Home > Servbank,sb > Performance and Condition Ratios
Servbank,sb, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0027% | 631 |
| Cost of funding earning assets | 0.4024% | 4,291 |
| Net interest margin | 5.6002% | 164 |
| Noninterest income to average assets | 16.9800% | 75 |
| Noninterest expense to average assets | 13.5037% | 90 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 5.7664% | 65 |
| Return on assets (ROA) | 5.7664% | 66 |
| Pretax return on assets | 7.7680% | 60 |
| Return on Equity (ROE) | 40.2400% | 85 |
| Retained earnings to average equity (ytd only) | 40.2429% | 28 |
| Net charge-offs to loans | -0.0827% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.1597% | 2,711 |
| Assets per employee ($millions) | 1.1491% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 2,843 |
| Loan loss allowance to noncurrent loans | 99.2823% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 2,101 |
| Noncurrent loans to loans | 1.1074% | 659 |
| Net loans and leases to total assets | 20.0800% | 4,403 |
| Net loans and leases to deposits | 32.3942% | 4,326 |
| Net loans and leases to core deposits | 32.6511% | 4,372 |
| Total domestic deposits to total assets | 62.0000% | 4,422 |
| Equity capital to assets | 16.1891% | 448 |
| Core capital (leverage) ratio | 14.5266% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $635,720,200 | 1,401 |
| Average earning assets | $499,210,000 | 1,641 |
| Average equity | $91,091,800 | 1,018 |
| Average total loans | $108,762,200 | 3,079 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6560% | 843 |
| Cost of funding earning assets | 0.4031% | 4,252 |
| Net interest margin | 5.2530% | 239 |
| Noninterest income to average assets | 16.2300% | 74 |
| Noninterest expense to average assets | 12.1536% | 101 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 6.1365% | 62 |
| Return on assets (ROA) | 6.1365% | 62 |
| Pretax return on assets | 8.2664% | 56 |
| Return on Equity (ROE) | 44.5900% | 92 |
| Retained earnings to average equity (ytd only) | 44.5935% | 40 |
| Net charge-offs to loans | -0.1059% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.3273% | 3,042 |
| Assets per employee ($millions) | 1.2073% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 3,187 |
| Loan loss allowance to noncurrent loans | 110.9402% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,632 |
| Noncurrent loans to loans | 0.9322% | 884 |
| Net loans and leases to total assets | 14.8500% | 4,457 |
| Net loans and leases to deposits | 22.7412% | 4,439 |
| Net loans and leases to core deposits | 22.9037% | 4,433 |
| Total domestic deposits to total assets | 65.2800% | 4,412 |
| Equity capital to assets | 13.1637% | 782 |
| Core capital (leverage) ratio | 12.8148% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $608,780,000 | 1,463 |
| Average earning assets | $493,195,500 | 1,652 |
| Average equity | $83,774,000 | 1,088 |
| Average total loans | $98,208,000 | 3,194 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4959% | 835 |
| Cost of funding earning assets | 0.4357% | 4,107 |
| Net interest margin | 5.0603% | 289 |
| Noninterest income to average assets | 11.7400% | 86 |
| Noninterest expense to average assets | 9.2638% | 113 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 5.0531% | 70 |
| Return on assets (ROA) | 5.0531% | 70 |
| Pretax return on assets | 6.8067% | 63 |
| Return on Equity (ROE) | 35.9000% | 138 |
| Retained earnings to average equity (ytd only) | 35.9046% | 59 |
| Net charge-offs to loans | -0.1167% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.6447% | 3,234 |
| Assets per employee ($millions) | 1.0916% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 3,871 |
| Loan loss allowance to noncurrent loans | 129.4274% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 2,781 |
| Noncurrent loans to loans | 0.6667% | 1,119 |
| Net loans and leases to total assets | 14.8700% | 4,488 |
| Net loans and leases to deposits | 34.2584% | 4,327 |
| Net loans and leases to core deposits | 34.6710% | 4,350 |
| Total domestic deposits to total assets | 43.4000% | 4,537 |
| Equity capital to assets | 12.7982% | 861 |
| Core capital (leverage) ratio | 13.6644% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $532,825,667 | 1,660 |
| Average earning assets | $455,866,000 | 1,744 |
| Average equity | $74,987,667 | 1,170 |
| Average total loans | $89,108,333 | 3,305 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 1,395 |
| Cost of funding earning assets | 0.4693% | 3,779 |
| Net interest margin | 4.4390% | 641 |
| Noninterest income to average assets | 4.6100% | 134 |
| Noninterest expense to average assets | 5.8282% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1948% | 372 |
| Return on assets (ROA) | 2.1948% | 370 |
| Pretax return on assets | 3.0548% | 191 |
| Return on Equity (ROE) | 14.4400% | 1,684 |
| Retained earnings to average equity (ytd only) | 14.4358% | 881 |
| Net charge-offs to loans | -0.1965% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.6111% | 2,254 |
| Assets per employee ($millions) | 1.9086% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,188 |
| Loan loss allowance to noncurrent loans | 110.7514% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 2,122 |
| Noncurrent loans to loans | 0.9693% | 768 |
| Net loans and leases to total assets | 19.2700% | 4,522 |
| Net loans and leases to deposits | 22.8379% | 4,521 |
| Net loans and leases to core deposits | 23.0984% | 4,517 |
| Total domestic deposits to total assets | 84.3900% | 3,000 |
| Equity capital to assets | 15.3487% | 450 |
| Core capital (leverage) ratio | 15.2886% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $423,730,000 | 1,963 |
| Average earning assets | $408,291,000 | 1,907 |
| Average equity | $64,423,000 | 1,326 |
| Average total loans | $77,341,500 | 3,496 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5491% | 4,654 |
| Cost of funding earning assets | 0.2662% | 3,194 |
| Net interest margin | 1.2830% | 4,653 |
| Noninterest income to average assets | 4.0200% | 145 |
| Noninterest expense to average assets | 4.8684% | 228 |
| Loan and lease loss provision to assets | 0.4000% | 177 |
| Net operating income to assets | -0.1481% | 4,601 |
| Return on assets (ROA) | -0.1481% | 4,589 |
| Pretax return on assets | -0.2060% | 4,593 |
| Return on Equity (ROE) | -0.9600% | 4,574 |
| Retained earnings to average equity (ytd only) | -0.9628% | 4,450 |
| Net charge-offs to loans | -0.1121% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 96.0868% | 194 |
| Assets per employee ($millions) | 1.3955% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 1,480 |
| Loan loss allowance to noncurrent loans | 91.2698% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 1,775 |
| Noncurrent loans to loans | 1.5403% | 422 |
| Net loans and leases to total assets | 16.5700% | 4,570 |
| Net loans and leases to deposits | 19.5405% | 4,571 |
| Net loans and leases to core deposits | 19.8503% | 4,561 |
| Total domestic deposits to total assets | 84.8100% | 3,039 |
| Equity capital to assets | 15.0358% | 468 |
| Core capital (leverage) ratio | 25.8593% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $207,297,800 | 2,996 |
| Average earning assets | $169,449,000 | 3,161 |
| Average equity | $31,887,600 | 2,248 |
| Average total loans | $66,911,600 | 3,629 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4518% | 4,736 |
| Cost of funding earning assets | 0.0823% | 4,403 |
| Net interest margin | 0.3696% | 4,735 |
| Noninterest income to average assets | 2.1300% | 248 |
| Noninterest expense to average assets | 2.4047% | 2,306 |
| Loan and lease loss provision to assets | 0.6900% | 68 |
| Net operating income to assets | -0.4978% | 4,679 |
| Return on assets (ROA) | -0.4978% | 4,665 |
| Pretax return on assets | -0.6931% | 4,677 |
| Return on Equity (ROE) | -3.1900% | 4,636 |
| Retained earnings to average equity (ytd only) | -3.1926% | 4,543 |
| Net charge-offs to loans | -0.0159% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 100.1029% | 156 |
| Assets per employee ($millions) | 0.5285% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,564 |
| Loan loss allowance to noncurrent loans | 78.4007% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 800 |
| Noncurrent loans to loans | 1.8031% | 352 |
| Net loans and leases to total assets | 35.9600% | 4,229 |
| Net loans and leases to deposits | 44.4931% | 4,092 |
| Net loans and leases to core deposits | 46.5387% | 4,079 |
| Total domestic deposits to total assets | 80.8300% | 4,011 |
| Equity capital to assets | 18.7376% | 249 |
| Core capital (leverage) ratio | 15.7793% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $161,788,000 | 3,358 |
| Average earning assets | $118,329,500 | 3,667 |
| Average equity | $25,224,500 | 2,611 |
| Average total loans | $67,279,000 | 3,637 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3969% | 2,445 |
| Cost of funding earning assets | 0.4943% | 532 |
| Net interest margin | 2.9026% | 3,167 |
| Noninterest income to average assets | 33.1439% | 27 |
| Noninterest expense to average assets | 34.8502% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1706% | 4,457 |
| Return on assets (ROA) | 0.1706% | 4,420 |
| Pretax return on assets | 0.2391% | 4,362 |
| Return on Equity (ROE) | 1.1759% | 4,441 |
| Retained earnings to average equity (ytd only) | 1.1759% | 3,951 |
| Net charge-offs to loans | -0.0230% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3185% | 196 |
| Assets per employee ($millions) | 0.4697% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 734 |
| Loan loss allowance to noncurrent loans | 186.2857% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 1,231 |
| Noncurrent loans to loans | 0.9949% | 842 |
| Net loans and leases to total assets | 45.2367% | 3,753 |
| Net loans and leases to deposits | 53.6340% | 3,563 |
| Net loans and leases to core deposits | 56.8445% | 3,502 |
| Total domestic deposits to total assets | 84.3433% | 3,614 |
| Equity capital to assets | 15.1280% | 389 |
| Core capital (leverage) ratio | 15.2405% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,578,667 | 3,404 |
| Average earning assets | $107,628,000 | 3,828 |
| Average equity | $23,301,000 | 2,793 |
| Average total loans | $69,591,333 | 3,626 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 980 |
| Cost of funding earning assets | 0.6076% | 250 |
| Net interest margin | 3.2553% | 1,702 |
| Noninterest income to average assets | 38.6315% | 26 |
| Noninterest expense to average assets | 39.7473% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4789% | 3,764 |
| Return on assets (ROA) | 0.4789% | 3,732 |
| Pretax return on assets | 0.6685% | 3,477 |
| Return on Equity (ROE) | 3.3669% | 4,018 |
| Retained earnings to average equity (ytd only) | 3.3669% | 3,151 |
| Net charge-offs to loans | -0.0173% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3459% | 273 |
| Assets per employee ($millions) | 0.4218% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8923% | 754 |
| Loan loss allowance to noncurrent loans | 185.5714% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 1,408 |
| Noncurrent loans to loans | 1.0197% | 890 |
| Net loans and leases to total assets | 41.5827% | 3,907 |
| Net loans and leases to deposits | 50.9182% | 3,653 |
| Net loans and leases to core deposits | 53.8211% | 3,603 |
| Total domestic deposits to total assets | 81.6657% | 4,119 |
| Equity capital to assets | 14.4390% | 456 |
| Core capital (leverage) ratio | 14.4184% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,539,500 | 3,386 |
| Average earning assets | $90,191,500 | 4,020 |
| Average equity | $23,404,500 | 2,877 |
| Average total loans | $69,206,500 | 3,634 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9440% | 1,505 |
| Cost of funding earning assets | 0.5975% | 554 |
| Net interest margin | 3.3465% | 2,185 |
| Noninterest income to average assets | 71.5901% | 15 |
| Noninterest expense to average assets | 68.8715% | 14 |
| Loan and lease loss provision to assets | 0.0942% | 1,329 |
| Net operating income to assets | 3.3897% | 79 |
| Return on assets (ROA) | 3.3897% | 82 |
| Pretax return on assets | 4.7201% | 62 |
| Return on Equity (ROE) | 25.5458% | 111 |
| Retained earnings to average equity (ytd only) | 25.5458% | 23 |
| Net charge-offs to loans | -0.0379% | 4,207 |
| Credit loss provision to net charge-offs | -468.7500% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4664% | 242 |
| Assets per employee ($millions) | 0.4307% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8577% | 788 |
| Loan loss allowance to noncurrent loans | 184.8787% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 1,562 |
| Noncurrent loans to loans | 1.0048% | 981 |
| Net loans and leases to total assets | 40.9712% | 4,034 |
| Net loans and leases to deposits | 49.9792% | 3,883 |
| Net loans and leases to core deposits | 52.7171% | 3,842 |
| Total domestic deposits to total assets | 81.9765% | 3,969 |
| Equity capital to assets | 14.0161% | 661 |
| Core capital (leverage) ratio | 14.2499% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,274,800 | 3,398 |
| Average earning assets | $99,747,000 | 3,908 |
| Average equity | $21,134,600 | 3,127 |
| Average total loans | $84,523,000 | 3,410 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8799% | 1,817 |
| Cost of funding earning assets | 0.5789% | 709 |
| Net interest margin | 3.3010% | 2,411 |
| Noninterest income to average assets | 76.6605% | 15 |
| Noninterest expense to average assets | 73.3526% | 14 |
| Loan and lease loss provision to assets | 0.1271% | 917 |
| Net operating income to assets | 3.8368% | 73 |
| Return on assets (ROA) | 3.8368% | 74 |
| Pretax return on assets | 5.3412% | 57 |
| Return on Equity (ROE) | 29.3537% | 103 |
| Retained earnings to average equity (ytd only) | 29.3537% | 31 |
| Net charge-offs to loans | -0.0333% | 4,178 |
| Credit loss provision to net charge-offs | -681.8182% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0624% | 251 |
| Assets per employee ($millions) | 0.4238% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 1,054 |
| Loan loss allowance to noncurrent loans | 149.1879% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 1,429 |
| Noncurrent loans to loans | 1.1568% | 967 |
| Net loans and leases to total assets | 45.2350% | 3,854 |
| Net loans and leases to deposits | 55.2891% | 3,638 |
| Net loans and leases to core deposits | 58.1037% | 3,624 |
| Total domestic deposits to total assets | 81.8154% | 3,957 |
| Equity capital to assets | 13.9508% | 747 |
| Core capital (leverage) ratio | 14.0567% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,314,750 | 3,453 |
| Average earning assets | $102,956,250 | 3,923 |
| Average equity | $20,562,500 | 3,205 |
| Average total loans | $88,212,500 | 3,407 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6932% | 2,353 |
| Cost of funding earning assets | 0.5497% | 943 |
| Net interest margin | 3.1435% | 2,912 |
| Noninterest income to average assets | 81.6498% | 16 |
| Noninterest expense to average assets | 77.7561% | 11 |
| Loan and lease loss provision to assets | 0.1926% | 582 |
| Net operating income to assets | 4.2147% | 67 |
| Return on assets (ROA) | 4.2147% | 67 |
| Pretax return on assets | 5.8669% | 59 |
| Return on Equity (ROE) | 33.0143% | 74 |
| Retained earnings to average equity (ytd only) | 33.0143% | 25 |
| Net charge-offs to loans | -0.0366% | 4,236 |
| Credit loss provision to net charge-offs | -882.3529% | 3,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7705% | 275 |
| Assets per employee ($millions) | 0.4088% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,454 |
| Loan loss allowance to noncurrent loans | 213.1448% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 2,119 |
| Noncurrent loans to loans | 0.7225% | 1,638 |
| Net loans and leases to total assets | 50.5962% | 3,492 |
| Net loans and leases to deposits | 62.9221% | 3,110 |
| Net loans and leases to core deposits | 65.3767% | 3,168 |
| Total domestic deposits to total assets | 80.4108% | 4,165 |
| Equity capital to assets | 13.2149% | 888 |
| Core capital (leverage) ratio | 13.8151% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,789,667 | 3,470 |
| Average earning assets | $107,332,333 | 3,901 |
| Average equity | $19,888,333 | 3,256 |
| Average total loans | $92,777,667 | 3,357 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6234% | 2,568 |
| Cost of funding earning assets | 0.5156% | 1,301 |
| Net interest margin | 3.1079% | 2,961 |
| Noninterest income to average assets | 91.7633% | 14 |
| Noninterest expense to average assets | 87.0078% | 10 |
| Loan and lease loss provision to assets | 0.3928% | 200 |
| Net operating income to assets | 4.7555% | 61 |
| Return on assets (ROA) | 4.7555% | 62 |
| Pretax return on assets | 6.6200% | 54 |
| Return on Equity (ROE) | 37.9579% | 73 |
| Retained earnings to average equity (ytd only) | 37.9579% | 41 |
| Net charge-offs to loans | -0.0451% | 4,351 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5412% | 313 |
| Assets per employee ($millions) | 0.4113% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,558 |
| Loan loss allowance to noncurrent loans | 210.0494% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 2,274 |
| Noncurrent loans to loans | 0.6069% | 2,049 |
| Net loans and leases to total assets | 62.0403% | 2,282 |
| Net loans and leases to deposits | 78.9497% | 1,621 |
| Net loans and leases to core deposits | 81.8780% | 1,848 |
| Total domestic deposits to total assets | 78.5821% | 4,371 |
| Equity capital to assets | 12.5678% | 1,060 |
| Core capital (leverage) ratio | 13.8210% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,749,500 | 3,505 |
| Average earning assets | $110,944,000 | 3,861 |
| Average equity | $19,137,000 | 3,316 |
| Average total loans | $97,576,000 | 3,294 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7633% | 3,405 |
| Cost of funding earning assets | 0.6119% | 2,228 |
| Net interest margin | 3.1514% | 3,491 |
| Noninterest income to average assets | 79.8593% | 15 |
| Noninterest expense to average assets | 75.8947% | 10 |
| Loan and lease loss provision to assets | 0.3687% | 897 |
| Net operating income to assets | 4.4723% | 50 |
| Return on assets (ROA) | 4.4723% | 50 |
| Pretax return on assets | 6.2264% | 40 |
| Return on Equity (ROE) | 37.2530% | 42 |
| Retained earnings to average equity (ytd only) | 32.0808% | 23 |
| Net charge-offs to loans | 0.0465% | 2,136 |
| Credit loss provision to net charge-offs | 1,158.5366% | 700 |
| Earnings coverage of net charge-offs (x) | 207.2439% | 453 |
| Efficiency ratio | 92.0049% | 315 |
| Assets per employee ($millions) | 0.4279% | 4,982 |
| Cash dividends to net income (ytd only)* | 13.8841% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 3,103 |
| Loan loss allowance to noncurrent loans | 135.8537% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 1,886 |
| Noncurrent loans to loans | 0.8620% | 1,638 |
| Net loans and leases to total assets | 64.2478% | 2,327 |
| Net loans and leases to deposits | 82.4699% | 1,606 |
| Net loans and leases to core deposits | 90.6233% | 1,482 |
| Total domestic deposits to total assets | 77.9046% | 4,329 |
| Equity capital to assets | 12.4855% | 1,334 |
| Core capital (leverage) ratio | 13.2967% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,837,800 | 3,639 |
| Average earning assets | $107,538,000 | 3,804 |
| Average equity | $15,467,200 | 3,614 |
| Average total loans | $88,243,800 | 3,429 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6371% | 3,935 |
| Cost of funding earning assets | 0.6347% | 2,407 |
| Net interest margin | 3.0024% | 3,971 |
| Noninterest income to average assets | 72.0605% | 16 |
| Noninterest expense to average assets | 69.1445% | 13 |
| Loan and lease loss provision to assets | 0.3479% | 1,091 |
| Net operating income to assets | 3.6926% | 61 |
| Return on assets (ROA) | 3.6926% | 64 |
| Pretax return on assets | 5.1420% | 52 |
| Return on Equity (ROE) | 31.1243% | 55 |
| Retained earnings to average equity (ytd only) | 31.1243% | 30 |
| Net charge-offs to loans | 0.0878% | 1,424 |
| Credit loss provision to net charge-offs | 570.1754% | 1,190 |
| Earnings coverage of net charge-offs (x) | 89.9123% | 851 |
| Efficiency ratio | 92.6440% | 290 |
| Assets per employee ($millions) | 0.4304% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,112 |
| Loan loss allowance to noncurrent loans | 145.1761% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 2,344 |
| Noncurrent loans to loans | 0.6101% | 2,273 |
| Net loans and leases to total assets | 74.6965% | 1,286 |
| Net loans and leases to deposits | 98.8953% | 581 |
| Net loans and leases to core deposits | 109.0558% | 728 |
| Total domestic deposits to total assets | 75.5309% | 4,464 |
| Equity capital to assets | 11.8096% | 1,791 |
| Core capital (leverage) ratio | 13.0598% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,462,750 | 3,688 |
| Average earning assets | $106,713,250 | 3,811 |
| Average equity | $14,766,250 | 3,679 |
| Average total loans | $86,521,500 | 3,477 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6351% | 4,204 |
| Cost of funding earning assets | 0.6786% | 2,509 |
| Net interest margin | 2.9566% | 4,216 |
| Noninterest income to average assets | 69.9838% | 16 |
| Noninterest expense to average assets | 68.0463% | 13 |
| Loan and lease loss provision to assets | 0.2951% | 1,458 |
| Net operating income to assets | 3.0250% | 81 |
| Return on assets (ROA) | 3.0250% | 87 |
| Pretax return on assets | 4.2138% | 58 |
| Return on Equity (ROE) | 25.4510% | 109 |
| Retained earnings to average equity (ytd only) | 25.4510% | 48 |
| Net charge-offs to loans | 0.1682% | 886 |
| Credit loss provision to net charge-offs | 261.1940% | 1,722 |
| Earnings coverage of net charge-offs (x) | 39.9104% | 1,251 |
| Efficiency ratio | 93.7856% | 300 |
| Assets per employee ($millions) | 0.5250% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 4,375 |
| Loan loss allowance to noncurrent loans | 282.4373% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 3,519 |
| Noncurrent loans to loans | 0.2782% | 3,384 |
| Net loans and leases to total assets | 72.6305% | 1,602 |
| Net loans and leases to deposits | 95.3409% | 847 |
| Net loans and leases to core deposits | 105.1423% | 937 |
| Total domestic deposits to total assets | 76.1798% | 4,409 |
| Equity capital to assets | 11.0361% | 2,311 |
| Core capital (leverage) ratio | 12.1524% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,610,333 | 3,741 |
| Average earning assets | $103,159,667 | 3,853 |
| Average equity | $14,097,667 | 3,754 |
| Average total loans | $79,684,667 | 3,579 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 4,213 |
| Cost of funding earning assets | 0.8252% | 2,247 |
| Net interest margin | 2.9851% | 4,306 |
| Noninterest income to average assets | 78.9993% | 15 |
| Noninterest expense to average assets | 77.0288% | 12 |
| Loan and lease loss provision to assets | 0.0914% | 2,544 |
| Net operating income to assets | 3.2100% | 55 |
| Return on assets (ROA) | 3.2100% | 54 |
| Pretax return on assets | 4.4713% | 40 |
| Return on Equity (ROE) | 25.8501% | 54 |
| Retained earnings to average equity (ytd only) | 25.8501% | 26 |
| Net charge-offs to loans | -0.0404% | 4,569 |
| Credit loss provision to net charge-offs | -357.1429% | 3,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4079% | 368 |
| Assets per employee ($millions) | 0.4118% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 3,791 |
| Loan loss allowance to noncurrent loans | 255.1971% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 3,247 |
| Noncurrent loans to loans | 0.3856% | 3,108 |
| Net loans and leases to total assets | 65.6444% | 2,854 |
| Net loans and leases to deposits | 76.0517% | 3,068 |
| Net loans and leases to core deposits | 85.0493% | 2,758 |
| Total domestic deposits to total assets | 86.3155% | 1,867 |
| Equity capital to assets | 12.9313% | 1,462 |
| Core capital (leverage) ratio | 12.9671% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,408,500 | 3,851 |
| Average earning assets | $95,005,500 | 3,943 |
| Average equity | $13,586,000 | 3,826 |
| Average total loans | $69,376,000 | 3,773 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 3,253 |
| Cost of funding earning assets | 0.9321% | 2,048 |
| Net interest margin | 3.4670% | 3,543 |
| Noninterest income to average assets | 64.7365% | 16 |
| Noninterest expense to average assets | 63.0490% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 3.3158% | 64 |
| Return on assets (ROA) | 3.3635% | 68 |
| Pretax return on assets | 4.6866% | 54 |
| Return on Equity (ROE) | 29.0025% | 43 |
| Retained earnings to average equity (ytd only) | 29.0025% | 12 |
| Net charge-offs to loans | -0.0135% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1640% | 263 |
| Assets per employee ($millions) | 0.4047% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 3,352 |
| Loan loss allowance to noncurrent loans | 1,014.9254% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 3,994 |
| Noncurrent loans to loans | 0.1009% | 4,122 |
| Net loans and leases to total assets | 59.9181% | 3,589 |
| Net loans and leases to deposits | 68.4345% | 3,784 |
| Net loans and leases to core deposits | 75.2582% | 3,628 |
| Total domestic deposits to total assets | 87.5554% | 1,341 |
| Equity capital to assets | 11.8976% | 2,202 |
| Core capital (leverage) ratio | 11.9017% | 1,840 |
| Tier 1 risk-based capital ratio | 23.3397% | 884 |
| Total risk-based capital ratio | 24.5903% | 865 |
| Memoranda: | ||
| Average total assets | $96,060,200 | 4,062 |
| Average earning assets | $81,425,000 | 4,161 |
| Average equity | $11,140,400 | 4,106 |
| Average total loans | $59,202,000 | 4,001 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 2,728 |
| Cost of funding earning assets | 0.9268% | 2,101 |
| Net interest margin | 3.6714% | 3,022 |
| Noninterest income to average assets | 57.7032% | 16 |
| Noninterest expense to average assets | 55.8239% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 3.5603% | 57 |
| Return on assets (ROA) | 3.6262% | 60 |
| Pretax return on assets | 5.0523% | 46 |
| Return on Equity (ROE) | 31.5093% | 35 |
| Retained earnings to average equity (ytd only) | 31.5093% | 14 |
| Net charge-offs to loans | 0.0186% | 2,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 431.4789% | 232 |
| Efficiency ratio | 91.8266% | 276 |
| Assets per employee ($millions) | 0.4079% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,314 |
| Loan loss allowance to noncurrent loans | 199.3994% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 2,934 |
| Noncurrent loans to loans | 0.5245% | 2,719 |
| Net loans and leases to total assets | 60.6444% | 3,624 |
| Net loans and leases to deposits | 69.3261% | 3,809 |
| Net loans and leases to core deposits | 76.4561% | 3,666 |
| Total domestic deposits to total assets | 87.4771% | 1,270 |
| Equity capital to assets | 11.9264% | 2,313 |
| Core capital (leverage) ratio | 12.0245% | 1,834 |
| Tier 1 risk-based capital ratio | 22.7155% | 983 |
| Total risk-based capital ratio | 23.9679% | 958 |
| Memoranda: | ||
| Average total assets | $92,655,750 | 4,152 |
| Average earning assets | $77,970,250 | 4,267 |
| Average equity | $10,663,250 | 4,208 |
| Average total loans | $57,403,250 | 4,072 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 2,407 |
| Cost of funding earning assets | 0.9070% | 2,106 |
| Net interest margin | 3.7791% | 2,651 |
| Noninterest income to average assets | 48.1880% | 20 |
| Noninterest expense to average assets | 48.5430% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0214% | 372 |
| Return on assets (ROA) | 2.1279% | 320 |
| Pretax return on assets | 2.9255% | 131 |
| Return on Equity (ROE) | 18.7537% | 336 |
| Retained earnings to average equity (ytd only) | 18.7537% | 75 |
| Net charge-offs to loans | 0.0506% | 1,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 88.7143% | 755 |
| Efficiency ratio | 94.5636% | 225 |
| Assets per employee ($millions) | 0.4019% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 2,940 |
| Loan loss allowance to noncurrent loans | 142.7332% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6867% | 1,999 |
| Noncurrent loans to loans | 0.7872% | 2,019 |
| Net loans and leases to total assets | 62.9078% | 3,462 |
| Net loans and leases to deposits | 71.5843% | 3,717 |
| Net loans and leases to core deposits | 78.8423% | 3,514 |
| Total domestic deposits to total assets | 87.8793% | 1,156 |
| Equity capital to assets | 11.6774% | 2,465 |
| Core capital (leverage) ratio | 10.6206% | 2,963 |
| Tier 1 risk-based capital ratio | 19.1727% | 1,518 |
| Total risk-based capital ratio | 20.4247% | 1,478 |
| Memoranda: | ||
| Average total assets | $89,009,670 | 4,239 |
| Average earning assets | $74,091,330 | 4,371 |
| Average equity | $10,099,330 | 4,287 |
| Average total loans | $55,375,000 | 4,137 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 2,367 |
| Cost of funding earning assets | 0.8450% | 2,295 |
| Net interest margin | 3.8079% | 2,500 |
| Noninterest income to average assets | 35.4081% | 25 |
| Noninterest expense to average assets | 37.0951% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0789% | 2,552 |
| Return on assets (ROA) | 1.0789% | 2,598 |
| Pretax return on assets | 1.4858% | 1,817 |
| Return on Equity (ROE) | 9.6573% | 2,518 |
| Retained earnings to average equity (ytd only) | 9.6573% | 1,120 |
| Net charge-offs to loans | 0.4760% | 320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.0781% | 2,280 |
| Efficiency ratio | 96.1488% | 222 |
| Assets per employee ($millions) | 0.4557% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 2,950 |
| Loan loss allowance to noncurrent loans | 37.3006% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.0397% | 467 |
| Noncurrent loans to loans | 3.0367% | 355 |
| Net loans and leases to total assets | 59.1182% | 3,778 |
| Net loans and leases to deposits | 66.8877% | 3,994 |
| Net loans and leases to core deposits | 73.8111% | 3,807 |
| Total domestic deposits to total assets | 88.3842% | 1,140 |
| Equity capital to assets | 11.0621% | 2,788 |
| Core capital (leverage) ratio | 10.1749% | 3,418 |
| Tier 1 risk-based capital ratio | 17.1520% | 2,065 |
| Total risk-based capital ratio | 18.3885% | 2,012 |
| Memoranda: | ||
| Average total assets | $87,494,000 | 4,305 |
| Average earning assets | $72,901,500 | 4,433 |
| Average equity | $9,775,000 | 4,360 |
| Average total loans | $53,783,000 | 4,219 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 2,533 |
| Cost of funding earning assets | 0.5919% | 2,783 |
| Net interest margin | 3.8827% | 2,386 |
| Noninterest income to average assets | 23.0496% | 37 |
| Noninterest expense to average assets | 26.8564% | 32 |
| Loan and lease loss provision to assets | -0.1551% | 5,305 |
| Net operating income to assets | -0.3754% | 5,308 |
| Return on assets (ROA) | -0.3754% | 5,302 |
| Pretax return on assets | -0.5084% | 5,313 |
| Return on Equity (ROE) | -3.3197% | 5,294 |
| Retained earnings to average equity (ytd only) | -3.3197% | 5,191 |
| Net charge-offs to loans | -0.0919% | 5,130 |
| Credit loss provision to net charge-offs | 260.7843% | 1,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5328% | 122 |
| Assets per employee ($millions) | 0.5013% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,314 |
| Loan loss allowance to noncurrent loans | 22.6491% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 3.6563% | 138 |
| Noncurrent loans to loans | 5.5057% | 93 |
| Net loans and leases to total assets | 62.4463% | 3,523 |
| Net loans and leases to deposits | 70.7856% | 3,764 |
| Net loans and leases to core deposits | 76.1672% | 3,704 |
| Total domestic deposits to total assets | 88.2190% | 1,202 |
| Equity capital to assets | 11.2882% | 2,424 |
| Core capital (leverage) ratio | 9.7254% | 3,881 |
| Tier 1 risk-based capital ratio | 16.2935% | 2,311 |
| Total risk-based capital ratio | 17.5444% | 2,257 |
| Memoranda: | ||
| Average total assets | $85,767,400 | 4,332 |
| Average earning assets | $69,436,200 | 4,505 |
| Average equity | $9,699,600 | 4,350 |
| Average total loans | $55,501,200 | 4,196 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 2,701 |
| Cost of funding earning assets | 0.5093% | 3,134 |
| Net interest margin | 3.8678% | 2,410 |
| Noninterest income to average assets | 23.1478% | 39 |
| Noninterest expense to average assets | 27.2577% | 31 |
| Loan and lease loss provision to assets | -0.2064% | 5,403 |
| Net operating income to assets | -0.5805% | 5,396 |
| Return on assets (ROA) | -0.5805% | 5,390 |
| Pretax return on assets | -0.7916% | 5,403 |
| Return on Equity (ROE) | -5.1304% | 5,395 |
| Retained earnings to average equity (ytd only) | -5.1304% | 5,322 |
| Net charge-offs to loans | -0.0930% | 5,143 |
| Credit loss provision to net charge-offs | 341.0256% | 920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8005% | 109 |
| Assets per employee ($millions) | 0.4840% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,705 |
| Loan loss allowance to noncurrent loans | 29.8373% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 2.8038% | 281 |
| Noncurrent loans to loans | 3.9748% | 207 |
| Net loans and leases to total assets | 65.3038% | 3,276 |
| Net loans and leases to deposits | 73.9753% | 3,596 |
| Net loans and leases to core deposits | 77.4467% | 3,699 |
| Total domestic deposits to total assets | 88.2778% | 1,128 |
| Equity capital to assets | 11.2673% | 2,415 |
| Core capital (leverage) ratio | 10.1748% | 3,436 |
| Tier 1 risk-based capital ratio | 16.1644% | 2,386 |
| Total risk-based capital ratio | 17.4143% | 2,332 |
| Memoranda: | ||
| Average total assets | $85,903,750 | 4,374 |
| Average earning assets | $69,116,250 | 4,557 |
| Average equity | $9,719,500 | 4,381 |
| Average total loans | $55,904,000 | 4,234 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,767 |
| Cost of funding earning assets | 0.4508% | 3,350 |
| Net interest margin | 3.8467% | 2,398 |
| Noninterest income to average assets | 24.8505% | 34 |
| Noninterest expense to average assets | 29.1388% | 31 |
| Loan and lease loss provision to assets | -0.3099% | 5,495 |
| Net operating income to assets | -0.6592% | 5,455 |
| Return on assets (ROA) | -0.6592% | 5,448 |
| Pretax return on assets | -0.8997% | 5,463 |
| Return on Equity (ROE) | -5.8183% | 5,449 |
| Retained earnings to average equity (ytd only) | -5.8183% | 5,320 |
| Net charge-offs to loans | -0.1679% | 5,294 |
| Credit loss provision to net charge-offs | 285.1064% | 1,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3313% | 125 |
| Assets per employee ($millions) | 0.6395% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,923 |
| Loan loss allowance to noncurrent loans | 28.2747% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 3.0402% | 240 |
| Noncurrent loans to loans | 4.1077% | 209 |
| Net loans and leases to total assets | 68.8074% | 2,751 |
| Net loans and leases to deposits | 78.2277% | 3,137 |
| Net loans and leases to core deposits | 82.6459% | 3,193 |
| Total domestic deposits to total assets | 87.9579% | 1,402 |
| Equity capital to assets | 11.6396% | 2,099 |
| Core capital (leverage) ratio | 10.7583% | 2,746 |
| Tier 1 risk-based capital ratio | 16.5774% | 2,235 |
| Total risk-based capital ratio | 17.8562% | 2,170 |
| Memoranda: | ||
| Average total assets | $86,469,000 | 4,403 |
| Average earning assets | $69,203,000 | 4,602 |
| Average equity | $9,796,670 | 4,411 |
| Average total loans | $55,988,330 | 4,257 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 2,663 |
| Cost of funding earning assets | 0.4566% | 3,153 |
| Net interest margin | 3.8053% | 2,406 |
| Noninterest income to average assets | 31.2153% | 30 |
| Noninterest expense to average assets | 35.1540% | 27 |
| Loan and lease loss provision to assets | -0.6059% | 5,582 |
| Net operating income to assets | -0.2080% | 5,449 |
| Return on assets (ROA) | -0.2080% | 5,444 |
| Pretax return on assets | -0.2804% | 5,463 |
| Return on Equity (ROE) | -1.8597% | 5,448 |
| Retained earnings to average equity (ytd only) | -1.8597% | 4,996 |
| Net charge-offs to loans | -0.1158% | 5,255 |
| Credit loss provision to net charge-offs | 837.5000% | 400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5864% | 151 |
| Assets per employee ($millions) | 0.5737% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 2,996 |
| Loan loss allowance to noncurrent loans | 39.2593% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.1264% | 507 |
| Noncurrent loans to loans | 2.9714% | 406 |
| Net loans and leases to total assets | 64.7702% | 3,205 |
| Net loans and leases to deposits | 74.0548% | 3,411 |
| Net loans and leases to core deposits | 74.3163% | 3,793 |
| Total domestic deposits to total assets | 87.4626% | 1,916 |
| Equity capital to assets | 11.8270% | 1,898 |
| Core capital (leverage) ratio | 10.4003% | 3,065 |
| Tier 1 risk-based capital ratio | 17.5680% | 1,955 |
| Total risk-based capital ratio | 18.8218% | 1,908 |
| Memoranda: | ||
| Average total assets | $88,456,500 | 4,424 |
| Average earning assets | $70,953,000 | 4,617 |
| Average equity | $9,894,000 | 4,440 |
| Average total loans | $55,268,000 | 4,320 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 4,009 |
| Cost of funding earning assets | 0.4438% | 2,838 |
| Net interest margin | 3.3691% | 3,938 |
| Noninterest income to average assets | 35.7021% | 27 |
| Noninterest expense to average assets | 37.7365% | 25 |
| Loan and lease loss provision to assets | -0.1101% | 5,487 |
| Net operating income to assets | -0.1625% | 5,439 |
| Return on assets (ROA) | -0.1625% | 5,440 |
| Pretax return on assets | 0.9004% | 3,927 |
| Return on Equity (ROE) | -1.5129% | 5,443 |
| Retained earnings to average equity (ytd only) | -1.5129% | 5,227 |
| Net charge-offs to loans | -0.1530% | 5,473 |
| Credit loss provision to net charge-offs | 123.5294% | 2,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9487% | 206 |
| Assets per employee ($millions) | 0.5858% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 1,992 |
| Loan loss allowance to noncurrent loans | 59.6047% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.5077% | 908 |
| Noncurrent loans to loans | 2.2582% | 632 |
| Net loans and leases to total assets | 58.9648% | 3,924 |
| Net loans and leases to deposits | 66.8954% | 4,114 |
| Net loans and leases to core deposits | 67.1034% | 4,357 |
| Total domestic deposits to total assets | 88.1447% | 1,410 |
| Equity capital to assets | 10.6154% | 3,032 |
| Core capital (leverage) ratio | 9.6282% | 3,891 |
| Tier 1 risk-based capital ratio | 16.1242% | 2,389 |
| Total risk-based capital ratio | 17.3969% | 2,323 |
| Memoranda: | ||
| Average total assets | $95,406,200 | 4,322 |
| Average earning assets | $79,991,600 | 4,463 |
| Average equity | $10,245,000 | 4,416 |
| Average total loans | $55,560,600 | 4,309 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 4,145 |
| Cost of funding earning assets | 0.4288% | 2,893 |
| Net interest margin | 3.3301% | 4,077 |
| Noninterest income to average assets | 35.4476% | 30 |
| Noninterest expense to average assets | 37.4275% | 29 |
| Loan and lease loss provision to assets | -0.1461% | 5,626 |
| Net operating income to assets | 0.5969% | 4,405 |
| Return on assets (ROA) | 0.5969% | 4,442 |
| Pretax return on assets | 0.9865% | 3,739 |
| Return on Equity (ROE) | 5.5431% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.5431% | 2,512 |
| Net charge-offs to loans | -0.1250% | 5,438 |
| Credit loss provision to net charge-offs | 201.9231% | 1,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8040% | 205 |
| Assets per employee ($millions) | 0.5122% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 2,178 |
| Loan loss allowance to noncurrent loans | 61.5713% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 1,368 |
| Noncurrent loans to loans | 2.1701% | 755 |
| Net loans and leases to total assets | 54.7040% | 4,351 |
| Net loans and leases to deposits | 62.3663% | 4,490 |
| Net loans and leases to core deposits | 62.5532% | 4,674 |
| Total domestic deposits to total assets | 87.7140% | 1,513 |
| Equity capital to assets | 10.8650% | 3,000 |
| Core capital (leverage) ratio | 9.4966% | 4,175 |
| Tier 1 risk-based capital ratio | 16.8611% | 2,197 |
| Total risk-based capital ratio | 18.1488% | 2,140 |
| Memoranda: | ||
| Average total assets | $95,827,250 | 4,354 |
| Average earning assets | $81,155,750 | 4,486 |
| Average equity | $10,319,000 | 4,443 |
| Average total loans | $55,446,500 | 4,347 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 4,237 |
| Cost of funding earning assets | 0.4100% | 2,977 |
| Net interest margin | 3.2877% | 4,149 |
| Noninterest income to average assets | 34.1239% | 32 |
| Noninterest expense to average assets | 36.4086% | 29 |
| Loan and lease loss provision to assets | -0.3042% | 5,732 |
| Net operating income to assets | 0.4909% | 4,729 |
| Return on assets (ROA) | 0.4909% | 4,764 |
| Pretax return on assets | 0.8119% | 4,227 |
| Return on Equity (ROE) | 4.5730% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.5730% | 2,989 |
| Net charge-offs to loans | -0.1359% | 5,498 |
| Credit loss provision to net charge-offs | 381.5789% | 808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6247% | 206 |
| Assets per employee ($millions) | 0.4998% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,902 |
| Loan loss allowance to noncurrent loans | 51.9470% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 1,186 |
| Noncurrent loans to loans | 2.3473% | 669 |
| Net loans and leases to total assets | 56.9038% | 4,135 |
| Net loans and leases to deposits | 64.7210% | 4,321 |
| Net loans and leases to core deposits | 64.9193% | 4,542 |
| Total domestic deposits to total assets | 87.9216% | 1,497 |
| Equity capital to assets | 10.9252% | 2,899 |
| Core capital (leverage) ratio | 9.2047% | 4,483 |
| Tier 1 risk-based capital ratio | 15.8252% | 2,575 |
| Total risk-based capital ratio | 17.0711% | 2,511 |
| Memoranda: | ||
| Average total assets | $95,329,000 | 4,391 |
| Average earning assets | $80,969,670 | 4,517 |
| Average equity | $10,234,000 | 4,477 |
| Average total loans | $55,942,000 | 4,355 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,223 |
| Cost of funding earning assets | 0.3595% | 3,427 |
| Net interest margin | 3.3042% | 3,992 |
| Noninterest income to average assets | 31.3330% | 34 |
| Noninterest expense to average assets | 34.1053% | 30 |
| Loan and lease loss provision to assets | -0.3978% | 5,826 |
| Net operating income to assets | 0.2596% | 5,289 |
| Return on assets (ROA) | 0.2596% | 5,307 |
| Pretax return on assets | 0.4355% | 5,090 |
| Return on Equity (ROE) | 2.4400% | 5,247 |
| Retained earnings to average equity (ytd only) | 2.4400% | 4,169 |
| Net charge-offs to loans | -0.1768% | 5,598 |
| Credit loss provision to net charge-offs | 380.0000% | 672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8896% | 226 |
| Assets per employee ($millions) | 0.5417% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,515 |
| Loan loss allowance to noncurrent loans | 38.2193% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.0142% | 656 |
| Noncurrent loans to loans | 3.4152% | 369 |
| Net loans and leases to total assets | 54.5924% | 4,292 |
| Net loans and leases to deposits | 61.8373% | 4,446 |
| Net loans and leases to core deposits | 62.0210% | 4,659 |
| Total domestic deposits to total assets | 88.2840% | 1,545 |
| Equity capital to assets | 10.4556% | 3,228 |
| Core capital (leverage) ratio | 9.2723% | 4,380 |
| Tier 1 risk-based capital ratio | 15.1901% | 2,878 |
| Total risk-based capital ratio | 16.4803% | 2,798 |
| Memoranda: | ||
| Average total assets | $95,516,000 | 4,426 |
| Average earning assets | $81,231,000 | 4,563 |
| Average equity | $10,164,000 | 4,515 |
| Average total loans | $56,563,000 | 4,387 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6471% | 4,378 |
| Cost of funding earning assets | 0.5540% | 1,652 |
| Net interest margin | 3.0931% | 4,746 |
| Noninterest income to average assets | 45.4236% | 26 |
| Noninterest expense to average assets | 46.3483% | 23 |
| Loan and lease loss provision to assets | -0.0653% | 5,621 |
| Net operating income to assets | 2.3793% | 173 |
| Return on assets (ROA) | 2.3773% | 178 |
| Pretax return on assets | 1.8166% | 768 |
| Return on Equity (ROE) | 28.4821% | 50 |
| Retained earnings to average equity (ytd only) | 28.4821% | 18 |
| Net charge-offs to loans | 0.1628% | 1,658 |
| Credit loss provision to net charge-offs | -68.0412% | 4,842 |
| Earnings coverage of net charge-offs (x) | 18.2784% | 1,976 |
| Efficiency ratio | 96.3549% | 298 |
| Assets per employee ($millions) | 0.5196% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 2,504 |
| Loan loss allowance to noncurrent loans | 42.4342% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.0807% | 642 |
| Noncurrent loans to loans | 3.0816% | 433 |
| Net loans and leases to total assets | 62.4610% | 3,552 |
| Net loans and leases to deposits | 71.1887% | 3,791 |
| Net loans and leases to core deposits | 71.4106% | 4,120 |
| Total domestic deposits to total assets | 87.7400% | 1,773 |
| Equity capital to assets | 10.8347% | 2,779 |
| Core capital (leverage) ratio | 9.1774% | 4,511 |
| Tier 1 risk-based capital ratio | 12.8555% | 4,162 |
| Total risk-based capital ratio | 14.0824% | 4,080 |
| Memoranda: | ||
| Average total assets | $101,121,400 | 4,334 |
| Average earning assets | $87,549,600 | 4,446 |
| Average equity | $8,440,400 | 4,855 |
| Average total loans | $59,576,600 | 4,312 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 4,457 |
| Cost of funding earning assets | 0.5906% | 1,406 |
| Net interest margin | 3.0425% | 4,920 |
| Noninterest income to average assets | 45.3270% | 25 |
| Noninterest expense to average assets | 46.6030% | 23 |
| Loan and lease loss provision to assets | -0.0854% | 5,771 |
| Net operating income to assets | 0.8636% | 3,085 |
| Return on assets (ROA) | 0.8619% | 3,220 |
| Pretax return on assets | 1.4534% | 1,868 |
| Return on Equity (ROE) | 11.0759% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.0759% | 418 |
| Net charge-offs to loans | 0.2815% | 817 |
| Credit loss provision to net charge-offs | -52.3810% | 4,686 |
| Earnings coverage of net charge-offs (x) | 8.4045% | 2,771 |
| Efficiency ratio | 97.1431% | 282 |
| Assets per employee ($millions) | 0.4886% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,698 |
| Loan loss allowance to noncurrent loans | 38.8021% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 2.1803% | 679 |
| Noncurrent loans to loans | 3.3463% | 405 |
| Net loans and leases to total assets | 61.0061% | 3,744 |
| Net loans and leases to deposits | 68.8476% | 4,085 |
| Net loans and leases to core deposits | 69.0609% | 4,393 |
| Total domestic deposits to total assets | 88.6104% | 1,103 |
| Equity capital to assets | 9.1113% | 5,058 |
| Core capital (leverage) ratio | 8.2024% | 5,577 |
| Tier 1 risk-based capital ratio | 11.6695% | 4,997 |
| Total risk-based capital ratio | 12.8791% | 4,929 |
| Memoranda: | ||
| Average total assets | $103,020,750 | 4,338 |
| Average earning assets | $89,618,000 | 4,433 |
| Average equity | $8,017,250 | 4,983 |
| Average total loans | $59,673,250 | 4,339 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5872% | 4,630 |
| Cost of funding earning assets | 0.6548% | 1,030 |
| Net interest margin | 2.9324% | 5,204 |
| Noninterest income to average assets | 35.0073% | 30 |
| Noninterest expense to average assets | 36.8285% | 25 |
| Loan and lease loss provision to assets | -0.3571% | 5,995 |
| Net operating income to assets | 0.6424% | 4,086 |
| Return on assets (ROA) | 0.6484% | 4,192 |
| Pretax return on assets | 1.0957% | 3,213 |
| Return on Equity (ROE) | 8.7671% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.7671% | 913 |
| Net charge-offs to loans | -0.4136% | 5,926 |
| Credit loss provision to net charge-offs | 152.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0584% | 283 |
| Assets per employee ($millions) | 0.5121% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 2,004 |
| Loan loss allowance to noncurrent loans | 48.6336% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.8610% | 436 |
| Noncurrent loans to loans | 3.0122% | 495 |
| Net loans and leases to total assets | 65.4478% | 3,163 |
| Net loans and leases to deposits | 73.4144% | 3,665 |
| Net loans and leases to core deposits | 73.8814% | 3,993 |
| Total domestic deposits to total assets | 89.1484% | 851 |
| Equity capital to assets | 9.1243% | 5,141 |
| Core capital (leverage) ratio | 6.3697% | 5,983 |
| Tier 1 risk-based capital ratio | 11.0845% | 5,376 |
| Total risk-based capital ratio | 12.3547% | 5,279 |
| Memoranda: | ||
| Average total assets | $106,417,670 | 4,303 |
| Average earning assets | $92,551,000 | 4,410 |
| Average equity | $7,870,330 | 5,048 |
| Average total loans | $60,438,670 | 4,329 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4408% | 5,026 |
| Cost of funding earning assets | 0.5920% | 1,387 |
| Net interest margin | 2.8488% | 5,396 |
| Noninterest income to average assets | 29.1558% | 30 |
| Noninterest expense to average assets | 31.2496% | 28 |
| Loan and lease loss provision to assets | -0.3832% | 6,067 |
| Net operating income to assets | 0.4583% | 4,794 |
| Return on assets (ROA) | 0.5051% | 4,709 |
| Pretax return on assets | 0.8605% | 4,002 |
| Return on Equity (ROE) | 7.5159% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.5159% | 1,658 |
| Net charge-offs to loans | 0.1971% | 1,009 |
| Credit loss provision to net charge-offs | -366.6667% | 4,468 |
| Earnings coverage of net charge-offs (x) | 3.8667% | 2,495 |
| Efficiency ratio | 98.7233% | 322 |
| Assets per employee ($millions) | 0.6593% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 2,667 |
| Loan loss allowance to noncurrent loans | 42.4162% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.3835% | 646 |
| Noncurrent loans to loans | 3.1797% | 480 |
| Net loans and leases to total assets | 50.5261% | 4,759 |
| Net loans and leases to deposits | 55.0367% | 5,033 |
| Net loans and leases to core deposits | 55.2999% | 5,172 |
| Total domestic deposits to total assets | 91.8043% | 127 |
| Equity capital to assets | 6.8505% | 6,021 |
| Core capital (leverage) ratio | 5.6774% | 6,075 |
| Tier 1 risk-based capital ratio | 10.4130% | 5,786 |
| Total risk-based capital ratio | 11.6849% | 5,697 |
| Memoranda: | ||
| Average total assets | $114,817,500 | 4,170 |
| Average earning assets | $100,675,000 | 4,281 |
| Average equity | $7,717,000 | 5,107 |
| Average total loans | $60,895,500 | 4,348 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4575% | 5,033 |
| Cost of funding earning assets | 0.6208% | 1,229 |
| Net interest margin | 2.8366% | 5,448 |
| Noninterest income to average assets | 25.2929% | 35 |
| Noninterest expense to average assets | 26.7473% | 29 |
| Loan and lease loss provision to assets | 0.1015% | 2,292 |
| Net operating income to assets | 0.6989% | 3,811 |
| Return on assets (ROA) | 0.7002% | 3,915 |
| Pretax return on assets | 0.9378% | 3,700 |
| Return on Equity (ROE) | 11.5067% | 1,435 |
| Retained earnings to average equity (ytd only) | 11.5067% | 291 |
| Net charge-offs to loans | 1.0890% | 177 |
| Credit loss provision to net charge-offs | 16.6205% | 3,776 |
| Earnings coverage of net charge-offs (x) | 1.6994% | 4,046 |
| Efficiency ratio | 96.2657% | 387 |
| Assets per employee ($millions) | 0.7141% | 6,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 2,036 |
| Loan loss allowance to noncurrent loans | 46.4321% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 2.5898% | 581 |
| Noncurrent loans to loans | 3.2186% | 470 |
| Net loans and leases to total assets | 54.0545% | 4,496 |
| Net loans and leases to deposits | 58.7065% | 4,867 |
| Net loans and leases to core deposits | 59.1303% | 5,037 |
| Total domestic deposits to total assets | 92.0758% | 106 |
| Equity capital to assets | 6.5904% | 6,091 |
| Core capital (leverage) ratio | 5.1649% | 6,144 |
| Tier 1 risk-based capital ratio | 8.9955% | 6,105 |
| Total risk-based capital ratio | 10.2687% | 6,092 |
| Memoranda: | ||
| Average total assets | $118,258,600 | 4,095 |
| Average earning assets | $103,891,200 | 4,190 |
| Average equity | $7,195,800 | 5,211 |
| Average total loans | $66,302,200 | 4,186 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 4,939 |
| Cost of funding earning assets | 0.6324% | 1,194 |
| Net interest margin | 2.8851% | 5,441 |
| Noninterest income to average assets | 25.7048% | 35 |
| Noninterest expense to average assets | 26.9468% | 31 |
| Loan and lease loss provision to assets | 0.2236% | 832 |
| Net operating income to assets | 0.6361% | 4,206 |
| Return on assets (ROA) | 0.6361% | 4,316 |
| Pretax return on assets | 1.0744% | 3,319 |
| Return on Equity (ROE) | 10.6668% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.6668% | 527 |
| Net charge-offs to loans | 1.4562% | 101 |
| Credit loss provision to net charge-offs | 27.2480% | 3,302 |
| Earnings coverage of net charge-offs (x) | 1.5817% | 3,804 |
| Efficiency ratio | 95.4045% | 433 |
| Assets per employee ($millions) | 0.6537% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,791 |
| Loan loss allowance to noncurrent loans | 72.1464% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 2.0838% | 955 |
| Noncurrent loans to loans | 2.2200% | 984 |
| Net loans and leases to total assets | 52.4709% | 4,711 |
| Net loans and leases to deposits | 57.5923% | 5,024 |
| Net loans and leases to core deposits | 58.1362% | 5,182 |
| Total domestic deposits to total assets | 91.1074% | 224 |
| Equity capital to assets | 6.3287% | 6,187 |
| Core capital (leverage) ratio | 4.9483% | 6,229 |
| Tier 1 risk-based capital ratio | 8.7621% | 6,201 |
| Total risk-based capital ratio | 10.0379% | 6,198 |
| Memoranda: | ||
| Average total assets | $119,259,000 | 4,129 |
| Average earning assets | $104,996,750 | 4,209 |
| Average equity | $7,112,250 | 5,291 |
| Average total loans | $67,203,250 | 4,200 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 4,879 |
| Cost of funding earning assets | 0.6246% | 1,262 |
| Net interest margin | 2.9169% | 5,411 |
| Noninterest income to average assets | 3.9737% | 159 |
| Noninterest expense to average assets | 5.0556% | 282 |
| Loan and lease loss provision to assets | 0.2671% | 621 |
| Net operating income to assets | 0.7263% | 3,758 |
| Return on assets (ROA) | 0.7263% | 3,881 |
| Pretax return on assets | 1.2238% | 2,682 |
| Return on Equity (ROE) | 12.4274% | 1,249 |
| Retained earnings to average equity (ytd only) | 12.4274% | 357 |
| Net charge-offs to loans | 1.4646% | 119 |
| Credit loss provision to net charge-offs | 31.8091% | 2,907 |
| Earnings coverage of net charge-offs (x) | 1.7753% | 3,453 |
| Efficiency ratio | 77.2252% | 2,170 |
| Assets per employee ($millions) | 0.6648% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 1,297 |
| Loan loss allowance to noncurrent loans | 44.2963% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 2.4068% | 806 |
| Noncurrent loans to loans | 4.1468% | 351 |
| Net loans and leases to total assets | 53.4134% | 4,623 |
| Net loans and leases to deposits | 58.3587% | 4,968 |
| Net loans and leases to core deposits | 58.7632% | 5,146 |
| Total domestic deposits to total assets | 91.5261% | 180 |
| Equity capital to assets | 5.9869% | 6,272 |
| Core capital (leverage) ratio | 4.6937% | 6,306 |
| Tier 1 risk-based capital ratio | 7.2716% | 6,303 |
| Total risk-based capital ratio | 8.5441% | 6,303 |
| Memoranda: | ||
| Average total assets | $119,788,330 | 4,162 |
| Average earning assets | $105,661,670 | 4,227 |
| Average equity | $7,000,670 | 5,359 |
| Average total loans | $68,688,330 | 4,198 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5392% | 4,860 |
| Cost of funding earning assets | 0.6183% | 1,315 |
| Net interest margin | 2.9209% | 5,405 |
| Noninterest income to average assets | 3.5944% | 183 |
| Noninterest expense to average assets | 5.1497% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6007% | 4,287 |
| Return on assets (ROA) | 0.6007% | 4,384 |
| Pretax return on assets | 1.0146% | 3,436 |
| Return on Equity (ROE) | 10.4061% | 1,829 |
| Retained earnings to average equity (ytd only) | 10.4061% | 827 |
| Net charge-offs to loans | 1.6403% | 112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.0519% | 2,974 |
| Efficiency ratio | 83.5409% | 1,426 |
| Assets per employee ($millions) | 0.6802% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 1,580 |
| Loan loss allowance to noncurrent loans | 48.2439% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.3024% | 972 |
| Noncurrent loans to loans | 3.6533% | 504 |
| Net loans and leases to total assets | 56.9047% | 4,099 |
| Net loans and leases to deposits | 62.0264% | 4,566 |
| Net loans and leases to core deposits | 62.4450% | 4,816 |
| Total domestic deposits to total assets | 91.7428% | 185 |
| Equity capital to assets | 5.7474% | 6,344 |
| Core capital (leverage) ratio | 4.4372% | 6,384 |
| Tier 1 risk-based capital ratio | 7.1068% | 6,375 |
| Total risk-based capital ratio | 8.3631% | 6,374 |
| Memoranda: | ||
| Average total assets | $119,852,000 | 4,185 |
| Average earning assets | $105,448,500 | 4,264 |
| Average equity | $6,919,000 | 5,418 |
| Average total loans | $70,477,000 | 4,171 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9646% | 3,857 |
| Cost of funding earning assets | 0.7282% | 959 |
| Net interest margin | 3.2364% | 4,810 |
| Noninterest income to average assets | 1.8706% | 380 |
| Noninterest expense to average assets | 4.6655% | 401 |
| Loan and lease loss provision to assets | 0.3215% | 614 |
| Net operating income to assets | -0.1786% | 6,198 |
| Return on assets (ROA) | -0.1754% | 6,192 |
| Pretax return on assets | -0.2873% | 6,219 |
| Return on Equity (ROE) | -3.2585% | 6,259 |
| Retained earnings to average equity (ytd only) | -3.2585% | 6,108 |
| Net charge-offs to loans | 0.8032% | 433 |
| Credit loss provision to net charge-offs | 65.8120% | 3,164 |
| Earnings coverage of net charge-offs (x) | 0.0598% | 4,703 |
| Efficiency ratio | 99.3774% | 381 |
| Assets per employee ($millions) | 0.7329% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1976% | 825 |
| Loan loss allowance to noncurrent loans | 51.8531% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 2.9719% | 686 |
| Noncurrent loans to loans | 4.2381% | 411 |
| Net loans and leases to total assets | 58.4074% | 4,003 |
| Net loans and leases to deposits | 63.7111% | 4,554 |
| Net loans and leases to core deposits | 64.3111% | 4,806 |
| Total domestic deposits to total assets | 91.6753% | 191 |
| Equity capital to assets | 5.7996% | 6,423 |
| Core capital (leverage) ratio | 4.6342% | 6,467 |
| Tier 1 risk-based capital ratio | 7.5947% | 6,455 |
| Total risk-based capital ratio | 8.8568% | 6,455 |
| Memoranda: | ||
| Average total assets | $119,750,400 | 4,185 |
| Average earning assets | $104,498,800 | 4,300 |
| Average equity | $6,444,600 | 5,543 |
| Average total loans | $72,831,800 | 4,099 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 3,782 |
| Cost of funding earning assets | 0.7473% | 899 |
| Net interest margin | 3.2474% | 4,799 |
| Noninterest income to average assets | 1.5507% | 525 |
| Noninterest expense to average assets | 4.5436% | 441 |
| Loan and lease loss provision to assets | 0.5372% | 273 |
| Net operating income to assets | -0.4220% | 6,349 |
| Return on assets (ROA) | -0.4220% | 6,348 |
| Pretax return on assets | -0.7000% | 6,402 |
| Return on Equity (ROE) | -7.9929% | 6,419 |
| Retained earnings to average equity (ytd only) | -7.9929% | 6,343 |
| Net charge-offs to loans | 1.0607% | 278 |
| Credit loss provision to net charge-offs | 82.9060% | 2,545 |
| Earnings coverage of net charge-offs (x) | -0.2513% | 4,480 |
| Efficiency ratio | 103.7168% | 299 |
| Assets per employee ($millions) | 0.6382% | 6,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2314% | 903 |
| Loan loss allowance to noncurrent loans | 46.7885% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 3.6174% | 582 |
| Noncurrent loans to loans | 4.7692% | 396 |
| Net loans and leases to total assets | 60.8226% | 3,654 |
| Net loans and leases to deposits | 67.0032% | 4,234 |
| Net loans and leases to core deposits | 67.6355% | 4,546 |
| Total domestic deposits to total assets | 90.7757% | 426 |
| Equity capital to assets | 5.4799% | 6,506 |
| Core capital (leverage) ratio | 4.2928% | 6,548 |
| Tier 1 risk-based capital ratio | 6.7843% | 6,538 |
| Total risk-based capital ratio | 8.0472% | 6,538 |
| Memoranda: | ||
| Average total assets | $120,371,500 | 4,207 |
| Average earning assets | $104,901,750 | 4,328 |
| Average equity | $6,355,500 | 5,611 |
| Average total loans | $73,532,000 | 4,103 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 3,592 |
| Cost of funding earning assets | 0.7629% | 868 |
| Net interest margin | 3.2748% | 4,683 |
| Noninterest income to average assets | 1.0599% | 1,060 |
| Noninterest expense to average assets | 4.5799% | 415 |
| Loan and lease loss provision to assets | 0.8007% | 153 |
| Net operating income to assets | -0.8783% | 6,514 |
| Return on assets (ROA) | -0.8783% | 6,514 |
| Pretax return on assets | -1.4644% | 6,556 |
| Return on Equity (ROE) | -16.8426% | 6,564 |
| Retained earnings to average equity (ytd only) | -16.8426% | 6,515 |
| Net charge-offs to loans | 1.0740% | 315 |
| Credit loss provision to net charge-offs | 122.7848% | 1,694 |
| Earnings coverage of net charge-offs (x) | -1.0177% | 4,207 |
| Efficiency ratio | 116.9477% | 164 |
| Assets per employee ($millions) | 1.0137% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5643% | 652 |
| Loan loss allowance to noncurrent loans | 47.0422% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 4.2077% | 486 |
| Noncurrent loans to loans | 5.4511% | 338 |
| Net loans and leases to total assets | 58.1002% | 3,980 |
| Net loans and leases to deposits | 63.7268% | 4,525 |
| Net loans and leases to core deposits | 64.7788% | 4,747 |
| Total domestic deposits to total assets | 91.1708% | 356 |
| Equity capital to assets | 5.2511% | 6,575 |
| Core capital (leverage) ratio | 3.6883% | 6,618 |
| Tier 1 risk-based capital ratio | 6.2386% | 6,610 |
| Total risk-based capital ratio | 7.5055% | 6,609 |
| Memoranda: | ||
| Average total assets | $121,139,330 | 4,211 |
| Average earning assets | $105,654,000 | 4,335 |
| Average equity | $6,317,330 | 5,654 |
| Average total loans | $73,559,000 | 4,118 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9922% | 3,719 |
| Cost of funding earning assets | 0.7767% | 853 |
| Net interest margin | 3.2155% | 4,877 |
| Noninterest income to average assets | 0.6399% | 2,517 |
| Noninterest expense to average assets | 4.5381% | 442 |
| Loan and lease loss provision to assets | 1.5914% | 54 |
| Net operating income to assets | -1.6046% | 6,640 |
| Return on assets (ROA) | -1.6046% | 6,635 |
| Pretax return on assets | -2.6776% | 6,673 |
| Return on Equity (ROE) | -30.8736% | 6,665 |
| Retained earnings to average equity (ytd only) | -30.8736% | 6,620 |
| Net charge-offs to loans | 0.9052% | 386 |
| Credit loss provision to net charge-offs | 286.9822% | 822 |
| Earnings coverage of net charge-offs (x) | -1.9586% | 3,535 |
| Efficiency ratio | 131.4639% | 113 |
| Assets per employee ($millions) | 4.2304% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8919% | 490 |
| Loan loss allowance to noncurrent loans | 47.9580% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 4.2150% | 538 |
| Noncurrent loans to loans | 6.0301% | 299 |
| Net loans and leases to total assets | 56.2475% | 4,118 |
| Net loans and leases to deposits | 61.5380% | 4,601 |
| Net loans and leases to core deposits | 62.5238% | 4,824 |
| Total domestic deposits to total assets | 91.4029% | 415 |
| Equity capital to assets | 5.0138% | 6,635 |
| Core capital (leverage) ratio | 3.6592% | 6,685 |
| Tier 1 risk-based capital ratio | 6.2802% | 6,672 |
| Total risk-based capital ratio | 7.5520% | 6,670 |
| Memoranda: | ||
| Average total assets | $121,902,000 | 4,235 |
| Average earning assets | $106,608,000 | 4,349 |
| Average equity | $6,335,500 | 5,686 |
| Average total loans | $74,676,000 | 4,114 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 1,411 |
| Cost of funding earning assets | 0.9927% | 460 |
| Net interest margin | 3.7665% | 2,779 |
| Noninterest income to average assets | 0.3023% | 5,183 |
| Noninterest expense to average assets | 4.3494% | 599 |
| Loan and lease loss provision to assets | 1.3171% | 119 |
| Net operating income to assets | -1.2216% | 6,640 |
| Return on assets (ROA) | -1.2101% | 6,641 |
| Pretax return on assets | -2.0158% | 6,710 |
| Return on Equity (ROE) | -20.7725% | 6,689 |
| Retained earnings to average equity (ytd only) | -20.7725% | 6,674 |
| Net charge-offs to loans | 1.8325% | 218 |
| Credit loss provision to net charge-offs | 102.3945% | 2,363 |
| Earnings coverage of net charge-offs (x) | -0.5570% | 5,208 |
| Efficiency ratio | 119.7233% | 179 |
| Assets per employee ($millions) | 3.4607% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,151 |
| Loan loss allowance to noncurrent loans | 54.2759% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 2.8599% | 1,128 |
| Noncurrent loans to loans | 4.0924% | 699 |
| Net loans and leases to total assets | 63.2027% | 3,180 |
| Net loans and leases to deposits | 69.4743% | 3,845 |
| Net loans and leases to core deposits | 72.2812% | 4,033 |
| Total domestic deposits to total assets | 90.9728% | 583 |
| Equity capital to assets | 5.3830% | 6,665 |
| Core capital (leverage) ratio | 4.3721% | 6,734 |
| Tier 1 risk-based capital ratio | 7.0901% | 6,727 |
| Total risk-based capital ratio | 8.3539% | 6,727 |
| Memoranda: | ||
| Average total assets | $123,373,800 | 4,205 |
| Average earning assets | $109,093,800 | 4,288 |
| Average equity | $7,187,400 | 5,523 |
| Average total loans | $86,604,200 | 3,767 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9225% | 1,081 |
| Cost of funding earning assets | 1.0073% | 473 |
| Net interest margin | 3.9152% | 2,216 |
| Noninterest income to average assets | 0.1151% | 6,434 |
| Noninterest expense to average assets | 4.2418% | 664 |
| Loan and lease loss provision to assets | 1.7267% | 58 |
| Net operating income to assets | -1.4309% | 6,753 |
| Return on assets (ROA) | -1.4157% | 6,753 |
| Pretax return on assets | -2.3592% | 6,814 |
| Return on Equity (ROE) | -23.8586% | 6,792 |
| Retained earnings to average equity (ytd only) | -23.8586% | 6,780 |
| Net charge-offs to loans | 1.9154% | 207 |
| Credit loss provision to net charge-offs | 125.9812% | 1,867 |
| Earnings coverage of net charge-offs (x) | -0.4788% | 4,950 |
| Efficiency ratio | 118.3018% | 185 |
| Assets per employee ($millions) | 3.3489% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4844% | 952 |
| Loan loss allowance to noncurrent loans | 68.9983% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.9321% | 1,266 |
| Noncurrent loans to loans | 3.6007% | 1,045 |
| Net loans and leases to total assets | 66.1549% | 2,614 |
| Net loans and leases to deposits | 73.9909% | 3,232 |
| Net loans and leases to core deposits | 77.7624% | 3,390 |
| Total domestic deposits to total assets | 89.4095% | 1,353 |
| Equity capital to assets | 5.6561% | 6,723 |
| Core capital (leverage) ratio | 4.6400% | 6,799 |
| Tier 1 risk-based capital ratio | 7.3088% | 6,790 |
| Total risk-based capital ratio | 8.5755% | 6,789 |
| Memoranda: | ||
| Average total assets | $123,936,500 | 4,226 |
| Average earning assets | $109,859,500 | 4,307 |
| Average equity | $7,354,250 | 5,549 |
| Average total loans | $88,682,250 | 3,745 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 893 |
| Cost of funding earning assets | 0.9872% | 575 |
| Net interest margin | 4.0243% | 1,778 |
| Noninterest income to average assets | -0.2959% | 6,888 |
| Noninterest expense to average assets | 4.1755% | 718 |
| Loan and lease loss provision to assets | 2.5667% | 34 |
| Net operating income to assets | -2.0919% | 6,854 |
| Return on assets (ROA) | -2.0694% | 6,858 |
| Pretax return on assets | -3.4239% | 6,903 |
| Return on Equity (ROE) | -34.3570% | 6,872 |
| Retained earnings to average equity (ytd only) | -34.3570% | 6,864 |
| Net charge-offs to loans | 2.2774% | 176 |
| Credit loss provision to net charge-offs | 154.9228% | 1,489 |
| Earnings coverage of net charge-offs (x) | -0.5386% | 4,668 |
| Efficiency ratio | 127.1797% | 147 |
| Assets per employee ($millions) | 3.8012% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5533% | 927 |
| Loan loss allowance to noncurrent loans | 65.5591% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 3.1266% | 1,275 |
| Noncurrent loans to loans | 3.8947% | 1,020 |
| Net loans and leases to total assets | 69.0325% | 2,059 |
| Net loans and leases to deposits | 76.7142% | 2,769 |
| Net loans and leases to core deposits | 80.6157% | 2,966 |
| Total domestic deposits to total assets | 89.9865% | 1,029 |
| Equity capital to assets | 5.4767% | 6,795 |
| Core capital (leverage) ratio | 4.7364% | 6,842 |
| Tier 1 risk-based capital ratio | 6.9531% | 6,847 |
| Total risk-based capital ratio | 8.2333% | 6,847 |
| Memoranda: | ||
| Average total assets | $125,061,670 | 4,241 |
| Average earning assets | $111,223,330 | 4,309 |
| Average equity | $7,532,670 | 5,554 |
| Average total loans | $90,980,000 | 3,702 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0166% | 862 |
| Cost of funding earning assets | 0.9660% | 722 |
| Net interest margin | 4.0506% | 1,612 |
| Noninterest income to average assets | -1.6209% | 7,012 |
| Noninterest expense to average assets | 4.1995% | 716 |
| Loan and lease loss provision to assets | 2.4345% | 42 |
| Net operating income to assets | -4.7152% | 6,997 |
| Return on assets (ROA) | -4.7152% | 6,997 |
| Pretax return on assets | -4.6416% | 6,995 |
| Return on Equity (ROE) | -74.8728% | 6,991 |
| Retained earnings to average equity (ytd only) | -74.8728% | 6,989 |
| Net charge-offs to loans | 3.0466% | 111 |
| Credit loss provision to net charge-offs | 108.4165% | 1,712 |
| Earnings coverage of net charge-offs (x) | -0.9829% | 3,966 |
| Efficiency ratio | 210.7717% | 29 |
| Assets per employee ($millions) | 3.5544% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 2,252 |
| Loan loss allowance to noncurrent loans | 47.0714% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 3.2322% | 1,348 |
| Noncurrent loans to loans | 4.0752% | 1,099 |
| Net loans and leases to total assets | 72.3369% | 1,303 |
| Net loans and leases to deposits | 80.8666% | 1,966 |
| Net loans and leases to core deposits | 84.6216% | 2,250 |
| Total domestic deposits to total assets | 89.4521% | 1,384 |
| Equity capital to assets | 5.7040% | 6,847 |
| Core capital (leverage) ratio | 5.0379% | 6,874 |
| Tier 1 risk-based capital ratio | 5.8206% | 6,935 |
| Total risk-based capital ratio | 6.9124% | 6,941 |
| Memoranda: | ||
| Average total assets | $124,872,000 | 4,287 |
| Average earning assets | $111,391,000 | 4,346 |
| Average equity | $7,864,000 | 5,523 |
| Average total loans | $92,038,000 | 3,694 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4042% | 749 |
| Cost of funding earning assets | 1.4337% | 221 |
| Net interest margin | 3.9705% | 2,523 |
| Noninterest income to average assets | 0.5273% | 3,729 |
| Noninterest expense to average assets | 3.8386% | 1,190 |
| Loan and lease loss provision to assets | 0.2807% | 2,407 |
| Net operating income to assets | -0.0895% | 6,275 |
| Return on assets (ROA) | 0.2792% | 5,757 |
| Pretax return on assets | 0.3126% | 5,798 |
| Return on Equity (ROE) | 4.3617% | 4,991 |
| Retained earnings to average equity (ytd only) | 4.3617% | 3,158 |
| Net charge-offs to loans | 1.2950% | 753 |
| Credit loss provision to net charge-offs | 29.2953% | 5,128 |
| Earnings coverage of net charge-offs (x) | 0.1869% | 5,387 |
| Efficiency ratio | 95.5430% | 725 |
| Assets per employee ($millions) | 3.6865% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 2,458 |
| Loan loss allowance to noncurrent loans | 37.4917% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 3.7402% | 1,187 |
| Noncurrent loans to loans | 4.9141% | 825 |
| Net loans and leases to total assets | 72.3033% | 1,442 |
| Net loans and leases to deposits | 81.8425% | 2,020 |
| Net loans and leases to core deposits | 88.2021% | 2,066 |
| Total domestic deposits to total assets | 88.3445% | 1,999 |
| Equity capital to assets | 6.8869% | 6,793 |
| Core capital (leverage) ratio | 5.9961% | 6,859 |
| Tier 1 risk-based capital ratio | 8.9506% | 6,853 |
| Total risk-based capital ratio | 10.2092% | 6,856 |
| Memoranda: | ||
| Average total assets | $131,792,000 | 4,110 |
| Average earning assets | $115,855,400 | 4,213 |
| Average equity | $8,437,000 | 5,375 |
| Average total loans | $97,530,200 | 3,583 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3819% | 865 |
| Cost of funding earning assets | 1.5615% | 149 |
| Net interest margin | 3.8204% | 3,243 |
| Noninterest income to average assets | 0.5087% | 3,860 |
| Noninterest expense to average assets | 3.8448% | 1,134 |
| Loan and lease loss provision to assets | 0.2099% | 2,971 |
| Net operating income to assets | -0.1263% | 6,428 |
| Return on assets (ROA) | 0.1839% | 6,114 |
| Pretax return on assets | 0.2888% | 5,978 |
| Return on Equity (ROE) | 2.9247% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.9247% | 4,804 |
| Net charge-offs to loans | 1.5244% | 560 |
| Credit loss provision to net charge-offs | 18.5841% | 4,974 |
| Earnings coverage of net charge-offs (x) | 0.0124% | 5,328 |
| Efficiency ratio | 99.6374% | 552 |
| Assets per employee ($millions) | 3.9848% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 2,897 |
| Loan loss allowance to noncurrent loans | 36.0310% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 3.6479% | 1,362 |
| Noncurrent loans to loans | 4.9145% | 925 |
| Net loans and leases to total assets | 70.6183% | 1,797 |
| Net loans and leases to deposits | 80.3021% | 2,344 |
| Net loans and leases to core deposits | 89.0610% | 2,096 |
| Total domestic deposits to total assets | 87.9407% | 2,077 |
| Equity capital to assets | 6.4487% | 6,949 |
| Core capital (leverage) ratio | 6.2529% | 6,920 |
| Tier 1 risk-based capital ratio | 8.9654% | 6,940 |
| Total risk-based capital ratio | 10.2235% | 6,943 |
| Memoranda: | ||
| Average total assets | $133,405,000 | 4,108 |
| Average earning assets | $116,982,000 | 4,227 |
| Average equity | $8,388,250 | 5,443 |
| Average total loans | $98,831,250 | 3,592 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4704% | 766 |
| Cost of funding earning assets | 1.6778% | 111 |
| Net interest margin | 3.7926% | 3,396 |
| Noninterest income to average assets | 0.5774% | 3,393 |
| Noninterest expense to average assets | 3.8720% | 1,115 |
| Loan and lease loss provision to assets | 0.1791% | 3,303 |
| Net operating income to assets | -0.1160% | 6,453 |
| Return on assets (ROA) | 0.1417% | 6,227 |
| Pretax return on assets | 0.2074% | 6,136 |
| Return on Equity (ROE) | 2.2734% | 5,957 |
| Retained earnings to average equity (ytd only) | 2.2734% | 5,056 |
| Net charge-offs to loans | 1.9489% | 439 |
| Credit loss provision to net charge-offs | 12.2825% | 4,710 |
| Earnings coverage of net charge-offs (x) | 0.0051% | 5,077 |
| Efficiency ratio | 99.8077% | 567 |
| Assets per employee ($millions) | 3.7587% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 2,774 |
| Loan loss allowance to noncurrent loans | 39.2768% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 3.4784% | 1,536 |
| Noncurrent loans to loans | 4.6401% | 1,122 |
| Net loans and leases to total assets | 71.1700% | 1,702 |
| Net loans and leases to deposits | 80.8572% | 2,255 |
| Net loans and leases to core deposits | 90.5667% | 1,924 |
| Total domestic deposits to total assets | 88.0194% | 2,126 |
| Equity capital to assets | 6.4111% | 6,994 |
| Core capital (leverage) ratio | 5.8483% | 7,003 |
| Tier 1 risk-based capital ratio | 8.7796% | 6,995 |
| Total risk-based capital ratio | 10.0366% | 6,997 |
| Memoranda: | ||
| Average total assets | $134,040,000 | 4,115 |
| Average earning assets | $116,701,000 | 4,246 |
| Average equity | $8,357,670 | 5,459 |
| Average total loans | $100,262,670 | 3,562 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3017% | 1,094 |
| Cost of funding earning assets | 1.6328% | 162 |
| Net interest margin | 3.6689% | 3,968 |
| Noninterest income to average assets | 0.5500% | 3,565 |
| Noninterest expense to average assets | 3.7285% | 1,335 |
| Loan and lease loss provision to assets | 0.1774% | 3,195 |
| Net operating income to assets | -0.0523% | 6,487 |
| Return on assets (ROA) | 0.1478% | 6,252 |
| Pretax return on assets | 0.2040% | 6,195 |
| Return on Equity (ROE) | 2.4040% | 5,942 |
| Retained earnings to average equity (ytd only) | 2.4040% | 5,064 |
| Net charge-offs to loans | 3.8126% | 159 |
| Credit loss provision to net charge-offs | 6.1287% | 3,943 |
| Earnings coverage of net charge-offs (x) | 0.0358% | 4,349 |
| Efficiency ratio | 97.2994% | 666 |
| Assets per employee ($millions) | 4.4806% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 3,452 |
| Loan loss allowance to noncurrent loans | 51.3017% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.5406% | 2,326 |
| Noncurrent loans to loans | 3.2624% | 1,963 |
| Net loans and leases to total assets | 73.2084% | 1,182 |
| Net loans and leases to deposits | 83.8969% | 1,674 |
| Net loans and leases to core deposits | 97.9174% | 1,131 |
| Total domestic deposits to total assets | 87.2600% | 2,796 |
| Equity capital to assets | 6.0951% | 7,066 |
| Core capital (leverage) ratio | 6.1130% | 7,024 |
| Tier 1 risk-based capital ratio | 8.7545% | 7,054 |
| Total risk-based capital ratio | 10.0109% | 7,059 |
| Memoranda: | ||
| Average total assets | $135,283,000 | 4,120 |
| Average earning assets | $121,017,500 | 4,176 |
| Average equity | $8,319,500 | 5,493 |
| Average total loans | $102,711,500 | 3,525 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1202% | 2,372 |
| Cost of funding earning assets | 2.1673% | 60 |
| Net interest margin | 2.9529% | 6,603 |
| Noninterest income to average assets | 0.3968% | 4,641 |
| Noninterest expense to average assets | 3.7383% | 1,461 |
| Loan and lease loss provision to assets | 2.3774% | 198 |
| Net operating income to assets | -3.0840% | 7,186 |
| Return on assets (ROA) | -2.8906% | 7,174 |
| Pretax return on assets | -2.9461% | 7,179 |
| Return on Equity (ROE) | -45.4364% | 7,186 |
| Retained earnings to average equity (ytd only) | -45.4364% | 7,183 |
| Net charge-offs to loans | 2.8971% | 348 |
| Credit loss provision to net charge-offs | 108.9209% | 3,089 |
| Earnings coverage of net charge-offs (x) | -0.3510% | 6,026 |
| Efficiency ratio | 125.7767% | 260 |
| Assets per employee ($millions) | 5.0425% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4625% | 1,367 |
| Loan loss allowance to noncurrent loans | 71.2833% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 2.7838% | 2,179 |
| Noncurrent loans to loans | 3.4545% | 1,862 |
| Net loans and leases to total assets | 75.4684% | 1,026 |
| Net loans and leases to deposits | 87.0650% | 1,512 |
| Net loans and leases to core deposits | 103.4296% | 935 |
| Total domestic deposits to total assets | 86.6806% | 2,926 |
| Equity capital to assets | 6.2036% | 7,076 |
| Core capital (leverage) ratio | 6.0351% | 7,053 |
| Tier 1 risk-based capital ratio | 8.8365% | 7,051 |
| Total risk-based capital ratio | 10.1054% | 7,052 |
| Memoranda: | ||
| Average total assets | $149,451,600 | 3,812 |
| Average earning assets | $130,346,000 | 3,923 |
| Average equity | $9,507,800 | 5,151 |
| Average total loans | $112,596,200 | 3,319 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 2,558 |
| Cost of funding earning assets | 2.2058% | 60 |
| Net interest margin | 2.9042% | 6,740 |
| Noninterest income to average assets | 0.3674% | 4,934 |
| Noninterest expense to average assets | 3.8050% | 1,296 |
| Loan and lease loss provision to assets | 2.7639% | 135 |
| Net operating income to assets | -4.4543% | 7,356 |
| Return on assets (ROA) | -4.1995% | 7,345 |
| Pretax return on assets | -3.4280% | 7,300 |
| Return on Equity (ROE) | -65.6469% | 7,337 |
| Retained earnings to average equity (ytd only) | -65.6469% | 7,334 |
| Net charge-offs to loans | 3.4518% | 233 |
| Credit loss provision to net charge-offs | 106.9210% | 3,092 |
| Earnings coverage of net charge-offs (x) | -0.3555% | 5,785 |
| Efficiency ratio | 131.8415% | 221 |
| Assets per employee ($millions) | 5.4215% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3842% | 1,561 |
| Loan loss allowance to noncurrent loans | 60.9329% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 3.1044% | 2,060 |
| Noncurrent loans to loans | 3.9128% | 1,701 |
| Net loans and leases to total assets | 72.8467% | 1,539 |
| Net loans and leases to deposits | 83.5305% | 2,085 |
| Net loans and leases to core deposits | 99.2787% | 1,313 |
| Total domestic deposits to total assets | 87.2098% | 2,525 |
| Equity capital to assets | 5.4172% | 7,233 |
| Core capital (leverage) ratio | 5.4407% | 7,191 |
| Tier 1 risk-based capital ratio | 7.9757% | 7,194 |
| Total risk-based capital ratio | 9.2385% | 7,196 |
| Memoranda: | ||
| Average total assets | $152,777,750 | 3,779 |
| Average earning assets | $132,495,750 | 3,903 |
| Average equity | $9,773,250 | 5,101 |
| Average total loans | $114,409,750 | 3,313 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 2,857 |
| Cost of funding earning assets | 2.1518% | 82 |
| Net interest margin | 2.9133% | 6,766 |
| Noninterest income to average assets | 0.1582% | 6,527 |
| Noninterest expense to average assets | 3.8464% | 1,282 |
| Loan and lease loss provision to assets | 3.4214% | 115 |
| Net operating income to assets | -5.8717% | 7,457 |
| Return on assets (ROA) | -5.8181% | 7,458 |
| Pretax return on assets | -4.4781% | 7,418 |
| Return on Equity (ROE) | -86.9568% | 7,424 |
| Retained earnings to average equity (ytd only) | -86.9568% | 7,422 |
| Net charge-offs to loans | 2.5042% | 476 |
| Credit loss provision to net charge-offs | 182.2570% | 1,655 |
| Earnings coverage of net charge-offs (x) | -0.5914% | 5,552 |
| Efficiency ratio | 140.5784% | 194 |
| Assets per employee ($millions) | 6.9865% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2319% | 739 |
| Loan loss allowance to noncurrent loans | 78.6786% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 3.7208% | 1,749 |
| Noncurrent loans to loans | 4.1077% | 1,671 |
| Net loans and leases to total assets | 71.6918% | 1,845 |
| Net loans and leases to deposits | 81.6361% | 2,502 |
| Net loans and leases to core deposits | 96.5841% | 1,621 |
| Total domestic deposits to total assets | 87.8187% | 2,270 |
| Equity capital to assets | 5.1603% | 7,316 |
| Core capital (leverage) ratio | 5.2541% | 7,281 |
| Tier 1 risk-based capital ratio | 7.9310% | 7,249 |
| Total risk-based capital ratio | 9.2152% | 7,252 |
| Memoranda: | ||
| Average total assets | $156,717,330 | 3,737 |
| Average earning assets | $138,672,000 | 3,810 |
| Average equity | $10,485,670 | 4,928 |
| Average total loans | $117,482,330 | 3,276 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 3,143 |
| Cost of funding earning assets | 2.1227% | 111 |
| Net interest margin | 2.8686% | 6,802 |
| Noninterest income to average assets | 0.3982% | 4,708 |
| Noninterest expense to average assets | 2.9434% | 3,878 |
| Loan and lease loss provision to assets | 0.2226% | 3,434 |
| Net operating income to assets | -0.1360% | 6,496 |
| Return on assets (ROA) | -0.1360% | 6,513 |
| Pretax return on assets | -0.2375% | 6,564 |
| Return on Equity (ROE) | -1.8421% | 6,568 |
| Retained earnings to average equity (ytd only) | -1.8421% | 6,120 |
| Net charge-offs to loans | 0.7483% | 1,722 |
| Credit loss provision to net charge-offs | 39.4737% | 3,961 |
| Earnings coverage of net charge-offs (x) | -0.0263% | 4,598 |
| Efficiency ratio | 100.5068% | 717 |
| Assets per employee ($millions) | 5.2500% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 2,785 |
| Loan loss allowance to noncurrent loans | 36.2890% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 3.8953% | 1,716 |
| Noncurrent loans to loans | 5.1572% | 1,298 |
| Net loans and leases to total assets | 72.0760% | 1,708 |
| Net loans and leases to deposits | 84.0309% | 2,020 |
| Net loans and leases to core deposits | 102.4244% | 1,167 |
| Total domestic deposits to total assets | 85.7732% | 3,654 |
| Equity capital to assets | 7.5404% | 6,850 |
| Core capital (leverage) ratio | 7.5195% | 6,715 |
| Tier 1 risk-based capital ratio | 10.3896% | 6,872 |
| Total risk-based capital ratio | 11.6473% | 6,850 |
| Memoranda: | ||
| Average total assets | $161,717,500 | 3,675 |
| Average earning assets | $142,646,000 | 3,778 |
| Average equity | $11,943,000 | 4,561 |
| Average total loans | $121,875,000 | 3,221 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9361% | 4,852 |
| Cost of funding earning assets | 2.4309% | 136 |
| Net interest margin | 2.5052% | 7,266 |
| Noninterest income to average assets | 1.0133% | 1,460 |
| Noninterest expense to average assets | 2.7066% | 4,963 |
| Loan and lease loss provision to assets | 0.9734% | 1,665 |
| Net operating income to assets | -0.2866% | 6,201 |
| Return on assets (ROA) | 0.2523% | 5,255 |
| Pretax return on assets | 0.3817% | 5,002 |
| Return on Equity (ROE) | 3.5397% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.5397% | 3,377 |
| Net charge-offs to loans | 1.5686% | 1,390 |
| Credit loss provision to net charge-offs | 81.9689% | 5,486 |
| Earnings coverage of net charge-offs (x) | 0.4535% | 5,656 |
| Efficiency ratio | 83.4038% | 1,996 |
| Assets per employee ($millions) | 5.0284% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 2,870 |
| Loan loss allowance to noncurrent loans | 42.6877% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 3.3609% | 2,087 |
| Noncurrent loans to loans | 4.2127% | 1,720 |
| Net loans and leases to total assets | 75.7901% | 1,322 |
| Net loans and leases to deposits | 91.7804% | 1,286 |
| Net loans and leases to core deposits | 113.2215% | 762 |
| Total domestic deposits to total assets | 82.5776% | 4,981 |
| Equity capital to assets | 7.2377% | 7,019 |
| Core capital (leverage) ratio | 7.0992% | 6,972 |
| Tier 1 risk-based capital ratio | 9.8965% | 7,021 |
| Total risk-based capital ratio | 11.1542% | 7,009 |
| Memoranda: | ||
| Average total assets | $167,665,400 | 3,579 |
| Average earning assets | $149,370,000 | 3,643 |
| Average equity | $11,950,200 | 4,626 |
| Average total loans | $126,925,200 | 3,180 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 5,388 |
| Cost of funding earning assets | 2.4572% | 167 |
| Net interest margin | 2.4155% | 7,428 |
| Noninterest income to average assets | 0.9074% | 1,771 |
| Noninterest expense to average assets | 2.6254% | 5,216 |
| Loan and lease loss provision to assets | 1.0763% | 1,360 |
| Net operating income to assets | -0.4268% | 6,542 |
| Return on assets (ROA) | 0.2721% | 5,434 |
| Pretax return on assets | 0.4069% | 5,196 |
| Return on Equity (ROE) | 3.8317% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.8317% | 3,761 |
| Net charge-offs to loans | 1.7856% | 1,088 |
| Credit loss provision to net charge-offs | 80.0118% | 5,134 |
| Earnings coverage of net charge-offs (x) | 0.3272% | 5,699 |
| Efficiency ratio | 85.6404% | 1,670 |
| Assets per employee ($millions) | 5.0762% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 2,877 |
| Loan loss allowance to noncurrent loans | 43.4124% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 3.3030% | 2,158 |
| Noncurrent loans to loans | 4.0859% | 1,818 |
| Net loans and leases to total assets | 76.7946% | 1,262 |
| Net loans and leases to deposits | 97.0758% | 878 |
| Net loans and leases to core deposits | 120.6662% | 588 |
| Total domestic deposits to total assets | 79.1079% | 5,997 |
| Equity capital to assets | 7.4561% | 7,151 |
| Core capital (leverage) ratio | 7.1147% | 7,102 |
| Tier 1 risk-based capital ratio | 9.5995% | 7,227 |
| Total risk-based capital ratio | 10.8575% | 7,216 |
| Memoranda: | ||
| Average total assets | $168,097,750 | 3,617 |
| Average earning assets | $150,194,000 | 3,679 |
| Average equity | $11,935,250 | 4,696 |
| Average total loans | $126,640,000 | 3,240 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 5,965 |
| Cost of funding earning assets | 2.4920% | 180 |
| Net interest margin | 2.2600% | 7,551 |
| Noninterest income to average assets | 0.8034% | 2,098 |
| Noninterest expense to average assets | 2.5444% | 5,547 |
| Loan and lease loss provision to assets | 1.3607% | 996 |
| Net operating income to assets | -1.0601% | 6,971 |
| Return on assets (ROA) | 0.0368% | 6,118 |
| Pretax return on assets | 0.0095% | 6,139 |
| Return on Equity (ROE) | 0.5276% | 6,075 |
| Retained earnings to average equity (ytd only) | 0.5276% | 5,549 |
| Net charge-offs to loans | 2.3371% | 750 |
| Credit loss provision to net charge-offs | 78.2638% | 4,757 |
| Earnings coverage of net charge-offs (x) | 0.1572% | 5,565 |
| Efficiency ratio | 90.2995% | 1,310 |
| Assets per employee ($millions) | 4.9784% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 2,549 |
| Loan loss allowance to noncurrent loans | 40.4277% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 3.5873% | 1,957 |
| Noncurrent loans to loans | 4.5890% | 1,575 |
| Net loans and leases to total assets | 73.2587% | 2,094 |
| Net loans and leases to deposits | 97.1452% | 947 |
| Net loans and leases to core deposits | 113.4573% | 946 |
| Total domestic deposits to total assets | 75.4115% | 6,792 |
| Equity capital to assets | 7.2046% | 7,271 |
| Core capital (leverage) ratio | 6.9214% | 7,232 |
| Tier 1 risk-based capital ratio | 9.5206% | 7,251 |
| Total risk-based capital ratio | 10.7809% | 7,251 |
| Memoranda: | ||
| Average total assets | $168,292,670 | 3,632 |
| Average earning assets | $149,997,000 | 3,706 |
| Average equity | $11,750,330 | 4,746 |
| Average total loans | $125,198,670 | 3,302 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 3,832 |
| Cost of funding earning assets | 2.5220% | 214 |
| Net interest margin | 2.7178% | 7,278 |
| Noninterest income to average assets | 0.7604% | 2,230 |
| Noninterest expense to average assets | 2.4600% | 5,872 |
| Loan and lease loss provision to assets | 0.4767% | 2,592 |
| Net operating income to assets | 0.1549% | 5,836 |
| Return on assets (ROA) | 0.1549% | 5,962 |
| Pretax return on assets | 0.2384% | 5,771 |
| Return on Equity (ROE) | 2.2554% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.2554% | 4,779 |
| Net charge-offs to loans | 1.7075% | 1,013 |
| Credit loss provision to net charge-offs | 37.5940% | 4,677 |
| Earnings coverage of net charge-offs (x) | 0.5639% | 4,526 |
| Efficiency ratio | 77.4775% | 2,978 |
| Assets per employee ($millions) | 5.0206% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 2,459 |
| Loan loss allowance to noncurrent loans | 32.6834% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 4.1764% | 1,628 |
| Noncurrent loans to loans | 5.8021% | 1,155 |
| Net loans and leases to total assets | 70.6155% | 2,778 |
| Net loans and leases to deposits | 98.7612% | 845 |
| Net loans and leases to core deposits | 109.7065% | 1,297 |
| Total domestic deposits to total assets | 71.5013% | 7,313 |
| Equity capital to assets | 6.7938% | 7,453 |
| Core capital (leverage) ratio | 6.8073% | 7,352 |
| Tier 1 risk-based capital ratio | 9.2379% | 7,415 |
| Total risk-based capital ratio | 10.4968% | 7,407 |
| Memoranda: | ||
| Average total assets | $167,806,000 | 3,698 |
| Average earning assets | $149,090,000 | 3,771 |
| Average equity | $11,528,000 | 4,844 |
| Average total loans | $124,625,000 | 3,372 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3093% | 5,129 |
| Cost of funding earning assets | 3.1231% | 158 |
| Net interest margin | 2.1862% | 7,652 |
| Noninterest income to average assets | 0.9007% | 1,936 |
| Noninterest expense to average assets | 2.7703% | 5,087 |
| Loan and lease loss provision to assets | 2.1443% | 985 |
| Net operating income to assets | -1.2577% | 6,741 |
| Return on assets (ROA) | -1.2577% | 6,746 |
| Pretax return on assets | -2.0737% | 6,969 |
| Return on Equity (ROE) | -17.0936% | 7,036 |
| Retained earnings to average equity (ytd only) | -17.0936% | 6,990 |
| Net charge-offs to loans | 2.0259% | 1,211 |
| Credit loss provision to net charge-offs | 131.8595% | 3,816 |
| Earnings coverage of net charge-offs (x) | 0.0434% | 6,137 |
| Efficiency ratio | 97.5141% | 1,238 |
| Assets per employee ($millions) | 4.8504% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1063% | 1,812 |
| Loan loss allowance to noncurrent loans | 44.6644% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 3.6140% | 1,846 |
| Noncurrent loans to loans | 4.7159% | 1,479 |
| Net loans and leases to total assets | 75.0202% | 2,026 |
| Net loans and leases to deposits | 106.1948% | 540 |
| Net loans and leases to core deposits | 168.2689% | 249 |
| Total domestic deposits to total assets | 70.6439% | 7,364 |
| Equity capital to assets | 6.9485% | 7,392 |
| Core capital (leverage) ratio | 7.3033% | 6,979 |
| Tier 1 risk-based capital ratio | 9.2881% | 7,340 |
| Total risk-based capital ratio | 10.5539% | 7,319 |
| Memoranda: | ||
| Average total assets | $155,760,200 | 3,866 |
| Average earning assets | $138,229,600 | 3,938 |
| Average equity | $11,460,400 | 4,893 |
| Average total loans | $125,028,400 | 3,372 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 5,225 |
| Cost of funding earning assets | 3.2277% | 173 |
| Net interest margin | 2.1117% | 7,754 |
| Noninterest income to average assets | 0.8540% | 2,183 |
| Noninterest expense to average assets | 2.8513% | 4,664 |
| Loan and lease loss provision to assets | 2.3152% | 735 |
| Net operating income to assets | -1.4786% | 7,095 |
| Return on assets (ROA) | -1.4786% | 7,094 |
| Pretax return on assets | -2.4351% | 7,324 |
| Return on Equity (ROE) | -19.8004% | 7,366 |
| Retained earnings to average equity (ytd only) | -19.8004% | 7,331 |
| Net charge-offs to loans | 2.1642% | 893 |
| Credit loss provision to net charge-offs | 131.6700% | 3,796 |
| Earnings coverage of net charge-offs (x) | -0.0682% | 6,145 |
| Efficiency ratio | 104.3893% | 903 |
| Assets per employee ($millions) | 4.5784% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 1,669 |
| Loan loss allowance to noncurrent loans | 34.9923% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 4.8686% | 1,211 |
| Noncurrent loans to loans | 5.8876% | 1,021 |
| Net loans and leases to total assets | 80.9883% | 977 |
| Net loans and leases to deposits | 104.1116% | 768 |
| Net loans and leases to core deposits | 160.1382% | 379 |
| Total domestic deposits to total assets | 77.7899% | 6,148 |
| Equity capital to assets | 8.0534% | 6,797 |
| Core capital (leverage) ratio | 7.9546% | 6,442 |
| Tier 1 risk-based capital ratio | 9.8218% | 7,116 |
| Total risk-based capital ratio | 11.0894% | 7,064 |
| Memoranda: | ||
| Average total assets | $153,472,000 | 3,926 |
| Average earning assets | $136,441,000 | 3,996 |
| Average equity | $11,460,750 | 4,933 |
| Average total loans | $124,690,500 | 3,411 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3887% | 5,209 |
| Cost of funding earning assets | 3.2419% | 242 |
| Net interest margin | 2.1468% | 7,781 |
| Noninterest income to average assets | 0.8665% | 2,112 |
| Noninterest expense to average assets | 2.6741% | 5,477 |
| Loan and lease loss provision to assets | 2.5174% | 618 |
| Net operating income to assets | -1.4661% | 7,226 |
| Return on assets (ROA) | -1.4661% | 7,232 |
| Pretax return on assets | -2.4173% | 7,401 |
| Return on Equity (ROE) | -20.1269% | 7,508 |
| Retained earnings to average equity (ytd only) | -20.1269% | 7,459 |
| Net charge-offs to loans | 2.7044% | 624 |
| Credit loss provision to net charge-offs | 115.2174% | 4,020 |
| Earnings coverage of net charge-offs (x) | 0.0458% | 5,632 |
| Efficiency ratio | 96.3906% | 1,351 |
| Assets per employee ($millions) | 4.4618% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 2,329 |
| Loan loss allowance to noncurrent loans | 38.3318% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 3.6354% | 1,701 |
| Noncurrent loans to loans | 4.4483% | 1,452 |
| Net loans and leases to total assets | 80.3318% | 1,250 |
| Net loans and leases to deposits | 103.4885% | 946 |
| Net loans and leases to core deposits | 153.8136% | 568 |
| Total domestic deposits to total assets | 77.6239% | 6,171 |
| Equity capital to assets | 7.8166% | 6,961 |
| Core capital (leverage) ratio | 7.7258% | 6,714 |
| Tier 1 risk-based capital ratio | 9.7679% | 7,168 |
| Total risk-based capital ratio | 11.0314% | 7,100 |
| Memoranda: | ||
| Average total assets | $155,792,670 | 3,906 |
| Average earning assets | $138,438,670 | 3,982 |
| Average equity | $11,348,000 | 4,990 |
| Average total loans | $125,870,000 | 3,423 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 5,277 |
| Cost of funding earning assets | 3.2161% | 327 |
| Net interest margin | 2.2125% | 7,786 |
| Noninterest income to average assets | 0.7932% | 2,360 |
| Noninterest expense to average assets | 2.5723% | 5,561 |
| Loan and lease loss provision to assets | 2.3315% | 506 |
| Net operating income to assets | -1.2950% | 7,413 |
| Return on assets (ROA) | -1.2950% | 7,427 |
| Pretax return on assets | -2.1440% | 7,569 |
| Return on Equity (ROE) | -18.4260% | 7,721 |
| Retained earnings to average equity (ytd only) | -18.4260% | 7,601 |
| Net charge-offs to loans | 2.5076% | 556 |
| Credit loss provision to net charge-offs | 115.7233% | 3,372 |
| Earnings coverage of net charge-offs (x) | 0.0931% | 4,909 |
| Efficiency ratio | 93.2048% | 1,483 |
| Assets per employee ($millions) | 4.7664% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 2,604 |
| Loan loss allowance to noncurrent loans | 58.2353% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 2.1616% | 2,653 |
| Noncurrent loans to loans | 2.7125% | 2,421 |
| Net loans and leases to total assets | 78.4299% | 1,708 |
| Net loans and leases to deposits | 106.0275% | 860 |
| Net loans and leases to core deposits | 159.1362% | 503 |
| Total domestic deposits to total assets | 73.9713% | 6,895 |
| Equity capital to assets | 6.9857% | 7,689 |
| Core capital (leverage) ratio | 6.8780% | 7,709 |
| Tier 1 risk-based capital ratio | 8.7935% | 7,880 |
| Total risk-based capital ratio | 10.0552% | 7,930 |
| Memoranda: | ||
| Average total assets | $157,838,000 | 3,867 |
| Average earning assets | $140,292,500 | 3,948 |
| Average equity | $11,093,000 | 5,080 |
| Average total loans | $126,815,500 | 3,426 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9192% | 5,949 |
| Cost of funding earning assets | 3.5725% | 426 |
| Net interest margin | 2.3466% | 7,888 |
| Noninterest income to average assets | 0.6450% | 3,511 |
| Noninterest expense to average assets | 3.0299% | 3,972 |
| Loan and lease loss provision to assets | 1.1329% | 1,283 |
| Net operating income to assets | -0.8663% | 7,169 |
| Return on assets (ROA) | -0.8696% | 7,085 |
| Pretax return on assets | -1.4245% | 7,223 |
| Return on Equity (ROE) | -11.5888% | 7,396 |
| Retained earnings to average equity (ytd only) | -11.5888% | 7,214 |
| Net charge-offs to loans | 1.0040% | 1,234 |
| Credit loss provision to net charge-offs | 135.1767% | 3,946 |
| Earnings coverage of net charge-offs (x) | -0.3418% | 6,438 |
| Efficiency ratio | 110.4411% | 702 |
| Assets per employee ($millions) | 5.2795% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 2,946 |
| Loan loss allowance to noncurrent loans | 108.8615% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 4,145 |
| Noncurrent loans to loans | 1.3283% | 3,856 |
| Net loans and leases to total assets | 79.8262% | 1,699 |
| Net loans and leases to deposits | 118.4330% | 431 |
| Net loans and leases to core deposits | 170.1367% | 395 |
| Total domestic deposits to total assets | 67.4020% | 7,526 |
| Equity capital to assets | 7.0702% | 7,702 |
| Core capital (leverage) ratio | 7.2144% | 7,511 |
| Tier 1 risk-based capital ratio | 8.9244% | 7,830 |
| Total risk-based capital ratio | 10.1768% | 7,850 |
| Memoranda: | ||
| Average total assets | $155,351,400 | 3,795 |
| Average earning assets | $138,921,600 | 3,870 |
| Average equity | $11,657,800 | 4,926 |
| Average total loans | $129,677,200 | 3,276 |