| 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 | 10.2415% | 70 |
| Cost of funding earning assets | 3.5262% | 73 |
| Net interest margin | 6.7153% | 67 |
| Noninterest income to average assets | 3.1300% | 175 |
| Noninterest expense to average assets | 6.6337% | 153 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 2.0248% | 450 |
| Return on assets (ROA) | 2.0403% | 428 |
| Pretax return on assets | 2.7269% | 274 |
| Return on Equity (ROE) | 15.3600% | 1,220 |
| Retained earnings to average equity (ytd only) | 15.3594% | 308 |
| Net charge-offs to loans | 0.2926% | 369 |
| Credit loss provision to net charge-offs | 133.8979% | 1,569 |
| Earnings coverage of net charge-offs (x) | 12.6387% | 2,139 |
| Efficiency ratio | 68.4585% | 2,057 |
| Assets per employee ($millions) | 23.7546% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2760% | 4,433 |
| Loan loss allowance to noncurrent loans | 200.2526% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 2,779 |
| Noncurrent loans to loans | 0.1378% | 2,821 |
| Net loans and leases to total assets | 82.1300% | 419 |
| Net loans and leases to deposits | 104.6732% | 332 |
| Net loans and leases to core deposits | 125.8962% | 487 |
| Total domestic deposits to total assets | 78.4700% | 3,674 |
| Equity capital to assets | 14.1406% | 658 |
| Core capital (leverage) ratio | 14.9579% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5949% | 978 |
| Memoranda: |
| Average total assets | $17,127,483,200 | 108 |
| Average earning assets | $16,671,536,400 | 99 |
| Average equity | $2,275,124,200 | 88 |
| Average total loans | $14,024,842,000 | 92 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.9856% | 68 |
| Cost of funding earning assets | 3.3449% | 73 |
| Net interest margin | 6.6407% | 64 |
| Noninterest income to average assets | 3.6800% | 166 |
| Noninterest expense to average assets | 7.2036% | 141 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 1.8898% | 571 |
| Return on assets (ROA) | 1.9128% | 549 |
| Pretax return on assets | 2.6086% | 343 |
| Return on Equity (ROE) | 14.7700% | 1,490 |
| Retained earnings to average equity (ytd only) | 14.7723% | 583 |
| Net charge-offs to loans | 0.3362% | 262 |
| Credit loss provision to net charge-offs | 135.1233% | 1,388 |
| Earnings coverage of net charge-offs (x) | 10.7418% | 2,111 |
| Efficiency ratio | 70.7517% | 1,702 |
| Assets per employee ($millions) | 20.6425% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2900% | 4,446 |
| Loan loss allowance to noncurrent loans | 214.9172% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 2,821 |
| Noncurrent loans to loans | 0.1349% | 2,880 |
| Net loans and leases to total assets | 83.0000% | 361 |
| Net loans and leases to deposits | 111.3982% | 180 |
| Net loans and leases to core deposits | 133.3784% | 302 |
| Total domestic deposits to total assets | 74.5100% | 4,123 |
| Equity capital to assets | 13.8149% | 675 |
| Core capital (leverage) ratio | 15.7657% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1500% | 1,280 |
| Memoranda: |
| Average total assets | $15,393,513,000 | 121 |
| Average earning assets | $15,018,667,500 | 111 |
| Average equity | $1,993,227,000 | 98 |
| Average total loans | $12,576,383,000 | 99 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.7827% | 67 |
| Cost of funding earning assets | 3.1624% | 68 |
| Net interest margin | 6.6203% | 70 |
| Noninterest income to average assets | 4.5200% | 132 |
| Noninterest expense to average assets | 7.9290% | 131 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 1.9977% | 468 |
| Return on assets (ROA) | 2.0374% | 437 |
| Pretax return on assets | 2.7875% | 250 |
| Return on Equity (ROE) | 16.3200% | 1,213 |
| Retained earnings to average equity (ytd only) | 16.3211% | 438 |
| Net charge-offs to loans | 0.3811% | 217 |
| Credit loss provision to net charge-offs | 102.1477% | 1,426 |
| Earnings coverage of net charge-offs (x) | 9.9029% | 2,011 |
| Efficiency ratio | 72.0517% | 1,556 |
| Assets per employee ($millions) | 17.7548% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2908% | 4,479 |
| Loan loss allowance to noncurrent loans | 240.9386% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 2,856 |
| Noncurrent loans to loans | 0.1207% | 2,875 |
| Net loans and leases to total assets | 79.8500% | 648 |
| Net loans and leases to deposits | 106.6908% | 290 |
| Net loans and leases to core deposits | 127.8103% | 358 |
| Total domestic deposits to total assets | 74.8400% | 4,134 |
| Equity capital to assets | 13.3878% | 733 |
| Core capital (leverage) ratio | 16.1106% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0529% | 1,310 |
| Memoranda: |
| Average total assets | $13,354,864,667 | 129 |
| Average earning assets | $13,042,005,000 | 120 |
| Average equity | $1,667,130,667 | 106 |
| Average total loans | $10,800,041,000 | 117 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.7429% | 28 |
| Cost of funding earning assets | 2.9895% | 33 |
| Net interest margin | 6.7534% | 60 |
| Noninterest income to average assets | 6.2300% | 115 |
| Noninterest expense to average assets | 9.0321% | 118 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 2.5158% | 236 |
| Return on assets (ROA) | 2.6106% | 214 |
| Pretax return on assets | 3.6039% | 126 |
| Return on Equity (ROE) | 22.1900% | 570 |
| Retained earnings to average equity (ytd only) | 22.1854% | 280 |
| Net charge-offs to loans | 0.4501% | 183 |
| Credit loss provision to net charge-offs | 81.9875% | 1,203 |
| Earnings coverage of net charge-offs (x) | 10.3174% | 1,663 |
| Efficiency ratio | 70.4616% | 1,705 |
| Assets per employee ($millions) | 15.9318% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3698% | 4,515 |
| Loan loss allowance to noncurrent loans | 254.5799% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 2,712 |
| Noncurrent loans to loans | 0.1452% | 2,765 |
| Net loans and leases to total assets | 79.2500% | 613 |
| Net loans and leases to deposits | 101.1233% | 388 |
| Net loans and leases to core deposits | 120.1828% | 428 |
| Total domestic deposits to total assets | 78.3700% | 3,961 |
| Equity capital to assets | 10.9747% | 1,351 |
| Core capital (leverage) ratio | 13.7688% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6483% | 2,115 |
| Memoranda: |
| Average total assets | $11,181,514,500 | 150 |
| Average earning assets | $10,899,216,500 | 142 |
| Average equity | $1,315,769,000 | 132 |
| Average total loans | $9,112,222,000 | 133 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.0190% | 22 |
| Cost of funding earning assets | 1.7723% | 10 |
| Net interest margin | 7.2467% | 27 |
| Noninterest income to average assets | 10.9800% | 94 |
| Noninterest expense to average assets | 14.5578% | 83 |
| Loan and lease loss provision to assets | 0.8500% | 52 |
| Net operating income to assets | 1.8377% | 400 |
| Return on assets (ROA) | 1.8377% | 384 |
| Pretax return on assets | 2.5304% | 205 |
| Return on Equity (ROE) | 10.4700% | 2,654 |
| Retained earnings to average equity (ytd only) | 10.4652% | 1,014 |
| Net charge-offs to loans | 0.4775% | 159 |
| Credit loss provision to net charge-offs | 222.1098% | 1,059 |
| Earnings coverage of net charge-offs (x) | 8.8185% | 2,249 |
| Efficiency ratio | 81.1308% | 644 |
| Assets per employee ($millions) | 11.1537% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5301% | 4,412 |
| Loan loss allowance to noncurrent loans | 311.5261% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 2,531 |
| Noncurrent loans to loans | 0.1702% | 2,634 |
| Net loans and leases to total assets | 83.8800% | 264 |
| Net loans and leases to deposits | 103.8574% | 309 |
| Net loans and leases to core deposits | 121.0881% | 351 |
| Total domestic deposits to total assets | 80.7600% | 3,788 |
| Equity capital to assets | 12.9176% | 722 |
| Core capital (leverage) ratio | 15.2587% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0813% | 1,607 |
| Memoranda: |
| Average total assets | $4,458,626,200 | 291 |
| Average earning assets | $4,279,481,800 | 280 |
| Average equity | $782,957,600 | 197 |
| Average total loans | $3,581,024,800 | 250 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.2791% | 24 |
| Cost of funding earning assets | 1.1443% | 30 |
| Net interest margin | 7.1348% | 27 |
| Noninterest income to average assets | 13.9600% | 87 |
| Noninterest expense to average assets | 17.1452% | 78 |
| Loan and lease loss provision to assets | 0.9300% | 47 |
| Net operating income to assets | 2.1032% | 242 |
| Return on assets (ROA) | 2.1032% | 241 |
| Pretax return on assets | 2.6778% | 177 |
| Return on Equity (ROE) | 10.1200% | 2,686 |
| Retained earnings to average equity (ytd only) | 10.1229% | 1,311 |
| Net charge-offs to loans | 0.4476% | 141 |
| Credit loss provision to net charge-offs | 268.8215% | 866 |
| Earnings coverage of net charge-offs (x) | 10.4039% | 1,985 |
| Efficiency ratio | 82.5859% | 626 |
| Assets per employee ($millions) | 7.9462% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6182% | 4,360 |
| Loan loss allowance to noncurrent loans | 327.6861% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 2,493 |
| Noncurrent loans to loans | 0.1887% | 2,650 |
| Net loans and leases to total assets | 84.4800% | 212 |
| Net loans and leases to deposits | 108.9711% | 135 |
| Net loans and leases to core deposits | 123.7682% | 196 |
| Total domestic deposits to total assets | 77.5300% | 4,292 |
| Equity capital to assets | 15.0956% | 445 |
| Core capital (leverage) ratio | 17.1840% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0185% | 1,168 |
| Memoranda: |
| Average total assets | $3,292,355,750 | 363 |
| Average earning assets | $3,136,824,500 | 345 |
| Average equity | $684,055,500 | 218 |
| Average total loans | $2,552,890,250 | 311 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9447% | 75 |
| Cost of funding earning assets | 0.5554% | 379 |
| Net interest margin | 5.3893% | 80 |
| Noninterest income to average assets | 17.0283% | 39 |
| Noninterest expense to average assets | 18.5063% | 41 |
| Loan and lease loss provision to assets | 0.6077% | 83 |
| Net operating income to assets | 2.1209% | 183 |
| Return on assets (ROA) | 2.1209% | 179 |
| Pretax return on assets | 3.0109% | 96 |
| Return on Equity (ROE) | 8.0394% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.0394% | 1,600 |
| Net charge-offs to loans | 0.4437% | 159 |
| Credit loss provision to net charge-offs | 195.2035% | 980 |
| Earnings coverage of net charge-offs (x) | 11.6233% | 1,726 |
| Efficiency ratio | 83.6212% | 706 |
| Assets per employee ($millions) | 5.0070% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6232% | 4,440 |
| Loan loss allowance to noncurrent loans | 263.3564% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 2,336 |
| Noncurrent loans to loans | 0.2366% | 2,531 |
| Net loans and leases to total assets | 83.6923% | 199 |
| Net loans and leases to deposits | 134.0147% | 20 |
| Net loans and leases to core deposits | 140.3377% | 77 |
| Total domestic deposits to total assets | 62.4501% | 4,677 |
| Equity capital to assets | 21.6736% | 135 |
| Core capital (leverage) ratio | 32.6499% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4903% | 403 |
| Memoranda: |
| Average total assets | $2,209,895,000 | 502 |
| Average earning assets | $2,089,894,667 | 495 |
| Average equity | $583,002,667 | 244 |
| Average total loans | $1,550,705,333 | 451 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.4533% | 4,725 |
| Cost of funding earning assets | 0.1699% | 3,219 |
| Net interest margin | 1.2834% | 4,725 |
| Noninterest income to average assets | 15.9856% | 41 |
| Noninterest expense to average assets | 17.4439% | 42 |
| Loan and lease loss provision to assets | 0.3556% | 163 |
| Net operating income to assets | -0.6018% | 4,713 |
| Return on assets (ROA) | -0.6018% | 4,705 |
| Pretax return on assets | -0.6018% | 4,690 |
| Return on Equity (ROE) | -1.6821% | 4,625 |
| Retained earnings to average equity (ytd only) | -1.6821% | 4,220 |
| Net charge-offs to loans | -0.0017% | 3,082 |
| Credit loss provision to net charge-offs | -49,200.0000% | 3,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3828% | 220 |
| Assets per employee ($millions) | 2.4476% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1615% | 4,725 |
| Loan loss allowance to noncurrent loans | 310.4545% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 3,828 |
| Noncurrent loans to loans | 0.0520% | 3,606 |
| Net loans and leases to total assets | 41.4111% | 3,924 |
| Net loans and leases to deposits | 68.4741% | 2,100 |
| Net loans and leases to core deposits | 98.3378% | 567 |
| Total domestic deposits to total assets | 60.4771% | 4,725 |
| Equity capital to assets | 37.9447% | 49 |
| Core capital (leverage) ratio | 59.3879% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 68.7131% | 44 |
| Memoranda: |
| Average total assets | $1,106,771,500 | 905 |
| Average earning assets | $1,045,367,500 | 893 |
| Average equity | $395,936,500 | 318 |
| Average total loans | $466,484,000 | 1,226 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6940% | 2,131 |
| Cost of funding earning assets | 0.0881% | 4,473 |
| Net interest margin | 3.6058% | 1,449 |
| Noninterest income to average assets | 0.7542% | 1,582 |
| Noninterest expense to average assets | 3.3956% | 551 |
| Loan and lease loss provision to assets | -0.1089% | 4,551 |
| Net operating income to assets | 0.5738% | 3,933 |
| Return on assets (ROA) | 0.5723% | 3,976 |
| Pretax return on assets | 0.8010% | 3,727 |
| Return on Equity (ROE) | 5.2783% | 3,937 |
| Retained earnings to average equity (ytd only) | 5.2783% | 2,684 |
| Net charge-offs to loans | -0.0739% | 4,479 |
| Credit loss provision to net charge-offs | 241.8919% | 1,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0309% | 619 |
| Assets per employee ($millions) | 5.8221% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4838% | 1,618 |
| Loan loss allowance to noncurrent loans | 229.2035% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 1,947 |
| Noncurrent loans to loans | 0.6474% | 1,537 |
| Net loans and leases to total assets | 49.2282% | 3,377 |
| Net loans and leases to deposits | 55.2487% | 3,491 |
| Net loans and leases to core deposits | 58.0609% | 3,469 |
| Total domestic deposits to total assets | 89.1030% | 1,455 |
| Equity capital to assets | 10.4350% | 2,235 |
| Core capital (leverage) ratio | 9.2151% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $164,419,000 | 3,353 |
| Average earning assets | $152,086,400 | 3,360 |
| Average equity | $17,827,800 | 3,402 |
| Average total loans | $100,135,600 | 3,195 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8802% | 1,816 |
| Cost of funding earning assets | 0.1035% | 4,468 |
| Net interest margin | 3.7767% | 1,163 |
| Noninterest income to average assets | 0.8559% | 1,363 |
| Noninterest expense to average assets | 3.4416% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6436% | 3,916 |
| Return on assets (ROA) | 0.6417% | 3,979 |
| Pretax return on assets | 0.8987% | 3,699 |
| Return on Equity (ROE) | 5.8587% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.8587% | 2,890 |
| Net charge-offs to loans | -0.1032% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2489% | 793 |
| Assets per employee ($millions) | 5.6629% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6213% | 1,283 |
| Loan loss allowance to noncurrent loans | 249.4949% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 2,034 |
| Noncurrent loans to loans | 0.6498% | 1,684 |
| Net loans and leases to total assets | 52.9334% | 3,089 |
| Net loans and leases to deposits | 59.5721% | 3,269 |
| Net loans and leases to core deposits | 62.3791% | 3,274 |
| Total domestic deposits to total assets | 88.8561% | 1,367 |
| Equity capital to assets | 10.6953% | 2,266 |
| Core capital (leverage) ratio | 9.5748% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $161,858,250 | 3,412 |
| Average earning assets | $149,439,250 | 3,421 |
| Average equity | $17,728,250 | 3,451 |
| Average total loans | $103,350,000 | 3,198 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8839% | 1,856 |
| Cost of funding earning assets | 0.1226% | 4,421 |
| Net interest margin | 3.7613% | 1,200 |
| Noninterest income to average assets | 0.7664% | 1,628 |
| Noninterest expense to average assets | 3.4665% | 485 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5495% | 4,114 |
| Return on assets (ROA) | 0.5465% | 4,166 |
| Pretax return on assets | 0.7652% | 3,932 |
| Return on Equity (ROE) | 4.9485% | 4,132 |
| Retained earnings to average equity (ytd only) | 4.9485% | 3,203 |
| Net charge-offs to loans | -0.0410% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8451% | 681 |
| Assets per employee ($millions) | 5.5350% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3658% | 2,122 |
| Loan loss allowance to noncurrent loans | 74.2693% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.1539% | 612 |
| Noncurrent loans to loans | 1.8390% | 558 |
| Net loans and leases to total assets | 61.8884% | 2,193 |
| Net loans and leases to deposits | 69.6127% | 2,454 |
| Net loans and leases to core deposits | 73.2675% | 2,486 |
| Total domestic deposits to total assets | 88.9039% | 1,328 |
| Equity capital to assets | 10.7233% | 2,210 |
| Core capital (leverage) ratio | 9.3922% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $159,182,000 | 3,443 |
| Average earning assets | $146,809,667 | 3,453 |
| Average equity | $17,581,000 | 3,468 |
| Average total loans | $107,330,333 | 3,161 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0208% | 1,567 |
| Cost of funding earning assets | 0.1423% | 4,363 |
| Net interest margin | 3.8785% | 1,020 |
| Noninterest income to average assets | 1.0119% | 1,111 |
| Noninterest expense to average assets | 3.4363% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8177% | 3,363 |
| Return on assets (ROA) | 0.8116% | 3,458 |
| Pretax return on assets | 1.1377% | 3,020 |
| Return on Equity (ROE) | 7.2359% | 3,541 |
| Retained earnings to average equity (ytd only) | 7.2359% | 2,496 |
| Net charge-offs to loans | -0.0845% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,223 |
| Assets per employee ($millions) | 5.0571% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3236% | 2,327 |
| Loan loss allowance to noncurrent loans | 72.2110% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 611 |
| Noncurrent loans to loans | 1.8329% | 621 |
| Net loans and leases to total assets | 65.6032% | 1,845 |
| Net loans and leases to deposits | 73.9863% | 2,123 |
| Net loans and leases to core deposits | 78.1277% | 2,175 |
| Total domestic deposits to total assets | 88.6693% | 1,530 |
| Equity capital to assets | 10.8814% | 1,951 |
| Core capital (leverage) ratio | 9.8680% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $155,748,500 | 3,474 |
| Average earning assets | $143,355,000 | 3,479 |
| Average equity | $17,468,500 | 3,473 |
| Average total loans | $108,901,500 | 3,144 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9914% | 2,756 |
| Cost of funding earning assets | 0.2529% | 4,360 |
| Net interest margin | 3.7385% | 1,673 |
| Noninterest income to average assets | 0.5790% | 2,310 |
| Noninterest expense to average assets | 3.9311% | 405 |
| Loan and lease loss provision to assets | 0.1387% | 2,625 |
| Net operating income to assets | -0.0327% | 4,748 |
| Return on assets (ROA) | -0.0327% | 4,786 |
| Pretax return on assets | -0.0576% | 4,782 |
| Return on Equity (ROE) | -0.3044% | 4,787 |
| Retained earnings to average equity (ytd only) | -0.3044% | 4,568 |
| Net charge-offs to loans | 0.1226% | 1,271 |
| Credit loss provision to net charge-offs | 154.7445% | 2,392 |
| Earnings coverage of net charge-offs (x) | 0.9051% | 3,297 |
| Efficiency ratio | 97.9782% | 202 |
| Assets per employee ($millions) | 5.5434% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2711% | 2,566 |
| Loan loss allowance to noncurrent loans | 64.3546% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.4545% | 516 |
| Noncurrent loans to loans | 1.9752% | 590 |
| Net loans and leases to total assets | 72.7028% | 1,201 |
| Net loans and leases to deposits | 82.4718% | 1,605 |
| Net loans and leases to core deposits | 88.0338% | 1,693 |
| Total domestic deposits to total assets | 88.1547% | 1,404 |
| Equity capital to assets | 11.5774% | 1,829 |
| Core capital (leverage) ratio | 9.4905% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $152,858,200 | 3,369 |
| Average earning assets | $140,377,400 | 3,380 |
| Average equity | $16,423,200 | 3,508 |
| Average total loans | $111,789,600 | 3,071 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9238% | 3,181 |
| Cost of funding earning assets | 0.2720% | 4,425 |
| Net interest margin | 3.6518% | 2,096 |
| Noninterest income to average assets | 0.5892% | 2,218 |
| Noninterest expense to average assets | 4.0141% | 372 |
| Loan and lease loss provision to assets | 0.1738% | 2,245 |
| Net operating income to assets | -0.1640% | 4,831 |
| Return on assets (ROA) | -0.1640% | 4,842 |
| Pretax return on assets | -0.2438% | 4,851 |
| Return on Equity (ROE) | -1.5558% | 4,852 |
| Retained earnings to average equity (ytd only) | -1.5558% | 4,668 |
| Net charge-offs to loans | 0.1307% | 1,098 |
| Credit loss provision to net charge-offs | 181.8182% | 2,176 |
| Earnings coverage of net charge-offs (x) | -0.7364% | 3,153 |
| Efficiency ratio | 101.7822% | 158 |
| Assets per employee ($millions) | 5.4492% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1986% | 2,674 |
| Loan loss allowance to noncurrent loans | 45.0525% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.8606% | 390 |
| Noncurrent loans to loans | 2.6604% | 385 |
| Net loans and leases to total assets | 69.0983% | 2,093 |
| Net loans and leases to deposits | 76.5932% | 2,696 |
| Net loans and leases to core deposits | 84.9515% | 2,386 |
| Total domestic deposits to total assets | 90.2147% | 358 |
| Equity capital to assets | 9.5882% | 3,619 |
| Core capital (leverage) ratio | 8.1055% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $153,655,000 | 3,339 |
| Average earning assets | $141,152,250 | 3,359 |
| Average equity | $16,197,000 | 3,530 |
| Average total loans | $112,183,000 | 3,076 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0888% | 3,080 |
| Cost of funding earning assets | 0.2617% | 4,589 |
| Net interest margin | 3.8271% | 1,749 |
| Noninterest income to average assets | 0.6542% | 1,922 |
| Noninterest expense to average assets | 4.1942% | 335 |
| Loan and lease loss provision to assets | 0.2692% | 1,592 |
| Net operating income to assets | -0.2073% | 4,864 |
| Return on assets (ROA) | -0.2073% | 4,862 |
| Pretax return on assets | -0.3055% | 4,866 |
| Return on Equity (ROE) | -1.8999% | 4,870 |
| Retained earnings to average equity (ytd only) | -1.8999% | 4,581 |
| Net charge-offs to loans | 0.1833% | 824 |
| Credit loss provision to net charge-offs | 198.0198% | 1,937 |
| Earnings coverage of net charge-offs (x) | -0.2673% | 2,944 |
| Efficiency ratio | 100.8741% | 171 |
| Assets per employee ($millions) | 5.2906% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2045% | 2,488 |
| Loan loss allowance to noncurrent loans | 44.5313% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.9983% | 356 |
| Noncurrent loans to loans | 2.7047% | 402 |
| Net loans and leases to total assets | 69.0416% | 2,180 |
| Net loans and leases to deposits | 81.8529% | 2,223 |
| Net loans and leases to core deposits | 90.4901% | 2,033 |
| Total domestic deposits to total assets | 84.3483% | 2,612 |
| Equity capital to assets | 9.5211% | 3,643 |
| Core capital (leverage) ratio | 8.7244% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $148,585,667 | 3,383 |
| Average earning assets | $136,031,333 | 3,402 |
| Average equity | $16,211,667 | 3,527 |
| Average total loans | $110,197,000 | 3,098 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4836% | 2,354 |
| Cost of funding earning assets | 0.2739% | 4,721 |
| Net interest margin | 4.2098% | 901 |
| Noninterest income to average assets | 0.8102% | 1,284 |
| Noninterest expense to average assets | 4.5953% | 279 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0289% | 4,730 |
| Return on assets (ROA) | 0.0289% | 4,719 |
| Pretax return on assets | 0.0405% | 4,710 |
| Return on Equity (ROE) | 0.2460% | 4,719 |
| Retained earnings to average equity (ytd only) | 0.2460% | 3,935 |
| Net charge-offs to loans | 0.3656% | 390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.1443% | 2,484 |
| Efficiency ratio | 99.1261% | 252 |
| Assets per employee ($millions) | 4.0563% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1442% | 2,969 |
| Loan loss allowance to noncurrent loans | 54.6708% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.5834% | 654 |
| Noncurrent loans to loans | 2.0930% | 658 |
| Net loans and leases to total assets | 74.7903% | 1,491 |
| Net loans and leases to deposits | 88.2758% | 1,727 |
| Net loans and leases to core deposits | 99.5108% | 1,508 |
| Total domestic deposits to total assets | 84.7234% | 2,521 |
| Equity capital to assets | 11.4666% | 2,467 |
| Core capital (leverage) ratio | 10.1496% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $138,229,500 | 3,476 |
| Average earning assets | $125,612,000 | 3,500 |
| Average equity | $16,258,000 | 3,533 |
| Average total loans | $106,140,000 | 3,139 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2063% | 978 |
| Cost of funding earning assets | 0.2520% | 4,845 |
| Net interest margin | 4.9543% | 292 |
| Noninterest income to average assets | 1.0484% | 862 |
| Noninterest expense to average assets | 4.9191% | 226 |
| Loan and lease loss provision to assets | 0.2498% | 732 |
| Net operating income to assets | 0.2559% | 4,790 |
| Return on assets (ROA) | 0.2559% | 4,815 |
| Pretax return on assets | 0.3528% | 4,766 |
| Return on Equity (ROE) | 2.0865% | 4,785 |
| Retained earnings to average equity (ytd only) | 0.9586% | 4,393 |
| Net charge-offs to loans | 0.1785% | 1,129 |
| Credit loss provision to net charge-offs | 178.5714% | 1,458 |
| Earnings coverage of net charge-offs (x) | 4.3077% | 3,229 |
| Efficiency ratio | 89.0869% | 387 |
| Assets per employee ($millions) | 3.9503% | 3,973 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,836 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2644% | 2,095 |
| Loan loss allowance to noncurrent loans | 121.7631% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 1,599 |
| Noncurrent loans to loans | 1.0384% | 1,455 |
| Net loans and leases to total assets | 77.0948% | 1,246 |
| Net loans and leases to deposits | 87.8819% | 1,865 |
| Net loans and leases to core deposits | 98.7017% | 1,677 |
| Total domestic deposits to total assets | 87.7254% | 1,261 |
| Equity capital to assets | 11.9552% | 2,160 |
| Core capital (leverage) ratio | 10.0138% | 3,503 |
| Tier 1 risk-based capital ratio | 14.7576% | 2,882 |
| Total risk-based capital ratio | 16.2662% | 2,707 |
| Memoranda: |
| Average total assets | $130,105,600 | 3,565 |
| Average earning assets | $117,473,000 | 3,595 |
| Average equity | $15,960,000 | 3,547 |
| Average total loans | $101,984,600 | 3,203 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2441% | 955 |
| Cost of funding earning assets | 0.2418% | 4,939 |
| Net interest margin | 5.0024% | 289 |
| Noninterest income to average assets | 1.0910% | 770 |
| Noninterest expense to average assets | 4.9291% | 222 |
| Loan and lease loss provision to assets | 0.3358% | 409 |
| Net operating income to assets | 0.2438% | 4,912 |
| Return on assets (ROA) | 0.2438% | 4,926 |
| Pretax return on assets | 0.3368% | 4,869 |
| Return on Equity (ROE) | 1.9746% | 4,895 |
| Retained earnings to average equity (ytd only) | 0.4685% | 4,673 |
| Net charge-offs to loans | 0.2093% | 842 |
| Credit loss provision to net charge-offs | 204.4025% | 1,292 |
| Earnings coverage of net charge-offs (x) | 4.0944% | 3,043 |
| Efficiency ratio | 87.9934% | 397 |
| Assets per employee ($millions) | 3.9923% | 3,915 |
| Cash dividends to net income (ytd only)* | 76.2696% | 768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3356% | 1,814 |
| Loan loss allowance to noncurrent loans | 116.6955% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8774% | 1,563 |
| Noncurrent loans to loans | 1.1446% | 1,381 |
| Net loans and leases to total assets | 75.6382% | 1,542 |
| Net loans and leases to deposits | 86.4313% | 2,143 |
| Net loans and leases to core deposits | 96.9707% | 1,904 |
| Total domestic deposits to total assets | 87.5124% | 1,245 |
| Equity capital to assets | 12.1149% | 2,177 |
| Core capital (leverage) ratio | 10.3371% | 3,277 |
| Tier 1 risk-based capital ratio | 14.6758% | 2,997 |
| Total risk-based capital ratio | 16.2156% | 2,794 |
| Memoranda: |
| Average total assets | $129,054,500 | 3,617 |
| Average earning assets | $116,368,500 | 3,648 |
| Average equity | $15,935,750 | 3,584 |
| Average total loans | $101,262,750 | 3,250 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2500% | 895 |
| Cost of funding earning assets | 0.2373% | 4,990 |
| Net interest margin | 5.0127% | 285 |
| Noninterest income to average assets | 1.1876% | 606 |
| Noninterest expense to average assets | 5.0017% | 221 |
| Loan and lease loss provision to assets | 0.4682% | 254 |
| Net operating income to assets | 0.1701% | 5,019 |
| Return on assets (ROA) | 0.1701% | 5,029 |
| Pretax return on assets | 0.2341% | 4,996 |
| Return on Equity (ROE) | 1.3687% | 5,014 |
| Retained earnings to average equity (ytd only) | 1.3687% | 4,330 |
| Net charge-offs to loans | 0.6769% | 226 |
| Credit loss provision to net charge-offs | 87.4636% | 2,157 |
| Earnings coverage of net charge-offs (x) | 1.3120% | 3,029 |
| Efficiency ratio | 87.6881% | 456 |
| Assets per employee ($millions) | 3.6384% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1101% | 3,018 |
| Loan loss allowance to noncurrent loans | 78.7293% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 1,185 |
| Noncurrent loans to loans | 1.4100% | 1,097 |
| Net loans and leases to total assets | 79.7495% | 925 |
| Net loans and leases to deposits | 91.5414% | 1,550 |
| Net loans and leases to core deposits | 103.5989% | 1,422 |
| Total domestic deposits to total assets | 87.1185% | 1,541 |
| Equity capital to assets | 12.5706% | 1,820 |
| Core capital (leverage) ratio | 10.4201% | 3,174 |
| Tier 1 risk-based capital ratio | 14.8030% | 2,914 |
| Total risk-based capital ratio | 16.1173% | 2,815 |
| Memoranda: |
| Average total assets | $128,157,000 | 3,643 |
| Average earning assets | $115,467,330 | 3,682 |
| Average equity | $15,927,330 | 3,586 |
| Average total loans | $101,350,330 | 3,269 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2708% | 800 |
| Cost of funding earning assets | 0.2418% | 5,004 |
| Net interest margin | 5.0290% | 274 |
| Noninterest income to average assets | 1.2383% | 534 |
| Noninterest expense to average assets | 5.4510% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2178% | 5,000 |
| Return on assets (ROA) | 0.2178% | 5,005 |
| Pretax return on assets | 0.3174% | 4,941 |
| Return on Equity (ROE) | 1.7624% | 4,991 |
| Retained earnings to average equity (ytd only) | 1.7624% | 4,124 |
| Net charge-offs to loans | 0.0477% | 1,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,081 |
| Efficiency ratio | 87.3786% | 512 |
| Assets per employee ($millions) | 3.4761% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1695% | 2,746 |
| Loan loss allowance to noncurrent loans | 84.9782% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 1,296 |
| Noncurrent loans to loans | 1.3762% | 1,178 |
| Net loans and leases to total assets | 76.9411% | 1,326 |
| Net loans and leases to deposits | 88.0118% | 1,872 |
| Net loans and leases to core deposits | 98.8246% | 1,721 |
| Total domestic deposits to total assets | 87.4213% | 1,606 |
| Equity capital to assets | 12.3851% | 1,807 |
| Core capital (leverage) ratio | 10.3362% | 3,236 |
| Tier 1 risk-based capital ratio | 14.6536% | 3,031 |
| Total risk-based capital ratio | 15.9973% | 2,923 |
| Memoranda: |
| Average total assets | $128,563,000 | 3,676 |
| Average earning assets | $115,807,500 | 3,716 |
| Average equity | $15,887,000 | 3,595 |
| Average total loans | $100,677,000 | 3,315 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1617% | 753 |
| Cost of funding earning assets | 0.2443% | 4,830 |
| Net interest margin | 4.9174% | 316 |
| Noninterest income to average assets | 1.6122% | 364 |
| Noninterest expense to average assets | 5.1719% | 184 |
| Loan and lease loss provision to assets | 0.1566% | 1,331 |
| Net operating income to assets | 3.1344% | 72 |
| Return on assets (ROA) | 3.1344% | 71 |
| Pretax return on assets | 0.7909% | 4,194 |
| Return on Equity (ROE) | 30.5942% | 33 |
| Retained earnings to average equity (ytd only) | 30.5942% | 10 |
| Net charge-offs to loans | 0.3996% | 466 |
| Credit loss provision to net charge-offs | 50.5051% | 3,182 |
| Earnings coverage of net charge-offs (x) | 3.0556% | 3,453 |
| Efficiency ratio | 78.8868% | 1,049 |
| Assets per employee ($millions) | 3.3788% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1687% | 2,732 |
| Loan loss allowance to noncurrent loans | 75.3024% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2236% | 1,062 |
| Noncurrent loans to loans | 1.5520% | 961 |
| Net loans and leases to total assets | 77.9175% | 1,284 |
| Net loans and leases to deposits | 89.1236% | 1,912 |
| Net loans and leases to core deposits | 94.9319% | 2,147 |
| Total domestic deposits to total assets | 87.4264% | 1,576 |
| Equity capital to assets | 12.5370% | 1,565 |
| Core capital (leverage) ratio | 10.8178% | 2,717 |
| Tier 1 risk-based capital ratio | 15.0942% | 2,788 |
| Total risk-based capital ratio | 16.3453% | 2,724 |
| Memoranda: |
| Average total assets | $127,710,400 | 3,675 |
| Average earning assets | $117,054,200 | 3,697 |
| Average equity | $13,084,200 | 3,870 |
| Average total loans | $99,111,400 | 3,312 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0232% | 898 |
| Cost of funding earning assets | 0.2499% | 4,785 |
| Net interest margin | 4.7733% | 391 |
| Noninterest income to average assets | 1.5535% | 404 |
| Noninterest expense to average assets | 5.3326% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6147% | 4,462 |
| Return on assets (ROA) | 0.6147% | 4,467 |
| Pretax return on assets | 0.6147% | 4,705 |
| Return on Equity (ROE) | 6.3578% | 4,155 |
| Retained earnings to average equity (ytd only) | 6.3578% | 2,451 |
| Net charge-offs to loans | 0.5139% | 300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.5474% | 3,338 |
| Efficiency ratio | 84.8480% | 589 |
| Assets per employee ($millions) | 3.3339% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0027% | 3,739 |
| Loan loss allowance to noncurrent loans | 34.0143% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.3183% | 399 |
| Noncurrent loans to loans | 2.9479% | 375 |
| Net loans and leases to total assets | 77.8543% | 1,364 |
| Net loans and leases to deposits | 86.5588% | 2,312 |
| Net loans and leases to core deposits | 91.9586% | 2,486 |
| Total domestic deposits to total assets | 89.9438% | 530 |
| Equity capital to assets | 9.9481% | 3,703 |
| Core capital (leverage) ratio | 9.5439% | 4,124 |
| Tier 1 risk-based capital ratio | 14.0810% | 3,332 |
| Total risk-based capital ratio | 15.2625% | 3,275 |
| Memoranda: |
| Average total assets | $127,539,000 | 3,711 |
| Average earning assets | $117,399,250 | 3,732 |
| Average equity | $12,331,000 | 4,018 |
| Average total loans | $98,582,750 | 3,348 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9072% | 1,005 |
| Cost of funding earning assets | 0.2315% | 4,843 |
| Net interest margin | 4.6757% | 469 |
| Noninterest income to average assets | 1.3456% | 529 |
| Noninterest expense to average assets | 5.1415% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5023% | 4,746 |
| Return on assets (ROA) | 0.5023% | 4,750 |
| Pretax return on assets | 0.5023% | 4,903 |
| Return on Equity (ROE) | 5.2450% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.2450% | 2,958 |
| Net charge-offs to loans | 0.6291% | 230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.0388% | 3,089 |
| Efficiency ratio | 87.4134% | 498 |
| Assets per employee ($millions) | 3.4742% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0677% | 3,450 |
| Loan loss allowance to noncurrent loans | 32.9028% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.4633% | 358 |
| Noncurrent loans to loans | 3.2450% | 324 |
| Net loans and leases to total assets | 75.1011% | 1,774 |
| Net loans and leases to deposits | 82.9918% | 2,656 |
| Net loans and leases to core deposits | 87.3134% | 2,790 |
| Total domestic deposits to total assets | 90.4922% | 398 |
| Equity capital to assets | 9.3548% | 4,236 |
| Core capital (leverage) ratio | 9.3790% | 4,269 |
| Tier 1 risk-based capital ratio | 13.6287% | 3,546 |
| Total risk-based capital ratio | 14.8789% | 3,457 |
| Memoranda: |
| Average total assets | $127,822,670 | 3,737 |
| Average earning assets | $117,500,000 | 3,753 |
| Average equity | $12,240,330 | 4,047 |
| Average total loans | $98,233,330 | 3,367 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9469% | 785 |
| Cost of funding earning assets | 0.2184% | 4,904 |
| Net interest margin | 4.7285% | 390 |
| Noninterest income to average assets | 1.6290% | 373 |
| Noninterest expense to average assets | 5.2209% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7477% | 3,913 |
| Return on assets (ROA) | 0.7477% | 3,915 |
| Pretax return on assets | 0.7477% | 4,303 |
| Return on Equity (ROE) | 7.7141% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.7141% | 1,952 |
| Net charge-offs to loans | 0.5183% | 289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.8651% | 2,511 |
| Efficiency ratio | 83.7953% | 812 |
| Assets per employee ($millions) | 3.3384% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2890% | 2,296 |
| Loan loss allowance to noncurrent loans | 149.3445% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 2,341 |
| Noncurrent loans to loans | 0.8631% | 2,096 |
| Net loans and leases to total assets | 75.6391% | 1,596 |
| Net loans and leases to deposits | 83.9663% | 2,391 |
| Net loans and leases to core deposits | 88.5390% | 2,589 |
| Total domestic deposits to total assets | 90.0827% | 628 |
| Equity capital to assets | 9.6753% | 3,912 |
| Core capital (leverage) ratio | 9.3398% | 4,271 |
| Tier 1 risk-based capital ratio | 14.0333% | 3,366 |
| Total risk-based capital ratio | 15.2870% | 3,279 |
| Memoranda: |
| Average total assets | $125,725,000 | 3,803 |
| Average earning assets | $115,385,000 | 3,822 |
| Average equity | $12,185,500 | 4,088 |
| Average total loans | $97,241,500 | 3,411 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6543% | 1,296 |
| Cost of funding earning assets | 0.1776% | 5,111 |
| Net interest margin | 4.4767% | 650 |
| Noninterest income to average assets | 3.3631% | 153 |
| Noninterest expense to average assets | 6.2891% | 139 |
| Loan and lease loss provision to assets | 0.2766% | 644 |
| Net operating income to assets | 0.9208% | 2,593 |
| Return on assets (ROA) | 0.9208% | 2,620 |
| Pretax return on assets | 0.9208% | 3,840 |
| Return on Equity (ROE) | 9.9401% | 1,909 |
| Retained earnings to average equity (ytd only) | 9.9401% | 354 |
| Net charge-offs to loans | 0.2098% | 1,241 |
| Credit loss provision to net charge-offs | 181.3472% | 1,496 |
| Earnings coverage of net charge-offs (x) | 7.8497% | 2,984 |
| Efficiency ratio | 81.0600% | 1,009 |
| Assets per employee ($millions) | 3.2787% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4176% | 1,696 |
| Loan loss allowance to noncurrent loans | 187.6190% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 2,585 |
| Noncurrent loans to loans | 0.7556% | 2,312 |
| Net loans and leases to total assets | 76.9686% | 1,438 |
| Net loans and leases to deposits | 85.7823% | 2,288 |
| Net loans and leases to core deposits | 90.5593% | 2,507 |
| Total domestic deposits to total assets | 89.7256% | 667 |
| Equity capital to assets | 9.7094% | 4,022 |
| Core capital (leverage) ratio | 9.2333% | 4,362 |
| Tier 1 risk-based capital ratio | 13.7833% | 3,478 |
| Total risk-based capital ratio | 15.0381% | 3,392 |
| Memoranda: |
| Average total assets | $126,520,200 | 3,798 |
| Average earning assets | $116,536,600 | 3,810 |
| Average equity | $11,720,200 | 4,182 |
| Average total loans | $91,979,800 | 3,491 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5376% | 1,543 |
| Cost of funding earning assets | 0.1696% | 5,205 |
| Net interest margin | 4.3681% | 784 |
| Noninterest income to average assets | 3.7384% | 147 |
| Noninterest expense to average assets | 6.5918% | 130 |
| Loan and lease loss provision to assets | 0.3674% | 398 |
| Net operating income to assets | 0.8084% | 3,490 |
| Return on assets (ROA) | 0.8084% | 3,539 |
| Pretax return on assets | 0.8084% | 4,327 |
| Return on Equity (ROE) | 8.8306% | 2,713 |
| Retained earnings to average equity (ytd only) | 8.8306% | 903 |
| Net charge-offs to loans | 0.2736% | 787 |
| Credit loss provision to net charge-offs | 188.1720% | 1,413 |
| Earnings coverage of net charge-offs (x) | 6.0216% | 3,032 |
| Efficiency ratio | 81.9976% | 918 |
| Assets per employee ($millions) | 3.3232% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5327% | 1,421 |
| Loan loss allowance to noncurrent loans | 204.1237% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 2,912 |
| Noncurrent loans to loans | 0.7509% | 2,487 |
| Net loans and leases to total assets | 70.5094% | 2,481 |
| Net loans and leases to deposits | 78.3782% | 3,127 |
| Net loans and leases to core deposits | 84.3397% | 3,102 |
| Total domestic deposits to total assets | 89.9605% | 490 |
| Equity capital to assets | 9.3260% | 4,626 |
| Core capital (leverage) ratio | 9.0232% | 4,713 |
| Tier 1 risk-based capital ratio | 13.7847% | 3,532 |
| Total risk-based capital ratio | 15.0406% | 3,468 |
| Memoranda: |
| Average total assets | $127,002,500 | 3,829 |
| Average earning assets | $117,150,750 | 3,840 |
| Average equity | $11,626,000 | 4,239 |
| Average total loans | $90,656,000 | 3,548 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2960% | 2,143 |
| Cost of funding earning assets | 0.1582% | 5,286 |
| Net interest margin | 4.1378% | 1,229 |
| Noninterest income to average assets | 3.1656% | 177 |
| Noninterest expense to average assets | 6.8986% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0896% | 5,503 |
| Return on assets (ROA) | 0.0896% | 5,506 |
| Pretax return on assets | 0.0896% | 5,517 |
| Return on Equity (ROE) | 0.9848% | 5,474 |
| Retained earnings to average equity (ytd only) | 0.9848% | 4,839 |
| Net charge-offs to loans | 0.1124% | 1,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.1176% | 3,317 |
| Efficiency ratio | 94.7593% | 288 |
| Assets per employee ($millions) | 2.9768% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3227% | 2,304 |
| Loan loss allowance to noncurrent loans | 132.0180% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 2,438 |
| Noncurrent loans to loans | 1.0019% | 1,958 |
| Net loans and leases to total assets | 69.8746% | 2,547 |
| Net loans and leases to deposits | 77.0499% | 3,211 |
| Net loans and leases to core deposits | 82.3685% | 3,221 |
| Total domestic deposits to total assets | 90.6874% | 302 |
| Equity capital to assets | 8.8223% | 5,051 |
| Core capital (leverage) ratio | 8.1667% | 5,448 |
| Tier 1 risk-based capital ratio | 13.2198% | 3,860 |
| Total risk-based capital ratio | 14.4728% | 3,768 |
| Memoranda: |
| Average total assets | $127,243,000 | 3,849 |
| Average earning assets | $117,550,330 | 3,847 |
| Average equity | $11,575,670 | 4,262 |
| Average total loans | $90,732,670 | 3,562 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2239% | 2,193 |
| Cost of funding earning assets | 0.1453% | 5,408 |
| Net interest margin | 4.0786% | 1,273 |
| Noninterest income to average assets | 1.9041% | 331 |
| Noninterest expense to average assets | 5.6096% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0561% | 5,559 |
| Return on assets (ROA) | 0.0561% | 5,566 |
| Pretax return on assets | 0.0561% | 5,566 |
| Return on Equity (ROE) | 0.6077% | 5,551 |
| Retained earnings to average equity (ytd only) | 0.6077% | 4,774 |
| Net charge-offs to loans | 0.1220% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.6429% | 2,805 |
| Efficiency ratio | 94.1694% | 378 |
| Assets per employee ($millions) | 3.5240% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3223% | 2,431 |
| Loan loss allowance to noncurrent loans | 105.8511% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 2,085 |
| Noncurrent loans to loans | 1.2492% | 1,616 |
| Net loans and leases to total assets | 70.2380% | 2,334 |
| Net loans and leases to deposits | 77.6712% | 3,018 |
| Net loans and leases to core deposits | 82.6479% | 3,021 |
| Total domestic deposits to total assets | 90.4298% | 500 |
| Equity capital to assets | 9.3487% | 4,444 |
| Core capital (leverage) ratio | 8.7816% | 4,972 |
| Tier 1 risk-based capital ratio | 13.4859% | 3,786 |
| Total risk-based capital ratio | 14.7389% | 3,696 |
| Memoranda: |
| Average total assets | $128,352,500 | 3,872 |
| Average earning assets | $118,374,500 | 3,862 |
| Average equity | $11,848,500 | 4,238 |
| Average total loans | $91,833,500 | 3,560 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5697% | 1,360 |
| Cost of funding earning assets | 0.1540% | 5,397 |
| Net interest margin | 4.4157% | 749 |
| Noninterest income to average assets | 2.4128% | 263 |
| Noninterest expense to average assets | 5.6976% | 187 |
| Loan and lease loss provision to assets | 0.2794% | 715 |
| Net operating income to assets | 0.4733% | 4,732 |
| Return on assets (ROA) | 0.4733% | 4,810 |
| Pretax return on assets | 0.4733% | 5,085 |
| Return on Equity (ROE) | 5.2569% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.2569% | 2,157 |
| Net charge-offs to loans | 0.2293% | 1,210 |
| Credit loss provision to net charge-offs | 158.5153% | 1,736 |
| Earnings coverage of net charge-offs (x) | 4.2707% | 3,522 |
| Efficiency ratio | 84.8944% | 915 |
| Assets per employee ($millions) | 3.2461% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3088% | 2,497 |
| Loan loss allowance to noncurrent loans | 89.7869% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.0482% | 1,804 |
| Noncurrent loans to loans | 1.4577% | 1,391 |
| Net loans and leases to total assets | 70.9670% | 2,337 |
| Net loans and leases to deposits | 78.3853% | 3,060 |
| Net loans and leases to core deposits | 83.0906% | 3,120 |
| Total domestic deposits to total assets | 90.5362% | 438 |
| Equity capital to assets | 9.1165% | 4,687 |
| Core capital (leverage) ratio | 8.7085% | 5,064 |
| Tier 1 risk-based capital ratio | 13.3373% | 3,868 |
| Total risk-based capital ratio | 14.5909% | 3,778 |
| Memoranda: |
| Average total assets | $129,931,600 | 3,828 |
| Average earning assets | $118,803,200 | 3,851 |
| Average equity | $11,698,800 | 4,297 |
| Average total loans | $99,869,400 | 3,386 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6669% | 1,145 |
| Cost of funding earning assets | 0.1519% | 5,476 |
| Net interest margin | 4.5151% | 606 |
| Noninterest income to average assets | 2.8071% | 225 |
| Noninterest expense to average assets | 5.9425% | 174 |
| Loan and lease loss provision to assets | 0.3611% | 435 |
| Net operating income to assets | 0.6217% | 4,201 |
| Return on assets (ROA) | 0.6217% | 4,328 |
| Pretax return on assets | 0.6217% | 4,821 |
| Return on Equity (ROE) | 6.9270% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.9270% | 1,666 |
| Net charge-offs to loans | 0.2746% | 843 |
| Credit loss provision to net charge-offs | 168.4211% | 1,644 |
| Earnings coverage of net charge-offs (x) | 4.5837% | 3,250 |
| Efficiency ratio | 81.4074% | 1,258 |
| Assets per employee ($millions) | 3.0654% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2817% | 2,788 |
| Loan loss allowance to noncurrent loans | 86.2045% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.1092% | 1,830 |
| Noncurrent loans to loans | 1.4868% | 1,449 |
| Net loans and leases to total assets | 73.6421% | 1,934 |
| Net loans and leases to deposits | 81.5412% | 2,792 |
| Net loans and leases to core deposits | 86.7582% | 2,878 |
| Total domestic deposits to total assets | 90.3128% | 373 |
| Equity capital to assets | 9.2616% | 4,903 |
| Core capital (leverage) ratio | 8.6787% | 5,174 |
| Tier 1 risk-based capital ratio | 13.1142% | 4,092 |
| Total risk-based capital ratio | 14.3666% | 4,000 |
| Memoranda: |
| Average total assets | $129,954,000 | 3,854 |
| Average earning assets | $118,534,000 | 3,875 |
| Average equity | $11,664,250 | 4,344 |
| Average total loans | $101,495,000 | 3,367 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7019% | 1,046 |
| Cost of funding earning assets | 0.1504% | 5,547 |
| Net interest margin | 4.5515% | 550 |
| Noninterest income to average assets | 2.9903% | 201 |
| Noninterest expense to average assets | 6.0618% | 166 |
| Loan and lease loss provision to assets | 0.2532% | 759 |
| Net operating income to assets | 0.8086% | 3,271 |
| Return on assets (ROA) | 0.8086% | 3,402 |
| Pretax return on assets | 0.8086% | 4,249 |
| Return on Equity (ROE) | 9.1037% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.1037% | 820 |
| Net charge-offs to loans | 0.3814% | 600 |
| Credit loss provision to net charge-offs | 83.7563% | 2,325 |
| Earnings coverage of net charge-offs (x) | 3.5127% | 3,096 |
| Efficiency ratio | 80.7883% | 1,402 |
| Assets per employee ($millions) | 3.0525% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0347% | 4,323 |
| Loan loss allowance to noncurrent loans | 76.3557% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 1,324 |
| Noncurrent loans to loans | 1.3551% | 1,656 |
| Net loans and leases to total assets | 76.9507% | 1,345 |
| Net loans and leases to deposits | 84.9980% | 2,352 |
| Net loans and leases to core deposits | 90.3039% | 2,506 |
| Total domestic deposits to total assets | 90.5324% | 306 |
| Equity capital to assets | 9.0196% | 5,220 |
| Core capital (leverage) ratio | 8.5381% | 5,332 |
| Tier 1 risk-based capital ratio | 12.3764% | 4,609 |
| Total risk-based capital ratio | 13.5926% | 4,543 |
| Memoranda: |
| Average total assets | $130,356,330 | 3,873 |
| Average earning assets | $118,378,670 | 3,902 |
| Average equity | $11,577,670 | 4,387 |
| Average total loans | $103,312,330 | 3,354 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7750% | 901 |
| Cost of funding earning assets | 0.1467% | 5,634 |
| Net interest margin | 4.6284% | 474 |
| Noninterest income to average assets | 3.7535% | 165 |
| Noninterest expense to average assets | 6.1922% | 169 |
| Loan and lease loss provision to assets | 0.4249% | 317 |
| Net operating income to assets | 1.3148% | 1,219 |
| Return on assets (ROA) | 1.3148% | 1,297 |
| Pretax return on assets | 1.3148% | 2,241 |
| Return on Equity (ROE) | 14.9209% | 681 |
| Retained earnings to average equity (ytd only) | 14.9209% | 250 |
| Net charge-offs to loans | 0.6311% | 348 |
| Credit loss provision to net charge-offs | 84.1463% | 1,808 |
| Earnings coverage of net charge-offs (x) | 3.4451% | 2,547 |
| Efficiency ratio | 75.1553% | 2,303 |
| Assets per employee ($millions) | 3.0456% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0620% | 4,271 |
| Loan loss allowance to noncurrent loans | 42.7881% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 2.3985% | 639 |
| Noncurrent loans to loans | 2.4821% | 761 |
| Net loans and leases to total assets | 77.3449% | 1,200 |
| Net loans and leases to deposits | 85.4649% | 2,128 |
| Net loans and leases to core deposits | 91.1524% | 2,261 |
| Total domestic deposits to total assets | 90.4991% | 433 |
| Equity capital to assets | 9.1350% | 5,051 |
| Core capital (leverage) ratio | 8.4835% | 5,406 |
| Tier 1 risk-based capital ratio | 12.2452% | 4,754 |
| Total risk-based capital ratio | 13.4710% | 4,672 |
| Memoranda: |
| Average total assets | $129,905,500 | 3,911 |
| Average earning assets | $117,276,500 | 3,954 |
| Average equity | $11,447,000 | 4,425 |
| Average total loans | $103,938,500 | 3,357 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5949% | 1,345 |
| Cost of funding earning assets | 0.1270% | 5,840 |
| Net interest margin | 4.4679% | 696 |
| Noninterest income to average assets | 2.6375% | 250 |
| Noninterest expense to average assets | 6.6118% | 156 |
| Loan and lease loss provision to assets | 0.1571% | 1,486 |
| Net operating income to assets | -0.0891% | 5,920 |
| Return on assets (ROA) | -0.0891% | 5,936 |
| Pretax return on assets | -0.0891% | 5,924 |
| Return on Equity (ROE) | -1.0201% | 5,941 |
| Retained earnings to average equity (ytd only) | -1.0201% | 5,661 |
| Net charge-offs to loans | 0.2223% | 1,329 |
| Credit loss provision to net charge-offs | 93.9252% | 2,684 |
| Earnings coverage of net charge-offs (x) | 0.4065% | 4,232 |
| Efficiency ratio | 93.4231% | 510 |
| Assets per employee ($millions) | 3.2974% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0085% | 4,554 |
| Loan loss allowance to noncurrent loans | 71.3443% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6005% | 1,237 |
| Noncurrent loans to loans | 1.4136% | 1,652 |
| Net loans and leases to total assets | 80.9662% | 718 |
| Net loans and leases to deposits | 99.2574% | 734 |
| Net loans and leases to core deposits | 105.5267% | 1,127 |
| Total domestic deposits to total assets | 81.5720% | 4,312 |
| Equity capital to assets | 8.4983% | 5,565 |
| Core capital (leverage) ratio | 8.3802% | 5,544 |
| Tier 1 risk-based capital ratio | 11.5897% | 5,196 |
| Total risk-based capital ratio | 12.7809% | 5,142 |
| Memoranda: |
| Average total assets | $127,923,000 | 3,937 |
| Average earning assets | $115,737,800 | 3,967 |
| Average equity | $11,175,600 | 4,443 |
| Average total loans | $96,250,600 | 3,452 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4803% | 1,660 |
| Cost of funding earning assets | 0.1203% | 5,977 |
| Net interest margin | 4.3600% | 859 |
| Noninterest income to average assets | 2.6502% | 247 |
| Noninterest expense to average assets | 6.8362% | 151 |
| Loan and lease loss provision to assets | 0.0924% | 2,324 |
| Net operating income to assets | -0.3193% | 6,089 |
| Return on assets (ROA) | -0.3193% | 6,101 |
| Pretax return on assets | -0.3193% | 6,091 |
| Return on Equity (ROE) | -3.6295% | 6,115 |
| Retained earnings to average equity (ytd only) | -3.6295% | 5,973 |
| Net charge-offs to loans | 0.1785% | 1,406 |
| Credit loss provision to net charge-offs | 70.4000% | 2,761 |
| Earnings coverage of net charge-offs (x) | -1.7280% | 4,074 |
| Efficiency ratio | 97.9021% | 358 |
| Assets per employee ($millions) | 2.8088% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0372% | 4,544 |
| Loan loss allowance to noncurrent loans | 63.0705% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.8426% | 1,145 |
| Noncurrent loans to loans | 1.6444% | 1,501 |
| Net loans and leases to total assets | 80.3222% | 775 |
| Net loans and leases to deposits | 93.2688% | 1,279 |
| Net loans and leases to core deposits | 98.0842% | 1,692 |
| Total domestic deposits to total assets | 86.1190% | 2,471 |
| Equity capital to assets | 8.7542% | 5,531 |
| Core capital (leverage) ratio | 8.5663% | 5,499 |
| Tier 1 risk-based capital ratio | 11.8562% | 5,164 |
| Total risk-based capital ratio | 13.0675% | 5,111 |
| Memoranda: |
| Average total assets | $126,929,500 | 3,994 |
| Average earning assets | $115,256,250 | 4,018 |
| Average equity | $11,167,250 | 4,501 |
| Average total loans | $93,343,250 | 3,550 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3998% | 1,854 |
| Cost of funding earning assets | 0.1173% | 6,057 |
| Net interest margin | 4.2825% | 957 |
| Noninterest income to average assets | 2.5459% | 264 |
| Noninterest expense to average assets | 6.9516% | 151 |
| Loan and lease loss provision to assets | 0.1385% | 1,578 |
| Net operating income to assets | -0.6373% | 6,212 |
| Return on assets (ROA) | -0.6373% | 6,219 |
| Pretax return on assets | -0.6373% | 6,206 |
| Return on Equity (ROE) | -7.2313% | 6,226 |
| Retained earnings to average equity (ytd only) | -7.2313% | 6,103 |
| Net charge-offs to loans | 0.2748% | 961 |
| Credit loss provision to net charge-offs | 70.9677% | 2,450 |
| Earnings coverage of net charge-offs (x) | -2.5565% | 3,792 |
| Efficiency ratio | 100.9754% | 301 |
| Assets per employee ($millions) | 2.5434% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1566% | 4,048 |
| Loan loss allowance to noncurrent loans | 60.5114% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.9274% | 1,161 |
| Noncurrent loans to loans | 1.9114% | 1,303 |
| Net loans and leases to total assets | 73.0287% | 1,815 |
| Net loans and leases to deposits | 80.4192% | 2,731 |
| Net loans and leases to core deposits | 84.2438% | 2,959 |
| Total domestic deposits to total assets | 90.8100% | 353 |
| Equity capital to assets | 8.7366% | 5,496 |
| Core capital (leverage) ratio | 8.4149% | 5,619 |
| Tier 1 risk-based capital ratio | 12.0371% | 5,120 |
| Total risk-based capital ratio | 13.2779% | 5,032 |
| Memoranda: |
| Average total assets | $127,107,330 | 4,017 |
| Average earning assets | $115,960,670 | 4,034 |
| Average equity | $11,201,330 | 4,525 |
| Average total loans | $90,261,670 | 3,633 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3563% | 1,919 |
| Cost of funding earning assets | 0.1060% | 6,183 |
| Net interest margin | 4.2503% | 973 |
| Noninterest income to average assets | 2.8298% | 233 |
| Noninterest expense to average assets | 6.6506% | 162 |
| Loan and lease loss provision to assets | 0.0374% | 3,154 |
| Net operating income to assets | 0.0156% | 6,001 |
| Return on assets (ROA) | 0.0156% | 6,038 |
| Pretax return on assets | 0.0156% | 6,035 |
| Return on Equity (ROE) | 0.1761% | 6,030 |
| Retained earnings to average equity (ytd only) | 0.1761% | 5,314 |
| Net charge-offs to loans | 0.0716% | 2,008 |
| Credit loss provision to net charge-offs | 75.0000% | 1,875 |
| Earnings coverage of net charge-offs (x) | 1.0625% | 2,972 |
| Efficiency ratio | 94.2352% | 586 |
| Assets per employee ($millions) | 2.5400% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2400% | 3,739 |
| Loan loss allowance to noncurrent loans | 44.0032% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2305% | 1,027 |
| Noncurrent loans to loans | 2.8180% | 811 |
| Net loans and leases to total assets | 70.2004% | 2,114 |
| Net loans and leases to deposits | 77.6677% | 2,852 |
| Net loans and leases to core deposits | 81.1499% | 3,039 |
| Total domestic deposits to total assets | 90.3855% | 570 |
| Equity capital to assets | 9.1469% | 5,141 |
| Core capital (leverage) ratio | 8.9955% | 4,962 |
| Tier 1 risk-based capital ratio | 12.9589% | 4,625 |
| Total risk-based capital ratio | 14.2096% | 4,539 |
| Memoranda: |
| Average total assets | $128,348,500 | 4,017 |
| Average earning assets | $116,979,000 | 4,042 |
| Average equity | $11,358,000 | 4,533 |
| Average total loans | $89,354,000 | 3,661 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6704% | 1,371 |
| Cost of funding earning assets | 0.1213% | 6,240 |
| Net interest margin | 4.5492% | 680 |
| Noninterest income to average assets | 2.3675% | 258 |
| Noninterest expense to average assets | 7.3686% | 127 |
| Loan and lease loss provision to assets | 0.1730% | 1,499 |
| Net operating income to assets | -1.0488% | 6,389 |
| Return on assets (ROA) | -1.0488% | 6,389 |
| Pretax return on assets | -1.0488% | 6,382 |
| Return on Equity (ROE) | -12.2821% | 6,389 |
| Retained earnings to average equity (ytd only) | -12.2821% | 6,354 |
| Net charge-offs to loans | 0.1861% | 2,181 |
| Credit loss provision to net charge-offs | 124.3094% | 1,924 |
| Earnings coverage of net charge-offs (x) | -6.2928% | 4,899 |
| Efficiency ratio | 110.6466% | 214 |
| Assets per employee ($millions) | 2.8748% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2201% | 3,883 |
| Loan loss allowance to noncurrent loans | 43.1765% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 2.1423% | 1,145 |
| Noncurrent loans to loans | 2.8258% | 823 |
| Net loans and leases to total assets | 67.4083% | 2,666 |
| Net loans and leases to deposits | 74.3155% | 3,396 |
| Net loans and leases to core deposits | 77.5846% | 3,555 |
| Total domestic deposits to total assets | 90.7055% | 463 |
| Equity capital to assets | 8.5693% | 5,671 |
| Core capital (leverage) ratio | 8.8964% | 5,127 |
| Tier 1 risk-based capital ratio | 13.0836% | 4,668 |
| Total risk-based capital ratio | 14.3342% | 4,591 |
| Memoranda: |
| Average total assets | $130,051,600 | 3,975 |
| Average earning assets | $117,933,600 | 4,013 |
| Average equity | $11,105,600 | 4,543 |
| Average total loans | $97,240,200 | 3,477 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7852% | 1,129 |
| Cost of funding earning assets | 0.1251% | 6,308 |
| Net interest margin | 4.6601% | 548 |
| Noninterest income to average assets | 2.4102% | 255 |
| Noninterest expense to average assets | 7.4394% | 125 |
| Loan and lease loss provision to assets | 0.0309% | 3,792 |
| Net operating income to assets | -0.8411% | 6,443 |
| Return on assets (ROA) | -0.8411% | 6,441 |
| Pretax return on assets | -0.8411% | 6,428 |
| Return on Equity (ROE) | -9.8589% | 6,442 |
| Retained earnings to average equity (ytd only) | -9.8589% | 6,373 |
| Net charge-offs to loans | -0.0781% | 6,065 |
| Credit loss provision to net charge-offs | -51.7241% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4735% | 223 |
| Assets per employee ($millions) | 2.5128% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2418% | 4,007 |
| Loan loss allowance to noncurrent loans | 43.5361% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.4350% | 1,100 |
| Noncurrent loans to loans | 2.8523% | 959 |
| Net loans and leases to total assets | 75.4979% | 1,281 |
| Net loans and leases to deposits | 84.2635% | 2,113 |
| Net loans and leases to core deposits | 87.8450% | 2,447 |
| Total domestic deposits to total assets | 89.5974% | 933 |
| Equity capital to assets | 9.7924% | 4,432 |
| Core capital (leverage) ratio | 9.5083% | 4,356 |
| Tier 1 risk-based capital ratio | 13.4112% | 4,595 |
| Total risk-based capital ratio | 14.6627% | 4,538 |
| Memoranda: |
| Average total assets | $129,504,750 | 4,016 |
| Average earning assets | $117,248,750 | 4,051 |
| Average equity | $11,049,000 | 4,586 |
| Average total loans | $98,990,000 | 3,464 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7321% | 1,222 |
| Cost of funding earning assets | 0.1269% | 6,373 |
| Net interest margin | 4.6052% | 577 |
| Noninterest income to average assets | 2.7207% | 216 |
| Noninterest expense to average assets | 7.3995% | 124 |
| Loan and lease loss provision to assets | 0.0453% | 3,412 |
| Net operating income to assets | -0.5616% | 6,447 |
| Return on assets (ROA) | -0.5616% | 6,452 |
| Pretax return on assets | -0.5616% | 6,438 |
| Return on Equity (ROE) | -6.8921% | 6,480 |
| Retained earnings to average equity (ytd only) | -6.8921% | 6,343 |
| Net charge-offs to loans | -0.1126% | 6,183 |
| Credit loss provision to net charge-offs | -52.6316% | 5,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1985% | 307 |
| Assets per employee ($millions) | 2.4422% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1705% | 4,563 |
| Loan loss allowance to noncurrent loans | 33.5287% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 2.8200% | 928 |
| Noncurrent loans to loans | 3.4911% | 763 |
| Net loans and leases to total assets | 73.2408% | 1,541 |
| Net loans and leases to deposits | 80.3143% | 2,475 |
| Net loans and leases to core deposits | 83.2213% | 2,824 |
| Total domestic deposits to total assets | 91.1928% | 346 |
| Equity capital to assets | 8.1521% | 6,063 |
| Core capital (leverage) ratio | 8.3391% | 5,810 |
| Tier 1 risk-based capital ratio | 11.1960% | 5,960 |
| Total risk-based capital ratio | 12.4326% | 5,909 |
| Memoranda: |
| Average total assets | $132,468,330 | 3,984 |
| Average earning assets | $119,735,330 | 4,015 |
| Average equity | $10,795,000 | 4,654 |
| Average total loans | $101,251,330 | 3,432 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5340% | 1,695 |
| Cost of funding earning assets | 0.1225% | 6,486 |
| Net interest margin | 4.4116% | 785 |
| Noninterest income to average assets | 2.4013% | 254 |
| Noninterest expense to average assets | 7.6528% | 119 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.2353% | 6,607 |
| Return on assets (ROA) | -1.2353% | 6,602 |
| Pretax return on assets | -1.2353% | 6,592 |
| Return on Equity (ROE) | -15.1613% | 6,604 |
| Retained earnings to average equity (ytd only) | -15.1613% | 6,470 |
| Net charge-offs to loans | -0.2175% | 6,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.8873% | 190 |
| Assets per employee ($millions) | 2.2928% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0775% | 5,220 |
| Loan loss allowance to noncurrent loans | 55.0445% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.8288% | 1,905 |
| Noncurrent loans to loans | 1.9575% | 1,922 |
| Net loans and leases to total assets | 76.8399% | 904 |
| Net loans and leases to deposits | 87.5710% | 1,409 |
| Net loans and leases to core deposits | 90.8375% | 1,841 |
| Total domestic deposits to total assets | 87.7458% | 2,386 |
| Equity capital to assets | 8.0048% | 6,056 |
| Core capital (leverage) ratio | 8.1455% | 5,997 |
| Tier 1 risk-based capital ratio | 11.2532% | 6,040 |
| Total risk-based capital ratio | 12.4709% | 6,010 |
| Memoranda: |
| Average total assets | $132,762,500 | 4,014 |
| Average earning assets | $120,864,500 | 4,025 |
| Average equity | $10,817,000 | 4,662 |
| Average total loans | $103,010,000 | 3,409 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0128% | 898 |
| Cost of funding earning assets | 0.1418% | 6,572 |
| Net interest margin | 4.8710% | 384 |
| Noninterest income to average assets | 3.3885% | 190 |
| Noninterest expense to average assets | 8.1591% | 116 |
| Loan and lease loss provision to assets | 0.0490% | 4,151 |
| Net operating income to assets | -0.3823% | 6,451 |
| Return on assets (ROA) | -0.3823% | 6,467 |
| Pretax return on assets | -0.3823% | 6,447 |
| Return on Equity (ROE) | -4.5672% | 6,474 |
| Retained earnings to average equity (ytd only) | -4.5672% | 6,344 |
| Net charge-offs to loans | 0.0041% | 5,399 |
| Credit loss provision to net charge-offs | 1,650.0000% | 151 |
| Earnings coverage of net charge-offs (x) | -112.2500% | 5,466 |
| Efficiency ratio | 103.1395% | 392 |
| Assets per employee ($millions) | 1.8668% | 6,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0290% | 5,422 |
| Loan loss allowance to noncurrent loans | 59.7513% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 2,249 |
| Noncurrent loans to loans | 1.7221% | 2,330 |
| Net loans and leases to total assets | 76.7047% | 987 |
| Net loans and leases to deposits | 84.1801% | 1,912 |
| Net loans and leases to core deposits | 87.0316% | 2,345 |
| Total domestic deposits to total assets | 91.1198% | 526 |
| Equity capital to assets | 8.2910% | 5,782 |
| Core capital (leverage) ratio | 8.0861% | 6,066 |
| Tier 1 risk-based capital ratio | 11.8121% | 5,732 |
| Total risk-based capital ratio | 12.9848% | 5,715 |
| Memoranda: |
| Average total assets | $134,720,400 | 3,984 |
| Average earning assets | $122,726,800 | 3,997 |
| Average equity | $11,276,000 | 4,583 |
| Average total loans | $98,189,000 | 3,494 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9989% | 950 |
| Cost of funding earning assets | 0.1482% | 6,644 |
| Net interest margin | 4.8508% | 392 |
| Noninterest income to average assets | 3.6126% | 193 |
| Noninterest expense to average assets | 8.1261% | 114 |
| Loan and lease loss provision to assets | 0.0651% | 3,757 |
| Net operating income to assets | -0.1577% | 6,436 |
| Return on assets (ROA) | -0.1577% | 6,468 |
| Pretax return on assets | -0.1577% | 6,449 |
| Return on Equity (ROE) | -1.8799% | 6,475 |
| Retained earnings to average equity (ytd only) | -1.8799% | 6,251 |
| Net charge-offs to loans | 0.0041% | 5,114 |
| Credit loss provision to net charge-offs | 2,200.0000% | 149 |
| Earnings coverage of net charge-offs (x) | -31.3325% | 5,189 |
| Efficiency ratio | 100.0736% | 464 |
| Assets per employee ($millions) | 1.6520% | 6,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0417% | 5,546 |
| Loan loss allowance to noncurrent loans | 54.4239% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.7689% | 2,318 |
| Noncurrent loans to loans | 1.9140% | 2,344 |
| Net loans and leases to total assets | 75.1115% | 1,123 |
| Net loans and leases to deposits | 82.5075% | 2,071 |
| Net loans and leases to core deposits | 85.6175% | 2,451 |
| Total domestic deposits to total assets | 91.0360% | 517 |
| Equity capital to assets | 8.4999% | 5,738 |
| Core capital (leverage) ratio | 8.3768% | 5,880 |
| Tier 1 risk-based capital ratio | 12.4897% | 5,465 |
| Total risk-based capital ratio | 13.6948% | 5,427 |
| Memoranda: |
| Average total assets | $135,265,000 | 4,008 |
| Average earning assets | $123,276,500 | 4,026 |
| Average equity | $11,347,750 | 4,619 |
| Average total loans | $97,055,500 | 3,550 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9209% | 1,048 |
| Cost of funding earning assets | 0.1502% | 6,708 |
| Net interest margin | 4.7706% | 453 |
| Noninterest income to average assets | 3.5021% | 206 |
| Noninterest expense to average assets | 7.9824% | 122 |
| Loan and lease loss provision to assets | 0.0162% | 4,569 |
| Net operating income to assets | -0.1459% | 6,449 |
| Return on assets (ROA) | -0.1459% | 6,491 |
| Pretax return on assets | -0.1459% | 6,462 |
| Return on Equity (ROE) | -1.7462% | 6,509 |
| Retained earnings to average equity (ytd only) | -1.7462% | 6,160 |
| Net charge-offs to loans | 0.0063% | 4,760 |
| Credit loss provision to net charge-offs | 366.6667% | 705 |
| Earnings coverage of net charge-offs (x) | -29.3333% | 4,889 |
| Efficiency ratio | 100.5441% | 471 |
| Assets per employee ($millions) | 1.8118% | 6,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9985% | 5,830 |
| Loan loss allowance to noncurrent loans | 85.6533% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.1731% | 3,405 |
| Noncurrent loans to loans | 1.1657% | 3,607 |
| Net loans and leases to total assets | 73.1894% | 1,372 |
| Net loans and leases to deposits | 80.4276% | 2,266 |
| Net loans and leases to core deposits | 83.8203% | 2,586 |
| Total domestic deposits to total assets | 91.0003% | 539 |
| Equity capital to assets | 8.4242% | 5,847 |
| Core capital (leverage) ratio | 8.3677% | 5,805 |
| Tier 1 risk-based capital ratio | 12.4172% | 5,557 |
| Total risk-based capital ratio | 13.5512% | 5,571 |
| Memoranda: |
| Average total assets | $135,749,000 | 4,031 |
| Average earning assets | $123,798,670 | 4,037 |
| Average equity | $11,339,000 | 4,655 |
| Average total loans | $95,551,670 | 3,600 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8271% | 1,235 |
| Cost of funding earning assets | 0.1586% | 6,776 |
| Net interest margin | 4.6684% | 502 |
| Noninterest income to average assets | 2.6798% | 289 |
| Noninterest expense to average assets | 7.8890% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.9581% | 6,799 |
| Return on assets (ROA) | -0.9581% | 6,812 |
| Pretax return on assets | -0.9581% | 6,798 |
| Return on Equity (ROE) | -11.5197% | 6,829 |
| Retained earnings to average equity (ytd only) | -11.5197% | 6,668 |
| Net charge-offs to loans | -0.0043% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5904% | 293 |
| Assets per employee ($millions) | 1.6834% | 6,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1086% | 5,567 |
| Loan loss allowance to noncurrent loans | 83.8384% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 3,546 |
| Noncurrent loans to loans | 1.3224% | 3,579 |
| Net loans and leases to total assets | 66.8040% | 2,230 |
| Net loans and leases to deposits | 73.5658% | 2,980 |
| Net loans and leases to core deposits | 76.9925% | 3,207 |
| Total domestic deposits to total assets | 90.8085% | 607 |
| Equity capital to assets | 8.6043% | 5,913 |
| Core capital (leverage) ratio | 8.1769% | 5,954 |
| Tier 1 risk-based capital ratio | 13.1313% | 5,123 |
| Total risk-based capital ratio | 14.3501% | 5,097 |
| Memoranda: |
| Average total assets | $135,682,000 | 4,073 |
| Average earning assets | $123,553,500 | 4,076 |
| Average equity | $11,285,000 | 4,720 |
| Average total loans | $93,100,000 | 3,673 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3479% | 830 |
| Cost of funding earning assets | 0.2379% | 6,719 |
| Net interest margin | 5.1099% | 320 |
| Noninterest income to average assets | 3.0404% | 249 |
| Noninterest expense to average assets | 7.8949% | 114 |
| Loan and lease loss provision to assets | 0.0714% | 4,843 |
| Net operating income to assets | -0.3273% | 6,464 |
| Return on assets (ROA) | -0.2331% | 6,455 |
| Pretax return on assets | -0.2331% | 6,437 |
| Return on Equity (ROE) | -2.7049% | 6,487 |
| Retained earnings to average equity (ytd only) | -2.7049% | 6,238 |
| Net charge-offs to loans | 0.0834% | 4,845 |
| Credit loss provision to net charge-offs | 118.9873% | 2,414 |
| Earnings coverage of net charge-offs (x) | -4.2658% | 5,898 |
| Efficiency ratio | 102.1769% | 486 |
| Assets per employee ($millions) | 1.7740% | 6,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0326% | 5,845 |
| Loan loss allowance to noncurrent loans | 71.9971% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 3,465 |
| Noncurrent loans to loans | 1.4342% | 3,443 |
| Net loans and leases to total assets | 68.9193% | 2,050 |
| Net loans and leases to deposits | 75.4231% | 2,893 |
| Net loans and leases to core deposits | 78.7834% | 3,163 |
| Total domestic deposits to total assets | 91.3769% | 376 |
| Equity capital to assets | 8.0414% | 6,383 |
| Core capital (leverage) ratio | 8.0604% | 6,131 |
| Tier 1 risk-based capital ratio | 11.5129% | 6,098 |
| Total risk-based capital ratio | 12.6211% | 6,152 |
| Memoranda: |
| Average total assets | $131,693,000 | 4,111 |
| Average earning assets | $118,514,600 | 4,141 |
| Average equity | $11,349,800 | 4,698 |
| Average total loans | $94,766,600 | 3,646 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5306% | 641 |
| Cost of funding earning assets | 0.2558% | 6,787 |
| Net interest margin | 5.2749% | 255 |
| Noninterest income to average assets | 2.8774% | 265 |
| Noninterest expense to average assets | 7.9327% | 110 |
| Loan and lease loss provision to assets | 0.0964% | 4,370 |
| Net operating income to assets | -0.4153% | 6,653 |
| Return on assets (ROA) | -0.3097% | 6,638 |
| Pretax return on assets | -0.3087% | 6,607 |
| Return on Equity (ROE) | -3.5304% | 6,651 |
| Retained earnings to average equity (ytd only) | -3.5304% | 6,520 |
| Net charge-offs to loans | 0.1144% | 4,237 |
| Credit loss provision to net charge-offs | 116.0494% | 2,507 |
| Earnings coverage of net charge-offs (x) | -3.8270% | 5,689 |
| Efficiency ratio | 102.9895% | 449 |
| Assets per employee ($millions) | 1.6596% | 7,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0066% | 6,054 |
| Loan loss allowance to noncurrent loans | 64.1473% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.5273% | 3,288 |
| Noncurrent loans to loans | 1.5692% | 3,435 |
| Net loans and leases to total assets | 75.4409% | 1,057 |
| Net loans and leases to deposits | 83.1440% | 1,980 |
| Net loans and leases to core deposits | 87.4920% | 2,279 |
| Total domestic deposits to total assets | 90.7352% | 505 |
| Equity capital to assets | 8.6406% | 6,147 |
| Core capital (leverage) ratio | 8.2532% | 6,083 |
| Tier 1 risk-based capital ratio | 11.3405% | 6,332 |
| Total risk-based capital ratio | 12.4326% | 6,375 |
| Memoranda: |
| Average total assets | $130,023,250 | 4,189 |
| Average earning assets | $116,777,000 | 4,231 |
| Average equity | $11,405,500 | 4,732 |
| Average total loans | $94,368,250 | 3,692 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6894% | 492 |
| Cost of funding earning assets | 0.2697% | 6,839 |
| Net interest margin | 5.4197% | 203 |
| Noninterest income to average assets | 2.8184% | 260 |
| Noninterest expense to average assets | 7.6212% | 127 |
| Loan and lease loss provision to assets | 0.0845% | 4,538 |
| Net operating income to assets | -0.0414% | 6,368 |
| Return on assets (ROA) | 0.1152% | 6,285 |
| Pretax return on assets | 0.1167% | 6,296 |
| Return on Equity (ROE) | 1.3067% | 6,232 |
| Retained earnings to average equity (ytd only) | 1.3067% | 5,539 |
| Net charge-offs to loans | -0.0108% | 6,295 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2565% | 614 |
| Assets per employee ($millions) | 1.5976% | 7,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1212% | 5,691 |
| Loan loss allowance to noncurrent loans | 100.9709% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.0718% | 4,241 |
| Noncurrent loans to loans | 1.1104% | 4,303 |
| Net loans and leases to total assets | 70.8788% | 1,760 |
| Net loans and leases to deposits | 78.4092% | 2,611 |
| Net loans and leases to core deposits | 83.2139% | 2,797 |
| Total domestic deposits to total assets | 90.3960% | 718 |
| Equity capital to assets | 8.8807% | 5,827 |
| Core capital (leverage) ratio | 8.4705% | 5,683 |
| Tier 1 risk-based capital ratio | 12.1797% | 5,812 |
| Total risk-based capital ratio | 13.3542% | 5,838 |
| Memoranda: |
| Average total assets | $130,215,330 | 4,204 |
| Average earning assets | $116,426,330 | 4,263 |
| Average equity | $11,479,000 | 4,720 |
| Average total loans | $92,941,330 | 3,731 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5706% | 667 |
| Cost of funding earning assets | 0.2823% | 6,899 |
| Net interest margin | 5.2883% | 251 |
| Noninterest income to average assets | 3.0409% | 237 |
| Noninterest expense to average assets | 7.7292% | 119 |
| Loan and lease loss provision to assets | 0.1684% | 3,286 |
| Net operating income to assets | -0.0949% | 6,534 |
| Return on assets (ROA) | 0.1072% | 6,349 |
| Pretax return on assets | 0.1072% | 6,372 |
| Return on Equity (ROE) | 1.2203% | 6,303 |
| Retained earnings to average equity (ytd only) | 1.2203% | 5,603 |
| Net charge-offs to loans | 0.1118% | 3,456 |
| Credit loss provision to net charge-offs | 211.5385% | 1,288 |
| Earnings coverage of net charge-offs (x) | 0.9231% | 3,864 |
| Efficiency ratio | 97.9199% | 636 |
| Assets per employee ($millions) | 1.6932% | 7,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1010% | 5,903 |
| Loan loss allowance to noncurrent loans | 62.9052% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.5041% | 3,603 |
| Noncurrent loans to loans | 1.7502% | 3,487 |
| Net loans and leases to total assets | 69.5184% | 1,833 |
| Net loans and leases to deposits | 76.8499% | 2,694 |
| Net loans and leases to core deposits | 81.2172% | 2,927 |
| Total domestic deposits to total assets | 90.4600% | 824 |
| Equity capital to assets | 8.8114% | 5,741 |
| Core capital (leverage) ratio | 8.3509% | 5,807 |
| Tier 1 risk-based capital ratio | 13.2563% | 5,024 |
| Total risk-based capital ratio | 14.5050% | 5,005 |
| Memoranda: |
| Average total assets | $130,621,000 | 4,217 |
| Average earning assets | $117,618,500 | 4,259 |
| Average equity | $11,472,500 | 4,736 |
| Average total loans | $93,032,000 | 3,755 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9253% | 492 |
| Cost of funding earning assets | 0.2959% | 7,112 |
| Net interest margin | 5.6293% | 143 |
| Noninterest income to average assets | 1.8854% | 411 |
| Noninterest expense to average assets | 8.0393% | 103 |
| Loan and lease loss provision to assets | 0.6467% | 1,575 |
| Net operating income to assets | -1.6847% | 6,955 |
| Return on assets (ROA) | -1.6339% | 6,960 |
| Pretax return on assets | -1.6323% | 6,928 |
| Return on Equity (ROE) | -17.4317% | 6,942 |
| Retained earnings to average equity (ytd only) | -17.4317% | 6,924 |
| Net charge-offs to loans | 0.7378% | 2,304 |
| Credit loss provision to net charge-offs | 135.6073% | 2,212 |
| Earnings coverage of net charge-offs (x) | -2.1730% | 6,288 |
| Efficiency ratio | 113.4618% | 376 |
| Assets per employee ($millions) | 1.7449% | 7,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0379% | 6,041 |
| Loan loss allowance to noncurrent loans | 79.4809% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9972% | 4,612 |
| Noncurrent loans to loans | 1.3059% | 4,193 |
| Net loans and leases to total assets | 71.4011% | 1,751 |
| Net loans and leases to deposits | 78.9554% | 2,686 |
| Net loans and leases to core deposits | 83.7545% | 2,922 |
| Total domestic deposits to total assets | 90.4321% | 750 |
| Equity capital to assets | 8.7548% | 5,844 |
| Core capital (leverage) ratio | 8.4601% | 5,627 |
| Tier 1 risk-based capital ratio | 12.0164% | 5,825 |
| Total risk-based capital ratio | 13.1238% | 5,901 |
| Memoranda: |
| Average total assets | $126,017,800 | 4,249 |
| Average earning assets | $114,560,400 | 4,271 |
| Average equity | $11,811,800 | 4,597 |
| Average total loans | $81,460,000 | 4,095 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5342% | 1,173 |
| Cost of funding earning assets | 0.2846% | 7,232 |
| Net interest margin | 5.2496% | 268 |
| Noninterest income to average assets | 1.6142% | 507 |
| Noninterest expense to average assets | 8.1554% | 102 |
| Loan and lease loss provision to assets | 0.5288% | 1,868 |
| Net operating income to assets | -2.2830% | 7,189 |
| Return on assets (ROA) | -2.2156% | 7,186 |
| Pretax return on assets | -2.2135% | 7,165 |
| Return on Equity (ROE) | -23.2365% | 7,143 |
| Retained earnings to average equity (ytd only) | -23.2365% | 7,132 |
| Net charge-offs to loans | 0.4091% | 3,089 |
| Credit loss provision to net charge-offs | 206.2500% | 1,421 |
| Earnings coverage of net charge-offs (x) | -6.8334% | 6,118 |
| Efficiency ratio | 125.8926% | 257 |
| Assets per employee ($millions) | 1.6645% | 7,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1339% | 5,753 |
| Loan loss allowance to noncurrent loans | 81.9422% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0284% | 4,707 |
| Noncurrent loans to loans | 1.3838% | 4,218 |
| Net loans and leases to total assets | 69.4600% | 2,189 |
| Net loans and leases to deposits | 76.7610% | 3,198 |
| Net loans and leases to core deposits | 80.7192% | 3,528 |
| Total domestic deposits to total assets | 90.4887% | 642 |
| Equity capital to assets | 8.6148% | 6,182 |
| Core capital (leverage) ratio | 8.2454% | 6,065 |
| Tier 1 risk-based capital ratio | 12.9477% | 5,139 |
| Total risk-based capital ratio | 14.1984% | 5,104 |
| Memoranda: |
| Average total assets | $124,806,000 | 4,300 |
| Average earning assets | $113,858,750 | 4,308 |
| Average equity | $11,900,500 | 4,592 |
| Average total loans | $78,220,250 | 4,240 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3810% | 1,620 |
| Cost of funding earning assets | 0.2497% | 7,360 |
| Net interest margin | 5.1313% | 317 |
| Noninterest income to average assets | 1.3114% | 730 |
| Noninterest expense to average assets | 7.9475% | 114 |
| Loan and lease loss provision to assets | 0.6145% | 1,560 |
| Net operating income to assets | -2.5678% | 7,269 |
| Return on assets (ROA) | -2.5678% | 7,274 |
| Pretax return on assets | -2.5645% | 7,256 |
| Return on Equity (ROE) | -26.0606% | 7,207 |
| Retained earnings to average equity (ytd only) | -26.0606% | 7,198 |
| Net charge-offs to loans | 0.1212% | 4,503 |
| Credit loss provision to net charge-offs | 844.4444% | 387 |
| Earnings coverage of net charge-offs (x) | -26.8000% | 5,849 |
| Efficiency ratio | 130.9248% | 247 |
| Assets per employee ($millions) | 1.5525% | 7,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3718% | 4,718 |
| Loan loss allowance to noncurrent loans | 63.6049% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.5354% | 3,902 |
| Noncurrent loans to loans | 2.1567% | 3,276 |
| Net loans and leases to total assets | 63.7367% | 3,523 |
| Net loans and leases to deposits | 70.9665% | 4,297 |
| Net loans and leases to core deposits | 74.3066% | 4,541 |
| Total domestic deposits to total assets | 89.8124% | 1,068 |
| Equity capital to assets | 9.3229% | 5,113 |
| Core capital (leverage) ratio | 8.6367% | 5,331 |
| Tier 1 risk-based capital ratio | 14.0170% | 4,161 |
| Total risk-based capital ratio | 15.2392% | 4,153 |
| Memoranda: |
| Average total assets | $123,687,000 | 4,352 |
| Average earning assets | $112,953,670 | 4,359 |
| Average equity | $12,187,000 | 4,509 |
| Average total loans | $74,279,330 | 4,423 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1787% | 2,307 |
| Cost of funding earning assets | 0.2512% | 7,434 |
| Net interest margin | 4.9276% | 435 |
| Noninterest income to average assets | 0.8523% | 1,842 |
| Noninterest expense to average assets | 7.7161% | 118 |
| Loan and lease loss provision to assets | 0.7680% | 1,115 |
| Net operating income to assets | -3.1240% | 7,402 |
| Return on assets (ROA) | -3.1240% | 7,405 |
| Pretax return on assets | -3.1175% | 7,385 |
| Return on Equity (ROE) | -30.8702% | 7,326 |
| Retained earnings to average equity (ytd only) | -30.8702% | 7,300 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.0290% | 207 |
| Assets per employee ($millions) | 1.7473% | 7,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3329% | 4,979 |
| Loan loss allowance to noncurrent loans | 82.0114% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.1680% | 4,606 |
| Noncurrent loans to loans | 1.6253% | 4,042 |
| Net loans and leases to total assets | 59.8452% | 4,295 |
| Net loans and leases to deposits | 66.9221% | 4,838 |
| Net loans and leases to core deposits | 70.4971% | 4,977 |
| Total domestic deposits to total assets | 89.4253% | 1,516 |
| Equity capital to assets | 9.6872% | 4,192 |
| Core capital (leverage) ratio | 9.0600% | 4,509 |
| Tier 1 risk-based capital ratio | 15.8361% | 2,979 |
| Total risk-based capital ratio | 17.0917% | 2,945 |
| Memoranda: |
| Average total assets | $123,430,500 | 4,384 |
| Average earning assets | $113,078,000 | 4,380 |
| Average equity | $12,491,000 | 4,450 |
| Average total loans | $71,288,000 | 4,570 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0607% | 7,083 |
| Cost of funding earning assets | 0.2012% | 7,552 |
| Net interest margin | 3.8596% | 3,691 |
| Noninterest income to average assets | 0.9546% | 1,655 |
| Noninterest expense to average assets | 5.7434% | 260 |
| Loan and lease loss provision to assets | 0.7079% | 2,317 |
| Net operating income to assets | -2.0571% | 7,073 |
| Return on assets (ROA) | -2.0571% | 7,083 |
| Pretax return on assets | -2.0571% | 7,043 |
| Return on Equity (ROE) | -19.3005% | 7,024 |
| Retained earnings to average equity (ytd only) | -19.3005% | 7,000 |
| Net charge-offs to loans | -0.0031% | 7,245 |
| Credit loss provision to net charge-offs | -38,300.0000% | 7,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.0641% | 327 |
| Assets per employee ($millions) | 1.9188% | 7,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1377% | 5,789 |
| Loan loss allowance to noncurrent loans | 112.6471% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.5203% | 4,034 |
| Noncurrent loans to loans | 1.0100% | 5,045 |
| Net loans and leases to total assets | 54.2040% | 5,608 |
| Net loans and leases to deposits | 61.1646% | 5,937 |
| Net loans and leases to core deposits | 63.9297% | 6,056 |
| Total domestic deposits to total assets | 88.6198% | 1,877 |
| Equity capital to assets | 10.5569% | 3,098 |
| Core capital (leverage) ratio | 10.2172% | 2,847 |
| Tier 1 risk-based capital ratio | 17.1752% | 2,284 |
| Total risk-based capital ratio | 18.2560% | 2,310 |
| Memoranda: |
| Average total assets | $108,210,600 | 4,764 |
| Average earning assets | $96,435,600 | 4,813 |
| Average equity | $11,533,400 | 4,724 |
| Average total loans | $63,801,000 | 4,922 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3994% | 7,559 |
| Cost of funding earning assets | 0.1802% | 7,680 |
| Net interest margin | 3.2192% | 6,277 |
| Noninterest income to average assets | 0.6529% | 3,105 |
| Noninterest expense to average assets | 4.5458% | 564 |
| Loan and lease loss provision to assets | 0.2576% | 4,519 |
| Net operating income to assets | -1.3159% | 7,040 |
| Return on assets (ROA) | -1.3159% | 7,065 |
| Pretax return on assets | -1.3032% | 6,980 |
| Return on Equity (ROE) | -12.3121% | 7,021 |
| Retained earnings to average equity (ytd only) | -12.3121% | 6,983 |
| Net charge-offs to loans | -0.0042% | 7,200 |
| Credit loss provision to net charge-offs | -10,100.0000% | 7,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.8725% | 294 |
| Assets per employee ($millions) | 1.7736% | 7,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3031% | 7,591 |
| Loan loss allowance to noncurrent loans | 23.5706% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 1.9999% | 3,469 |
| Noncurrent loans to loans | 1.2860% | 4,707 |
| Net loans and leases to total assets | 58.5307% | 5,178 |
| Net loans and leases to deposits | 67.5358% | 5,483 |
| Net loans and leases to core deposits | 71.5430% | 5,568 |
| Total domestic deposits to total assets | 86.6661% | 2,707 |
| Equity capital to assets | 12.5507% | 1,830 |
| Core capital (leverage) ratio | 12.3489% | 1,482 |
| Tier 1 risk-based capital ratio | 19.1712% | 1,712 |
| Total risk-based capital ratio | 19.4717% | 1,917 |
| Memoranda: |
| Average total assets | $104,563,000 | 4,918 |
| Average earning assets | $92,483,250 | 4,995 |
| Average equity | $11,175,750 | 4,885 |
| Average total loans | $62,919,000 | 5,033 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9872% | 7,770 |
| Cost of funding earning assets | 0.1160% | 7,772 |
| Net interest margin | 1.8712% | 7,682 |
| Noninterest income to average assets | 0.3583% | 5,279 |
| Noninterest expense to average assets | 2.4315% | 5,973 |
| Loan and lease loss provision to assets | 0.0197% | 6,734 |
| Net operating income to assets | -0.4391% | 6,601 |
| Return on assets (ROA) | -0.4391% | 6,635 |
| Pretax return on assets | -0.4410% | 6,546 |
| Return on Equity (ROE) | -4.3931% | 6,645 |
| Retained earnings to average equity (ytd only) | -4.3931% | 6,484 |
| Net charge-offs to loans | -0.0065% | 7,143 |
| Credit loss provision to net charge-offs | -500.0000% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.9598% | 403 |
| Assets per employee ($millions) | 1.7700% | 7,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0171% | 7,757 |
| Loan loss allowance to noncurrent loans | 0.8613% | 7,328 |
| Noncurrent assets plus other real estate owned to assets | 2.3840% | 3,021 |
| Noncurrent loans to loans | 1.9808% | 3,747 |
| Net loans and leases to total assets | 54.2775% | 5,956 |
| Net loans and leases to deposits | 64.1020% | 6,030 |
| Net loans and leases to core deposits | 66.9515% | 6,159 |
| Total domestic deposits to total assets | 84.6737% | 3,784 |
| Equity capital to assets | 13.9454% | 1,177 |
| Core capital (leverage) ratio | 13.1539% | 1,155 |
| Tier 1 risk-based capital ratio | 22.1527% | 1,174 |
| Total risk-based capital ratio | 22.1807% | 1,323 |
| Memoranda: |
| Average total assets | $101,581,330 | 5,035 |
| Average earning assets | $89,674,000 | 5,105 |
| Average equity | $10,152,330 | 5,157 |
| Average total loans | $61,679,000 | 5,108 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3440% | 493 |
| Cost of funding earning assets | 0.6376% | 7,478 |
| Net interest margin | 5.7064% | 142 |
| Noninterest income to average assets | 0.9839% | 1,350 |
| Noninterest expense to average assets | 5.6715% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3700% | 4,974 |
| Return on assets (ROA) | 0.3700% | 5,098 |
| Pretax return on assets | 0.3700% | 5,381 |
| Return on Equity (ROE) | 4.7273% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.7273% | 3,311 |
| Net charge-offs to loans | 0.4113% | 2,811 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 3,907 |
| Efficiency ratio | 93.8762% | 1,139 |
| Assets per employee ($millions) | 2.1391% | 7,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4950% | 1,299 |
| Loan loss allowance to noncurrent loans | 73.2101% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 5.3801% | 1,160 |
| Noncurrent loans to loans | 3.4079% | 2,342 |
| Net loans and leases to total assets | 61.3228% | 4,892 |
| Net loans and leases to deposits | 66.8895% | 5,723 |
| Net loans and leases to core deposits | 70.2285% | 5,896 |
| Total domestic deposits to total assets | 91.6778% | 329 |
| Equity capital to assets | 7.8771% | 6,782 |
| Core capital (leverage) ratio | 7.6987% | 6,627 |
| Tier 1 risk-based capital ratio | 11.7784% | 5,417 |
| Total risk-based capital ratio | 13.0416% | 5,346 |
| Memoranda: |
| Average total assets | $98,386,500 | 5,197 |
| Average earning assets | $87,200,500 | 5,268 |
| Average equity | $7,700,000 | 5,944 |
| Average total loans | $63,211,500 | 5,129 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0316% | 1,746 |
| Cost of funding earning assets | 1.0020% | 7,202 |
| Net interest margin | 5.0296% | 420 |
| Noninterest income to average assets | 1.0366% | 1,448 |
| Noninterest expense to average assets | 6.3638% | 265 |
| Loan and lease loss provision to assets | 0.6567% | 3,184 |
| Net operating income to assets | -2.4055% | 7,234 |
| Return on assets (ROA) | -2.4055% | 7,240 |
| Pretax return on assets | -1.8812% | 6,893 |
| Return on Equity (ROE) | -25.4565% | 7,298 |
| Retained earnings to average equity (ytd only) | -25.4565% | 7,276 |
| Net charge-offs to loans | 2.8609% | 763 |
| Credit loss provision to net charge-offs | 34.4097% | 6,873 |
| Earnings coverage of net charge-offs (x) | -0.6416% | 6,775 |
| Efficiency ratio | 123.8254% | 549 |
| Assets per employee ($millions) | 2.0495% | 7,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4931% | 1,232 |
| Loan loss allowance to noncurrent loans | 82.4705% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 5.1609% | 1,164 |
| Noncurrent loans to loans | 3.0230% | 2,553 |
| Net loans and leases to total assets | 63.9691% | 4,603 |
| Net loans and leases to deposits | 69.6233% | 5,654 |
| Net loans and leases to core deposits | 85.0415% | 5,614 |
| Total domestic deposits to total assets | 91.8790% | 283 |
| Equity capital to assets | 7.7754% | 6,792 |
| Core capital (leverage) ratio | 7.4696% | 6,819 |
| Tier 1 risk-based capital ratio | 11.4686% | 5,425 |
| Total risk-based capital ratio | 12.7327% | 5,374 |
| Memoranda: |
| Average total assets | $98,982,000 | 5,112 |
| Average earning assets | $80,741,600 | 5,432 |
| Average equity | $9,353,200 | 5,486 |
| Average total loans | $66,029,200 | 5,015 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2165% | 1,334 |
| Cost of funding earning assets | 1.0668% | 7,251 |
| Net interest margin | 5.1497% | 330 |
| Noninterest income to average assets | 1.0975% | 1,323 |
| Noninterest expense to average assets | 6.2849% | 277 |
| Loan and lease loss provision to assets | 0.0054% | 7,261 |
| Net operating income to assets | -0.6348% | 6,557 |
| Return on assets (ROA) | -0.6348% | 6,565 |
| Pretax return on assets | -1.0961% | 6,757 |
| Return on Equity (ROE) | -6.4353% | 6,600 |
| Retained earnings to average equity (ytd only) | -6.4353% | 6,436 |
| Net charge-offs to loans | 3.3352% | 469 |
| Credit loss provision to net charge-offs | 0.2408% | 6,656 |
| Earnings coverage of net charge-offs (x) | -0.4883% | 6,472 |
| Efficiency ratio | 120.9995% | 573 |
| Assets per employee ($millions) | 2.1102% | 7,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7747% | 2,369 |
| Loan loss allowance to noncurrent loans | 36.3886% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 7.1092% | 669 |
| Noncurrent loans to loans | 4.8771% | 1,385 |
| Net loans and leases to total assets | 65.0788% | 4,632 |
| Net loans and leases to deposits | 72.2226% | 5,611 |
| Net loans and leases to core deposits | 88.5960% | 5,581 |
| Total domestic deposits to total assets | 90.1087% | 727 |
| Equity capital to assets | 9.4312% | 4,835 |
| Core capital (leverage) ratio | 8.6140% | 5,287 |
| Tier 1 risk-based capital ratio | 11.9943% | 4,988 |
| Total risk-based capital ratio | 13.2504% | 4,915 |
| Memoranda: |
| Average total assets | $99,134,000 | 5,146 |
| Average earning assets | $78,863,750 | 5,528 |
| Average equity | $9,779,250 | 5,406 |
| Average total loans | $66,402,000 | 5,046 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0443% | 1,999 |
| Cost of funding earning assets | 1.1140% | 7,343 |
| Net interest margin | 4.9303% | 507 |
| Noninterest income to average assets | 1.0446% | 1,448 |
| Noninterest expense to average assets | 6.3913% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.6198% | 6,676 |
| Return on assets (ROA) | -0.6198% | 6,680 |
| Pretax return on assets | -1.2905% | 6,983 |
| Return on Equity (ROE) | -6.1900% | 6,730 |
| Retained earnings to average equity (ytd only) | -6.1900% | 6,476 |
| Net charge-offs to loans | 4.9784% | 248 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -0.3855% | 6,012 |
| Efficiency ratio | 125.2988% | 580 |
| Assets per employee ($millions) | 2.0599% | 7,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8365% | 1,952 |
| Loan loss allowance to noncurrent loans | 34.3535% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 7.2492% | 570 |
| Noncurrent loans to loans | 5.3458% | 1,108 |
| Net loans and leases to total assets | 63.6013% | 5,063 |
| Net loans and leases to deposits | 70.6997% | 5,913 |
| Net loans and leases to core deposits | 86.2989% | 5,872 |
| Total domestic deposits to total assets | 89.9599% | 853 |
| Equity capital to assets | 9.6181% | 4,469 |
| Core capital (leverage) ratio | 8.7037% | 5,079 |
| Tier 1 risk-based capital ratio | 11.3627% | 5,543 |
| Total risk-based capital ratio | 12.6179% | 5,438 |
| Memoranda: |
| Average total assets | $98,415,000 | 5,203 |
| Average earning assets | $80,968,670 | 5,497 |
| Average equity | $9,854,670 | 5,404 |
| Average total loans | $66,166,000 | 5,102 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4079% | 1,050 |
| Cost of funding earning assets | 1.1596% | 7,392 |
| Net interest margin | 5.2484% | 258 |
| Noninterest income to average assets | 0.8440% | 2,106 |
| Noninterest expense to average assets | 6.4227% | 247 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.6135% | 6,977 |
| Return on assets (ROA) | -0.6135% | 7,020 |
| Pretax return on assets | -1.2928% | 7,297 |
| Return on Equity (ROE) | -6.0032% | 7,065 |
| Retained earnings to average equity (ytd only) | -6.0032% | 6,683 |
| Net charge-offs to loans | 9.8872% | 64 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.1909% | 5,128 |
| Efficiency ratio | 125.2006% | 567 |
| Assets per employee ($millions) | 1.7101% | 8,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9775% | 1,468 |
| Loan loss allowance to noncurrent loans | 36.8905% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 8.6204% | 311 |
| Noncurrent loans to loans | 5.3605% | 985 |
| Net loans and leases to total assets | 60.1222% | 5,630 |
| Net loans and leases to deposits | 67.0132% | 6,272 |
| Net loans and leases to core deposits | 82.9753% | 6,149 |
| Total domestic deposits to total assets | 89.7170% | 925 |
| Equity capital to assets | 9.9382% | 4,068 |
| Core capital (leverage) ratio | 8.7899% | 5,010 |
| Tier 1 risk-based capital ratio | 11.8372% | 5,088 |
| Total risk-based capital ratio | 13.0889% | 4,995 |
| Memoranda: |
| Average total assets | $97,155,000 | 5,266 |
| Average earning assets | $79,339,000 | 5,573 |
| Average equity | $9,928,000 | 5,407 |
| Average total loans | $66,550,500 | 5,118 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4633% | 441 |
| Cost of funding earning assets | 1.3871% | 7,754 |
| Net interest margin | 6.0762% | 101 |
| Noninterest income to average assets | 1.4194% | 713 |
| Noninterest expense to average assets | 6.8067% | 298 |
| Loan and lease loss provision to assets | 2.2433% | 509 |
| Net operating income to assets | -1.2772% | 7,374 |
| Return on assets (ROA) | -1.2778% | 7,321 |
| Pretax return on assets | -2.3929% | 7,562 |
| Return on Equity (ROE) | -11.6808% | 7,403 |
| Retained earnings to average equity (ytd only) | -11.6808% | 7,223 |
| Net charge-offs to loans | 1.0609% | 1,156 |
| Credit loss provision to net charge-offs | 277.7222% | 1,645 |
| Earnings coverage of net charge-offs (x) | -0.1840% | 6,366 |
| Efficiency ratio | 102.2320% | 908 |
| Assets per employee ($millions) | 1.5855% | 8,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9409% | 199 |
| Loan loss allowance to noncurrent loans | 31.5219% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 11.1325% | 121 |
| Noncurrent loans to loans | 12.5022% | 115 |
| Net loans and leases to total assets | 72.9751% | 3,364 |
| Net loans and leases to deposits | 81.9094% | 4,745 |
| Net loans and leases to core deposits | 97.2078% | 5,126 |
| Total domestic deposits to total assets | 89.0925% | 1,006 |
| Equity capital to assets | 10.5112% | 3,491 |
| Core capital (leverage) ratio | 10.2749% | 3,193 |
| Tier 1 risk-based capital ratio | 13.6825% | 3,706 |
| Total risk-based capital ratio | 14.9662% | 3,608 |
| Memoranda: |
| Average total assets | $98,917,800 | 5,088 |
| Average earning assets | $85,283,600 | 5,257 |
| Average equity | $10,821,200 | 5,179 |
| Average total loans | $75,311,400 | 4,679 |
