Home > State Central Bank > Performance and Condition Ratios
State Central Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 1,517 |
| Cost of funding earning assets | 1.3722% | 2,302 |
| Net interest margin | 3.9141% | 1,347 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 3.9579% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5589% | 3,542 |
| Return on assets (ROA) | 0.7452% | 3,044 |
| Pretax return on assets | 0.7452% | 3,348 |
| Return on Equity (ROE) | 7.3200% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.2390% | 1,814 |
| Net charge-offs to loans | -1.7560% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.6260% | 496 |
| Assets per employee ($millions) | 2.1631% | 4,440 |
| Cash dividends to net income (ytd only)* | 1.1111% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1279% | 21 |
| Loan loss allowance to noncurrent loans | 84.4340% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 3.0411% | 71 |
| Noncurrent loans to loans | 9.6264% | 10 |
| Net loans and leases to total assets | 28.4700% | 4,327 |
| Net loans and leases to deposits | 32.1375% | 4,330 |
| Net loans and leases to core deposits | 32.1375% | 4,376 |
| Total domestic deposits to total assets | 88.5800% | 1,186 |
| Equity capital to assets | 11.2277% | 1,397 |
| Core capital (leverage) ratio | 11.0805% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $48,308,000 | 4,329 |
| Average earning assets | $43,944,200 | 4,307 |
| Average equity | $4,917,800 | 4,269 |
| Average total loans | $14,977,600 | 4,349 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 2,479 |
| Cost of funding earning assets | 1.3150% | 2,113 |
| Net interest margin | 3.3819% | 2,493 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 3.7039% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3056% | 4,112 |
| Return on assets (ROA) | 0.2529% | 4,179 |
| Pretax return on assets | 0.2529% | 4,201 |
| Return on Equity (ROE) | 2.5300% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.5339% | 3,627 |
| Net charge-offs to loans | -1.6859% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.3770% | 307 |
| Assets per employee ($millions) | 2.2203% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8854% | 19 |
| Loan loss allowance to noncurrent loans | 72.9412% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 3.5259% | 51 |
| Noncurrent loans to loans | 10.8106% | 8 |
| Net loans and leases to total assets | 29.5100% | 4,327 |
| Net loans and leases to deposits | 32.9274% | 4,346 |
| Net loans and leases to core deposits | 32.9274% | 4,359 |
| Total domestic deposits to total assets | 89.6300% | 1,035 |
| Equity capital to assets | 10.2411% | 1,676 |
| Core capital (leverage) ratio | 10.9194% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $47,984,500 | 4,349 |
| Average earning assets | $43,801,000 | 4,325 |
| Average equity | $4,788,250 | 4,285 |
| Average total loans | $14,868,000 | 4,375 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 2,456 |
| Cost of funding earning assets | 1.2317% | 1,898 |
| Net interest margin | 3.3490% | 2,646 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 3.4808% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4418% | 3,926 |
| Return on assets (ROA) | 0.3634% | 4,088 |
| Pretax return on assets | 0.3634% | 4,165 |
| Return on Equity (ROE) | 3.6700% | 4,073 |
| Retained earnings to average equity (ytd only) | 3.6723% | 3,292 |
| Net charge-offs to loans | -1.4147% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.7368% | 396 |
| Assets per employee ($millions) | 2.5642% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5372% | 23 |
| Loan loss allowance to noncurrent loans | 70.5996% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 3.2431% | 56 |
| Noncurrent loans to loans | 10.6759% | 9 |
| Net loans and leases to total assets | 27.5700% | 4,369 |
| Net loans and leases to deposits | 30.6123% | 4,391 |
| Net loans and leases to core deposits | 30.6123% | 4,401 |
| Total domestic deposits to total assets | 90.0700% | 908 |
| Equity capital to assets | 9.8298% | 1,958 |
| Core capital (leverage) ratio | 10.5019% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $48,437,333 | 4,364 |
| Average earning assets | $44,491,333 | 4,340 |
| Average equity | $4,792,667 | 4,312 |
| Average total loans | $14,844,333 | 4,396 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 2,661 |
| Cost of funding earning assets | 1.1541% | 1,581 |
| Net interest margin | 3.2008% | 3,117 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 3.1472% | 868 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5632% | 3,765 |
| Return on assets (ROA) | 0.4058% | 4,029 |
| Pretax return on assets | 0.4058% | 4,123 |
| Return on Equity (ROE) | 4.0900% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.0880% | 3,248 |
| Net charge-offs to loans | -0.6932% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.8214% | 555 |
| Assets per employee ($millions) | 2.6738% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7165% | 19 |
| Loan loss allowance to noncurrent loans | 47.8118% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 4.5566% | 19 |
| Noncurrent loans to loans | 14.0477% | 4 |
| Net loans and leases to total assets | 29.3200% | 4,378 |
| Net loans and leases to deposits | 32.6666% | 4,398 |
| Net loans and leases to core deposits | 32.6666% | 4,411 |
| Total domestic deposits to total assets | 89.7500% | 1,249 |
| Equity capital to assets | 10.1417% | 1,747 |
| Core capital (leverage) ratio | 10.5408% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $48,296,500 | 4,429 |
| Average earning assets | $44,364,500 | 4,406 |
| Average equity | $4,794,500 | 4,364 |
| Average total loans | $15,002,500 | 4,454 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3197% | 3,539 |
| Cost of funding earning assets | 0.4603% | 1,649 |
| Net interest margin | 2.8594% | 3,771 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 3.0208% | 942 |
| Loan and lease loss provision to assets | -0.6000% | 4,699 |
| Net operating income to assets | 1.1971% | 1,779 |
| Return on assets (ROA) | 1.0484% | 2,325 |
| Pretax return on assets | 1.0484% | 2,921 |
| Return on Equity (ROE) | 10.6100% | 2,610 |
| Retained earnings to average equity (ytd only) | 10.6063% | 982 |
| Net charge-offs to loans | -0.9887% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.5556% | 508 |
| Assets per employee ($millions) | 2.8509% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6541% | 18 |
| Loan loss allowance to noncurrent loans | 59.1751% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 3.5324% | 30 |
| Noncurrent loans to loans | 11.2448% | 7 |
| Net loans and leases to total assets | 28.6600% | 4,417 |
| Net loans and leases to deposits | 31.7716% | 4,436 |
| Net loans and leases to core deposits | 31.7716% | 4,453 |
| Total domestic deposits to total assets | 90.1900% | 1,276 |
| Equity capital to assets | 9.7142% | 1,878 |
| Core capital (leverage) ratio | 10.2908% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $49,788,200 | 4,441 |
| Average earning assets | $46,059,000 | 4,417 |
| Average equity | $4,921,600 | 4,438 |
| Average total loans | $14,666,200 | 4,488 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0193% | 3,856 |
| Cost of funding earning assets | 0.3106% | 2,055 |
| Net interest margin | 2.7087% | 3,908 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 2.8758% | 1,101 |
| Loan and lease loss provision to assets | -0.8000% | 4,742 |
| Net operating income to assets | 1.4073% | 1,072 |
| Return on assets (ROA) | 1.2104% | 1,635 |
| Pretax return on assets | 1.2104% | 2,326 |
| Return on Equity (ROE) | 12.1900% | 1,977 |
| Retained earnings to average equity (ytd only) | 12.1940% | 752 |
| Net charge-offs to loans | -1.0401% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.5191% | 629 |
| Assets per employee ($millions) | 3.3956% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2606% | 23 |
| Loan loss allowance to noncurrent loans | 53.1008% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 3.3241% | 37 |
| Noncurrent loans to loans | 11.7901% | 5 |
| Net loans and leases to total assets | 26.4300% | 4,500 |
| Net loans and leases to deposits | 28.7756% | 4,515 |
| Net loans and leases to core deposits | 28.7756% | 4,522 |
| Total domestic deposits to total assets | 91.8500% | 926 |
| Equity capital to assets | 8.0913% | 2,844 |
| Core capital (leverage) ratio | 9.6704% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $50,119,000 | 4,473 |
| Average earning assets | $46,367,750 | 4,446 |
| Average equity | $4,975,000 | 4,473 |
| Average total loans | $14,613,250 | 4,523 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7598% | 4,047 |
| Cost of funding earning assets | 0.1775% | 3,209 |
| Net interest margin | 2.5824% | 3,938 |
| Noninterest income to average assets | 0.9073% | 828 |
| Noninterest expense to average assets | 2.9601% | 896 |
| Loan and lease loss provision to assets | -1.2316% | 4,766 |
| Net operating income to assets | 1.5683% | 590 |
| Return on assets (ROA) | 1.2645% | 1,223 |
| Pretax return on assets | 1.2645% | 1,855 |
| Return on Equity (ROE) | 11.9195% | 1,688 |
| Retained earnings to average equity (ytd only) | 11.9195% | 616 |
| Net charge-offs to loans | -1.1406% | 4,722 |
| Credit loss provision to net charge-offs | 365.8537% | 726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7883% | 414 |
| Assets per employee ($millions) | 2.7381% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5355% | 20 |
| Loan loss allowance to noncurrent loans | 51.8456% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 3.6278% | 34 |
| Noncurrent loans to loans | 12.6058% | 6 |
| Net loans and leases to total assets | 26.8981% | 4,542 |
| Net loans and leases to deposits | 29.8474% | 4,547 |
| Net loans and leases to core deposits | 29.8474% | 4,569 |
| Total domestic deposits to total assets | 90.1189% | 1,667 |
| Equity capital to assets | 9.7979% | 1,823 |
| Core capital (leverage) ratio | 10.1451% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,715,333 | 4,527 |
| Average earning assets | $45,075,000 | 4,520 |
| Average equity | $5,168,000 | 4,506 |
| Average total loans | $14,378,333 | 4,590 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4771% | 4,294 |
| Cost of funding earning assets | 0.1243% | 3,844 |
| Net interest margin | 2.3528% | 4,146 |
| Noninterest income to average assets | 0.9168% | 816 |
| Noninterest expense to average assets | 2.9073% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1982% | 4,339 |
| Return on assets (ROA) | 0.1982% | 4,304 |
| Pretax return on assets | 0.1982% | 4,332 |
| Return on Equity (ROE) | 1.7986% | 4,287 |
| Retained earnings to average equity (ytd only) | 1.7986% | 3,597 |
| Net charge-offs to loans | -0.8843% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6170% | 398 |
| Assets per employee ($millions) | 2.6486% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2377% | 15 |
| Loan loss allowance to noncurrent loans | 66.5724% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 3.7084% | 42 |
| Noncurrent loans to loans | 12.3740% | 9 |
| Net loans and leases to total assets | 27.5008% | 4,520 |
| Net loans and leases to deposits | 30.8197% | 4,527 |
| Net loans and leases to core deposits | 30.8197% | 4,564 |
| Total domestic deposits to total assets | 89.2313% | 1,958 |
| Equity capital to assets | 10.6786% | 1,503 |
| Core capital (leverage) ratio | 9.6135% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,430,000 | 4,555 |
| Average earning assets | $45,052,000 | 4,547 |
| Average equity | $5,337,500 | 4,533 |
| Average total loans | $14,475,500 | 4,612 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6009% | 4,407 |
| Cost of funding earning assets | 0.1282% | 4,164 |
| Net interest margin | 2.4727% | 4,227 |
| Noninterest income to average assets | 0.9632% | 1,068 |
| Noninterest expense to average assets | 3.0694% | 889 |
| Loan and lease loss provision to assets | -1.0447% | 4,833 |
| Net operating income to assets | 1.2349% | 1,791 |
| Return on assets (ROA) | 1.2662% | 1,755 |
| Pretax return on assets | 1.2662% | 2,469 |
| Return on Equity (ROE) | 11.0746% | 2,141 |
| Retained earnings to average equity (ytd only) | 11.0015% | 701 |
| Net charge-offs to loans | -1.1991% | 4,796 |
| Credit loss provision to net charge-offs | 267.3797% | 1,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1667% | 233 |
| Assets per employee ($millions) | 2.7325% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.6601% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8088% | 16 |
| Loan loss allowance to noncurrent loans | 63.2946% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 3.6780% | 50 |
| Noncurrent loans to loans | 12.3372% | 9 |
| Net loans and leases to total assets | 27.4840% | 4,580 |
| Net loans and leases to deposits | 31.0288% | 4,604 |
| Net loans and leases to core deposits | 31.0288% | 4,623 |
| Total domestic deposits to total assets | 88.5758% | 1,752 |
| Equity capital to assets | 11.3531% | 1,575 |
| Core capital (leverage) ratio | 9.6410% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,859,400 | 4,585 |
| Average earning assets | $44,445,400 | 4,568 |
| Average equity | $5,472,000 | 4,583 |
| Average total loans | $15,594,600 | 4,640 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6711% | 4,438 |
| Cost of funding earning assets | 0.1299% | 4,263 |
| Net interest margin | 2.5412% | 4,215 |
| Noninterest income to average assets | 0.9314% | 1,191 |
| Noninterest expense to average assets | 2.9652% | 1,027 |
| Loan and lease loss provision to assets | -1.4034% | 4,911 |
| Net operating income to assets | 1.7281% | 779 |
| Return on assets (ROA) | 1.7701% | 745 |
| Pretax return on assets | 1.7701% | 1,237 |
| Return on Equity (ROE) | 15.4539% | 1,053 |
| Retained earnings to average equity (ytd only) | 15.4539% | 339 |
| Net charge-offs to loans | -1.1372% | 4,866 |
| Credit loss provision to net charge-offs | 370.3704% | 903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1108% | 318 |
| Assets per employee ($millions) | 2.6738% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5651% | 18 |
| Loan loss allowance to noncurrent loans | 59.8904% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 3.7920% | 51 |
| Noncurrent loans to loans | 12.6315% | 9 |
| Net loans and leases to total assets | 27.7489% | 4,659 |
| Net loans and leases to deposits | 31.5661% | 4,679 |
| Net loans and leases to core deposits | 31.5661% | 4,695 |
| Total domestic deposits to total assets | 87.9072% | 1,896 |
| Equity capital to assets | 12.0221% | 1,389 |
| Core capital (leverage) ratio | 9.9888% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,528,000 | 4,655 |
| Average earning assets | $44,124,750 | 4,637 |
| Average equity | $5,444,000 | 4,654 |
| Average total loans | $15,827,500 | 4,706 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7336% | 4,420 |
| Cost of funding earning assets | 0.1317% | 4,341 |
| Net interest margin | 2.6019% | 4,164 |
| Noninterest income to average assets | 0.8832% | 1,316 |
| Noninterest expense to average assets | 3.0003% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3043% | 4,518 |
| Return on assets (ROA) | 0.3676% | 4,479 |
| Pretax return on assets | 0.3676% | 4,533 |
| Return on Equity (ROE) | 3.2645% | 4,435 |
| Retained earnings to average equity (ytd only) | 3.2645% | 3,755 |
| Net charge-offs to loans | -0.9824% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7928% | 317 |
| Assets per employee ($millions) | 2.7178% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0654% | 14 |
| Loan loss allowance to noncurrent loans | 83.9607% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 3.7469% | 61 |
| Noncurrent loans to loans | 11.9882% | 15 |
| Net loans and leases to total assets | 28.1092% | 4,699 |
| Net loans and leases to deposits | 31.5593% | 4,734 |
| Net loans and leases to core deposits | 31.5593% | 4,750 |
| Total domestic deposits to total assets | 89.0679% | 1,249 |
| Equity capital to assets | 10.8524% | 2,103 |
| Core capital (leverage) ratio | 8.4571% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,328,000 | 4,683 |
| Average earning assets | $44,045,000 | 4,663 |
| Average equity | $5,330,000 | 4,693 |
| Average total loans | $16,287,333 | 4,732 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9458% | 4,194 |
| Cost of funding earning assets | 0.1297% | 4,459 |
| Net interest margin | 2.8162% | 3,721 |
| Noninterest income to average assets | 0.7565% | 1,692 |
| Noninterest expense to average assets | 3.0431% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3267% | 4,482 |
| Return on assets (ROA) | 0.3267% | 4,517 |
| Pretax return on assets | 0.3267% | 4,572 |
| Return on Equity (ROE) | 2.8462% | 4,501 |
| Retained earnings to average equity (ytd only) | 2.8462% | 3,827 |
| Net charge-offs to loans | -1.1676% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3061% | 363 |
| Assets per employee ($millions) | 2.6092% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3556% | 14 |
| Loan loss allowance to noncurrent loans | 80.7177% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 4.0221% | 57 |
| Noncurrent loans to loans | 11.5905% | 18 |
| Net loans and leases to total assets | 31.0891% | 4,665 |
| Net loans and leases to deposits | 35.0859% | 4,702 |
| Net loans and leases to core deposits | 35.0859% | 4,736 |
| Total domestic deposits to total assets | 88.6085% | 1,553 |
| Equity capital to assets | 11.3169% | 1,649 |
| Core capital (leverage) ratio | 8.9673% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,532,000 | 4,711 |
| Average earning assets | $43,179,500 | 4,686 |
| Average equity | $5,340,500 | 4,708 |
| Average total loans | $16,786,000 | 4,746 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 3,860 |
| Cost of funding earning assets | 0.2512% | 4,366 |
| Net interest margin | 3.3244% | 3,004 |
| Noninterest income to average assets | 0.8356% | 1,438 |
| Noninterest expense to average assets | 3.4008% | 796 |
| Loan and lease loss provision to assets | 0.1170% | 2,892 |
| Net operating income to assets | 0.3838% | 4,278 |
| Return on assets (ROA) | 0.4424% | 4,239 |
| Pretax return on assets | 0.4424% | 4,361 |
| Return on Equity (ROE) | 3.7060% | 4,224 |
| Retained earnings to average equity (ytd only) | 3.6668% | 2,999 |
| Net charge-offs to loans | -5.1641% | 4,963 |
| Credit loss provision to net charge-offs | -5.3763% | 3,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1026% | 484 |
| Assets per employee ($millions) | 2.5611% | 4,886 |
| Cash dividends to net income (ytd only)* | 1.0582% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3486% | 18 |
| Loan loss allowance to noncurrent loans | 74.8460% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 4.2734% | 54 |
| Noncurrent loans to loans | 11.1544% | 19 |
| Net loans and leases to total assets | 34.7209% | 4,620 |
| Net loans and leases to deposits | 39.3335% | 4,672 |
| Net loans and leases to core deposits | 39.3335% | 4,713 |
| Total domestic deposits to total assets | 88.2731% | 1,340 |
| Equity capital to assets | 11.6402% | 1,779 |
| Core capital (leverage) ratio | 9.2598% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,725,400 | 4,738 |
| Average earning assets | $39,406,000 | 4,724 |
| Average equity | $5,099,800 | 4,740 |
| Average total loans | $18,008,800 | 4,753 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 3,879 |
| Cost of funding earning assets | 0.2869% | 4,361 |
| Net interest margin | 3.3768% | 2,987 |
| Noninterest income to average assets | 0.8118% | 1,447 |
| Noninterest expense to average assets | 3.4541% | 753 |
| Loan and lease loss provision to assets | 0.1600% | 2,400 |
| Net operating income to assets | 0.3088% | 4,433 |
| Return on assets (ROA) | 0.3088% | 4,482 |
| Pretax return on assets | 0.3088% | 4,536 |
| Return on Equity (ROE) | 2.5695% | 4,465 |
| Retained earnings to average equity (ytd only) | 2.5695% | 3,699 |
| Net charge-offs to loans | -0.7495% | 4,989 |
| Credit loss provision to net charge-offs | -49.0196% | 3,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9870% | 417 |
| Assets per employee ($millions) | 2.3713% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6806% | 75 |
| Loan loss allowance to noncurrent loans | 31.8987% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 4.6787% | 62 |
| Noncurrent loans to loans | 11.5382% | 21 |
| Net loans and leases to total assets | 38.6266% | 4,605 |
| Net loans and leases to deposits | 44.2023% | 4,652 |
| Net loans and leases to core deposits | 44.2023% | 4,705 |
| Total domestic deposits to total assets | 87.3861% | 1,503 |
| Equity capital to assets | 12.4991% | 1,431 |
| Core capital (leverage) ratio | 9.3285% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,882,000 | 4,768 |
| Average earning assets | $38,575,750 | 4,756 |
| Average equity | $5,033,250 | 4,772 |
| Average total loans | $18,145,000 | 4,781 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 3,705 |
| Cost of funding earning assets | 0.3476% | 4,280 |
| Net interest margin | 3.5174% | 2,732 |
| Noninterest income to average assets | 0.8218% | 1,371 |
| Noninterest expense to average assets | 3.4170% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6632% | 3,535 |
| Return on assets (ROA) | 0.6632% | 3,622 |
| Pretax return on assets | 0.6632% | 3,947 |
| Return on Equity (ROE) | 5.5954% | 3,632 |
| Retained earnings to average equity (ytd only) | 5.5954% | 2,241 |
| Net charge-offs to loans | -0.6924% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7456% | 656 |
| Assets per employee ($millions) | 2.5781% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9509% | 138 |
| Loan loss allowance to noncurrent loans | 25.3627% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 4.8760% | 56 |
| Noncurrent loans to loans | 11.6350% | 19 |
| Net loans and leases to total assets | 40.6713% | 4,584 |
| Net loans and leases to deposits | 46.4181% | 4,641 |
| Net loans and leases to core deposits | 46.4181% | 4,704 |
| Total domestic deposits to total assets | 87.6195% | 1,369 |
| Equity capital to assets | 12.2573% | 1,508 |
| Core capital (leverage) ratio | 9.5356% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,615,000 | 4,795 |
| Average earning assets | $38,551,000 | 4,777 |
| Average equity | $4,932,667 | 4,810 |
| Average total loans | $18,487,667 | 4,802 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 3,818 |
| Cost of funding earning assets | 0.4919% | 3,976 |
| Net interest margin | 3.4970% | 2,997 |
| Noninterest income to average assets | 0.8887% | 1,092 |
| Noninterest expense to average assets | 3.3375% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7801% | 2,977 |
| Return on assets (ROA) | 0.7801% | 3,060 |
| Pretax return on assets | 0.7801% | 3,466 |
| Return on Equity (ROE) | 6.7049% | 3,067 |
| Retained earnings to average equity (ytd only) | 6.7049% | 1,645 |
| Net charge-offs to loans | -0.9705% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0552% | 1,036 |
| Assets per employee ($millions) | 2.1646% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8418% | 173 |
| Loan loss allowance to noncurrent loans | 23.9031% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 5.6157% | 53 |
| Noncurrent loans to loans | 11.8887% | 20 |
| Net loans and leases to total assets | 45.8934% | 4,431 |
| Net loans and leases to deposits | 52.0235% | 4,517 |
| Net loans and leases to core deposits | 52.0235% | 4,627 |
| Total domestic deposits to total assets | 88.2167% | 1,010 |
| Equity capital to assets | 11.6703% | 2,311 |
| Core capital (leverage) ratio | 9.8354% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,509,000 | 4,846 |
| Average earning assets | $37,403,500 | 4,824 |
| Average equity | $4,713,000 | 4,872 |
| Average total loans | $18,548,000 | 4,837 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 3,666 |
| Cost of funding earning assets | 0.4780% | 4,177 |
| Net interest margin | 3.7760% | 2,586 |
| Noninterest income to average assets | 1.0833% | 810 |
| Noninterest expense to average assets | 3.7115% | 755 |
| Loan and lease loss provision to assets | 1.8055% | 50 |
| Net operating income to assets | -0.9698% | 5,096 |
| Return on assets (ROA) | -0.9672% | 5,100 |
| Pretax return on assets | -0.9672% | 5,092 |
| Return on Equity (ROE) | -7.5084% | 5,104 |
| Retained earnings to average equity (ytd only) | -7.5084% | 5,034 |
| Net charge-offs to loans | 6.4958% | 8 |
| Credit loss provision to net charge-offs | 54.7303% | 3,083 |
| Earnings coverage of net charge-offs (x) | 0.2533% | 3,624 |
| Efficiency ratio | 81.6222% | 822 |
| Assets per employee ($millions) | 2.4739% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5572% | 203 |
| Loan loss allowance to noncurrent loans | 22.5791% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 5.0338% | 57 |
| Noncurrent loans to loans | 11.3257% | 17 |
| Net loans and leases to total assets | 43.3089% | 4,628 |
| Net loans and leases to deposits | 49.0811% | 4,711 |
| Net loans and leases to core deposits | 49.0811% | 4,773 |
| Total domestic deposits to total assets | 88.2395% | 1,010 |
| Equity capital to assets | 11.6012% | 2,429 |
| Core capital (leverage) ratio | 9.7631% | 3,775 |
| Tier 1 risk-based capital ratio | 13.2230% | 3,666 |
| Total risk-based capital ratio | 14.4778% | 3,557 |
| Memoranda: | ||
| Average total assets | $38,771,200 | 4,915 |
| Average earning assets | $35,566,600 | 4,906 |
| Average equity | $4,994,400 | 4,881 |
| Average total loans | $19,689,600 | 4,869 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 3,632 |
| Cost of funding earning assets | 0.4634% | 4,291 |
| Net interest margin | 3.8447% | 2,458 |
| Noninterest income to average assets | 1.0540% | 829 |
| Noninterest expense to average assets | 3.6468% | 801 |
| Loan and lease loss provision to assets | 2.4593% | 32 |
| Net operating income to assets | -1.5248% | 5,200 |
| Return on assets (ROA) | -1.5213% | 5,200 |
| Pretax return on assets | -1.5213% | 5,195 |
| Return on Equity (ROE) | -11.4930% | 5,208 |
| Retained earnings to average equity (ytd only) | -11.4930% | 5,161 |
| Net charge-offs to loans | -0.9963% | 5,207 |
| Credit loss provision to net charge-offs | -469.7987% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6012% | 954 |
| Assets per employee ($millions) | 2.2202% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7185% | 7 |
| Loan loss allowance to noncurrent loans | 51.6811% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 9.7711% | 18 |
| Noncurrent loans to loans | 18.8048% | 8 |
| Net loans and leases to total assets | 46.9108% | 4,557 |
| Net loans and leases to deposits | 53.8700% | 4,639 |
| Net loans and leases to core deposits | 53.8700% | 4,749 |
| Total domestic deposits to total assets | 87.0814% | 1,477 |
| Equity capital to assets | 12.7729% | 1,744 |
| Core capital (leverage) ratio | 10.2677% | 3,344 |
| Tier 1 risk-based capital ratio | 12.6664% | 4,046 |
| Total risk-based capital ratio | 13.9773% | 3,889 |
| Memoranda: | ||
| Average total assets | $37,950,000 | 4,999 |
| Average earning assets | $34,817,250 | 4,991 |
| Average equity | $5,023,250 | 4,945 |
| Average total loans | $19,939,000 | 4,939 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 3,676 |
| Cost of funding earning assets | 0.4354% | 4,371 |
| Net interest margin | 3.8494% | 2,410 |
| Noninterest income to average assets | 1.0521% | 782 |
| Noninterest expense to average assets | 3.6508% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9364% | 3,147 |
| Return on assets (ROA) | 0.9416% | 3,190 |
| Pretax return on assets | 0.9416% | 3,734 |
| Return on Equity (ROE) | 7.0325% | 3,667 |
| Retained earnings to average equity (ytd only) | 7.0325% | 1,788 |
| Net charge-offs to loans | -1.3867% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5872% | 1,002 |
| Assets per employee ($millions) | 2.1314% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1055% | 20 |
| Loan loss allowance to noncurrent loans | 32.0300% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 9.7326% | 18 |
| Noncurrent loans to loans | 19.0617% | 7 |
| Net loans and leases to total assets | 47.9409% | 4,576 |
| Net loans and leases to deposits | 55.8294% | 4,599 |
| Net loans and leases to core deposits | 55.8294% | 4,716 |
| Total domestic deposits to total assets | 85.8703% | 2,100 |
| Equity capital to assets | 13.9290% | 1,142 |
| Core capital (leverage) ratio | 11.8678% | 1,905 |
| Tier 1 risk-based capital ratio | 14.2852% | 3,168 |
| Total risk-based capital ratio | 15.5673% | 3,076 |
| Memoranda: | ||
| Average total assets | $38,018,670 | 5,037 |
| Average earning assets | $34,914,330 | 5,029 |
| Average equity | $5,090,670 | 4,974 |
| Average total loans | $20,048,000 | 4,980 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 3,683 |
| Cost of funding earning assets | 0.4246% | 4,378 |
| Net interest margin | 3.8325% | 2,409 |
| Noninterest income to average assets | 1.3635% | 458 |
| Noninterest expense to average assets | 3.5619% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3317% | 1,592 |
| Return on assets (ROA) | 1.3317% | 1,627 |
| Pretax return on assets | 1.3317% | 2,323 |
| Return on Equity (ROE) | 10.1531% | 2,300 |
| Retained earnings to average equity (ytd only) | 10.1531% | 996 |
| Net charge-offs to loans | -1.0060% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7862% | 1,912 |
| Assets per employee ($millions) | 2.0947% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6349% | 27 |
| Loan loss allowance to noncurrent loans | 47.5332% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 6.1822% | 45 |
| Noncurrent loans to loans | 11.8548% | 18 |
| Net loans and leases to total assets | 49.2110% | 4,514 |
| Net loans and leases to deposits | 57.0449% | 4,543 |
| Net loans and leases to core deposits | 57.0449% | 4,674 |
| Total domestic deposits to total assets | 86.2671% | 2,155 |
| Equity capital to assets | 13.5818% | 1,183 |
| Core capital (leverage) ratio | 11.8116% | 1,898 |
| Tier 1 risk-based capital ratio | 14.4408% | 3,122 |
| Total risk-based capital ratio | 15.7194% | 3,038 |
| Memoranda: | ||
| Average total assets | $37,845,000 | 5,095 |
| Average earning assets | $34,859,500 | 5,083 |
| Average equity | $4,964,000 | 5,032 |
| Average total loans | $20,277,500 | 5,033 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 3,482 |
| Cost of funding earning assets | 0.4363% | 3,766 |
| Net interest margin | 3.7472% | 2,870 |
| Noninterest income to average assets | 0.7998% | 1,447 |
| Noninterest expense to average assets | 3.7090% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4478% | 4,770 |
| Return on assets (ROA) | 0.3934% | 4,870 |
| Pretax return on assets | 0.3934% | 4,938 |
| Return on Equity (ROE) | 3.1840% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.1840% | 3,807 |
| Net charge-offs to loans | -0.6446% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1656% | 381 |
| Assets per employee ($millions) | 2.1103% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0594% | 31 |
| Loan loss allowance to noncurrent loans | 43.8226% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 6.3499% | 45 |
| Noncurrent loans to loans | 11.5451% | 18 |
| Net loans and leases to total assets | 52.2180% | 4,395 |
| Net loans and leases to deposits | 59.9154% | 4,482 |
| Net loans and leases to core deposits | 59.9154% | 4,631 |
| Total domestic deposits to total assets | 87.1528% | 1,703 |
| Equity capital to assets | 12.6550% | 1,510 |
| Core capital (leverage) ratio | 11.3211% | 2,251 |
| Tier 1 risk-based capital ratio | 14.5377% | 3,050 |
| Total risk-based capital ratio | 15.8151% | 2,952 |
| Memoranda: | ||
| Average total assets | $38,635,800 | 5,121 |
| Average earning assets | $34,612,600 | 5,120 |
| Average equity | $4,773,800 | 5,082 |
| Average total loans | $20,477,400 | 5,063 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1875% | 3,363 |
| Cost of funding earning assets | 0.4327% | 3,648 |
| Net interest margin | 3.7548% | 2,809 |
| Noninterest income to average assets | 0.9416% | 1,079 |
| Noninterest expense to average assets | 3.5842% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6976% | 4,229 |
| Return on assets (ROA) | 0.6976% | 4,240 |
| Pretax return on assets | 0.6976% | 4,540 |
| Return on Equity (ROE) | 5.6796% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.6796% | 2,834 |
| Net charge-offs to loans | -0.6609% | 5,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7079% | 660 |
| Assets per employee ($millions) | 2.1162% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0405% | 38 |
| Loan loss allowance to noncurrent loans | 42.6434% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 6.3163% | 49 |
| Noncurrent loans to loans | 11.8202% | 19 |
| Net loans and leases to total assets | 50.7429% | 4,545 |
| Net loans and leases to deposits | 58.2884% | 4,632 |
| Net loans and leases to core deposits | 58.2884% | 4,772 |
| Total domestic deposits to total assets | 87.0550% | 1,705 |
| Equity capital to assets | 12.7323% | 1,445 |
| Core capital (leverage) ratio | 11.3228% | 2,317 |
| Tier 1 risk-based capital ratio | 15.4644% | 2,666 |
| Total risk-based capital ratio | 16.7417% | 2,585 |
| Memoranda: | ||
| Average total assets | $38,798,500 | 5,179 |
| Average earning assets | $34,514,750 | 5,185 |
| Average equity | $4,765,500 | 5,143 |
| Average total loans | $20,373,750 | 5,125 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 3,833 |
| Cost of funding earning assets | 0.4167% | 3,594 |
| Net interest margin | 3.5650% | 3,424 |
| Noninterest income to average assets | 0.8915% | 1,203 |
| Noninterest expense to average assets | 3.6737% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3740% | 5,013 |
| Return on assets (ROA) | 0.3740% | 5,015 |
| Pretax return on assets | 0.3740% | 5,075 |
| Return on Equity (ROE) | 3.0819% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.0819% | 4,022 |
| Net charge-offs to loans | -0.6477% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7595% | 343 |
| Assets per employee ($millions) | 2.3282% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9812% | 37 |
| Loan loss allowance to noncurrent loans | 40.7987% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 6.1369% | 56 |
| Noncurrent loans to loans | 12.2091% | 18 |
| Net loans and leases to total assets | 47.7615% | 4,733 |
| Net loans and leases to deposits | 54.3718% | 4,827 |
| Net loans and leases to core deposits | 54.3718% | 4,921 |
| Total domestic deposits to total assets | 87.8423% | 1,452 |
| Equity capital to assets | 11.9328% | 1,899 |
| Core capital (leverage) ratio | 10.9101% | 2,595 |
| Tier 1 risk-based capital ratio | 15.5552% | 2,615 |
| Total risk-based capital ratio | 16.8355% | 2,540 |
| Memoranda: | ||
| Average total assets | $39,034,000 | 5,234 |
| Average earning assets | $34,558,330 | 5,244 |
| Average equity | $4,737,330 | 5,206 |
| Average total loans | $20,380,000 | 5,186 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,814 |
| Cost of funding earning assets | 0.4130% | 3,495 |
| Net interest margin | 3.5284% | 3,430 |
| Noninterest income to average assets | 0.8669% | 1,241 |
| Noninterest expense to average assets | 3.6944% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2580% | 5,157 |
| Return on assets (ROA) | 0.2580% | 5,160 |
| Pretax return on assets | 0.2580% | 5,204 |
| Return on Equity (ROE) | 2.1077% | 5,163 |
| Retained earnings to average equity (ytd only) | 2.1077% | 4,318 |
| Net charge-offs to loans | -0.4655% | 5,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4726% | 318 |
| Assets per employee ($millions) | 2.0847% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7493% | 41 |
| Loan loss allowance to noncurrent loans | 38.4055% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 6.5849% | 53 |
| Noncurrent loans to loans | 12.3661% | 15 |
| Net loans and leases to total assets | 50.7209% | 4,514 |
| Net loans and leases to deposits | 58.0983% | 4,576 |
| Net loans and leases to core deposits | 58.0983% | 4,746 |
| Total domestic deposits to total assets | 87.3018% | 2,007 |
| Equity capital to assets | 12.5330% | 1,463 |
| Core capital (leverage) ratio | 10.7060% | 2,734 |
| Tier 1 risk-based capital ratio | 14.8250% | 2,966 |
| Total risk-based capital ratio | 16.1028% | 2,884 |
| Memoranda: | ||
| Average total assets | $38,761,000 | 5,295 |
| Average earning assets | $33,896,000 | 5,318 |
| Average equity | $4,744,500 | 5,258 |
| Average total loans | $20,622,500 | 5,240 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 3,307 |
| Cost of funding earning assets | 0.4033% | 3,221 |
| Net interest margin | 3.6267% | 3,078 |
| Noninterest income to average assets | -0.8108% | 5,666 |
| Noninterest expense to average assets | 3.7674% | 726 |
| Loan and lease loss provision to assets | -1.6192% | 5,668 |
| Net operating income to assets | 0.1755% | 5,152 |
| Return on assets (ROA) | 0.1755% | 5,169 |
| Pretax return on assets | 0.1755% | 5,333 |
| Return on Equity (ROE) | 1.4674% | 5,158 |
| Retained earnings to average equity (ytd only) | 1.4674% | 4,418 |
| Net charge-offs to loans | 0.2399% | 1,080 |
| Credit loss provision to net charge-offs | -1,169.6429% | 5,095 |
| Earnings coverage of net charge-offs (x) | -10.4286% | 4,088 |
| Efficiency ratio | 162.0213% | 22 |
| Assets per employee ($millions) | 2.2221% | 5,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3503% | 48 |
| Loan loss allowance to noncurrent loans | 35.3053% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 6.6630% | 50 |
| Noncurrent loans to loans | 12.3219% | 15 |
| Net loans and leases to total assets | 50.8488% | 4,600 |
| Net loans and leases to deposits | 57.8787% | 4,695 |
| Net loans and leases to core deposits | 57.8787% | 4,855 |
| Total domestic deposits to total assets | 87.8541% | 1,579 |
| Equity capital to assets | 11.9659% | 1,851 |
| Core capital (leverage) ratio | 10.3354% | 3,037 |
| Tier 1 risk-based capital ratio | 14.2535% | 3,223 |
| Total risk-based capital ratio | 15.5297% | 3,105 |
| Memoranda: | ||
| Average total assets | $40,452,400 | 5,321 |
| Average earning assets | $34,962,600 | 5,351 |
| Average equity | $4,838,400 | 5,300 |
| Average total loans | $23,341,600 | 5,214 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 2,940 |
| Cost of funding earning assets | 0.4015% | 3,175 |
| Net interest margin | 3.7132% | 2,705 |
| Noninterest income to average assets | -0.2531% | 5,724 |
| Noninterest expense to average assets | 3.9309% | 567 |
| Loan and lease loss provision to assets | -2.1528% | 5,736 |
| Net operating income to assets | 1.1602% | 1,842 |
| Return on assets (ROA) | 1.1602% | 1,886 |
| Pretax return on assets | 1.1602% | 3,065 |
| Return on Equity (ROE) | 9.7011% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.7011% | 652 |
| Net charge-offs to loans | 1.0896% | 153 |
| Credit loss provision to net charge-offs | -335.8974% | 4,720 |
| Earnings coverage of net charge-offs (x) | -1.5488% | 3,725 |
| Efficiency ratio | 133.7808% | 39 |
| Assets per employee ($millions) | 2.0347% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3782% | 104 |
| Loan loss allowance to noncurrent loans | 28.5610% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 8.5155% | 36 |
| Noncurrent loans to loans | 11.8279% | 17 |
| Net loans and leases to total assets | 58.1520% | 4,044 |
| Net loans and leases to deposits | 67.3527% | 4,157 |
| Net loans and leases to core deposits | 67.3527% | 4,400 |
| Total domestic deposits to total assets | 86.3395% | 2,156 |
| Equity capital to assets | 13.3009% | 1,252 |
| Core capital (leverage) ratio | 10.7438% | 2,711 |
| Tier 1 risk-based capital ratio | 14.4138% | 3,232 |
| Total risk-based capital ratio | 15.6865% | 3,132 |
| Memoranda: | ||
| Average total assets | $40,566,250 | 5,381 |
| Average earning assets | $34,865,750 | 5,413 |
| Average equity | $4,851,500 | 5,355 |
| Average total loans | $23,861,250 | 5,249 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 3,515 |
| Cost of funding earning assets | 0.4139% | 2,944 |
| Net interest margin | 3.4982% | 3,404 |
| Noninterest income to average assets | 0.5340% | 2,803 |
| Noninterest expense to average assets | 3.8493% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.3204% | 5,654 |
| Return on assets (ROA) | -0.3204% | 5,653 |
| Pretax return on assets | -0.3204% | 5,637 |
| Return on Equity (ROE) | -2.7762% | 5,642 |
| Retained earnings to average equity (ytd only) | -2.7762% | 5,408 |
| Net charge-offs to loans | 1.5545% | 115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.3529% | 3,421 |
| Efficiency ratio | 109.0784% | 107 |
| Assets per employee ($millions) | 2.1908% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2304% | 23 |
| Loan loss allowance to noncurrent loans | 54.6999% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 9.0953% | 32 |
| Noncurrent loans to loans | 11.3901% | 19 |
| Net loans and leases to total assets | 52.3903% | 4,535 |
| Net loans and leases to deposits | 59.3657% | 4,678 |
| Net loans and leases to core deposits | 59.3657% | 4,857 |
| Total domestic deposits to total assets | 88.2501% | 1,332 |
| Equity capital to assets | 11.3751% | 2,435 |
| Core capital (leverage) ratio | 9.3536% | 4,285 |
| Tier 1 risk-based capital ratio | 13.1155% | 3,936 |
| Total risk-based capital ratio | 14.4112% | 3,812 |
| Memoranda: | ||
| Average total assets | $41,202,000 | 5,421 |
| Average earning assets | $35,275,330 | 5,447 |
| Average equity | $4,754,670 | 5,409 |
| Average total loans | $24,059,330 | 5,280 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7675% | 3,878 |
| Cost of funding earning assets | 0.3996% | 3,000 |
| Net interest margin | 3.3679% | 3,774 |
| Noninterest income to average assets | 1.3269% | 585 |
| Noninterest expense to average assets | 4.1074% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0976% | 5,520 |
| Return on assets (ROA) | 0.0976% | 5,524 |
| Pretax return on assets | 0.0976% | 5,518 |
| Return on Equity (ROE) | 0.8380% | 5,523 |
| Retained earnings to average equity (ytd only) | 0.8380% | 4,712 |
| Net charge-offs to loans | -0.3434% | 5,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6798% | 276 |
| Assets per employee ($millions) | 2.2146% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8658% | 18 |
| Loan loss allowance to noncurrent loans | 49.9247% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 10.8679% | 29 |
| Noncurrent loans to loans | 13.7524% | 14 |
| Net loans and leases to total assets | 53.4175% | 4,384 |
| Net loans and leases to deposits | 60.5963% | 4,526 |
| Net loans and leases to core deposits | 60.5963% | 4,744 |
| Total domestic deposits to total assets | 88.1530% | 1,621 |
| Equity capital to assets | 11.3670% | 2,289 |
| Core capital (leverage) ratio | 9.7219% | 3,844 |
| Tier 1 risk-based capital ratio | 13.4686% | 3,793 |
| Total risk-based capital ratio | 14.7909% | 3,660 |
| Memoranda: | ||
| Average total assets | $40,999,000 | 5,485 |
| Average earning assets | $35,036,500 | 5,512 |
| Average equity | $4,773,500 | 5,463 |
| Average total loans | $24,460,500 | 5,320 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8731% | 3,671 |
| Cost of funding earning assets | 0.4886% | 2,176 |
| Net interest margin | 3.3845% | 3,870 |
| Noninterest income to average assets | 1.0891% | 954 |
| Noninterest expense to average assets | 5.4594% | 212 |
| Loan and lease loss provision to assets | -2.2833% | 5,912 |
| Net operating income to assets | 0.7124% | 3,728 |
| Return on assets (ROA) | 0.7124% | 3,843 |
| Pretax return on assets | 0.7124% | 4,450 |
| Return on Equity (ROE) | 6.5425% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.5425% | 1,437 |
| Net charge-offs to loans | -0.2153% | 5,757 |
| Credit loss provision to net charge-offs | 1,694.9153% | 257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.3993% | 43 |
| Assets per employee ($millions) | 1.9960% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6002% | 17 |
| Loan loss allowance to noncurrent loans | 50.3695% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 11.4203% | 29 |
| Noncurrent loans to loans | 13.1036% | 17 |
| Net loans and leases to total assets | 57.9935% | 4,069 |
| Net loans and leases to deposits | 66.2593% | 4,224 |
| Net loans and leases to core deposits | 66.2593% | 4,513 |
| Total domestic deposits to total assets | 87.5251% | 1,859 |
| Equity capital to assets | 11.9339% | 1,856 |
| Core capital (leverage) ratio | 10.0772% | 3,395 |
| Tier 1 risk-based capital ratio | 14.4700% | 3,208 |
| Total risk-based capital ratio | 15.8000% | 3,107 |
| Memoranda: | ||
| Average total assets | $43,796,400 | 5,472 |
| Average earning assets | $36,224,200 | 5,538 |
| Average equity | $4,768,800 | 5,514 |
| Average total loans | $27,399,400 | 5,288 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 3,459 |
| Cost of funding earning assets | 0.5219% | 1,927 |
| Net interest margin | 3.4174% | 3,787 |
| Noninterest income to average assets | 1.1437% | 881 |
| Noninterest expense to average assets | 5.4594% | 213 |
| Loan and lease loss provision to assets | -2.9784% | 5,979 |
| Net operating income to assets | 1.4713% | 929 |
| Return on assets (ROA) | 1.4713% | 973 |
| Pretax return on assets | 1.4713% | 1,802 |
| Return on Equity (ROE) | 13.8082% | 862 |
| Retained earnings to average equity (ytd only) | 13.8082% | 184 |
| Net charge-offs to loans | -0.1473% | 5,686 |
| Credit loss provision to net charge-offs | 3,225.8065% | 162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.1311% | 49 |
| Assets per employee ($millions) | 1.9804% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2035% | 24 |
| Loan loss allowance to noncurrent loans | 33.4373% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 15.4363% | 15 |
| Noncurrent loans to loans | 18.5525% | 7 |
| Net loans and leases to total assets | 61.3841% | 3,700 |
| Net loans and leases to deposits | 70.5502% | 3,933 |
| Net loans and leases to core deposits | 70.5502% | 4,282 |
| Total domestic deposits to total assets | 87.0077% | 1,898 |
| Equity capital to assets | 12.5177% | 1,770 |
| Core capital (leverage) ratio | 9.4485% | 4,253 |
| Tier 1 risk-based capital ratio | 14.9980% | 3,051 |
| Total risk-based capital ratio | 16.3236% | 2,953 |
| Memoranda: | ||
| Average total assets | $44,765,500 | 5,501 |
| Average earning assets | $36,791,500 | 5,582 |
| Average equity | $4,770,000 | 5,567 |
| Average total loans | $28,052,500 | 5,316 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 3,351 |
| Cost of funding earning assets | 0.5542% | 1,668 |
| Net interest margin | 3.4147% | 3,833 |
| Noninterest income to average assets | 1.1746% | 812 |
| Noninterest expense to average assets | 5.7524% | 187 |
| Loan and lease loss provision to assets | -4.3025% | 6,057 |
| Net operating income to assets | 2.5084% | 150 |
| Return on assets (ROA) | 2.5084% | 152 |
| Pretax return on assets | 2.5084% | 216 |
| Return on Equity (ROE) | 24.7699% | 94 |
| Retained earnings to average equity (ytd only) | 24.7699% | 34 |
| Net charge-offs to loans | 0.1043% | 1,785 |
| Credit loss provision to net charge-offs | -6,666.6667% | 5,348 |
| Earnings coverage of net charge-offs (x) | -27.8000% | 3,667 |
| Efficiency ratio | 145.3261% | 44 |
| Assets per employee ($millions) | 1.9560% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7811% | 32 |
| Loan loss allowance to noncurrent loans | 42.5497% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 11.5635% | 33 |
| Noncurrent loans to loans | 13.5867% | 16 |
| Net loans and leases to total assets | 59.1583% | 3,992 |
| Net loans and leases to deposits | 67.3644% | 4,238 |
| Net loans and leases to core deposits | 67.3644% | 4,522 |
| Total domestic deposits to total assets | 87.8184% | 1,519 |
| Equity capital to assets | 11.7285% | 2,329 |
| Core capital (leverage) ratio | 9.5466% | 4,144 |
| Tier 1 risk-based capital ratio | 14.9840% | 3,086 |
| Total risk-based capital ratio | 16.3053% | 2,995 |
| Memoranda: | ||
| Average total assets | $46,484,670 | 5,532 |
| Average earning assets | $37,895,330 | 5,634 |
| Average equity | $4,707,330 | 5,641 |
| Average total loans | $28,763,000 | 5,343 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 3,119 |
| Cost of funding earning assets | 0.5593% | 1,629 |
| Net interest margin | 3.4695% | 3,588 |
| Noninterest income to average assets | 1.5820% | 466 |
| Noninterest expense to average assets | 4.0089% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3479% | 5,158 |
| Return on assets (ROA) | 0.3479% | 5,245 |
| Pretax return on assets | 0.3479% | 5,408 |
| Return on Equity (ROE) | 3.6601% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.6601% | 3,662 |
| Net charge-offs to loans | 0.2834% | 743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,742 |
| Efficiency ratio | 92.0152% | 546 |
| Assets per employee ($millions) | 2.3267% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1853% | 6 |
| Loan loss allowance to noncurrent loans | 66.0636% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 13.6387% | 29 |
| Noncurrent loans to loans | 13.9038% | 18 |
| Net loans and leases to total assets | 51.7202% | 4,651 |
| Net loans and leases to deposits | 57.3520% | 4,894 |
| Net loans and leases to core deposits | 58.0129% | 5,048 |
| Total domestic deposits to total assets | 90.1803% | 533 |
| Equity capital to assets | 9.4370% | 4,734 |
| Core capital (leverage) ratio | 8.0483% | 5,747 |
| Tier 1 risk-based capital ratio | 12.6793% | 4,468 |
| Total risk-based capital ratio | 14.0373% | 4,315 |
| Memoranda: | ||
| Average total assets | $48,292,000 | 5,541 |
| Average earning assets | $38,622,000 | 5,666 |
| Average equity | $4,590,000 | 5,706 |
| Average total loans | $29,635,000 | 5,351 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9821% | 3,373 |
| Cost of funding earning assets | 0.6294% | 1,180 |
| Net interest margin | 3.3527% | 4,103 |
| Noninterest income to average assets | -0.2499% | 6,163 |
| Noninterest expense to average assets | 4.9131% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -2.6158% | 6,153 |
| Return on assets (ROA) | -2.6158% | 6,154 |
| Pretax return on assets | -2.6287% | 6,154 |
| Return on Equity (ROE) | -26.3600% | 6,144 |
| Retained earnings to average equity (ytd only) | -26.3600% | 6,133 |
| Net charge-offs to loans | -0.3552% | 6,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 215.0729% | 9 |
| Assets per employee ($millions) | 2.0749% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1958% | 10 |
| Loan loss allowance to noncurrent loans | 51.5503% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 20.7028% | 3 |
| Noncurrent loans to loans | 15.8986% | 15 |
| Net loans and leases to total assets | 60.4866% | 3,763 |
| Net loans and leases to deposits | 67.2695% | 4,193 |
| Net loans and leases to core deposits | 68.0657% | 4,449 |
| Total domestic deposits to total assets | 89.9168% | 664 |
| Equity capital to assets | 9.5740% | 4,470 |
| Core capital (leverage) ratio | 7.0520% | 6,047 |
| Tier 1 risk-based capital ratio | 10.3482% | 5,844 |
| Total risk-based capital ratio | 11.6848% | 5,726 |
| Memoranda: | ||
| Average total assets | $54,018,600 | 5,456 |
| Average earning assets | $40,832,400 | 5,653 |
| Average equity | $5,360,400 | 5,568 |
| Average total loans | $32,942,400 | 5,259 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 3,645 |
| Cost of funding earning assets | 0.6349% | 1,177 |
| Net interest margin | 3.2925% | 4,386 |
| Noninterest income to average assets | 0.6140% | 2,668 |
| Noninterest expense to average assets | 4.8351% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.7292% | 6,220 |
| Return on assets (ROA) | -1.7292% | 6,222 |
| Pretax return on assets | -1.7460% | 6,220 |
| Return on Equity (ROE) | -17.2952% | 6,218 |
| Retained earnings to average equity (ytd only) | -17.2952% | 6,188 |
| Net charge-offs to loans | -0.4362% | 6,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.5217% | 36 |
| Assets per employee ($millions) | 2.2833% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9032% | 10 |
| Loan loss allowance to noncurrent loans | 51.6174% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 23.4786% | 3 |
| Noncurrent loans to loans | 15.3110% | 13 |
| Net loans and leases to total assets | 57.0055% | 4,246 |
| Net loans and leases to deposits | 65.3546% | 4,437 |
| Net loans and leases to core deposits | 65.3546% | 4,736 |
| Total domestic deposits to total assets | 87.2248% | 1,928 |
| Equity capital to assets | 10.0179% | 4,127 |
| Core capital (leverage) ratio | 8.4309% | 5,603 |
| Tier 1 risk-based capital ratio | 11.0092% | 5,656 |
| Total risk-based capital ratio | 12.3221% | 5,514 |
| Memoranda: | ||
| Average total assets | $55,592,500 | 5,484 |
| Average earning assets | $41,790,750 | 5,706 |
| Average equity | $5,558,250 | 5,599 |
| Average total loans | $33,317,250 | 5,310 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 3,573 |
| Cost of funding earning assets | 0.6472% | 1,122 |
| Net interest margin | 3.2830% | 4,363 |
| Noninterest income to average assets | 0.3850% | 4,194 |
| Noninterest expense to average assets | 4.5427% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.6602% | 6,295 |
| Return on assets (ROA) | -1.6602% | 6,294 |
| Pretax return on assets | -1.6850% | 6,291 |
| Return on Equity (ROE) | -16.6156% | 6,283 |
| Retained earnings to average equity (ytd only) | -16.6156% | 6,243 |
| Net charge-offs to loans | -0.5538% | 6,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.9617% | 36 |
| Assets per employee ($millions) | 2.4070% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9101% | 15 |
| Loan loss allowance to noncurrent loans | 42.8643% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 24.0336% | 5 |
| Noncurrent loans to loans | 18.4539% | 12 |
| Net loans and leases to total assets | 53.6886% | 4,589 |
| Net loans and leases to deposits | 61.3090% | 4,748 |
| Net loans and leases to core deposits | 61.3090% | 4,989 |
| Total domestic deposits to total assets | 87.5704% | 1,868 |
| Equity capital to assets | 9.9566% | 4,086 |
| Core capital (leverage) ratio | 8.4449% | 5,586 |
| Tier 1 risk-based capital ratio | 11.6072% | 5,403 |
| Total risk-based capital ratio | 12.9203% | 5,272 |
| Memoranda: | ||
| Average total assets | $56,618,000 | 5,525 |
| Average earning assets | $42,643,330 | 5,751 |
| Average equity | $5,657,330 | 5,634 |
| Average total loans | $33,587,670 | 5,338 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,553 |
| Cost of funding earning assets | 0.6631% | 1,029 |
| Net interest margin | 3.5114% | 3,385 |
| Noninterest income to average assets | -1.8011% | 6,413 |
| Noninterest expense to average assets | 4.4050% | 459 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -3.5812% | 6,395 |
| Return on assets (ROA) | -3.5812% | 6,394 |
| Pretax return on assets | -3.5812% | 6,392 |
| Return on Equity (ROE) | -35.4895% | 6,388 |
| Retained earnings to average equity (ytd only) | -35.4895% | 6,359 |
| Net charge-offs to loans | -0.7242% | 6,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 534.7458% | 6 |
| Assets per employee ($millions) | 2.4743% | 6,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4587% | 17 |
| Loan loss allowance to noncurrent loans | 41.4326% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 25.1054% | 4 |
| Noncurrent loans to loans | 18.0020% | 17 |
| Net loans and leases to total assets | 54.9852% | 4,320 |
| Net loans and leases to deposits | 62.6421% | 4,513 |
| Net loans and leases to core deposits | 63.2781% | 4,762 |
| Total domestic deposits to total assets | 87.7768% | 1,945 |
| Equity capital to assets | 9.7104% | 4,492 |
| Core capital (leverage) ratio | 8.3996% | 5,630 |
| Tier 1 risk-based capital ratio | 9.6676% | 6,240 |
| Total risk-based capital ratio | 10.9659% | 6,198 |
| Memoranda: | ||
| Average total assets | $57,299,000 | 5,563 |
| Average earning assets | $42,831,500 | 5,788 |
| Average equity | $5,782,000 | 5,663 |
| Average total loans | $34,244,000 | 5,361 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7284% | 4,707 |
| Cost of funding earning assets | 0.6480% | 1,419 |
| Net interest margin | 3.0804% | 5,251 |
| Noninterest income to average assets | 0.9084% | 1,474 |
| Noninterest expense to average assets | 5.3759% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -2.1048% | 6,457 |
| Return on assets (ROA) | -2.1048% | 6,455 |
| Pretax return on assets | -2.0826% | 6,448 |
| Return on Equity (ROE) | -18.3125% | 6,432 |
| Retained earnings to average equity (ytd only) | -18.3125% | 6,411 |
| Net charge-offs to loans | 1.7346% | 131 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -1.9439% | 4,835 |
| Efficiency ratio | 163.2388% | 39 |
| Assets per employee ($millions) | 2.3771% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3110% | 19 |
| Loan loss allowance to noncurrent loans | 26.7342% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 28.5153% | 3 |
| Noncurrent loans to loans | 27.3469% | 3 |
| Net loans and leases to total assets | 59.7791% | 3,819 |
| Net loans and leases to deposits | 67.9281% | 4,133 |
| Net loans and leases to core deposits | 68.6142% | 4,438 |
| Total domestic deposits to total assets | 88.0035% | 1,769 |
| Equity capital to assets | 11.4812% | 2,443 |
| Core capital (leverage) ratio | 10.0404% | 3,518 |
| Tier 1 risk-based capital ratio | 15.0593% | 3,459 |
| Total risk-based capital ratio | 16.3803% | 3,371 |
| Memoranda: | ||
| Average total assets | $63,189,400 | 5,471 |
| Average earning assets | $48,922,200 | 5,704 |
| Average equity | $7,262,800 | 5,360 |
| Average total loans | $39,029,400 | 5,219 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,825 |
| Cost of funding earning assets | 0.6414% | 1,518 |
| Net interest margin | 3.0682% | 5,338 |
| Noninterest income to average assets | 0.8178% | 1,824 |
| Noninterest expense to average assets | 4.5567% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.3987% | 6,498 |
| Return on assets (ROA) | -1.3987% | 6,494 |
| Pretax return on assets | -1.3740% | 6,481 |
| Return on Equity (ROE) | -12.1665% | 6,472 |
| Retained earnings to average equity (ytd only) | -12.1665% | 6,418 |
| Net charge-offs to loans | 2.3474% | 72 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.9570% | 4,526 |
| Efficiency ratio | 143.1715% | 67 |
| Assets per employee ($millions) | 2.4561% | 6,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3465% | 28 |
| Loan loss allowance to noncurrent loans | 25.9148% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 31.7189% | 3 |
| Noncurrent loans to loans | 28.3486% | 4 |
| Net loans and leases to total assets | 57.1269% | 4,187 |
| Net loans and leases to deposits | 65.5200% | 4,384 |
| Net loans and leases to core deposits | 65.5200% | 4,755 |
| Total domestic deposits to total assets | 87.1900% | 2,207 |
| Equity capital to assets | 12.2146% | 1,897 |
| Core capital (leverage) ratio | 10.6291% | 2,891 |
| Tier 1 risk-based capital ratio | 15.9097% | 3,098 |
| Total risk-based capital ratio | 17.2262% | 3,019 |
| Memoranda: | ||
| Average total assets | $64,724,250 | 5,491 |
| Average earning assets | $49,887,000 | 5,745 |
| Average equity | $7,441,000 | 5,358 |
| Average total loans | $39,588,250 | 5,260 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 5,175 |
| Cost of funding earning assets | 0.6419% | 1,578 |
| Net interest margin | 2.9502% | 5,635 |
| Noninterest income to average assets | 0.4351% | 3,987 |
| Noninterest expense to average assets | 5.1943% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.5026% | 6,612 |
| Return on assets (ROA) | -2.5026% | 6,614 |
| Pretax return on assets | -2.4696% | 6,606 |
| Return on Equity (ROE) | -22.1769% | 6,585 |
| Retained earnings to average equity (ytd only) | -22.1769% | 6,548 |
| Net charge-offs to loans | 3.7030% | 30 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.0930% | 4,210 |
| Efficiency ratio | 190.6388% | 26 |
| Assets per employee ($millions) | 2.6356% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9436% | 29 |
| Loan loss allowance to noncurrent loans | 44.9837% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 22.8412% | 9 |
| Noncurrent loans to loans | 15.4359% | 32 |
| Net loans and leases to total assets | 55.3831% | 4,366 |
| Net loans and leases to deposits | 62.9879% | 4,596 |
| Net loans and leases to core deposits | 62.9879% | 4,900 |
| Total domestic deposits to total assets | 87.9265% | 1,945 |
| Equity capital to assets | 11.1424% | 2,741 |
| Core capital (leverage) ratio | 9.7698% | 3,932 |
| Tier 1 risk-based capital ratio | 15.0974% | 3,580 |
| Total risk-based capital ratio | 16.4087% | 3,497 |
| Memoranda: | ||
| Average total assets | $66,650,330 | 5,487 |
| Average earning assets | $51,724,670 | 5,741 |
| Average equity | $7,521,330 | 5,379 |
| Average total loans | $40,669,670 | 5,243 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4415% | 5,554 |
| Cost of funding earning assets | 0.6257% | 1,763 |
| Net interest margin | 2.8158% | 5,905 |
| Noninterest income to average assets | 0.1170% | 6,265 |
| Noninterest expense to average assets | 5.2730% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.9437% | 6,689 |
| Return on assets (ROA) | -2.9437% | 6,690 |
| Pretax return on assets | -2.9437% | 6,686 |
| Return on Equity (ROE) | -25.9345% | 6,651 |
| Retained earnings to average equity (ytd only) | -25.9345% | 6,593 |
| Net charge-offs to loans | 7.1501% | 10 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.6671% | 3,494 |
| Efficiency ratio | 226.3819% | 21 |
| Assets per employee ($millions) | 2.7321% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8502% | 55 |
| Loan loss allowance to noncurrent loans | 36.2058% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 22.8500% | 10 |
| Noncurrent loans to loans | 16.1583% | 35 |
| Net loans and leases to total assets | 57.8487% | 3,863 |
| Net loans and leases to deposits | 66.1897% | 4,072 |
| Net loans and leases to core deposits | 66.1897% | 4,473 |
| Total domestic deposits to total assets | 87.3984% | 2,569 |
| Equity capital to assets | 11.6439% | 2,141 |
| Core capital (leverage) ratio | 9.9821% | 3,594 |
| Tier 1 risk-based capital ratio | 15.6439% | 3,361 |
| Total risk-based capital ratio | 16.9457% | 3,298 |
| Memoranda: | ||
| Average total assets | $68,348,500 | 5,501 |
| Average earning assets | $53,697,000 | 5,741 |
| Average equity | $7,758,000 | 5,356 |
| Average total loans | $42,181,500 | 5,229 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 4,687 |
| Cost of funding earning assets | 0.7655% | 1,409 |
| Net interest margin | 3.0656% | 5,417 |
| Noninterest income to average assets | 4.2524% | 156 |
| Noninterest expense to average assets | 4.5507% | 506 |
| Loan and lease loss provision to assets | 0.7701% | 281 |
| Net operating income to assets | 1.6098% | 677 |
| Return on assets (ROA) | 1.6033% | 705 |
| Pretax return on assets | 1.6033% | 1,158 |
| Return on Equity (ROE) | 38.9110% | 29 |
| Retained earnings to average equity (ytd only) | 38.9110% | 15 |
| Net charge-offs to loans | 1.3633% | 361 |
| Credit loss provision to net charge-offs | 89.7921% | 2,762 |
| Earnings coverage of net charge-offs (x) | 2.7750% | 4,078 |
| Efficiency ratio | 65.6608% | 4,624 |
| Assets per employee ($millions) | 1.5133% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6394% | 21 |
| Loan loss allowance to noncurrent loans | 35.1829% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 22.5951% | 12 |
| Noncurrent loans to loans | 21.7135% | 13 |
| Net loans and leases to total assets | 57.2322% | 4,159 |
| Net loans and leases to deposits | 68.0423% | 4,051 |
| Net loans and leases to core deposits | 68.0423% | 4,507 |
| Total domestic deposits to total assets | 84.1127% | 4,120 |
| Equity capital to assets | 11.0803% | 2,542 |
| Core capital (leverage) ratio | 6.1770% | 6,634 |
| Tier 1 risk-based capital ratio | 15.4686% | 3,394 |
| Total risk-based capital ratio | 16.7938% | 3,301 |
| Memoranda: | ||
| Average total assets | $123,366,800 | 4,206 |
| Average earning assets | $107,777,800 | 4,315 |
| Average equity | $5,083,400 | 6,043 |
| Average total loans | $77,605,600 | 4,010 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 5,481 |
| Cost of funding earning assets | 0.7204% | 1,805 |
| Net interest margin | 2.8652% | 5,886 |
| Noninterest income to average assets | 0.6753% | 2,749 |
| Noninterest expense to average assets | 4.0773% | 788 |
| Loan and lease loss provision to assets | 0.9284% | 189 |
| Net operating income to assets | -1.8002% | 6,787 |
| Return on assets (ROA) | -1.8002% | 6,791 |
| Pretax return on assets | -1.8002% | 6,787 |
| Return on Equity (ROE) | -56.0205% | 6,865 |
| Retained earnings to average equity (ytd only) | -56.0205% | 6,862 |
| Net charge-offs to loans | 1.5180% | 303 |
| Credit loss provision to net charge-offs | 97.0378% | 2,465 |
| Earnings coverage of net charge-offs (x) | -0.9111% | 5,001 |
| Efficiency ratio | 127.1951% | 138 |
| Assets per employee ($millions) | 2.7604% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4543% | 168 |
| Loan loss allowance to noncurrent loans | 42.0654% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 11.9201% | 90 |
| Noncurrent loans to loans | 10.5890% | 113 |
| Net loans and leases to total assets | 60.8576% | 3,548 |
| Net loans and leases to deposits | 63.1964% | 4,607 |
| Net loans and leases to core deposits | 64.1858% | 4,883 |
| Total domestic deposits to total assets | 96.2992% | 20 |
| Equity capital to assets | 2.9335% | 6,847 |
| Core capital (leverage) ratio | 2.2102% | 6,878 |
| Tier 1 risk-based capital ratio | 3.6994% | 6,870 |
| Total risk-based capital ratio | 4.9903% | 6,870 |
| Memoranda: | ||
| Average total assets | $136,427,000 | 3,988 |
| Average earning assets | $120,477,750 | 4,092 |
| Average equity | $4,384,000 | 6,311 |
| Average total loans | $85,988,500 | 3,809 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5577% | 5,571 |
| Cost of funding earning assets | 0.7284% | 1,856 |
| Net interest margin | 2.8293% | 5,947 |
| Noninterest income to average assets | 0.6803% | 2,738 |
| Noninterest expense to average assets | 3.6813% | 1,280 |
| Loan and lease loss provision to assets | 1.3436% | 107 |
| Net operating income to assets | -1.8230% | 6,837 |
| Return on assets (ROA) | -1.8230% | 6,841 |
| Pretax return on assets | -1.8230% | 6,831 |
| Return on Equity (ROE) | -55.3496% | 6,913 |
| Retained earnings to average equity (ytd only) | -55.3496% | 6,909 |
| Net charge-offs to loans | 2.1831% | 188 |
| Credit loss provision to net charge-offs | 97.9381% | 2,283 |
| Earnings coverage of net charge-offs (x) | -0.3495% | 4,643 |
| Efficiency ratio | 114.9735% | 225 |
| Assets per employee ($millions) | 2.7581% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2765% | 207 |
| Loan loss allowance to noncurrent loans | 43.1013% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 10.9018% | 127 |
| Noncurrent loans to loans | 9.9219% | 161 |
| Net loans and leases to total assets | 59.6590% | 3,717 |
| Net loans and leases to deposits | 61.9759% | 4,746 |
| Net loans and leases to core deposits | 62.8830% | 5,019 |
| Total domestic deposits to total assets | 96.2617% | 21 |
| Equity capital to assets | 3.1729% | 6,895 |
| Core capital (leverage) ratio | 2.5079% | 6,918 |
| Tier 1 risk-based capital ratio | 4.2636% | 6,910 |
| Total risk-based capital ratio | 5.5529% | 6,909 |
| Memoranda: | ||
| Average total assets | $141,416,330 | 3,923 |
| Average earning assets | $126,038,000 | 3,987 |
| Average equity | $4,657,670 | 6,280 |
| Average total loans | $88,863,670 | 3,753 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 5,668 |
| Cost of funding earning assets | 0.7500% | 1,851 |
| Net interest margin | 2.7652% | 6,101 |
| Noninterest income to average assets | 0.6490% | 2,882 |
| Noninterest expense to average assets | 3.4051% | 1,826 |
| Loan and lease loss provision to assets | 2.3081% | 47 |
| Net operating income to assets | -2.5715% | 6,947 |
| Return on assets (ROA) | -2.5715% | 6,948 |
| Pretax return on assets | -2.5715% | 6,942 |
| Return on Equity (ROE) | -76.8357% | 6,993 |
| Retained earnings to average equity (ytd only) | -76.8357% | 6,991 |
| Net charge-offs to loans | 2.7858% | 137 |
| Credit loss provision to net charge-offs | 131.3756% | 1,506 |
| Earnings coverage of net charge-offs (x) | -0.1499% | 3,861 |
| Efficiency ratio | 108.3838% | 351 |
| Assets per employee ($millions) | 2.9081% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0758% | 270 |
| Loan loss allowance to noncurrent loans | 33.1053% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 10.8132% | 162 |
| Noncurrent loans to loans | 12.3116% | 128 |
| Net loans and leases to total assets | 62.0120% | 3,061 |
| Net loans and leases to deposits | 67.3792% | 3,859 |
| Net loans and leases to core deposits | 68.2004% | 4,279 |
| Total domestic deposits to total assets | 92.0345% | 240 |
| Equity capital to assets | 3.1929% | 6,971 |
| Core capital (leverage) ratio | 2.5448% | 6,985 |
| Tier 1 risk-based capital ratio | 4.3322% | 6,971 |
| Total risk-based capital ratio | 5.6206% | 6,970 |
| Memoranda: | ||
| Average total assets | $147,309,500 | 3,855 |
| Average earning assets | $132,794,500 | 3,885 |
| Average equity | $4,930,000 | 6,270 |
| Average total loans | $92,900,000 | 3,678 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 6,246 |
| Cost of funding earning assets | 0.9839% | 1,440 |
| Net interest margin | 2.5996% | 6,632 |
| Noninterest income to average assets | 0.8933% | 1,880 |
| Noninterest expense to average assets | 4.2888% | 689 |
| Loan and lease loss provision to assets | 0.8320% | 572 |
| Net operating income to assets | -1.8929% | 6,915 |
| Return on assets (ROA) | -1.8929% | 6,925 |
| Pretax return on assets | -1.8929% | 6,915 |
| Return on Equity (ROE) | -45.4598% | 7,011 |
| Retained earnings to average equity (ytd only) | -45.4598% | 7,005 |
| Net charge-offs to loans | 4.0550% | 68 |
| Credit loss provision to net charge-offs | 32.1755% | 5,082 |
| Earnings coverage of net charge-offs (x) | -0.4102% | 5,646 |
| Efficiency ratio | 132.8633% | 148 |
| Assets per employee ($millions) | 3.3702% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6365% | 384 |
| Loan loss allowance to noncurrent loans | 28.3789% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 10.2496% | 211 |
| Noncurrent loans to loans | 12.8139% | 127 |
| Net loans and leases to total assets | 59.3982% | 3,705 |
| Net loans and leases to deposits | 61.8473% | 4,802 |
| Net loans and leases to core deposits | 65.6779% | 4,775 |
| Total domestic deposits to total assets | 96.0401% | 27 |
| Equity capital to assets | 3.4851% | 7,023 |
| Core capital (leverage) ratio | 3.0086% | 7,032 |
| Tier 1 risk-based capital ratio | 5.1716% | 7,016 |
| Total risk-based capital ratio | 6.4548% | 7,016 |
| Memoranda: | ||
| Average total assets | $164,777,200 | 3,538 |
| Average earning assets | $147,985,000 | 3,587 |
| Average equity | $6,861,000 | 5,806 |
| Average total loans | $105,079,200 | 3,392 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 6,312 |
| Cost of funding earning assets | 1.0070% | 1,516 |
| Net interest margin | 2.6419% | 6,710 |
| Noninterest income to average assets | 0.8970% | 1,836 |
| Noninterest expense to average assets | 3.9908% | 944 |
| Loan and lease loss provision to assets | 1.0134% | 399 |
| Net operating income to assets | -1.7390% | 7,007 |
| Return on assets (ROA) | -1.7390% | 7,018 |
| Pretax return on assets | -1.7390% | 6,989 |
| Return on Equity (ROE) | -40.2454% | 7,100 |
| Retained earnings to average equity (ytd only) | -40.2454% | 7,093 |
| Net charge-offs to loans | 4.0573% | 80 |
| Credit loss provision to net charge-offs | 38.8685% | 4,636 |
| Earnings coverage of net charge-offs (x) | -0.2783% | 5,438 |
| Efficiency ratio | 122.2222% | 181 |
| Assets per employee ($millions) | 2.6335% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4541% | 218 |
| Loan loss allowance to noncurrent loans | 33.4022% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 11.3289% | 183 |
| Noncurrent loans to loans | 13.3349% | 125 |
| Net loans and leases to total assets | 62.3901% | 3,315 |
| Net loans and leases to deposits | 65.4642% | 4,538 |
| Net loans and leases to core deposits | 69.6947% | 4,534 |
| Total domestic deposits to total assets | 95.3042% | 36 |
| Equity capital to assets | 4.2228% | 7,093 |
| Core capital (leverage) ratio | 2.8538% | 7,135 |
| Tier 1 risk-based capital ratio | 4.8105% | 7,119 |
| Total risk-based capital ratio | 6.1045% | 7,119 |
| Memoranda: | ||
| Average total assets | $167,214,000 | 3,533 |
| Average earning assets | $149,887,500 | 3,586 |
| Average equity | $7,225,500 | 5,765 |
| Average total loans | $107,459,000 | 3,380 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 6,450 |
| Cost of funding earning assets | 1.0304% | 1,580 |
| Net interest margin | 2.5980% | 6,817 |
| Noninterest income to average assets | 0.8016% | 2,170 |
| Noninterest expense to average assets | 3.9187% | 1,049 |
| Loan and lease loss provision to assets | 1.1809% | 354 |
| Net operating income to assets | -1.9674% | 7,064 |
| Return on assets (ROA) | -1.9674% | 7,072 |
| Pretax return on assets | -1.9651% | 7,061 |
| Return on Equity (ROE) | -45.2333% | 7,159 |
| Retained earnings to average equity (ytd only) | -45.2333% | 7,153 |
| Net charge-offs to loans | 3.6074% | 140 |
| Credit loss provision to net charge-offs | 51.1779% | 4,008 |
| Earnings coverage of net charge-offs (x) | -0.3398% | 5,199 |
| Efficiency ratio | 125.0185% | 197 |
| Assets per employee ($millions) | 2.7099% | 6,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1608% | 142 |
| Loan loss allowance to noncurrent loans | 32.9081% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 12.9319% | 150 |
| Noncurrent loans to loans | 15.6826% | 88 |
| Net loans and leases to total assets | 63.0302% | 3,226 |
| Net loans and leases to deposits | 66.4407% | 4,453 |
| Net loans and leases to core deposits | 70.5474% | 4,463 |
| Total domestic deposits to total assets | 94.8669% | 55 |
| Equity capital to assets | 4.3397% | 7,126 |
| Core capital (leverage) ratio | 3.0192% | 7,178 |
| Tier 1 risk-based capital ratio | 4.8859% | 7,168 |
| Total risk-based capital ratio | 6.1879% | 7,168 |
| Memoranda: | ||
| Average total assets | $172,914,670 | 3,461 |
| Average earning assets | $155,275,670 | 3,510 |
| Average equity | $7,521,000 | 5,705 |
| Average total loans | $110,605,000 | 3,319 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 6,579 |
| Cost of funding earning assets | 1.0748% | 1,523 |
| Net interest margin | 2.5210% | 6,941 |
| Noninterest income to average assets | 0.4846% | 4,029 |
| Noninterest expense to average assets | 3.8565% | 1,121 |
| Loan and lease loss provision to assets | 1.8165% | 173 |
| Net operating income to assets | -2.9250% | 7,218 |
| Return on assets (ROA) | -2.9250% | 7,219 |
| Pretax return on assets | -2.9206% | 7,207 |
| Return on Equity (ROE) | -67.1833% | 7,249 |
| Retained earnings to average equity (ytd only) | -67.1833% | 7,240 |
| Net charge-offs to loans | 6.9002% | 47 |
| Credit loss provision to net charge-offs | 41.8664% | 3,425 |
| Earnings coverage of net charge-offs (x) | -0.2545% | 4,455 |
| Efficiency ratio | 140.1125% | 134 |
| Assets per employee ($millions) | 3.3329% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7883% | 204 |
| Loan loss allowance to noncurrent loans | 29.8163% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 12.4706% | 185 |
| Noncurrent loans to loans | 16.0592% | 99 |
| Net loans and leases to total assets | 57.7277% | 4,080 |
| Net loans and leases to deposits | 60.3513% | 5,109 |
| Net loans and leases to core deposits | 63.5558% | 5,170 |
| Total domestic deposits to total assets | 95.6528% | 45 |
| Equity capital to assets | 4.0011% | 7,187 |
| Core capital (leverage) ratio | 2.9262% | 7,240 |
| Tier 1 risk-based capital ratio | 5.0018% | 7,213 |
| Total risk-based capital ratio | 6.2983% | 7,213 |
| Memoranda: | ||
| Average total assets | $180,783,500 | 3,365 |
| Average earning assets | $162,631,000 | 3,398 |
| Average equity | $7,871,000 | 5,634 |
| Average total loans | $113,677,500 | 3,284 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 6,071 |
| Cost of funding earning assets | 1.2769% | 1,587 |
| Net interest margin | 2.9173% | 6,661 |
| Noninterest income to average assets | 1.5403% | 558 |
| Noninterest expense to average assets | 3.6041% | 1,733 |
| Loan and lease loss provision to assets | 1.8151% | 362 |
| Net operating income to assets | -0.9228% | 6,709 |
| Return on assets (ROA) | -0.8419% | 6,703 |
| Pretax return on assets | -1.1190% | 6,781 |
| Return on Equity (ROE) | -20.7639% | 6,994 |
| Retained earnings to average equity (ytd only) | -20.7639% | 6,979 |
| Net charge-offs to loans | 4.0302% | 152 |
| Credit loss provision to net charge-offs | 64.9031% | 5,036 |
| Earnings coverage of net charge-offs (x) | 0.2103% | 5,674 |
| Efficiency ratio | 85.8818% | 1,580 |
| Assets per employee ($millions) | 3.0778% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3834% | 139 |
| Loan loss allowance to noncurrent loans | 39.0971% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 12.0491% | 206 |
| Noncurrent loans to loans | 13.7693% | 157 |
| Net loans and leases to total assets | 61.6049% | 3,678 |
| Net loans and leases to deposits | 65.4044% | 4,818 |
| Net loans and leases to core deposits | 74.0271% | 4,239 |
| Total domestic deposits to total assets | 94.1908% | 84 |
| Equity capital to assets | 4.7034% | 7,186 |
| Core capital (leverage) ratio | 3.2714% | 7,255 |
| Tier 1 risk-based capital ratio | 5.2101% | 7,236 |
| Total risk-based capital ratio | 6.5069% | 7,237 |
| Memoranda: | ||
| Average total assets | $217,614,400 | 2,864 |
| Average earning assets | $197,821,200 | 2,883 |
| Average equity | $8,823,000 | 5,332 |
| Average total loans | $151,011,400 | 2,630 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 5,839 |
| Cost of funding earning assets | 1.2422% | 2,049 |
| Net interest margin | 3.0910% | 6,401 |
| Noninterest income to average assets | 0.7831% | 2,130 |
| Noninterest expense to average assets | 3.4742% | 2,005 |
| Loan and lease loss provision to assets | 1.7356% | 355 |
| Net operating income to assets | -1.2206% | 6,965 |
| Return on assets (ROA) | -1.1155% | 6,952 |
| Pretax return on assets | -1.4703% | 7,011 |
| Return on Equity (ROE) | -28.4246% | 7,185 |
| Retained earnings to average equity (ytd only) | -28.4246% | 7,177 |
| Net charge-offs to loans | 4.6362% | 116 |
| Credit loss provision to net charge-offs | 53.2876% | 4,965 |
| Earnings coverage of net charge-offs (x) | 0.0390% | 5,569 |
| Efficiency ratio | 96.3405% | 803 |
| Assets per employee ($millions) | 2.8945% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2235% | 336 |
| Loan loss allowance to noncurrent loans | 41.9533% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 9.6493% | 384 |
| Noncurrent loans to loans | 10.0670% | 354 |
| Net loans and leases to total assets | 63.4813% | 3,417 |
| Net loans and leases to deposits | 66.4447% | 4,836 |
| Net loans and leases to core deposits | 74.3473% | 4,401 |
| Total domestic deposits to total assets | 95.5400% | 40 |
| Equity capital to assets | 4.0185% | 7,323 |
| Core capital (leverage) ratio | 3.0087% | 7,352 |
| Tier 1 risk-based capital ratio | 4.8277% | 7,329 |
| Total risk-based capital ratio | 6.1163% | 7,331 |
| Memoranda: | ||
| Average total assets | $226,620,250 | 2,775 |
| Average earning assets | $206,617,000 | 2,773 |
| Average equity | $8,893,500 | 5,338 |
| Average total loans | $159,205,750 | 2,525 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 5,915 |
| Cost of funding earning assets | 1.2682% | 2,132 |
| Net interest margin | 3.0610% | 6,487 |
| Noninterest income to average assets | 0.7284% | 2,384 |
| Noninterest expense to average assets | 3.4808% | 2,031 |
| Loan and lease loss provision to assets | 1.9419% | 329 |
| Net operating income to assets | -1.3716% | 7,059 |
| Return on assets (ROA) | -1.3654% | 7,063 |
| Pretax return on assets | -1.8858% | 7,144 |
| Return on Equity (ROE) | -35.0478% | 7,282 |
| Retained earnings to average equity (ytd only) | -35.0478% | 7,275 |
| Net charge-offs to loans | 6.0028% | 83 |
| Credit loss provision to net charge-offs | 45.2716% | 4,702 |
| Earnings coverage of net charge-offs (x) | 0.0111% | 5,274 |
| Efficiency ratio | 98.4589% | 776 |
| Assets per employee ($millions) | 2.7899% | 6,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7639% | 486 |
| Loan loss allowance to noncurrent loans | 26.7837% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 12.0934% | 260 |
| Noncurrent loans to loans | 14.0529% | 161 |
| Net loans and leases to total assets | 67.0641% | 2,813 |
| Net loans and leases to deposits | 70.3790% | 4,387 |
| Net loans and leases to core deposits | 78.3872% | 4,010 |
| Total domestic deposits to total assets | 95.2899% | 44 |
| Equity capital to assets | 4.1016% | 7,382 |
| Core capital (leverage) ratio | 2.9196% | 7,424 |
| Tier 1 risk-based capital ratio | 4.5336% | 7,417 |
| Total risk-based capital ratio | 5.8158% | 7,416 |
| Memoranda: | ||
| Average total assets | $231,727,000 | 2,738 |
| Average earning assets | $211,959,670 | 2,735 |
| Average equity | $9,027,670 | 5,318 |
| Average total loans | $165,590,670 | 2,459 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 5,957 |
| Cost of funding earning assets | 1.2859% | 2,268 |
| Net interest margin | 3.0333% | 6,505 |
| Noninterest income to average assets | 0.5257% | 3,690 |
| Noninterest expense to average assets | 3.5183% | 1,953 |
| Loan and lease loss provision to assets | 3.7912% | 113 |
| Net operating income to assets | -2.9730% | 7,393 |
| Return on assets (ROA) | -2.9605% | 7,396 |
| Pretax return on assets | -3.9766% | 7,434 |
| Return on Equity (ROE) | -77.9028% | 7,480 |
| Retained earnings to average equity (ytd only) | -77.9028% | 7,473 |
| Net charge-offs to loans | 10.5857% | 34 |
| Credit loss provision to net charge-offs | 49.5486% | 3,762 |
| Earnings coverage of net charge-offs (x) | -0.0264% | 4,599 |
| Efficiency ratio | 105.6911% | 581 |
| Assets per employee ($millions) | 2.8097% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7606% | 502 |
| Loan loss allowance to noncurrent loans | 23.4304% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 12.3599% | 245 |
| Noncurrent loans to loans | 16.0502% | 124 |
| Net loans and leases to total assets | 68.1466% | 2,516 |
| Net loans and leases to deposits | 70.8294% | 4,217 |
| Net loans and leases to core deposits | 78.4475% | 3,958 |
| Total domestic deposits to total assets | 96.2124% | 28 |
| Equity capital to assets | 3.4832% | 7,468 |
| Core capital (leverage) ratio | 2.4748% | 7,504 |
| Tier 1 risk-based capital ratio | 3.7239% | 7,497 |
| Total risk-based capital ratio | 5.0071% | 7,498 |
| Memoranda: | ||
| Average total assets | $237,390,000 | 2,703 |
| Average earning assets | $218,374,000 | 2,681 |
| Average equity | $9,021,500 | 5,323 |
| Average total loans | $171,590,500 | 2,414 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 3,260 |
| Cost of funding earning assets | 1.6972% | 1,616 |
| Net interest margin | 3.5745% | 4,943 |
| Noninterest income to average assets | 0.7467% | 2,557 |
| Noninterest expense to average assets | 3.5399% | 2,073 |
| Loan and lease loss provision to assets | 5.4288% | 59 |
| Net operating income to assets | -4.9910% | 7,534 |
| Return on assets (ROA) | -4.9466% | 7,536 |
| Pretax return on assets | -4.9511% | 7,536 |
| Return on Equity (ROE) | -95.0322% | 7,584 |
| Retained earnings to average equity (ytd only) | -95.0322% | 7,584 |
| Net charge-offs to loans | 4.2933% | 266 |
| Credit loss provision to net charge-offs | 158.8320% | 2,210 |
| Earnings coverage of net charge-offs (x) | 0.1268% | 5,995 |
| Efficiency ratio | 89.0945% | 1,393 |
| Assets per employee ($millions) | 2.7143% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7745% | 225 |
| Loan loss allowance to noncurrent loans | 29.9468% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 12.8052% | 239 |
| Noncurrent loans to loans | 15.9434% | 130 |
| Net loans and leases to total assets | 70.1847% | 2,500 |
| Net loans and leases to deposits | 73.5991% | 4,259 |
| Net loans and leases to core deposits | 88.1767% | 3,029 |
| Total domestic deposits to total assets | 95.3608% | 54 |
| Equity capital to assets | 4.1064% | 7,503 |
| Core capital (leverage) ratio | 3.4302% | 7,534 |
| Tier 1 risk-based capital ratio | 4.9302% | 7,527 |
| Total risk-based capital ratio | 6.2263% | 7,530 |
| Memoranda: | ||
| Average total assets | $243,479,200 | 2,606 |
| Average earning assets | $219,779,800 | 2,638 |
| Average equity | $12,673,600 | 4,440 |
| Average total loans | $193,837,000 | 2,211 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4582% | 2,609 |
| Cost of funding earning assets | 1.7618% | 1,580 |
| Net interest margin | 3.6964% | 4,414 |
| Noninterest income to average assets | 0.7477% | 2,523 |
| Noninterest expense to average assets | 3.5700% | 1,853 |
| Loan and lease loss provision to assets | 7.2241% | 21 |
| Net operating income to assets | -6.7207% | 7,711 |
| Return on assets (ROA) | -6.6617% | 7,712 |
| Pretax return on assets | -6.6677% | 7,705 |
| Return on Equity (ROE) | -121.6254% | 7,707 |
| Retained earnings to average equity (ytd only) | -121.6254% | 7,707 |
| Net charge-offs to loans | 5.1563% | 164 |
| Credit loss provision to net charge-offs | 172.8069% | 2,133 |
| Earnings coverage of net charge-offs (x) | 0.1190% | 5,902 |
| Efficiency ratio | 87.7721% | 1,470 |
| Assets per employee ($millions) | 2.7927% | 6,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8159% | 200 |
| Loan loss allowance to noncurrent loans | 39.0666% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 10.6106% | 356 |
| Noncurrent loans to loans | 12.3274% | 268 |
| Net loans and leases to total assets | 75.4954% | 1,496 |
| Net loans and leases to deposits | 79.6676% | 3,509 |
| Net loans and leases to core deposits | 95.8184% | 2,286 |
| Total domestic deposits to total assets | 94.7630% | 47 |
| Equity capital to assets | 4.1632% | 7,633 |
| Core capital (leverage) ratio | 3.4030% | 7,650 |
| Tier 1 risk-based capital ratio | 4.5876% | 7,659 |
| Total risk-based capital ratio | 5.8845% | 7,663 |
| Memoranda: | ||
| Average total assets | $243,955,500 | 2,647 |
| Average earning assets | $219,090,250 | 2,677 |
| Average equity | $13,362,000 | 4,357 |
| Average total loans | $197,784,000 | 2,208 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5785% | 2,215 |
| Cost of funding earning assets | 1.8372% | 1,501 |
| Net interest margin | 3.7413% | 4,177 |
| Noninterest income to average assets | 1.0554% | 1,205 |
| Noninterest expense to average assets | 3.6001% | 1,780 |
| Loan and lease loss provision to assets | 10.7807% | 6 |
| Net operating income to assets | -9.9814% | 7,806 |
| Return on assets (ROA) | -9.8933% | 7,806 |
| Pretax return on assets | -9.9023% | 7,808 |
| Return on Equity (ROE) | -167.5067% | 7,789 |
| Retained earnings to average equity (ytd only) | -167.5067% | 7,789 |
| Net charge-offs to loans | 6.8976% | 86 |
| Credit loss provision to net charge-offs | 191.4265% | 2,060 |
| Earnings coverage of net charge-offs (x) | 0.1403% | 5,581 |
| Efficiency ratio | 81.9989% | 2,167 |
| Assets per employee ($millions) | 2.7755% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0794% | 167 |
| Loan loss allowance to noncurrent loans | 52.6042% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 9.6901% | 434 |
| Noncurrent loans to loans | 9.6559% | 470 |
| Net loans and leases to total assets | 75.0320% | 1,685 |
| Net loans and leases to deposits | 79.2635% | 3,744 |
| Net loans and leases to core deposits | 99.3365% | 2,085 |
| Total domestic deposits to total assets | 94.6615% | 56 |
| Equity capital to assets | 3.9961% | 7,695 |
| Core capital (leverage) ratio | 3.3905% | 7,717 |
| Tier 1 risk-based capital ratio | 4.4138% | 7,729 |
| Total risk-based capital ratio | 5.7127% | 7,732 |
| Memoranda: | ||
| Average total assets | $245,215,670 | 2,649 |
| Average earning assets | $218,588,670 | 2,702 |
| Average equity | $14,483,000 | 4,091 |
| Average total loans | $200,213,670 | 2,214 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 2,940 |
| Cost of funding earning assets | 1.9731% | 1,178 |
| Net interest margin | 3.4469% | 5,387 |
| Noninterest income to average assets | 0.1670% | 6,770 |
| Noninterest expense to average assets | 3.3023% | 2,526 |
| Loan and lease loss provision to assets | 17.3743% | 6 |
| Net operating income to assets | -17.4397% | 7,927 |
| Return on assets (ROA) | -17.4152% | 7,927 |
| Pretax return on assets | -17.4332% | 7,926 |
| Return on Equity (ROE) | -253.4278% | 7,898 |
| Retained earnings to average equity (ytd only) | -253.4278% | 7,898 |
| Net charge-offs to loans | 12.2433% | 32 |
| Credit loss provision to net charge-offs | 171.0509% | 2,126 |
| Earnings coverage of net charge-offs (x) | -0.0082% | 5,032 |
| Efficiency ratio | 102.5941% | 769 |
| Assets per employee ($millions) | 2.5924% | 7,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0256% | 369 |
| Loan loss allowance to noncurrent loans | 33.1225% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 12.3378% | 241 |
| Noncurrent loans to loans | 12.1537% | 285 |
| Net loans and leases to total assets | 80.9792% | 716 |
| Net loans and leases to deposits | 86.1727% | 2,552 |
| Net loans and leases to core deposits | 112.9353% | 1,103 |
| Total domestic deposits to total assets | 93.9731% | 71 |
| Equity capital to assets | 4.8798% | 7,729 |
| Core capital (leverage) ratio | 4.0118% | 7,781 |
| Tier 1 risk-based capital ratio | 4.9929% | 7,800 |
| Total risk-based capital ratio | 6.2772% | 7,801 |
| Memoranda: | ||
| Average total assets | $244,315,500 | 2,710 |
| Average earning assets | $216,313,000 | 2,789 |
| Average equity | $16,789,000 | 3,699 |
| Average total loans | $202,691,000 | 2,244 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6592% | 3,295 |
| Cost of funding earning assets | 2.2172% | 1,958 |
| Net interest margin | 3.4420% | 5,209 |
| Noninterest income to average assets | 1.0264% | 1,482 |
| Noninterest expense to average assets | 2.9148% | 4,486 |
| Loan and lease loss provision to assets | 1.4408% | 1,599 |
| Net operating income to assets | -0.1388% | 5,742 |
| Return on assets (ROA) | -0.1834% | 5,821 |
| Pretax return on assets | -0.2100% | 5,716 |
| Return on Equity (ROE) | -2.2057% | 5,888 |
| Retained earnings to average equity (ytd only) | -3.0835% | 5,717 |
| Net charge-offs to loans | 1.7587% | 1,424 |
| Credit loss provision to net charge-offs | 98.6670% | 5,647 |
| Earnings coverage of net charge-offs (x) | 0.8780% | 5,227 |
| Efficiency ratio | 69.4524% | 4,737 |
| Assets per employee ($millions) | 2.8080% | 6,645 |
| Cash dividends to net income (ytd only)* | -39.7959% | 7,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 2,723 |
| Loan loss allowance to noncurrent loans | 13.3712% | 7,301 |
| Noncurrent assets plus other real estate owned to assets | 12.7995% | 213 |
| Noncurrent loans to loans | 13.0669% | 239 |
| Net loans and leases to total assets | 80.2173% | 955 |
| Net loans and leases to deposits | 91.0465% | 2,039 |
| Net loans and leases to core deposits | 106.1004% | 3,321 |
| Total domestic deposits to total assets | 88.1059% | 1,919 |
| Equity capital to assets | 8.7314% | 5,547 |
| Core capital (leverage) ratio | 7.7729% | 6,482 |
| Tier 1 risk-based capital ratio | 9.7628% | 7,053 |
| Total risk-based capital ratio | 11.0184% | 7,034 |
| Memoranda: | ||
| Average total assets | $267,151,800 | 2,455 |
| Average earning assets | $246,076,200 | 2,442 |
| Average equity | $22,214,800 | 2,921 |
| Average total loans | $221,812,600 | 2,088 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6374% | 3,655 |
| Cost of funding earning assets | 2.2305% | 2,276 |
| Net interest margin | 3.4069% | 5,237 |
| Noninterest income to average assets | 1.0819% | 1,357 |
| Noninterest expense to average assets | 2.8866% | 4,517 |
| Loan and lease loss provision to assets | 1.5014% | 1,278 |
| Net operating income to assets | -0.1212% | 5,922 |
| Return on assets (ROA) | -0.1285% | 5,968 |
| Pretax return on assets | -0.1458% | 5,906 |
| Return on Equity (ROE) | -1.5639% | 6,028 |
| Retained earnings to average equity (ytd only) | -2.7322% | 5,884 |
| Net charge-offs to loans | 1.2418% | 1,643 |
| Credit loss provision to net charge-offs | 145.0523% | 3,352 |
| Earnings coverage of net charge-offs (x) | 1.3178% | 4,797 |
| Efficiency ratio | 67.9101% | 4,997 |
| Assets per employee ($millions) | 2.8306% | 6,587 |
| Cash dividends to net income (ytd only)* | -74.7119% | 7,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1406% | 1,518 |
| Loan loss allowance to noncurrent loans | 23.1823% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 9.5594% | 376 |
| Noncurrent loans to loans | 9.2339% | 468 |
| Net loans and leases to total assets | 79.9518% | 1,180 |
| Net loans and leases to deposits | 93.4895% | 1,967 |
| Net loans and leases to core deposits | 109.2197% | 3,324 |
| Total domestic deposits to total assets | 85.5195% | 2,960 |
| Equity capital to assets | 8.4551% | 6,304 |
| Core capital (leverage) ratio | 7.8498% | 6,560 |
| Tier 1 risk-based capital ratio | 9.5257% | 7,353 |
| Total risk-based capital ratio | 10.7864% | 7,308 |
| Memoranda: | ||
| Average total assets | $270,759,500 | 2,420 |
| Average earning assets | $251,836,750 | 2,408 |
| Average equity | $22,252,000 | 2,940 |
| Average total loans | $225,683,000 | 2,087 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 4,256 |
| Cost of funding earning assets | 2.2842% | 2,427 |
| Net interest margin | 3.2798% | 5,627 |
| Noninterest income to average assets | 0.9507% | 1,757 |
| Noninterest expense to average assets | 2.8961% | 4,516 |
| Loan and lease loss provision to assets | 1.2757% | 1,343 |
| Net operating income to assets | -0.0892% | 5,989 |
| Return on assets (ROA) | -0.0981% | 6,055 |
| Pretax return on assets | -0.1376% | 6,046 |
| Return on Equity (ROE) | -1.2045% | 6,101 |
| Retained earnings to average equity (ytd only) | -2.9573% | 5,966 |
| Net charge-offs to loans | 1.6473% | 1,148 |
| Credit loss provision to net charge-offs | 92.3199% | 4,854 |
| Earnings coverage of net charge-offs (x) | 0.8326% | 4,914 |
| Efficiency ratio | 71.5681% | 4,491 |
| Assets per employee ($millions) | 2.9654% | 6,223 |
| Cash dividends to net income (ytd only)* | -145.5224% | 8,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 2,806 |
| Loan loss allowance to noncurrent loans | 18.3740% | 7,220 |
| Noncurrent assets plus other real estate owned to assets | 7.7420% | 504 |
| Noncurrent loans to loans | 8.6284% | 472 |
| Net loans and leases to total assets | 80.7889% | 1,174 |
| Net loans and leases to deposits | 94.2429% | 2,053 |
| Net loans and leases to core deposits | 111.2704% | 3,230 |
| Total domestic deposits to total assets | 85.7241% | 2,918 |
| Equity capital to assets | 8.2382% | 6,431 |
| Core capital (leverage) ratio | 7.5408% | 6,972 |
| Tier 1 risk-based capital ratio | 9.3973% | 7,476 |
| Total risk-based capital ratio | 10.6513% | 7,442 |
| Memoranda: | ||
| Average total assets | $273,262,670 | 2,420 |
| Average earning assets | $257,942,000 | 2,371 |
| Average equity | $22,250,000 | 2,943 |
| Average total loans | $229,218,330 | 2,089 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5564% | 4,606 |
| Cost of funding earning assets | 2.3705% | 2,412 |
| Net interest margin | 3.1858% | 5,899 |
| Noninterest income to average assets | 0.9485% | 1,647 |
| Noninterest expense to average assets | 2.7421% | 4,817 |
| Loan and lease loss provision to assets | 1.5900% | 792 |
| Net operating income to assets | -0.3200% | 6,700 |
| Return on assets (ROA) | -0.3200% | 6,779 |
| Pretax return on assets | -0.3710% | 6,728 |
| Return on Equity (ROE) | -3.9534% | 6,889 |
| Retained earnings to average equity (ytd only) | -6.1098% | 6,698 |
| Net charge-offs to loans | 1.8227% | 794 |
| Credit loss provision to net charge-offs | 102.9190% | 3,645 |
| Earnings coverage of net charge-offs (x) | 0.7891% | 4,396 |
| Efficiency ratio | 69.2251% | 4,734 |
| Assets per employee ($millions) | 3.0280% | 6,078 |
| Cash dividends to net income (ytd only)* | -54.5455% | 8,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 2,511 |
| Loan loss allowance to noncurrent loans | 33.1893% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 4.4080% | 1,100 |
| Noncurrent loans to loans | 4.8290% | 1,143 |
| Net loans and leases to total assets | 82.1724% | 988 |
| Net loans and leases to deposits | 95.3568% | 2,060 |
| Net loans and leases to core deposits | 111.5473% | 3,256 |
| Total domestic deposits to total assets | 86.1735% | 2,625 |
| Equity capital to assets | 7.9886% | 6,827 |
| Core capital (leverage) ratio | 7.6549% | 6,944 |
| Tier 1 risk-based capital ratio | 9.1295% | 7,720 |
| Total risk-based capital ratio | 10.3839% | 7,720 |
| Memoranda: | ||
| Average total assets | $274,967,000 | 2,420 |
| Average earning assets | $260,026,000 | 2,365 |
| Average equity | $22,259,500 | 2,948 |
| Average total loans | $233,065,500 | 2,071 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6708% | 2,150 |
| Cost of funding earning assets | 2.8722% | 2,384 |
| Net interest margin | 3.7986% | 4,025 |
| Noninterest income to average assets | 0.9359% | 1,830 |
| Noninterest expense to average assets | 2.8773% | 4,521 |
| Loan and lease loss provision to assets | 0.8690% | 1,716 |
| Net operating income to assets | 0.6943% | 3,917 |
| Return on assets (ROA) | 0.6383% | 4,001 |
| Pretax return on assets | 0.6849% | 4,448 |
| Return on Equity (ROE) | 7.5592% | 3,257 |
| Retained earnings to average equity (ytd only) | -2.7767% | 6,049 |
| Net charge-offs to loans | 0.6370% | 1,937 |
| Credit loss provision to net charge-offs | 156.6667% | 3,324 |
| Earnings coverage of net charge-offs (x) | 2.9100% | 4,626 |
| Efficiency ratio | 64.0622% | 5,543 |
| Assets per employee ($millions) | 2.8883% | 6,342 |
| Cash dividends to net income (ytd only)* | 136.7323% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 2,450 |
| Loan loss allowance to noncurrent loans | 43.0641% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 3.2002% | 1,427 |
| Noncurrent loans to loans | 3.5980% | 1,401 |
| Net loans and leases to total assets | 84.6842% | 786 |
| Net loans and leases to deposits | 105.6690% | 1,154 |
| Net loans and leases to core deposits | 124.4837% | 2,285 |
| Total domestic deposits to total assets | 80.1410% | 4,965 |
| Equity capital to assets | 8.2026% | 6,547 |
| Core capital (leverage) ratio | 7.4352% | 7,278 |
| Tier 1 risk-based capital ratio | 8.9788% | 7,796 |
| Total risk-based capital ratio | 10.2324% | 7,791 |
| Memoranda: | ||
| Average total assets | $270,423,800 | 2,381 |
| Average earning assets | $253,117,400 | 2,343 |
| Average equity | $22,833,000 | 2,867 |
| Average total loans | $235,474,400 | 2,007 |