Home > The Federal Savings Bank > Performance and Condition Ratios
The Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0685% | 580 |
| Cost of funding earning assets | 3.0883% | 125 |
| Net interest margin | 2.9803% | 3,329 |
| Noninterest income to average assets | 14.3600% | 82 |
| Noninterest expense to average assets | 16.8509% | 80 |
| Loan and lease loss provision to assets | 0.6300% | 127 |
| Net operating income to assets | -0.3537% | 4,493 |
| Return on assets (ROA) | -0.3537% | 4,478 |
| Pretax return on assets | -0.4689% | 4,481 |
| Return on Equity (ROE) | -2.3700% | 4,428 |
| Retained earnings to average equity (ytd only) | -2.3742% | 4,293 |
| Net charge-offs to loans | 0.1929% | 556 |
| Credit loss provision to net charge-offs | 423.9333% | 756 |
| Earnings coverage of net charge-offs (x) | 1.0780% | 2,779 |
| Efficiency ratio | 99.0438% | 202 |
| Assets per employee ($millions) | 1.1847% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 3,596 |
| Loan loss allowance to noncurrent loans | 84.6087% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 562 |
| Noncurrent loans to loans | 1.1023% | 663 |
| Net loans and leases to total assets | 78.5200% | 811 |
| Net loans and leases to deposits | 140.2748% | 27 |
| Net loans and leases to core deposits | 237.5837% | 62 |
| Total domestic deposits to total assets | 55.9800% | 4,461 |
| Equity capital to assets | 12.7027% | 940 |
| Core capital (leverage) ratio | 13.5006% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6261% | 636 |
| Memoranda: | ||
| Average total assets | $1,011,381,000 | 978 |
| Average earning assets | $900,828,400 | 999 |
| Average equity | $150,662,200 | 669 |
| Average total loans | $777,458,600 | 884 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9215% | 585 |
| Cost of funding earning assets | 2.8969% | 137 |
| Net interest margin | 3.0247% | 3,294 |
| Noninterest income to average assets | 15.6400% | 76 |
| Noninterest expense to average assets | 18.3817% | 73 |
| Loan and lease loss provision to assets | 0.6700% | 109 |
| Net operating income to assets | -0.5442% | 4,541 |
| Return on assets (ROA) | -0.5442% | 4,528 |
| Pretax return on assets | -0.7211% | 4,531 |
| Return on Equity (ROE) | -3.5000% | 4,480 |
| Retained earnings to average equity (ytd only) | -3.4954% | 4,380 |
| Net charge-offs to loans | 0.1170% | 686 |
| Credit loss provision to net charge-offs | 751.9320% | 489 |
| Earnings coverage of net charge-offs (x) | -0.5734% | 4,565 |
| Efficiency ratio | 100.2630% | 173 |
| Assets per employee ($millions) | 1.0598% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 3,719 |
| Loan loss allowance to noncurrent loans | 93.2445% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 708 |
| Noncurrent loans to loans | 0.9698% | 845 |
| Net loans and leases to total assets | 78.4300% | 829 |
| Net loans and leases to deposits | 144.4969% | 21 |
| Net loans and leases to core deposits | 245.4334% | 23 |
| Total domestic deposits to total assets | 54.2800% | 4,488 |
| Equity capital to assets | 13.2284% | 771 |
| Core capital (leverage) ratio | 14.0410% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5885% | 583 |
| Memoranda: | ||
| Average total assets | $968,060,000 | 1,014 |
| Average earning assets | $859,888,500 | 1,042 |
| Average equity | $150,706,750 | 671 |
| Average total loans | $737,080,500 | 919 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6458% | 692 |
| Cost of funding earning assets | 2.6930% | 133 |
| Net interest margin | 2.9528% | 3,555 |
| Noninterest income to average assets | 16.4300% | 74 |
| Noninterest expense to average assets | 19.5998% | 69 |
| Loan and lease loss provision to assets | 0.7100% | 103 |
| Net operating income to assets | -0.9569% | 4,599 |
| Return on assets (ROA) | -0.9569% | 4,596 |
| Pretax return on assets | -1.2683% | 4,599 |
| Return on Equity (ROE) | -5.7900% | 4,555 |
| Retained earnings to average equity (ytd only) | -5.7864% | 4,446 |
| Net charge-offs to loans | 0.0977% | 691 |
| Credit loss provision to net charge-offs | 966.1677% | 423 |
| Earnings coverage of net charge-offs (x) | -7.6677% | 4,631 |
| Efficiency ratio | 102.9314% | 139 |
| Assets per employee ($millions) | 0.9280% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 4,017 |
| Loan loss allowance to noncurrent loans | 85.0470% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 670 |
| Noncurrent loans to loans | 0.9429% | 809 |
| Net loans and leases to total assets | 77.9700% | 837 |
| Net loans and leases to deposits | 141.7206% | 26 |
| Net loans and leases to core deposits | 238.7945% | 24 |
| Total domestic deposits to total assets | 55.0200% | 4,511 |
| Equity capital to assets | 13.8923% | 663 |
| Core capital (leverage) ratio | 15.3293% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6770% | 508 |
| Memoranda: | ||
| Average total assets | $912,752,667 | 1,068 |
| Average earning assets | $805,798,000 | 1,093 |
| Average equity | $150,939,667 | 667 |
| Average total loans | $683,609,667 | 970 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 754 |
| Cost of funding earning assets | 2.3802% | 125 |
| Net interest margin | 2.9977% | 3,607 |
| Noninterest income to average assets | 15.1800% | 79 |
| Noninterest expense to average assets | 20.4881% | 69 |
| Loan and lease loss provision to assets | 0.5100% | 146 |
| Net operating income to assets | -2.4214% | 4,657 |
| Return on assets (ROA) | -2.4214% | 4,653 |
| Pretax return on assets | -3.2094% | 4,653 |
| Return on Equity (ROE) | -13.2700% | 4,614 |
| Retained earnings to average equity (ytd only) | -13.2663% | 4,529 |
| Net charge-offs to loans | 0.0997% | 598 |
| Credit loss provision to net charge-offs | 712.6667% | 450 |
| Earnings coverage of net charge-offs (x) | -37.2933% | 4,676 |
| Efficiency ratio | 115.1214% | 82 |
| Assets per employee ($millions) | 0.7520% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 4,197 |
| Loan loss allowance to noncurrent loans | 61.1139% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 501 |
| Noncurrent loans to loans | 1.2045% | 571 |
| Net loans and leases to total assets | 73.8200% | 1,226 |
| Net loans and leases to deposits | 131.9188% | 42 |
| Net loans and leases to core deposits | 182.2106% | 50 |
| Total domestic deposits to total assets | 55.9600% | 4,556 |
| Equity capital to assets | 16.9419% | 346 |
| Core capital (leverage) ratio | 18.5025% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0704% | 310 |
| Memoranda: | ||
| Average total assets | $830,431,500 | 1,164 |
| Average earning assets | $724,811,500 | 1,207 |
| Average equity | $151,572,000 | 675 |
| Average total loans | $602,004,500 | 1,090 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 1,459 |
| Cost of funding earning assets | 1.1761% | 77 |
| Net interest margin | 2.9331% | 3,604 |
| Noninterest income to average assets | 27.4400% | 67 |
| Noninterest expense to average assets | 30.0412% | 56 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | -0.1201% | 4,597 |
| Return on assets (ROA) | -0.1201% | 4,586 |
| Pretax return on assets | -0.1592% | 4,580 |
| Return on Equity (ROE) | -0.5800% | 4,561 |
| Retained earnings to average equity (ytd only) | -6.8736% | 4,605 |
| Net charge-offs to loans | -0.1345% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 100.1459% | 146 |
| Assets per employee ($millions) | 0.6470% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 4,200 |
| Loan loss allowance to noncurrent loans | 118.5163% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 1,222 |
| Noncurrent loans to loans | 0.5984% | 1,253 |
| Net loans and leases to total assets | 69.8800% | 1,652 |
| Net loans and leases to deposits | 126.1858% | 51 |
| Net loans and leases to core deposits | 153.9880% | 85 |
| Total domestic deposits to total assets | 55.3800% | 4,599 |
| Equity capital to assets | 19.7284% | 232 |
| Core capital (leverage) ratio | 21.1950% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9270% | 222 |
| Memoranda: | ||
| Average total assets | $776,809,200 | 1,208 |
| Average earning assets | $675,895,200 | 1,270 |
| Average equity | $159,945,600 | 646 |
| Average total loans | $527,879,800 | 1,134 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 1,731 |
| Cost of funding earning assets | 1.0290% | 54 |
| Net interest margin | 2.7809% | 3,777 |
| Noninterest income to average assets | 30.9800% | 62 |
| Noninterest expense to average assets | 32.6591% | 52 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.5993% | 3,835 |
| Return on assets (ROA) | 0.5993% | 3,795 |
| Pretax return on assets | 0.7945% | 3,592 |
| Return on Equity (ROE) | 2.8800% | 4,314 |
| Retained earnings to average equity (ytd only) | -5.4302% | 4,611 |
| Net charge-offs to loans | -0.2100% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 97.7557% | 182 |
| Assets per employee ($millions) | 0.5717% | 4,710 |
| Cash dividends to net income (ytd only)* | 288.5288% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5463% | 4,435 |
| Loan loss allowance to noncurrent loans | 55.6507% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 773 |
| Noncurrent loans to loans | 0.9816% | 795 |
| Net loans and leases to total assets | 68.2900% | 1,644 |
| Net loans and leases to deposits | 113.8037% | 84 |
| Net loans and leases to core deposits | 135.7727% | 119 |
| Total domestic deposits to total assets | 60.0100% | 4,621 |
| Equity capital to assets | 20.7759% | 200 |
| Core capital (leverage) ratio | 22.1534% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0016% | 220 |
| Memoranda: | ||
| Average total assets | $775,767,500 | 1,214 |
| Average earning assets | $676,270,000 | 1,275 |
| Average equity | $161,413,500 | 648 |
| Average total loans | $522,436,500 | 1,140 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2408% | 2,920 |
| Cost of funding earning assets | 1.0368% | 31 |
| Net interest margin | 2.2040% | 4,425 |
| Noninterest income to average assets | 32.8853% | 28 |
| Noninterest expense to average assets | 33.8074% | 26 |
| Loan and lease loss provision to assets | -0.1961% | 4,678 |
| Net operating income to assets | 0.9137% | 2,525 |
| Return on assets (ROA) | 0.9137% | 2,493 |
| Pretax return on assets | 1.2114% | 2,039 |
| Return on Equity (ROE) | 4.3892% | 3,934 |
| Retained earnings to average equity (ytd only) | -8.0013% | 4,625 |
| Net charge-offs to loans | -0.3410% | 4,656 |
| Credit loss provision to net charge-offs | 85.9551% | 1,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0728% | 231 |
| Assets per employee ($millions) | 0.5417% | 4,750 |
| Cash dividends to net income (ytd only)* | 282.2952% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5173% | 4,537 |
| Loan loss allowance to noncurrent loans | 46.9787% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 769 |
| Noncurrent loans to loans | 1.1011% | 749 |
| Net loans and leases to total assets | 63.3224% | 1,983 |
| Net loans and leases to deposits | 87.6268% | 867 |
| Net loans and leases to core deposits | 105.0668% | 478 |
| Total domestic deposits to total assets | 72.2638% | 4,579 |
| Equity capital to assets | 21.3330% | 142 |
| Core capital (leverage) ratio | 20.3980% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7285% | 183 |
| Memoranda: | ||
| Average total assets | $780,118,667 | 1,213 |
| Average earning assets | $685,758,333 | 1,269 |
| Average equity | $162,397,667 | 653 |
| Average total loans | $522,009,000 | 1,134 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8581% | 3,631 |
| Cost of funding earning assets | 1.0278% | 33 |
| Net interest margin | 1.8303% | 4,605 |
| Noninterest income to average assets | 35.5598% | 28 |
| Noninterest expense to average assets | 34.7922% | 24 |
| Loan and lease loss provision to assets | -0.6965% | 4,774 |
| Net operating income to assets | 2.3300% | 143 |
| Return on assets (ROA) | 2.3300% | 142 |
| Pretax return on assets | 3.0881% | 95 |
| Return on Equity (ROE) | 11.3235% | 1,512 |
| Retained earnings to average equity (ytd only) | -6.3850% | 4,473 |
| Net charge-offs to loans | -0.6905% | 4,725 |
| Credit loss provision to net charge-offs | 147.4019% | 866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5560% | 403 |
| Assets per employee ($millions) | 0.5270% | 4,775 |
| Cash dividends to net income (ytd only)* | 156.3871% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3944% | 4,648 |
| Loan loss allowance to noncurrent loans | 49.4074% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 807 |
| Noncurrent loans to loans | 0.7984% | 1,187 |
| Net loans and leases to total assets | 59.2155% | 2,162 |
| Net loans and leases to deposits | 82.2810% | 995 |
| Net loans and leases to core deposits | 100.9635% | 483 |
| Total domestic deposits to total assets | 71.9675% | 4,624 |
| Equity capital to assets | 20.3547% | 153 |
| Core capital (leverage) ratio | 20.5623% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7095% | 211 |
| Memoranda: | ||
| Average total assets | $798,283,000 | 1,197 |
| Average earning assets | $708,292,500 | 1,244 |
| Average equity | $164,260,000 | 661 |
| Average total loans | $546,296,000 | 1,086 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7412% | 4,270 |
| Cost of funding earning assets | 1.0533% | 57 |
| Net interest margin | 1.6879% | 4,692 |
| Noninterest income to average assets | 45.0531% | 26 |
| Noninterest expense to average assets | 39.9267% | 23 |
| Loan and lease loss provision to assets | -0.9913% | 4,831 |
| Net operating income to assets | 5.7242% | 38 |
| Return on assets (ROA) | 5.7242% | 38 |
| Pretax return on assets | 7.6715% | 37 |
| Return on Equity (ROE) | 35.9641% | 36 |
| Retained earnings to average equity (ytd only) | 3.2917% | 3,500 |
| Net charge-offs to loans | -1.1419% | 4,795 |
| Credit loss provision to net charge-offs | 101.1709% | 1,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6591% | 487 |
| Assets per employee ($millions) | 0.4825% | 4,818 |
| Cash dividends to net income (ytd only)* | 90.8472% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3765% | 4,695 |
| Loan loss allowance to noncurrent loans | 44.5531% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 993 |
| Noncurrent loans to loans | 0.8451% | 1,201 |
| Net loans and leases to total assets | 77.1649% | 436 |
| Net loans and leases to deposits | 105.1218% | 118 |
| Net loans and leases to core deposits | 131.6705% | 97 |
| Total domestic deposits to total assets | 73.4052% | 4,605 |
| Equity capital to assets | 20.7996% | 156 |
| Core capital (leverage) ratio | 20.2717% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1944% | 182 |
| Memoranda: | ||
| Average total assets | $993,660,000 | 964 |
| Average earning assets | $914,754,200 | 971 |
| Average equity | $158,154,800 | 682 |
| Average total loans | $852,626,000 | 760 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6334% | 4,473 |
| Cost of funding earning assets | 1.0681% | 64 |
| Net interest margin | 1.5652% | 4,797 |
| Noninterest income to average assets | 45.6393% | 25 |
| Noninterest expense to average assets | 39.4213% | 24 |
| Loan and lease loss provision to assets | -0.0460% | 4,442 |
| Net operating income to assets | 5.7336% | 44 |
| Return on assets (ROA) | 5.7336% | 43 |
| Pretax return on assets | 7.7068% | 38 |
| Return on Equity (ROE) | 38.2646% | 42 |
| Retained earnings to average equity (ytd only) | -0.1288% | 4,574 |
| Net charge-offs to loans | -0.0759% | 4,515 |
| Credit loss provision to net charge-offs | 69.3642% | 1,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7213% | 534 |
| Assets per employee ($millions) | 0.5036% | 4,892 |
| Cash dividends to net income (ytd only)* | 100.3367% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3381% | 4,797 |
| Loan loss allowance to noncurrent loans | 29.3945% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 630 |
| Noncurrent loans to loans | 1.1502% | 975 |
| Net loans and leases to total assets | 88.9062% | 28 |
| Net loans and leases to deposits | 127.7009% | 29 |
| Net loans and leases to core deposits | 159.1390% | 50 |
| Total domestic deposits to total assets | 69.6206% | 4,741 |
| Equity capital to assets | 18.6227% | 246 |
| Core capital (leverage) ratio | 19.5010% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4783% | 287 |
| Memoranda: | ||
| Average total assets | $1,042,934,250 | 943 |
| Average earning assets | $961,284,750 | 946 |
| Average equity | $156,273,000 | 701 |
| Average total loans | $911,535,000 | 731 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5654% | 4,572 |
| Cost of funding earning assets | 1.1273% | 62 |
| Net interest margin | 1.4382% | 4,853 |
| Noninterest income to average assets | 45.8435% | 23 |
| Noninterest expense to average assets | 39.0446% | 23 |
| Loan and lease loss provision to assets | -0.1269% | 4,676 |
| Net operating income to assets | 6.1128% | 41 |
| Return on assets (ROA) | 6.1128% | 42 |
| Pretax return on assets | 8.2539% | 37 |
| Return on Equity (ROE) | 43.5462% | 33 |
| Retained earnings to average equity (ytd only) | -14.5515% | 4,902 |
| Net charge-offs to loans | -0.1299% | 4,695 |
| Credit loss provision to net charge-offs | 112.3596% | 1,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7640% | 626 |
| Assets per employee ($millions) | 0.4593% | 4,927 |
| Cash dividends to net income (ytd only)* | 133.4163% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3322% | 4,832 |
| Loan loss allowance to noncurrent loans | 57.8006% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 1,665 |
| Noncurrent loans to loans | 0.5747% | 1,962 |
| Net loans and leases to total assets | 86.9103% | 61 |
| Net loans and leases to deposits | 116.3475% | 65 |
| Net loans and leases to core deposits | 157.3426% | 56 |
| Total domestic deposits to total assets | 74.6989% | 4,631 |
| Equity capital to assets | 18.3180% | 253 |
| Core capital (leverage) ratio | 15.8173% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0984% | 273 |
| Memoranda: | ||
| Average total assets | $1,103,549,000 | 891 |
| Average earning assets | $1,019,082,000 | 895 |
| Average equity | $154,911,333 | 696 |
| Average total loans | $959,327,000 | 699 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4920% | 4,647 |
| Cost of funding earning assets | 1.0893% | 87 |
| Net interest margin | 1.4027% | 4,887 |
| Noninterest income to average assets | 48.3404% | 22 |
| Noninterest expense to average assets | 38.9965% | 22 |
| Loan and lease loss provision to assets | 0.0417% | 2,229 |
| Net operating income to assets | 7.8005% | 34 |
| Return on assets (ROA) | 7.8005% | 34 |
| Pretax return on assets | 10.6081% | 29 |
| Return on Equity (ROE) | 61.7123% | 17 |
| Retained earnings to average equity (ytd only) | -14.3630% | 4,872 |
| Net charge-offs to loans | 0.0520% | 984 |
| Credit loss provision to net charge-offs | 92.1986% | 1,165 |
| Earnings coverage of net charge-offs (x) | 235.6383% | 357 |
| Efficiency ratio | 78.5423% | 921 |
| Assets per employee ($millions) | 0.5897% | 4,954 |
| Cash dividends to net income (ytd only)* | 123.2742% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2733% | 4,890 |
| Loan loss allowance to noncurrent loans | 60.0148% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 2,297 |
| Noncurrent loans to loans | 0.4554% | 2,493 |
| Net loans and leases to total assets | 82.2924% | 215 |
| Net loans and leases to deposits | 102.6536% | 225 |
| Net loans and leases to core deposits | 188.2307% | 42 |
| Total domestic deposits to total assets | 80.1651% | 4,179 |
| Equity capital to assets | 14.3875% | 593 |
| Core capital (leverage) ratio | 11.7191% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5837% | 373 |
| Memoranda: | ||
| Average total assets | $1,247,918,000 | 795 |
| Average earning assets | $1,161,796,000 | 788 |
| Average equity | $157,738,500 | 678 |
| Average total loans | $1,083,733,000 | 621 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6289% | 4,817 |
| Cost of funding earning assets | 1.4192% | 118 |
| Net interest margin | 1.2098% | 4,945 |
| Noninterest income to average assets | 51.9927% | 19 |
| Noninterest expense to average assets | 38.5017% | 22 |
| Loan and lease loss provision to assets | 0.1566% | 2,414 |
| Net operating income to assets | 10.9745% | 18 |
| Return on assets (ROA) | 10.9745% | 18 |
| Pretax return on assets | 14.4705% | 17 |
| Return on Equity (ROE) | 87.3367% | 5 |
| Retained earnings to average equity (ytd only) | 41.1685% | 12 |
| Net charge-offs to loans | 0.0442% | 2,183 |
| Credit loss provision to net charge-offs | 420.2532% | 1,386 |
| Earnings coverage of net charge-offs (x) | 392.5620% | 281 |
| Efficiency ratio | 72.4611% | 1,627 |
| Assets per employee ($millions) | 0.8268% | 4,972 |
| Cash dividends to net income (ytd only)* | 52.8623% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1905% | 4,928 |
| Loan loss allowance to noncurrent loans | 33.3242% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 2,009 |
| Noncurrent loans to loans | 0.5716% | 2,268 |
| Net loans and leases to total assets | 89.9506% | 29 |
| Net loans and leases to deposits | 107.7053% | 201 |
| Net loans and leases to core deposits | 255.3105% | 28 |
| Total domestic deposits to total assets | 83.5155% | 3,259 |
| Equity capital to assets | 11.3155% | 2,010 |
| Core capital (leverage) ratio | 11.5587% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6625% | 699 |
| Memoranda: | ||
| Average total assets | $1,060,098,200 | 834 |
| Average earning assets | $995,570,400 | 822 |
| Average equity | $133,208,600 | 752 |
| Average total loans | $894,171,200 | 718 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6669% | 4,869 |
| Cost of funding earning assets | 1.5238% | 109 |
| Net interest margin | 1.1431% | 4,993 |
| Noninterest income to average assets | 52.2757% | 20 |
| Noninterest expense to average assets | 37.4543% | 22 |
| Loan and lease loss provision to assets | 0.1924% | 2,059 |
| Net operating income to assets | 11.7755% | 18 |
| Return on assets (ROA) | 11.7755% | 18 |
| Pretax return on assets | 15.7009% | 16 |
| Return on Equity (ROE) | 90.4210% | 5 |
| Retained earnings to average equity (ytd only) | 54.0154% | 11 |
| Net charge-offs to loans | 0.0510% | 1,878 |
| Credit loss provision to net charge-offs | 459.0164% | 1,348 |
| Earnings coverage of net charge-offs (x) | 379.1869% | 302 |
| Efficiency ratio | 70.1998% | 1,855 |
| Assets per employee ($millions) | 0.8986% | 5,000 |
| Cash dividends to net income (ytd only)* | 40.2623% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2109% | 4,959 |
| Loan loss allowance to noncurrent loans | 30.8393% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 2,055 |
| Noncurrent loans to loans | 0.6839% | 2,081 |
| Net loans and leases to total assets | 78.8417% | 736 |
| Net loans and leases to deposits | 94.2727% | 902 |
| Net loans and leases to core deposits | 234.4497% | 27 |
| Total domestic deposits to total assets | 83.6316% | 2,947 |
| Equity capital to assets | 11.5412% | 1,975 |
| Core capital (leverage) ratio | 13.0146% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2929% | 496 |
| Memoranda: | ||
| Average total assets | $970,213,750 | 888 |
| Average earning assets | $909,812,000 | 878 |
| Average equity | $126,351,000 | 774 |
| Average total loans | $797,862,000 | 783 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8737% | 4,885 |
| Cost of funding earning assets | 1.6417% | 95 |
| Net interest margin | 1.2319% | 5,032 |
| Noninterest income to average assets | 49.8016% | 19 |
| Noninterest expense to average assets | 37.1493% | 21 |
| Loan and lease loss provision to assets | 0.2381% | 1,768 |
| Net operating income to assets | 10.1791% | 18 |
| Return on assets (ROA) | 10.1791% | 18 |
| Pretax return on assets | 13.5722% | 17 |
| Return on Equity (ROE) | 73.6390% | 8 |
| Retained earnings to average equity (ytd only) | 46.9445% | 9 |
| Net charge-offs to loans | 0.0916% | 1,342 |
| Credit loss provision to net charge-offs | 309.5975% | 1,596 |
| Earnings coverage of net charge-offs (x) | 179.6006% | 487 |
| Efficiency ratio | 72.8894% | 1,582 |
| Assets per employee ($millions) | 0.8944% | 5,031 |
| Cash dividends to net income (ytd only)* | 36.2505% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2093% | 4,991 |
| Loan loss allowance to noncurrent loans | 36.8673% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 2,517 |
| Noncurrent loans to loans | 0.5678% | 2,455 |
| Net loans and leases to total assets | 76.2550% | 1,096 |
| Net loans and leases to deposits | 91.7923% | 1,180 |
| Net loans and leases to core deposits | 258.3695% | 22 |
| Total domestic deposits to total assets | 83.0734% | 3,066 |
| Equity capital to assets | 11.5084% | 1,968 |
| Core capital (leverage) ratio | 12.6044% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6200% | 419 |
| Memoranda: | ||
| Average total assets | $840,117,000 | 993 |
| Average earning assets | $789,655,333 | 979 |
| Average equity | $116,128,667 | 837 |
| Average total loans | $705,512,000 | 852 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4182% | 4,719 |
| Cost of funding earning assets | 1.6268% | 173 |
| Net interest margin | 1.7914% | 5,050 |
| Noninterest income to average assets | 44.1488% | 20 |
| Noninterest expense to average assets | 36.4263% | 20 |
| Loan and lease loss provision to assets | 0.2933% | 1,057 |
| Net operating income to assets | 6.8309% | 24 |
| Return on assets (ROA) | 6.8309% | 24 |
| Pretax return on assets | 9.1079% | 20 |
| Return on Equity (ROE) | 43.2738% | 20 |
| Retained earnings to average equity (ytd only) | 13.5477% | 284 |
| Net charge-offs to loans | 0.0234% | 1,900 |
| Credit loss provision to net charge-offs | 1,388.8889% | 465 |
| Earnings coverage of net charge-offs (x) | 445.2222% | 148 |
| Efficiency ratio | 79.4717% | 1,192 |
| Assets per employee ($millions) | 0.6457% | 5,086 |
| Cash dividends to net income (ytd only)* | 68.6931% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2410% | 5,022 |
| Loan loss allowance to noncurrent loans | 42.1947% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 2,380 |
| Noncurrent loans to loans | 0.5712% | 2,567 |
| Net loans and leases to total assets | 89.2775% | 45 |
| Net loans and leases to deposits | 112.3853% | 159 |
| Net loans and leases to core deposits | 262.0737% | 23 |
| Total domestic deposits to total assets | 79.4388% | 3,970 |
| Equity capital to assets | 14.4164% | 922 |
| Core capital (leverage) ratio | 18.7834% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1754% | 353 |
| Memoranda: | ||
| Average total assets | $681,957,000 | 1,143 |
| Average earning assets | $639,057,500 | 1,130 |
| Average equity | $107,649,500 | 892 |
| Average total loans | $616,422,500 | 924 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 3,817 |
| Cost of funding earning assets | 1.9129% | 87 |
| Net interest margin | 2.2842% | 5,040 |
| Noninterest income to average assets | 48.2574% | 22 |
| Noninterest expense to average assets | 40.0723% | 23 |
| Loan and lease loss provision to assets | -0.3437% | 5,152 |
| Net operating income to assets | 7.9439% | 24 |
| Return on assets (ROA) | 7.9439% | 26 |
| Pretax return on assets | 10.6862% | 25 |
| Return on Equity (ROE) | 50.5013% | 11 |
| Retained earnings to average equity (ytd only) | 28.1930% | 15 |
| Net charge-offs to loans | -0.4569% | 5,119 |
| Credit loss provision to net charge-offs | 88.0172% | 2,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4691% | 986 |
| Assets per employee ($millions) | 0.5436% | 5,150 |
| Cash dividends to net income (ytd only)* | 44.1737% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2120% | 5,084 |
| Loan loss allowance to noncurrent loans | 33.2955% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 2,149 |
| Noncurrent loans to loans | 0.6368% | 2,294 |
| Net loans and leases to total assets | 91.3230% | 25 |
| Net loans and leases to deposits | 118.1168% | 91 |
| Net loans and leases to core deposits | 275.7497% | 20 |
| Total domestic deposits to total assets | 77.3159% | 4,460 |
| Equity capital to assets | 17.5051% | 414 |
| Core capital (leverage) ratio | 14.6697% | 753 |
| Tier 1 risk-based capital ratio | 32.3553% | 407 |
| Total risk-based capital ratio | 32.7183% | 424 |
| Memoranda: | ||
| Average total assets | $594,165,400 | 1,229 |
| Average earning assets | $561,191,000 | 1,214 |
| Average equity | $93,463,000 | 946 |
| Average total loans | $507,757,400 | 1,065 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 4,035 |
| Cost of funding earning assets | 1.7376% | 175 |
| Net interest margin | 2.4136% | 5,102 |
| Noninterest income to average assets | 47.0853% | 22 |
| Noninterest expense to average assets | 39.4314% | 23 |
| Loan and lease loss provision to assets | -0.4828% | 5,244 |
| Net operating income to assets | 7.7155% | 24 |
| Return on assets (ROA) | 7.7155% | 25 |
| Pretax return on assets | 10.4140% | 24 |
| Return on Equity (ROE) | 50.5050% | 11 |
| Retained earnings to average equity (ytd only) | 31.9158% | 12 |
| Net charge-offs to loans | -0.6331% | 5,203 |
| Credit loss provision to net charge-offs | 90.8782% | 2,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8647% | 936 |
| Assets per employee ($millions) | 0.6937% | 5,226 |
| Cash dividends to net income (ytd only)* | 36.8066% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1679% | 5,171 |
| Loan loss allowance to noncurrent loans | 35.9314% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 1,852 |
| Noncurrent loans to loans | 0.4674% | 2,900 |
| Net loans and leases to total assets | 87.3407% | 127 |
| Net loans and leases to deposits | 106.2086% | 312 |
| Net loans and leases to core deposits | 336.9095% | 17 |
| Total domestic deposits to total assets | 82.2350% | 3,403 |
| Equity capital to assets | 13.3708% | 1,422 |
| Core capital (leverage) ratio | 14.1429% | 948 |
| Tier 1 risk-based capital ratio | 26.3158% | 685 |
| Total risk-based capital ratio | 26.6087% | 739 |
| Memoranda: | ||
| Average total assets | $591,574,750 | 1,240 |
| Average earning assets | $558,152,250 | 1,218 |
| Average equity | $90,373,000 | 971 |
| Average total loans | $496,385,250 | 1,090 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 4,193 |
| Cost of funding earning assets | 1.5077% | 372 |
| Net interest margin | 2.5806% | 5,083 |
| Noninterest income to average assets | 46.9492% | 21 |
| Noninterest expense to average assets | 39.9462% | 22 |
| Loan and lease loss provision to assets | -0.9100% | 5,300 |
| Net operating income to assets | 7.5962% | 24 |
| Return on assets (ROA) | 7.5962% | 26 |
| Pretax return on assets | 10.3374% | 26 |
| Return on Equity (ROE) | 46.9724% | 13 |
| Retained earnings to average equity (ytd only) | 33.1468% | 13 |
| Net charge-offs to loans | -1.1556% | 5,255 |
| Credit loss provision to net charge-offs | 95.7647% | 2,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8871% | 893 |
| Assets per employee ($millions) | 0.7209% | 5,268 |
| Cash dividends to net income (ytd only)* | 29.4334% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1830% | 5,223 |
| Loan loss allowance to noncurrent loans | 25.6129% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 1,634 |
| Noncurrent loans to loans | 0.7144% | 2,200 |
| Net loans and leases to total assets | 72.9165% | 2,074 |
| Net loans and leases to deposits | 87.1167% | 2,118 |
| Net loans and leases to core deposits | 281.6943% | 23 |
| Total domestic deposits to total assets | 83.6998% | 2,978 |
| Equity capital to assets | 12.5066% | 1,854 |
| Core capital (leverage) ratio | 16.6945% | 463 |
| Tier 1 risk-based capital ratio | 28.4141% | 548 |
| Total risk-based capital ratio | 28.7221% | 578 |
| Memoranda: | ||
| Average total assets | $536,712,330 | 1,345 |
| Average earning assets | $504,214,670 | 1,327 |
| Average equity | $86,795,670 | 1,005 |
| Average total loans | $441,331,000 | 1,183 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2999% | 3,556 |
| Cost of funding earning assets | 1.2902% | 677 |
| Net interest margin | 3.0098% | 4,738 |
| Noninterest income to average assets | 49.3446% | 21 |
| Noninterest expense to average assets | 42.5805% | 22 |
| Loan and lease loss provision to assets | -0.4094% | 5,336 |
| Net operating income to assets | 7.0870% | 29 |
| Return on assets (ROA) | 7.0870% | 31 |
| Pretax return on assets | 9.9717% | 27 |
| Return on Equity (ROE) | 36.5857% | 29 |
| Retained earnings to average equity (ytd only) | 36.5857% | 15 |
| Net charge-offs to loans | -0.5115% | 5,272 |
| Credit loss provision to net charge-offs | 88.7097% | 1,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6383% | 906 |
| Assets per employee ($millions) | 0.4599% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2257% | 5,275 |
| Loan loss allowance to noncurrent loans | 23.9728% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 1,468 |
| Noncurrent loans to loans | 0.9413% | 1,778 |
| Net loans and leases to total assets | 90.6124% | 39 |
| Net loans and leases to deposits | 147.4549% | 14 |
| Net loans and leases to core deposits | 303.9937% | 22 |
| Total domestic deposits to total assets | 61.4510% | 5,269 |
| Equity capital to assets | 18.7656% | 297 |
| Core capital (leverage) ratio | 24.6423% | 119 |
| Tier 1 risk-based capital ratio | 33.3422% | 375 |
| Total risk-based capital ratio | 33.7118% | 395 |
| Memoranda: | ||
| Average total assets | $429,858,500 | 1,636 |
| Average earning assets | $399,634,000 | 1,640 |
| Average equity | $83,267,500 | 1,037 |
| Average total loans | $387,905,000 | 1,320 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 2,654 |
| Cost of funding earning assets | 1.0614% | 576 |
| Net interest margin | 3.3721% | 4,069 |
| Noninterest income to average assets | 47.1800% | 21 |
| Noninterest expense to average assets | 45.5430% | 17 |
| Loan and lease loss provision to assets | 0.0175% | 3,807 |
| Net operating income to assets | 3.5320% | 58 |
| Return on assets (ROA) | 3.5320% | 58 |
| Pretax return on assets | 4.7096% | 49 |
| Return on Equity (ROE) | 16.2687% | 576 |
| Retained earnings to average equity (ytd only) | 8.1916% | 1,156 |
| Net charge-offs to loans | 0.0893% | 1,886 |
| Credit loss provision to net charge-offs | 22.6415% | 3,389 |
| Earnings coverage of net charge-offs (x) | 61.0340% | 1,011 |
| Efficiency ratio | 90.5646% | 325 |
| Assets per employee ($millions) | 0.3805% | 5,384 |
| Cash dividends to net income (ytd only)* | 49.6483% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2526% | 5,313 |
| Loan loss allowance to noncurrent loans | 19.6401% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.2712% | 1,006 |
| Noncurrent loans to loans | 1.2859% | 1,234 |
| Net loans and leases to total assets | 89.3370% | 74 |
| Net loans and leases to deposits | 163.5457% | 12 |
| Net loans and leases to core deposits | 229.0470% | 36 |
| Total domestic deposits to total assets | 54.6251% | 5,348 |
| Equity capital to assets | 20.0808% | 231 |
| Core capital (leverage) ratio | 22.8495% | 149 |
| Tier 1 risk-based capital ratio | 35.0017% | 315 |
| Total risk-based capital ratio | 35.4034% | 329 |
| Memoranda: | ||
| Average total assets | $342,155,800 | 1,943 |
| Average earning assets | $313,541,400 | 1,956 |
| Average equity | $74,283,600 | 1,102 |
| Average total loans | $296,754,600 | 1,605 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 2,750 |
| Cost of funding earning assets | 0.9719% | 676 |
| Net interest margin | 3.3927% | 4,024 |
| Noninterest income to average assets | 45.4933% | 23 |
| Noninterest expense to average assets | 45.1016% | 20 |
| Loan and lease loss provision to assets | 0.0041% | 3,891 |
| Net operating income to assets | 2.6137% | 133 |
| Return on assets (ROA) | 2.6137% | 131 |
| Pretax return on assets | 3.4852% | 77 |
| Return on Equity (ROE) | 11.7729% | 1,878 |
| Retained earnings to average equity (ytd only) | 0.8129% | 4,899 |
| Net charge-offs to loans | 0.0770% | 1,754 |
| Credit loss provision to net charge-offs | 6.1350% | 3,067 |
| Earnings coverage of net charge-offs (x) | 52.7848% | 1,137 |
| Efficiency ratio | 92.7850% | 263 |
| Assets per employee ($millions) | 0.3569% | 5,457 |
| Cash dividends to net income (ytd only)* | 93.0954% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2774% | 5,368 |
| Loan loss allowance to noncurrent loans | 19.2401% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.3872% | 966 |
| Noncurrent loans to loans | 1.4420% | 1,144 |
| Net loans and leases to total assets | 87.7492% | 152 |
| Net loans and leases to deposits | 122.8856% | 83 |
| Net loans and leases to core deposits | 235.2568% | 33 |
| Total domestic deposits to total assets | 71.4072% | 5,167 |
| Equity capital to assets | 19.0276% | 273 |
| Core capital (leverage) ratio | 22.9121% | 140 |
| Tier 1 risk-based capital ratio | 34.0029% | 345 |
| Total risk-based capital ratio | 34.4461% | 357 |
| Memoranda: | ||
| Average total assets | $328,775,500 | 2,007 |
| Average earning assets | $300,165,000 | 2,033 |
| Average equity | $72,990,750 | 1,115 |
| Average total loans | $282,348,000 | 1,679 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 2,054 |
| Cost of funding earning assets | 0.8671% | 843 |
| Net interest margin | 3.6454% | 3,132 |
| Noninterest income to average assets | 44.0967% | 23 |
| Noninterest expense to average assets | 44.9301% | 20 |
| Loan and lease loss provision to assets | 0.0065% | 3,709 |
| Net operating income to assets | 1.8508% | 523 |
| Return on assets (ROA) | 1.8508% | 525 |
| Pretax return on assets | 2.4681% | 239 |
| Return on Equity (ROE) | 7.8661% | 3,558 |
| Retained earnings to average equity (ytd only) | -8.6362% | 5,393 |
| Net charge-offs to loans | 0.0990% | 1,367 |
| Credit loss provision to net charge-offs | 7.6923% | 2,739 |
| Earnings coverage of net charge-offs (x) | 29.4154% | 1,522 |
| Efficiency ratio | 94.7417% | 240 |
| Assets per employee ($millions) | 0.2867% | 5,525 |
| Cash dividends to net income (ytd only)* | 209.7902% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3878% | 5,363 |
| Loan loss allowance to noncurrent loans | 19.9349% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 709 |
| Noncurrent loans to loans | 1.9453% | 783 |
| Net loans and leases to total assets | 84.3428% | 424 |
| Net loans and leases to deposits | 117.8532% | 131 |
| Net loans and leases to core deposits | 198.7588% | 39 |
| Total domestic deposits to total assets | 71.5660% | 5,208 |
| Equity capital to assets | 23.5313% | 134 |
| Core capital (leverage) ratio | 26.5652% | 92 |
| Tier 1 risk-based capital ratio | 41.4350% | 213 |
| Total risk-based capital ratio | 42.0227% | 218 |
| Memoranda: | ||
| Average total assets | $309,062,000 | 2,124 |
| Average earning assets | $280,464,330 | 2,156 |
| Average equity | $72,717,330 | 1,117 |
| Average total loans | $262,684,000 | 1,776 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 1,690 |
| Cost of funding earning assets | 0.8640% | 712 |
| Net interest margin | 3.6945% | 2,821 |
| Noninterest income to average assets | 37.3281% | 27 |
| Noninterest expense to average assets | 38.7215% | 24 |
| Loan and lease loss provision to assets | 0.0127% | 3,364 |
| Net operating income to assets | 1.4709% | 1,146 |
| Return on assets (ROA) | 1.4709% | 1,146 |
| Pretax return on assets | 1.9621% | 628 |
| Return on Equity (ROE) | 6.2521% | 4,077 |
| Retained earnings to average equity (ytd only) | 6.2521% | 2,606 |
| Net charge-offs to loans | 0.0314% | 1,871 |
| Credit loss provision to net charge-offs | 47.6190% | 1,969 |
| Earnings coverage of net charge-offs (x) | 73.9048% | 742 |
| Efficiency ratio | 95.1005% | 270 |
| Assets per employee ($millions) | 0.2798% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4869% | 5,347 |
| Loan loss allowance to noncurrent loans | 31.8981% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.3697% | 1,069 |
| Noncurrent loans to loans | 1.5264% | 1,148 |
| Net loans and leases to total assets | 83.9839% | 438 |
| Net loans and leases to deposits | 127.1997% | 50 |
| Net loans and leases to core deposits | 148.5705% | 137 |
| Total domestic deposits to total assets | 66.0252% | 5,464 |
| Equity capital to assets | 28.1246% | 74 |
| Core capital (leverage) ratio | 25.4573% | 102 |
| Tier 1 risk-based capital ratio | 49.9741% | 130 |
| Total risk-based capital ratio | 50.7150% | 133 |
| Memoranda: | ||
| Average total assets | $314,358,000 | 2,111 |
| Average earning assets | $286,586,000 | 2,141 |
| Average equity | $73,959,000 | 1,109 |
| Average total loans | $267,667,000 | 1,754 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 2,545 |
| Cost of funding earning assets | 0.7345% | 874 |
| Net interest margin | 3.5037% | 3,517 |
| Noninterest income to average assets | 46.0131% | 23 |
| Noninterest expense to average assets | 41.6836% | 24 |
| Loan and lease loss provision to assets | 3.7814% | 18 |
| Net operating income to assets | 2.8291% | 84 |
| Return on assets (ROA) | 2.8291% | 82 |
| Pretax return on assets | 3.7691% | 68 |
| Return on Equity (ROE) | 12.3858% | 1,110 |
| Retained earnings to average equity (ytd only) | 7.9859% | 772 |
| Net charge-offs to loans | 4.3236% | 19 |
| Credit loss provision to net charge-offs | 102.9588% | 2,485 |
| Earnings coverage of net charge-offs (x) | 2.0558% | 3,807 |
| Efficiency ratio | 84.6238% | 723 |
| Assets per employee ($millions) | 0.4055% | 5,647 |
| Cash dividends to net income (ytd only)* | 35.5240% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3529% | 5,527 |
| Loan loss allowance to noncurrent loans | 27.7848% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1578% | 1,282 |
| Noncurrent loans to loans | 1.2702% | 1,383 |
| Net loans and leases to total assets | 85.3930% | 301 |
| Net loans and leases to deposits | 147.7062% | 15 |
| Net loans and leases to core deposits | 188.0239% | 46 |
| Total domestic deposits to total assets | 57.8127% | 5,599 |
| Equity capital to assets | 20.1770% | 200 |
| Core capital (leverage) ratio | 22.3907% | 133 |
| Tier 1 risk-based capital ratio | 36.6653% | 282 |
| Total risk-based capital ratio | 37.2227% | 295 |
| Memoranda: | ||
| Average total assets | $318,400,800 | 2,073 |
| Average earning assets | $292,722,000 | 2,082 |
| Average equity | $72,728,200 | 1,091 |
| Average total loans | $270,468,800 | 1,710 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 1,990 |
| Cost of funding earning assets | 0.6964% | 983 |
| Net interest margin | 3.6910% | 2,787 |
| Noninterest income to average assets | 46.7374% | 24 |
| Noninterest expense to average assets | 42.0742% | 24 |
| Loan and lease loss provision to assets | 0.3539% | 416 |
| Net operating income to assets | 5.1291% | 36 |
| Return on assets (ROA) | 5.1291% | 36 |
| Pretax return on assets | 7.6969% | 31 |
| Return on Equity (ROE) | 21.7053% | 149 |
| Retained earnings to average equity (ytd only) | 15.8256% | 93 |
| Net charge-offs to loans | -0.0318% | 5,015 |
| Credit loss provision to net charge-offs | -1,314.5161% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8970% | 759 |
| Assets per employee ($millions) | 0.3812% | 5,713 |
| Cash dividends to net income (ytd only)* | 27.0888% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5525% | 5,405 |
| Loan loss allowance to noncurrent loans | 76.4651% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 2,414 |
| Noncurrent loans to loans | 0.7225% | 2,550 |
| Net loans and leases to total assets | 85.8668% | 264 |
| Net loans and leases to deposits | 119.3636% | 106 |
| Net loans and leases to core deposits | 179.0847% | 54 |
| Total domestic deposits to total assets | 71.9372% | 5,385 |
| Equity capital to assets | 22.2857% | 144 |
| Core capital (leverage) ratio | 24.7224% | 103 |
| Tier 1 risk-based capital ratio | 41.0965% | 206 |
| Total risk-based capital ratio | 41.9856% | 206 |
| Memoranda: | ||
| Average total assets | $307,075,500 | 2,144 |
| Average earning assets | $281,833,750 | 2,164 |
| Average equity | $72,564,250 | 1,105 |
| Average total loans | $260,167,000 | 1,771 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 2,202 |
| Cost of funding earning assets | 0.6450% | 1,171 |
| Net interest margin | 3.6331% | 2,898 |
| Noninterest income to average assets | 45.8335% | 24 |
| Noninterest expense to average assets | 41.7361% | 24 |
| Loan and lease loss provision to assets | 0.5517% | 204 |
| Net operating income to assets | 4.8663% | 45 |
| Return on assets (ROA) | 4.8663% | 44 |
| Pretax return on assets | 6.8666% | 36 |
| Return on Equity (ROE) | 20.1506% | 214 |
| Retained earnings to average equity (ytd only) | 20.1506% | 59 |
| Net charge-offs to loans | -0.0523% | 5,192 |
| Credit loss provision to net charge-offs | -1,253.8462% | 4,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8642% | 774 |
| Assets per employee ($millions) | 0.3623% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5924% | 5,394 |
| Loan loss allowance to noncurrent loans | 57.9227% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 1,764 |
| Noncurrent loans to loans | 1.0227% | 1,924 |
| Net loans and leases to total assets | 86.7961% | 221 |
| Net loans and leases to deposits | 167.0287% | 8 |
| Net loans and leases to core deposits | 200.6388% | 43 |
| Total domestic deposits to total assets | 51.9648% | 5,731 |
| Equity capital to assets | 23.6700% | 120 |
| Core capital (leverage) ratio | 28.3360% | 64 |
| Tier 1 risk-based capital ratio | 42.6126% | 185 |
| Total risk-based capital ratio | 43.5540% | 183 |
| Memoranda: | ||
| Average total assets | $295,461,000 | 2,219 |
| Average earning assets | $270,069,670 | 2,238 |
| Average equity | $71,352,670 | 1,120 |
| Average total loans | $248,480,670 | 1,835 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 1,422 |
| Cost of funding earning assets | 0.6901% | 881 |
| Net interest margin | 3.7907% | 2,146 |
| Noninterest income to average assets | 44.9861% | 26 |
| Noninterest expense to average assets | 41.2979% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 5.7581% | 34 |
| Return on assets (ROA) | 5.7581% | 34 |
| Pretax return on assets | 7.1394% | 35 |
| Return on Equity (ROE) | 23.5840% | 113 |
| Retained earnings to average equity (ytd only) | 23.5840% | 62 |
| Net charge-offs to loans | -0.0136% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2113% | 870 |
| Assets per employee ($millions) | 0.3245% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3319% | 5,728 |
| Loan loss allowance to noncurrent loans | 29.2964% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0680% | 1,685 |
| Noncurrent loans to loans | 1.1330% | 1,800 |
| Net loans and leases to total assets | 83.7440% | 395 |
| Net loans and leases to deposits | 129.7783% | 37 |
| Net loans and leases to core deposits | 152.4374% | 99 |
| Total domestic deposits to total assets | 64.5285% | 5,735 |
| Equity capital to assets | 26.2395% | 89 |
| Core capital (leverage) ratio | 25.6123% | 93 |
| Tier 1 risk-based capital ratio | 47.1393% | 153 |
| Total risk-based capital ratio | 47.6502% | 158 |
| Memoranda: | ||
| Average total assets | $285,234,500 | 2,289 |
| Average earning assets | $259,690,000 | 2,318 |
| Average equity | $69,640,500 | 1,137 |
| Average total loans | $234,803,500 | 1,929 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 3,545 |
| Cost of funding earning assets | 0.6216% | 1,195 |
| Net interest margin | 3.2864% | 4,184 |
| Noninterest income to average assets | 52.6930% | 21 |
| Noninterest expense to average assets | 44.0742% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 7.1140% | 23 |
| Return on assets (ROA) | 7.1140% | 24 |
| Pretax return on assets | 11.6620% | 23 |
| Return on Equity (ROE) | 44.6818% | 10 |
| Retained earnings to average equity (ytd only) | 44.6818% | 4 |
| Net charge-offs to loans | -0.0223% | 5,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0383% | 1,549 |
| Assets per employee ($millions) | 0.3393% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3141% | 5,790 |
| Loan loss allowance to noncurrent loans | 41.3831% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 2,539 |
| Noncurrent loans to loans | 0.7590% | 2,639 |
| Net loans and leases to total assets | 80.5001% | 814 |
| Net loans and leases to deposits | 112.2093% | 183 |
| Net loans and leases to core deposits | 152.0750% | 104 |
| Total domestic deposits to total assets | 71.7410% | 5,578 |
| Equity capital to assets | 22.7383% | 132 |
| Core capital (leverage) ratio | 16.6716% | 384 |
| Tier 1 risk-based capital ratio | 43.6248% | 181 |
| Total risk-based capital ratio | 44.1210% | 186 |
| Memoranda: | ||
| Average total assets | $338,783,200 | 1,957 |
| Average earning assets | $313,715,800 | 1,951 |
| Average equity | $53,939,200 | 1,426 |
| Average total loans | $292,115,600 | 1,556 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7196% | 4,185 |
| Cost of funding earning assets | 0.5395% | 1,796 |
| Net interest margin | 3.1801% | 4,538 |
| Noninterest income to average assets | 50.9787% | 22 |
| Noninterest expense to average assets | 43.1064% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 6.6022% | 23 |
| Return on assets (ROA) | 6.6022% | 24 |
| Pretax return on assets | 10.8232% | 22 |
| Return on Equity (ROE) | 45.6249% | 13 |
| Retained earnings to average equity (ytd only) | 45.6249% | 4 |
| Net charge-offs to loans | -0.0253% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8920% | 1,444 |
| Assets per employee ($millions) | 0.5408% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1830% | 5,896 |
| Loan loss allowance to noncurrent loans | 46.6583% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 3,784 |
| Noncurrent loans to loans | 0.3923% | 3,858 |
| Net loans and leases to total assets | 88.8257% | 97 |
| Net loans and leases to deposits | 115.2059% | 166 |
| Net loans and leases to core deposits | 247.7471% | 34 |
| Total domestic deposits to total assets | 77.1017% | 5,064 |
| Equity capital to assets | 13.2599% | 1,367 |
| Core capital (leverage) ratio | 15.3872% | 572 |
| Tier 1 risk-based capital ratio | 25.1979% | 795 |
| Total risk-based capital ratio | 25.5139% | 864 |
| Memoranda: | ||
| Average total assets | $349,167,250 | 1,910 |
| Average earning assets | $324,007,750 | 1,908 |
| Average equity | $50,526,750 | 1,510 |
| Average total loans | $305,135,000 | 1,501 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7136% | 4,251 |
| Cost of funding earning assets | 0.5126% | 2,005 |
| Net interest margin | 3.2011% | 4,536 |
| Noninterest income to average assets | 49.6347% | 22 |
| Noninterest expense to average assets | 43.7463% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 5.3927% | 32 |
| Return on assets (ROA) | 5.3927% | 32 |
| Pretax return on assets | 8.8402% | 23 |
| Return on Equity (ROE) | 35.8017% | 25 |
| Retained earnings to average equity (ytd only) | 35.8017% | 12 |
| Net charge-offs to loans | -0.0377% | 5,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1430% | 1,129 |
| Assets per employee ($millions) | 0.4585% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2274% | 5,966 |
| Loan loss allowance to noncurrent loans | 40.2393% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 3,284 |
| Noncurrent loans to loans | 0.5651% | 3,370 |
| Net loans and leases to total assets | 88.8587% | 105 |
| Net loans and leases to deposits | 119.2420% | 108 |
| Net loans and leases to core deposits | 241.5380% | 34 |
| Total domestic deposits to total assets | 74.5196% | 5,465 |
| Equity capital to assets | 14.2187% | 955 |
| Core capital (leverage) ratio | 16.7685% | 386 |
| Tier 1 risk-based capital ratio | 26.2132% | 712 |
| Total risk-based capital ratio | 26.5948% | 766 |
| Memoranda: | ||
| Average total assets | $312,684,670 | 2,110 |
| Average earning assets | $288,341,670 | 2,126 |
| Average equity | $47,098,330 | 1,610 |
| Average total loans | $270,808,330 | 1,667 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6582% | 4,453 |
| Cost of funding earning assets | 0.4935% | 2,157 |
| Net interest margin | 3.1646% | 4,691 |
| Noninterest income to average assets | 45.5854% | 23 |
| Noninterest expense to average assets | 43.2244% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.2160% | 80 |
| Return on assets (ROA) | 3.2160% | 79 |
| Pretax return on assets | 5.2724% | 50 |
| Return on Equity (ROE) | 20.6138% | 207 |
| Retained earnings to average equity (ytd only) | 20.6138% | 81 |
| Net charge-offs to loans | -0.0608% | 5,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0707% | 738 |
| Assets per employee ($millions) | 0.3969% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2929% | 6,007 |
| Loan loss allowance to noncurrent loans | 48.8889% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 3,124 |
| Noncurrent loans to loans | 0.5992% | 3,381 |
| Net loans and leases to total assets | 85.7653% | 236 |
| Net loans and leases to deposits | 122.7678% | 79 |
| Net loans and leases to core deposits | 209.8435% | 39 |
| Total domestic deposits to total assets | 69.8598% | 5,873 |
| Equity capital to assets | 15.9041% | 544 |
| Core capital (leverage) ratio | 18.0627% | 290 |
| Tier 1 risk-based capital ratio | 29.5129% | 526 |
| Total risk-based capital ratio | 29.9912% | 548 |
| Memoranda: | ||
| Average total assets | $286,320,000 | 2,269 |
| Average earning assets | $263,410,500 | 2,278 |
| Average equity | $44,669,000 | 1,687 |
| Average total loans | $243,491,500 | 1,840 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 4,499 |
| Cost of funding earning assets | 0.4893% | 2,261 |
| Net interest margin | 3.1669% | 4,725 |
| Noninterest income to average assets | 41.3728% | 27 |
| Noninterest expense to average assets | 35.2995% | 25 |
| Loan and lease loss provision to assets | 0.1995% | 1,081 |
| Net operating income to assets | 5.3734% | 40 |
| Return on assets (ROA) | 5.3734% | 39 |
| Pretax return on assets | 8.8125% | 27 |
| Return on Equity (ROE) | 40.4466% | 26 |
| Retained earnings to average equity (ytd only) | 36.5846% | 17 |
| Net charge-offs to loans | 0.0379% | 3,467 |
| Credit loss provision to net charge-offs | 622.4719% | 549 |
| Earnings coverage of net charge-offs (x) | 281.2360% | 256 |
| Efficiency ratio | 79.6118% | 1,725 |
| Assets per employee ($millions) | 0.4111% | 6,155 |
| Cash dividends to net income (ytd only)* | 9.5484% | 4,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2881% | 6,061 |
| Loan loss allowance to noncurrent loans | 39.3489% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 2,819 |
| Noncurrent loans to loans | 0.7322% | 2,990 |
| Net loans and leases to total assets | 83.8116% | 409 |
| Net loans and leases to deposits | 120.5614% | 100 |
| Net loans and leases to core deposits | 201.3137% | 42 |
| Total domestic deposits to total assets | 69.5178% | 5,915 |
| Equity capital to assets | 15.2942% | 629 |
| Core capital (leverage) ratio | 16.2373% | 438 |
| Tier 1 risk-based capital ratio | 28.7172% | 566 |
| Total risk-based capital ratio | 29.1821% | 596 |
| Memoranda: | ||
| Average total assets | $277,740,400 | 2,290 |
| Average earning assets | $257,728,000 | 2,280 |
| Average equity | $36,898,000 | 1,935 |
| Average total loans | $234,547,000 | 1,841 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5828% | 4,791 |
| Cost of funding earning assets | 0.4923% | 2,292 |
| Net interest margin | 3.0906% | 4,987 |
| Noninterest income to average assets | 42.2210% | 27 |
| Noninterest expense to average assets | 35.1673% | 27 |
| Loan and lease loss provision to assets | 0.2676% | 609 |
| Net operating income to assets | 5.8930% | 38 |
| Return on assets (ROA) | 5.8930% | 40 |
| Pretax return on assets | 9.6609% | 28 |
| Return on Equity (ROE) | 46.1567% | 19 |
| Retained earnings to average equity (ytd only) | 46.1567% | 7 |
| Net charge-offs to loans | 0.0908% | 2,260 |
| Credit loss provision to net charge-offs | 348.4277% | 845 |
| Earnings coverage of net charge-offs (x) | 129.2859% | 511 |
| Efficiency ratio | 77.9815% | 1,946 |
| Assets per employee ($millions) | 0.4364% | 6,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2639% | 6,160 |
| Loan loss allowance to noncurrent loans | 39.4268% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 3,257 |
| Noncurrent loans to loans | 0.6695% | 3,324 |
| Net loans and leases to total assets | 80.2305% | 795 |
| Net loans and leases to deposits | 121.3827% | 89 |
| Net loans and leases to core deposits | 176.6840% | 52 |
| Total domestic deposits to total assets | 66.0971% | 6,090 |
| Equity capital to assets | 14.4846% | 861 |
| Core capital (leverage) ratio | 17.2101% | 361 |
| Tier 1 risk-based capital ratio | 27.8407% | 632 |
| Total risk-based capital ratio | 28.2610% | 663 |
| Memoranda: | ||
| Average total assets | $276,048,750 | 2,316 |
| Average earning assets | $256,773,000 | 2,299 |
| Average equity | $35,244,250 | 2,033 |
| Average total loans | $233,399,000 | 1,856 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 4,519 |
| Cost of funding earning assets | 0.5133% | 2,131 |
| Net interest margin | 3.1540% | 4,817 |
| Noninterest income to average assets | 40.1649% | 28 |
| Noninterest expense to average assets | 34.5308% | 29 |
| Loan and lease loss provision to assets | 0.2267% | 832 |
| Net operating income to assets | 5.0951% | 47 |
| Return on assets (ROA) | 5.0951% | 47 |
| Pretax return on assets | 8.3518% | 35 |
| Return on Equity (ROE) | 41.9301% | 26 |
| Retained earnings to average equity (ytd only) | 41.9301% | 13 |
| Net charge-offs to loans | 0.1030% | 1,976 |
| Credit loss provision to net charge-offs | 255.8333% | 1,035 |
| Earnings coverage of net charge-offs (x) | 96.8250% | 611 |
| Efficiency ratio | 80.0973% | 1,743 |
| Assets per employee ($millions) | 0.4488% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1694% | 6,252 |
| Loan loss allowance to noncurrent loans | 24.3339% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 3,345 |
| Noncurrent loans to loans | 0.6961% | 3,403 |
| Net loans and leases to total assets | 84.1914% | 360 |
| Net loans and leases to deposits | 111.0173% | 240 |
| Net loans and leases to core deposits | 141.4956% | 159 |
| Total domestic deposits to total assets | 75.8363% | 5,616 |
| Equity capital to assets | 12.8333% | 1,471 |
| Core capital (leverage) ratio | 13.0058% | 1,164 |
| Tier 1 risk-based capital ratio | 23.5864% | 996 |
| Total risk-based capital ratio | 23.8571% | 1,108 |
| Memoranda: | ||
| Average total assets | $270,888,330 | 2,362 |
| Average earning assets | $252,886,330 | 2,348 |
| Average equity | $32,916,670 | 2,173 |
| Average total loans | $233,027,000 | 1,855 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3812% | 5,246 |
| Cost of funding earning assets | 0.4532% | 2,740 |
| Net interest margin | 2.9280% | 5,388 |
| Noninterest income to average assets | 40.2681% | 28 |
| Noninterest expense to average assets | 33.2642% | 28 |
| Loan and lease loss provision to assets | 0.1905% | 985 |
| Net operating income to assets | 5.8244% | 40 |
| Return on assets (ROA) | 5.8244% | 41 |
| Pretax return on assets | 9.5504% | 35 |
| Return on Equity (ROE) | 49.4533% | 24 |
| Retained earnings to average equity (ytd only) | 49.4533% | 12 |
| Net charge-offs to loans | -0.0070% | 4,594 |
| Credit loss provision to net charge-offs | -3,125.0000% | 5,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3459% | 2,288 |
| Assets per employee ($millions) | 0.4811% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1373% | 6,339 |
| Loan loss allowance to noncurrent loans | 25.2149% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 3,860 |
| Noncurrent loans to loans | 0.5443% | 3,953 |
| Net loans and leases to total assets | 83.0561% | 370 |
| Net loans and leases to deposits | 98.2183% | 663 |
| Net loans and leases to core deposits | 131.4833% | 228 |
| Total domestic deposits to total assets | 84.5628% | 3,596 |
| Equity capital to assets | 10.9810% | 2,989 |
| Core capital (leverage) ratio | 15.5752% | 520 |
| Tier 1 risk-based capital ratio | 21.3448% | 1,361 |
| Total risk-based capital ratio | 21.5749% | 1,523 |
| Memoranda: | ||
| Average total assets | $262,480,500 | 2,449 |
| Average earning assets | $245,356,000 | 2,421 |
| Average equity | $30,914,000 | 2,297 |
| Average total loans | $228,224,000 | 1,891 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9410% | 3,963 |
| Cost of funding earning assets | 0.6055% | 1,717 |
| Net interest margin | 3.3355% | 4,454 |
| Noninterest income to average assets | 38.4515% | 27 |
| Noninterest expense to average assets | 38.1686% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.1173% | 265 |
| Return on assets (ROA) | 2.1173% | 269 |
| Pretax return on assets | 3.3698% | 87 |
| Return on Equity (ROE) | 15.4402% | 708 |
| Retained earnings to average equity (ytd only) | 15.4402% | 137 |
| Net charge-offs to loans | -0.0065% | 5,502 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8809% | 713 |
| Assets per employee ($millions) | 0.3307% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1120% | 6,434 |
| Loan loss allowance to noncurrent loans | 27.0859% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 4,037 |
| Noncurrent loans to loans | 0.4135% | 4,403 |
| Net loans and leases to total assets | 92.2249% | 24 |
| Net loans and leases to deposits | 133.3999% | 34 |
| Net loans and leases to core deposits | 188.7904% | 49 |
| Total domestic deposits to total assets | 69.1342% | 6,232 |
| Equity capital to assets | 12.9117% | 1,410 |
| Core capital (leverage) ratio | 12.7352% | 1,235 |
| Tier 1 risk-based capital ratio | 23.6942% | 985 |
| Total risk-based capital ratio | 23.8870% | 1,115 |
| Memoranda: | ||
| Average total assets | $181,316,600 | 3,194 |
| Average earning assets | $167,798,800 | 3,184 |
| Average equity | $24,863,600 | 2,680 |
| Average total loans | $154,927,800 | 2,495 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,557 |
| Cost of funding earning assets | 0.6293% | 1,605 |
| Net interest margin | 3.4214% | 4,141 |
| Noninterest income to average assets | 35.3346% | 26 |
| Noninterest expense to average assets | 37.1665% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8023% | 3,417 |
| Return on assets (ROA) | 0.8023% | 3,511 |
| Pretax return on assets | 1.3156% | 2,316 |
| Return on Equity (ROE) | 5.7455% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.7455% | 2,577 |
| Net charge-offs to loans | -0.0065% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5733% | 483 |
| Assets per employee ($millions) | 0.3133% | 6,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1208% | 6,513 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 4,989 |
| Noncurrent loans to loans | 0.1932% | 5,326 |
| Net loans and leases to total assets | 86.9404% | 153 |
| Net loans and leases to deposits | 106.9543% | 293 |
| Net loans and leases to core deposits | 145.1715% | 126 |
| Total domestic deposits to total assets | 81.2874% | 4,736 |
| Equity capital to assets | 12.0242% | 2,035 |
| Core capital (leverage) ratio | 11.8612% | 1,783 |
| Tier 1 risk-based capital ratio | 22.1969% | 1,237 |
| Total risk-based capital ratio | 22.3938% | 1,401 |
| Memoranda: | ||
| Average total assets | $172,495,250 | 3,331 |
| Average earning assets | $158,685,250 | 3,324 |
| Average equity | $24,087,750 | 2,753 |
| Average total loans | $143,663,500 | 2,678 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 4,188 |
| Cost of funding earning assets | 0.6281% | 1,657 |
| Net interest margin | 3.2589% | 4,745 |
| Noninterest income to average assets | 33.2020% | 27 |
| Noninterest expense to average assets | 36.1365% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0312% | 6,156 |
| Return on assets (ROA) | 0.0312% | 6,182 |
| Pretax return on assets | 0.0512% | 6,149 |
| Return on Equity (ROE) | 0.2107% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.2107% | 5,629 |
| Net charge-offs to loans | -0.0046% | 5,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8482% | 408 |
| Assets per employee ($millions) | 0.3049% | 6,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1272% | 6,584 |
| Loan loss allowance to noncurrent loans | 417.3077% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 5,564 |
| Noncurrent loans to loans | 0.0305% | 5,967 |
| Net loans and leases to total assets | 86.5305% | 150 |
| Net loans and leases to deposits | 100.4071% | 537 |
| Net loans and leases to core deposits | 141.7312% | 131 |
| Total domestic deposits to total assets | 86.1797% | 2,949 |
| Equity capital to assets | 12.2679% | 1,799 |
| Core capital (leverage) ratio | 12.1156% | 1,593 |
| Tier 1 risk-based capital ratio | 23.2078% | 1,080 |
| Total risk-based capital ratio | 23.4191% | 1,213 |
| Memoranda: | ||
| Average total assets | $160,231,330 | 3,533 |
| Average earning assets | $146,799,670 | 3,542 |
| Average equity | $23,728,670 | 2,775 |
| Average total loans | $130,826,330 | 2,860 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 5,100 |
| Cost of funding earning assets | 0.6795% | 1,366 |
| Net interest margin | 2.9414% | 5,665 |
| Noninterest income to average assets | 30.7716% | 28 |
| Noninterest expense to average assets | 35.7935% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.4324% | 6,624 |
| Return on assets (ROA) | -1.4324% | 6,619 |
| Pretax return on assets | -2.3488% | 6,662 |
| Return on Equity (ROE) | -8.6429% | 6,543 |
| Retained earnings to average equity (ytd only) | -8.6429% | 6,312 |
| Net charge-offs to loans | -0.0036% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0062% | 315 |
| Assets per employee ($millions) | 0.2435% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2101% | 6,637 |
| Loan loss allowance to noncurrent loans | 438.7755% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 5,404 |
| Noncurrent loans to loans | 0.0479% | 6,006 |
| Net loans and leases to total assets | 71.9270% | 1,587 |
| Net loans and leases to deposits | 87.6737% | 1,393 |
| Net loans and leases to core deposits | 105.0089% | 796 |
| Total domestic deposits to total assets | 82.0394% | 4,936 |
| Equity capital to assets | 16.3889% | 476 |
| Core capital (leverage) ratio | 16.2104% | 458 |
| Tier 1 risk-based capital ratio | 34.4009% | 368 |
| Total risk-based capital ratio | 34.7228% | 395 |
| Memoranda: | ||
| Average total assets | $141,858,000 | 3,853 |
| Average earning assets | $128,917,500 | 3,863 |
| Average equity | $23,510,500 | 2,793 |
| Average total loans | $110,908,000 | 3,243 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2833% | 6,022 |
| Cost of funding earning assets | 0.6178% | 2,506 |
| Net interest margin | 2.6655% | 6,181 |
| Noninterest income to average assets | 31.8866% | 27 |
| Noninterest expense to average assets | 32.3782% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1866% | 1,618 |
| Return on assets (ROA) | 1.1866% | 1,686 |
| Pretax return on assets | 1.9454% | 544 |
| Return on Equity (ROE) | 9.3982% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.9571% | 1,450 |
| Net charge-offs to loans | -0.0039% | 5,901 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3198% | 728 |
| Assets per employee ($millions) | 0.2675% | 6,791 |
| Cash dividends to net income (ytd only)* | 25.9740% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1791% | 6,716 |
| Loan loss allowance to noncurrent loans | 207.7670% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 5,374 |
| Noncurrent loans to loans | 0.0862% | 5,957 |
| Net loans and leases to total assets | 84.1428% | 246 |
| Net loans and leases to deposits | 103.3243% | 347 |
| Net loans and leases to core deposits | 133.9671% | 167 |
| Total domestic deposits to total assets | 81.4357% | 5,059 |
| Equity capital to assets | 16.7579% | 423 |
| Core capital (leverage) ratio | 16.5872% | 409 |
| Tier 1 risk-based capital ratio | 31.2891% | 455 |
| Total risk-based capital ratio | 31.5743% | 484 |
| Memoranda: | ||
| Average total assets | $188,188,600 | 3,181 |
| Average earning assets | $172,052,400 | 3,192 |
| Average equity | $23,759,800 | 2,749 |
| Average total loans | $153,948,800 | 2,505 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2142% | 6,181 |
| Cost of funding earning assets | 0.6008% | 2,803 |
| Net interest margin | 2.6134% | 6,301 |
| Noninterest income to average assets | 32.1145% | 27 |
| Noninterest expense to average assets | 31.7561% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6777% | 641 |
| Return on assets (ROA) | 1.6777% | 679 |
| Pretax return on assets | 2.7501% | 175 |
| Return on Equity (ROE) | 14.1073% | 972 |
| Retained earnings to average equity (ytd only) | 10.8526% | 606 |
| Net charge-offs to loans | -0.0033% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0166% | 853 |
| Assets per employee ($millions) | 0.3084% | 6,869 |
| Cash dividends to net income (ytd only)* | 23.0707% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2051% | 6,792 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 5,639 |
| Noncurrent loans to loans | 0.1026% | 6,023 |
| Net loans and leases to total assets | 65.3025% | 2,751 |
| Net loans and leases to deposits | 78.4370% | 2,597 |
| Net loans and leases to core deposits | 97.1330% | 1,303 |
| Total domestic deposits to total assets | 83.2547% | 4,482 |
| Equity capital to assets | 15.2319% | 676 |
| Core capital (leverage) ratio | 15.0648% | 627 |
| Tier 1 risk-based capital ratio | 35.7591% | 316 |
| Total risk-based capital ratio | 36.0782% | 336 |
| Memoranda: | ||
| Average total assets | $199,792,750 | 3,057 |
| Average earning assets | $182,848,500 | 3,071 |
| Average equity | $23,760,250 | 2,783 |
| Average total loans | $162,559,750 | 2,401 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 6,132 |
| Cost of funding earning assets | 0.5793% | 3,137 |
| Net interest margin | 2.6918% | 6,190 |
| Noninterest income to average assets | 33.4196% | 27 |
| Noninterest expense to average assets | 31.7775% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.5029% | 175 |
| Return on assets (ROA) | 2.5029% | 185 |
| Pretax return on assets | 4.1029% | 80 |
| Return on Equity (ROE) | 22.6101% | 184 |
| Retained earnings to average equity (ytd only) | 17.7077% | 131 |
| Net charge-offs to loans | -0.0022% | 5,535 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5519% | 1,164 |
| Assets per employee ($millions) | 0.3748% | 6,911 |
| Cash dividends to net income (ytd only)* | 21.6822% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1527% | 6,851 |
| Loan loss allowance to noncurrent loans | 212.1212% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 5,806 |
| Noncurrent loans to loans | 0.0720% | 6,176 |
| Net loans and leases to total assets | 74.4710% | 1,178 |
| Net loans and leases to deposits | 87.7896% | 1,370 |
| Net loans and leases to core deposits | 109.3158% | 589 |
| Total domestic deposits to total assets | 84.8289% | 3,980 |
| Equity capital to assets | 13.1238% | 1,301 |
| Core capital (leverage) ratio | 12.9860% | 1,166 |
| Tier 1 risk-based capital ratio | 27.5311% | 659 |
| Total risk-based capital ratio | 27.7729% | 714 |
| Memoranda: | ||
| Average total assets | $213,748,670 | 2,918 |
| Average earning assets | $195,404,670 | 2,923 |
| Average equity | $23,662,000 | 2,801 |
| Average total loans | $182,299,330 | 2,178 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2369% | 6,255 |
| Cost of funding earning assets | 0.5446% | 3,627 |
| Net interest margin | 2.6923% | 6,226 |
| Noninterest income to average assets | 33.2639% | 27 |
| Noninterest expense to average assets | 28.7355% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 4.2674% | 52 |
| Return on assets (ROA) | 4.2674% | 55 |
| Pretax return on assets | 6.9956% | 44 |
| Return on Equity (ROE) | 41.6697% | 37 |
| Retained earnings to average equity (ytd only) | 41.6697% | 23 |
| Net charge-offs to loans | -0.0020% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4068% | 2,268 |
| Assets per employee ($millions) | 0.4670% | 6,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1067% | 6,936 |
| Loan loss allowance to noncurrent loans | 103.9801% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 5,858 |
| Noncurrent loans to loans | 0.1026% | 6,169 |
| Net loans and leases to total assets | 89.3193% | 48 |
| Net loans and leases to deposits | 117.5229% | 81 |
| Net loans and leases to core deposits | 143.8334% | 112 |
| Total domestic deposits to total assets | 76.0016% | 6,368 |
| Equity capital to assets | 11.2322% | 2,701 |
| Core capital (leverage) ratio | 11.0901% | 2,189 |
| Tier 1 risk-based capital ratio | 20.5344% | 1,645 |
| Total risk-based capital ratio | 20.7114% | 1,894 |
| Memoranda: | ||
| Average total assets | $228,428,000 | 2,799 |
| Average earning assets | $209,336,500 | 2,783 |
| Average equity | $23,393,500 | 2,867 |
| Average total loans | $204,685,500 | 1,988 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 6,309 |
| Cost of funding earning assets | 0.6327% | 4,073 |
| Net interest margin | 2.9068% | 6,212 |
| Noninterest income to average assets | 35.8736% | 27 |
| Noninterest expense to average assets | 25.1504% | 28 |
| Loan and lease loss provision to assets | -0.0731% | 6,894 |
| Net operating income to assets | 9.4458% | 25 |
| Return on assets (ROA) | 9.5310% | 25 |
| Pretax return on assets | 13.6567% | 23 |
| Return on Equity (ROE) | 109.3140% | 4 |
| Retained earnings to average equity (ytd only) | 109.3140% | 2 |
| Net charge-offs to loans | -0.1144% | 6,853 |
| Credit loss provision to net charge-offs | 75.9124% | 3,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1137% | 4,683 |
| Assets per employee ($millions) | 0.5038% | 7,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0974% | 6,988 |
| Loan loss allowance to noncurrent loans | 171.9008% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 6,089 |
| Noncurrent loans to loans | 0.0567% | 6,352 |
| Net loans and leases to total assets | 89.6950% | 55 |
| Net loans and leases to deposits | 126.7908% | 50 |
| Net loans and leases to core deposits | 156.6306% | 88 |
| Total domestic deposits to total assets | 70.7425% | 6,762 |
| Equity capital to assets | 9.3282% | 5,111 |
| Core capital (leverage) ratio | 9.1846% | 4,610 |
| Tier 1 risk-based capital ratio | 17.1165% | 2,594 |
| Total risk-based capital ratio | 17.2798% | 3,097 |
| Memoranda: | ||
| Average total assets | $142,252,200 | 3,913 |
| Average earning assets | $134,029,600 | 3,824 |
| Average equity | $12,402,800 | 4,478 |
| Average total loans | $119,750,400 | 3,079 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4844% | 6,524 |
| Cost of funding earning assets | 0.6659% | 4,055 |
| Net interest margin | 2.8185% | 6,474 |
| Noninterest income to average assets | 30.6174% | 27 |
| Noninterest expense to average assets | 23.1928% | 31 |
| Loan and lease loss provision to assets | 0.1126% | 4,157 |
| Net operating income to assets | 7.1023% | 29 |
| Return on assets (ROA) | 7.1519% | 29 |
| Pretax return on assets | 10.0706% | 30 |
| Return on Equity (ROE) | 85.0125% | 6 |
| Retained earnings to average equity (ytd only) | 85.0125% | 2 |
| Net charge-offs to loans | 0.0498% | 4,957 |
| Credit loss provision to net charge-offs | 277.7778% | 977 |
| Earnings coverage of net charge-offs (x) | 249.3827% | 184 |
| Efficiency ratio | 69.6012% | 3,769 |
| Assets per employee ($millions) | 0.5158% | 7,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1243% | 7,095 |
| Loan loss allowance to noncurrent loans | 172.4638% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 6,138 |
| Noncurrent loans to loans | 0.0721% | 6,438 |
| Net loans and leases to total assets | 89.1182% | 67 |
| Net loans and leases to deposits | 116.8369% | 91 |
| Net loans and leases to core deposits | 146.0776% | 123 |
| Total domestic deposits to total assets | 76.2757% | 6,346 |
| Equity capital to assets | 7.0430% | 6,873 |
| Core capital (leverage) ratio | 6.9056% | 6,815 |
| Tier 1 risk-based capital ratio | 13.4434% | 4,913 |
| Total risk-based capital ratio | 13.6594% | 5,670 |
| Memoranda: | ||
| Average total assets | $118,361,250 | 4,433 |
| Average earning assets | $112,918,500 | 4,320 |
| Average equity | $9,957,500 | 5,033 |
| Average total loans | $96,308,750 | 3,648 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 6,449 |
| Cost of funding earning assets | 0.8260% | 2,983 |
| Net interest margin | 2.8024% | 6,571 |
| Noninterest income to average assets | 25.2723% | 33 |
| Noninterest expense to average assets | 20.4237% | 37 |
| Loan and lease loss provision to assets | 0.1970% | 3,114 |
| Net operating income to assets | 4.5462% | 52 |
| Return on assets (ROA) | 4.5937% | 53 |
| Pretax return on assets | 7.4074% | 39 |
| Return on Equity (ROE) | 48.1107% | 23 |
| Retained earnings to average equity (ytd only) | 48.1107% | 15 |
| Net charge-offs to loans | 0.1208% | 3,965 |
| Credit loss provision to net charge-offs | 217.9487% | 1,303 |
| Earnings coverage of net charge-offs (x) | 83.3077% | 492 |
| Efficiency ratio | 73.0039% | 3,239 |
| Assets per employee ($millions) | 0.3727% | 7,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2400% | 7,137 |
| Loan loss allowance to noncurrent loans | 213.4615% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 5,758 |
| Noncurrent loans to loans | 0.1124% | 6,381 |
| Net loans and leases to total assets | 83.3528% | 244 |
| Net loans and leases to deposits | 106.6271% | 215 |
| Net loans and leases to core deposits | 110.2016% | 569 |
| Total domestic deposits to total assets | 78.1722% | 6,124 |
| Equity capital to assets | 9.6763% | 4,785 |
| Core capital (leverage) ratio | 9.4388% | 4,231 |
| Tier 1 risk-based capital ratio | 18.4651% | 2,146 |
| Total risk-based capital ratio | 18.8575% | 2,407 |
| Memoranda: | ||
| Average total assets | $86,292,000 | 5,270 |
| Average earning assets | $82,570,670 | 5,137 |
| Average equity | $8,239,330 | 5,504 |
| Average total loans | $64,592,330 | 4,623 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 5,635 |
| Cost of funding earning assets | 0.9228% | 2,493 |
| Net interest margin | 3.1172% | 5,992 |
| Noninterest income to average assets | 15.4684% | 50 |
| Noninterest expense to average assets | 15.1337% | 51 |
| Loan and lease loss provision to assets | 0.2160% | 2,782 |
| Net operating income to assets | 1.9245% | 477 |
| Return on assets (ROA) | 2.0247% | 458 |
| Pretax return on assets | 3.2665% | 144 |
| Return on Equity (ROE) | 21.4194% | 298 |
| Retained earnings to average equity (ytd only) | 21.4194% | 148 |
| Net charge-offs to loans | 0.3081% | 2,427 |
| Credit loss provision to net charge-offs | 102.5641% | 2,248 |
| Earnings coverage of net charge-offs (x) | 15.7949% | 1,404 |
| Efficiency ratio | 81.8368% | 1,955 |
| Assets per employee ($millions) | 0.6438% | 7,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3777% | 7,143 |
| Loan loss allowance to noncurrent loans | 733.3333% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 5,623 |
| Noncurrent loans to loans | 0.0515% | 6,626 |
| Net loans and leases to total assets | 61.6316% | 3,331 |
| Net loans and leases to deposits | 69.5908% | 3,790 |
| Net loans and leases to core deposits | 72.6487% | 4,063 |
| Total domestic deposits to total assets | 88.5629% | 1,973 |
| Equity capital to assets | 9.5294% | 4,759 |
| Core capital (leverage) ratio | 9.1166% | 4,660 |
| Tier 1 risk-based capital ratio | 20.0823% | 1,691 |
| Total risk-based capital ratio | 20.5993% | 1,850 |
| Memoranda: | ||
| Average total assets | $74,086,500 | 5,645 |
| Average earning assets | $71,090,500 | 5,527 |
| Average equity | $7,003,000 | 5,873 |
| Average total loans | $50,640,500 | 5,200 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1469% | 7,142 |
| Cost of funding earning assets | 0.6273% | 5,943 |
| Net interest margin | 2.5196% | 7,050 |
| Noninterest income to average assets | 11.8962% | 55 |
| Noninterest expense to average assets | 6.5307% | 168 |
| Loan and lease loss provision to assets | 1.4965% | 494 |
| Net operating income to assets | 6.3052% | 30 |
| Return on assets (ROA) | 6.9438% | 31 |
| Pretax return on assets | 6.9438% | 45 |
| Return on Equity (ROE) | 67.9900% | 6 |
| Retained earnings to average equity (ytd only) | 67.9900% | 2 |
| Net charge-offs to loans | 1.9463% | 724 |
| Credit loss provision to net charge-offs | 130.4348% | 2,344 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,443 |
| Efficiency ratio | 45.4267% | 7,073 |
| Assets per employee ($millions) | 1.9171% | 7,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3200% | 7,206 |
| Loan loss allowance to noncurrent loans | 648.1481% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.8442% | 4,936 |
| Noncurrent loans to loans | 0.0494% | 6,699 |
| Net loans and leases to total assets | 74.8215% | 1,121 |
| Net loans and leases to deposits | 110.5352% | 163 |
| Net loans and leases to core deposits | 114.5782% | 481 |
| Total domestic deposits to total assets | 67.6903% | 7,085 |
| Equity capital to assets | 9.3729% | 5,057 |
| Core capital (leverage) ratio | 12.0750% | 1,554 |
| Tier 1 risk-based capital ratio | 14.9759% | 3,652 |
| Total risk-based capital ratio | 15.3818% | 4,185 |
| Memoranda: | ||
| Average total assets | $50,117,000 | 6,361 |
| Average earning assets | $48,461,000 | 6,243 |
| Average equity | $5,118,400 | 6,404 |
| Average total loans | $29,542,800 | 6,178 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9888% | 7,263 |
| Cost of funding earning assets | 0.5903% | 6,328 |
| Net interest margin | 2.3985% | 7,178 |
| Noninterest income to average assets | 11.9664% | 56 |
| Noninterest expense to average assets | 4.9900% | 378 |
| Loan and lease loss provision to assets | 1.8004% | 333 |
| Net operating income to assets | 7.5045% | 29 |
| Return on assets (ROA) | 8.4647% | 26 |
| Pretax return on assets | 8.4647% | 36 |
| Return on Equity (ROE) | 80.1799% | 5 |
| Retained earnings to average equity (ytd only) | 80.1799% | 3 |
| Net charge-offs to loans | 3.0784% | 304 |
| Credit loss provision to net charge-offs | 111.7318% | 2,934 |
| Earnings coverage of net charge-offs (x) | 5.7747% | 2,697 |
| Efficiency ratio | 34.7607% | 7,325 |
| Assets per employee ($millions) | 1.5676% | 7,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2249% | 7,325 |
| Loan loss allowance to noncurrent loans | 27.8761% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 1.4078% | 4,017 |
| Noncurrent loans to loans | 0.8066% | 5,256 |
| Net loans and leases to total assets | 61.4923% | 3,853 |
| Net loans and leases to deposits | 72.5181% | 3,886 |
| Net loans and leases to core deposits | 78.1630% | 3,877 |
| Total domestic deposits to total assets | 84.7958% | 3,871 |
| Equity capital to assets | 13.6557% | 1,304 |
| Core capital (leverage) ratio | 12.8352% | 1,280 |
| Tier 1 risk-based capital ratio | 26.8493% | 744 |
| Total risk-based capital ratio | 27.1419% | 824 |
| Memoranda: | ||
| Average total assets | $44,434,250 | 6,579 |
| Average earning assets | $43,137,250 | 6,476 |
| Average equity | $4,691,000 | 6,586 |
| Average total loans | $23,258,250 | 6,565 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1756% | 7,437 |
| Cost of funding earning assets | 0.4379% | 7,045 |
| Net interest margin | 1.7377% | 7,418 |
| Noninterest income to average assets | 10.3738% | 63 |
| Noninterest expense to average assets | 3.1843% | 2,957 |
| Loan and lease loss provision to assets | 0.4082% | 2,390 |
| Net operating income to assets | 8.4732% | 28 |
| Return on assets (ROA) | 9.1445% | 26 |
| Pretax return on assets | 9.1445% | 36 |
| Return on Equity (ROE) | 96.3365% | 5 |
| Retained earnings to average equity (ytd only) | 96.3365% | 3 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2782% | 7,453 |
| Assets per employee ($millions) | 1.8667% | 7,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4358% | 7,268 |
| Loan loss allowance to noncurrent loans | 12.8571% | 6,906 |
| Noncurrent assets plus other real estate owned to assets | 2.4129% | 2,743 |
| Noncurrent loans to loans | 3.3893% | 2,099 |
| Net loans and leases to total assets | 45.8985% | 6,282 |
| Net loans and leases to deposits | 64.4204% | 5,225 |
| Net loans and leases to core deposits | 70.7143% | 4,986 |
| Total domestic deposits to total assets | 71.2484% | 7,047 |
| Equity capital to assets | 11.9261% | 2,146 |
| Core capital (leverage) ratio | 11.2166% | 2,101 |
| Tier 1 risk-based capital ratio | 23.6458% | 1,044 |
| Total risk-based capital ratio | 24.0727% | 1,127 |
| Memoranda: | ||
| Average total assets | $44,092,000 | 6,645 |
| Average earning assets | $42,930,670 | 6,543 |
| Average equity | $4,185,330 | 6,794 |
| Average total loans | $21,671,670 | 6,706 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 5,722 |
| Cost of funding earning assets | 1.2363% | 2,590 |
| Net interest margin | 3.1563% | 6,203 |
| Noninterest income to average assets | 0.0366% | 7,194 |
| Noninterest expense to average assets | 4.0697% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.9511% | 7,030 |
| Return on assets (ROA) | -0.9511% | 7,031 |
| Pretax return on assets | -0.9511% | 6,982 |
| Return on Equity (ROE) | -11.5347% | 7,068 |
| Retained earnings to average equity (ytd only) | -11.5347% | 6,929 |
| Net charge-offs to loans | -0.4869% | 7,406 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.4985% | 259 |
| Assets per employee ($millions) | 4.3547% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3351% | 156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 5,159 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 45.9618% | 6,292 |
| Net loans and leases to deposits | 54.8281% | 6,227 |
| Net loans and leases to core deposits | 58.1679% | 6,241 |
| Total domestic deposits to total assets | 83.8290% | 4,556 |
| Equity capital to assets | 8.0763% | 6,412 |
| Core capital (leverage) ratio | 6.8593% | 7,063 |
| Tier 1 risk-based capital ratio | 14.1826% | 3,948 |
| Total risk-based capital ratio | 15.4864% | 3,886 |
| Memoranda: | ||
| Average total assets | $43,737,500 | 6,703 |
| Average earning assets | $42,708,000 | 6,598 |
| Average equity | $3,606,500 | 6,985 |
| Average total loans | $22,181,000 | 6,728 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 6,852 |
| Cost of funding earning assets | 1.3044% | 3,853 |
| Net interest margin | 2.9503% | 6,821 |
| Noninterest income to average assets | 0.0389% | 7,161 |
| Noninterest expense to average assets | 3.2829% | 2,785 |
| Loan and lease loss provision to assets | 2.6312% | 411 |
| Net operating income to assets | -3.0040% | 7,296 |
| Return on assets (ROA) | -2.7722% | 7,262 |
| Pretax return on assets | -2.7722% | 7,238 |
| Return on Equity (ROE) | -34.6715% | 7,289 |
| Retained earnings to average equity (ytd only) | -35.2798% | 7,284 |
| Net charge-offs to loans | 5.0122% | 176 |
| Credit loss provision to net charge-offs | 125.0385% | 3,268 |
| Earnings coverage of net charge-offs (x) | -0.1772% | 6,274 |
| Efficiency ratio | 112.8134% | 494 |
| Assets per employee ($millions) | 4.3928% | 3,046 |
| Cash dividends to net income (ytd only)* | -1.7544% | 7,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7418% | 234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 5,274 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 50.3506% | 6,136 |
| Net loans and leases to deposits | 56.6112% | 6,390 |
| Net loans and leases to core deposits | 60.6006% | 6,349 |
| Total domestic deposits to total assets | 88.9410% | 1,692 |
| Equity capital to assets | 8.4138% | 5,976 |
| Core capital (leverage) ratio | 7.0511% | 7,002 |
| Tier 1 risk-based capital ratio | 13.4776% | 4,223 |
| Total risk-based capital ratio | 14.7715% | 4,154 |
| Memoranda: | ||
| Average total assets | $61,683,600 | 6,139 |
| Average earning assets | $60,028,800 | 5,995 |
| Average equity | $4,932,000 | 6,688 |
| Average total loans | $25,896,800 | 6,619 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 7,151 |
| Cost of funding earning assets | 1.2897% | 4,292 |
| Net interest margin | 2.8635% | 7,058 |
| Noninterest income to average assets | 0.0403% | 7,318 |
| Noninterest expense to average assets | 2.9762% | 3,834 |
| Loan and lease loss provision to assets | 1.9660% | 607 |
| Net operating income to assets | -2.1172% | 7,265 |
| Return on assets (ROA) | -2.1939% | 7,297 |
| Pretax return on assets | -2.1939% | 7,248 |
| Return on Equity (ROE) | -27.6785% | 7,350 |
| Retained earnings to average equity (ytd only) | -28.4417% | 7,355 |
| Net charge-offs to loans | 6.5545% | 79 |
| Credit loss provision to net charge-offs | 74.6554% | 5,296 |
| Earnings coverage of net charge-offs (x) | -0.0574% | 6,075 |
| Efficiency ratio | 105.3533% | 609 |
| Assets per employee ($millions) | 5.3131% | 1,811 |
| Cash dividends to net income (ytd only)* | -2.7574% | 7,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 2,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 5,600 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 44.0214% | 6,841 |
| Net loans and leases to deposits | 54.3475% | 6,744 |
| Net loans and leases to core deposits | 60.8993% | 6,544 |
| Total domestic deposits to total assets | 80.9998% | 5,361 |
| Equity capital to assets | 8.6503% | 6,101 |
| Core capital (leverage) ratio | 7.0353% | 7,144 |
| Tier 1 risk-based capital ratio | 14.4379% | 3,543 |
| Total risk-based capital ratio | 15.6958% | 3,513 |
| Memoranda: | ||
| Average total assets | $66,122,500 | 6,062 |
| Average earning assets | $64,301,250 | 5,911 |
| Average equity | $5,241,000 | 6,657 |
| Average total loans | $26,566,250 | 6,675 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 7,286 |
| Cost of funding earning assets | 1.2542% | 4,798 |
| Net interest margin | 2.8476% | 7,086 |
| Noninterest income to average assets | 0.0369% | 7,399 |
| Noninterest expense to average assets | 2.9239% | 3,988 |
| Loan and lease loss provision to assets | 1.2491% | 1,117 |
| Net operating income to assets | -1.3711% | 7,112 |
| Return on assets (ROA) | -1.4251% | 7,135 |
| Pretax return on assets | -1.4251% | 7,054 |
| Return on Equity (ROE) | -18.4018% | 7,237 |
| Retained earnings to average equity (ytd only) | -19.5015% | 7,241 |
| Net charge-offs to loans | 1.4339% | 1,333 |
| Credit loss provision to net charge-offs | 223.3503% | 1,742 |
| Earnings coverage of net charge-offs (x) | -0.2183% | 5,881 |
| Efficiency ratio | 104.3566% | 672 |
| Assets per employee ($millions) | 6.2119% | 1,091 |
| Cash dividends to net income (ytd only)* | -5.9761% | 7,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0035% | 378 |
| Loan loss allowance to noncurrent loans | 92.6364% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 2.5741% | 2,818 |
| Noncurrent loans to loans | 4.3217% | 1,718 |
| Net loans and leases to total assets | 39.3342% | 7,207 |
| Net loans and leases to deposits | 54.4211% | 6,833 |
| Net loans and leases to core deposits | 64.0052% | 6,402 |
| Total domestic deposits to total assets | 72.2774% | 7,163 |
| Equity capital to assets | 8.5771% | 6,051 |
| Core capital (leverage) ratio | 6.9762% | 7,207 |
| Tier 1 risk-based capital ratio | 15.4575% | 2,917 |
| Total risk-based capital ratio | 16.7386% | 2,864 |
| Memoranda: | ||
| Average total assets | $70,453,000 | 5,964 |
| Average earning assets | $68,409,330 | 5,815 |
| Average equity | $5,456,000 | 6,629 |
| Average total loans | $27,477,000 | 6,663 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 7,338 |
| Cost of funding earning assets | 1.2779% | 4,947 |
| Net interest margin | 2.8588% | 7,087 |
| Noninterest income to average assets | 0.0322% | 7,547 |
| Noninterest expense to average assets | 2.7285% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0858% | 6,061 |
| Return on assets (ROA) | 0.0858% | 6,166 |
| Pretax return on assets | 0.0858% | 6,174 |
| Return on Equity (ROE) | 1.1594% | 6,079 |
| Retained earnings to average equity (ytd only) | 0.0725% | 5,793 |
| Net charge-offs to loans | 3.0749% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0731% | 4,970 |
| Efficiency ratio | 96.9524% | 972 |
| Assets per employee ($millions) | 6.3797% | 1,058 |
| Cash dividends to net income (ytd only)* | 93.7500% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 2,164 |
| Loan loss allowance to noncurrent loans | 429.2308% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 5,162 |
| Noncurrent loans to loans | 0.4679% | 6,364 |
| Net loans and leases to total assets | 38.7948% | 7,316 |
| Net loans and leases to deposits | 55.4797% | 6,811 |
| Net loans and leases to core deposits | 75.5138% | 5,324 |
| Total domestic deposits to total assets | 69.9260% | 7,411 |
| Equity capital to assets | 7.9599% | 6,701 |
| Core capital (leverage) ratio | 6.9079% | 7,302 |
| Tier 1 risk-based capital ratio | 15.2867% | 2,971 |
| Total risk-based capital ratio | 16.5433% | 2,920 |
| Memoranda: | ||
| Average total assets | $74,620,000 | 5,917 |
| Average earning assets | $72,618,500 | 5,757 |
| Average equity | $5,520,000 | 6,662 |
| Average total loans | $28,489,000 | 6,687 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 7,583 |
| Cost of funding earning assets | 2.3074% | 1,622 |
| Net interest margin | 1.9418% | 7,768 |
| Noninterest income to average assets | 0.0557% | 7,479 |
| Noninterest expense to average assets | 5.5665% | 379 |
| Loan and lease loss provision to assets | 1.4674% | 1,573 |
| Net operating income to assets | -5.0360% | 7,753 |
| Return on assets (ROA) | -5.0016% | 7,744 |
| Pretax return on assets | -5.0605% | 7,716 |
| Return on Equity (ROE) | -63.9319% | 7,776 |
| Retained earnings to average equity (ytd only) | -64.1201% | 7,773 |
| Net charge-offs to loans | 5.7243% | 191 |
| Credit loss provision to net charge-offs | 68.4159% | 6,521 |
| Earnings coverage of net charge-offs (x) | -1.6915% | 6,980 |
| Efficiency ratio | 151.1123% | 308 |
| Assets per employee ($millions) | 7.9063% | 537 |
| Cash dividends to net income (ytd only)* | -0.2944% | 7,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6614% | 1,057 |
| Loan loss allowance to noncurrent loans | 86.6221% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 4,629 |
| Noncurrent loans to loans | 3.0724% | 2,498 |
| Net loans and leases to total assets | 35.9435% | 7,526 |
| Net loans and leases to deposits | 49.8404% | 7,271 |
| Net loans and leases to core deposits | 60.5218% | 7,247 |
| Total domestic deposits to total assets | 72.1172% | 7,231 |
| Equity capital to assets | 6.8983% | 7,414 |
| Core capital (leverage) ratio | 6.1134% | 7,608 |
| Tier 1 risk-based capital ratio | 14.0644% | 3,461 |
| Total risk-based capital ratio | 15.3262% | 3,406 |
| Memoranda: | ||
| Average total assets | $95,069,000 | 5,240 |
| Average earning assets | $92,180,400 | 5,056 |
| Average equity | $7,437,600 | 6,111 |
| Average total loans | $35,619,800 | 6,328 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2568% | 7,691 |
| Cost of funding earning assets | 2.5177% | 1,241 |
| Net interest margin | 1.7392% | 7,906 |
| Noninterest income to average assets | 0.0565% | 7,621 |
| Noninterest expense to average assets | 6.3509% | 268 |
| Loan and lease loss provision to assets | 0.1682% | 5,673 |
| Net operating income to assets | -4.7027% | 7,816 |
| Return on assets (ROA) | -4.6592% | 7,809 |
| Pretax return on assets | -4.7345% | 7,779 |
| Return on Equity (ROE) | -58.1821% | 7,887 |
| Retained earnings to average equity (ytd only) | -58.2999% | 7,885 |
| Net charge-offs to loans | 2.7686% | 640 |
| Credit loss provision to net charge-offs | 16.1708% | 6,594 |
| Earnings coverage of net charge-offs (x) | -4.4321% | 6,843 |
| Efficiency ratio | 171.0750% | 228 |
| Assets per employee ($millions) | 7.8041% | 555 |
| Cash dividends to net income (ytd only)* | -0.2021% | 7,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2415% | 1,360 |
| Loan loss allowance to noncurrent loans | 186.2319% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 6,261 |
| Noncurrent loans to loans | 1.2036% | 4,935 |
| Net loans and leases to total assets | 39.1706% | 7,494 |
| Net loans and leases to deposits | 57.0871% | 7,022 |
| Net loans and leases to core deposits | 81.0636% | 6,265 |
| Total domestic deposits to total assets | 68.6155% | 7,525 |
| Equity capital to assets | 7.7663% | 7,070 |
| Core capital (leverage) ratio | 7.1465% | 7,308 |
| Tier 1 risk-based capital ratio | 15.3827% | 2,874 |
| Total risk-based capital ratio | 16.6397% | 2,815 |
| Memoranda: | ||
| Average total assets | $99,070,500 | 5,149 |
| Average earning assets | $95,906,500 | 4,983 |
| Average equity | $7,933,500 | 6,005 |
| Average total loans | $37,226,000 | 6,279 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 7,807 |
| Cost of funding earning assets | 2.7620% | 875 |
| Net interest margin | 1.4741% | 8,021 |
| Noninterest income to average assets | 0.0599% | 7,689 |
| Noninterest expense to average assets | 7.8161% | 170 |
| Loan and lease loss provision to assets | 0.2416% | 4,651 |
| Net operating income to assets | -6.4657% | 8,021 |
| Return on assets (ROA) | -6.4032% | 8,010 |
| Pretax return on assets | -6.5115% | 7,982 |
| Return on Equity (ROE) | -79.2994% | 8,039 |
| Retained earnings to average equity (ytd only) | -79.4670% | 8,038 |
| Net charge-offs to loans | 3.8775% | 369 |
| Credit loss provision to net charge-offs | 16.8919% | 6,154 |
| Earnings coverage of net charge-offs (x) | -4.4284% | 6,447 |
| Efficiency ratio | 200.3911% | 199 |
| Assets per employee ($millions) | 9.0470% | 344 |
| Cash dividends to net income (ytd only)* | -0.2113% | 7,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2361% | 1,181 |
| Loan loss allowance to noncurrent loans | 139.2734% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 5,822 |
| Noncurrent loans to loans | 1.6056% | 4,088 |
| Net loans and leases to total assets | 38.9024% | 7,604 |
| Net loans and leases to deposits | 44.1582% | 7,697 |
| Net loans and leases to core deposits | 54.2739% | 7,652 |
| Total domestic deposits to total assets | 88.0977% | 1,714 |
| Equity capital to assets | 7.0554% | 7,576 |
| Core capital (leverage) ratio | 6.9093% | 7,595 |
| Tier 1 risk-based capital ratio | 15.0789% | 2,990 |
| Total risk-based capital ratio | 16.3377% | 2,917 |
| Memoranda: | ||
| Average total assets | $103,479,000 | 5,060 |
| Average earning assets | $99,855,000 | 4,896 |
| Average equity | $8,355,670 | 5,895 |
| Average total loans | $38,169,000 | 6,287 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 7,916 |
| Cost of funding earning assets | 2.7445% | 1,128 |
| Net interest margin | 1.4311% | 8,079 |
| Noninterest income to average assets | 0.0655% | 7,741 |
| Noninterest expense to average assets | 2.9641% | 3,918 |
| Loan and lease loss provision to assets | 0.2837% | 3,692 |
| Net operating income to assets | -1.8112% | 7,610 |
| Return on assets (ROA) | -1.8112% | 7,611 |
| Pretax return on assets | -1.8112% | 7,476 |
| Return on Equity (ROE) | -21.3231% | 7,783 |
| Retained earnings to average equity (ytd only) | -21.3231% | 7,685 |
| Net charge-offs to loans | 7.0516% | 119 |
| Credit loss provision to net charge-offs | 11.2717% | 5,182 |
| Earnings coverage of net charge-offs (x) | -0.6069% | 5,285 |
| Efficiency ratio | 189.8734% | 217 |
| Assets per employee ($millions) | 9.9141% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1205% | 1,194 |
| Loan loss allowance to noncurrent loans | 243.5045% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 6,252 |
| Noncurrent loans to loans | 0.8708% | 5,272 |
| Net loans and leases to total assets | 34.1149% | 7,800 |
| Net loans and leases to deposits | 37.9776% | 7,900 |
| Net loans and leases to core deposits | 46.3232% | 7,862 |
| Total domestic deposits to total assets | 89.8290% | 874 |
| Equity capital to assets | 8.7772% | 5,658 |
| Core capital (leverage) ratio | 6.2410% | 7,957 |
| Tier 1 risk-based capital ratio | 14.0297% | 3,572 |
| Total risk-based capital ratio | 15.2860% | 3,490 |
| Memoranda: | ||
| Average total assets | $109,983,500 | 4,908 |
| Average earning assets | $105,372,500 | 4,766 |
| Average equity | $9,342,000 | 5,583 |
| Average total loans | $39,253,500 | 6,263 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3689% | 7,506 |
| Cost of funding earning assets | 3.5721% | 428 |
| Net interest margin | 1.7968% | 8,128 |
| Noninterest income to average assets | 0.4039% | 5,439 |
| Noninterest expense to average assets | 4.4556% | 904 |
| Loan and lease loss provision to assets | 2.9143% | 319 |
| Net operating income to assets | -5.2997% | 8,106 |
| Return on assets (ROA) | -5.2997% | 8,099 |
| Pretax return on assets | -5.2997% | 8,052 |
| Return on Equity (ROE) | -49.5479% | 8,152 |
| Retained earnings to average equity (ytd only) | -49.5479% | 8,134 |
| Net charge-offs to loans | 5.9128% | 61 |
| Credit loss provision to net charge-offs | 162.6896% | 3,176 |
| Earnings coverage of net charge-offs (x) | -1.3316% | 6,642 |
| Efficiency ratio | 107.9615% | 759 |
| Assets per employee ($millions) | 13.8640% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5064% | 276 |
| Loan loss allowance to noncurrent loans | 163.2184% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 4,608 |
| Noncurrent loans to loans | 2.1483% | 2,564 |
| Net loans and leases to total assets | 35.2324% | 7,858 |
| Net loans and leases to deposits | 38.8212% | 7,962 |
| Net loans and leases to core deposits | 47.9143% | 7,929 |
| Total domestic deposits to total assets | 90.7557% | 402 |
| Equity capital to assets | 8.2155% | 6,531 |
| Core capital (leverage) ratio | 6.4820% | 7,941 |
| Tier 1 risk-based capital ratio | 14.5773% | 3,261 |
| Total risk-based capital ratio | 15.8479% | 3,174 |
| Memoranda: | ||
| Average total assets | $110,421,800 | 4,765 |
| Average earning assets | $102,404,600 | 4,730 |
| Average equity | $11,810,800 | 4,884 |
| Average total loans | $33,452,600 | 6,512 |