| 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 | 12.5186% | 62 |
| Cost of funding earning assets | 0.2411% | 4,423 |
| Net interest margin | 12.2776% | 20 |
| Noninterest income to average assets | 4.4600% | 134 |
| Noninterest expense to average assets | 12.8597% | 94 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.7918% | 621 |
| Return on assets (ROA) | 1.7680% | 613 |
| Pretax return on assets | 2.3681% | 393 |
| Return on Equity (ROE) | 13.1700% | 1,683 |
| Retained earnings to average equity (ytd only) | 13.1713% | 483 |
| Net charge-offs to loans | 0.3268% | 332 |
| Credit loss provision to net charge-offs | 89.1639% | 1,957 |
| Earnings coverage of net charge-offs (x) | 11.3582% | 2,195 |
| Efficiency ratio | 82.1398% | 772 |
| Assets per employee ($millions) | 5.9566% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6251% | 4,211 |
| Loan loss allowance to noncurrent loans | 27.6261% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.7580% | 189 |
| Noncurrent loans to loans | 2.2625% | 230 |
| Net loans and leases to total assets | 73.4600% | 1,423 |
| Net loans and leases to deposits | 89.8956% | 1,274 |
| Net loans and leases to core deposits | 125.5668% | 495 |
| Total domestic deposits to total assets | 81.7200% | 3,179 |
| Equity capital to assets | 14.3517% | 624 |
| Core capital (leverage) ratio | 10.0115% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6081% | 349 |
| Memoranda: |
| Average total assets | $925,983,000 | 1,058 |
| Average earning assets | $831,760,000 | 1,079 |
| Average equity | $124,293,000 | 797 |
| Average total loans | $655,166,400 | 1,023 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.2236% | 59 |
| Cost of funding earning assets | 0.1917% | 4,450 |
| Net interest margin | 12.0319% | 19 |
| Noninterest income to average assets | 4.4600% | 141 |
| Noninterest expense to average assets | 12.7686% | 95 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.7492% | 727 |
| Return on assets (ROA) | 1.7069% | 777 |
| Pretax return on assets | 2.3046% | 480 |
| Return on Equity (ROE) | 12.9400% | 1,911 |
| Retained earnings to average equity (ytd only) | 12.9431% | 825 |
| Net charge-offs to loans | 0.4325% | 194 |
| Credit loss provision to net charge-offs | 38.3588% | 1,939 |
| Earnings coverage of net charge-offs (x) | 8.1947% | 2,207 |
| Efficiency ratio | 83.0112% | 667 |
| Assets per employee ($millions) | 6.4250% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4909% | 4,353 |
| Loan loss allowance to noncurrent loans | 29.9752% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.4590% | 257 |
| Noncurrent loans to loans | 1.6378% | 417 |
| Net loans and leases to total assets | 69.5100% | 1,886 |
| Net loans and leases to deposits | 83.2123% | 1,811 |
| Net loans and leases to core deposits | 115.8232% | 666 |
| Total domestic deposits to total assets | 83.5300% | 2,898 |
| Equity capital to assets | 13.4967% | 726 |
| Core capital (leverage) ratio | 9.7677% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6032% | 456 |
| Memoranda: |
| Average total assets | $923,682,750 | 1,063 |
| Average earning assets | $828,343,750 | 1,086 |
| Average equity | $121,812,500 | 809 |
| Average total loans | $646,132,250 | 1,031 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.2484% | 58 |
| Cost of funding earning assets | 0.1317% | 4,494 |
| Net interest margin | 12.1166% | 22 |
| Noninterest income to average assets | 4.2000% | 140 |
| Noninterest expense to average assets | 13.4413% | 90 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1164% | 2,073 |
| Return on assets (ROA) | 1.1119% | 2,080 |
| Pretax return on assets | 1.4938% | 1,614 |
| Return on Equity (ROE) | 8.5400% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.5449% | 1,804 |
| Net charge-offs to loans | 0.5030% | 165 |
| Credit loss provision to net charge-offs | 30.6211% | 1,739 |
| Earnings coverage of net charge-offs (x) | 4.5683% | 2,211 |
| Efficiency ratio | 88.8782% | 389 |
| Assets per employee ($millions) | 6.5665% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5159% | 4,368 |
| Loan loss allowance to noncurrent loans | 32.6771% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 284 |
| Noncurrent loans to loans | 1.5788% | 413 |
| Net loans and leases to total assets | 69.5900% | 1,790 |
| Net loans and leases to deposits | 82.4661% | 1,797 |
| Net loans and leases to core deposits | 115.8260% | 630 |
| Total domestic deposits to total assets | 84.3800% | 2,731 |
| Equity capital to assets | 12.7697% | 867 |
| Core capital (leverage) ratio | 9.7319% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9482% | 429 |
| Memoranda: |
| Average total assets | $913,897,333 | 1,066 |
| Average earning assets | $818,362,667 | 1,089 |
| Average equity | $118,925,000 | 821 |
| Average total loans | $640,131,000 | 1,022 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.8788% | 17 |
| Cost of funding earning assets | 0.0547% | 4,573 |
| Net interest margin | 12.8241% | 11 |
| Noninterest income to average assets | 4.2300% | 143 |
| Noninterest expense to average assets | 14.1909% | 89 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9880% | 2,568 |
| Return on assets (ROA) | 0.9982% | 2,501 |
| Pretax return on assets | 1.3568% | 1,997 |
| Return on Equity (ROE) | 7.6000% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.5956% | 2,340 |
| Net charge-offs to loans | 1.5651% | 51 |
| Credit loss provision to net charge-offs | 11.0024% | 1,401 |
| Earnings coverage of net charge-offs (x) | 1.3350% | 1,971 |
| Efficiency ratio | 90.2199% | 350 |
| Assets per employee ($millions) | 7.5372% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3714% | 4,511 |
| Loan loss allowance to noncurrent loans | 23.9874% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.2517% | 285 |
| Noncurrent loans to loans | 1.5481% | 420 |
| Net loans and leases to total assets | 65.3700% | 2,124 |
| Net loans and leases to deposits | 77.0527% | 2,033 |
| Net loans and leases to core deposits | 106.6379% | 810 |
| Total domestic deposits to total assets | 84.8300% | 2,896 |
| Equity capital to assets | 12.2501% | 931 |
| Core capital (leverage) ratio | 10.1913% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3759% | 479 |
| Memoranda: |
| Average total assets | $894,773,500 | 1,104 |
| Average earning assets | $797,064,000 | 1,118 |
| Average equity | $117,594,500 | 836 |
| Average total loans | $627,197,500 | 1,046 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3347% | 77 |
| Cost of funding earning assets | 0.0159% | 4,632 |
| Net interest margin | 6.3188% | 42 |
| Noninterest income to average assets | 2.3100% | 211 |
| Noninterest expense to average assets | 7.2811% | 145 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.5258% | 4,042 |
| Return on assets (ROA) | 0.5148% | 4,022 |
| Pretax return on assets | 0.6830% | 3,884 |
| Return on Equity (ROE) | 4.9900% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.9907% | 3,059 |
| Net charge-offs to loans | 0.0024% | 2,422 |
| Credit loss provision to net charge-offs | 4,260.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 411.1333% | 376 |
| Efficiency ratio | 89.9495% | 306 |
| Assets per employee ($millions) | 6.3499% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1012% | 4,597 |
| Loan loss allowance to noncurrent loans | 8.7949% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 337 |
| Noncurrent loans to loans | 1.1509% | 615 |
| Net loans and leases to total assets | 75.1800% | 1,108 |
| Net loans and leases to deposits | 91.3134% | 961 |
| Net loans and leases to core deposits | 135.2003% | 182 |
| Total domestic deposits to total assets | 82.3300% | 3,563 |
| Equity capital to assets | 14.4015% | 533 |
| Core capital (leverage) ratio | 10.4316% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8835% | 555 |
| Memoranda: |
| Average total assets | $793,148,800 | 1,193 |
| Average earning assets | $721,754,400 | 1,200 |
| Average equity | $81,812,800 | 1,106 |
| Average total loans | $615,090,400 | 1,022 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0645% | 3,756 |
| Cost of funding earning assets | 0.0074% | 4,676 |
| Net interest margin | 3.0571% | 3,060 |
| Noninterest income to average assets | 1.2700% | 454 |
| Noninterest expense to average assets | 3.7579% | 388 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.2251% | 4,451 |
| Return on assets (ROA) | 0.2097% | 4,437 |
| Pretax return on assets | 0.2644% | 4,410 |
| Return on Equity (ROE) | 2.2700% | 4,379 |
| Retained earnings to average equity (ytd only) | 2.2663% | 3,965 |
| Net charge-offs to loans | -0.0007% | 3,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.7093% | 283 |
| Assets per employee ($millions) | 6.6877% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0355% | 4,651 |
| Loan loss allowance to noncurrent loans | 4.5919% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 479 |
| Noncurrent loans to loans | 0.7734% | 1,048 |
| Net loans and leases to total assets | 73.4900% | 1,140 |
| Net loans and leases to deposits | 87.8331% | 1,047 |
| Net loans and leases to core deposits | 134.6114% | 125 |
| Total domestic deposits to total assets | 83.6700% | 3,568 |
| Equity capital to assets | 13.5854% | 607 |
| Core capital (leverage) ratio | 9.7483% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3235% | 537 |
| Memoranda: |
| Average total assets | $786,652,250 | 1,206 |
| Average earning assets | $722,452,250 | 1,204 |
| Average equity | $72,774,000 | 1,227 |
| Average total loans | $614,748,000 | 1,017 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.9504% | 15 |
| Cost of funding earning assets | 0.0586% | 4,540 |
| Net interest margin | 10.8919% | 14 |
| Noninterest income to average assets | 5.7358% | 86 |
| Noninterest expense to average assets | 14.3187% | 51 |
| Loan and lease loss provision to assets | 0.1417% | 674 |
| Net operating income to assets | 1.0680% | 1,908 |
| Return on assets (ROA) | 1.0680% | 1,885 |
| Pretax return on assets | 1.3974% | 1,446 |
| Return on Equity (ROE) | 13.9317% | 1,127 |
| Retained earnings to average equity (ytd only) | 13.9317% | 365 |
| Net charge-offs to loans | 0.1598% | 400 |
| Credit loss provision to net charge-offs | 111.0204% | 1,221 |
| Earnings coverage of net charge-offs (x) | 12.0612% | 1,715 |
| Efficiency ratio | 90.2945% | 393 |
| Assets per employee ($millions) | 7.7133% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4728% | 4,574 |
| Loan loss allowance to noncurrent loans | 31.9737% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.6227% | 207 |
| Noncurrent loans to loans | 1.4786% | 502 |
| Net loans and leases to total assets | 82.0159% | 285 |
| Net loans and leases to deposits | 91.1826% | 650 |
| Net loans and leases to core deposits | 149.2883% | 57 |
| Total domestic deposits to total assets | 89.9468% | 1,729 |
| Equity capital to assets | 7.6519% | 3,378 |
| Core capital (leverage) ratio | 7.8714% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0323% | 1,179 |
| Memoranda: |
| Average total assets | $767,986,333 | 1,227 |
| Average earning assets | $713,707,000 | 1,229 |
| Average equity | $58,873,000 | 1,454 |
| Average total loans | $613,179,333 | 1,008 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.0928% | 15 |
| Cost of funding earning assets | 0.0587% | 4,531 |
| Net interest margin | 11.0341% | 14 |
| Noninterest income to average assets | 5.8397% | 89 |
| Noninterest expense to average assets | 14.7181% | 46 |
| Loan and lease loss provision to assets | 0.0849% | 979 |
| Net operating income to assets | 1.0156% | 1,808 |
| Return on assets (ROA) | 1.0156% | 1,803 |
| Pretax return on assets | 1.3393% | 1,412 |
| Return on Equity (ROE) | 13.2352% | 993 |
| Retained earnings to average equity (ytd only) | 13.2352% | 448 |
| Net charge-offs to loans | 0.0463% | 831 |
| Credit loss provision to net charge-offs | 233.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 39.1449% | 1,016 |
| Efficiency ratio | 91.1772% | 499 |
| Assets per employee ($millions) | 7.5617% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5205% | 4,570 |
| Loan loss allowance to noncurrent loans | 36.3519% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.3164% | 306 |
| Noncurrent loans to loans | 1.4317% | 588 |
| Net loans and leases to total assets | 76.1508% | 496 |
| Net loans and leases to deposits | 84.3803% | 862 |
| Net loans and leases to core deposits | 141.7610% | 57 |
| Total domestic deposits to total assets | 90.2471% | 1,414 |
| Equity capital to assets | 7.5343% | 3,909 |
| Core capital (leverage) ratio | 7.9545% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3173% | 854 |
| Memoranda: |
| Average total assets | $758,602,500 | 1,244 |
| Average earning assets | $708,313,000 | 1,243 |
| Average equity | $58,208,500 | 1,520 |
| Average total loans | $595,605,000 | 1,026 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.7161% | 17 |
| Cost of funding earning assets | 0.1173% | 4,252 |
| Net interest margin | 10.5989% | 15 |
| Noninterest income to average assets | 6.2765% | 92 |
| Noninterest expense to average assets | 14.5471% | 48 |
| Loan and lease loss provision to assets | 0.1301% | 942 |
| Net operating income to assets | 1.1723% | 2,017 |
| Return on assets (ROA) | 1.2245% | 1,890 |
| Pretax return on assets | 1.6120% | 1,394 |
| Return on Equity (ROE) | 16.3420% | 701 |
| Retained earnings to average equity (ytd only) | 16.3420% | 154 |
| Net charge-offs to loans | 0.1172% | 768 |
| Credit loss provision to net charge-offs | 138.8106% | 1,538 |
| Earnings coverage of net charge-offs (x) | 17.8764% | 1,923 |
| Efficiency ratio | 89.6686% | 342 |
| Assets per employee ($millions) | 8.0255% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5060% | 4,620 |
| Loan loss allowance to noncurrent loans | 130.9130% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 1,212 |
| Noncurrent loans to loans | 0.3866% | 2,200 |
| Net loans and leases to total assets | 80.1777% | 262 |
| Net loans and leases to deposits | 89.1971% | 597 |
| Net loans and leases to core deposits | 155.8362% | 47 |
| Total domestic deposits to total assets | 89.8883% | 1,008 |
| Equity capital to assets | 7.8196% | 4,460 |
| Core capital (leverage) ratio | 7.6826% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0740% | 644 |
| Memoranda: |
| Average total assets | $681,529,400 | 1,305 |
| Average earning assets | $639,597,200 | 1,304 |
| Average equity | $51,064,600 | 1,732 |
| Average total loans | $545,251,000 | 1,090 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.1994% | 18 |
| Cost of funding earning assets | 0.1324% | 4,249 |
| Net interest margin | 10.0670% | 17 |
| Noninterest income to average assets | 6.2315% | 96 |
| Noninterest expense to average assets | 14.0018% | 48 |
| Loan and lease loss provision to assets | 0.0919% | 1,300 |
| Net operating income to assets | 1.2021% | 2,163 |
| Return on assets (ROA) | 1.2731% | 1,968 |
| Pretax return on assets | 1.6759% | 1,472 |
| Return on Equity (ROE) | 17.1991% | 741 |
| Retained earnings to average equity (ytd only) | 17.1991% | 229 |
| Net charge-offs to loans | 0.0055% | 2,126 |
| Credit loss provision to net charge-offs | 2,090.9091% | 315 |
| Earnings coverage of net charge-offs (x) | 381.7273% | 366 |
| Efficiency ratio | 89.2989% | 343 |
| Assets per employee ($millions) | 7.8459% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5307% | 4,684 |
| Loan loss allowance to noncurrent loans | 103.3592% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6457% | 1,172 |
| Noncurrent loans to loans | 0.5135% | 2,020 |
| Net loans and leases to total assets | 80.4632% | 267 |
| Net loans and leases to deposits | 88.8899% | 662 |
| Net loans and leases to core deposits | 175.6212% | 41 |
| Total domestic deposits to total assets | 90.5200% | 548 |
| Equity capital to assets | 7.4894% | 4,708 |
| Core capital (leverage) ratio | 7.5169% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8165% | 712 |
| Memoranda: |
| Average total assets | $667,324,250 | 1,344 |
| Average earning assets | $626,306,500 | 1,342 |
| Average equity | $49,396,750 | 1,805 |
| Average total loans | $532,813,000 | 1,134 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.6890% | 18 |
| Cost of funding earning assets | 0.1482% | 4,219 |
| Net interest margin | 9.5408% | 16 |
| Noninterest income to average assets | 5.9927% | 98 |
| Noninterest expense to average assets | 13.3077% | 51 |
| Loan and lease loss provision to assets | 0.0939% | 1,336 |
| Net operating income to assets | 1.1830% | 2,252 |
| Return on assets (ROA) | 1.2939% | 1,956 |
| Pretax return on assets | 1.7040% | 1,469 |
| Return on Equity (ROE) | 17.5602% | 705 |
| Retained earnings to average equity (ytd only) | 17.5602% | 241 |
| Net charge-offs to loans | 0.0181% | 1,582 |
| Credit loss provision to net charge-offs | 654.3478% | 592 |
| Earnings coverage of net charge-offs (x) | 115.5435% | 683 |
| Efficiency ratio | 88.9241% | 367 |
| Assets per employee ($millions) | 8.0403% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5272% | 4,721 |
| Loan loss allowance to noncurrent loans | 86.5214% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 1,144 |
| Noncurrent loans to loans | 0.6094% | 1,881 |
| Net loans and leases to total assets | 78.6594% | 398 |
| Net loans and leases to deposits | 86.4812% | 887 |
| Net loans and leases to core deposits | 177.6068% | 46 |
| Total domestic deposits to total assets | 90.9555% | 390 |
| Equity capital to assets | 7.4088% | 4,764 |
| Core capital (leverage) ratio | 7.8890% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7684% | 556 |
| Memoranda: |
| Average total assets | $641,312,000 | 1,385 |
| Average earning assets | $603,115,000 | 1,373 |
| Average equity | $47,254,667 | 1,860 |
| Average total loans | $509,437,000 | 1,166 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.5827% | 22 |
| Cost of funding earning assets | 0.1735% | 4,134 |
| Net interest margin | 8.4092% | 19 |
| Noninterest income to average assets | 6.1651% | 103 |
| Noninterest expense to average assets | 12.8847% | 53 |
| Loan and lease loss provision to assets | 0.1000% | 1,348 |
| Net operating income to assets | 0.8091% | 3,393 |
| Return on assets (ROA) | 0.8091% | 3,467 |
| Pretax return on assets | 1.0644% | 3,205 |
| Return on Equity (ROE) | 11.0173% | 2,362 |
| Retained earnings to average equity (ytd only) | 11.0173% | 1,398 |
| Net charge-offs to loans | 0.0803% | 795 |
| Credit loss provision to net charge-offs | 156.2500% | 969 |
| Earnings coverage of net charge-offs (x) | 18.1979% | 1,281 |
| Efficiency ratio | 91.7121% | 334 |
| Assets per employee ($millions) | 7.1300% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5579% | 4,732 |
| Loan loss allowance to noncurrent loans | 77.1569% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.0223% | 800 |
| Noncurrent loans to loans | 0.7231% | 1,799 |
| Net loans and leases to total assets | 75.7183% | 652 |
| Net loans and leases to deposits | 83.2482% | 1,223 |
| Net loans and leases to core deposits | 158.7807% | 62 |
| Total domestic deposits to total assets | 90.9549% | 413 |
| Equity capital to assets | 7.4880% | 4,714 |
| Core capital (leverage) ratio | 8.4783% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1680% | 771 |
| Memoranda: |
| Average total assets | $600,153,000 | 1,450 |
| Average earning assets | $562,668,000 | 1,442 |
| Average equity | $44,076,000 | 1,949 |
| Average total loans | $478,045,500 | 1,225 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 18.7486% | 5 |
| Cost of funding earning assets | 0.3838% | 3,684 |
| Net interest margin | 18.3649% | 4 |
| Noninterest income to average assets | 4.2898% | 131 |
| Noninterest expense to average assets | 19.8721% | 38 |
| Loan and lease loss provision to assets | 0.1787% | 2,159 |
| Net operating income to assets | 0.9977% | 2,298 |
| Return on assets (ROA) | 1.0083% | 2,405 |
| Pretax return on assets | 1.4552% | 1,488 |
| Return on Equity (ROE) | 13.1900% | 995 |
| Retained earnings to average equity (ytd only) | 13.1900% | 230 |
| Net charge-offs to loans | 0.1894% | 897 |
| Credit loss provision to net charge-offs | 113.7006% | 2,696 |
| Earnings coverage of net charge-offs (x) | 10.3093% | 2,466 |
| Efficiency ratio | 92.4596% | 305 |
| Assets per employee ($millions) | 5.9035% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6124% | 4,708 |
| Loan loss allowance to noncurrent loans | 56.0901% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 684 |
| Noncurrent loans to loans | 1.0918% | 1,296 |
| Net loans and leases to total assets | 83.4730% | 204 |
| Net loans and leases to deposits | 91.3905% | 822 |
| Net loans and leases to core deposits | 164.8435% | 66 |
| Total domestic deposits to total assets | 91.3367% | 153 |
| Equity capital to assets | 7.1666% | 4,896 |
| Core capital (leverage) ratio | 7.2496% | 4,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7677% | 1,609 |
| Memoranda: |
| Average total assets | $450,374,600 | 1,699 |
| Average earning assets | $421,882,000 | 1,686 |
| Average equity | $34,427,600 | 2,258 |
| Average total loans | $373,849,200 | 1,435 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 19.8649% | 4 |
| Cost of funding earning assets | 0.4356% | 3,607 |
| Net interest margin | 19.4292% | 4 |
| Noninterest income to average assets | 3.5038% | 151 |
| Noninterest expense to average assets | 20.0289% | 38 |
| Loan and lease loss provision to assets | 0.1848% | 2,137 |
| Net operating income to assets | 1.0055% | 2,320 |
| Return on assets (ROA) | 1.0202% | 2,388 |
| Pretax return on assets | 1.5228% | 1,399 |
| Return on Equity (ROE) | 13.0898% | 1,080 |
| Retained earnings to average equity (ytd only) | 13.0898% | 322 |
| Net charge-offs to loans | 0.0681% | 1,640 |
| Credit loss provision to net charge-offs | 328.1768% | 1,674 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,583 |
| Efficiency ratio | 92.2233% | 306 |
| Assets per employee ($millions) | 5.5435% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7037% | 4,579 |
| Loan loss allowance to noncurrent loans | 41.4257% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.8550% | 395 |
| Noncurrent loans to loans | 1.6987% | 807 |
| Net loans and leases to total assets | 88.0907% | 76 |
| Net loans and leases to deposits | 96.5710% | 716 |
| Net loans and leases to core deposits | 165.1027% | 71 |
| Total domestic deposits to total assets | 91.2186% | 132 |
| Equity capital to assets | 7.1427% | 4,929 |
| Core capital (leverage) ratio | 7.6098% | 4,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4382% | 2,022 |
| Memoranda: |
| Average total assets | $428,663,750 | 1,751 |
| Average earning assets | $401,852,000 | 1,737 |
| Average equity | $33,409,500 | 2,309 |
| Average total loans | $354,512,750 | 1,489 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 21.2324% | 4 |
| Cost of funding earning assets | 0.4968% | 3,551 |
| Net interest margin | 20.7355% | 3 |
| Noninterest income to average assets | 2.8632% | 173 |
| Noninterest expense to average assets | 20.3623% | 38 |
| Loan and lease loss provision to assets | 0.1852% | 2,173 |
| Net operating income to assets | 1.1187% | 1,904 |
| Return on assets (ROA) | 1.1187% | 2,023 |
| Pretax return on assets | 1.7529% | 886 |
| Return on Equity (ROE) | 13.8844% | 907 |
| Retained earnings to average equity (ytd only) | 13.8844% | 286 |
| Net charge-offs to loans | 0.1089% | 1,203 |
| Credit loss provision to net charge-offs | 211.7978% | 1,864 |
| Earnings coverage of net charge-offs (x) | 22.1629% | 1,636 |
| Efficiency ratio | 91.3090% | 361 |
| Assets per employee ($millions) | 5.0669% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7893% | 4,363 |
| Loan loss allowance to noncurrent loans | 76.8159% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 846 |
| Noncurrent loans to loans | 1.0275% | 1,516 |
| Net loans and leases to total assets | 78.9961% | 723 |
| Net loans and leases to deposits | 86.7463% | 1,691 |
| Net loans and leases to core deposits | 135.1092% | 207 |
| Total domestic deposits to total assets | 91.0658% | 137 |
| Equity capital to assets | 7.5014% | 4,873 |
| Core capital (leverage) ratio | 7.6986% | 4,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1290% | 1,750 |
| Memoranda: |
| Average total assets | $407,095,000 | 1,790 |
| Average earning assets | $381,605,667 | 1,780 |
| Average equity | $32,799,333 | 2,327 |
| Average total loans | $326,786,000 | 1,564 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 25.4504% | 3 |
| Cost of funding earning assets | 0.5990% | 3,444 |
| Net interest margin | 24.8514% | 1 |
| Noninterest income to average assets | 2.7159% | 172 |
| Noninterest expense to average assets | 23.9510% | 35 |
| Loan and lease loss provision to assets | 0.1788% | 1,664 |
| Net operating income to assets | 0.9105% | 2,488 |
| Return on assets (ROA) | 0.9105% | 2,595 |
| Pretax return on assets | 1.7918% | 713 |
| Return on Equity (ROE) | 10.8553% | 1,455 |
| Retained earnings to average equity (ytd only) | 10.8553% | 587 |
| Net charge-offs to loans | -0.0363% | 4,532 |
| Credit loss provision to net charge-offs | -610.7143% | 3,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3980% | 415 |
| Assets per employee ($millions) | 4.8401% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9190% | 4,040 |
| Loan loss allowance to noncurrent loans | 57.2085% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.7683% | 530 |
| Noncurrent loans to loans | 1.6064% | 967 |
| Net loans and leases to total assets | 75.0797% | 1,447 |
| Net loans and leases to deposits | 83.5162% | 2,283 |
| Net loans and leases to core deposits | 118.5563% | 513 |
| Total domestic deposits to total assets | 89.8983% | 354 |
| Equity capital to assets | 7.9775% | 4,973 |
| Core capital (leverage) ratio | 8.6362% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2724% | 2,164 |
| Memoranda: |
| Average total assets | $382,632,000 | 1,831 |
| Average earning assets | $357,291,500 | 1,821 |
| Average equity | $32,095,000 | 2,350 |
| Average total loans | $308,626,500 | 1,602 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 15.4450% | 9 |
| Cost of funding earning assets | 0.7604% | 2,871 |
| Net interest margin | 14.6845% | 7 |
| Noninterest income to average assets | 1.9987% | 260 |
| Noninterest expense to average assets | 13.6876% | 49 |
| Loan and lease loss provision to assets | 0.7505% | 142 |
| Net operating income to assets | 1.1689% | 2,181 |
| Return on assets (ROA) | 1.1689% | 2,280 |
| Pretax return on assets | 1.1720% | 2,942 |
| Return on Equity (ROE) | 13.4537% | 1,031 |
| Retained earnings to average equity (ytd only) | 13.4537% | 143 |
| Net charge-offs to loans | 0.8710% | 187 |
| Credit loss provision to net charge-offs | 99.1042% | 2,517 |
| Earnings coverage of net charge-offs (x) | 2.5387% | 3,405 |
| Efficiency ratio | 87.6842% | 456 |
| Assets per employee ($millions) | 4.5366% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8730% | 4,071 |
| Loan loss allowance to noncurrent loans | 84.3987% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 656 |
| Noncurrent loans to loans | 1.0344% | 1,464 |
| Net loans and leases to total assets | 85.5820% | 194 |
| Net loans and leases to deposits | 94.9731% | 1,056 |
| Net loans and leases to core deposits | 137.2631% | 196 |
| Total domestic deposits to total assets | 90.1118% | 293 |
| Equity capital to assets | 8.8652% | 4,759 |
| Core capital (leverage) ratio | 8.8813% | 4,615 |
| Tier 1 risk-based capital ratio | 12.8954% | 3,845 |
| Total risk-based capital ratio | 13.9920% | 3,817 |
| Memoranda: |
| Average total assets | $324,315,400 | 2,013 |
| Average earning assets | $300,616,000 | 2,020 |
| Average equity | $28,178,200 | 2,485 |
| Average total loans | $281,986,200 | 1,681 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.0743% | 19 |
| Cost of funding earning assets | 0.7788% | 2,824 |
| Net interest margin | 11.2955% | 16 |
| Noninterest income to average assets | 1.5637% | 374 |
| Noninterest expense to average assets | 10.1177% | 70 |
| Loan and lease loss provision to assets | 0.8620% | 115 |
| Net operating income to assets | 1.0437% | 2,804 |
| Return on assets (ROA) | 1.0437% | 2,894 |
| Pretax return on assets | 1.0479% | 3,451 |
| Return on Equity (ROE) | 12.0814% | 1,592 |
| Retained earnings to average equity (ytd only) | 12.0814% | 374 |
| Net charge-offs to loans | 0.8571% | 178 |
| Credit loss provision to net charge-offs | 115.4366% | 2,017 |
| Earnings coverage of net charge-offs (x) | 2.5577% | 3,184 |
| Efficiency ratio | 84.1203% | 611 |
| Assets per employee ($millions) | 4.5737% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9898% | 3,627 |
| Loan loss allowance to noncurrent loans | 55.1378% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 2.1413% | 386 |
| Noncurrent loans to loans | 1.7951% | 797 |
| Net loans and leases to total assets | 83.0550% | 446 |
| Net loans and leases to deposits | 92.2386% | 1,409 |
| Net loans and leases to core deposits | 136.5636% | 219 |
| Total domestic deposits to total assets | 90.0437% | 276 |
| Equity capital to assets | 8.1466% | 5,101 |
| Core capital (leverage) ratio | 8.5286% | 4,937 |
| Tier 1 risk-based capital ratio | 12.1919% | 4,317 |
| Total risk-based capital ratio | 13.4349% | 4,206 |
| Memoranda: |
| Average total assets | $316,930,000 | 2,069 |
| Average earning assets | $293,596,000 | 2,078 |
| Average equity | $27,380,250 | 2,550 |
| Average total loans | $276,106,500 | 1,718 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.8661% | 34 |
| Cost of funding earning assets | 0.7960% | 2,662 |
| Net interest margin | 8.0700% | 29 |
| Noninterest income to average assets | 1.5195% | 394 |
| Noninterest expense to average assets | 6.9671% | 113 |
| Loan and lease loss provision to assets | 1.1908% | 76 |
| Net operating income to assets | 0.8266% | 3,557 |
| Return on assets (ROA) | 0.8266% | 3,617 |
| Pretax return on assets | 0.8332% | 4,016 |
| Return on Equity (ROE) | 9.3589% | 2,701 |
| Retained earnings to average equity (ytd only) | 9.3589% | 945 |
| Net charge-offs to loans | 1.1431% | 116 |
| Credit loss provision to net charge-offs | 117.8618% | 1,765 |
| Earnings coverage of net charge-offs (x) | 2.0033% | 2,975 |
| Efficiency ratio | 77.4888% | 1,218 |
| Assets per employee ($millions) | 4.7752% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0330% | 3,429 |
| Loan loss allowance to noncurrent loans | 62.3842% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.1705% | 394 |
| Noncurrent loans to loans | 1.6559% | 927 |
| Net loans and leases to total assets | 84.8968% | 296 |
| Net loans and leases to deposits | 94.0543% | 1,256 |
| Net loans and leases to core deposits | 139.2702% | 201 |
| Total domestic deposits to total assets | 90.2636% | 255 |
| Equity capital to assets | 8.0225% | 5,170 |
| Core capital (leverage) ratio | 8.6786% | 4,862 |
| Tier 1 risk-based capital ratio | 11.3216% | 4,780 |
| Total risk-based capital ratio | 12.5712% | 4,672 |
| Memoranda: |
| Average total assets | $303,657,000 | 2,167 |
| Average earning assets | $281,139,000 | 2,160 |
| Average equity | $26,819,330 | 2,579 |
| Average total loans | $268,388,670 | 1,759 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8907% | 76 |
| Cost of funding earning assets | 0.8565% | 2,238 |
| Net interest margin | 6.0343% | 67 |
| Noninterest income to average assets | 1.5120% | 381 |
| Noninterest expense to average assets | 5.4655% | 167 |
| Loan and lease loss provision to assets | 0.2289% | 671 |
| Net operating income to assets | 1.4080% | 1,353 |
| Return on assets (ROA) | 1.4080% | 1,379 |
| Pretax return on assets | 1.4080% | 2,054 |
| Return on Equity (ROE) | 15.1374% | 724 |
| Retained earnings to average equity (ytd only) | 15.1374% | 270 |
| Net charge-offs to loans | 0.4799% | 315 |
| Credit loss provision to net charge-offs | 53.0547% | 1,956 |
| Earnings coverage of net charge-offs (x) | 3.7942% | 2,377 |
| Efficiency ratio | 76.9531% | 1,381 |
| Assets per employee ($millions) | 4.6336% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9407% | 3,993 |
| Loan loss allowance to noncurrent loans | 63.9819% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.5019% | 798 |
| Noncurrent loans to loans | 1.4702% | 1,101 |
| Net loans and leases to total assets | 87.5340% | 118 |
| Net loans and leases to deposits | 97.6187% | 828 |
| Net loans and leases to core deposits | 141.4574% | 176 |
| Total domestic deposits to total assets | 89.6693% | 572 |
| Equity capital to assets | 8.9580% | 4,714 |
| Core capital (leverage) ratio | 9.5955% | 4,030 |
| Tier 1 risk-based capital ratio | 11.5121% | 4,737 |
| Total risk-based capital ratio | 12.5787% | 4,729 |
| Memoranda: |
| Average total assets | $288,355,000 | 2,259 |
| Average earning assets | $267,141,000 | 2,260 |
| Average equity | $26,821,000 | 2,584 |
| Average total loans | $259,213,500 | 1,811 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1749% | 130 |
| Cost of funding earning assets | 0.8355% | 1,358 |
| Net interest margin | 5.3394% | 148 |
| Noninterest income to average assets | 1.8260% | 305 |
| Noninterest expense to average assets | 4.7353% | 251 |
| Loan and lease loss provision to assets | 0.2803% | 591 |
| Net operating income to assets | 1.7043% | 691 |
| Return on assets (ROA) | 1.7043% | 680 |
| Pretax return on assets | 1.7173% | 1,121 |
| Return on Equity (ROE) | 17.4104% | 447 |
| Retained earnings to average equity (ytd only) | 17.4104% | 63 |
| Net charge-offs to loans | 0.0088% | 3,376 |
| Credit loss provision to net charge-offs | 3,636.8421% | 141 |
| Earnings coverage of net charge-offs (x) | 259.2105% | 369 |
| Efficiency ratio | 70.3313% | 2,131 |
| Assets per employee ($millions) | 4.2327% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0830% | 3,208 |
| Loan loss allowance to noncurrent loans | 72.0257% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.4035% | 866 |
| Noncurrent loans to loans | 1.5037% | 1,011 |
| Net loans and leases to total assets | 90.6273% | 52 |
| Net loans and leases to deposits | 107.9580% | 309 |
| Net loans and leases to core deposits | 151.6977% | 129 |
| Total domestic deposits to total assets | 83.9468% | 3,015 |
| Equity capital to assets | 9.6891% | 3,966 |
| Core capital (leverage) ratio | 9.9431% | 3,658 |
| Tier 1 risk-based capital ratio | 11.4350% | 4,751 |
| Total risk-based capital ratio | 12.6030% | 4,699 |
| Memoranda: |
| Average total assets | $246,552,200 | 2,493 |
| Average earning assets | $226,580,000 | 2,507 |
| Average equity | $24,135,000 | 2,712 |
| Average total loans | $215,580,000 | 2,063 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9506% | 166 |
| Cost of funding earning assets | 0.8075% | 1,299 |
| Net interest margin | 5.1431% | 200 |
| Noninterest income to average assets | 1.8713% | 305 |
| Noninterest expense to average assets | 4.4024% | 320 |
| Loan and lease loss provision to assets | 0.2878% | 520 |
| Net operating income to assets | 1.8813% | 508 |
| Return on assets (ROA) | 1.8813% | 509 |
| Pretax return on assets | 1.8990% | 819 |
| Return on Equity (ROE) | 19.1633% | 324 |
| Retained earnings to average equity (ytd only) | 19.1633% | 66 |
| Net charge-offs to loans | 0.0077% | 3,141 |
| Credit loss provision to net charge-offs | 4,325.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 328.6588% | 287 |
| Efficiency ratio | 66.8125% | 2,750 |
| Assets per employee ($millions) | 4.6820% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0752% | 3,321 |
| Loan loss allowance to noncurrent loans | 268.9765% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,214 |
| Noncurrent loans to loans | 0.3997% | 3,222 |
| Net loans and leases to total assets | 90.1445% | 70 |
| Net loans and leases to deposits | 104.8696% | 492 |
| Net loans and leases to core deposits | 138.3655% | 223 |
| Total domestic deposits to total assets | 85.9587% | 2,220 |
| Equity capital to assets | 9.4054% | 4,175 |
| Core capital (leverage) ratio | 9.6323% | 4,011 |
| Tier 1 risk-based capital ratio | 10.9158% | 5,076 |
| Total risk-based capital ratio | 12.0484% | 5,029 |
| Memoranda: |
| Average total assets | $240,467,000 | 2,552 |
| Average earning assets | $220,588,500 | 2,571 |
| Average equity | $23,607,000 | 2,775 |
| Average total loans | $207,427,250 | 2,123 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7020% | 234 |
| Cost of funding earning assets | 0.7921% | 1,160 |
| Net interest margin | 4.9099% | 293 |
| Noninterest income to average assets | 1.8800% | 298 |
| Noninterest expense to average assets | 4.3171% | 352 |
| Loan and lease loss provision to assets | 0.3407% | 392 |
| Net operating income to assets | 1.6884% | 740 |
| Return on assets (ROA) | 1.6884% | 748 |
| Pretax return on assets | 1.7156% | 1,180 |
| Return on Equity (ROE) | 16.9382% | 533 |
| Retained earnings to average equity (ytd only) | 16.9382% | 126 |
| Net charge-offs to loans | 0.0040% | 3,034 |
| Credit loss provision to net charge-offs | 10,000.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 603.5000% | 139 |
| Efficiency ratio | 67.7359% | 2,690 |
| Assets per employee ($millions) | 4.5183% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0769% | 3,401 |
| Loan loss allowance to noncurrent loans | 453.1955% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 3,952 |
| Noncurrent loans to loans | 0.2376% | 3,859 |
| Net loans and leases to total assets | 87.5301% | 166 |
| Net loans and leases to deposits | 103.3250% | 566 |
| Net loans and leases to core deposits | 127.6419% | 376 |
| Total domestic deposits to total assets | 84.7134% | 2,791 |
| Equity capital to assets | 9.1556% | 4,426 |
| Core capital (leverage) ratio | 9.5499% | 4,064 |
| Tier 1 risk-based capital ratio | 10.5064% | 5,266 |
| Total risk-based capital ratio | 11.5958% | 5,238 |
| Memoranda: |
| Average total assets | $234,785,330 | 2,601 |
| Average earning assets | $214,870,330 | 2,625 |
| Average equity | $23,402,670 | 2,803 |
| Average total loans | $198,351,000 | 2,204 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3994% | 334 |
| Cost of funding earning assets | 0.8028% | 940 |
| Net interest margin | 4.5966% | 503 |
| Noninterest income to average assets | 2.0225% | 267 |
| Noninterest expense to average assets | 4.3126% | 350 |
| Loan and lease loss provision to assets | 0.2925% | 450 |
| Net operating income to assets | 1.5988% | 863 |
| Return on assets (ROA) | 1.5988% | 863 |
| Pretax return on assets | 1.5988% | 1,398 |
| Return on Equity (ROE) | 15.3395% | 743 |
| Retained earnings to average equity (ytd only) | 15.3395% | 302 |
| Net charge-offs to loans | 0.0065% | 2,501 |
| Credit loss provision to net charge-offs | 5,500.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 355.6667% | 191 |
| Efficiency ratio | 69.5143% | 2,572 |
| Assets per employee ($millions) | 4.6896% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1266% | 3,222 |
| Loan loss allowance to noncurrent loans | 142.8197% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 2,404 |
| Noncurrent loans to loans | 0.7888% | 2,240 |
| Net loans and leases to total assets | 79.9214% | 945 |
| Net loans and leases to deposits | 90.3897% | 1,645 |
| Net loans and leases to core deposits | 101.8999% | 1,539 |
| Total domestic deposits to total assets | 88.4187% | 1,400 |
| Equity capital to assets | 9.9971% | 3,596 |
| Core capital (leverage) ratio | 10.3116% | 3,178 |
| Tier 1 risk-based capital ratio | 11.4435% | 4,886 |
| Total risk-based capital ratio | 12.4828% | 4,909 |
| Memoranda: |
| Average total assets | $225,665,000 | 2,700 |
| Average earning assets | $205,281,500 | 2,736 |
| Average equity | $23,521,000 | 2,819 |
| Average total loans | $185,584,000 | 2,318 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5678% | 239 |
| Cost of funding earning assets | 0.7669% | 750 |
| Net interest margin | 4.8009% | 353 |
| Noninterest income to average assets | 2.1898% | 258 |
| Noninterest expense to average assets | 4.6236% | 285 |
| Loan and lease loss provision to assets | 0.2061% | 993 |
| Net operating income to assets | 1.6699% | 562 |
| Return on assets (ROA) | 1.6699% | 578 |
| Pretax return on assets | 1.6801% | 1,057 |
| Return on Equity (ROE) | 14.9112% | 619 |
| Retained earnings to average equity (ytd only) | 14.9112% | 83 |
| Net charge-offs to loans | 0.0055% | 3,891 |
| Credit loss provision to net charge-offs | 4,466.6667% | 90 |
| Earnings coverage of net charge-offs (x) | 408.7778% | 212 |
| Efficiency ratio | 71.0247% | 2,396 |
| Assets per employee ($millions) | 4.1600% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1336% | 3,160 |
| Loan loss allowance to noncurrent loans | 154.2464% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 2.3006% | 431 |
| Noncurrent loans to loans | 0.7349% | 2,372 |
| Net loans and leases to total assets | 82.8742% | 578 |
| Net loans and leases to deposits | 97.6974% | 923 |
| Net loans and leases to core deposits | 112.0346% | 896 |
| Total domestic deposits to total assets | 84.8275% | 2,902 |
| Equity capital to assets | 10.9031% | 2,727 |
| Core capital (leverage) ratio | 11.0316% | 2,309 |
| Tier 1 risk-based capital ratio | 11.8103% | 4,653 |
| Total risk-based capital ratio | 12.8379% | 4,686 |
| Memoranda: |
| Average total assets | $195,044,400 | 2,971 |
| Average earning assets | $175,507,800 | 3,006 |
| Average equity | $21,842,600 | 2,967 |
| Average total loans | $164,279,200 | 2,494 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5513% | 239 |
| Cost of funding earning assets | 0.7432% | 781 |
| Net interest margin | 4.8081% | 324 |
| Noninterest income to average assets | 2.1597% | 280 |
| Noninterest expense to average assets | 4.5828% | 298 |
| Loan and lease loss provision to assets | 0.2390% | 742 |
| Net operating income to assets | 1.6697% | 620 |
| Return on assets (ROA) | 1.6697% | 634 |
| Pretax return on assets | 1.6697% | 1,195 |
| Return on Equity (ROE) | 14.8012% | 677 |
| Retained earnings to average equity (ytd only) | 14.8012% | 122 |
| Net charge-offs to loans | 0.0199% | 3,094 |
| Credit loss provision to net charge-offs | 1,425.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 113.7888% | 643 |
| Efficiency ratio | 70.5965% | 2,435 |
| Assets per employee ($millions) | 4.3772% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1092% | 3,437 |
| Loan loss allowance to noncurrent loans | 39.2677% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 2.4027% | 472 |
| Noncurrent loans to loans | 2.8246% | 478 |
| Net loans and leases to total assets | 84.1189% | 425 |
| Net loans and leases to deposits | 96.8091% | 1,025 |
| Net loans and leases to core deposits | 111.1177% | 969 |
| Total domestic deposits to total assets | 86.8915% | 1,908 |
| Equity capital to assets | 11.0208% | 2,845 |
| Core capital (leverage) ratio | 11.4634% | 2,046 |
| Tier 1 risk-based capital ratio | 11.7869% | 4,780 |
| Total risk-based capital ratio | 12.7951% | 4,817 |
| Memoranda: |
| Average total assets | $190,765,500 | 3,041 |
| Average earning assets | $171,870,500 | 3,073 |
| Average equity | $21,520,250 | 3,017 |
| Average total loans | $160,888,500 | 2,554 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6267% | 203 |
| Cost of funding earning assets | 0.7300% | 760 |
| Net interest margin | 4.8967% | 263 |
| Noninterest income to average assets | 2.1876% | 280 |
| Noninterest expense to average assets | 4.7573% | 261 |
| Loan and lease loss provision to assets | 0.3036% | 503 |
| Net operating income to assets | 1.5244% | 825 |
| Return on assets (ROA) | 1.5244% | 846 |
| Pretax return on assets | 1.5244% | 1,558 |
| Return on Equity (ROE) | 13.3989% | 949 |
| Retained earnings to average equity (ytd only) | 13.3989% | 228 |
| Net charge-offs to loans | -0.0448% | 5,126 |
| Credit loss provision to net charge-offs | -805.7143% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2413% | 2,296 |
| Assets per employee ($millions) | 4.1023% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1941% | 3,054 |
| Loan loss allowance to noncurrent loans | 352.0871% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 3,962 |
| Noncurrent loans to loans | 0.3392% | 3,830 |
| Net loans and leases to total assets | 85.0635% | 341 |
| Net loans and leases to deposits | 99.8836% | 749 |
| Net loans and leases to core deposits | 110.7685% | 966 |
| Total domestic deposits to total assets | 85.1626% | 2,748 |
| Equity capital to assets | 11.5514% | 2,279 |
| Core capital (leverage) ratio | 11.5965% | 1,900 |
| Tier 1 risk-based capital ratio | 12.3038% | 4,422 |
| Total risk-based capital ratio | 13.3981% | 4,413 |
| Memoranda: |
| Average total assets | $185,777,670 | 3,096 |
| Average earning assets | $166,847,000 | 3,153 |
| Average equity | $21,136,000 | 3,053 |
| Average total loans | $156,185,330 | 2,614 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4515% | 251 |
| Cost of funding earning assets | 0.7256% | 740 |
| Net interest margin | 4.7259% | 359 |
| Noninterest income to average assets | 2.0899% | 296 |
| Noninterest expense to average assets | 4.8417% | 261 |
| Loan and lease loss provision to assets | 0.2452% | 624 |
| Net operating income to assets | 1.2435% | 1,397 |
| Return on assets (ROA) | 1.2435% | 1,434 |
| Pretax return on assets | 1.2435% | 2,434 |
| Return on Equity (ROE) | 11.0166% | 1,563 |
| Retained earnings to average equity (ytd only) | 11.0166% | 603 |
| Net charge-offs to loans | -0.0810% | 5,377 |
| Credit loss provision to net charge-offs | -364.5161% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4827% | 1,837 |
| Assets per employee ($millions) | 4.0948% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1261% | 3,541 |
| Loan loss allowance to noncurrent loans | 87.9542% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 1,734 |
| Noncurrent loans to loans | 1.2803% | 1,574 |
| Net loans and leases to total assets | 80.6138% | 749 |
| Net loans and leases to deposits | 92.5262% | 1,267 |
| Net loans and leases to core deposits | 101.9718% | 1,368 |
| Total domestic deposits to total assets | 87.1254% | 2,147 |
| Equity capital to assets | 10.9308% | 2,709 |
| Core capital (leverage) ratio | 11.2256% | 2,166 |
| Tier 1 risk-based capital ratio | 12.0261% | 4,698 |
| Total risk-based capital ratio | 13.0353% | 4,768 |
| Memoranda: |
| Average total assets | $184,314,000 | 3,140 |
| Average earning assets | $165,385,000 | 3,202 |
| Average equity | $20,805,000 | 3,094 |
| Average total loans | $153,048,500 | 2,660 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5430% | 235 |
| Cost of funding earning assets | 0.7478% | 644 |
| Net interest margin | 4.7953% | 353 |
| Noninterest income to average assets | 2.1540% | 309 |
| Noninterest expense to average assets | 5.6606% | 191 |
| Loan and lease loss provision to assets | 0.5077% | 271 |
| Net operating income to assets | 0.2532% | 5,314 |
| Return on assets (ROA) | 0.3066% | 5,270 |
| Pretax return on assets | 0.2778% | 5,394 |
| Return on Equity (ROE) | 3.4630% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.4630% | 3,464 |
| Net charge-offs to loans | 0.6967% | 313 |
| Credit loss provision to net charge-offs | 87.8981% | 2,842 |
| Earnings coverage of net charge-offs (x) | 1.2675% | 4,011 |
| Efficiency ratio | 88.5479% | 636 |
| Assets per employee ($millions) | 3.7483% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0879% | 3,776 |
| Loan loss allowance to noncurrent loans | 90.4178% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 1,687 |
| Noncurrent loans to loans | 1.2032% | 1,713 |
| Net loans and leases to total assets | 83.7596% | 408 |
| Net loans and leases to deposits | 97.2870% | 883 |
| Net loans and leases to core deposits | 108.0867% | 1,017 |
| Total domestic deposits to total assets | 86.0954% | 2,538 |
| Equity capital to assets | 11.6778% | 2,021 |
| Core capital (leverage) ratio | 11.9791% | 1,614 |
| Tier 1 risk-based capital ratio | 12.5893% | 4,331 |
| Total risk-based capital ratio | 13.5813% | 4,376 |
| Memoranda: |
| Average total assets | $163,091,200 | 3,361 |
| Average earning assets | $144,163,400 | 3,442 |
| Average equity | $14,438,200 | 3,881 |
| Average total loans | $135,200,000 | 2,842 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5191% | 238 |
| Cost of funding earning assets | 0.7684% | 582 |
| Net interest margin | 4.7507% | 397 |
| Noninterest income to average assets | 2.1916% | 312 |
| Noninterest expense to average assets | 5.7930% | 183 |
| Loan and lease loss provision to assets | 0.5272% | 231 |
| Net operating income to assets | 0.0984% | 5,626 |
| Return on assets (ROA) | 0.0984% | 5,675 |
| Pretax return on assets | 0.0592% | 5,705 |
| Return on Equity (ROE) | 1.2192% | 5,621 |
| Retained earnings to average equity (ytd only) | 1.2192% | 5,023 |
| Net charge-offs to loans | 0.9222% | 191 |
| Credit loss provision to net charge-offs | 69.3743% | 2,804 |
| Earnings coverage of net charge-offs (x) | 0.7717% | 3,761 |
| Efficiency ratio | 90.8069% | 525 |
| Assets per employee ($millions) | 3.5187% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0294% | 4,251 |
| Loan loss allowance to noncurrent loans | 51.2667% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.6827% | 1,013 |
| Noncurrent loans to loans | 2.0079% | 972 |
| Net loans and leases to total assets | 82.9413% | 516 |
| Net loans and leases to deposits | 97.1706% | 938 |
| Net loans and leases to core deposits | 104.6824% | 1,294 |
| Total domestic deposits to total assets | 85.3563% | 2,657 |
| Equity capital to assets | 7.6134% | 5,828 |
| Core capital (leverage) ratio | 7.7226% | 5,782 |
| Tier 1 risk-based capital ratio | 8.1646% | 5,939 |
| Total risk-based capital ratio | 9.1001% | 5,942 |
| Memoranda: |
| Average total assets | $159,821,000 | 3,416 |
| Average earning assets | $140,888,750 | 3,507 |
| Average equity | $12,904,500 | 4,138 |
| Average total loans | $131,704,000 | 2,906 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5575% | 233 |
| Cost of funding earning assets | 0.7740% | 556 |
| Net interest margin | 4.7834% | 381 |
| Noninterest income to average assets | 2.3024% | 284 |
| Noninterest expense to average assets | 5.8471% | 179 |
| Loan and lease loss provision to assets | 0.0867% | 2,410 |
| Net operating income to assets | 0.6378% | 4,108 |
| Return on assets (ROA) | 0.6378% | 4,251 |
| Pretax return on assets | 0.5778% | 4,948 |
| Return on Equity (ROE) | 7.7401% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.7401% | 1,271 |
| Net charge-offs to loans | 1.4141% | 108 |
| Credit loss provision to net charge-offs | 7.4890% | 3,013 |
| Earnings coverage of net charge-offs (x) | 0.5738% | 3,509 |
| Efficiency ratio | 89.7943% | 614 |
| Assets per employee ($millions) | 3.4790% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6652% | 5,584 |
| Loan loss allowance to noncurrent loans | 42.5118% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2971% | 1,558 |
| Noncurrent loans to loans | 1.5648% | 1,375 |
| Net loans and leases to total assets | 81.9171% | 637 |
| Net loans and leases to deposits | 98.3400% | 854 |
| Net loans and leases to core deposits | 106.3773% | 1,145 |
| Total domestic deposits to total assets | 83.2999% | 3,544 |
| Equity capital to assets | 8.0849% | 5,777 |
| Core capital (leverage) ratio | 8.2478% | 5,575 |
| Tier 1 risk-based capital ratio | 8.8513% | 6,004 |
| Total risk-based capital ratio | 9.4575% | 6,013 |
| Memoranda: |
| Average total assets | $156,795,000 | 3,465 |
| Average earning assets | $137,976,330 | 3,565 |
| Average equity | $12,919,670 | 4,158 |
| Average total loans | $128,424,000 | 2,960 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3411% | 330 |
| Cost of funding earning assets | 0.7909% | 507 |
| Net interest margin | 4.5502% | 553 |
| Noninterest income to average assets | 2.3202% | 280 |
| Noninterest expense to average assets | 5.6832% | 196 |
| Loan and lease loss provision to assets | 0.0886% | 2,205 |
| Net operating income to assets | 0.5527% | 4,409 |
| Return on assets (ROA) | 0.5527% | 4,509 |
| Pretax return on assets | 0.5527% | 4,948 |
| Return on Equity (ROE) | 6.6408% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.6408% | 2,065 |
| Net charge-offs to loans | 2.9677% | 34 |
| Credit loss provision to net charge-offs | 3.6598% | 2,407 |
| Earnings coverage of net charge-offs (x) | 0.2648% | 2,948 |
| Efficiency ratio | 89.8599% | 680 |
| Assets per employee ($millions) | 3.3721% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6728% | 5,644 |
| Loan loss allowance to noncurrent loans | 63.7670% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 2,100 |
| Noncurrent loans to loans | 1.0551% | 2,285 |
| Net loans and leases to total assets | 80.2312% | 781 |
| Net loans and leases to deposits | 88.6891% | 1,735 |
| Net loans and leases to core deposits | 95.9124% | 1,810 |
| Total domestic deposits to total assets | 90.4634% | 442 |
| Equity capital to assets | 8.3162% | 5,689 |
| Core capital (leverage) ratio | 8.3388% | 5,530 |
| Tier 1 risk-based capital ratio | 9.2478% | 6,041 |
| Total risk-based capital ratio | 9.8564% | 6,065 |
| Memoranda: |
| Average total assets | $153,435,500 | 3,529 |
| Average earning assets | $135,028,500 | 3,633 |
| Average equity | $12,769,500 | 4,198 |
| Average total loans | $125,214,500 | 3,010 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5030% | 260 |
| Cost of funding earning assets | 0.7895% | 520 |
| Net interest margin | 4.7134% | 439 |
| Noninterest income to average assets | 2.5862% | 253 |
| Noninterest expense to average assets | 6.1220% | 172 |
| Loan and lease loss provision to assets | 0.3016% | 569 |
| Net operating income to assets | 0.3584% | 5,188 |
| Return on assets (ROA) | 0.3779% | 5,203 |
| Pretax return on assets | 0.3815% | 5,357 |
| Return on Equity (ROE) | 4.1776% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.1776% | 3,014 |
| Net charge-offs to loans | 0.3348% | 889 |
| Credit loss provision to net charge-offs | 109.4987% | 2,303 |
| Earnings coverage of net charge-offs (x) | 2.4090% | 3,914 |
| Efficiency ratio | 90.2227% | 678 |
| Assets per employee ($millions) | 3.2990% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3881% | 2,485 |
| Loan loss allowance to noncurrent loans | 37.2667% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 3.3060% | 373 |
| Noncurrent loans to loans | 3.7248% | 350 |
| Net loans and leases to total assets | 81.3137% | 665 |
| Net loans and leases to deposits | 91.9473% | 1,408 |
| Net loans and leases to core deposits | 99.6874% | 1,528 |
| Total domestic deposits to total assets | 88.4352% | 1,412 |
| Equity capital to assets | 8.3287% | 5,683 |
| Core capital (leverage) ratio | 8.6059% | 5,324 |
| Tier 1 risk-based capital ratio | 9.2531% | 6,079 |
| Total risk-based capital ratio | 10.5032% | 6,077 |
| Memoranda: |
| Average total assets | $137,617,600 | 3,758 |
| Average earning assets | $122,606,600 | 3,828 |
| Average equity | $12,447,400 | 4,226 |
| Average total loans | $113,203,600 | 3,148 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4108% | 311 |
| Cost of funding earning assets | 0.7895% | 524 |
| Net interest margin | 4.6213% | 526 |
| Noninterest income to average assets | 2.5377% | 260 |
| Noninterest expense to average assets | 5.8529% | 187 |
| Loan and lease loss provision to assets | 0.4107% | 288 |
| Net operating income to assets | 0.3968% | 5,174 |
| Return on assets (ROA) | 0.3968% | 5,267 |
| Pretax return on assets | 0.4007% | 5,464 |
| Return on Equity (ROE) | 4.2904% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.2904% | 3,415 |
| Net charge-offs to loans | 0.3193% | 835 |
| Credit loss provision to net charge-offs | 156.4394% | 1,627 |
| Earnings coverage of net charge-offs (x) | 3.0909% | 3,558 |
| Efficiency ratio | 87.8245% | 854 |
| Assets per employee ($millions) | 3.0722% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6168% | 1,728 |
| Loan loss allowance to noncurrent loans | 30.1613% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 4.4954% | 244 |
| Noncurrent loans to loans | 5.3607% | 176 |
| Net loans and leases to total assets | 79.6987% | 859 |
| Net loans and leases to deposits | 90.3136% | 1,599 |
| Net loans and leases to core deposits | 93.0519% | 2,167 |
| Total domestic deposits to total assets | 88.2466% | 1,427 |
| Equity capital to assets | 8.9173% | 5,381 |
| Core capital (leverage) ratio | 9.1478% | 4,810 |
| Tier 1 risk-based capital ratio | 10.1769% | 5,987 |
| Total risk-based capital ratio | 11.4296% | 5,931 |
| Memoranda: |
| Average total assets | $134,083,750 | 3,858 |
| Average earning assets | $119,732,750 | 3,924 |
| Average equity | $12,399,500 | 4,283 |
| Average total loans | $110,221,250 | 3,228 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4433% | 293 |
| Cost of funding earning assets | 0.8091% | 473 |
| Net interest margin | 4.6343% | 501 |
| Noninterest income to average assets | 2.5548% | 263 |
| Noninterest expense to average assets | 5.7674% | 197 |
| Loan and lease loss provision to assets | 0.5893% | 156 |
| Net operating income to assets | 0.3509% | 5,295 |
| Return on assets (ROA) | 0.3509% | 5,404 |
| Pretax return on assets | 0.3569% | 5,556 |
| Return on Equity (ROE) | 3.7464% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.7464% | 3,626 |
| Net charge-offs to loans | 0.5018% | 494 |
| Credit loss provision to net charge-offs | 142.1245% | 1,584 |
| Earnings coverage of net charge-offs (x) | 2.2821% | 3,372 |
| Efficiency ratio | 85.9050% | 1,066 |
| Assets per employee ($millions) | 3.0969% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6377% | 1,794 |
| Loan loss allowance to noncurrent loans | 64.6389% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 2.2731% | 898 |
| Noncurrent loans to loans | 2.5336% | 876 |
| Net loans and leases to total assets | 81.9511% | 557 |
| Net loans and leases to deposits | 93.2935% | 1,222 |
| Net loans and leases to core deposits | 97.6791% | 1,673 |
| Total domestic deposits to total assets | 87.8422% | 1,732 |
| Equity capital to assets | 9.3237% | 4,869 |
| Core capital (leverage) ratio | 9.1219% | 4,788 |
| Tier 1 risk-based capital ratio | 10.2754% | 6,005 |
| Total risk-based capital ratio | 11.5284% | 5,948 |
| Memoranda: |
| Average total assets | $131,671,330 | 3,930 |
| Average earning assets | $118,163,000 | 3,984 |
| Average equity | $12,332,000 | 4,321 |
| Average total loans | $108,801,000 | 3,271 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2847% | 360 |
| Cost of funding earning assets | 0.8052% | 483 |
| Net interest margin | 4.4795% | 624 |
| Noninterest income to average assets | 2.3036% | 303 |
| Noninterest expense to average assets | 5.5910% | 215 |
| Loan and lease loss provision to assets | 0.2383% | 715 |
| Net operating income to assets | 0.5194% | 4,585 |
| Return on assets (ROA) | 0.5194% | 4,704 |
| Pretax return on assets | 0.5194% | 5,125 |
| Return on Equity (ROE) | 5.5330% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.5330% | 2,756 |
| Net charge-offs to loans | 0.3453% | 707 |
| Credit loss provision to net charge-offs | 83.8710% | 1,793 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 2,720 |
| Efficiency ratio | 88.0654% | 1,011 |
| Assets per employee ($millions) | 3.4027% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5277% | 2,338 |
| Loan loss allowance to noncurrent loans | 55.8278% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 2.4885% | 864 |
| Noncurrent loans to loans | 2.7364% | 860 |
| Net loans and leases to total assets | 79.8475% | 702 |
| Net loans and leases to deposits | 89.8522% | 1,410 |
| Net loans and leases to core deposits | 93.7227% | 1,790 |
| Total domestic deposits to total assets | 88.8654% | 1,354 |
| Equity capital to assets | 9.0965% | 5,197 |
| Core capital (leverage) ratio | 9.4513% | 4,352 |
| Tier 1 risk-based capital ratio | 10.8608% | 5,872 |
| Total risk-based capital ratio | 12.1137% | 5,799 |
| Memoranda: |
| Average total assets | $130,924,000 | 3,972 |
| Average earning assets | $118,228,500 | 4,011 |
| Average equity | $12,290,000 | 4,363 |
| Average total loans | $107,727,500 | 3,307 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5943% | 272 |
| Cost of funding earning assets | 0.8844% | 425 |
| Net interest margin | 4.7099% | 514 |
| Noninterest income to average assets | 1.9259% | 362 |
| Noninterest expense to average assets | 5.2539% | 263 |
| Loan and lease loss provision to assets | 0.4782% | 329 |
| Net operating income to assets | 0.2825% | 5,561 |
| Return on assets (ROA) | 0.3288% | 5,512 |
| Pretax return on assets | 0.3304% | 5,642 |
| Return on Equity (ROE) | 3.4097% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.4097% | 3,781 |
| Net charge-offs to loans | 0.1944% | 2,109 |
| Credit loss provision to net charge-offs | 320.1087% | 820 |
| Earnings coverage of net charge-offs (x) | 5.1033% | 3,498 |
| Efficiency ratio | 87.3279% | 1,049 |
| Assets per employee ($millions) | 3.2241% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6195% | 2,030 |
| Loan loss allowance to noncurrent loans | 49.6789% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 3.4134% | 553 |
| Noncurrent loans to loans | 3.2600% | 662 |
| Net loans and leases to total assets | 82.2238% | 497 |
| Net loans and leases to deposits | 93.4793% | 1,132 |
| Net loans and leases to core deposits | 97.9090% | 1,556 |
| Total domestic deposits to total assets | 87.9594% | 1,797 |
| Equity capital to assets | 9.7017% | 4,468 |
| Core capital (leverage) ratio | 9.1777% | 4,714 |
| Tier 1 risk-based capital ratio | 11.6004% | 5,605 |
| Total risk-based capital ratio | 12.8557% | 5,521 |
| Memoranda: |
| Average total assets | $123,166,200 | 4,118 |
| Average earning assets | $106,966,600 | 4,247 |
| Average equity | $11,878,000 | 4,381 |
| Average total loans | $94,651,000 | 3,537 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5580% | 295 |
| Cost of funding earning assets | 0.8829% | 465 |
| Net interest margin | 4.6751% | 529 |
| Noninterest income to average assets | 1.6976% | 456 |
| Noninterest expense to average assets | 5.1157% | 285 |
| Loan and lease loss provision to assets | 0.5180% | 287 |
| Net operating income to assets | 0.0838% | 6,048 |
| Return on assets (ROA) | 0.0838% | 6,072 |
| Pretax return on assets | 0.0860% | 6,077 |
| Return on Equity (ROE) | 0.8702% | 6,051 |
| Retained earnings to average equity (ytd only) | 0.8702% | 5,536 |
| Net charge-offs to loans | 0.0348% | 3,795 |
| Credit loss provision to net charge-offs | 1,983.3333% | 181 |
| Earnings coverage of net charge-offs (x) | 23.1244% | 1,602 |
| Efficiency ratio | 89.4406% | 883 |
| Assets per employee ($millions) | 3.5116% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7567% | 1,805 |
| Loan loss allowance to noncurrent loans | 66.4009% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.4633% | 1,086 |
| Noncurrent loans to loans | 2.6456% | 1,085 |
| Net loans and leases to total assets | 73.3009% | 1,628 |
| Net loans and leases to deposits | 82.6680% | 2,341 |
| Net loans and leases to core deposits | 86.1165% | 2,654 |
| Total domestic deposits to total assets | 88.6690% | 1,414 |
| Equity capital to assets | 8.9427% | 5,418 |
| Core capital (leverage) ratio | 8.7976% | 5,343 |
| Tier 1 risk-based capital ratio | 11.4245% | 5,824 |
| Total risk-based capital ratio | 12.6807% | 5,758 |
| Memoranda: |
| Average total assets | $122,522,500 | 4,170 |
| Average earning assets | $105,406,750 | 4,321 |
| Average equity | $11,797,750 | 4,425 |
| Average total loans | $92,041,000 | 3,620 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7056% | 219 |
| Cost of funding earning assets | 0.8849% | 465 |
| Net interest margin | 4.8207% | 398 |
| Noninterest income to average assets | 1.5393% | 523 |
| Noninterest expense to average assets | 5.1883% | 277 |
| Loan and lease loss provision to assets | 0.4896% | 307 |
| Net operating income to assets | -0.0908% | 6,251 |
| Return on assets (ROA) | -0.0908% | 6,266 |
| Pretax return on assets | -0.0875% | 6,247 |
| Return on Equity (ROE) | -0.9189% | 6,270 |
| Retained earnings to average equity (ytd only) | -0.9189% | 5,840 |
| Net charge-offs to loans | -0.0179% | 5,501 |
| Credit loss provision to net charge-offs | -3,637.5000% | 5,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8077% | 713 |
| Assets per employee ($millions) | 3.2414% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6261% | 2,371 |
| Loan loss allowance to noncurrent loans | 54.2304% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 2.5092% | 1,134 |
| Noncurrent loans to loans | 2.9985% | 968 |
| Net loans and leases to total assets | 76.3784% | 1,119 |
| Net loans and leases to deposits | 86.4938% | 1,773 |
| Net loans and leases to core deposits | 90.9505% | 2,034 |
| Total domestic deposits to total assets | 88.3051% | 1,732 |
| Equity capital to assets | 9.3558% | 4,911 |
| Core capital (leverage) ratio | 9.5294% | 4,284 |
| Tier 1 risk-based capital ratio | 11.5569% | 5,769 |
| Total risk-based capital ratio | 12.8120% | 5,718 |
| Memoranda: |
| Average total assets | $118,883,670 | 4,266 |
| Average earning assets | $99,902,670 | 4,473 |
| Average equity | $11,752,670 | 4,444 |
| Average total loans | $89,534,330 | 3,686 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6184% | 251 |
| Cost of funding earning assets | 0.8734% | 522 |
| Net interest margin | 4.7450% | 424 |
| Noninterest income to average assets | 1.0389% | 1,042 |
| Noninterest expense to average assets | 5.3302% | 265 |
| Loan and lease loss provision to assets | 0.4170% | 400 |
| Net operating income to assets | -0.7818% | 6,535 |
| Return on assets (ROA) | -0.7818% | 6,536 |
| Pretax return on assets | -0.7818% | 6,527 |
| Return on Equity (ROE) | -7.6821% | 6,527 |
| Retained earnings to average equity (ytd only) | -7.6821% | 6,274 |
| Net charge-offs to loans | 0.0235% | 3,100 |
| Credit loss provision to net charge-offs | 2,400.0000% | 144 |
| Earnings coverage of net charge-offs (x) | -21.0000% | 3,620 |
| Efficiency ratio | 107.3478% | 308 |
| Assets per employee ($millions) | 3.4876% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6311% | 2,578 |
| Loan loss allowance to noncurrent loans | 87.2604% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.5262% | 2,318 |
| Noncurrent loans to loans | 1.8692% | 2,037 |
| Net loans and leases to total assets | 69.7131% | 1,943 |
| Net loans and leases to deposits | 79.1046% | 2,418 |
| Net loans and leases to core deposits | 81.8530% | 2,751 |
| Total domestic deposits to total assets | 88.1277% | 2,153 |
| Equity capital to assets | 9.5063% | 4,493 |
| Core capital (leverage) ratio | 9.8307% | 3,818 |
| Tier 1 risk-based capital ratio | 12.6884% | 5,196 |
| Total risk-based capital ratio | 13.9429% | 5,130 |
| Memoranda: |
| Average total assets | $115,118,500 | 4,388 |
| Average earning assets | $95,259,000 | 4,649 |
| Average equity | $11,715,500 | 4,471 |
| Average total loans | $85,227,000 | 3,821 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2149% | 121 |
| Cost of funding earning assets | 1.1740% | 203 |
| Net interest margin | 5.0408% | 293 |
| Noninterest income to average assets | 0.4788% | 3,899 |
| Noninterest expense to average assets | 4.8362% | 392 |
| Loan and lease loss provision to assets | 0.3645% | 855 |
| Net operating income to assets | -0.3130% | 6,422 |
| Return on assets (ROA) | -0.2461% | 6,406 |
| Pretax return on assets | -0.2430% | 6,387 |
| Return on Equity (ROE) | -2.9930% | 6,428 |
| Retained earnings to average equity (ytd only) | -2.9930% | 6,262 |
| Net charge-offs to loans | 0.2203% | 2,701 |
| Credit loss provision to net charge-offs | 215.8537% | 1,070 |
| Earnings coverage of net charge-offs (x) | 0.3232% | 4,977 |
| Efficiency ratio | 98.8842% | 516 |
| Assets per employee ($millions) | 3.0906% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5438% | 2,986 |
| Loan loss allowance to noncurrent loans | 92.5054% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 2.0209% | 1,776 |
| Noncurrent loans to loans | 1.6689% | 2,404 |
| Net loans and leases to total assets | 76.4077% | 1,017 |
| Net loans and leases to deposits | 88.4753% | 1,415 |
| Net loans and leases to core deposits | 93.1394% | 1,665 |
| Total domestic deposits to total assets | 86.3605% | 3,073 |
| Equity capital to assets | 10.9336% | 2,673 |
| Core capital (leverage) ratio | 11.4305% | 2,013 |
| Tier 1 risk-based capital ratio | 13.6173% | 4,572 |
| Total risk-based capital ratio | 14.8713% | 4,516 |
| Memoranda: |
| Average total assets | $97,121,600 | 4,814 |
| Average earning assets | $85,005,800 | 4,909 |
| Average equity | $7,985,400 | 5,338 |
| Average total loans | $74,455,000 | 4,109 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3559% | 107 |
| Cost of funding earning assets | 1.2808% | 138 |
| Net interest margin | 5.0751% | 277 |
| Noninterest income to average assets | 0.4098% | 4,455 |
| Noninterest expense to average assets | 4.7392% | 425 |
| Loan and lease loss provision to assets | 0.3066% | 1,104 |
| Net operating income to assets | -0.1950% | 6,465 |
| Return on assets (ROA) | -0.1031% | 6,422 |
| Pretax return on assets | -0.0933% | 6,393 |
| Return on Equity (ROE) | -1.3855% | 6,448 |
| Retained earnings to average equity (ytd only) | -1.3855% | 6,183 |
| Net charge-offs to loans | 0.1905% | 2,699 |
| Credit loss provision to net charge-offs | 210.6796% | 1,147 |
| Earnings coverage of net charge-offs (x) | 0.8349% | 4,577 |
| Efficiency ratio | 97.5000% | 548 |
| Assets per employee ($millions) | 2.7758% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5517% | 3,219 |
| Loan loss allowance to noncurrent loans | 80.1577% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.2686% | 1,745 |
| Noncurrent loans to loans | 1.9358% | 2,321 |
| Net loans and leases to total assets | 79.6694% | 586 |
| Net loans and leases to deposits | 99.2130% | 503 |
| Net loans and leases to core deposits | 103.4468% | 906 |
| Total domestic deposits to total assets | 80.3014% | 5,429 |
| Equity capital to assets | 7.2267% | 6,485 |
| Core capital (leverage) ratio | 7.2654% | 6,521 |
| Tier 1 risk-based capital ratio | 8.7421% | 6,738 |
| Total risk-based capital ratio | 10.0076% | 6,737 |
| Memoranda: |
| Average total assets | $94,359,250 | 4,928 |
| Average earning assets | $82,755,500 | 5,004 |
| Average equity | $7,025,000 | 5,625 |
| Average total loans | $72,082,000 | 4,222 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5129% | 98 |
| Cost of funding earning assets | 1.3876% | 88 |
| Net interest margin | 5.1254% | 243 |
| Noninterest income to average assets | 0.3232% | 5,123 |
| Noninterest expense to average assets | 4.6068% | 482 |
| Loan and lease loss provision to assets | 0.3318% | 1,035 |
| Net operating income to assets | -0.1541% | 6,457 |
| Return on assets (ROA) | -0.0150% | 6,376 |
| Pretax return on assets | -0.0086% | 6,363 |
| Return on Equity (ROE) | -0.1993% | 6,382 |
| Retained earnings to average equity (ytd only) | -0.1993% | 5,891 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1573% | 646 |
| Assets per employee ($millions) | 3.1866% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7322% | 2,660 |
| Loan loss allowance to noncurrent loans | 121.6972% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.4641% | 2,908 |
| Noncurrent loans to loans | 1.4234% | 3,162 |
| Net loans and leases to total assets | 77.4715% | 805 |
| Net loans and leases to deposits | 97.5049% | 572 |
| Net loans and leases to core deposits | 101.9219% | 945 |
| Total domestic deposits to total assets | 79.4540% | 5,723 |
| Equity capital to assets | 7.6808% | 6,377 |
| Core capital (leverage) ratio | 7.8310% | 6,288 |
| Tier 1 risk-based capital ratio | 9.4442% | 6,729 |
| Total risk-based capital ratio | 10.7130% | 6,712 |
| Memoranda: |
| Average total assets | $93,427,670 | 4,977 |
| Average earning assets | $81,438,000 | 5,072 |
| Average equity | $7,026,330 | 5,676 |
| Average total loans | $69,902,000 | 4,313 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3960% | 432 |
| Cost of funding earning assets | 1.5150% | 55 |
| Net interest margin | 3.8810% | 2,176 |
| Noninterest income to average assets | 0.2129% | 5,959 |
| Noninterest expense to average assets | 4.5265% | 521 |
| Loan and lease loss provision to assets | 0.2896% | 1,212 |
| Net operating income to assets | -1.2434% | 6,853 |
| Return on assets (ROA) | -1.2434% | 6,860 |
| Pretax return on assets | -1.2434% | 6,847 |
| Return on Equity (ROE) | -16.7084% | 6,878 |
| Retained earnings to average equity (ytd only) | -16.7084% | 6,781 |
| Net charge-offs to loans | -0.1111% | 6,487 |
| Credit loss provision to net charge-offs | -357.8947% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6985% | 171 |
| Assets per employee ($millions) | 3.4266% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7376% | 2,848 |
| Loan loss allowance to noncurrent loans | 101.4468% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.7132% | 2,723 |
| Noncurrent loans to loans | 1.7128% | 2,977 |
| Net loans and leases to total assets | 72.8615% | 1,224 |
| Net loans and leases to deposits | 89.9880% | 966 |
| Net loans and leases to core deposits | 95.6116% | 1,222 |
| Total domestic deposits to total assets | 80.9680% | 5,508 |
| Equity capital to assets | 7.6569% | 6,539 |
| Core capital (leverage) ratio | 7.3380% | 6,529 |
| Tier 1 risk-based capital ratio | 9.6318% | 6,746 |
| Total risk-based capital ratio | 10.9016% | 6,726 |
| Memoranda: |
| Average total assets | $93,935,500 | 5,001 |
| Average earning assets | $81,319,500 | 5,109 |
| Average equity | $6,990,500 | 5,744 |
| Average total loans | $68,425,500 | 4,403 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4006% | 755 |
| Cost of funding earning assets | 2.0318% | 25 |
| Net interest margin | 3.3689% | 5,003 |
| Noninterest income to average assets | 0.1433% | 6,319 |
| Noninterest expense to average assets | 4.7694% | 449 |
| Loan and lease loss provision to assets | 1.1301% | 324 |
| Net operating income to assets | -2.8017% | 6,996 |
| Return on assets (ROA) | -2.8017% | 6,999 |
| Pretax return on assets | -2.8053% | 7,002 |
| Return on Equity (ROE) | -33.5915% | 6,971 |
| Retained earnings to average equity (ytd only) | -33.5915% | 6,956 |
| Net charge-offs to loans | 2.2801% | 292 |
| Credit loss provision to net charge-offs | 73.6600% | 4,049 |
| Earnings coverage of net charge-offs (x) | -1.0919% | 5,765 |
| Efficiency ratio | 154.1382% | 84 |
| Assets per employee ($millions) | 3.6674% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6205% | 3,218 |
| Loan loss allowance to noncurrent loans | 102.3127% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.7524% | 2,771 |
| Noncurrent loans to loans | 1.5839% | 3,246 |
| Net loans and leases to total assets | 70.4152% | 1,759 |
| Net loans and leases to deposits | 88.8276% | 1,185 |
| Net loans and leases to core deposits | 93.6013% | 1,503 |
| Total domestic deposits to total assets | 79.2718% | 5,831 |
| Equity capital to assets | 7.2331% | 6,714 |
| Core capital (leverage) ratio | 7.3294% | 6,575 |
| Tier 1 risk-based capital ratio | 9.3723% | 6,816 |
| Total risk-based capital ratio | 10.6402% | 6,810 |
| Memoranda: |
| Average total assets | $85,126,000 | 5,214 |
| Average earning assets | $74,565,200 | 5,292 |
| Average equity | $7,100,000 | 5,735 |
| Average total loans | $57,278,400 | 4,821 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4764% | 721 |
| Cost of funding earning assets | 2.1436% | 21 |
| Net interest margin | 3.3328% | 5,271 |
| Noninterest income to average assets | 0.1114% | 6,576 |
| Noninterest expense to average assets | 4.7652% | 433 |
| Loan and lease loss provision to assets | 1.4275% | 225 |
| Net operating income to assets | -3.1440% | 7,117 |
| Return on assets (ROA) | -3.1440% | 7,119 |
| Pretax return on assets | -3.1488% | 7,116 |
| Return on Equity (ROE) | -36.3030% | 7,090 |
| Retained earnings to average equity (ytd only) | -36.3030% | 7,083 |
| Net charge-offs to loans | 1.3715% | 663 |
| Credit loss provision to net charge-offs | 157.5758% | 1,782 |
| Earnings coverage of net charge-offs (x) | -1.9002% | 5,644 |
| Efficiency ratio | 156.5517% | 75 |
| Assets per employee ($millions) | 3.8802% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8918% | 809 |
| Loan loss allowance to noncurrent loans | 154.3081% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 1.9575% | 2,705 |
| Noncurrent loans to loans | 1.8741% | 2,986 |
| Net loans and leases to total assets | 69.7460% | 1,962 |
| Net loans and leases to deposits | 83.6631% | 1,908 |
| Net loans and leases to core deposits | 87.4723% | 2,285 |
| Total domestic deposits to total assets | 83.3654% | 4,498 |
| Equity capital to assets | 8.6980% | 6,104 |
| Core capital (leverage) ratio | 8.3331% | 5,961 |
| Tier 1 risk-based capital ratio | 11.3968% | 6,295 |
| Total risk-based capital ratio | 12.6838% | 6,236 |
| Memoranda: |
| Average total assets | $82,569,250 | 5,336 |
| Average earning assets | $72,648,750 | 5,412 |
| Average equity | $7,150,750 | 5,784 |
| Average total loans | $54,535,750 | 4,970 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4770% | 754 |
| Cost of funding earning assets | 2.2321% | 17 |
| Net interest margin | 3.2449% | 5,607 |
| Noninterest income to average assets | 0.1004% | 6,675 |
| Noninterest expense to average assets | 4.8825% | 412 |
| Loan and lease loss provision to assets | 0.6100% | 966 |
| Net operating income to assets | -2.5429% | 7,126 |
| Return on assets (ROA) | -2.5429% | 7,131 |
| Pretax return on assets | -2.5429% | 7,120 |
| Return on Equity (ROE) | -29.4079% | 7,096 |
| Retained earnings to average equity (ytd only) | -29.4079% | 7,084 |
| Net charge-offs to loans | 1.6068% | 584 |
| Credit loss provision to net charge-offs | 59.2857% | 3,816 |
| Earnings coverage of net charge-offs (x) | -1.8786% | 5,376 |
| Efficiency ratio | 165.5316% | 71 |
| Assets per employee ($millions) | 4.0159% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1736% | 1,836 |
| Loan loss allowance to noncurrent loans | 159.4763% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 1.9340% | 2,866 |
| Noncurrent loans to loans | 1.3629% | 3,879 |
| Net loans and leases to total assets | 68.2580% | 2,249 |
| Net loans and leases to deposits | 86.3728% | 1,552 |
| Net loans and leases to core deposits | 90.5450% | 1,930 |
| Total domestic deposits to total assets | 79.0272% | 5,957 |
| Equity capital to assets | 8.5909% | 6,130 |
| Core capital (leverage) ratio | 8.6243% | 5,484 |
| Tier 1 risk-based capital ratio | 11.3938% | 6,285 |
| Total risk-based capital ratio | 12.6707% | 6,242 |
| Memoranda: |
| Average total assets | $81,637,670 | 5,390 |
| Average earning assets | $71,681,670 | 5,471 |
| Average equity | $7,059,330 | 5,832 |
| Average total loans | $52,277,330 | 5,097 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6613% | 559 |
| Cost of funding earning assets | 2.3831% | 14 |
| Net interest margin | 3.2782% | 5,539 |
| Noninterest income to average assets | 0.0697% | 6,857 |
| Noninterest expense to average assets | 4.9570% | 374 |
| Loan and lease loss provision to assets | 0.8071% | 605 |
| Net operating income to assets | -2.8297% | 7,212 |
| Return on assets (ROA) | -2.8297% | 7,214 |
| Pretax return on assets | -2.8297% | 7,201 |
| Return on Equity (ROE) | -32.6132% | 7,177 |
| Retained earnings to average equity (ytd only) | -32.6132% | 7,149 |
| Net charge-offs to loans | 2.3350% | 365 |
| Credit loss provision to net charge-offs | 56.6434% | 3,174 |
| Earnings coverage of net charge-offs (x) | -1.4196% | 4,585 |
| Efficiency ratio | 168.9304% | 69 |
| Assets per employee ($millions) | 3.4588% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7689% | 1,035 |
| Loan loss allowance to noncurrent loans | 130.2257% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 2.3066% | 2,573 |
| Noncurrent loans to loans | 2.1262% | 2,992 |
| Net loans and leases to total assets | 58.5760% | 3,948 |
| Net loans and leases to deposits | 66.9218% | 4,245 |
| Net loans and leases to core deposits | 70.5127% | 4,342 |
| Total domestic deposits to total assets | 87.5291% | 2,633 |
| Equity capital to assets | 8.8809% | 5,656 |
| Core capital (leverage) ratio | 8.2682% | 5,927 |
| Tier 1 risk-based capital ratio | 12.6019% | 5,518 |
| Total risk-based capital ratio | 13.8781% | 5,466 |
| Memoranda: |
| Average total assets | $80,290,000 | 5,466 |
| Average earning assets | $70,160,000 | 5,555 |
| Average equity | $6,966,500 | 5,885 |
| Average total loans | $48,994,500 | 5,266 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5752% | 1,003 |
| Cost of funding earning assets | 2.6597% | 18 |
| Net interest margin | 2.9155% | 6,666 |
| Noninterest income to average assets | -2.6732% | 7,356 |
| Noninterest expense to average assets | 4.8384% | 442 |
| Loan and lease loss provision to assets | 1.3722% | 576 |
| Net operating income to assets | -6.4025% | 7,325 |
| Return on assets (ROA) | -6.4025% | 7,326 |
| Pretax return on assets | -6.4073% | 7,329 |
| Return on Equity (ROE) | -78.5786% | 7,287 |
| Retained earnings to average equity (ytd only) | -78.5786% | 7,287 |
| Net charge-offs to loans | 4.1026% | 144 |
| Credit loss provision to net charge-offs | 51.4713% | 5,394 |
| Earnings coverage of net charge-offs (x) | -1.8886% | 6,270 |
| Efficiency ratio | -2,459.5092% | 7,357 |
| Assets per employee ($millions) | 3.5229% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8964% | 893 |
| Loan loss allowance to noncurrent loans | 128.8889% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 3.7802% | 1,531 |
| Noncurrent loans to loans | 2.2472% | 2,900 |
| Net loans and leases to total assets | 59.9961% | 3,993 |
| Net loans and leases to deposits | 68.1179% | 4,430 |
| Net loans and leases to core deposits | 71.9159% | 4,544 |
| Total domestic deposits to total assets | 88.0768% | 2,104 |
| Equity capital to assets | 8.4762% | 6,170 |
| Core capital (leverage) ratio | 8.0256% | 6,236 |
| Tier 1 risk-based capital ratio | 11.6861% | 6,033 |
| Total risk-based capital ratio | 12.9690% | 5,999 |
| Memoranda: |
| Average total assets | $82,858,200 | 5,371 |
| Average earning assets | $70,383,600 | 5,526 |
| Average equity | $6,751,200 | 5,941 |
| Average total loans | $53,844,400 | 5,119 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5815% | 1,077 |
| Cost of funding earning assets | 2.7273% | 17 |
| Net interest margin | 2.8541% | 6,820 |
| Noninterest income to average assets | -0.9794% | 7,401 |
| Noninterest expense to average assets | 4.6729% | 490 |
| Loan and lease loss provision to assets | 1.2866% | 583 |
| Net operating income to assets | -4.5208% | 7,359 |
| Return on assets (ROA) | -4.5208% | 7,360 |
| Pretax return on assets | -4.5256% | 7,360 |
| Return on Equity (ROE) | -56.0335% | 7,308 |
| Retained earnings to average equity (ytd only) | -56.0335% | 7,305 |
| Net charge-offs to loans | 3.9690% | 171 |
| Credit loss provision to net charge-offs | 49.2949% | 5,048 |
| Earnings coverage of net charge-offs (x) | -1.2410% | 5,961 |
| Efficiency ratio | 325.8929% | 18 |
| Assets per employee ($millions) | 3.3843% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2848% | 670 |
| Loan loss allowance to noncurrent loans | 67.9904% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 6.9450% | 716 |
| Noncurrent loans to loans | 4.8312% | 1,328 |
| Net loans and leases to total assets | 61.4437% | 3,863 |
| Net loans and leases to deposits | 70.1128% | 4,283 |
| Net loans and leases to core deposits | 74.2763% | 4,408 |
| Total domestic deposits to total assets | 87.6354% | 2,271 |
| Equity capital to assets | 8.7733% | 6,007 |
| Core capital (leverage) ratio | 8.3155% | 5,954 |
| Tier 1 risk-based capital ratio | 11.7773% | 6,052 |
| Total risk-based capital ratio | 13.0656% | 6,012 |
| Memoranda: |
| Average total assets | $83,316,000 | 5,399 |
| Average earning assets | $70,445,500 | 5,568 |
| Average equity | $6,722,000 | 5,991 |
| Average total loans | $54,789,750 | 5,129 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5304% | 1,232 |
| Cost of funding earning assets | 2.8358% | 14 |
| Net interest margin | 2.6946% | 7,035 |
| Noninterest income to average assets | -0.0167% | 7,221 |
| Noninterest expense to average assets | 4.7112% | 476 |
| Loan and lease loss provision to assets | 1.3355% | 551 |
| Net operating income to assets | -3.7923% | 7,378 |
| Return on assets (ROA) | -3.7923% | 7,379 |
| Pretax return on assets | -3.7923% | 7,374 |
| Return on Equity (ROE) | -48.3656% | 7,344 |
| Retained earnings to average equity (ytd only) | -48.3656% | 7,341 |
| Net charge-offs to loans | 3.4734% | 260 |
| Credit loss provision to net charge-offs | 57.8351% | 4,399 |
| Earnings coverage of net charge-offs (x) | -1.0639% | 5,643 |
| Efficiency ratio | 208.9757% | 54 |
| Assets per employee ($millions) | 3.1411% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8724% | 451 |
| Loan loss allowance to noncurrent loans | 64.4600% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 8.8332% | 479 |
| Noncurrent loans to loans | 6.0075% | 991 |
| Net loans and leases to total assets | 64.2251% | 3,412 |
| Net loans and leases to deposits | 73.1120% | 3,928 |
| Net loans and leases to core deposits | 78.7757% | 3,964 |
| Total domestic deposits to total assets | 87.8448% | 2,247 |
| Equity capital to assets | 8.6349% | 6,020 |
| Core capital (leverage) ratio | 7.9372% | 6,373 |
| Tier 1 risk-based capital ratio | 11.5834% | 6,103 |
| Total risk-based capital ratio | 12.8787% | 6,063 |
| Memoranda: |
| Average total assets | $84,013,330 | 5,426 |
| Average earning assets | $70,808,000 | 5,604 |
| Average equity | $6,587,330 | 6,059 |
| Average total loans | $55,852,330 | 5,130 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1827% | 2,290 |
| Cost of funding earning assets | 2.8224% | 16 |
| Net interest margin | 2.3603% | 7,276 |
| Noninterest income to average assets | 0.0563% | 7,110 |
| Noninterest expense to average assets | 4.6909% | 491 |
| Loan and lease loss provision to assets | 0.3240% | 2,604 |
| Net operating income to assets | -2.9676% | 7,392 |
| Return on assets (ROA) | -2.9676% | 7,397 |
| Pretax return on assets | -2.9676% | 7,374 |
| Return on Equity (ROE) | -39.7797% | 7,373 |
| Retained earnings to average equity (ytd only) | -39.7797% | 7,355 |
| Net charge-offs to loans | 3.4268% | 293 |
| Credit loss provision to net charge-offs | 14.2562% | 4,344 |
| Earnings coverage of net charge-offs (x) | -1.1632% | 4,910 |
| Efficiency ratio | 229.1284% | 53 |
| Assets per employee ($millions) | 3.2889% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9757% | 423 |
| Loan loss allowance to noncurrent loans | 52.7145% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 9.9858% | 417 |
| Noncurrent loans to loans | 7.5419% | 687 |
| Net loans and leases to total assets | 59.5128% | 4,357 |
| Net loans and leases to deposits | 67.4254% | 4,757 |
| Net loans and leases to core deposits | 75.6672% | 4,345 |
| Total domestic deposits to total assets | 88.2647% | 2,214 |
| Equity capital to assets | 8.3194% | 6,139 |
| Core capital (leverage) ratio | 8.1816% | 5,994 |
| Tier 1 risk-based capital ratio | 11.8907% | 5,790 |
| Total risk-based capital ratio | 13.1858% | 5,738 |
| Memoranda: |
| Average total assets | $85,185,500 | 5,437 |
| Average earning assets | $71,854,000 | 5,610 |
| Average equity | $6,355,000 | 6,137 |
| Average total loans | $56,496,000 | 5,152 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3477% | 2,907 |
| Cost of funding earning assets | 3.2071% | 15 |
| Net interest margin | 2.1406% | 7,416 |
| Noninterest income to average assets | 0.2079% | 6,313 |
| Noninterest expense to average assets | 4.2409% | 866 |
| Loan and lease loss provision to assets | 3.7072% | 191 |
| Net operating income to assets | -5.8935% | 7,580 |
| Return on assets (ROA) | -5.8935% | 7,585 |
| Pretax return on assets | -5.8925% | 7,582 |
| Return on Equity (ROE) | -72.9175% | 7,525 |
| Retained earnings to average equity (ytd only) | -72.9175% | 7,524 |
| Net charge-offs to loans | 5.4925% | 129 |
| Credit loss provision to net charge-offs | 97.9609% | 4,724 |
| Earnings coverage of net charge-offs (x) | -0.5775% | 6,489 |
| Efficiency ratio | 206.3087% | 85 |
| Assets per employee ($millions) | 3.2638% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2020% | 334 |
| Loan loss allowance to noncurrent loans | 45.7615% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 11.5850% | 305 |
| Noncurrent loans to loans | 9.1824% | 498 |
| Net loans and leases to total assets | 67.7280% | 3,050 |
| Net loans and leases to deposits | 75.2376% | 3,974 |
| Net loans and leases to core deposits | 84.2369% | 3,565 |
| Total domestic deposits to total assets | 90.0189% | 1,088 |
| Equity capital to assets | 6.5944% | 7,237 |
| Core capital (leverage) ratio | 5.8639% | 7,322 |
| Tier 1 risk-based capital ratio | 8.8499% | 7,269 |
| Total risk-based capital ratio | 10.1507% | 7,269 |
| Memoranda: |
| Average total assets | $93,305,800 | 5,184 |
| Average earning assets | $80,539,600 | 5,328 |
| Average equity | $7,541,400 | 5,861 |
| Average total loans | $64,288,000 | 4,899 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0916% | 4,365 |
| Cost of funding earning assets | 3.2265% | 19 |
| Net interest margin | 1.8651% | 7,612 |
| Noninterest income to average assets | 0.4513% | 4,550 |
| Noninterest expense to average assets | 3.9083% | 1,190 |
| Loan and lease loss provision to assets | 1.9423% | 620 |
| Net operating income to assets | -3.7812% | 7,553 |
| Return on assets (ROA) | -3.7812% | 7,565 |
| Pretax return on assets | -3.7798% | 7,541 |
| Return on Equity (ROE) | -44.9430% | 7,525 |
| Retained earnings to average equity (ytd only) | -44.9430% | 7,522 |
| Net charge-offs to loans | 2.4295% | 707 |
| Credit loss provision to net charge-offs | 116.7086% | 3,564 |
| Earnings coverage of net charge-offs (x) | -1.1041% | 6,459 |
| Efficiency ratio | 188.7314% | 103 |
| Assets per employee ($millions) | 3.6062% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0841% | 339 |
| Loan loss allowance to noncurrent loans | 27.6169% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 12.9551% | 229 |
| Noncurrent loans to loans | 14.7883% | 166 |
| Net loans and leases to total assets | 69.9836% | 2,736 |
| Net loans and leases to deposits | 79.1246% | 3,616 |
| Net loans and leases to core deposits | 93.5796% | 2,580 |
| Total domestic deposits to total assets | 88.4473% | 1,698 |
| Equity capital to assets | 8.3989% | 6,398 |
| Core capital (leverage) ratio | 7.8668% | 6,502 |
| Tier 1 risk-based capital ratio | 11.7432% | 5,694 |
| Total risk-based capital ratio | 13.0458% | 5,624 |
| Memoranda: |
| Average total assets | $95,417,250 | 5,180 |
| Average earning assets | $82,853,500 | 5,311 |
| Average equity | $8,027,750 | 5,782 |
| Average total loans | $65,361,250 | 4,930 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1137% | 4,383 |
| Cost of funding earning assets | 3.2234% | 25 |
| Net interest margin | 1.8903% | 7,673 |
| Noninterest income to average assets | 0.2959% | 5,778 |
| Noninterest expense to average assets | 3.8221% | 1,327 |
| Loan and lease loss provision to assets | 1.0420% | 1,394 |
| Net operating income to assets | -2.9280% | 7,496 |
| Return on assets (ROA) | -2.9280% | 7,505 |
| Pretax return on assets | -2.9280% | 7,452 |
| Return on Equity (ROE) | -34.7830% | 7,487 |
| Retained earnings to average equity (ytd only) | -34.7830% | 7,477 |
| Net charge-offs to loans | 3.0057% | 524 |
| Credit loss provision to net charge-offs | 51.7063% | 5,382 |
| Earnings coverage of net charge-offs (x) | -0.9359% | 6,107 |
| Efficiency ratio | 197.4166% | 103 |
| Assets per employee ($millions) | 3.8425% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2562% | 671 |
| Loan loss allowance to noncurrent loans | 37.1094% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 8.8609% | 511 |
| Noncurrent loans to loans | 8.7747% | 555 |
| Net loans and leases to total assets | 65.7534% | 3,879 |
| Net loans and leases to deposits | 74.3640% | 4,618 |
| Net loans and leases to core deposits | 88.1034% | 3,535 |
| Total domestic deposits to total assets | 88.4210% | 1,772 |
| Equity capital to assets | 8.4976% | 6,169 |
| Core capital (leverage) ratio | 8.0449% | 6,208 |
| Tier 1 risk-based capital ratio | 11.6389% | 5,637 |
| Total risk-based capital ratio | 12.9263% | 5,566 |
| Memoranda: |
| Average total assets | $95,969,000 | 5,195 |
| Average earning assets | $83,267,000 | 5,323 |
| Average equity | $8,078,670 | 5,770 |
| Average total loans | $64,344,330 | 5,006 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1028% | 4,511 |
| Cost of funding earning assets | 3.2797% | 27 |
| Net interest margin | 1.8231% | 7,769 |
| Noninterest income to average assets | 0.2877% | 5,841 |
| Noninterest expense to average assets | 3.4403% | 2,130 |
| Loan and lease loss provision to assets | 0.5755% | 2,191 |
| Net operating income to assets | -2.1517% | 7,494 |
| Return on assets (ROA) | -2.1517% | 7,499 |
| Pretax return on assets | -2.1517% | 7,447 |
| Return on Equity (ROE) | -25.6828% | 7,508 |
| Retained earnings to average equity (ytd only) | -25.6828% | 7,469 |
| Net charge-offs to loans | -0.3069% | 7,747 |
| Credit loss provision to net charge-offs | -281.6327% | 6,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.5638% | 118 |
| Assets per employee ($millions) | 4.0613% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4067% | 272 |
| Loan loss allowance to noncurrent loans | 55.5422% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 7.4505% | 688 |
| Noncurrent loans to loans | 7.9340% | 684 |
| Net loans and leases to total assets | 61.8929% | 4,780 |
| Net loans and leases to deposits | 69.6987% | 5,393 |
| Net loans and leases to core deposits | 80.3910% | 4,720 |
| Total domestic deposits to total assets | 88.8007% | 1,619 |
| Equity capital to assets | 8.2087% | 6,423 |
| Core capital (leverage) ratio | 8.0849% | 6,110 |
| Tier 1 risk-based capital ratio | 12.0935% | 5,095 |
| Total risk-based capital ratio | 13.3950% | 5,011 |
| Memoranda: |
| Average total assets | $95,922,500 | 5,263 |
| Average earning assets | $82,935,500 | 5,401 |
| Average equity | $8,036,500 | 5,829 |
| Average total loans | $63,871,500 | 5,091 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4721% | 4,313 |
| Cost of funding earning assets | 3.6959% | 21 |
| Net interest margin | 1.7761% | 7,811 |
| Noninterest income to average assets | -0.8937% | 7,982 |
| Noninterest expense to average assets | 6.7131% | 230 |
| Loan and lease loss provision to assets | 4.9946% | 194 |
| Net operating income to assets | -11.1402% | 7,982 |
| Return on assets (ROA) | -11.0629% | 7,981 |
| Pretax return on assets | -11.0576% | 7,979 |
| Return on Equity (ROE) | -109.4903% | 7,954 |
| Retained earnings to average equity (ytd only) | -109.4903% | 7,954 |
| Net charge-offs to loans | 6.6048% | 139 |
| Credit loss provision to net charge-offs | 109.0384% | 5,066 |
| Earnings coverage of net charge-offs (x) | -1.3405% | 6,931 |
| Efficiency ratio | 741.9593% | 22 |
| Assets per employee ($millions) | 3.9323% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0149% | 359 |
| Loan loss allowance to noncurrent loans | 59.0578% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 8.8275% | 460 |
| Noncurrent loans to loans | 6.7982% | 852 |
| Net loans and leases to total assets | 65.7377% | 4,222 |
| Net loans and leases to deposits | 74.3519% | 4,980 |
| Net loans and leases to core deposits | 114.6532% | 2,447 |
| Total domestic deposits to total assets | 88.4143% | 1,765 |
| Equity capital to assets | 8.5531% | 5,806 |
| Core capital (leverage) ratio | 8.4617% | 5,342 |
| Tier 1 risk-based capital ratio | 12.0351% | 4,920 |
| Total risk-based capital ratio | 13.3324% | 4,837 |
| Memoranda: |
| Average total assets | $94,442,000 | 5,257 |
| Average earning assets | $77,977,800 | 5,527 |
| Average equity | $9,542,400 | 5,432 |
| Average total loans | $65,498,000 | 5,048 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5925% | 3,910 |
| Cost of funding earning assets | 3.8008% | 19 |
| Net interest margin | 1.7917% | 7,884 |
| Noninterest income to average assets | -0.3402% | 8,020 |
| Noninterest expense to average assets | 4.4195% | 816 |
| Loan and lease loss provision to assets | 6.5353% | 86 |
| Net operating income to assets | -9.8354% | 8,044 |
| Return on assets (ROA) | -9.7324% | 8,039 |
| Pretax return on assets | -9.7253% | 8,037 |
| Return on Equity (ROE) | -92.7659% | 7,998 |
| Retained earnings to average equity (ytd only) | -92.7659% | 7,997 |
| Net charge-offs to loans | 7.9535% | 83 |
| Credit loss provision to net charge-offs | 118.1122% | 4,301 |
| Earnings coverage of net charge-offs (x) | -0.5952% | 6,517 |
| Efficiency ratio | 392.3559% | 42 |
| Assets per employee ($millions) | 3.9683% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7310% | 169 |
| Loan loss allowance to noncurrent loans | 60.8015% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 10.3066% | 320 |
| Noncurrent loans to loans | 7.7811% | 645 |
| Net loans and leases to total assets | 64.2683% | 4,811 |
| Net loans and leases to deposits | 73.1966% | 5,484 |
| Net loans and leases to core deposits | 98.8440% | 4,506 |
| Total domestic deposits to total assets | 87.8024% | 1,749 |
| Equity capital to assets | 8.8855% | 5,655 |
| Core capital (leverage) ratio | 6.5514% | 7,650 |
| Tier 1 risk-based capital ratio | 8.7567% | 7,694 |
| Total risk-based capital ratio | 10.0605% | 7,707 |
| Memoranda: |
| Average total assets | $94,458,750 | 5,291 |
| Average earning assets | $77,315,750 | 5,585 |
| Average equity | $9,910,000 | 5,359 |
| Average total loans | $65,713,750 | 5,075 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4668% | 4,804 |
| Cost of funding earning assets | 3.8914% | 29 |
| Net interest margin | 1.5754% | 7,999 |
| Noninterest income to average assets | -0.5590% | 8,124 |
| Noninterest expense to average assets | 4.0766% | 1,218 |
| Loan and lease loss provision to assets | 1.8677% | 878 |
| Net operating income to assets | -5.2072% | 7,951 |
| Return on assets (ROA) | -5.1339% | 7,940 |
| Pretax return on assets | -5.1339% | 7,877 |
| Return on Equity (ROE) | -46.6603% | 7,895 |
| Retained earnings to average equity (ytd only) | -46.6603% | 7,886 |
| Net charge-offs to loans | 4.0957% | 339 |
| Credit loss provision to net charge-offs | 64.9199% | 5,510 |
| Earnings coverage of net charge-offs (x) | -1.1608% | 6,261 |
| Efficiency ratio | 553.1250% | 32 |
| Assets per employee ($millions) | 4.0935% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6396% | 792 |
| Loan loss allowance to noncurrent loans | 45.2325% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 8.7945% | 393 |
| Noncurrent loans to loans | 5.8356% | 955 |
| Net loans and leases to total assets | 67.4626% | 4,259 |
| Net loans and leases to deposits | 88.4661% | 3,094 |
| Net loans and leases to core deposits | 121.9445% | 2,212 |
| Total domestic deposits to total assets | 76.2581% | 6,496 |
| Equity capital to assets | 10.5003% | 3,400 |
| Core capital (leverage) ratio | 8.2054% | 5,971 |
| Tier 1 risk-based capital ratio | 10.7142% | 6,171 |
| Total risk-based capital ratio | 11.9930% | 6,081 |
| Memoranda: |
| Average total assets | $95,521,000 | 5,296 |
| Average earning assets | $78,583,330 | 5,576 |
| Average equity | $10,510,000 | 5,210 |
| Average total loans | $67,094,330 | 5,069 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8323% | 7,320 |
| Cost of funding earning assets | 3.9496% | 32 |
| Net interest margin | 0.8827% | 8,174 |
| Noninterest income to average assets | -1.1600% | 8,219 |
| Noninterest expense to average assets | 3.6546% | 1,742 |
| Loan and lease loss provision to assets | 1.0810% | 1,210 |
| Net operating income to assets | -5.1680% | 8,047 |
| Return on assets (ROA) | -5.1680% | 8,039 |
| Pretax return on assets | -5.1680% | 7,999 |
| Return on Equity (ROE) | -45.9434% | 8,028 |
| Retained earnings to average equity (ytd only) | -45.9434% | 8,012 |
| Net charge-offs to loans | 2.1640% | 662 |
| Credit loss provision to net charge-offs | 70.6522% | 4,342 |
| Earnings coverage of net charge-offs (x) | -2.6712% | 5,504 |
| Efficiency ratio | -845.1923% | 8,245 |
| Assets per employee ($millions) | 2.9494% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2225% | 398 |
| Loan loss allowance to noncurrent loans | 45.2504% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 9.3378% | 256 |
| Noncurrent loans to loans | 7.1214% | 558 |
| Net loans and leases to total assets | 66.6953% | 4,414 |
| Net loans and leases to deposits | 88.9007% | 3,125 |
| Net loans and leases to core deposits | 120.2403% | 2,401 |
| Total domestic deposits to total assets | 75.0223% | 6,713 |
| Equity capital to assets | 10.8021% | 3,182 |
| Core capital (leverage) ratio | 8.1956% | 6,115 |
| Tier 1 risk-based capital ratio | 11.3535% | 5,546 |
| Total risk-based capital ratio | 12.6247% | 5,430 |
| Memoranda: |
| Average total assets | $96,206,500 | 5,300 |
| Average earning assets | $79,300,000 | 5,574 |
| Average equity | $10,822,000 | 5,155 |
| Average total loans | $68,022,500 | 5,053 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4819% | 427 |
| Cost of funding earning assets | 4.0668% | 80 |
| Net interest margin | 3.4151% | 5,598 |
| Noninterest income to average assets | -0.1298% | 8,209 |
| Noninterest expense to average assets | 3.8893% | 1,579 |
| Loan and lease loss provision to assets | 2.0533% | 576 |
| Net operating income to assets | -3.1959% | 7,865 |
| Return on assets (ROA) | -3.1959% | 7,841 |
| Pretax return on assets | -3.1897% | 7,753 |
| Return on Equity (ROE) | -22.6182% | 7,818 |
| Retained earnings to average equity (ytd only) | -25.7317% | 7,820 |
| Net charge-offs to loans | 1.1085% | 1,093 |
| Credit loss provision to net charge-offs | 250.6918% | 1,857 |
| Earnings coverage of net charge-offs (x) | -1.3874% | 6,652 |
| Efficiency ratio | 141.2799% | 395 |
| Assets per employee ($millions) | 3.1624% | 5,586 |
| Cash dividends to net income (ytd only)* | -13.7653% | 7,890 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1041% | 401 |
| Loan loss allowance to noncurrent loans | 62.5248% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 7.2119% | 350 |
| Noncurrent loans to loans | 4.9646% | 893 |
| Net loans and leases to total assets | 70.1784% | 3,976 |
| Net loans and leases to deposits | 94.1484% | 2,734 |
| Net loans and leases to core deposits | 123.5175% | 2,357 |
| Total domestic deposits to total assets | 74.5402% | 6,546 |
| Equity capital to assets | 11.6787% | 2,515 |
| Core capital (leverage) ratio | 9.1835% | 4,471 |
| Tier 1 risk-based capital ratio | 12.2312% | 4,649 |
| Total risk-based capital ratio | 13.5158% | 4,501 |
| Memoranda: |
| Average total assets | $97,062,000 | 5,138 |
| Average earning assets | $81,931,200 | 5,377 |
| Average equity | $13,714,600 | 4,396 |
| Average total loans | $71,720,000 | 4,802 |
