leases to core deposits | 83.1218% | 2,682 |
| Total domestic deposits to total assets | 88.1531% | 2,138 |
| Equity capital to assets | 11.6315% | 2,187 |
| Core capital (leverage) ratio | 12.4428% | 1,391 |
| Tier 1 risk-based capital ratio | 19.4382% | 1,871 |
| Total risk-based capital ratio | 20.6909% | 1,848 |
| Memoranda: | ||
| Average total assets | $106,464,000 | 4,657 |
| Average earning assets | $102,600,330 | 4,502 |
| Average equity | $13,565,000 | 4,227 |
| Average total loans | $68,610,670 | 4,364 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 3,476 |
| Cost of funding earning assets | 0.6529% | 2,629 |
| Net interest margin | 3.5061% | 3,669 |
| Noninterest income to average assets | 0.2768% | 5,473 |
| Noninterest expense to average assets | 4.2300% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5447% | 6,693 |
| Return on assets (ROA) | 0.1209% | 6,200 |
| Pretax return on assets | 0.1248% | 6,215 |
| Return on Equity (ROE) | 0.9047% | 6,241 |
| Retained earnings to average equity (ytd only) | 0.9047% | 5,485 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3029% | 256 |
| Assets per employee ($millions) | 3.4773% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 3,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 64.9591% | 2,546 |
| Net loans and leases to deposits | 75.0773% | 2,761 |
| Net loans and leases to core deposits | 88.9478% | 1,811 |
| Total domestic deposits to total assets | 86.5229% | 3,221 |
| Equity capital to assets | 13.0927% | 1,390 |
| Core capital (leverage) ratio | 13.2015% | 1,045 |
| Tier 1 risk-based capital ratio | 20.7392% | 1,606 |
| Total risk-based capital ratio | 21.9924% | 1,575 |
| Memoranda: | ||
| Average total assets | $102,601,000 | 4,799 |
| Average earning assets | $99,255,500 | 4,649 |
| Average equity | $13,706,500 | 4,246 |
| Average total loans | $66,057,000 | 4,492 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 4,839 |
| Cost of funding earning assets | 0.7382% | 3,179 |
| Net interest margin | 3.3927% | 4,910 |
| Noninterest income to average assets | 0.3130% | 5,213 |
| Noninterest expense to average assets | 3.7103% | 1,397 |
| Loan and lease loss provision to assets | 0.0277% | 5,550 |
| Net operating income to assets | -0.1197% | 6,299 |
| Return on assets (ROA) | 0.1570% | 6,038 |
| Pretax return on assets | 0.1611% | 6,050 |
| Return on Equity (ROE) | 1.1338% | 6,108 |
| Retained earnings to average equity (ytd only) | 1.1338% | 5,305 |
| Net charge-offs to loans | 0.1831% | 3,916 |
| Credit loss provision to net charge-offs | 25.4717% | 5,195 |
| Earnings coverage of net charge-offs (x) | -0.8868% | 5,741 |
| Efficiency ratio | 102.6689% | 476 |
| Assets per employee ($millions) | 3.4788% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 3,311 |
| Loan loss allowance to noncurrent loans | 633.1250% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 6,166 |
| Noncurrent loans to loans | 0.2526% | 5,847 |
| Net loans and leases to total assets | 61.7779% | 3,289 |
| Net loans and leases to deposits | 72.0126% | 3,410 |
| Net loans and leases to core deposits | 84.1886% | 2,527 |
| Total domestic deposits to total assets | 85.7876% | 3,467 |
| Equity capital to assets | 13.6345% | 1,176 |
| Core capital (leverage) ratio | 13.4658% | 959 |
| Tier 1 risk-based capital ratio | 21.8109% | 1,301 |
| Total risk-based capital ratio | 23.0640% | 1,274 |
| Memoranda: | ||
| Average total assets | $97,458,600 | 4,903 |
| Average earning assets | $94,820,000 | 4,735 |
| Average equity | $13,494,000 | 4,261 |
| Average total loans | $57,907,200 | 4,798 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 5,224 |
| Cost of funding earning assets | 0.7573% | 3,289 |
| Net interest margin | 3.3325% | 5,273 |
| Noninterest income to average assets | 0.2471% | 5,789 |
| Noninterest expense to average assets | 3.6962% | 1,367 |
| Loan and lease loss provision to assets | 0.0193% | 5,558 |
| Net operating income to assets | -0.2250% | 6,513 |
| Return on assets (ROA) | 0.0000% | 6,405 |
| Pretax return on assets | 0.0000% | 6,390 |
| Return on Equity (ROE) | 0.0000% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 6,070 |
| Net charge-offs to loans | 0.2499% | 3,221 |
| Credit loss provision to net charge-offs | 13.2075% | 5,040 |
| Earnings coverage of net charge-offs (x) | -1.4056% | 5,613 |
| Efficiency ratio | 105.8917% | 384 |
| Assets per employee ($millions) | 4.1177% | 3,651 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 3,424 |
| Loan loss allowance to noncurrent loans | 20,000.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 6,787 |
| Noncurrent loans to loans | 0.0081% | 6,654 |
| Net loans and leases to total assets | 61.1845% | 3,537 |
| Net loans and leases to deposits | 71.6529% | 3,659 |
| Net loans and leases to core deposits | 83.5233% | 2,757 |
| Total domestic deposits to total assets | 85.3902% | 3,570 |
| Equity capital to assets | 13.8731% | 1,207 |
| Core capital (leverage) ratio | 13.7417% | 927 |
| Tier 1 risk-based capital ratio | 22.3749% | 1,268 |
| Total risk-based capital ratio | 23.6304% | 1,244 |
| Memoranda: | ||
| Average total assets | $96,602,250 | 4,973 |
| Average earning assets | $94,020,250 | 4,794 |
| Average equity | $13,428,750 | 4,311 |
| Average total loans | $56,549,750 | 4,900 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 5,492 |
| Cost of funding earning assets | 0.7764% | 3,392 |
| Net interest margin | 3.2708% | 5,529 |
| Noninterest income to average assets | 0.2191% | 5,999 |
| Noninterest expense to average assets | 3.7763% | 1,253 |
| Loan and lease loss provision to assets | 0.0292% | 5,303 |
| Net operating income to assets | -0.4047% | 6,686 |
| Return on assets (ROA) | -0.2817% | 6,664 |
| Pretax return on assets | -0.2817% | 6,628 |
| Return on Equity (ROE) | -2.0247% | 6,623 |
| Retained earnings to average equity (ytd only) | -2.0247% | 6,364 |
| Net charge-offs to loans | 0.2040% | 3,352 |
| Credit loss provision to net charge-offs | 25.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | -3.2143% | 5,417 |
| Efficiency ratio | 111.0429% | 317 |
| Assets per employee ($millions) | 4.1663% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 2,584 |
| Loan loss allowance to noncurrent loans | 218.7500% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 5,507 |
| Noncurrent loans to loans | 0.8650% | 4,771 |
| Net loans and leases to total assets | 56.8119% | 4,351 |
| Net loans and leases to deposits | 66.6528% | 4,426 |
| Net loans and leases to core deposits | 78.1028% | 3,500 |
| Total domestic deposits to total assets | 85.2356% | 3,749 |
| Equity capital to assets | 14.0809% | 1,063 |
| Core capital (leverage) ratio | 13.8215% | 860 |
| Tier 1 risk-based capital ratio | 24.0449% | 1,009 |
| Total risk-based capital ratio | 25.3042% | 987 |
| Memoranda: | ||
| Average total assets | $95,861,670 | 5,011 |
| Average earning assets | $93,249,000 | 4,839 |
| Average equity | $13,335,000 | 4,333 |
| Average total loans | $54,911,330 | 4,991 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 5,936 |
| Cost of funding earning assets | 0.8168% | 3,336 |
| Net interest margin | 3.1174% | 5,990 |
| Noninterest income to average assets | 0.2545% | 5,824 |
| Noninterest expense to average assets | 3.7922% | 1,222 |
| Loan and lease loss provision to assets | 0.0584% | 4,683 |
| Net operating income to assets | -0.5549% | 6,858 |
| Return on assets (ROA) | -0.5215% | 6,869 |
| Pretax return on assets | -0.5215% | 6,840 |
| Return on Equity (ROE) | -3.7719% | 6,794 |
| Retained earnings to average equity (ytd only) | -3.7719% | 6,470 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0633% | 273 |
| Assets per employee ($millions) | 4.6744% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 2,422 |
| Loan loss allowance to noncurrent loans | 207.8947% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 5,519 |
| Noncurrent loans to loans | 0.9526% | 4,767 |
| Net loans and leases to total assets | 55.7664% | 4,428 |
| Net loans and leases to deposits | 64.8087% | 4,508 |
| Net loans and leases to core deposits | 75.3638% | 3,703 |
| Total domestic deposits to total assets | 86.0477% | 3,501 |
| Equity capital to assets | 13.4837% | 1,247 |
| Core capital (leverage) ratio | 13.6179% | 901 |
| Tier 1 risk-based capital ratio | 24.3385% | 971 |
| Total risk-based capital ratio | 25.5990% | 955 |
| Memoranda: | ||
| Average total assets | $95,880,000 | 5,042 |
| Average earning assets | $93,538,500 | 4,862 |
| Average equity | $13,256,000 | 4,358 |
| Average total loans | $54,622,000 | 5,039 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 6,517 |
| Cost of funding earning assets | 1.0353% | 3,121 |
| Net interest margin | 2.9305% | 6,641 |
| Noninterest income to average assets | 0.1241% | 6,528 |
| Noninterest expense to average assets | 4.0574% | 951 |
| Loan and lease loss provision to assets | 0.7941% | 1,247 |
| Net operating income to assets | -1.8859% | 7,008 |
| Return on assets (ROA) | -1.4762% | 6,924 |
| Pretax return on assets | -1.4762% | 6,892 |
| Return on Equity (ROE) | -9.1395% | 6,717 |
| Retained earnings to average equity (ytd only) | -9.1395% | 6,675 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.8143% | 195 |
| Assets per employee ($millions) | 4.2544% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0451% | 2,141 |
| Loan loss allowance to noncurrent loans | 156.2232% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 5,151 |
| Noncurrent loans to loans | 1.3091% | 4,188 |
| Net loans and leases to total assets | 55.8821% | 4,727 |
| Net loans and leases to deposits | 65.5356% | 4,799 |
| Net loans and leases to core deposits | 73.8475% | 4,261 |
| Total domestic deposits to total assets | 85.2698% | 3,710 |
| Equity capital to assets | 14.1842% | 1,009 |
| Core capital (leverage) ratio | 14.1360% | 789 |
| Tier 1 risk-based capital ratio | 24.6361% | 909 |
| Total risk-based capital ratio | 25.8928% | 897 |
| Memoranda: | ||
| Average total assets | $82,983,800 | 5,366 |
| Average earning assets | $80,463,600 | 5,216 |
| Average equity | $13,403,400 | 4,260 |
| Average total loans | $39,633,600 | 5,708 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 6,719 |
| Cost of funding earning assets | 1.0854% | 3,075 |
| Net interest margin | 2.8206% | 6,865 |
| Noninterest income to average assets | 0.1079% | 6,713 |
| Noninterest expense to average assets | 4.3436% | 681 |
| Loan and lease loss provision to assets | 0.9245% | 957 |
| Net operating income to assets | -2.4299% | 7,202 |
| Return on assets (ROA) | -1.9353% | 7,138 |
| Pretax return on assets | -1.9353% | 7,113 |
| Return on Equity (ROE) | -11.5713% | 6,937 |
| Retained earnings to average equity (ytd only) | -11.5713% | 6,904 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.0409% | 126 |
| Assets per employee ($millions) | 4.1519% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0809% | 2,113 |
| Loan loss allowance to noncurrent loans | 356.1151% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 6,308 |
| Noncurrent loans to loans | 0.5843% | 5,705 |
| Net loans and leases to total assets | 51.0006% | 5,579 |
| Net loans and leases to deposits | 60.3620% | 5,591 |
| Net loans and leases to core deposits | 68.0450% | 5,175 |
| Total domestic deposits to total assets | 84.4913% | 4,012 |
| Equity capital to assets | 14.7774% | 910 |
| Core capital (leverage) ratio | 14.7839% | 709 |
| Tier 1 risk-based capital ratio | 26.5850% | 779 |
| Total risk-based capital ratio | 27.8449% | 753 |
| Memoranda: | ||
| Average total assets | $80,330,500 | 5,495 |
| Average earning assets | $77,758,500 | 5,337 |
| Average equity | $13,435,250 | 4,259 |
| Average total loans | $36,193,000 | 5,911 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 6,920 |
| Cost of funding earning assets | 1.1552% | 2,873 |
| Net interest margin | 2.6405% | 7,087 |
| Noninterest income to average assets | 0.0913% | 6,869 |
| Noninterest expense to average assets | 4.6517% | 509 |
| Loan and lease loss provision to assets | 1.2914% | 577 |
| Net operating income to assets | -3.3055% | 7,341 |
| Return on assets (ROA) | -2.9690% | 7,311 |
| Pretax return on assets | -2.9690% | 7,305 |
| Return on Equity (ROE) | -16.9669% | 7,109 |
| Retained earnings to average equity (ytd only) | -16.9669% | 7,091 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.3600% | 88 |
| Assets per employee ($millions) | 3.6207% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2480% | 1,823 |
| Loan loss allowance to noncurrent loans | 381.8930% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 6,404 |
| Noncurrent loans to loans | 0.5886% | 5,752 |
| Net loans and leases to total assets | 48.4569% | 5,997 |
| Net loans and leases to deposits | 57.8762% | 5,950 |
| Net loans and leases to core deposits | 65.8405% | 5,536 |
| Total domestic deposits to total assets | 83.7252% | 4,464 |
| Equity capital to assets | 15.7717% | 644 |
| Core capital (leverage) ratio | 16.7807% | 424 |
| Tier 1 risk-based capital ratio | 29.4324% | 566 |
| Total risk-based capital ratio | 30.6929% | 550 |
| Memoranda: | ||
| Average total assets | $76,660,000 | 5,632 |
| Average earning assets | $73,926,670 | 5,496 |
| Average equity | $13,414,330 | 4,250 |
| Average total loans | $32,399,000 | 6,168 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6504% | 7,107 |
| Cost of funding earning assets | 1.2055% | 2,779 |
| Net interest margin | 2.4449% | 7,235 |
| Noninterest income to average assets | 0.0927% | 6,955 |
| Noninterest expense to average assets | 4.9624% | 375 |
| Loan and lease loss provision to assets | 1.7341% | 338 |
| Net operating income to assets | -4.2480% | 7,455 |
| Return on assets (ROA) | -4.2480% | 7,459 |
| Pretax return on assets | -4.2480% | 7,447 |
| Return on Equity (ROE) | -22.9887% | 7,255 |
| Retained earnings to average equity (ytd only) | -22.9887% | 7,207 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.6726% | 63 |
| Assets per employee ($millions) | 3.1536% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3216% | 1,727 |
| Loan loss allowance to noncurrent loans | 306.5306% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 6,385 |
| Noncurrent loans to loans | 0.7574% | 5,514 |
| Net loans and leases to total assets | 41.7483% | 6,646 |
| Net loans and leases to deposits | 50.8350% | 6,563 |
| Net loans and leases to core deposits | 57.1878% | 6,328 |
| Total domestic deposits to total assets | 82.1251% | 5,258 |
| Equity capital to assets | 17.4416% | 406 |
| Core capital (leverage) ratio | 18.2857% | 317 |
| Tier 1 risk-based capital ratio | 36.0836% | 327 |
| Total risk-based capital ratio | 37.3417% | 317 |
| Memoranda: | ||
| Average total assets | $73,352,000 | 5,776 |
| Average earning assets | $70,677,500 | 5,643 |
| Average equity | $13,554,500 | 4,203 |
| Average total loans | $27,958,000 | 6,421 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4281% | 7,409 |
| Cost of funding earning assets | 1.4138% | 3,176 |
| Net interest margin | 2.0143% | 7,453 |
| Noninterest income to average assets | 0.0807% | 6,986 |
| Noninterest expense to average assets | 4.9272% | 445 |
| Loan and lease loss provision to assets | 0.7540% | 2,176 |
| Net operating income to assets | -3.6489% | 7,391 |
| Return on assets (ROA) | -3.0842% | 7,329 |
| Pretax return on assets | -3.0842% | 7,311 |
| Return on Equity (ROE) | -13.1828% | 6,849 |
| Retained earnings to average equity (ytd only) | -13.1828% | 6,803 |
| Net charge-offs to loans | 1.2186% | 1,838 |
| Credit loss provision to net charge-offs | 245.4545% | 1,172 |
| Earnings coverage of net charge-offs (x) | -9.4242% | 6,797 |
| Efficiency ratio | 242.4427% | 55 |
| Assets per employee ($millions) | 3.0877% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 2,727 |
| Loan loss allowance to noncurrent loans | 313.7681% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 6,737 |
| Noncurrent loans to loans | 0.5856% | 5,874 |
| Net loans and leases to total assets | 32.5753% | 7,274 |
| Net loans and leases to deposits | 40.7964% | 7,224 |
| Net loans and leases to core deposits | 45.9665% | 7,142 |
| Total domestic deposits to total assets | 79.8485% | 5,875 |
| Equity capital to assets | 19.5840% | 280 |
| Core capital (leverage) ratio | 20.3448% | 217 |
| Tier 1 risk-based capital ratio | 51.2303% | 141 |
| Total risk-based capital ratio | 52.4861% | 140 |
| Memoranda: | ||
| Average total assets | $64,458,600 | 6,050 |
| Average earning assets | $62,454,800 | 5,904 |
| Average equity | $15,080,200 | 3,928 |
| Average total loans | $16,247,600 | 7,106 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4269% | 7,553 |
| Cost of funding earning assets | 1.4229% | 3,436 |
| Net interest margin | 2.0039% | 7,579 |
| Noninterest income to average assets | 0.0828% | 7,122 |
| Noninterest expense to average assets | 5.0281% | 372 |
| Loan and lease loss provision to assets | 0.8660% | 1,755 |
| Net operating income to assets | -3.8713% | 7,557 |
| Return on assets (ROA) | -3.0988% | 7,481 |
| Pretax return on assets | -3.0988% | 7,444 |
| Return on Equity (ROE) | -12.6624% | 7,037 |
| Retained earnings to average equity (ytd only) | -12.6624% | 6,998 |
| Net charge-offs to loans | 1.8310% | 1,049 |
| Credit loss provision to net charge-offs | 206.0606% | 1,720 |
| Earnings coverage of net charge-offs (x) | -7.1516% | 6,611 |
| Efficiency ratio | 248.5834% | 45 |
| Assets per employee ($millions) | 3.2963% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 2,866 |
| Loan loss allowance to noncurrent loans | 934.2105% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 7,200 |
| Noncurrent loans to loans | 0.1901% | 6,804 |
| Net loans and leases to total assets | 29.7758% | 7,475 |
| Net loans and leases to deposits | 38.6973% | 7,403 |
| Net loans and leases to core deposits | 43.2360% | 7,347 |
| Total domestic deposits to total assets | 76.9454% | 6,489 |
| Equity capital to assets | 22.4600% | 180 |
| Core capital (leverage) ratio | 23.0051% | 153 |
| Tier 1 risk-based capital ratio | 64.3115% | 93 |
| Total risk-based capital ratio | 65.5661% | 94 |
| Memoranda: | ||
| Average total assets | $62,819,000 | 6,164 |
| Average earning assets | $60,812,000 | 6,031 |
| Average equity | $15,373,250 | 3,922 |
| Average total loans | $14,417,750 | 7,286 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 7,646 |
| Cost of funding earning assets | 1.4384% | 3,622 |
| Net interest margin | 1.9168% | 7,663 |
| Noninterest income to average assets | 0.0583% | 7,292 |
| Noninterest expense to average assets | 5.0434% | 366 |
| Loan and lease loss provision to assets | 1.0424% | 1,393 |
| Net operating income to assets | -4.1726% | 7,639 |
| Return on assets (ROA) | -3.8036% | 7,610 |
| Pretax return on assets | -3.8036% | 7,577 |
| Return on Equity (ROE) | -15.1009% | 7,149 |
| Retained earnings to average equity (ytd only) | -15.1009% | 7,107 |
| Net charge-offs to loans | 1.4329% | 1,335 |
| Credit loss provision to net charge-offs | 357.7778% | 1,024 |
| Earnings coverage of net charge-offs (x) | -10.7444% | 6,330 |
| Efficiency ratio | 263.6210% | 53 |
| Assets per employee ($millions) | 3.1258% | 5,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4409% | 1,377 |
| Loan loss allowance to noncurrent loans | 254.7297% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 6,807 |
| Noncurrent loans to loans | 0.9582% | 5,389 |
| Net loans and leases to total assets | 24.1026% | 7,641 |
| Net loans and leases to deposits | 32.1334% | 7,609 |
| Net loans and leases to core deposits | 36.6796% | 7,554 |
| Total domestic deposits to total assets | 75.0080% | 6,854 |
| Equity capital to assets | 24.3298% | 143 |
| Core capital (leverage) ratio | 24.0848% | 137 |
| Tier 1 risk-based capital ratio | 82.3330% | 66 |
| Total risk-based capital ratio | 83.6035% | 66 |
| Memoranda: | ||
| Average total assets | $61,783,330 | 6,243 |
| Average earning assets | $59,788,670 | 6,105 |
| Average equity | $15,562,000 | 3,881 |
| Average total loans | $12,562,000 | 7,425 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2131% | 7,774 |
| Cost of funding earning assets | 1.4887% | 3,626 |
| Net interest margin | 1.7245% | 7,795 |
| Noninterest income to average assets | 0.0391% | 7,519 |
| Noninterest expense to average assets | 4.8325% | 416 |
| Loan and lease loss provision to assets | 1.4849% | 788 |
| Net operating income to assets | -4.6111% | 7,760 |
| Return on assets (ROA) | -4.6111% | 7,765 |
| Pretax return on assets | -4.6111% | 7,733 |
| Return on Equity (ROE) | -17.9947% | 7,394 |
| Retained earnings to average equity (ytd only) | -17.9947% | 7,311 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 283.2061% | 46 |
| Assets per employee ($millions) | 2.8439% | 6,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1992% | 693 |
| Loan loss allowance to noncurrent loans | 155.4167% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 6,513 |
| Noncurrent loans to loans | 2.0585% | 3,710 |
| Net loans and leases to total assets | 18.0386% | 7,807 |
| Net loans and leases to deposits | 24.0624% | 7,803 |
| Net loans and leases to core deposits | 27.4478% | 7,772 |
| Total domestic deposits to total assets | 74.9656% | 6,907 |
| Equity capital to assets | 24.6540% | 151 |
| Core capital (leverage) ratio | 24.6956% | 138 |
| Tier 1 risk-based capital ratio | 110.6219% | 46 |
| Total risk-based capital ratio | 111.8871% | 46 |
| Memoranda: | ||
| Average total assets | $61,417,000 | 6,328 |
| Average earning assets | $59,381,000 | 6,195 |
| Average equity | $15,738,000 | 3,879 |
| Average total loans | $11,120,500 | 7,585 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3333% | 7,956 |
| Cost of funding earning assets | 0.9568% | 7,291 |
| Net interest margin | 0.3766% | 7,977 |
| Noninterest income to average assets | 0.0632% | 7,439 |
| Noninterest expense to average assets | 8.2882% | 131 |
| Loan and lease loss provision to assets | 0.3053% | 4,991 |
| Net operating income to assets | -8.1682% | 7,936 |
| Return on assets (ROA) | -8.1451% | 7,929 |
| Pretax return on assets | -8.1451% | 7,921 |
| Return on Equity (ROE) | -23.0870% | 7,234 |
| Retained earnings to average equity (ytd only) | -23.0870% | 7,203 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,949.0099% | 6 |
| Assets per employee ($millions) | 2.8699% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 17.3176% | 7,891 |
| Net loans and leases to deposits | 23.7280% | 7,886 |
| Net loans and leases to core deposits | 35.3785% | 7,816 |
| Total domestic deposits to total assets | 72.9840% | 7,151 |
| Equity capital to assets | 26.6327% | 131 |
| Core capital (leverage) ratio | 30.0407% | 102 |
| Tier 1 risk-based capital ratio | 89.6188% | 62 |
| Total risk-based capital ratio | 90.4233% | 63 |
| Memoranda: | ||
| Average total assets | $47,501,000 | 6,809 |
| Average earning assets | $45,675,330 | 6,693 |
| Average equity | $16,758,330 | 3,721 |
| Average total loans | $5,113,670 | 7,889 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8750% | 8,069 |
| Cost of funding earning assets | 0.7703% | 7,734 |
| Net interest margin | 0.1047% | 8,086 |
| Noninterest income to average assets | 0.0843% | 7,482 |
| Noninterest expense to average assets | 10.6748% | 95 |
| Loan and lease loss provision to assets | 0.2010% | 5,379 |
| Net operating income to assets | -10.6910% | 8,051 |
| Return on assets (ROA) | -10.6910% | 8,051 |
| Pretax return on assets | -10.6910% | 8,049 |
| Return on Equity (ROE) | -25.6889% | 7,519 |
| Retained earnings to average equity (ytd only) | -25.6889% | 7,498 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5,775.4386% | 3 |
| Assets per employee ($millions) | 2.3735% | 7,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 4,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 9.5978% | 8,018 |
| Net loans and leases to deposits | 14.9554% | 8,016 |
| Net loans and leases to core deposits | 21.8786% | 7,990 |
| Total domestic deposits to total assets | 64.1766% | 7,760 |
| Equity capital to assets | 35.2146% | 88 |
| Core capital (leverage) ratio | 40.3408% | 72 |
| Tier 1 risk-based capital ratio | 129.2173% | 49 |
| Total risk-based capital ratio | 129.6973% | 49 |
| Memoranda: | ||
| Average total assets | $41,117,500 | 7,100 |
| Average earning assets | $39,465,000 | 7,017 |
| Average equity | $17,112,000 | 3,677 |
| Average total loans | $2,379,500 | 8,028 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6001% | 8,168 |
| Cost of funding earning assets | 0.4861% | 8,045 |
| Net interest margin | 0.1140% | 8,174 |
| Noninterest income to average assets | 0.1438% | 7,230 |
| Noninterest expense to average assets | 14.2956% | 70 |
| Loan and lease loss provision to assets | 0.0115% | 7,096 |
| Net operating income to assets | -14.0540% | 8,157 |
| Return on assets (ROA) | -14.0540% | 8,151 |
| Pretax return on assets | -14.0540% | 8,153 |
| Return on Equity (ROE) | -27.9072% | 7,682 |
| Retained earnings to average equity (ytd only) | -27.9072% | 7,654 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5,647.7273% | 4 |
| Assets per employee ($millions) | 1.8298% | 7,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 3,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 0.3998% | 8,138 |
| Net loans and leases to deposits | 0.8162% | 8,139 |
| Net loans and leases to core deposits | 1.2782% | 8,130 |
| Total domestic deposits to total assets | 48.9846% | 8,067 |
| Equity capital to assets | 50.3595% | 61 |
| Core capital (leverage) ratio | 59.1746% | 49 |
| Tier 1 risk-based capital ratio | 238.8866% | 28 |
| Total risk-based capital ratio | 238.9139% | 28 |
| Memoranda: | ||
| Average total assets | $34,766,000 | 7,415 |
| Average earning assets | $33,326,000 | 7,348 |
| Average equity | $17,508,000 | 3,616 |
| Average total loans | $141,000 | 8,139 |