| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8238% | 799 |
| Cost of funding earning assets | 2.8894% | 175 |
| Net interest margin | 2.9344% | 3,421 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 3.2304% | 800 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | -0.2233% | 4,466 |
| Return on assets (ROA) | -0.2233% | 4,453 |
| Pretax return on assets | -0.3046% | 4,457 |
| Return on Equity (ROE) | -2.6000% | 4,431 |
| Retained earnings to average equity (ytd only) | -2.5993% | 4,302 |
| Net charge-offs to loans | 0.0728% | 1,131 |
| Credit loss provision to net charge-offs | 30.1587% | 2,275 |
| Earnings coverage of net charge-offs (x) | -5.3365% | 4,543 |
| Efficiency ratio | 110.7207% | 105 |
| Assets per employee ($millions) | 9.9371% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6860% | 4,149 |
| Loan loss allowance to noncurrent loans | 2,127.7778% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 3,512 |
| Noncurrent loans to loans | 0.0322% | 3,504 |
| Net loans and leases to total assets | 81.0000% | 532 |
| Net loans and leases to deposits | 99.3860% | 570 |
| Net loans and leases to core deposits | 152.2266% | 193 |
| Total domestic deposits to total assets | 81.5000% | 3,226 |
| Equity capital to assets | 8.9059% | 2,739 |
| Core capital (leverage) ratio | 10.1626% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $537,425,200 | 1,651 |
| Average earning assets | $502,594,400 | 1,629 |
| Average equity | $46,166,400 | 1,705 |
| Average total loans | $432,856,200 | 1,387 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6119% | 898 |
| Cost of funding earning assets | 2.6839% | 199 |
| Net interest margin | 2.9280% | 3,485 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 3.1798% | 843 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | -0.3026% | 4,513 |
| Return on assets (ROA) | -0.3026% | 4,501 |
| Pretax return on assets | -0.4125% | 4,504 |
| Return on Equity (ROE) | -3.5600% | 4,482 |
| Retained earnings to average equity (ytd only) | -3.5613% | 4,384 |
| Net charge-offs to loans | 0.0976% | 799 |
| Credit loss provision to net charge-offs | 168.7500% | 1,235 |
| Earnings coverage of net charge-offs (x) | -3.5789% | 4,578 |
| Efficiency ratio | 109.6625% | 106 |
| Assets per employee ($millions) | 9.0405% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8485% | 3,875 |
| Loan loss allowance to noncurrent loans | 2,362.8049% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,508 |
| Noncurrent loans to loans | 0.0359% | 3,509 |
| Net loans and leases to total assets | 82.1200% | 424 |
| Net loans and leases to deposits | 103.2940% | 375 |
| Net loans and leases to core deposits | 216.3211% | 33 |
| Total domestic deposits to total assets | 79.5000% | 3,603 |
| Equity capital to assets | 7.7560% | 3,206 |
| Core capital (leverage) ratio | 8.7889% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $517,756,750 | 1,692 |
| Average earning assets | $484,366,000 | 1,677 |
| Average equity | $43,990,750 | 1,751 |
| Average total loans | $415,449,250 | 1,431 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4067% | 948 |
| Cost of funding earning assets | 2.4472% | 213 |
| Net interest margin | 2.9595% | 3,545 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 3.0676% | 943 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | -0.2128% | 4,538 |
| Return on assets (ROA) | -0.2128% | 4,523 |
| Pretax return on assets | -0.2894% | 4,529 |
| Return on Equity (ROE) | -2.4300% | 4,504 |
| Retained earnings to average equity (ytd only) | -2.4281% | 4,316 |
| Net charge-offs to loans | 0.1170% | 615 |
| Credit loss provision to net charge-offs | 169.3617% | 1,127 |
| Earnings coverage of net charge-offs (x) | -2.1362% | 4,618 |
| Efficiency ratio | 106.9079% | 111 |
| Assets per employee ($millions) | 9.2586% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9308% | 3,684 |
| Loan loss allowance to noncurrent loans | 2,320.0000% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,458 |
| Noncurrent loans to loans | 0.0401% | 3,442 |
| Net loans and leases to total assets | 80.0100% | 623 |
| Net loans and leases to deposits | 99.7076% | 526 |
| Net loans and leases to core deposits | 192.7380% | 49 |
| Total domestic deposits to total assets | 80.2400% | 3,539 |
| Equity capital to assets | 8.5585% | 2,814 |
| Core capital (leverage) ratio | 9.4638% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $506,519,667 | 1,711 |
| Average earning assets | $474,336,000 | 1,699 |
| Average equity | $44,397,000 | 1,740 |
| Average total loans | $401,694,000 | 1,453 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2998% | 829 |
| Cost of funding earning assets | 2.2617% | 168 |
| Net interest margin | 3.0381% | 3,502 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 3.0239% | 1,025 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | -0.0871% | 4,527 |
| Return on assets (ROA) | -0.0871% | 4,512 |
| Pretax return on assets | -0.1180% | 4,508 |
| Return on Equity (ROE) | -0.9800% | 4,483 |
| Retained earnings to average equity (ytd only) | -0.9820% | 4,125 |
| Net charge-offs to loans | 0.1723% | 418 |
| Credit loss provision to net charge-offs | 170.7602% | 897 |
| Earnings coverage of net charge-offs (x) | -0.1404% | 4,640 |
| Efficiency ratio | 100.6324% | 164 |
| Assets per employee ($millions) | 10.0315% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9474% | 3,724 |
| Loan loss allowance to noncurrent loans | 2,193.1429% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,432 |
| Noncurrent loans to loans | 0.0432% | 3,428 |
| Net loans and leases to total assets | 80.0000% | 544 |
| Net loans and leases to deposits | 100.4144% | 428 |
| Net loans and leases to core deposits | 145.7211% | 144 |
| Total domestic deposits to total assets | 79.6700% | 3,809 |
| Equity capital to assets | 8.9748% | 2,544 |
| Core capital (leverage) ratio | 9.6262% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $505,168,000 | 1,729 |
| Average earning assets | $473,451,000 | 1,718 |
| Average equity | $44,804,500 | 1,743 |
| Average total loans | $396,914,500 | 1,481 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5003% | 719 |
| Cost of funding earning assets | 0.9307% | 222 |
| Net interest margin | 3.5696% | 1,731 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 3.2907% | 631 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.0868% | 4,516 |
| Return on assets (ROA) | 0.0901% | 4,500 |
| Pretax return on assets | 0.1012% | 4,501 |
| Return on Equity (ROE) | 0.9600% | 4,495 |
| Retained earnings to average equity (ytd only) | -0.3060% | 4,388 |
| Net charge-offs to loans | 0.0467% | 1,222 |
| Credit loss provision to net charge-offs | 189.2216% | 1,158 |
| Earnings coverage of net charge-offs (x) | 4.5689% | 2,411 |
| Efficiency ratio | 95.1858% | 211 |
| Assets per employee ($millions) | 9.9757% | 679 |
| Cash dividends to net income (ytd only)* | 131.9613% | 101 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0347% | 3,175 |
| Loan loss allowance to noncurrent loans | 2,663.5762% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,518 |
| Noncurrent loans to loans | 0.0388% | 3,494 |
| Net loans and leases to total assets | 75.6100% | 1,044 |
| Net loans and leases to deposits | 95.1972% | 699 |
| Net loans and leases to core deposits | 136.4093% | 164 |
| Total domestic deposits to total assets | 79.4300% | 3,951 |
| Equity capital to assets | 8.7652% | 2,520 |
| Core capital (leverage) ratio | 10.0803% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $458,437,200 | 1,836 |
| Average earning assets | $438,062,200 | 1,795 |
| Average equity | $43,131,400 | 1,816 |
| Average total loans | $357,696,800 | 1,523 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2931% | 746 |
| Cost of funding earning assets | 0.6135% | 405 |
| Net interest margin | 3.6796% | 1,188 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 3.3316% | 569 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.1344% | 4,524 |
| Return on assets (ROA) | 0.1385% | 4,490 |
| Pretax return on assets | 0.1842% | 4,473 |
| Return on Equity (ROE) | 1.4400% | 4,458 |
| Retained earnings to average equity (ytd only) | 0.1684% | 4,312 |
| Net charge-offs to loans | 0.0274% | 1,277 |
| Credit loss provision to net charge-offs | 265.2778% | 871 |
| Earnings coverage of net charge-offs (x) | 10.9722% | 1,967 |
| Efficiency ratio | 93.3786% | 245 |
| Assets per employee ($millions) | 8.6597% | 1,000 |
| Cash dividends to net income (ytd only)* | 88.3369% | 310 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1108% | 2,965 |
| Loan loss allowance to noncurrent loans | 1,174.1176% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,152 |
| Noncurrent loans to loans | 0.0946% | 3,204 |
| Net loans and leases to total assets | 77.4300% | 757 |
| Net loans and leases to deposits | 96.5418% | 531 |
| Net loans and leases to core deposits | 133.2577% | 131 |
| Total domestic deposits to total assets | 80.2100% | 4,078 |
| Equity capital to assets | 9.0515% | 2,177 |
| Core capital (leverage) ratio | 9.8242% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $445,855,750 | 1,875 |
| Average earning assets | $427,902,750 | 1,838 |
| Average equity | $42,765,750 | 1,856 |
| Average total loans | $349,943,500 | 1,535 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2299% | 594 |
| Cost of funding earning assets | 0.4136% | 841 |
| Net interest margin | 3.8163% | 726 |
| Noninterest income to average assets | 0.0263% | 4,690 |
| Noninterest expense to average assets | 3.3315% | 525 |
| Loan and lease loss provision to assets | 0.0525% | 1,639 |
| Net operating income to assets | 0.2381% | 4,375 |
| Return on assets (ROA) | 0.2442% | 4,330 |
| Pretax return on assets | 0.3162% | 4,277 |
| Return on Equity (ROE) | 2.4969% | 4,294 |
| Retained earnings to average equity (ytd only) | 1.8669% | 3,790 |
| Net charge-offs to loans | -0.0265% | 4,000 |
| Credit loss provision to net charge-offs | -252.1739% | 3,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2221% | 395 |
| Assets per employee ($millions) | 8.1125% | 1,242 |
| Cash dividends to net income (ytd only)* | 25.2319% | 2,264 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2104% | 2,635 |
| Loan loss allowance to noncurrent loans | 1,859.9078% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,496 |
| Noncurrent loans to loans | 0.0651% | 3,472 |
| Net loans and leases to total assets | 75.1933% | 803 |
| Net loans and leases to deposits | 95.4258% | 455 |
| Net loans and leases to core deposits | 113.3254% | 290 |
| Total domestic deposits to total assets | 78.7977% | 4,307 |
| Equity capital to assets | 9.8006% | 1,822 |
| Core capital (leverage) ratio | 10.1124% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $441,486,333 | 1,898 |
| Average earning assets | $424,123,667 | 1,862 |
| Average equity | $43,173,333 | 1,884 |
| Average total loans | $346,799,000 | 1,542 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1030% | 634 |
| Cost of funding earning assets | 0.3890% | 927 |
| Net interest margin | 3.7140% | 733 |
| Noninterest income to average assets | -0.0334% | 4,776 |
| Noninterest expense to average assets | 3.2499% | 566 |
| Loan and lease loss provision to assets | 0.0677% | 1,211 |
| Net operating income to assets | 0.1660% | 4,384 |
| Return on assets (ROA) | 0.1660% | 4,353 |
| Pretax return on assets | 0.2228% | 4,299 |
| Return on Equity (ROE) | 1.6926% | 4,312 |
| Retained earnings to average equity (ytd only) | 0.4416% | 3,931 |
| Net charge-offs to loans | -0.0203% | 3,925 |
| Credit loss provision to net charge-offs | -416.6667% | 3,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7962% | 472 |
| Assets per employee ($millions) | 8.4075% | 1,162 |
| Cash dividends to net income (ytd only)* | 73.9130% | 797 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1190% | 3,245 |
| Loan loss allowance to noncurrent loans | 1,586.8000% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 3,475 |
| Noncurrent loans to loans | 0.0705% | 3,501 |
| Net loans and leases to total assets | 80.1832% | 231 |
| Net loans and leases to deposits | 103.1794% | 127 |
| Net loans and leases to core deposits | 122.4340% | 134 |
| Total domestic deposits to total assets | 77.7124% | 4,425 |
| Equity capital to assets | 9.8477% | 2,007 |
| Core capital (leverage) ratio | 10.0719% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $443,457,500 | 1,900 |
| Average earning assets | $426,707,500 | 1,863 |
| Average equity | $43,482,500 | 1,941 |
| Average total loans | $353,890,000 | 1,511 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0982% | 1,162 |
| Cost of funding earning assets | 0.5413% | 749 |
| Net interest margin | 3.5569% | 1,584 |
| Noninterest income to average assets | 0.2916% | 3,652 |
| Noninterest expense to average assets | 3.0874% | 856 |
| Loan and lease loss provision to assets | 0.1135% | 1,110 |
| Net operating income to assets | 0.4173% | 4,248 |
| Return on assets (ROA) | 0.4167% | 4,288 |
| Pretax return on assets | 0.5087% | 4,245 |
| Return on Equity (ROE) | 4.3289% | 4,147 |
| Retained earnings to average equity (ytd only) | 3.0432% | 3,614 |
| Net charge-offs to loans | 0.0716% | 1,076 |
| Credit loss provision to net charge-offs | 201.6129% | 1,297 |
| Earnings coverage of net charge-offs (x) | 11.0605% | 2,176 |
| Efficiency ratio | 83.2119% | 609 |
| Assets per employee ($millions) | 9.5686% | 772 |
| Cash dividends to net income (ytd only)* | 29.7003% | 2,571 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0966% | 3,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 77.6888% | 399 |
| Net loans and leases to deposits | 101.5583% | 170 |
| Net loans and leases to core deposits | 120.6918% | 159 |
| Total domestic deposits to total assets | 76.4967% | 4,489 |
| Equity capital to assets | 9.7642% | 2,882 |
| Core capital (leverage) ratio | 10.1610% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $440,370,200 | 1,864 |
| Average earning assets | $423,260,600 | 1,831 |
| Average equity | $42,389,600 | 2,000 |
| Average total loans | $346,545,000 | 1,531 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9603% | 1,623 |
| Cost of funding earning assets | 0.5793% | 707 |
| Net interest margin | 3.3810% | 2,208 |
| Noninterest income to average assets | 0.1507% | 4,441 |
| Noninterest expense to average assets | 2.8481% | 1,221 |
| Loan and lease loss provision to assets | 0.0685% | 1,638 |
| Net operating income to assets | 0.3642% | 4,427 |
| Return on assets (ROA) | 0.3634% | 4,458 |
| Pretax return on assets | 0.4806% | 4,393 |
| Return on Equity (ROE) | 3.7896% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.4915% | 4,054 |
| Net charge-offs to loans | 0.0147% | 1,796 |
| Credit loss provision to net charge-offs | 592.1053% | 710 |
| Earnings coverage of net charge-offs (x) | 47.5526% | 1,270 |
| Efficiency ratio | 83.8140% | 529 |
| Assets per employee ($millions) | 9.0734% | 871 |
| Cash dividends to net income (ytd only)* | 34.2546% | 1,885 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0589% | 3,623 |
| Loan loss allowance to noncurrent loans | 190,450.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,303 |
| Noncurrent loans to loans | 0.0006% | 4,233 |
| Net loans and leases to total assets | 81.7196% | 205 |
| Net loans and leases to deposits | 111.0433% | 88 |
| Net loans and leases to core deposits | 129.3296% | 126 |
| Total domestic deposits to total assets | 73.5925% | 4,655 |
| Equity capital to assets | 10.0211% | 2,882 |
| Core capital (leverage) ratio | 10.5018% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $438,031,500 | 1,895 |
| Average earning assets | $420,734,500 | 1,853 |
| Average equity | $42,009,000 | 2,042 |
| Average total loans | $344,866,250 | 1,565 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8700% | 1,901 |
| Cost of funding earning assets | 0.6319% | 631 |
| Net interest margin | 3.2381% | 2,645 |
| Noninterest income to average assets | 0.2151% | 4,119 |
| Noninterest expense to average assets | 2.7762% | 1,407 |
| Loan and lease loss provision to assets | 0.0684% | 1,684 |
| Net operating income to assets | 0.3664% | 4,445 |
| Return on assets (ROA) | 0.3664% | 4,481 |
| Pretax return on assets | 0.4835% | 4,409 |
| Return on Equity (ROE) | 3.8781% | 4,351 |
| Retained earnings to average equity (ytd only) | 2.5661% | 3,977 |
| Net charge-offs to loans | 0.0435% | 1,200 |
| Credit loss provision to net charge-offs | 202.7027% | 1,049 |
| Earnings coverage of net charge-offs (x) | 16.3649% | 1,601 |
| Efficiency ratio | 83.4178% | 588 |
| Assets per employee ($millions) | 9.1878% | 802 |
| Cash dividends to net income (ytd only)* | 33.8308% | 1,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0233% | 3,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 82.8262% | 180 |
| Net loans and leases to deposits | 112.2466% | 88 |
| Net loans and leases to core deposits | 127.5802% | 149 |
| Total domestic deposits to total assets | 73.7895% | 4,662 |
| Equity capital to assets | 10.0091% | 2,841 |
| Core capital (leverage) ratio | 10.2142% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6919% | 2,092 |
| Memoranda: |
| Average total assets | $438,868,333 | 1,885 |
| Average earning assets | $421,912,667 | 1,838 |
| Average equity | $41,464,000 | 2,050 |
| Average total loans | $339,916,667 | 1,594 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8244% | 2,030 |
| Cost of funding earning assets | 0.6705% | 617 |
| Net interest margin | 3.1539% | 2,828 |
| Noninterest income to average assets | 0.1845% | 4,272 |
| Noninterest expense to average assets | 2.6981% | 1,624 |
| Loan and lease loss provision to assets | 0.0678% | 1,800 |
| Net operating income to assets | 0.3427% | 4,461 |
| Return on assets (ROA) | 0.3427% | 4,495 |
| Pretax return on assets | 0.4512% | 4,417 |
| Return on Equity (ROE) | 3.7354% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.3950% | 3,931 |
| Net charge-offs to loans | 0.0644% | 888 |
| Credit loss provision to net charge-offs | 141.5094% | 1,003 |
| Earnings coverage of net charge-offs (x) | 10.8302% | 1,483 |
| Efficiency ratio | 83.8673% | 601 |
| Assets per employee ($millions) | 9.7060% | 651 |
| Cash dividends to net income (ytd only)* | 35.8839% | 1,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0718% | 3,561 |
| Loan loss allowance to noncurrent loans | 4,858.6667% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,257 |
| Noncurrent loans to loans | 0.0221% | 4,176 |
| Net loans and leases to total assets | 75.3341% | 693 |
| Net loans and leases to deposits | 104.2846% | 200 |
| Net loans and leases to core deposits | 118.7007% | 258 |
| Total domestic deposits to total assets | 72.2390% | 4,713 |
| Equity capital to assets | 9.6169% | 3,085 |
| Core capital (leverage) ratio | 10.3743% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3843% | 1,780 |
| Memoranda: |
| Average total assets | $442,389,000 | 1,864 |
| Average earning assets | $425,372,000 | 1,819 |
| Average equity | $40,585,000 | 2,064 |
| Average total loans | $329,193,000 | 1,633 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0617% | 2,542 |
| Cost of funding earning assets | 1.1703% | 310 |
| Net interest margin | 2.8914% | 4,124 |
| Noninterest income to average assets | -0.2116% | 4,990 |
| Noninterest expense to average assets | 3.2326% | 1,000 |
| Loan and lease loss provision to assets | 0.2299% | 1,692 |
| Net operating income to assets | -0.1895% | 4,816 |
| Return on assets (ROA) | -0.1936% | 4,832 |
| Pretax return on assets | -0.8991% | 4,919 |
| Return on Equity (ROE) | -2.1128% | 4,851 |
| Retained earnings to average equity (ytd only) | -2.1128% | 4,713 |
| Net charge-offs to loans | 0.1405% | 1,152 |
| Credit loss provision to net charge-offs | 232.4190% | 2,007 |
| Earnings coverage of net charge-offs (x) | -6.7132% | 3,390 |
| Efficiency ratio | 125.8139% | 64 |
| Assets per employee ($millions) | 7.9691% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1376% | 3,269 |
| Loan loss allowance to noncurrent loans | 4,163.2184% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 4,297 |
| Noncurrent loans to loans | 0.0273% | 4,211 |
| Net loans and leases to total assets | 71.8161% | 1,310 |
| Net loans and leases to deposits | 103.2849% | 273 |
| Net loans and leases to core deposits | 120.0362% | 308 |
| Total domestic deposits to total assets | 69.5320% | 4,784 |
| Equity capital to assets | 8.7230% | 4,275 |
| Core capital (leverage) ratio | 9.6136% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2396% | 2,535 |
| Memoranda: |
| Average total assets | $405,398,400 | 1,846 |
| Average earning assets | $389,815,800 | 1,795 |
| Average equity | $37,154,800 | 2,121 |
| Average total loans | $285,379,800 | 1,742 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0830% | 2,721 |
| Cost of funding earning assets | 1.2916% | 254 |
| Net interest margin | 2.7914% | 4,349 |
| Noninterest income to average assets | -0.0074% | 5,004 |
| Noninterest expense to average assets | 2.9424% | 1,579 |
| Loan and lease loss provision to assets | 0.1921% | 2,068 |
| Net operating income to assets | -0.3523% | 4,873 |
| Return on assets (ROA) | -0.3579% | 4,885 |
| Pretax return on assets | -0.4659% | 4,892 |
| Return on Equity (ROE) | -3.8533% | 4,898 |
| Retained earnings to average equity (ytd only) | -3.8533% | 4,811 |
| Net charge-offs to loans | 0.1958% | 779 |
| Credit loss provision to net charge-offs | 140.5405% | 2,379 |
| Earnings coverage of net charge-offs (x) | -1.9533% | 3,167 |
| Efficiency ratio | 109.9373% | 114 |
| Assets per employee ($millions) | 9.1094% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0744% | 3,335 |
| Loan loss allowance to noncurrent loans | 2,114.2857% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 4,282 |
| Noncurrent loans to loans | 0.0508% | 4,169 |
| Net loans and leases to total assets | 67.1635% | 2,368 |
| Net loans and leases to deposits | 97.9210% | 630 |
| Net loans and leases to core deposits | 113.3567% | 579 |
| Total domestic deposits to total assets | 68.5895% | 4,799 |
| Equity capital to assets | 8.1493% | 4,660 |
| Core capital (leverage) ratio | 9.0391% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2282% | 2,522 |
| Memoranda: |
| Average total assets | $397,172,250 | 1,851 |
| Average earning assets | $381,737,000 | 1,808 |
| Average equity | $36,885,250 | 2,123 |
| Average total loans | $277,126,250 | 1,775 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2361% | 2,649 |
| Cost of funding earning assets | 1.4627% | 178 |
| Net interest margin | 2.7734% | 4,484 |
| Noninterest income to average assets | 0.1716% | 4,435 |
| Noninterest expense to average assets | 3.0424% | 1,480 |
| Loan and lease loss provision to assets | 0.2362% | 1,790 |
| Net operating income to assets | -0.3403% | 4,888 |
| Return on assets (ROA) | -0.3490% | 4,888 |
| Pretax return on assets | -0.4550% | 4,893 |
| Return on Equity (ROE) | -3.5600% | 4,906 |
| Retained earnings to average equity (ytd only) | -5.0161% | 4,768 |
| Net charge-offs to loans | 0.2101% | 741 |
| Credit loss provision to net charge-offs | 159.5745% | 2,079 |
| Earnings coverage of net charge-offs (x) | -1.4043% | 2,955 |
| Efficiency ratio | 107.2949% | 127 |
| Assets per employee ($millions) | 7.8981% | 1,010 |
| Cash dividends to net income (ytd only)* | -40.9023% | 5,033 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0221% | 3,455 |
| Loan loss allowance to noncurrent loans | 344.8677% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 3,405 |
| Noncurrent loans to loans | 0.2964% | 3,322 |
| Net loans and leases to total assets | 76.8445% | 1,017 |
| Net loans and leases to deposits | 99.5351% | 583 |
| Net loans and leases to core deposits | 115.1857% | 560 |
| Total domestic deposits to total assets | 77.2034% | 4,299 |
| Equity capital to assets | 8.8821% | 4,184 |
| Core capital (leverage) ratio | 9.7343% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6027% | 2,771 |
| Memoranda: |
| Average total assets | $381,080,667 | 1,890 |
| Average earning assets | $365,905,000 | 1,836 |
| Average equity | $37,359,667 | 2,106 |
| Average total loans | $268,486,000 | 1,803 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3943% | 2,639 |
| Cost of funding earning assets | 1.7375% | 109 |
| Net interest margin | 2.6569% | 4,706 |
| Noninterest income to average assets | 0.5351% | 2,362 |
| Noninterest expense to average assets | 3.2468% | 1,324 |
| Loan and lease loss provision to assets | 0.3003% | 1,030 |
| Net operating income to assets | -0.3499% | 4,898 |
| Return on assets (ROA) | -0.3680% | 4,875 |
| Pretax return on assets | -0.4849% | 4,884 |
| Return on Equity (ROE) | -3.5661% | 4,891 |
| Retained earnings to average equity (ytd only) | -5.0053% | 4,521 |
| Net charge-offs to loans | 0.4192% | 350 |
| Credit loss provision to net charge-offs | 107.8431% | 1,771 |
| Earnings coverage of net charge-offs (x) | -0.5804% | 2,492 |
| Efficiency ratio | 105.2035% | 180 |
| Assets per employee ($millions) | 6.9674% | 1,107 |
| Cash dividends to net income (ytd only)* | -40.3561% | 5,082 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3475% | 1,925 |
| Loan loss allowance to noncurrent loans | 307.2063% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 3,328 |
| Noncurrent loans to loans | 0.4386% | 2,940 |
| Net loans and leases to total assets | 62.8859% | 3,203 |
| Net loans and leases to deposits | 72.7362% | 3,385 |
| Net loans and leases to core deposits | 86.5889% | 2,635 |
| Total domestic deposits to total assets | 86.4575% | 1,804 |
| Equity capital to assets | 9.9538% | 3,832 |
| Core capital (leverage) ratio | 10.0221% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1490% | 2,637 |
| Memoranda: |
| Average total assets | $366,270,000 | 1,901 |
| Average earning assets | $351,543,500 | 1,845 |
| Average equity | $37,800,000 | 2,079 |
| Average total loans | $243,298,500 | 1,908 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4193% | 3,191 |
| Cost of funding earning assets | 1.7623% | 161 |
| Net interest margin | 2.6570% | 4,864 |
| Noninterest income to average assets | 0.2407% | 4,239 |
| Noninterest expense to average assets | 3.2013% | 1,514 |
| Loan and lease loss provision to assets | 0.5931% | 201 |
| Net operating income to assets | -0.8964% | 5,087 |
| Return on assets (ROA) | 26.0332% | 9 |
| Pretax return on assets | 25.8600% | 11 |
| Return on Equity (ROE) | 233.9625% | 2 |
| Retained earnings to average equity (ytd only) | 46.7213% | 2 |
| Net charge-offs to loans | 0.4279% | 449 |
| Credit loss provision to net charge-offs | 220.6030% | 1,201 |
| Earnings coverage of net charge-offs (x) | -1.7638% | 3,663 |
| Efficiency ratio | 117.3163% | 80 |
| Assets per employee ($millions) | 6.8562% | 1,102 |
| Cash dividends to net income (ytd only)* | 80.0304% | 793 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2091% | 2,386 |
| Loan loss allowance to noncurrent loans | 274.2680% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 2,935 |
| Noncurrent loans to loans | 0.4408% | 2,865 |
| Net loans and leases to total assets | 68.2149% | 2,652 |
| Net loans and leases to deposits | 83.8129% | 2,354 |
| Net loans and leases to core deposits | 99.9905% | 1,563 |
| Total domestic deposits to total assets | 81.3894% | 3,679 |
| Equity capital to assets | 10.6789% | 3,273 |
| Core capital (leverage) ratio | 10.4163% | 3,052 |
| Tier 1 risk-based capital ratio | 11.8204% | 4,464 |
| Total risk-based capital ratio | 12.7586% | 4,503 |
| Memoranda: |
| Average total assets | $444,071,800 | 1,581 |
| Average earning assets | $415,544,800 | 1,566 |
| Average equity | $49,412,200 | 1,617 |
| Average total loans | $279,067,800 | 1,690 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4199% | 3,287 |
| Cost of funding earning assets | 1.7573% | 166 |
| Net interest margin | 2.6626% | 4,966 |
| Noninterest income to average assets | 0.5027% | 2,718 |
| Noninterest expense to average assets | 2.9247% | 2,181 |
| Loan and lease loss provision to assets | 0.5261% | 226 |
| Net operating income to assets | 0.1466% | 4,986 |
| Return on assets (ROA) | 33.6828% | 8 |
| Pretax return on assets | 33.0651% | 9 |
| Return on Equity (ROE) | 300.2900% | 2 |
| Retained earnings to average equity (ytd only) | 62.8705% | 1 |
| Net charge-offs to loans | 0.5770% | 281 |
| Credit loss provision to net charge-offs | 148.0130% | 1,655 |
| Earnings coverage of net charge-offs (x) | 0.1630% | 3,373 |
| Efficiency ratio | 98.0284% | 170 |
| Assets per employee ($millions) | 7.7051% | 769 |
| Cash dividends to net income (ytd only)* | 79.0634% | 691 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8820% | 4,120 |
| Loan loss allowance to noncurrent loans | 179.2966% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 2,937 |
| Noncurrent loans to loans | 0.4919% | 2,821 |
| Net loans and leases to total assets | 64.1476% | 3,271 |
| Net loans and leases to deposits | 79.1336% | 2,995 |
| Net loans and leases to core deposits | 95.1952% | 2,066 |
| Total domestic deposits to total assets | 81.0624% | 3,737 |
| Equity capital to assets | 10.9113% | 3,181 |
| Core capital (leverage) ratio | 10.9445% | 2,698 |
| Tier 1 risk-based capital ratio | 12.4037% | 4,197 |
| Total risk-based capital ratio | 13.0688% | 4,395 |
| Memoranda: |
| Average total assets | $462,530,750 | 1,525 |
| Average earning assets | $430,800,250 | 1,515 |
| Average equity | $51,881,000 | 1,547 |
| Average total loans | $284,923,000 | 1,682 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4289% | 3,252 |
| Cost of funding earning assets | 1.7805% | 137 |
| Net interest margin | 2.6483% | 5,042 |
| Noninterest income to average assets | 0.7926% | 1,373 |
| Noninterest expense to average assets | 2.9540% | 2,125 |
| Loan and lease loss provision to assets | 0.5353% | 210 |
| Net operating income to assets | 0.5458% | 4,433 |
| Return on assets (ROA) | 48.3400% | 2 |
| Pretax return on assets | 47.5474% | 5 |
| Return on Equity (ROE) | 427.8208% | 2 |
| Retained earnings to average equity (ytd only) | 91.6543% | 1 |
| Net charge-offs to loans | 0.6404% | 239 |
| Credit loss provision to net charge-offs | 137.5661% | 1,592 |
| Earnings coverage of net charge-offs (x) | 0.7397% | 3,076 |
| Efficiency ratio | 91.0962% | 313 |
| Assets per employee ($millions) | 7.5755% | 781 |
| Cash dividends to net income (ytd only)* | 78.5765% | 858 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7651% | 4,564 |
| Loan loss allowance to noncurrent loans | 168.0067% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 2,994 |
| Noncurrent loans to loans | 0.4554% | 2,912 |
| Net loans and leases to total assets | 66.0506% | 3,099 |
| Net loans and leases to deposits | 75.7379% | 3,356 |
| Net loans and leases to core deposits | 90.7449% | 2,534 |
| Total domestic deposits to total assets | 87.2095% | 1,494 |
| Equity capital to assets | 11.0958% | 2,951 |
| Core capital (leverage) ratio | 8.5998% | 4,910 |
| Tier 1 risk-based capital ratio | 11.8591% | 4,497 |
| Total risk-based capital ratio | 12.4365% | 4,730 |
| Memoranda: |
| Average total assets | $485,721,670 | 1,471 |
| Average earning assets | $449,190,330 | 1,472 |
| Average equity | $54,882,330 | 1,458 |
| Average total loans | $295,125,330 | 1,640 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0953% | 4,135 |
| Cost of funding earning assets | 1.8498% | 87 |
| Net interest margin | 2.2455% | 5,264 |
| Noninterest income to average assets | 0.8442% | 1,178 |
| Noninterest expense to average assets | 2.7471% | 2,753 |
| Loan and lease loss provision to assets | 0.7524% | 135 |
| Net operating income to assets | -0.1464% | 5,194 |
| Return on assets (ROA) | -1.8743% | 5,316 |
| Pretax return on assets | -2.3280% | 5,319 |
| Return on Equity (ROE) | -16.4779% | 5,326 |
| Retained earnings to average equity (ytd only) | -16.4779% | 5,224 |
| Net charge-offs to loans | 0.4326% | 350 |
| Credit loss provision to net charge-offs | 296.7359% | 840 |
| Earnings coverage of net charge-offs (x) | 0.5964% | 2,658 |
| Efficiency ratio | 94.7560% | 255 |
| Assets per employee ($millions) | 2.5607% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9717% | 3,864 |
| Loan loss allowance to noncurrent loans | 225.0973% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 3,486 |
| Noncurrent loans to loans | 0.4317% | 3,034 |
| Net loans and leases to total assets | 49.7793% | 4,484 |
| Net loans and leases to deposits | 57.6273% | 4,524 |
| Net loans and leases to core deposits | 75.7541% | 3,676 |
| Total domestic deposits to total assets | 86.3814% | 2,116 |
| Equity capital to assets | 12.4398% | 1,773 |
| Core capital (leverage) ratio | 9.1981% | 4,475 |
| Tier 1 risk-based capital ratio | 14.4213% | 3,135 |
| Total risk-based capital ratio | 15.0828% | 3,347 |
| Memoranda: |
| Average total assets | $531,620,000 | 1,361 |
| Average earning assets | $486,312,000 | 1,375 |
| Average equity | $60,469,000 | 1,366 |
| Average total loans | $311,590,000 | 1,583 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6000% | 2,129 |
| Cost of funding earning assets | 1.5927% | 60 |
| Net interest margin | 3.0073% | 4,791 |
| Noninterest income to average assets | 3.5321% | 121 |
| Noninterest expense to average assets | 8.9428% | 77 |
| Loan and lease loss provision to assets | 0.0211% | 3,738 |
| Net operating income to assets | -1.8909% | 5,374 |
| Return on assets (ROA) | -1.9071% | 5,372 |
| Pretax return on assets | -2.6675% | 5,381 |
| Return on Equity (ROE) | -17.3419% | 5,375 |
| Retained earnings to average equity (ytd only) | -17.3419% | 5,365 |
| Net charge-offs to loans | 0.1216% | 1,518 |
| Credit loss provision to net charge-offs | 24.5872% | 3,382 |
| Earnings coverage of net charge-offs (x) | -30.6110% | 3,769 |
| Efficiency ratio | 141.5604% | 34 |
| Assets per employee ($millions) | 3.2214% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4072% | 5,206 |
| Loan loss allowance to noncurrent loans | 144.3831% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 3,666 |
| Noncurrent loans to loans | 0.2820% | 3,556 |
| Net loans and leases to total assets | 65.0502% | 3,249 |
| Net loans and leases to deposits | 77.4314% | 3,236 |
| Net loans and leases to core deposits | 113.4981% | 801 |
| Total domestic deposits to total assets | 84.0100% | 2,994 |
| Equity capital to assets | 10.5184% | 3,162 |
| Core capital (leverage) ratio | 8.5528% | 4,993 |
| Tier 1 risk-based capital ratio | 10.1612% | 5,263 |
| Total risk-based capital ratio | 10.4576% | 5,374 |
| Memoranda: |
| Average total assets | $635,318,200 | 1,152 |
| Average earning assets | $588,304,400 | 1,140 |
| Average equity | $69,865,600 | 1,161 |
| Average total loans | $448,115,200 | 1,147 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4679% | 2,405 |
| Cost of funding earning assets | 1.5070% | 64 |
| Net interest margin | 2.9609% | 4,905 |
| Noninterest income to average assets | 4.1543% | 114 |
| Noninterest expense to average assets | 8.8703% | 77 |
| Loan and lease loss provision to assets | 0.0171% | 3,671 |
| Net operating income to assets | -1.4195% | 5,431 |
| Return on assets (ROA) | -1.4131% | 5,427 |
| Pretax return on assets | -1.9786% | 5,444 |
| Return on Equity (ROE) | -12.7242% | 5,434 |
| Retained earnings to average equity (ytd only) | -12.7242% | 5,413 |
| Net charge-offs to loans | 0.1610% | 1,027 |
| Credit loss provision to net charge-offs | 14.8214% | 3,039 |
| Earnings coverage of net charge-offs (x) | -17.0607% | 3,473 |
| Efficiency ratio | 128.5317% | 42 |
| Assets per employee ($millions) | 3.3485% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3542% | 5,328 |
| Loan loss allowance to noncurrent loans | 558.3643% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 4,520 |
| Noncurrent loans to loans | 0.0634% | 4,602 |
| Net loans and leases to total assets | 67.8403% | 2,970 |
| Net loans and leases to deposits | 81.9775% | 2,820 |
| Net loans and leases to core deposits | 122.7617% | 497 |
| Total domestic deposits to total assets | 82.7548% | 3,388 |
| Equity capital to assets | 10.7568% | 2,890 |
| Core capital (leverage) ratio | 8.9821% | 4,725 |
| Tier 1 risk-based capital ratio | 9.9925% | 5,380 |
| Total risk-based capital ratio | 10.2592% | 5,452 |
| Memoranda: |
| Average total assets | $646,768,000 | 1,122 |
| Average earning assets | $599,940,500 | 1,114 |
| Average equity | $71,830,000 | 1,135 |
| Average total loans | $463,881,250 | 1,123 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2549% | 2,925 |
| Cost of funding earning assets | 1.5246% | 48 |
| Net interest margin | 2.7304% | 5,189 |
| Noninterest income to average assets | 4.7612% | 101 |
| Noninterest expense to average assets | 8.5535% | 82 |
| Loan and lease loss provision to assets | 0.0834% | 2,247 |
| Net operating income to assets | -1.0132% | 5,477 |
| Return on assets (ROA) | -1.0037% | 5,470 |
| Pretax return on assets | -1.3205% | 5,481 |
| Return on Equity (ROE) | -8.9486% | 5,465 |
| Retained earnings to average equity (ytd only) | -8.9486% | 5,398 |
| Net charge-offs to loans | 0.0331% | 2,190 |
| Credit loss provision to net charge-offs | 345.5696% | 911 |
| Earnings coverage of net charge-offs (x) | -51.7595% | 3,199 |
| Efficiency ratio | 117.0911% | 70 |
| Assets per employee ($millions) | 3.0690% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4870% | 5,274 |
| Loan loss allowance to noncurrent loans | 694.2492% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 4,449 |
| Noncurrent loans to loans | 0.0701% | 4,606 |
| Net loans and leases to total assets | 71.9871% | 2,276 |
| Net loans and leases to deposits | 86.2026% | 2,288 |
| Net loans and leases to core deposits | 124.2315% | 453 |
| Total domestic deposits to total assets | 83.5092% | 3,247 |
| Equity capital to assets | 11.5207% | 2,185 |
| Core capital (leverage) ratio | 9.4094% | 4,233 |
| Tier 1 risk-based capital ratio | 10.7682% | 5,162 |
| Total risk-based capital ratio | 11.1413% | 5,399 |
| Memoranda: |
| Average total assets | $654,749,670 | 1,116 |
| Average earning assets | $609,883,330 | 1,101 |
| Average equity | $73,441,330 | 1,110 |
| Average total loans | $477,166,000 | 1,092 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1166% | 3,184 |
| Cost of funding earning assets | 1.5600% | 32 |
| Net interest margin | 2.5566% | 5,350 |
| Noninterest income to average assets | 4.9043% | 99 |
| Noninterest expense to average assets | 7.4853% | 101 |
| Loan and lease loss provision to assets | 0.0321% | 3,078 |
| Net operating income to assets | -0.1525% | 5,437 |
| Return on assets (ROA) | -0.1342% | 5,424 |
| Pretax return on assets | -0.1953% | 5,438 |
| Return on Equity (ROE) | -1.2113% | 5,426 |
| Retained earnings to average equity (ytd only) | -1.2113% | 4,933 |
| Net charge-offs to loans | -0.0016% | 3,790 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5462% | 152 |
| Assets per employee ($millions) | 3.4299% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3989% | 5,428 |
| Loan loss allowance to noncurrent loans | 481.0875% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 4,779 |
| Noncurrent loans to loans | 0.0829% | 4,612 |
| Net loans and leases to total assets | 74.8181% | 1,739 |
| Net loans and leases to deposits | 93.9764% | 1,225 |
| Net loans and leases to core deposits | 132.6268% | 295 |
| Total domestic deposits to total assets | 79.6137% | 4,476 |
| Equity capital to assets | 10.9332% | 2,647 |
| Core capital (leverage) ratio | 10.5691% | 2,869 |
| Tier 1 risk-based capital ratio | 11.1887% | 5,034 |
| Total risk-based capital ratio | 11.5229% | 5,348 |
| Memoranda: |
| Average total assets | $673,692,000 | 1,102 |
| Average earning assets | $631,006,000 | 1,090 |
| Average equity | $74,628,500 | 1,102 |
| Average total loans | $492,631,000 | 1,069 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7647% | 4,169 |
| Cost of funding earning assets | 1.0941% | 133 |
| Net interest margin | 2.6706% | 5,302 |
| Noninterest income to average assets | 5.4064% | 99 |
| Noninterest expense to average assets | 7.8795% | 94 |
| Loan and lease loss provision to assets | 0.2085% | 959 |
| Net operating income to assets | -0.4426% | 5,519 |
| Return on assets (ROA) | -0.4426% | 5,517 |
| Pretax return on assets | -0.1787% | 5,492 |
| Return on Equity (ROE) | -4.2464% | 5,527 |
| Retained earnings to average equity (ytd only) | -5.1207% | 5,433 |
| Net charge-offs to loans | 0.2563% | 1,022 |
| Credit loss provision to net charge-offs | 116.5421% | 2,241 |
| Earnings coverage of net charge-offs (x) | 0.1664% | 4,009 |
| Efficiency ratio | 99.5455% | 177 |
| Assets per employee ($millions) | 3.2930% | 4,942 |
| Cash dividends to net income (ytd only)* | -20.5893% | 5,625 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4785% | 5,409 |
| Loan loss allowance to noncurrent loans | 543.9560% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,822 |
| Noncurrent loans to loans | 0.0880% | 4,610 |
| Net loans and leases to total assets | 67.9720% | 2,820 |
| Net loans and leases to deposits | 78.6499% | 3,046 |
| Net loans and leases to core deposits | 106.2896% | 1,248 |
| Total domestic deposits to total assets | 86.4236% | 2,264 |
| Equity capital to assets | 12.1074% | 1,759 |
| Core capital (leverage) ratio | 9.9604% | 3,507 |
| Tier 1 risk-based capital ratio | 12.2599% | 4,361 |
| Total risk-based capital ratio | 12.6407% | 4,801 |
| Memoranda: |
| Average total assets | $598,048,600 | 1,198 |
| Average earning assets | $560,464,400 | 1,186 |
| Average equity | $62,335,800 | 1,270 |
| Average total loans | $417,534,800 | 1,195 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6648% | 4,413 |
| Cost of funding earning assets | 1.0722% | 129 |
| Net interest margin | 2.5926% | 5,410 |
| Noninterest income to average assets | 4.9102% | 114 |
| Noninterest expense to average assets | 7.7321% | 100 |
| Loan and lease loss provision to assets | 0.2308% | 788 |
| Net operating income to assets | -0.3834% | 5,614 |
| Return on assets (ROA) | -0.3834% | 5,614 |
| Pretax return on assets | -0.6182% | 5,633 |
| Return on Equity (ROE) | -3.8357% | 5,621 |
| Retained earnings to average equity (ytd only) | -4.7465% | 5,536 |
| Net charge-offs to loans | 0.2966% | 712 |
| Credit loss provision to net charge-offs | 110.8485% | 2,134 |
| Earnings coverage of net charge-offs (x) | -1.8604% | 3,731 |
| Efficiency ratio | 105.2534% | 123 |
| Assets per employee ($millions) | 3.9477% | 4,076 |
| Cash dividends to net income (ytd only)* | -23.7454% | 5,718 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3804% | 5,571 |
| Loan loss allowance to noncurrent loans | 47,575.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,283 |
| Noncurrent loans to loans | 0.0008% | 5,169 |
| Net loans and leases to total assets | 75.5932% | 1,662 |
| Net loans and leases to deposits | 93.1605% | 1,405 |
| Net loans and leases to core deposits | 130.4334% | 336 |
| Total domestic deposits to total assets | 81.1430% | 4,010 |
| Equity capital to assets | 10.6963% | 3,165 |
| Core capital (leverage) ratio | 10.6911% | 2,777 |
| Tier 1 risk-based capital ratio | 11.9694% | 4,646 |
| Total risk-based capital ratio | 12.3297% | 5,090 |
| Memoranda: |
| Average total assets | $596,081,500 | 1,206 |
| Average earning assets | $559,731,250 | 1,194 |
| Average equity | $59,579,500 | 1,329 |
| Average total loans | $418,460,000 | 1,198 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6802% | 4,285 |
| Cost of funding earning assets | 1.0303% | 144 |
| Net interest margin | 2.6499% | 5,405 |
| Noninterest income to average assets | 4.3818% | 128 |
| Noninterest expense to average assets | 7.9545% | 95 |
| Loan and lease loss provision to assets | 0.0870% | 2,243 |
| Net operating income to assets | -0.7148% | 5,701 |
| Return on assets (ROA) | -0.7148% | 5,699 |
| Pretax return on assets | -1.1728% | 5,724 |
| Return on Equity (ROE) | -7.3480% | 5,701 |
| Retained earnings to average equity (ytd only) | -8.3206% | 5,620 |
| Net charge-offs to loans | 0.0286% | 2,639 |
| Credit loss provision to net charge-offs | 446.4286% | 722 |
| Earnings coverage of net charge-offs (x) | -55.7500% | 3,506 |
| Efficiency ratio | 115.7889% | 78 |
| Assets per employee ($millions) | 3.2485% | 5,035 |
| Cash dividends to net income (ytd only)* | -13.2360% | 5,765 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5206% | 5,490 |
| Loan loss allowance to noncurrent loans | 248.5679% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 4,588 |
| Noncurrent loans to loans | 0.2095% | 4,283 |
| Net loans and leases to total assets | 69.4683% | 2,600 |
| Net loans and leases to deposits | 78.0914% | 3,112 |
| Net loans and leases to core deposits | 94.4210% | 2,117 |
| Total domestic deposits to total assets | 88.9577% | 975 |
| Equity capital to assets | 9.9710% | 3,945 |
| Core capital (leverage) ratio | 8.3632% | 5,312 |
| Tier 1 risk-based capital ratio | 11.4128% | 5,011 |
| Total risk-based capital ratio | 11.8930% | 5,330 |
| Memoranda: |
| Average total assets | $575,020,000 | 1,258 |
| Average earning assets | $539,647,670 | 1,235 |
| Average equity | $55,933,670 | 1,416 |
| Average total loans | $391,192,330 | 1,266 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6112% | 4,389 |
| Cost of funding earning assets | 1.0603% | 119 |
| Net interest margin | 2.5509% | 5,506 |
| Noninterest income to average assets | 4.0671% | 143 |
| Noninterest expense to average assets | 7.0526% | 128 |
| Loan and lease loss provision to assets | 0.1061% | 1,801 |
| Net operating income to assets | -0.4251% | 5,726 |
| Return on assets (ROA) | -0.4251% | 5,723 |
| Pretax return on assets | -0.6959% | 5,754 |
| Return on Equity (ROE) | -4.4224% | 5,730 |
| Retained earnings to average equity (ytd only) | -5.3918% | 5,410 |
| Net charge-offs to loans | 0.0597% | 1,737 |
| Credit loss provision to net charge-offs | 264.4068% | 856 |
| Earnings coverage of net charge-offs (x) | -14.6949% | 2,922 |
| Efficiency ratio | 109.0833% | 135 |
| Assets per employee ($millions) | 3.9509% | 4,095 |
| Cash dividends to net income (ytd only)* | -21.9200% | 5,837 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4563% | 5,637 |
| Loan loss allowance to noncurrent loans | 236.7830% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 4,692 |
| Noncurrent loans to loans | 0.1927% | 4,433 |
| Net loans and leases to total assets | 73.8472% | 1,771 |
| Net loans and leases to deposits | 83.0593% | 2,386 |
| Net loans and leases to core deposits | 96.2871% | 1,800 |
| Total domestic deposits to total assets | 88.9091% | 1,190 |
| Equity capital to assets | 10.0138% | 3,742 |
| Core capital (leverage) ratio | 8.2281% | 5,424 |
| Tier 1 risk-based capital ratio | 11.1865% | 5,212 |
| Total risk-based capital ratio | 11.6275% | 5,521 |
| Memoranda: |
| Average total assets | $588,035,000 | 1,224 |
| Average earning assets | $552,285,000 | 1,206 |
| Average equity | $56,530,500 | 1,388 |
| Average total loans | $395,103,500 | 1,254 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3983% | 4,984 |
| Cost of funding earning assets | 0.9831% | 187 |
| Net interest margin | 2.4152% | 5,637 |
| Noninterest income to average assets | 3.4924% | 166 |
| Noninterest expense to average assets | 4.9236% | 268 |
| Loan and lease loss provision to assets | 0.0474% | 3,440 |
| Net operating income to assets | 0.4867% | 4,682 |
| Return on assets (ROA) | 0.4867% | 4,763 |
| Pretax return on assets | 0.7985% | 4,189 |
| Return on Equity (ROE) | 5.2785% | 4,288 |
| Retained earnings to average equity (ytd only) | 4.2935% | 2,847 |
| Net charge-offs to loans | 0.0283% | 3,458 |
| Credit loss provision to net charge-offs | 243.5897% | 1,191 |
| Earnings coverage of net charge-offs (x) | 43.4701% | 1,111 |
| Efficiency ratio | 85.1851% | 887 |
| Assets per employee ($millions) | 5.9139% | 1,537 |
| Cash dividends to net income (ytd only)* | 18.6603% | 3,776 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4818% | 5,673 |
| Loan loss allowance to noncurrent loans | 1,354.8872% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,301 |
| Noncurrent loans to loans | 0.0356% | 5,116 |
| Net loans and leases to total assets | 60.5166% | 3,793 |
| Net loans and leases to deposits | 70.8099% | 3,825 |
| Net loans and leases to core deposits | 84.7181% | 2,953 |
| Total domestic deposits to total assets | 85.4635% | 2,850 |
| Equity capital to assets | 9.2483% | 4,518 |
| Core capital (leverage) ratio | 8.5393% | 5,220 |
| Tier 1 risk-based capital ratio | 13.5253% | 3,756 |
| Total risk-based capital ratio | 14.0015% | 4,126 |
| Memoranda: |
| Average total assets | $601,227,600 | 1,165 |
| Average earning assets | $566,879,200 | 1,143 |
| Average equity | $55,432,800 | 1,385 |
| Average total loans | $412,998,600 | 1,172 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5256% | 4,740 |
| Cost of funding earning assets | 0.9708% | 201 |
| Net interest margin | 2.5549% | 5,623 |
| Noninterest income to average assets | 2.6003% | 245 |
| Noninterest expense to average assets | 4.3143% | 439 |
| Loan and lease loss provision to assets | 0.0718% | 2,777 |
| Net operating income to assets | 0.3823% | 5,081 |
| Return on assets (ROA) | 0.3823% | 5,167 |
| Pretax return on assets | 0.6275% | 4,807 |
| Return on Equity (ROE) | 4.1538% | 4,850 |
| Retained earnings to average equity (ytd only) | 3.1626% | 4,019 |
| Net charge-offs to loans | 0.0442% | 2,760 |
| Credit loss provision to net charge-offs | 230.0000% | 1,282 |
| Earnings coverage of net charge-offs (x) | 22.3931% | 1,761 |
| Efficiency ratio | 85.9939% | 819 |
| Assets per employee ($millions) | 6.3730% | 1,194 |
| Cash dividends to net income (ytd only)* | 23.8623% | 3,072 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4155% | 5,792 |
| Loan loss allowance to noncurrent loans | 2,710.4478% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 5,481 |
| Noncurrent loans to loans | 0.0153% | 5,337 |
| Net loans and leases to total assets | 72.6526% | 2,075 |
| Net loans and leases to deposits | 83.7624% | 2,512 |
| Net loans and leases to core deposits | 100.1878% | 1,617 |
| Total domestic deposits to total assets | 86.7365% | 2,010 |
| Equity capital to assets | 9.3110% | 4,853 |
| Core capital (leverage) ratio | 8.7772% | 5,078 |
| Tier 1 risk-based capital ratio | 11.8937% | 4,854 |
| Total risk-based capital ratio | 12.3168% | 5,241 |
| Memoranda: |
| Average total assets | $597,719,000 | 1,171 |
| Average earning assets | $564,610,000 | 1,146 |
| Average equity | $55,016,000 | 1,403 |
| Average total loans | $422,692,250 | 1,154 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3856% | 5,114 |
| Cost of funding earning assets | 0.9618% | 206 |
| Net interest margin | 2.4238% | 5,793 |
| Noninterest income to average assets | 2.1588% | 313 |
| Noninterest expense to average assets | 3.7651% | 808 |
| Loan and lease loss provision to assets | 0.0579% | 2,980 |
| Net operating income to assets | 0.3804% | 5,090 |
| Return on assets (ROA) | 0.3804% | 5,174 |
| Pretax return on assets | 0.6252% | 4,829 |
| Return on Equity (ROE) | 4.1489% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.1518% | 3,895 |
| Net charge-offs to loans | -0.0005% | 4,302 |
| Credit loss provision to net charge-offs | -17,300.0000% | 5,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5830% | 1,000 |
| Assets per employee ($millions) | 6.8518% | 928 |
| Cash dividends to net income (ytd only)* | 24.0317% | 3,062 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4777% | 5,820 |
| Loan loss allowance to noncurrent loans | 869.2308% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 5,447 |
| Noncurrent loans to loans | 0.0550% | 5,238 |
| Net loans and leases to total assets | 62.4690% | 3,566 |
| Net loans and leases to deposits | 72.2256% | 3,764 |
| Net loans and leases to core deposits | 85.7732% | 2,925 |
| Total domestic deposits to total assets | 86.4914% | 2,175 |
| Equity capital to assets | 9.1814% | 5,086 |
| Core capital (leverage) ratio | 8.4336% | 5,417 |
| Tier 1 risk-based capital ratio | 14.1589% | 3,521 |
| Total risk-based capital ratio | 14.6667% | 3,869 |
| Memoranda: |
| Average total assets | $597,270,000 | 1,181 |
| Average earning assets | $564,147,670 | 1,152 |
| Average equity | $54,761,670 | 1,412 |
| Average total loans | $417,905,330 | 1,163 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4024% | 5,121 |
| Cost of funding earning assets | 0.9488% | 226 |
| Net interest margin | 2.4536% | 5,841 |
| Noninterest income to average assets | 1.8216% | 388 |
| Noninterest expense to average assets | 3.6667% | 937 |
| Loan and lease loss provision to assets | 0.0269% | 3,311 |
| Net operating income to assets | 0.2705% | 5,380 |
| Return on assets (ROA) | 0.2705% | 5,452 |
| Pretax return on assets | 0.4475% | 5,214 |
| Return on Equity (ROE) | 2.9525% | 5,256 |
| Retained earnings to average equity (ytd only) | 1.9463% | 4,476 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4628% | 779 |
| Assets per employee ($millions) | 7.5502% | 685 |
| Cash dividends to net income (ytd only)* | 34.0796% | 2,263 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3766% | 5,965 |
| Loan loss allowance to noncurrent loans | 797.1429% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 5,499 |
| Noncurrent loans to loans | 0.0472% | 5,297 |
| Net loans and leases to total assets | 73.3236% | 1,829 |
| Net loans and leases to deposits | 84.1678% | 2,284 |
| Net loans and leases to core deposits | 99.3504% | 1,533 |
| Total domestic deposits to total assets | 87.1160% | 2,146 |
| Equity capital to assets | 9.0458% | 5,125 |
| Core capital (leverage) ratio | 8.6376% | 5,253 |
| Tier 1 risk-based capital ratio | 12.0038% | 4,916 |
| Total risk-based capital ratio | 12.4026% | 5,332 |
| Memoranda: |
| Average total assets | $594,426,500 | 1,190 |
| Average earning assets | $561,949,500 | 1,155 |
| Average equity | $54,462,500 | 1,418 |
| Average total loans | $437,623,500 | 1,110 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4041% | 1,888 |
| Cost of funding earning assets | 0.9510% | 219 |
| Net interest margin | 3.4531% | 3,707 |
| Noninterest income to average assets | -0.6884% | 6,176 |
| Noninterest expense to average assets | 2.4315% | 4,432 |
| Loan and lease loss provision to assets | -0.1213% | 5,884 |
| Net operating income to assets | 0.1200% | 5,728 |
| Return on assets (ROA) | 0.1468% | 5,736 |
| Pretax return on assets | 0.3358% | 5,446 |
| Return on Equity (ROE) | 1.7458% | 5,637 |
| Retained earnings to average equity (ytd only) | 0.9848% | 5,124 |
| Net charge-offs to loans | 0.0498% | 3,208 |
| Credit loss provision to net charge-offs | -308.2609% | 5,350 |
| Earnings coverage of net charge-offs (x) | 4.3826% | 3,566 |
| Efficiency ratio | 93.1186% | 522 |
| Assets per employee ($millions) | 7.7313% | 629 |
| Cash dividends to net income (ytd only)* | 43.5897% | 2,666 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3789% | 6,011 |
| Loan loss allowance to noncurrent loans | 770.7547% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 5,534 |
| Noncurrent loans to loans | 0.0492% | 5,319 |
| Net loans and leases to total assets | 73.1156% | 1,869 |
| Net loans and leases to deposits | 83.0961% | 2,464 |
| Net loans and leases to core deposits | 92.9645% | 2,136 |
| Total domestic deposits to total assets | 87.9892% | 1,641 |
| Equity capital to assets | 9.2611% | 4,832 |
| Core capital (leverage) ratio | 6.4325% | 6,098 |
| Tier 1 risk-based capital ratio | 12.3777% | 4,714 |
| Total risk-based capital ratio | 12.7685% | 5,150 |
| Memoranda: |
| Average total assets | $584,281,800 | 1,167 |
| Average earning assets | $557,096,400 | 1,132 |
| Average equity | $49,145,800 | 1,520 |
| Average total loans | $461,473,800 | 999 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2240% | 2,505 |
| Cost of funding earning assets | 0.8960% | 300 |
| Net interest margin | 3.3281% | 4,225 |
| Noninterest income to average assets | 0.1570% | 5,704 |
| Noninterest expense to average assets | 3.4150% | 1,448 |
| Loan and lease loss provision to assets | -0.1965% | 6,093 |
| Net operating income to assets | 0.0725% | 5,877 |
| Return on assets (ROA) | 0.1522% | 5,822 |
| Pretax return on assets | 0.2495% | 5,720 |
| Return on Equity (ROE) | 1.8566% | 5,694 |
| Retained earnings to average equity (ytd only) | 1.1987% | 5,240 |
| Net charge-offs to loans | 0.0480% | 2,931 |
| Credit loss provision to net charge-offs | -508.8757% | 5,368 |
| Earnings coverage of net charge-offs (x) | -1.8520% | 4,075 |
| Efficiency ratio | 101.9958% | 260 |
| Assets per employee ($millions) | 10.3064% | 243 |
| Cash dividends to net income (ytd only)* | 35.4355% | 2,544 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3168% | 6,139 |
| Loan loss allowance to noncurrent loans | 2,304.4776% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 5,528 |
| Noncurrent loans to loans | 0.0137% | 5,583 |
| Net loans and leases to total assets | 69.3180% | 2,484 |
| Net loans and leases to deposits | 77.1161% | 3,183 |
| Net loans and leases to core deposits | 110.5150% | 852 |
| Total domestic deposits to total assets | 89.8879% | 620 |
| Equity capital to assets | 7.8486% | 6,010 |
| Core capital (leverage) ratio | 6.4073% | 6,178 |
| Tier 1 risk-based capital ratio | 10.8135% | 5,754 |
| Total risk-based capital ratio | 11.1272% | 6,039 |
| Memoranda: |
| Average total assets | $583,457,500 | 1,173 |
| Average earning assets | $558,629,250 | 1,126 |
| Average equity | $47,828,250 | 1,560 |
| Average total loans | $469,030,750 | 991 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7970% | 4,080 |
| Cost of funding earning assets | 0.8569% | 369 |
| Net interest margin | 2.9401% | 5,361 |
| Noninterest income to average assets | 0.3854% | 4,186 |
| Noninterest expense to average assets | 2.5143% | 4,196 |
| Loan and lease loss provision to assets | -0.2910% | 6,221 |
| Net operating income to assets | 0.5867% | 4,410 |
| Return on assets (ROA) | 0.7146% | 3,937 |
| Pretax return on assets | 1.1820% | 2,848 |
| Return on Equity (ROE) | 8.5616% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.0686% | 1,239 |
| Net charge-offs to loans | 0.0756% | 2,314 |
| Credit loss provision to net charge-offs | -452.5714% | 5,192 |
| Earnings coverage of net charge-offs (x) | 10.7486% | 2,341 |
| Efficiency ratio | 78.2439% | 2,031 |
| Assets per employee ($millions) | 10.5531% | 223 |
| Cash dividends to net income (ytd only)* | 5.7584% | 3,541 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2901% | 6,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 5,641 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 85.6886% | 253 |
| Net loans and leases to deposits | 109.4225% | 274 |
| Net loans and leases to core deposits | 130.5044% | 265 |
| Total domestic deposits to total assets | 78.3099% | 5,212 |
| Equity capital to assets | 8.6756% | 5,546 |
| Core capital (leverage) ratio | 8.6475% | 5,377 |
| Tier 1 risk-based capital ratio | 10.4368% | 5,948 |
| Total risk-based capital ratio | 10.7411% | 6,184 |
| Memoranda: |
| Average total assets | $544,331,670 | 1,257 |
| Average earning assets | $522,098,000 | 1,221 |
| Average equity | $45,435,670 | 1,636 |
| Average total loans | $462,924,670 | 998 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5987% | 4,693 |
| Cost of funding earning assets | 0.8723% | 330 |
| Net interest margin | 2.7264% | 5,767 |
| Noninterest income to average assets | -0.1531% | 6,372 |
| Noninterest expense to average assets | 2.4078% | 4,570 |
| Loan and lease loss provision to assets | -0.4448% | 6,343 |
| Net operating income to assets | 0.3284% | 5,314 |
| Return on assets (ROA) | 0.6149% | 4,308 |
| Pretax return on assets | 0.9455% | 3,715 |
| Return on Equity (ROE) | 7.5004% | 3,217 |
| Retained earnings to average equity (ytd only) | 6.3936% | 2,294 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2423% | 457 |
| Assets per employee ($millions) | 8.3982% | 462 |
| Cash dividends to net income (ytd only)* | 14.7563% | 2,653 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4452% | 6,209 |
| Loan loss allowance to noncurrent loans | 1,017.0854% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 5,520 |
| Noncurrent loans to loans | 0.0438% | 5,605 |
| Net loans and leases to total assets | 88.3521% | 93 |
| Net loans and leases to deposits | 100.1197% | 557 |
| Net loans and leases to core deposits | 112.8372% | 616 |
| Total domestic deposits to total assets | 88.2465% | 1,688 |
| Equity capital to assets | 8.0242% | 6,021 |
| Core capital (leverage) ratio | 7.6823% | 6,076 |
| Tier 1 risk-based capital ratio | 9.5315% | 6,269 |
| Total risk-based capital ratio | 10.0082% | 6,329 |
| Memoranda: |
| Average total assets | $493,726,000 | 1,378 |
| Average earning assets | $474,611,500 | 1,328 |
| Average equity | $40,478,000 | 1,812 |
| Average total loans | $418,131,500 | 1,096 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9145% | 4,074 |
| Cost of funding earning assets | 0.8024% | 641 |
| Net interest margin | 3.1120% | 5,174 |
| Noninterest income to average assets | 0.7570% | 2,049 |
| Noninterest expense to average assets | 2.8717% | 3,232 |
| Loan and lease loss provision to assets | 0.1400% | 1,896 |
| Net operating income to assets | 1.1689% | 1,676 |
| Return on assets (ROA) | 1.5997% | 738 |
| Pretax return on assets | 1.1631% | 2,812 |
| Return on Equity (ROE) | 20.3538% | 229 |
| Retained earnings to average equity (ytd only) | 20.1737% | 66 |
| Net charge-offs to loans | 0.0471% | 3,886 |
| Credit loss provision to net charge-offs | 374.3243% | 698 |
| Earnings coverage of net charge-offs (x) | 23.3243% | 1,591 |
| Efficiency ratio | 76.4190% | 2,448 |
| Assets per employee ($millions) | 9.3169% | 303 |
| Cash dividends to net income (ytd only)* | 0.8845% | 4,307 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6899% | 6,008 |
| Loan loss allowance to noncurrent loans | 1,323.1156% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 5,561 |
| Noncurrent loans to loans | 0.0521% | 5,667 |
| Net loans and leases to total assets | 79.7596% | 767 |
| Net loans and leases to deposits | 97.0113% | 832 |
| Net loans and leases to core deposits | 112.9136% | 641 |
| Total domestic deposits to total assets | 82.2169% | 4,340 |
| Equity capital to assets | 8.3864% | 5,839 |
| Core capital (leverage) ratio | 8.4533% | 5,604 |
| Tier 1 risk-based capital ratio | 11.0206% | 5,898 |
| Total risk-based capital ratio | 11.7545% | 6,041 |
| Memoranda: |
| Average total assets | $395,753,800 | 1,661 |
| Average earning assets | $379,846,600 | 1,593 |
| Average equity | $31,104,800 | 2,215 |
| Average total loans | $314,543,000 | 1,374 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9599% | 3,928 |
| Cost of funding earning assets | 0.7793% | 766 |
| Net interest margin | 3.1806% | 5,027 |
| Noninterest income to average assets | 0.9446% | 1,378 |
| Noninterest expense to average assets | 2.8354% | 3,331 |
| Loan and lease loss provision to assets | 0.1117% | 2,179 |
| Net operating income to assets | 1.3177% | 1,318 |
| Return on assets (ROA) | 1.4103% | 1,151 |
| Pretax return on assets | 1.1389% | 3,035 |
| Return on Equity (ROE) | 18.3314% | 411 |
| Retained earnings to average equity (ytd only) | 18.3314% | 102 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7256% | 3,383 |
| Assets per employee ($millions) | 9.7679% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6958% | 6,113 |
| Loan loss allowance to noncurrent loans | 315.7764% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 5,215 |
| Noncurrent loans to loans | 0.2203% | 5,241 |
| Net loans and leases to total assets | 82.5410% | 457 |
| Net loans and leases to deposits | 103.2012% | 443 |
| Net loans and leases to core deposits | 123.2976% | 323 |
| Total domestic deposits to total assets | 79.9807% | 5,106 |
| Equity capital to assets | 7.6675% | 6,262 |
| Core capital (leverage) ratio | 8.0218% | 6,051 |
| Tier 1 risk-based capital ratio | 9.5421% | 6,428 |
| Total risk-based capital ratio | 10.2677% | 6,471 |
| Memoranda: |
| Average total assets | $375,901,250 | 1,754 |
| Average earning assets | $360,336,750 | 1,685 |
| Average equity | $28,918,750 | 2,359 |
| Average total loans | $297,773,250 | 1,441 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8425% | 4,356 |
| Cost of funding earning assets | 0.7837% | 774 |
| Net interest margin | 3.0588% | 5,373 |
| Noninterest income to average assets | 0.7985% | 1,845 |
| Noninterest expense to average assets | 2.9920% | 2,861 |
| Loan and lease loss provision to assets | 0.1100% | 2,187 |
| Net operating income to assets | 0.4818% | 4,886 |
| Return on assets (ROA) | 0.8695% | 3,049 |
| Pretax return on assets | 1.1295% | 2,979 |
| Return on Equity (ROE) | 11.2868% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.2868% | 501 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9425% | 2,034 |
| Assets per employee ($millions) | 7.4076% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7573% | 6,069 |
| Loan loss allowance to noncurrent loans | 277.5487% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 5,086 |
| Noncurrent loans to loans | 0.2729% | 5,199 |
| Net loans and leases to total assets | 85.7279% | 192 |
| Net loans and leases to deposits | 109.1472% | 226 |
| Net loans and leases to core deposits | 128.7008% | 243 |
| Total domestic deposits to total assets | 78.5434% | 5,543 |
| Equity capital to assets | 8.0944% | 6,100 |
| Core capital (leverage) ratio | 7.8693% | 6,175 |
| Tier 1 risk-based capital ratio | 9.3053% | 6,516 |
| Total risk-based capital ratio | 10.0648% | 6,544 |
| Memoranda: |
| Average total assets | $354,683,330 | 1,851 |
| Average earning assets | $339,670,670 | 1,769 |
| Average equity | $27,324,000 | 2,455 |
| Average total loans | $275,246,000 | 1,556 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4185% | 5,609 |
| Cost of funding earning assets | 0.8020% | 739 |
| Net interest margin | 2.6166% | 6,218 |
| Noninterest income to average assets | 1.2813% | 681 |
| Noninterest expense to average assets | 2.8809% | 3,280 |
| Loan and lease loss provision to assets | 0.0980% | 2,286 |
| Net operating income to assets | 0.7258% | 3,559 |
| Return on assets (ROA) | 0.8119% | 3,168 |
| Pretax return on assets | 0.9042% | 3,683 |
| Return on Equity (ROE) | 10.8324% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.8324% | 773 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0658% | 2,795 |
| Assets per employee ($millions) | 6.1155% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8751% | 5,938 |
| Loan loss allowance to noncurrent loans | 156.6012% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 4,633 |
| Noncurrent loans to loans | 0.5588% | 4,489 |
| Net loans and leases to total assets | 73.8644% | 1,292 |
| Net loans and leases to deposits | 96.3302% | 636 |
| Net loans and leases to core deposits | 104.8210% | 806 |
| Total domestic deposits to total assets | 76.6783% | 6,003 |
| Equity capital to assets | 7.8153% | 6,167 |
| Core capital (leverage) ratio | 7.8901% | 6,182 |
| Tier 1 risk-based capital ratio | 9.0387% | 6,593 |
| Total risk-based capital ratio | 9.8015% | 6,615 |
| Memoranda: |
| Average total assets | $346,835,000 | 1,890 |
| Average earning assets | $332,189,000 | 1,815 |
| Average equity | $25,996,000 | 2,549 |
| Average total loans | $252,898,000 | 1,680 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7222% | 5,059 |
| Cost of funding earning assets | 0.9210% | 667 |
| Net interest margin | 2.8012% | 5,981 |
| Noninterest income to average assets | 0.5078% | 3,704 |
| Noninterest expense to average assets | 3.2287% | 2,333 |
| Loan and lease loss provision to assets | 0.0710% | 3,705 |
| Net operating income to assets | -0.1380% | 6,332 |
| Return on assets (ROA) | 0.3339% | 5,502 |
| Pretax return on assets | 0.3403% | 5,626 |
| Return on Equity (ROE) | 4.2594% | 4,990 |
| Retained earnings to average equity (ytd only) | 4.2594% | 3,144 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9099% | 427 |
| Assets per employee ($millions) | 5.8443% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9226% | 5,848 |
| Loan loss allowance to noncurrent loans | 233.5430% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 5,119 |
| Noncurrent loans to loans | 0.3951% | 5,021 |
| Net loans and leases to total assets | 70.5838% | 1,924 |
| Net loans and leases to deposits | 91.9894% | 1,052 |
| Net loans and leases to core deposits | 101.3419% | 1,068 |
| Total domestic deposits to total assets | 76.7304% | 6,020 |
| Equity capital to assets | 7.1602% | 6,413 |
| Core capital (leverage) ratio | 7.7334% | 6,286 |
| Tier 1 risk-based capital ratio | 9.1525% | 6,647 |
| Total risk-based capital ratio | 9.9991% | 6,670 |
| Memoranda: |
| Average total assets | $281,814,000 | 2,254 |
| Average earning assets | $266,670,000 | 2,208 |
| Average equity | $22,092,400 | 2,919 |
| Average total loans | $186,442,600 | 2,141 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6818% | 5,213 |
| Cost of funding earning assets | 0.9691% | 575 |
| Net interest margin | 2.7127% | 6,157 |
| Noninterest income to average assets | 0.6369% | 2,942 |
| Noninterest expense to average assets | 3.2679% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0695% | 6,356 |
| Return on assets (ROA) | 0.9225% | 2,836 |
| Pretax return on assets | 0.9489% | 3,692 |
| Return on Equity (ROE) | 11.4534% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.4534% | 506 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3093% | 397 |
| Assets per employee ($millions) | 5.5043% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0334% | 5,587 |
| Loan loss allowance to noncurrent loans | 204.8485% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 5,081 |
| Noncurrent loans to loans | 0.5045% | 4,938 |
| Net loans and leases to total assets | 66.5749% | 2,548 |
| Net loans and leases to deposits | 76.6947% | 2,860 |
| Net loans and leases to core deposits | 82.7737% | 2,793 |
| Total domestic deposits to total assets | 86.8051% | 2,797 |
| Equity capital to assets | 7.8402% | 6,235 |
| Core capital (leverage) ratio | 8.0288% | 6,200 |
| Tier 1 risk-based capital ratio | 10.7830% | 6,368 |
| Total risk-based capital ratio | 11.7388% | 6,427 |
| Memoranda: |
| Average total assets | $267,525,000 | 2,384 |
| Average earning assets | $252,191,750 | 2,322 |
| Average equity | $21,547,750 | 3,011 |
| Average total loans | $172,681,750 | 2,282 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6440% | 5,311 |
| Cost of funding earning assets | 0.9476% | 720 |
| Net interest margin | 2.6964% | 6,181 |
| Noninterest income to average assets | 0.6120% | 3,121 |
| Noninterest expense to average assets | 3.2707% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1291% | 6,437 |
| Return on assets (ROA) | 1.2079% | 1,676 |
| Pretax return on assets | 1.2210% | 2,585 |
| Return on Equity (ROE) | 14.8486% | 833 |
| Retained earnings to average equity (ytd only) | 14.8486% | 243 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1227% | 381 |
| Assets per employee ($millions) | 5.1043% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2597% | 4,697 |
| Loan loss allowance to noncurrent loans | 161.2570% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 4,790 |
| Noncurrent loans to loans | 0.7812% | 4,351 |
| Net loans and leases to total assets | 58.7297% | 3,865 |
| Net loans and leases to deposits | 68.0774% | 4,001 |
| Net loans and leases to core deposits | 75.7326% | 3,572 |
| Total domestic deposits to total assets | 86.2691% | 3,221 |
| Equity capital to assets | 7.6971% | 6,366 |
| Core capital (leverage) ratio | 8.1349% | 6,073 |
| Tier 1 risk-based capital ratio | 11.1043% | 6,291 |
| Total risk-based capital ratio | 12.1732% | 6,339 |
| Memoranda: |
| Average total assets | $259,457,670 | 2,464 |
| Average earning assets | $243,361,330 | 2,415 |
| Average equity | $21,106,330 | 3,085 |
| Average total loans | $164,827,330 | 2,369 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9555% | 4,277 |
| Cost of funding earning assets | 0.9093% | 946 |
| Net interest margin | 3.0462% | 5,447 |
| Noninterest income to average assets | 0.7892% | 2,167 |
| Noninterest expense to average assets | 3.2104% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4023% | 5,126 |
| Return on assets (ROA) | 1.8620% | 470 |
| Pretax return on assets | 1.8872% | 752 |
| Return on Equity (ROE) | 22.2515% | 188 |
| Retained earnings to average equity (ytd only) | 22.2515% | 97 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6087% | 1,263 |
| Assets per employee ($millions) | 5.7260% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2773% | 4,809 |
| Loan loss allowance to noncurrent loans | 176.8091% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 4,964 |
| Noncurrent loans to loans | 0.7224% | 4,684 |
| Net loans and leases to total assets | 60.8289% | 3,283 |
| Net loans and leases to deposits | 75.2016% | 2,742 |
| Net loans and leases to core deposits | 88.0408% | 1,908 |
| Total domestic deposits to total assets | 80.8877% | 5,529 |
| Equity capital to assets | 8.5927% | 5,925 |
| Core capital (leverage) ratio | 8.2898% | 5,840 |
| Tier 1 risk-based capital ratio | 11.1220% | 6,351 |
| Total risk-based capital ratio | 12.2138% | 6,389 |
| Memoranda: |
| Average total assets | $253,922,000 | 2,546 |
| Average earning assets | $236,225,500 | 2,508 |
| Average equity | $21,248,000 | 3,103 |
| Average total loans | $166,787,000 | 2,355 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8052% | 5,813 |
| Cost of funding earning assets | 0.9565% | 1,604 |
| Net interest margin | 2.8487% | 6,314 |
| Noninterest income to average assets | 0.8932% | 1,882 |
| Noninterest expense to average assets | 3.1314% | 2,841 |
| Loan and lease loss provision to assets | 0.1495% | 3,740 |
| Net operating income to assets | 0.3053% | 5,450 |
| Return on assets (ROA) | 0.8465% | 3,315 |
| Pretax return on assets | 0.8788% | 3,994 |
| Return on Equity (ROE) | 10.5187% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.5187% | 498 |
| Net charge-offs to loans | 0.0497% | 5,218 |
| Credit loss provision to net charge-offs | 396.4286% | 612 |
| Earnings coverage of net charge-offs (x) | 12.3214% | 1,939 |
| Efficiency ratio | 87.0819% | 1,324 |
| Assets per employee ($millions) | 6.7614% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1601% | 5,301 |
| Loan loss allowance to noncurrent loans | 168.2988% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 4,949 |
| Noncurrent loans to loans | 0.6893% | 4,815 |
| Net loans and leases to total assets | 69.0641% | 2,017 |
| Net loans and leases to deposits | 86.7831% | 1,407 |
| Net loans and leases to core deposits | 95.9809% | 1,303 |
| Total domestic deposits to total assets | 79.5824% | 5,764 |
| Equity capital to assets | 8.1364% | 6,335 |
| Core capital (leverage) ratio | 8.1093% | 6,080 |
| Tier 1 risk-based capital ratio | 11.3237% | 6,201 |
| Total risk-based capital ratio | 12.5206% | 6,203 |
| Memoranda: |
| Average total assets | $222,804,200 | 2,813 |
| Average earning assets | $211,392,600 | 2,718 |
| Average equity | $17,930,000 | 3,479 |
| Average total loans | $169,096,000 | 2,321 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7767% | 6,079 |
| Cost of funding earning assets | 0.9629% | 1,768 |
| Net interest margin | 2.8138% | 6,480 |
| Noninterest income to average assets | 0.9372% | 1,713 |
| Noninterest expense to average assets | 3.0881% | 2,921 |
| Loan and lease loss provision to assets | 0.1685% | 3,432 |
| Net operating income to assets | 0.3350% | 5,496 |
| Return on assets (ROA) | 0.5958% | 4,677 |
| Pretax return on assets | 0.6205% | 5,103 |
| Return on Equity (ROE) | 7.4270% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.4270% | 1,882 |
| Net charge-offs to loans | 0.0668% | 4,750 |
| Credit loss provision to net charge-offs | 325.0000% | 824 |
| Earnings coverage of net charge-offs (x) | 9.9760% | 2,245 |
| Efficiency ratio | 85.6507% | 1,414 |
| Assets per employee ($millions) | 6.6291% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0973% | 5,730 |
| Loan loss allowance to noncurrent loans | 145.7778% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 4,936 |
| Noncurrent loans to loans | 0.7527% | 4,912 |
| Net loans and leases to total assets | 74.3279% | 1,199 |
| Net loans and leases to deposits | 96.4882% | 631 |
| Net loans and leases to core deposits | 111.7290% | 508 |
| Total domestic deposits to total assets | 77.0331% | 6,224 |
| Equity capital to assets | 7.9749% | 6,608 |
| Core capital (leverage) ratio | 8.0202% | 6,312 |
| Tier 1 risk-based capital ratio | 11.4397% | 6,258 |
| Total risk-based capital ratio | 12.6437% | 6,258 |
| Memoranda: |
| Average total assets | $215,962,250 | 2,908 |
| Average earning assets | $204,794,750 | 2,823 |
| Average equity | $17,323,750 | 3,601 |
| Average total loans | $167,668,250 | 2,364 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8985% | 5,922 |
| Cost of funding earning assets | 0.9594% | 2,000 |
| Net interest margin | 2.9390% | 6,361 |
| Noninterest income to average assets | 0.8733% | 1,880 |
| Noninterest expense to average assets | 2.9376% | 3,485 |
| Loan and lease loss provision to assets | 0.2380% | 2,690 |
| Net operating income to assets | 0.4729% | 4,939 |
| Return on assets (ROA) | 0.6036% | 4,606 |
| Pretax return on assets | 0.6180% | 5,076 |
| Return on Equity (ROE) | 7.5085% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.5085% | 1,863 |
| Net charge-offs to loans | 0.1014% | 4,151 |
| Credit loss provision to net charge-offs | 298.7952% | 983 |
| Earnings coverage of net charge-offs (x) | 9.0723% | 2,208 |
| Efficiency ratio | 80.2569% | 2,129 |
| Assets per employee ($millions) | 5.9588% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1286% | 5,653 |
| Loan loss allowance to noncurrent loans | 164.9406% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 5,034 |
| Noncurrent loans to loans | 0.6842% | 5,138 |
| Net loans and leases to total assets | 79.3511% | 576 |
| Net loans and leases to deposits | 96.0501% | 631 |
| Net loans and leases to core deposits | 113.0639% | 477 |
| Total domestic deposits to total assets | 82.6143% | 4,900 |
| Equity capital to assets | 8.2255% | 6,434 |
| Core capital (leverage) ratio | 8.5118% | 5,639 |
| Tier 1 risk-based capital ratio | 12.2644% | 5,750 |
| Total risk-based capital ratio | 13.2672% | 5,899 |
| Memoranda: |
| Average total assets | $208,400,330 | 2,990 |
| Average earning assets | $197,616,330 | 2,908 |
| Average equity | $16,754,330 | 3,694 |
| Average total loans | $163,774,330 | 2,418 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0070% | 5,739 |
| Cost of funding earning assets | 0.9185% | 2,532 |
| Net interest margin | 3.0884% | 6,086 |
| Noninterest income to average assets | 0.6565% | 2,891 |
| Noninterest expense to average assets | 2.8129% | 3,980 |
| Loan and lease loss provision to assets | 0.2338% | 2,602 |
| Net operating income to assets | 0.5376% | 4,661 |
| Return on assets (ROA) | 0.7383% | 3,927 |
| Pretax return on assets | 0.7383% | 4,659 |
| Return on Equity (ROE) | 9.2955% | 2,686 |
| Retained earnings to average equity (ytd only) | 9.2955% | 1,480 |
| Net charge-offs to loans | -0.0050% | 5,795 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4783% | 2,433 |
| Assets per employee ($millions) | 6.3635% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1341% | 5,782 |
| Loan loss allowance to noncurrent loans | 152.1217% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 5,054 |
| Noncurrent loans to loans | 0.7455% | 5,175 |
| Net loans and leases to total assets | 78.8738% | 503 |
| Net loans and leases to deposits | 99.8583% | 377 |
| Net loans and leases to core deposits | 117.2916% | 352 |
| Total domestic deposits to total assets | 78.9857% | 6,079 |
| Equity capital to assets | 8.0630% | 6,477 |
| Core capital (leverage) ratio | 8.1295% | 6,118 |
| Tier 1 risk-based capital ratio | 12.0706% | 5,913 |
| Total risk-based capital ratio | 13.3183% | 5,891 |
| Memoranda: |
| Average total assets | $205,343,000 | 3,046 |
| Average earning assets | $194,661,500 | 2,966 |
| Average equity | $16,309,000 | 3,762 |
| Average total loans | $159,580,000 | 2,487 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0321% | 6,399 |
| Cost of funding earning assets | 1.0121% | 3,287 |
| Net interest margin | 3.0200% | 6,499 |
| Noninterest income to average assets | 0.2908% | 5,458 |
| Noninterest expense to average assets | 3.7310% | 1,476 |
| Loan and lease loss provision to assets | 0.4785% | 2,211 |
| Net operating income to assets | -1.0778% | 6,775 |
| Return on assets (ROA) | -1.0606% | 6,792 |
| Pretax return on assets | -1.0606% | 6,759 |
| Return on Equity (ROE) | -13.0562% | 6,839 |
| Retained earnings to average equity (ytd only) | -13.0562% | 6,812 |
| Net charge-offs to loans | 0.4814% | 3,070 |
| Credit loss provision to net charge-offs | 127.8689% | 2,426 |
| Earnings coverage of net charge-offs (x) | -1.6016% | 6,258 |
| Efficiency ratio | 119.1381% | 312 |
| Assets per employee ($millions) | 6.0815% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1726% | 5,521 |
| Loan loss allowance to noncurrent loans | 140.2208% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 5,048 |
| Noncurrent loans to loans | 0.8363% | 5,017 |
| Net loans and leases to total assets | 74.6675% | 1,143 |
| Net loans and leases to deposits | 100.4700% | 435 |
| Net loans and leases to core deposits | 114.0045% | 499 |
| Total domestic deposits to total assets | 74.3182% | 6,684 |
| Equity capital to assets | 7.8160% | 6,677 |
| Core capital (leverage) ratio | 8.6075% | 5,384 |
| Tier 1 risk-based capital ratio | 12.1212% | 5,745 |
| Total risk-based capital ratio | 13.3607% | 5,734 |
| Memoranda: |
| Average total assets | $163,014,400 | 3,590 |
| Average earning assets | $153,344,200 | 3,524 |
| Average equity | $13,242,800 | 4,292 |
| Average total loans | $126,707,600 | 3,048 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0791% | 6,454 |
| Cost of funding earning assets | 1.0533% | 3,296 |
| Net interest margin | 3.0258% | 6,529 |
| Noninterest income to average assets | 0.2144% | 6,076 |
| Noninterest expense to average assets | 3.9766% | 1,034 |
| Loan and lease loss provision to assets | 0.4080% | 2,423 |
| Net operating income to assets | -1.3299% | 6,994 |
| Return on assets (ROA) | -1.3056% | 7,007 |
| Pretax return on assets | -1.3056% | 6,964 |
| Return on Equity (ROE) | -15.8746% | 7,032 |
| Retained earnings to average equity (ytd only) | -15.8746% | 7,007 |
| Net charge-offs to loans | 0.6430% | 2,322 |
| Credit loss provision to net charge-offs | 80.8950% | 4,116 |
| Earnings coverage of net charge-offs (x) | -1.8279% | 6,007 |
| Efficiency ratio | 130.1790% | 225 |
| Assets per employee ($millions) | 5.2363% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1044% | 5,872 |
| Loan loss allowance to noncurrent loans | 112.9811% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.9835% | 4,784 |
| Noncurrent loans to loans | 0.9775% | 4,932 |
| Net loans and leases to total assets | 80.0013% | 515 |
| Net loans and leases to deposits | 100.6026% | 444 |
| Net loans and leases to core deposits | 109.1745% | 714 |
| Total domestic deposits to total assets | 79.5221% | 5,862 |
| Equity capital to assets | 8.0335% | 6,678 |
| Core capital (leverage) ratio | 8.1220% | 6,255 |
| Tier 1 risk-based capital ratio | 12.3776% | 5,600 |
| Total risk-based capital ratio | 13.6080% | 5,602 |
| Memoranda: |
| Average total assets | $153,595,250 | 3,764 |
| Average earning assets | $144,179,750 | 3,694 |
| Average equity | $12,632,000 | 4,426 |
| Average total loans | $120,477,250 | 3,185 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9972% | 6,666 |
| Cost of funding earning assets | 1.0233% | 3,794 |
| Net interest margin | 2.9739% | 6,655 |
| Noninterest income to average assets | 0.0994% | 6,830 |
| Noninterest expense to average assets | 3.9627% | 1,104 |
| Loan and lease loss provision to assets | 0.0470% | 5,723 |
| Net operating income to assets | -1.1239% | 6,984 |
| Return on assets (ROA) | -1.0971% | 6,981 |
| Pretax return on assets | -1.0971% | 6,927 |
| Return on Equity (ROE) | -13.2247% | 7,019 |
| Retained earnings to average equity (ytd only) | -13.2247% | 6,981 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.3197% | 212 |
| Assets per employee ($millions) | 4.2639% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2648% | 5,227 |
| Loan loss allowance to noncurrent loans | 50.5538% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 2.2051% | 2,974 |
| Noncurrent loans to loans | 2.5019% | 2,886 |
| Net loans and leases to total assets | 79.1576% | 628 |
| Net loans and leases to deposits | 96.4665% | 691 |
| Net loans and leases to core deposits | 103.0963% | 1,111 |
| Total domestic deposits to total assets | 82.0570% | 5,144 |
| Equity capital to assets | 8.2016% | 6,513 |
| Core capital (leverage) ratio | 8.4043% | 5,702 |
| Tier 1 risk-based capital ratio | 13.1893% | 4,775 |
| Total risk-based capital ratio | 14.4333% | 4,761 |
| Memoranda: |
| Average total assets | $148,940,000 | 3,865 |
| Average earning assets | $139,546,330 | 3,798 |
| Average equity | $12,355,670 | 4,461 |
| Average total loans | $115,453,670 | 3,330 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8356% | 6,908 |
| Cost of funding earning assets | 0.9867% | 4,291 |
| Net interest margin | 2.8489% | 6,837 |
| Noninterest income to average assets | 0.1264% | 6,786 |
| Noninterest expense to average assets | 4.0535% | 973 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.2669% | 7,123 |
| Return on assets (ROA) | -1.2107% | 7,105 |
| Pretax return on assets | -1.2107% | 7,066 |
| Return on Equity (ROE) | -14.5008% | 7,138 |
| Retained earnings to average equity (ytd only) | -14.5008% | 7,027 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.4637% | 186 |
| Assets per employee ($millions) | 3.6246% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4023% | 4,654 |
| Loan loss allowance to noncurrent loans | 45.4366% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 2.5988% | 2,640 |
| Noncurrent loans to loans | 3.0862% | 2,430 |
| Net loans and leases to total assets | 76.0826% | 1,025 |
| Net loans and leases to deposits | 93.3434% | 888 |
| Net loans and leases to core deposits | 96.3485% | 1,648 |
| Total domestic deposits to total assets | 81.5083% | 5,493 |
| Equity capital to assets | 7.8583% | 6,627 |
| Core capital (leverage) ratio | 8.2896% | 5,828 |
| Tier 1 risk-based capital ratio | 12.7126% | 5,052 |
| Total risk-based capital ratio | 13.9688% | 5,022 |
| Memoranda: |
| Average total assets | $142,395,000 | 4,023 |
| Average earning assets | $132,965,500 | 3,959 |
| Average equity | $11,889,000 | 4,578 |
| Average total loans | $108,229,500 | 3,537 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7839% | 7,262 |
| Cost of funding earning assets | 1.2416% | 4,268 |
| Net interest margin | 2.5423% | 7,248 |
| Noninterest income to average assets | -0.2094% | 7,475 |
| Noninterest expense to average assets | 4.3613% | 759 |
| Loan and lease loss provision to assets | 0.8913% | 1,832 |
| Net operating income to assets | -3.1178% | 7,320 |
| Return on assets (ROA) | -3.1178% | 7,337 |
| Pretax return on assets | -3.1178% | 7,315 |
| Return on Equity (ROE) | -36.3045% | 7,301 |
| Retained earnings to average equity (ytd only) | -36.3045% | 7,292 |
| Net charge-offs to loans | 0.3570% | 4,230 |
| Credit loss provision to net charge-offs | 347.9730% | 743 |
| Earnings coverage of net charge-offs (x) | -8.6926% | 6,794 |
| Efficiency ratio | 204.2967% | 87 |
| Assets per employee ($millions) | 3.0263% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5798% | 3,659 |
| Loan loss allowance to noncurrent loans | 54.6939% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.3960% | 2,872 |
| Noncurrent loans to loans | 2.8884% | 2,632 |
| Net loans and leases to total assets | 73.5620% | 1,755 |
| Net loans and leases to deposits | 90.7813% | 1,425 |
| Net loans and leases to core deposits | 93.2158% | 2,353 |
| Total domestic deposits to total assets | 81.0321% | 5,513 |
| Equity capital to assets | 8.8851% | 5,310 |
| Core capital (leverage) ratio | 9.2806% | 4,041 |
| Tier 1 risk-based capital ratio | 13.8687% | 3,952 |
| Total risk-based capital ratio | 15.1260% | 3,925 |
| Memoranda: |
| Average total assets | $115,560,800 | 4,581 |
| Average earning assets | $106,556,800 | 4,546 |
| Average equity | $9,924,400 | 5,157 |
| Average total loans | $82,908,800 | 4,249 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6872% | 7,452 |
| Cost of funding earning assets | 1.3411% | 3,965 |
| Net interest margin | 2.3460% | 7,463 |
| Noninterest income to average assets | 0.1316% | 6,901 |
| Noninterest expense to average assets | 4.5613% | 554 |
| Loan and lease loss provision to assets | 0.3140% | 4,066 |
| Net operating income to assets | -2.5868% | 7,370 |
| Return on assets (ROA) | -2.5868% | 7,392 |
| Pretax return on assets | -2.5868% | 7,346 |
| Return on Equity (ROE) | -30.4454% | 7,392 |
| Retained earnings to average equity (ytd only) | -30.4454% | 7,383 |
| Net charge-offs to loans | -0.1569% | 7,602 |
| Credit loss provision to net charge-offs | -282.6087% | 6,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 199.3140% | 85 |
| Assets per employee ($millions) | 5.3482% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2797% | 5,066 |
| Loan loss allowance to noncurrent loans | 122.6000% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 1.3424% | 4,481 |
| Noncurrent loans to loans | 1.0438% | 5,160 |
| Net loans and leases to total assets | 73.6833% | 1,869 |
| Net loans and leases to deposits | 93.7315% | 1,235 |
| Net loans and leases to core deposits | 96.5771% | 2,191 |
| Total domestic deposits to total assets | 78.6111% | 6,116 |
| Equity capital to assets | 10.5893% | 3,421 |
| Core capital (leverage) ratio | 12.0048% | 1,671 |
| Tier 1 risk-based capital ratio | 16.1759% | 2,687 |
| Total risk-based capital ratio | 17.4400% | 2,628 |
| Memoranda: |
| Average total assets | $110,405,250 | 4,756 |
| Average earning assets | $101,503,000 | 4,746 |
| Average equity | $9,380,500 | 5,385 |
| Average total loans | $78,189,250 | 4,463 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5768% | 7,580 |
| Cost of funding earning assets | 1.4726% | 3,413 |
| Net interest margin | 2.1043% | 7,619 |
| Noninterest income to average assets | 0.1322% | 6,928 |
| Noninterest expense to average assets | 4.9051% | 407 |
| Loan and lease loss provision to assets | 0.2873% | 4,096 |
| Net operating income to assets | -3.1334% | 7,524 |
| Return on assets (ROA) | -3.1334% | 7,528 |
| Pretax return on assets | -3.1334% | 7,490 |
| Return on Equity (ROE) | -41.0196% | 7,540 |
| Retained earnings to average equity (ytd only) | -41.0196% | 7,533 |
| Net charge-offs to loans | 0.0221% | 6,030 |
| Credit loss provision to net charge-offs | 1,875.0000% | 214 |
| Earnings coverage of net charge-offs (x) | -185.7500% | 6,369 |
| Efficiency ratio | 238.2326% | 61 |
| Assets per employee ($millions) | 5.3693% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3034% | 4,901 |
| Loan loss allowance to noncurrent loans | 101.6000% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.6045% | 4,035 |
| Noncurrent loans to loans | 1.2829% | 4,819 |
| Net loans and leases to total assets | 71.6441% | 2,503 |
| Net loans and leases to deposits | 87.8434% | 2,199 |
| Net loans and leases to core deposits | 92.0650% | 2,975 |
| Total domestic deposits to total assets | 81.5589% | 5,174 |
| Equity capital to assets | 11.1943% | 2,695 |
| Core capital (leverage) ratio | 11.3736% | 1,994 |
| Tier 1 risk-based capital ratio | 17.2197% | 2,192 |
| Total risk-based capital ratio | 18.4848% | 2,153 |
| Memoranda: |
| Average total assets | $104,421,670 | 4,954 |
| Average earning assets | $95,615,000 | 4,941 |
| Average equity | $7,976,670 | 5,815 |
| Average total loans | $72,318,000 | 4,703 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5497% | 7,693 |
| Cost of funding earning assets | 1.5814% | 3,069 |
| Net interest margin | 1.9683% | 7,730 |
| Noninterest income to average assets | 0.1243% | 7,058 |
| Noninterest expense to average assets | 4.8106% | 426 |
| Loan and lease loss provision to assets | 0.1943% | 4,555 |
| Net operating income to assets | -3.0814% | 7,648 |
| Return on assets (ROA) | -3.0814% | 7,642 |
| Pretax return on assets | -3.0814% | 7,605 |
| Return on Equity (ROE) | -53.2706% | 7,721 |
| Retained earnings to average equity (ytd only) | -53.2706% | 7,711 |
| Net charge-offs to loans | 0.0460% | 4,951 |
| Credit loss provision to net charge-offs | 625.0000% | 695 |
| Earnings coverage of net charge-offs (x) | -92.8750% | 5,603 |
| Efficiency ratio | 250.1010% | 61 |
| Assets per employee ($millions) | 5.0109% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3587% | 4,636 |
| Loan loss allowance to noncurrent loans | 91.6000% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.6374% | 4,028 |
| Noncurrent loans to loans | 1.4833% | 4,517 |
| Net loans and leases to total assets | 63.1965% | 4,489 |
| Net loans and leases to deposits | 76.5065% | 4,317 |
| Net loans and leases to core deposits | 79.7183% | 4,794 |
| Total domestic deposits to total assets | 82.6027% | 4,797 |
| Equity capital to assets | 10.1360% | 3,693 |
| Core capital (leverage) ratio | 9.9592% | 3,216 |
| Tier 1 risk-based capital ratio | 16.4861% | 2,460 |
| Total risk-based capital ratio | 17.7520% | 2,400 |
| Memoranda: |
| Average total assets | $102,940,000 | 5,065 |
| Average earning assets | $94,092,000 | 5,045 |
| Average equity | $5,954,500 | 6,536 |
| Average total loans | $69,501,500 | 4,886 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1409% | 7,634 |
| Cost of funding earning assets | 2.4004% | 1,301 |
| Net interest margin | 1.7405% | 7,823 |
| Noninterest income to average assets | 0.1058% | 7,236 |
| Noninterest expense to average assets | 4.3357% | 945 |
| Loan and lease loss provision to assets | 0.5308% | 3,720 |
| Net operating income to assets | -3.1607% | 7,436 |
| Return on assets (ROA) | -2.8593% | 7,371 |
| Pretax return on assets | -2.8593% | 7,257 |
| Return on Equity (ROE) | -108.6987% | 7,951 |
| Retained earnings to average equity (ytd only) | -108.6987% | 7,950 |
| Net charge-offs to loans | 0.4322% | 4,071 |
| Credit loss provision to net charge-offs | 176.0870% | 2,387 |
| Earnings coverage of net charge-offs (x) | -8.7236% | 7,156 |
| Efficiency ratio | 254.1712% | 83 |
| Assets per employee ($millions) | 5.0326% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2209% | 5,234 |
| Loan loss allowance to noncurrent loans | 50.4910% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 1.7198% | 3,785 |
| Noncurrent loans to loans | 2.4181% | 3,136 |
| Net loans and leases to total assets | 70.2546% | 3,198 |
| Net loans and leases to deposits | 77.0367% | 4,553 |
| Net loans and leases to core deposits | 86.4196% | 5,481 |
| Total domestic deposits to total assets | 91.1963% | 466 |
| Equity capital to assets | 1.2350% | 7,980 |
| Core capital (leverage) ratio | 1.2452% | 7,977 |
| Tier 1 risk-based capital ratio | 1.8963% | 7,973 |
| Total risk-based capital ratio | 3.1474% | 7,973 |
| Memoranda: |
| Average total assets | $106,810,200 | 4,908 |
| Average earning assets | $98,192,000 | 4,887 |
| Average equity | $2,809,600 | 7,645 |
| Average total loans | $74,507,600 | 4,707 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2529% | 7,693 |
| Cost of funding earning assets | 2.5657% | 1,118 |
| Net interest margin | 1.6873% | 7,915 |
| Noninterest income to average assets | 0.1009% | 7,400 |
| Noninterest expense to average assets | 4.1925% | 1,042 |
| Loan and lease loss provision to assets | 0.2830% | 4,713 |
| Net operating income to assets | -2.8217% | 7,549 |
| Return on assets (ROA) | -2.4254% | 7,444 |
| Pretax return on assets | -2.4254% | 7,320 |
| Return on Equity (ROE) | -82.0907% | 7,971 |
| Retained earnings to average equity (ytd only) | -82.0907% | 7,969 |
| Net charge-offs to loans | 0.2357% | 4,581 |
| Credit loss provision to net charge-offs | 172.9323% | 2,681 |
| Earnings coverage of net charge-offs (x) | -15.5112% | 6,928 |
| Efficiency ratio | 253.4970% | 84 |
| Assets per employee ($millions) | 5.4210% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9897% | 6,357 |
| Loan loss allowance to noncurrent loans | 79.5181% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 5,305 |
| Noncurrent loans to loans | 1.2446% | 4,863 |
| Net loans and leases to total assets | 70.5182% | 3,385 |
| Net loans and leases to deposits | 77.9516% | 4,743 |
| Net loans and leases to core deposits | 88.1779% | 5,627 |
| Total domestic deposits to total assets | 90.4640% | 605 |
| Equity capital to assets | 2.2359% | 8,050 |
| Core capital (leverage) ratio | 2.1069% | 8,050 |
| Tier 1 risk-based capital ratio | 3.4770% | 8,035 |
| Total risk-based capital ratio | 4.5730% | 8,045 |
| Memoranda: |
| Average total assets | $108,350,000 | 4,901 |
| Average earning assets | $99,724,750 | 4,874 |
| Average equity | $3,201,250 | 7,598 |
| Average total loans | $75,238,000 | 4,726 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4688% | 7,647 |
| Cost of funding earning assets | 2.6919% | 1,052 |
| Net interest margin | 1.7769% | 7,950 |
| Noninterest income to average assets | 0.0962% | 7,499 |
| Noninterest expense to average assets | 4.2803% | 971 |
| Loan and lease loss provision to assets | 0.3814% | 3,637 |
| Net operating income to assets | -2.9292% | 7,660 |
| Return on assets (ROA) | -2.5006% | 7,551 |
| Pretax return on assets | -2.5006% | 7,421 |
| Return on Equity (ROE) | -78.6707% | 8,036 |
| Retained earnings to average equity (ytd only) | -78.6707% | 8,035 |
| Net charge-offs to loans | 0.3506% | 3,435 |
| Credit loss provision to net charge-offs | 157.8947% | 2,912 |
| Earnings coverage of net charge-offs (x) | -10.5489% | 6,531 |
| Efficiency ratio | 247.0650% | 117 |
| Assets per employee ($millions) | 5.3784% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8834% | 6,837 |
| Loan loss allowance to noncurrent loans | 77.3275% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 5,371 |
| Noncurrent loans to loans | 1.1424% | 4,930 |
| Net loans and leases to total assets | 70.1338% | 3,674 |
| Net loans and leases to deposits | 77.3567% | 4,961 |
| Net loans and leases to core deposits | 91.7094% | 5,376 |
| Total domestic deposits to total assets | 90.6629% | 570 |
| Equity capital to assets | 2.5490% | 8,132 |
| Core capital (leverage) ratio | 2.4613% | 8,134 |
| Tier 1 risk-based capital ratio | 4.3504% | 8,119 |
| Total risk-based capital ratio | 5.4172% | 8,122 |
| Memoranda: |
| Average total assets | $110,133,670 | 4,884 |
| Average earning assets | $101,414,670 | 4,862 |
| Average equity | $3,500,670 | 7,578 |
| Average total loans | $75,864,330 | 4,740 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4169% | 7,787 |
| Cost of funding earning assets | 2.8392% | 892 |
| Net interest margin | 1.5778% | 8,040 |
| Noninterest income to average assets | 0.0846% | 7,631 |
| Noninterest expense to average assets | 4.1903% | 951 |
| Loan and lease loss provision to assets | 0.2943% | 3,596 |
| Net operating income to assets | -2.9505% | 7,836 |
| Return on assets (ROA) | -2.9505% | 7,838 |
| Pretax return on assets | -2.9505% | 7,742 |
| Return on Equity (ROE) | -84.1663% | 8,128 |
| Retained earnings to average equity (ytd only) | -84.1663% | 8,119 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 273.1415% | 109 |
| Assets per employee ($millions) | 4.9226% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8599% | 6,911 |
| Loan loss allowance to noncurrent loans | 98.0636% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 5,658 |
| Noncurrent loans to loans | 0.8769% | 5,260 |
| Net loans and leases to total assets | 69.1916% | 3,875 |
| Net loans and leases to deposits | 76.4051% | 5,164 |
| Net loans and leases to core deposits | 91.2322% | 5,436 |
| Total domestic deposits to total assets | 90.5589% | 567 |
| Equity capital to assets | 2.8999% | 8,203 |
| Core capital (leverage) ratio | 3.1246% | 8,201 |
| Tier 1 risk-based capital ratio | 4.8480% | 8,179 |
| Total risk-based capital ratio | 5.8512% | 8,185 |
| Memoranda: |
| Average total assets | $108,727,000 | 4,934 |
| Average earning assets | $99,889,000 | 4,919 |
| Average equity | $3,811,500 | 7,514 |
| Average total loans | $73,836,500 | 4,842 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6907% | 7,980 |
| Cost of funding earning assets | 2.4205% | 4,631 |
| Net interest margin | 2.2702% | 7,924 |
| Noninterest income to average assets | 0.0943% | 7,661 |
| Noninterest expense to average assets | 6.5806% | 326 |
| Loan and lease loss provision to assets | 1.1800% | 1,225 |
| Net operating income to assets | -5.6975% | 8,131 |
| Return on assets (ROA) | -5.6975% | 8,122 |
| Pretax return on assets | -5.6975% | 8,077 |
| Return on Equity (ROE) | -59.4290% | 8,201 |
| Retained earnings to average equity (ytd only) | -59.4290% | 8,188 |
| Net charge-offs to loans | 0.6621% | 1,870 |
| Credit loss provision to net charge-offs | 271.1191% | 1,696 |
| Earnings coverage of net charge-offs (x) | -10.3791% | 6,897 |
| Efficiency ratio | 318.9642% | 92 |
| Assets per employee ($millions) | 4.1380% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9644% | 6,303 |
| Loan loss allowance to noncurrent loans | 86.9986% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 5,045 |
| Noncurrent loans to loans | 1.1086% | 4,337 |
| Net loans and leases to total assets | 65.0381% | 5,054 |
| Net loans and leases to deposits | 74.7552% | 5,767 |
| Net loans and leases to core deposits | 84.6416% | 6,242 |
| Total domestic deposits to total assets | 87.0014% | 1,932 |
| Equity capital to assets | 4.2261% | 8,243 |
| Core capital (leverage) ratio | 4.6970% | 8,231 |
| Tier 1 risk-based capital ratio | 6.6966% | 8,196 |
| Total risk-based capital ratio | 7.7002% | 8,212 |
| Memoranda: |
| Average total assets | $63,641,800 | 6,244 |
| Average earning assets | $55,194,400 | 6,364 |
| Average equity | $6,101,400 | 6,768 |
| Average total loans | $41,838,400 | 6,082 |
