Home > Gateway Bank, F.S.B. > Performance and Condition Ratios
Gateway Bank, F.S.B., 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 | 5.0591% | 1,956 |
| Cost of funding earning assets | 2.4718% | 393 |
| Net interest margin | 2.5872% | 3,984 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 3.9727% | 378 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | -1.5360% | 4,556 |
| Return on assets (ROA) | -1.5360% | 4,550 |
| Pretax return on assets | -1.5360% | 4,546 |
| Return on Equity (ROE) | -16.4500% | 4,530 |
| Retained earnings to average equity (ytd only) | -16.4518% | 4,504 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 154.4317% | 39 |
| Assets per employee ($millions) | 8.5941% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 2,765 |
| 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 | 74.1700% | 1,336 |
| Net loans and leases to deposits | 87.0483% | 1,531 |
| Net loans and leases to core deposits | 110.9713% | 920 |
| Total domestic deposits to total assets | 85.2100% | 2,244 |
| Equity capital to assets | 14.1507% | 651 |
| Core capital (leverage) ratio | 17.1067% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $186,398,400 | 3,081 |
| Average earning assets | $178,531,400 | 3,020 |
| Average equity | $17,402,400 | 3,062 |
| Average total loans | $138,435,200 | 2,785 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 1,688 |
| Cost of funding earning assets | 2.2989% | 410 |
| Net interest margin | 2.7735% | 3,770 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 4.2806% | 309 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | -1.6515% | 4,588 |
| Return on assets (ROA) | -1.6515% | 4,582 |
| Pretax return on assets | -1.6515% | 4,578 |
| Return on Equity (ROE) | -20.5400% | 4,573 |
| Retained earnings to average equity (ytd only) | -20.5411% | 4,553 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 154.4549% | 38 |
| Assets per employee ($millions) | 9.9323% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,548 |
| 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 | 75.6800% | 1,157 |
| Net loans and leases to deposits | 82.3630% | 1,879 |
| Net loans and leases to core deposits | 106.5098% | 992 |
| Total domestic deposits to total assets | 91.8900% | 472 |
| Equity capital to assets | 7.4862% | 3,358 |
| Core capital (leverage) ratio | 10.2421% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $183,581,750 | 3,105 |
| Average earning assets | $175,849,000 | 3,050 |
| Average equity | $14,760,250 | 3,285 |
| Average total loans | $135,978,250 | 2,815 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 1,477 |
| Cost of funding earning assets | 2.0726% | 427 |
| Net interest margin | 2.9725% | 3,503 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 5.0426% | 218 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | -2.3922% | 4,628 |
| Return on assets (ROA) | -2.3922% | 4,628 |
| Pretax return on assets | -2.3922% | 4,627 |
| Return on Equity (ROE) | -29.1100% | 4,620 |
| Retained earnings to average equity (ytd only) | -29.1084% | 4,599 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 169.9672% | 31 |
| Assets per employee ($millions) | 10.3134% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 2,833 |
| Loan loss allowance to noncurrent loans | 639.6761% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 2,618 |
| Noncurrent loans to loans | 0.1755% | 2,604 |
| Net loans and leases to total assets | 74.9700% | 1,166 |
| Net loans and leases to deposits | 81.5380% | 1,868 |
| Net loans and leases to core deposits | 105.4135% | 1,006 |
| Total domestic deposits to total assets | 91.9400% | 424 |
| Equity capital to assets | 7.2554% | 3,659 |
| Core capital (leverage) ratio | 9.8520% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $185,181,667 | 3,098 |
| Average earning assets | $177,357,667 | 3,043 |
| Average equity | $15,219,000 | 3,251 |
| Average total loans | $135,669,667 | 2,817 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9714% | 1,283 |
| Cost of funding earning assets | 1.7535% | 494 |
| Net interest margin | 3.2178% | 3,070 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 6.8169% | 154 |
| Loan and lease loss provision to assets | 0.5400% | 133 |
| Net operating income to assets | -4.1784% | 4,666 |
| Return on assets (ROA) | -4.1784% | 4,664 |
| Pretax return on assets | -4.1784% | 4,660 |
| Return on Equity (ROE) | -48.0200% | 4,650 |
| Retained earnings to average equity (ytd only) | -48.0179% | 4,664 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 214.4218% | 22 |
| Assets per employee ($millions) | 8.1971% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 2,843 |
| Loan loss allowance to noncurrent loans | 1,961.9048% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,340 |
| Noncurrent loans to loans | 0.0582% | 3,318 |
| Net loans and leases to total assets | 75.6800% | 1,002 |
| Net loans and leases to deposits | 84.7845% | 1,441 |
| Net loans and leases to core deposits | 107.4603% | 781 |
| Total domestic deposits to total assets | 89.2700% | 1,433 |
| Equity capital to assets | 7.9285% | 3,292 |
| Core capital (leverage) ratio | 10.0881% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,951,500 | 3,136 |
| Average earning assets | $177,013,500 | 3,084 |
| Average equity | $16,094,000 | 3,209 |
| Average total loans | $133,130,000 | 2,871 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 2,287 |
| Cost of funding earning assets | 0.5725% | 1,004 |
| Net interest margin | 3.2248% | 2,790 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 3.2202% | 697 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.0274% | 4,549 |
| Return on assets (ROA) | 0.0274% | 4,536 |
| Pretax return on assets | 0.0274% | 4,532 |
| Return on Equity (ROE) | 0.3200% | 4,530 |
| Retained earnings to average equity (ytd only) | 0.3217% | 4,296 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 98.4520% | 166 |
| Assets per employee ($millions) | 8.2440% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,664 |
| Loan loss allowance to noncurrent loans | 364.0625% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 2,099 |
| Noncurrent loans to loans | 0.3150% | 2,020 |
| Net loans and leases to total assets | 66.4500% | 1,988 |
| Net loans and leases to deposits | 74.1927% | 2,242 |
| Net loans and leases to core deposits | 90.3527% | 1,485 |
| Total domestic deposits to total assets | 89.5700% | 1,529 |
| Equity capital to assets | 9.5055% | 2,007 |
| Core capital (leverage) ratio | 12.1343% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $171,819,000 | 3,257 |
| Average earning assets | $162,612,800 | 3,223 |
| Average equity | $14,612,000 | 3,403 |
| Average total loans | $110,009,000 | 3,027 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 2,195 |
| Cost of funding earning assets | 0.3720% | 1,506 |
| Net interest margin | 3.2791% | 2,363 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 3.0737% | 824 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.2794% | 4,401 |
| Return on assets (ROA) | 0.2794% | 4,361 |
| Pretax return on assets | 0.2794% | 4,398 |
| Return on Equity (ROE) | 3.3900% | 4,248 |
| Retained earnings to average equity (ytd only) | 3.3918% | 3,672 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.2830% | 292 |
| Assets per employee ($millions) | 7.1660% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,282 |
| Loan loss allowance to noncurrent loans | 397.6879% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 2,204 |
| Noncurrent loans to loans | 0.3133% | 2,126 |
| Net loans and leases to total assets | 66.1800% | 1,868 |
| Net loans and leases to deposits | 72.3495% | 2,176 |
| Net loans and leases to core deposits | 83.7842% | 1,667 |
| Total domestic deposits to total assets | 91.4700% | 1,058 |
| Equity capital to assets | 7.2358% | 3,378 |
| Core capital (leverage) ratio | 9.6861% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $169,431,500 | 3,300 |
| Average earning assets | $159,834,250 | 3,270 |
| Average equity | $13,955,000 | 3,518 |
| Average total loans | $107,030,250 | 3,071 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5304% | 2,039 |
| Cost of funding earning assets | 0.2872% | 1,827 |
| Net interest margin | 3.2432% | 2,070 |
| Noninterest income to average assets | 0.2796% | 3,492 |
| Noninterest expense to average assets | 3.0017% | 835 |
| Loan and lease loss provision to assets | 0.0211% | 2,225 |
| Net operating income to assets | 0.3088% | 4,274 |
| Return on assets (ROA) | 0.3088% | 4,224 |
| Pretax return on assets | 0.3088% | 4,287 |
| Return on Equity (ROE) | 3.6087% | 4,115 |
| Retained earnings to average equity (ytd only) | 3.6087% | 3,232 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0983% | 399 |
| Assets per employee ($millions) | 7.3140% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,491 |
| Loan loss allowance to noncurrent loans | 296.5517% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 1,855 |
| Noncurrent loans to loans | 0.4168% | 1,866 |
| Net loans and leases to total assets | 68.3361% | 1,454 |
| Net loans and leases to deposits | 75.3805% | 1,732 |
| Net loans and leases to core deposits | 80.4329% | 1,689 |
| Total domestic deposits to total assets | 90.6550% | 1,399 |
| Equity capital to assets | 8.4054% | 2,835 |
| Core capital (leverage) ratio | 9.1698% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8411% | 1,014 |
| Memoranda: | ||
| Average total assets | $170,969,000 | 3,326 |
| Average earning assets | $160,888,000 | 3,307 |
| Average equity | $14,631,333 | 3,530 |
| Average total loans | $105,891,000 | 3,113 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2600% | 2,502 |
| Cost of funding earning assets | 0.2761% | 1,861 |
| Net interest margin | 2.9839% | 2,555 |
| Noninterest income to average assets | 0.3341% | 3,093 |
| Noninterest expense to average assets | 2.9409% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1932% | 4,345 |
| Return on assets (ROA) | 0.1932% | 4,309 |
| Pretax return on assets | 0.1932% | 4,334 |
| Return on Equity (ROE) | 2.2391% | 4,226 |
| Retained earnings to average equity (ytd only) | 2.2391% | 3,483 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8361% | 386 |
| Assets per employee ($millions) | 7.6807% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 2,083 |
| Loan loss allowance to noncurrent loans | 402.7855% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 2,409 |
| Noncurrent loans to loans | 0.3370% | 2,276 |
| Net loans and leases to total assets | 59.4911% | 2,116 |
| Net loans and leases to deposits | 65.5412% | 2,375 |
| Net loans and leases to core deposits | 69.5066% | 2,334 |
| Total domestic deposits to total assets | 90.7690% | 1,153 |
| Equity capital to assets | 8.2715% | 3,346 |
| Core capital (leverage) ratio | 8.8125% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7989% | 1,080 |
| Memoranda: | ||
| Average total assets | $175,999,000 | 3,294 |
| Average earning assets | $165,152,000 | 3,279 |
| Average equity | $15,184,500 | 3,548 |
| Average total loans | $103,257,000 | 3,146 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 1,050 |
| Cost of funding earning assets | 0.4419% | 1,249 |
| Net interest margin | 3.7278% | 1,149 |
| Noninterest income to average assets | 0.3941% | 3,081 |
| Noninterest expense to average assets | 3.4032% | 542 |
| Loan and lease loss provision to assets | 0.0099% | 2,885 |
| Net operating income to assets | 0.5184% | 4,043 |
| Return on assets (ROA) | 0.5184% | 4,091 |
| Pretax return on assets | 0.5184% | 4,230 |
| Return on Equity (ROE) | 6.2032% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.2032% | 2,271 |
| Net charge-offs to loans | -0.0688% | 4,450 |
| Credit loss provision to net charge-offs | -20.4545% | 3,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5636% | 441 |
| Assets per employee ($millions) | 7.0137% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 1,741 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 2,980 |
| Noncurrent loans to loans | 0.2411% | 2,764 |
| Net loans and leases to total assets | 56.1916% | 2,579 |
| Net loans and leases to deposits | 63.6691% | 2,713 |
| Net loans and leases to core deposits | 68.0823% | 2,645 |
| Total domestic deposits to total assets | 88.2556% | 1,901 |
| Equity capital to assets | 8.9864% | 3,632 |
| Core capital (leverage) ratio | 8.7405% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3524% | 845 |
| Memoranda: | ||
| Average total assets | $182,679,800 | 3,191 |
| Average earning assets | $173,344,400 | 3,146 |
| Average equity | $15,266,200 | 3,608 |
| Average total loans | $127,833,200 | 2,882 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 979 |
| Cost of funding earning assets | 0.4856% | 1,130 |
| Net interest margin | 3.7955% | 1,129 |
| Noninterest income to average assets | 0.4950% | 2,643 |
| Noninterest expense to average assets | 3.3326% | 580 |
| Loan and lease loss provision to assets | 0.0130% | 2,735 |
| Net operating income to assets | 0.7530% | 3,647 |
| Return on assets (ROA) | 0.7530% | 3,709 |
| Pretax return on assets | 0.7530% | 3,976 |
| Return on Equity (ROE) | 9.1742% | 3,053 |
| Retained earnings to average equity (ytd only) | 9.1742% | 1,629 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3117% | 681 |
| Assets per employee ($millions) | 7.8362% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,423 |
| Loan loss allowance to noncurrent loans | 301.1086% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 2,462 |
| Noncurrent loans to loans | 0.3665% | 2,467 |
| Net loans and leases to total assets | 70.5900% | 1,028 |
| Net loans and leases to deposits | 82.5252% | 1,065 |
| Net loans and leases to core deposits | 88.3468% | 1,134 |
| Total domestic deposits to total assets | 85.5375% | 2,930 |
| Equity capital to assets | 9.2339% | 3,620 |
| Core capital (leverage) ratio | 8.1191% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3393% | 1,073 |
| Memoranda: | ||
| Average total assets | $184,514,000 | 3,209 |
| Average earning assets | $175,184,500 | 3,163 |
| Average equity | $15,143,500 | 3,666 |
| Average total loans | $134,798,000 | 2,827 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7674% | 2,150 |
| Cost of funding earning assets | 0.5017% | 1,193 |
| Net interest margin | 3.2657% | 2,562 |
| Noninterest income to average assets | 0.5091% | 2,589 |
| Noninterest expense to average assets | 3.1514% | 777 |
| Loan and lease loss provision to assets | 0.0191% | 2,577 |
| Net operating income to assets | 0.4455% | 4,309 |
| Return on assets (ROA) | 0.4455% | 4,350 |
| Pretax return on assets | 0.4455% | 4,456 |
| Return on Equity (ROE) | 5.6433% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.6433% | 2,943 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1517% | 428 |
| Assets per employee ($millions) | 9.1705% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 4,162 |
| Loan loss allowance to noncurrent loans | 301.7778% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 2,812 |
| Noncurrent loans to loans | 0.2972% | 2,864 |
| Net loans and leases to total assets | 74.3789% | 716 |
| Net loans and leases to deposits | 109.2935% | 117 |
| Net loans and leases to core deposits | 119.8551% | 218 |
| Total domestic deposits to total assets | 68.0543% | 4,788 |
| Equity capital to assets | 7.6163% | 4,703 |
| Core capital (leverage) ratio | 7.9641% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3404% | 1,259 |
| Memoranda: | ||
| Average total assets | $188,553,000 | 3,184 |
| Average earning assets | $179,381,333 | 3,138 |
| Average equity | $14,885,000 | 3,693 |
| Average total loans | $138,713,000 | 2,796 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6374% | 2,528 |
| Cost of funding earning assets | 0.5592% | 1,054 |
| Net interest margin | 3.0781% | 3,062 |
| Noninterest income to average assets | 0.9959% | 1,136 |
| Noninterest expense to average assets | 3.4910% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4331% | 4,302 |
| Return on assets (ROA) | 0.4331% | 4,333 |
| Pretax return on assets | 0.4331% | 4,441 |
| Return on Equity (ROE) | 5.3809% | 4,009 |
| Retained earnings to average equity (ytd only) | 5.3809% | 3,098 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9636% | 411 |
| Assets per employee ($millions) | 8.3732% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 3,982 |
| Loan loss allowance to noncurrent loans | 243.1942% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 2,650 |
| Noncurrent loans to loans | 0.3962% | 2,684 |
| Net loans and leases to total assets | 74.7744% | 739 |
| Net loans and leases to deposits | 104.8249% | 191 |
| Net loans and leases to core deposits | 114.6493% | 309 |
| Total domestic deposits to total assets | 71.3327% | 4,735 |
| Equity capital to assets | 8.0039% | 4,482 |
| Core capital (leverage) ratio | 8.4197% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1389% | 1,046 |
| Memoranda: | ||
| Average total assets | $181,953,500 | 3,239 |
| Average earning assets | $173,091,000 | 3,184 |
| Average equity | $14,644,500 | 3,725 |
| Average total loans | $132,360,000 | 2,874 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 3,431 |
| Cost of funding earning assets | 0.8225% | 1,117 |
| Net interest margin | 2.9320% | 4,052 |
| Noninterest income to average assets | 0.6859% | 1,910 |
| Noninterest expense to average assets | 4.6055% | 237 |
| Loan and lease loss provision to assets | -0.1517% | 4,970 |
| Net operating income to assets | -0.9850% | 4,932 |
| Return on assets (ROA) | -0.8394% | 4,918 |
| Pretax return on assets | -0.8558% | 4,917 |
| Return on Equity (ROE) | -8.4664% | 4,932 |
| Retained earnings to average equity (ytd only) | -8.4664% | 4,891 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5097% | 50 |
| Assets per employee ($millions) | 8.5570% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,617 |
| Loan loss allowance to noncurrent loans | 242.7536% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 2,767 |
| Noncurrent loans to loans | 0.4394% | 2,656 |
| Net loans and leases to total assets | 69.1709% | 1,662 |
| Net loans and leases to deposits | 93.8488% | 664 |
| Net loans and leases to core deposits | 107.4740% | 588 |
| Total domestic deposits to total assets | 73.7046% | 4,650 |
| Equity capital to assets | 8.0942% | 4,666 |
| Core capital (leverage) ratio | 8.6668% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6084% | 961 |
| Memoranda: | ||
| Average total assets | $158,918,200 | 3,297 |
| Average earning assets | $149,794,000 | 3,265 |
| Average equity | $15,756,400 | 3,583 |
| Average total loans | $108,976,000 | 3,105 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 2,722 |
| Cost of funding earning assets | 0.8774% | 1,147 |
| Net interest margin | 3.2043% | 3,483 |
| Noninterest income to average assets | 0.8656% | 1,316 |
| Noninterest expense to average assets | 4.0669% | 364 |
| Loan and lease loss provision to assets | -0.2088% | 5,012 |
| Net operating income to assets | 0.0199% | 4,758 |
| Return on assets (ROA) | 0.2246% | 4,596 |
| Pretax return on assets | 0.2246% | 4,632 |
| Return on Equity (ROE) | 2.1503% | 4,533 |
| Retained earnings to average equity (ytd only) | 2.1503% | 3,875 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8759% | 132 |
| Assets per employee ($millions) | 6.9409% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,433 |
| Loan loss allowance to noncurrent loans | 455.7823% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 3,578 |
| Noncurrent loans to loans | 0.2315% | 3,476 |
| Net loans and leases to total assets | 72.4302% | 1,602 |
| Net loans and leases to deposits | 100.9040% | 504 |
| Net loans and leases to core deposits | 113.3668% | 578 |
| Total domestic deposits to total assets | 71.7813% | 4,687 |
| Equity capital to assets | 9.2524% | 3,905 |
| Core capital (leverage) ratio | 9.8867% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0034% | 677 |
| Memoranda: | ||
| Average total assets | $153,723,500 | 3,337 |
| Average earning assets | $144,511,250 | 3,312 |
| Average equity | $16,059,250 | 3,543 |
| Average total loans | $104,810,500 | 3,177 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 2,721 |
| Cost of funding earning assets | 0.9421% | 1,182 |
| Net interest margin | 3.2698% | 3,465 |
| Noninterest income to average assets | 1.1868% | 708 |
| Noninterest expense to average assets | 4.3365% | 291 |
| Loan and lease loss provision to assets | -0.3820% | 5,051 |
| Net operating income to assets | 0.2991% | 4,424 |
| Return on assets (ROA) | 0.2991% | 4,465 |
| Pretax return on assets | 0.2991% | 4,540 |
| Return on Equity (ROE) | 2.7396% | 4,395 |
| Retained earnings to average equity (ytd only) | 2.7396% | 3,481 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9495% | 160 |
| Assets per employee ($millions) | 8.1558% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 2,932 |
| Loan loss allowance to noncurrent loans | 442.1769% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,671 |
| Noncurrent loans to loans | 0.2533% | 3,473 |
| Net loans and leases to total assets | 67.0184% | 2,498 |
| Net loans and leases to deposits | 102.7389% | 427 |
| Net loans and leases to core deposits | 108.3605% | 798 |
| Total domestic deposits to total assets | 65.2317% | 4,897 |
| Equity capital to assets | 9.4639% | 3,692 |
| Core capital (leverage) ratio | 10.6947% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3372% | 643 |
| Memoranda: | ||
| Average total assets | $147,123,667 | 3,401 |
| Average earning assets | $137,988,000 | 3,373 |
| Average equity | $16,060,667 | 3,547 |
| Average total loans | $97,406,333 | 3,275 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 4,462 |
| Cost of funding earning assets | 1.0834% | 1,097 |
| Net interest margin | 2.5724% | 4,776 |
| Noninterest income to average assets | 2.1740% | 240 |
| Noninterest expense to average assets | 5.2336% | 198 |
| Loan and lease loss provision to assets | -0.9478% | 5,105 |
| Net operating income to assets | 0.2932% | 4,362 |
| Return on assets (ROA) | 0.2932% | 4,383 |
| Pretax return on assets | 0.2932% | 4,464 |
| Return on Equity (ROE) | 2.4771% | 4,344 |
| Retained earnings to average equity (ytd only) | 2.4771% | 3,274 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2950% | 127 |
| Assets per employee ($millions) | 7.8632% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 1,787 |
| Loan loss allowance to noncurrent loans | 224.7772% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 2,862 |
| Noncurrent loans to loans | 0.6122% | 2,455 |
| Net loans and leases to total assets | 63.8497% | 3,082 |
| Net loans and leases to deposits | 87.8574% | 1,762 |
| Net loans and leases to core deposits | 92.8034% | 2,087 |
| Total domestic deposits to total assets | 72.6743% | 4,746 |
| Equity capital to assets | 11.3949% | 2,529 |
| Core capital (leverage) ratio | 12.0228% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8175% | 576 |
| Memoranda: | ||
| Average total assets | $135,050,000 | 3,516 |
| Average earning assets | $126,265,500 | 3,493 |
| Average equity | $15,986,500 | 3,558 |
| Average total loans | $88,068,000 | 3,441 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 3,063 |
| Cost of funding earning assets | 0.9990% | 1,724 |
| Net interest margin | 3.4667% | 3,544 |
| Noninterest income to average assets | 0.2339% | 4,280 |
| Noninterest expense to average assets | 4.0219% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.5778% | 5,058 |
| Return on assets (ROA) | -0.3300% | 5,043 |
| Pretax return on assets | -0.3300% | 5,041 |
| Return on Equity (ROE) | -2.4015% | 5,041 |
| Retained earnings to average equity (ytd only) | -2.4015% | 4,887 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.7757% | 82 |
| Assets per employee ($millions) | 6.7665% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8709% | 586 |
| Loan loss allowance to noncurrent loans | 537.7551% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 3,531 |
| Noncurrent loans to loans | 0.3479% | 3,199 |
| Net loans and leases to total assets | 64.4999% | 3,133 |
| Net loans and leases to deposits | 86.7668% | 2,000 |
| Net loans and leases to core deposits | 90.7591% | 2,350 |
| Total domestic deposits to total assets | 74.3371% | 4,754 |
| Equity capital to assets | 12.3247% | 1,939 |
| Core capital (leverage) ratio | 12.8623% | 1,301 |
| Tier 1 risk-based capital ratio | 25.9100% | 687 |
| Total risk-based capital ratio | 27.1753% | 666 |
| Memoranda: | ||
| Average total assets | $115,442,400 | 3,755 |
| Average earning assets | $106,902,600 | 3,762 |
| Average equity | $15,865,200 | 3,555 |
| Average total loans | $76,442,000 | 3,660 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 3,340 |
| Cost of funding earning assets | 0.9580% | 1,953 |
| Net interest margin | 3.4475% | 3,739 |
| Noninterest income to average assets | 0.2294% | 4,363 |
| Noninterest expense to average assets | 4.2319% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.8155% | 5,163 |
| Return on assets (ROA) | -0.5528% | 5,149 |
| Pretax return on assets | -0.5528% | 5,143 |
| Return on Equity (ROE) | -3.9066% | 5,144 |
| Retained earnings to average equity (ytd only) | -3.9066% | 5,023 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8692% | 73 |
| Assets per employee ($millions) | 6.5807% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 470 |
| Loan loss allowance to noncurrent loans | 81.5369% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.6918% | 611 |
| Noncurrent loans to loans | 2.4516% | 482 |
| Net loans and leases to total assets | 65.4349% | 3,123 |
| Net loans and leases to deposits | 90.3200% | 1,661 |
| Net loans and leases to core deposits | 94.8308% | 2,097 |
| Total domestic deposits to total assets | 72.4479% | 4,898 |
| Equity capital to assets | 13.2940% | 1,462 |
| Core capital (leverage) ratio | 13.3821% | 1,179 |
| Tier 1 risk-based capital ratio | 24.8348% | 775 |
| Total risk-based capital ratio | 26.0996% | 762 |
| Memoranda: | ||
| Average total assets | $112,162,250 | 3,845 |
| Average earning assets | $103,687,000 | 3,852 |
| Average equity | $15,870,250 | 3,592 |
| Average total loans | $75,076,500 | 3,722 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 4,102 |
| Cost of funding earning assets | 0.8449% | 2,418 |
| Net interest margin | 3.2792% | 4,181 |
| Noninterest income to average assets | 0.2762% | 4,089 |
| Noninterest expense to average assets | 4.2956% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.9867% | 5,224 |
| Return on assets (ROA) | -0.9867% | 5,227 |
| Pretax return on assets | -0.9867% | 5,222 |
| Return on Equity (ROE) | -6.8253% | 5,219 |
| Retained earnings to average equity (ytd only) | -6.8253% | 5,118 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.8188% | 59 |
| Assets per employee ($millions) | 6.9101% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8774% | 587 |
| Loan loss allowance to noncurrent loans | 119.3208% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.1833% | 1,134 |
| Noncurrent loans to loans | 1.5734% | 971 |
| Net loans and leases to total assets | 70.3416% | 2,481 |
| Net loans and leases to deposits | 97.3928% | 899 |
| Net loans and leases to core deposits | 101.9746% | 1,557 |
| Total domestic deposits to total assets | 72.2246% | 4,962 |
| Equity capital to assets | 13.4833% | 1,328 |
| Core capital (leverage) ratio | 15.0743% | 689 |
| Tier 1 risk-based capital ratio | 25.3069% | 729 |
| Total risk-based capital ratio | 26.5717% | 715 |
| Memoranda: | ||
| Average total assets | $110,065,670 | 3,897 |
| Average earning assets | $101,793,000 | 3,902 |
| Average equity | $15,911,330 | 3,588 |
| Average total loans | $73,738,670 | 3,769 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 3,808 |
| Cost of funding earning assets | 0.8042% | 2,516 |
| Net interest margin | 3.4157% | 3,846 |
| Noninterest income to average assets | 0.1354% | 4,919 |
| Noninterest expense to average assets | 3.8134% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.5152% | 5,252 |
| Return on assets (ROA) | -0.5152% | 5,248 |
| Pretax return on assets | -0.5152% | 5,242 |
| Return on Equity (ROE) | -3.4363% | 5,245 |
| Retained earnings to average equity (ytd only) | -3.4363% | 4,836 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6214% | 86 |
| Assets per employee ($millions) | 6.0782% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3510% | 284 |
| Loan loss allowance to noncurrent loans | 111.4951% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.6346% | 686 |
| Noncurrent loans to loans | 2.1086% | 692 |
| Net loans and leases to total assets | 63.5498% | 3,341 |
| Net loans and leases to deposits | 75.5407% | 3,300 |
| Net loans and leases to core deposits | 78.8061% | 3,463 |
| Total domestic deposits to total assets | 84.1266% | 3,000 |
| Equity capital to assets | 15.4747% | 657 |
| Core capital (leverage) ratio | 15.1612% | 665 |
| Tier 1 risk-based capital ratio | 32.2920% | 406 |
| Total risk-based capital ratio | 33.5657% | 400 |
| Memoranda: | ||
| Average total assets | $106,363,000 | 3,997 |
| Average earning assets | $98,487,500 | 3,993 |
| Average equity | $15,947,500 | 3,587 |
| Average total loans | $68,502,000 | 3,904 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 4,102 |
| Cost of funding earning assets | 0.6350% | 2,492 |
| Net interest margin | 3.3380% | 4,157 |
| Noninterest income to average assets | 0.4396% | 3,171 |
| Noninterest expense to average assets | 4.2727% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.7387% | 5,331 |
| Return on assets (ROA) | -0.7387% | 5,325 |
| Pretax return on assets | -0.7387% | 5,324 |
| Return on Equity (ROE) | -6.8514% | 5,326 |
| Retained earnings to average equity (ytd only) | -6.8514% | 5,276 |
| Net charge-offs to loans | 0.1252% | 1,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -9.5730% | 3,755 |
| Efficiency ratio | 120.9028% | 56 |
| Assets per employee ($millions) | 7.2931% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2664% | 292 |
| Loan loss allowance to noncurrent loans | 70.8969% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 2.0385% | 466 |
| Noncurrent loans to loans | 3.1968% | 301 |
| Net loans and leases to total assets | 62.3204% | 3,534 |
| Net loans and leases to deposits | 73.7484% | 3,523 |
| Net loans and leases to core deposits | 76.9768% | 3,643 |
| Total domestic deposits to total assets | 84.5040% | 2,831 |
| Equity capital to assets | 14.5389% | 828 |
| Core capital (leverage) ratio | 14.5131% | 795 |
| Tier 1 risk-based capital ratio | 29.2451% | 505 |
| Total risk-based capital ratio | 30.5138% | 491 |
| Memoranda: | ||
| Average total assets | $115,338,000 | 3,864 |
| Average earning assets | $106,920,800 | 3,859 |
| Average equity | $12,435,400 | 3,972 |
| Average total loans | $71,061,200 | 3,850 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 4,194 |
| Cost of funding earning assets | 0.6048% | 2,439 |
| Net interest margin | 3.3026% | 4,270 |
| Noninterest income to average assets | 0.5969% | 2,324 |
| Noninterest expense to average assets | 4.4705% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.8137% | 5,411 |
| Return on assets (ROA) | -0.8137% | 5,405 |
| Pretax return on assets | -0.8137% | 5,405 |
| Return on Equity (ROE) | -8.2178% | 5,410 |
| Retained earnings to average equity (ytd only) | -8.2178% | 5,367 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.2534% | 52 |
| Assets per employee ($millions) | 6.7180% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4841% | 248 |
| Loan loss allowance to noncurrent loans | 81.3444% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 2.1584% | 466 |
| Noncurrent loans to loans | 3.0538% | 354 |
| Net loans and leases to total assets | 57.4024% | 4,096 |
| Net loans and leases to deposits | 67.1058% | 4,118 |
| Net loans and leases to core deposits | 69.8567% | 4,200 |
| Total domestic deposits to total assets | 85.5402% | 2,377 |
| Equity capital to assets | 13.8522% | 1,005 |
| Core capital (leverage) ratio | 13.9325% | 954 |
| Tier 1 risk-based capital ratio | 33.7254% | 355 |
| Total risk-based capital ratio | 35.0008% | 346 |
| Memoranda: | ||
| Average total assets | $116,823,500 | 3,876 |
| Average earning assets | $108,235,500 | 3,871 |
| Average equity | $11,568,000 | 4,116 |
| Average total loans | $71,387,250 | 3,877 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,979 |
| Cost of funding earning assets | 0.5927% | 2,274 |
| Net interest margin | 3.3434% | 4,129 |
| Noninterest income to average assets | 0.5965% | 2,339 |
| Noninterest expense to average assets | 4.2856% | 369 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.5931% | 5,448 |
| Return on assets (ROA) | -0.5931% | 5,442 |
| Pretax return on assets | -0.5931% | 5,439 |
| Return on Equity (ROE) | -6.8764% | 5,458 |
| Retained earnings to average equity (ytd only) | -6.8764% | 5,357 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0607% | 74 |
| Assets per employee ($millions) | 6.7148% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4715% | 253 |
| Loan loss allowance to noncurrent loans | 95.5378% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.7871% | 656 |
| Noncurrent loans to loans | 2.5869% | 492 |
| Net loans and leases to total assets | 54.5227% | 4,291 |
| Net loans and leases to deposits | 63.6014% | 4,304 |
| Net loans and leases to core deposits | 67.0547% | 4,309 |
| Total domestic deposits to total assets | 85.7256% | 2,401 |
| Equity capital to assets | 13.4412% | 1,123 |
| Core capital (leverage) ratio | 14.0715% | 894 |
| Tier 1 risk-based capital ratio | 34.9948% | 330 |
| Total risk-based capital ratio | 36.2717% | 328 |
| Memoranda: | ||
| Average total assets | $117,696,000 | 3,895 |
| Average earning assets | $108,992,330 | 3,891 |
| Average equity | $10,150,670 | 4,361 |
| Average total loans | $72,774,000 | 3,875 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 3,256 |
| Cost of funding earning assets | 0.6077% | 2,007 |
| Net interest margin | 3.4857% | 3,584 |
| Noninterest income to average assets | 0.9990% | 910 |
| Noninterest expense to average assets | 3.5793% | 886 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6408% | 4,311 |
| Return on assets (ROA) | 0.6408% | 4,323 |
| Pretax return on assets | 0.6408% | 4,589 |
| Return on Equity (ROE) | 10.4744% | 2,189 |
| Retained earnings to average equity (ytd only) | 10.4744% | 1,024 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8163% | 733 |
| Assets per employee ($millions) | 6.2472% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2802% | 334 |
| Loan loss allowance to noncurrent loans | 94.9403% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 2.0187% | 563 |
| Noncurrent loans to loans | 2.4017% | 580 |
| Net loans and leases to total assets | 63.6461% | 3,355 |
| Net loans and leases to deposits | 68.4690% | 3,915 |
| Net loans and leases to core deposits | 72.2856% | 3,931 |
| Total domestic deposits to total assets | 92.9560% | 42 |
| Equity capital to assets | 6.2952% | 5,557 |
| Core capital (leverage) ratio | 5.9298% | 5,570 |
| Tier 1 risk-based capital ratio | 13.3522% | 3,747 |
| Total risk-based capital ratio | 14.6419% | 3,639 |
| Memoranda: | ||
| Average total assets | $116,110,500 | 3,964 |
| Average earning assets | $107,294,000 | 3,965 |
| Average equity | $7,103,000 | 4,881 |
| Average total loans | $75,376,000 | 3,854 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6256% | 4,519 |
| Cost of funding earning assets | 0.6004% | 1,588 |
| Net interest margin | 3.0252% | 4,829 |
| Noninterest income to average assets | 0.5722% | 2,594 |
| Noninterest expense to average assets | 4.2463% | 394 |
| Loan and lease loss provision to assets | 0.1080% | 2,081 |
| Net operating income to assets | -0.9687% | 5,585 |
| Return on assets (ROA) | -0.9023% | 5,575 |
| Pretax return on assets | -0.9023% | 5,587 |
| Return on Equity (ROE) | -14.6572% | 5,624 |
| Retained earnings to average equity (ytd only) | -14.6572% | 5,591 |
| Net charge-offs to loans | 0.0179% | 3,503 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | -79.7143% | 4,118 |
| Efficiency ratio | 125.4214% | 50 |
| Assets per employee ($millions) | 7.0454% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1545% | 406 |
| Loan loss allowance to noncurrent loans | 71.3675% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 2.6793% | 323 |
| Noncurrent loans to loans | 3.0189% | 369 |
| Net loans and leases to total assets | 63.3225% | 3,451 |
| Net loans and leases to deposits | 68.4309% | 3,993 |
| Net loans and leases to core deposits | 72.1329% | 4,040 |
| Total domestic deposits to total assets | 92.5349% | 50 |
| Equity capital to assets | 5.9505% | 5,633 |
| Core capital (leverage) ratio | 5.4494% | 5,646 |
| Tier 1 risk-based capital ratio | 12.3002% | 4,332 |
| Total risk-based capital ratio | 13.5858% | 4,216 |
| Memoranda: | ||
| Average total assets | $129,664,600 | 3,752 |
| Average earning assets | $120,586,400 | 3,735 |
| Average equity | $7,982,400 | 4,783 |
| Average total loans | $78,209,000 | 3,787 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 4,658 |
| Cost of funding earning assets | 0.5947% | 1,565 |
| Net interest margin | 2.9647% | 4,998 |
| Noninterest income to average assets | 0.5377% | 2,792 |
| Noninterest expense to average assets | 3.8752% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.5761% | 5,637 |
| Return on assets (ROA) | -0.4893% | 5,629 |
| Pretax return on assets | -0.4893% | 5,624 |
| Return on Equity (ROE) | -7.8752% | 5,654 |
| Retained earnings to average equity (ytd only) | -7.8752% | 5,590 |
| Net charge-offs to loans | 0.0238% | 2,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -40.7772% | 3,788 |
| Efficiency ratio | 117.4618% | 68 |
| Assets per employee ($millions) | 7.8194% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 625 |
| Loan loss allowance to noncurrent loans | 69.2621% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.8151% | 340 |
| Noncurrent loans to loans | 2.8179% | 482 |
| Net loans and leases to total assets | 61.4350% | 3,726 |
| Net loans and leases to deposits | 66.3164% | 4,227 |
| Net loans and leases to core deposits | 70.2815% | 4,226 |
| Total domestic deposits to total assets | 92.6393% | 32 |
| Equity capital to assets | 6.3464% | 5,693 |
| Core capital (leverage) ratio | 5.7540% | 5,702 |
| Tier 1 risk-based capital ratio | 13.8832% | 3,500 |
| Total risk-based capital ratio | 15.1647% | 3,413 |
| Memoranda: | ||
| Average total assets | $132,153,000 | 3,753 |
| Average earning assets | $123,090,000 | 3,728 |
| Average equity | $8,211,250 | 4,800 |
| Average total loans | $78,383,250 | 3,813 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4957% | 4,776 |
| Cost of funding earning assets | 0.5882% | 1,524 |
| Net interest margin | 2.9075% | 5,084 |
| Noninterest income to average assets | 0.6468% | 2,222 |
| Noninterest expense to average assets | 3.7353% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.3762% | 5,664 |
| Return on assets (ROA) | -0.2483% | 5,634 |
| Pretax return on assets | -0.2483% | 5,624 |
| Return on Equity (ROE) | -4.0233% | 5,672 |
| Retained earnings to average equity (ytd only) | -4.0233% | 5,491 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.1996% | 100 |
| Assets per employee ($millions) | 8.8139% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9484% | 657 |
| Loan loss allowance to noncurrent loans | 56.5154% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 2.3160% | 502 |
| Noncurrent loans to loans | 3.4476% | 338 |
| Net loans and leases to total assets | 58.7703% | 3,948 |
| Net loans and leases to deposits | 63.4226% | 4,407 |
| Net loans and leases to core deposits | 67.4336% | 4,384 |
| Total domestic deposits to total assets | 92.6646% | 38 |
| Equity capital to assets | 6.2561% | 5,740 |
| Core capital (leverage) ratio | 5.8934% | 5,747 |
| Tier 1 risk-based capital ratio | 14.6071% | 3,108 |
| Total risk-based capital ratio | 15.8903% | 3,011 |
| Memoranda: | ||
| Average total assets | $134,500,330 | 3,747 |
| Average earning assets | $125,468,670 | 3,713 |
| Average equity | $8,301,670 | 4,801 |
| Average total loans | $78,380,330 | 3,827 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 4,751 |
| Cost of funding earning assets | 0.5829% | 1,494 |
| Net interest margin | 2.8953% | 5,091 |
| Noninterest income to average assets | 0.5160% | 2,866 |
| Noninterest expense to average assets | 3.6389% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.4276% | 5,727 |
| Return on assets (ROA) | -0.4276% | 5,724 |
| Pretax return on assets | -0.4276% | 5,715 |
| Return on Equity (ROE) | -6.9737% | 5,761 |
| Retained earnings to average equity (ytd only) | -6.9737% | 5,490 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.3150% | 95 |
| Assets per employee ($millions) | 8.2365% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 681 |
| Loan loss allowance to noncurrent loans | 41.9565% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 3.0429% | 327 |
| Noncurrent loans to loans | 4.7432% | 179 |
| Net loans and leases to total assets | 57.7012% | 4,002 |
| Net loans and leases to deposits | 62.2420% | 4,417 |
| Net loans and leases to core deposits | 66.2707% | 4,412 |
| Total domestic deposits to total assets | 92.7047% | 48 |
| Equity capital to assets | 6.2496% | 5,802 |
| Core capital (leverage) ratio | 5.6799% | 5,816 |
| Tier 1 risk-based capital ratio | 14.0043% | 3,475 |
| Total risk-based capital ratio | 15.2869% | 3,373 |
| Memoranda: | ||
| Average total assets | $135,646,500 | 3,762 |
| Average earning assets | $126,272,000 | 3,731 |
| Average equity | $8,317,000 | 4,838 |
| Average total loans | $77,949,000 | 3,865 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8154% | 3,852 |
| Cost of funding earning assets | 0.5980% | 1,347 |
| Net interest margin | 3.2175% | 4,388 |
| Noninterest income to average assets | 0.5242% | 3,068 |
| Noninterest expense to average assets | 4.4243% | 405 |
| Loan and lease loss provision to assets | 0.0258% | 3,839 |
| Net operating income to assets | -0.9704% | 5,836 |
| Return on assets (ROA) | -0.8018% | 5,824 |
| Pretax return on assets | -0.8018% | 5,816 |
| Return on Equity (ROE) | -13.3675% | 5,853 |
| Retained earnings to average equity (ytd only) | -13.3675% | 5,814 |
| Net charge-offs to loans | 0.5290% | 456 |
| Credit loss provision to net charge-offs | 7.6586% | 3,753 |
| Earnings coverage of net charge-offs (x) | -2.8074% | 4,202 |
| Efficiency ratio | 127.1477% | 69 |
| Assets per employee ($millions) | 7.7505% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9716% | 690 |
| Loan loss allowance to noncurrent loans | 45.2786% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.7410% | 406 |
| Noncurrent loans to loans | 4.3543% | 219 |
| Net loans and leases to total assets | 55.0280% | 4,346 |
| Net loans and leases to deposits | 61.1973% | 4,600 |
| Net loans and leases to core deposits | 65.4278% | 4,557 |
| Total domestic deposits to total assets | 89.9189% | 669 |
| Equity capital to assets | 6.0197% | 5,857 |
| Core capital (leverage) ratio | 5.8868% | 5,864 |
| Tier 1 risk-based capital ratio | 14.4637% | 3,210 |
| Total risk-based capital ratio | 15.7427% | 3,131 |
| Memoranda: | ||
| Average total assets | $135,817,400 | 3,733 |
| Average earning assets | $124,756,200 | 3,740 |
| Average equity | $8,146,600 | 4,908 |
| Average total loans | $86,387,200 | 3,653 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 3,420 |
| Cost of funding earning assets | 0.5945% | 1,378 |
| Net interest margin | 3.3556% | 4,014 |
| Noninterest income to average assets | 0.3667% | 4,153 |
| Noninterest expense to average assets | 4.7864% | 304 |
| Loan and lease loss provision to assets | 0.0346% | 3,543 |
| Net operating income to assets | -1.3800% | 5,925 |
| Return on assets (ROA) | -1.1536% | 5,916 |
| Pretax return on assets | -1.1536% | 5,910 |
| Return on Equity (ROE) | -19.2862% | 5,943 |
| Retained earnings to average equity (ytd only) | -19.2862% | 5,912 |
| Net charge-offs to loans | 0.4132% | 520 |
| Credit loss provision to net charge-offs | 12.7737% | 3,348 |
| Earnings coverage of net charge-offs (x) | -4.9672% | 3,896 |
| Efficiency ratio | 139.0980% | 47 |
| Assets per employee ($millions) | 6.7694% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 603 |
| Loan loss allowance to noncurrent loans | 50.3645% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 2.8400% | 434 |
| Noncurrent loans to loans | 4.1746% | 251 |
| Net loans and leases to total assets | 59.3942% | 3,954 |
| Net loans and leases to deposits | 63.7861% | 4,505 |
| Net loans and leases to core deposits | 67.7713% | 4,484 |
| Total domestic deposits to total assets | 93.1146% | 31 |
| Equity capital to assets | 6.1468% | 5,928 |
| Core capital (leverage) ratio | 5.8365% | 5,931 |
| Tier 1 risk-based capital ratio | 14.0404% | 3,544 |
| Total risk-based capital ratio | 15.3221% | 3,443 |
| Memoranda: | ||
| Average total assets | $134,878,500 | 3,775 |
| Average earning assets | $123,571,250 | 3,786 |
| Average equity | $8,067,750 | 4,971 |
| Average total loans | $88,405,750 | 3,625 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 2,850 |
| Cost of funding earning assets | 0.5825% | 1,454 |
| Net interest margin | 3.5195% | 3,414 |
| Noninterest income to average assets | 0.3578% | 4,211 |
| Noninterest expense to average assets | 5.6062% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -2.0370% | 6,016 |
| Return on assets (ROA) | -2.0103% | 6,015 |
| Pretax return on assets | -2.0103% | 6,009 |
| Return on Equity (ROE) | -32.8256% | 6,033 |
| Retained earnings to average equity (ytd only) | -32.8256% | 6,013 |
| Net charge-offs to loans | 0.5636% | 373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -5.3804% | 3,630 |
| Efficiency ratio | 157.0715% | 38 |
| Assets per employee ($millions) | 6.6960% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 814 |
| Loan loss allowance to noncurrent loans | 47.3451% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.9540% | 419 |
| Noncurrent loans to loans | 4.1222% | 274 |
| Net loans and leases to total assets | 64.2234% | 3,335 |
| Net loans and leases to deposits | 69.1872% | 4,061 |
| Net loans and leases to core deposits | 72.9735% | 4,082 |
| Total domestic deposits to total assets | 92.8256% | 34 |
| Equity capital to assets | 6.2918% | 6,000 |
| Core capital (leverage) ratio | 5.7149% | 6,012 |
| Tier 1 risk-based capital ratio | 11.9772% | 4,839 |
| Total risk-based capital ratio | 13.2543% | 4,738 |
| Memoranda: | ||
| Average total assets | $134,709,000 | 3,799 |
| Average earning assets | $122,915,330 | 3,827 |
| Average equity | $8,249,670 | 4,982 |
| Average total loans | $90,494,670 | 3,599 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 3,128 |
| Cost of funding earning assets | 0.5741% | 1,516 |
| Net interest margin | 3.4514% | 3,662 |
| Noninterest income to average assets | 0.1861% | 5,387 |
| Noninterest expense to average assets | 7.6341% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -4.3222% | 6,105 |
| Return on assets (ROA) | -4.3222% | 6,105 |
| Pretax return on assets | -4.3222% | 6,101 |
| Return on Equity (ROE) | -66.5719% | 6,108 |
| Retained earnings to average equity (ytd only) | -66.5719% | 6,093 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 230.5085% | 14 |
| Assets per employee ($millions) | 6.0746% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1271% | 657 |
| Loan loss allowance to noncurrent loans | 59.3778% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.5568% | 569 |
| Noncurrent loans to loans | 3.5824% | 377 |
| Net loans and leases to total assets | 67.6876% | 2,694 |
| Net loans and leases to deposits | 73.6139% | 3,479 |
| Net loans and leases to core deposits | 76.9995% | 3,590 |
| Total domestic deposits to total assets | 91.9494% | 113 |
| Equity capital to assets | 6.2144% | 6,061 |
| Core capital (leverage) ratio | 5.8423% | 6,068 |
| Tier 1 risk-based capital ratio | 11.5503% | 5,205 |
| Total risk-based capital ratio | 12.8256% | 5,089 |
| Memoranda: | ||
| Average total assets | $135,392,500 | 3,812 |
| Average earning assets | $122,617,000 | 3,856 |
| Average equity | $8,790,500 | 4,907 |
| Average total loans | $91,882,000 | 3,581 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 4,573 |
| Cost of funding earning assets | 0.5972% | 1,377 |
| Net interest margin | 3.0387% | 5,051 |
| Noninterest income to average assets | 0.0164% | 6,075 |
| Noninterest expense to average assets | 4.7148% | 354 |
| Loan and lease loss provision to assets | 0.1195% | 1,998 |
| Net operating income to assets | -2.0463% | 6,140 |
| Return on assets (ROA) | -1.8174% | 6,133 |
| Pretax return on assets | -1.8174% | 6,133 |
| Return on Equity (ROE) | -31.9269% | 6,157 |
| Retained earnings to average equity (ytd only) | -31.9269% | 6,149 |
| Net charge-offs to loans | 0.7977% | 278 |
| Credit loss provision to net charge-offs | 21.9400% | 3,731 |
| Earnings coverage of net charge-offs (x) | -3.5370% | 4,383 |
| Efficiency ratio | 169.1110% | 22 |
| Assets per employee ($millions) | 6.5306% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1524% | 636 |
| Loan loss allowance to noncurrent loans | 49.3722% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 3.6225% | 316 |
| Noncurrent loans to loans | 4.3596% | 252 |
| Net loans and leases to total assets | 65.1677% | 3,102 |
| Net loans and leases to deposits | 70.7026% | 3,838 |
| Net loans and leases to core deposits | 73.6471% | 3,973 |
| Total domestic deposits to total assets | 92.1717% | 95 |
| Equity capital to assets | 6.7637% | 6,078 |
| Core capital (leverage) ratio | 6.7434% | 6,073 |
| Tier 1 risk-based capital ratio | 13.7757% | 3,841 |
| Total risk-based capital ratio | 15.0497% | 3,754 |
| Memoranda: | ||
| Average total assets | $158,966,800 | 3,441 |
| Average earning assets | $144,998,400 | 3,472 |
| Average equity | $9,048,800 | 4,839 |
| Average total loans | $108,563,400 | 3,229 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6477% | 4,582 |
| Cost of funding earning assets | 0.6134% | 1,321 |
| Net interest margin | 3.0343% | 5,117 |
| Noninterest income to average assets | -0.0154% | 6,210 |
| Noninterest expense to average assets | 4.3740% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.6177% | 6,217 |
| Return on assets (ROA) | -1.3226% | 6,208 |
| Pretax return on assets | -1.3226% | 6,205 |
| Return on Equity (ROE) | -24.1838% | 6,230 |
| Retained earnings to average equity (ytd only) | -24.1838% | 6,217 |
| Net charge-offs to loans | 0.6178% | 362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -3.8145% | 4,113 |
| Efficiency ratio | 158.6937% | 33 |
| Assets per employee ($millions) | 6.1804% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1666% | 703 |
| Loan loss allowance to noncurrent loans | 53.6999% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 3.3943% | 388 |
| Noncurrent loans to loans | 4.0347% | 317 |
| Net loans and leases to total assets | 67.3118% | 2,803 |
| Net loans and leases to deposits | 72.3840% | 3,723 |
| Net loans and leases to core deposits | 75.5981% | 3,843 |
| Total domestic deposits to total assets | 92.9926% | 49 |
| Equity capital to assets | 5.6314% | 6,213 |
| Core capital (leverage) ratio | 4.1950% | 6,240 |
| Tier 1 risk-based capital ratio | 9.5298% | 6,141 |
| Total risk-based capital ratio | 10.8350% | 6,102 |
| Memoranda: | ||
| Average total assets | $164,422,750 | 3,413 |
| Average earning assets | $150,189,750 | 3,432 |
| Average equity | $8,992,000 | 4,911 |
| Average total loans | $112,869,500 | 3,184 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6481% | 4,583 |
| Cost of funding earning assets | 0.6402% | 1,163 |
| Net interest margin | 3.0079% | 5,206 |
| Noninterest income to average assets | 0.2304% | 5,312 |
| Noninterest expense to average assets | 4.3620% | 473 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.3756% | 6,285 |
| Return on assets (ROA) | -0.9520% | 6,260 |
| Pretax return on assets | -0.9520% | 6,254 |
| Return on Equity (ROE) | -17.5518% | 6,288 |
| Retained earnings to average equity (ytd only) | -17.5518% | 6,250 |
| Net charge-offs to loans | 0.3681% | 705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -5.4470% | 3,823 |
| Efficiency ratio | 146.0639% | 47 |
| Assets per employee ($millions) | 8.5889% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 630 |
| Loan loss allowance to noncurrent loans | 66.6942% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.8635% | 599 |
| Noncurrent loans to loans | 3.4485% | 517 |
| Net loans and leases to total assets | 63.1234% | 3,396 |
| Net loans and leases to deposits | 67.3424% | 4,199 |
| Net loans and leases to core deposits | 69.9204% | 4,331 |
| Total domestic deposits to total assets | 93.7349% | 39 |
| Equity capital to assets | 5.4152% | 6,288 |
| Core capital (leverage) ratio | 4.2312% | 6,316 |
| Tier 1 risk-based capital ratio | 10.0080% | 6,087 |
| Total risk-based capital ratio | 11.3206% | 6,012 |
| Memoranda: | ||
| Average total assets | $171,847,330 | 3,316 |
| Average earning assets | $157,451,000 | 3,341 |
| Average equity | $9,321,000 | 4,876 |
| Average total loans | $117,892,000 | 3,127 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 4,884 |
| Cost of funding earning assets | 0.6604% | 1,044 |
| Net interest margin | 2.8702% | 5,505 |
| Noninterest income to average assets | -0.4651% | 6,397 |
| Noninterest expense to average assets | 4.1242% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.9668% | 6,364 |
| Return on assets (ROA) | -1.1411% | 6,334 |
| Pretax return on assets | -1.1411% | 6,324 |
| Return on Equity (ROE) | -20.6137% | 6,359 |
| Retained earnings to average equity (ytd only) | -20.6137% | 6,277 |
| Net charge-offs to loans | 0.6376% | 379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -4.3788% | 3,229 |
| Efficiency ratio | 191.1672% | 22 |
| Assets per employee ($millions) | 7.5464% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1401% | 868 |
| Loan loss allowance to noncurrent loans | 59.8286% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 3.8501% | 399 |
| Noncurrent loans to loans | 3.5770% | 524 |
| Net loans and leases to total assets | 67.3150% | 2,558 |
| Net loans and leases to deposits | 71.9486% | 3,537 |
| Net loans and leases to core deposits | 74.4942% | 3,738 |
| Total domestic deposits to total assets | 93.5599% | 40 |
| Equity capital to assets | 5.6740% | 6,346 |
| Core capital (leverage) ratio | 4.3302% | 6,387 |
| Tier 1 risk-based capital ratio | 8.2353% | 6,348 |
| Total risk-based capital ratio | 9.0019% | 6,356 |
| Memoranda: | ||
| Average total assets | $176,323,500 | 3,288 |
| Average earning assets | $161,103,000 | 3,308 |
| Average equity | $9,760,500 | 4,832 |
| Average total loans | $124,211,000 | 3,008 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 2,977 |
| Cost of funding earning assets | 0.5808% | 1,943 |
| Net interest margin | 3.6115% | 3,371 |
| Noninterest income to average assets | 1.0668% | 1,070 |
| Noninterest expense to average assets | 6.1155% | 173 |
| Loan and lease loss provision to assets | -0.0968% | 6,141 |
| Net operating income to assets | -1.6522% | 6,439 |
| Return on assets (ROA) | -1.6547% | 6,443 |
| Pretax return on assets | -1.6542% | 6,431 |
| Return on Equity (ROE) | -30.3887% | 6,468 |
| Retained earnings to average equity (ytd only) | -30.3887% | 6,459 |
| Net charge-offs to loans | 0.0615% | 3,615 |
| Credit loss provision to net charge-offs | -238.0952% | 5,666 |
| Earnings coverage of net charge-offs (x) | -43.0238% | 4,948 |
| Efficiency ratio | 140.0399% | 68 |
| Assets per employee ($millions) | 5.8321% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 1,165 |
| Loan loss allowance to noncurrent loans | 82.7176% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 2.9706% | 687 |
| Noncurrent loans to loans | 2.3797% | 1,086 |
| Net loans and leases to total assets | 70.5041% | 2,153 |
| Net loans and leases to deposits | 84.9906% | 2,099 |
| Net loans and leases to core deposits | 87.9892% | 2,502 |
| Total domestic deposits to total assets | 82.9552% | 4,094 |
| Equity capital to assets | 5.4124% | 6,444 |
| Core capital (leverage) ratio | 5.0711% | 6,452 |
| Tier 1 risk-based capital ratio | 8.9189% | 6,410 |
| Total risk-based capital ratio | 9.7550% | 6,429 |
| Memoranda: | ||
| Average total assets | $206,688,400 | 2,913 |
| Average earning assets | $188,869,800 | 2,918 |
| Average equity | $11,254,200 | 4,512 |
| Average total loans | $136,616,800 | 2,751 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 2,834 |
| Cost of funding earning assets | 0.5746% | 2,066 |
| Net interest margin | 3.6673% | 3,162 |
| Noninterest income to average assets | 0.9743% | 1,298 |
| Noninterest expense to average assets | 6.4094% | 157 |
| Loan and lease loss provision to assets | -0.1260% | 6,318 |
| Net operating income to assets | -1.9574% | 6,527 |
| Return on assets (ROA) | -2.0097% | 6,528 |
| Pretax return on assets | -2.0090% | 6,519 |
| Return on Equity (ROE) | -36.8600% | 6,552 |
| Retained earnings to average equity (ytd only) | -36.8600% | 6,549 |
| Net charge-offs to loans | 0.1030% | 2,765 |
| Credit loss provision to net charge-offs | -188.6792% | 5,544 |
| Earnings coverage of net charge-offs (x) | -31.1980% | 4,666 |
| Efficiency ratio | 148.1368% | 60 |
| Assets per employee ($millions) | 4.2401% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 2,181 |
| Loan loss allowance to noncurrent loans | 58.1834% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 2.8503% | 848 |
| Noncurrent loans to loans | 2.8108% | 988 |
| Net loans and leases to total assets | 77.4265% | 1,036 |
| Net loans and leases to deposits | 98.5516% | 697 |
| Net loans and leases to core deposits | 101.9097% | 1,220 |
| Total domestic deposits to total assets | 78.5644% | 5,425 |
| Equity capital to assets | 4.9109% | 6,528 |
| Core capital (leverage) ratio | 4.7443% | 6,534 |
| Tier 1 risk-based capital ratio | 7.6940% | 6,517 |
| Total risk-based capital ratio | 8.5920% | 6,528 |
| Memoranda: | ||
| Average total assets | $211,704,000 | 2,886 |
| Average earning assets | $193,523,250 | 2,896 |
| Average equity | $11,542,500 | 4,474 |
| Average total loans | $137,215,750 | 2,762 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,764 |
| Cost of funding earning assets | 0.5694% | 2,169 |
| Net interest margin | 3.4206% | 4,100 |
| Noninterest income to average assets | 0.3143% | 4,901 |
| Noninterest expense to average assets | 6.8311% | 144 |
| Loan and lease loss provision to assets | -0.1865% | 6,465 |
| Net operating income to assets | -3.2150% | 6,632 |
| Return on assets (ROA) | -3.2869% | 6,634 |
| Pretax return on assets | -3.2869% | 6,632 |
| Return on Equity (ROE) | -58.4492% | 6,639 |
| Retained earnings to average equity (ytd only) | -58.4492% | 6,634 |
| Net charge-offs to loans | 0.1729% | 2,009 |
| Credit loss provision to net charge-offs | -178.5714% | 5,376 |
| Earnings coverage of net charge-offs (x) | -32.5625% | 4,349 |
| Efficiency ratio | 199.1841% | 21 |
| Assets per employee ($millions) | 4.1025% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 2,052 |
| Loan loss allowance to noncurrent loans | 37.1676% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 3.7670% | 598 |
| Noncurrent loans to loans | 4.6451% | 459 |
| Net loans and leases to total assets | 69.7489% | 2,128 |
| Net loans and leases to deposits | 73.7579% | 3,348 |
| Net loans and leases to core deposits | 75.3166% | 3,702 |
| Total domestic deposits to total assets | 94.5647% | 34 |
| Equity capital to assets | 4.5437% | 6,599 |
| Core capital (leverage) ratio | 4.3177% | 6,608 |
| Tier 1 risk-based capital ratio | 7.5175% | 6,580 |
| Total risk-based capital ratio | 8.4068% | 6,592 |
| Memoranda: | ||
| Average total assets | $214,430,000 | 2,872 |
| Average earning assets | $195,286,670 | 2,891 |
| Average equity | $12,058,330 | 4,384 |
| Average total loans | $129,553,330 | 2,877 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6664% | 4,957 |
| Cost of funding earning assets | 0.5634% | 2,312 |
| Net interest margin | 3.1030% | 5,241 |
| Noninterest income to average assets | 0.1116% | 6,294 |
| Noninterest expense to average assets | 5.5279% | 237 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.6086% | 6,679 |
| Return on assets (ROA) | -2.6086% | 6,677 |
| Pretax return on assets | -2.6086% | 6,670 |
| Return on Equity (ROE) | -42.3533% | 6,685 |
| Retained earnings to average equity (ytd only) | -42.3533% | 6,657 |
| Net charge-offs to loans | 0.2158% | 1,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -21.9063% | 3,623 |
| Efficiency ratio | 189.3563% | 32 |
| Assets per employee ($millions) | 4.2714% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2879% | 1,046 |
| Loan loss allowance to noncurrent loans | 48.3038% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 3.0430% | 931 |
| Noncurrent loans to loans | 4.7365% | 487 |
| Net loans and leases to total assets | 56.1099% | 4,135 |
| Net loans and leases to deposits | 59.8758% | 4,775 |
| Net loans and leases to core deposits | 61.1326% | 4,953 |
| Total domestic deposits to total assets | 93.7106% | 73 |
| Equity capital to assets | 5.8515% | 6,580 |
| Core capital (leverage) ratio | 5.7572% | 6,611 |
| Tier 1 risk-based capital ratio | 9.5152% | 6,545 |
| Total risk-based capital ratio | 10.4318% | 6,573 |
| Memoranda: | ||
| Average total assets | $214,981,000 | 2,880 |
| Average earning assets | $194,523,500 | 2,911 |
| Average equity | $13,241,000 | 4,192 |
| Average total loans | $118,626,000 | 3,099 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4014% | 2,584 |
| Cost of funding earning assets | 0.5453% | 3,152 |
| Net interest margin | 3.8561% | 2,447 |
| Noninterest income to average assets | 1.4291% | 683 |
| Noninterest expense to average assets | 6.4573% | 169 |
| Loan and lease loss provision to assets | 0.1833% | 2,009 |
| Net operating income to assets | -1.6997% | 6,693 |
| Return on assets (ROA) | -1.6896% | 6,685 |
| Pretax return on assets | -1.7465% | 6,686 |
| Return on Equity (ROE) | -28.6348% | 6,713 |
| Retained earnings to average equity (ytd only) | -28.6348% | 6,707 |
| Net charge-offs to loans | 0.5809% | 1,136 |
| Credit loss provision to net charge-offs | 55.1630% | 3,699 |
| Earnings coverage of net charge-offs (x) | -4.7351% | 5,387 |
| Efficiency ratio | 132.2208% | 111 |
| Assets per employee ($millions) | 4.0023% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6088% | 723 |
| Loan loss allowance to noncurrent loans | 66.5000% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 2.4024% | 1,442 |
| Noncurrent loans to loans | 3.9230% | 749 |
| Net loans and leases to total assets | 51.4959% | 4,922 |
| Net loans and leases to deposits | 55.3249% | 5,364 |
| Net loans and leases to core deposits | 56.3588% | 5,508 |
| Total domestic deposits to total assets | 93.0789% | 130 |
| Equity capital to assets | 6.4751% | 6,572 |
| Core capital (leverage) ratio | 6.5575% | 6,588 |
| Tier 1 risk-based capital ratio | 11.4223% | 5,950 |
| Total risk-based capital ratio | 12.3142% | 6,083 |
| Memoranda: | ||
| Average total assets | $221,470,600 | 2,800 |
| Average earning assets | $198,415,400 | 2,846 |
| Average equity | $13,068,000 | 4,253 |
| Average total loans | $126,699,600 | 2,907 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 1,673 |
| Cost of funding earning assets | 0.5419% | 3,348 |
| Net interest margin | 4.1292% | 1,540 |
| Noninterest income to average assets | 1.3547% | 792 |
| Noninterest expense to average assets | 6.6263% | 162 |
| Loan and lease loss provision to assets | 0.2419% | 1,483 |
| Net operating income to assets | -1.7455% | 6,781 |
| Return on assets (ROA) | -1.7324% | 6,783 |
| Pretax return on assets | -1.8045% | 6,789 |
| Return on Equity (ROE) | -30.0532% | 6,812 |
| Retained earnings to average equity (ytd only) | -30.0532% | 6,806 |
| Net charge-offs to loans | 0.7263% | 823 |
| Credit loss provision to net charge-offs | 57.1831% | 3,353 |
| Earnings coverage of net charge-offs (x) | -3.7268% | 5,118 |
| Efficiency ratio | 131.1667% | 125 |
| Assets per employee ($millions) | 3.9528% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8317% | 657 |
| Loan loss allowance to noncurrent loans | 72.2930% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 2.5113% | 1,531 |
| Noncurrent loans to loans | 3.9170% | 903 |
| Net loans and leases to total assets | 48.3360% | 5,311 |
| Net loans and leases to deposits | 52.1813% | 5,696 |
| Net loans and leases to core deposits | 53.2000% | 5,815 |
| Total domestic deposits to total assets | 92.6309% | 157 |
| Equity capital to assets | 7.1023% | 6,522 |
| Core capital (leverage) ratio | 7.0473% | 6,576 |
| Tier 1 risk-based capital ratio | 12.6970% | 5,325 |
| Total risk-based capital ratio | 13.5721% | 5,497 |
| Memoranda: | ||
| Average total assets | $223,808,250 | 2,796 |
| Average earning assets | $200,292,000 | 2,848 |
| Average equity | $12,901,250 | 4,331 |
| Average total loans | $130,334,750 | 2,871 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 851 |
| Cost of funding earning assets | 0.5667% | 3,249 |
| Net interest margin | 4.4791% | 736 |
| Noninterest income to average assets | 1.7919% | 517 |
| Noninterest expense to average assets | 7.0295% | 148 |
| Loan and lease loss provision to assets | 0.0936% | 3,225 |
| Net operating income to assets | -1.3273% | 6,791 |
| Return on assets (ROA) | -1.3072% | 6,792 |
| Pretax return on assets | -1.3072% | 6,781 |
| Return on Equity (ROE) | -24.4078% | 6,843 |
| Retained earnings to average equity (ytd only) | -24.4078% | 6,824 |
| Net charge-offs to loans | 0.4862% | 1,354 |
| Credit loss provision to net charge-offs | 31.6568% | 3,558 |
| Earnings coverage of net charge-offs (x) | -4.1716% | 4,821 |
| Efficiency ratio | 121.2862% | 171 |
| Assets per employee ($millions) | 3.9234% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4493% | 1,038 |
| Loan loss allowance to noncurrent loans | 76.5182% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 2.3778% | 1,800 |
| Noncurrent loans to loans | 3.2009% | 1,374 |
| Net loans and leases to total assets | 55.8155% | 4,325 |
| Net loans and leases to deposits | 63.2713% | 4,589 |
| Net loans and leases to core deposits | 64.8818% | 4,802 |
| Total domestic deposits to total assets | 88.2161% | 2,097 |
| Equity capital to assets | 7.5589% | 6,420 |
| Core capital (leverage) ratio | 7.4796% | 6,464 |
| Tier 1 risk-based capital ratio | 11.9198% | 5,839 |
| Total risk-based capital ratio | 12.8467% | 6,013 |
| Memoranda: | ||
| Average total assets | $228,579,000 | 2,762 |
| Average earning assets | $204,327,000 | 2,817 |
| Average equity | $12,242,000 | 4,478 |
| Average total loans | $139,042,000 | 2,736 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4205% | 422 |
| Cost of funding earning assets | 0.5287% | 3,796 |
| Net interest margin | 4.8918% | 341 |
| Noninterest income to average assets | 1.1371% | 1,158 |
| Noninterest expense to average assets | 6.4024% | 182 |
| Loan and lease loss provision to assets | 0.0783% | 3,330 |
| Net operating income to assets | -0.9805% | 6,804 |
| Return on assets (ROA) | -0.9414% | 6,806 |
| Pretax return on assets | -0.9414% | 6,792 |
| Return on Equity (ROE) | -21.6703% | 6,905 |
| Retained earnings to average equity (ytd only) | -21.6703% | 6,848 |
| Net charge-offs to loans | 0.7219% | 847 |
| Credit loss provision to net charge-offs | 17.3585% | 3,078 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,017 |
| Efficiency ratio | 116.4036% | 245 |
| Assets per employee ($millions) | 3.4666% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2349% | 1,511 |
| Loan loss allowance to noncurrent loans | 66.2089% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.5325% | 1,813 |
| Noncurrent loans to loans | 3.3755% | 1,433 |
| Net loans and leases to total assets | 57.1996% | 3,884 |
| Net loans and leases to deposits | 60.3891% | 4,751 |
| Net loans and leases to core deposits | 61.7935% | 4,970 |
| Total domestic deposits to total assets | 94.7185% | 52 |
| Equity capital to assets | 4.4123% | 6,920 |
| Core capital (leverage) ratio | 4.1945% | 6,926 |
| Tier 1 risk-based capital ratio | 8.0221% | 6,860 |
| Total risk-based capital ratio | 8.9126% | 6,870 |
| Memoranda: | ||
| Average total assets | $234,975,500 | 2,723 |
| Average earning assets | $209,575,500 | 2,777 |
| Average equity | $10,207,500 | 4,945 |
| Average total loans | $146,830,000 | 2,634 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6964% | 102 |
| Cost of funding earning assets | 0.7122% | 3,392 |
| Net interest margin | 5.9842% | 86 |
| Noninterest income to average assets | 0.7409% | 2,537 |
| Noninterest expense to average assets | 6.8238% | 158 |
| Loan and lease loss provision to assets | 0.2370% | 2,764 |
| Net operating income to assets | -0.9932% | 6,745 |
| Return on assets (ROA) | -1.3917% | 6,847 |
| Pretax return on assets | -1.3917% | 6,823 |
| Return on Equity (ROE) | -33.4224% | 6,970 |
| Retained earnings to average equity (ytd only) | -33.4224% | 6,955 |
| Net charge-offs to loans | 1.1628% | 883 |
| Credit loss provision to net charge-offs | 31.2178% | 5,099 |
| Earnings coverage of net charge-offs (x) | -0.9959% | 5,756 |
| Efficiency ratio | 112.4629% | 299 |
| Assets per employee ($millions) | 3.7139% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 1,850 |
| Loan loss allowance to noncurrent loans | 78.6663% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.2050% | 2,223 |
| Noncurrent loans to loans | 2.6234% | 2,017 |
| Net loans and leases to total assets | 65.0068% | 2,717 |
| Net loans and leases to deposits | 68.4117% | 3,916 |
| Net loans and leases to core deposits | 70.0083% | 4,316 |
| Total domestic deposits to total assets | 95.0229% | 43 |
| Equity capital to assets | 4.2774% | 6,986 |
| Core capital (leverage) ratio | 4.1702% | 6,981 |
| Tier 1 risk-based capital ratio | 7.5201% | 6,931 |
| Total risk-based capital ratio | 8.4407% | 6,946 |
| Memoranda: | ||
| Average total assets | $255,223,200 | 2,487 |
| Average earning assets | $227,181,200 | 2,536 |
| Average equity | $10,627,600 | 4,836 |
| Average total loans | $166,659,600 | 2,346 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6225% | 120 |
| Cost of funding earning assets | 0.7546% | 3,314 |
| Net interest margin | 5.8679% | 104 |
| Noninterest income to average assets | 0.6142% | 3,193 |
| Noninterest expense to average assets | 7.0443% | 140 |
| Loan and lease loss provision to assets | 0.2008% | 3,073 |
| Net operating income to assets | -1.4242% | 6,954 |
| Return on assets (ROA) | -1.3559% | 6,956 |
| Pretax return on assets | -1.3389% | 6,932 |
| Return on Equity (ROE) | -32.7654% | 7,074 |
| Retained earnings to average equity (ytd only) | -32.7654% | 7,066 |
| Net charge-offs to loans | 1.3808% | 657 |
| Credit loss provision to net charge-offs | 22.3556% | 4,919 |
| Earnings coverage of net charge-offs (x) | -1.3431% | 5,607 |
| Efficiency ratio | 120.6651% | 188 |
| Assets per employee ($millions) | 3.9862% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0973% | 1,911 |
| Loan loss allowance to noncurrent loans | 96.0749% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 2.1510% | 2,491 |
| Noncurrent loans to loans | 2.1830% | 2,640 |
| Net loans and leases to total assets | 61.0256% | 3,568 |
| Net loans and leases to deposits | 64.9494% | 4,602 |
| Net loans and leases to core deposits | 66.2225% | 4,932 |
| Total domestic deposits to total assets | 93.9586% | 71 |
| Equity capital to assets | 4.2481% | 7,089 |
| Core capital (leverage) ratio | 4.3859% | 7,064 |
| Tier 1 risk-based capital ratio | 8.0860% | 6,988 |
| Total risk-based capital ratio | 9.0119% | 7,008 |
| Memoranda: | ||
| Average total assets | $259,606,750 | 2,462 |
| Average earning assets | $231,104,250 | 2,511 |
| Average equity | $10,742,750 | 4,864 |
| Average total loans | $168,882,000 | 2,355 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4355% | 160 |
| Cost of funding earning assets | 0.7957% | 3,218 |
| Net interest margin | 5.6398% | 148 |
| Noninterest income to average assets | 0.5315% | 3,718 |
| Noninterest expense to average assets | 7.5697% | 129 |
| Loan and lease loss provision to assets | 0.2093% | 2,986 |
| Net operating income to assets | -2.2225% | 7,096 |
| Return on assets (ROA) | -2.2255% | 7,106 |
| Pretax return on assets | -2.2255% | 7,092 |
| Return on Equity (ROE) | -54.2313% | 7,177 |
| Retained earnings to average equity (ytd only) | -54.2313% | 7,172 |
| Net charge-offs to loans | 1.4831% | 675 |
| Credit loss provision to net charge-offs | 21.4119% | 4,581 |
| Earnings coverage of net charge-offs (x) | -2.0597% | 5,384 |
| Efficiency ratio | 136.2309% | 136 |
| Assets per employee ($millions) | 4.1447% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0676% | 2,063 |
| Loan loss allowance to noncurrent loans | 42.5613% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 4.2569% | 1,175 |
| Noncurrent loans to loans | 4.8581% | 1,041 |
| Net loans and leases to total assets | 65.9122% | 2,686 |
| Net loans and leases to deposits | 69.4973% | 3,968 |
| Net loans and leases to core deposits | 70.9684% | 4,419 |
| Total domestic deposits to total assets | 94.8414% | 57 |
| Equity capital to assets | 3.6510% | 7,154 |
| Core capital (leverage) ratio | 4.1067% | 7,128 |
| Tier 1 risk-based capital ratio | 7.0603% | 7,092 |
| Total risk-based capital ratio | 8.0218% | 7,106 |
| Memoranda: | ||
| Average total assets | $263,761,000 | 2,426 |
| Average earning assets | $235,008,670 | 2,472 |
| Average equity | $10,824,000 | 4,853 |
| Average total loans | $173,825,330 | 2,310 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9498% | 93 |
| Cost of funding earning assets | 0.8394% | 3,158 |
| Net interest margin | 6.1105% | 92 |
| Noninterest income to average assets | 1.4269% | 714 |
| Noninterest expense to average assets | 6.8304% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0464% | 6,338 |
| Return on assets (ROA) | 0.0464% | 6,456 |
| Pretax return on assets | 0.0464% | 6,458 |
| Return on Equity (ROE) | 1.0741% | 6,331 |
| Retained earnings to average equity (ytd only) | 1.0741% | 5,649 |
| Net charge-offs to loans | 1.3887% | 727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0512% | 4,342 |
| Efficiency ratio | 99.3251% | 579 |
| Assets per employee ($millions) | 4.2459% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5204% | 1,324 |
| Loan loss allowance to noncurrent loans | 52.7131% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 3.7377% | 1,499 |
| Noncurrent loans to loans | 4.7813% | 1,191 |
| Net loans and leases to total assets | 57.5893% | 4,112 |
| Net loans and leases to deposits | 61.2025% | 5,020 |
| Net loans and leases to core deposits | 62.4675% | 5,281 |
| Total domestic deposits to total assets | 94.0963% | 88 |
| Equity capital to assets | 4.5126% | 7,160 |
| Core capital (leverage) ratio | 5.0278% | 7,117 |
| Tier 1 risk-based capital ratio | 9.1102% | 7,014 |
| Total risk-based capital ratio | 10.0723% | 7,053 |
| Memoranda: | ||
| Average total assets | $267,157,000 | 2,411 |
| Average earning assets | $238,279,000 | 2,462 |
| Average equity | $11,545,000 | 4,717 |
| Average total loans | $174,263,000 | 2,319 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 3,552 |
| Cost of funding earning assets | 1.1030% | 2,657 |
| Net interest margin | 3.7554% | 4,054 |
| Noninterest income to average assets | 0.4085% | 4,553 |
| Noninterest expense to average assets | 6.6797% | 157 |
| Loan and lease loss provision to assets | 1.7488% | 383 |
| Net operating income to assets | -4.3534% | 7,273 |
| Return on assets (ROA) | -4.1447% | 7,267 |
| Pretax return on assets | -4.5068% | 7,294 |
| Return on Equity (ROE) | -69.4057% | 7,272 |
| Retained earnings to average equity (ytd only) | -69.4057% | 7,272 |
| Net charge-offs to loans | 3.9718% | 156 |
| Credit loss provision to net charge-offs | 72.9623% | 4,737 |
| Earnings coverage of net charge-offs (x) | -1.2453% | 6,227 |
| Efficiency ratio | 180.2825% | 80 |
| Assets per employee ($millions) | 4.1049% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4090% | 1,452 |
| Loan loss allowance to noncurrent loans | 68.4211% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 3.4195% | 1,734 |
| Noncurrent loans to loans | 3.5208% | 1,824 |
| Net loans and leases to total assets | 69.6747% | 2,097 |
| Net loans and leases to deposits | 73.6428% | 3,558 |
| Net loans and leases to core deposits | 73.6428% | 4,292 |
| Total domestic deposits to total assets | 94.6117% | 74 |
| Equity capital to assets | 4.1298% | 7,218 |
| Core capital (leverage) ratio | 5.0377% | 7,144 |
| Tier 1 risk-based capital ratio | 8.2322% | 7,098 |
| Total risk-based capital ratio | 9.5023% | 7,099 |
| Memoranda: | ||
| Average total assets | $275,896,600 | 2,295 |
| Average earning assets | $241,439,200 | 2,391 |
| Average equity | $16,475,600 | 3,653 |
| Average total loans | $166,498,600 | 2,407 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 5,956 |
| Cost of funding earning assets | 1.1524% | 2,623 |
| Net interest margin | 3.1468% | 6,296 |
| Noninterest income to average assets | 0.3365% | 5,166 |
| Noninterest expense to average assets | 6.6831% | 154 |
| Loan and lease loss provision to assets | 2.2576% | 219 |
| Net operating income to assets | -5.6925% | 7,392 |
| Return on assets (ROA) | -5.4014% | 7,389 |
| Pretax return on assets | -5.5649% | 7,390 |
| Return on Equity (ROE) | -84.2218% | 7,365 |
| Retained earnings to average equity (ytd only) | -84.2218% | 7,365 |
| Net charge-offs to loans | 5.2551% | 84 |
| Credit loss provision to net charge-offs | 74.4546% | 4,344 |
| Earnings coverage of net charge-offs (x) | -1.1897% | 5,955 |
| Efficiency ratio | 216.7368% | 42 |
| Assets per employee ($millions) | 4.2309% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7315% | 1,093 |
| Loan loss allowance to noncurrent loans | 55.1590% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 4.4938% | 1,339 |
| Noncurrent loans to loans | 4.9520% | 1,266 |
| Net loans and leases to total assets | 64.6350% | 3,179 |
| Net loans and leases to deposits | 68.0916% | 4,590 |
| Net loans and leases to core deposits | 68.0916% | 5,169 |
| Total domestic deposits to total assets | 94.9236% | 56 |
| Equity capital to assets | 4.1779% | 7,311 |
| Core capital (leverage) ratio | 5.1148% | 7,225 |
| Tier 1 risk-based capital ratio | 8.6209% | 7,147 |
| Total risk-based capital ratio | 9.8940% | 7,150 |
| Memoranda: | ||
| Average total assets | $278,165,750 | 2,291 |
| Average earning assets | $242,146,250 | 2,386 |
| Average equity | $17,839,750 | 3,448 |
| Average total loans | $160,499,500 | 2,503 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 6,596 |
| Cost of funding earning assets | 1.1918% | 2,630 |
| Net interest margin | 2.8495% | 6,863 |
| Noninterest income to average assets | 0.7531% | 2,249 |
| Noninterest expense to average assets | 7.4486% | 123 |
| Loan and lease loss provision to assets | 2.5528% | 203 |
| Net operating income to assets | -6.5445% | 7,474 |
| Return on assets (ROA) | -6.4601% | 7,473 |
| Pretax return on assets | -6.7019% | 7,476 |
| Return on Equity (ROE) | -90.7627% | 7,431 |
| Retained earnings to average equity (ytd only) | -90.7627% | 7,429 |
| Net charge-offs to loans | 6.2029% | 77 |
| Credit loss provision to net charge-offs | 74.9064% | 3,921 |
| Earnings coverage of net charge-offs (x) | -1.2432% | 5,664 |
| Efficiency ratio | 231.5301% | 40 |
| Assets per employee ($millions) | 4.2437% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2929% | 708 |
| Loan loss allowance to noncurrent loans | 51.7503% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 5.3358% | 1,127 |
| Noncurrent loans to loans | 6.3631% | 894 |
| Net loans and leases to total assets | 58.5786% | 4,533 |
| Net loans and leases to deposits | 62.5444% | 5,442 |
| Net loans and leases to core deposits | 62.5444% | 5,856 |
| Total domestic deposits to total assets | 93.6593% | 95 |
| Equity capital to assets | 5.1868% | 7,313 |
| Core capital (leverage) ratio | 5.9521% | 7,204 |
| Tier 1 risk-based capital ratio | 9.6153% | 7,082 |
| Total risk-based capital ratio | 10.8899% | 7,082 |
| Memoranda: | ||
| Average total assets | $282,039,000 | 2,272 |
| Average earning assets | $243,337,670 | 2,387 |
| Average equity | $20,074,330 | 3,114 |
| Average total loans | $154,959,330 | 2,611 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 7,081 |
| Cost of funding earning assets | 1.2271% | 2,645 |
| Net interest margin | 2.4558% | 7,222 |
| Noninterest income to average assets | 0.6998% | 2,577 |
| Noninterest expense to average assets | 6.7978% | 158 |
| Loan and lease loss provision to assets | 2.8144% | 170 |
| Net operating income to assets | -6.3519% | 7,510 |
| Return on assets (ROA) | -6.3519% | 7,511 |
| Pretax return on assets | -6.8198% | 7,522 |
| Return on Equity (ROE) | -79.5088% | 7,482 |
| Retained earnings to average equity (ytd only) | -79.5088% | 7,475 |
| Net charge-offs to loans | 6.9891% | 73 |
| Credit loss provision to net charge-offs | 76.8453% | 3,221 |
| Earnings coverage of net charge-offs (x) | -1.0937% | 4,904 |
| Efficiency ratio | 243.0958% | 41 |
| Assets per employee ($millions) | 3.7467% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6607% | 537 |
| Loan loss allowance to noncurrent loans | 40.5095% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 5.9710% | 974 |
| Noncurrent loans to loans | 9.0368% | 490 |
| Net loans and leases to total assets | 49.8135% | 5,872 |
| Net loans and leases to deposits | 54.5395% | 6,252 |
| Net loans and leases to core deposits | 55.7677% | 6,431 |
| Total domestic deposits to total assets | 91.3347% | 470 |
| Equity capital to assets | 7.6644% | 6,772 |
| Core capital (leverage) ratio | 7.3382% | 6,831 |
| Tier 1 risk-based capital ratio | 14.2447% | 3,911 |
| Total risk-based capital ratio | 15.5255% | 3,846 |
| Memoranda: | ||
| Average total assets | $291,504,500 | 2,215 |
| Average earning assets | $248,391,500 | 2,364 |
| Average equity | $23,288,000 | 2,714 |
| Average total loans | $152,752,500 | 2,669 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4772% | 2,368 |
| Cost of funding earning assets | 1.5926% | 2,110 |
| Net interest margin | 3.8846% | 3,562 |
| Noninterest income to average assets | 1.7248% | 503 |
| Noninterest expense to average assets | 4.4575% | 680 |
| Loan and lease loss provision to assets | 3.0624% | 302 |
| Net operating income to assets | -1.3997% | 6,876 |
| Return on assets (ROA) | -1.4966% | 6,924 |
| Pretax return on assets | -2.5519% | 7,182 |
| Return on Equity (ROE) | -20.8281% | 7,054 |
| Retained earnings to average equity (ytd only) | -20.9464% | 7,028 |
| Net charge-offs to loans | 4.1710% | 290 |
| Credit loss provision to net charge-offs | 105.8178% | 4,231 |
| Earnings coverage of net charge-offs (x) | 0.2287% | 5,881 |
| Efficiency ratio | 86.9332% | 1,576 |
| Assets per employee ($millions) | 4.0231% | 3,738 |
| Cash dividends to net income (ytd only)* | -0.5682% | 7,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2366% | 714 |
| Loan loss allowance to noncurrent loans | 50.3550% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 4.9079% | 1,314 |
| Noncurrent loans to loans | 6.4275% | 942 |
| Net loans and leases to total assets | 51.3153% | 6,010 |
| Net loans and leases to deposits | 59.1612% | 6,140 |
| Net loans and leases to core deposits | 60.4507% | 6,359 |
| Total domestic deposits to total assets | 86.7380% | 2,952 |
| Equity capital to assets | 8.2832% | 6,165 |
| Core capital (leverage) ratio | 8.1669% | 5,879 |
| Tier 1 risk-based capital ratio | 16.3674% | 2,587 |
| Total risk-based capital ratio | 17.6450% | 2,534 |
| Memoranda: | ||
| Average total assets | $352,798,000 | 1,852 |
| Average earning assets | $308,298,200 | 1,932 |
| Average equity | $25,350,400 | 2,515 |
| Average total loans | $244,783,200 | 1,788 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 4,508 |
| Cost of funding earning assets | 1.6699% | 2,005 |
| Net interest margin | 3.3951% | 5,697 |
| Noninterest income to average assets | 1.1455% | 1,069 |
| Noninterest expense to average assets | 4.0834% | 950 |
| Loan and lease loss provision to assets | 3.6646% | 184 |
| Net operating income to assets | -2.1189% | 7,267 |
| Return on assets (ROA) | -2.2123% | 7,302 |
| Pretax return on assets | -3.7652% | 7,536 |
| Return on Equity (ROE) | -31.8070% | 7,411 |
| Retained earnings to average equity (ytd only) | -31.9647% | 7,407 |
| Net charge-offs to loans | 4.4795% | 229 |
| Credit loss provision to net charge-offs | 112.3570% | 3,757 |
| Earnings coverage of net charge-offs (x) | 0.0139% | 6,016 |
| Efficiency ratio | 98.7156% | 792 |
| Assets per employee ($millions) | 4.2786% | 3,294 |
| Cash dividends to net income (ytd only)* | -0.4960% | 7,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0994% | 1,998 |
| Loan loss allowance to noncurrent loans | 44.4256% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 5.1386% | 1,245 |
| Noncurrent loans to loans | 4.7256% | 1,501 |
| Net loans and leases to total assets | 72.4038% | 2,166 |
| Net loans and leases to deposits | 83.7911% | 2,739 |
| Net loans and leases to core deposits | 88.3302% | 3,329 |
| Total domestic deposits to total assets | 86.4099% | 2,849 |
| Equity capital to assets | 7.2412% | 7,250 |
| Core capital (leverage) ratio | 7.1940% | 7,062 |
| Tier 1 risk-based capital ratio | 13.1314% | 4,472 |
| Total risk-based capital ratio | 14.4012% | 4,443 |
| Memoranda: | ||
| Average total assets | $364,559,250 | 1,820 |
| Average earning assets | $320,332,500 | 1,882 |
| Average equity | $25,356,500 | 2,559 |
| Average total loans | $265,442,500 | 1,687 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 6,915 |
| Cost of funding earning assets | 1.8477% | 1,440 |
| Net interest margin | 2.5433% | 7,392 |
| Noninterest income to average assets | 1.9410% | 366 |
| Noninterest expense to average assets | 4.3100% | 721 |
| Loan and lease loss provision to assets | 4.7776% | 125 |
| Net operating income to assets | -2.8739% | 7,489 |
| Return on assets (ROA) | -2.9555% | 7,510 |
| Pretax return on assets | -5.0299% | 7,682 |
| Return on Equity (ROE) | -43.0253% | 7,554 |
| Retained earnings to average equity (ytd only) | -43.2593% | 7,551 |
| Net charge-offs to loans | 5.6165% | 159 |
| Credit loss provision to net charge-offs | 117.3839% | 3,462 |
| Earnings coverage of net charge-offs (x) | -0.0307% | 5,750 |
| Efficiency ratio | 102.8666% | 715 |
| Assets per employee ($millions) | 4.1274% | 3,527 |
| Cash dividends to net income (ytd only)* | -0.5437% | 7,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2988% | 1,583 |
| Loan loss allowance to noncurrent loans | 28.9824% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 6.5712% | 846 |
| Noncurrent loans to loans | 7.9318% | 658 |
| Net loans and leases to total assets | 67.8110% | 3,420 |
| Net loans and leases to deposits | 77.0548% | 4,151 |
| Net loans and leases to core deposits | 82.4361% | 4,351 |
| Total domestic deposits to total assets | 88.0037% | 2,001 |
| Equity capital to assets | 7.2316% | 7,261 |
| Core capital (leverage) ratio | 7.3108% | 6,990 |
| Tier 1 risk-based capital ratio | 13.7523% | 3,904 |
| Total risk-based capital ratio | 15.0244% | 3,858 |
| Memoranda: | ||
| Average total assets | $373,409,000 | 1,800 |
| Average earning assets | $329,497,670 | 1,852 |
| Average equity | $25,650,000 | 2,525 |
| Average total loans | $270,596,670 | 1,685 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 7,563 |
| Cost of funding earning assets | 2.0634% | 907 |
| Net interest margin | 1.7741% | 7,783 |
| Noninterest income to average assets | 0.8412% | 1,841 |
| Noninterest expense to average assets | 3.8793% | 1,209 |
| Loan and lease loss provision to assets | 7.5960% | 63 |
| Net operating income to assets | -5.3099% | 7,797 |
| Return on assets (ROA) | -5.3099% | 7,801 |
| Pretax return on assets | -9.0593% | 7,881 |
| Return on Equity (ROE) | -79.1081% | 7,796 |
| Retained earnings to average equity (ytd only) | -79.1081% | 7,791 |
| Net charge-offs to loans | 7.6008% | 106 |
| Credit loss provision to net charge-offs | 135.4315% | 2,609 |
| Earnings coverage of net charge-offs (x) | -0.2609% | 5,191 |
| Efficiency ratio | 160.3134% | 177 |
| Assets per employee ($millions) | 4.2517% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0961% | 1,966 |
| Loan loss allowance to noncurrent loans | 27.7635% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 6.4523% | 889 |
| Noncurrent loans to loans | 7.5497% | 750 |
| Net loans and leases to total assets | 70.6233% | 2,775 |
| Net loans and leases to deposits | 79.4316% | 3,757 |
| Net loans and leases to core deposits | 79.4316% | 4,840 |
| Total domestic deposits to total assets | 88.9109% | 1,564 |
| Equity capital to assets | 6.6368% | 7,498 |
| Core capital (leverage) ratio | 7.3116% | 7,017 |
| Tier 1 risk-based capital ratio | 12.6564% | 4,597 |
| Total risk-based capital ratio | 13.9236% | 4,552 |
| Memoranda: | ||
| Average total assets | $390,891,000 | 1,762 |
| Average earning assets | $346,993,500 | 1,804 |
| Average equity | $26,237,500 | 2,498 |
| Average total loans | $288,443,500 | 1,631 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1757% | 217 |
| Cost of funding earning assets | 2.6974% | 595 |
| Net interest margin | 4.4783% | 1,220 |
| Noninterest income to average assets | 1.3567% | 809 |
| Noninterest expense to average assets | 4.6472% | 683 |
| Loan and lease loss provision to assets | 2.2581% | 914 |
| Net operating income to assets | -0.8539% | 6,476 |
| Return on assets (ROA) | -1.3831% | 6,811 |
| Pretax return on assets | -2.3078% | 7,069 |
| Return on Equity (ROE) | -23.1705% | 7,239 |
| Retained earnings to average equity (ytd only) | -23.1705% | 7,206 |
| Net charge-offs to loans | 3.5866% | 531 |
| Credit loss provision to net charge-offs | 78.3892% | 6,327 |
| Earnings coverage of net charge-offs (x) | 0.2698% | 5,844 |
| Efficiency ratio | 85.5687% | 2,164 |
| Assets per employee ($millions) | 5.1785% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 6,309 |
| Loan loss allowance to noncurrent loans | 13.7192% | 7,295 |
| Noncurrent assets plus other real estate owned to assets | 6.8468% | 747 |
| Noncurrent loans to loans | 7.3767% | 722 |
| Net loans and leases to total assets | 74.4232% | 2,161 |
| Net loans and leases to deposits | 93.2820% | 1,696 |
| Net loans and leases to core deposits | 136.1378% | 946 |
| Total domestic deposits to total assets | 79.7830% | 5,737 |
| Equity capital to assets | 6.7757% | 7,471 |
| Core capital (leverage) ratio | 7.3909% | 6,899 |
| Tier 1 risk-based capital ratio | 13.5929% | 3,762 |
| Total risk-based capital ratio | 14.8447% | 3,702 |
| Memoranda: | ||
| Average total assets | $450,423,400 | 1,536 |
| Average earning assets | $409,130,400 | 1,546 |
| Average equity | $26,887,600 | 2,459 |
| Average total loans | $361,761,200 | 1,335 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2342% | 219 |
| Cost of funding earning assets | 2.9152% | 432 |
| Net interest margin | 4.3190% | 1,681 |
| Noninterest income to average assets | 0.6671% | 3,240 |
| Noninterest expense to average assets | 3.8356% | 1,527 |
| Loan and lease loss provision to assets | 2.2722% | 753 |
| Net operating income to assets | -0.8681% | 6,743 |
| Return on assets (ROA) | -1.3874% | 7,053 |
| Pretax return on assets | -2.3204% | 7,291 |
| Return on Equity (ROE) | -23.9945% | 7,486 |
| Retained earnings to average equity (ytd only) | -23.9945% | 7,460 |
| Net charge-offs to loans | 2.1096% | 920 |
| Credit loss provision to net charge-offs | 132.1453% | 3,786 |
| Earnings coverage of net charge-offs (x) | 0.4438% | 5,584 |
| Efficiency ratio | 83.2656% | 2,396 |
| Assets per employee ($millions) | 4.9816% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2756% | 1,322 |
| Loan loss allowance to noncurrent loans | 29.1435% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 6.7438% | 732 |
| Noncurrent loans to loans | 7.8084% | 638 |
| Net loans and leases to total assets | 76.4342% | 1,910 |
| Net loans and leases to deposits | 95.7555% | 1,609 |
| Net loans and leases to core deposits | 129.2536% | 1,481 |
| Total domestic deposits to total assets | 79.8222% | 5,513 |
| Equity capital to assets | 6.7510% | 7,688 |
| Core capital (leverage) ratio | 7.5710% | 6,896 |
| Tier 1 risk-based capital ratio | 14.9057% | 3,085 |
| Total risk-based capital ratio | 16.1837% | 3,006 |
| Memoranda: | ||
| Average total assets | $456,869,750 | 1,527 |
| Average earning assets | $415,883,750 | 1,534 |
| Average equity | $26,416,500 | 2,511 |
| Average total loans | $372,386,500 | 1,305 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9964% | 319 |
| Cost of funding earning assets | 3.0921% | 359 |
| Net interest margin | 3.9043% | 3,097 |
| Noninterest income to average assets | -0.0723% | 8,020 |
| Noninterest expense to average assets | 4.2983% | 947 |
| Loan and lease loss provision to assets | 3.1130% | 483 |
| Net operating income to assets | -2.2640% | 7,500 |
| Return on assets (ROA) | -2.9787% | 7,663 |
| Pretax return on assets | -5.0442% | 7,867 |
| Return on Equity (ROE) | -54.3484% | 7,946 |
| Retained earnings to average equity (ytd only) | -54.3484% | 7,942 |
| Net charge-offs to loans | 2.0129% | 919 |
| Credit loss provision to net charge-offs | 187.3834% | 2,447 |
| Earnings coverage of net charge-offs (x) | -0.4902% | 6,071 |
| Efficiency ratio | 123.1872% | 618 |
| Assets per employee ($millions) | 4.8916% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5139% | 886 |
| Loan loss allowance to noncurrent loans | 29.9964% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 7.3952% | 546 |
| Noncurrent loans to loans | 8.3807% | 501 |
| Net loans and leases to total assets | 80.0858% | 1,303 |
| Net loans and leases to deposits | 102.3432% | 1,051 |
| Net loans and leases to core deposits | 126.0708% | 1,866 |
| Total domestic deposits to total assets | 78.2522% | 6,013 |
| Equity capital to assets | 5.7063% | 7,971 |
| Core capital (leverage) ratio | 6.8753% | 7,615 |
| Tier 1 risk-based capital ratio | 13.1645% | 4,025 |
| Total risk-based capital ratio | 14.4477% | 3,922 |
| Memoranda: | ||
| Average total assets | $464,692,000 | 1,531 |
| Average earning assets | $423,272,670 | 1,531 |
| Average equity | $25,469,000 | 2,603 |
| Average total loans | $383,521,330 | 1,291 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6589% | 628 |
| Cost of funding earning assets | 3.2750% | 284 |
| Net interest margin | 3.3840% | 5,199 |
| Noninterest income to average assets | 1.1988% | 1,007 |
| Noninterest expense to average assets | 3.7693% | 1,528 |
| Loan and lease loss provision to assets | 0.5851% | 2,151 |
| Net operating income to assets | 0.0180% | 6,210 |
| Return on assets (ROA) | -0.9181% | 7,231 |
| Pretax return on assets | -1.5301% | 7,377 |
| Return on Equity (ROE) | -17.0803% | 7,679 |
| Retained earnings to average equity (ytd only) | -17.0803% | 7,540 |
| Net charge-offs to loans | 1.7144% | 846 |
| Credit loss provision to net charge-offs | 41.2604% | 4,806 |
| Earnings coverage of net charge-offs (x) | 0.3650% | 4,685 |
| Efficiency ratio | 87.7876% | 1,912 |
| Assets per employee ($millions) | 4.9449% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 4,718 |
| Loan loss allowance to noncurrent loans | 28.8168% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 4.2100% | 1,192 |
| Noncurrent loans to loans | 4.2094% | 1,407 |
| Net loans and leases to total assets | 83.7696% | 725 |
| Net loans and leases to deposits | 111.5417% | 544 |
| Net loans and leases to core deposits | 141.5972% | 1,036 |
| Total domestic deposits to total assets | 75.1016% | 6,691 |
| Equity capital to assets | 6.2136% | 7,954 |
| Core capital (leverage) ratio | 7.9889% | 6,468 |
| Tier 1 risk-based capital ratio | 14.3851% | 3,372 |
| Total risk-based capital ratio | 15.6422% | 3,292 |
| Memoranda: | ||
| Average total assets | $474,468,500 | 1,509 |
| Average earning assets | $432,983,500 | 1,497 |
| Average equity | $25,503,000 | 2,608 |
| Average total loans | $392,439,000 | 1,271 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2317% | 4,345 |
| Cost of funding earning assets | 3.5910% | 400 |
| Net interest margin | 2.6407% | 7,593 |
| Noninterest income to average assets | 0.7602% | 2,720 |
| Noninterest expense to average assets | 3.9919% | 1,430 |
| Loan and lease loss provision to assets | 2.1554% | 535 |
| Net operating income to assets | -1.8090% | 7,561 |
| Return on assets (ROA) | -1.7956% | 7,513 |
| Pretax return on assets | -2.9397% | 7,694 |
| Return on Equity (ROE) | -26.3183% | 7,887 |
| Retained earnings to average equity (ytd only) | -30.1989% | 7,917 |
| Net charge-offs to loans | 1.5724% | 732 |
| Credit loss provision to net charge-offs | 166.1408% | 3,097 |
| Earnings coverage of net charge-offs (x) | -0.6207% | 6,518 |
| Efficiency ratio | 125.0879% | 512 |
| Assets per employee ($millions) | 5.7732% | 1,279 |
| Cash dividends to net income (ytd only)* | -14.7451% | 7,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 2,653 |
| Loan loss allowance to noncurrent loans | 25.3916% | 6,987 |
| Noncurrent assets plus other real estate owned to assets | 6.9624% | 378 |
| Noncurrent loans to loans | 5.9300% | 613 |
| Net loans and leases to total assets | 79.4508% | 1,789 |
| Net loans and leases to deposits | 104.0348% | 1,338 |
| Net loans and leases to core deposits | 126.7703% | 2,102 |
| Total domestic deposits to total assets | 76.3694% | 6,150 |
| Equity capital to assets | 4.5530% | 8,228 |
| Core capital (leverage) ratio | 6.0587% | 8,061 |
| Tier 1 risk-based capital ratio | 11.1966% | 5,542 |
| Total risk-based capital ratio | 12.4510% | 5,421 |
| Memoranda: | ||
| Average total assets | $464,190,800 | 1,481 |
| Average earning assets | $426,513,800 | 1,464 |
| Average equity | $31,670,000 | 2,137 |
| Average total loans | $382,982,400 | 1,264 |