Home > M.Y. SAFRA BANK, FSB > Performance and Condition Ratios
M.Y. SAFRA BANK, FSB, 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 | 4.9438% | 2,192 |
| Cost of funding earning assets | 2.2088% | 630 |
| Net interest margin | 2.7350% | 3,767 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.3041% | 2,843 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.4160% | 3,835 |
| Return on assets (ROA) | 0.4160% | 3,833 |
| Pretax return on assets | 0.4442% | 3,904 |
| Return on Equity (ROE) | 3.6600% | 3,937 |
| Retained earnings to average equity (ytd only) | 3.6645% | 3,066 |
| Net charge-offs to loans | 0.2682% | 400 |
| Credit loss provision to net charge-offs | 140.7080% | 1,521 |
| Earnings coverage of net charge-offs (x) | 3.8053% | 2,625 |
| Efficiency ratio | 76.5774% | 1,202 |
| Assets per employee ($millions) | 15.0396% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 1,847 |
| Loan loss allowance to noncurrent loans | 803.7037% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 2,804 |
| Noncurrent loans to loans | 0.1599% | 2,721 |
| Net loans and leases to total assets | 68.1900% | 2,015 |
| Net loans and leases to deposits | 89.7363% | 1,293 |
| Net loans and leases to core deposits | 119.9931% | 624 |
| Total domestic deposits to total assets | 75.9900% | 3,943 |
| Equity capital to assets | 11.0439% | 1,454 |
| Core capital (leverage) ratio | 11.7355% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1690% | 678 |
| Memoranda: | ||
| Average total assets | $366,081,200 | 2,130 |
| Average earning assets | $359,703,400 | 2,045 |
| Average equity | $41,560,600 | 1,829 |
| Average total loans | $252,794,800 | 1,991 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 2,194 |
| Cost of funding earning assets | 2.0610% | 634 |
| Net interest margin | 2.7747% | 3,769 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.3380% | 2,683 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 0.5221% | 3,716 |
| Return on assets (ROA) | 0.5221% | 3,703 |
| Pretax return on assets | 0.5587% | 3,809 |
| Return on Equity (ROE) | 4.5600% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.5648% | 3,077 |
| Net charge-offs to loans | 0.2302% | 386 |
| Credit loss provision to net charge-offs | 154.5455% | 1,303 |
| Earnings coverage of net charge-offs (x) | 5.0606% | 2,362 |
| Efficiency ratio | 74.4016% | 1,328 |
| Assets per employee ($millions) | 13.0264% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 1,734 |
| Loan loss allowance to noncurrent loans | 734.2612% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,703 |
| Noncurrent loans to loans | 0.1813% | 2,637 |
| Net loans and leases to total assets | 69.6800% | 1,867 |
| Net loans and leases to deposits | 91.2147% | 1,124 |
| Net loans and leases to core deposits | 119.4338% | 563 |
| Total domestic deposits to total assets | 76.3900% | 3,983 |
| Equity capital to assets | 11.6360% | 1,142 |
| Core capital (leverage) ratio | 12.1310% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5769% | 654 |
| Memoranda: | ||
| Average total assets | $359,844,250 | 2,163 |
| Average earning assets | $353,998,500 | 2,074 |
| Average equity | $41,154,500 | 1,828 |
| Average total loans | $248,465,750 | 2,009 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 2,266 |
| Cost of funding earning assets | 1.8379% | 692 |
| Net interest margin | 2.8332% | 3,775 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.2780% | 2,876 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 0.6421% | 3,483 |
| Return on assets (ROA) | 0.6421% | 3,493 |
| Pretax return on assets | 0.6789% | 3,646 |
| Return on Equity (ROE) | 5.6500% | 3,769 |
| Retained earnings to average equity (ytd only) | 5.6475% | 2,742 |
| Net charge-offs to loans | 0.2176% | 371 |
| Credit loss provision to net charge-offs | 194.7566% | 1,061 |
| Earnings coverage of net charge-offs (x) | 6.5019% | 2,118 |
| Efficiency ratio | 70.1513% | 1,752 |
| Assets per employee ($millions) | 13.4091% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 1,738 |
| Loan loss allowance to noncurrent loans | 4,724.6575% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 3,626 |
| Noncurrent loans to loans | 0.0284% | 3,553 |
| Net loans and leases to total assets | 69.9200% | 1,751 |
| Net loans and leases to deposits | 92.1448% | 1,015 |
| Net loans and leases to core deposits | 116.5924% | 612 |
| Total domestic deposits to total assets | 75.8800% | 4,053 |
| Equity capital to assets | 11.5745% | 1,184 |
| Core capital (leverage) ratio | 12.1334% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7362% | 656 |
| Memoranda: | ||
| Average total assets | $358,213,000 | 2,175 |
| Average earning assets | $352,465,333 | 2,081 |
| Average equity | $40,725,667 | 1,851 |
| Average total loans | $245,428,667 | 2,019 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 2,508 |
| Cost of funding earning assets | 1.5718% | 734 |
| Net interest margin | 2.8461% | 3,875 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.2689% | 2,894 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.4940% | 3,914 |
| Return on assets (ROA) | 0.4940% | 3,877 |
| Pretax return on assets | 0.5310% | 3,949 |
| Return on Equity (ROE) | 4.3900% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.3851% | 3,157 |
| Net charge-offs to loans | 0.1801% | 400 |
| Credit loss provision to net charge-offs | 176.8519% | 876 |
| Earnings coverage of net charge-offs (x) | 6.1481% | 1,789 |
| Efficiency ratio | 75.2700% | 1,225 |
| Assets per employee ($millions) | 14.3120% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,756 |
| Loan loss allowance to noncurrent loans | 5,123.4375% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,638 |
| Noncurrent loans to loans | 0.0267% | 3,578 |
| Net loans and leases to total assets | 66.1600% | 2,042 |
| Net loans and leases to deposits | 85.5437% | 1,389 |
| Net loans and leases to core deposits | 115.0340% | 561 |
| Total domestic deposits to total assets | 77.3400% | 4,061 |
| Equity capital to assets | 11.3669% | 1,199 |
| Core capital (leverage) ratio | 12.3240% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2782% | 633 |
| Memoranda: | ||
| Average total assets | $356,296,000 | 2,211 |
| Average earning assets | $350,935,500 | 2,117 |
| Average equity | $40,136,000 | 1,894 |
| Average total loans | $239,847,000 | 2,071 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3837% | 3,385 |
| Cost of funding earning assets | 0.7891% | 402 |
| Net interest margin | 2.5945% | 4,186 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.2070% | 3,007 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.2196% | 4,438 |
| Return on assets (ROA) | 0.2232% | 4,412 |
| Pretax return on assets | 0.2523% | 4,405 |
| Return on Equity (ROE) | 2.0100% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.0133% | 3,972 |
| Net charge-offs to loans | 0.0940% | 757 |
| Credit loss provision to net charge-offs | 361.1650% | 819 |
| Earnings coverage of net charge-offs (x) | 7.9660% | 2,285 |
| Efficiency ratio | 82.9400% | 545 |
| Assets per employee ($millions) | 15.4257% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 1,772 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,591 |
| Noncurrent loans to loans | 0.0359% | 3,525 |
| Net loans and leases to total assets | 66.6600% | 1,963 |
| Net loans and leases to deposits | 81.7764% | 1,636 |
| Net loans and leases to core deposits | 108.1387% | 667 |
| Total domestic deposits to total assets | 81.5200% | 3,690 |
| Equity capital to assets | 11.1618% | 1,196 |
| Core capital (leverage) ratio | 12.3750% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3570% | 596 |
| Memoranda: | ||
| Average total assets | $361,492,400 | 2,175 |
| Average earning assets | $355,709,600 | 2,087 |
| Average equity | $40,083,400 | 1,915 |
| Average total loans | $219,065,800 | 2,112 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1598% | 3,540 |
| Cost of funding earning assets | 0.6330% | 366 |
| Net interest margin | 2.5268% | 4,188 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 2.2134% | 2,895 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 0.0915% | 4,547 |
| Return on assets (ROA) | 0.0958% | 4,517 |
| Pretax return on assets | 0.1322% | 4,501 |
| Return on Equity (ROE) | 0.8700% | 4,504 |
| Retained earnings to average equity (ytd only) | 0.8656% | 4,236 |
| Net charge-offs to loans | 0.0873% | 696 |
| Credit loss provision to net charge-offs | 441.4286% | 665 |
| Earnings coverage of net charge-offs (x) | 6.8786% | 2,096 |
| Efficiency ratio | 86.2271% | 454 |
| Assets per employee ($millions) | 13.5407% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,077 |
| Loan loss allowance to noncurrent loans | 7,262.7907% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,852 |
| Noncurrent loans to loans | 0.0178% | 3,796 |
| Net loans and leases to total assets | 67.8500% | 1,692 |
| Net loans and leases to deposits | 79.5559% | 1,603 |
| Net loans and leases to core deposits | 108.1397% | 531 |
| Total domestic deposits to total assets | 85.2900% | 3,218 |
| Equity capital to assets | 11.0246% | 1,168 |
| Core capital (leverage) ratio | 12.1782% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9351% | 870 |
| Memoranda: | ||
| Average total assets | $363,167,750 | 2,178 |
| Average earning assets | $357,229,250 | 2,089 |
| Average equity | $40,204,000 | 1,941 |
| Average total loans | $213,909,750 | 2,142 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9594% | 3,655 |
| Cost of funding earning assets | 0.5391% | 423 |
| Net interest margin | 2.4203% | 4,201 |
| Noninterest income to average assets | 0.0872% | 4,535 |
| Noninterest expense to average assets | 2.2019% | 2,849 |
| Loan and lease loss provision to assets | 0.1668% | 552 |
| Net operating income to assets | 0.0589% | 4,547 |
| Return on assets (ROA) | 0.0589% | 4,515 |
| Pretax return on assets | 0.0949% | 4,493 |
| Return on Equity (ROE) | 0.5311% | 4,513 |
| Retained earnings to average equity (ytd only) | 0.5311% | 4,086 |
| Net charge-offs to loans | 0.1046% | 571 |
| Credit loss provision to net charge-offs | 285.9813% | 819 |
| Earnings coverage of net charge-offs (x) | 4.4860% | 1,953 |
| Efficiency ratio | 89.3782% | 436 |
| Assets per employee ($millions) | 12.1739% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,947 |
| Loan loss allowance to noncurrent loans | 10,157.1429% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,949 |
| Noncurrent loans to loans | 0.0133% | 3,871 |
| Net loans and leases to total assets | 60.8734% | 2,230 |
| Net loans and leases to deposits | 70.3210% | 2,173 |
| Net loans and leases to core deposits | 88.9839% | 1,177 |
| Total domestic deposits to total assets | 86.5650% | 3,090 |
| Equity capital to assets | 11.5399% | 1,021 |
| Core capital (leverage) ratio | 11.5615% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8999% | 636 |
| Memoranda: | ||
| Average total assets | $366,871,333 | 2,171 |
| Average earning assets | $360,210,667 | 2,100 |
| Average equity | $40,667,667 | 1,969 |
| Average total loans | $204,547,667 | 2,205 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7008% | 3,949 |
| Cost of funding earning assets | 0.5203% | 451 |
| Net interest margin | 2.1806% | 4,368 |
| Noninterest income to average assets | 0.0853% | 4,553 |
| Noninterest expense to average assets | 2.2397% | 2,718 |
| Loan and lease loss provision to assets | 0.1106% | 755 |
| Net operating income to assets | -0.1548% | 4,622 |
| Return on assets (ROA) | -0.1548% | 4,606 |
| Pretax return on assets | -0.1200% | 4,587 |
| Return on Equity (ROE) | -1.4226% | 4,609 |
| Retained earnings to average equity (ytd only) | -1.4226% | 4,187 |
| Net charge-offs to loans | 0.1329% | 426 |
| Credit loss provision to net charge-offs | 156.7164% | 847 |
| Earnings coverage of net charge-offs (x) | -0.1343% | 1,786 |
| Efficiency ratio | 100.4249% | 238 |
| Assets per employee ($millions) | 16.2417% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,225 |
| Loan loss allowance to noncurrent loans | 8,654.8387% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,992 |
| Noncurrent loans to loans | 0.0153% | 3,900 |
| Net loans and leases to total assets | 53.3589% | 2,836 |
| Net loans and leases to deposits | 60.9809% | 2,812 |
| Net loans and leases to core deposits | 75.7699% | 1,795 |
| Total domestic deposits to total assets | 87.5010% | 2,746 |
| Equity capital to assets | 10.8058% | 1,435 |
| Core capital (leverage) ratio | 10.9341% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9450% | 566 |
| Memoranda: | ||
| Average total assets | $379,872,000 | 2,133 |
| Average earning assets | $373,660,500 | 2,056 |
| Average equity | $41,333,500 | 2,004 |
| Average total loans | $201,650,000 | 2,219 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8781% | 4,091 |
| Cost of funding earning assets | 0.6977% | 327 |
| Net interest margin | 2.1804% | 4,498 |
| Noninterest income to average assets | 0.0907% | 4,642 |
| Noninterest expense to average assets | 2.3589% | 2,624 |
| Loan and lease loss provision to assets | 0.0781% | 1,559 |
| Net operating income to assets | -0.2333% | 4,730 |
| Return on assets (ROA) | -0.2439% | 4,734 |
| Pretax return on assets | -0.2071% | 4,730 |
| Return on Equity (ROE) | -2.0321% | 4,733 |
| Retained earnings to average equity (ytd only) | -2.0321% | 4,626 |
| Net charge-offs to loans | 0.2118% | 444 |
| Credit loss provision to net charge-offs | 63.4921% | 2,047 |
| Earnings coverage of net charge-offs (x) | -0.9615% | 2,659 |
| Efficiency ratio | 105.2809% | 115 |
| Assets per employee ($millions) | 17.5539% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,299 |
| Loan loss allowance to noncurrent loans | 6,297.6190% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,045 |
| Noncurrent loans to loans | 0.0209% | 3,918 |
| Net loans and leases to total assets | 51.4378% | 3,125 |
| Net loans and leases to deposits | 58.9128% | 3,180 |
| Net loans and leases to core deposits | 74.0950% | 2,070 |
| Total domestic deposits to total assets | 87.3118% | 2,380 |
| Equity capital to assets | 10.9536% | 1,819 |
| Core capital (leverage) ratio | 11.1626% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5471% | 464 |
| Memoranda: | ||
| Average total assets | $358,345,200 | 2,157 |
| Average earning assets | $353,324,600 | 2,066 |
| Average equity | $43,010,400 | 1,976 |
| Average total loans | $208,234,400 | 2,187 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8321% | 4,258 |
| Cost of funding earning assets | 0.7326% | 333 |
| Net interest margin | 2.0996% | 4,627 |
| Noninterest income to average assets | 0.1613% | 4,395 |
| Noninterest expense to average assets | 2.4580% | 2,249 |
| Loan and lease loss provision to assets | 0.0854% | 1,398 |
| Net operating income to assets | -0.3286% | 4,809 |
| Return on assets (ROA) | -0.3430% | 4,820 |
| Pretax return on assets | -0.3259% | 4,816 |
| Return on Equity (ROE) | -2.7908% | 4,817 |
| Retained earnings to average equity (ytd only) | -2.7908% | 4,734 |
| Net charge-offs to loans | 0.2648% | 311 |
| Credit loss provision to net charge-offs | 53.9568% | 1,840 |
| Earnings coverage of net charge-offs (x) | -1.4293% | 2,421 |
| Efficiency ratio | 110.1326% | 102 |
| Assets per employee ($millions) | 15.9579% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,577 |
| Loan loss allowance to noncurrent loans | 10,456.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,213 |
| Noncurrent loans to loans | 0.0123% | 4,113 |
| Net loans and leases to total assets | 52.5281% | 3,138 |
| Net loans and leases to deposits | 60.3477% | 3,199 |
| Net loans and leases to core deposits | 76.5613% | 1,994 |
| Total domestic deposits to total assets | 87.0424% | 2,338 |
| Equity capital to assets | 11.1562% | 1,914 |
| Core capital (leverage) ratio | 10.9483% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8819% | 493 |
| Memoranda: | ||
| Average total assets | $351,385,250 | 2,211 |
| Average earning assets | $346,537,250 | 2,121 |
| Average equity | $43,187,750 | 1,999 |
| Average total loans | $209,970,500 | 2,202 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9380% | 4,163 |
| Cost of funding earning assets | 0.7758% | 325 |
| Net interest margin | 2.1623% | 4,623 |
| Noninterest income to average assets | 0.1314% | 4,546 |
| Noninterest expense to average assets | 2.5964% | 1,867 |
| Loan and lease loss provision to assets | 0.1743% | 662 |
| Net operating income to assets | -0.5275% | 4,870 |
| Return on assets (ROA) | -0.5516% | 4,875 |
| Pretax return on assets | -0.5340% | 4,870 |
| Return on Equity (ROE) | -4.3377% | 4,870 |
| Retained earnings to average equity (ytd only) | -4.3377% | 4,767 |
| Net charge-offs to loans | 0.3830% | 221 |
| Credit loss provision to net charge-offs | 73.1527% | 1,511 |
| Earnings coverage of net charge-offs (x) | -1.4089% | 2,212 |
| Efficiency ratio | 114.8456% | 91 |
| Assets per employee ($millions) | 14.5643% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,433 |
| Loan loss allowance to noncurrent loans | 8,428.1250% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,249 |
| Noncurrent loans to loans | 0.0154% | 4,152 |
| Net loans and leases to total assets | 58.5556% | 2,597 |
| Net loans and leases to deposits | 67.5154% | 2,669 |
| Net loans and leases to core deposits | 88.3645% | 1,247 |
| Total domestic deposits to total assets | 86.7292% | 2,458 |
| Equity capital to assets | 12.2577% | 1,241 |
| Core capital (leverage) ratio | 12.4504% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8124% | 436 |
| Memoranda: | ||
| Average total assets | $340,850,667 | 2,250 |
| Average earning assets | $335,666,333 | 2,163 |
| Average equity | $43,341,333 | 1,981 |
| Average total loans | $212,030,333 | 2,196 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0032% | 4,078 |
| Cost of funding earning assets | 0.8197% | 321 |
| Net interest margin | 2.1835% | 4,622 |
| Noninterest income to average assets | 0.0903% | 4,725 |
| Noninterest expense to average assets | 2.7078% | 1,603 |
| Loan and lease loss provision to assets | -0.0071% | 4,570 |
| Net operating income to assets | -0.4719% | 4,887 |
| Return on assets (ROA) | -0.4719% | 4,890 |
| Pretax return on assets | -0.4541% | 4,884 |
| Return on Equity (ROE) | -3.6431% | 4,887 |
| Retained earnings to average equity (ytd only) | -3.6431% | 4,632 |
| Net charge-offs to loans | 0.1829% | 437 |
| Credit loss provision to net charge-offs | -6.1224% | 2,689 |
| Earnings coverage of net charge-offs (x) | -3.9592% | 1,912 |
| Efficiency ratio | 120.5291% | 73 |
| Assets per employee ($millions) | 12.1593% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,554 |
| Loan loss allowance to noncurrent loans | 3,651.3514% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,207 |
| Noncurrent loans to loans | 0.0349% | 4,109 |
| Net loans and leases to total assets | 63.7053% | 2,085 |
| Net loans and leases to deposits | 74.2998% | 2,089 |
| Net loans and leases to core deposits | 100.4751% | 695 |
| Total domestic deposits to total assets | 85.7408% | 2,836 |
| Equity capital to assets | 13.1897% | 862 |
| Core capital (leverage) ratio | 12.7230% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0830% | 446 |
| Memoranda: | ||
| Average total assets | $336,504,500 | 2,253 |
| Average earning assets | $332,313,000 | 2,164 |
| Average equity | $43,589,000 | 1,962 |
| Average total loans | $214,358,500 | 2,186 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0611% | 4,593 |
| Cost of funding earning assets | 1.0660% | 461 |
| Net interest margin | 1.9951% | 4,826 |
| Noninterest income to average assets | 0.1116% | 4,704 |
| Noninterest expense to average assets | 3.4689% | 724 |
| Loan and lease loss provision to assets | 0.2268% | 1,722 |
| Net operating income to assets | -1.6243% | 4,949 |
| Return on assets (ROA) | -1.6207% | 4,951 |
| Pretax return on assets | -1.6101% | 4,948 |
| Return on Equity (ROE) | -13.7497% | 4,964 |
| Retained earnings to average equity (ytd only) | -13.7497% | 4,940 |
| Net charge-offs to loans | 0.3339% | 530 |
| Credit loss provision to net charge-offs | 117.8046% | 2,655 |
| Earnings coverage of net charge-offs (x) | -7.2035% | 3,394 |
| Efficiency ratio | 166.6130% | 28 |
| Assets per employee ($millions) | 12.3110% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,443 |
| Loan loss allowance to noncurrent loans | 4,524.1935% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 4,310 |
| Noncurrent loans to loans | 0.0286% | 4,201 |
| Net loans and leases to total assets | 62.1004% | 2,593 |
| Net loans and leases to deposits | 72.0864% | 2,679 |
| Net loans and leases to core deposits | 98.0942% | 1,002 |
| Total domestic deposits to total assets | 86.1471% | 2,305 |
| Equity capital to assets | 12.7285% | 1,213 |
| Core capital (leverage) ratio | 12.1112% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6048% | 464 |
| Memoranda: | ||
| Average total assets | $387,992,400 | 1,897 |
| Average earning assets | $383,194,600 | 1,821 |
| Average equity | $45,731,800 | 1,822 |
| Average total loans | $223,700,800 | 2,082 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0829% | 4,672 |
| Cost of funding earning assets | 1.1182% | 501 |
| Net interest margin | 1.9647% | 4,898 |
| Noninterest income to average assets | 0.1294% | 4,644 |
| Noninterest expense to average assets | 3.6604% | 572 |
| Loan and lease loss provision to assets | 0.2971% | 1,360 |
| Net operating income to assets | -1.9043% | 4,985 |
| Return on assets (ROA) | -1.8996% | 4,987 |
| Pretax return on assets | -1.8845% | 4,983 |
| Return on Equity (ROE) | -16.3994% | 4,994 |
| Retained earnings to average equity (ytd only) | -16.3994% | 4,975 |
| Net charge-offs to loans | 0.2869% | 549 |
| Credit loss provision to net charge-offs | 183.2990% | 2,170 |
| Earnings coverage of net charge-offs (x) | -9.8186% | 3,199 |
| Efficiency ratio | 176.9678% | 26 |
| Assets per employee ($millions) | 12.9826% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 1,876 |
| Loan loss allowance to noncurrent loans | 3,994.8052% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,368 |
| Noncurrent loans to loans | 0.0343% | 4,253 |
| Net loans and leases to total assets | 60.9169% | 3,120 |
| Net loans and leases to deposits | 70.5550% | 3,258 |
| Net loans and leases to core deposits | 93.4788% | 1,676 |
| Total domestic deposits to total assets | 86.3397% | 1,923 |
| Equity capital to assets | 12.2513% | 1,547 |
| Core capital (leverage) ratio | 11.5745% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7587% | 470 |
| Memoranda: | ||
| Average total assets | $398,813,500 | 1,844 |
| Average earning assets | $393,602,750 | 1,766 |
| Average equity | $46,195,750 | 1,801 |
| Average total loans | $225,408,500 | 2,061 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1866% | 4,728 |
| Cost of funding earning assets | 1.1902% | 519 |
| Net interest margin | 1.9964% | 4,947 |
| Noninterest income to average assets | 0.1276% | 4,665 |
| Noninterest expense to average assets | 4.2053% | 332 |
| Loan and lease loss provision to assets | 0.3683% | 1,135 |
| Net operating income to assets | -2.4906% | 5,027 |
| Return on assets (ROA) | -2.4838% | 5,026 |
| Pretax return on assets | -2.4692% | 5,020 |
| Return on Equity (ROE) | -21.8142% | 5,033 |
| Retained earnings to average equity (ytd only) | -21.8142% | 5,011 |
| Net charge-offs to loans | 0.3872% | 406 |
| Credit loss provision to net charge-offs | 172.9977% | 2,023 |
| Earnings coverage of net charge-offs (x) | -9.9016% | 2,983 |
| Efficiency ratio | 200.4877% | 20 |
| Assets per employee ($millions) | 14.2947% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 1,552 |
| Loan loss allowance to noncurrent loans | 13,595.4545% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,560 |
| Noncurrent loans to loans | 0.0104% | 4,474 |
| Net loans and leases to total assets | 54.1655% | 3,862 |
| Net loans and leases to deposits | 62.5314% | 3,974 |
| Net loans and leases to core deposits | 83.3872% | 2,665 |
| Total domestic deposits to total assets | 86.6213% | 1,767 |
| Equity capital to assets | 11.6731% | 1,850 |
| Core capital (leverage) ratio | 11.1033% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0279% | 502 |
| Memoranda: | ||
| Average total assets | $410,580,333 | 1,779 |
| Average earning assets | $405,131,667 | 1,694 |
| Average equity | $46,749,333 | 1,773 |
| Average total loans | $225,705,667 | 2,045 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3311% | 4,791 |
| Cost of funding earning assets | 1.3188% | 537 |
| Net interest margin | 2.0123% | 5,008 |
| Noninterest income to average assets | 0.1372% | 4,680 |
| Noninterest expense to average assets | 3.8270% | 598 |
| Loan and lease loss provision to assets | 0.5647% | 502 |
| Net operating income to assets | -2.2871% | 5,061 |
| Return on assets (ROA) | -2.2739% | 5,047 |
| Pretax return on assets | -2.2597% | 5,037 |
| Return on Equity (ROE) | -20.2027% | 5,058 |
| Retained earnings to average equity (ytd only) | -20.2027% | 4,968 |
| Net charge-offs to loans | 0.3389% | 424 |
| Credit loss provision to net charge-offs | 303.0457% | 1,168 |
| Earnings coverage of net charge-offs (x) | -9.1675% | 2,531 |
| Efficiency ratio | 180.6250% | 34 |
| Assets per employee ($millions) | 16.2684% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 2,001 |
| Loan loss allowance to noncurrent loans | 4,727.6923% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 4,561 |
| Noncurrent loans to loans | 0.0281% | 4,452 |
| Net loans and leases to total assets | 56.0639% | 3,834 |
| Net loans and leases to deposits | 63.8937% | 3,991 |
| Net loans and leases to core deposits | 83.5577% | 2,887 |
| Total domestic deposits to total assets | 87.7456% | 1,211 |
| Equity capital to assets | 11.2316% | 2,656 |
| Core capital (leverage) ratio | 10.9615% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3603% | 713 |
| Memoranda: | ||
| Average total assets | $422,892,500 | 1,700 |
| Average earning assets | $416,439,500 | 1,610 |
| Average equity | $47,597,500 | 1,740 |
| Average total loans | $232,535,500 | 1,974 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 4,762 |
| Cost of funding earning assets | 1.3609% | 632 |
| Net interest margin | 2.2594% | 5,047 |
| Noninterest income to average assets | 0.2565% | 4,147 |
| Noninterest expense to average assets | 2.6165% | 3,132 |
| Loan and lease loss provision to assets | 0.3585% | 418 |
| Net operating income to assets | -0.4948% | 5,053 |
| Return on assets (ROA) | -0.4105% | 5,050 |
| Pretax return on assets | -0.3967% | 5,047 |
| Return on Equity (ROE) | -3.6618% | 5,059 |
| Retained earnings to average equity (ytd only) | -3.6618% | 4,936 |
| Net charge-offs to loans | 0.4461% | 426 |
| Credit loss provision to net charge-offs | 153.6346% | 1,661 |
| Earnings coverage of net charge-offs (x) | -0.5255% | 3,645 |
| Efficiency ratio | 104.9168% | 130 |
| Assets per employee ($millions) | 18.2948% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 2,736 |
| Loan loss allowance to noncurrent loans | 6,213.9535% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 4,622 |
| Noncurrent loans to loans | 0.0184% | 4,499 |
| Net loans and leases to total assets | 52.6809% | 4,172 |
| Net loans and leases to deposits | 60.1028% | 4,285 |
| Net loans and leases to core deposits | 80.3513% | 3,269 |
| Total domestic deposits to total assets | 87.6513% | 1,296 |
| Equity capital to assets | 11.2771% | 2,736 |
| Core capital (leverage) ratio | 11.4253% | 2,169 |
| Tier 1 risk-based capital ratio | 22.2744% | 994 |
| Total risk-based capital ratio | 23.4908% | 973 |
| Memoranda: | ||
| Average total assets | $436,310,400 | 1,605 |
| Average earning assets | $432,060,600 | 1,496 |
| Average equity | $48,910,200 | 1,634 |
| Average total loans | $228,200,800 | 1,968 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6844% | 4,797 |
| Cost of funding earning assets | 1.3546% | 669 |
| Net interest margin | 2.3299% | 5,120 |
| Noninterest income to average assets | 0.2565% | 4,204 |
| Noninterest expense to average assets | 2.1033% | 4,360 |
| Loan and lease loss provision to assets | 0.3523% | 384 |
| Net operating income to assets | 0.1005% | 5,016 |
| Return on assets (ROA) | 0.2032% | 4,964 |
| Pretax return on assets | 0.2170% | 4,974 |
| Return on Equity (ROE) | 1.8157% | 4,921 |
| Retained earnings to average equity (ytd only) | 1.8157% | 4,335 |
| Net charge-offs to loans | 0.4304% | 387 |
| Credit loss provision to net charge-offs | 157.2404% | 1,577 |
| Earnings coverage of net charge-offs (x) | 2.0533% | 3,226 |
| Efficiency ratio | 82.0537% | 752 |
| Assets per employee ($millions) | 17.2742% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 3,670 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,675 |
| Noncurrent loans to loans | 0.0259% | 4,561 |
| Net loans and leases to total assets | 59.4045% | 3,734 |
| Net loans and leases to deposits | 68.0347% | 3,914 |
| Net loans and leases to core deposits | 89.4448% | 2,591 |
| Total domestic deposits to total assets | 87.3150% | 1,365 |
| Equity capital to assets | 12.0105% | 2,252 |
| Core capital (leverage) ratio | 11.3179% | 2,365 |
| Tier 1 risk-based capital ratio | 21.0816% | 1,184 |
| Total risk-based capital ratio | 22.1259% | 1,183 |
| Memoranda: | ||
| Average total assets | $435,619,500 | 1,616 |
| Average earning assets | $431,318,250 | 1,514 |
| Average equity | $48,759,000 | 1,640 |
| Average total loans | $226,756,000 | 1,993 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 4,914 |
| Cost of funding earning assets | 1.2968% | 745 |
| Net interest margin | 2.3296% | 5,184 |
| Noninterest income to average assets | 0.2577% | 4,211 |
| Noninterest expense to average assets | 1.8962% | 4,757 |
| Loan and lease loss provision to assets | 0.3649% | 344 |
| Net operating income to assets | 0.2948% | 4,881 |
| Return on assets (ROA) | 0.2948% | 4,892 |
| Pretax return on assets | 0.3086% | 4,925 |
| Return on Equity (ROE) | 2.6989% | 4,839 |
| Retained earnings to average equity (ytd only) | 2.6989% | 3,851 |
| Net charge-offs to loans | 0.4389% | 375 |
| Credit loss provision to net charge-offs | 168.1435% | 1,374 |
| Earnings coverage of net charge-offs (x) | 3.1034% | 2,877 |
| Efficiency ratio | 73.7930% | 1,667 |
| Assets per employee ($millions) | 16.7135% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,111 |
| Loan loss allowance to noncurrent loans | 2,721.1111% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 4,686 |
| Noncurrent loans to loans | 0.0401% | 4,510 |
| Net loans and leases to total assets | 49.1310% | 4,515 |
| Net loans and leases to deposits | 56.0013% | 4,591 |
| Net loans and leases to core deposits | 72.0243% | 4,001 |
| Total domestic deposits to total assets | 87.7318% | 1,234 |
| Equity capital to assets | 11.5491% | 2,573 |
| Core capital (leverage) ratio | 11.4193% | 2,232 |
| Tier 1 risk-based capital ratio | 22.1210% | 1,042 |
| Total risk-based capital ratio | 23.1821% | 1,035 |
| Memoranda: | ||
| Average total assets | $436,874,000 | 1,604 |
| Average earning assets | $433,543,670 | 1,515 |
| Average equity | $47,722,670 | 1,658 |
| Average total loans | $215,978,670 | 2,071 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 4,940 |
| Cost of funding earning assets | 1.2932% | 669 |
| Net interest margin | 2.3304% | 5,247 |
| Noninterest income to average assets | 0.3044% | 3,842 |
| Noninterest expense to average assets | 1.8916% | 4,811 |
| Loan and lease loss provision to assets | 0.2988% | 430 |
| Net operating income to assets | 0.4133% | 4,704 |
| Return on assets (ROA) | 0.4133% | 4,716 |
| Pretax return on assets | 0.4273% | 4,804 |
| Return on Equity (ROE) | 3.9011% | 4,594 |
| Retained earnings to average equity (ytd only) | 3.9011% | 3,351 |
| Net charge-offs to loans | 0.4493% | 339 |
| Credit loss provision to net charge-offs | 134.8739% | 1,328 |
| Earnings coverage of net charge-offs (x) | 3.2773% | 2,417 |
| Efficiency ratio | 72.2617% | 1,993 |
| Assets per employee ($millions) | 18.7171% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,525 |
| Loan loss allowance to noncurrent loans | 3,683.3333% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,809 |
| Noncurrent loans to loans | 0.0280% | 4,654 |
| Net loans and leases to total assets | 45.4001% | 4,686 |
| Net loans and leases to deposits | 51.2094% | 4,777 |
| Net loans and leases to core deposits | 64.2168% | 4,369 |
| Total domestic deposits to total assets | 88.6559% | 1,015 |
| Equity capital to assets | 10.9587% | 2,895 |
| Core capital (leverage) ratio | 11.6429% | 2,026 |
| Tier 1 risk-based capital ratio | 24.9193% | 764 |
| Total risk-based capital ratio | 25.9972% | 768 |
| Memoranda: | ||
| Average total assets | $429,678,500 | 1,637 |
| Average earning assets | $426,542,000 | 1,543 |
| Average equity | $45,525,500 | 1,718 |
| Average total loans | $211,888,000 | 2,124 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4942% | 4,922 |
| Cost of funding earning assets | 1.1477% | 419 |
| Net interest margin | 2.3465% | 5,269 |
| Noninterest income to average assets | 0.1782% | 4,835 |
| Noninterest expense to average assets | 2.1995% | 4,338 |
| Loan and lease loss provision to assets | 0.0822% | 2,487 |
| Net operating income to assets | 0.2069% | 5,101 |
| Return on assets (ROA) | 0.2087% | 5,095 |
| Pretax return on assets | 0.2223% | 5,100 |
| Return on Equity (ROE) | 1.9044% | 5,055 |
| Retained earnings to average equity (ytd only) | 1.9044% | 4,386 |
| Net charge-offs to loans | 0.2244% | 869 |
| Credit loss provision to net charge-offs | 65.7778% | 3,042 |
| Earnings coverage of net charge-offs (x) | 2.4222% | 3,519 |
| Efficiency ratio | 87.9077% | 438 |
| Assets per employee ($millions) | 16.3095% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,577 |
| Loan loss allowance to noncurrent loans | 2,085.2941% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 4,732 |
| Noncurrent loans to loans | 0.0488% | 4,522 |
| Net loans and leases to total assets | 52.8829% | 4,361 |
| Net loans and leases to deposits | 59.2516% | 4,518 |
| Net loans and leases to core deposits | 74.1879% | 3,837 |
| Total domestic deposits to total assets | 89.2514% | 755 |
| Equity capital to assets | 10.1607% | 3,517 |
| Core capital (leverage) ratio | 10.3535% | 3,196 |
| Tier 1 risk-based capital ratio | 21.5649% | 1,085 |
| Total risk-based capital ratio | 22.6901% | 1,083 |
| Memoranda: | ||
| Average total assets | $360,261,600 | 1,877 |
| Average earning assets | $356,789,800 | 1,781 |
| Average equity | $39,488,200 | 1,886 |
| Average total loans | $200,502,400 | 2,170 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3550% | 5,080 |
| Cost of funding earning assets | 1.0890% | 419 |
| Net interest margin | 2.2660% | 5,364 |
| Noninterest income to average assets | 0.1502% | 5,025 |
| Noninterest expense to average assets | 2.2197% | 4,277 |
| Loan and lease loss provision to assets | 0.0590% | 2,796 |
| Net operating income to assets | 0.0980% | 5,257 |
| Return on assets (ROA) | 0.1002% | 5,248 |
| Pretax return on assets | 0.1173% | 5,243 |
| Return on Equity (ROE) | 0.8964% | 5,244 |
| Retained earnings to average equity (ytd only) | 0.8964% | 4,882 |
| Net charge-offs to loans | 0.2158% | 787 |
| Credit loss provision to net charge-offs | 48.5981% | 2,843 |
| Earnings coverage of net charge-offs (x) | 1.4299% | 3,348 |
| Efficiency ratio | 92.7454% | 266 |
| Assets per employee ($millions) | 15.1270% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,837 |
| Loan loss allowance to noncurrent loans | 2,488.2353% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,870 |
| Noncurrent loans to loans | 0.0398% | 4,719 |
| Net loans and leases to total assets | 58.3057% | 4,006 |
| Net loans and leases to deposits | 65.7737% | 4,213 |
| Net loans and leases to core deposits | 82.6179% | 3,285 |
| Total domestic deposits to total assets | 88.6458% | 978 |
| Equity capital to assets | 10.8088% | 2,837 |
| Core capital (leverage) ratio | 11.5973% | 2,088 |
| Tier 1 risk-based capital ratio | 21.0209% | 1,183 |
| Total risk-based capital ratio | 22.1247% | 1,176 |
| Memoranda: | ||
| Average total assets | $352,469,750 | 1,921 |
| Average earning assets | $348,923,000 | 1,818 |
| Average equity | $39,417,250 | 1,886 |
| Average total loans | $198,346,500 | 2,199 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3120% | 5,131 |
| Cost of funding earning assets | 1.0275% | 413 |
| Net interest margin | 2.2845% | 5,422 |
| Noninterest income to average assets | 0.1513% | 5,066 |
| Noninterest expense to average assets | 2.2244% | 4,314 |
| Loan and lease loss provision to assets | 0.0802% | 2,303 |
| Net operating income to assets | 0.0895% | 5,301 |
| Return on assets (ROA) | 0.0929% | 5,291 |
| Pretax return on assets | 0.1100% | 5,287 |
| Return on Equity (ROE) | 0.8208% | 5,287 |
| Retained earnings to average equity (ytd only) | 0.8208% | 4,798 |
| Net charge-offs to loans | 0.2516% | 636 |
| Credit loss provision to net charge-offs | 57.6132% | 2,445 |
| Earnings coverage of net charge-offs (x) | 1.3374% | 3,075 |
| Efficiency ratio | 92.2729% | 300 |
| Assets per employee ($millions) | 15.9435% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,161 |
| Loan loss allowance to noncurrent loans | 6,222.8571% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,002 |
| Noncurrent loans to loans | 0.0180% | 4,860 |
| Net loans and leases to total assets | 50.3861% | 4,586 |
| Net loans and leases to deposits | 56.5487% | 4,721 |
| Net loans and leases to core deposits | 71.3922% | 4,052 |
| Total domestic deposits to total assets | 89.1021% | 894 |
| Equity capital to assets | 10.2401% | 3,399 |
| Core capital (leverage) ratio | 10.7616% | 2,744 |
| Tier 1 risk-based capital ratio | 21.7355% | 1,073 |
| Total risk-based capital ratio | 22.9141% | 1,055 |
| Memoranda: | ||
| Average total assets | $348,944,000 | 1,943 |
| Average earning assets | $345,108,330 | 1,840 |
| Average equity | $39,476,000 | 1,889 |
| Average total loans | $193,198,000 | 2,238 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3584% | 5,065 |
| Cost of funding earning assets | 1.0232% | 331 |
| Net interest margin | 2.3352% | 5,461 |
| Noninterest income to average assets | 0.2084% | 4,773 |
| Noninterest expense to average assets | 2.3042% | 4,186 |
| Loan and lease loss provision to assets | 0.1795% | 961 |
| Net operating income to assets | 0.0157% | 5,382 |
| Return on assets (ROA) | 0.0157% | 5,379 |
| Pretax return on assets | 0.0337% | 5,370 |
| Return on Equity (ROE) | 0.1312% | 5,378 |
| Retained earnings to average equity (ytd only) | 0.1312% | 4,787 |
| Net charge-offs to loans | 0.2226% | 676 |
| Credit loss provision to net charge-offs | 139.2523% | 1,278 |
| Earnings coverage of net charge-offs (x) | 1.6542% | 2,538 |
| Efficiency ratio | 91.5311% | 381 |
| Assets per employee ($millions) | 15.3512% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 2,399 |
| Loan loss allowance to noncurrent loans | 4,740.8163% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 5,060 |
| Noncurrent loans to loans | 0.0268% | 4,859 |
| Net loans and leases to total assets | 49.0041% | 4,629 |
| Net loans and leases to deposits | 55.1072% | 4,739 |
| Net loans and leases to core deposits | 71.1468% | 4,021 |
| Total domestic deposits to total assets | 88.9251% | 1,131 |
| Equity capital to assets | 10.6444% | 2,932 |
| Core capital (leverage) ratio | 11.6207% | 1,918 |
| Tier 1 risk-based capital ratio | 22.4178% | 1,001 |
| Total risk-based capital ratio | 23.6680% | 981 |
| Memoranda: | ||
| Average total assets | $332,094,500 | 2,010 |
| Average earning assets | $328,368,000 | 1,929 |
| Average equity | $39,622,500 | 1,884 |
| Average total loans | $192,308,500 | 2,253 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9073% | 5,411 |
| Cost of funding earning assets | 0.9531% | 283 |
| Net interest margin | 1.9542% | 5,581 |
| Noninterest income to average assets | 0.1065% | 5,388 |
| Noninterest expense to average assets | 2.6043% | 3,433 |
| Loan and lease loss provision to assets | 0.4997% | 261 |
| Net operating income to assets | -1.0928% | 5,597 |
| Return on assets (ROA) | -1.0438% | 5,592 |
| Pretax return on assets | -1.0223% | 5,600 |
| Return on Equity (ROE) | -7.3960% | 5,571 |
| Retained earnings to average equity (ytd only) | -7.3960% | 5,491 |
| Net charge-offs to loans | 0.0089% | 3,776 |
| Credit loss provision to net charge-offs | 10,576.9231% | 30 |
| Earnings coverage of net charge-offs (x) | -121.0000% | 4,120 |
| Efficiency ratio | 128.1244% | 47 |
| Assets per employee ($millions) | 11.8304% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,186 |
| Loan loss allowance to noncurrent loans | 19,008.3333% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,178 |
| Noncurrent loans to loans | 0.0059% | 5,031 |
| Net loans and leases to total assets | 67.4423% | 2,897 |
| Net loans and leases to deposits | 78.5802% | 3,055 |
| Net loans and leases to core deposits | 111.7418% | 913 |
| Total domestic deposits to total assets | 85.8261% | 2,522 |
| Equity capital to assets | 13.5339% | 1,048 |
| Core capital (leverage) ratio | 13.6904% | 912 |
| Tier 1 risk-based capital ratio | 20.1571% | 1,287 |
| Total risk-based capital ratio | 21.3081% | 1,270 |
| Memoranda: | ||
| Average total assets | $275,157,400 | 2,317 |
| Average earning assets | $271,215,400 | 2,200 |
| Average equity | $38,831,800 | 1,904 |
| Average total loans | $146,614,000 | 2,688 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7560% | 5,536 |
| Cost of funding earning assets | 0.9097% | 323 |
| Net interest margin | 1.8464% | 5,666 |
| Noninterest income to average assets | 0.0316% | 5,635 |
| Noninterest expense to average assets | 2.6749% | 3,141 |
| Loan and lease loss provision to assets | 0.6518% | 174 |
| Net operating income to assets | -1.4972% | 5,697 |
| Return on assets (ROA) | -1.4617% | 5,696 |
| Pretax return on assets | -1.4394% | 5,693 |
| Return on Equity (ROE) | -10.2421% | 5,671 |
| Retained earnings to average equity (ytd only) | -10.2421% | 5,608 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.4533% | 28 |
| Assets per employee ($millions) | 13.0673% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 56.1879% | 4,220 |
| Net loans and leases to deposits | 65.0639% | 4,316 |
| Net loans and leases to core deposits | 85.6532% | 2,998 |
| Total domestic deposits to total assets | 86.3580% | 2,149 |
| Equity capital to assets | 12.9814% | 1,398 |
| Core capital (leverage) ratio | 13.3458% | 1,082 |
| Tier 1 risk-based capital ratio | 21.8657% | 1,055 |
| Total risk-based capital ratio | 23.1162% | 1,040 |
| Memoranda: | ||
| Average total assets | $270,006,500 | 2,366 |
| Average earning assets | $266,173,500 | 2,247 |
| Average equity | $38,532,750 | 1,933 |
| Average total loans | $132,830,250 | 2,895 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6008% | 5,633 |
| Cost of funding earning assets | 0.8585% | 388 |
| Net interest margin | 1.7423% | 5,724 |
| Noninterest income to average assets | 0.0310% | 5,683 |
| Noninterest expense to average assets | 2.7186% | 3,017 |
| Loan and lease loss provision to assets | 0.5125% | 224 |
| Net operating income to assets | -1.5065% | 5,752 |
| Return on assets (ROA) | -1.4657% | 5,748 |
| Pretax return on assets | -1.4429% | 5,745 |
| Return on Equity (ROE) | -9.9442% | 5,717 |
| Retained earnings to average equity (ytd only) | -9.9442% | 5,650 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.5893% | 22 |
| Assets per employee ($millions) | 13.3097% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 3,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 47.9566% | 4,826 |
| Net loans and leases to deposits | 57.3782% | 4,779 |
| Net loans and leases to core deposits | 75.2818% | 3,832 |
| Total domestic deposits to total assets | 83.5798% | 3,371 |
| Equity capital to assets | 13.7065% | 1,068 |
| Core capital (leverage) ratio | 14.5093% | 740 |
| Tier 1 risk-based capital ratio | 25.1719% | 729 |
| Total risk-based capital ratio | 26.2262% | 732 |
| Memoranda: | ||
| Average total assets | $264,182,000 | 2,413 |
| Average earning assets | $260,229,670 | 2,296 |
| Average equity | $38,937,330 | 1,917 |
| Average total loans | $122,517,670 | 3,055 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5488% | 5,704 |
| Cost of funding earning assets | 0.7957% | 502 |
| Net interest margin | 1.7531% | 5,792 |
| Noninterest income to average assets | 0.0359% | 5,750 |
| Noninterest expense to average assets | 2.8317% | 2,680 |
| Loan and lease loss provision to assets | 0.2651% | 555 |
| Net operating income to assets | -1.3597% | 5,796 |
| Return on assets (ROA) | -1.2771% | 5,792 |
| Pretax return on assets | -1.2537% | 5,786 |
| Return on Equity (ROE) | -8.3463% | 5,771 |
| Retained earnings to average equity (ytd only) | -8.3463% | 5,535 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.8503% | 29 |
| Assets per employee ($millions) | 11.2903% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 49.1787% | 4,737 |
| Net loans and leases to deposits | 58.6124% | 4,658 |
| Net loans and leases to core deposits | 84.0793% | 2,891 |
| Total domestic deposits to total assets | 83.9049% | 3,513 |
| Equity capital to assets | 15.6820% | 546 |
| Core capital (leverage) ratio | 15.2816% | 559 |
| Tier 1 risk-based capital ratio | 27.0841% | 619 |
| Total risk-based capital ratio | 27.8388% | 641 |
| Memoranda: | ||
| Average total assets | $256,521,500 | 2,490 |
| Average earning assets | $252,353,500 | 2,381 |
| Average equity | $39,251,000 | 1,900 |
| Average total loans | $115,958,500 | 3,170 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2729% | 5,807 |
| Cost of funding earning assets | 0.7782% | 556 |
| Net interest margin | 1.4947% | 5,855 |
| Noninterest income to average assets | 0.0255% | 5,815 |
| Noninterest expense to average assets | 2.4968% | 4,022 |
| Loan and lease loss provision to assets | 0.1729% | 1,402 |
| Net operating income to assets | -1.1981% | 5,845 |
| Return on assets (ROA) | -1.0383% | 5,839 |
| Pretax return on assets | -1.0030% | 5,834 |
| Return on Equity (ROE) | -6.4403% | 5,805 |
| Retained earnings to average equity (ytd only) | -6.4403% | 5,716 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.6855% | 25 |
| Assets per employee ($millions) | 12.0299% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 4,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 40.7153% | 5,285 |
| Net loans and leases to deposits | 48.0869% | 5,296 |
| Net loans and leases to core deposits | 68.9841% | 4,322 |
| Total domestic deposits to total assets | 84.6703% | 3,184 |
| Equity capital to assets | 14.9439% | 650 |
| Core capital (leverage) ratio | 16.6194% | 390 |
| Tier 1 risk-based capital ratio | 27.9496% | 568 |
| Total risk-based capital ratio | 28.5941% | 586 |
| Memoranda: | ||
| Average total assets | $243,473,200 | 2,559 |
| Average earning assets | $241,319,800 | 2,423 |
| Average equity | $39,252,600 | 1,871 |
| Average total loans | $85,309,000 | 3,680 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2794% | 5,874 |
| Cost of funding earning assets | 0.7901% | 534 |
| Net interest margin | 1.4893% | 5,925 |
| Noninterest income to average assets | 0.0269% | 5,886 |
| Noninterest expense to average assets | 2.4754% | 4,063 |
| Loan and lease loss provision to assets | 0.2357% | 825 |
| Net operating income to assets | -1.1833% | 5,916 |
| Return on assets (ROA) | -1.0407% | 5,910 |
| Pretax return on assets | -1.0625% | 5,904 |
| Return on Equity (ROE) | -6.3265% | 5,881 |
| Retained earnings to average equity (ytd only) | -6.3265% | 5,773 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.6927% | 27 |
| Assets per employee ($millions) | 10.8391% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 4,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 40.0851% | 5,375 |
| Net loans and leases to deposits | 48.3353% | 5,369 |
| Net loans and leases to core deposits | 71.1276% | 4,240 |
| Total domestic deposits to total assets | 82.9313% | 3,629 |
| Equity capital to assets | 16.3625% | 502 |
| Core capital (leverage) ratio | 15.7220% | 524 |
| Tier 1 risk-based capital ratio | 27.6232% | 606 |
| Total risk-based capital ratio | 28.2995% | 624 |
| Memoranda: | ||
| Average total assets | $238,177,250 | 2,604 |
| Average earning assets | $236,083,000 | 2,475 |
| Average equity | $39,178,250 | 1,883 |
| Average total loans | $79,467,500 | 3,838 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2045% | 5,973 |
| Cost of funding earning assets | 0.7772% | 547 |
| Net interest margin | 1.4273% | 6,007 |
| Noninterest income to average assets | 0.0294% | 5,954 |
| Noninterest expense to average assets | 2.4462% | 4,200 |
| Loan and lease loss provision to assets | 0.3226% | 532 |
| Net operating income to assets | -1.3785% | 5,994 |
| Return on assets (ROA) | -1.1601% | 5,986 |
| Pretax return on assets | -1.1063% | 5,977 |
| Return on Equity (ROE) | -7.0402% | 5,954 |
| Retained earnings to average equity (ytd only) | -7.0402% | 5,823 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.4008% | 32 |
| Assets per employee ($millions) | 12.1810% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.6348% | 5,531 |
| Net loans and leases to deposits | 45.2141% | 5,520 |
| Net loans and leases to core deposits | 64.0520% | 4,745 |
| Total domestic deposits to total assets | 83.2370% | 3,560 |
| Equity capital to assets | 16.1764% | 518 |
| Core capital (leverage) ratio | 15.7116% | 495 |
| Tier 1 risk-based capital ratio | 28.3577% | 574 |
| Total risk-based capital ratio | 29.0143% | 594 |
| Memoranda: | ||
| Average total assets | $238,083,000 | 2,615 |
| Average earning assets | $235,972,000 | 2,487 |
| Average equity | $39,231,670 | 1,890 |
| Average total loans | $73,788,000 | 4,003 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1203% | 6,048 |
| Cost of funding earning assets | 0.7514% | 629 |
| Net interest margin | 1.3689% | 6,075 |
| Noninterest income to average assets | 0.0306% | 6,018 |
| Noninterest expense to average assets | 2.4002% | 4,373 |
| Loan and lease loss provision to assets | 0.3910% | 359 |
| Net operating income to assets | -1.4551% | 6,055 |
| Return on assets (ROA) | -1.0131% | 6,031 |
| Pretax return on assets | -0.9621% | 6,017 |
| Return on Equity (ROE) | -6.0905% | 5,987 |
| Retained earnings to average equity (ytd only) | -6.0905% | 5,667 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 173.0392% | 28 |
| Assets per employee ($millions) | 12.9142% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 4,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 31.1436% | 5,798 |
| Net loans and leases to deposits | 37.2769% | 5,801 |
| Net loans and leases to core deposits | 52.2913% | 5,336 |
| Total domestic deposits to total assets | 83.5465% | 3,696 |
| Equity capital to assets | 16.1193% | 520 |
| Core capital (leverage) ratio | 16.0470% | 464 |
| Tier 1 risk-based capital ratio | 28.5962% | 569 |
| Total risk-based capital ratio | 29.1323% | 603 |
| Memoranda: | ||
| Average total assets | $235,314,500 | 2,649 |
| Average earning assets | $233,180,000 | 2,520 |
| Average equity | $39,143,000 | 1,887 |
| Average total loans | $64,398,000 | 4,249 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1514% | 6,080 |
| Cost of funding earning assets | 0.7901% | 514 |
| Net interest margin | 1.3613% | 6,118 |
| Noninterest income to average assets | 0.0079% | 6,090 |
| Noninterest expense to average assets | 2.5414% | 4,099 |
| Loan and lease loss provision to assets | 0.1499% | 1,570 |
| Net operating income to assets | -1.7665% | 6,130 |
| Return on assets (ROA) | -0.8408% | 6,092 |
| Pretax return on assets | -0.4260% | 6,024 |
| Return on Equity (ROE) | -4.3666% | 6,036 |
| Retained earnings to average equity (ytd only) | -4.3666% | 5,884 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 189.7285% | 16 |
| Assets per employee ($millions) | 11.8557% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 22.7085% | 6,021 |
| Net loans and leases to deposits | 27.5037% | 6,018 |
| Net loans and leases to core deposits | 37.6698% | 5,886 |
| Total domestic deposits to total assets | 82.5654% | 3,990 |
| Equity capital to assets | 17.1953% | 388 |
| Core capital (leverage) ratio | 17.3579% | 329 |
| Tier 1 risk-based capital ratio | 36.1723% | 304 |
| Total risk-based capital ratio | 36.6285% | 324 |
| Memoranda: | ||
| Average total assets | $203,507,800 | 2,908 |
| Average earning assets | $199,081,400 | 2,790 |
| Average equity | $39,183,800 | 1,835 |
| Average total loans | $33,606,600 | 5,243 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1543% | 6,174 |
| Cost of funding earning assets | 0.7754% | 576 |
| Net interest margin | 1.3789% | 6,211 |
| Noninterest income to average assets | 0.0094% | 6,171 |
| Noninterest expense to average assets | 2.5761% | 3,960 |
| Loan and lease loss provision to assets | 0.1656% | 1,283 |
| Net operating income to assets | -0.7814% | 6,175 |
| Return on assets (ROA) | -0.0942% | 6,020 |
| Pretax return on assets | -0.3144% | 6,089 |
| Return on Equity (ROE) | -0.4750% | 5,996 |
| Retained earnings to average equity (ytd only) | -0.4750% | 5,687 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.3033% | 17 |
| Assets per employee ($millions) | 11.6725% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 4,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 19.5908% | 6,141 |
| Net loans and leases to deposits | 23.8032% | 6,139 |
| Net loans and leases to core deposits | 30.9677% | 6,082 |
| Total domestic deposits to total assets | 82.3030% | 4,068 |
| Equity capital to assets | 17.3831% | 393 |
| Core capital (leverage) ratio | 17.5432% | 330 |
| Tier 1 risk-based capital ratio | 36.9723% | 305 |
| Total risk-based capital ratio | 37.4155% | 320 |
| Memoranda: | ||
| Average total assets | $198,070,000 | 2,995 |
| Average earning assets | $193,094,250 | 2,884 |
| Average equity | $39,296,250 | 1,840 |
| Average total loans | $29,095,500 | 5,463 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1570% | 6,245 |
| Cost of funding earning assets | 0.7644% | 599 |
| Net interest margin | 1.3926% | 6,284 |
| Noninterest income to average assets | 0.0084% | 6,250 |
| Noninterest expense to average assets | 2.4936% | 4,262 |
| Loan and lease loss provision to assets | 0.1220% | 1,808 |
| Net operating income to assets | -0.6637% | 6,219 |
| Return on assets (ROA) | 0.0673% | 5,954 |
| Pretax return on assets | -0.0989% | 6,065 |
| Return on Equity (ROE) | 0.3237% | 5,989 |
| Retained earnings to average equity (ytd only) | 0.3237% | 5,410 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.4078% | 23 |
| Assets per employee ($millions) | 11.2697% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 4,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 14.7603% | 6,266 |
| Net loans and leases to deposits | 19.6003% | 6,256 |
| Net loans and leases to core deposits | 22.6816% | 6,230 |
| Total domestic deposits to total assets | 75.3065% | 5,671 |
| Equity capital to assets | 19.0535% | 267 |
| Core capital (leverage) ratio | 20.0040% | 205 |
| Tier 1 risk-based capital ratio | 47.5376% | 170 |
| Total risk-based capital ratio | 47.9301% | 176 |
| Memoranda: | ||
| Average total assets | $190,167,330 | 3,094 |
| Average earning assets | $186,559,330 | 2,966 |
| Average equity | $39,544,330 | 1,844 |
| Average total loans | $24,165,330 | 5,705 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2196% | 6,301 |
| Cost of funding earning assets | 0.7918% | 528 |
| Net interest margin | 1.4278% | 6,353 |
| Noninterest income to average assets | 0.0087% | 6,317 |
| Noninterest expense to average assets | 2.5176% | 4,210 |
| Loan and lease loss provision to assets | 0.1262% | 1,641 |
| Net operating income to assets | -0.7979% | 6,296 |
| Return on assets (ROA) | 0.0544% | 5,994 |
| Pretax return on assets | 0.0936% | 5,956 |
| Return on Equity (ROE) | 0.2501% | 6,017 |
| Retained earnings to average equity (ytd only) | 0.2501% | 5,286 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.1022% | 26 |
| Assets per employee ($millions) | 10.2014% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 4,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 12.8980% | 6,349 |
| Net loans and leases to deposits | 16.6792% | 6,339 |
| Net loans and leases to core deposits | 18.2919% | 6,322 |
| Total domestic deposits to total assets | 77.3295% | 5,563 |
| Equity capital to assets | 21.8956% | 153 |
| Core capital (leverage) ratio | 19.9562% | 209 |
| Tier 1 risk-based capital ratio | 51.2670% | 146 |
| Total risk-based capital ratio | 51.6076% | 151 |
| Memoranda: | ||
| Average total assets | $183,823,500 | 3,192 |
| Average earning assets | $179,852,000 | 3,072 |
| Average equity | $39,991,000 | 1,828 |
| Average total loans | $21,123,000 | 5,853 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9134% | 6,430 |
| Cost of funding earning assets | 0.8436% | 531 |
| Net interest margin | 1.0698% | 6,459 |
| Noninterest income to average assets | 0.0045% | 6,383 |
| Noninterest expense to average assets | 2.4214% | 4,785 |
| Loan and lease loss provision to assets | 0.1085% | 2,348 |
| Net operating income to assets | -0.8980% | 6,362 |
| Return on assets (ROA) | -0.4251% | 6,279 |
| Pretax return on assets | -0.7333% | 6,324 |
| Return on Equity (ROE) | -1.9487% | 6,211 |
| Retained earnings to average equity (ytd only) | -1.9487% | 6,005 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 228.9150% | 14 |
| Assets per employee ($millions) | 11.5013% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 4,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 9.8467% | 6,454 |
| Net loans and leases to deposits | 12.6639% | 6,454 |
| Net loans and leases to core deposits | 13.8753% | 6,439 |
| Total domestic deposits to total assets | 77.7542% | 5,479 |
| Equity capital to assets | 21.6149% | 167 |
| Core capital (leverage) ratio | 20.8433% | 180 |
| Tier 1 risk-based capital ratio | 53.3545% | 117 |
| Total risk-based capital ratio | 53.6216% | 122 |
| Memoranda: | ||
| Average total assets | $176,881,200 | 3,244 |
| Average earning assets | $174,137,400 | 3,111 |
| Average equity | $38,589,200 | 1,828 |
| Average total loans | $7,671,200 | 6,381 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8401% | 6,512 |
| Cost of funding earning assets | 0.8515% | 538 |
| Net interest margin | 0.9886% | 6,553 |
| Noninterest income to average assets | 0.0038% | 6,469 |
| Noninterest expense to average assets | 2.4649% | 4,632 |
| Loan and lease loss provision to assets | 0.1112% | 2,189 |
| Net operating income to assets | -0.9677% | 6,460 |
| Return on assets (ROA) | -0.5574% | 6,381 |
| Pretax return on assets | -0.9587% | 6,443 |
| Return on Equity (ROE) | -2.5487% | 6,303 |
| Retained earnings to average equity (ytd only) | -2.5487% | 6,116 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 252.4961% | 12 |
| Assets per employee ($millions) | 10.8925% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 4,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 7.6119% | 6,539 |
| Net loans and leases to deposits | 10.0965% | 6,540 |
| Net loans and leases to core deposits | 10.9805% | 6,528 |
| Total domestic deposits to total assets | 75.3913% | 5,884 |
| Equity capital to assets | 22.5178% | 145 |
| Core capital (leverage) ratio | 22.0192% | 141 |
| Tier 1 risk-based capital ratio | 56.9582% | 102 |
| Total risk-based capital ratio | 57.1749% | 106 |
| Memoranda: | ||
| Average total assets | $175,096,250 | 3,293 |
| Average earning assets | $172,231,750 | 3,158 |
| Average equity | $38,292,500 | 1,851 |
| Average total loans | $5,011,000 | 6,513 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7217% | 6,590 |
| Cost of funding earning assets | 0.8498% | 557 |
| Net interest margin | 0.8718% | 6,618 |
| Noninterest income to average assets | 0.0023% | 6,542 |
| Noninterest expense to average assets | 2.5603% | 4,381 |
| Loan and lease loss provision to assets | 0.0718% | 2,835 |
| Net operating income to assets | -1.0792% | 6,536 |
| Return on assets (ROA) | -0.5486% | 6,448 |
| Pretax return on assets | -0.9432% | 6,502 |
| Return on Equity (ROE) | -2.5332% | 6,357 |
| Retained earnings to average equity (ytd only) | -2.5332% | 6,051 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 297.7454% | 7 |
| Assets per employee ($millions) | 9.3369% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 5,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 3.8914% | 6,614 |
| Net loans and leases to deposits | 5.0778% | 6,617 |
| Net loans and leases to core deposits | 5.7505% | 6,604 |
| Total domestic deposits to total assets | 76.6351% | 5,844 |
| Equity capital to assets | 22.6277% | 133 |
| Core capital (leverage) ratio | 21.7935% | 135 |
| Tier 1 risk-based capital ratio | 66.8766% | 77 |
| Total risk-based capital ratio | 66.9917% | 78 |
| Memoranda: | ||
| Average total assets | $175,368,330 | 3,306 |
| Average earning assets | $172,508,000 | 3,163 |
| Average equity | $37,975,330 | 1,854 |
| Average total loans | $2,210,670 | 6,612 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5558% | 6,674 |
| Cost of funding earning assets | 0.8302% | 640 |
| Net interest margin | 0.7256% | 6,704 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 2.3573% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.0260% | 6,576 |
| Return on assets (ROA) | -0.3039% | 6,401 |
| Pretax return on assets | -0.5161% | 6,460 |
| Return on Equity (ROE) | -1.4335% | 6,325 |
| Retained earnings to average equity (ytd only) | -1.4335% | 5,787 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 330.7210% | 11 |
| Assets per employee ($millions) | 12.4299% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 0.0156% | 6,691 |
| Net loans and leases to deposits | 0.0212% | 6,691 |
| Net loans and leases to core deposits | 0.0249% | 6,678 |
| Total domestic deposits to total assets | 73.4919% | 6,279 |
| Equity capital to assets | 20.2559% | 203 |
| Core capital (leverage) ratio | 19.8290% | 214 |
| Tier 1 risk-based capital ratio | 75.2269% | 72 |
| Total risk-based capital ratio | 75.2269% | 72 |
| Memoranda: | ||
| Average total assets | $179,020,500 | 3,288 |
| Average earning assets | $175,859,500 | 3,149 |
| Average equity | $37,948,500 | 1,858 |
| Average total loans | $14,500 | 6,692 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6201% | 6,741 |
| Cost of funding earning assets | 0.9064% | 712 |
| Net interest margin | 0.7137% | 6,774 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 0.8394% | 6,768 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0487% | 6,252 |
| Return on assets (ROA) | -0.1863% | 6,363 |
| Pretax return on assets | -0.3450% | 6,433 |
| Return on Equity (ROE) | -1.1943% | 6,338 |
| Retained earnings to average equity (ytd only) | -1.1943% | 6,088 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3320% | 190 |
| Assets per employee ($millions) | 19.0658% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 77.3795% | 5,913 |
| Equity capital to assets | 22.2213% | 138 |
| Core capital (leverage) ratio | 21.6257% | 144 |
| Tier 1 risk-based capital ratio | 114.8961% | 44 |
| Total risk-based capital ratio | 114.8961% | 44 |
| Memoranda: | ||
| Average total assets | $170,708,000 | 3,399 |
| Average earning assets | $169,677,600 | 3,223 |
| Average equity | $26,625,800 | 2,493 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6624% | 6,820 |
| Cost of funding earning assets | 0.9258% | 724 |
| Net interest margin | 0.7366% | 6,857 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 0.7750% | 6,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0155% | 6,312 |
| Return on assets (ROA) | -0.1486% | 6,460 |
| Pretax return on assets | -0.2495% | 6,489 |
| Return on Equity (ROE) | -1.0667% | 6,432 |
| Retained earnings to average equity (ytd only) | -1.0667% | 6,145 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6503% | 334 |
| Assets per employee ($millions) | 52.4150% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 84.5432% | 3,952 |
| Equity capital to assets | 14.8106% | 747 |
| Core capital (leverage) ratio | 14.3037% | 784 |
| Tier 1 risk-based capital ratio | 82.2459% | 56 |
| Total risk-based capital ratio | 82.2459% | 59 |
| Memoranda: | ||
| Average total assets | $170,487,000 | 3,435 |
| Average earning assets | $169,795,000 | 3,247 |
| Average equity | $23,749,750 | 2,784 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6724% | 6,869 |
| Cost of funding earning assets | 0.9361% | 760 |
| Net interest margin | 0.7363% | 6,909 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 0.7456% | 6,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0048% | 6,298 |
| Return on assets (ROA) | -0.1715% | 6,504 |
| Pretax return on assets | -0.2882% | 6,550 |
| Return on Equity (ROE) | -1.2551% | 6,474 |
| Retained earnings to average equity (ytd only) | -1.2551% | 6,086 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7161% | 436 |
| Assets per employee ($millions) | 56.3123% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 85.5715% | 3,597 |
| Equity capital to assets | 13.8117% | 1,020 |
| Core capital (leverage) ratio | 13.3277% | 1,041 |
| Tier 1 risk-based capital ratio | 74.2162% | 65 |
| Total risk-based capital ratio | 74.2162% | 65 |
| Memoranda: | ||
| Average total assets | $174,901,000 | 3,375 |
| Average earning assets | $174,121,330 | 3,198 |
| Average equity | $23,903,330 | 2,782 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7065% | 6,947 |
| Cost of funding earning assets | 0.9470% | 793 |
| Net interest margin | 0.7594% | 6,986 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 0.7173% | 6,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0225% | 6,304 |
| Return on assets (ROA) | 0.0225% | 6,384 |
| Pretax return on assets | 0.0382% | 6,358 |
| Return on Equity (ROE) | 0.1654% | 6,395 |
| Retained earnings to average equity (ytd only) | 0.1654% | 5,729 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9405% | 775 |
| Assets per employee ($millions) | 58.3390% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 85.4260% | 3,831 |
| Equity capital to assets | 13.7324% | 1,122 |
| Core capital (leverage) ratio | 13.0212% | 1,107 |
| Tier 1 risk-based capital ratio | 70.9461% | 74 |
| Total risk-based capital ratio | 70.9461% | 76 |
| Memoranda: | ||
| Average total assets | $177,883,000 | 3,369 |
| Average earning assets | $176,972,000 | 3,185 |
| Average equity | $24,188,500 | 2,786 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2045% | 6,977 |
| Cost of funding earning assets | 1.2029% | 570 |
| Net interest margin | 1.0016% | 7,029 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 0.7034% | 7,038 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1762% | 5,831 |
| Return on assets (ROA) | 0.1775% | 6,002 |
| Pretax return on assets | 0.2931% | 5,833 |
| Return on Equity (ROE) | 1.3998% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.3998% | 5,176 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7330% | 3,669 |
| Assets per employee ($millions) | 60.2497% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 85.5994% | 3,559 |
| Equity capital to assets | 13.4678% | 1,239 |
| Core capital (leverage) ratio | 12.6342% | 1,260 |
| Tier 1 risk-based capital ratio | 69.3295% | 79 |
| Total risk-based capital ratio | 69.3295% | 79 |
| Memoranda: | ||
| Average total assets | $192,067,800 | 3,150 |
| Average earning assets | $190,698,400 | 2,948 |
| Average equity | $24,361,000 | 2,726 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2996% | 7,081 |
| Cost of funding earning assets | 1.2587% | 540 |
| Net interest margin | 1.0409% | 7,140 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 0.6718% | 7,149 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2124% | 5,885 |
| Return on assets (ROA) | 0.2141% | 6,055 |
| Pretax return on assets | 0.3639% | 5,804 |
| Return on Equity (ROE) | 1.7127% | 6,098 |
| Retained earnings to average equity (ytd only) | 1.7127% | 5,474 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0331% | 4,621 |
| Assets per employee ($millions) | 62.4380% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 85.7656% | 3,380 |
| Equity capital to assets | 13.2030% | 1,497 |
| Core capital (leverage) ratio | 12.2153% | 1,527 |
| Tier 1 risk-based capital ratio | 53.7780% | 124 |
| Total risk-based capital ratio | 53.7780% | 127 |
| Memoranda: | ||
| Average total assets | $194,897,500 | 3,146 |
| Average earning assets | $193,418,250 | 2,946 |
| Average equity | $24,365,500 | 2,744 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4000% | 7,141 |
| Cost of funding earning assets | 1.3216% | 474 |
| Net interest margin | 1.0785% | 7,204 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 0.6615% | 7,213 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2436% | 5,786 |
| Return on assets (ROA) | 0.2462% | 5,966 |
| Pretax return on assets | 0.4123% | 5,682 |
| Return on Equity (ROE) | 2.0046% | 6,039 |
| Retained earnings to average equity (ytd only) | 2.0046% | 5,198 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8371% | 5,276 |
| Assets per employee ($millions) | 64.6347% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 85.3355% | 3,693 |
| Equity capital to assets | 12.5872% | 1,757 |
| Core capital (leverage) ratio | 11.7281% | 1,765 |
| Tier 1 risk-based capital ratio | 49.5616% | 134 |
| Total risk-based capital ratio | 49.5616% | 142 |
| Memoranda: | ||
| Average total assets | $197,425,330 | 3,118 |
| Average earning assets | $195,830,000 | 2,923 |
| Average equity | $24,243,670 | 2,744 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4806% | 7,179 |
| Cost of funding earning assets | 1.3741% | 462 |
| Net interest margin | 1.1065% | 7,267 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.6567% | 7,278 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2519% | 5,811 |
| Return on assets (ROA) | 0.2570% | 5,947 |
| Pretax return on assets | 0.4478% | 5,588 |
| Return on Equity (ROE) | 2.1190% | 6,035 |
| Retained earnings to average equity (ytd only) | 2.1190% | 5,206 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8901% | 5,630 |
| Assets per employee ($millions) | 65.8080% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 86.8096% | 3,062 |
| Equity capital to assets | 12.3227% | 1,833 |
| Core capital (leverage) ratio | 11.4525% | 1,926 |
| Tier 1 risk-based capital ratio | 45.2118% | 162 |
| Total risk-based capital ratio | 45.2118% | 176 |
| Memoranda: | ||
| Average total assets | $199,186,000 | 3,115 |
| Average earning assets | $197,371,500 | 2,927 |
| Average equity | $24,162,000 | 2,752 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8170% | 7,221 |
| Cost of funding earning assets | 1.5786% | 519 |
| Net interest margin | 1.2384% | 7,306 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 0.6775% | 7,318 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3330% | 5,138 |
| Return on assets (ROA) | 0.3240% | 5,327 |
| Pretax return on assets | 0.5372% | 4,883 |
| Return on Equity (ROE) | 2.6431% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.6431% | 4,349 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1449% | 6,404 |
| Assets per employee ($millions) | 200.9480% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 86.3169% | 3,133 |
| Equity capital to assets | 11.9414% | 2,172 |
| Core capital (leverage) ratio | 11.1645% | 2,149 |
| Tier 1 risk-based capital ratio | 39.7648% | 231 |
| Total risk-based capital ratio | 39.7648% | 253 |
| Memoranda: | ||
| Average total assets | $193,800,600 | 3,133 |
| Average earning assets | $192,258,200 | 2,941 |
| Average equity | $23,759,600 | 2,694 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8883% | 7,284 |
| Cost of funding earning assets | 1.6202% | 535 |
| Net interest margin | 1.2680% | 7,383 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 0.6888% | 7,399 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3402% | 5,250 |
| Return on assets (ROA) | 0.3166% | 5,510 |
| Pretax return on assets | 0.5319% | 5,033 |
| Return on Equity (ROE) | 2.5653% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.5653% | 4,831 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7764% | 6,416 |
| Assets per employee ($millions) | 199.1130% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 86.9004% | 2,715 |
| Equity capital to assets | 12.1484% | 2,147 |
| Core capital (leverage) ratio | 11.2155% | 2,222 |
| Tier 1 risk-based capital ratio | 38.2352% | 281 |
| Total risk-based capital ratio | 38.2352% | 294 |
| Memoranda: | ||
| Average total assets | $192,013,750 | 3,174 |
| Average earning assets | $190,421,500 | 2,971 |
| Average equity | $23,700,500 | 2,702 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 7,350 |
| Cost of funding earning assets | 1.6394% | 595 |
| Net interest margin | 1.3053% | 7,460 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 0.7245% | 7,474 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3408% | 5,214 |
| Return on assets (ROA) | 0.3037% | 5,496 |
| Pretax return on assets | 0.5115% | 5,025 |
| Return on Equity (ROE) | 2.4471% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.4471% | 4,727 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9902% | 6,426 |
| Assets per employee ($millions) | 193.8410% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 86.0886% | 3,276 |
| Equity capital to assets | 12.2962% | 1,907 |
| Core capital (leverage) ratio | 11.4199% | 1,960 |
| Tier 1 risk-based capital ratio | 38.4167% | 268 |
| Total risk-based capital ratio | 38.4167% | 291 |
| Memoranda: | ||
| Average total assets | $189,647,330 | 3,229 |
| Average earning assets | $187,997,000 | 3,028 |
| Average equity | $23,537,670 | 2,696 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0317% | 7,388 |
| Cost of funding earning assets | 1.6408% | 703 |
| Net interest margin | 1.3910% | 7,510 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 0.7230% | 7,535 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3958% | 4,967 |
| Return on assets (ROA) | 0.3220% | 5,380 |
| Pretax return on assets | 0.5396% | 4,897 |
| Return on Equity (ROE) | 2.5824% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.5824% | 4,614 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4768% | 6,824 |
| Assets per employee ($millions) | 189.5320% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 86.9267% | 2,982 |
| Equity capital to assets | 12.2971% | 1,738 |
| Core capital (leverage) ratio | 11.5707% | 1,806 |
| Tier 1 risk-based capital ratio | 38.3835% | 262 |
| Total risk-based capital ratio | 38.3835% | 289 |
| Memoranda: | ||
| Average total assets | $187,550,500 | 3,274 |
| Average earning assets | $185,768,500 | 3,071 |
| Average equity | $23,389,000 | 2,701 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 7,387 |
| Cost of funding earning assets | 1.8811% | 905 |
| Net interest margin | 1.6175% | 7,535 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 0.6519% | 7,606 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5740% | 3,781 |
| Return on assets (ROA) | 0.5606% | 4,000 |
| Pretax return on assets | 0.9245% | 3,176 |
| Return on Equity (ROE) | 4.4918% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.4918% | 2,730 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8150% | 7,496 |
| Assets per employee ($millions) | 185.5690% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 86.4094% | 3,133 |
| Equity capital to assets | 12.6481% | 1,551 |
| Core capital (leverage) ratio | 11.7723% | 1,691 |
| Tier 1 risk-based capital ratio | 37.8177% | 280 |
| Total risk-based capital ratio | 37.8177% | 300 |
| Memoranda: | ||
| Average total assets | $187,462,400 | 3,266 |
| Average earning assets | $185,099,800 | 3,063 |
| Average equity | $23,398,000 | 2,713 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5404% | 7,518 |
| Cost of funding earning assets | 1.9161% | 979 |
| Net interest margin | 1.6243% | 7,655 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 0.6463% | 7,726 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5855% | 3,936 |
| Return on assets (ROA) | 0.5782% | 4,125 |
| Pretax return on assets | 0.9457% | 3,383 |
| Return on Equity (ROE) | 4.6478% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.6478% | 3,229 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3097% | 7,574 |
| Assets per employee ($millions) | 191.5490% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 85.4356% | 3,390 |
| Equity capital to assets | 12.6438% | 1,783 |
| Core capital (leverage) ratio | 11.3520% | 2,038 |
| Tier 1 risk-based capital ratio | 35.7040% | 331 |
| Total risk-based capital ratio | 35.7040% | 355 |
| Memoranda: | ||
| Average total assets | $187,935,750 | 3,302 |
| Average earning assets | $185,510,250 | 3,104 |
| Average equity | $23,379,750 | 2,765 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 7,553 |
| Cost of funding earning assets | 1.9532% | 1,033 |
| Net interest margin | 1.6969% | 7,713 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 0.6416% | 7,798 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6359% | 3,701 |
| Return on assets (ROA) | 0.6201% | 3,916 |
| Pretax return on assets | 1.0068% | 3,087 |
| Return on Equity (ROE) | 5.0130% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.0130% | 2,891 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3483% | 7,672 |
| Assets per employee ($millions) | 189.8750% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 85.8070% | 3,200 |
| Equity capital to assets | 12.5051% | 1,798 |
| Core capital (leverage) ratio | 11.3047% | 2,034 |
| Tier 1 risk-based capital ratio | 36.2673% | 318 |
| Total risk-based capital ratio | 36.2673% | 343 |
| Memoranda: | ||
| Average total assets | $186,731,330 | 3,351 |
| Average earning assets | $184,104,670 | 3,145 |
| Average equity | $23,100,000 | 2,788 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 7,583 |
| Cost of funding earning assets | 2.0022% | 1,077 |
| Net interest margin | 1.8112% | 7,771 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.6394% | 7,902 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7396% | 3,263 |
| Return on assets (ROA) | 0.7410% | 3,358 |
| Pretax return on assets | 1.1450% | 2,572 |
| Return on Equity (ROE) | 6.0234% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.0234% | 2,613 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8788% | 7,793 |
| Assets per employee ($millions) | 184.8530% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 86.6645% | 2,810 |
| Equity capital to assets | 12.4483% | 1,783 |
| Core capital (leverage) ratio | 11.4400% | 1,949 |
| Tier 1 risk-based capital ratio | 36.6642% | 318 |
| Total risk-based capital ratio | 36.6642% | 337 |
| Memoranda: | ||
| Average total assets | $185,159,500 | 3,429 |
| Average earning assets | $182,202,000 | 3,231 |
| Average equity | $22,778,000 | 2,840 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 7,672 |
| Cost of funding earning assets | 2.4529% | 1,143 |
| Net interest margin | 1.5941% | 7,850 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 0.7781% | 7,965 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5033% | 3,712 |
| Return on assets (ROA) | 0.3890% | 4,271 |
| Pretax return on assets | 0.6207% | 3,846 |
| Return on Equity (ROE) | 4.1126% | 4,038 |
| Retained earnings to average equity (ytd only) | 4.1126% | 2,333 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3292% | 7,573 |
| Assets per employee ($millions) | 185.4660% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 86.9475% | 2,544 |
| Equity capital to assets | 12.1559% | 1,928 |
| Core capital (leverage) ratio | 11.2013% | 2,105 |
| Tier 1 risk-based capital ratio | 33.7518% | 383 |
| Total risk-based capital ratio | 33.7518% | 417 |
| Memoranda: | ||
| Average total assets | $184,295,200 | 3,358 |
| Average earning assets | $182,359,200 | 3,193 |
| Average equity | $17,434,400 | 3,592 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 7,783 |
| Cost of funding earning assets | 2.5717% | 1,102 |
| Net interest margin | 1.4941% | 7,947 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.7956% | 8,056 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4175% | 4,327 |
| Return on assets (ROA) | 0.2630% | 5,034 |
| Pretax return on assets | 0.4420% | 4,688 |
| Return on Equity (ROE) | 2.9956% | 4,797 |
| Retained earnings to average equity (ytd only) | 2.9956% | 3,653 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7972% | 7,258 |
| Assets per employee ($millions) | 187.8430% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 87.3666% | 1,969 |
| Equity capital to assets | 11.7742% | 2,381 |
| Core capital (leverage) ratio | 10.8585% | 2,518 |
| Tier 1 risk-based capital ratio | 34.4637% | 397 |
| Total risk-based capital ratio | 34.4637% | 421 |
| Memoranda: | ||
| Average total assets | $184,002,500 | 3,403 |
| Average earning assets | $182,131,500 | 3,213 |
| Average equity | $16,156,750 | 3,877 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 7,878 |
| Cost of funding earning assets | 2.6927% | 1,050 |
| Net interest margin | 1.3967% | 8,040 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.8439% | 8,143 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3423% | 4,713 |
| Return on assets (ROA) | 0.1084% | 5,638 |
| Pretax return on assets | 0.1718% | 5,538 |
| Return on Equity (ROE) | 1.3973% | 5,498 |
| Retained earnings to average equity (ytd only) | 1.3973% | 4,558 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0935% | 6,384 |
| Assets per employee ($millions) | 185.1620% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 91.1391% | 419 |
| Equity capital to assets | 8.3943% | 6,206 |
| Core capital (leverage) ratio | 8.0369% | 6,259 |
| Tier 1 risk-based capital ratio | 32.9516% | 466 |
| Total risk-based capital ratio | 32.9516% | 500 |
| Memoranda: | ||
| Average total assets | $182,722,330 | 3,446 |
| Average earning assets | $180,713,000 | 3,251 |
| Average equity | $14,170,000 | 4,266 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 7,942 |
| Cost of funding earning assets | 2.7753% | 1,043 |
| Net interest margin | 1.3296% | 8,101 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.8220% | 8,193 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3220% | 5,202 |
| Return on assets (ROA) | -0.1124% | 6,540 |
| Pretax return on assets | -0.1873% | 6,562 |
| Return on Equity (ROE) | -1.5130% | 6,612 |
| Retained earnings to average equity (ytd only) | -1.5130% | 6,003 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5839% | 5,954 |
| Assets per employee ($millions) | 192.0880% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 91.3722% | 305 |
| Equity capital to assets | 7.4065% | 7,417 |
| Core capital (leverage) ratio | 7.5955% | 7,035 |
| Tier 1 risk-based capital ratio | 23.3327% | 1,159 |
| Total risk-based capital ratio | 23.3327% | 1,259 |
| Memoranda: | ||
| Average total assets | $181,502,500 | 3,484 |
| Average earning assets | $179,297,000 | 3,289 |
| Average equity | $13,483,500 | 4,451 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 8,014 |
| Cost of funding earning assets | 3.5541% | 451 |
| Net interest margin | 1.0168% | 8,229 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.7752% | 8,237 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1556% | 5,970 |
| Return on assets (ROA) | 0.1628% | 5,787 |
| Pretax return on assets | 0.2386% | 5,649 |
| Return on Equity (ROE) | 1.6601% | 5,720 |
| Retained earnings to average equity (ytd only) | 1.6601% | 4,218 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2759% | 3,041 |
| Assets per employee ($millions) | 170.9170% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 92.3027% | 98 |
| Equity capital to assets | 7.4539% | 7,420 |
| Core capital (leverage) ratio | 8.4461% | 5,665 |
| Tier 1 risk-based capital ratio | 30.7430% | 602 |
| Total risk-based capital ratio | 30.7430% | 651 |
| Memoranda: | ||
| Average total assets | $141,248,800 | 4,057 |
| Average earning assets | $139,361,200 | 3,862 |
| Average equity | $13,854,400 | 4,374 |
| Average total loans | NA | NA |