Home > Emigrant Bank > Performance and Condition Ratios
Emigrant Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 38.9811% | 47 |
| Cost of funding earning assets | 17.2852% | 30 |
| Net interest margin | 21.6958% | 13 |
| Noninterest income to average assets | 6.4400% | 110 |
| Noninterest expense to average assets | 17.6731% | 77 |
| Loan and lease loss provision to assets | 2.8600% | 16 |
| Net operating income to assets | 3.6349% | 117 |
| Return on assets (ROA) | 2.8856% | 174 |
| Pretax return on assets | 3.8495% | 124 |
| Return on Equity (ROE) | 12.5300% | 1,837 |
| Retained earnings to average equity (ytd only) | 3.8708% | 3,006 |
| Net charge-offs to loans | 4.0321% | 24 |
| Credit loss provision to net charge-offs | 95.4807% | 1,895 |
| Earnings coverage of net charge-offs (x) | 2.5398% | 2,688 |
| Efficiency ratio | 69.8859% | 1,894 |
| Assets per employee ($millions) | 13.2660% | 307 |
| Cash dividends to net income (ytd only)* | 69.1012% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 908 |
| Loan loss allowance to noncurrent loans | 28.6122% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 4.1907% | 35 |
| Noncurrent loans to loans | 5.4672% | 38 |
| Net loans and leases to total assets | 73.7200% | 1,396 |
| Net loans and leases to deposits | 98.2801% | 632 |
| Net loans and leases to core deposits | 103.2862% | 1,257 |
| Total domestic deposits to total assets | 75.0100% | 4,027 |
| Equity capital to assets | 23.0644% | 217 |
| Core capital (leverage) ratio | 22.0469% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7656% | 555 |
| Memoranda: | ||
| Average total assets | $1,295,863,400 | 807 |
| Average earning assets | $1,125,625,600 | 837 |
| Average equity | $298,494,200 | 400 |
| Average total loans | $963,678,400 | 752 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1569% | 179 |
| Cost of funding earning assets | 1.1937% | 2,452 |
| Net interest margin | 5.9632% | 112 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 5.9905% | 179 |
| Loan and lease loss provision to assets | -0.6200% | 4,615 |
| Net operating income to assets | 0.3012% | 4,113 |
| Return on assets (ROA) | 0.3012% | 4,119 |
| Pretax return on assets | 0.3012% | 4,166 |
| Return on Equity (ROE) | 1.3600% | 4,276 |
| Retained earnings to average equity (ytd only) | 1.3587% | 3,874 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 105.6587% | 126 |
| Assets per employee ($millions) | 4.7834% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6827% | 4,165 |
| Loan loss allowance to noncurrent loans | 68.6047% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 1,080 |
| Noncurrent loans to loans | 0.9952% | 810 |
| Net loans and leases to total assets | 53.8300% | 3,372 |
| Net loans and leases to deposits | 79.3785% | 2,108 |
| Net loans and leases to core deposits | 96.2794% | 1,539 |
| Total domestic deposits to total assets | 67.8100% | 4,374 |
| Equity capital to assets | 25.2645% | 196 |
| Core capital (leverage) ratio | 25.0529% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.9670% | 90 |
| Memoranda: | ||
| Average total assets | $54,440,000 | 4,286 |
| Average earning assets | $48,697,750 | 4,286 |
| Average equity | $12,070,250 | 3,520 |
| Average total loans | $32,232,250 | 4,122 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0000% | 175 |
| Cost of funding earning assets | 1.2100% | 1,953 |
| Net interest margin | 5.7900% | 127 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 5.4186% | 199 |
| Loan and lease loss provision to assets | -0.8500% | 4,645 |
| Net operating income to assets | 1.2359% | 1,731 |
| Return on assets (ROA) | 1.2359% | 1,725 |
| Pretax return on assets | 1.2359% | 2,270 |
| Return on Equity (ROE) | 5.4500% | 3,812 |
| Retained earnings to average equity (ytd only) | 5.4505% | 2,805 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.2907% | 276 |
| Assets per employee ($millions) | 4.5453% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6306% | 4,261 |
| Loan loss allowance to noncurrent loans | 39.2650% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.0340% | 440 |
| Noncurrent loans to loans | 1.6060% | 408 |
| Net loans and leases to total assets | 63.9800% | 2,388 |
| Net loans and leases to deposits | 85.7771% | 1,518 |
| Net loans and leases to core deposits | 100.3356% | 1,217 |
| Total domestic deposits to total assets | 74.5900% | 4,151 |
| Equity capital to assets | 24.7330% | 197 |
| Core capital (leverage) ratio | 24.1737% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.7806% | 109 |
| Memoranda: | ||
| Average total assets | $53,888,000 | 4,313 |
| Average earning assets | $50,742,667 | 4,285 |
| Average equity | $12,219,000 | 3,519 |
| Average total loans | $34,334,667 | 4,108 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5771% | 163 |
| Cost of funding earning assets | 1.2041% | 1,438 |
| Net interest margin | 5.3729% | 179 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 5.0579% | 224 |
| Loan and lease loss provision to assets | -1.4500% | 4,672 |
| Net operating income to assets | 1.6119% | 961 |
| Return on assets (ROA) | 1.6119% | 960 |
| Pretax return on assets | 1.6119% | 1,431 |
| Return on Equity (ROE) | 7.4100% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.4102% | 2,388 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.9780% | 207 |
| Assets per employee ($millions) | 4.7568% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6528% | 4,306 |
| Loan loss allowance to noncurrent loans | 29.4194% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.4811% | 226 |
| Noncurrent loans to loans | 2.2189% | 234 |
| Net loans and leases to total assets | 66.3100% | 2,029 |
| Net loans and leases to deposits | 87.2997% | 1,272 |
| Net loans and leases to core deposits | 103.9795% | 924 |
| Total domestic deposits to total assets | 75.9600% | 4,161 |
| Equity capital to assets | 23.4267% | 172 |
| Core capital (leverage) ratio | 22.4633% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.0813% | 124 |
| Memoranda: | ||
| Average total assets | $55,833,000 | 4,355 |
| Average earning assets | $52,485,500 | 4,322 |
| Average equity | $12,145,500 | 3,559 |
| Average total loans | $35,406,500 | 4,146 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3755% | 179 |
| Cost of funding earning assets | 0.9006% | 255 |
| Net interest margin | 4.4749% | 307 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 4.9220% | 224 |
| Loan and lease loss provision to assets | 0.9200% | 46 |
| Net operating income to assets | -1.8479% | 4,688 |
| Return on assets (ROA) | -1.7716% | 4,684 |
| Pretax return on assets | -1.7673% | 4,673 |
| Return on Equity (ROE) | -9.6300% | 4,660 |
| Retained earnings to average equity (ytd only) | -9.6256% | 4,629 |
| Net charge-offs to loans | 2.3469% | 27 |
| Credit loss provision to net charge-offs | 63.9000% | 1,755 |
| Earnings coverage of net charge-offs (x) | -0.6420% | 4,678 |
| Efficiency ratio | 123.1102% | 61 |
| Assets per employee ($millions) | 4.9451% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,376 |
| Loan loss allowance to noncurrent loans | 41.6828% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.7425% | 158 |
| Noncurrent loans to loans | 2.8813% | 150 |
| Net loans and leases to total assets | 59.7500% | 2,656 |
| Net loans and leases to deposits | 75.3897% | 2,142 |
| Net loans and leases to core deposits | 87.8752% | 1,617 |
| Total domestic deposits to total assets | 79.2500% | 3,974 |
| Equity capital to assets | 20.2777% | 220 |
| Core capital (leverage) ratio | 19.3103% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.3737% | 133 |
| Memoranda: | ||
| Average total assets | $69,483,800 | 4,235 |
| Average earning assets | $57,074,000 | 4,300 |
| Average equity | $12,788,800 | 3,592 |
| Average total loans | $42,609,400 | 4,017 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9533% | 224 |
| Cost of funding earning assets | 0.7026% | 266 |
| Net interest margin | 4.2507% | 372 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 4.5116% | 250 |
| Loan and lease loss provision to assets | 1.5200% | 25 |
| Net operating income to assets | -2.3030% | 4,738 |
| Return on assets (ROA) | -2.3030% | 4,735 |
| Pretax return on assets | -2.3030% | 4,730 |
| Return on Equity (ROE) | -12.7800% | 4,713 |
| Retained earnings to average equity (ytd only) | -12.7805% | 4,698 |
| Net charge-offs to loans | 3.0104% | 16 |
| Credit loss provision to net charge-offs | 82.1000% | 1,415 |
| Earnings coverage of net charge-offs (x) | -0.4230% | 4,715 |
| Efficiency ratio | 121.0030% | 67 |
| Assets per employee ($millions) | 5.2472% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,317 |
| Loan loss allowance to noncurrent loans | 54.0088% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6639% | 190 |
| Noncurrent loans to loans | 2.7606% | 182 |
| Net loans and leases to total assets | 59.3700% | 2,572 |
| Net loans and leases to deposits | 72.8658% | 2,138 |
| Net loans and leases to core deposits | 79.5119% | 1,934 |
| Total domestic deposits to total assets | 81.4800% | 3,907 |
| Equity capital to assets | 17.6210% | 293 |
| Core capital (leverage) ratio | 17.7637% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1914% | 162 |
| Memoranda: | ||
| Average total assets | $72,019,500 | 4,247 |
| Average earning assets | $57,306,750 | 4,328 |
| Average equity | $12,977,750 | 3,616 |
| Average total loans | $44,290,250 | 4,013 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0065% | 168 |
| Cost of funding earning assets | 0.4585% | 666 |
| Net interest margin | 4.5480% | 177 |
| Noninterest income to average assets | 0.2893% | 3,439 |
| Noninterest expense to average assets | 4.4700% | 219 |
| Loan and lease loss provision to assets | -0.6822% | 4,758 |
| Net operating income to assets | -0.1146% | 4,618 |
| Return on assets (ROA) | -0.1146% | 4,588 |
| Pretax return on assets | -0.1146% | 4,577 |
| Return on Equity (ROE) | -0.6317% | 4,579 |
| Retained earnings to average equity (ytd only) | -0.6317% | 4,257 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6939% | 73 |
| Assets per employee ($millions) | 4.7395% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 2,857 |
| Loan loss allowance to noncurrent loans | 46.0884% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.9087% | 158 |
| Noncurrent loans to loans | 2.5365% | 221 |
| Net loans and leases to total assets | 74.3690% | 876 |
| Net loans and leases to deposits | 95.6837% | 446 |
| Net loans and leases to core deposits | 117.7312% | 220 |
| Total domestic deposits to total assets | 77.7239% | 4,368 |
| Equity capital to assets | 21.4598% | 137 |
| Core capital (leverage) ratio | 18.0675% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9671% | 180 |
| Memoranda: | ||
| Average total assets | $73,288,000 | 4,280 |
| Average earning assets | $54,529,000 | 4,418 |
| Average equity | $13,297,000 | 3,654 |
| Average total loans | $45,349,000 | 4,042 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 108 |
| Cost of funding earning assets | 0.5227% | 445 |
| Net interest margin | 4.8156% | 118 |
| Noninterest income to average assets | 0.2173% | 3,857 |
| Noninterest expense to average assets | 3.8415% | 308 |
| Loan and lease loss provision to assets | -1.2636% | 4,789 |
| Net operating income to assets | 0.7127% | 3,009 |
| Return on assets (ROA) | 0.7127% | 2,997 |
| Pretax return on assets | 0.7127% | 3,355 |
| Return on Equity (ROE) | 4.2261% | 3,820 |
| Retained earnings to average equity (ytd only) | 4.2261% | 2,862 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.7435% | 95 |
| Assets per employee ($millions) | 7.1593% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,578 |
| Loan loss allowance to noncurrent loans | 42.0155% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6381% | 212 |
| Noncurrent loans to loans | 2.9863% | 181 |
| Net loans and leases to total assets | 54.1637% | 2,736 |
| Net loans and leases to deposits | 65.6291% | 2,367 |
| Net loans and leases to core deposits | 75.1312% | 1,838 |
| Total domestic deposits to total assets | 82.5300% | 4,015 |
| Equity capital to assets | 17.0358% | 266 |
| Core capital (leverage) ratio | 17.0778% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1408% | 176 |
| Memoranda: | ||
| Average total assets | $79,136,500 | 4,236 |
| Average earning assets | $50,503,000 | 4,480 |
| Average equity | $13,345,500 | 3,723 |
| Average total loans | $44,842,000 | 4,062 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2718% | 178 |
| Cost of funding earning assets | 0.6401% | 448 |
| Net interest margin | 4.6317% | 223 |
| Noninterest income to average assets | 0.1735% | 4,289 |
| Noninterest expense to average assets | 3.6687% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.3645% | 4,747 |
| Return on assets (ROA) | -0.3868% | 4,754 |
| Pretax return on assets | -0.3540% | 4,747 |
| Return on Equity (ROE) | -2.4174% | 4,743 |
| Retained earnings to average equity (ytd only) | -2.4174% | 4,639 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9403% | 96 |
| Assets per employee ($millions) | 6.6268% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7037% | 1,039 |
| Loan loss allowance to noncurrent loans | 58.0645% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.7153% | 220 |
| Noncurrent loans to loans | 2.9342% | 203 |
| Net loans and leases to total assets | 57.4628% | 2,433 |
| Net loans and leases to deposits | 69.2600% | 2,198 |
| Net loans and leases to core deposits | 81.7866% | 1,478 |
| Total domestic deposits to total assets | 82.9668% | 3,813 |
| Equity capital to assets | 16.6937% | 314 |
| Core capital (leverage) ratio | 16.6780% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5822% | 191 |
| Memoranda: | ||
| Average total assets | $85,317,200 | 4,150 |
| Average earning assets | $58,271,800 | 4,404 |
| Average equity | $13,651,000 | 3,775 |
| Average total loans | $56,713,400 | 3,881 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 289 |
| Cost of funding earning assets | 0.6544% | 489 |
| Net interest margin | 4.3683% | 389 |
| Noninterest income to average assets | 0.1767% | 4,319 |
| Noninterest expense to average assets | 3.6035% | 407 |
| Loan and lease loss provision to assets | 0.0542% | 1,899 |
| Net operating income to assets | -0.4564% | 4,824 |
| Return on assets (ROA) | -0.4856% | 4,833 |
| Pretax return on assets | -0.4426% | 4,827 |
| Return on Equity (ROE) | -3.0653% | 4,824 |
| Retained earnings to average equity (ytd only) | -3.0653% | 4,751 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0848% | 96 |
| Assets per employee ($millions) | 6.6843% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,455 |
| Loan loss allowance to noncurrent loans | 44.1067% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.3376% | 140 |
| Noncurrent loans to loans | 3.5210% | 162 |
| Net loans and leases to total assets | 65.3589% | 1,613 |
| Net loans and leases to deposits | 79.4402% | 1,337 |
| Net loans and leases to core deposits | 93.0478% | 867 |
| Total domestic deposits to total assets | 82.2743% | 3,869 |
| Equity capital to assets | 16.8742% | 344 |
| Core capital (leverage) ratio | 17.1225% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4189% | 241 |
| Memoranda: | ||
| Average total assets | $86,766,250 | 4,184 |
| Average earning assets | $60,921,750 | 4,435 |
| Average equity | $13,745,000 | 3,811 |
| Average total loans | $59,270,000 | 3,881 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 300 |
| Cost of funding earning assets | 0.7069% | 451 |
| Net interest margin | 4.3712% | 432 |
| Noninterest income to average assets | 0.1956% | 4,219 |
| Noninterest expense to average assets | 3.3749% | 554 |
| Loan and lease loss provision to assets | 0.0382% | 2,231 |
| Net operating income to assets | -0.1799% | 4,826 |
| Return on assets (ROA) | -0.2226% | 4,837 |
| Pretax return on assets | -0.1596% | 4,824 |
| Return on Equity (ROE) | -1.4332% | 4,830 |
| Retained earnings to average equity (ytd only) | -1.4332% | 4,635 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3874% | 145 |
| Assets per employee ($millions) | 6.7035% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 1,407 |
| Loan loss allowance to noncurrent loans | 41.2966% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.4353% | 145 |
| Noncurrent loans to loans | 3.7661% | 153 |
| Net loans and leases to total assets | 63.6570% | 1,985 |
| Net loans and leases to deposits | 77.3485% | 1,692 |
| Net loans and leases to core deposits | 90.5405% | 1,104 |
| Total domestic deposits to total assets | 82.2990% | 3,862 |
| Equity capital to assets | 17.0955% | 320 |
| Core capital (leverage) ratio | 17.5263% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4435% | 262 |
| Memoranda: | ||
| Average total assets | $88,951,333 | 4,185 |
| Average earning assets | $63,095,000 | 4,435 |
| Average equity | $13,815,000 | 3,809 |
| Average total loans | $61,276,000 | 3,873 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 464 |
| Cost of funding earning assets | 0.7583% | 432 |
| Net interest margin | 4.0793% | 749 |
| Noninterest income to average assets | 0.1974% | 4,204 |
| Noninterest expense to average assets | 3.1929% | 725 |
| Loan and lease loss provision to assets | 0.0730% | 1,716 |
| Net operating income to assets | -0.0901% | 4,808 |
| Return on assets (ROA) | -0.1717% | 4,831 |
| Pretax return on assets | -0.1717% | 4,827 |
| Return on Equity (ROE) | -1.1555% | 4,830 |
| Retained earnings to average equity (ytd only) | -1.1555% | 4,479 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5405% | 185 |
| Assets per employee ($millions) | 9.4294% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,938 |
| Loan loss allowance to noncurrent loans | 40.5311% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 2.1168% | 227 |
| Noncurrent loans to loans | 2.9596% | 272 |
| Net loans and leases to total assets | 70.6641% | 1,196 |
| Net loans and leases to deposits | 83.1891% | 1,226 |
| Net loans and leases to core deposits | 131.6604% | 134 |
| Total domestic deposits to total assets | 84.9439% | 3,119 |
| Equity capital to assets | 14.6680% | 550 |
| Core capital (leverage) ratio | 14.0510% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3062% | 166 |
| Memoranda: | ||
| Average total assets | $93,206,000 | 4,149 |
| Average earning assets | $68,050,500 | 4,384 |
| Average equity | $13,846,500 | 3,807 |
| Average total loans | $65,906,000 | 3,816 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9844% | 505 |
| Cost of funding earning assets | 0.9016% | 854 |
| Net interest margin | 4.0828% | 815 |
| Noninterest income to average assets | 0.2067% | 4,237 |
| Noninterest expense to average assets | 4.2736% | 295 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.4577% | 4,872 |
| Return on assets (ROA) | -0.5839% | 4,896 |
| Pretax return on assets | -0.8228% | 4,914 |
| Return on Equity (ROE) | -3.1543% | 4,871 |
| Retained earnings to average equity (ytd only) | -3.1543% | 4,770 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3643% | 81 |
| Assets per employee ($millions) | 7.6780% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,791 |
| Loan loss allowance to noncurrent loans | 39.2857% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1881% | 241 |
| Noncurrent loans to loans | 3.1318% | 264 |
| Net loans and leases to total assets | 69.0056% | 1,687 |
| Net loans and leases to deposits | 81.4739% | 1,712 |
| Net loans and leases to core deposits | 113.4488% | 422 |
| Total domestic deposits to total assets | 84.6965% | 2,883 |
| Equity capital to assets | 15.0647% | 565 |
| Core capital (leverage) ratio | 17.3907% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2824% | 283 |
| Memoranda: | ||
| Average total assets | $74,503,800 | 4,316 |
| Average earning assets | $62,113,800 | 4,413 |
| Average equity | $13,790,800 | 3,788 |
| Average total loans | $54,670,800 | 4,005 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7176% | 1,024 |
| Cost of funding earning assets | 0.9610% | 873 |
| Net interest margin | 3.7566% | 1,741 |
| Noninterest income to average assets | 0.2225% | 4,163 |
| Noninterest expense to average assets | 4.6621% | 224 |
| Loan and lease loss provision to assets | 0.2440% | 1,666 |
| Net operating income to assets | -1.4190% | 4,972 |
| Return on assets (ROA) | -1.8203% | 4,986 |
| Pretax return on assets | -1.8203% | 4,981 |
| Return on Equity (ROE) | -9.2673% | 4,959 |
| Retained earnings to average equity (ytd only) | -9.2673% | 4,919 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.7152% | 54 |
| Assets per employee ($millions) | 5.9325% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 1,013 |
| Loan loss allowance to noncurrent loans | 49.6224% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 2.6043% | 194 |
| Noncurrent loans to loans | 3.2908% | 265 |
| Net loans and leases to total assets | 77.8466% | 848 |
| Net loans and leases to deposits | 96.5084% | 726 |
| Net loans and leases to core deposits | 142.3555% | 154 |
| Total domestic deposits to total assets | 80.6630% | 3,739 |
| Equity capital to assets | 18.7568% | 250 |
| Core capital (leverage) ratio | 19.3084% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3605% | 234 |
| Memoranda: | ||
| Average total assets | $70,095,750 | 4,391 |
| Average earning assets | $60,904,750 | 4,447 |
| Average equity | $13,768,500 | 3,787 |
| Average total loans | $52,245,750 | 4,085 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 1,206 |
| Cost of funding earning assets | 1.0605% | 816 |
| Net interest margin | 3.7247% | 2,077 |
| Noninterest income to average assets | 0.2381% | 4,051 |
| Noninterest expense to average assets | 4.8529% | 203 |
| Loan and lease loss provision to assets | 0.3671% | 1,143 |
| Net operating income to assets | -1.6980% | 5,009 |
| Return on assets (ROA) | -1.6320% | 5,004 |
| Pretax return on assets | -1.6320% | 4,991 |
| Return on Equity (ROE) | -8.1829% | 4,971 |
| Retained earnings to average equity (ytd only) | -8.1829% | 4,887 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.7850% | 54 |
| Assets per employee ($millions) | 5.2018% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 643 |
| Loan loss allowance to noncurrent loans | 39.3667% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 3.7439% | 98 |
| Noncurrent loans to loans | 4.5939% | 130 |
| Net loans and leases to total assets | 80.0244% | 593 |
| Net loans and leases to deposits | 102.9408% | 417 |
| Net loans and leases to core deposits | 161.1823% | 78 |
| Total domestic deposits to total assets | 77.7383% | 4,221 |
| Equity capital to assets | 21.7427% | 154 |
| Core capital (leverage) ratio | 21.0728% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7648% | 245 |
| Memoranda: | ||
| Average total assets | $69,731,000 | 4,403 |
| Average earning assets | $61,480,667 | 4,448 |
| Average equity | $13,907,000 | 3,780 |
| Average total loans | $50,881,333 | 4,121 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0281% | 913 |
| Cost of funding earning assets | 1.2249% | 707 |
| Net interest margin | 3.8031% | 1,960 |
| Noninterest income to average assets | 0.2669% | 3,939 |
| Noninterest expense to average assets | 4.2380% | 401 |
| Loan and lease loss provision to assets | 0.0436% | 3,233 |
| Net operating income to assets | -0.7844% | 4,968 |
| Return on assets (ROA) | -0.6591% | 4,930 |
| Pretax return on assets | -0.6591% | 4,913 |
| Return on Equity (ROE) | -3.4278% | 4,888 |
| Retained earnings to average equity (ytd only) | -3.4278% | 4,400 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1838% | 105 |
| Assets per employee ($millions) | 5.7136% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,194 |
| Loan loss allowance to noncurrent loans | 32.3285% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 3.0817% | 184 |
| Noncurrent loans to loans | 4.7918% | 134 |
| Net loans and leases to total assets | 63.3157% | 3,147 |
| Net loans and leases to deposits | 78.4641% | 2,837 |
| Net loans and leases to core deposits | 120.2603% | 459 |
| Total domestic deposits to total assets | 80.6939% | 3,725 |
| Equity capital to assets | 18.9278% | 292 |
| Core capital (leverage) ratio | 19.5149% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8753% | 251 |
| Memoranda: | ||
| Average total assets | $73,431,500 | 4,352 |
| Average earning assets | $62,370,000 | 4,446 |
| Average equity | $14,120,000 | 3,761 |
| Average total loans | $50,886,000 | 4,140 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6635% | 430 |
| Cost of funding earning assets | 1.7089% | 189 |
| Net interest margin | 3.9545% | 1,982 |
| Noninterest income to average assets | 0.3213% | 3,764 |
| Noninterest expense to average assets | 3.9563% | 559 |
| Loan and lease loss provision to assets | -0.0763% | 5,044 |
| Net operating income to assets | -0.0235% | 4,979 |
| Return on assets (ROA) | 0.0200% | 4,982 |
| Pretax return on assets | 0.0425% | 4,962 |
| Return on Equity (ROE) | 0.1128% | 4,987 |
| Retained earnings to average equity (ytd only) | 0.1128% | 4,655 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2948% | 139 |
| Assets per employee ($millions) | 5.5835% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 1,693 |
| Loan loss allowance to noncurrent loans | 37.5835% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 2.6796% | 224 |
| Noncurrent loans to loans | 3.6017% | 226 |
| Net loans and leases to total assets | 73.3916% | 1,860 |
| Net loans and leases to deposits | 91.5389% | 1,423 |
| Net loans and leases to core deposits | 169.0638% | 67 |
| Total domestic deposits to total assets | 80.1752% | 3,941 |
| Equity capital to assets | 19.5368% | 268 |
| Core capital (leverage) ratio | 18.5813% | 304 |
| Tier 1 risk-based capital ratio | 30.5668% | 453 |
| Total risk-based capital ratio | 31.8210% | 447 |
| Memoranda: | ||
| Average total assets | $79,998,400 | 4,285 |
| Average earning assets | $71,740,200 | 4,318 |
| Average equity | $14,183,000 | 3,724 |
| Average total loans | $57,842,600 | 4,015 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6721% | 436 |
| Cost of funding earning assets | 1.7676% | 157 |
| Net interest margin | 3.9045% | 2,236 |
| Noninterest income to average assets | 0.3633% | 3,546 |
| Noninterest expense to average assets | 3.8019% | 657 |
| Loan and lease loss provision to assets | -0.0065% | 5,049 |
| Net operating income to assets | 0.0167% | 5,058 |
| Return on assets (ROA) | 0.0733% | 5,050 |
| Pretax return on assets | 0.1189% | 5,028 |
| Return on Equity (ROE) | 0.4230% | 5,059 |
| Retained earnings to average equity (ytd only) | 0.4230% | 4,682 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9402% | 162 |
| Assets per employee ($millions) | 5.9037% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,344 |
| Loan loss allowance to noncurrent loans | 39.2430% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 2.4295% | 295 |
| Noncurrent loans to loans | 3.1289% | 301 |
| Net loans and leases to total assets | 76.6914% | 1,361 |
| Net loans and leases to deposits | 93.3287% | 1,289 |
| Net loans and leases to core deposits | 217.7948% | 37 |
| Total domestic deposits to total assets | 82.1735% | 3,426 |
| Equity capital to assets | 17.1998% | 467 |
| Core capital (leverage) ratio | 17.0347% | 438 |
| Tier 1 risk-based capital ratio | 27.3484% | 618 |
| Total risk-based capital ratio | 28.6009% | 603 |
| Memoranda: | ||
| Average total assets | $81,851,500 | 4,314 |
| Average earning assets | $72,940,000 | 4,357 |
| Average equity | $14,183,500 | 3,758 |
| Average total loans | $58,802,500 | 4,054 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5165% | 552 |
| Cost of funding earning assets | 1.7642% | 150 |
| Net interest margin | 3.7523% | 2,745 |
| Noninterest income to average assets | 0.4266% | 3,088 |
| Noninterest expense to average assets | 3.7090% | 744 |
| Loan and lease loss provision to assets | -0.0098% | 5,122 |
| Net operating income to assets | -0.0362% | 5,113 |
| Return on assets (ROA) | 0.0490% | 5,093 |
| Pretax return on assets | 0.1201% | 5,059 |
| Return on Equity (ROE) | 0.2822% | 5,096 |
| Retained earnings to average equity (ytd only) | 0.2822% | 4,615 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9339% | 161 |
| Assets per employee ($millions) | 6.6023% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 78.5199% | 1,122 |
| Net loans and leases to deposits | 96.2913% | 1,006 |
| Net loans and leases to core deposits | 245.2843% | 32 |
| Total domestic deposits to total assets | 81.5442% | 3,652 |
| Equity capital to assets | 17.8853% | 393 |
| Core capital (leverage) ratio | 17.5729% | 375 |
| Tier 1 risk-based capital ratio | 26.5502% | 653 |
| Total risk-based capital ratio | 27.8033% | 645 |
| Memoranda: | ||
| Average total assets | $81,584,670 | 4,355 |
| Average earning assets | $71,422,330 | 4,416 |
| Average equity | $14,172,670 | 3,764 |
| Average total loans | $57,011,670 | 4,101 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8087% | 308 |
| Cost of funding earning assets | 1.7694% | 116 |
| Net interest margin | 4.0393% | 1,714 |
| Noninterest income to average assets | 0.3770% | 3,341 |
| Noninterest expense to average assets | 3.4895% | 978 |
| Loan and lease loss provision to assets | -0.1885% | 5,311 |
| Net operating income to assets | 0.3503% | 4,831 |
| Return on assets (ROA) | 0.4011% | 4,742 |
| Pretax return on assets | 0.4930% | 4,707 |
| Return on Equity (ROE) | 2.3423% | 4,920 |
| Retained earnings to average equity (ytd only) | 2.3423% | 3,971 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5233% | 290 |
| Assets per employee ($millions) | 6.7848% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 1,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 58.1987% | 3,865 |
| Net loans and leases to deposits | 69.7251% | 3,779 |
| Net loans and leases to core deposits | 126.8264% | 361 |
| Total domestic deposits to total assets | 83.4688% | 3,230 |
| Equity capital to assets | 16.1423% | 551 |
| Core capital (leverage) ratio | 18.6252% | 297 |
| Tier 1 risk-based capital ratio | 25.6911% | 707 |
| Total risk-based capital ratio | 26.9427% | 693 |
| Memoranda: | ||
| Average total assets | $82,763,500 | 4,370 |
| Average earning assets | $68,724,000 | 4,502 |
| Average equity | $14,174,000 | 3,776 |
| Average total loans | $54,019,000 | 4,209 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 483 |
| Cost of funding earning assets | 1.2395% | 290 |
| Net interest margin | 4.1551% | 1,517 |
| Noninterest income to average assets | 0.1615% | 4,913 |
| Noninterest expense to average assets | 3.9767% | 551 |
| Loan and lease loss provision to assets | -0.0420% | 5,178 |
| Net operating income to assets | 0.1615% | 5,136 |
| Return on assets (ROA) | 0.1501% | 5,138 |
| Pretax return on assets | 0.1501% | 5,149 |
| Return on Equity (ROE) | 0.8428% | 5,179 |
| Retained earnings to average equity (ytd only) | 0.8428% | 4,762 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0817% | 188 |
| Assets per employee ($millions) | 5.9511% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 1,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.2993% | 2,380 |
| Net loans and leases to deposits | 87.7171% | 2,081 |
| Net loans and leases to core deposits | 184.9765% | 49 |
| Total domestic deposits to total assets | 81.2833% | 3,828 |
| Equity capital to assets | 18.2902% | 321 |
| Core capital (leverage) ratio | 18.2011% | 316 |
| Tier 1 risk-based capital ratio | 24.3104% | 798 |
| Total risk-based capital ratio | 25.5607% | 779 |
| Memoranda: | ||
| Average total assets | $78,633,800 | 4,444 |
| Average earning assets | $74,462,600 | 4,411 |
| Average equity | $14,001,400 | 3,748 |
| Average total loans | $59,591,000 | 4,100 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 733 |
| Cost of funding earning assets | 1.1521% | 322 |
| Net interest margin | 3.9645% | 2,070 |
| Noninterest income to average assets | 0.1638% | 4,967 |
| Noninterest expense to average assets | 4.0328% | 507 |
| Loan and lease loss provision to assets | -0.0169% | 5,230 |
| Net operating income to assets | -0.0574% | 5,322 |
| Return on assets (ROA) | -0.0743% | 5,324 |
| Pretax return on assets | -0.0743% | 5,319 |
| Return on Equity (ROE) | -0.4201% | 5,314 |
| Retained earnings to average equity (ytd only) | -0.4201% | 5,091 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8771% | 127 |
| Assets per employee ($millions) | 6.3878% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.0521% | 1,804 |
| Net loans and leases to deposits | 91.0039% | 1,755 |
| Net loans and leases to core deposits | 201.3765% | 38 |
| Total domestic deposits to total assets | 82.4713% | 3,469 |
| Equity capital to assets | 16.7050% | 442 |
| Core capital (leverage) ratio | 18.0218% | 329 |
| Tier 1 risk-based capital ratio | 23.0849% | 929 |
| Total risk-based capital ratio | 24.3357% | 906 |
| Memoranda: | ||
| Average total assets | $78,951,250 | 4,495 |
| Average earning assets | $75,568,000 | 4,435 |
| Average equity | $13,964,250 | 3,779 |
| Average total loans | $60,500,750 | 4,124 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 934 |
| Cost of funding earning assets | 1.0201% | 428 |
| Net interest margin | 3.9230% | 2,130 |
| Noninterest income to average assets | 0.1495% | 5,076 |
| Noninterest expense to average assets | 4.1604% | 433 |
| Loan and lease loss provision to assets | 0.0516% | 2,884 |
| Net operating income to assets | -0.2758% | 5,407 |
| Return on assets (ROA) | -0.3016% | 5,407 |
| Pretax return on assets | -0.3016% | 5,406 |
| Return on Equity (ROE) | -1.6720% | 5,392 |
| Retained earnings to average equity (ytd only) | -1.6720% | 5,124 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6974% | 116 |
| Assets per employee ($millions) | 7.4393% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 2,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.4033% | 1,253 |
| Net loans and leases to deposits | 96.7386% | 1,067 |
| Net loans and leases to core deposits | 209.8071% | 36 |
| Total domestic deposits to total assets | 81.0465% | 3,985 |
| Equity capital to assets | 16.9420% | 407 |
| Core capital (leverage) ratio | 18.3886% | 301 |
| Tier 1 risk-based capital ratio | 22.7375% | 957 |
| Total risk-based capital ratio | 23.9886% | 941 |
| Memoranda: | ||
| Average total assets | $77,588,000 | 4,558 |
| Average earning assets | $74,892,000 | 4,490 |
| Average equity | $13,995,000 | 3,799 |
| Average total loans | $59,621,330 | 4,169 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 969 |
| Cost of funding earning assets | 0.9333% | 505 |
| Net interest margin | 3.9198% | 1,967 |
| Noninterest income to average assets | 0.1378% | 5,180 |
| Noninterest expense to average assets | 4.5159% | 289 |
| Loan and lease loss provision to assets | 0.0848% | 2,108 |
| Net operating income to assets | -0.6785% | 5,516 |
| Return on assets (ROA) | -0.7315% | 5,521 |
| Pretax return on assets | -0.7315% | 5,520 |
| Return on Equity (ROE) | -3.9259% | 5,484 |
| Retained earnings to average equity (ytd only) | -3.9259% | 5,136 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1351% | 79 |
| Assets per employee ($millions) | 5.7697% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 1,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 76.8392% | 1,408 |
| Net loans and leases to deposits | 95.0915% | 1,119 |
| Net loans and leases to core deposits | 185.6227% | 44 |
| Total domestic deposits to total assets | 80.8055% | 4,245 |
| Equity capital to assets | 18.5612% | 279 |
| Core capital (leverage) ratio | 18.5698% | 281 |
| Tier 1 risk-based capital ratio | 23.4607% | 898 |
| Total risk-based capital ratio | 24.7120% | 875 |
| Memoranda: | ||
| Average total assets | $75,466,000 | 4,654 |
| Average earning assets | $72,860,500 | 4,579 |
| Average equity | $14,060,500 | 3,823 |
| Average total loans | $56,927,500 | 4,283 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 702 |
| Cost of funding earning assets | 0.8870% | 400 |
| Net interest margin | 4.0680% | 1,537 |
| Noninterest income to average assets | 0.1879% | 5,014 |
| Noninterest expense to average assets | 4.4227% | 337 |
| Loan and lease loss provision to assets | -0.1792% | 5,566 |
| Net operating income to assets | -0.2931% | 5,473 |
| Return on assets (ROA) | -0.1768% | 5,447 |
| Pretax return on assets | -0.1829% | 5,494 |
| Return on Equity (ROE) | -0.9994% | 5,429 |
| Retained earnings to average equity (ytd only) | -0.9994% | 5,185 |
| Net charge-offs to loans | -0.0181% | 4,929 |
| Credit loss provision to net charge-offs | 1,450.0000% | 274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2334% | 89 |
| Assets per employee ($millions) | 3.7963% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 1,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.8542% | 2,260 |
| Net loans and leases to deposits | 89.5109% | 1,834 |
| Net loans and leases to core deposits | 188.8012% | 44 |
| Total domestic deposits to total assets | 80.2742% | 4,288 |
| Equity capital to assets | 18.7011% | 265 |
| Core capital (leverage) ratio | 17.4813% | 334 |
| Tier 1 risk-based capital ratio | 24.8557% | 734 |
| Total risk-based capital ratio | 26.1078% | 717 |
| Memoranda: | ||
| Average total assets | $80,901,000 | 4,571 |
| Average earning assets | $74,631,400 | 4,572 |
| Average equity | $14,308,400 | 3,808 |
| Average total loans | $55,290,200 | 4,316 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 676 |
| Cost of funding earning assets | 0.8733% | 407 |
| Net interest margin | 4.0770% | 1,456 |
| Noninterest income to average assets | 0.1883% | 5,072 |
| Noninterest expense to average assets | 4.1876% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0858% | 5,545 |
| Return on assets (ROA) | 0.0097% | 5,511 |
| Pretax return on assets | -0.1217% | 5,550 |
| Return on Equity (ROE) | 0.0558% | 5,515 |
| Retained earnings to average equity (ytd only) | 0.0558% | 5,195 |
| Net charge-offs to loans | -0.0193% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9208% | 112 |
| Assets per employee ($millions) | 4.0105% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7835% | 880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 66.4593% | 3,048 |
| Net loans and leases to deposits | 81.8898% | 2,790 |
| Net loans and leases to core deposits | 166.6312% | 77 |
| Total domestic deposits to total assets | 81.1570% | 4,006 |
| Equity capital to assets | 17.9105% | 342 |
| Core capital (leverage) ratio | 17.4976% | 342 |
| Tier 1 risk-based capital ratio | 24.2072% | 829 |
| Total risk-based capital ratio | 25.4626% | 807 |
| Memoranda: | ||
| Average total assets | $82,144,750 | 4,598 |
| Average earning assets | $75,118,250 | 4,604 |
| Average equity | $14,335,750 | 3,843 |
| Average total loans | $55,267,500 | 4,354 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 605 |
| Cost of funding earning assets | 0.8373% | 428 |
| Net interest margin | 4.1176% | 1,278 |
| Noninterest income to average assets | 0.1788% | 5,158 |
| Noninterest expense to average assets | 4.2445% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0760% | 5,579 |
| Return on assets (ROA) | -0.0048% | 5,557 |
| Pretax return on assets | -0.2005% | 5,607 |
| Return on Equity (ROE) | -0.0279% | 5,557 |
| Retained earnings to average equity (ytd only) | -0.0279% | 5,083 |
| Net charge-offs to loans | -0.0180% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9238% | 117 |
| Assets per employee ($millions) | 4.1008% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 1,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 67.7913% | 2,843 |
| Net loans and leases to deposits | 82.8118% | 2,615 |
| Net loans and leases to core deposits | 169.6902% | 68 |
| Total domestic deposits to total assets | 81.8619% | 3,925 |
| Equity capital to assets | 17.4663% | 365 |
| Core capital (leverage) ratio | 17.4311% | 335 |
| Tier 1 risk-based capital ratio | 22.8393% | 966 |
| Total risk-based capital ratio | 24.0910% | 947 |
| Memoranda: | ||
| Average total assets | $82,789,670 | 4,612 |
| Average earning assets | $75,480,330 | 4,623 |
| Average equity | $14,325,670 | 3,849 |
| Average total loans | $55,598,330 | 4,365 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 862 |
| Cost of funding earning assets | 0.8105% | 457 |
| Net interest margin | 3.9306% | 1,673 |
| Noninterest income to average assets | 0.1202% | 5,512 |
| Noninterest expense to average assets | 4.1790% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2758% | 5,695 |
| Return on assets (ROA) | -0.2020% | 5,680 |
| Pretax return on assets | -0.3751% | 5,706 |
| Return on Equity (ROE) | -1.1727% | 5,662 |
| Retained earnings to average equity (ytd only) | -1.1727% | 5,093 |
| Net charge-offs to loans | -0.0218% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2986% | 96 |
| Assets per employee ($millions) | 4.1184% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 1,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 67.4688% | 2,750 |
| Net loans and leases to deposits | 82.1293% | 2,494 |
| Net loans and leases to core deposits | 162.7577% | 75 |
| Total domestic deposits to total assets | 82.1494% | 4,130 |
| Equity capital to assets | 17.3710% | 349 |
| Core capital (leverage) ratio | 17.3877% | 334 |
| Tier 1 risk-based capital ratio | 22.4603% | 1,037 |
| Total risk-based capital ratio | 23.7134% | 1,019 |
| Memoranda: | ||
| Average total assets | $83,177,000 | 4,654 |
| Average earning assets | $75,511,000 | 4,667 |
| Average equity | $14,326,000 | 3,869 |
| Average total loans | $55,116,000 | 4,421 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 1,290 |
| Cost of funding earning assets | 0.7661% | 594 |
| Net interest margin | 3.8294% | 2,214 |
| Noninterest income to average assets | 0.1809% | 5,317 |
| Noninterest expense to average assets | 4.0242% | 576 |
| Loan and lease loss provision to assets | 0.4758% | 296 |
| Net operating income to assets | -0.4730% | 5,780 |
| Return on assets (ROA) | -0.1597% | 5,713 |
| Pretax return on assets | -0.4992% | 5,779 |
| Return on Equity (ROE) | -1.0276% | 5,707 |
| Retained earnings to average equity (ytd only) | -1.0276% | 5,448 |
| Net charge-offs to loans | 0.1600% | 1,681 |
| Credit loss provision to net charge-offs | 573.0769% | 594 |
| Earnings coverage of net charge-offs (x) | -6.1795% | 4,227 |
| Efficiency ratio | 114.6105% | 103 |
| Assets per employee ($millions) | 4.1994% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 62.7919% | 3,503 |
| Net loans and leases to deposits | 76.0107% | 3,312 |
| Net loans and leases to core deposits | 154.0531% | 99 |
| Total domestic deposits to total assets | 82.6092% | 3,893 |
| Equity capital to assets | 17.0788% | 378 |
| Core capital (leverage) ratio | 16.8688% | 369 |
| Tier 1 risk-based capital ratio | 23.2995% | 937 |
| Total risk-based capital ratio | 24.5537% | 923 |
| Memoranda: | ||
| Average total assets | $93,955,400 | 4,469 |
| Average earning assets | $81,709,200 | 4,552 |
| Average equity | $14,596,600 | 3,860 |
| Average total loans | $48,749,800 | 4,606 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 1,463 |
| Cost of funding earning assets | 0.7558% | 619 |
| Net interest margin | 3.7693% | 2,454 |
| Noninterest income to average assets | 0.1880% | 5,332 |
| Noninterest expense to average assets | 3.9371% | 639 |
| Loan and lease loss provision to assets | 0.6179% | 189 |
| Net operating income to assets | -0.5196% | 5,860 |
| Return on assets (ROA) | -0.1728% | 5,799 |
| Pretax return on assets | -0.5709% | 5,860 |
| Return on Equity (ROE) | -1.1369% | 5,786 |
| Retained earnings to average equity (ytd only) | -1.1369% | 5,509 |
| Net charge-offs to loans | 0.2638% | 885 |
| Credit loss provision to net charge-offs | 475.5319% | 739 |
| Earnings coverage of net charge-offs (x) | -3.8085% | 3,886 |
| Efficiency ratio | 114.3775% | 103 |
| Assets per employee ($millions) | 4.4186% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 1,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 60.4452% | 3,822 |
| Net loans and leases to deposits | 73.4089% | 3,653 |
| Net loans and leases to core deposits | 143.6686% | 166 |
| Total domestic deposits to total assets | 82.3404% | 3,828 |
| Equity capital to assets | 16.5371% | 480 |
| Core capital (leverage) ratio | 16.1269% | 454 |
| Tier 1 risk-based capital ratio | 23.6229% | 934 |
| Total risk-based capital ratio | 24.8775% | 921 |
| Memoranda: | ||
| Average total assets | $96,447,500 | 4,452 |
| Average earning assets | $83,266,250 | 4,566 |
| Average equity | $14,659,750 | 3,887 |
| Average total loans | $47,513,000 | 4,682 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 1,369 |
| Cost of funding earning assets | 0.7565% | 606 |
| Net interest margin | 3.7992% | 2,317 |
| Noninterest income to average assets | 0.1876% | 5,372 |
| Noninterest expense to average assets | 3.7926% | 775 |
| Loan and lease loss provision to assets | 0.8412% | 122 |
| Net operating income to assets | -0.2904% | 5,872 |
| Return on assets (ROA) | 0.0504% | 5,758 |
| Pretax return on assets | -0.6718% | 5,943 |
| Return on Equity (ROE) | 0.3407% | 5,764 |
| Retained earnings to average equity (ytd only) | 0.3407% | 5,200 |
| Net charge-offs to loans | 0.4245% | 533 |
| Credit loss provision to net charge-offs | 434.3750% | 731 |
| Earnings coverage of net charge-offs (x) | -1.8750% | 3,603 |
| Efficiency ratio | 110.5882% | 142 |
| Assets per employee ($millions) | 4.5846% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 1,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 55.1967% | 4,395 |
| Net loans and leases to deposits | 66.6803% | 4,293 |
| Net loans and leases to core deposits | 153.6087% | 106 |
| Total domestic deposits to total assets | 82.7782% | 3,733 |
| Equity capital to assets | 16.2010% | 511 |
| Core capital (leverage) ratio | 14.6642% | 676 |
| Tier 1 risk-based capital ratio | 28.4416% | 569 |
| Total risk-based capital ratio | 29.6971% | 557 |
| Memoranda: | ||
| Average total assets | $99,139,670 | 4,434 |
| Average earning assets | $84,597,000 | 4,573 |
| Average equity | $14,675,000 | 3,902 |
| Average total loans | $45,231,000 | 4,792 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 2,258 |
| Cost of funding earning assets | 0.7532% | 621 |
| Net interest margin | 3.5105% | 3,430 |
| Noninterest income to average assets | 0.1555% | 5,561 |
| Noninterest expense to average assets | 3.7059% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0448% | 5,751 |
| Return on assets (ROA) | 0.1867% | 5,609 |
| Pretax return on assets | -0.3928% | 5,939 |
| Return on Equity (ROE) | 1.3164% | 5,644 |
| Retained earnings to average equity (ytd only) | 1.3164% | 4,734 |
| Net charge-offs to loans | 0.9314% | 209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -1.6122% | 3,016 |
| Efficiency ratio | 119.8742% | 104 |
| Assets per employee ($millions) | 5.1138% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 3,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 42.2064% | 5,340 |
| Net loans and leases to deposits | 49.9046% | 5,344 |
| Net loans and leases to core deposits | 96.2024% | 1,775 |
| Total domestic deposits to total assets | 84.5741% | 3,287 |
| Equity capital to assets | 14.4178% | 856 |
| Core capital (leverage) ratio | 14.3096% | 735 |
| Tier 1 risk-based capital ratio | 28.8810% | 553 |
| Total risk-based capital ratio | 29.8540% | 554 |
| Memoranda: | ||
| Average total assets | $102,863,500 | 4,409 |
| Average earning assets | $86,027,500 | 4,576 |
| Average equity | $14,585,000 | 3,916 |
| Average total loans | $42,085,500 | 4,933 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,397 |
| Cost of funding earning assets | 0.6942% | 847 |
| Net interest margin | 3.5528% | 3,314 |
| Noninterest income to average assets | 0.1858% | 5,483 |
| Noninterest expense to average assets | 3.0238% | 2,466 |
| Loan and lease loss provision to assets | 0.2176% | 951 |
| Net operating income to assets | 0.0408% | 5,826 |
| Return on assets (ROA) | 0.3863% | 5,175 |
| Pretax return on assets | 0.4843% | 5,145 |
| Return on Equity (ROE) | 3.1299% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.1299% | 3,827 |
| Net charge-offs to loans | -0.1373% | 5,868 |
| Credit loss provision to net charge-offs | -460.0000% | 5,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7994% | 581 |
| Assets per employee ($millions) | 5.4448% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 2,185 |
| Loan loss allowance to noncurrent loans | 59.7573% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9560% | 2,279 |
| Noncurrent loans to loans | 2.4413% | 768 |
| Net loans and leases to total assets | 38.5883% | 5,594 |
| Net loans and leases to deposits | 45.2710% | 5,602 |
| Net loans and leases to core deposits | 83.2187% | 3,029 |
| Total domestic deposits to total assets | 85.2384% | 2,978 |
| Equity capital to assets | 13.9428% | 952 |
| Core capital (leverage) ratio | 12.4478% | 1,372 |
| Tier 1 risk-based capital ratio | 29.2425% | 543 |
| Total risk-based capital ratio | 30.4275% | 535 |
| Memoranda: | ||
| Average total assets | $116,245,800 | 4,129 |
| Average earning assets | $101,693,200 | 4,244 |
| Average equity | $14,345,600 | 3,932 |
| Average total loans | $40,067,000 | 5,014 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 2,416 |
| Cost of funding earning assets | 0.6889% | 888 |
| Net interest margin | 3.5581% | 3,310 |
| Noninterest income to average assets | 0.1831% | 5,561 |
| Noninterest expense to average assets | 2.9290% | 2,748 |
| Loan and lease loss provision to assets | 0.2110% | 925 |
| Net operating income to assets | 0.1447% | 5,785 |
| Return on assets (ROA) | 0.5034% | 4,863 |
| Pretax return on assets | 0.6452% | 4,843 |
| Return on Equity (ROE) | 4.1974% | 4,957 |
| Retained earnings to average equity (ytd only) | 4.1974% | 3,481 |
| Net charge-offs to loans | -0.1802% | 5,965 |
| Credit loss provision to net charge-offs | -350.0000% | 5,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0832% | 836 |
| Assets per employee ($millions) | 5.9802% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 2,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 34.4361% | 5,842 |
| Net loans and leases to deposits | 40.0809% | 5,861 |
| Net loans and leases to core deposits | 73.0231% | 4,100 |
| Total domestic deposits to total assets | 85.9164% | 2,574 |
| Equity capital to assets | 13.4296% | 1,264 |
| Core capital (leverage) ratio | 12.0542% | 1,647 |
| Tier 1 risk-based capital ratio | 23.7716% | 967 |
| Total risk-based capital ratio | 24.6435% | 1,001 |
| Memoranda: | ||
| Average total assets | $119,444,500 | 4,127 |
| Average earning assets | $105,484,500 | 4,196 |
| Average equity | $14,326,000 | 3,975 |
| Average total loans | $39,956,000 | 5,068 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 2,193 |
| Cost of funding earning assets | 0.6832% | 923 |
| Net interest margin | 3.6082% | 3,055 |
| Noninterest income to average assets | 0.1637% | 5,720 |
| Noninterest expense to average assets | 2.8692% | 3,001 |
| Loan and lease loss provision to assets | 0.3064% | 492 |
| Net operating income to assets | 0.1719% | 5,760 |
| Return on assets (ROA) | 0.6906% | 4,048 |
| Pretax return on assets | 0.8721% | 4,063 |
| Return on Equity (ROE) | 5.9653% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.9653% | 2,265 |
| Net charge-offs to loans | -0.2160% | 6,046 |
| Credit loss provision to net charge-offs | -429.5455% | 5,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6080% | 1,201 |
| Assets per employee ($millions) | 6.8078% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 31.9477% | 5,981 |
| Net loans and leases to deposits | 36.6286% | 6,015 |
| Net loans and leases to core deposits | 64.5778% | 4,769 |
| Total domestic deposits to total assets | 87.2206% | 2,051 |
| Equity capital to assets | 12.2083% | 1,869 |
| Core capital (leverage) ratio | 11.3983% | 2,073 |
| Tier 1 risk-based capital ratio | 28.4642% | 620 |
| Total risk-based capital ratio | 29.4709% | 621 |
| Memoranda: | ||
| Average total assets | $123,378,330 | 4,084 |
| Average earning assets | $110,360,330 | 4,145 |
| Average equity | $14,282,670 | 4,004 |
| Average total loans | $40,743,670 | 5,077 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 1,428 |
| Cost of funding earning assets | 0.6713% | 995 |
| Net interest margin | 3.8385% | 2,103 |
| Noninterest income to average assets | 0.1321% | 5,940 |
| Noninterest expense to average assets | 2.8239% | 3,163 |
| Loan and lease loss provision to assets | 0.2516% | 654 |
| Net operating income to assets | 0.4313% | 4,940 |
| Return on assets (ROA) | 1.3805% | 1,125 |
| Pretax return on assets | 1.7799% | 898 |
| Return on Equity (ROE) | 12.2288% | 1,287 |
| Retained earnings to average equity (ytd only) | 12.2288% | 543 |
| Net charge-offs to loans | -0.0189% | 5,020 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6145% | 2,244 |
| Assets per employee ($millions) | 7.4010% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 5,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 32.4328% | 5,984 |
| Net loans and leases to deposits | 36.9740% | 6,023 |
| Net loans and leases to core deposits | 63.9432% | 4,700 |
| Total domestic deposits to total assets | 87.7179% | 1,976 |
| Equity capital to assets | 11.6224% | 2,359 |
| Core capital (leverage) ratio | 11.2400% | 2,201 |
| Tier 1 risk-based capital ratio | 27.0911% | 701 |
| Total risk-based capital ratio | 27.7862% | 732 |
| Memoranda: | ||
| Average total assets | $127,201,000 | 4,040 |
| Average earning assets | $116,190,000 | 4,058 |
| Average equity | $14,359,500 | 4,019 |
| Average total loans | $42,371,000 | 5,052 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 1,101 |
| Cost of funding earning assets | 0.5887% | 1,870 |
| Net interest margin | 4.2178% | 1,249 |
| Noninterest income to average assets | 0.1271% | 6,056 |
| Noninterest expense to average assets | 3.1706% | 2,290 |
| Loan and lease loss provision to assets | 0.0345% | 3,903 |
| Net operating income to assets | 0.6206% | 4,272 |
| Return on assets (ROA) | 1.1081% | 1,996 |
| Pretax return on assets | 1.5917% | 1,261 |
| Return on Equity (ROE) | 8.5495% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.5495% | 814 |
| Net charge-offs to loans | 0.0573% | 3,685 |
| Credit loss provision to net charge-offs | 140.0000% | 1,693 |
| Earnings coverage of net charge-offs (x) | 37.7600% | 1,136 |
| Efficiency ratio | 77.3240% | 2,310 |
| Assets per employee ($millions) | 7.5638% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6472% | 6,078 |
| Loan loss allowance to noncurrent loans | 33.8129% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 3,625 |
| Noncurrent loans to loans | 1.9141% | 1,472 |
| Net loans and leases to total assets | 33.6664% | 6,053 |
| Net loans and leases to deposits | 38.0317% | 6,100 |
| Net loans and leases to core deposits | 64.9473% | 4,759 |
| Total domestic deposits to total assets | 88.5220% | 1,516 |
| Equity capital to assets | 10.9624% | 2,930 |
| Core capital (leverage) ratio | 11.4640% | 1,997 |
| Tier 1 risk-based capital ratio | 23.5580% | 999 |
| Total risk-based capital ratio | 24.0447% | 1,091 |
| Memoranda: | ||
| Average total assets | $101,527,800 | 4,565 |
| Average earning assets | $95,642,200 | 4,516 |
| Average equity | $13,158,600 | 4,162 |
| Average total loans | $43,601,000 | 5,049 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 702 |
| Cost of funding earning assets | 0.5789% | 2,027 |
| Net interest margin | 4.4732% | 787 |
| Noninterest income to average assets | 0.1365% | 6,091 |
| Noninterest expense to average assets | 3.3402% | 1,815 |
| Loan and lease loss provision to assets | 0.0492% | 3,394 |
| Net operating income to assets | 0.5993% | 4,450 |
| Return on assets (ROA) | 1.0538% | 2,284 |
| Pretax return on assets | 1.6208% | 1,261 |
| Return on Equity (ROE) | 7.7269% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.7269% | 1,480 |
| Net charge-offs to loans | 0.2599% | 1,501 |
| Credit loss provision to net charge-offs | 41.1765% | 3,271 |
| Earnings coverage of net charge-offs (x) | 8.1177% | 2,851 |
| Efficiency ratio | 77.4804% | 2,269 |
| Assets per employee ($millions) | 5.9851% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 6,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 40.6719% | 5,774 |
| Net loans and leases to deposits | 47.3289% | 5,804 |
| Net loans and leases to core deposits | 78.2313% | 3,515 |
| Total domestic deposits to total assets | 85.9346% | 2,876 |
| Equity capital to assets | 13.3853% | 1,244 |
| Core capital (leverage) ratio | 14.4711% | 734 |
| Tier 1 risk-based capital ratio | 28.2526% | 631 |
| Total risk-based capital ratio | 28.7290% | 661 |
| Memoranda: | ||
| Average total assets | $94,763,500 | 4,776 |
| Average earning assets | $88,436,500 | 4,739 |
| Average equity | $12,924,250 | 4,235 |
| Average total loans | $43,608,250 | 5,107 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 634 |
| Cost of funding earning assets | 0.5594% | 2,267 |
| Net interest margin | 4.5266% | 667 |
| Noninterest income to average assets | 0.1536% | 6,027 |
| Noninterest expense to average assets | 3.3840% | 1,716 |
| Loan and lease loss provision to assets | 0.0757% | 2,759 |
| Net operating income to assets | 0.6165% | 4,267 |
| Return on assets (ROA) | 0.9931% | 2,425 |
| Pretax return on assets | 1.4670% | 1,647 |
| Return on Equity (ROE) | 7.2325% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.2325% | 1,646 |
| Net charge-offs to loans | 0.4336% | 947 |
| Credit loss provision to net charge-offs | 36.4583% | 2,971 |
| Earnings coverage of net charge-offs (x) | 4.7604% | 3,052 |
| Efficiency ratio | 77.3874% | 2,392 |
| Assets per employee ($millions) | 5.7226% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4575% | 6,455 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 47.1933% | 5,246 |
| Net loans and leases to deposits | 55.0259% | 5,280 |
| Net loans and leases to core deposits | 91.0952% | 2,020 |
| Total domestic deposits to total assets | 85.7655% | 3,171 |
| Equity capital to assets | 13.6229% | 1,119 |
| Core capital (leverage) ratio | 14.6225% | 671 |
| Tier 1 risk-based capital ratio | 26.4366% | 738 |
| Total risk-based capital ratio | 26.8704% | 793 |
| Memoranda: | ||
| Average total assets | $92,436,000 | 4,859 |
| Average earning assets | $86,157,330 | 4,824 |
| Average equity | $12,692,670 | 4,287 |
| Average total loans | $44,276,330 | 5,116 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0586% | 643 |
| Cost of funding earning assets | 0.5398% | 2,507 |
| Net interest margin | 4.5188% | 631 |
| Noninterest income to average assets | 0.1644% | 5,990 |
| Noninterest expense to average assets | 3.3729% | 1,769 |
| Loan and lease loss provision to assets | 0.0533% | 3,042 |
| Net operating income to assets | 0.5587% | 4,416 |
| Return on assets (ROA) | 0.6355% | 4,110 |
| Pretax return on assets | 1.0621% | 3,079 |
| Return on Equity (ROE) | 4.6083% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.6083% | 3,355 |
| Net charge-offs to loans | -0.0369% | 5,677 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2126% | 2,608 |
| Assets per employee ($millions) | 5.3983% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6288% | 6,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 49.5985% | 4,947 |
| Net loans and leases to deposits | 58.0241% | 4,940 |
| Net loans and leases to core deposits | 92.3753% | 1,696 |
| Total domestic deposits to total assets | 85.4791% | 3,625 |
| Equity capital to assets | 13.8737% | 962 |
| Core capital (leverage) ratio | 14.7773% | 630 |
| Tier 1 risk-based capital ratio | 28.8212% | 586 |
| Total risk-based capital ratio | 29.4741% | 614 |
| Memoranda: | ||
| Average total assets | $90,011,500 | 4,970 |
| Average earning assets | $83,739,000 | 4,925 |
| Average equity | $12,412,500 | 4,358 |
| Average total loans | $43,353,000 | 5,196 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 633 |
| Cost of funding earning assets | 0.5845% | 2,791 |
| Net interest margin | 4.6193% | 588 |
| Noninterest income to average assets | -0.5277% | 6,795 |
| Noninterest expense to average assets | 3.5249% | 1,602 |
| Loan and lease loss provision to assets | 0.0120% | 4,886 |
| Net operating income to assets | 0.1192% | 6,004 |
| Return on assets (ROA) | 0.2034% | 5,883 |
| Pretax return on assets | 0.3506% | 5,604 |
| Return on Equity (ROE) | 1.3506% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.3506% | 5,220 |
| Net charge-offs to loans | -0.1266% | 6,532 |
| Credit loss provision to net charge-offs | -17.8571% | 5,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8515% | 759 |
| Assets per employee ($millions) | 5.5158% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6650% | 6,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 46.0375% | 5,480 |
| Net loans and leases to deposits | 53.7513% | 5,487 |
| Net loans and leases to core deposits | 85.6935% | 2,483 |
| Total domestic deposits to total assets | 85.6491% | 3,430 |
| Equity capital to assets | 13.7028% | 993 |
| Core capital (leverage) ratio | 14.6638% | 650 |
| Tier 1 risk-based capital ratio | 27.0662% | 674 |
| Total risk-based capital ratio | 27.6528% | 718 |
| Memoranda: | ||
| Average total assets | $83,578,000 | 5,145 |
| Average earning assets | $77,501,600 | 5,104 |
| Average equity | $12,586,600 | 4,336 |
| Average total loans | $44,236,400 | 5,179 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 756 |
| Cost of funding earning assets | 0.5795% | 2,999 |
| Net interest margin | 4.5338% | 694 |
| Noninterest income to average assets | 0.2411% | 5,711 |
| Noninterest expense to average assets | 3.4979% | 1,617 |
| Loan and lease loss provision to assets | 0.0162% | 4,689 |
| Net operating income to assets | 0.6797% | 3,955 |
| Return on assets (ROA) | 0.8122% | 3,418 |
| Pretax return on assets | 1.1568% | 2,861 |
| Return on Equity (ROE) | 5.2661% | 4,587 |
| Retained earnings to average equity (ytd only) | 5.2661% | 2,895 |
| Net charge-offs to loans | -0.1598% | 6,605 |
| Credit loss provision to net charge-offs | -18.5185% | 5,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0505% | 2,415 |
| Assets per employee ($millions) | 5.6659% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5960% | 6,565 |
| Loan loss allowance to noncurrent loans | 162.6506% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 5,891 |
| Noncurrent loans to loans | 0.3664% | 5,298 |
| Net loans and leases to total assets | 49.6751% | 5,174 |
| Net loans and leases to deposits | 58.2025% | 5,169 |
| Net loans and leases to core deposits | 93.2302% | 1,649 |
| Total domestic deposits to total assets | 85.3489% | 3,563 |
| Equity capital to assets | 13.9220% | 985 |
| Core capital (leverage) ratio | 16.3635% | 443 |
| Tier 1 risk-based capital ratio | 26.0297% | 783 |
| Total risk-based capital ratio | 26.5846% | 831 |
| Memoranda: | ||
| Average total assets | $82,409,500 | 5,231 |
| Average earning assets | $77,078,750 | 5,167 |
| Average equity | $12,710,000 | 4,366 |
| Average total loans | $45,070,250 | 5,198 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 1,299 |
| Cost of funding earning assets | 0.5808% | 3,121 |
| Net interest margin | 4.2323% | 1,194 |
| Noninterest income to average assets | 0.3063% | 5,259 |
| Noninterest expense to average assets | 3.5601% | 1,481 |
| Loan and lease loss provision to assets | 0.0251% | 4,418 |
| Net operating income to assets | 0.5753% | 4,419 |
| Return on assets (ROA) | 0.7783% | 3,576 |
| Pretax return on assets | 1.0093% | 3,469 |
| Return on Equity (ROE) | 4.8667% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.8667% | 3,136 |
| Net charge-offs to loans | -0.1422% | 6,585 |
| Credit loss provision to net charge-offs | -31.2500% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2029% | 1,858 |
| Assets per employee ($millions) | 5.0986% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5480% | 6,666 |
| Loan loss allowance to noncurrent loans | 33.2886% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 3,964 |
| Noncurrent loans to loans | 1.6462% | 2,845 |
| Net loans and leases to total assets | 55.1705% | 4,426 |
| Net loans and leases to deposits | 65.7180% | 4,297 |
| Net loans and leases to core deposits | 99.7385% | 1,097 |
| Total domestic deposits to total assets | 83.9503% | 4,337 |
| Equity capital to assets | 15.3779% | 639 |
| Core capital (leverage) ratio | 15.9736% | 471 |
| Tier 1 risk-based capital ratio | 25.2215% | 855 |
| Total risk-based capital ratio | 25.7447% | 921 |
| Memoranda: | ||
| Average total assets | $79,661,000 | 5,327 |
| Average earning assets | $75,751,330 | 5,233 |
| Average equity | $12,739,670 | 4,387 |
| Average total loans | $44,992,670 | 5,225 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 2,101 |
| Cost of funding earning assets | 0.6257% | 2,873 |
| Net interest margin | 3.8933% | 2,144 |
| Noninterest income to average assets | 0.0762% | 6,650 |
| Noninterest expense to average assets | 3.4815% | 1,657 |
| Loan and lease loss provision to assets | 0.0508% | 3,768 |
| Net operating income to assets | 0.2440% | 5,745 |
| Return on assets (ROA) | 0.2948% | 5,708 |
| Pretax return on assets | 0.2948% | 5,863 |
| Return on Equity (ROE) | 1.8073% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.8073% | 5,090 |
| Net charge-offs to loans | -0.1694% | 6,639 |
| Credit loss provision to net charge-offs | -52.6316% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1938% | 961 |
| Assets per employee ($millions) | 4.1691% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5302% | 6,768 |
| Loan loss allowance to noncurrent loans | 19.4055% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 1.5288% | 2,965 |
| Noncurrent loans to loans | 2.7322% | 1,863 |
| Net loans and leases to total assets | 55.6595% | 4,138 |
| Net loans and leases to deposits | 66.8988% | 3,928 |
| Net loans and leases to core deposits | 103.5780% | 738 |
| Total domestic deposits to total assets | 83.1995% | 4,794 |
| Equity capital to assets | 16.0998% | 545 |
| Core capital (leverage) ratio | 16.0242% | 452 |
| Tier 1 risk-based capital ratio | 27.0902% | 697 |
| Total risk-based capital ratio | 27.6267% | 740 |
| Memoranda: | ||
| Average total assets | $78,702,500 | 5,394 |
| Average earning assets | $74,795,500 | 5,300 |
| Average equity | $12,837,000 | 4,411 |
| Average total loans | $44,861,500 | 5,259 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9042% | 1,824 |
| Cost of funding earning assets | 0.8062% | 2,617 |
| Net interest margin | 4.0980% | 2,014 |
| Noninterest income to average assets | 0.1996% | 5,994 |
| Noninterest expense to average assets | 4.0198% | 956 |
| Loan and lease loss provision to assets | -0.2391% | 6,994 |
| Net operating income to assets | 0.1595% | 5,866 |
| Return on assets (ROA) | 0.3007% | 5,674 |
| Pretax return on assets | 0.4855% | 5,326 |
| Return on Equity (ROE) | 1.9000% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.9000% | 4,886 |
| Net charge-offs to loans | -0.1246% | 6,872 |
| Credit loss provision to net charge-offs | 334.4828% | 726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3603% | 586 |
| Assets per employee ($millions) | 4.3441% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4538% | 6,866 |
| Loan loss allowance to noncurrent loans | 16.9967% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 1.5500% | 3,062 |
| Noncurrent loans to loans | 2.6697% | 1,983 |
| Net loans and leases to total assets | 57.7967% | 4,015 |
| Net loans and leases to deposits | 70.0504% | 3,705 |
| Net loans and leases to core deposits | 119.4034% | 291 |
| Total domestic deposits to total assets | 82.5074% | 4,927 |
| Equity capital to assets | 16.5245% | 474 |
| Core capital (leverage) ratio | 16.0893% | 442 |
| Tier 1 risk-based capital ratio | 29.4744% | 534 |
| Total risk-based capital ratio | 29.9776% | 566 |
| Memoranda: | ||
| Average total assets | $81,148,200 | 5,324 |
| Average earning assets | $76,159,400 | 5,236 |
| Average equity | $12,841,800 | 4,393 |
| Average total loans | $46,565,000 | 5,225 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7603% | 2,536 |
| Cost of funding earning assets | 0.8296% | 2,707 |
| Net interest margin | 3.9307% | 2,799 |
| Noninterest income to average assets | 0.2394% | 5,837 |
| Noninterest expense to average assets | 3.9940% | 940 |
| Loan and lease loss provision to assets | -0.2247% | 7,098 |
| Net operating income to assets | 0.1017% | 6,128 |
| Return on assets (ROA) | 0.2556% | 5,958 |
| Pretax return on assets | 0.3761% | 5,774 |
| Return on Equity (ROE) | 1.6326% | 6,119 |
| Retained earnings to average equity (ytd only) | 1.6326% | 5,515 |
| Net charge-offs to loans | -0.1480% | 6,937 |
| Credit loss provision to net charge-offs | 265.3846% | 1,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9111% | 484 |
| Assets per employee ($millions) | 4.7992% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5562% | 6,911 |
| Loan loss allowance to noncurrent loans | 21.0656% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 1.5888% | 3,216 |
| Noncurrent loans to loans | 2.6402% | 2,150 |
| Net loans and leases to total assets | 59.8422% | 3,813 |
| Net loans and leases to deposits | 72.2148% | 3,576 |
| Net loans and leases to core deposits | 129.8711% | 194 |
| Total domestic deposits to total assets | 82.8669% | 4,689 |
| Equity capital to assets | 16.7502% | 495 |
| Core capital (leverage) ratio | 15.8247% | 499 |
| Tier 1 risk-based capital ratio | 32.4856% | 423 |
| Total risk-based capital ratio | 33.1792% | 439 |
| Memoranda: | ||
| Average total assets | $81,887,000 | 5,356 |
| Average earning assets | $76,660,500 | 5,276 |
| Average equity | $12,822,000 | 4,436 |
| Average total loans | $46,856,500 | 5,277 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 3,172 |
| Cost of funding earning assets | 0.8437% | 2,851 |
| Net interest margin | 3.7981% | 3,372 |
| Noninterest income to average assets | 0.3206% | 5,256 |
| Noninterest expense to average assets | 3.9360% | 1,027 |
| Loan and lease loss provision to assets | -0.1842% | 7,150 |
| Net operating income to assets | 0.0970% | 6,171 |
| Return on assets (ROA) | 0.2297% | 6,019 |
| Pretax return on assets | 0.3158% | 5,932 |
| Return on Equity (ROE) | 1.4990% | 6,194 |
| Retained earnings to average equity (ytd only) | 1.4990% | 5,453 |
| Net charge-offs to loans | -0.1487% | 6,940 |
| Credit loss provision to net charge-offs | 220.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2931% | 516 |
| Assets per employee ($millions) | 4.6057% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6101% | 6,920 |
| Loan loss allowance to noncurrent loans | 15.4242% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 2.3461% | 2,379 |
| Noncurrent loans to loans | 3.9554% | 1,405 |
| Net loans and leases to total assets | 58.9520% | 3,996 |
| Net loans and leases to deposits | 69.9055% | 3,909 |
| Net loans and leases to core deposits | 135.7470% | 170 |
| Total domestic deposits to total assets | 84.3311% | 4,176 |
| Equity capital to assets | 15.5278% | 672 |
| Core capital (leverage) ratio | 15.6421% | 509 |
| Tier 1 risk-based capital ratio | 31.7952% | 450 |
| Total risk-based capital ratio | 32.5838% | 459 |
| Memoranda: | ||
| Average total assets | $83,587,000 | 5,333 |
| Average earning assets | $78,459,330 | 5,258 |
| Average equity | $12,808,670 | 4,433 |
| Average total loans | $47,072,670 | 5,301 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 3,954 |
| Cost of funding earning assets | 0.8525% | 3,044 |
| Net interest margin | 3.6385% | 4,089 |
| Noninterest income to average assets | 0.5386% | 3,636 |
| Noninterest expense to average assets | 3.7365% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1451% | 6,129 |
| Return on assets (ROA) | 0.3622% | 5,602 |
| Pretax return on assets | 0.5433% | 5,308 |
| Return on Equity (ROE) | 2.3794% | 5,953 |
| Retained earnings to average equity (ytd only) | 2.3794% | 5,074 |
| Net charge-offs to loans | -0.1912% | 6,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4578% | 797 |
| Assets per employee ($millions) | 4.7089% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 6,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 59.1103% | 3,834 |
| Net loans and leases to deposits | 70.4592% | 3,666 |
| Net loans and leases to core deposits | 142.2785% | 136 |
| Total domestic deposits to total assets | 83.8930% | 4,546 |
| Equity capital to assets | 15.9596% | 583 |
| Core capital (leverage) ratio | 15.4721% | 534 |
| Tier 1 risk-based capital ratio | 33.3342% | 385 |
| Total risk-based capital ratio | 34.3321% | 386 |
| Memoranda: | ||
| Average total assets | $83,929,000 | 5,364 |
| Average earning assets | $78,823,500 | 5,272 |
| Average equity | $12,776,500 | 4,447 |
| Average total loans | $46,022,500 | 5,377 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 923 |
| Cost of funding earning assets | 0.9189% | 3,968 |
| Net interest margin | 4.6973% | 758 |
| Noninterest income to average assets | 0.0921% | 6,678 |
| Noninterest expense to average assets | 3.4900% | 2,010 |
| Loan and lease loss provision to assets | 0.6214% | 1,655 |
| Net operating income to assets | 0.2647% | 5,387 |
| Return on assets (ROA) | 0.3440% | 5,247 |
| Pretax return on assets | 0.5426% | 4,864 |
| Return on Equity (ROE) | 2.7518% | 5,388 |
| Retained earnings to average equity (ytd only) | 2.7518% | 4,278 |
| Net charge-offs to loans | 1.2832% | 1,290 |
| Credit loss provision to net charge-offs | 95.1411% | 3,794 |
| Earnings coverage of net charge-offs (x) | 1.5925% | 4,575 |
| Efficiency ratio | 77.0395% | 2,740 |
| Assets per employee ($millions) | 5.1651% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 6,775 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 6,305 |
| Noncurrent loans to loans | 0.5230% | 5,666 |
| Net loans and leases to total assets | 50.1264% | 5,563 |
| Net loans and leases to deposits | 58.9945% | 5,601 |
| Net loans and leases to core deposits | 112.7437% | 544 |
| Total domestic deposits to total assets | 84.9680% | 3,869 |
| Equity capital to assets | 14.5514% | 879 |
| Core capital (leverage) ratio | 14.0282% | 818 |
| Tier 1 risk-based capital ratio | 33.4401% | 378 |
| Total risk-based capital ratio | 34.3873% | 385 |
| Memoranda: | ||
| Average total assets | $97,679,600 | 4,961 |
| Average earning assets | $92,287,400 | 4,848 |
| Average equity | $12,210,400 | 4,503 |
| Average total loans | $49,719,200 | 5,274 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9134% | 545 |
| Cost of funding earning assets | 0.9252% | 4,234 |
| Net interest margin | 4.9881% | 426 |
| Noninterest income to average assets | 0.0892% | 6,794 |
| Noninterest expense to average assets | 3.3709% | 2,277 |
| Loan and lease loss provision to assets | 0.9426% | 937 |
| Net operating income to assets | 0.3208% | 5,321 |
| Return on assets (ROA) | 0.3874% | 5,235 |
| Pretax return on assets | 0.5938% | 4,830 |
| Return on Equity (ROE) | 3.2148% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.2148% | 4,420 |
| Net charge-offs to loans | 1.7365% | 791 |
| Credit loss provision to net charge-offs | 106.4662% | 3,109 |
| Earnings coverage of net charge-offs (x) | 1.6196% | 4,430 |
| Efficiency ratio | 70.1579% | 3,935 |
| Assets per employee ($millions) | 5.4741% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,362 |
| Loan loss allowance to noncurrent loans | 33.9315% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3174% | 4,172 |
| Noncurrent loans to loans | 2.8832% | 2,424 |
| Net loans and leases to total assets | 45.2466% | 6,218 |
| Net loans and leases to deposits | 52.5379% | 6,327 |
| Net loans and leases to core deposits | 94.9595% | 1,705 |
| Total domestic deposits to total assets | 86.1217% | 3,155 |
| Equity capital to assets | 13.7579% | 1,265 |
| Core capital (leverage) ratio | 13.3732% | 1,086 |
| Tier 1 risk-based capital ratio | 35.2018% | 349 |
| Total risk-based capital ratio | 36.3677% | 341 |
| Memoranda: | ||
| Average total assets | $100,148,000 | 4,926 |
| Average earning assets | $94,675,750 | 4,830 |
| Average equity | $12,068,750 | 4,552 |
| Average total loans | $51,058,500 | 5,271 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2166% | 324 |
| Cost of funding earning assets | 0.9267% | 4,483 |
| Net interest margin | 5.2899% | 247 |
| Noninterest income to average assets | 0.0956% | 6,851 |
| Noninterest expense to average assets | 3.2933% | 2,593 |
| Loan and lease loss provision to assets | 1.4594% | 490 |
| Net operating income to assets | 0.2203% | 5,666 |
| Return on assets (ROA) | 0.3102% | 5,469 |
| Pretax return on assets | 0.4839% | 5,121 |
| Return on Equity (ROE) | 2.6894% | 5,526 |
| Retained earnings to average equity (ytd only) | 2.6894% | 4,581 |
| Net charge-offs to loans | 2.4043% | 513 |
| Credit loss provision to net charge-offs | 115.4321% | 2,650 |
| Earnings coverage of net charge-offs (x) | 1.4259% | 4,218 |
| Efficiency ratio | 64.6248% | 5,125 |
| Assets per employee ($millions) | 6.1777% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 6,434 |
| Loan loss allowance to noncurrent loans | 23.8761% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 1.9063% | 3,364 |
| Noncurrent loans to loans | 4.0810% | 1,689 |
| Net loans and leases to total assets | 46.2565% | 6,238 |
| Net loans and leases to deposits | 52.3656% | 6,437 |
| Net loans and leases to core deposits | 166.6004% | 109 |
| Total domestic deposits to total assets | 88.3338% | 1,947 |
| Equity capital to assets | 11.5386% | 2,469 |
| Core capital (leverage) ratio | 11.7434% | 1,750 |
| Tier 1 risk-based capital ratio | 30.6618% | 503 |
| Total risk-based capital ratio | 31.8711% | 498 |
| Memoranda: | ||
| Average total assets | $102,511,000 | 4,887 |
| Average earning assets | $96,901,330 | 4,786 |
| Average equity | $11,824,000 | 4,601 |
| Average total loans | $53,904,000 | 5,217 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5802% | 183 |
| Cost of funding earning assets | 0.9364% | 4,675 |
| Net interest margin | 5.6438% | 131 |
| Noninterest income to average assets | 0.1225% | 6,802 |
| Noninterest expense to average assets | 3.2551% | 2,692 |
| Loan and lease loss provision to assets | 1.5130% | 421 |
| Net operating income to assets | 0.4358% | 4,776 |
| Return on assets (ROA) | 0.4661% | 4,723 |
| Pretax return on assets | 0.7348% | 4,165 |
| Return on Equity (ROE) | 4.0421% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.0421% | 3,744 |
| Net charge-offs to loans | 2.5139% | 454 |
| Credit loss provision to net charge-offs | 108.1921% | 2,467 |
| Earnings coverage of net charge-offs (x) | 1.5734% | 3,535 |
| Efficiency ratio | 59.6669% | 6,032 |
| Assets per employee ($millions) | 5.9332% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7559% | 6,998 |
| Loan loss allowance to noncurrent loans | 99.0172% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 6,249 |
| Noncurrent loans to loans | 0.7634% | 5,499 |
| Net loans and leases to total assets | 49.5426% | 5,901 |
| Net loans and leases to deposits | 57.9068% | 5,934 |
| Net loans and leases to core deposits | 101.3427% | 1,249 |
| Total domestic deposits to total assets | 85.5558% | 3,754 |
| Equity capital to assets | 10.8299% | 2,854 |
| Core capital (leverage) ratio | 11.4583% | 1,872 |
| Tier 1 risk-based capital ratio | 26.4538% | 743 |
| Total risk-based capital ratio | 27.3722% | 757 |
| Memoranda: | ||
| Average total assets | $101,256,000 | 4,967 |
| Average earning assets | $95,680,500 | 4,860 |
| Average equity | $11,677,000 | 4,627 |
| Average total loans | $56,327,500 | 5,158 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9220% | 997 |
| Cost of funding earning assets | 1.0036% | 5,669 |
| Net interest margin | 4.9184% | 518 |
| Noninterest income to average assets | 0.1603% | 6,571 |
| Noninterest expense to average assets | 3.7578% | 1,568 |
| Loan and lease loss provision to assets | 0.3246% | 4,215 |
| Net operating income to assets | 0.4588% | 4,272 |
| Return on assets (ROA) | 0.5335% | 4,102 |
| Pretax return on assets | 0.9118% | 3,236 |
| Return on Equity (ROE) | 4.3305% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.3305% | 2,808 |
| Net charge-offs to loans | 0.6835% | 2,960 |
| Credit loss provision to net charge-offs | 74.4186% | 5,751 |
| Earnings coverage of net charge-offs (x) | 2.5674% | 3,826 |
| Efficiency ratio | 77.0430% | 2,866 |
| Assets per employee ($millions) | 5.3175% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6286% | 7,229 |
| Loan loss allowance to noncurrent loans | 13.6131% | 7,023 |
| Noncurrent assets plus other real estate owned to assets | 2.8627% | 2,444 |
| Noncurrent loans to loans | 4.6173% | 1,519 |
| Net loans and leases to total assets | 61.6089% | 4,372 |
| Net loans and leases to deposits | 74.3882% | 4,131 |
| Net loans and leases to core deposits | 152.2095% | 170 |
| Total domestic deposits to total assets | 82.8209% | 4,873 |
| Equity capital to assets | 12.3157% | 1,734 |
| Core capital (leverage) ratio | 12.9108% | 1,155 |
| Tier 1 risk-based capital ratio | 27.4724% | 649 |
| Total risk-based capital ratio | 28.3656% | 657 |
| Memoranda: | ||
| Average total assets | $98,594,600 | 5,027 |
| Average earning assets | $94,562,800 | 4,877 |
| Average equity | $12,146,400 | 4,570 |
| Average total loans | $62,909,000 | 4,957 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1368% | 707 |
| Cost of funding earning assets | 1.0307% | 5,796 |
| Net interest margin | 5.1061% | 351 |
| Noninterest income to average assets | 0.1651% | 6,688 |
| Noninterest expense to average assets | 3.4019% | 2,284 |
| Loan and lease loss provision to assets | 0.2014% | 5,036 |
| Net operating income to assets | 0.9388% | 2,458 |
| Return on assets (ROA) | 1.0230% | 2,275 |
| Pretax return on assets | 1.5949% | 1,361 |
| Return on Equity (ROE) | 8.3031% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.3031% | 1,316 |
| Net charge-offs to loans | 0.2675% | 4,344 |
| Credit loss provision to net charge-offs | 117.1875% | 3,541 |
| Earnings coverage of net charge-offs (x) | 9.6876% | 1,987 |
| Efficiency ratio | 67.1436% | 4,633 |
| Assets per employee ($millions) | 5.5646% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 6,974 |
| Loan loss allowance to noncurrent loans | 23.5212% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 2.4114% | 2,963 |
| Noncurrent loans to loans | 3.4608% | 2,299 |
| Net loans and leases to total assets | 69.1107% | 2,958 |
| Net loans and leases to deposits | 82.6055% | 2,983 |
| Net loans and leases to core deposits | 142.3034% | 238 |
| Total domestic deposits to total assets | 83.6635% | 4,286 |
| Equity capital to assets | 14.4024% | 1,048 |
| Core capital (leverage) ratio | 13.9310% | 933 |
| Tier 1 risk-based capital ratio | 30.0292% | 513 |
| Total risk-based capital ratio | 31.2504% | 502 |
| Memoranda: | ||
| Average total assets | $99,314,500 | 5,073 |
| Average earning assets | $95,334,750 | 4,917 |
| Average equity | $12,236,000 | 4,616 |
| Average total loans | $63,800,750 | 4,989 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1352% | 703 |
| Cost of funding earning assets | 1.0215% | 6,047 |
| Net interest margin | 5.1137% | 334 |
| Noninterest income to average assets | 0.1168% | 7,024 |
| Noninterest expense to average assets | 3.2217% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1213% | 1,780 |
| Return on assets (ROA) | 1.1524% | 1,751 |
| Pretax return on assets | 1.8746% | 771 |
| Return on Equity (ROE) | 9.8336% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.8336% | 883 |
| Net charge-offs to loans | 0.2019% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 14.4308% | 1,523 |
| Efficiency ratio | 63.8257% | 5,367 |
| Assets per employee ($millions) | 6.0609% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6758% | 7,293 |
| Loan loss allowance to noncurrent loans | 10.2026% | 7,258 |
| Noncurrent assets plus other real estate owned to assets | 4.2248% | 1,594 |
| Noncurrent loans to loans | 6.6242% | 890 |
| Net loans and leases to total assets | 63.3479% | 4,382 |
| Net loans and leases to deposits | 72.9706% | 4,837 |
| Net loans and leases to core deposits | 120.2125% | 687 |
| Total domestic deposits to total assets | 86.8130% | 2,642 |
| Equity capital to assets | 12.9468% | 1,595 |
| Core capital (leverage) ratio | 11.9393% | 1,677 |
| Tier 1 risk-based capital ratio | 27.6472% | 655 |
| Total risk-based capital ratio | 28.5935% | 663 |
| Memoranda: | ||
| Average total assets | $102,741,330 | 4,999 |
| Average earning assets | $99,067,000 | 4,839 |
| Average equity | $12,040,330 | 4,668 |
| Average total loans | $64,388,670 | 5,004 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9534% | 1,072 |
| Cost of funding earning assets | 1.0109% | 6,327 |
| Net interest margin | 4.9425% | 472 |
| Noninterest income to average assets | 0.0947% | 7,232 |
| Noninterest expense to average assets | 3.0220% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1664% | 1,627 |
| Return on assets (ROA) | 1.1664% | 1,706 |
| Pretax return on assets | 1.9238% | 701 |
| Return on Equity (ROE) | 10.4557% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.4557% | 1,054 |
| Net charge-offs to loans | 0.2254% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 13.7297% | 1,478 |
| Efficiency ratio | 61.1026% | 5,981 |
| Assets per employee ($millions) | 5.6888% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 7,394 |
| Loan loss allowance to noncurrent loans | 10.6791% | 7,321 |
| Noncurrent assets plus other real estate owned to assets | 3.8552% | 1,793 |
| Noncurrent loans to loans | 6.2961% | 1,013 |
| Net loans and leases to total assets | 60.8199% | 4,971 |
| Net loans and leases to deposits | 68.6591% | 5,511 |
| Net loans and leases to core deposits | 130.7302% | 473 |
| Total domestic deposits to total assets | 88.5825% | 1,743 |
| Equity capital to assets | 11.2168% | 2,571 |
| Core capital (leverage) ratio | 11.1154% | 2,155 |
| Tier 1 risk-based capital ratio | 24.3788% | 923 |
| Total risk-based capital ratio | 25.2935% | 944 |
| Memoranda: | ||
| Average total assets | $105,625,000 | 4,989 |
| Average earning assets | $103,672,500 | 4,763 |
| Average equity | $11,783,000 | 4,771 |
| Average total loans | $65,658,500 | 5,011 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 4,995 |
| Cost of funding earning assets | 1.3541% | 6,127 |
| Net interest margin | 3.9831% | 2,926 |
| Noninterest income to average assets | 0.0914% | 7,304 |
| Noninterest expense to average assets | 3.4503% | 2,528 |
| Loan and lease loss provision to assets | 0.5061% | 3,847 |
| Net operating income to assets | 0.0281% | 5,402 |
| Return on assets (ROA) | 0.0683% | 5,339 |
| Pretax return on assets | 0.0683% | 5,279 |
| Return on Equity (ROE) | 0.5840% | 5,362 |
| Retained earnings to average equity (ytd only) | 0.5840% | 4,576 |
| Net charge-offs to loans | 0.5518% | 3,579 |
| Credit loss provision to net charge-offs | 132.9815% | 3,756 |
| Earnings coverage of net charge-offs (x) | 1.4037% | 4,727 |
| Efficiency ratio | 86.5927% | 2,048 |
| Assets per employee ($millions) | 5.4296% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 7,284 |
| Loan loss allowance to noncurrent loans | 23.0219% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 2.0337% | 3,356 |
| Noncurrent loans to loans | 3.2211% | 2,369 |
| Net loans and leases to total assets | 62.6684% | 4,870 |
| Net loans and leases to deposits | 73.9677% | 5,043 |
| Net loans and leases to core deposits | 263.8452% | 44 |
| Total domestic deposits to total assets | 84.7240% | 3,699 |
| Equity capital to assets | 11.0913% | 2,631 |
| Core capital (leverage) ratio | 11.2871% | 2,054 |
| Tier 1 risk-based capital ratio | 28.9964% | 577 |
| Total risk-based capital ratio | 30.2247% | 566 |
| Memoranda: | ||
| Average total assets | $99,584,800 | 5,096 |
| Average earning assets | $97,336,800 | 4,911 |
| Average equity | $11,644,800 | 4,826 |
| Average total loans | $68,681,200 | 4,918 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 6,016 |
| Cost of funding earning assets | 1.4147% | 6,171 |
| Net interest margin | 3.7541% | 3,844 |
| Noninterest income to average assets | 0.0932% | 7,439 |
| Noninterest expense to average assets | 3.3910% | 2,606 |
| Loan and lease loss provision to assets | 0.6282% | 2,878 |
| Net operating income to assets | -0.2621% | 6,152 |
| Return on assets (ROA) | -0.2283% | 6,118 |
| Pretax return on assets | -0.2283% | 6,016 |
| Return on Equity (ROE) | -1.9266% | 6,089 |
| Retained earnings to average equity (ytd only) | -1.9266% | 5,708 |
| Net charge-offs to loans | 0.5884% | 2,912 |
| Credit loss provision to net charge-offs | 151.4658% | 3,166 |
| Earnings coverage of net charge-offs (x) | 0.8827% | 5,181 |
| Efficiency ratio | 90.2553% | 1,664 |
| Assets per employee ($millions) | 5.5756% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 7,207 |
| Loan loss allowance to noncurrent loans | 13.9046% | 7,363 |
| Noncurrent assets plus other real estate owned to assets | 3.5031% | 1,895 |
| Noncurrent loans to loans | 5.5386% | 1,128 |
| Net loans and leases to total assets | 62.7615% | 5,112 |
| Net loans and leases to deposits | 76.8600% | 4,915 |
| Net loans and leases to core deposits | 337.1552% | 31 |
| Total domestic deposits to total assets | 81.6568% | 4,817 |
| Equity capital to assets | 10.9821% | 3,023 |
| Core capital (leverage) ratio | 10.9498% | 2,444 |
| Tier 1 risk-based capital ratio | 31.2021% | 508 |
| Total risk-based capital ratio | 32.4540% | 495 |
| Memoranda: | ||
| Average total assets | $98,690,500 | 5,161 |
| Average earning assets | $96,318,750 | 4,973 |
| Average equity | $11,695,500 | 4,867 |
| Average total loans | $69,568,250 | 4,930 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 7,023 |
| Cost of funding earning assets | 1.5394% | 5,977 |
| Net interest margin | 3.3630% | 5,301 |
| Noninterest income to average assets | 0.0997% | 7,482 |
| Noninterest expense to average assets | 3.3695% | 2,726 |
| Loan and lease loss provision to assets | 0.6544% | 2,468 |
| Net operating income to assets | -0.6294% | 6,686 |
| Return on assets (ROA) | -0.5941% | 6,658 |
| Pretax return on assets | -0.5941% | 6,517 |
| Return on Equity (ROE) | -4.8822% | 6,592 |
| Retained earnings to average equity (ytd only) | -4.8822% | 6,283 |
| Net charge-offs to loans | -0.0057% | 7,537 |
| Credit loss provision to net charge-offs | -15,750.0000% | 7,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2656% | 1,210 |
| Assets per employee ($millions) | 5.6681% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 6,387 |
| Loan loss allowance to noncurrent loans | 4.3653% | 7,548 |
| Noncurrent assets plus other real estate owned to assets | 14.3583% | 112 |
| Noncurrent loans to loans | 22.4277% | 37 |
| Net loans and leases to total assets | 63.3935% | 5,101 |
| Net loans and leases to deposits | 76.5138% | 5,094 |
| Net loans and leases to core deposits | 431.6578% | 26 |
| Total domestic deposits to total assets | 82.8523% | 4,305 |
| Equity capital to assets | 10.4778% | 3,427 |
| Core capital (leverage) ratio | 11.5917% | 2,041 |
| Tier 1 risk-based capital ratio | 40.5028% | 298 |
| Total risk-based capital ratio | 41.7686% | 292 |
| Memoranda: | ||
| Average total assets | $96,275,330 | 5,274 |
| Average earning assets | $94,320,330 | 5,059 |
| Average equity | $11,716,000 | 4,887 |
| Average total loans | $70,423,330 | 4,941 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 5,772 |
| Cost of funding earning assets | 1.8911% | 4,675 |
| Net interest margin | 3.4364% | 4,986 |
| Noninterest income to average assets | 0.0928% | 7,587 |
| Noninterest expense to average assets | 3.4097% | 2,329 |
| Loan and lease loss provision to assets | 0.1104% | 5,552 |
| Net operating income to assets | -0.0486% | 6,332 |
| Return on assets (ROA) | 0.0133% | 6,381 |
| Pretax return on assets | 0.0133% | 6,352 |
| Return on Equity (ROE) | 0.1006% | 6,394 |
| Retained earnings to average equity (ytd only) | 0.1006% | 5,622 |
| Net charge-offs to loans | -0.1012% | 7,880 |
| Credit loss provision to net charge-offs | -138.8889% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2188% | 1,205 |
| Assets per employee ($millions) | 4.5970% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5444% | 7,764 |
| Loan loss allowance to noncurrent loans | 2.7970% | 7,567 |
| Noncurrent assets plus other real estate owned to assets | 15.5547% | 71 |
| Noncurrent loans to loans | 19.4630% | 47 |
| Net loans and leases to total assets | 79.4844% | 1,480 |
| Net loans and leases to deposits | 97.0646% | 1,793 |
| Net loans and leases to core deposits | 476.5128% | 25 |
| Total domestic deposits to total assets | 81.8882% | 4,596 |
| Equity capital to assets | 12.9421% | 1,775 |
| Core capital (leverage) ratio | 12.7420% | 1,591 |
| Tier 1 risk-based capital ratio | 47.8538% | 227 |
| Total risk-based capital ratio | 49.1073% | 228 |
| Memoranda: | ||
| Average total assets | $90,566,000 | 5,469 |
| Average earning assets | $89,047,000 | 5,257 |
| Average equity | $11,932,000 | 4,851 |
| Average total loans | $71,162,000 | 4,938 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6895% | 2,066 |
| Cost of funding earning assets | 2.6915% | 3,197 |
| Net interest margin | 3.9980% | 3,122 |
| Noninterest income to average assets | 0.1131% | 7,556 |
| Noninterest expense to average assets | 3.7455% | 1,863 |
| Loan and lease loss provision to assets | 0.0391% | 6,925 |
| Net operating income to assets | 0.2538% | 5,698 |
| Return on assets (ROA) | 0.3299% | 5,266 |
| Pretax return on assets | 0.3299% | 5,444 |
| Return on Equity (ROE) | 2.6597% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.6597% | 3,523 |
| Net charge-offs to loans | 0.0962% | 5,366 |
| Credit loss provision to net charge-offs | 52.8571% | 6,320 |
| Earnings coverage of net charge-offs (x) | 3.9571% | 4,164 |
| Efficiency ratio | 92.7468% | 1,344 |
| Assets per employee ($millions) | 3.8779% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5185% | 7,823 |
| Loan loss allowance to noncurrent loans | 3.9826% | 7,552 |
| Noncurrent assets plus other real estate owned to assets | 10.0502% | 158 |
| Noncurrent loans to loans | 13.0204% | 100 |
| Net loans and leases to total assets | 76.7883% | 2,432 |
| Net loans and leases to deposits | 89.2318% | 3,595 |
| Net loans and leases to core deposits | 465.7848% | 26 |
| Total domestic deposits to total assets | 86.0548% | 2,374 |
| Equity capital to assets | 13.4149% | 1,624 |
| Core capital (leverage) ratio | 12.2788% | 1,849 |
| Tier 1 risk-based capital ratio | 48.4924% | 231 |
| Total risk-based capital ratio | 49.7440% | 230 |
| Memoranda: | ||
| Average total assets | $94,567,200 | 5,211 |
| Average earning assets | $92,846,800 | 5,008 |
| Average equity | $11,730,600 | 4,907 |
| Average total loans | $72,775,200 | 4,780 |