| 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 | 5.6861% | 945 |
| Cost of funding earning assets | 0.2573% | 4,408 |
| Net interest margin | 5.4288% | 200 |
| Noninterest income to average assets | 1.6700% | 329 |
| Noninterest expense to average assets | 5.0685% | 223 |
| Loan and lease loss provision to assets | 1.9400% | 31 |
| Net operating income to assets | -0.2303% | 4,468 |
| Return on assets (ROA) | -0.2303% | 4,455 |
| Pretax return on assets | -0.2303% | 4,438 |
| Return on Equity (ROE) | -1.7100% | 4,414 |
| Retained earnings to average equity (ytd only) | -1.7071% | 4,246 |
| Net charge-offs to loans | 2.7727% | 30 |
| Credit loss provision to net charge-offs | 93.5852% | 1,918 |
| Earnings coverage of net charge-offs (x) | 0.8247% | 2,793 |
| Efficiency ratio | 74.7985% | 1,368 |
| Assets per employee ($millions) | 7.0998% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6458% | 766 |
| Loan loss allowance to noncurrent loans | 36.9554% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 3.1253% | 66 |
| Noncurrent loans to loans | 4.4535% | 66 |
| Net loans and leases to total assets | 69.0200% | 1,918 |
| Net loans and leases to deposits | 80.7525% | 2,048 |
| Net loans and leases to core deposits | 84.6604% | 2,410 |
| Total domestic deposits to total assets | 85.4700% | 2,169 |
| Equity capital to assets | 13.9629% | 689 |
| Core capital (leverage) ratio | 13.6999% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6543% | 503 |
| Memoranda: |
| Average total assets | $67,751,800 | 4,136 |
| Average earning assets | $63,734,400 | 4,102 |
| Average equity | $9,138,400 | 3,811 |
| Average total loans | $50,601,400 | 3,838 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9721% | 551 |
| Cost of funding earning assets | 0.2173% | 4,430 |
| Net interest margin | 5.7548% | 133 |
| Noninterest income to average assets | 1.5900% | 370 |
| Noninterest expense to average assets | 5.1943% | 218 |
| Loan and lease loss provision to assets | 2.5500% | 21 |
| Net operating income to assets | -0.7567% | 4,553 |
| Return on assets (ROA) | -0.7567% | 4,546 |
| Pretax return on assets | -0.7567% | 4,534 |
| Return on Equity (ROE) | -5.6600% | 4,507 |
| Retained earnings to average equity (ytd only) | -5.6566% | 4,435 |
| Net charge-offs to loans | 3.4356% | 25 |
| Credit loss provision to net charge-offs | 97.9120% | 1,643 |
| Earnings coverage of net charge-offs (x) | 0.6883% | 2,559 |
| Efficiency ratio | 74.3611% | 1,332 |
| Assets per employee ($millions) | 6.5794% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7592% | 613 |
| Loan loss allowance to noncurrent loans | 42.1053% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.8878% | 74 |
| Noncurrent loans to loans | 4.1782% | 71 |
| Net loans and leases to total assets | 67.9000% | 2,051 |
| Net loans and leases to deposits | 78.6223% | 2,184 |
| Net loans and leases to core deposits | 83.0310% | 2,392 |
| Total domestic deposits to total assets | 86.3600% | 2,080 |
| Equity capital to assets | 13.1000% | 791 |
| Core capital (leverage) ratio | 13.2290% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5229% | 656 |
| Memoranda: |
| Average total assets | $68,715,250 | 4,140 |
| Average earning assets | $64,431,250 | 4,113 |
| Average equity | $9,192,500 | 3,802 |
| Average total loans | $52,041,500 | 3,817 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1183% | 1,335 |
| Cost of funding earning assets | 0.1872% | 4,443 |
| Net interest margin | 4.9311% | 339 |
| Noninterest income to average assets | 1.7800% | 273 |
| Noninterest expense to average assets | 5.1170% | 213 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2455% | 1,705 |
| Return on assets (ROA) | 1.2455% | 1,702 |
| Pretax return on assets | 1.2455% | 2,237 |
| Return on Equity (ROE) | 9.2500% | 2,907 |
| Retained earnings to average equity (ytd only) | 9.2501% | 1,614 |
| Net charge-offs to loans | -0.0332% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.0629% | 837 |
| Assets per employee ($millions) | 5.6701% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5859% | 960 |
| Loan loss allowance to noncurrent loans | 36.7066% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 3.3112% | 53 |
| Noncurrent loans to loans | 4.3204% | 75 |
| Net loans and leases to total assets | 75.4300% | 1,112 |
| Net loans and leases to deposits | 88.3489% | 1,313 |
| Net loans and leases to core deposits | 92.7577% | 1,637 |
| Total domestic deposits to total assets | 85.3700% | 2,437 |
| Equity capital to assets | 13.9225% | 660 |
| Core capital (leverage) ratio | 14.0633% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4532% | 764 |
| Memoranda: |
| Average total assets | $69,689,000 | 4,150 |
| Average earning assets | $65,178,333 | 4,130 |
| Average equity | $9,383,667 | 3,809 |
| Average total loans | $54,230,667 | 3,802 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8102% | 1,600 |
| Cost of funding earning assets | 0.1467% | 4,462 |
| Net interest margin | 4.6635% | 471 |
| Noninterest income to average assets | 2.8600% | 176 |
| Noninterest expense to average assets | 4.4361% | 283 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 2.7002% | 205 |
| Return on assets (ROA) | 2.7002% | 202 |
| Pretax return on assets | 2.7002% | 289 |
| Return on Equity (ROE) | 20.3900% | 714 |
| Retained earnings to average equity (ytd only) | 20.3876% | 352 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.6719% | 2,737 |
| Assets per employee ($millions) | 7.0137% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5393% | 1,152 |
| Loan loss allowance to noncurrent loans | 32.9791% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 3.6229% | 30 |
| Noncurrent loans to loans | 4.6674% | 67 |
| Net loans and leases to total assets | 76.4300% | 936 |
| Net loans and leases to deposits | 89.1128% | 1,125 |
| Net loans and leases to core deposits | 93.3981% | 1,430 |
| Total domestic deposits to total assets | 85.7700% | 2,659 |
| Equity capital to assets | 13.6846% | 639 |
| Core capital (leverage) ratio | 13.7513% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3070% | 948 |
| Memoranda: |
| Average total assets | $70,513,000 | 4,194 |
| Average earning assets | $65,444,500 | 4,177 |
| Average equity | $9,339,000 | 3,856 |
| Average total loans | $55,272,000 | 3,830 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2849% | 1,079 |
| Cost of funding earning assets | 0.0788% | 4,475 |
| Net interest margin | 4.2061% | 523 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 4.2529% | 282 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | -0.2752% | 4,617 |
| Return on assets (ROA) | -0.2752% | 4,605 |
| Pretax return on assets | -0.2752% | 4,601 |
| Return on Equity (ROE) | -2.1600% | 4,586 |
| Retained earnings to average equity (ytd only) | -2.1616% | 4,486 |
| Net charge-offs to loans | 0.2827% | 276 |
| Credit loss provision to net charge-offs | 93.0233% | 1,613 |
| Earnings coverage of net charge-offs (x) | -0.3081% | 4,674 |
| Efficiency ratio | 101.6363% | 136 |
| Assets per employee ($millions) | 7.1844% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4759% | 1,273 |
| Loan loss allowance to noncurrent loans | 33.4275% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 3.4477% | 32 |
| Noncurrent loans to loans | 4.4152% | 74 |
| Net loans and leases to total assets | 76.9400% | 907 |
| Net loans and leases to deposits | 89.9598% | 1,056 |
| Net loans and leases to core deposits | 92.6095% | 1,360 |
| Total domestic deposits to total assets | 85.5200% | 2,851 |
| Equity capital to assets | 13.5070% | 627 |
| Core capital (leverage) ratio | 13.7599% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2685% | 941 |
| Memoranda: |
| Average total assets | $77,405,400 | 4,155 |
| Average earning assets | $72,299,800 | 4,130 |
| Average equity | $9,854,000 | 3,886 |
| Average total loans | $60,840,000 | 3,712 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8594% | 1,589 |
| Cost of funding earning assets | 0.0757% | 4,448 |
| Net interest margin | 3.7837% | 974 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 4.0560% | 316 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | -0.4366% | 4,672 |
| Return on assets (ROA) | -0.4366% | 4,659 |
| Pretax return on assets | -0.4366% | 4,651 |
| Return on Equity (ROE) | -3.4800% | 4,642 |
| Retained earnings to average equity (ytd only) | -3.4776% | 4,554 |
| Net charge-offs to loans | 0.3009% | 220 |
| Credit loss provision to net charge-offs | 85.7143% | 1,397 |
| Earnings coverage of net charge-offs (x) | -0.9857% | 4,718 |
| Efficiency ratio | 106.1089% | 114 |
| Assets per employee ($millions) | 7.4114% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4783% | 1,362 |
| Loan loss allowance to noncurrent loans | 30.2583% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 3.6565% | 32 |
| Noncurrent loans to loans | 4.8857% | 60 |
| Net loans and leases to total assets | 73.7400% | 1,120 |
| Net loans and leases to deposits | 86.2364% | 1,158 |
| Net loans and leases to core deposits | 89.7900% | 1,309 |
| Total domestic deposits to total assets | 85.5000% | 3,177 |
| Equity capital to assets | 13.0272% | 674 |
| Core capital (leverage) ratio | 13.1542% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9995% | 989 |
| Memoranda: |
| Average total assets | $78,795,750 | 4,174 |
| Average earning assets | $73,930,250 | 4,141 |
| Average equity | $9,891,500 | 3,931 |
| Average total loans | $62,024,500 | 3,717 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7213% | 1,491 |
| Cost of funding earning assets | 0.0737% | 4,433 |
| Net interest margin | 3.6476% | 998 |
| Noninterest income to average assets | 0.2613% | 3,607 |
| Noninterest expense to average assets | 4.0470% | 273 |
| Loan and lease loss provision to assets | 0.1493% | 638 |
| Net operating income to assets | -0.4853% | 4,681 |
| Return on assets (ROA) | -0.4853% | 4,665 |
| Pretax return on assets | -0.4853% | 4,652 |
| Return on Equity (ROE) | -3.9116% | 4,659 |
| Retained earnings to average equity (ytd only) | -3.9116% | 4,497 |
| Net charge-offs to loans | 0.1620% | 390 |
| Credit loss provision to net charge-offs | 115.3846% | 1,198 |
| Earnings coverage of net charge-offs (x) | -2.5962% | 2,116 |
| Efficiency ratio | 109.0543% | 118 |
| Assets per employee ($millions) | 7.6619% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4091% | 1,720 |
| Loan loss allowance to noncurrent loans | 34.4435% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 3.2133% | 49 |
| Noncurrent loans to loans | 4.0909% | 89 |
| Net loans and leases to total assets | 77.4403% | 604 |
| Net loans and leases to deposits | 90.4758% | 690 |
| Net loans and leases to core deposits | 94.9602% | 868 |
| Total domestic deposits to total assets | 85.5923% | 3,355 |
| Equity capital to assets | 12.7488% | 709 |
| Core capital (leverage) ratio | 12.7581% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3016% | 1,119 |
| Memoranda: |
| Average total assets | $80,356,333 | 4,198 |
| Average earning assets | $75,994,667 | 4,170 |
| Average equity | $9,970,333 | 3,992 |
| Average total loans | $64,210,000 | 3,724 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4461% | 355 |
| Cost of funding earning assets | 0.0720% | 4,430 |
| Net interest margin | 4.3741% | 208 |
| Noninterest income to average assets | 0.2481% | 3,662 |
| Noninterest expense to average assets | 3.8285% | 313 |
| Loan and lease loss provision to assets | 0.2919% | 212 |
| Net operating income to assets | 0.2676% | 4,204 |
| Return on assets (ROA) | 0.2676% | 4,173 |
| Pretax return on assets | 0.2676% | 4,235 |
| Return on Equity (ROE) | 2.1694% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.1694% | 3,500 |
| Net charge-offs to loans | 0.0966% | 536 |
| Credit loss provision to net charge-offs | 375.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 7.1875% | 1,545 |
| Efficiency ratio | 87.2506% | 670 |
| Assets per employee ($millions) | 8.8659% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3754% | 2,005 |
| Loan loss allowance to noncurrent loans | 35.4167% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 3.1281% | 61 |
| Noncurrent loans to loans | 3.8835% | 106 |
| Net loans and leases to total assets | 79.4406% | 263 |
| Net loans and leases to deposits | 91.3938% | 458 |
| Net loans and leases to core deposits | 94.9476% | 693 |
| Total domestic deposits to total assets | 86.9212% | 2,957 |
| Equity capital to assets | 12.6440% | 770 |
| Core capital (leverage) ratio | 12.3621% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6055% | 1,365 |
| Memoranda: |
| Average total assets | $82,225,000 | 4,193 |
| Average earning assets | $77,821,000 | 4,165 |
| Average equity | $10,141,000 | 4,037 |
| Average total loans | $66,224,000 | 3,696 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8970% | 4,061 |
| Cost of funding earning assets | 0.0927% | 4,437 |
| Net interest margin | 2.8043% | 3,657 |
| Noninterest income to average assets | 1.2448% | 683 |
| Noninterest expense to average assets | 3.5449% | 449 |
| Loan and lease loss provision to assets | 0.2961% | 277 |
| Net operating income to assets | 0.0743% | 4,641 |
| Return on assets (ROA) | 0.4393% | 4,247 |
| Pretax return on assets | 0.4393% | 4,345 |
| Return on Equity (ROE) | 4.0498% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.0498% | 3,202 |
| Net charge-offs to loans | 0.2602% | 346 |
| Credit loss provision to net charge-offs | 178.5714% | 1,372 |
| Earnings coverage of net charge-offs (x) | 2.2338% | 2,591 |
| Efficiency ratio | 90.5391% | 313 |
| Assets per employee ($millions) | 9.4063% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2321% | 2,725 |
| Loan loss allowance to noncurrent loans | 44.3506% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.2373% | 130 |
| Noncurrent loans to loans | 2.7781% | 229 |
| Net loans and leases to total assets | 79.5398% | 290 |
| Net loans and leases to deposits | 90.5870% | 543 |
| Net loans and leases to core deposits | 93.5521% | 804 |
| Total domestic deposits to total assets | 87.8049% | 2,148 |
| Equity capital to assets | 12.0404% | 1,235 |
| Core capital (leverage) ratio | 11.8551% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9191% | 1,540 |
| Memoranda: |
| Average total assets | $92,864,600 | 4,072 |
| Average earning assets | $88,436,600 | 4,039 |
| Average equity | $10,074,600 | 4,117 |
| Average total loans | $59,181,000 | 3,829 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8255% | 4,269 |
| Cost of funding earning assets | 0.0899% | 4,575 |
| Net interest margin | 2.7357% | 3,906 |
| Noninterest income to average assets | 0.8962% | 1,267 |
| Noninterest expense to average assets | 3.3952% | 538 |
| Loan and lease loss provision to assets | 0.3445% | 208 |
| Net operating income to assets | -0.2346% | 4,804 |
| Return on assets (ROA) | 0.2416% | 4,607 |
| Pretax return on assets | 0.2416% | 4,639 |
| Return on Equity (ROE) | 2.2830% | 4,555 |
| Retained earnings to average equity (ytd only) | 2.2830% | 4,114 |
| Net charge-offs to loans | 0.3630% | 215 |
| Credit loss provision to net charge-offs | 158.0645% | 1,327 |
| Earnings coverage of net charge-offs (x) | 0.5032% | 2,403 |
| Efficiency ratio | 96.8737% | 184 |
| Assets per employee ($millions) | 9.8044% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2128% | 2,934 |
| Loan loss allowance to noncurrent loans | 34.5137% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 3.0315% | 83 |
| Noncurrent loans to loans | 3.5140% | 163 |
| Net loans and leases to total assets | 74.6770% | 637 |
| Net loans and leases to deposits | 84.6305% | 920 |
| Net loans and leases to core deposits | 87.1373% | 1,210 |
| Total domestic deposits to total assets | 88.2389% | 1,699 |
| Equity capital to assets | 11.3203% | 1,794 |
| Core capital (leverage) ratio | 11.1306% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7765% | 1,396 |
| Memoranda: |
| Average total assets | $94,916,500 | 4,097 |
| Average earning assets | $90,506,000 | 4,058 |
| Average equity | $10,045,000 | 4,177 |
| Average total loans | $56,932,250 | 3,927 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8262% | 4,316 |
| Cost of funding earning assets | 0.0926% | 4,619 |
| Net interest margin | 2.7336% | 3,916 |
| Noninterest income to average assets | 0.4777% | 2,723 |
| Noninterest expense to average assets | 3.3930% | 537 |
| Loan and lease loss provision to assets | 0.1235% | 1,016 |
| Net operating income to assets | -0.4262% | 4,862 |
| Return on assets (ROA) | 0.1976% | 4,649 |
| Pretax return on assets | 0.1976% | 4,669 |
| Return on Equity (ROE) | 1.9079% | 4,605 |
| Retained earnings to average equity (ytd only) | 1.9079% | 4,137 |
| Net charge-offs to loans | 0.2646% | 335 |
| Credit loss provision to net charge-offs | 84.5070% | 1,466 |
| Earnings coverage of net charge-offs (x) | -2.0704% | 2,217 |
| Efficiency ratio | 109.7935% | 103 |
| Assets per employee ($millions) | 10.1180% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2138% | 2,852 |
| Loan loss allowance to noncurrent loans | 29.7354% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.9782% | 96 |
| Noncurrent loans to loans | 4.0821% | 132 |
| Net loans and leases to total assets | 63.2756% | 2,034 |
| Net loans and leases to deposits | 71.0998% | 2,289 |
| Net loans and leases to core deposits | 73.3172% | 2,481 |
| Total domestic deposits to total assets | 88.9954% | 1,286 |
| Equity capital to assets | 10.9134% | 2,056 |
| Core capital (leverage) ratio | 10.2882% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2249% | 1,284 |
| Memoranda: |
| Average total assets | $97,142,000 | 4,093 |
| Average earning assets | $92,844,000 | 4,059 |
| Average equity | $10,063,667 | 4,193 |
| Average total loans | $53,675,000 | 4,012 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6018% | 4,570 |
| Cost of funding earning assets | 0.0959% | 4,678 |
| Net interest margin | 2.5059% | 4,289 |
| Noninterest income to average assets | 0.4392% | 2,875 |
| Noninterest expense to average assets | 3.3339% | 572 |
| Loan and lease loss provision to assets | 0.1198% | 1,148 |
| Net operating income to assets | -0.6149% | 4,905 |
| Return on assets (ROA) | 0.0160% | 4,777 |
| Pretax return on assets | 0.0160% | 4,779 |
| Return on Equity (ROE) | 0.1580% | 4,776 |
| Retained earnings to average equity (ytd only) | 0.1580% | 4,350 |
| Net charge-offs to loans | 0.6544% | 120 |
| Credit loss provision to net charge-offs | 35.7143% | 1,366 |
| Earnings coverage of net charge-offs (x) | -1.4762% | 1,904 |
| Efficiency ratio | 117.4402% | 81 |
| Assets per employee ($millions) | 10.0686% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3106% | 2,394 |
| Loan loss allowance to noncurrent loans | 31.2177% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.4413% | 174 |
| Noncurrent loans to loans | 4.1982% | 126 |
| Net loans and leases to total assets | 49.6593% | 3,659 |
| Net loans and leases to deposits | 57.8102% | 3,656 |
| Net loans and leases to core deposits | 62.4703% | 3,542 |
| Total domestic deposits to total assets | 85.9007% | 2,770 |
| Equity capital to assets | 9.9110% | 2,787 |
| Core capital (leverage) ratio | 9.8362% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2086% | 1,041 |
| Memoranda: |
| Average total assets | $100,182,000 | 4,074 |
| Average earning assets | $95,935,000 | 4,024 |
| Average equity | $10,126,500 | 4,199 |
| Average total loans | $51,348,500 | 4,064 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0065% | 4,625 |
| Cost of funding earning assets | 0.2647% | 4,320 |
| Net interest margin | 2.7418% | 4,333 |
| Noninterest income to average assets | 0.7239% | 1,772 |
| Noninterest expense to average assets | 4.0726% | 356 |
| Loan and lease loss provision to assets | 0.2292% | 1,701 |
| Net operating income to assets | -0.9504% | 4,929 |
| Return on assets (ROA) | -0.7529% | 4,906 |
| Pretax return on assets | -0.7529% | 4,903 |
| Return on Equity (ROE) | -7.9021% | 4,925 |
| Retained earnings to average equity (ytd only) | -7.9021% | 4,884 |
| Net charge-offs to loans | 0.2290% | 761 |
| Credit loss provision to net charge-offs | 227.9279% | 2,033 |
| Earnings coverage of net charge-offs (x) | -7.1712% | 3,393 |
| Efficiency ratio | 121.5193% | 76 |
| Assets per employee ($millions) | 7.1199% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3818% | 2,043 |
| Loan loss allowance to noncurrent loans | 38.0826% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 2.2272% | 233 |
| Noncurrent loans to loans | 3.6285% | 181 |
| Net loans and leases to total assets | 51.4798% | 3,704 |
| Net loans and leases to deposits | 60.4021% | 3,725 |
| Net loans and leases to core deposits | 65.4925% | 3,582 |
| Total domestic deposits to total assets | 85.2284% | 2,675 |
| Equity capital to assets | 10.3072% | 2,826 |
| Core capital (leverage) ratio | 9.8292% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0598% | 896 |
| Memoranda: |
| Average total assets | $110,372,000 | 3,876 |
| Average earning assets | $105,771,200 | 3,828 |
| Average equity | $10,516,200 | 4,149 |
| Average total loans | $48,462,200 | 4,139 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0647% | 4,690 |
| Cost of funding earning assets | 0.3040% | 4,298 |
| Net interest margin | 2.7607% | 4,389 |
| Noninterest income to average assets | 0.8162% | 1,432 |
| Noninterest expense to average assets | 4.0065% | 374 |
| Loan and lease loss provision to assets | 0.2981% | 1,352 |
| Net operating income to assets | -0.8433% | 4,933 |
| Return on assets (ROA) | -0.5862% | 4,913 |
| Pretax return on assets | -0.5862% | 4,907 |
| Return on Equity (ROE) | -6.2652% | 4,931 |
| Retained earnings to average equity (ytd only) | -6.2652% | 4,874 |
| Net charge-offs to loans | 0.3335% | 468 |
| Credit loss provision to net charge-offs | 212.6050% | 2,063 |
| Earnings coverage of net charge-offs (x) | -3.8824% | 3,181 |
| Efficiency ratio | 115.7411% | 91 |
| Assets per employee ($millions) | 7.4940% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4067% | 1,710 |
| Loan loss allowance to noncurrent loans | 30.2514% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.5525% | 209 |
| Noncurrent loans to loans | 4.6499% | 124 |
| Net loans and leases to total assets | 47.4322% | 4,244 |
| Net loans and leases to deposits | 56.5931% | 4,231 |
| Net loans and leases to core deposits | 62.0894% | 4,101 |
| Total domestic deposits to total assets | 83.8128% | 2,886 |
| Equity capital to assets | 10.1233% | 3,121 |
| Core capital (leverage) ratio | 9.7880% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2036% | 881 |
| Memoranda: |
| Average total assets | $113,045,500 | 3,833 |
| Average earning assets | $108,326,250 | 3,786 |
| Average equity | $10,576,750 | 4,142 |
| Average total loans | $47,569,500 | 4,172 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1822% | 4,729 |
| Cost of funding earning assets | 0.3690% | 4,178 |
| Net interest margin | 2.8133% | 4,428 |
| Noninterest income to average assets | 0.3628% | 3,312 |
| Noninterest expense to average assets | 4.2065% | 329 |
| Loan and lease loss provision to assets | 0.3248% | 1,318 |
| Net operating income to assets | -1.4684% | 4,998 |
| Return on assets (ROA) | -1.0918% | 4,968 |
| Pretax return on assets | -1.0918% | 4,957 |
| Return on Equity (ROE) | -11.9674% | 4,998 |
| Retained earnings to average equity (ytd only) | -11.9674% | 4,947 |
| Net charge-offs to loans | 0.5622% | 280 |
| Credit loss provision to net charge-offs | 143.5115% | 2,159 |
| Earnings coverage of net charge-offs (x) | -5.0534% | 2,976 |
| Efficiency ratio | 137.3378% | 55 |
| Assets per employee ($millions) | 6.3637% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2930% | 2,039 |
| Loan loss allowance to noncurrent loans | 40.7193% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 474 |
| Noncurrent loans to loans | 3.1755% | 286 |
| Net loans and leases to total assets | 44.7372% | 4,419 |
| Net loans and leases to deposits | 52.6191% | 4,423 |
| Net loans and leases to core deposits | 56.2310% | 4,424 |
| Total domestic deposits to total assets | 85.0208% | 2,392 |
| Equity capital to assets | 9.7834% | 3,386 |
| Core capital (leverage) ratio | 9.5229% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1785% | 885 |
| Memoranda: |
| Average total assets | $115,772,000 | 3,776 |
| Average earning assets | $111,116,667 | 3,723 |
| Average equity | $10,562,000 | 4,158 |
| Average total loans | $46,601,333 | 4,199 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4108% | 4,724 |
| Cost of funding earning assets | 0.5296% | 3,795 |
| Net interest margin | 2.8812% | 4,459 |
| Noninterest income to average assets | 0.2743% | 3,891 |
| Noninterest expense to average assets | 5.0081% | 222 |
| Loan and lease loss provision to assets | 0.4617% | 646 |
| Net operating income to assets | -2.4288% | 5,066 |
| Return on assets (ROA) | -1.8467% | 5,029 |
| Pretax return on assets | -1.8467% | 5,018 |
| Return on Equity (ROE) | -20.9269% | 5,061 |
| Retained earnings to average equity (ytd only) | -20.9269% | 4,978 |
| Net charge-offs to loans | 1.1810% | 126 |
| Credit loss provision to net charge-offs | 102.9851% | 1,796 |
| Earnings coverage of net charge-offs (x) | -4.3881% | 2,517 |
| Efficiency ratio | 164.6865% | 41 |
| Assets per employee ($millions) | 5.1103% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3214% | 2,047 |
| Loan loss allowance to noncurrent loans | 28.2588% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 2.3355% | 315 |
| Noncurrent loans to loans | 4.6761% | 145 |
| Net loans and leases to total assets | 42.4505% | 4,573 |
| Net loans and leases to deposits | 47.5771% | 4,677 |
| Net loans and leases to core deposits | 52.2012% | 4,623 |
| Total domestic deposits to total assets | 89.2247% | 577 |
| Equity capital to assets | 10.3634% | 3,460 |
| Core capital (leverage) ratio | 7.9308% | 4,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0364% | 743 |
| Memoranda: |
| Average total assets | $119,566,500 | 3,707 |
| Average earning assets | $114,812,000 | 3,635 |
| Average equity | $10,551,000 | 4,177 |
| Average total loans | $45,386,000 | 4,239 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5538% | 4,817 |
| Cost of funding earning assets | 0.6453% | 3,437 |
| Net interest margin | 2.9084% | 4,645 |
| Noninterest income to average assets | 0.2060% | 4,427 |
| Noninterest expense to average assets | 4.0614% | 494 |
| Loan and lease loss provision to assets | 0.2742% | 650 |
| Net operating income to assets | -1.3349% | 5,111 |
| Return on assets (ROA) | -1.0600% | 5,105 |
| Pretax return on assets | -1.0600% | 5,100 |
| Return on Equity (ROE) | -12.5936% | 5,137 |
| Retained earnings to average equity (ytd only) | -12.5936% | 5,094 |
| Net charge-offs to loans | 0.5980% | 312 |
| Credit loss provision to net charge-offs | 126.4901% | 2,014 |
| Earnings coverage of net charge-offs (x) | -4.8940% | 3,680 |
| Efficiency ratio | 135.3504% | 59 |
| Assets per employee ($millions) | 5.9718% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2223% | 2,312 |
| Loan loss allowance to noncurrent loans | 31.6310% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3258% | 823 |
| Noncurrent loans to loans | 3.8641% | 192 |
| Net loans and leases to total assets | 33.8913% | 4,901 |
| Net loans and leases to deposits | 36.9210% | 4,960 |
| Net loans and leases to core deposits | 43.4880% | 4,883 |
| Total domestic deposits to total assets | 91.7940% | 50 |
| Equity capital to assets | 7.9614% | 5,063 |
| Core capital (leverage) ratio | 7.9580% | 5,049 |
| Tier 1 risk-based capital ratio | 18.0936% | 1,737 |
| Total risk-based capital ratio | 19.0537% | 1,763 |
| Memoranda: |
| Average total assets | $139,337,000 | 3,447 |
| Average earning assets | $133,886,400 | 3,369 |
| Average equity | $11,728,200 | 4,033 |
| Average total loans | $50,499,600 | 4,169 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7692% | 4,707 |
| Cost of funding earning assets | 0.6467% | 3,465 |
| Net interest margin | 3.1224% | 4,439 |
| Noninterest income to average assets | 0.2463% | 4,264 |
| Noninterest expense to average assets | 3.8758% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.6526% | 5,150 |
| Return on assets (ROA) | -0.2898% | 5,122 |
| Pretax return on assets | -0.2898% | 5,116 |
| Return on Equity (ROE) | -3.1215% | 5,137 |
| Retained earnings to average equity (ytd only) | -3.1215% | 4,994 |
| Net charge-offs to loans | -0.0753% | 4,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2468% | 80 |
| Assets per employee ($millions) | 4.7238% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0861% | 3,102 |
| Loan loss allowance to noncurrent loans | 25.1196% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.5257% | 718 |
| Noncurrent loans to loans | 4.3235% | 145 |
| Net loans and leases to total assets | 34.9043% | 4,970 |
| Net loans and leases to deposits | 38.6590% | 5,025 |
| Net loans and leases to core deposits | 44.3175% | 4,954 |
| Total domestic deposits to total assets | 90.2875% | 214 |
| Equity capital to assets | 9.6942% | 4,295 |
| Core capital (leverage) ratio | 9.4313% | 4,247 |
| Tier 1 risk-based capital ratio | 22.7563% | 975 |
| Total risk-based capital ratio | 23.6714% | 992 |
| Memoranda: |
| Average total assets | $140,766,250 | 3,463 |
| Average earning assets | $134,207,750 | 3,395 |
| Average equity | $13,070,250 | 3,920 |
| Average total loans | $51,343,000 | 4,207 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8682% | 4,607 |
| Cost of funding earning assets | 0.6270% | 3,518 |
| Net interest margin | 3.2412% | 4,267 |
| Noninterest income to average assets | 0.2605% | 4,195 |
| Noninterest expense to average assets | 3.6261% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.2788% | 5,162 |
| Return on assets (ROA) | 0.2000% | 5,006 |
| Pretax return on assets | 0.2000% | 5,026 |
| Return on Equity (ROE) | 2.1846% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.1846% | 4,055 |
| Net charge-offs to loans | -0.0688% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3298% | 107 |
| Assets per employee ($millions) | 5.4026% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0001% | 3,619 |
| Loan loss allowance to noncurrent loans | 60.7565% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 2,274 |
| Noncurrent loans to loans | 1.6460% | 933 |
| Net loans and leases to total assets | 34.8824% | 5,011 |
| Net loans and leases to deposits | 39.8592% | 5,057 |
| Net loans and leases to core deposits | 45.4808% | 4,971 |
| Total domestic deposits to total assets | 87.5142% | 1,335 |
| Equity capital to assets | 9.3940% | 4,508 |
| Core capital (leverage) ratio | 9.6055% | 4,031 |
| Tier 1 risk-based capital ratio | 21.6481% | 1,099 |
| Total risk-based capital ratio | 22.4721% | 1,133 |
| Memoranda: |
| Average total assets | $142,025,330 | 3,465 |
| Average earning assets | $135,256,670 | 3,406 |
| Average equity | $13,000,330 | 3,936 |
| Average total loans | $52,344,000 | 4,208 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0418% | 4,282 |
| Cost of funding earning assets | 0.6005% | 3,570 |
| Net interest margin | 3.4414% | 3,771 |
| Noninterest income to average assets | 0.1770% | 4,687 |
| Noninterest expense to average assets | 3.4974% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0314% | 5,158 |
| Return on assets (ROA) | -0.0314% | 5,162 |
| Pretax return on assets | -0.0314% | 5,155 |
| Return on Equity (ROE) | -0.3479% | 5,164 |
| Retained earnings to average equity (ytd only) | -0.3479% | 4,576 |
| Net charge-offs to loans | -0.0606% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9061% | 158 |
| Assets per employee ($millions) | 4.8375% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9622% | 3,916 |
| Loan loss allowance to noncurrent loans | 33.4216% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 1,286 |
| Noncurrent loans to loans | 2.8789% | 398 |
| Net loans and leases to total assets | 37.0531% | 4,985 |
| Net loans and leases to deposits | 40.9589% | 5,063 |
| Net loans and leases to core deposits | 46.7707% | 4,965 |
| Total domestic deposits to total assets | 90.4639% | 300 |
| Equity capital to assets | 9.5062% | 4,254 |
| Core capital (leverage) ratio | 9.5192% | 4,110 |
| Tier 1 risk-based capital ratio | 17.4350% | 1,960 |
| Total risk-based capital ratio | 18.0944% | 2,108 |
| Memoranda: |
| Average total assets | $140,103,000 | 3,530 |
| Average earning assets | $133,899,500 | 3,457 |
| Average equity | $12,649,000 | 3,988 |
| Average total loans | $52,817,500 | 4,247 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9019% | 4,270 |
| Cost of funding earning assets | 0.4130% | 3,907 |
| Net interest margin | 3.4889% | 3,742 |
| Noninterest income to average assets | -0.3586% | 5,394 |
| Noninterest expense to average assets | 3.3905% | 1,169 |
| Loan and lease loss provision to assets | -0.4135% | 5,376 |
| Net operating income to assets | 0.0088% | 5,229 |
| Return on assets (ROA) | 0.0088% | 5,227 |
| Pretax return on assets | 0.0088% | 5,224 |
| Return on Equity (ROE) | 0.0996% | 5,226 |
| Retained earnings to average equity (ytd only) | 0.0996% | 4,959 |
| Net charge-offs to loans | -0.0585% | 5,021 |
| Credit loss provision to net charge-offs | 1,661.7647% | 258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5539% | 70 |
| Assets per employee ($millions) | 5.3815% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9332% | 4,029 |
| Loan loss allowance to noncurrent loans | 59.3301% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 2,239 |
| Noncurrent loans to loans | 1.5729% | 937 |
| Net loans and leases to total assets | 37.6313% | 5,026 |
| Net loans and leases to deposits | 41.1541% | 5,103 |
| Net loans and leases to core deposits | 46.9391% | 5,005 |
| Total domestic deposits to total assets | 91.4400% | 127 |
| Equity capital to assets | 8.5493% | 4,897 |
| Core capital (leverage) ratio | 9.4254% | 4,200 |
| Tier 1 risk-based capital ratio | 17.6075% | 1,866 |
| Total risk-based capital ratio | 18.2611% | 2,009 |
| Memoranda: |
| Average total assets | $136,647,000 | 3,558 |
| Average earning assets | $130,987,400 | 3,483 |
| Average equity | $12,054,000 | 4,014 |
| Average total loans | $58,140,600 | 4,143 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9001% | 4,212 |
| Cost of funding earning assets | 0.3685% | 4,062 |
| Net interest margin | 3.5316% | 3,589 |
| Noninterest income to average assets | -0.5477% | 5,470 |
| Noninterest expense to average assets | 3.4179% | 1,091 |
| Loan and lease loss provision to assets | -0.5104% | 5,454 |
| Net operating income to assets | -0.0687% | 5,324 |
| Return on assets (ROA) | -0.0687% | 5,321 |
| Pretax return on assets | -0.0687% | 5,315 |
| Return on Equity (ROE) | -0.7728% | 5,328 |
| Retained earnings to average equity (ytd only) | -0.7728% | 5,122 |
| Net charge-offs to loans | -0.0876% | 5,128 |
| Credit loss provision to net charge-offs | 1,333.3333% | 305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.4011% | 55 |
| Assets per employee ($millions) | 5.4665% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9848% | 3,862 |
| Loan loss allowance to noncurrent loans | 40.0735% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 1,527 |
| Noncurrent loans to loans | 2.4574% | 539 |
| Net loans and leases to total assets | 38.5551% | 5,068 |
| Net loans and leases to deposits | 41.9609% | 5,154 |
| Net loans and leases to core deposits | 47.6243% | 5,077 |
| Total domestic deposits to total assets | 91.8834% | 92 |
| Equity capital to assets | 8.0765% | 5,152 |
| Core capital (leverage) ratio | 9.2632% | 4,441 |
| Tier 1 risk-based capital ratio | 17.4919% | 1,935 |
| Total risk-based capital ratio | 18.2098% | 2,070 |
| Memoranda: |
| Average total assets | $135,829,250 | 3,603 |
| Average earning assets | $130,249,000 | 3,524 |
| Average equity | $12,077,000 | 4,047 |
| Average total loans | $59,388,500 | 4,151 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9391% | 3,959 |
| Cost of funding earning assets | 0.3215% | 4,263 |
| Net interest margin | 3.6176% | 3,244 |
| Noninterest income to average assets | -0.9437% | 5,538 |
| Noninterest expense to average assets | 3.5265% | 962 |
| Loan and lease loss provision to assets | -0.0748% | 5,398 |
| Net operating income to assets | -0.9287% | 5,472 |
| Return on assets (ROA) | -0.9287% | 5,466 |
| Pretax return on assets | -0.9287% | 5,466 |
| Return on Equity (ROE) | -10.1170% | 5,474 |
| Retained earnings to average equity (ytd only) | -10.1170% | 5,417 |
| Net charge-offs to loans | -0.0724% | 5,052 |
| Credit loss provision to net charge-offs | 227.2727% | 1,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.7747% | 40 |
| Assets per employee ($millions) | 5.7721% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7451% | 831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 42.3670% | 4,970 |
| Net loans and leases to deposits | 46.3227% | 5,091 |
| Net loans and leases to core deposits | 48.5210% | 5,078 |
| Total domestic deposits to total assets | 91.4605% | 159 |
| Equity capital to assets | 8.4830% | 4,956 |
| Core capital (leverage) ratio | 9.3213% | 4,336 |
| Tier 1 risk-based capital ratio | 17.3578% | 1,981 |
| Total risk-based capital ratio | 18.6096% | 1,935 |
| Memoranda: |
| Average total assets | $133,729,330 | 3,647 |
| Average earning assets | $128,152,670 | 3,585 |
| Average equity | $12,276,330 | 4,039 |
| Average total loans | $60,737,000 | 4,146 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7967% | 4,228 |
| Cost of funding earning assets | 0.3083% | 4,283 |
| Net interest margin | 3.4884% | 3,572 |
| Noninterest income to average assets | 0.3904% | 3,538 |
| Noninterest expense to average assets | 3.6777% | 795 |
| Loan and lease loss provision to assets | -0.1490% | 5,529 |
| Net operating income to assets | 0.1997% | 5,239 |
| Return on assets (ROA) | 0.1997% | 5,237 |
| Pretax return on assets | 0.1997% | 5,262 |
| Return on Equity (ROE) | 2.0965% | 5,166 |
| Retained earnings to average equity (ytd only) | 2.0965% | 4,322 |
| Net charge-offs to loans | -0.0512% | 4,976 |
| Credit loss provision to net charge-offs | 625.0000% | 500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6411% | 197 |
| Assets per employee ($millions) | 6.4444% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5952% | 1,169 |
| Loan loss allowance to noncurrent loans | 43.5648% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.1030% | 520 |
| Noncurrent loans to loans | 3.6616% | 281 |
| Net loans and leases to total assets | 44.8996% | 4,854 |
| Net loans and leases to deposits | 49.4205% | 4,986 |
| Net loans and leases to core deposits | 51.1878% | 5,006 |
| Total domestic deposits to total assets | 90.8522% | 368 |
| Equity capital to assets | 9.0658% | 4,493 |
| Core capital (leverage) ratio | 9.9306% | 3,601 |
| Tier 1 risk-based capital ratio | 18.2820% | 1,748 |
| Total risk-based capital ratio | 19.5329% | 1,714 |
| Memoranda: |
| Average total assets | $134,214,500 | 3,677 |
| Average earning assets | $128,426,000 | 3,613 |
| Average equity | $12,783,500 | 3,997 |
| Average total loans | $62,483,000 | 4,142 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4112% | 4,925 |
| Cost of funding earning assets | 0.2430% | 4,620 |
| Net interest margin | 3.1682% | 4,526 |
| Noninterest income to average assets | 1.0317% | 959 |
| Noninterest expense to average assets | 4.0910% | 475 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0365% | 5,390 |
| Return on assets (ROA) | 0.0093% | 5,345 |
| Pretax return on assets | 0.0093% | 5,430 |
| Return on Equity (ROE) | 0.1020% | 5,345 |
| Retained earnings to average equity (ytd only) | 0.1020% | 4,967 |
| Net charge-offs to loans | 0.0967% | 2,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -0.8958% | 4,041 |
| Efficiency ratio | 100.9005% | 160 |
| Assets per employee ($millions) | 6.3379% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6246% | 1,085 |
| Loan loss allowance to noncurrent loans | 45.8687% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.0699% | 530 |
| Noncurrent loans to loans | 3.5418% | 282 |
| Net loans and leases to total assets | 46.7257% | 4,848 |
| Net loans and leases to deposits | 51.9185% | 4,990 |
| Net loans and leases to core deposits | 53.5682% | 5,015 |
| Total domestic deposits to total assets | 89.9982% | 569 |
| Equity capital to assets | 9.9913% | 3,719 |
| Core capital (leverage) ratio | 10.1206% | 3,285 |
| Tier 1 risk-based capital ratio | 18.5938% | 1,621 |
| Total risk-based capital ratio | 19.8460% | 1,569 |
| Memoranda: |
| Average total assets | $117,771,000 | 3,934 |
| Average earning assets | $112,366,600 | 3,877 |
| Average equity | $10,782,600 | 4,335 |
| Average total loans | $49,631,000 | 4,465 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2529% | 5,168 |
| Cost of funding earning assets | 0.2199% | 4,813 |
| Net interest margin | 3.0330% | 4,846 |
| Noninterest income to average assets | 1.2884% | 642 |
| Noninterest expense to average assets | 4.3109% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1334% | 5,563 |
| Return on assets (ROA) | -0.0690% | 5,545 |
| Pretax return on assets | -0.0690% | 5,533 |
| Return on Equity (ROE) | -0.7747% | 5,551 |
| Retained earnings to average equity (ytd only) | -0.7747% | 5,330 |
| Net charge-offs to loans | 0.1009% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -3.2569% | 3,744 |
| Efficiency ratio | 103.1933% | 145 |
| Assets per employee ($millions) | 7.1638% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8744% | 738 |
| Loan loss allowance to noncurrent loans | 27.6375% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 2.9182% | 314 |
| Noncurrent loans to loans | 6.7823% | 79 |
| Net loans and leases to total assets | 42.2209% | 5,105 |
| Net loans and leases to deposits | 46.3526% | 5,244 |
| Net loans and leases to core deposits | 46.4860% | 5,303 |
| Total domestic deposits to total assets | 91.0863% | 165 |
| Equity capital to assets | 8.8702% | 5,017 |
| Core capital (leverage) ratio | 9.8415% | 3,767 |
| Tier 1 risk-based capital ratio | 17.3419% | 2,051 |
| Total risk-based capital ratio | 18.5965% | 2,000 |
| Memoranda: |
| Average total assets | $113,939,750 | 4,038 |
| Average earning assets | $108,535,750 | 3,985 |
| Average equity | $10,153,750 | 4,469 |
| Average total loans | $46,234,500 | 4,602 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2024% | 5,237 |
| Cost of funding earning assets | 0.2227% | 4,777 |
| Net interest margin | 2.9797% | 4,953 |
| Noninterest income to average assets | 1.7937% | 378 |
| Noninterest expense to average assets | 4.7679% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1487% | 5,599 |
| Return on assets (ROA) | -0.1487% | 5,602 |
| Pretax return on assets | -0.1487% | 5,596 |
| Return on Equity (ROE) | -1.6657% | 5,616 |
| Retained earnings to average equity (ytd only) | -1.6657% | 5,316 |
| Net charge-offs to loans | 0.2549% | 801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -1.4727% | 3,439 |
| Efficiency ratio | 103.2194% | 156 |
| Assets per employee ($millions) | 7.4631% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0830% | 524 |
| Loan loss allowance to noncurrent loans | 26.0215% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 3.4981% | 230 |
| Noncurrent loans to loans | 8.0047% | 47 |
| Net loans and leases to total assets | 42.7899% | 5,106 |
| Net loans and leases to deposits | 47.8112% | 5,221 |
| Net loans and leases to core deposits | 47.9720% | 5,285 |
| Total domestic deposits to total assets | 89.4977% | 726 |
| Equity capital to assets | 10.3585% | 3,501 |
| Core capital (leverage) ratio | 10.0747% | 3,438 |
| Tier 1 risk-based capital ratio | 21.1565% | 1,159 |
| Total risk-based capital ratio | 22.4156% | 1,138 |
| Memoranda: |
| Average total assets | $108,937,000 | 4,144 |
| Average earning assets | $103,298,330 | 4,111 |
| Average equity | $9,725,670 | 4,560 |
| Average total loans | $43,151,670 | 4,710 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9749% | 5,482 |
| Cost of funding earning assets | 0.2215% | 4,789 |
| Net interest margin | 2.7534% | 5,324 |
| Noninterest income to average assets | 3.2228% | 187 |
| Noninterest expense to average assets | 4.7449% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0681% | 1,998 |
| Return on assets (ROA) | 1.0681% | 2,039 |
| Pretax return on assets | 1.0681% | 3,096 |
| Return on Equity (ROE) | 12.9820% | 1,003 |
| Retained earnings to average equity (ytd only) | 12.9820% | 379 |
| Net charge-offs to loans | -0.0497% | 5,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6261% | 1,192 |
| Assets per employee ($millions) | 3.1213% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7087% | 250 |
| Loan loss allowance to noncurrent loans | 27.9503% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 3.5370% | 239 |
| Noncurrent loans to loans | 9.6910% | 36 |
| Net loans and leases to total assets | 35.5092% | 5,422 |
| Net loans and leases to deposits | 38.9697% | 5,506 |
| Net loans and leases to core deposits | 39.1017% | 5,545 |
| Total domestic deposits to total assets | 91.1200% | 269 |
| Equity capital to assets | 8.7674% | 5,028 |
| Core capital (leverage) ratio | 8.5011% | 5,226 |
| Tier 1 risk-based capital ratio | 24.1252% | 855 |
| Total risk-based capital ratio | 25.3936% | 834 |
| Memoranda: |
| Average total assets | $107,484,500 | 4,216 |
| Average earning assets | $101,111,500 | 4,186 |
| Average equity | $8,843,000 | 4,745 |
| Average total loans | $40,267,000 | 4,840 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2448% | 5,243 |
| Cost of funding earning assets | 0.3344% | 3,699 |
| Net interest margin | 2.9103% | 5,122 |
| Noninterest income to average assets | 0.0890% | 5,674 |
| Noninterest expense to average assets | 6.3569% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -3.6469% | 5,901 |
| Return on assets (ROA) | -3.6469% | 5,901 |
| Pretax return on assets | -3.6029% | 5,898 |
| Return on Equity (ROE) | -56.8263% | 5,905 |
| Retained earnings to average equity (ytd only) | -56.8263% | 5,902 |
| Net charge-offs to loans | 1.8318% | 78 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -4.7598% | 4,216 |
| Efficiency ratio | 230.7505% | 10 |
| Assets per employee ($millions) | 2.9368% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6413% | 270 |
| Loan loss allowance to noncurrent loans | 30.2195% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 5.5683% | 99 |
| Noncurrent loans to loans | 8.7403% | 41 |
| Net loans and leases to total assets | 37.4447% | 5,423 |
| Net loans and leases to deposits | 40.7045% | 5,527 |
| Net loans and leases to core deposits | 40.9521% | 5,574 |
| Total domestic deposits to total assets | 91.9914% | 101 |
| Equity capital to assets | 7.6690% | 5,671 |
| Core capital (leverage) ratio | 7.3507% | 5,771 |
| Tier 1 risk-based capital ratio | 16.9481% | 2,174 |
| Total risk-based capital ratio | 18.2117% | 2,122 |
| Memoranda: |
| Average total assets | $104,500,200 | 4,272 |
| Average earning assets | $95,693,000 | 4,276 |
| Average equity | $6,706,400 | 5,150 |
| Average total loans | $43,182,200 | 4,780 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2417% | 5,296 |
| Cost of funding earning assets | 0.3552% | 3,486 |
| Net interest margin | 2.8865% | 5,210 |
| Noninterest income to average assets | -0.0384% | 5,947 |
| Noninterest expense to average assets | 5.7890% | 184 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -2.9918% | 5,963 |
| Return on assets (ROA) | -2.9918% | 5,963 |
| Pretax return on assets | -3.1863% | 5,964 |
| Return on Equity (ROE) | -49.0444% | 5,971 |
| Retained earnings to average equity (ytd only) | -49.0444% | 5,965 |
| Net charge-offs to loans | 1.6920% | 75 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -4.4785% | 3,892 |
| Efficiency ratio | 222.3206% | 9 |
| Assets per employee ($millions) | 2.9279% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1162% | 163 |
| Loan loss allowance to noncurrent loans | 37.7669% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 5.1279% | 138 |
| Noncurrent loans to loans | 8.2512% | 55 |
| Net loans and leases to total assets | 38.6109% | 5,444 |
| Net loans and leases to deposits | 42.8065% | 5,557 |
| Net loans and leases to core deposits | 43.0729% | 5,609 |
| Total domestic deposits to total assets | 90.1986% | 405 |
| Equity capital to assets | 9.5728% | 4,585 |
| Core capital (leverage) ratio | 9.0571% | 4,768 |
| Tier 1 risk-based capital ratio | 23.1697% | 988 |
| Total risk-based capital ratio | 26.2944% | 794 |
| Memoranda: |
| Average total assets | $104,194,250 | 4,314 |
| Average earning assets | $95,339,000 | 4,317 |
| Average equity | $6,356,000 | 5,271 |
| Average total loans | $43,812,250 | 4,790 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0993% | 5,544 |
| Cost of funding earning assets | 0.4102% | 2,937 |
| Net interest margin | 2.6891% | 5,582 |
| Noninterest income to average assets | 0.4924% | 3,246 |
| Noninterest expense to average assets | 5.8399% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -2.5833% | 6,027 |
| Return on assets (ROA) | -2.5833% | 6,028 |
| Pretax return on assets | -2.8757% | 6,030 |
| Return on Equity (ROE) | -50.7303% | 6,046 |
| Retained earnings to average equity (ytd only) | -50.7303% | 6,037 |
| Net charge-offs to loans | 3.5439% | 36 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -1.8996% | 3,604 |
| Efficiency ratio | 196.8851% | 17 |
| Assets per employee ($millions) | 3.2241% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1130% | 613 |
| Loan loss allowance to noncurrent loans | 20.7286% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 5.4004% | 127 |
| Noncurrent loans to loans | 10.1934% | 34 |
| Net loans and leases to total assets | 37.9927% | 5,513 |
| Net loans and leases to deposits | 43.8612% | 5,570 |
| Net loans and leases to core deposits | 44.2518% | 5,617 |
| Total domestic deposits to total assets | 86.6203% | 2,100 |
| Equity capital to assets | 10.2635% | 3,907 |
| Core capital (leverage) ratio | 10.3177% | 3,169 |
| Tier 1 risk-based capital ratio | 22.3656% | 1,094 |
| Total risk-based capital ratio | 23.6219% | 1,077 |
| Memoranda: |
| Average total assets | $103,974,670 | 4,352 |
| Average earning assets | $95,570,330 | 4,348 |
| Average equity | $5,294,670 | 5,527 |
| Average total loans | $44,414,330 | 4,815 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3509% | 5,224 |
| Cost of funding earning assets | 0.4253% | 2,809 |
| Net interest margin | 2.9256% | 5,273 |
| Noninterest income to average assets | 0.5892% | 2,596 |
| Noninterest expense to average assets | 6.2362% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -2.4320% | 6,082 |
| Return on assets (ROA) | -2.4320% | 6,082 |
| Pretax return on assets | -2.9540% | 6,087 |
| Return on Equity (ROE) | -106.1947% | 6,118 |
| Retained earnings to average equity (ytd only) | -106.1947% | 6,108 |
| Net charge-offs to loans | 0.5204% | 415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -12.6610% | 3,068 |
| Efficiency ratio | 189.8795% | 22 |
| Assets per employee ($millions) | 3.2582% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.1111% | 51 |
| Loan loss allowance to noncurrent loans | 38.0261% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 6.2215% | 109 |
| Noncurrent loans to loans | 13.4411% | 19 |
| Net loans and leases to total assets | 41.8528% | 5,358 |
| Net loans and leases to deposits | 44.2158% | 5,582 |
| Net loans and leases to core deposits | 44.4890% | 5,642 |
| Total domestic deposits to total assets | 94.6557% | 15 |
| Equity capital to assets | 2.1158% | 6,116 |
| Core capital (leverage) ratio | 2.0077% | 6,119 |
| Tier 1 risk-based capital ratio | 4.1899% | 6,107 |
| Total risk-based capital ratio | 5.4823% | 6,107 |
| Memoranda: |
| Average total assets | $101,151,500 | 4,444 |
| Average earning assets | $93,108,500 | 4,445 |
| Average equity | $2,316,500 | 6,012 |
| Average total loans | $45,348,000 | 4,822 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8319% | 3,943 |
| Cost of funding earning assets | 0.4645% | 2,488 |
| Net interest margin | 3.3674% | 4,047 |
| Noninterest income to average assets | 0.2646% | 4,983 |
| Noninterest expense to average assets | 5.8310% | 191 |
| Loan and lease loss provision to assets | 0.4001% | 338 |
| Net operating income to assets | -3.6066% | 6,170 |
| Return on assets (ROA) | -1.9161% | 6,138 |
| Pretax return on assets | -1.1939% | 6,112 |
| Return on Equity (ROE) | -46.4760% | 6,171 |
| Retained earnings to average equity (ytd only) | -46.4760% | 6,169 |
| Net charge-offs to loans | 1.8307% | 75 |
| Credit loss provision to net charge-offs | 48.1027% | 3,431 |
| Earnings coverage of net charge-offs (x) | -2.9866% | 4,375 |
| Efficiency ratio | 174.0361% | 20 |
| Assets per employee ($millions) | 3.2675% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.0622% | 50 |
| Loan loss allowance to noncurrent loans | 32.4670% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 7.3304% | 93 |
| Noncurrent loans to loans | 15.5918% | 16 |
| Net loans and leases to total assets | 43.2516% | 5,326 |
| Net loans and leases to deposits | 45.8743% | 5,574 |
| Net loans and leases to core deposits | 46.1581% | 5,641 |
| Total domestic deposits to total assets | 94.2828% | 22 |
| Equity capital to assets | 2.4563% | 6,172 |
| Core capital (leverage) ratio | 2.5608% | 6,172 |
| Tier 1 risk-based capital ratio | 5.2643% | 6,163 |
| Total risk-based capital ratio | 6.5551% | 6,162 |
| Memoranda: |
| Average total assets | $107,717,800 | 4,301 |
| Average earning assets | $98,592,600 | 4,324 |
| Average equity | $4,441,000 | 5,773 |
| Average total loans | $48,943,200 | 4,704 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8735% | 3,836 |
| Cost of funding earning assets | 0.4713% | 2,485 |
| Net interest margin | 3.4022% | 3,951 |
| Noninterest income to average assets | 0.3586% | 4,375 |
| Noninterest expense to average assets | 5.5710% | 208 |
| Loan and lease loss provision to assets | 0.5256% | 190 |
| Net operating income to assets | -3.3307% | 6,255 |
| Return on assets (ROA) | -1.4830% | 6,213 |
| Pretax return on assets | -0.7830% | 6,166 |
| Return on Equity (ROE) | -32.8912% | 6,246 |
| Retained earnings to average equity (ytd only) | -32.8912% | 6,235 |
| Net charge-offs to loans | 1.8613% | 68 |
| Credit loss provision to net charge-offs | 62.1934% | 2,887 |
| Earnings coverage of net charge-offs (x) | -2.4906% | 4,088 |
| Efficiency ratio | 160.5559% | 30 |
| Assets per employee ($millions) | 3.3498% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.2453% | 53 |
| Loan loss allowance to noncurrent loans | 27.9502% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 9.1415% | 64 |
| Noncurrent loans to loans | 18.7667% | 8 |
| Net loans and leases to total assets | 44.1678% | 5,349 |
| Net loans and leases to deposits | 47.4263% | 5,599 |
| Net loans and leases to core deposits | 48.6802% | 5,622 |
| Total domestic deposits to total assets | 93.1292% | 46 |
| Equity capital to assets | 3.5948% | 6,249 |
| Core capital (leverage) ratio | 3.2791% | 6,251 |
| Tier 1 risk-based capital ratio | 7.0482% | 6,232 |
| Total risk-based capital ratio | 8.3451% | 6,230 |
| Memoranda: |
| Average total assets | $109,324,500 | 4,315 |
| Average earning assets | $99,855,000 | 4,338 |
| Average equity | $4,929,250 | 5,741 |
| Average total loans | $49,642,500 | 4,730 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8163% | 4,002 |
| Cost of funding earning assets | 0.4770% | 2,456 |
| Net interest margin | 3.3392% | 4,143 |
| Noninterest income to average assets | 0.4246% | 3,889 |
| Noninterest expense to average assets | 5.6140% | 210 |
| Loan and lease loss provision to assets | 0.5308% | 182 |
| Net operating income to assets | -3.1363% | 6,324 |
| Return on assets (ROA) | -2.2006% | 6,309 |
| Pretax return on assets | -1.7490% | 6,294 |
| Return on Equity (ROE) | -45.9084% | 6,328 |
| Retained earnings to average equity (ytd only) | -45.9084% | 6,319 |
| Net charge-offs to loans | 1.1667% | 161 |
| Credit loss provision to net charge-offs | 101.0274% | 2,022 |
| Earnings coverage of net charge-offs (x) | -4.0993% | 3,818 |
| Efficiency ratio | 162.0905% | 33 |
| Assets per employee ($millions) | 3.1178% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.6750% | 47 |
| Loan loss allowance to noncurrent loans | 24.6419% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 10.8246% | 55 |
| Noncurrent loans to loans | 23.0298% | 5 |
| Net loans and leases to total assets | 42.7100% | 5,454 |
| Net loans and leases to deposits | 45.9684% | 5,681 |
| Net loans and leases to core deposits | 48.7006% | 5,664 |
| Total domestic deposits to total assets | 92.9116% | 57 |
| Equity capital to assets | 3.9882% | 6,317 |
| Core capital (leverage) ratio | 3.1950% | 6,329 |
| Tier 1 risk-based capital ratio | 7.0022% | 6,310 |
| Total risk-based capital ratio | 8.3059% | 6,309 |
| Memoranda: |
| Average total assets | $111,151,000 | 4,317 |
| Average earning assets | $101,040,670 | 4,345 |
| Average equity | $5,328,000 | 5,696 |
| Average total loans | $50,055,000 | 4,748 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0339% | 3,104 |
| Cost of funding earning assets | 0.4734% | 2,522 |
| Net interest margin | 3.5605% | 3,174 |
| Noninterest income to average assets | 0.6383% | 2,459 |
| Noninterest expense to average assets | 5.5204% | 223 |
| Loan and lease loss provision to assets | 1.0449% | 74 |
| Net operating income to assets | -3.0455% | 6,388 |
| Return on assets (ROA) | -1.1554% | 6,335 |
| Pretax return on assets | -0.8452% | 6,300 |
| Return on Equity (ROE) | -22.2834% | 6,365 |
| Retained earnings to average equity (ytd only) | -22.2834% | 6,294 |
| Net charge-offs to loans | 2.3026% | 70 |
| Credit loss provision to net charge-offs | 101.0345% | 1,593 |
| Earnings coverage of net charge-offs (x) | -1.6345% | 3,196 |
| Efficiency ratio | 143.9479% | 59 |
| Assets per employee ($millions) | 2.8985% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.6152% | 50 |
| Loan loss allowance to noncurrent loans | 26.0208% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 10.2059% | 66 |
| Noncurrent loans to loans | 21.5796% | 10 |
| Net loans and leases to total assets | 42.7920% | 5,438 |
| Net loans and leases to deposits | 46.5464% | 5,637 |
| Net loans and leases to core deposits | 49.3121% | 5,621 |
| Total domestic deposits to total assets | 91.9340% | 151 |
| Equity capital to assets | 5.0562% | 6,368 |
| Core capital (leverage) ratio | 4.0291% | 6,390 |
| Tier 1 risk-based capital ratio | 8.6182% | 6,335 |
| Total risk-based capital ratio | 9.9201% | 6,334 |
| Memoranda: |
| Average total assets | $112,165,500 | 4,326 |
| Average earning assets | $100,549,000 | 4,387 |
| Average equity | $5,816,000 | 5,653 |
| Average total loans | $50,377,500 | 4,773 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1044% | 3,311 |
| Cost of funding earning assets | 0.4969% | 2,704 |
| Net interest margin | 3.6076% | 3,389 |
| Noninterest income to average assets | 0.6598% | 2,506 |
| Noninterest expense to average assets | 4.6290% | 414 |
| Loan and lease loss provision to assets | 1.1833% | 82 |
| Net operating income to assets | -1.5025% | 6,431 |
| Return on assets (ROA) | -1.5025% | 6,429 |
| Pretax return on assets | -1.8087% | 6,441 |
| Return on Equity (ROE) | -23.9378% | 6,454 |
| Retained earnings to average equity (ytd only) | -23.9378% | 6,443 |
| Net charge-offs to loans | 2.5983% | 53 |
| Credit loss provision to net charge-offs | 98.1402% | 2,466 |
| Earnings coverage of net charge-offs (x) | -0.5186% | 4,766 |
| Efficiency ratio | 115.4675% | 155 |
| Assets per employee ($millions) | 3.0187% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.4559% | 56 |
| Loan loss allowance to noncurrent loans | 23.5200% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 11.4699% | 64 |
| Noncurrent loans to loans | 23.1968% | 7 |
| Net loans and leases to total assets | 42.3140% | 5,592 |
| Net loans and leases to deposits | 46.3321% | 5,781 |
| Net loans and leases to core deposits | 50.4506% | 5,696 |
| Total domestic deposits to total assets | 91.3276% | 266 |
| Equity capital to assets | 5.7389% | 6,430 |
| Core capital (leverage) ratio | 4.7469% | 6,465 |
| Tier 1 risk-based capital ratio | 10.3779% | 6,151 |
| Total risk-based capital ratio | 11.6798% | 6,075 |
| Memoranda: |
| Average total assets | $115,942,200 | 4,256 |
| Average earning assets | $107,468,800 | 4,233 |
| Average equity | $7,277,200 | 5,354 |
| Average total loans | $53,804,600 | 4,698 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2086% | 2,958 |
| Cost of funding earning assets | 0.5044% | 2,712 |
| Net interest margin | 3.7042% | 3,005 |
| Noninterest income to average assets | 0.3406% | 4,713 |
| Noninterest expense to average assets | 4.5624% | 430 |
| Loan and lease loss provision to assets | 1.2754% | 72 |
| Net operating income to assets | -1.7261% | 6,516 |
| Return on assets (ROA) | -1.7261% | 6,515 |
| Pretax return on assets | -2.0690% | 6,524 |
| Return on Equity (ROE) | -26.9318% | 6,531 |
| Retained earnings to average equity (ytd only) | -26.9318% | 6,521 |
| Net charge-offs to loans | 2.7832% | 47 |
| Credit loss provision to net charge-offs | 97.8873% | 2,276 |
| Earnings coverage of net charge-offs (x) | -0.6092% | 4,508 |
| Efficiency ratio | 120.9069% | 126 |
| Assets per employee ($millions) | 2.9861% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.2656% | 66 |
| Loan loss allowance to noncurrent loans | 27.8711% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 9.8960% | 92 |
| Noncurrent loans to loans | 18.8928% | 13 |
| Net loans and leases to total assets | 44.4426% | 5,492 |
| Net loans and leases to deposits | 48.7878% | 5,716 |
| Net loans and leases to core deposits | 53.3409% | 5,603 |
| Total domestic deposits to total assets | 91.0937% | 336 |
| Equity capital to assets | 5.9364% | 6,480 |
| Core capital (leverage) ratio | 5.0043% | 6,527 |
| Tier 1 risk-based capital ratio | 10.6593% | 6,146 |
| Total risk-based capital ratio | 11.9593% | 6,077 |
| Memoranda: |
| Average total assets | $116,250,500 | 4,297 |
| Average earning assets | $107,587,250 | 4,275 |
| Average equity | $7,450,750 | 5,356 |
| Average total loans | $54,421,000 | 4,714 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3533% | 2,370 |
| Cost of funding earning assets | 0.5120% | 2,706 |
| Net interest margin | 3.8413% | 2,407 |
| Noninterest income to average assets | 0.3038% | 4,976 |
| Noninterest expense to average assets | 4.5947% | 411 |
| Loan and lease loss provision to assets | 0.8602% | 137 |
| Net operating income to assets | -1.0992% | 6,540 |
| Return on assets (ROA) | -1.0992% | 6,538 |
| Pretax return on assets | -1.6044% | 6,567 |
| Return on Equity (ROE) | -16.7512% | 6,562 |
| Retained earnings to average equity (ytd only) | -16.7512% | 6,513 |
| Net charge-offs to loans | 1.9191% | 122 |
| Credit loss provision to net charge-offs | 95.8175% | 2,087 |
| Earnings coverage of net charge-offs (x) | -0.8289% | 4,198 |
| Efficiency ratio | 119.1933% | 148 |
| Assets per employee ($millions) | 3.0750% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.2049% | 77 |
| Loan loss allowance to noncurrent loans | 45.3883% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 6.1677% | 231 |
| Noncurrent loans to loans | 11.4674% | 52 |
| Net loans and leases to total assets | 43.7198% | 5,551 |
| Net loans and leases to deposits | 48.2422% | 5,761 |
| Net loans and leases to core deposits | 52.6198% | 5,635 |
| Total domestic deposits to total assets | 90.6257% | 533 |
| Equity capital to assets | 6.4972% | 6,497 |
| Core capital (leverage) ratio | 5.6048% | 6,560 |
| Tier 1 risk-based capital ratio | 12.1363% | 5,461 |
| Total risk-based capital ratio | 13.4358% | 5,348 |
| Memoranda: |
| Average total assets | $117,177,330 | 4,301 |
| Average earning assets | $108,193,330 | 4,284 |
| Average equity | $7,689,000 | 5,347 |
| Average total loans | $54,817,330 | 4,724 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4261% | 2,037 |
| Cost of funding earning assets | 0.5264% | 2,640 |
| Net interest margin | 3.8997% | 2,089 |
| Noninterest income to average assets | 0.2795% | 5,127 |
| Noninterest expense to average assets | 4.4588% | 475 |
| Loan and lease loss provision to assets | 0.7977% | 149 |
| Net operating income to assets | -0.8318% | 6,545 |
| Return on assets (ROA) | -0.8318% | 6,545 |
| Pretax return on assets | -1.3908% | 6,604 |
| Return on Equity (ROE) | -12.6139% | 6,589 |
| Retained earnings to average equity (ytd only) | -12.6139% | 6,432 |
| Net charge-offs to loans | 1.7438% | 169 |
| Credit loss provision to net charge-offs | 97.0954% | 1,726 |
| Earnings coverage of net charge-offs (x) | -0.7220% | 3,498 |
| Efficiency ratio | 115.1675% | 220 |
| Assets per employee ($millions) | 2.7858% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.1528% | 87 |
| Loan loss allowance to noncurrent loans | 54.8959% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 5.1682% | 382 |
| Noncurrent loans to loans | 9.3864% | 112 |
| Net loans and leases to total assets | 44.3643% | 5,477 |
| Net loans and leases to deposits | 48.9804% | 5,672 |
| Net loans and leases to core deposits | 53.2800% | 5,548 |
| Total domestic deposits to total assets | 90.5755% | 757 |
| Equity capital to assets | 6.6152% | 6,509 |
| Core capital (leverage) ratio | 5.9216% | 6,597 |
| Tier 1 risk-based capital ratio | 12.5844% | 5,266 |
| Total risk-based capital ratio | 13.8829% | 5,168 |
| Memoranda: |
| Average total assets | $117,340,500 | 4,327 |
| Average earning assets | $107,906,500 | 4,318 |
| Average equity | $7,737,500 | 5,361 |
| Average total loans | $55,280,000 | 4,751 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3577% | 2,743 |
| Cost of funding earning assets | 0.7101% | 1,741 |
| Net interest margin | 3.6476% | 3,251 |
| Noninterest income to average assets | 0.5840% | 3,188 |
| Noninterest expense to average assets | 4.3172% | 617 |
| Loan and lease loss provision to assets | 1.2210% | 129 |
| Net operating income to assets | -2.3228% | 6,727 |
| Return on assets (ROA) | -2.2920% | 6,727 |
| Pretax return on assets | -1.5461% | 6,670 |
| Return on Equity (ROE) | -29.8183% | 6,724 |
| Retained earnings to average equity (ytd only) | -29.8183% | 6,717 |
| Net charge-offs to loans | 2.2338% | 146 |
| Credit loss provision to net charge-offs | 120.6708% | 1,978 |
| Earnings coverage of net charge-offs (x) | -0.3518% | 5,173 |
| Efficiency ratio | 108.8464% | 289 |
| Assets per employee ($millions) | 2.8018% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.0634% | 88 |
| Loan loss allowance to noncurrent loans | 59.9958% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 4.7792% | 507 |
| Noncurrent loans to loans | 8.4396% | 172 |
| Net loans and leases to total assets | 45.0428% | 5,579 |
| Net loans and leases to deposits | 49.7321% | 5,791 |
| Net loans and leases to core deposits | 54.0575% | 5,667 |
| Total domestic deposits to total assets | 90.5708% | 773 |
| Equity capital to assets | 6.5731% | 6,559 |
| Core capital (leverage) ratio | 6.0756% | 6,643 |
| Tier 1 risk-based capital ratio | 12.8481% | 5,083 |
| Total risk-based capital ratio | 14.1464% | 4,995 |
| Memoranda: |
| Average total assets | $126,702,000 | 4,133 |
| Average earning assets | $117,309,400 | 4,101 |
| Average equity | $9,739,000 | 4,910 |
| Average total loans | $57,390,200 | 4,704 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3354% | 2,850 |
| Cost of funding earning assets | 0.7683% | 1,490 |
| Net interest margin | 3.5671% | 3,592 |
| Noninterest income to average assets | 0.3288% | 5,057 |
| Noninterest expense to average assets | 4.2866% | 643 |
| Loan and lease loss provision to assets | 1.3906% | 88 |
| Net operating income to assets | -2.9497% | 6,845 |
| Return on assets (ROA) | -2.9094% | 6,846 |
| Pretax return on assets | -2.0006% | 6,803 |
| Return on Equity (ROE) | -36.6397% | 6,839 |
| Retained earnings to average equity (ytd only) | -36.6397% | 6,836 |
| Net charge-offs to loans | 2.5614% | 117 |
| Credit loss provision to net charge-offs | 121.1712% | 1,944 |
| Earnings coverage of net charge-offs (x) | -0.5667% | 4,960 |
| Efficiency ratio | 117.7424% | 193 |
| Assets per employee ($millions) | 2.8064% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.9640% | 116 |
| Loan loss allowance to noncurrent loans | 63.6405% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 4.4066% | 688 |
| Noncurrent loans to loans | 7.8000% | 232 |
| Net loans and leases to total assets | 45.4309% | 5,598 |
| Net loans and leases to deposits | 50.2760% | 5,816 |
| Net loans and leases to core deposits | 54.6469% | 5,718 |
| Total domestic deposits to total assets | 90.3630% | 811 |
| Equity capital to assets | 6.7227% | 6,609 |
| Core capital (leverage) ratio | 6.1481% | 6,701 |
| Tier 1 risk-based capital ratio | 13.0076% | 5,116 |
| Total risk-based capital ratio | 14.3044% | 5,041 |
| Memoranda: |
| Average total assets | $128,958,250 | 4,139 |
| Average earning assets | $119,570,000 | 4,103 |
| Average equity | $10,240,000 | 4,836 |
| Average total loans | $57,779,750 | 4,741 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2575% | 3,127 |
| Cost of funding earning assets | 0.8021% | 1,399 |
| Net interest margin | 3.4553% | 3,982 |
| Noninterest income to average assets | 0.3272% | 5,079 |
| Noninterest expense to average assets | 3.9968% | 867 |
| Loan and lease loss provision to assets | 1.4926% | 86 |
| Net operating income to assets | -2.6867% | 6,886 |
| Return on assets (ROA) | -2.6731% | 6,886 |
| Pretax return on assets | -1.9404% | 6,837 |
| Return on Equity (ROE) | -32.2012% | 6,868 |
| Retained earnings to average equity (ytd only) | -32.2012% | 6,856 |
| Net charge-offs to loans | 2.4203% | 161 |
| Credit loss provision to net charge-offs | 140.4255% | 1,617 |
| Earnings coverage of net charge-offs (x) | -0.4340% | 4,653 |
| Efficiency ratio | 112.9211% | 239 |
| Assets per employee ($millions) | 3.1016% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.9662% | 116 |
| Loan loss allowance to noncurrent loans | 77.3431% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 3.5005% | 1,103 |
| Noncurrent loans to loans | 6.4211% | 410 |
| Net loans and leases to total assets | 41.8215% | 5,910 |
| Net loans and leases to deposits | 50.3126% | 5,816 |
| Net loans and leases to core deposits | 54.6007% | 5,708 |
| Total domestic deposits to total assets | 83.1233% | 4,654 |
| Equity capital to assets | 7.3349% | 6,501 |
| Core capital (leverage) ratio | 6.4122% | 6,710 |
| Tier 1 risk-based capital ratio | 14.5647% | 4,057 |
| Total risk-based capital ratio | 15.8612% | 3,984 |
| Memoranda: |
| Average total assets | $132,654,670 | 4,084 |
| Average earning assets | $123,171,330 | 4,052 |
| Average equity | $11,012,000 | 4,715 |
| Average total loans | $58,257,670 | 4,734 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2866% | 2,942 |
| Cost of funding earning assets | 0.7987% | 1,535 |
| Net interest margin | 3.4879% | 3,753 |
| Noninterest income to average assets | 0.2779% | 5,467 |
| Noninterest expense to average assets | 4.1450% | 759 |
| Loan and lease loss provision to assets | 1.3807% | 106 |
| Net operating income to assets | -2.0740% | 6,931 |
| Return on assets (ROA) | -2.0471% | 6,930 |
| Pretax return on assets | -1.9843% | 6,919 |
| Return on Equity (ROE) | -23.3380% | 6,913 |
| Retained earnings to average equity (ytd only) | -23.3380% | 6,863 |
| Net charge-offs to loans | 2.1797% | 209 |
| Credit loss provision to net charge-offs | 144.3750% | 1,403 |
| Earnings coverage of net charge-offs (x) | -0.6594% | 3,938 |
| Efficiency ratio | 117.7721% | 233 |
| Assets per employee ($millions) | 3.1583% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6539% | 176 |
| Loan loss allowance to noncurrent loans | 62.4192% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 3.9389% | 1,024 |
| Noncurrent loans to loans | 7.4559% | 371 |
| Net loans and leases to total assets | 41.7625% | 5,863 |
| Net loans and leases to deposits | 50.7968% | 5,726 |
| Net loans and leases to core deposits | 55.2307% | 5,584 |
| Total domestic deposits to total assets | 82.2149% | 5,122 |
| Equity capital to assets | 8.5503% | 5,970 |
| Core capital (leverage) ratio | 7.1926% | 6,584 |
| Tier 1 risk-based capital ratio | 15.8851% | 3,329 |
| Total risk-based capital ratio | 17.1766% | 3,276 |
| Memoranda: |
| Average total assets | $133,848,000 | 4,103 |
| Average earning assets | $124,201,000 | 4,062 |
| Average equity | $11,740,500 | 4,623 |
| Average total loans | $58,723,000 | 4,749 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2328% | 4,464 |
| Cost of funding earning assets | 1.1416% | 764 |
| Net interest margin | 3.0913% | 5,838 |
| Noninterest income to average assets | 0.3918% | 4,670 |
| Noninterest expense to average assets | 3.6381% | 1,528 |
| Loan and lease loss provision to assets | 2.6579% | 54 |
| Net operating income to assets | -2.4218% | 6,969 |
| Return on assets (ROA) | -2.4011% | 6,970 |
| Pretax return on assets | -2.9853% | 7,014 |
| Return on Equity (ROE) | -24.2052% | 6,918 |
| Retained earnings to average equity (ytd only) | -24.2052% | 6,889 |
| Net charge-offs to loans | 3.9836% | 73 |
| Credit loss provision to net charge-offs | 159.6889% | 1,683 |
| Earnings coverage of net charge-offs (x) | -0.2123% | 5,579 |
| Efficiency ratio | 110.6070% | 324 |
| Assets per employee ($millions) | 3.2154% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3172% | 224 |
| Loan loss allowance to noncurrent loans | 44.2563% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 4.5081% | 920 |
| Noncurrent loans to loans | 9.7550% | 247 |
| Net loans and leases to total assets | 42.0464% | 6,002 |
| Net loans and leases to deposits | 52.7572% | 5,754 |
| Net loans and leases to core deposits | 57.4037% | 5,600 |
| Total domestic deposits to total assets | 79.6980% | 5,743 |
| Equity capital to assets | 8.9888% | 5,536 |
| Core capital (leverage) ratio | 7.5913% | 6,451 |
| Tier 1 risk-based capital ratio | 16.7066% | 2,788 |
| Total risk-based capital ratio | 17.9936% | 2,744 |
| Memoranda: |
| Average total assets | $142,933,600 | 3,895 |
| Average earning assets | $133,764,600 | 3,829 |
| Average equity | $14,178,800 | 4,121 |
| Average total loans | $59,719,200 | 4,722 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2134% | 4,770 |
| Cost of funding earning assets | 1.1996% | 690 |
| Net interest margin | 3.0138% | 6,144 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 3.6749% | 1,406 |
| Loan and lease loss provision to assets | 2.0151% | 117 |
| Net operating income to assets | -1.7114% | 7,003 |
| Return on assets (ROA) | -1.7114% | 7,013 |
| Pretax return on assets | -2.8652% | 7,106 |
| Return on Equity (ROE) | -16.8833% | 6,956 |
| Retained earnings to average equity (ytd only) | -16.8833% | 6,935 |
| Net charge-offs to loans | 3.9255% | 92 |
| Credit loss provision to net charge-offs | 124.3612% | 2,326 |
| Earnings coverage of net charge-offs (x) | -0.5247% | 5,504 |
| Efficiency ratio | 129.9349% | 150 |
| Assets per employee ($millions) | 3.3369% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6335% | 1,047 |
| Loan loss allowance to noncurrent loans | 26.9978% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 4.2947% | 1,093 |
| Noncurrent loans to loans | 9.7546% | 260 |
| Net loans and leases to total assets | 41.4440% | 6,167 |
| Net loans and leases to deposits | 53.8818% | 5,818 |
| Net loans and leases to core deposits | 58.6140% | 5,696 |
| Total domestic deposits to total assets | 76.9165% | 6,244 |
| Equity capital to assets | 9.9552% | 4,560 |
| Core capital (leverage) ratio | 8.3537% | 5,941 |
| Tier 1 risk-based capital ratio | 18.4744% | 2,176 |
| Total risk-based capital ratio | 19.7411% | 2,137 |
| Memoranda: |
| Average total assets | $144,905,500 | 3,903 |
| Average earning assets | $135,817,250 | 3,835 |
| Average equity | $14,688,750 | 4,063 |
| Average total loans | $59,813,000 | 4,774 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2135% | 4,901 |
| Cost of funding earning assets | 1.2988% | 534 |
| Net interest margin | 2.9147% | 6,406 |
| Noninterest income to average assets | -0.0205% | 7,027 |
| Noninterest expense to average assets | 3.7026% | 1,366 |
| Loan and lease loss provision to assets | 2.4793% | 88 |
| Net operating income to assets | -2.0752% | 7,080 |
| Return on assets (ROA) | -2.0752% | 7,090 |
| Pretax return on assets | -3.4664% | 7,170 |
| Return on Equity (ROE) | -20.3558% | 7,040 |
| Retained earnings to average equity (ytd only) | -20.3558% | 7,016 |
| Net charge-offs to loans | 4.7172% | 81 |
| Credit loss provision to net charge-offs | 128.6119% | 2,139 |
| Earnings coverage of net charge-offs (x) | -0.5120% | 5,240 |
| Efficiency ratio | 136.1991% | 137 |
| Assets per employee ($millions) | 3.6114% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6125% | 1,136 |
| Loan loss allowance to noncurrent loans | 28.3618% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 4.0605% | 1,250 |
| Noncurrent loans to loans | 9.2112% | 319 |
| Net loans and leases to total assets | 40.9193% | 6,279 |
| Net loans and leases to deposits | 53.2309% | 5,932 |
| Net loans and leases to core deposits | 58.0254% | 5,772 |
| Total domestic deposits to total assets | 76.8714% | 6,343 |
| Equity capital to assets | 10.1439% | 4,130 |
| Core capital (leverage) ratio | 8.5916% | 5,531 |
| Tier 1 risk-based capital ratio | 19.0731% | 1,948 |
| Total risk-based capital ratio | 20.3393% | 1,927 |
| Memoranda: |
| Average total assets | $146,491,330 | 3,895 |
| Average earning assets | $137,510,000 | 3,819 |
| Average equity | $14,934,330 | 4,005 |
| Average total loans | $59,866,000 | 4,796 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1581% | 5,250 |
| Cost of funding earning assets | 1.2862% | 666 |
| Net interest margin | 2.8719% | 6,521 |
| Noninterest income to average assets | -0.0134% | 7,119 |
| Noninterest expense to average assets | 3.4558% | 1,858 |
| Loan and lease loss provision to assets | 1.4466% | 242 |
| Net operating income to assets | -1.3261% | 7,058 |
| Return on assets (ROA) | -1.3261% | 7,073 |
| Pretax return on assets | -2.2181% | 7,155 |
| Return on Equity (ROE) | -12.9768% | 7,039 |
| Retained earnings to average equity (ytd only) | -12.9768% | 6,922 |
| Net charge-offs to loans | 4.0458% | 142 |
| Credit loss provision to net charge-offs | 88.6700% | 2,573 |
| Earnings coverage of net charge-offs (x) | -0.4729% | 4,496 |
| Efficiency ratio | 128.5429% | 169 |
| Assets per employee ($millions) | 3.4286% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7838% | 3,047 |
| Loan loss allowance to noncurrent loans | 20.4849% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 3.7730% | 1,483 |
| Noncurrent loans to loans | 8.7081% | 407 |
| Net loans and leases to total assets | 39.1608% | 6,413 |
| Net loans and leases to deposits | 54.3876% | 5,771 |
| Net loans and leases to core deposits | 59.2617% | 5,604 |
| Total domestic deposits to total assets | 72.0032% | 6,877 |
| Equity capital to assets | 9.9397% | 4,203 |
| Core capital (leverage) ratio | 8.6885% | 5,314 |
| Tier 1 risk-based capital ratio | 19.9067% | 1,731 |
| Total risk-based capital ratio | 21.1617% | 1,705 |
| Memoranda: |
| Average total assets | $149,315,500 | 3,883 |
| Average earning assets | $140,257,000 | 3,811 |
| Average equity | $15,258,000 | 3,944 |
| Average total loans | $60,210,000 | 4,812 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5900% | 4,712 |
| Cost of funding earning assets | 1.4556% | 850 |
| Net interest margin | 3.1343% | 6,261 |
| Noninterest income to average assets | 1.2451% | 840 |
| Noninterest expense to average assets | 3.4355% | 2,148 |
| Loan and lease loss provision to assets | 1.5716% | 457 |
| Net operating income to assets | -0.4794% | 6,472 |
| Return on assets (ROA) | -0.4794% | 6,527 |
| Pretax return on assets | -0.8227% | 6,654 |
| Return on Equity (ROE) | -4.6915% | 6,512 |
| Retained earnings to average equity (ytd only) | -4.6915% | 6,421 |
| Net charge-offs to loans | 3.2040% | 275 |
| Credit loss provision to net charge-offs | 122.5301% | 2,581 |
| Earnings coverage of net charge-offs (x) | 0.5839% | 5,391 |
| Efficiency ratio | 81.9740% | 2,034 |
| Assets per employee ($millions) | 3.3584% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8948% | 2,581 |
| Loan loss allowance to noncurrent loans | 24.2154% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 3.5677% | 1,651 |
| Noncurrent loans to loans | 7.8249% | 526 |
| Net loans and leases to total assets | 40.0126% | 6,544 |
| Net loans and leases to deposits | 56.5111% | 5,837 |
| Net loans and leases to core deposits | 59.6399% | 5,880 |
| Total domestic deposits to total assets | 70.8048% | 6,943 |
| Equity capital to assets | 10.5034% | 3,533 |
| Core capital (leverage) ratio | 9.2928% | 4,343 |
| Tier 1 risk-based capital ratio | 20.9952% | 1,412 |
| Total risk-based capital ratio | 22.2525% | 1,388 |
| Memoranda: |
| Average total assets | $149,148,000 | 3,819 |
| Average earning assets | $139,870,200 | 3,748 |
| Average equity | $15,240,200 | 3,861 |
| Average total loans | $59,706,000 | 4,875 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6804% | 4,545 |
| Cost of funding earning assets | 1.4986% | 866 |
| Net interest margin | 3.1818% | 6,199 |
| Noninterest income to average assets | 1.6125% | 509 |
| Noninterest expense to average assets | 3.4124% | 2,160 |
| Loan and lease loss provision to assets | 1.2558% | 607 |
| Net operating income to assets | -0.0321% | 6,195 |
| Return on assets (ROA) | -0.0321% | 6,298 |
| Pretax return on assets | -0.0731% | 6,307 |
| Return on Equity (ROE) | -0.3164% | 6,303 |
| Retained earnings to average equity (ytd only) | -0.3164% | 6,037 |
| Net charge-offs to loans | 2.0974% | 588 |
| Credit loss provision to net charge-offs | 150.2668% | 2,081 |
| Earnings coverage of net charge-offs (x) | 1.4152% | 4,568 |
| Efficiency ratio | 74.1460% | 3,151 |
| Assets per employee ($millions) | 3.3352% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9621% | 2,439 |
| Loan loss allowance to noncurrent loans | 31.5789% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 2.9836% | 2,153 |
| Noncurrent loans to loans | 6.2134% | 881 |
| Net loans and leases to total assets | 39.3501% | 6,685 |
| Net loans and leases to deposits | 56.3701% | 5,994 |
| Net loans and leases to core deposits | 59.4843% | 6,028 |
| Total domestic deposits to total assets | 69.8066% | 7,050 |
| Equity capital to assets | 10.9824% | 3,168 |
| Core capital (leverage) ratio | 9.6396% | 3,933 |
| Tier 1 risk-based capital ratio | 21.9845% | 1,293 |
| Total risk-based capital ratio | 23.2423% | 1,263 |
| Memoranda: |
| Average total assets | $149,492,250 | 3,832 |
| Average earning assets | $140,125,500 | 3,764 |
| Average equity | $15,170,000 | 3,884 |
| Average total loans | $59,565,250 | 4,917 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7120% | 4,485 |
| Cost of funding earning assets | 1.4806% | 1,071 |
| Net interest margin | 3.2314% | 6,059 |
| Noninterest income to average assets | 0.3054% | 5,455 |
| Noninterest expense to average assets | 3.4161% | 2,217 |
| Loan and lease loss provision to assets | 1.8072% | 368 |
| Net operating income to assets | -1.1186% | 6,982 |
| Return on assets (ROA) | -1.1186% | 6,990 |
| Pretax return on assets | -1.8889% | 7,146 |
| Return on Equity (ROE) | -11.3356% | 6,975 |
| Retained earnings to average equity (ytd only) | -11.3356% | 6,922 |
| Net charge-offs to loans | 2.0728% | 637 |
| Credit loss provision to net charge-offs | 219.3496% | 1,362 |
| Earnings coverage of net charge-offs (x) | -0.0992% | 5,346 |
| Efficiency ratio | 102.2901% | 655 |
| Assets per employee ($millions) | 3.3224% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4123% | 1,566 |
| Loan loss allowance to noncurrent loans | 39.2556% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 2.9156% | 2,301 |
| Noncurrent loans to loans | 6.1451% | 952 |
| Net loans and leases to total assets | 39.0992% | 6,793 |
| Net loans and leases to deposits | 56.0880% | 6,130 |
| Net loans and leases to core deposits | 59.1900% | 6,169 |
| Total domestic deposits to total assets | 69.7104% | 7,130 |
| Equity capital to assets | 9.8711% | 4,311 |
| Core capital (leverage) ratio | 9.0320% | 4,668 |
| Tier 1 risk-based capital ratio | 20.9687% | 1,425 |
| Total risk-based capital ratio | 22.2313% | 1,401 |
| Memoranda: |
| Average total assets | $149,294,330 | 3,859 |
| Average earning assets | $139,940,670 | 3,792 |
| Average equity | $14,732,330 | 3,951 |
| Average total loans | $59,340,000 | 4,985 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7059% | 4,497 |
| Cost of funding earning assets | 1.4847% | 1,231 |
| Net interest margin | 3.2212% | 6,009 |
| Noninterest income to average assets | 0.3915% | 4,773 |
| Noninterest expense to average assets | 3.3381% | 2,450 |
| Loan and lease loss provision to assets | 1.0242% | 737 |
| Net operating income to assets | -0.5630% | 6,841 |
| Return on assets (ROA) | -0.5630% | 6,845 |
| Pretax return on assets | -0.9518% | 6,983 |
| Return on Equity (ROE) | -5.7067% | 6,846 |
| Retained earnings to average equity (ytd only) | -5.7067% | 6,570 |
| Net charge-offs to loans | 2.5195% | 451 |
| Credit loss provision to net charge-offs | 102.6882% | 2,586 |
| Earnings coverage of net charge-offs (x) | 0.0726% | 4,539 |
| Efficiency ratio | 97.7201% | 849 |
| Assets per employee ($millions) | 3.3885% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2089% | 5,591 |
| Loan loss allowance to noncurrent loans | 19.4549% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 2.8191% | 2,445 |
| Noncurrent loans to loans | 6.2138% | 996 |
| Net loans and leases to total assets | 39.5192% | 6,809 |
| Net loans and leases to deposits | 56.6637% | 6,068 |
| Net loans and leases to core deposits | 59.8009% | 6,108 |
| Total domestic deposits to total assets | 69.7435% | 7,195 |
| Equity capital to assets | 9.8329% | 3,987 |
| Core capital (leverage) ratio | 9.4057% | 3,953 |
| Tier 1 risk-based capital ratio | 21.6785% | 1,284 |
| Total risk-based capital ratio | 22.8022% | 1,284 |
| Memoranda: |
| Average total assets | $149,188,000 | 3,891 |
| Average earning assets | $139,825,000 | 3,826 |
| Average equity | $14,719,500 | 3,955 |
| Average total loans | $59,059,500 | 5,050 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9811% | 4,645 |
| Cost of funding earning assets | 1.5588% | 2,309 |
| Net interest margin | 3.4224% | 5,537 |
| Noninterest income to average assets | 0.5940% | 3,514 |
| Noninterest expense to average assets | 3.2972% | 2,746 |
| Loan and lease loss provision to assets | 0.6181% | 2,668 |
| Net operating income to assets | -0.0982% | 5,988 |
| Return on assets (ROA) | 0.0522% | 5,839 |
| Pretax return on assets | 0.0656% | 5,770 |
| Return on Equity (ROE) | 0.5074% | 5,830 |
| Retained earnings to average equity (ytd only) | 0.5074% | 5,324 |
| Net charge-offs to loans | 1.5545% | 1,407 |
| Credit loss provision to net charge-offs | 104.0541% | 4,319 |
| Earnings coverage of net charge-offs (x) | 0.8345% | 5,296 |
| Efficiency ratio | 86.7901% | 1,590 |
| Assets per employee ($millions) | 3.3928% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2158% | 5,434 |
| Loan loss allowance to noncurrent loans | 19.2683% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 2.8590% | 2,449 |
| Noncurrent loans to loans | 6.3101% | 968 |
| Net loans and leases to total assets | 38.6960% | 7,040 |
| Net loans and leases to deposits | 55.6013% | 6,475 |
| Net loans and leases to core deposits | 58.4308% | 6,524 |
| Total domestic deposits to total assets | 69.5955% | 7,256 |
| Equity capital to assets | 9.8999% | 3,879 |
| Core capital (leverage) ratio | 9.5243% | 3,678 |
| Tier 1 risk-based capital ratio | 21.9862% | 1,177 |
| Total risk-based capital ratio | 23.0935% | 1,175 |
| Memoranda: |
| Average total assets | $149,489,800 | 3,885 |
| Average earning assets | $139,727,000 | 3,824 |
| Average equity | $15,373,200 | 3,876 |
| Average total loans | $57,124,400 | 5,191 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0179% | 4,728 |
| Cost of funding earning assets | 1.5670% | 2,569 |
| Net interest margin | 3.4508% | 5,493 |
| Noninterest income to average assets | 0.1970% | 6,481 |
| Noninterest expense to average assets | 3.3078% | 2,548 |
| Loan and lease loss provision to assets | 0.7053% | 2,173 |
| Net operating income to assets | -0.3742% | 6,493 |
| Return on assets (ROA) | -0.2104% | 6,391 |
| Pretax return on assets | -0.3361% | 6,439 |
| Return on Equity (ROE) | -2.0272% | 6,409 |
| Retained earnings to average equity (ytd only) | -2.0272% | 6,209 |
| Net charge-offs to loans | 2.0286% | 928 |
| Credit loss provision to net charge-offs | 91.5509% | 4,706 |
| Earnings coverage of net charge-offs (x) | 0.1470% | 5,880 |
| Efficiency ratio | 96.5338% | 885 |
| Assets per employee ($millions) | 3.7828% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0431% | 6,200 |
| Loan loss allowance to noncurrent loans | 17.0003% | 7,005 |
| Noncurrent assets plus other real estate owned to assets | 2.7229% | 2,663 |
| Noncurrent loans to loans | 6.1357% | 1,002 |
| Net loans and leases to total assets | 37.8072% | 7,191 |
| Net loans and leases to deposits | 54.8412% | 6,703 |
| Net loans and leases to core deposits | 57.4698% | 6,763 |
| Total domestic deposits to total assets | 68.9393% | 7,332 |
| Equity capital to assets | 10.3119% | 3,749 |
| Core capital (leverage) ratio | 9.3032% | 4,206 |
| Tier 1 risk-based capital ratio | 21.7752% | 1,244 |
| Total risk-based capital ratio | 22.7266% | 1,267 |
| Memoranda: |
| Average total assets | $149,541,250 | 3,932 |
| Average earning assets | $139,711,000 | 3,878 |
| Average equity | $15,521,750 | 3,898 |
| Average total loans | $56,786,000 | 5,282 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0822% | 4,550 |
| Cost of funding earning assets | 1.5674% | 2,854 |
| Net interest margin | 3.5148% | 5,195 |
| Noninterest income to average assets | 0.2283% | 6,278 |
| Noninterest expense to average assets | 3.2010% | 2,899 |
| Loan and lease loss provision to assets | 0.9990% | 1,457 |
| Net operating income to assets | -0.4458% | 6,607 |
| Return on assets (ROA) | -0.4458% | 6,645 |
| Pretax return on assets | -0.6928% | 6,719 |
| Return on Equity (ROE) | -4.2853% | 6,636 |
| Retained earnings to average equity (ytd only) | -4.2853% | 6,473 |
| Net charge-offs to loans | 3.1535% | 494 |
| Credit loss provision to net charge-offs | 83.5955% | 4,606 |
| Earnings coverage of net charge-offs (x) | 0.2562% | 5,472 |
| Efficiency ratio | 91.1179% | 1,255 |
| Assets per employee ($millions) | 3.7858% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9236% | 6,680 |
| Loan loss allowance to noncurrent loans | 19.1597% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 2.2776% | 3,160 |
| Noncurrent loans to loans | 4.8203% | 1,468 |
| Net loans and leases to total assets | 37.4747% | 7,294 |
| Net loans and leases to deposits | 55.5116% | 6,762 |
| Net loans and leases to core deposits | 57.7798% | 6,840 |
| Total domestic deposits to total assets | 67.5077% | 7,447 |
| Equity capital to assets | 10.3571% | 3,580 |
| Core capital (leverage) ratio | 9.2486% | 4,212 |
| Tier 1 risk-based capital ratio | 21.6259% | 1,253 |
| Total risk-based capital ratio | 22.4607% | 1,282 |
| Memoranda: |
| Average total assets | $148,951,670 | 3,972 |
| Average earning assets | $138,956,670 | 3,924 |
| Average equity | $15,494,670 | 3,896 |
| Average total loans | $56,445,000 | 5,335 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0901% | 4,577 |
| Cost of funding earning assets | 1.5677% | 3,154 |
| Net interest margin | 3.5223% | 5,073 |
| Noninterest income to average assets | 0.2789% | 5,913 |
| Noninterest expense to average assets | 3.2496% | 2,703 |
| Loan and lease loss provision to assets | 0.7853% | 1,608 |
| Net operating income to assets | -0.3033% | 6,670 |
| Return on assets (ROA) | -0.3033% | 6,723 |
| Pretax return on assets | -0.4766% | 6,762 |
| Return on Equity (ROE) | -2.9091% | 6,727 |
| Retained earnings to average equity (ytd only) | -2.9091% | 6,346 |
| Net charge-offs to loans | 2.4059% | 695 |
| Credit loss provision to net charge-offs | 86.0534% | 3,748 |
| Earnings coverage of net charge-offs (x) | 0.3383% | 4,737 |
| Efficiency ratio | 91.1720% | 1,336 |
| Assets per employee ($millions) | 3.6979% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2891% | 4,993 |
| Loan loss allowance to noncurrent loans | 20.7445% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 2.8902% | 2,483 |
| Noncurrent loans to loans | 6.2140% | 1,039 |
| Net loans and leases to total assets | 37.7920% | 7,354 |
| Net loans and leases to deposits | 56.3201% | 6,750 |
| Net loans and leases to core deposits | 58.5322% | 6,845 |
| Total domestic deposits to total assets | 67.1021% | 7,571 |
| Equity capital to assets | 10.4060% | 3,334 |
| Core capital (leverage) ratio | 9.5678% | 3,679 |
| Tier 1 risk-based capital ratio | 22.2522% | 1,168 |
| Total risk-based capital ratio | 23.4189% | 1,159 |
| Memoranda: |
| Average total assets | $147,711,000 | 4,045 |
| Average earning assets | $137,522,500 | 4,004 |
| Average equity | $15,400,000 | 3,944 |
| Average total loans | $56,028,500 | 5,421 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0496% | 6,266 |
| Cost of funding earning assets | 1.7177% | 4,416 |
| Net interest margin | 3.3320% | 5,618 |
| Noninterest income to average assets | 0.4681% | 4,665 |
| Noninterest expense to average assets | 3.7144% | 1,879 |
| Loan and lease loss provision to assets | 0.1974% | 5,759 |
| Net operating income to assets | -0.2010% | 5,840 |
| Return on assets (ROA) | -0.1467% | 5,758 |
| Pretax return on assets | -0.2440% | 5,759 |
| Return on Equity (ROE) | -1.3972% | 5,755 |
| Retained earnings to average equity (ytd only) | -1.3972% | 5,367 |
| Net charge-offs to loans | 0.0893% | 6,230 |
| Credit loss provision to net charge-offs | 640.0000% | 458 |
| Earnings coverage of net charge-offs (x) | -4.2667% | 7,091 |
| Efficiency ratio | 103.5195% | 964 |
| Assets per employee ($millions) | 3.4304% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4018% | 4,230 |
| Loan loss allowance to noncurrent loans | 19.5915% | 7,081 |
| Noncurrent assets plus other real estate owned to assets | 3.0216% | 2,314 |
| Noncurrent loans to loans | 7.1554% | 767 |
| Net loans and leases to total assets | 37.0491% | 7,481 |
| Net loans and leases to deposits | 55.3664% | 6,962 |
| Net loans and leases to core deposits | 63.8927% | 7,093 |
| Total domestic deposits to total assets | 66.9161% | 7,606 |
| Equity capital to assets | 10.4456% | 3,248 |
| Core capital (leverage) ratio | 9.6601% | 3,512 |
| Tier 1 risk-based capital ratio | 22.6105% | 1,080 |
| Total risk-based capital ratio | 23.8609% | 1,058 |
| Memoranda: |
| Average total assets | $145,919,600 | 4,017 |
| Average earning assets | $136,406,000 | 3,973 |
| Average equity | $15,316,600 | 4,010 |
| Average total loans | $50,382,800 | 5,651 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0299% | 6,511 |
| Cost of funding earning assets | 1.7397% | 4,696 |
| Net interest margin | 3.2902% | 5,678 |
| Noninterest income to average assets | 0.4719% | 4,738 |
| Noninterest expense to average assets | 3.6997% | 1,821 |
| Loan and lease loss provision to assets | 0.1924% | 5,458 |
| Net operating income to assets | -0.1570% | 5,996 |
| Return on assets (ROA) | -0.0843% | 5,903 |
| Pretax return on assets | -0.2309% | 6,022 |
| Return on Equity (ROE) | -0.8020% | 5,901 |
| Retained earnings to average equity (ytd only) | -0.8020% | 5,438 |
| Net charge-offs to loans | -0.0570% | 7,869 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1322% | 915 |
| Assets per employee ($millions) | 3.4169% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4583% | 3,651 |
| Loan loss allowance to noncurrent loans | 18.7225% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 3.0955% | 2,217 |
| Noncurrent loans to loans | 7.7888% | 643 |
| Net loans and leases to total assets | 35.1846% | 7,645 |
| Net loans and leases to deposits | 52.9336% | 7,266 |
| Net loans and leases to core deposits | 61.2427% | 7,354 |
| Total domestic deposits to total assets | 66.4693% | 7,659 |
| Equity capital to assets | 10.6497% | 3,347 |
| Core capital (leverage) ratio | 9.8010% | 3,517 |
| Tier 1 risk-based capital ratio | 24.0250% | 998 |
| Total risk-based capital ratio | 25.1327% | 987 |
| Memoranda: |
| Average total assets | $145,522,750 | 4,048 |
| Average earning assets | $136,036,500 | 4,005 |
| Average equity | $15,293,750 | 4,046 |
| Average total loans | $49,121,750 | 5,756 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0717% | 6,539 |
| Cost of funding earning assets | 1.7526% | 4,995 |
| Net interest margin | 3.3191% | 5,480 |
| Noninterest income to average assets | 0.2978% | 6,129 |
| Noninterest expense to average assets | 3.6345% | 1,982 |
| Loan and lease loss provision to assets | 0.1710% | 5,357 |
| Net operating income to assets | -0.2413% | 6,251 |
| Return on assets (ROA) | -0.2413% | 6,266 |
| Pretax return on assets | -0.4081% | 6,335 |
| Return on Equity (ROE) | -2.3063% | 6,268 |
| Retained earnings to average equity (ytd only) | -2.3063% | 5,813 |
| Net charge-offs to loans | -0.1416% | 8,001 |
| Credit loss provision to net charge-offs | -364.7059% | 7,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8182% | 946 |
| Assets per employee ($millions) | 3.4023% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4058% | 3,694 |
| Loan loss allowance to noncurrent loans | 15.9594% | 7,334 |
| Noncurrent assets plus other real estate owned to assets | 3.2796% | 1,891 |
| Noncurrent loans to loans | 8.8084% | 459 |
| Net loans and leases to total assets | 33.1743% | 7,801 |
| Net loans and leases to deposits | 50.5605% | 7,463 |
| Net loans and leases to core deposits | 58.1754% | 7,522 |
| Total domestic deposits to total assets | 65.6131% | 7,762 |
| Equity capital to assets | 10.2522% | 3,666 |
| Core capital (leverage) ratio | 9.7215% | 3,606 |
| Tier 1 risk-based capital ratio | 24.4410% | 984 |
| Total risk-based capital ratio | 25.6423% | 977 |
| Memoranda: |
| Average total assets | $145,055,330 | 4,083 |
| Average earning assets | $135,457,670 | 4,043 |
| Average equity | $15,176,000 | 4,085 |
| Average total loans | $48,009,000 | 5,850 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1560% | 6,464 |
| Cost of funding earning assets | 1.7424% | 5,404 |
| Net interest margin | 3.4136% | 5,085 |
| Noninterest income to average assets | 0.3019% | 6,024 |
| Noninterest expense to average assets | 3.5671% | 1,938 |
| Loan and lease loss provision to assets | 0.1496% | 5,014 |
| Net operating income to assets | -0.1219% | 6,447 |
| Return on assets (ROA) | -0.1219% | 6,554 |
| Pretax return on assets | -0.2299% | 6,603 |
| Return on Equity (ROE) | -1.1530% | 6,567 |
| Retained earnings to average equity (ytd only) | -1.1530% | 5,928 |
| Net charge-offs to loans | -0.2869% | 8,056 |
| Credit loss provision to net charge-offs | -158.8235% | 6,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1446% | 1,044 |
| Assets per employee ($millions) | 3.1883% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3040% | 4,052 |
| Loan loss allowance to noncurrent loans | 20.8935% | 7,119 |
| Noncurrent assets plus other real estate owned to assets | 2.1301% | 2,705 |
| Noncurrent loans to loans | 6.2410% | 738 |
| Net loans and leases to total assets | 32.1008% | 7,862 |
| Net loans and leases to deposits | 49.1861% | 7,530 |
| Net loans and leases to core deposits | 56.3234% | 7,601 |
| Total domestic deposits to total assets | 65.2639% | 7,774 |
| Equity capital to assets | 10.5468% | 3,418 |
| Core capital (leverage) ratio | 9.8246% | 3,610 |
| Tier 1 risk-based capital ratio | 24.9097% | 991 |
| Total risk-based capital ratio | 26.0002% | 980 |
| Memoranda: |
| Average total assets | $144,433,000 | 4,106 |
| Average earning assets | $134,756,000 | 4,058 |
| Average equity | $15,264,500 | 4,090 |
| Average total loans | $47,400,500 | 5,893 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3678% | 7,508 |
| Cost of funding earning assets | 1.6134% | 7,418 |
| Net interest margin | 3.7543% | 4,210 |
| Noninterest income to average assets | 0.3596% | 5,848 |
| Noninterest expense to average assets | 3.8578% | 1,644 |
| Loan and lease loss provision to assets | 0.2426% | 4,486 |
| Net operating income to assets | -0.1873% | 6,609 |
| Return on assets (ROA) | 0.0434% | 6,107 |
| Pretax return on assets | 0.0581% | 6,031 |
| Return on Equity (ROE) | 0.3884% | 6,111 |
| Retained earnings to average equity (ytd only) | 0.3884% | 5,006 |
| Net charge-offs to loans | -0.0706% | 8,056 |
| Credit loss provision to net charge-offs | -1,009.6774% | 7,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0201% | 981 |
| Assets per employee ($millions) | 3.0257% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1359% | 5,019 |
| Loan loss allowance to noncurrent loans | 19.1003% | 7,274 |
| Noncurrent assets plus other real estate owned to assets | 2.0956% | 2,347 |
| Noncurrent loans to loans | 5.9469% | 609 |
| Net loans and leases to total assets | 32.7448% | 7,923 |
| Net loans and leases to deposits | 50.8329% | 7,592 |
| Net loans and leases to core deposits | 58.2652% | 7,657 |
| Total domestic deposits to total assets | 64.4164% | 7,764 |
| Equity capital to assets | 10.5910% | 3,402 |
| Core capital (leverage) ratio | 10.0962% | 3,359 |
| Tier 1 risk-based capital ratio | 27.7806% | 771 |
| Total risk-based capital ratio | 28.8256% | 768 |
| Memoranda: |
| Average total assets | $129,036,600 | 4,305 |
| Average earning assets | $119,994,400 | 4,257 |
| Average equity | $14,419,800 | 4,248 |
| Average total loans | $43,931,400 | 5,985 |
