Home > First Secure Bank and Trust Co. > Performance and Condition Ratios
First Secure Bank and Trust Co., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 1,044 |
| Cost of funding earning assets | 2.4079% | 452 |
| Net interest margin | 3.1799% | 2,922 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.1614% | 3,219 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.6071% | 3,428 |
| Return on assets (ROA) | 0.6071% | 3,417 |
| Pretax return on assets | 0.8450% | 3,105 |
| Return on Equity (ROE) | 6.2600% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.2584% | 2,149 |
| Net charge-offs to loans | 0.0109% | 2,242 |
| Credit loss provision to net charge-offs | 1,833.3333% | 248 |
| Earnings coverage of net charge-offs (x) | 118.7333% | 824 |
| Efficiency ratio | 68.3827% | 2,063 |
| Assets per employee ($millions) | 9.0438% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 1,998 |
| Loan loss allowance to noncurrent loans | 57.6407% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 194 |
| Noncurrent loans to loans | 2.1729% | 248 |
| Net loans and leases to total assets | 78.5900% | 803 |
| Net loans and leases to deposits | 87.8586% | 1,449 |
| Net loans and leases to core deposits | 102.4157% | 1,310 |
| Total domestic deposits to total assets | 89.4500% | 926 |
| Equity capital to assets | 9.9035% | 2,065 |
| Core capital (leverage) ratio | 10.0418% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3511% | 1,738 |
| Memoranda: | ||
| Average total assets | $356,433,600 | 2,169 |
| Average earning assets | $338,339,400 | 2,135 |
| Average equity | $34,577,600 | 2,069 |
| Average total loans | $275,469,000 | 1,894 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5110% | 1,003 |
| Cost of funding earning assets | 2.1667% | 530 |
| Net interest margin | 3.3443% | 2,587 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.1661% | 3,162 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.6950% | 3,336 |
| Return on assets (ROA) | 0.6950% | 3,320 |
| Pretax return on assets | 0.9728% | 2,925 |
| Return on Equity (ROE) | 7.2000% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.2024% | 2,222 |
| Net charge-offs to loans | 0.0098% | 2,037 |
| Credit loss provision to net charge-offs | 2,250.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 152.0500% | 719 |
| Efficiency ratio | 65.4824% | 2,335 |
| Assets per employee ($millions) | 8.9803% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,130 |
| Loan loss allowance to noncurrent loans | 75.6943% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.2931% | 325 |
| Noncurrent loans to loans | 1.6461% | 414 |
| Net loans and leases to total assets | 77.5800% | 932 |
| Net loans and leases to deposits | 86.4501% | 1,516 |
| Net loans and leases to core deposits | 99.8721% | 1,322 |
| Total domestic deposits to total assets | 89.7400% | 1,005 |
| Equity capital to assets | 9.7435% | 1,966 |
| Core capital (leverage) ratio | 10.1661% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5271% | 1,704 |
| Memoranda: | ||
| Average total assets | $355,104,500 | 2,183 |
| Average earning assets | $336,727,000 | 2,147 |
| Average equity | $34,265,500 | 2,069 |
| Average total loans | $272,358,000 | 1,907 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4796% | 859 |
| Cost of funding earning assets | 1.9154% | 583 |
| Net interest margin | 3.5642% | 2,118 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.1853% | 3,117 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.8294% | 2,986 |
| Return on assets (ROA) | 0.8294% | 2,999 |
| Pretax return on assets | 1.1608% | 2,471 |
| Return on Equity (ROE) | 8.6200% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.6242% | 1,784 |
| Net charge-offs to loans | 0.0111% | 1,784 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 156.8667% | 730 |
| Efficiency ratio | 62.1583% | 2,696 |
| Assets per employee ($millions) | 8.9048% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,341 |
| Loan loss allowance to noncurrent loans | 76.3706% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.2392% | 320 |
| Noncurrent loans to loans | 1.5992% | 410 |
| Net loans and leases to total assets | 76.5500% | 994 |
| Net loans and leases to deposits | 86.7740% | 1,444 |
| Net loans and leases to core deposits | 100.0415% | 1,237 |
| Total domestic deposits to total assets | 88.2100% | 1,528 |
| Equity capital to assets | 9.7290% | 2,014 |
| Core capital (leverage) ratio | 10.2712% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3830% | 1,767 |
| Memoranda: | ||
| Average total assets | $353,735,000 | 2,189 |
| Average earning assets | $335,388,333 | 2,160 |
| Average equity | $34,020,667 | 2,091 |
| Average total loans | $269,081,333 | 1,914 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3263% | 804 |
| Cost of funding earning assets | 1.5942% | 702 |
| Net interest margin | 3.7321% | 1,823 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.3160% | 2,777 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.8851% | 2,900 |
| Return on assets (ROA) | 0.8851% | 2,855 |
| Pretax return on assets | 1.2391% | 2,334 |
| Return on Equity (ROE) | 9.2600% | 2,979 |
| Retained earnings to average equity (ytd only) | 9.2571% | 1,872 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1687% | 2,667 |
| Assets per employee ($millions) | 8.4702% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,435 |
| Loan loss allowance to noncurrent loans | 170.7652% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 972 |
| Noncurrent loans to loans | 0.7164% | 1,058 |
| Net loans and leases to total assets | 73.4500% | 1,272 |
| Net loans and leases to deposits | 86.3619% | 1,325 |
| Net loans and leases to core deposits | 99.5011% | 1,113 |
| Total domestic deposits to total assets | 85.0400% | 2,850 |
| Equity capital to assets | 9.6268% | 2,049 |
| Core capital (leverage) ratio | 10.2084% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2233% | 1,897 |
| Memoranda: | ||
| Average total assets | $352,507,000 | 2,222 |
| Average earning assets | $334,715,500 | 2,188 |
| Average equity | $33,704,000 | 2,137 |
| Average total loans | $265,611,500 | 1,948 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 488 |
| Cost of funding earning assets | 0.4936% | 1,434 |
| Net interest margin | 4.2357% | 493 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.2478% | 2,903 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3785% | 1,180 |
| Return on assets (ROA) | 1.3785% | 1,139 |
| Pretax return on assets | 1.9235% | 551 |
| Return on Equity (ROE) | 15.6500% | 1,112 |
| Retained earnings to average equity (ytd only) | 15.6493% | 243 |
| Net charge-offs to loans | 0.1674% | 502 |
| Credit loss provision to net charge-offs | 114.4165% | 1,486 |
| Earnings coverage of net charge-offs (x) | 16.2952% | 1,982 |
| Efficiency ratio | 52.0730% | 3,973 |
| Assets per employee ($millions) | 8.3159% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 2,609 |
| Loan loss allowance to noncurrent loans | 53.8381% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.6412% | 176 |
| Noncurrent loans to loans | 2.1492% | 244 |
| Net loans and leases to total assets | 75.4800% | 1,065 |
| Net loans and leases to deposits | 85.9834% | 1,318 |
| Net loans and leases to core deposits | 97.0401% | 1,149 |
| Total domestic deposits to total assets | 87.7800% | 2,150 |
| Equity capital to assets | 9.4945% | 2,018 |
| Core capital (leverage) ratio | 9.9684% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0681% | 1,952 |
| Memoranda: | ||
| Average total assets | $344,210,400 | 2,247 |
| Average earning assets | $327,599,400 | 2,208 |
| Average equity | $30,320,800 | 2,322 |
| Average total loans | $261,068,400 | 1,892 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6443% | 392 |
| Cost of funding earning assets | 0.3789% | 1,451 |
| Net interest margin | 4.2653% | 359 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.2887% | 2,658 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.3728% | 1,164 |
| Return on assets (ROA) | 1.3728% | 1,136 |
| Pretax return on assets | 1.9167% | 559 |
| Return on Equity (ROE) | 15.9000% | 1,000 |
| Retained earnings to average equity (ytd only) | 15.8992% | 287 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.7178% | 3,952 |
| Assets per employee ($millions) | 8.1067% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 1,949 |
| Loan loss allowance to noncurrent loans | 260.4633% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 1,420 |
| Noncurrent loans to loans | 0.5061% | 1,534 |
| Net loans and leases to total assets | 74.1600% | 1,082 |
| Net loans and leases to deposits | 84.9981% | 1,237 |
| Net loans and leases to core deposits | 95.4776% | 1,025 |
| Total domestic deposits to total assets | 87.2500% | 2,680 |
| Equity capital to assets | 9.3477% | 1,983 |
| Core capital (leverage) ratio | 9.7208% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1612% | 1,986 |
| Memoranda: | ||
| Average total assets | $342,946,250 | 2,266 |
| Average earning assets | $326,156,500 | 2,222 |
| Average equity | $29,610,750 | 2,387 |
| Average total loans | $259,877,000 | 1,894 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 1,272 |
| Cost of funding earning assets | 0.3140% | 1,584 |
| Net interest margin | 3.5066% | 1,297 |
| Noninterest income to average assets | 0.8075% | 1,025 |
| Noninterest expense to average assets | 2.2666% | 2,648 |
| Loan and lease loss provision to assets | 0.1164% | 864 |
| Net operating income to assets | 1.2700% | 1,221 |
| Return on assets (ROA) | 1.2700% | 1,204 |
| Pretax return on assets | 1.7704% | 641 |
| Return on Equity (ROE) | 15.1219% | 870 |
| Retained earnings to average equity (ytd only) | 15.1219% | 252 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5735% | 3,913 |
| Assets per employee ($millions) | 8.5482% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,575 |
| Loan loss allowance to noncurrent loans | 945.1613% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 3,007 |
| Noncurrent loans to loans | 0.1293% | 3,073 |
| Net loans and leases to total assets | 76.1742% | 713 |
| Net loans and leases to deposits | 87.9582% | 836 |
| Net loans and leases to core deposits | 97.5897% | 773 |
| Total domestic deposits to total assets | 86.6027% | 3,079 |
| Equity capital to assets | 8.5360% | 2,735 |
| Core capital (leverage) ratio | 9.0013% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4209% | 2,331 |
| Memoranda: | ||
| Average total assets | $343,768,000 | 2,274 |
| Average earning assets | $328,009,000 | 2,240 |
| Average equity | $28,872,000 | 2,472 |
| Average total loans | $261,210,333 | 1,889 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 1,377 |
| Cost of funding earning assets | 0.3180% | 1,485 |
| Net interest margin | 3.3358% | 1,480 |
| Noninterest income to average assets | 0.9261% | 801 |
| Noninterest expense to average assets | 2.2954% | 2,517 |
| Loan and lease loss provision to assets | 0.0580% | 1,355 |
| Net operating income to assets | 1.2591% | 1,095 |
| Return on assets (ROA) | 1.2591% | 1,082 |
| Pretax return on assets | 1.7616% | 599 |
| Return on Equity (ROE) | 15.1143% | 629 |
| Retained earnings to average equity (ytd only) | 15.1143% | 280 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7812% | 3,895 |
| Assets per employee ($millions) | 8.3197% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,910 |
| Loan loss allowance to noncurrent loans | 118.5114% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 711 |
| Noncurrent loans to loans | 1.0037% | 903 |
| Net loans and leases to total assets | 76.7100% | 461 |
| Net loans and leases to deposits | 91.7805% | 441 |
| Net loans and leases to core deposits | 102.1051% | 442 |
| Total domestic deposits to total assets | 83.5798% | 3,851 |
| Equity capital to assets | 8.6446% | 3,027 |
| Core capital (leverage) ratio | 8.7601% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1146% | 2,152 |
| Memoranda: | ||
| Average total assets | $344,688,000 | 2,278 |
| Average earning assets | $329,513,500 | 2,241 |
| Average equity | $28,714,500 | 2,551 |
| Average total loans | $259,973,500 | 1,890 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2585% | 3,326 |
| Cost of funding earning assets | 0.4715% | 1,052 |
| Net interest margin | 2.7870% | 3,697 |
| Noninterest income to average assets | 0.7210% | 1,687 |
| Noninterest expense to average assets | 1.7198% | 4,270 |
| Loan and lease loss provision to assets | 0.1183% | 1,062 |
| Net operating income to assets | 1.1110% | 2,240 |
| Return on assets (ROA) | 1.1110% | 2,303 |
| Pretax return on assets | 1.5581% | 1,548 |
| Return on Equity (ROE) | 16.2944% | 708 |
| Retained earnings to average equity (ytd only) | 16.2944% | 157 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6385% | 4,237 |
| Assets per employee ($millions) | 8.4961% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 3,101 |
| Loan loss allowance to noncurrent loans | 886.5103% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 3,268 |
| Noncurrent loans to loans | 0.1304% | 3,280 |
| Net loans and leases to total assets | 72.4623% | 810 |
| Net loans and leases to deposits | 93.3897% | 406 |
| Net loans and leases to core deposits | 104.2453% | 404 |
| Total domestic deposits to total assets | 77.5913% | 4,429 |
| Equity capital to assets | 8.1009% | 4,306 |
| Core capital (leverage) ratio | 8.6497% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6245% | 2,398 |
| Memoranda: | ||
| Average total assets | $380,459,000 | 2,060 |
| Average earning assets | $365,193,600 | 2,020 |
| Average equity | $25,941,400 | 2,787 |
| Average total loans | $295,548,600 | 1,720 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2021% | 3,602 |
| Cost of funding earning assets | 0.5035% | 1,028 |
| Net interest margin | 2.6986% | 3,975 |
| Noninterest income to average assets | 0.8058% | 1,506 |
| Noninterest expense to average assets | 1.6806% | 4,356 |
| Loan and lease loss provision to assets | 0.1553% | 712 |
| Net operating income to assets | 1.1122% | 2,506 |
| Return on assets (ROA) | 1.1122% | 2,560 |
| Pretax return on assets | 1.5612% | 1,821 |
| Return on Equity (ROE) | 17.0525% | 755 |
| Retained earnings to average equity (ytd only) | 17.0525% | 233 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4718% | 4,267 |
| Assets per employee ($millions) | 8.6748% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,384 |
| Loan loss allowance to noncurrent loans | 622.0165% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 3,203 |
| Noncurrent loans to loans | 0.1789% | 3,236 |
| Net loans and leases to total assets | 75.5221% | 580 |
| Net loans and leases to deposits | 98.2717% | 268 |
| Net loans and leases to core deposits | 110.2022% | 321 |
| Total domestic deposits to total assets | 76.8503% | 4,501 |
| Equity capital to assets | 7.9256% | 4,555 |
| Core capital (leverage) ratio | 8.1327% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7962% | 2,430 |
| Memoranda: | ||
| Average total assets | $386,365,000 | 2,060 |
| Average earning assets | $370,997,250 | 2,019 |
| Average equity | $25,200,000 | 2,870 |
| Average total loans | $304,037,250 | 1,719 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1014% | 3,862 |
| Cost of funding earning assets | 0.5224% | 1,080 |
| Net interest margin | 2.5790% | 4,200 |
| Noninterest income to average assets | 0.8825% | 1,319 |
| Noninterest expense to average assets | 1.5663% | 4,554 |
| Loan and lease loss provision to assets | 0.2269% | 464 |
| Net operating income to assets | 1.1185% | 2,476 |
| Return on assets (ROA) | 1.1185% | 2,545 |
| Pretax return on assets | 1.5688% | 1,826 |
| Return on Equity (ROE) | 18.3278% | 614 |
| Retained earnings to average equity (ytd only) | 18.3278% | 211 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5877% | 4,488 |
| Assets per employee ($millions) | 10.3672% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,820 |
| Loan loss allowance to noncurrent loans | 793.4383% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 3,565 |
| Noncurrent loans to loans | 0.1262% | 3,556 |
| Net loans and leases to total assets | 75.8659% | 601 |
| Net loans and leases to deposits | 107.4985% | 136 |
| Net loans and leases to core deposits | 119.9424% | 217 |
| Total domestic deposits to total assets | 70.5739% | 4,744 |
| Equity capital to assets | 6.9092% | 4,864 |
| Core capital (leverage) ratio | 8.0884% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7817% | 2,441 |
| Memoranda: | ||
| Average total assets | $396,597,333 | 2,017 |
| Average earning assets | $381,317,000 | 1,974 |
| Average equity | $24,203,667 | 2,925 |
| Average total loans | $314,839,333 | 1,681 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0577% | 3,970 |
| Cost of funding earning assets | 0.5456% | 1,128 |
| Net interest margin | 2.5121% | 4,280 |
| Noninterest income to average assets | 0.8977% | 1,334 |
| Noninterest expense to average assets | 1.4877% | 4,664 |
| Loan and lease loss provision to assets | 0.3016% | 309 |
| Net operating income to assets | 1.0877% | 2,517 |
| Return on assets (ROA) | 1.0877% | 2,591 |
| Pretax return on assets | 1.5290% | 1,924 |
| Return on Equity (ROE) | 19.0694% | 617 |
| Retained earnings to average equity (ytd only) | 19.0694% | 315 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8349% | 4,532 |
| Assets per employee ($millions) | 11.9533% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 4,265 |
| Loan loss allowance to noncurrent loans | 90.1192% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 1,197 |
| Noncurrent loans to loans | 0.9565% | 1,414 |
| Net loans and leases to total assets | 78.9826% | 402 |
| Net loans and leases to deposits | 118.8828% | 74 |
| Net loans and leases to core deposits | 133.0010% | 126 |
| Total domestic deposits to total assets | 66.4374% | 4,830 |
| Equity capital to assets | 5.5322% | 4,956 |
| Core capital (leverage) ratio | 7.5127% | 4,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2534% | 2,878 |
| Memoranda: | ||
| Average total assets | $397,919,500 | 2,001 |
| Average earning assets | $383,426,500 | 1,959 |
| Average equity | $22,696,000 | 3,025 |
| Average total loans | $321,309,500 | 1,662 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5631% | 3,895 |
| Cost of funding earning assets | 1.0616% | 472 |
| Net interest margin | 2.5015% | 4,592 |
| Noninterest income to average assets | 0.8067% | 1,512 |
| Noninterest expense to average assets | 1.8273% | 4,431 |
| Loan and lease loss provision to assets | 0.3046% | 1,235 |
| Net operating income to assets | 0.7692% | 3,204 |
| Return on assets (ROA) | 0.7692% | 3,327 |
| Pretax return on assets | 1.0598% | 2,840 |
| Return on Equity (ROE) | 10.9954% | 1,626 |
| Retained earnings to average equity (ytd only) | 10.9954% | 432 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2519% | 3,825 |
| Assets per employee ($millions) | 9.6788% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 4,352 |
| Loan loss allowance to noncurrent loans | 141.0636% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 2,110 |
| Noncurrent loans to loans | 0.5897% | 2,226 |
| Net loans and leases to total assets | 81.2606% | 346 |
| Net loans and leases to deposits | 122.5787% | 64 |
| Net loans and leases to core deposits | 138.0022% | 135 |
| Total domestic deposits to total assets | 66.2926% | 4,843 |
| Equity capital to assets | 5.8937% | 4,979 |
| Core capital (leverage) ratio | 7.6980% | 4,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3734% | 2,829 |
| Memoranda: | ||
| Average total assets | $295,517,000 | 2,311 |
| Average earning assets | $281,750,200 | 2,280 |
| Average equity | $20,672,200 | 3,124 |
| Average total loans | $235,169,400 | 1,997 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 3,711 |
| Cost of funding earning assets | 1.1964% | 379 |
| Net interest margin | 2.5388% | 4,625 |
| Noninterest income to average assets | 0.8086% | 1,458 |
| Noninterest expense to average assets | 1.8524% | 4,405 |
| Loan and lease loss provision to assets | 0.2909% | 1,390 |
| Net operating income to assets | 0.7873% | 3,144 |
| Return on assets (ROA) | 0.7873% | 3,258 |
| Pretax return on assets | 1.0777% | 2,818 |
| Return on Equity (ROE) | 10.6777% | 1,790 |
| Retained earnings to average equity (ytd only) | 10.6777% | 632 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5105% | 3,732 |
| Assets per employee ($millions) | 9.2539% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7627% | 4,451 |
| Loan loss allowance to noncurrent loans | 152.4480% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 2,514 |
| Noncurrent loans to loans | 0.5003% | 2,553 |
| Net loans and leases to total assets | 81.9514% | 436 |
| Net loans and leases to deposits | 128.5426% | 62 |
| Net loans and leases to core deposits | 143.2276% | 147 |
| Total domestic deposits to total assets | 63.7542% | 4,893 |
| Equity capital to assets | 5.9797% | 5,007 |
| Core capital (leverage) ratio | 7.7715% | 4,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6333% | 2,752 |
| Memoranda: | ||
| Average total assets | $275,028,250 | 2,403 |
| Average earning assets | $261,323,500 | 2,366 |
| Average equity | $20,278,500 | 3,154 |
| Average total loans | $216,634,500 | 2,125 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 3,477 |
| Cost of funding earning assets | 1.3448% | 292 |
| Net interest margin | 2.6014% | 4,653 |
| Noninterest income to average assets | 0.7208% | 1,665 |
| Noninterest expense to average assets | 2.0113% | 4,213 |
| Loan and lease loss provision to assets | 0.2435% | 1,729 |
| Net operating income to assets | 0.6899% | 3,423 |
| Return on assets (ROA) | 0.6899% | 3,525 |
| Pretax return on assets | 0.9310% | 3,228 |
| Return on Equity (ROE) | 8.5667% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.5667% | 1,142 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1338% | 2,938 |
| Assets per employee ($millions) | 7.7498% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 4,572 |
| Loan loss allowance to noncurrent loans | 126.4744% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 2,530 |
| Noncurrent loans to loans | 0.5491% | 2,522 |
| Net loans and leases to total assets | 80.8950% | 508 |
| Net loans and leases to deposits | 128.7127% | 53 |
| Net loans and leases to core deposits | 142.3378% | 147 |
| Total domestic deposits to total assets | 62.8493% | 4,931 |
| Equity capital to assets | 6.0090% | 5,038 |
| Core capital (leverage) ratio | 7.6325% | 4,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1183% | 2,560 |
| Memoranda: | ||
| Average total assets | $246,403,333 | 2,561 |
| Average earning assets | $233,490,667 | 2,529 |
| Average equity | $19,844,333 | 3,187 |
| Average total loans | $189,500,000 | 2,311 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 1,504 |
| Cost of funding earning assets | 1.6797% | 144 |
| Net interest margin | 3.0893% | 4,119 |
| Noninterest income to average assets | 0.1598% | 4,575 |
| Noninterest expense to average assets | 2.4422% | 3,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4446% | 4,036 |
| Return on assets (ROA) | 0.4446% | 4,082 |
| Pretax return on assets | 0.6228% | 3,882 |
| Return on Equity (ROE) | 4.5001% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.5001% | 2,498 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6791% | 1,172 |
| Assets per employee ($millions) | 5.0263% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 2,923 |
| Loan loss allowance to noncurrent loans | 290.4514% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 3,300 |
| Noncurrent loans to loans | 0.3967% | 3,065 |
| Net loans and leases to total assets | 71.3908% | 2,022 |
| Net loans and leases to deposits | 81.6358% | 2,499 |
| Net loans and leases to core deposits | 92.6252% | 2,103 |
| Total domestic deposits to total assets | 87.4504% | 1,357 |
| Equity capital to assets | 9.3926% | 4,316 |
| Core capital (leverage) ratio | 9.3032% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9834% | 2,708 |
| Memoranda: | ||
| Average total assets | $195,234,000 | 2,907 |
| Average earning assets | $183,602,500 | 2,887 |
| Average equity | $19,288,500 | 3,240 |
| Average total loans | $142,206,000 | 2,710 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9938% | 1,501 |
| Cost of funding earning assets | 1.6627% | 227 |
| Net interest margin | 3.3311% | 3,914 |
| Noninterest income to average assets | 0.1725% | 4,629 |
| Noninterest expense to average assets | 2.3013% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7522% | 3,693 |
| Return on assets (ROA) | 0.7522% | 3,772 |
| Pretax return on assets | 1.0543% | 3,317 |
| Return on Equity (ROE) | 6.6977% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.6977% | 1,525 |
| Net charge-offs to loans | -0.0265% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5803% | 2,376 |
| Assets per employee ($millions) | 5.7399% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,430 |
| Loan loss allowance to noncurrent loans | 163.6986% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 2,228 |
| Noncurrent loans to loans | 0.7342% | 2,045 |
| Net loans and leases to total assets | 72.6091% | 1,991 |
| Net loans and leases to deposits | 83.3191% | 2,407 |
| Net loans and leases to core deposits | 93.6421% | 2,100 |
| Total domestic deposits to total assets | 87.1458% | 1,541 |
| Equity capital to assets | 10.3966% | 3,547 |
| Core capital (leverage) ratio | 9.6900% | 3,859 |
| Tier 1 risk-based capital ratio | 12.2376% | 4,219 |
| Total risk-based capital ratio | 13.4139% | 4,156 |
| Memoranda: | ||
| Average total assets | $163,519,400 | 3,173 |
| Average earning assets | $156,254,200 | 3,122 |
| Average equity | $18,364,600 | 3,302 |
| Average total loans | $128,206,000 | 2,842 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 1,502 |
| Cost of funding earning assets | 1.6206% | 272 |
| Net interest margin | 3.3915% | 3,883 |
| Noninterest income to average assets | 0.1698% | 4,701 |
| Noninterest expense to average assets | 2.2812% | 4,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8167% | 3,616 |
| Return on assets (ROA) | 0.8167% | 3,700 |
| Pretax return on assets | 1.1453% | 3,151 |
| Return on Equity (ROE) | 7.1129% | 3,634 |
| Retained earnings to average equity (ytd only) | 7.1129% | 1,811 |
| Net charge-offs to loans | -0.0032% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5758% | 2,655 |
| Assets per employee ($millions) | 5.4646% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 4,667 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 79.6593% | 891 |
| Net loans and leases to deposits | 92.3978% | 1,391 |
| Net loans and leases to core deposits | 103.6539% | 1,354 |
| Total domestic deposits to total assets | 86.2134% | 1,901 |
| Equity capital to assets | 11.4608% | 2,684 |
| Core capital (leverage) ratio | 10.4611% | 3,138 |
| Tier 1 risk-based capital ratio | 13.1476% | 3,762 |
| Total risk-based capital ratio | 14.4153% | 3,664 |
| Memoranda: | ||
| Average total assets | $157,045,000 | 3,261 |
| Average earning assets | $150,803,000 | 3,203 |
| Average equity | $18,032,500 | 3,358 |
| Average total loans | $125,455,750 | 2,905 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 1,653 |
| Cost of funding earning assets | 1.5400% | 328 |
| Net interest margin | 3.3959% | 3,905 |
| Noninterest income to average assets | 0.1739% | 4,709 |
| Noninterest expense to average assets | 2.2338% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8566% | 3,449 |
| Return on assets (ROA) | 0.8566% | 3,505 |
| Pretax return on assets | 1.2019% | 2,895 |
| Return on Equity (ROE) | 7.4552% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.4552% | 1,627 |
| Net charge-offs to loans | -0.0049% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0171% | 2,973 |
| Assets per employee ($millions) | 5.3220% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,154 |
| Loan loss allowance to noncurrent loans | 614.9813% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 3,933 |
| Noncurrent loans to loans | 0.2060% | 3,806 |
| Net loans and leases to total assets | 80.1535% | 858 |
| Net loans and leases to deposits | 94.9552% | 1,156 |
| Net loans and leases to core deposits | 104.1354% | 1,375 |
| Total domestic deposits to total assets | 84.4119% | 2,720 |
| Equity capital to assets | 11.3153% | 2,771 |
| Core capital (leverage) ratio | 10.4001% | 3,190 |
| Tier 1 risk-based capital ratio | 12.7461% | 3,981 |
| Total risk-based capital ratio | 14.0207% | 3,872 |
| Memoranda: | ||
| Average total assets | $152,925,330 | 3,316 |
| Average earning assets | $146,884,670 | 3,257 |
| Average equity | $17,571,670 | 3,411 |
| Average total loans | $121,745,000 | 2,966 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 1,541 |
| Cost of funding earning assets | 1.4707% | 360 |
| Net interest margin | 3.4512% | 3,744 |
| Noninterest income to average assets | 0.2033% | 4,534 |
| Noninterest expense to average assets | 2.2921% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8719% | 3,343 |
| Return on assets (ROA) | 0.8719% | 3,391 |
| Pretax return on assets | 1.2249% | 2,716 |
| Return on Equity (ROE) | 7.5269% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.5269% | 1,831 |
| Net charge-offs to loans | -0.0102% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1711% | 3,064 |
| Assets per employee ($millions) | 6.2551% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 1,824 |
| 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 | 79.2690% | 945 |
| Net loans and leases to deposits | 96.5580% | 920 |
| Net loans and leases to core deposits | 105.8822% | 1,185 |
| Total domestic deposits to total assets | 82.0947% | 3,699 |
| Equity capital to assets | 11.7290% | 2,205 |
| Core capital (leverage) ratio | 10.5561% | 2,988 |
| Tier 1 risk-based capital ratio | 13.2221% | 3,758 |
| Total risk-based capital ratio | 14.4998% | 3,646 |
| Memoranda: | ||
| Average total assets | $149,558,000 | 3,392 |
| Average earning assets | $143,604,000 | 3,325 |
| Average equity | $17,324,500 | 3,448 |
| Average total loans | $117,810,000 | 3,044 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 1,602 |
| Cost of funding earning assets | 1.1812% | 366 |
| Net interest margin | 3.5932% | 3,405 |
| Noninterest income to average assets | 0.4302% | 3,243 |
| Noninterest expense to average assets | 2.3593% | 3,973 |
| Loan and lease loss provision to assets | 0.1361% | 1,586 |
| Net operating income to assets | 3.3581% | 63 |
| Return on assets (ROA) | 3.3581% | 64 |
| Pretax return on assets | 1.4297% | 2,036 |
| Return on Equity (ROE) | 34.4396% | 21 |
| Retained earnings to average equity (ytd only) | 34.4396% | 4 |
| Net charge-offs to loans | -0.0029% | 4,278 |
| Credit loss provision to net charge-offs | -5,833.3333% | 4,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1070% | 3,843 |
| Assets per employee ($millions) | 5.9597% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 1,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 4,445 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 76.0693% | 1,599 |
| Net loans and leases to deposits | 90.4519% | 1,741 |
| Net loans and leases to core deposits | 98.0797% | 1,860 |
| Total domestic deposits to total assets | 84.0993% | 2,970 |
| Equity capital to assets | 11.4375% | 2,303 |
| Core capital (leverage) ratio | 10.9186% | 2,604 |
| Tier 1 risk-based capital ratio | 13.4615% | 3,571 |
| Total risk-based capital ratio | 14.7425% | 3,461 |
| Memoranda: | ||
| Average total assets | $128,554,400 | 3,665 |
| Average earning assets | $125,040,800 | 3,574 |
| Average equity | $12,535,000 | 3,952 |
| Average total loans | $104,427,400 | 3,223 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 1,509 |
| Cost of funding earning assets | 1.1061% | 387 |
| Net interest margin | 3.6591% | 3,174 |
| Noninterest income to average assets | 0.5465% | 2,580 |
| Noninterest expense to average assets | 2.4021% | 3,850 |
| Loan and lease loss provision to assets | 0.1890% | 948 |
| Net operating income to assets | 1.5283% | 1,126 |
| Return on assets (ROA) | 1.5283% | 1,128 |
| Pretax return on assets | 1.5283% | 1,812 |
| Return on Equity (ROE) | 16.5370% | 609 |
| Retained earnings to average equity (ytd only) | 16.5370% | 122 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3115% | 4,068 |
| Assets per employee ($millions) | 5.1824% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,352 |
| Loan loss allowance to noncurrent loans | 81,800.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 4,534 |
| Noncurrent loans to loans | 0.0018% | 4,945 |
| Net loans and leases to total assets | 83.0427% | 561 |
| Net loans and leases to deposits | 97.3657% | 1,008 |
| Net loans and leases to core deposits | 104.2548% | 1,439 |
| Total domestic deposits to total assets | 85.2896% | 2,495 |
| Equity capital to assets | 9.3678% | 4,210 |
| Core capital (leverage) ratio | 9.9204% | 3,717 |
| Tier 1 risk-based capital ratio | 12.4313% | 4,234 |
| Total risk-based capital ratio | 13.6736% | 4,127 |
| Memoranda: | ||
| Average total assets | $123,444,750 | 3,775 |
| Average earning assets | $120,538,250 | 3,672 |
| Average equity | $11,408,500 | 4,134 |
| Average total loans | $101,790,000 | 3,297 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7323% | 1,424 |
| Cost of funding earning assets | 1.0790% | 319 |
| Net interest margin | 3.6533% | 3,105 |
| Noninterest income to average assets | 0.7215% | 1,782 |
| Noninterest expense to average assets | 2.4381% | 3,801 |
| Loan and lease loss provision to assets | 0.2471% | 622 |
| Net operating income to assets | 1.6062% | 909 |
| Return on assets (ROA) | 1.6062% | 915 |
| Pretax return on assets | 1.6062% | 1,482 |
| Return on Equity (ROE) | 17.4642% | 481 |
| Retained earnings to average equity (ytd only) | 17.4642% | 112 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8138% | 4,384 |
| Assets per employee ($millions) | 7.4192% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,219 |
| Loan loss allowance to noncurrent loans | 1,239.2308% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 4,480 |
| Noncurrent loans to loans | 0.1257% | 4,347 |
| Net loans and leases to total assets | 80.7248% | 901 |
| Net loans and leases to deposits | 93.9002% | 1,369 |
| Net loans and leases to core deposits | 100.4073% | 1,701 |
| Total domestic deposits to total assets | 85.9688% | 2,296 |
| Equity capital to assets | 9.2756% | 4,309 |
| Core capital (leverage) ratio | 9.7206% | 3,860 |
| Tier 1 risk-based capital ratio | 12.8891% | 3,955 |
| Total risk-based capital ratio | 14.1455% | 3,871 |
| Memoranda: | ||
| Average total assets | $121,406,000 | 3,836 |
| Average earning assets | $118,631,330 | 3,738 |
| Average equity | $11,165,670 | 4,211 |
| Average total loans | $99,311,000 | 3,347 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 1,168 |
| Cost of funding earning assets | 1.0769% | 252 |
| Net interest margin | 3.6813% | 2,878 |
| Noninterest income to average assets | 0.1646% | 5,034 |
| Noninterest expense to average assets | 2.5368% | 3,538 |
| Loan and lease loss provision to assets | 0.2520% | 587 |
| Net operating income to assets | 0.9711% | 2,981 |
| Return on assets (ROA) | 0.9711% | 3,011 |
| Pretax return on assets | 0.9711% | 3,632 |
| Return on Equity (ROE) | 10.6065% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.6065% | 989 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4710% | 2,924 |
| Assets per employee ($millions) | 7.1074% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 1,338 |
| Loan loss allowance to noncurrent loans | 1,105.0360% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,477 |
| Noncurrent loans to loans | 0.1388% | 4,347 |
| Net loans and leases to total assets | 81.6040% | 711 |
| Net loans and leases to deposits | 92.2727% | 1,421 |
| Net loans and leases to core deposits | 99.6584% | 1,715 |
| Total domestic deposits to total assets | 88.4378% | 1,386 |
| Equity capital to assets | 9.1248% | 4,436 |
| Core capital (leverage) ratio | 9.3696% | 4,225 |
| Tier 1 risk-based capital ratio | 12.6650% | 4,134 |
| Total risk-based capital ratio | 13.9210% | 4,032 |
| Memoranda: | ||
| Average total assets | $119,046,000 | 3,913 |
| Average earning assets | $116,262,500 | 3,808 |
| Average equity | $10,899,000 | 4,284 |
| Average total loans | $97,253,500 | 3,410 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 1,426 |
| Cost of funding earning assets | 0.8641% | 451 |
| Net interest margin | 3.7373% | 2,646 |
| Noninterest income to average assets | 0.1567% | 5,179 |
| Noninterest expense to average assets | 3.1801% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6239% | 3,914 |
| Return on assets (ROA) | 0.6239% | 3,954 |
| Pretax return on assets | 0.6239% | 4,688 |
| Return on Equity (ROE) | 6.8489% | 3,352 |
| Retained earnings to average equity (ytd only) | 6.8489% | 1,139 |
| Net charge-offs to loans | 0.0723% | 2,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.4576% | 2,674 |
| Efficiency ratio | 83.5991% | 804 |
| Assets per employee ($millions) | 6.8981% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,279 |
| Loan loss allowance to noncurrent loans | 1,007.5862% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 4,441 |
| Noncurrent loans to loans | 0.1536% | 4,315 |
| Net loans and leases to total assets | 79.2312% | 1,074 |
| Net loans and leases to deposits | 88.4733% | 1,962 |
| Net loans and leases to core deposits | 94.3710% | 2,161 |
| Total domestic deposits to total assets | 89.5538% | 747 |
| Equity capital to assets | 9.1867% | 4,541 |
| Core capital (leverage) ratio | 9.6217% | 3,898 |
| Tier 1 risk-based capital ratio | 12.9715% | 3,923 |
| Total risk-based capital ratio | 14.2276% | 3,819 |
| Memoranda: | ||
| Average total assets | $98,896,000 | 4,258 |
| Average earning assets | $96,513,400 | 4,154 |
| Average equity | $9,008,800 | 4,610 |
| Average total loans | $81,562,200 | 3,718 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 1,423 |
| Cost of funding earning assets | 0.8067% | 557 |
| Net interest margin | 3.7729% | 2,496 |
| Noninterest income to average assets | 0.0848% | 5,521 |
| Noninterest expense to average assets | 3.3211% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4468% | 4,888 |
| Return on assets (ROA) | 0.4468% | 4,917 |
| Pretax return on assets | 0.4468% | 5,117 |
| Return on Equity (ROE) | 4.9175% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.9175% | 2,944 |
| Net charge-offs to loans | 0.1004% | 1,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.3562% | 3,119 |
| Efficiency ratio | 88.1426% | 505 |
| Assets per employee ($millions) | 5.8866% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 1,103 |
| Loan loss allowance to noncurrent loans | 124.3404% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.1354% | 1,453 |
| Noncurrent loans to loans | 1.3377% | 1,420 |
| Net loans and leases to total assets | 81.5191% | 763 |
| Net loans and leases to deposits | 89.8945% | 1,820 |
| Net loans and leases to core deposits | 95.9318% | 2,082 |
| Total domestic deposits to total assets | 90.6831% | 262 |
| Equity capital to assets | 8.4949% | 5,290 |
| Core capital (leverage) ratio | 8.8758% | 4,897 |
| Tier 1 risk-based capital ratio | 11.7824% | 4,784 |
| Total risk-based capital ratio | 13.0400% | 4,641 |
| Memoranda: | ||
| Average total assets | $94,303,250 | 4,378 |
| Average earning assets | $92,057,000 | 4,279 |
| Average equity | $8,567,750 | 4,738 |
| Average total loans | $78,359,500 | 3,815 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 1,537 |
| Cost of funding earning assets | 0.7458% | 699 |
| Net interest margin | 3.7451% | 2,490 |
| Noninterest income to average assets | 0.1880% | 5,108 |
| Noninterest expense to average assets | 3.4551% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3871% | 5,004 |
| Return on assets (ROA) | 0.3871% | 5,031 |
| Pretax return on assets | 0.3871% | 5,192 |
| Return on Equity (ROE) | 4.1551% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.1551% | 3,234 |
| Net charge-offs to loans | 0.1569% | 1,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.9661% | 3,097 |
| Efficiency ratio | 89.9252% | 459 |
| Assets per employee ($millions) | 5.8652% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 974 |
| Loan loss allowance to noncurrent loans | 273.0841% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 1,465 |
| Noncurrent loans to loans | 0.6427% | 2,805 |
| Net loans and leases to total assets | 82.0205% | 663 |
| Net loans and leases to deposits | 90.8062% | 1,630 |
| Net loans and leases to core deposits | 96.4706% | 1,930 |
| Total domestic deposits to total assets | 90.3247% | 418 |
| Equity capital to assets | 8.8920% | 4,998 |
| Core capital (leverage) ratio | 9.6206% | 3,999 |
| Tier 1 risk-based capital ratio | 12.1173% | 4,559 |
| Total risk-based capital ratio | 13.3766% | 4,431 |
| Memoranda: | ||
| Average total assets | $90,418,330 | 4,491 |
| Average earning assets | $88,221,670 | 4,396 |
| Average equity | $8,423,330 | 4,780 |
| Average total loans | $75,200,330 | 3,897 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 1,332 |
| Cost of funding earning assets | 0.7125% | 790 |
| Net interest margin | 3.8064% | 2,090 |
| Noninterest income to average assets | 0.2798% | 4,551 |
| Noninterest expense to average assets | 3.6515% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3404% | 5,101 |
| Return on assets (ROA) | 0.3404% | 5,119 |
| Pretax return on assets | 0.3404% | 5,246 |
| Return on Equity (ROE) | 3.5601% | 4,938 |
| Retained earnings to average equity (ytd only) | 3.5601% | 3,665 |
| Net charge-offs to loans | 0.3316% | 555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.2373% | 2,747 |
| Efficiency ratio | 91.4720% | 480 |
| Assets per employee ($millions) | 5.5064% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9793% | 692 |
| Loan loss allowance to noncurrent loans | 350.3597% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 1.2236% | 1,425 |
| Noncurrent loans to loans | 0.5649% | 3,113 |
| Net loans and leases to total assets | 82.1243% | 553 |
| Net loans and leases to deposits | 91.4496% | 1,384 |
| Net loans and leases to core deposits | 97.5450% | 1,697 |
| Total domestic deposits to total assets | 89.8028% | 746 |
| Equity capital to assets | 9.3618% | 4,431 |
| Core capital (leverage) ratio | 9.8644% | 3,675 |
| Tier 1 risk-based capital ratio | 12.7803% | 4,210 |
| Total risk-based capital ratio | 14.0432% | 4,098 |
| Memoranda: | ||
| Average total assets | $85,773,500 | 4,608 |
| Average earning assets | $83,649,000 | 4,515 |
| Average equity | $8,202,000 | 4,859 |
| Average total loans | $71,179,500 | 4,023 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 1,308 |
| Cost of funding earning assets | 0.6317% | 1,148 |
| Net interest margin | 3.9558% | 1,763 |
| Noninterest income to average assets | 0.2872% | 4,686 |
| Noninterest expense to average assets | 4.3997% | 413 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.2796% | 5,736 |
| Return on assets (ROA) | -0.2796% | 5,745 |
| Pretax return on assets | -0.2796% | 5,734 |
| Return on Equity (ROE) | -2.6316% | 5,746 |
| Retained earnings to average equity (ytd only) | -2.6316% | 5,568 |
| Net charge-offs to loans | -0.1306% | 5,655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7865% | 152 |
| Assets per employee ($millions) | 5.2153% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2176% | 451 |
| Loan loss allowance to noncurrent loans | 85.1064% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 3.0535% | 323 |
| Noncurrent loans to loans | 2.6056% | 587 |
| Net loans and leases to total assets | 80.3221% | 848 |
| Net loans and leases to deposits | 89.8421% | 1,705 |
| Net loans and leases to core deposits | 96.1138% | 1,916 |
| Total domestic deposits to total assets | 89.4037% | 899 |
| Equity capital to assets | 9.7742% | 3,978 |
| Core capital (leverage) ratio | 10.5930% | 2,782 |
| Tier 1 risk-based capital ratio | 14.1030% | 3,411 |
| Total risk-based capital ratio | 15.3700% | 3,320 |
| Memoranda: | ||
| Average total assets | $66,164,000 | 5,008 |
| Average earning assets | $64,109,200 | 4,937 |
| Average equity | $7,030,000 | 5,085 |
| Average total loans | $55,114,200 | 4,430 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 1,202 |
| Cost of funding earning assets | 0.6023% | 1,303 |
| Net interest margin | 4.0419% | 1,551 |
| Noninterest income to average assets | 0.3536% | 4,258 |
| Noninterest expense to average assets | 4.7753% | 308 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.5153% | 5,858 |
| Return on assets (ROA) | -0.5153% | 5,861 |
| Pretax return on assets | -0.5153% | 5,852 |
| Return on Equity (ROE) | -4.7219% | 5,860 |
| Retained earnings to average equity (ytd only) | -4.7219% | 5,727 |
| Net charge-offs to loans | -0.1855% | 5,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0951% | 112 |
| Assets per employee ($millions) | 4.5030% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5402% | 321 |
| Loan loss allowance to noncurrent loans | 78.9200% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 3.7753% | 237 |
| Noncurrent loans to loans | 3.2187% | 443 |
| Net loans and leases to total assets | 80.9433% | 768 |
| Net loans and leases to deposits | 92.3703% | 1,450 |
| Net loans and leases to core deposits | 100.2269% | 1,613 |
| Total domestic deposits to total assets | 87.6291% | 1,598 |
| Equity capital to assets | 11.3563% | 2,645 |
| Core capital (leverage) ratio | 12.2306% | 1,525 |
| Tier 1 risk-based capital ratio | 16.2471% | 2,529 |
| Total risk-based capital ratio | 17.5197% | 2,465 |
| Memoranda: | ||
| Average total assets | $61,844,000 | 5,145 |
| Average earning assets | $59,771,750 | 5,069 |
| Average equity | $6,748,500 | 5,192 |
| Average total loans | $51,756,750 | 4,561 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 951 |
| Cost of funding earning assets | 0.5892% | 1,406 |
| Net interest margin | 4.1632% | 1,195 |
| Noninterest income to average assets | 0.3217% | 4,485 |
| Noninterest expense to average assets | 4.9861% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.6502% | 5,945 |
| Return on assets (ROA) | -0.6502% | 5,950 |
| Pretax return on assets | -0.6502% | 5,940 |
| Return on Equity (ROE) | -6.0600% | 5,942 |
| Retained earnings to average equity (ytd only) | -6.0600% | 5,790 |
| Net charge-offs to loans | -0.1019% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9961% | 113 |
| Assets per employee ($millions) | 3.5699% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9073% | 219 |
| Loan loss allowance to noncurrent loans | 161.5132% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 2.9891% | 410 |
| Noncurrent loans to loans | 1.8000% | 1,148 |
| Net loans and leases to total assets | 81.0589% | 739 |
| Net loans and leases to deposits | 95.0516% | 1,180 |
| Net loans and leases to core deposits | 103.5664% | 1,361 |
| Total domestic deposits to total assets | 85.2788% | 2,744 |
| Equity capital to assets | 13.5661% | 1,199 |
| Core capital (leverage) ratio | 14.2947% | 749 |
| Tier 1 risk-based capital ratio | 19.5878% | 1,540 |
| Total risk-based capital ratio | 20.8649% | 1,500 |
| Memoranda: | ||
| Average total assets | $58,442,670 | 5,280 |
| Average earning assets | $56,350,670 | 5,215 |
| Average equity | $6,270,670 | 5,334 |
| Average total loans | $49,063,000 | 4,677 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 950 |
| Cost of funding earning assets | 0.6009% | 1,328 |
| Net interest margin | 4.1483% | 1,220 |
| Noninterest income to average assets | 0.2442% | 4,989 |
| Noninterest expense to average assets | 5.0733% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.8304% | 6,016 |
| Return on assets (ROA) | -0.8304% | 6,017 |
| Pretax return on assets | -0.8304% | 6,009 |
| Return on Equity (ROE) | -8.9990% | 6,019 |
| Retained earnings to average equity (ytd only) | -8.9990% | 5,778 |
| Net charge-offs to loans | -0.1409% | 5,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.5724% | 105 |
| Assets per employee ($millions) | 3.5601% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0497% | 214 |
| Loan loss allowance to noncurrent loans | 127.7245% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 3.5971% | 301 |
| Noncurrent loans to loans | 2.3877% | 815 |
| Net loans and leases to total assets | 81.7598% | 591 |
| Net loans and leases to deposits | 90.9378% | 1,465 |
| Net loans and leases to core deposits | 99.1569% | 1,548 |
| Total domestic deposits to total assets | 89.9073% | 639 |
| Equity capital to assets | 9.1816% | 5,004 |
| Core capital (leverage) ratio | 9.1093% | 4,724 |
| Tier 1 risk-based capital ratio | 13.2713% | 4,110 |
| Total risk-based capital ratio | 14.5511% | 4,022 |
| Memoranda: | ||
| Average total assets | $57,320,000 | 5,355 |
| Average earning assets | $55,251,000 | 5,291 |
| Average equity | $5,289,500 | 5,558 |
| Average total loans | $48,261,500 | 4,728 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,235 |
| Cost of funding earning assets | 0.5899% | 1,436 |
| Net interest margin | 3.7094% | 2,718 |
| Noninterest income to average assets | -0.0764% | 6,138 |
| Noninterest expense to average assets | 5.4009% | 218 |
| Loan and lease loss provision to assets | -0.1418% | 5,912 |
| Net operating income to assets | -1.7676% | 6,131 |
| Return on assets (ROA) | -1.7676% | 6,131 |
| Pretax return on assets | -1.7676% | 6,131 |
| Return on Equity (ROE) | -19.4969% | 6,137 |
| Retained earnings to average equity (ytd only) | -19.4969% | 6,117 |
| Net charge-offs to loans | 0.1824% | 1,573 |
| Credit loss provision to net charge-offs | -101.2987% | 5,153 |
| Earnings coverage of net charge-offs (x) | -13.6364% | 4,431 |
| Efficiency ratio | 154.6875% | 33 |
| Assets per employee ($millions) | 3.6049% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9864% | 219 |
| Loan loss allowance to noncurrent loans | 107.1006% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 4.8372% | 183 |
| Noncurrent loans to loans | 2.7884% | 617 |
| Net loans and leases to total assets | 81.5528% | 634 |
| Net loans and leases to deposits | 90.5570% | 1,547 |
| Net loans and leases to core deposits | 98.5977% | 1,624 |
| Total domestic deposits to total assets | 90.0569% | 610 |
| Equity capital to assets | 9.2739% | 4,819 |
| Core capital (leverage) ratio | 9.3344% | 4,419 |
| Tier 1 risk-based capital ratio | 13.1491% | 4,205 |
| Total risk-based capital ratio | 14.4283% | 4,108 |
| Memoranda: | ||
| Average total assets | $54,991,000 | 5,432 |
| Average earning assets | $52,892,400 | 5,361 |
| Average equity | $4,985,400 | 5,658 |
| Average total loans | $42,203,800 | 4,924 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1370% | 2,789 |
| Cost of funding earning assets | 0.5815% | 1,529 |
| Net interest margin | 3.5555% | 3,321 |
| Noninterest income to average assets | 0.2774% | 4,960 |
| Noninterest expense to average assets | 5.7363% | 195 |
| Loan and lease loss provision to assets | 0.2405% | 731 |
| Net operating income to assets | -2.2778% | 6,234 |
| Return on assets (ROA) | -2.2778% | 6,236 |
| Pretax return on assets | -2.2778% | 6,233 |
| Return on Equity (ROE) | -25.2794% | 6,234 |
| Retained earnings to average equity (ytd only) | -25.2794% | 6,222 |
| Net charge-offs to loans | -0.0263% | 5,297 |
| Credit loss provision to net charge-offs | -1,225.0000% | 5,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.0763% | 38 |
| Assets per employee ($millions) | 3.5041% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6880% | 118 |
| Loan loss allowance to noncurrent loans | 80.0468% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 6.5014% | 126 |
| Noncurrent loans to loans | 4.6073% | 236 |
| Net loans and leases to total assets | 79.6058% | 868 |
| Net loans and leases to deposits | 88.4886% | 1,836 |
| Net loans and leases to core deposits | 96.0096% | 1,879 |
| Total domestic deposits to total assets | 89.9617% | 586 |
| Equity capital to assets | 9.1751% | 5,141 |
| Core capital (leverage) ratio | 9.2094% | 4,715 |
| Tier 1 risk-based capital ratio | 13.4983% | 4,143 |
| Total risk-based capital ratio | 14.7881% | 4,047 |
| Memoranda: | ||
| Average total assets | $54,319,250 | 5,518 |
| Average earning assets | $52,274,750 | 5,448 |
| Average equity | $4,894,500 | 5,751 |
| Average total loans | $40,633,250 | 5,034 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9821% | 3,370 |
| Cost of funding earning assets | 0.5551% | 1,774 |
| Net interest margin | 3.4270% | 3,803 |
| Noninterest income to average assets | 0.3792% | 4,237 |
| Noninterest expense to average assets | 5.5349% | 220 |
| Loan and lease loss provision to assets | 0.3643% | 352 |
| Net operating income to assets | -2.2155% | 6,309 |
| Return on assets (ROA) | -2.2155% | 6,310 |
| Pretax return on assets | -2.2155% | 6,308 |
| Return on Equity (ROE) | -24.4329% | 6,307 |
| Retained earnings to average equity (ytd only) | -24.4329% | 6,284 |
| Net charge-offs to loans | -0.0258% | 5,268 |
| Credit loss provision to net charge-offs | -1,960.0000% | 5,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.2523% | 43 |
| Assets per employee ($millions) | 3.0143% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7922% | 128 |
| Loan loss allowance to noncurrent loans | 72.5799% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 6.4213% | 143 |
| Noncurrent loans to loans | 5.2249% | 208 |
| Net loans and leases to total assets | 75.3746% | 1,458 |
| Net loans and leases to deposits | 84.9452% | 2,195 |
| Net loans and leases to core deposits | 106.1848% | 1,065 |
| Total domestic deposits to total assets | 88.7333% | 1,278 |
| Equity capital to assets | 9.1749% | 5,049 |
| Core capital (leverage) ratio | 9.4035% | 4,411 |
| Tier 1 risk-based capital ratio | 12.1030% | 5,074 |
| Total risk-based capital ratio | 13.3862% | 4,952 |
| Memoranda: | ||
| Average total assets | $53,803,670 | 5,596 |
| Average earning assets | $51,882,000 | 5,521 |
| Average equity | $4,878,670 | 5,809 |
| Average total loans | $38,757,000 | 5,152 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 3,672 |
| Cost of funding earning assets | 0.5719% | 1,643 |
| Net interest margin | 3.3157% | 4,150 |
| Noninterest income to average assets | 0.3285% | 4,561 |
| Noninterest expense to average assets | 4.9648% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.4335% | 6,347 |
| Return on assets (ROA) | -1.4335% | 6,350 |
| Pretax return on assets | -1.4335% | 6,344 |
| Return on Equity (ROE) | -15.9039% | 6,349 |
| Retained earnings to average equity (ytd only) | -15.9039% | 6,230 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.5920% | 61 |
| Assets per employee ($millions) | 2.9136% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8378% | 144 |
| Loan loss allowance to noncurrent loans | 59.4563% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 7.3887% | 117 |
| Noncurrent loans to loans | 6.4549% | 163 |
| Net loans and leases to total assets | 72.0946% | 1,791 |
| Net loans and leases to deposits | 81.7354% | 2,370 |
| Net loans and leases to core deposits | 88.0592% | 2,327 |
| Total domestic deposits to total assets | 88.2048% | 1,702 |
| Equity capital to assets | 10.2660% | 3,810 |
| Core capital (leverage) ratio | 10.0798% | 3,503 |
| Tier 1 risk-based capital ratio | 13.9517% | 4,056 |
| Total risk-based capital ratio | 15.2026% | 3,977 |
| Memoranda: | ||
| Average total assets | $53,577,000 | 5,649 |
| Average earning assets | $51,753,000 | 5,570 |
| Average equity | $4,829,000 | 5,878 |
| Average total loans | $36,881,500 | 5,254 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 5,741 |
| Cost of funding earning assets | 0.7083% | 1,056 |
| Net interest margin | 2.5660% | 6,101 |
| Noninterest income to average assets | 0.4065% | 4,133 |
| Noninterest expense to average assets | 5.9366% | 188 |
| Loan and lease loss provision to assets | 4.3875% | 8 |
| Net operating income to assets | -7.4068% | 6,503 |
| Return on assets (ROA) | -7.4068% | 6,504 |
| Pretax return on assets | -7.4068% | 6,505 |
| Return on Equity (ROE) | -133.2646% | 6,506 |
| Retained earnings to average equity (ytd only) | -133.2646% | 6,506 |
| Net charge-offs to loans | 0.1592% | 2,442 |
| Credit loss provision to net charge-offs | 4,711.5385% | 64 |
| Earnings coverage of net charge-offs (x) | -32.4231% | 4,944 |
| Efficiency ratio | 203.4991% | 21 |
| Assets per employee ($millions) | 2.9303% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1037% | 22 |
| Loan loss allowance to noncurrent loans | 84.4012% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 6.8019% | 158 |
| Noncurrent loans to loans | 8.4166% | 101 |
| Net loans and leases to total assets | 59.0955% | 3,908 |
| Net loans and leases to deposits | 66.4727% | 4,274 |
| Net loans and leases to core deposits | 71.2519% | 4,194 |
| Total domestic deposits to total assets | 88.9019% | 1,291 |
| Equity capital to assets | 9.4134% | 4,823 |
| Core capital (leverage) ratio | 9.3420% | 4,474 |
| Tier 1 risk-based capital ratio | 15.6175% | 3,181 |
| Total risk-based capital ratio | 16.9446% | 3,061 |
| Memoranda: | ||
| Average total assets | $55,840,400 | 5,654 |
| Average earning assets | $54,638,600 | 5,556 |
| Average equity | $3,103,600 | 6,247 |
| Average total loans | $32,661,800 | 5,463 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2281% | 5,872 |
| Cost of funding earning assets | 0.7227% | 1,033 |
| Net interest margin | 2.5054% | 6,219 |
| Noninterest income to average assets | 0.3316% | 4,785 |
| Noninterest expense to average assets | 4.9055% | 328 |
| Loan and lease loss provision to assets | 3.4596% | 12 |
| Net operating income to assets | -5.5688% | 6,577 |
| Return on assets (ROA) | -5.5688% | 6,578 |
| Pretax return on assets | -5.5688% | 6,580 |
| Return on Equity (ROE) | -121.1217% | 6,583 |
| Retained earnings to average equity (ytd only) | -121.1217% | 6,583 |
| Net charge-offs to loans | -0.0167% | 5,566 |
| Credit loss provision to net charge-offs | -36,250.0000% | 6,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.4266% | 32 |
| Assets per employee ($millions) | 3.0993% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9281% | 87 |
| Loan loss allowance to noncurrent loans | 41.4557% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 7.3887% | 154 |
| Noncurrent loans to loans | 11.8875% | 54 |
| Net loans and leases to total assets | 54.3612% | 4,536 |
| Net loans and leases to deposits | 61.4541% | 4,799 |
| Net loans and leases to core deposits | 66.2523% | 4,682 |
| Total domestic deposits to total assets | 88.4581% | 1,525 |
| Equity capital to assets | 10.7550% | 3,233 |
| Core capital (leverage) ratio | 10.5605% | 2,967 |
| Tier 1 risk-based capital ratio | 20.3764% | 1,577 |
| Total risk-based capital ratio | 21.6755% | 1,534 |
| Memoranda: | ||
| Average total assets | $55,881,500 | 5,715 |
| Average earning assets | $54,974,250 | 5,614 |
| Average equity | $2,569,250 | 6,410 |
| Average total loans | $31,972,750 | 5,543 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0807% | 6,087 |
| Cost of funding earning assets | 0.7375% | 983 |
| Net interest margin | 2.3432% | 6,388 |
| Noninterest income to average assets | 0.3720% | 4,459 |
| Noninterest expense to average assets | 5.0865% | 299 |
| Loan and lease loss provision to assets | 3.7129% | 11 |
| Net operating income to assets | -6.1203% | 6,650 |
| Return on assets (ROA) | -6.1203% | 6,650 |
| Pretax return on assets | -6.1203% | 6,650 |
| Return on Equity (ROE) | -240.0275% | 6,656 |
| Retained earnings to average equity (ytd only) | -240.0275% | 6,656 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 189.8531% | 27 |
| Assets per employee ($millions) | 3.4485% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6278% | 231 |
| Loan loss allowance to noncurrent loans | 31.7932% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 6.5876% | 207 |
| Noncurrent loans to loans | 11.4106% | 53 |
| Net loans and leases to total assets | 52.3821% | 4,705 |
| Net loans and leases to deposits | 58.2459% | 5,019 |
| Net loans and leases to core deposits | 62.4319% | 4,934 |
| Total domestic deposits to total assets | 89.9326% | 846 |
| Equity capital to assets | 9.1684% | 5,139 |
| Core capital (leverage) ratio | 9.9283% | 3,705 |
| Tier 1 risk-based capital ratio | 20.4005% | 1,591 |
| Total risk-based capital ratio | 21.6899% | 1,549 |
| Memoranda: | ||
| Average total assets | $55,912,670 | 5,762 |
| Average earning assets | $55,052,330 | 5,660 |
| Average equity | $1,425,670 | 6,611 |
| Average total loans | $31,997,330 | 5,577 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2341% | 5,959 |
| Cost of funding earning assets | 0.7675% | 893 |
| Net interest margin | 2.4665% | 6,357 |
| Noninterest income to average assets | 0.3006% | 4,952 |
| Noninterest expense to average assets | 5.1103% | 299 |
| Loan and lease loss provision to assets | 6.7233% | 3 |
| Net operating income to assets | -9.1062% | 6,725 |
| Return on assets (ROA) | -9.1062% | 6,725 |
| Pretax return on assets | -9.1062% | 6,724 |
| Return on Equity (ROE) | 904.9180% | 1 |
| Retained earnings to average equity (ytd only) | 904.9180% | 1 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 187.3656% | 34 |
| Assets per employee ($millions) | 2.9380% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2681% | 337 |
| Loan loss allowance to noncurrent loans | 18.1770% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 11.1943% | 89 |
| Noncurrent loans to loans | 17.9792% | 25 |
| Net loans and leases to total assets | 57.9287% | 3,850 |
| Net loans and leases to deposits | 57.0017% | 5,033 |
| Net loans and leases to core deposits | 61.7915% | 4,903 |
| Total domestic deposits to total assets | 101.6262% | 1 |
| Equity capital to assets | -2.2124% | 6,730 |
| Core capital (leverage) ratio | -2.2467% | 6,729 |
| Tier 1 risk-based capital ratio | -4.4811% | 6,729 |
| Total risk-based capital ratio | -4.4811% | 6,729 |
| Memoranda: | ||
| Average total assets | $54,556,500 | 5,856 |
| Average earning assets | $53,678,500 | 5,742 |
| Average equity | $-549,000 | 6,730 |
| Average total loans | $32,063,500 | 5,627 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 3,530 |
| Cost of funding earning assets | 0.9215% | 665 |
| Net interest margin | 3.2313% | 4,890 |
| Noninterest income to average assets | 0.3393% | 4,894 |
| Noninterest expense to average assets | 4.2765% | 644 |
| Loan and lease loss provision to assets | 1.9847% | 49 |
| Net operating income to assets | -3.1620% | 6,766 |
| Return on assets (ROA) | -3.1620% | 6,764 |
| Pretax return on assets | -3.1620% | 6,764 |
| Return on Equity (ROE) | -141.8138% | 6,809 |
| Retained earnings to average equity (ytd only) | -141.8138% | 6,809 |
| Net charge-offs to loans | 7.8174% | 8 |
| Credit loss provision to net charge-offs | 40.1510% | 4,042 |
| Earnings coverage of net charge-offs (x) | -0.2382% | 5,157 |
| Efficiency ratio | 137.9858% | 88 |
| Assets per employee ($millions) | 3.1238% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3636% | 6,660 |
| Loan loss allowance to noncurrent loans | 3.3249% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 6.7136% | 260 |
| Noncurrent loans to loans | 10.9345% | 91 |
| Net loans and leases to total assets | 57.5130% | 4,120 |
| Net loans and leases to deposits | 58.3568% | 5,094 |
| Net loans and leases to core deposits | 63.6845% | 4,899 |
| Total domestic deposits to total assets | 98.5541% | 4 |
| Equity capital to assets | 0.1280% | 6,810 |
| Core capital (leverage) ratio | 0.1010% | 6,810 |
| Tier 1 risk-based capital ratio | 0.2265% | 6,810 |
| Total risk-based capital ratio | 0.2265% | 6,810 |
| Memoranda: | ||
| Average total assets | $58,950,200 | 5,782 |
| Average earning assets | $50,351,000 | 5,873 |
| Average equity | $1,314,400 | 6,775 |
| Average total loans | $37,275,600 | 5,453 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 2,697 |
| Cost of funding earning assets | 0.9557% | 621 |
| Net interest margin | 3.4128% | 4,236 |
| Noninterest income to average assets | 0.3197% | 5,131 |
| Noninterest expense to average assets | 4.4003% | 576 |
| Loan and lease loss provision to assets | 0.1409% | 2,530 |
| Net operating income to assets | -1.4109% | 6,748 |
| Return on assets (ROA) | -1.4109% | 6,752 |
| Pretax return on assets | -1.4109% | 6,747 |
| Return on Equity (ROE) | -51.7729% | 6,863 |
| Retained earnings to average equity (ytd only) | -51.7729% | 6,860 |
| Net charge-offs to loans | 0.4366% | 1,470 |
| Credit loss provision to net charge-offs | 50.0000% | 3,494 |
| Earnings coverage of net charge-offs (x) | -4.5078% | 5,133 |
| Efficiency ratio | 140.5714% | 97 |
| Assets per employee ($millions) | 3.2759% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9367% | 120 |
| Loan loss allowance to noncurrent loans | 27.9435% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 11.3828% | 101 |
| Noncurrent loans to loans | 17.6669% | 30 |
| Net loans and leases to total assets | 58.7491% | 3,885 |
| Net loans and leases to deposits | 61.0045% | 4,866 |
| Net loans and leases to core deposits | 66.4060% | 4,676 |
| Total domestic deposits to total assets | 96.3030% | 19 |
| Equity capital to assets | 2.2114% | 6,873 |
| Core capital (leverage) ratio | 2.1729% | 6,880 |
| Tier 1 risk-based capital ratio | 4.4917% | 6,860 |
| Total risk-based capital ratio | 5.8024% | 6,861 |
| Memoranda: | ||
| Average total assets | $59,630,500 | 5,830 |
| Average earning assets | $49,108,750 | 5,983 |
| Average equity | $1,625,000 | 6,822 |
| Average total loans | $38,480,250 | 5,462 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7738% | 1,386 |
| Cost of funding earning assets | 1.0257% | 478 |
| Net interest margin | 3.7481% | 2,769 |
| Noninterest income to average assets | 0.3241% | 5,110 |
| Noninterest expense to average assets | 4.5011% | 526 |
| Loan and lease loss provision to assets | 0.2105% | 1,803 |
| Net operating income to assets | -1.4937% | 6,812 |
| Return on assets (ROA) | -1.4937% | 6,815 |
| Pretax return on assets | -1.4937% | 6,805 |
| Return on Equity (ROE) | -51.6166% | 6,907 |
| Retained earnings to average equity (ytd only) | -51.6166% | 6,902 |
| Net charge-offs to loans | 0.4903% | 1,333 |
| Credit loss provision to net charge-offs | 65.6250% | 2,922 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 4,816 |
| Efficiency ratio | 139.8754% | 99 |
| Assets per employee ($millions) | 3.3368% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9727% | 115 |
| Loan loss allowance to noncurrent loans | 25.8333% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 12.2440% | 95 |
| Noncurrent loans to loans | 19.2491% | 24 |
| Net loans and leases to total assets | 58.1932% | 3,956 |
| Net loans and leases to deposits | 60.5408% | 4,915 |
| Net loans and leases to core deposits | 65.7970% | 4,709 |
| Total domestic deposits to total assets | 96.1223% | 23 |
| Equity capital to assets | 2.4924% | 6,918 |
| Core capital (leverage) ratio | 2.5048% | 6,919 |
| Tier 1 risk-based capital ratio | 5.1641% | 6,891 |
| Total risk-based capital ratio | 6.4761% | 6,892 |
| Memoranda: | ||
| Average total assets | $59,852,000 | 5,857 |
| Average earning assets | $46,210,670 | 6,095 |
| Average equity | $1,732,000 | 6,854 |
| Average total loans | $39,160,000 | 5,462 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7223% | 261 |
| Cost of funding earning assets | 1.2068% | 222 |
| Net interest margin | 4.5155% | 662 |
| Noninterest income to average assets | 0.3080% | 5,222 |
| Noninterest expense to average assets | 4.2178% | 699 |
| Loan and lease loss provision to assets | 0.4218% | 716 |
| Net operating income to assets | -1.3256% | 6,867 |
| Return on assets (ROA) | -1.3256% | 6,872 |
| Pretax return on assets | -1.3256% | 6,862 |
| Return on Equity (ROE) | -42.8224% | 6,960 |
| Retained earnings to average equity (ytd only) | -42.8224% | 6,948 |
| Net charge-offs to loans | 0.9715% | 631 |
| Credit loss provision to net charge-offs | 64.2857% | 2,369 |
| Earnings coverage of net charge-offs (x) | -1.3776% | 3,987 |
| Efficiency ratio | 127.2727% | 167 |
| Assets per employee ($millions) | 3.0813% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6646% | 174 |
| Loan loss allowance to noncurrent loans | 30.4500% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 10.7167% | 165 |
| Noncurrent loans to loans | 15.3190% | 69 |
| Net loans and leases to total assets | 63.7811% | 2,751 |
| Net loans and leases to deposits | 66.5407% | 3,981 |
| Net loans and leases to core deposits | 72.5288% | 3,758 |
| Total domestic deposits to total assets | 95.8527% | 27 |
| Equity capital to assets | 2.9875% | 6,981 |
| Core capital (leverage) ratio | 2.8845% | 6,973 |
| Tier 1 risk-based capital ratio | 5.6876% | 6,938 |
| Total risk-based capital ratio | 6.9966% | 6,939 |
| Memoranda: | ||
| Average total assets | $59,747,000 | 5,910 |
| Average earning assets | $39,774,500 | 6,343 |
| Average equity | $1,849,500 | 6,904 |
| Average total loans | $40,349,500 | 5,448 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7508% | 395 |
| Cost of funding earning assets | 1.3157% | 353 |
| Net interest margin | 4.4350% | 1,075 |
| Noninterest income to average assets | 0.3767% | 4,776 |
| Noninterest expense to average assets | 3.9461% | 1,045 |
| Loan and lease loss provision to assets | 1.0103% | 404 |
| Net operating income to assets | -1.3107% | 6,824 |
| Return on assets (ROA) | -1.3091% | 6,831 |
| Pretax return on assets | -1.3091% | 6,803 |
| Return on Equity (ROE) | -33.8567% | 6,974 |
| Retained earnings to average equity (ytd only) | -33.8567% | 6,959 |
| Net charge-offs to loans | 3.6738% | 92 |
| Credit loss provision to net charge-offs | 37.0645% | 4,987 |
| Earnings coverage of net charge-offs (x) | -0.1102% | 5,543 |
| Efficiency ratio | 108.2408% | 360 |
| Assets per employee ($millions) | 3.0475% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4833% | 193 |
| Loan loss allowance to noncurrent loans | 29.9453% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 10.6514% | 195 |
| Noncurrent loans to loans | 14.9716% | 78 |
| Net loans and leases to total assets | 65.0861% | 2,700 |
| Net loans and leases to deposits | 68.0259% | 3,976 |
| Net loans and leases to core deposits | 74.5929% | 3,707 |
| Total domestic deposits to total assets | 95.6784% | 32 |
| Equity capital to assets | 3.1993% | 7,034 |
| Core capital (leverage) ratio | 3.0426% | 7,030 |
| Tier 1 risk-based capital ratio | 6.0349% | 6,991 |
| Total risk-based capital ratio | 7.3429% | 6,989 |
| Memoranda: | ||
| Average total assets | $64,240,600 | 5,808 |
| Average earning assets | $47,350,200 | 6,141 |
| Average equity | $2,484,000 | 6,881 |
| Average total loans | $47,662,400 | 5,193 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6557% | 506 |
| Cost of funding earning assets | 1.3295% | 390 |
| Net interest margin | 4.3263% | 1,402 |
| Noninterest income to average assets | 0.3791% | 4,788 |
| Noninterest expense to average assets | 3.8403% | 1,142 |
| Loan and lease loss provision to assets | 0.1189% | 4,063 |
| Net operating income to assets | -0.3258% | 6,591 |
| Return on assets (ROA) | -0.3238% | 6,645 |
| Pretax return on assets | -0.3238% | 6,613 |
| Return on Equity (ROE) | -8.0481% | 6,815 |
| Retained earnings to average equity (ytd only) | -8.0481% | 6,752 |
| Net charge-offs to loans | 2.2983% | 287 |
| Credit loss provision to net charge-offs | 6.8396% | 5,111 |
| Earnings coverage of net charge-offs (x) | -0.1191% | 5,388 |
| Efficiency ratio | 105.6966% | 389 |
| Assets per employee ($millions) | 3.1776% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6984% | 181 |
| Loan loss allowance to noncurrent loans | 28.0770% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 12.4845% | 146 |
| Noncurrent loans to loans | 16.7340% | 74 |
| Net loans and leases to total assets | 69.3884% | 2,041 |
| Net loans and leases to deposits | 73.1403% | 3,426 |
| Net loans and leases to core deposits | 79.8049% | 3,232 |
| Total domestic deposits to total assets | 94.8703% | 42 |
| Equity capital to assets | 4.1416% | 7,096 |
| Core capital (leverage) ratio | 4.0044% | 7,095 |
| Tier 1 risk-based capital ratio | 7.1898% | 7,038 |
| Total risk-based capital ratio | 8.4975% | 7,036 |
| Memoranda: | ||
| Average total assets | $65,063,250 | 5,848 |
| Average earning assets | $48,940,250 | 6,165 |
| Average equity | $2,617,500 | 6,948 |
| Average total loans | $49,195,000 | 5,197 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6325% | 548 |
| Cost of funding earning assets | 1.3472% | 431 |
| Net interest margin | 4.2853% | 1,512 |
| Noninterest income to average assets | 0.3874% | 4,746 |
| Noninterest expense to average assets | 3.4712% | 1,855 |
| Loan and lease loss provision to assets | 0.1769% | 3,329 |
| Net operating income to assets | 0.0092% | 6,310 |
| Return on assets (ROA) | 0.0092% | 6,445 |
| Pretax return on assets | 0.0092% | 6,434 |
| Return on Equity (ROE) | 0.2297% | 6,431 |
| Retained earnings to average equity (ytd only) | 0.2297% | 5,967 |
| Net charge-offs to loans | 3.3805% | 158 |
| Credit loss provision to net charge-offs | 6.8396% | 4,768 |
| Earnings coverage of net charge-offs (x) | 0.0719% | 5,045 |
| Efficiency ratio | 94.9124% | 760 |
| Assets per employee ($millions) | 3.3071% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4996% | 234 |
| Loan loss allowance to noncurrent loans | 29.2637% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 11.5207% | 195 |
| Noncurrent loans to loans | 15.3762% | 93 |
| Net loans and leases to total assets | 69.7605% | 1,963 |
| Net loans and leases to deposits | 73.6101% | 3,358 |
| Net loans and leases to core deposits | 81.1727% | 3,062 |
| Total domestic deposits to total assets | 94.7703% | 60 |
| Equity capital to assets | 4.2258% | 7,130 |
| Core capital (leverage) ratio | 4.2178% | 7,117 |
| Tier 1 risk-based capital ratio | 7.2374% | 7,082 |
| Total risk-based capital ratio | 8.5421% | 7,078 |
| Memoranda: | ||
| Average total assets | $65,567,330 | 5,858 |
| Average earning assets | $50,031,330 | 6,157 |
| Average equity | $2,612,670 | 6,988 |
| Average total loans | $50,169,670 | 5,192 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5479% | 698 |
| Cost of funding earning assets | 1.3518% | 511 |
| Net interest margin | 4.1961% | 1,767 |
| Noninterest income to average assets | 0.3431% | 5,112 |
| Noninterest expense to average assets | 3.6275% | 1,502 |
| Loan and lease loss provision to assets | 0.1103% | 3,973 |
| Net operating income to assets | -0.1042% | 6,545 |
| Return on assets (ROA) | -0.1042% | 6,624 |
| Pretax return on assets | -0.1042% | 6,604 |
| Return on Equity (ROE) | -2.6968% | 6,738 |
| Retained earnings to average equity (ytd only) | -2.6968% | 6,364 |
| Net charge-offs to loans | 5.5189% | 78 |
| Credit loss provision to net charge-offs | 2.5532% | 3,975 |
| Earnings coverage of net charge-offs (x) | 0.0014% | 4,370 |
| Efficiency ratio | 99.8314% | 558 |
| Assets per employee ($millions) | 3.2256% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5681% | 239 |
| Loan loss allowance to noncurrent loans | 28.6848% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 12.6010% | 181 |
| Noncurrent loans to loans | 15.9250% | 107 |
| Net loans and leases to total assets | 73.7378% | 1,107 |
| Net loans and leases to deposits | 77.7271% | 2,563 |
| Net loans and leases to core deposits | 85.9034% | 2,304 |
| Total domestic deposits to total assets | 94.8675% | 62 |
| Equity capital to assets | 4.1295% | 7,177 |
| Core capital (leverage) ratio | 4.0622% | 7,172 |
| Tier 1 risk-based capital ratio | 6.7463% | 7,147 |
| Total risk-based capital ratio | 8.0537% | 7,146 |
| Memoranda: | ||
| Average total assets | $65,280,000 | 5,908 |
| Average earning assets | $51,191,000 | 6,149 |
| Average equity | $2,521,500 | 7,059 |
| Average total loans | $51,097,000 | 5,183 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1151% | 2,389 |
| Cost of funding earning assets | 1.4292% | 923 |
| Net interest margin | 3.6859% | 4,363 |
| Noninterest income to average assets | 0.1740% | 6,245 |
| Noninterest expense to average assets | 3.7999% | 1,350 |
| Loan and lease loss provision to assets | 1.3726% | 575 |
| Net operating income to assets | -1.6172% | 6,936 |
| Return on assets (ROA) | -1.6232% | 6,954 |
| Pretax return on assets | -1.6232% | 6,923 |
| Return on Equity (ROE) | -33.9653% | 7,121 |
| Retained earnings to average equity (ytd only) | -33.9653% | 7,115 |
| Net charge-offs to loans | 0.9171% | 1,893 |
| Credit loss provision to net charge-offs | 182.2709% | 1,417 |
| Earnings coverage of net charge-offs (x) | -0.3247% | 6,018 |
| Efficiency ratio | 106.8776% | 501 |
| Assets per employee ($millions) | 3.0022% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6621% | 113 |
| Loan loss allowance to noncurrent loans | 32.0294% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 14.0608% | 152 |
| Noncurrent loans to loans | 17.6778% | 77 |
| Net loans and leases to total assets | 74.7687% | 1,132 |
| Net loans and leases to deposits | 78.4832% | 2,761 |
| Net loans and leases to core deposits | 86.8565% | 2,520 |
| Total domestic deposits to total assets | 95.2672% | 54 |
| Equity capital to assets | 3.6019% | 7,244 |
| Core capital (leverage) ratio | 3.5926% | 7,232 |
| Tier 1 risk-based capital ratio | 5.8104% | 7,211 |
| Total risk-based capital ratio | 7.1349% | 7,206 |
| Memoranda: | ||
| Average total assets | $66,660,400 | 5,852 |
| Average earning assets | $61,152,400 | 5,830 |
| Average equity | $3,185,600 | 6,969 |
| Average total loans | $54,740,600 | 5,082 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 3,027 |
| Cost of funding earning assets | 1.4504% | 1,027 |
| Net interest margin | 3.5616% | 4,934 |
| Noninterest income to average assets | 0.3492% | 5,062 |
| Noninterest expense to average assets | 3.8215% | 1,276 |
| Loan and lease loss provision to assets | 0.2135% | 3,886 |
| Net operating income to assets | -0.3193% | 6,517 |
| Return on assets (ROA) | -0.3313% | 6,583 |
| Pretax return on assets | -0.3313% | 6,520 |
| Return on Equity (ROE) | -6.5342% | 6,743 |
| Retained earnings to average equity (ytd only) | -6.5342% | 6,672 |
| Net charge-offs to loans | 0.1421% | 4,646 |
| Credit loss provision to net charge-offs | 181.3559% | 1,633 |
| Earnings coverage of net charge-offs (x) | -0.8983% | 5,919 |
| Efficiency ratio | 102.8464% | 583 |
| Assets per employee ($millions) | 2.9801% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8549% | 207 |
| Loan loss allowance to noncurrent loans | 26.3644% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 15.5652% | 119 |
| Noncurrent loans to loans | 18.4145% | 73 |
| Net loans and leases to total assets | 77.6886% | 744 |
| Net loans and leases to deposits | 82.0831% | 2,339 |
| Net loans and leases to core deposits | 91.3845% | 2,070 |
| Total domestic deposits to total assets | 94.6464% | 62 |
| Equity capital to assets | 5.0242% | 7,263 |
| Core capital (leverage) ratio | 4.9010% | 7,247 |
| Tier 1 risk-based capital ratio | 7.7859% | 7,203 |
| Total risk-based capital ratio | 9.0978% | 7,204 |
| Memoranda: | ||
| Average total assets | $66,813,250 | 5,884 |
| Average earning assets | $63,153,750 | 5,802 |
| Average equity | $3,387,250 | 6,972 |
| Average total loans | $55,338,750 | 5,102 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 2,484 |
| Cost of funding earning assets | 1.5149% | 956 |
| Net interest margin | 3.6307% | 4,598 |
| Noninterest income to average assets | 0.3391% | 5,171 |
| Noninterest expense to average assets | 3.6442% | 1,638 |
| Loan and lease loss provision to assets | 0.3183% | 2,881 |
| Net operating income to assets | -0.2082% | 6,479 |
| Return on assets (ROA) | -0.2261% | 6,533 |
| Pretax return on assets | -0.2261% | 6,478 |
| Return on Equity (ROE) | -4.4466% | 6,677 |
| Retained earnings to average equity (ytd only) | -4.4466% | 6,519 |
| Net charge-offs to loans | 0.2109% | 3,883 |
| Credit loss provision to net charge-offs | 181.3559% | 1,662 |
| Earnings coverage of net charge-offs (x) | 0.6271% | 4,830 |
| Efficiency ratio | 97.0681% | 831 |
| Assets per employee ($millions) | 3.0593% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7834% | 222 |
| Loan loss allowance to noncurrent loans | 28.1277% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 14.2456% | 169 |
| Noncurrent loans to loans | 17.0059% | 98 |
| Net loans and leases to total assets | 76.8665% | 935 |
| Net loans and leases to deposits | 81.0995% | 2,598 |
| Net loans and leases to core deposits | 90.8317% | 2,276 |
| Total domestic deposits to total assets | 94.7805% | 57 |
| Equity capital to assets | 4.9833% | 7,324 |
| Core capital (leverage) ratio | 4.9650% | 7,302 |
| Tier 1 risk-based capital ratio | 7.7272% | 7,263 |
| Total risk-based capital ratio | 9.0358% | 7,264 |
| Memoranda: | ||
| Average total assets | $67,230,000 | 5,913 |
| Average earning assets | $63,239,330 | 5,849 |
| Average equity | $3,418,330 | 7,008 |
| Average total loans | $55,940,330 | 5,126 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3553% | 1,709 |
| Cost of funding earning assets | 1.5788% | 882 |
| Net interest margin | 3.7765% | 3,728 |
| Noninterest income to average assets | 0.3572% | 5,045 |
| Noninterest expense to average assets | 3.3635% | 2,372 |
| Loan and lease loss provision to assets | 0.2381% | 3,285 |
| Net operating income to assets | 0.3155% | 5,331 |
| Return on assets (ROA) | 0.2738% | 5,586 |
| Pretax return on assets | 0.2738% | 5,732 |
| Return on Equity (ROE) | 5.3326% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.3326% | 2,983 |
| Net charge-offs to loans | 0.4159% | 2,439 |
| Credit loss provision to net charge-offs | 67.7966% | 3,387 |
| Earnings coverage of net charge-offs (x) | 1.5763% | 3,531 |
| Efficiency ratio | 85.8663% | 1,728 |
| Assets per employee ($millions) | 3.1737% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5386% | 278 |
| Loan loss allowance to noncurrent loans | 29.0334% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 13.1349% | 206 |
| Noncurrent loans to loans | 15.6324% | 135 |
| Net loans and leases to total assets | 79.9076% | 516 |
| Net loans and leases to deposits | 84.6126% | 1,938 |
| Net loans and leases to core deposits | 93.1261% | 1,995 |
| Total domestic deposits to total assets | 94.4394% | 63 |
| Equity capital to assets | 5.2140% | 7,358 |
| Core capital (leverage) ratio | 5.1232% | 7,349 |
| Tier 1 risk-based capital ratio | 7.7978% | 7,310 |
| Total risk-based capital ratio | 9.1034% | 7,311 |
| Memoranda: | ||
| Average total assets | $67,192,500 | 5,962 |
| Average earning assets | $63,339,500 | 5,884 |
| Average equity | $3,450,500 | 7,027 |
| Average total loans | $56,743,500 | 5,145 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5855% | 1,956 |
| Cost of funding earning assets | 1.9625% | 691 |
| Net interest margin | 3.6229% | 4,712 |
| Noninterest income to average assets | 0.3676% | 5,165 |
| Noninterest expense to average assets | 3.6407% | 1,820 |
| Loan and lease loss provision to assets | 2.1013% | 611 |
| Net operating income to assets | -1.9971% | 7,056 |
| Return on assets (ROA) | -1.9971% | 7,067 |
| Pretax return on assets | -1.9971% | 7,031 |
| Return on Equity (ROE) | -32.1863% | 7,261 |
| Retained earnings to average equity (ytd only) | -32.1863% | 7,250 |
| Net charge-offs to loans | 0.9311% | 2,321 |
| Credit loss provision to net charge-offs | 278.3582% | 976 |
| Earnings coverage of net charge-offs (x) | 0.1381% | 5,981 |
| Efficiency ratio | 97.2170% | 905 |
| Assets per employee ($millions) | 3.2256% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4212% | 286 |
| Loan loss allowance to noncurrent loans | 28.6372% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 13.1994% | 220 |
| Noncurrent loans to loans | 15.4387% | 147 |
| Net loans and leases to total assets | 81.4137% | 499 |
| Net loans and leases to deposits | 86.1809% | 2,061 |
| Net loans and leases to core deposits | 93.7780% | 2,284 |
| Total domestic deposits to total assets | 94.4684% | 73 |
| Equity capital to assets | 5.0577% | 7,428 |
| Core capital (leverage) ratio | 4.8840% | 7,428 |
| Tier 1 risk-based capital ratio | 6.5809% | 7,454 |
| Total risk-based capital ratio | 7.8767% | 7,455 |
| Memoranda: | ||
| Average total assets | $71,003,200 | 5,856 |
| Average earning assets | $66,189,600 | 5,792 |
| Average equity | $4,405,600 | 6,852 |
| Average total loans | $57,567,600 | 5,179 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5904% | 2,098 |
| Cost of funding earning assets | 2.0479% | 643 |
| Net interest margin | 3.5425% | 5,131 |
| Noninterest income to average assets | 0.3713% | 5,185 |
| Noninterest expense to average assets | 3.5440% | 1,925 |
| Loan and lease loss provision to assets | 0.7407% | 2,063 |
| Net operating income to assets | -0.6219% | 6,681 |
| Return on assets (ROA) | -0.6219% | 6,725 |
| Pretax return on assets | -0.6219% | 6,631 |
| Return on Equity (ROE) | -9.6046% | 6,912 |
| Retained earnings to average equity (ytd only) | -9.6046% | 6,858 |
| Net charge-offs to loans | 0.6952% | 2,677 |
| Credit loss provision to net charge-offs | 133.0000% | 3,039 |
| Earnings coverage of net charge-offs (x) | 0.2133% | 5,799 |
| Efficiency ratio | 96.7562% | 876 |
| Assets per employee ($millions) | 3.0951% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9093% | 895 |
| Loan loss allowance to noncurrent loans | 18.7100% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 12.7650% | 235 |
| Noncurrent loans to loans | 15.5492% | 151 |
| Net loans and leases to total assets | 79.4162% | 836 |
| Net loans and leases to deposits | 85.2610% | 2,476 |
| Net loans and leases to core deposits | 92.5104% | 2,726 |
| Total domestic deposits to total assets | 93.1448% | 96 |
| Equity capital to assets | 6.3495% | 7,443 |
| Core capital (leverage) ratio | 6.3662% | 7,369 |
| Tier 1 risk-based capital ratio | 8.5724% | 7,427 |
| Total risk-based capital ratio | 9.8465% | 7,435 |
| Memoranda: | ||
| Average total assets | $71,819,500 | 5,891 |
| Average earning assets | $66,731,750 | 5,842 |
| Average equity | $4,650,500 | 6,858 |
| Average total loans | $57,534,750 | 5,251 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5827% | 2,202 |
| Cost of funding earning assets | 2.1417% | 570 |
| Net interest margin | 3.4410% | 5,478 |
| Noninterest income to average assets | 0.3637% | 5,227 |
| Noninterest expense to average assets | 3.4374% | 2,172 |
| Loan and lease loss provision to assets | 0.6775% | 2,131 |
| Net operating income to assets | -0.5525% | 6,699 |
| Return on assets (ROA) | -0.5525% | 6,730 |
| Pretax return on assets | -0.5525% | 6,626 |
| Return on Equity (ROE) | -8.4789% | 6,914 |
| Retained earnings to average equity (ytd only) | -8.4789% | 6,842 |
| Net charge-offs to loans | 1.0331% | 1,809 |
| Credit loss provision to net charge-offs | 82.4324% | 4,643 |
| Earnings coverage of net charge-offs (x) | 0.1520% | 5,569 |
| Efficiency ratio | 96.4926% | 946 |
| Assets per employee ($millions) | 3.2120% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6800% | 1,111 |
| Loan loss allowance to noncurrent loans | 21.0247% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 10.4326% | 369 |
| Noncurrent loans to loans | 12.7471% | 243 |
| Net loans and leases to total assets | 79.2933% | 902 |
| Net loans and leases to deposits | 85.2416% | 2,649 |
| Net loans and leases to core deposits | 92.8711% | 2,864 |
| Total domestic deposits to total assets | 93.0218% | 113 |
| Equity capital to assets | 6.5834% | 7,459 |
| Core capital (leverage) ratio | 6.5371% | 7,373 |
| Tier 1 risk-based capital ratio | 8.7031% | 7,461 |
| Total risk-based capital ratio | 9.9737% | 7,472 |
| Memoranda: | ||
| Average total assets | $72,030,330 | 5,919 |
| Average earning assets | $66,957,330 | 5,864 |
| Average equity | $4,694,000 | 6,878 |
| Average total loans | $57,303,670 | 5,296 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5461% | 2,379 |
| Cost of funding earning assets | 2.2792% | 457 |
| Net interest margin | 3.2670% | 6,077 |
| Noninterest income to average assets | 0.3466% | 5,366 |
| Noninterest expense to average assets | 3.4546% | 2,093 |
| Loan and lease loss provision to assets | 1.3312% | 900 |
| Net operating income to assets | -1.4193% | 7,301 |
| Return on assets (ROA) | -1.4193% | 7,312 |
| Pretax return on assets | -1.4193% | 7,230 |
| Return on Equity (ROE) | -21.8876% | 7,466 |
| Retained earnings to average equity (ytd only) | -21.8876% | 7,413 |
| Net charge-offs to loans | 2.0641% | 829 |
| Credit loss provision to net charge-offs | 82.0339% | 3,825 |
| Earnings coverage of net charge-offs (x) | -0.0542% | 5,065 |
| Efficiency ratio | 102.6144% | 767 |
| Assets per employee ($millions) | 3.2741% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7153% | 1,073 |
| Loan loss allowance to noncurrent loans | 21.1059% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 10.1888% | 386 |
| Noncurrent loans to loans | 12.8649% | 255 |
| Net loans and leases to total assets | 76.7014% | 1,392 |
| Net loans and leases to deposits | 82.2473% | 3,244 |
| Net loans and leases to core deposits | 90.6939% | 3,270 |
| Total domestic deposits to total assets | 93.2570% | 109 |
| Equity capital to assets | 6.3807% | 7,557 |
| Core capital (leverage) ratio | 6.3061% | 7,528 |
| Tier 1 risk-based capital ratio | 8.7637% | 7,524 |
| Total risk-based capital ratio | 9.9374% | 7,556 |
| Memoranda: | ||
| Average total assets | $72,714,000 | 5,974 |
| Average earning assets | $67,218,000 | 5,925 |
| Average equity | $4,715,000 | 6,938 |
| Average total loans | $57,168,500 | 5,375 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6209% | 3,495 |
| Cost of funding earning assets | 2.9054% | 303 |
| Net interest margin | 2.7154% | 7,195 |
| Noninterest income to average assets | 0.0633% | 7,436 |
| Noninterest expense to average assets | 3.8505% | 1,600 |
| Loan and lease loss provision to assets | 1.5618% | 1,471 |
| Net operating income to assets | -1.8296% | 7,022 |
| Return on assets (ROA) | -1.8296% | 7,017 |
| Pretax return on assets | -2.8044% | 7,239 |
| Return on Equity (ROE) | -28.4595% | 7,376 |
| Retained earnings to average equity (ytd only) | -28.4595% | 7,357 |
| Net charge-offs to loans | 0.5363% | 3,639 |
| Credit loss provision to net charge-offs | 388.1967% | 818 |
| Earnings coverage of net charge-offs (x) | -3.0885% | 7,056 |
| Efficiency ratio | 147.6480% | 333 |
| Assets per employee ($millions) | 3.3363% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7716% | 955 |
| Loan loss allowance to noncurrent loans | 23.2575% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 9.3885% | 425 |
| Noncurrent loans to loans | 11.9172% | 285 |
| Net loans and leases to total assets | 76.2310% | 1,741 |
| Net loans and leases to deposits | 81.8946% | 3,638 |
| Net loans and leases to core deposits | 134.8533% | 1,010 |
| Total domestic deposits to total assets | 93.0843% | 115 |
| Equity capital to assets | 6.5860% | 7,545 |
| Core capital (leverage) ratio | 6.3313% | 7,545 |
| Tier 1 risk-based capital ratio | 8.9693% | 7,480 |
| Total risk-based capital ratio | 10.2398% | 7,492 |
| Memoranda: | ||
| Average total assets | $75,808,800 | 5,842 |
| Average earning assets | $71,039,000 | 5,779 |
| Average equity | $4,873,600 | 6,996 |
| Average total loans | $56,866,800 | 5,387 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6902% | 3,391 |
| Cost of funding earning assets | 3.0028% | 331 |
| Net interest margin | 2.6874% | 7,234 |
| Noninterest income to average assets | -0.0454% | 7,893 |
| Noninterest expense to average assets | 3.5701% | 2,095 |
| Loan and lease loss provision to assets | 0.5653% | 3,124 |
| Net operating income to assets | -0.5374% | 6,468 |
| Return on assets (ROA) | -0.5374% | 6,464 |
| Pretax return on assets | -1.6681% | 7,034 |
| Return on Equity (ROE) | -8.4091% | 6,764 |
| Retained earnings to average equity (ytd only) | -8.4091% | 6,650 |
| Net charge-offs to loans | 0.5079% | 3,189 |
| Credit loss provision to net charge-offs | 150.0000% | 3,196 |
| Earnings coverage of net charge-offs (x) | -2.9260% | 6,801 |
| Efficiency ratio | 144.6959% | 342 |
| Assets per employee ($millions) | 3.5973% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 3,993 |
| Loan loss allowance to noncurrent loans | 12.2128% | 7,403 |
| Noncurrent assets plus other real estate owned to assets | 9.0939% | 422 |
| Noncurrent loans to loans | 11.4031% | 306 |
| Net loans and leases to total assets | 73.7216% | 2,618 |
| Net loans and leases to deposits | 80.0988% | 4,365 |
| Net loans and leases to core deposits | 132.3654% | 1,314 |
| Total domestic deposits to total assets | 92.0383% | 170 |
| Equity capital to assets | 7.3944% | 7,377 |
| Core capital (leverage) ratio | 7.4587% | 7,025 |
| Tier 1 risk-based capital ratio | 10.1879% | 6,791 |
| Total risk-based capital ratio | 11.4404% | 6,727 |
| Memoranda: | ||
| Average total assets | $76,411,500 | 5,866 |
| Average earning assets | $71,442,500 | 5,804 |
| Average equity | $4,883,500 | 7,049 |
| Average total loans | $56,696,750 | 5,438 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7389% | 3,351 |
| Cost of funding earning assets | 3.0779% | 377 |
| Net interest margin | 2.6609% | 7,283 |
| Noninterest income to average assets | 0.3444% | 5,751 |
| Noninterest expense to average assets | 3.8622% | 1,553 |
| Loan and lease loss provision to assets | 0.8477% | 1,977 |
| Net operating income to assets | -0.1642% | 6,126 |
| Return on assets (ROA) | -0.1642% | 6,149 |
| Pretax return on assets | -1.8808% | 7,242 |
| Return on Equity (ROE) | -2.7189% | 6,329 |
| Retained earnings to average equity (ytd only) | -2.7189% | 5,915 |
| Net charge-offs to loans | 0.2899% | 3,743 |
| Credit loss provision to net charge-offs | 395.0617% | 1,179 |
| Earnings coverage of net charge-offs (x) | -4.8148% | 6,454 |
| Efficiency ratio | 136.5169% | 466 |
| Assets per employee ($millions) | 3.5602% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 2,385 |
| Loan loss allowance to noncurrent loans | 18.4399% | 7,213 |
| Noncurrent assets plus other real estate owned to assets | 7.6629% | 512 |
| Noncurrent loans to loans | 9.1626% | 424 |
| Net loans and leases to total assets | 70.9454% | 3,475 |
| Net loans and leases to deposits | 78.0088% | 4,870 |
| Net loans and leases to core deposits | 133.1991% | 1,357 |
| Total domestic deposits to total assets | 90.9454% | 469 |
| Equity capital to assets | 7.7447% | 7,033 |
| Core capital (leverage) ratio | 7.8243% | 6,584 |
| Tier 1 risk-based capital ratio | 10.6077% | 6,280 |
| Total risk-based capital ratio | 11.8628% | 6,212 |
| Memoranda: | ||
| Average total assets | $75,501,670 | 5,931 |
| Average earning assets | $70,501,670 | 5,868 |
| Average equity | $4,560,670 | 7,220 |
| Average total loans | $55,873,000 | 5,509 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8625% | 2,975 |
| Cost of funding earning assets | 3.1336% | 415 |
| Net interest margin | 2.7289% | 7,141 |
| Noninterest income to average assets | 0.4481% | 4,790 |
| Noninterest expense to average assets | 4.0653% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.0690% | 7,297 |
| Return on assets (ROA) | -1.0690% | 7,306 |
| Pretax return on assets | -1.0690% | 7,185 |
| Return on Equity (ROE) | -20.7983% | 7,771 |
| Retained earnings to average equity (ytd only) | -20.7983% | 7,668 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.6757% | 451 |
| Assets per employee ($millions) | 3.0795% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 4,224 |
| Loan loss allowance to noncurrent loans | 12.9851% | 7,460 |
| Noncurrent assets plus other real estate owned to assets | 8.2845% | 337 |
| Noncurrent loans to loans | 9.8305% | 304 |
| Net loans and leases to total assets | 71.9277% | 3,251 |
| Net loans and leases to deposits | 77.5549% | 5,000 |
| Net loans and leases to core deposits | 133.7302% | 1,427 |
| Total domestic deposits to total assets | 92.7442% | 103 |
| Equity capital to assets | 6.1699% | 7,965 |
| Core capital (leverage) ratio | 6.4610% | 7,895 |
| Tier 1 risk-based capital ratio | 8.1490% | 7,994 |
| Total risk-based capital ratio | 9.3633% | 8,028 |
| Memoranda: | ||
| Average total assets | $74,090,000 | 6,001 |
| Average earning assets | $69,186,000 | 5,942 |
| Average equity | $3,808,000 | 7,517 |
| Average total loans | $55,548,000 | 5,559 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1129% | 4,973 |
| Cost of funding earning assets | 3.2451% | 1,052 |
| Net interest margin | 2.8678% | 7,217 |
| Noninterest income to average assets | 0.5655% | 4,106 |
| Noninterest expense to average assets | 4.1138% | 1,253 |
| Loan and lease loss provision to assets | 5.0504% | 105 |
| Net operating income to assets | -5.9306% | 8,148 |
| Return on assets (ROA) | -5.9356% | 8,142 |
| Pretax return on assets | -5.9356% | 8,099 |
| Return on Equity (ROE) | -93.3544% | 8,268 |
| Retained earnings to average equity (ytd only) | -93.3544% | 8,264 |
| Net charge-offs to loans | 6.8500% | 42 |
| Credit loss provision to net charge-offs | 102.8338% | 5,187 |
| Earnings coverage of net charge-offs (x) | -0.1792% | 6,364 |
| Efficiency ratio | 127.2199% | 490 |
| Assets per employee ($millions) | 2.8477% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 3,769 |
| Loan loss allowance to noncurrent loans | 14.4180% | 7,415 |
| Noncurrent assets plus other real estate owned to assets | 8.1890% | 277 |
| Noncurrent loans to loans | 9.0283% | 261 |
| Net loans and leases to total assets | 76.2561% | 2,555 |
| Net loans and leases to deposits | 80.6600% | 4,933 |
| Net loans and leases to core deposits | 140.7435% | 1,226 |
| Total domestic deposits to total assets | 94.5402% | 17 |
| Equity capital to assets | 4.0257% | 8,248 |
| Core capital (leverage) ratio | 3.8038% | 8,264 |
| Tier 1 risk-based capital ratio | 5.0577% | 8,263 |
| Total risk-based capital ratio | 6.3081% | 8,263 |
| Memoranda: | ||
| Average total assets | $79,756,000 | 5,712 |
| Average earning assets | $74,203,400 | 5,654 |
| Average equity | $5,071,000 | 7,116 |
| Average total loans | $57,182,200 | 5,399 |