Home > First Carolina Bank > Performance and Condition Ratios
First Carolina 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 | 5.8412% | 782 |
| Cost of funding earning assets | 2.8602% | 187 |
| Net interest margin | 2.9810% | 3,328 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 1.7331% | 4,094 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9462% | 2,388 |
| Return on assets (ROA) | 0.9499% | 2,358 |
| Pretax return on assets | 1.1585% | 2,245 |
| Return on Equity (ROE) | 7.3500% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.3472% | 1,777 |
| Net charge-offs to loans | 0.0008% | 2,854 |
| Credit loss provision to net charge-offs | -4,452.9412% | 4,596 |
| Earnings coverage of net charge-offs (x) | 1,726.1765% | 97 |
| Efficiency ratio | 58.9368% | 3,194 |
| Assets per employee ($millions) | 19.4664% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 3,865 |
| 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 | 81.1500% | 517 |
| Net loans and leases to deposits | 93.3544% | 988 |
| Net loans and leases to core deposits | 160.8866% | 149 |
| Total domestic deposits to total assets | 86.9300% | 1,704 |
| Equity capital to assets | 11.9278% | 1,150 |
| Core capital (leverage) ratio | 12.4696% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3493% | 2,475 |
| Memoranda: | ||
| Average total assets | $2,430,278,800 | 484 |
| Average earning assets | $2,320,880,000 | 458 |
| Average equity | $314,215,200 | 384 |
| Average total loans | $2,014,277,400 | 400 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7107% | 776 |
| Cost of funding earning assets | 2.7665% | 170 |
| Net interest margin | 2.9442% | 3,442 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.5981% | 4,240 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0166% | 2,316 |
| Return on assets (ROA) | 1.0216% | 2,288 |
| Pretax return on assets | 1.2594% | 2,148 |
| Return on Equity (ROE) | 7.7300% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.7288% | 2,067 |
| Net charge-offs to loans | 0.0008% | 2,616 |
| Credit loss provision to net charge-offs | -9,033.3333% | 4,629 |
| Earnings coverage of net charge-offs (x) | 1,932.3333% | 72 |
| Efficiency ratio | 54.9170% | 3,496 |
| Assets per employee ($millions) | 19.8200% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 3,850 |
| 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 | 83.8700% | 289 |
| Net loans and leases to deposits | 103.7525% | 361 |
| Net loans and leases to core deposits | 195.8976% | 44 |
| Total domestic deposits to total assets | 80.8400% | 3,412 |
| Equity capital to assets | 12.4456% | 934 |
| Core capital (leverage) ratio | 13.1291% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6662% | 2,402 |
| Memoranda: | ||
| Average total assets | $2,356,524,250 | 497 |
| Average earning assets | $2,258,724,750 | 474 |
| Average equity | $311,501,750 | 383 |
| Average total loans | $1,960,236,000 | 409 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5375% | 791 |
| Cost of funding earning assets | 2.5954% | 159 |
| Net interest margin | 2.9421% | 3,579 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.4843% | 4,348 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.0519% | 2,256 |
| Return on assets (ROA) | 1.0519% | 2,254 |
| Pretax return on assets | 1.2891% | 2,114 |
| Return on Equity (ROE) | 7.7900% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.7881% | 2,039 |
| Net charge-offs to loans | 0.0011% | 2,380 |
| Credit loss provision to net charge-offs | -2,090.0000% | 4,641 |
| Earnings coverage of net charge-offs (x) | 1,627.8000% | 83 |
| Efficiency ratio | 51.0745% | 3,848 |
| Assets per employee ($millions) | 18.9613% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 3,568 |
| 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 | 79.5000% | 680 |
| Net loans and leases to deposits | 98.3038% | 588 |
| Net loans and leases to core deposits | 189.0822% | 53 |
| Total domestic deposits to total assets | 80.8700% | 3,446 |
| Equity capital to assets | 12.3800% | 959 |
| Core capital (leverage) ratio | 13.5529% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6635% | 2,034 |
| Memoranda: | ||
| Average total assets | $2,289,771,000 | 494 |
| Average earning assets | $2,193,689,000 | 477 |
| Average equity | $309,266,333 | 374 |
| Average total loans | $1,892,635,667 | 408 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3981% | 722 |
| Cost of funding earning assets | 2.3205% | 144 |
| Net interest margin | 3.0775% | 3,402 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.4782% | 4,406 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 1.1050% | 2,211 |
| Return on assets (ROA) | 1.1050% | 2,174 |
| Pretax return on assets | 1.3360% | 2,070 |
| Return on Equity (ROE) | 7.8000% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.8038% | 2,277 |
| Net charge-offs to loans | 0.0002% | 2,060 |
| Credit loss provision to net charge-offs | -14,200.0000% | 4,689 |
| Earnings coverage of net charge-offs (x) | 8,454.0000% | 6 |
| Efficiency ratio | 48.7232% | 4,046 |
| Assets per employee ($millions) | 19.2683% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,377 |
| 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 | 83.8100% | 252 |
| Net loans and leases to deposits | 105.1347% | 277 |
| Net loans and leases to core deposits | 203.0660% | 33 |
| Total domestic deposits to total assets | 79.7200% | 3,803 |
| Equity capital to assets | 13.6897% | 636 |
| Core capital (leverage) ratio | 14.4813% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7196% | 1,712 |
| Memoranda: | ||
| Average total assets | $2,173,731,500 | 520 |
| Average earning assets | $2,079,860,000 | 500 |
| Average equity | $307,797,500 | 387 |
| Average total loans | $1,826,790,000 | 430 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 619 |
| Cost of funding earning assets | 0.9668% | 189 |
| Net interest margin | 3.6276% | 1,563 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.5358% | 4,389 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.4297% | 1,048 |
| Return on assets (ROA) | 1.4297% | 1,016 |
| Pretax return on assets | 1.7876% | 760 |
| Return on Equity (ROE) | 9.1100% | 3,101 |
| Retained earnings to average equity (ytd only) | 9.1112% | 1,454 |
| Net charge-offs to loans | 0.0005% | 2,589 |
| Credit loss provision to net charge-offs | 59,800.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 5,090.4286% | 27 |
| Efficiency ratio | 43.1237% | 4,458 |
| Assets per employee ($millions) | 19.0301% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 4,267 |
| 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 | 82.8100% | 342 |
| Net loans and leases to deposits | 103.6284% | 315 |
| Net loans and leases to core deposits | 181.8087% | 36 |
| Total domestic deposits to total assets | 79.9100% | 3,889 |
| Equity capital to assets | 14.6574% | 510 |
| Core capital (leverage) ratio | 15.0724% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2787% | 1,540 |
| Memoranda: | ||
| Average total assets | $1,759,137,200 | 617 |
| Average earning assets | $1,679,577,600 | 593 |
| Average equity | $276,034,000 | 408 |
| Average total loans | $1,449,106,800 | 496 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 786 |
| Cost of funding earning assets | 0.5986% | 445 |
| Net interest margin | 3.6694% | 1,219 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.4977% | 4,422 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.4476% | 961 |
| Return on assets (ROA) | 1.4476% | 937 |
| Pretax return on assets | 1.8507% | 656 |
| Return on Equity (ROE) | 9.0400% | 3,018 |
| Retained earnings to average equity (ytd only) | 9.0373% | 1,637 |
| Net charge-offs to loans | 0.0006% | 2,321 |
| Credit loss provision to net charge-offs | 52,766.6667% | 8 |
| Earnings coverage of net charge-offs (x) | 4,393.0000% | 25 |
| Efficiency ratio | 41.5902% | 4,532 |
| Assets per employee ($millions) | 18.5175% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6465% | 4,338 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 84.1800% | 231 |
| Net loans and leases to deposits | 110.8640% | 118 |
| Net loans and leases to core deposits | 161.5423% | 44 |
| Total domestic deposits to total assets | 75.9300% | 4,370 |
| Equity capital to assets | 15.5299% | 408 |
| Core capital (leverage) ratio | 16.8112% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1257% | 1,396 |
| Memoranda: | ||
| Average total assets | $1,670,835,250 | 651 |
| Average earning assets | $1,594,057,750 | 622 |
| Average equity | $267,639,000 | 421 |
| Average total loans | $1,371,175,000 | 513 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 857 |
| Cost of funding earning assets | 0.4349% | 745 |
| Net interest margin | 3.6159% | 1,045 |
| Noninterest income to average assets | 0.1009% | 4,480 |
| Noninterest expense to average assets | 1.5213% | 4,394 |
| Loan and lease loss provision to assets | 0.2190% | 361 |
| Net operating income to assets | 1.3933% | 918 |
| Return on assets (ROA) | 1.3933% | 897 |
| Pretax return on assets | 1.8082% | 586 |
| Return on Equity (ROE) | 8.5909% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.5909% | 1,403 |
| Net charge-offs to loans | 0.0003% | 2,150 |
| Credit loss provision to net charge-offs | 86,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 8,006.0000% | 3 |
| Efficiency ratio | 42.8714% | 4,544 |
| Assets per employee ($millions) | 17.4191% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6534% | 4,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 80.4490% | 374 |
| Net loans and leases to deposits | 104.9808% | 149 |
| Net loans and leases to core deposits | 144.8712% | 65 |
| Total domestic deposits to total assets | 76.6321% | 4,429 |
| Equity capital to assets | 16.9233% | 286 |
| Core capital (leverage) ratio | 18.4537% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4219% | 929 |
| Memoranda: | ||
| Average total assets | $1,579,667,000 | 672 |
| Average earning assets | $1,506,160,333 | 660 |
| Average equity | $256,200,667 | 438 |
| Average total loans | $1,279,096,333 | 533 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 882 |
| Cost of funding earning assets | 0.3792% | 994 |
| Net interest margin | 3.5469% | 990 |
| Noninterest income to average assets | 0.0846% | 4,558 |
| Noninterest expense to average assets | 1.5415% | 4,372 |
| Loan and lease loss provision to assets | 0.1925% | 384 |
| Net operating income to assets | 1.3354% | 926 |
| Return on assets (ROA) | 1.3354% | 917 |
| Pretax return on assets | 1.7358% | 640 |
| Return on Equity (ROE) | 8.4472% | 2,537 |
| Retained earnings to average equity (ytd only) | 8.4472% | 1,443 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4265% | 4,544 |
| Assets per employee ($millions) | 16.7987% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6545% | 4,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 78.9290% | 299 |
| Net loans and leases to deposits | 105.9549% | 99 |
| Net loans and leases to core deposits | 148.3580% | 43 |
| Total domestic deposits to total assets | 74.4930% | 4,559 |
| Equity capital to assets | 18.3022% | 217 |
| Core capital (leverage) ratio | 19.5166% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4420% | 704 |
| Memoranda: | ||
| Average total assets | $1,498,546,000 | 698 |
| Average earning assets | $1,430,194,500 | 684 |
| Average equity | $236,907,000 | 472 |
| Average total loans | $1,213,361,500 | 554 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 1,553 |
| Cost of funding earning assets | 0.4500% | 1,200 |
| Net interest margin | 3.4723% | 1,823 |
| Noninterest income to average assets | 0.0856% | 4,652 |
| Noninterest expense to average assets | 1.4233% | 4,606 |
| Loan and lease loss provision to assets | 0.2215% | 457 |
| Net operating income to assets | 1.3762% | 1,354 |
| Return on assets (ROA) | 1.4071% | 1,313 |
| Pretax return on assets | 1.8296% | 855 |
| Return on Equity (ROE) | 10.9413% | 2,184 |
| Retained earnings to average equity (ytd only) | 10.9413% | 711 |
| Net charge-offs to loans | 0.0007% | 2,669 |
| Credit loss provision to net charge-offs | 39,242.8571% | 17 |
| Earnings coverage of net charge-offs (x) | 3,564.1429% | 33 |
| Efficiency ratio | 41.3409% | 4,652 |
| Assets per employee ($millions) | 16.6688% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6390% | 4,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 82.2013% | 169 |
| Net loans and leases to deposits | 104.8184% | 120 |
| Net loans and leases to core deposits | 150.1234% | 53 |
| Total domestic deposits to total assets | 78.4226% | 4,356 |
| Equity capital to assets | 12.9810% | 902 |
| Core capital (leverage) ratio | 13.4709% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2524% | 2,145 |
| Memoranda: | ||
| Average total assets | $1,239,969,400 | 805 |
| Average earning assets | $1,196,168,600 | 772 |
| Average equity | $159,469,000 | 676 |
| Average total loans | $963,156,400 | 679 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 1,783 |
| Cost of funding earning assets | 0.4672% | 1,235 |
| Net interest margin | 3.4273% | 2,080 |
| Noninterest income to average assets | 0.0864% | 4,716 |
| Noninterest expense to average assets | 1.3927% | 4,695 |
| Loan and lease loss provision to assets | 0.2095% | 475 |
| Net operating income to assets | 1.3778% | 1,609 |
| Return on assets (ROA) | 1.4024% | 1,594 |
| Pretax return on assets | 1.8235% | 1,109 |
| Return on Equity (ROE) | 10.9346% | 2,385 |
| Retained earnings to average equity (ytd only) | 10.9346% | 1,075 |
| Net charge-offs to loans | 0.0016% | 2,354 |
| Credit loss provision to net charge-offs | 17,081.8182% | 41 |
| Earnings coverage of net charge-offs (x) | 1,632.1818% | 88 |
| Efficiency ratio | 40.9013% | 4,696 |
| Assets per employee ($millions) | 17.2222% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6337% | 4,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 78.2394% | 388 |
| Net loans and leases to deposits | 98.8134% | 252 |
| Net loans and leases to core deposits | 134.5728% | 98 |
| Total domestic deposits to total assets | 79.1789% | 4,331 |
| Equity capital to assets | 13.1382% | 943 |
| Core capital (leverage) ratio | 13.2615% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3213% | 1,856 |
| Memoranda: | ||
| Average total assets | $1,195,749,250 | 842 |
| Average earning assets | $1,154,191,500 | 813 |
| Average equity | $153,355,750 | 712 |
| Average total loans | $910,905,750 | 732 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 1,966 |
| Cost of funding earning assets | 0.4785% | 1,338 |
| Net interest margin | 3.3621% | 2,267 |
| Noninterest income to average assets | 0.0918% | 4,723 |
| Noninterest expense to average assets | 1.4016% | 4,715 |
| Loan and lease loss provision to assets | 0.2244% | 469 |
| Net operating income to assets | 1.3149% | 1,819 |
| Return on assets (ROA) | 1.3149% | 1,887 |
| Pretax return on assets | 1.7098% | 1,457 |
| Return on Equity (ROE) | 10.3498% | 2,639 |
| Retained earnings to average equity (ytd only) | 10.3498% | 1,300 |
| Net charge-offs to loans | 0.0037% | 2,031 |
| Credit loss provision to net charge-offs | 8,081.2500% | 79 |
| Earnings coverage of net charge-offs (x) | 696.5000% | 200 |
| Efficiency ratio | 41.8804% | 4,701 |
| Assets per employee ($millions) | 17.3601% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 4,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 76.6824% | 528 |
| Net loans and leases to deposits | 97.6780% | 323 |
| Net loans and leases to core deposits | 136.8581% | 95 |
| Total domestic deposits to total assets | 78.5053% | 4,383 |
| Equity capital to assets | 13.3737% | 851 |
| Core capital (leverage) ratio | 14.0566% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5153% | 1,799 |
| Memoranda: | ||
| Average total assets | $1,152,294,667 | 859 |
| Average earning assets | $1,111,789,667 | 828 |
| Average equity | $146,398,333 | 735 |
| Average total loans | $866,487,667 | 762 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 2,103 |
| Cost of funding earning assets | 0.5084% | 1,339 |
| Net interest margin | 3.2905% | 2,420 |
| Noninterest income to average assets | 0.0863% | 4,740 |
| Noninterest expense to average assets | 1.4036% | 4,741 |
| Loan and lease loss provision to assets | 0.1986% | 614 |
| Net operating income to assets | 1.2742% | 1,909 |
| Return on assets (ROA) | 1.2742% | 1,985 |
| Pretax return on assets | 1.6584% | 1,584 |
| Return on Equity (ROE) | 10.3370% | 2,583 |
| Retained earnings to average equity (ytd only) | 10.3370% | 1,565 |
| Net charge-offs to loans | -0.0034% | 3,258 |
| Credit loss provision to net charge-offs | -7,828.5714% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9016% | 4,636 |
| Assets per employee ($millions) | 16.7701% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6228% | 4,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 74.2351% | 791 |
| Net loans and leases to deposits | 94.0616% | 491 |
| Net loans and leases to core deposits | 128.5563% | 158 |
| Total domestic deposits to total assets | 78.9217% | 4,339 |
| Equity capital to assets | 12.0908% | 1,247 |
| Core capital (leverage) ratio | 12.2704% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3392% | 2,146 |
| Memoranda: | ||
| Average total assets | $1,103,478,000 | 885 |
| Average earning assets | $1,064,504,000 | 851 |
| Average equity | $136,016,500 | 775 |
| Average total loans | $817,481,000 | 801 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 2,745 |
| Cost of funding earning assets | 0.8885% | 887 |
| Net interest margin | 3.1058% | 3,615 |
| Noninterest income to average assets | 0.0878% | 4,776 |
| Noninterest expense to average assets | 1.4441% | 4,814 |
| Loan and lease loss provision to assets | 0.2672% | 1,443 |
| Net operating income to assets | 1.0547% | 2,088 |
| Return on assets (ROA) | 1.1565% | 1,823 |
| Pretax return on assets | 1.5048% | 1,314 |
| Return on Equity (ROE) | 9.4631% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.4631% | 689 |
| Net charge-offs to loans | -0.0037% | 4,068 |
| Credit loss provision to net charge-offs | -10,622.7273% | 4,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5822% | 4,689 |
| Assets per employee ($millions) | 16.4075% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6066% | 4,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.9832% | 1,159 |
| Net loans and leases to deposits | 93.6922% | 677 |
| Net loans and leases to core deposits | 137.2660% | 141 |
| Total domestic deposits to total assets | 77.8968% | 4,332 |
| Equity capital to assets | 12.5830% | 1,279 |
| Core capital (leverage) ratio | 13.2222% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8186% | 1,917 |
| Memoranda: | ||
| Average total assets | $874,776,400 | 987 |
| Average earning assets | $844,819,800 | 958 |
| Average equity | $106,909,800 | 913 |
| Average total loans | $589,317,600 | 997 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 2,730 |
| Cost of funding earning assets | 1.0147% | 723 |
| Net interest margin | 3.0647% | 3,826 |
| Noninterest income to average assets | 0.0869% | 4,800 |
| Noninterest expense to average assets | 1.4414% | 4,846 |
| Loan and lease loss provision to assets | 0.2139% | 1,880 |
| Net operating income to assets | 1.0674% | 2,083 |
| Return on assets (ROA) | 1.2023% | 1,757 |
| Pretax return on assets | 1.5620% | 1,298 |
| Return on Equity (ROE) | 9.9323% | 2,044 |
| Retained earnings to average equity (ytd only) | 9.9323% | 776 |
| Net charge-offs to loans | -0.0037% | 3,982 |
| Credit loss provision to net charge-offs | -8,846.6667% | 4,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0996% | 4,658 |
| Assets per employee ($millions) | 15.0683% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 4,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 67.2611% | 2,354 |
| Net loans and leases to deposits | 88.8616% | 1,388 |
| Net loans and leases to core deposits | 120.3478% | 406 |
| Total domestic deposits to total assets | 75.6919% | 4,450 |
| Equity capital to assets | 12.4539% | 1,447 |
| Core capital (leverage) ratio | 12.4765% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6792% | 1,599 |
| Memoranda: | ||
| Average total assets | $826,848,750 | 1,020 |
| Average earning assets | $798,533,000 | 988 |
| Average equity | $100,088,250 | 953 |
| Average total loans | $540,870,500 | 1,064 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 2,675 |
| Cost of funding earning assets | 1.1707% | 565 |
| Net interest margin | 3.0564% | 3,999 |
| Noninterest income to average assets | 0.0827% | 4,832 |
| Noninterest expense to average assets | 1.4080% | 4,901 |
| Loan and lease loss provision to assets | 0.2748% | 1,558 |
| Net operating income to assets | 1.0430% | 2,175 |
| Return on assets (ROA) | 1.1271% | 1,999 |
| Pretax return on assets | 1.4634% | 1,551 |
| Return on Equity (ROE) | 9.4182% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.4182% | 906 |
| Net charge-offs to loans | -0.0035% | 3,913 |
| Credit loss provision to net charge-offs | -12,077.7778% | 4,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1033% | 4,720 |
| Assets per employee ($millions) | 16.1950% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 4,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 64.0840% | 2,869 |
| Net loans and leases to deposits | 84.2457% | 1,977 |
| Net loans and leases to core deposits | 120.0263% | 425 |
| Total domestic deposits to total assets | 76.0680% | 4,419 |
| Equity capital to assets | 10.7715% | 2,513 |
| Core capital (leverage) ratio | 11.2429% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4335% | 2,021 |
| Memoranda: | ||
| Average total assets | $791,052,667 | 1,037 |
| Average earning assets | $765,348,000 | 1,003 |
| Average equity | $94,668,000 | 987 |
| Average total loans | $510,457,333 | 1,099 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 2,358 |
| Cost of funding earning assets | 1.4566% | 313 |
| Net interest margin | 3.0264% | 4,239 |
| Noninterest income to average assets | 0.0846% | 4,881 |
| Noninterest expense to average assets | 1.4868% | 4,928 |
| Loan and lease loss provision to assets | 0.3394% | 907 |
| Net operating income to assets | 0.9136% | 2,477 |
| Return on assets (ROA) | 1.0929% | 1,965 |
| Pretax return on assets | 1.4180% | 1,509 |
| Return on Equity (ROE) | 8.6005% | 2,278 |
| Retained earnings to average equity (ytd only) | 8.6005% | 1,081 |
| Net charge-offs to loans | -0.0025% | 3,693 |
| Credit loss provision to net charge-offs | -20,733.3333% | 4,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0416% | 4,712 |
| Assets per employee ($millions) | 16.8335% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5844% | 4,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 63.4779% | 3,126 |
| Net loans and leases to deposits | 85.3123% | 2,077 |
| Net loans and leases to core deposits | 115.8664% | 591 |
| Total domestic deposits to total assets | 74.4065% | 4,630 |
| Equity capital to assets | 11.7320% | 2,259 |
| Core capital (leverage) ratio | 12.4749% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8002% | 1,661 |
| Memoranda: | ||
| Average total assets | $733,120,000 | 1,067 |
| Average earning assets | $710,408,000 | 1,023 |
| Average equity | $93,157,500 | 997 |
| Average total loans | $473,348,000 | 1,142 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 2,407 |
| Cost of funding earning assets | 1.7316% | 177 |
| Net interest margin | 2.9417% | 4,600 |
| Noninterest income to average assets | 0.0973% | 4,935 |
| Noninterest expense to average assets | 1.5578% | 4,973 |
| Loan and lease loss provision to assets | 0.1583% | 1,325 |
| Net operating income to assets | 0.9670% | 2,960 |
| Return on assets (ROA) | 1.0197% | 2,864 |
| Pretax return on assets | 1.2966% | 2,513 |
| Return on Equity (ROE) | 9.0131% | 2,749 |
| Retained earnings to average equity (ytd only) | 9.0131% | 703 |
| Net charge-offs to loans | -0.0085% | 4,425 |
| Credit loss provision to net charge-offs | -3,089.6552% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5600% | 4,566 |
| Assets per employee ($millions) | 14.6173% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5550% | 4,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 65.1256% | 3,053 |
| Net loans and leases to deposits | 78.5250% | 2,953 |
| Net loans and leases to core deposits | 107.5904% | 1,001 |
| Total domestic deposits to total assets | 82.9362% | 3,219 |
| Equity capital to assets | 13.8601% | 1,153 |
| Core capital (leverage) ratio | 14.2012% | 879 |
| Tier 1 risk-based capital ratio | 17.7475% | 1,825 |
| Total risk-based capital ratio | 18.2222% | 2,008 |
| Memoranda: | ||
| Average total assets | $566,173,600 | 1,278 |
| Average earning assets | $548,294,200 | 1,238 |
| Average equity | $64,051,200 | 1,316 |
| Average total loans | $341,781,200 | 1,457 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 2,459 |
| Cost of funding earning assets | 1.7632% | 163 |
| Net interest margin | 2.9237% | 4,735 |
| Noninterest income to average assets | 0.1001% | 4,990 |
| Noninterest expense to average assets | 1.5192% | 5,059 |
| Loan and lease loss provision to assets | 0.1747% | 1,054 |
| Net operating income to assets | 0.9810% | 3,046 |
| Return on assets (ROA) | 1.0217% | 2,977 |
| Pretax return on assets | 1.2889% | 2,707 |
| Return on Equity (ROE) | 9.6916% | 2,577 |
| Retained earnings to average equity (ytd only) | 9.6916% | 831 |
| Net charge-offs to loans | -0.0100% | 4,373 |
| Credit loss provision to net charge-offs | -2,966.6667% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4903% | 4,640 |
| Assets per employee ($millions) | 14.4680% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5790% | 4,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 63.6877% | 3,319 |
| Net loans and leases to deposits | 73.6796% | 3,503 |
| Net loans and leases to core deposits | 127.6394% | 338 |
| Total domestic deposits to total assets | 86.4387% | 1,801 |
| Equity capital to assets | 10.7971% | 3,296 |
| Core capital (leverage) ratio | 10.8475% | 2,791 |
| Tier 1 risk-based capital ratio | 14.1171% | 3,274 |
| Total risk-based capital ratio | 14.6209% | 3,545 |
| Memoranda: | ||
| Average total assets | $543,272,500 | 1,330 |
| Average earning assets | $526,081,500 | 1,281 |
| Average equity | $57,271,750 | 1,416 |
| Average total loans | $319,533,250 | 1,543 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 2,554 |
| Cost of funding earning assets | 1.7461% | 158 |
| Net interest margin | 2.8908% | 4,832 |
| Noninterest income to average assets | 0.1033% | 5,022 |
| Noninterest expense to average assets | 1.5814% | 5,073 |
| Loan and lease loss provision to assets | 0.1489% | 1,235 |
| Net operating income to assets | 0.9377% | 3,140 |
| Return on assets (ROA) | 0.9711% | 3,096 |
| Pretax return on assets | 1.2134% | 2,861 |
| Return on Equity (ROE) | 9.2959% | 2,731 |
| Retained earnings to average equity (ytd only) | 9.2959% | 962 |
| Net charge-offs to loans | -0.0100% | 4,329 |
| Credit loss provision to net charge-offs | -2,613.3333% | 4,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1552% | 4,452 |
| Assets per employee ($millions) | 13.5258% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5753% | 4,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 58.3431% | 3,878 |
| Net loans and leases to deposits | 65.8935% | 4,107 |
| Net loans and leases to core deposits | 107.3324% | 1,155 |
| Total domestic deposits to total assets | 88.5415% | 864 |
| Equity capital to assets | 11.2582% | 2,811 |
| Core capital (leverage) ratio | 11.0856% | 2,519 |
| Tier 1 risk-based capital ratio | 15.5357% | 2,614 |
| Total risk-based capital ratio | 16.0212% | 2,861 |
| Memoranda: | ||
| Average total assets | $526,634,330 | 1,362 |
| Average earning assets | $509,824,330 | 1,313 |
| Average equity | $55,013,330 | 1,453 |
| Average total loans | $299,382,000 | 1,626 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 2,871 |
| Cost of funding earning assets | 1.6726% | 172 |
| Net interest margin | 2.8259% | 4,963 |
| Noninterest income to average assets | 0.1030% | 5,067 |
| Noninterest expense to average assets | 1.6096% | 5,092 |
| Loan and lease loss provision to assets | 0.1646% | 1,024 |
| Net operating income to assets | 0.8224% | 3,542 |
| Return on assets (ROA) | 0.8224% | 3,582 |
| Pretax return on assets | 1.0627% | 3,263 |
| Return on Equity (ROE) | 8.2178% | 3,163 |
| Retained earnings to average equity (ytd only) | 8.2178% | 1,588 |
| Net charge-offs to loans | -0.0098% | 4,219 |
| Credit loss provision to net charge-offs | -3,014.2857% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3806% | 4,281 |
| Assets per employee ($millions) | 13.0247% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5687% | 4,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 56.4777% | 4,033 |
| Net loans and leases to deposits | 63.9587% | 4,180 |
| Net loans and leases to core deposits | 97.2749% | 1,833 |
| Total domestic deposits to total assets | 88.3034% | 1,185 |
| Equity capital to assets | 11.4765% | 2,420 |
| Core capital (leverage) ratio | 12.0043% | 1,767 |
| Tier 1 risk-based capital ratio | 17.0898% | 2,081 |
| Total risk-based capital ratio | 17.5763% | 2,273 |
| Memoranda: | ||
| Average total assets | $512,673,500 | 1,405 |
| Average earning assets | $495,980,500 | 1,349 |
| Average equity | $51,303,500 | 1,542 |
| Average total loans | $286,364,500 | 1,686 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 3,799 |
| Cost of funding earning assets | 1.3996% | 142 |
| Net interest margin | 2.6805% | 5,111 |
| Noninterest income to average assets | 0.1198% | 5,080 |
| Noninterest expense to average assets | 1.6773% | 5,119 |
| Loan and lease loss provision to assets | 0.1205% | 1,835 |
| Net operating income to assets | 0.7177% | 4,089 |
| Return on assets (ROA) | 0.7238% | 4,068 |
| Pretax return on assets | 0.9096% | 3,870 |
| Return on Equity (ROE) | 8.0328% | 3,422 |
| Retained earnings to average equity (ytd only) | 8.0328% | 1,221 |
| Net charge-offs to loans | -0.0040% | 4,312 |
| Credit loss provision to net charge-offs | -5,577.7778% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6588% | 3,596 |
| Assets per employee ($millions) | 13.2726% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5293% | 5,091 |
| Loan loss allowance to noncurrent loans | 6,104.1667% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,899 |
| Noncurrent loans to loans | 0.0087% | 4,774 |
| Net loans and leases to total assets | 54.5919% | 4,239 |
| Net loans and leases to deposits | 59.7454% | 4,494 |
| Net loans and leases to core deposits | 100.9944% | 1,646 |
| Total domestic deposits to total assets | 91.3742% | 135 |
| Equity capital to assets | 8.4892% | 4,940 |
| Core capital (leverage) ratio | 9.3191% | 4,340 |
| Tier 1 risk-based capital ratio | 13.6432% | 3,467 |
| Total risk-based capital ratio | 14.1235% | 3,818 |
| Memoranda: | ||
| Average total assets | $416,675,400 | 1,646 |
| Average earning assets | $401,039,200 | 1,586 |
| Average equity | $37,546,000 | 1,962 |
| Average total loans | $226,138,400 | 1,981 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0184% | 3,871 |
| Cost of funding earning assets | 1.3451% | 141 |
| Net interest margin | 2.6733% | 5,182 |
| Noninterest income to average assets | 0.1213% | 5,130 |
| Noninterest expense to average assets | 1.7452% | 5,091 |
| Loan and lease loss provision to assets | 0.1398% | 1,428 |
| Net operating income to assets | 0.6512% | 4,366 |
| Return on assets (ROA) | 0.6600% | 4,353 |
| Pretax return on assets | 0.8167% | 4,251 |
| Return on Equity (ROE) | 7.1912% | 3,864 |
| Retained earnings to average equity (ytd only) | 7.1912% | 2,032 |
| Net charge-offs to loans | -0.0013% | 4,032 |
| Credit loss provision to net charge-offs | -20,700.0000% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3530% | 3,121 |
| Assets per employee ($millions) | 10.6510% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5469% | 5,131 |
| Loan loss allowance to noncurrent loans | 5,704.1667% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,998 |
| Noncurrent loans to loans | 0.0096% | 4,888 |
| Net loans and leases to total assets | 57.0125% | 4,129 |
| Net loans and leases to deposits | 63.2110% | 4,374 |
| Net loans and leases to core deposits | 85.6977% | 3,022 |
| Total domestic deposits to total assets | 90.1940% | 440 |
| Equity capital to assets | 9.5797% | 4,010 |
| Core capital (leverage) ratio | 9.3693% | 4,314 |
| Tier 1 risk-based capital ratio | 14.7632% | 2,987 |
| Total risk-based capital ratio | 15.2664% | 3,272 |
| Memoranda: | ||
| Average total assets | $394,754,500 | 1,745 |
| Average earning assets | $379,442,000 | 1,682 |
| Average equity | $36,228,500 | 2,024 |
| Average total loans | $213,472,000 | 2,081 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,317 |
| Cost of funding earning assets | 1.2320% | 159 |
| Net interest margin | 2.5794% | 5,288 |
| Noninterest income to average assets | 0.1150% | 5,211 |
| Noninterest expense to average assets | 1.8100% | 5,079 |
| Loan and lease loss provision to assets | 0.1434% | 1,346 |
| Net operating income to assets | 0.5293% | 4,681 |
| Return on assets (ROA) | 0.5415% | 4,650 |
| Pretax return on assets | 0.6539% | 4,630 |
| Return on Equity (ROE) | 6.0012% | 4,243 |
| Retained earnings to average equity (ytd only) | 6.0012% | 2,562 |
| Net charge-offs to loans | 0.0080% | 2,844 |
| Credit loss provision to net charge-offs | 3,412.5000% | 119 |
| Earnings coverage of net charge-offs (x) | 186.2500% | 441 |
| Efficiency ratio | 69.2869% | 2,432 |
| Assets per employee ($millions) | 11.5904% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5369% | 5,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 52.6583% | 4,438 |
| Net loans and leases to deposits | 58.3391% | 4,622 |
| Net loans and leases to core deposits | 80.3226% | 3,391 |
| Total domestic deposits to total assets | 90.2625% | 480 |
| Equity capital to assets | 9.5834% | 4,023 |
| Core capital (leverage) ratio | 9.5683% | 4,031 |
| Tier 1 risk-based capital ratio | 15.6697% | 2,559 |
| Total risk-based capital ratio | 16.1609% | 2,837 |
| Memoranda: | ||
| Average total assets | $380,775,330 | 1,810 |
| Average earning assets | $365,746,330 | 1,749 |
| Average equity | $34,360,000 | 2,115 |
| Average total loans | $201,183,330 | 2,175 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6134% | 4,676 |
| Cost of funding earning assets | 1.0983% | 232 |
| Net interest margin | 2.5151% | 5,384 |
| Noninterest income to average assets | 0.1189% | 5,257 |
| Noninterest expense to average assets | 1.8635% | 5,080 |
| Loan and lease loss provision to assets | 0.1144% | 1,652 |
| Net operating income to assets | 0.4196% | 4,888 |
| Return on assets (ROA) | 0.4418% | 4,839 |
| Pretax return on assets | 0.5775% | 4,739 |
| Return on Equity (ROE) | 5.0853% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.0853% | 3,131 |
| Net charge-offs to loans | 0.0446% | 1,672 |
| Credit loss provision to net charge-offs | 485.7143% | 612 |
| Earnings coverage of net charge-offs (x) | 28.1905% | 1,276 |
| Efficiency ratio | 73.1588% | 2,016 |
| Assets per employee ($millions) | 10.3326% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5244% | 5,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.3513% | 4,478 |
| Net loans and leases to deposits | 56.3062% | 4,677 |
| Net loans and leases to core deposits | 75.2746% | 3,719 |
| Total domestic deposits to total assets | 91.2000% | 256 |
| Equity capital to assets | 8.6323% | 4,876 |
| Core capital (leverage) ratio | 8.7730% | 4,923 |
| Tier 1 risk-based capital ratio | 14.3217% | 3,216 |
| Total risk-based capital ratio | 14.8059% | 3,534 |
| Memoranda: | ||
| Average total assets | $356,740,000 | 1,912 |
| Average earning assets | $341,622,000 | 1,865 |
| Average equity | $30,991,000 | 2,305 |
| Average total loans | $188,254,000 | 2,295 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6115% | 4,549 |
| Cost of funding earning assets | 0.8862% | 404 |
| Net interest margin | 2.7254% | 5,254 |
| Noninterest income to average assets | 0.1488% | 5,207 |
| Noninterest expense to average assets | 1.9989% | 4,961 |
| Loan and lease loss provision to assets | 0.0907% | 2,379 |
| Net operating income to assets | 0.1498% | 5,198 |
| Return on assets (ROA) | 0.2817% | 4,980 |
| Pretax return on assets | 0.8330% | 4,147 |
| Return on Equity (ROE) | 2.7263% | 4,908 |
| Retained earnings to average equity (ytd only) | 2.7263% | 3,682 |
| Net charge-offs to loans | -0.0058% | 4,665 |
| Credit loss provision to net charge-offs | -2,655.5556% | 5,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8442% | 2,090 |
| Assets per employee ($millions) | 8.9506% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 5,353 |
| Loan loss allowance to noncurrent loans | 188.5375% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 4,371 |
| Noncurrent loans to loans | 0.2824% | 3,772 |
| Net loans and leases to total assets | 53.8086% | 4,383 |
| Net loans and leases to deposits | 59.0712% | 4,638 |
| Net loans and leases to core deposits | 82.6365% | 3,185 |
| Total domestic deposits to total assets | 91.0910% | 220 |
| Equity capital to assets | 8.7507% | 4,927 |
| Core capital (leverage) ratio | 8.5114% | 5,129 |
| Tier 1 risk-based capital ratio | 13.7556% | 3,492 |
| Total risk-based capital ratio | 14.2590% | 3,796 |
| Memoranda: | ||
| Average total assets | $263,393,200 | 2,380 |
| Average earning assets | $248,150,000 | 2,358 |
| Average equity | $27,216,400 | 2,533 |
| Average total loans | $155,593,000 | 2,594 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 4,464 |
| Cost of funding earning assets | 0.8380% | 474 |
| Net interest margin | 2.8017% | 5,214 |
| Noninterest income to average assets | 0.1531% | 5,250 |
| Noninterest expense to average assets | 2.0093% | 4,929 |
| Loan and lease loss provision to assets | 0.0530% | 3,044 |
| Net operating income to assets | 0.4558% | 4,868 |
| Return on assets (ROA) | 0.5832% | 4,489 |
| Pretax return on assets | 0.9181% | 3,976 |
| Return on Equity (ROE) | 5.3680% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.3680% | 2,631 |
| Net charge-offs to loans | -0.0062% | 4,503 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4647% | 2,288 |
| Assets per employee ($millions) | 8.4741% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5114% | 5,447 |
| Loan loss allowance to noncurrent loans | 97.4760% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 3,907 |
| Noncurrent loans to loans | 0.5247% | 3,124 |
| Net loans and leases to total assets | 54.7572% | 4,346 |
| Net loans and leases to deposits | 61.1842% | 4,575 |
| Net loans and leases to core deposits | 76.5591% | 3,761 |
| Total domestic deposits to total assets | 89.4957% | 658 |
| Equity capital to assets | 10.2395% | 3,653 |
| Core capital (leverage) ratio | 9.2719% | 4,437 |
| Tier 1 risk-based capital ratio | 15.6014% | 2,670 |
| Total risk-based capital ratio | 16.1012% | 2,913 |
| Memoranda: | ||
| Average total assets | $246,448,500 | 2,531 |
| Average earning assets | $231,189,250 | 2,503 |
| Average equity | $26,775,500 | 2,577 |
| Average total loans | $149,703,000 | 2,676 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 4,446 |
| Cost of funding earning assets | 0.7445% | 705 |
| Net interest margin | 2.8796% | 5,128 |
| Noninterest income to average assets | 0.1969% | 5,062 |
| Noninterest expense to average assets | 1.9677% | 5,041 |
| Loan and lease loss provision to assets | 0.0671% | 2,626 |
| Net operating income to assets | 0.5318% | 4,606 |
| Return on assets (ROA) | 0.5323% | 4,634 |
| Pretax return on assets | 0.8505% | 4,096 |
| Return on Equity (ROE) | 4.7861% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.7861% | 2,860 |
| Net charge-offs to loans | -0.0068% | 4,414 |
| Credit loss provision to net charge-offs | -1,560.0000% | 4,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4419% | 3,106 |
| Assets per employee ($millions) | 8.5257% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5048% | 5,513 |
| Loan loss allowance to noncurrent loans | 94.3780% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 3,600 |
| Noncurrent loans to loans | 0.5349% | 3,153 |
| Net loans and leases to total assets | 58.8340% | 3,938 |
| Net loans and leases to deposits | 65.4961% | 4,261 |
| Net loans and leases to core deposits | 82.2618% | 3,231 |
| Total domestic deposits to total assets | 89.8281% | 591 |
| Equity capital to assets | 9.9986% | 3,913 |
| Core capital (leverage) ratio | 9.2554% | 4,426 |
| Tier 1 risk-based capital ratio | 13.8683% | 3,489 |
| Total risk-based capital ratio | 14.3673% | 3,842 |
| Memoranda: | ||
| Average total assets | $232,558,330 | 2,654 |
| Average earning assets | $217,046,000 | 2,641 |
| Average equity | $25,866,670 | 2,642 |
| Average total loans | $146,745,000 | 2,708 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,197 |
| Cost of funding earning assets | 0.6780% | 944 |
| Net interest margin | 2.9935% | 4,900 |
| Noninterest income to average assets | 0.2012% | 5,063 |
| Noninterest expense to average assets | 2.0638% | 4,915 |
| Loan and lease loss provision to assets | 0.0277% | 3,212 |
| Net operating income to assets | 0.5600% | 4,328 |
| Return on assets (ROA) | 0.5612% | 4,366 |
| Pretax return on assets | 0.8990% | 3,774 |
| Return on Equity (ROE) | 4.7524% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.7524% | 3,036 |
| Net charge-offs to loans | -0.0028% | 4,050 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2520% | 3,156 |
| Assets per employee ($millions) | 9.0968% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4954% | 5,598 |
| Loan loss allowance to noncurrent loans | 86.0548% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 3,427 |
| Noncurrent loans to loans | 0.5757% | 3,082 |
| Net loans and leases to total assets | 63.7616% | 3,306 |
| Net loans and leases to deposits | 72.1111% | 3,601 |
| Net loans and leases to core deposits | 85.9758% | 2,713 |
| Total domestic deposits to total assets | 88.4214% | 1,474 |
| Equity capital to assets | 11.3948% | 2,265 |
| Core capital (leverage) ratio | 10.2266% | 3,211 |
| Tier 1 risk-based capital ratio | 14.8876% | 3,019 |
| Total risk-based capital ratio | 15.3890% | 3,315 |
| Memoranda: | ||
| Average total assets | $216,688,500 | 2,820 |
| Average earning assets | $201,770,500 | 2,816 |
| Average equity | $25,587,000 | 2,676 |
| Average total loans | $141,974,500 | 2,787 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6885% | 4,247 |
| Cost of funding earning assets | 0.5881% | 1,425 |
| Net interest margin | 3.1004% | 4,723 |
| Noninterest income to average assets | 0.1692% | 5,376 |
| Noninterest expense to average assets | 2.4631% | 4,120 |
| Loan and lease loss provision to assets | 0.0898% | 2,574 |
| Net operating income to assets | 0.3158% | 5,180 |
| Return on assets (ROA) | 0.3162% | 5,250 |
| Pretax return on assets | 0.4986% | 5,028 |
| Return on Equity (ROE) | 2.6579% | 5,254 |
| Retained earnings to average equity (ytd only) | 2.6579% | 4,010 |
| Net charge-offs to loans | 0.0154% | 3,779 |
| Credit loss provision to net charge-offs | 826.3158% | 444 |
| Earnings coverage of net charge-offs (x) | 54.1053% | 963 |
| Efficiency ratio | 79.7414% | 1,448 |
| Assets per employee ($millions) | 8.2383% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5108% | 5,648 |
| Loan loss allowance to noncurrent loans | 84.1478% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 3,186 |
| Noncurrent loans to loans | 0.6070% | 3,028 |
| Net loans and leases to total assets | 66.7685% | 2,962 |
| Net loans and leases to deposits | 76.2997% | 3,288 |
| Net loans and leases to core deposits | 90.8878% | 2,417 |
| Total domestic deposits to total assets | 87.5081% | 1,874 |
| Equity capital to assets | 12.2646% | 1,652 |
| Core capital (leverage) ratio | 11.5427% | 1,900 |
| Tier 1 risk-based capital ratio | 16.0560% | 2,517 |
| Total risk-based capital ratio | 16.6005% | 2,745 |
| Memoranda: | ||
| Average total assets | $174,904,000 | 3,219 |
| Average earning assets | $162,559,800 | 3,200 |
| Average equity | $20,805,800 | 3,084 |
| Average total loans | $123,386,800 | 3,023 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 4,013 |
| Cost of funding earning assets | 0.5894% | 1,414 |
| Net interest margin | 3.1820% | 4,532 |
| Noninterest income to average assets | 0.1292% | 5,604 |
| Noninterest expense to average assets | 2.5958% | 3,678 |
| Loan and lease loss provision to assets | 0.0495% | 3,256 |
| Net operating income to assets | 0.2744% | 5,333 |
| Return on assets (ROA) | 0.2744% | 5,419 |
| Pretax return on assets | 0.4427% | 5,241 |
| Return on Equity (ROE) | 2.3291% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.3291% | 4,528 |
| Net charge-offs to loans | -0.0078% | 4,709 |
| Credit loss provision to net charge-offs | -885.7143% | 5,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0276% | 1,072 |
| Assets per employee ($millions) | 7.2081% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5002% | 5,727 |
| Loan loss allowance to noncurrent loans | 70.8565% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 3,034 |
| Noncurrent loans to loans | 0.7059% | 2,921 |
| Net loans and leases to total assets | 70.3196% | 2,449 |
| Net loans and leases to deposits | 81.1790% | 2,831 |
| Net loans and leases to core deposits | 89.4882% | 2,627 |
| Total domestic deposits to total assets | 86.6229% | 2,074 |
| Equity capital to assets | 13.1224% | 1,429 |
| Core capital (leverage) ratio | 11.0825% | 2,369 |
| Tier 1 risk-based capital ratio | 16.7992% | 2,297 |
| Total risk-based capital ratio | 17.3704% | 2,527 |
| Memoranda: | ||
| Average total assets | $167,140,500 | 3,332 |
| Average earning assets | $155,414,000 | 3,319 |
| Average equity | $19,692,250 | 3,224 |
| Average total loans | $119,678,250 | 3,082 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7544% | 4,111 |
| Cost of funding earning assets | 0.5733% | 1,518 |
| Net interest margin | 3.1811% | 4,606 |
| Noninterest income to average assets | 0.1351% | 5,636 |
| Noninterest expense to average assets | 2.6943% | 3,416 |
| Loan and lease loss provision to assets | 0.0344% | 3,463 |
| Net operating income to assets | 0.2285% | 5,473 |
| Return on assets (ROA) | 0.2285% | 5,535 |
| Pretax return on assets | 0.3649% | 5,397 |
| Return on Equity (ROE) | 2.0246% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.0246% | 4,548 |
| Net charge-offs to loans | -0.0085% | 4,658 |
| Credit loss provision to net charge-offs | -560.0000% | 4,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0604% | 877 |
| Assets per employee ($millions) | 7.0413% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4932% | 5,805 |
| Loan loss allowance to noncurrent loans | 69.1600% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 2,965 |
| Noncurrent loans to loans | 0.7131% | 2,941 |
| Net loans and leases to total assets | 71.7559% | 2,212 |
| Net loans and leases to deposits | 82.1913% | 2,683 |
| Net loans and leases to core deposits | 90.2575% | 2,512 |
| Total domestic deposits to total assets | 87.3035% | 1,753 |
| Equity capital to assets | 12.4587% | 1,801 |
| Core capital (leverage) ratio | 10.4168% | 3,055 |
| Tier 1 risk-based capital ratio | 15.0017% | 3,077 |
| Total risk-based capital ratio | 15.5580% | 3,354 |
| Memoranda: | ||
| Average total assets | $162,786,330 | 3,404 |
| Average earning assets | $151,394,000 | 3,389 |
| Average equity | $18,374,000 | 3,387 |
| Average total loans | $117,119,330 | 3,127 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 3,916 |
| Cost of funding earning assets | 0.5698% | 1,542 |
| Net interest margin | 3.2376% | 4,445 |
| Noninterest income to average assets | 0.1427% | 5,630 |
| Noninterest expense to average assets | 2.7692% | 3,189 |
| Loan and lease loss provision to assets | 0.0150% | 3,493 |
| Net operating income to assets | 0.2178% | 5,492 |
| Return on assets (ROA) | 0.2178% | 5,553 |
| Pretax return on assets | 0.3605% | 5,378 |
| Return on Equity (ROE) | 2.0346% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.0346% | 4,444 |
| Net charge-offs to loans | -0.0349% | 5,129 |
| Credit loss provision to net charge-offs | -60.0000% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0223% | 887 |
| Assets per employee ($millions) | 7.0657% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5076% | 5,859 |
| Loan loss allowance to noncurrent loans | 67.2037% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7926% | 2,716 |
| Noncurrent loans to loans | 0.7554% | 2,946 |
| Net loans and leases to total assets | 70.4315% | 2,277 |
| Net loans and leases to deposits | 79.3466% | 2,875 |
| Net loans and leases to core deposits | 86.6385% | 2,694 |
| Total domestic deposits to total assets | 88.7645% | 1,222 |
| Equity capital to assets | 11.0294% | 2,905 |
| Core capital (leverage) ratio | 8.5777% | 5,317 |
| Tier 1 risk-based capital ratio | 12.7267% | 4,446 |
| Total risk-based capital ratio | 13.2937% | 4,803 |
| Memoranda: | ||
| Average total assets | $159,757,000 | 3,454 |
| Average earning assets | $148,134,000 | 3,447 |
| Average equity | $17,104,500 | 3,569 |
| Average total loans | $114,748,000 | 3,170 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 3,764 |
| Cost of funding earning assets | 0.5740% | 1,565 |
| Net interest margin | 3.3099% | 4,256 |
| Noninterest income to average assets | 0.2062% | 5,360 |
| Noninterest expense to average assets | 2.8025% | 3,219 |
| Loan and lease loss provision to assets | 0.1469% | 1,604 |
| Net operating income to assets | 2.5033% | 151 |
| Return on assets (ROA) | 2.5078% | 151 |
| Pretax return on assets | 0.3306% | 5,457 |
| Return on Equity (ROE) | 23.4941% | 123 |
| Retained earnings to average equity (ytd only) | 23.4941% | 46 |
| Net charge-offs to loans | 0.0631% | 2,965 |
| Credit loss provision to net charge-offs | 316.1290% | 939 |
| Earnings coverage of net charge-offs (x) | 10.1774% | 2,723 |
| Efficiency ratio | 84.2985% | 1,152 |
| Assets per employee ($millions) | 6.0386% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4963% | 5,923 |
| Loan loss allowance to noncurrent loans | 215.1515% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 3,740 |
| Noncurrent loans to loans | 0.2307% | 4,599 |
| Net loans and leases to total assets | 72.5368% | 1,963 |
| Net loans and leases to deposits | 81.0702% | 2,700 |
| Net loans and leases to core deposits | 88.1292% | 2,588 |
| Total domestic deposits to total assets | 89.4741% | 872 |
| Equity capital to assets | 10.3724% | 3,538 |
| Core capital (leverage) ratio | 7.7234% | 5,932 |
| Tier 1 risk-based capital ratio | 11.1256% | 5,458 |
| Total risk-based capital ratio | 11.6738% | 5,734 |
| Memoranda: | ||
| Average total assets | $133,382,000 | 3,823 |
| Average earning assets | $123,688,800 | 3,802 |
| Average equity | $14,237,600 | 3,940 |
| Average total loans | $98,196,200 | 3,418 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 3,781 |
| Cost of funding earning assets | 0.5654% | 1,665 |
| Net interest margin | 3.3216% | 4,252 |
| Noninterest income to average assets | 0.2165% | 5,361 |
| Noninterest expense to average assets | 2.8376% | 3,046 |
| Loan and lease loss provision to assets | 0.1402% | 1,582 |
| Net operating income to assets | 3.4149% | 66 |
| Return on assets (ROA) | 3.4212% | 65 |
| Pretax return on assets | 0.3295% | 5,598 |
| Return on Equity (ROE) | 31.7740% | 45 |
| Retained earnings to average equity (ytd only) | 31.7740% | 24 |
| Net charge-offs to loans | 0.0269% | 3,406 |
| Credit loss provision to net charge-offs | 705.2632% | 488 |
| Earnings coverage of net charge-offs (x) | 23.3182% | 1,741 |
| Efficiency ratio | 84.6324% | 1,110 |
| Assets per employee ($millions) | 6.1989% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4966% | 6,022 |
| Loan loss allowance to noncurrent loans | 132.6087% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 3,425 |
| Noncurrent loans to loans | 0.3745% | 4,274 |
| Net loans and leases to total assets | 73.9408% | 1,739 |
| Net loans and leases to deposits | 83.2065% | 2,507 |
| Net loans and leases to core deposits | 90.6390% | 2,397 |
| Total domestic deposits to total assets | 88.8642% | 1,091 |
| Equity capital to assets | 10.9623% | 3,069 |
| Core capital (leverage) ratio | 8.4342% | 5,600 |
| Tier 1 risk-based capital ratio | 11.6692% | 5,282 |
| Total risk-based capital ratio | 12.2312% | 5,569 |
| Memoranda: | ||
| Average total assets | $127,476,750 | 3,983 |
| Average earning assets | $118,372,750 | 3,951 |
| Average equity | $13,725,750 | 4,063 |
| Average total loans | $94,132,000 | 3,529 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8943% | 3,715 |
| Cost of funding earning assets | 0.5561% | 1,768 |
| Net interest margin | 3.3382% | 4,145 |
| Noninterest income to average assets | 0.1894% | 5,553 |
| Noninterest expense to average assets | 3.0105% | 2,522 |
| Loan and lease loss provision to assets | 0.0582% | 2,940 |
| Net operating income to assets | 0.2226% | 5,642 |
| Return on assets (ROA) | 0.2226% | 5,713 |
| Pretax return on assets | 0.2226% | 5,780 |
| Return on Equity (ROE) | 2.0832% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.0832% | 4,663 |
| Net charge-offs to loans | -0.0338% | 5,375 |
| Credit loss provision to net charge-offs | -233.3333% | 5,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0050% | 751 |
| Assets per employee ($millions) | 5.8052% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4862% | 6,099 |
| Loan loss allowance to noncurrent loans | 107.0796% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 2,730 |
| Noncurrent loans to loans | 0.4541% | 4,112 |
| Net loans and leases to total assets | 74.1932% | 1,629 |
| Net loans and leases to deposits | 82.5462% | 2,489 |
| Net loans and leases to core deposits | 90.5230% | 2,297 |
| Total domestic deposits to total assets | 89.8808% | 708 |
| Equity capital to assets | 9.8990% | 4,161 |
| Core capital (leverage) ratio | 9.2745% | 4,587 |
| Tier 1 risk-based capital ratio | 12.8768% | 4,584 |
| Total risk-based capital ratio | 13.4327% | 4,913 |
| Memoranda: | ||
| Average total assets | $120,378,000 | 4,147 |
| Average earning assets | $111,856,330 | 4,120 |
| Average equity | $12,864,670 | 4,228 |
| Average total loans | $88,658,330 | 3,671 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 3,478 |
| Cost of funding earning assets | 0.5574% | 1,777 |
| Net interest margin | 3.3786% | 3,922 |
| Noninterest income to average assets | 0.2003% | 5,518 |
| Noninterest expense to average assets | 3.1211% | 2,202 |
| Loan and lease loss provision to assets | 0.0351% | 3,200 |
| Net operating income to assets | 0.1757% | 5,735 |
| Return on assets (ROA) | 0.1757% | 5,812 |
| Pretax return on assets | 0.1757% | 5,858 |
| Return on Equity (ROE) | 1.5762% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.5762% | 4,843 |
| Net charge-offs to loans | -0.0336% | 5,320 |
| Credit loss provision to net charge-offs | -142.8571% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1941% | 698 |
| Assets per employee ($millions) | 5.0153% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5332% | 6,143 |
| Loan loss allowance to noncurrent loans | 90.7445% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1079% | 2,420 |
| Noncurrent loans to loans | 0.5876% | 3,817 |
| Net loans and leases to total assets | 72.9365% | 1,666 |
| Net loans and leases to deposits | 82.5651% | 2,271 |
| Net loans and leases to core deposits | 90.6195% | 2,074 |
| Total domestic deposits to total assets | 88.3382% | 1,640 |
| Equity capital to assets | 11.4390% | 2,522 |
| Core capital (leverage) ratio | 9.9028% | 3,742 |
| Tier 1 risk-based capital ratio | 14.9120% | 3,478 |
| Total risk-based capital ratio | 15.5167% | 3,772 |
| Memoranda: | ||
| Average total assets | $113,807,500 | 4,290 |
| Average earning assets | $105,487,500 | 4,262 |
| Average equity | $12,688,500 | 4,288 |
| Average total loans | $83,214,500 | 3,815 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0887% | 3,365 |
| Cost of funding earning assets | 0.5908% | 1,853 |
| Net interest margin | 3.4979% | 3,808 |
| Noninterest income to average assets | 0.2055% | 5,628 |
| Noninterest expense to average assets | 3.5980% | 1,311 |
| Loan and lease loss provision to assets | 0.1370% | 1,922 |
| Net operating income to assets | -0.3220% | 6,248 |
| Return on assets (ROA) | -0.3220% | 6,243 |
| Pretax return on assets | -0.3220% | 6,228 |
| Return on Equity (ROE) | -2.8826% | 6,242 |
| Retained earnings to average equity (ytd only) | -2.8826% | 6,081 |
| Net charge-offs to loans | 0.1500% | 2,534 |
| Credit loss provision to net charge-offs | 128.8462% | 1,855 |
| Earnings coverage of net charge-offs (x) | -1.7404% | 4,831 |
| Efficiency ratio | 103.5340% | 299 |
| Assets per employee ($millions) | 4.8810% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5303% | 6,222 |
| Loan loss allowance to noncurrent loans | 75.7417% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 2,330 |
| Noncurrent loans to loans | 0.7001% | 3,583 |
| Net loans and leases to total assets | 72.5175% | 1,828 |
| Net loans and leases to deposits | 81.5390% | 2,534 |
| Net loans and leases to core deposits | 92.1116% | 2,074 |
| Total domestic deposits to total assets | 88.9359% | 1,271 |
| Equity capital to assets | 10.8512% | 3,058 |
| Core capital (leverage) ratio | 9.6272% | 4,062 |
| Tier 1 risk-based capital ratio | 13.5539% | 4,382 |
| Total risk-based capital ratio | 14.1399% | 4,713 |
| Memoranda: | ||
| Average total assets | $97,831,400 | 4,652 |
| Average earning assets | $89,711,000 | 4,659 |
| Average equity | $10,927,800 | 4,578 |
| Average total loans | $69,323,200 | 4,205 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,586 |
| Cost of funding earning assets | 0.6049% | 1,788 |
| Net interest margin | 3.4376% | 4,082 |
| Noninterest income to average assets | 0.2009% | 5,722 |
| Noninterest expense to average assets | 3.7216% | 1,089 |
| Loan and lease loss provision to assets | 0.1684% | 1,466 |
| Net operating income to assets | -0.5448% | 6,381 |
| Return on assets (ROA) | -0.5448% | 6,378 |
| Pretax return on assets | -0.5448% | 6,368 |
| Return on Equity (ROE) | -4.8361% | 6,367 |
| Retained earnings to average equity (ytd only) | -4.8361% | 6,249 |
| Net charge-offs to loans | 0.2095% | 1,797 |
| Credit loss provision to net charge-offs | 114.4231% | 1,985 |
| Earnings coverage of net charge-offs (x) | -2.5578% | 4,584 |
| Efficiency ratio | 109.1794% | 227 |
| Assets per employee ($millions) | 4.7039% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 6,284 |
| Loan loss allowance to noncurrent loans | 83.4661% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2707% | 2,421 |
| Noncurrent loans to loans | 0.6586% | 3,966 |
| Net loans and leases to total assets | 73.2464% | 1,639 |
| Net loans and leases to deposits | 82.4296% | 2,371 |
| Net loans and leases to core deposits | 91.5779% | 2,068 |
| Total domestic deposits to total assets | 88.8593% | 1,327 |
| Equity capital to assets | 10.8808% | 3,084 |
| Core capital (leverage) ratio | 9.2897% | 4,651 |
| Tier 1 risk-based capital ratio | 13.1395% | 4,772 |
| Total risk-based capital ratio | 13.7457% | 5,109 |
| Memoranda: | ||
| Average total assets | $94,223,250 | 4,791 |
| Average earning assets | $86,182,000 | 4,783 |
| Average equity | $10,614,250 | 4,669 |
| Average total loans | $66,192,750 | 4,326 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,662 |
| Cost of funding earning assets | 0.6225% | 1,710 |
| Net interest margin | 3.3951% | 4,199 |
| Noninterest income to average assets | 0.2985% | 5,024 |
| Noninterest expense to average assets | 3.8799% | 872 |
| Loan and lease loss provision to assets | 0.2107% | 1,125 |
| Net operating income to assets | -0.7044% | 6,485 |
| Return on assets (ROA) | -0.7044% | 6,482 |
| Pretax return on assets | -0.7044% | 6,471 |
| Return on Equity (ROE) | -6.1737% | 6,462 |
| Retained earnings to average equity (ytd only) | -6.1737% | 6,304 |
| Net charge-offs to loans | 0.3373% | 1,205 |
| Credit loss provision to net charge-offs | 90.5660% | 2,170 |
| Earnings coverage of net charge-offs (x) | -2.1226% | 4,245 |
| Efficiency ratio | 112.3785% | 203 |
| Assets per employee ($millions) | 4.4985% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5749% | 6,345 |
| Loan loss allowance to noncurrent loans | 77.2549% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.1452% | 1,435 |
| Noncurrent loans to loans | 0.7442% | 3,838 |
| Net loans and leases to total assets | 68.8492% | 2,267 |
| Net loans and leases to deposits | 77.5432% | 2,859 |
| Net loans and leases to core deposits | 84.1761% | 2,720 |
| Total domestic deposits to total assets | 88.7882% | 1,479 |
| Equity capital to assets | 10.9693% | 2,906 |
| Core capital (leverage) ratio | 9.2920% | 4,603 |
| Tier 1 risk-based capital ratio | 13.5096% | 4,570 |
| Total risk-based capital ratio | 14.1233% | 4,932 |
| Memoranda: | ||
| Average total assets | $91,136,000 | 4,904 |
| Average earning assets | $82,885,330 | 4,907 |
| Average equity | $10,399,000 | 4,726 |
| Average total loans | $62,851,000 | 4,459 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 3,922 |
| Cost of funding earning assets | 0.6350% | 1,688 |
| Net interest margin | 3.3070% | 4,507 |
| Noninterest income to average assets | 0.2752% | 5,167 |
| Noninterest expense to average assets | 3.9440% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.6833% | 6,517 |
| Return on assets (ROA) | -0.6833% | 6,516 |
| Pretax return on assets | -0.6833% | 6,502 |
| Return on Equity (ROE) | -5.8601% | 6,485 |
| Retained earnings to average equity (ytd only) | -5.8994% | 6,173 |
| Net charge-offs to loans | 0.0333% | 2,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -29.8000% | 3,631 |
| Efficiency ratio | 118.5654% | 183 |
| Assets per employee ($millions) | 4.0266% | 3,897 |
| Cash dividends to net income (ytd only)* | -0.6711% | 6,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6329% | 6,365 |
| Loan loss allowance to noncurrent loans | 48.4812% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.4146% | 1,336 |
| Noncurrent loans to loans | 1.3054% | 2,844 |
| Net loans and leases to total assets | 70.7185% | 1,773 |
| Net loans and leases to deposits | 80.4205% | 2,237 |
| Net loans and leases to core deposits | 87.9551% | 2,102 |
| Total domestic deposits to total assets | 87.9359% | 2,264 |
| Equity capital to assets | 11.7582% | 2,046 |
| Core capital (leverage) ratio | 9.7920% | 3,873 |
| Tier 1 risk-based capital ratio | 13.8788% | 4,411 |
| Total risk-based capital ratio | 14.5529% | 4,753 |
| Memoranda: | ||
| Average total assets | $87,220,500 | 5,040 |
| Average earning assets | $78,742,000 | 5,056 |
| Average equity | $10,170,500 | 4,784 |
| Average total loans | $60,010,500 | 4,588 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 782 |
| Cost of funding earning assets | 0.4925% | 3,681 |
| Net interest margin | 4.5924% | 622 |
| Noninterest income to average assets | 0.7381% | 2,342 |
| Noninterest expense to average assets | 4.9237% | 366 |
| Loan and lease loss provision to assets | 0.7303% | 306 |
| Net operating income to assets | -0.8811% | 6,583 |
| Return on assets (ROA) | -0.8811% | 6,585 |
| Pretax return on assets | -0.8811% | 6,570 |
| Return on Equity (ROE) | -6.4508% | 6,521 |
| Retained earnings to average equity (ytd only) | -6.4508% | 6,432 |
| Net charge-offs to loans | 0.4096% | 1,642 |
| Credit loss provision to net charge-offs | 266.3507% | 852 |
| Earnings coverage of net charge-offs (x) | -0.5498% | 5,207 |
| Efficiency ratio | 101.1435% | 447 |
| Assets per employee ($millions) | 3.9025% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7091% | 6,333 |
| Loan loss allowance to noncurrent loans | 48.5577% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 2.5019% | 1,370 |
| Noncurrent loans to loans | 1.4603% | 2,705 |
| Net loans and leases to total assets | 65.8917% | 2,705 |
| Net loans and leases to deposits | 74.7032% | 3,157 |
| Net loans and leases to core deposits | 81.9065% | 2,904 |
| Total domestic deposits to total assets | 88.2047% | 2,053 |
| Equity capital to assets | 11.5601% | 2,122 |
| Core capital (leverage) ratio | 9.5703% | 4,154 |
| Tier 1 risk-based capital ratio | 14.3402% | 4,056 |
| Total risk-based capital ratio | 15.0920% | 4,355 |
| Memoranda: | ||
| Average total assets | $76,953,600 | 5,305 |
| Average earning assets | $67,611,800 | 5,356 |
| Average equity | $10,510,400 | 4,740 |
| Average total loans | $51,508,200 | 4,917 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 433 |
| Cost of funding earning assets | 0.4298% | 4,508 |
| Net interest margin | 4.9799% | 330 |
| Noninterest income to average assets | 1.0259% | 1,384 |
| Noninterest expense to average assets | 5.0511% | 325 |
| Loan and lease loss provision to assets | 0.8065% | 241 |
| Net operating income to assets | -0.5031% | 6,600 |
| Return on assets (ROA) | -0.5031% | 6,612 |
| Pretax return on assets | -0.4907% | 6,595 |
| Return on Equity (ROE) | -3.5282% | 6,548 |
| Retained earnings to average equity (ytd only) | -3.5282% | 6,395 |
| Net charge-offs to loans | 0.4680% | 1,373 |
| Credit loss provision to net charge-offs | 256.8182% | 967 |
| Earnings coverage of net charge-offs (x) | 1.0057% | 4,510 |
| Efficiency ratio | 92.1875% | 843 |
| Assets per employee ($millions) | 3.3335% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5974% | 6,563 |
| Loan loss allowance to noncurrent loans | 35.6833% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 3.1003% | 1,183 |
| Noncurrent loans to loans | 1.6743% | 2,679 |
| Net loans and leases to total assets | 71.3956% | 1,707 |
| Net loans and leases to deposits | 82.7623% | 2,038 |
| Net loans and leases to core deposits | 87.2098% | 2,256 |
| Total domestic deposits to total assets | 86.2658% | 3,098 |
| Equity capital to assets | 13.4851% | 1,119 |
| Core capital (leverage) ratio | 10.8658% | 2,605 |
| Tier 1 risk-based capital ratio | 15.1581% | 3,653 |
| Total risk-based capital ratio | 15.7755% | 4,013 |
| Memoranda: | ||
| Average total assets | $74,728,000 | 5,411 |
| Average earning assets | $65,139,750 | 5,482 |
| Average equity | $10,656,750 | 4,764 |
| Average total loans | $50,141,250 | 4,995 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9018% | 65 |
| Cost of funding earning assets | 0.3187% | 5,673 |
| Net interest margin | 6.5831% | 55 |
| Noninterest income to average assets | 0.7667% | 2,344 |
| Noninterest expense to average assets | 5.2564% | 296 |
| Loan and lease loss provision to assets | 0.5562% | 473 |
| Net operating income to assets | 0.7343% | 3,643 |
| Return on assets (ROA) | 0.7343% | 3,801 |
| Pretax return on assets | 0.7532% | 4,496 |
| Return on Equity (ROE) | 5.0545% | 4,703 |
| Retained earnings to average equity (ytd only) | 5.0545% | 3,022 |
| Net charge-offs to loans | 0.2516% | 2,217 |
| Credit loss provision to net charge-offs | 337.7049% | 770 |
| Earnings coverage of net charge-offs (x) | 7.9508% | 2,476 |
| Efficiency ratio | 78.4128% | 2,391 |
| Assets per employee ($millions) | 3.2152% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4033% | 6,771 |
| Loan loss allowance to noncurrent loans | 9.9149% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 4.9803% | 619 |
| Noncurrent loans to loans | 4.0678% | 947 |
| Net loans and leases to total assets | 63.3650% | 3,033 |
| Net loans and leases to deposits | 73.9657% | 3,164 |
| Net loans and leases to core deposits | 77.3129% | 3,381 |
| Total domestic deposits to total assets | 85.6682% | 3,548 |
| Equity capital to assets | 14.1154% | 934 |
| Core capital (leverage) ratio | 11.3850% | 2,029 |
| Tier 1 risk-based capital ratio | 16.8944% | 2,746 |
| Total risk-based capital ratio | 17.3013% | 3,105 |
| Memoranda: | ||
| Average total assets | $74,080,670 | 5,461 |
| Average earning assets | $65,258,330 | 5,521 |
| Average equity | $10,762,670 | 4,777 |
| Average total loans | $48,499,000 | 5,085 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8332% | 46 |
| Cost of funding earning assets | 0.1506% | 6,799 |
| Net interest margin | 7.6826% | 37 |
| Noninterest income to average assets | 0.3253% | 5,103 |
| Noninterest expense to average assets | 5.2220% | 317 |
| Loan and lease loss provision to assets | 1.1029% | 154 |
| Net operating income to assets | 0.7499% | 3,433 |
| Return on assets (ROA) | 0.7499% | 3,569 |
| Pretax return on assets | 0.7499% | 4,371 |
| Return on Equity (ROE) | 5.0851% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.0851% | 3,184 |
| Net charge-offs to loans | 0.3319% | 1,643 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 8.4000% | 1,951 |
| Efficiency ratio | 72.2525% | 3,568 |
| Assets per employee ($millions) | 3.1520% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4350% | 6,836 |
| Loan loss allowance to noncurrent loans | 10.1905% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 5.6156% | 606 |
| Noncurrent loans to loans | 4.2684% | 1,010 |
| Net loans and leases to total assets | 67.5702% | 2,096 |
| Net loans and leases to deposits | 79.8686% | 2,093 |
| Net loans and leases to core deposits | 83.4725% | 2,394 |
| Total domestic deposits to total assets | 84.6017% | 4,224 |
| Equity capital to assets | 14.8396% | 796 |
| Core capital (leverage) ratio | 12.0786% | 1,521 |
| Tier 1 risk-based capital ratio | 16.5775% | 2,964 |
| Total risk-based capital ratio | 17.0048% | 3,356 |
| Memoranda: | ||
| Average total assets | $72,539,000 | 5,544 |
| Average earning assets | $63,728,500 | 5,623 |
| Average equity | $10,698,000 | 4,839 |
| Average total loans | $48,202,000 | 5,125 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9877% | 6,989 |
| Cost of funding earning assets | 0.2548% | 6,650 |
| Net interest margin | 1.7329% | 6,970 |
| Noninterest income to average assets | 0.3230% | 5,150 |
| Noninterest expense to average assets | 2.2786% | 5,747 |
| Loan and lease loss provision to assets | 0.0687% | 4,889 |
| Net operating income to assets | -0.4933% | 6,564 |
| Return on assets (ROA) | -0.4933% | 6,603 |
| Pretax return on assets | -0.4933% | 6,567 |
| Return on Equity (ROE) | -7.4080% | 6,667 |
| Retained earnings to average equity (ytd only) | -7.4080% | 6,545 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6447% | 208 |
| Assets per employee ($millions) | 3.1558% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1144% | 6,985 |
| Loan loss allowance to noncurrent loans | 1.6870% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 7.1766% | 423 |
| Noncurrent loans to loans | 6.7811% | 480 |
| Net loans and leases to total assets | 64.9615% | 2,730 |
| Net loans and leases to deposits | 76.5115% | 2,716 |
| Net loans and leases to core deposits | 81.2990% | 2,849 |
| Total domestic deposits to total assets | 84.9042% | 3,904 |
| Equity capital to assets | 14.6563% | 833 |
| Core capital (leverage) ratio | 10.6936% | 2,551 |
| Tier 1 risk-based capital ratio | 16.3799% | 2,949 |
| Total risk-based capital ratio | 16.4909% | 3,533 |
| Memoranda: | ||
| Average total assets | $78,646,400 | 5,394 |
| Average earning assets | $69,478,200 | 5,450 |
| Average equity | $5,237,600 | 6,229 |
| Average total loans | $50,881,200 | 5,074 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0076% | 7,157 |
| Cost of funding earning assets | 0.2364% | 6,861 |
| Net interest margin | 0.7712% | 7,155 |
| Noninterest income to average assets | 0.1231% | 6,518 |
| Noninterest expense to average assets | 0.9880% | 7,120 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1813% | 6,487 |
| Return on assets (ROA) | -0.1813% | 6,557 |
| Pretax return on assets | -0.1813% | 6,532 |
| Return on Equity (ROE) | -3.7384% | 6,663 |
| Retained earnings to average equity (ytd only) | -3.7384% | 6,532 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.4742% | 179 |
| Assets per employee ($millions) | 4.6591% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 8.3253% | 359 |
| Noncurrent loans to loans | 11.7609% | 175 |
| Net loans and leases to total assets | 54.4278% | 4,684 |
| Net loans and leases to deposits | 72.3208% | 3,561 |
| Net loans and leases to core deposits | 77.7748% | 3,489 |
| Total domestic deposits to total assets | 75.2588% | 6,482 |
| Equity capital to assets | 13.7708% | 1,246 |
| Core capital (leverage) ratio | 10.6728% | 2,730 |
| Tier 1 risk-based capital ratio | 19.1263% | 1,970 |
| Total risk-based capital ratio | 19.1263% | 2,366 |
| Memoranda: | ||
| Average total assets | $80,162,250 | 5,397 |
| Average earning assets | $71,057,750 | 5,457 |
| Average equity | $3,887,500 | 6,674 |
| Average total loans | $51,800,250 | 5,084 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 5,893 |
| Cost of funding earning assets | 1.2582% | 626 |
| Net interest margin | 2.6485% | 6,774 |
| Noninterest income to average assets | -0.3504% | 7,167 |
| Noninterest expense to average assets | 4.2768% | 665 |
| Loan and lease loss provision to assets | 0.0298% | 5,297 |
| Net operating income to assets | -2.3136% | 7,111 |
| Return on assets (ROA) | -2.3136% | 7,117 |
| Pretax return on assets | -2.3136% | 7,101 |
| Return on Equity (ROE) | -120.3099% | 7,214 |
| Retained earnings to average equity (ytd only) | -120.3099% | 7,212 |
| Net charge-offs to loans | 2.3694% | 308 |
| Credit loss provision to net charge-offs | 1.8519% | 4,801 |
| Earnings coverage of net charge-offs (x) | -1.4182% | 5,348 |
| Efficiency ratio | 214.5885% | 33 |
| Assets per employee ($millions) | 5.0819% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0993% | 46 |
| Loan loss allowance to noncurrent loans | 65.1933% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 11.4589% | 199 |
| Noncurrent loans to loans | 10.8896% | 221 |
| Net loans and leases to total assets | 62.5379% | 3,331 |
| Net loans and leases to deposits | 73.0919% | 3,442 |
| Net loans and leases to core deposits | 78.1611% | 3,491 |
| Total domestic deposits to total assets | 85.5606% | 3,582 |
| Equity capital to assets | 1.4351% | 7,232 |
| Core capital (leverage) ratio | 1.3718% | 7,234 |
| Tier 1 risk-based capital ratio | 2.1356% | 7,232 |
| Total risk-based capital ratio | 3.4581% | 7,232 |
| Memoranda: | ||
| Average total assets | $80,481,670 | 5,421 |
| Average earning assets | $71,210,330 | 5,485 |
| Average equity | $1,547,670 | 7,170 |
| Average total loans | $54,697,330 | 4,999 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 5,699 |
| Cost of funding earning assets | 1.2443% | 799 |
| Net interest margin | 2.7749% | 6,670 |
| Noninterest income to average assets | 0.5423% | 3,615 |
| Noninterest expense to average assets | 4.4790% | 562 |
| Loan and lease loss provision to assets | 0.0533% | 4,744 |
| Net operating income to assets | -1.5495% | 7,096 |
| Return on assets (ROA) | -1.5495% | 7,105 |
| Pretax return on assets | -1.5495% | 7,084 |
| Return on Equity (ROE) | -72.1330% | 7,255 |
| Retained earnings to average equity (ytd only) | -72.1330% | 7,249 |
| Net charge-offs to loans | 2.4473% | 342 |
| Credit loss provision to net charge-offs | 3.1884% | 3,971 |
| Earnings coverage of net charge-offs (x) | -0.8957% | 4,545 |
| Efficiency ratio | 150.1623% | 104 |
| Assets per employee ($millions) | 5.0029% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2689% | 46 |
| Loan loss allowance to noncurrent loans | 77.7953% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 11.1272% | 240 |
| Noncurrent loans to loans | 9.3437% | 347 |
| Net loans and leases to total assets | 62.8718% | 3,078 |
| Net loans and leases to deposits | 73.7554% | 3,151 |
| Net loans and leases to core deposits | 79.3288% | 3,132 |
| Total domestic deposits to total assets | 85.2437% | 3,914 |
| Equity capital to assets | 2.1375% | 7,274 |
| Core capital (leverage) ratio | 2.0554% | 7,279 |
| Tier 1 risk-based capital ratio | 3.1426% | 7,272 |
| Total risk-based capital ratio | 4.4679% | 7,272 |
| Memoranda: | ||
| Average total assets | $82,608,000 | 5,397 |
| Average earning assets | $72,650,000 | 5,477 |
| Average equity | $1,774,500 | 7,186 |
| Average total loans | $56,388,500 | 4,968 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 6,528 |
| Cost of funding earning assets | 1.4861% | 755 |
| Net interest margin | 2.4741% | 7,068 |
| Noninterest income to average assets | 0.0477% | 6,844 |
| Noninterest expense to average assets | 4.1279% | 881 |
| Loan and lease loss provision to assets | 3.8863% | 57 |
| Net operating income to assets | -5.7346% | 7,319 |
| Return on assets (ROA) | -5.7346% | 7,319 |
| Pretax return on assets | -5.7346% | 7,322 |
| Return on Equity (ROE) | -262.2117% | 7,351 |
| Retained earnings to average equity (ytd only) | -262.2117% | 7,351 |
| Net charge-offs to loans | 2.3909% | 505 |
| Credit loss provision to net charge-offs | 228.1892% | 1,062 |
| Earnings coverage of net charge-offs (x) | -1.0853% | 6,206 |
| Efficiency ratio | 181.0786% | 78 |
| Assets per employee ($millions) | 3.7030% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3139% | 42 |
| Loan loss allowance to noncurrent loans | 81.0417% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 11.2071% | 256 |
| Noncurrent loans to loans | 9.0249% | 391 |
| Net loans and leases to total assets | 63.6687% | 3,256 |
| Net loans and leases to deposits | 73.9852% | 3,501 |
| Net loans and leases to core deposits | 78.8684% | 3,585 |
| Total domestic deposits to total assets | 86.0560% | 3,293 |
| Equity capital to assets | 2.1581% | 7,318 |
| Core capital (leverage) ratio | 2.0847% | 7,318 |
| Tier 1 risk-based capital ratio | 3.0870% | 7,312 |
| Total risk-based capital ratio | 4.4116% | 7,313 |
| Memoranda: | ||
| Average total assets | $94,357,000 | 5,066 |
| Average earning assets | $85,123,400 | 5,086 |
| Average equity | $2,063,600 | 7,197 |
| Average total loans | $67,212,400 | 4,590 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 6,662 |
| Cost of funding earning assets | 1.5034% | 852 |
| Net interest margin | 2.4454% | 7,160 |
| Noninterest income to average assets | -0.0538% | 7,168 |
| Noninterest expense to average assets | 4.0528% | 944 |
| Loan and lease loss provision to assets | 3.4845% | 83 |
| Net operating income to assets | -5.3675% | 7,385 |
| Return on assets (ROA) | -5.3675% | 7,388 |
| Pretax return on assets | -5.3675% | 7,386 |
| Return on Equity (ROE) | -244.7108% | 7,428 |
| Retained earnings to average equity (ytd only) | -244.7108% | 7,428 |
| Net charge-offs to loans | 2.2289% | 551 |
| Credit loss provision to net charge-offs | 217.7586% | 1,310 |
| Earnings coverage of net charge-offs (x) | -1.1767% | 5,952 |
| Efficiency ratio | 186.7769% | 62 |
| Assets per employee ($millions) | 3.7606% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7843% | 107 |
| Loan loss allowance to noncurrent loans | 64.5830% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 9.9596% | 360 |
| Noncurrent loans to loans | 8.9564% | 437 |
| Net loans and leases to total assets | 64.6978% | 3,168 |
| Net loans and leases to deposits | 77.7930% | 3,030 |
| Net loans and leases to core deposits | 84.7012% | 2,956 |
| Total domestic deposits to total assets | 83.1666% | 4,618 |
| Equity capital to assets | 2.0885% | 7,398 |
| Core capital (leverage) ratio | 2.0099% | 7,402 |
| Tier 1 risk-based capital ratio | 2.9995% | 7,395 |
| Total risk-based capital ratio | 4.3059% | 7,392 |
| Memoranda: | ||
| Average total assets | $96,654,000 | 5,017 |
| Average earning assets | $87,889,000 | 5,032 |
| Average equity | $2,120,000 | 7,266 |
| Average total loans | $69,389,250 | 4,552 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9528% | 6,734 |
| Cost of funding earning assets | 1.4942% | 1,027 |
| Net interest margin | 2.4587% | 7,210 |
| Noninterest income to average assets | 0.0364% | 7,095 |
| Noninterest expense to average assets | 3.9945% | 1,064 |
| Loan and lease loss provision to assets | 1.6601% | 412 |
| Net operating income to assets | -3.3628% | 7,349 |
| Return on assets (ROA) | -3.3628% | 7,356 |
| Pretax return on assets | -3.3628% | 7,349 |
| Return on Equity (ROE) | -151.1147% | 7,471 |
| Retained earnings to average equity (ytd only) | -151.1147% | 7,471 |
| Net charge-offs to loans | 0.2060% | 3,918 |
| Credit loss provision to net charge-offs | 1,108.1081% | 303 |
| Earnings coverage of net charge-offs (x) | -11.3649% | 5,832 |
| Efficiency ratio | 174.2933% | 91 |
| Assets per employee ($millions) | 3.9680% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4431% | 290 |
| Loan loss allowance to noncurrent loans | 75.5799% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 7.8651% | 604 |
| Noncurrent loans to loans | 5.8787% | 1,034 |
| Net loans and leases to total assets | 66.9603% | 2,827 |
| Net loans and leases to deposits | 81.2712% | 2,560 |
| Net loans and leases to core deposits | 88.3505% | 2,590 |
| Total domestic deposits to total assets | 82.3912% | 5,025 |
| Equity capital to assets | 2.2188% | 7,468 |
| Core capital (leverage) ratio | 2.1262% | 7,469 |
| Tier 1 risk-based capital ratio | 3.1940% | 7,459 |
| Total risk-based capital ratio | 4.4850% | 7,458 |
| Memoranda: | ||
| Average total assets | $98,787,000 | 4,992 |
| Average earning assets | $90,618,670 | 4,975 |
| Average equity | $2,198,330 | 7,318 |
| Average total loans | $71,859,670 | 4,507 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 6,818 |
| Cost of funding earning assets | 1.4932% | 1,193 |
| Net interest margin | 2.4114% | 7,250 |
| Noninterest income to average assets | 0.0358% | 7,196 |
| Noninterest expense to average assets | 4.0133% | 1,018 |
| Loan and lease loss provision to assets | 1.5154% | 419 |
| Net operating income to assets | -3.2576% | 7,412 |
| Return on assets (ROA) | -3.2576% | 7,416 |
| Pretax return on assets | -3.2576% | 7,398 |
| Return on Equity (ROE) | -146.1847% | 7,521 |
| Retained earnings to average equity (ytd only) | -146.1847% | 7,516 |
| Net charge-offs to loans | 0.1075% | 3,886 |
| Credit loss provision to net charge-offs | 1,905.0000% | 210 |
| Earnings coverage of net charge-offs (x) | -21.9000% | 5,078 |
| Efficiency ratio | 176.7075% | 88 |
| Assets per employee ($millions) | 4.3120% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5576% | 581 |
| Loan loss allowance to noncurrent loans | 51.1195% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 7.1328% | 740 |
| Noncurrent loans to loans | 6.9595% | 800 |
| Net loans and leases to total assets | 70.5211% | 2,027 |
| Net loans and leases to deposits | 84.1789% | 2,001 |
| Net loans and leases to core deposits | 91.3615% | 2,189 |
| Total domestic deposits to total assets | 83.7753% | 4,584 |
| Equity capital to assets | 2.2667% | 7,515 |
| Core capital (leverage) ratio | 2.1943% | 7,519 |
| Tier 1 risk-based capital ratio | 3.2357% | 7,512 |
| Total risk-based capital ratio | 4.5168% | 7,512 |
| Memoranda: | ||
| Average total assets | $100,565,000 | 4,993 |
| Average earning assets | $93,224,500 | 4,935 |
| Average equity | $2,241,000 | 7,359 |
| Average total loans | $74,423,500 | 4,444 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 7,049 |
| Cost of funding earning assets | 1.6927% | 1,638 |
| Net interest margin | 2.4067% | 7,315 |
| Noninterest income to average assets | 0.3488% | 5,305 |
| Noninterest expense to average assets | 6.4849% | 184 |
| Loan and lease loss provision to assets | 4.6145% | 97 |
| Net operating income to assets | -8.5493% | 7,627 |
| Return on assets (ROA) | -8.5493% | 7,628 |
| Pretax return on assets | -8.5645% | 7,628 |
| Return on Equity (ROE) | -107.2174% | 7,601 |
| Retained earnings to average equity (ytd only) | -107.2174% | 7,601 |
| Net charge-offs to loans | 5.3400% | 149 |
| Credit loss provision to net charge-offs | 114.7975% | 3,780 |
| Earnings coverage of net charge-offs (x) | -0.9826% | 6,602 |
| Efficiency ratio | 117.2900% | 435 |
| Assets per employee ($millions) | 3.9213% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9072% | 946 |
| Loan loss allowance to noncurrent loans | 39.1911% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 7.4828% | 696 |
| Noncurrent loans to loans | 7.4181% | 733 |
| Net loans and leases to total assets | 72.6877% | 1,949 |
| Net loans and leases to deposits | 85.8178% | 2,137 |
| Net loans and leases to core deposits | 94.9093% | 2,144 |
| Total domestic deposits to total assets | 84.7000% | 3,998 |
| Equity capital to assets | 2.1912% | 7,610 |
| Core capital (leverage) ratio | 1.9599% | 7,612 |
| Tier 1 risk-based capital ratio | 3.0431% | 7,603 |
| Total risk-based capital ratio | 4.3160% | 7,603 |
| Memoranda: | ||
| Average total assets | $111,798,800 | 4,665 |
| Average earning assets | $101,551,200 | 4,684 |
| Average equity | $8,914,600 | 5,447 |
| Average total loans | $84,156,600 | 4,209 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 7,236 |
| Cost of funding earning assets | 1.6949% | 1,905 |
| Net interest margin | 2.3675% | 7,458 |
| Noninterest income to average assets | 0.3734% | 5,163 |
| Noninterest expense to average assets | 2.7259% | 4,771 |
| Loan and lease loss provision to assets | 2.6197% | 382 |
| Net operating income to assets | -2.8122% | 7,411 |
| Return on assets (ROA) | -2.8122% | 7,429 |
| Pretax return on assets | -2.8321% | 7,382 |
| Return on Equity (ROE) | -30.3574% | 7,389 |
| Retained earnings to average equity (ytd only) | -30.3574% | 7,380 |
| Net charge-offs to loans | 2.9913% | 517 |
| Credit loss provision to net charge-offs | 116.2008% | 3,589 |
| Earnings coverage of net charge-offs (x) | -0.0942% | 6,104 |
| Efficiency ratio | 108.4494% | 554 |
| Assets per employee ($millions) | 5.0011% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2273% | 1,746 |
| Loan loss allowance to noncurrent loans | 36.5076% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 5.0267% | 1,277 |
| Noncurrent loans to loans | 6.1008% | 1,017 |
| Net loans and leases to total assets | 71.2517% | 2,418 |
| Net loans and leases to deposits | 88.7030% | 1,908 |
| Net loans and leases to core deposits | 102.9455% | 1,571 |
| Total domestic deposits to total assets | 80.3262% | 5,605 |
| Equity capital to assets | 8.1651% | 6,654 |
| Core capital (leverage) ratio | 5.0054% | 7,544 |
| Tier 1 risk-based capital ratio | 6.9594% | 7,550 |
| Total risk-based capital ratio | 8.2229% | 7,556 |
| Memoranda: | ||
| Average total assets | $114,260,000 | 4,668 |
| Average earning assets | $103,286,750 | 4,689 |
| Average equity | $10,584,750 | 5,028 |
| Average total loans | $86,114,000 | 4,222 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 7,354 |
| Cost of funding earning assets | 1.7224% | 2,002 |
| Net interest margin | 2.2888% | 7,541 |
| Noninterest income to average assets | 0.3158% | 5,631 |
| Noninterest expense to average assets | 2.7420% | 4,730 |
| Loan and lease loss provision to assets | 2.5087% | 453 |
| Net operating income to assets | -2.8350% | 7,481 |
| Return on assets (ROA) | -2.8350% | 7,492 |
| Pretax return on assets | -2.8648% | 7,446 |
| Return on Equity (ROE) | -29.4291% | 7,428 |
| Retained earnings to average equity (ytd only) | -29.4291% | 7,412 |
| Net charge-offs to loans | 2.9306% | 554 |
| Credit loss provision to net charge-offs | 112.3331% | 3,618 |
| Earnings coverage of net charge-offs (x) | -0.1595% | 5,848 |
| Efficiency ratio | 114.9265% | 479 |
| Assets per employee ($millions) | 4.9242% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0307% | 2,114 |
| Loan loss allowance to noncurrent loans | 41.8031% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 4.0112% | 1,722 |
| Noncurrent loans to loans | 4.8578% | 1,445 |
| Net loans and leases to total assets | 72.8838% | 2,191 |
| Net loans and leases to deposits | 92.5372% | 1,452 |
| Net loans and leases to core deposits | 108.3508% | 1,277 |
| Total domestic deposits to total assets | 78.7616% | 6,097 |
| Equity capital to assets | 8.9822% | 5,476 |
| Core capital (leverage) ratio | 5.7816% | 7,513 |
| Tier 1 risk-based capital ratio | 7.8912% | 7,528 |
| Total risk-based capital ratio | 9.1526% | 7,536 |
| Memoranda: | ||
| Average total assets | $114,004,670 | 4,704 |
| Average earning assets | $103,110,000 | 4,717 |
| Average equity | $10,982,330 | 4,925 |
| Average total loans | $86,877,000 | 4,228 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 7,431 |
| Cost of funding earning assets | 1.7677% | 2,026 |
| Net interest margin | 2.2666% | 7,615 |
| Noninterest income to average assets | 0.2658% | 6,027 |
| Noninterest expense to average assets | 2.8782% | 4,143 |
| Loan and lease loss provision to assets | 2.1717% | 495 |
| Net operating income to assets | -2.7348% | 7,599 |
| Return on assets (ROA) | -2.7348% | 7,601 |
| Pretax return on assets | -2.7348% | 7,556 |
| Return on Equity (ROE) | -27.4699% | 7,539 |
| Retained earnings to average equity (ytd only) | -27.4699% | 7,503 |
| Net charge-offs to loans | 1.3018% | 1,313 |
| Credit loss provision to net charge-offs | 216.3763% | 1,731 |
| Earnings coverage of net charge-offs (x) | -0.5610% | 5,303 |
| Efficiency ratio | 124.3202% | 396 |
| Assets per employee ($millions) | 4.5232% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2077% | 1,737 |
| Loan loss allowance to noncurrent loans | 36.2241% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 4.9390% | 1,316 |
| Noncurrent loans to loans | 6.0946% | 1,067 |
| Net loans and leases to total assets | 73.9580% | 1,980 |
| Net loans and leases to deposits | 94.6984% | 1,268 |
| Net loans and leases to core deposits | 115.4375% | 977 |
| Total domestic deposits to total assets | 78.0985% | 6,290 |
| Equity capital to assets | 9.7268% | 4,193 |
| Core capital (leverage) ratio | 6.3272% | 7,523 |
| Tier 1 risk-based capital ratio | 8.8422% | 7,509 |
| Total risk-based capital ratio | 10.1061% | 7,530 |
| Memoranda: | ||
| Average total assets | $114,378,500 | 4,759 |
| Average earning assets | $103,414,000 | 4,768 |
| Average equity | $11,387,000 | 4,876 |
| Average total loans | $88,187,000 | 4,250 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 7,296 |
| Cost of funding earning assets | 2.0860% | 2,535 |
| Net interest margin | 2.5010% | 7,427 |
| Noninterest income to average assets | 0.2362% | 6,411 |
| Noninterest expense to average assets | 2.8330% | 4,822 |
| Loan and lease loss provision to assets | 1.3741% | 1,674 |
| Net operating income to assets | -1.6307% | 6,924 |
| Return on assets (ROA) | -1.6307% | 6,929 |
| Pretax return on assets | -1.7001% | 6,819 |
| Return on Equity (ROE) | -14.9988% | 6,936 |
| Retained earnings to average equity (ytd only) | -14.9988% | 6,886 |
| Net charge-offs to loans | 1.4550% | 1,726 |
| Credit loss provision to net charge-offs | 117.5235% | 4,611 |
| Earnings coverage of net charge-offs (x) | -0.2788% | 6,522 |
| Efficiency ratio | 112.7997% | 747 |
| Assets per employee ($millions) | 4.2844% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 2,866 |
| Loan loss allowance to noncurrent loans | 25.4921% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 5.8014% | 986 |
| Noncurrent loans to loans | 6.7096% | 881 |
| Net loans and leases to total assets | 77.1979% | 1,549 |
| Net loans and leases to deposits | 99.1055% | 987 |
| Net loans and leases to core deposits | 128.3374% | 1,375 |
| Total domestic deposits to total assets | 77.8947% | 6,242 |
| Equity capital to assets | 10.1791% | 3,532 |
| Core capital (leverage) ratio | 7.0433% | 7,202 |
| Tier 1 risk-based capital ratio | 9.1398% | 7,406 |
| Total risk-based capital ratio | 10.3965% | 7,415 |
| Memoranda: | ||
| Average total assets | $118,109,400 | 4,627 |
| Average earning assets | $107,237,400 | 4,649 |
| Average equity | $12,841,000 | 4,550 |
| Average total loans | $94,913,800 | 4,089 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 7,391 |
| Cost of funding earning assets | 2.1808% | 2,491 |
| Net interest margin | 2.4389% | 7,529 |
| Noninterest income to average assets | 0.3650% | 5,580 |
| Noninterest expense to average assets | 2.9773% | 4,131 |
| Loan and lease loss provision to assets | 1.0198% | 1,882 |
| Net operating income to assets | -1.0961% | 6,895 |
| Return on assets (ROA) | -1.0961% | 6,899 |
| Pretax return on assets | -1.4140% | 6,922 |
| Return on Equity (ROE) | -9.9279% | 6,887 |
| Retained earnings to average equity (ytd only) | -9.9279% | 6,797 |
| Net charge-offs to loans | 0.7088% | 2,574 |
| Credit loss provision to net charge-offs | 178.0392% | 2,589 |
| Earnings coverage of net charge-offs (x) | -0.6882% | 6,560 |
| Efficiency ratio | 115.0000% | 674 |
| Assets per employee ($millions) | 4.2287% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 2,226 |
| Loan loss allowance to noncurrent loans | 59.4369% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 3.3991% | 1,964 |
| Noncurrent loans to loans | 3.0576% | 2,479 |
| Net loans and leases to total assets | 80.9128% | 999 |
| Net loans and leases to deposits | 104.9163% | 712 |
| Net loans and leases to core deposits | 141.1074% | 868 |
| Total domestic deposits to total assets | 77.1213% | 6,309 |
| Equity capital to assets | 11.1530% | 2,873 |
| Core capital (leverage) ratio | 7.9086% | 6,490 |
| Tier 1 risk-based capital ratio | 9.8657% | 7,086 |
| Total risk-based capital ratio | 11.1237% | 7,043 |
| Memoranda: | ||
| Average total assets | $118,717,250 | 4,633 |
| Average earning assets | $107,971,500 | 4,652 |
| Average equity | $13,107,500 | 4,508 |
| Average total loans | $95,928,500 | 4,085 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 7,506 |
| Cost of funding earning assets | 2.3112% | 2,311 |
| Net interest margin | 2.3057% | 7,674 |
| Noninterest income to average assets | 0.4807% | 4,621 |
| Noninterest expense to average assets | 3.0458% | 3,890 |
| Loan and lease loss provision to assets | 0.8534% | 1,965 |
| Net operating income to assets | -0.8184% | 6,843 |
| Return on assets (ROA) | -0.8184% | 6,847 |
| Pretax return on assets | -1.3191% | 6,998 |
| Return on Equity (ROE) | -7.4365% | 6,844 |
| Retained earnings to average equity (ytd only) | -7.4365% | 6,611 |
| Net charge-offs to loans | 0.5635% | 2,636 |
| Credit loss provision to net charge-offs | 188.6029% | 2,418 |
| Earnings coverage of net charge-offs (x) | -1.0294% | 6,234 |
| Efficiency ratio | 117.6660% | 712 |
| Assets per employee ($millions) | 4.2619% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 2,610 |
| Loan loss allowance to noncurrent loans | 63.9358% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 2.9631% | 2,155 |
| Noncurrent loans to loans | 2.5506% | 2,840 |
| Net loans and leases to total assets | 78.5013% | 1,639 |
| Net loans and leases to deposits | 104.3069% | 891 |
| Net loans and leases to core deposits | 135.5629% | 1,237 |
| Total domestic deposits to total assets | 75.2600% | 6,703 |
| Equity capital to assets | 10.8151% | 3,096 |
| Core capital (leverage) ratio | 8.0731% | 6,210 |
| Tier 1 risk-based capital ratio | 10.1367% | 6,790 |
| Total risk-based capital ratio | 11.3926% | 6,705 |
| Memoranda: | ||
| Average total assets | $120,231,000 | 4,628 |
| Average earning assets | $109,468,000 | 4,638 |
| Average equity | $13,232,000 | 4,484 |
| Average total loans | $96,540,330 | 4,100 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 7,685 |
| Cost of funding earning assets | 2.5289% | 1,807 |
| Net interest margin | 2.0013% | 7,895 |
| Noninterest income to average assets | 0.3779% | 5,404 |
| Noninterest expense to average assets | 3.1323% | 3,258 |
| Loan and lease loss provision to assets | 0.6629% | 1,908 |
| Net operating income to assets | -0.9911% | 7,250 |
| Return on assets (ROA) | -0.9911% | 7,270 |
| Pretax return on assets | -1.5943% | 7,402 |
| Return on Equity (ROE) | -8.9287% | 7,295 |
| Retained earnings to average equity (ytd only) | -8.9287% | 7,007 |
| Net charge-offs to loans | 1.0412% | 1,298 |
| Credit loss provision to net charge-offs | 79.0514% | 4,205 |
| Earnings coverage of net charge-offs (x) | -1.1107% | 5,386 |
| Efficiency ratio | 141.4157% | 401 |
| Assets per employee ($millions) | 4.1926% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 4,055 |
| Loan loss allowance to noncurrent loans | 46.6642% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 3.2299% | 1,710 |
| Noncurrent loans to loans | 2.7936% | 2,349 |
| Net loans and leases to total assets | 78.3985% | 1,720 |
| Net loans and leases to deposits | 100.4034% | 1,356 |
| Net loans and leases to core deposits | 126.6862% | 1,873 |
| Total domestic deposits to total assets | 78.0835% | 5,986 |
| Equity capital to assets | 10.8361% | 3,134 |
| Core capital (leverage) ratio | 7.8967% | 6,626 |
| Tier 1 risk-based capital ratio | 10.1173% | 6,794 |
| Total risk-based capital ratio | 11.3688% | 6,705 |
| Memoranda: | ||
| Average total assets | $120,680,000 | 4,635 |
| Average earning assets | $109,931,000 | 4,641 |
| Average equity | $13,395,000 | 4,478 |
| Average total loans | $97,195,000 | 4,109 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7523% | 6,588 |
| Cost of funding earning assets | 3.4126% | 689 |
| Net interest margin | 2.3397% | 7,891 |
| Noninterest income to average assets | 0.1463% | 7,368 |
| Noninterest expense to average assets | 2.0928% | 7,253 |
| Loan and lease loss provision to assets | 0.6973% | 2,103 |
| Net operating income to assets | -0.3508% | 6,772 |
| Return on assets (ROA) | -0.3508% | 6,649 |
| Pretax return on assets | -0.5519% | 6,688 |
| Return on Equity (ROE) | -3.2244% | 6,648 |
| Retained earnings to average equity (ytd only) | -5.5447% | 6,590 |
| Net charge-offs to loans | 0.6946% | 1,767 |
| Credit loss provision to net charge-offs | 123.9938% | 4,325 |
| Earnings coverage of net charge-offs (x) | 0.2585% | 6,072 |
| Efficiency ratio | 92.6099% | 1,352 |
| Assets per employee ($millions) | 4.1302% | 3,251 |
| Cash dividends to net income (ytd only)* | -71.9603% | 8,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 3,526 |
| Loan loss allowance to noncurrent loans | 54.1701% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 2.4062% | 2,018 |
| Noncurrent loans to loans | 2.4762% | 2,205 |
| Net loans and leases to total assets | 80.5662% | 1,532 |
| Net loans and leases to deposits | 108.8097% | 914 |
| Net loans and leases to core deposits | 157.1031% | 641 |
| Total domestic deposits to total assets | 74.0432% | 6,647 |
| Equity capital to assets | 11.3671% | 2,732 |
| Core capital (leverage) ratio | 8.6058% | 5,373 |
| Tier 1 risk-based capital ratio | 9.6925% | 7,096 |
| Total risk-based capital ratio | 10.9428% | 7,002 |
| Memoranda: | ||
| Average total assets | $114,870,600 | 4,642 |
| Average earning assets | $102,706,400 | 4,721 |
| Average equity | $12,498,400 | 4,698 |
| Average total loans | $92,998,400 | 4,135 |