Home > 22nd State Bank > Performance and Condition Ratios
22nd State 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 | 7.2635% | 186 |
| Cost of funding earning assets | 1.9565% | 986 |
| Net interest margin | 5.3071% | 233 |
| Noninterest income to average assets | 1.1100% | 542 |
| Noninterest expense to average assets | 4.6842% | 261 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.8926% | 2,575 |
| Return on assets (ROA) | 0.8926% | 2,545 |
| Pretax return on assets | 0.8926% | 2,982 |
| Return on Equity (ROE) | 8.0500% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.0500% | 1,519 |
| Net charge-offs to loans | 0.2060% | 522 |
| Credit loss provision to net charge-offs | 162.1693% | 1,395 |
| Earnings coverage of net charge-offs (x) | 7.1640% | 2,423 |
| Efficiency ratio | 80.1124% | 909 |
| Assets per employee ($millions) | 3.5403% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,405 |
| Loan loss allowance to noncurrent loans | 295.7637% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 1,506 |
| Noncurrent loans to loans | 0.4718% | 1,603 |
| Net loans and leases to total assets | 76.7400% | 1,009 |
| Net loans and leases to deposits | 92.4587% | 1,055 |
| Net loans and leases to core deposits | 107.0816% | 1,067 |
| Total domestic deposits to total assets | 83.0000% | 2,892 |
| Equity capital to assets | 11.1527% | 1,416 |
| Core capital (leverage) ratio | 11.3865% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2685% | 1,454 |
| Memoranda: | ||
| Average total assets | $234,706,400 | 2,768 |
| Average earning assets | $208,948,400 | 2,812 |
| Average equity | $26,025,000 | 2,462 |
| Average total loans | $183,457,200 | 2,413 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0214% | 196 |
| Cost of funding earning assets | 1.7468% | 1,100 |
| Net interest margin | 5.2746% | 228 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 4.7326% | 250 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.7381% | 3,208 |
| Return on assets (ROA) | 0.7381% | 3,197 |
| Pretax return on assets | 0.7381% | 3,477 |
| Return on Equity (ROE) | 6.6700% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.6664% | 2,410 |
| Net charge-offs to loans | 0.2208% | 400 |
| Credit loss provision to net charge-offs | 154.4850% | 1,304 |
| Earnings coverage of net charge-offs (x) | 5.8173% | 2,331 |
| Efficiency ratio | 82.3547% | 709 |
| Assets per employee ($millions) | 3.6827% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 1,590 |
| Loan loss allowance to noncurrent loans | 178.9328% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 1,034 |
| Noncurrent loans to loans | 0.7647% | 1,087 |
| Net loans and leases to total assets | 73.2500% | 1,442 |
| Net loans and leases to deposits | 91.6403% | 1,085 |
| Net loans and leases to core deposits | 105.3398% | 1,048 |
| Total domestic deposits to total assets | 79.9300% | 3,537 |
| Equity capital to assets | 10.1886% | 1,714 |
| Core capital (leverage) ratio | 11.3918% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7140% | 1,654 |
| Memoranda: | ||
| Average total assets | $232,312,500 | 2,792 |
| Average earning assets | $206,545,750 | 2,833 |
| Average equity | $25,720,250 | 2,467 |
| Average total loans | $181,790,250 | 2,429 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0851% | 168 |
| Cost of funding earning assets | 1.6181% | 1,022 |
| Net interest margin | 5.4670% | 177 |
| Noninterest income to average assets | 1.0100% | 559 |
| Noninterest expense to average assets | 4.7857% | 234 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 0.7172% | 3,310 |
| Return on assets (ROA) | 0.7172% | 3,305 |
| Pretax return on assets | 0.7172% | 3,567 |
| Return on Equity (ROE) | 6.2900% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.2890% | 2,516 |
| Net charge-offs to loans | 0.2633% | 318 |
| Credit loss provision to net charge-offs | 117.8261% | 1,337 |
| Earnings coverage of net charge-offs (x) | 4.6870% | 2,207 |
| Efficiency ratio | 83.1812% | 645 |
| Assets per employee ($millions) | 3.1323% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 1,720 |
| Loan loss allowance to noncurrent loans | 269.6272% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 1,319 |
| Noncurrent loans to loans | 0.5003% | 1,459 |
| Net loans and leases to total assets | 79.7400% | 664 |
| Net loans and leases to deposits | 102.5053% | 412 |
| Net loans and leases to core deposits | 109.4133% | 853 |
| Total domestic deposits to total assets | 77.7900% | 3,874 |
| Equity capital to assets | 11.4486% | 1,214 |
| Core capital (leverage) ratio | 11.8669% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1300% | 1,536 |
| Memoranda: | ||
| Average total assets | $225,047,667 | 2,835 |
| Average earning assets | $194,915,000 | 2,932 |
| Average equity | $25,663,667 | 2,488 |
| Average total loans | $174,685,000 | 2,488 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8339% | 131 |
| Cost of funding earning assets | 1.8947% | 368 |
| Net interest margin | 4.9392% | 318 |
| Noninterest income to average assets | 1.5000% | 332 |
| Noninterest expense to average assets | 4.6177% | 261 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.8784% | 2,927 |
| Return on assets (ROA) | 0.8784% | 2,883 |
| Pretax return on assets | 0.8784% | 3,292 |
| Return on Equity (ROE) | 7.6800% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.6780% | 2,320 |
| Net charge-offs to loans | 0.2996% | 264 |
| Credit loss provision to net charge-offs | 93.7500% | 1,162 |
| Earnings coverage of net charge-offs (x) | 4.7969% | 1,843 |
| Efficiency ratio | 80.7537% | 777 |
| Assets per employee ($millions) | 3.4054% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,420 |
| Loan loss allowance to noncurrent loans | 257.0037% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 1,410 |
| Noncurrent loans to loans | 0.4770% | 1,520 |
| Net loans and leases to total assets | 75.6500% | 1,004 |
| Net loans and leases to deposits | 97.5893% | 559 |
| Net loans and leases to core deposits | 103.9490% | 928 |
| Total domestic deposits to total assets | 77.5100% | 4,049 |
| Equity capital to assets | 11.5382% | 1,141 |
| Core capital (leverage) ratio | 12.0145% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1173% | 1,595 |
| Memoranda: | ||
| Average total assets | $224,960,500 | 2,879 |
| Average earning assets | $191,692,500 | 2,990 |
| Average equity | $25,736,000 | 2,500 |
| Average total loans | $170,886,500 | 2,537 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4605% | 158 |
| Cost of funding earning assets | 0.6392% | 755 |
| Net interest margin | 4.8212% | 174 |
| Noninterest income to average assets | 1.3500% | 388 |
| Noninterest expense to average assets | 4.6837% | 245 |
| Loan and lease loss provision to assets | 0.3500% | 208 |
| Net operating income to assets | 0.6266% | 3,814 |
| Return on assets (ROA) | 0.6266% | 3,767 |
| Pretax return on assets | 0.6266% | 3,984 |
| Return on Equity (ROE) | 5.5000% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.5022% | 2,825 |
| Net charge-offs to loans | 0.4138% | 184 |
| Credit loss provision to net charge-offs | 116.1551% | 1,480 |
| Earnings coverage of net charge-offs (x) | 3.2617% | 2,472 |
| Efficiency ratio | 82.6517% | 558 |
| Assets per employee ($millions) | 3.3112% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,160 |
| Loan loss allowance to noncurrent loans | 578.6885% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,401 |
| Noncurrent loans to loans | 0.2157% | 2,413 |
| Net loans and leases to total assets | 74.4000% | 1,187 |
| Net loans and leases to deposits | 94.0343% | 778 |
| Net loans and leases to core deposits | 98.7975% | 1,062 |
| Total domestic deposits to total assets | 79.1200% | 3,988 |
| Equity capital to assets | 11.3424% | 1,131 |
| Core capital (leverage) ratio | 12.1508% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0324% | 1,623 |
| Memoranda: | ||
| Average total assets | $207,465,200 | 2,995 |
| Average earning assets | $185,222,600 | 3,035 |
| Average equity | $23,626,800 | 2,660 |
| Average total loans | $149,581,800 | 2,640 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1063% | 184 |
| Cost of funding earning assets | 0.4905% | 784 |
| Net interest margin | 4.6158% | 193 |
| Noninterest income to average assets | 1.2200% | 496 |
| Noninterest expense to average assets | 4.5704% | 246 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 0.5450% | 3,980 |
| Return on assets (ROA) | 0.5450% | 3,922 |
| Pretax return on assets | 0.5450% | 4,080 |
| Return on Equity (ROE) | 4.7800% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.7806% | 3,169 |
| Net charge-offs to loans | 0.4316% | 145 |
| Credit loss provision to net charge-offs | 90.3846% | 1,376 |
| Earnings coverage of net charge-offs (x) | 2.6774% | 2,237 |
| Efficiency ratio | 84.5854% | 512 |
| Assets per employee ($millions) | 3.0510% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,179 |
| Loan loss allowance to noncurrent loans | 869.1630% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 2,221 |
| Noncurrent loans to loans | 0.1459% | 2,887 |
| Net loans and leases to total assets | 74.0300% | 1,090 |
| Net loans and leases to deposits | 87.4958% | 1,068 |
| Net loans and leases to core deposits | 90.0237% | 1,295 |
| Total domestic deposits to total assets | 84.6100% | 3,362 |
| Equity capital to assets | 12.0383% | 879 |
| Core capital (leverage) ratio | 13.0412% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9942% | 1,432 |
| Memoranda: | ||
| Average total assets | $203,040,500 | 3,050 |
| Average earning assets | $183,770,000 | 3,066 |
| Average equity | $23,148,750 | 2,729 |
| Average total loans | $144,566,500 | 2,691 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 235 |
| Cost of funding earning assets | 0.4661% | 638 |
| Net interest margin | 4.2939% | 274 |
| Noninterest income to average assets | 1.1996% | 478 |
| Noninterest expense to average assets | 4.4790% | 217 |
| Loan and lease loss provision to assets | 0.2461% | 298 |
| Net operating income to assets | 0.4048% | 4,099 |
| Return on assets (ROA) | 0.4048% | 4,049 |
| Pretax return on assets | 0.4048% | 4,150 |
| Return on Equity (ROE) | 3.6203% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.6203% | 3,225 |
| Net charge-offs to loans | 0.5053% | 132 |
| Credit loss provision to net charge-offs | 69.6629% | 1,431 |
| Earnings coverage of net charge-offs (x) | 1.8427% | 2,050 |
| Efficiency ratio | 87.1373% | 530 |
| Assets per employee ($millions) | 3.0137% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 2,147 |
| Loan loss allowance to noncurrent loans | 1,031.8919% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 2,225 |
| Noncurrent loans to loans | 0.1269% | 3,084 |
| Net loans and leases to total assets | 72.3269% | 1,071 |
| Net loans and leases to deposits | 82.0839% | 1,239 |
| Net loans and leases to core deposits | 84.6171% | 1,414 |
| Total domestic deposits to total assets | 88.1134% | 2,529 |
| Equity capital to assets | 10.7620% | 1,331 |
| Core capital (leverage) ratio | 10.8107% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2951% | 1,631 |
| Memoranda: | ||
| Average total assets | $201,563,667 | 3,087 |
| Average earning assets | $184,495,667 | 3,106 |
| Average equity | $22,539,667 | 2,853 |
| Average total loans | $140,903,000 | 2,742 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 345 |
| Cost of funding earning assets | 0.4327% | 710 |
| Net interest margin | 4.0237% | 397 |
| Noninterest income to average assets | 1.0469% | 627 |
| Noninterest expense to average assets | 4.3570% | 220 |
| Loan and lease loss provision to assets | 0.2425% | 274 |
| Net operating income to assets | 0.1143% | 4,447 |
| Return on assets (ROA) | 0.1143% | 4,415 |
| Pretax return on assets | 0.1143% | 4,429 |
| Return on Equity (ROE) | 1.0040% | 4,424 |
| Retained earnings to average equity (ytd only) | 1.0040% | 3,823 |
| Net charge-offs to loans | 0.2282% | 272 |
| Credit loss provision to net charge-offs | 155.6962% | 852 |
| Earnings coverage of net charge-offs (x) | 2.2911% | 1,711 |
| Efficiency ratio | 92.2627% | 452 |
| Assets per employee ($millions) | 3.1899% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,688 |
| Loan loss allowance to noncurrent loans | 110.1550% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 417 |
| Noncurrent loans to loans | 1.3235% | 661 |
| Net loans and leases to total assets | 68.2374% | 1,189 |
| Net loans and leases to deposits | 77.8329% | 1,299 |
| Net loans and leases to core deposits | 80.4391% | 1,452 |
| Total domestic deposits to total assets | 87.6716% | 2,679 |
| Equity capital to assets | 11.0588% | 1,303 |
| Core capital (leverage) ratio | 10.7241% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4168% | 2,028 |
| Memoranda: | ||
| Average total assets | $202,893,500 | 3,084 |
| Average earning assets | $184,903,500 | 3,109 |
| Average equity | $23,106,500 | 2,898 |
| Average total loans | $138,469,500 | 2,763 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 762 |
| Cost of funding earning assets | 0.4004% | 1,543 |
| Net interest margin | 3.9624% | 766 |
| Noninterest income to average assets | 0.7192% | 1,692 |
| Noninterest expense to average assets | 3.9575% | 299 |
| Loan and lease loss provision to assets | 0.0622% | 1,824 |
| Net operating income to assets | 0.3423% | 4,367 |
| Return on assets (ROA) | 0.3511% | 4,370 |
| Pretax return on assets | 0.3511% | 4,438 |
| Return on Equity (ROE) | 3.0701% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.0701% | 3,604 |
| Net charge-offs to loans | 0.0547% | 1,244 |
| Credit loss provision to net charge-offs | 175.3425% | 1,386 |
| Earnings coverage of net charge-offs (x) | 11.3973% | 2,157 |
| Efficiency ratio | 90.5362% | 314 |
| Assets per employee ($millions) | 2.9652% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,598 |
| Loan loss allowance to noncurrent loans | 98.5826% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.1402% | 447 |
| Noncurrent loans to loans | 1.5092% | 599 |
| Net loans and leases to total assets | 66.2350% | 1,446 |
| Net loans and leases to deposits | 76.1360% | 1,554 |
| Net loans and leases to core deposits | 78.8735% | 1,689 |
| Total domestic deposits to total assets | 86.9956% | 2,522 |
| Equity capital to assets | 11.7223% | 1,381 |
| Core capital (leverage) ratio | 10.7696% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0583% | 1,827 |
| Memoranda: | ||
| Average total assets | $205,657,800 | 3,021 |
| Average earning assets | $189,076,000 | 3,038 |
| Average equity | $23,517,000 | 2,938 |
| Average total loans | $133,491,000 | 2,808 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 947 |
| Cost of funding earning assets | 0.4117% | 1,612 |
| Net interest margin | 3.8902% | 954 |
| Noninterest income to average assets | 0.6284% | 2,106 |
| Noninterest expense to average assets | 3.7799% | 347 |
| Loan and lease loss provision to assets | 0.0208% | 2,575 |
| Net operating income to assets | 0.4064% | 4,366 |
| Return on assets (ROA) | 0.4181% | 4,377 |
| Pretax return on assets | 0.4181% | 4,473 |
| Return on Equity (ROE) | 3.6785% | 4,353 |
| Retained earnings to average equity (ytd only) | 3.6785% | 3,685 |
| Net charge-offs to loans | 0.0471% | 1,188 |
| Credit loss provision to net charge-offs | 68.0851% | 1,770 |
| Earnings coverage of net charge-offs (x) | 14.0851% | 1,902 |
| Efficiency ratio | 89.6488% | 331 |
| Assets per employee ($millions) | 3.4049% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,751 |
| Loan loss allowance to noncurrent loans | 47.8731% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 2.1664% | 160 |
| Noncurrent loans to loans | 3.0702% | 211 |
| Net loans and leases to total assets | 64.9710% | 1,658 |
| Net loans and leases to deposits | 75.0743% | 1,757 |
| Net loans and leases to core deposits | 77.8149% | 1,903 |
| Total domestic deposits to total assets | 86.5423% | 2,538 |
| Equity capital to assets | 11.8748% | 1,458 |
| Core capital (leverage) ratio | 10.8789% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2731% | 1,872 |
| Memoranda: | ||
| Average total assets | $206,664,250 | 3,049 |
| Average earning assets | $190,115,750 | 3,060 |
| Average equity | $23,487,250 | 2,978 |
| Average total loans | $132,971,750 | 2,851 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 1,297 |
| Cost of funding earning assets | 0.4343% | 1,621 |
| Net interest margin | 3.6931% | 1,369 |
| Noninterest income to average assets | 0.5801% | 2,294 |
| Noninterest expense to average assets | 3.6704% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3097% | 4,515 |
| Return on assets (ROA) | 0.3097% | 4,539 |
| Pretax return on assets | 0.3097% | 4,577 |
| Return on Equity (ROE) | 2.7649% | 4,514 |
| Retained earnings to average equity (ytd only) | 2.7649% | 3,920 |
| Net charge-offs to loans | 0.0270% | 1,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 17.9444% | 1,572 |
| Efficiency ratio | 92.0019% | 293 |
| Assets per employee ($millions) | 3.3946% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,706 |
| Loan loss allowance to noncurrent loans | 46.7998% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.2233% | 175 |
| Noncurrent loans to loans | 3.1293% | 225 |
| Net loans and leases to total assets | 65.3402% | 1,782 |
| Net loans and leases to deposits | 77.6091% | 1,667 |
| Net loans and leases to core deposits | 80.5210% | 1,844 |
| Total domestic deposits to total assets | 84.1914% | 3,368 |
| Equity capital to assets | 11.7204% | 1,508 |
| Core capital (leverage) ratio | 10.5507% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6583% | 1,735 |
| Memoranda: | ||
| Average total assets | $208,589,667 | 3,025 |
| Average earning assets | $192,034,667 | 3,049 |
| Average equity | $23,364,667 | 2,981 |
| Average total loans | $133,140,333 | 2,860 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 2,286 |
| Cost of funding earning assets | 0.4580% | 1,663 |
| Net interest margin | 3.2730% | 2,472 |
| Noninterest income to average assets | 0.7295% | 1,771 |
| Noninterest expense to average assets | 3.3731% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3798% | 4,396 |
| Return on assets (ROA) | 0.3798% | 4,423 |
| Pretax return on assets | 0.3798% | 4,517 |
| Return on Equity (ROE) | 3.4663% | 4,380 |
| Retained earnings to average equity (ytd only) | 3.4663% | 3,643 |
| Net charge-offs to loans | 0.0180% | 1,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,050 |
| Efficiency ratio | 89.6794% | 376 |
| Assets per employee ($millions) | 4.0677% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 1,902 |
| Loan loss allowance to noncurrent loans | 46.8743% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.0897% | 235 |
| Noncurrent loans to loans | 3.0125% | 259 |
| Net loans and leases to total assets | 64.5950% | 1,969 |
| Net loans and leases to deposits | 79.8016% | 1,538 |
| Net loans and leases to core deposits | 83.2663% | 1,737 |
| Total domestic deposits to total assets | 80.9444% | 4,070 |
| Equity capital to assets | 10.9669% | 1,882 |
| Core capital (leverage) ratio | 10.2272% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5761% | 2,053 |
| Memoranda: | ||
| Average total assets | $212,742,500 | 2,985 |
| Average earning assets | $196,514,000 | 3,005 |
| Average equity | $23,310,000 | 2,974 |
| Average total loans | $133,305,000 | 2,862 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 1,587 |
| Cost of funding earning assets | 0.8962% | 866 |
| Net interest margin | 3.5067% | 2,454 |
| Noninterest income to average assets | 0.4910% | 2,671 |
| Noninterest expense to average assets | 4.1931% | 312 |
| Loan and lease loss provision to assets | 0.3579% | 951 |
| Net operating income to assets | -0.8250% | 4,915 |
| Return on assets (ROA) | -0.8000% | 4,912 |
| Pretax return on assets | -0.8000% | 4,909 |
| Return on Equity (ROE) | -8.0959% | 4,930 |
| Retained earnings to average equity (ytd only) | -8.0959% | 4,889 |
| Net charge-offs to loans | 0.0863% | 1,597 |
| Credit loss provision to net charge-offs | 612.2449% | 1,088 |
| Earnings coverage of net charge-offs (x) | -7.9898% | 3,396 |
| Efficiency ratio | 112.5360% | 111 |
| Assets per employee ($millions) | 4.2793% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 1,472 |
| Loan loss allowance to noncurrent loans | 46.8034% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 2.0737% | 266 |
| Noncurrent loans to loans | 3.2744% | 239 |
| Net loans and leases to total assets | 58.9161% | 2,993 |
| Net loans and leases to deposits | 72.1495% | 2,672 |
| Net loans and leases to core deposits | 75.9710% | 2,732 |
| Total domestic deposits to total assets | 81.6584% | 3,736 |
| Equity capital to assets | 10.9470% | 2,300 |
| Core capital (leverage) ratio | 10.7031% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8395% | 1,584 |
| Memoranda: | ||
| Average total assets | $167,632,000 | 3,217 |
| Average earning assets | $154,645,800 | 3,217 |
| Average equity | $16,564,000 | 3,499 |
| Average total loans | $113,552,800 | 3,046 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 914 |
| Cost of funding earning assets | 1.0114% | 733 |
| Net interest margin | 3.7664% | 1,720 |
| Noninterest income to average assets | 0.5203% | 2,527 |
| Noninterest expense to average assets | 4.0533% | 367 |
| Loan and lease loss provision to assets | 0.5127% | 563 |
| Net operating income to assets | -0.5742% | 4,906 |
| Return on assets (ROA) | -0.5383% | 4,904 |
| Pretax return on assets | -0.5383% | 4,901 |
| Return on Equity (ROE) | -5.6567% | 4,921 |
| Retained earnings to average equity (ytd only) | -5.6567% | 4,856 |
| Net charge-offs to loans | 0.0315% | 2,200 |
| Credit loss provision to net charge-offs | 2,307.6923% | 425 |
| Earnings coverage of net charge-offs (x) | -2.7692% | 3,175 |
| Efficiency ratio | 101.5411% | 159 |
| Assets per employee ($millions) | 3.5749% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 986 |
| Loan loss allowance to noncurrent loans | 47.5801% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 2.7038% | 181 |
| Noncurrent loans to loans | 3.4628% | 238 |
| Net loans and leases to total assets | 72.2977% | 1,619 |
| Net loans and leases to deposits | 98.2077% | 615 |
| Net loans and leases to core deposits | 109.4684% | 719 |
| Total domestic deposits to total assets | 73.6171% | 4,597 |
| Equity capital to assets | 8.6989% | 4,333 |
| Core capital (leverage) ratio | 9.0228% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9754% | 2,620 |
| Memoranda: | ||
| Average total assets | $156,048,250 | 3,307 |
| Average earning assets | $143,829,750 | 3,326 |
| Average equity | $14,849,250 | 3,673 |
| Average total loans | $109,935,250 | 3,109 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 804 |
| Cost of funding earning assets | 1.1330% | 644 |
| Net interest margin | 3.8791% | 1,620 |
| Noninterest income to average assets | 0.6024% | 2,118 |
| Noninterest expense to average assets | 4.1116% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0618% | 4,720 |
| Return on assets (ROA) | 0.1171% | 4,699 |
| Pretax return on assets | 0.1171% | 4,709 |
| Return on Equity (ROE) | 1.1925% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.1925% | 4,041 |
| Net charge-offs to loans | 0.0323% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.7647% | 2,739 |
| Efficiency ratio | 98.5188% | 198 |
| Assets per employee ($millions) | 3.7070% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,048 |
| Loan loss allowance to noncurrent loans | 72.4536% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.3871% | 709 |
| Noncurrent loans to loans | 1.7815% | 790 |
| Net loans and leases to total assets | 66.1965% | 2,600 |
| Net loans and leases to deposits | 90.6789% | 1,288 |
| Net loans and leases to core deposits | 100.8263% | 1,198 |
| Total domestic deposits to total assets | 73.0010% | 4,651 |
| Equity capital to assets | 9.2035% | 3,922 |
| Core capital (leverage) ratio | 9.6971% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8802% | 1,866 |
| Memoranda: | ||
| Average total assets | $152,057,000 | 3,336 |
| Average earning assets | $139,980,333 | 3,347 |
| Average equity | $14,927,000 | 3,662 |
| Average total loans | $105,410,000 | 3,158 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0235% | 919 |
| Cost of funding earning assets | 1.2927% | 579 |
| Net interest margin | 3.7308% | 2,215 |
| Noninterest income to average assets | 0.7050% | 1,634 |
| Noninterest expense to average assets | 4.4292% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2931% | 4,887 |
| Return on assets (ROA) | -0.2875% | 4,857 |
| Pretax return on assets | -0.2875% | 4,845 |
| Return on Equity (ROE) | -2.8272% | 4,864 |
| Retained earnings to average equity (ytd only) | -2.8272% | 4,335 |
| Net charge-offs to loans | 0.1331% | 930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -3.1176% | 2,509 |
| Efficiency ratio | 107.0856% | 161 |
| Assets per employee ($millions) | 3.3121% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 1,864 |
| Loan loss allowance to noncurrent loans | 66.0185% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 601 |
| Noncurrent loans to loans | 2.0583% | 672 |
| Net loans and leases to total assets | 69.4518% | 2,327 |
| Net loans and leases to deposits | 92.4017% | 1,236 |
| Net loans and leases to core deposits | 114.8052% | 631 |
| Total domestic deposits to total assets | 75.1629% | 4,572 |
| Equity capital to assets | 9.8857% | 3,893 |
| Core capital (leverage) ratio | 10.2044% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1608% | 1,859 |
| Memoranda: | ||
| Average total assets | $144,677,000 | 3,404 |
| Average earning assets | $133,053,500 | 3,409 |
| Average equity | $14,714,000 | 3,693 |
| Average total loans | $102,179,500 | 3,193 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 1,872 |
| Cost of funding earning assets | 1.3870% | 590 |
| Net interest margin | 3.4725% | 3,529 |
| Noninterest income to average assets | 0.3043% | 3,869 |
| Noninterest expense to average assets | 3.8262% | 645 |
| Loan and lease loss provision to assets | 0.6036% | 199 |
| Net operating income to assets | -0.9206% | 5,092 |
| Return on assets (ROA) | -0.9192% | 5,095 |
| Pretax return on assets | -0.9192% | 5,086 |
| Return on Equity (ROE) | -9.2626% | 5,118 |
| Retained earnings to average equity (ytd only) | -9.2626% | 5,055 |
| Net charge-offs to loans | 0.4329% | 441 |
| Credit loss provision to net charge-offs | 199.7658% | 1,335 |
| Earnings coverage of net charge-offs (x) | -1.0492% | 3,655 |
| Efficiency ratio | 109.0341% | 108 |
| Assets per employee ($millions) | 3.2630% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,310 |
| Loan loss allowance to noncurrent loans | 61.2579% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.9200% | 427 |
| Noncurrent loans to loans | 2.3989% | 473 |
| Net loans and leases to total assets | 69.8156% | 2,428 |
| Net loans and leases to deposits | 88.8316% | 1,728 |
| Net loans and leases to core deposits | 112.2109% | 745 |
| Total domestic deposits to total assets | 78.5933% | 4,257 |
| Equity capital to assets | 10.4725% | 3,477 |
| Core capital (leverage) ratio | 10.7895% | 2,685 |
| Tier 1 risk-based capital ratio | 14.8737% | 2,834 |
| Total risk-based capital ratio | 16.1263% | 2,764 |
| Memoranda: | ||
| Average total assets | $141,315,800 | 3,421 |
| Average earning assets | $130,423,600 | 3,416 |
| Average equity | $14,024,200 | 3,748 |
| Average total loans | $98,631,400 | 3,245 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 1,979 |
| Cost of funding earning assets | 1.4039% | 578 |
| Net interest margin | 3.4437% | 3,749 |
| Noninterest income to average assets | 0.2232% | 4,397 |
| Noninterest expense to average assets | 3.6985% | 749 |
| Loan and lease loss provision to assets | 0.8034% | 130 |
| Net operating income to assets | -1.1066% | 5,183 |
| Return on assets (ROA) | -1.1047% | 5,187 |
| Pretax return on assets | -1.1047% | 5,182 |
| Return on Equity (ROE) | -11.2866% | 5,206 |
| Retained earnings to average equity (ytd only) | -11.2866% | 5,156 |
| Net charge-offs to loans | 0.5242% | 323 |
| Credit loss provision to net charge-offs | 220.4134% | 1,217 |
| Earnings coverage of net charge-offs (x) | -0.8320% | 3,392 |
| Efficiency ratio | 108.9320% | 109 |
| Assets per employee ($millions) | 3.2935% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,101 |
| Loan loss allowance to noncurrent loans | 61.9480% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.0410% | 421 |
| Noncurrent loans to loans | 2.5104% | 461 |
| Net loans and leases to total assets | 70.3655% | 2,417 |
| Net loans and leases to deposits | 85.7011% | 2,231 |
| Net loans and leases to core deposits | 114.6816% | 723 |
| Total domestic deposits to total assets | 82.1057% | 3,450 |
| Equity capital to assets | 10.9774% | 3,110 |
| Core capital (leverage) ratio | 10.6722% | 2,955 |
| Tier 1 risk-based capital ratio | 15.8037% | 2,513 |
| Total risk-based capital ratio | 17.0575% | 2,452 |
| Memoranda: | ||
| Average total assets | $141,567,000 | 3,448 |
| Average earning assets | $130,399,500 | 3,455 |
| Average equity | $13,856,750 | 3,805 |
| Average total loans | $98,434,250 | 3,291 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 2,062 |
| Cost of funding earning assets | 1.3567% | 625 |
| Net interest margin | 3.4417% | 3,766 |
| Noninterest income to average assets | 0.0849% | 5,087 |
| Noninterest expense to average assets | 3.7121% | 740 |
| Loan and lease loss provision to assets | 1.1813% | 77 |
| Net operating income to assets | -1.6390% | 5,255 |
| Return on assets (ROA) | -1.6390% | 5,255 |
| Pretax return on assets | -1.6390% | 5,252 |
| Return on Equity (ROE) | -17.4071% | 5,271 |
| Retained earnings to average equity (ytd only) | -17.4071% | 5,236 |
| Net charge-offs to loans | 0.7146% | 209 |
| Credit loss provision to net charge-offs | 239.8305% | 1,059 |
| Earnings coverage of net charge-offs (x) | -0.9294% | 3,118 |
| Efficiency ratio | 114.0658% | 86 |
| Assets per employee ($millions) | 3.5430% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 1,123 |
| Loan loss allowance to noncurrent loans | 64.5842% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 2.0752% | 431 |
| Noncurrent loans to loans | 2.4121% | 503 |
| Net loans and leases to total assets | 68.2221% | 2,784 |
| Net loans and leases to deposits | 82.8392% | 2,641 |
| Net loans and leases to core deposits | 101.7501% | 1,578 |
| Total domestic deposits to total assets | 82.3548% | 3,424 |
| Equity capital to assets | 9.6429% | 4,279 |
| Core capital (leverage) ratio | 9.8294% | 3,791 |
| Tier 1 risk-based capital ratio | 14.4383% | 3,096 |
| Total risk-based capital ratio | 15.6917% | 3,011 |
| Memoranda: | ||
| Average total assets | $143,745,330 | 3,434 |
| Average earning assets | $132,376,330 | 3,443 |
| Average equity | $13,534,670 | 3,859 |
| Average total loans | $99,073,330 | 3,298 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 2,221 |
| Cost of funding earning assets | 1.3410% | 573 |
| Net interest margin | 3.3601% | 4,009 |
| Noninterest income to average assets | 0.5057% | 2,521 |
| Noninterest expense to average assets | 3.4458% | 1,044 |
| Loan and lease loss provision to assets | 0.1437% | 1,190 |
| Net operating income to assets | 0.0111% | 5,141 |
| Return on assets (ROA) | 0.0111% | 5,144 |
| Pretax return on assets | 0.0111% | 5,137 |
| Return on Equity (ROE) | 0.1188% | 5,141 |
| Retained earnings to average equity (ytd only) | 0.1188% | 4,505 |
| Net charge-offs to loans | 0.0322% | 1,809 |
| Credit loss provision to net charge-offs | 650.0000% | 512 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,160 |
| Efficiency ratio | 95.7022% | 234 |
| Assets per employee ($millions) | 3.4929% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,130 |
| Loan loss allowance to noncurrent loans | 39.2649% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.4840% | 314 |
| Noncurrent loans to loans | 2.8002% | 421 |
| Net loans and leases to total assets | 66.1595% | 3,030 |
| Net loans and leases to deposits | 73.2509% | 3,512 |
| Net loans and leases to core deposits | 78.0525% | 3,516 |
| Total domestic deposits to total assets | 90.3190% | 348 |
| Equity capital to assets | 9.4397% | 4,312 |
| Core capital (leverage) ratio | 10.0571% | 3,537 |
| Tier 1 risk-based capital ratio | 15.0021% | 2,889 |
| Total risk-based capital ratio | 16.1250% | 2,861 |
| Memoranda: | ||
| Average total assets | $144,757,500 | 3,449 |
| Average earning assets | $133,328,500 | 3,465 |
| Average equity | $13,469,000 | 3,878 |
| Average total loans | $99,502,500 | 3,333 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 1,344 |
| Cost of funding earning assets | 1.0983% | 499 |
| Net interest margin | 3.7796% | 2,746 |
| Noninterest income to average assets | 0.4768% | 2,961 |
| Noninterest expense to average assets | 3.4997% | 994 |
| Loan and lease loss provision to assets | 0.1455% | 1,469 |
| Net operating income to assets | 0.2866% | 5,026 |
| Return on assets (ROA) | 0.2866% | 5,022 |
| Pretax return on assets | 0.2866% | 5,059 |
| Return on Equity (ROE) | 3.0234% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.0234% | 3,886 |
| Net charge-offs to loans | 0.1737% | 1,110 |
| Credit loss provision to net charge-offs | 117.7515% | 2,207 |
| Earnings coverage of net charge-offs (x) | 3.4970% | 3,404 |
| Efficiency ratio | 89.0087% | 388 |
| Assets per employee ($millions) | 3.4833% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,518 |
| Loan loss allowance to noncurrent loans | 35.7884% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.5116% | 300 |
| Noncurrent loans to loans | 2.8671% | 374 |
| Net loans and leases to total assets | 69.9051% | 2,573 |
| Net loans and leases to deposits | 77.1558% | 3,263 |
| Net loans and leases to core deposits | 82.2466% | 3,241 |
| Total domestic deposits to total assets | 90.6025% | 295 |
| Equity capital to assets | 9.1657% | 4,432 |
| Core capital (leverage) ratio | 10.4469% | 3,087 |
| Tier 1 risk-based capital ratio | 13.5586% | 3,517 |
| Total risk-based capital ratio | 14.5323% | 3,555 |
| Memoranda: | ||
| Average total assets | $136,753,200 | 3,556 |
| Average earning assets | $125,011,800 | 3,576 |
| Average equity | $12,965,400 | 3,888 |
| Average total loans | $97,279,400 | 3,351 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8712% | 1,235 |
| Cost of funding earning assets | 1.0407% | 501 |
| Net interest margin | 3.8304% | 2,526 |
| Noninterest income to average assets | 0.4525% | 3,148 |
| Noninterest expense to average assets | 3.3974% | 1,125 |
| Loan and lease loss provision to assets | 0.1203% | 1,683 |
| Net operating income to assets | 0.4328% | 4,891 |
| Return on assets (ROA) | 0.4328% | 4,898 |
| Pretax return on assets | 0.4328% | 4,999 |
| Return on Equity (ROE) | 4.5253% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.5253% | 3,487 |
| Net charge-offs to loans | 0.0789% | 1,733 |
| Credit loss provision to net charge-offs | 214.0351% | 1,315 |
| Earnings coverage of net charge-offs (x) | 9.8418% | 2,622 |
| Efficiency ratio | 85.9995% | 516 |
| Assets per employee ($millions) | 2.9945% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,319 |
| Loan loss allowance to noncurrent loans | 136.1323% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 1,227 |
| Noncurrent loans to loans | 0.7904% | 2,127 |
| Net loans and leases to total assets | 73.0049% | 2,167 |
| Net loans and leases to deposits | 80.7242% | 2,956 |
| Net loans and leases to core deposits | 85.1484% | 3,074 |
| Total domestic deposits to total assets | 90.4374% | 367 |
| Equity capital to assets | 9.4313% | 4,150 |
| Core capital (leverage) ratio | 10.6338% | 2,951 |
| Tier 1 risk-based capital ratio | 15.8152% | 2,523 |
| Total risk-based capital ratio | 16.9855% | 2,490 |
| Memoranda: | ||
| Average total assets | $135,237,750 | 3,614 |
| Average earning assets | $123,499,500 | 3,629 |
| Average equity | $12,934,250 | 3,921 |
| Average total loans | $96,381,750 | 3,399 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7530% | 1,375 |
| Cost of funding earning assets | 0.9558% | 568 |
| Net interest margin | 3.7972% | 2,573 |
| Noninterest income to average assets | 0.3988% | 3,495 |
| Noninterest expense to average assets | 3.3383% | 1,234 |
| Loan and lease loss provision to assets | 0.1034% | 1,881 |
| Net operating income to assets | 0.4136% | 4,933 |
| Return on assets (ROA) | 0.4136% | 4,936 |
| Pretax return on assets | 0.4136% | 5,029 |
| Return on Equity (ROE) | 4.3046% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.3046% | 3,450 |
| Net charge-offs to loans | 0.0566% | 1,796 |
| Credit loss provision to net charge-offs | 259.2593% | 1,112 |
| Earnings coverage of net charge-offs (x) | 12.9630% | 2,173 |
| Efficiency ratio | 86.5900% | 540 |
| Assets per employee ($millions) | 3.1577% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,463 |
| Loan loss allowance to noncurrent loans | 90.8933% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.6188% | 787 |
| Noncurrent loans to loans | 1.1715% | 1,489 |
| Net loans and leases to total assets | 71.7162% | 2,321 |
| Net loans and leases to deposits | 79.3509% | 3,018 |
| Net loans and leases to core deposits | 83.1259% | 3,154 |
| Total domestic deposits to total assets | 90.3786% | 439 |
| Equity capital to assets | 9.4814% | 4,124 |
| Core capital (leverage) ratio | 10.6166% | 2,905 |
| Tier 1 risk-based capital ratio | 15.7070% | 2,548 |
| Total risk-based capital ratio | 15.7070% | 3,048 |
| Memoranda: | ||
| Average total assets | $135,399,000 | 3,629 |
| Average earning assets | $123,248,000 | 3,653 |
| Average equity | $13,009,330 | 3,933 |
| Average total loans | $95,360,000 | 3,420 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 1,695 |
| Cost of funding earning assets | 0.8822% | 656 |
| Net interest margin | 3.6751% | 2,905 |
| Noninterest income to average assets | 0.3639% | 3,708 |
| Noninterest expense to average assets | 3.1625% | 1,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5414% | 4,602 |
| Return on assets (ROA) | 0.5414% | 4,606 |
| Pretax return on assets | 0.5414% | 4,809 |
| Return on Equity (ROE) | 5.5976% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.5976% | 2,903 |
| Net charge-offs to loans | 0.1535% | 919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.0833% | 2,257 |
| Efficiency ratio | 85.3834% | 685 |
| Assets per employee ($millions) | 3.1957% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,694 |
| Loan loss allowance to noncurrent loans | 208.8362% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.0833% | 1,439 |
| Noncurrent loans to loans | 0.5005% | 3,014 |
| Net loans and leases to total assets | 68.3500% | 2,721 |
| Net loans and leases to deposits | 75.7364% | 3,242 |
| Net loans and leases to core deposits | 79.3108% | 3,384 |
| Total domestic deposits to total assets | 90.2472% | 566 |
| Equity capital to assets | 9.6373% | 3,955 |
| Core capital (leverage) ratio | 10.6143% | 2,834 |
| Tier 1 risk-based capital ratio | 16.0909% | 2,428 |
| Total risk-based capital ratio | 17.1888% | 2,443 |
| Memoranda: | ||
| Average total assets | $135,208,000 | 3,670 |
| Average earning assets | $122,880,000 | 3,697 |
| Average equity | $13,077,000 | 3,954 |
| Average total loans | $93,827,500 | 3,467 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 1,559 |
| Cost of funding earning assets | 0.7295% | 892 |
| Net interest margin | 3.8226% | 2,346 |
| Noninterest income to average assets | 0.1461% | 5,219 |
| Noninterest expense to average assets | 3.2352% | 1,539 |
| Loan and lease loss provision to assets | 0.1048% | 2,137 |
| Net operating income to assets | 0.2834% | 4,961 |
| Return on assets (ROA) | 0.2827% | 4,978 |
| Pretax return on assets | 0.2827% | 5,223 |
| Return on Equity (ROE) | 2.9256% | 4,847 |
| Retained earnings to average equity (ytd only) | 2.9256% | 3,553 |
| Net charge-offs to loans | 0.3094% | 822 |
| Credit loss provision to net charge-offs | 48.7973% | 3,342 |
| Earnings coverage of net charge-offs (x) | 1.8076% | 3,850 |
| Efficiency ratio | 89.2850% | 461 |
| Assets per employee ($millions) | 3.4923% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,571 |
| Loan loss allowance to noncurrent loans | 233.1787% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 1,224 |
| Noncurrent loans to loans | 0.4539% | 3,149 |
| Net loans and leases to total assets | 68.9753% | 2,691 |
| Net loans and leases to deposits | 76.5133% | 3,278 |
| Net loans and leases to core deposits | 79.4565% | 3,460 |
| Total domestic deposits to total assets | 90.1482% | 519 |
| Equity capital to assets | 9.7057% | 4,027 |
| Core capital (leverage) ratio | 10.5762% | 2,768 |
| Tier 1 risk-based capital ratio | 15.3214% | 2,691 |
| Total risk-based capital ratio | 16.4197% | 2,697 |
| Memoranda: | ||
| Average total assets | $135,480,200 | 3,673 |
| Average earning assets | $123,241,200 | 3,697 |
| Average equity | $13,091,200 | 3,970 |
| Average total loans | $94,048,200 | 3,450 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 1,638 |
| Cost of funding earning assets | 0.7044% | 943 |
| Net interest margin | 3.7960% | 2,416 |
| Noninterest income to average assets | 0.3183% | 4,259 |
| Noninterest expense to average assets | 3.2884% | 1,378 |
| Loan and lease loss provision to assets | 0.0690% | 2,695 |
| Net operating income to assets | 0.4178% | 4,962 |
| Return on assets (ROA) | 0.4168% | 4,993 |
| Pretax return on assets | 0.4168% | 5,163 |
| Return on Equity (ROE) | 4.3187% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.3187% | 3,337 |
| Net charge-offs to loans | 0.4320% | 486 |
| Credit loss provision to net charge-offs | 23.0263% | 3,140 |
| Earnings coverage of net charge-offs (x) | 1.6250% | 3,559 |
| Efficiency ratio | 87.1052% | 568 |
| Assets per employee ($millions) | 3.3500% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 4,132 |
| Loan loss allowance to noncurrent loans | 153.0782% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6571% | 876 |
| Noncurrent loans to loans | 0.6450% | 2,781 |
| Net loans and leases to total assets | 70.6164% | 2,472 |
| Net loans and leases to deposits | 79.5374% | 3,012 |
| Net loans and leases to core deposits | 83.2207% | 3,198 |
| Total domestic deposits to total assets | 88.7839% | 982 |
| Equity capital to assets | 10.4086% | 3,467 |
| Core capital (leverage) ratio | 10.7546% | 2,700 |
| Tier 1 risk-based capital ratio | 16.1666% | 2,430 |
| Total risk-based capital ratio | 17.2246% | 2,455 |
| Memoranda: | ||
| Average total assets | $135,300,750 | 3,711 |
| Average earning assets | $123,215,500 | 3,725 |
| Average equity | $13,059,250 | 4,018 |
| Average total loans | $93,823,250 | 3,486 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 1,617 |
| Cost of funding earning assets | 0.6849% | 965 |
| Net interest margin | 3.7774% | 2,372 |
| Noninterest income to average assets | 0.3347% | 4,151 |
| Noninterest expense to average assets | 3.2006% | 1,580 |
| Loan and lease loss provision to assets | 0.0731% | 2,508 |
| Net operating income to assets | 0.4867% | 4,740 |
| Return on assets (ROA) | 0.4852% | 4,781 |
| Pretax return on assets | 0.4852% | 5,030 |
| Return on Equity (ROE) | 5.1555% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.1555% | 2,608 |
| Net charge-offs to loans | 0.6423% | 303 |
| Credit loss provision to net charge-offs | 16.5563% | 2,810 |
| Earnings coverage of net charge-offs (x) | 1.2682% | 3,303 |
| Efficiency ratio | 85.1147% | 750 |
| Assets per employee ($millions) | 3.0742% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 4,324 |
| Loan loss allowance to noncurrent loans | 107.3810% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 2.0788% | 596 |
| Noncurrent loans to loans | 0.9035% | 2,172 |
| Net loans and leases to total assets | 69.6502% | 2,575 |
| Net loans and leases to deposits | 77.7261% | 3,145 |
| Net loans and leases to core deposits | 81.1100% | 3,336 |
| Total domestic deposits to total assets | 89.6098% | 678 |
| Equity capital to assets | 10.1451% | 3,747 |
| Core capital (leverage) ratio | 10.4955% | 2,919 |
| Tier 1 risk-based capital ratio | 15.9156% | 2,538 |
| Total risk-based capital ratio | 16.9433% | 2,559 |
| Memoranda: | ||
| Average total assets | $136,850,670 | 3,710 |
| Average earning assets | $124,108,000 | 3,737 |
| Average equity | $12,879,330 | 4,053 |
| Average total loans | $94,037,330 | 3,498 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4371% | 1,537 |
| Cost of funding earning assets | 0.6870% | 897 |
| Net interest margin | 3.7500% | 2,309 |
| Noninterest income to average assets | 0.2874% | 4,497 |
| Noninterest expense to average assets | 3.0752% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6007% | 4,161 |
| Return on assets (ROA) | 0.6007% | 4,212 |
| Pretax return on assets | 0.6007% | 4,731 |
| Return on Equity (ROE) | 6.6278% | 3,592 |
| Retained earnings to average equity (ytd only) | 6.6278% | 2,011 |
| Net charge-offs to loans | 0.4187% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.1111% | 2,640 |
| Efficiency ratio | 83.6591% | 1,001 |
| Assets per employee ($millions) | 3.2335% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 3,395 |
| Loan loss allowance to noncurrent loans | 81.2789% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 2.1792% | 577 |
| Noncurrent loans to loans | 1.4190% | 1,424 |
| Net loans and leases to total assets | 65.0300% | 3,115 |
| Net loans and leases to deposits | 71.8137% | 3,624 |
| Net loans and leases to core deposits | 74.9285% | 3,745 |
| Total domestic deposits to total assets | 90.5537% | 451 |
| Equity capital to assets | 9.2298% | 4,587 |
| Core capital (leverage) ratio | 9.8831% | 3,645 |
| Tier 1 risk-based capital ratio | 15.9332% | 2,579 |
| Total risk-based capital ratio | 17.1473% | 2,542 |
| Memoranda: | ||
| Average total assets | $139,180,000 | 3,707 |
| Average earning assets | $125,759,000 | 3,740 |
| Average equity | $12,613,500 | 4,119 |
| Average total loans | $94,569,000 | 3,508 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 1,445 |
| Cost of funding earning assets | 0.6427% | 1,089 |
| Net interest margin | 3.8892% | 1,998 |
| Noninterest income to average assets | 0.3514% | 4,218 |
| Noninterest expense to average assets | 3.3480% | 1,474 |
| Loan and lease loss provision to assets | 0.0311% | 3,734 |
| Net operating income to assets | 0.5409% | 4,474 |
| Return on assets (ROA) | 0.6378% | 4,164 |
| Pretax return on assets | 0.6378% | 4,685 |
| Return on Equity (ROE) | 6.4224% | 3,779 |
| Retained earnings to average equity (ytd only) | -1.1623% | 5,464 |
| Net charge-offs to loans | 0.8738% | 221 |
| Credit loss provision to net charge-offs | 5.3846% | 3,764 |
| Earnings coverage of net charge-offs (x) | 0.9910% | 4,055 |
| Efficiency ratio | 85.4096% | 867 |
| Assets per employee ($millions) | 3.2400% | 5,111 |
| Cash dividends to net income (ytd only)* | 118.0974% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,232 |
| Loan loss allowance to noncurrent loans | 74.0218% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 2.6170% | 441 |
| Noncurrent loans to loans | 1.5963% | 1,236 |
| Net loans and leases to total assets | 69.2731% | 2,587 |
| Net loans and leases to deposits | 76.2260% | 3,298 |
| Net loans and leases to core deposits | 79.6724% | 3,424 |
| Total domestic deposits to total assets | 90.8786% | 318 |
| Equity capital to assets | 8.8960% | 4,917 |
| Core capital (leverage) ratio | 9.7132% | 3,837 |
| Tier 1 risk-based capital ratio | 14.3944% | 3,241 |
| Total risk-based capital ratio | 15.6126% | 3,183 |
| Memoranda: | ||
| Average total assets | $135,154,400 | 3,750 |
| Average earning assets | $124,010,600 | 3,750 |
| Average equity | $13,421,800 | 4,040 |
| Average total loans | $89,262,400 | 3,587 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4605% | 1,664 |
| Cost of funding earning assets | 0.6240% | 1,178 |
| Net interest margin | 3.8366% | 2,203 |
| Noninterest income to average assets | 0.4494% | 3,560 |
| Noninterest expense to average assets | 3.4189% | 1,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5637% | 4,444 |
| Return on assets (ROA) | 0.6800% | 4,088 |
| Pretax return on assets | 0.6800% | 4,666 |
| Return on Equity (ROE) | 6.6671% | 3,744 |
| Retained earnings to average equity (ytd only) | -0.9162% | 5,484 |
| Net charge-offs to loans | 1.1809% | 133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.7345% | 3,767 |
| Efficiency ratio | 85.8462% | 834 |
| Assets per employee ($millions) | 3.2748% | 5,076 |
| Cash dividends to net income (ytd only)* | 113.7426% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 3,094 |
| Loan loss allowance to noncurrent loans | 74.6169% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.7831% | 452 |
| Noncurrent loans to loans | 1.6415% | 1,301 |
| Net loans and leases to total assets | 64.1426% | 3,382 |
| Net loans and leases to deposits | 72.4659% | 3,757 |
| Net loans and leases to core deposits | 75.7896% | 3,861 |
| Total domestic deposits to total assets | 88.5141% | 1,152 |
| Equity capital to assets | 9.8739% | 4,273 |
| Core capital (leverage) ratio | 9.8254% | 3,781 |
| Tier 1 risk-based capital ratio | 15.0681% | 3,020 |
| Total risk-based capital ratio | 16.3000% | 2,963 |
| Memoranda: | ||
| Average total assets | $134,112,750 | 3,790 |
| Average earning assets | $123,509,750 | 3,788 |
| Average equity | $13,678,750 | 4,026 |
| Average total loans | $87,161,500 | 3,653 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 1,586 |
| Cost of funding earning assets | 0.5955% | 1,350 |
| Net interest margin | 3.8808% | 2,045 |
| Noninterest income to average assets | 0.4580% | 3,469 |
| Noninterest expense to average assets | 3.5154% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5202% | 4,600 |
| Return on assets (ROA) | 0.6233% | 4,303 |
| Pretax return on assets | 0.6233% | 4,832 |
| Return on Equity (ROE) | 6.0425% | 4,030 |
| Retained earnings to average equity (ytd only) | -5.3956% | 5,766 |
| Net charge-offs to loans | 0.3523% | 667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.2715% | 3,298 |
| Efficiency ratio | 87.1101% | 780 |
| Assets per employee ($millions) | 2.9570% | 5,473 |
| Cash dividends to net income (ytd only)* | 189.2944% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9621% | 798 |
| Loan loss allowance to noncurrent loans | 129.2502% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 2.6112% | 510 |
| Noncurrent loans to loans | 1.5181% | 1,439 |
| Net loans and leases to total assets | 62.5926% | 3,554 |
| Net loans and leases to deposits | 69.7880% | 4,002 |
| Net loans and leases to core deposits | 73.3653% | 4,047 |
| Total domestic deposits to total assets | 89.6897% | 593 |
| Equity capital to assets | 9.8915% | 4,348 |
| Core capital (leverage) ratio | 9.8553% | 3,743 |
| Tier 1 risk-based capital ratio | 14.8321% | 3,149 |
| Total risk-based capital ratio | 16.0905% | 3,085 |
| Memoranda: | ||
| Average total assets | $131,878,330 | 3,848 |
| Average earning assets | $121,571,670 | 3,851 |
| Average equity | $13,603,670 | 4,056 |
| Average total loans | $85,734,330 | 3,700 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 1,448 |
| Cost of funding earning assets | 0.5453% | 1,751 |
| Net interest margin | 3.9760% | 1,687 |
| Noninterest income to average assets | 0.4582% | 3,428 |
| Noninterest expense to average assets | 3.5814% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5361% | 4,480 |
| Return on assets (ROA) | 0.5424% | 4,557 |
| Pretax return on assets | 0.5424% | 4,974 |
| Return on Equity (ROE) | 5.1434% | 4,422 |
| Retained earnings to average equity (ytd only) | -17.8540% | 5,944 |
| Net charge-offs to loans | 0.6933% | 308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.1781% | 2,854 |
| Efficiency ratio | 86.9796% | 891 |
| Assets per employee ($millions) | 2.8248% | 5,666 |
| Cash dividends to net income (ytd only)* | 447.1264% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0890% | 699 |
| Loan loss allowance to noncurrent loans | 109.3985% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 2.8690% | 458 |
| Noncurrent loans to loans | 1.9095% | 1,142 |
| Net loans and leases to total assets | 62.9786% | 3,389 |
| Net loans and leases to deposits | 70.3207% | 3,828 |
| Net loans and leases to core deposits | 75.2243% | 3,756 |
| Total domestic deposits to total assets | 89.5591% | 807 |
| Equity capital to assets | 10.2916% | 3,755 |
| Core capital (leverage) ratio | 10.3757% | 3,101 |
| Tier 1 risk-based capital ratio | 15.3706% | 2,984 |
| Total risk-based capital ratio | 16.6305% | 2,918 |
| Memoranda: | ||
| Average total assets | $128,328,500 | 3,944 |
| Average earning assets | $118,107,500 | 3,941 |
| Average equity | $13,532,000 | 4,072 |
| Average total loans | $84,236,000 | 3,749 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 1,314 |
| Cost of funding earning assets | 0.5456% | 1,803 |
| Net interest margin | 4.0617% | 1,519 |
| Noninterest income to average assets | 0.4167% | 3,913 |
| Noninterest expense to average assets | 3.2123% | 1,943 |
| Loan and lease loss provision to assets | 0.1508% | 1,564 |
| Net operating income to assets | 0.8379% | 3,168 |
| Return on assets (ROA) | 0.8478% | 3,192 |
| Pretax return on assets | 0.8478% | 4,033 |
| Return on Equity (ROE) | 8.4215% | 2,748 |
| Retained earnings to average equity (ytd only) | 6.7733% | 1,390 |
| Net charge-offs to loans | 0.8777% | 244 |
| Credit loss provision to net charge-offs | 25.8106% | 3,695 |
| Earnings coverage of net charge-offs (x) | 1.6926% | 4,048 |
| Efficiency ratio | 76.4653% | 2,198 |
| Assets per employee ($millions) | 2.6961% | 5,770 |
| Cash dividends to net income (ytd only)* | 19.5710% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2287% | 569 |
| Loan loss allowance to noncurrent loans | 121.5157% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 2.8110% | 499 |
| Noncurrent loans to loans | 1.8341% | 1,182 |
| Net loans and leases to total assets | 65.5000% | 3,052 |
| Net loans and leases to deposits | 73.5702% | 3,547 |
| Net loans and leases to core deposits | 80.8610% | 3,255 |
| Total domestic deposits to total assets | 89.0306% | 1,104 |
| Equity capital to assets | 10.8045% | 3,023 |
| Core capital (leverage) ratio | 10.6595% | 2,763 |
| Tier 1 risk-based capital ratio | 16.5000% | 2,480 |
| Total risk-based capital ratio | 17.7620% | 2,431 |
| Memoranda: | ||
| Average total assets | $131,992,400 | 3,848 |
| Average earning assets | $122,977,600 | 3,818 |
| Average equity | $13,287,400 | 4,078 |
| Average total loans | $87,848,200 | 3,634 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 1,331 |
| Cost of funding earning assets | 0.5448% | 1,846 |
| Net interest margin | 4.0537% | 1,547 |
| Noninterest income to average assets | 0.5691% | 2,921 |
| Noninterest expense to average assets | 3.2925% | 1,708 |
| Loan and lease loss provision to assets | 0.1990% | 1,013 |
| Net operating income to assets | 0.8581% | 3,131 |
| Return on assets (ROA) | 0.8711% | 3,165 |
| Pretax return on assets | 0.8711% | 4,088 |
| Return on Equity (ROE) | 8.8067% | 2,675 |
| Retained earnings to average equity (ytd only) | 7.3508% | 1,523 |
| Net charge-offs to loans | 1.1168% | 158 |
| Credit loss provision to net charge-offs | 26.8194% | 3,306 |
| Earnings coverage of net charge-offs (x) | 1.4245% | 3,841 |
| Efficiency ratio | 75.6956% | 2,285 |
| Assets per employee ($millions) | 3.1012% | 5,426 |
| Cash dividends to net income (ytd only)* | 16.5332% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2927% | 577 |
| Loan loss allowance to noncurrent loans | 150.3130% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 3.0633% | 483 |
| Noncurrent loans to loans | 1.5253% | 1,644 |
| Net loans and leases to total assets | 62.8540% | 3,472 |
| Net loans and leases to deposits | 70.4023% | 3,935 |
| Net loans and leases to core deposits | 77.2158% | 3,676 |
| Total domestic deposits to total assets | 89.2784% | 884 |
| Equity capital to assets | 10.4544% | 3,646 |
| Core capital (leverage) ratio | 10.4559% | 3,091 |
| Tier 1 risk-based capital ratio | 16.6724% | 2,492 |
| Total risk-based capital ratio | 17.9357% | 2,442 |
| Memoranda: | ||
| Average total assets | $133,311,500 | 3,876 |
| Average earning assets | $124,327,750 | 3,845 |
| Average equity | $13,186,500 | 4,145 |
| Average total loans | $88,587,500 | 3,651 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 1,212 |
| Cost of funding earning assets | 0.5460% | 1,856 |
| Net interest margin | 4.0852% | 1,388 |
| Noninterest income to average assets | 0.6149% | 2,656 |
| Noninterest expense to average assets | 3.2412% | 1,865 |
| Loan and lease loss provision to assets | 0.2963% | 528 |
| Net operating income to assets | 0.8874% | 2,953 |
| Return on assets (ROA) | 0.9067% | 2,964 |
| Pretax return on assets | 0.9067% | 3,933 |
| Return on Equity (ROE) | 9.3383% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.3383% | 823 |
| Net charge-offs to loans | 1.2419% | 147 |
| Credit loss provision to net charge-offs | 35.5357% | 2,867 |
| Earnings coverage of net charge-offs (x) | 1.4196% | 3,517 |
| Efficiency ratio | 73.2503% | 2,792 |
| Assets per employee ($millions) | 3.2379% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3272% | 615 |
| Loan loss allowance to noncurrent loans | 147.0629% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 3.0605% | 535 |
| Noncurrent loans to loans | 1.5825% | 1,663 |
| Net loans and leases to total assets | 66.4854% | 2,870 |
| Net loans and leases to deposits | 74.1293% | 3,477 |
| Net loans and leases to core deposits | 80.9617% | 3,285 |
| Total domestic deposits to total assets | 89.6884% | 790 |
| Equity capital to assets | 9.8377% | 4,237 |
| Core capital (leverage) ratio | 10.0160% | 3,570 |
| Tier 1 risk-based capital ratio | 15.0033% | 3,357 |
| Total risk-based capital ratio | 16.2670% | 3,281 |
| Memoranda: | ||
| Average total assets | $134,331,670 | 3,886 |
| Average earning assets | $125,282,330 | 3,857 |
| Average equity | $13,043,000 | 4,202 |
| Average total loans | $90,187,000 | 3,635 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 1,409 |
| Cost of funding earning assets | 0.5577% | 1,771 |
| Net interest margin | 3.9613% | 1,683 |
| Noninterest income to average assets | 0.5684% | 2,847 |
| Noninterest expense to average assets | 3.1971% | 1,993 |
| Loan and lease loss provision to assets | 0.1747% | 1,116 |
| Net operating income to assets | 0.8763% | 2,865 |
| Return on assets (ROA) | 0.9147% | 2,800 |
| Pretax return on assets | 0.9147% | 3,835 |
| Return on Equity (ROE) | 9.4825% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.4825% | 1,045 |
| Net charge-offs to loans | 2.2820% | 73 |
| Credit loss provision to net charge-offs | 11.4786% | 2,425 |
| Earnings coverage of net charge-offs (x) | 0.6907% | 3,020 |
| Efficiency ratio | 75.2613% | 2,617 |
| Assets per employee ($millions) | 3.1813% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2114% | 795 |
| Loan loss allowance to noncurrent loans | 116.1272% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 3.8477% | 400 |
| Noncurrent loans to loans | 1.9043% | 1,414 |
| Net loans and leases to total assets | 66.4878% | 2,696 |
| Net loans and leases to deposits | 74.7239% | 3,193 |
| Net loans and leases to core deposits | 82.9872% | 2,873 |
| Total domestic deposits to total assets | 88.9780% | 1,287 |
| Equity capital to assets | 9.9338% | 4,219 |
| Core capital (leverage) ratio | 9.8417% | 3,835 |
| Tier 1 risk-based capital ratio | 14.7116% | 3,600 |
| Total risk-based capital ratio | 15.9731% | 3,518 |
| Memoranda: | ||
| Average total assets | $135,120,500 | 3,902 |
| Average earning assets | $125,514,500 | 3,879 |
| Average equity | $13,034,500 | 4,225 |
| Average total loans | $90,098,000 | 3,646 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 819 |
| Cost of funding earning assets | 0.7194% | 1,011 |
| Net interest margin | 4.2523% | 1,161 |
| Noninterest income to average assets | 0.0886% | 6,196 |
| Noninterest expense to average assets | 3.0491% | 2,692 |
| Loan and lease loss provision to assets | 0.0826% | 2,828 |
| Net operating income to assets | 0.8945% | 2,903 |
| Return on assets (ROA) | 0.9005% | 2,959 |
| Pretax return on assets | 0.9005% | 3,899 |
| Return on Equity (ROE) | 10.1942% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.1942% | 485 |
| Net charge-offs to loans | 0.5438% | 747 |
| Credit loss provision to net charge-offs | 21.9561% | 3,953 |
| Earnings coverage of net charge-offs (x) | 2.5968% | 4,109 |
| Efficiency ratio | 75.7321% | 2,552 |
| Assets per employee ($millions) | 3.4157% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7577% | 392 |
| Loan loss allowance to noncurrent loans | 113.8106% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 4.1771% | 394 |
| Noncurrent loans to loans | 2.4231% | 1,065 |
| Net loans and leases to total assets | 63.5936% | 3,277 |
| Net loans and leases to deposits | 70.2927% | 3,869 |
| Net loans and leases to core deposits | 78.3611% | 3,480 |
| Total domestic deposits to total assets | 90.4697% | 552 |
| Equity capital to assets | 9.3656% | 4,891 |
| Core capital (leverage) ratio | 9.6830% | 3,997 |
| Tier 1 risk-based capital ratio | 14.4019% | 3,831 |
| Total risk-based capital ratio | 15.6709% | 3,759 |
| Memoranda: | ||
| Average total assets | $133,152,800 | 3,920 |
| Average earning assets | $123,297,000 | 3,897 |
| Average equity | $11,761,600 | 4,409 |
| Average total loans | $92,129,000 | 3,586 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 700 |
| Cost of funding earning assets | 0.7458% | 909 |
| Net interest margin | 4.3093% | 1,033 |
| Noninterest income to average assets | 0.0595% | 6,361 |
| Noninterest expense to average assets | 3.1164% | 2,419 |
| Loan and lease loss provision to assets | 0.1109% | 2,193 |
| Net operating income to assets | 0.8275% | 3,298 |
| Return on assets (ROA) | 0.8275% | 3,388 |
| Pretax return on assets | 0.8275% | 4,264 |
| Return on Equity (ROE) | 9.5161% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.5161% | 835 |
| Net charge-offs to loans | 0.7455% | 456 |
| Credit loss provision to net charge-offs | 21.1946% | 3,571 |
| Earnings coverage of net charge-offs (x) | 1.7938% | 4,074 |
| Efficiency ratio | 76.8581% | 2,365 |
| Assets per employee ($millions) | 3.0921% | 5,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7337% | 473 |
| Loan loss allowance to noncurrent loans | 89.6299% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 4.8927% | 360 |
| Noncurrent loans to loans | 3.0500% | 868 |
| Net loans and leases to total assets | 67.0147% | 2,685 |
| Net loans and leases to deposits | 74.2323% | 3,406 |
| Net loans and leases to core deposits | 83.4940% | 2,943 |
| Total domestic deposits to total assets | 90.2770% | 619 |
| Equity capital to assets | 9.3996% | 4,920 |
| Core capital (leverage) ratio | 9.3819% | 4,533 |
| Tier 1 risk-based capital ratio | 13.9415% | 4,257 |
| Total risk-based capital ratio | 15.2093% | 4,184 |
| Memoranda: | ||
| Average total assets | $132,284,250 | 3,965 |
| Average earning assets | $122,645,000 | 3,935 |
| Average equity | $11,503,000 | 4,486 |
| Average total loans | $92,823,750 | 3,606 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9924% | 763 |
| Cost of funding earning assets | 0.7548% | 902 |
| Net interest margin | 4.2376% | 1,158 |
| Noninterest income to average assets | 0.0466% | 6,452 |
| Noninterest expense to average assets | 3.0746% | 2,584 |
| Loan and lease loss provision to assets | 0.1653% | 1,481 |
| Net operating income to assets | 0.7213% | 3,725 |
| Return on assets (ROA) | 0.7213% | 3,823 |
| Pretax return on assets | 0.7213% | 4,569 |
| Return on Equity (ROE) | 8.5195% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.5195% | 1,140 |
| Net charge-offs to loans | 1.0560% | 323 |
| Credit loss provision to net charge-offs | 22.1774% | 3,174 |
| Earnings coverage of net charge-offs (x) | 1.1895% | 3,874 |
| Efficiency ratio | 77.6176% | 2,351 |
| Assets per employee ($millions) | 3.0557% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5989% | 612 |
| Loan loss allowance to noncurrent loans | 119.0453% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 4.6508% | 414 |
| Noncurrent loans to loans | 2.1831% | 1,505 |
| Net loans and leases to total assets | 68.8239% | 2,272 |
| Net loans and leases to deposits | 75.5921% | 3,111 |
| Net loans and leases to core deposits | 85.3374% | 2,577 |
| Total domestic deposits to total assets | 91.0464% | 402 |
| Equity capital to assets | 8.8175% | 5,505 |
| Core capital (leverage) ratio | 9.1194% | 4,853 |
| Tier 1 risk-based capital ratio | 12.6216% | 5,141 |
| Total risk-based capital ratio | 13.8874% | 5,070 |
| Memoranda: | ||
| Average total assets | $133,090,000 | 3,974 |
| Average earning assets | $122,948,000 | 3,954 |
| Average equity | $11,268,330 | 4,544 |
| Average total loans | $93,939,670 | 3,592 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 717 |
| Cost of funding earning assets | 0.7714% | 873 |
| Net interest margin | 4.2281% | 1,146 |
| Noninterest income to average assets | -0.1722% | 6,680 |
| Noninterest expense to average assets | 2.8185% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9002% | 2,649 |
| Return on assets (ROA) | 0.9002% | 2,716 |
| Pretax return on assets | 0.9002% | 3,695 |
| Return on Equity (ROE) | 10.8610% | 1,732 |
| Retained earnings to average equity (ytd only) | 10.8610% | 768 |
| Net charge-offs to loans | 1.1434% | 295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.1161% | 3,177 |
| Efficiency ratio | 75.7920% | 2,836 |
| Assets per employee ($millions) | 2.9902% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7721% | 564 |
| Loan loss allowance to noncurrent loans | 122.8870% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 5.3181% | 366 |
| Noncurrent loans to loans | 2.2558% | 1,600 |
| Net loans and leases to total assets | 68.9904% | 2,061 |
| Net loans and leases to deposits | 75.6618% | 2,848 |
| Net loans and leases to core deposits | 84.8667% | 2,429 |
| Total domestic deposits to total assets | 91.1826% | 494 |
| Equity capital to assets | 8.6229% | 5,525 |
| Core capital (leverage) ratio | 9.0450% | 4,942 |
| Tier 1 risk-based capital ratio | 12.0841% | 5,584 |
| Total risk-based capital ratio | 13.3507% | 5,506 |
| Memoranda: | ||
| Average total assets | $132,410,500 | 4,020 |
| Average earning assets | $121,852,000 | 4,003 |
| Average equity | $10,975,000 | 4,624 |
| Average total loans | $93,408,500 | 3,625 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1712% | 686 |
| Cost of funding earning assets | 0.9607% | 548 |
| Net interest margin | 4.2105% | 1,324 |
| Noninterest income to average assets | -0.7033% | 6,798 |
| Noninterest expense to average assets | 3.1708% | 2,511 |
| Loan and lease loss provision to assets | 0.5375% | 501 |
| Net operating income to assets | -0.5685% | 6,514 |
| Return on assets (ROA) | -0.6183% | 6,533 |
| Pretax return on assets | -0.6689% | 6,531 |
| Return on Equity (ROE) | -7.4141% | 6,546 |
| Retained earnings to average equity (ytd only) | -7.4141% | 6,482 |
| Net charge-offs to loans | 1.7230% | 248 |
| Credit loss provision to net charge-offs | 45.4545% | 3,927 |
| Earnings coverage of net charge-offs (x) | -0.0654% | 5,104 |
| Efficiency ratio | 102.4983% | 410 |
| Assets per employee ($millions) | 2.7761% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0548% | 441 |
| Loan loss allowance to noncurrent loans | 135.0520% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 5.4326% | 404 |
| Noncurrent loans to loans | 2.2620% | 1,714 |
| Net loans and leases to total assets | 67.9945% | 2,360 |
| Net loans and leases to deposits | 74.0120% | 3,249 |
| Net loans and leases to core deposits | 84.4753% | 2,623 |
| Total domestic deposits to total assets | 91.8695% | 310 |
| Equity capital to assets | 7.9586% | 6,051 |
| Core capital (leverage) ratio | 8.6026% | 5,540 |
| Tier 1 risk-based capital ratio | 11.4238% | 5,948 |
| Total risk-based capital ratio | 12.6928% | 5,875 |
| Memoranda: | ||
| Average total assets | $142,331,800 | 3,840 |
| Average earning assets | $128,346,000 | 3,881 |
| Average equity | $11,869,200 | 4,466 |
| Average total loans | $97,678,000 | 3,514 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1822% | 679 |
| Cost of funding earning assets | 0.9869% | 526 |
| Net interest margin | 4.1952% | 1,349 |
| Noninterest income to average assets | -0.4435% | 6,866 |
| Noninterest expense to average assets | 3.1921% | 2,392 |
| Loan and lease loss provision to assets | 0.4149% | 716 |
| Net operating income to assets | -0.2311% | 6,485 |
| Return on assets (ROA) | -0.2886% | 6,533 |
| Pretax return on assets | -0.3550% | 6,545 |
| Return on Equity (ROE) | -3.4248% | 6,542 |
| Retained earnings to average equity (ytd only) | -3.4248% | 6,388 |
| Net charge-offs to loans | 1.3896% | 368 |
| Credit loss provision to net charge-offs | 43.7318% | 3,639 |
| Earnings coverage of net charge-offs (x) | 0.1380% | 4,819 |
| Efficiency ratio | 96.0599% | 618 |
| Assets per employee ($millions) | 2.9287% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3995% | 372 |
| Loan loss allowance to noncurrent loans | 106.7870% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 6.1499% | 379 |
| Noncurrent loans to loans | 3.1834% | 1,237 |
| Net loans and leases to total assets | 67.3711% | 2,402 |
| Net loans and leases to deposits | 73.7738% | 3,267 |
| Net loans and leases to core deposits | 85.5219% | 2,465 |
| Total domestic deposits to total assets | 91.3211% | 410 |
| Equity capital to assets | 8.5163% | 5,719 |
| Core capital (leverage) ratio | 9.0515% | 5,047 |
| Tier 1 risk-based capital ratio | 11.8772% | 5,857 |
| Total risk-based capital ratio | 13.1501% | 5,783 |
| Memoranda: | ||
| Average total assets | $144,601,750 | 3,832 |
| Average earning assets | $129,826,750 | 3,887 |
| Average equity | $12,185,250 | 4,464 |
| Average total loans | $98,732,750 | 3,510 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2100% | 628 |
| Cost of funding earning assets | 1.0172% | 501 |
| Net interest margin | 4.1928% | 1,297 |
| Noninterest income to average assets | -0.7559% | 6,922 |
| Noninterest expense to average assets | 3.1022% | 2,655 |
| Loan and lease loss provision to assets | 0.5409% | 494 |
| Net operating income to assets | -0.5628% | 6,657 |
| Return on assets (ROA) | -0.6058% | 6,680 |
| Pretax return on assets | -0.7032% | 6,687 |
| Return on Equity (ROE) | -7.2126% | 6,694 |
| Retained earnings to average equity (ytd only) | -7.2126% | 6,581 |
| Net charge-offs to loans | 1.2001% | 482 |
| Credit loss provision to net charge-offs | 66.4452% | 2,904 |
| Earnings coverage of net charge-offs (x) | -0.1379% | 4,596 |
| Efficiency ratio | 103.7540% | 387 |
| Assets per employee ($millions) | 2.7686% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7114% | 315 |
| Loan loss allowance to noncurrent loans | 78.9869% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 7.5194% | 298 |
| Noncurrent loans to loans | 4.6988% | 721 |
| Net loans and leases to total assets | 66.9267% | 2,428 |
| Net loans and leases to deposits | 73.1050% | 3,280 |
| Net loans and leases to core deposits | 83.9626% | 2,567 |
| Total domestic deposits to total assets | 91.5487% | 361 |
| Equity capital to assets | 8.2808% | 5,987 |
| Core capital (leverage) ratio | 8.2757% | 5,913 |
| Tier 1 risk-based capital ratio | 11.2189% | 6,234 |
| Total risk-based capital ratio | 12.4939% | 6,190 |
| Memoranda: | ||
| Average total assets | $147,896,330 | 3,807 |
| Average earning assets | $132,130,330 | 3,865 |
| Average equity | $12,422,670 | 4,438 |
| Average total loans | $100,325,330 | 3,480 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2883% | 525 |
| Cost of funding earning assets | 1.0393% | 496 |
| Net interest margin | 4.2489% | 1,077 |
| Noninterest income to average assets | 0.2542% | 5,639 |
| Noninterest expense to average assets | 3.0898% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9356% | 2,493 |
| Return on assets (ROA) | 0.9304% | 2,661 |
| Pretax return on assets | 0.9304% | 3,650 |
| Return on Equity (ROE) | 11.0056% | 1,705 |
| Retained earnings to average equity (ytd only) | 11.0056% | 875 |
| Net charge-offs to loans | 0.8127% | 744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.7163% | 3,263 |
| Efficiency ratio | 76.7578% | 2,802 |
| Assets per employee ($millions) | 2.8677% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5897% | 390 |
| Loan loss allowance to noncurrent loans | 76.4529% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 7.6537% | 342 |
| Noncurrent loans to loans | 4.6953% | 853 |
| Net loans and leases to total assets | 64.2096% | 2,665 |
| Net loans and leases to deposits | 70.5305% | 3,390 |
| Net loans and leases to core deposits | 79.1051% | 2,915 |
| Total domestic deposits to total assets | 91.0380% | 508 |
| Equity capital to assets | 8.7588% | 5,750 |
| Core capital (leverage) ratio | 8.4823% | 5,622 |
| Tier 1 risk-based capital ratio | 10.9991% | 6,404 |
| Total risk-based capital ratio | 12.2709% | 6,371 |
| Memoranda: | ||
| Average total assets | $152,630,000 | 3,764 |
| Average earning assets | $135,469,500 | 3,837 |
| Average equity | $12,902,500 | 4,401 |
| Average total loans | $102,379,500 | 3,453 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9729% | 1,633 |
| Cost of funding earning assets | 1.3896% | 262 |
| Net interest margin | 3.5833% | 4,169 |
| Noninterest income to average assets | -0.1688% | 6,943 |
| Noninterest expense to average assets | 3.3560% | 2,167 |
| Loan and lease loss provision to assets | 4.2045% | 14 |
| Net operating income to assets | -4.7990% | 7,053 |
| Return on assets (ROA) | -4.7085% | 7,053 |
| Pretax return on assets | -4.4328% | 7,050 |
| Return on Equity (ROE) | -93.2958% | 7,067 |
| Retained earnings to average equity (ytd only) | -93.2958% | 7,067 |
| Net charge-offs to loans | 4.5067% | 49 |
| Credit loss provision to net charge-offs | 136.2604% | 2,032 |
| Earnings coverage of net charge-offs (x) | -0.1033% | 5,539 |
| Efficiency ratio | 110.4980% | 325 |
| Assets per employee ($millions) | 2.8915% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5781% | 402 |
| Loan loss allowance to noncurrent loans | 75.0846% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 7.5201% | 396 |
| Noncurrent loans to loans | 4.7655% | 864 |
| Net loans and leases to total assets | 65.1157% | 2,692 |
| Net loans and leases to deposits | 71.0558% | 3,553 |
| Net loans and leases to core deposits | 79.6292% | 3,059 |
| Total domestic deposits to total assets | 91.6403% | 310 |
| Equity capital to assets | 8.1618% | 6,312 |
| Core capital (leverage) ratio | 7.6875% | 6,412 |
| Tier 1 risk-based capital ratio | 11.3460% | 6,190 |
| Total risk-based capital ratio | 12.6230% | 6,151 |
| Memoranda: | ||
| Average total assets | $171,245,200 | 3,436 |
| Average earning assets | $153,211,000 | 3,495 |
| Average equity | $8,642,400 | 5,320 |
| Average total loans | $117,246,800 | 3,139 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 1,864 |
| Cost of funding earning assets | 1.4644% | 235 |
| Net interest margin | 3.4752% | 4,732 |
| Noninterest income to average assets | 0.1981% | 6,110 |
| Noninterest expense to average assets | 3.3938% | 2,018 |
| Loan and lease loss provision to assets | 4.3079% | 14 |
| Net operating income to assets | -4.6980% | 7,158 |
| Return on assets (ROA) | -4.5692% | 7,158 |
| Pretax return on assets | -4.2600% | 7,149 |
| Return on Equity (ROE) | -104.9905% | 7,164 |
| Retained earnings to average equity (ytd only) | -104.9905% | 7,164 |
| Net charge-offs to loans | 4.8275% | 44 |
| Credit loss provision to net charge-offs | 129.9403% | 2,222 |
| Earnings coverage of net charge-offs (x) | -0.0244% | 5,341 |
| Efficiency ratio | 102.4373% | 463 |
| Assets per employee ($millions) | 3.1114% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9034% | 798 |
| Loan loss allowance to noncurrent loans | 52.7634% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 8.1881% | 370 |
| Noncurrent loans to loans | 5.5027% | 782 |
| Net loans and leases to total assets | 62.8987% | 3,223 |
| Net loans and leases to deposits | 69.2339% | 3,996 |
| Net loans and leases to core deposits | 77.2545% | 3,577 |
| Total domestic deposits to total assets | 90.8495% | 453 |
| Equity capital to assets | 8.9053% | 5,915 |
| Core capital (leverage) ratio | 8.9035% | 5,193 |
| Tier 1 risk-based capital ratio | 12.7174% | 5,465 |
| Total risk-based capital ratio | 13.9858% | 5,414 |
| Memoranda: | ||
| Average total assets | $175,021,000 | 3,416 |
| Average earning assets | $156,877,500 | 3,468 |
| Average equity | $7,617,000 | 5,665 |
| Average total loans | $120,197,000 | 3,109 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 2,195 |
| Cost of funding earning assets | 1.4645% | 272 |
| Net interest margin | 3.4142% | 5,027 |
| Noninterest income to average assets | 0.2131% | 6,043 |
| Noninterest expense to average assets | 3.4890% | 1,808 |
| Loan and lease loss provision to assets | 6.3770% | 9 |
| Net operating income to assets | -7.0705% | 7,232 |
| Return on assets (ROA) | -6.9408% | 7,231 |
| Pretax return on assets | -6.4446% | 7,226 |
| Return on Equity (ROE) | -238.1657% | 7,234 |
| Retained earnings to average equity (ytd only) | -238.1657% | 7,234 |
| Net charge-offs to loans | 3.6392% | 138 |
| Credit loss provision to net charge-offs | 250.6649% | 1,146 |
| Earnings coverage of net charge-offs (x) | -0.0776% | 5,121 |
| Efficiency ratio | 105.9952% | 397 |
| Assets per employee ($millions) | 3.0469% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4384% | 243 |
| Loan loss allowance to noncurrent loans | 44.1347% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 10.5719% | 233 |
| Noncurrent loans to loans | 10.0566% | 265 |
| Net loans and leases to total assets | 68.7797% | 2,143 |
| Net loans and leases to deposits | 72.5117% | 3,533 |
| Net loans and leases to core deposits | 80.3431% | 3,170 |
| Total domestic deposits to total assets | 94.8532% | 56 |
| Equity capital to assets | 1.8392% | 7,227 |
| Core capital (leverage) ratio | 1.5651% | 7,229 |
| Tier 1 risk-based capital ratio | 2.3141% | 7,229 |
| Total risk-based capital ratio | 3.6033% | 7,229 |
| Memoranda: | ||
| Average total assets | $177,357,000 | 3,404 |
| Average earning assets | $159,919,670 | 3,430 |
| Average equity | $5,168,670 | 6,344 |
| Average total loans | $123,983,330 | 3,049 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 1,725 |
| Cost of funding earning assets | 1.5131% | 272 |
| Net interest margin | 3.5354% | 4,542 |
| Noninterest income to average assets | 0.1502% | 6,491 |
| Noninterest expense to average assets | 3.9419% | 1,003 |
| Loan and lease loss provision to assets | 11.0029% | 6 |
| Net operating income to assets | -12.5483% | 7,303 |
| Return on assets (ROA) | -12.3546% | 7,303 |
| Pretax return on assets | -11.3969% | 7,302 |
| Return on Equity (ROE) | -363.8462% | 7,300 |
| Retained earnings to average equity (ytd only) | -363.8462% | 7,300 |
| Net charge-offs to loans | 3.2848% | 206 |
| Credit loss provision to net charge-offs | 485.5908% | 666 |
| Earnings coverage of net charge-offs (x) | -0.2594% | 4,457 |
| Efficiency ratio | 117.5211% | 248 |
| Assets per employee ($millions) | 3.2492% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7759% | 206 |
| Loan loss allowance to noncurrent loans | 48.2297% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 9.2928% | 360 |
| Noncurrent loans to loans | 9.9025% | 313 |
| Net loans and leases to total assets | 65.5024% | 2,559 |
| Net loans and leases to deposits | 68.9112% | 3,893 |
| Net loans and leases to core deposits | 80.6829% | 2,985 |
| Total domestic deposits to total assets | 95.0534% | 59 |
| Equity capital to assets | 1.8852% | 7,287 |
| Core capital (leverage) ratio | 1.7361% | 7,290 |
| Tier 1 risk-based capital ratio | 2.5793% | 7,290 |
| Total risk-based capital ratio | 3.8722% | 7,288 |
| Memoranda: | ||
| Average total assets | $183,770,000 | 3,324 |
| Average earning assets | $166,545,500 | 3,341 |
| Average equity | $6,240,000 | 6,086 |
| Average total loans | $126,765,000 | 3,007 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3678% | 1,503 |
| Cost of funding earning assets | 1.6994% | 324 |
| Net interest margin | 3.6684% | 4,441 |
| Noninterest income to average assets | -0.2159% | 7,165 |
| Noninterest expense to average assets | 3.0370% | 3,457 |
| Loan and lease loss provision to assets | 0.9910% | 957 |
| Net operating income to assets | -0.8236% | 6,668 |
| Return on assets (ROA) | -1.0838% | 6,802 |
| Pretax return on assets | -1.1642% | 6,800 |
| Return on Equity (ROE) | -21.9122% | 7,007 |
| Retained earnings to average equity (ytd only) | -21.9122% | 6,993 |
| Net charge-offs to loans | 3.1358% | 287 |
| Credit loss provision to net charge-offs | 44.5448% | 5,543 |
| Earnings coverage of net charge-offs (x) | 0.0479% | 5,786 |
| Efficiency ratio | 96.6066% | 790 |
| Assets per employee ($millions) | 3.4969% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 4,365 |
| Loan loss allowance to noncurrent loans | 15.5021% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 8.3111% | 463 |
| Noncurrent loans to loans | 9.1722% | 380 |
| Net loans and leases to total assets | 68.1791% | 2,356 |
| Net loans and leases to deposits | 73.8817% | 3,521 |
| Net loans and leases to core deposits | 90.0963% | 2,120 |
| Total domestic deposits to total assets | 92.2815% | 201 |
| Equity capital to assets | 4.8249% | 7,178 |
| Core capital (leverage) ratio | 4.6270% | 7,173 |
| Tier 1 risk-based capital ratio | 6.5495% | 7,181 |
| Total risk-based capital ratio | 7.8010% | 7,181 |
| Memoranda: | ||
| Average total assets | $194,038,200 | 3,129 |
| Average earning assets | $177,707,800 | 3,118 |
| Average equity | $9,597,400 | 5,124 |
| Average total loans | $137,667,200 | 2,841 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4319% | 1,427 |
| Cost of funding earning assets | 1.7273% | 353 |
| Net interest margin | 3.7046% | 4,311 |
| Noninterest income to average assets | -0.3563% | 7,317 |
| Noninterest expense to average assets | 2.8149% | 4,287 |
| Loan and lease loss provision to assets | 1.3126% | 568 |
| Net operating income to assets | -1.0169% | 6,891 |
| Return on assets (ROA) | -1.3603% | 7,024 |
| Pretax return on assets | -1.4552% | 7,006 |
| Return on Equity (ROE) | -27.3410% | 7,181 |
| Retained earnings to average equity (ytd only) | -27.3410% | 7,172 |
| Net charge-offs to loans | 3.6882% | 196 |
| Credit loss provision to net charge-offs | 49.8574% | 5,041 |
| Earnings coverage of net charge-offs (x) | 0.0861% | 5,539 |
| Efficiency ratio | 92.5494% | 993 |
| Assets per employee ($millions) | 3.7506% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 3,146 |
| Loan loss allowance to noncurrent loans | 17.8988% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 8.4837% | 493 |
| Noncurrent loans to loans | 9.7006% | 367 |
| Net loans and leases to total assets | 67.2343% | 2,631 |
| Net loans and leases to deposits | 72.7424% | 3,842 |
| Net loans and leases to core deposits | 90.9917% | 2,118 |
| Total domestic deposits to total assets | 92.4279% | 166 |
| Equity capital to assets | 4.7525% | 7,279 |
| Core capital (leverage) ratio | 4.5760% | 7,270 |
| Tier 1 risk-based capital ratio | 6.4971% | 7,273 |
| Total risk-based capital ratio | 7.7522% | 7,273 |
| Memoranda: | ||
| Average total assets | $195,339,750 | 3,127 |
| Average earning assets | $179,161,000 | 3,123 |
| Average equity | $9,719,000 | 5,119 |
| Average total loans | $139,433,750 | 2,822 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5044% | 1,290 |
| Cost of funding earning assets | 1.7504% | 385 |
| Net interest margin | 3.7540% | 4,015 |
| Noninterest income to average assets | -0.4124% | 7,416 |
| Noninterest expense to average assets | 2.8663% | 4,161 |
| Loan and lease loss provision to assets | 0.7163% | 1,312 |
| Net operating income to assets | -0.5167% | 6,703 |
| Return on assets (ROA) | -1.0591% | 6,972 |
| Pretax return on assets | -1.1328% | 6,942 |
| Return on Equity (ROE) | -20.9748% | 7,160 |
| Retained earnings to average equity (ytd only) | -20.9748% | 7,146 |
| Net charge-offs to loans | 1.4919% | 997 |
| Credit loss provision to net charge-offs | 66.3507% | 4,162 |
| Earnings coverage of net charge-offs (x) | 0.1545% | 5,185 |
| Efficiency ratio | 94.5007% | 945 |
| Assets per employee ($millions) | 3.8021% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8405% | 1,040 |
| Loan loss allowance to noncurrent loans | 29.6296% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 8.5504% | 509 |
| Noncurrent loans to loans | 9.5868% | 412 |
| Net loans and leases to total assets | 67.4026% | 2,735 |
| Net loans and leases to deposits | 73.0654% | 3,943 |
| Net loans and leases to core deposits | 89.8136% | 2,397 |
| Total domestic deposits to total assets | 92.2497% | 192 |
| Equity capital to assets | 4.9937% | 7,323 |
| Core capital (leverage) ratio | 5.1121% | 7,292 |
| Tier 1 risk-based capital ratio | 7.1338% | 7,305 |
| Total risk-based capital ratio | 8.4030% | 7,306 |
| Memoranda: | ||
| Average total assets | $195,442,000 | 3,145 |
| Average earning assets | $179,382,670 | 3,145 |
| Average equity | $9,869,000 | 5,083 |
| Average total loans | $141,429,670 | 2,817 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3427% | 1,744 |
| Cost of funding earning assets | 1.8026% | 373 |
| Net interest margin | 3.5401% | 4,853 |
| Noninterest income to average assets | 0.1709% | 6,500 |
| Noninterest expense to average assets | 3.1373% | 3,117 |
| Loan and lease loss provision to assets | 1.4410% | 452 |
| Net operating income to assets | -1.1168% | 7,074 |
| Return on assets (ROA) | -2.2809% | 7,317 |
| Pretax return on assets | -2.3571% | 7,304 |
| Return on Equity (ROE) | -44.9174% | 7,391 |
| Retained earnings to average equity (ytd only) | -44.9174% | 7,377 |
| Net charge-offs to loans | 1.7999% | 722 |
| Credit loss provision to net charge-offs | 108.3591% | 2,462 |
| Earnings coverage of net charge-offs (x) | 0.2136% | 4,453 |
| Efficiency ratio | 91.6968% | 1,184 |
| Assets per employee ($millions) | 3.7417% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0434% | 876 |
| Loan loss allowance to noncurrent loans | 32.1917% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 9.1229% | 472 |
| Noncurrent loans to loans | 9.4540% | 446 |
| Net loans and leases to total assets | 70.4897% | 2,037 |
| Net loans and leases to deposits | 76.3100% | 3,368 |
| Net loans and leases to core deposits | 94.9766% | 1,772 |
| Total domestic deposits to total assets | 92.3728% | 194 |
| Equity capital to assets | 4.8153% | 7,386 |
| Core capital (leverage) ratio | 5.0412% | 7,360 |
| Tier 1 risk-based capital ratio | 6.9157% | 7,373 |
| Total risk-based capital ratio | 8.1874% | 7,376 |
| Memoranda: | ||
| Average total assets | $194,308,500 | 3,186 |
| Average earning assets | $178,412,500 | 3,180 |
| Average equity | $9,867,000 | 5,072 |
| Average total loans | $143,566,000 | 2,812 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8448% | 1,161 |
| Cost of funding earning assets | 2.2180% | 293 |
| Net interest margin | 3.6267% | 4,688 |
| Noninterest income to average assets | 0.1310% | 6,739 |
| Noninterest expense to average assets | 2.5098% | 5,757 |
| Loan and lease loss provision to assets | 1.8234% | 758 |
| Net operating income to assets | -0.7977% | 6,575 |
| Return on assets (ROA) | -0.6105% | 6,486 |
| Pretax return on assets | -0.6530% | 6,430 |
| Return on Equity (ROE) | -10.2207% | 6,737 |
| Retained earnings to average equity (ytd only) | -10.2207% | 6,671 |
| Net charge-offs to loans | 2.0757% | 967 |
| Credit loss provision to net charge-offs | 113.5433% | 3,832 |
| Earnings coverage of net charge-offs (x) | 0.6035% | 5,500 |
| Efficiency ratio | 72.1431% | 3,768 |
| Assets per employee ($millions) | 3.6613% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9181% | 935 |
| Loan loss allowance to noncurrent loans | 31.4121% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 8.2463% | 587 |
| Noncurrent loans to loans | 9.2897% | 484 |
| Net loans and leases to total assets | 72.8814% | 1,905 |
| Net loans and leases to deposits | 79.3477% | 3,282 |
| Net loans and leases to core deposits | 100.3690% | 1,586 |
| Total domestic deposits to total assets | 91.8506% | 308 |
| Equity capital to assets | 5.3414% | 7,409 |
| Core capital (leverage) ratio | 5.4878% | 7,367 |
| Tier 1 risk-based capital ratio | 7.6439% | 7,378 |
| Total risk-based capital ratio | 8.9148% | 7,378 |
| Memoranda: | ||
| Average total assets | $197,706,800 | 3,130 |
| Average earning assets | $182,505,000 | 3,097 |
| Average equity | $11,809,400 | 4,667 |
| Average total loans | $152,958,800 | 2,725 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9349% | 1,064 |
| Cost of funding earning assets | 2.2748% | 300 |
| Net interest margin | 3.6601% | 4,594 |
| Noninterest income to average assets | 0.1101% | 6,996 |
| Noninterest expense to average assets | 2.4482% | 5,891 |
| Loan and lease loss provision to assets | 1.4667% | 914 |
| Net operating income to assets | -0.3951% | 6,514 |
| Return on assets (ROA) | -0.1410% | 6,316 |
| Pretax return on assets | -0.1510% | 6,271 |
| Return on Equity (ROE) | -2.3006% | 6,431 |
| Retained earnings to average equity (ytd only) | -2.3006% | 6,253 |
| Net charge-offs to loans | 2.6540% | 616 |
| Credit loss provision to net charge-offs | 70.9185% | 5,392 |
| Earnings coverage of net charge-offs (x) | 0.5041% | 5,517 |
| Efficiency ratio | 70.1346% | 4,037 |
| Assets per employee ($millions) | 3.7932% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9505% | 2,348 |
| Loan loss allowance to noncurrent loans | 28.1629% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 6.2386% | 935 |
| Noncurrent loans to loans | 6.9259% | 820 |
| Net loans and leases to total assets | 73.1367% | 1,990 |
| Net loans and leases to deposits | 80.2522% | 3,402 |
| Net loans and leases to core deposits | 103.5378% | 1,523 |
| Total domestic deposits to total assets | 91.1336% | 401 |
| Equity capital to assets | 6.0341% | 7,484 |
| Core capital (leverage) ratio | 5.8610% | 7,452 |
| Tier 1 risk-based capital ratio | 8.0077% | 7,480 |
| Total risk-based capital ratio | 9.2664% | 7,482 |
| Memoranda: | ||
| Average total assets | $198,620,750 | 3,161 |
| Average earning assets | $183,453,500 | 3,132 |
| Average equity | $12,170,500 | 4,632 |
| Average total loans | $154,779,000 | 2,730 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9703% | 1,015 |
| Cost of funding earning assets | 2.3406% | 295 |
| Net interest margin | 3.6297% | 4,696 |
| Noninterest income to average assets | 0.1992% | 6,477 |
| Noninterest expense to average assets | 2.3830% | 6,108 |
| Loan and lease loss provision to assets | 1.0616% | 1,362 |
| Net operating income to assets | 0.1056% | 5,852 |
| Return on assets (ROA) | 0.1790% | 5,758 |
| Pretax return on assets | 0.1830% | 5,809 |
| Return on Equity (ROE) | 2.9055% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.9055% | 4,288 |
| Net charge-offs to loans | 1.1881% | 1,602 |
| Credit loss provision to net charge-offs | 113.0248% | 3,601 |
| Earnings coverage of net charge-offs (x) | 1.2454% | 4,574 |
| Efficiency ratio | 67.0746% | 4,748 |
| Assets per employee ($millions) | 4.0299% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4918% | 1,314 |
| Loan loss allowance to noncurrent loans | 30.7177% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 6.7063% | 815 |
| Noncurrent loans to loans | 8.1119% | 636 |
| Net loans and leases to total assets | 75.0555% | 1,680 |
| Net loans and leases to deposits | 82.4097% | 3,197 |
| Net loans and leases to core deposits | 106.5134% | 1,402 |
| Total domestic deposits to total assets | 91.0760% | 452 |
| Equity capital to assets | 6.1691% | 7,514 |
| Core capital (leverage) ratio | 6.1107% | 7,463 |
| Tier 1 risk-based capital ratio | 7.9408% | 7,525 |
| Total risk-based capital ratio | 9.2064% | 7,533 |
| Memoranda: | ||
| Average total assets | $197,814,330 | 3,193 |
| Average earning assets | $182,772,330 | 3,163 |
| Average equity | $12,183,670 | 4,632 |
| Average total loans | $156,385,670 | 2,745 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0499% | 887 |
| Cost of funding earning assets | 2.4240% | 274 |
| Net interest margin | 3.6259% | 4,596 |
| Noninterest income to average assets | 0.2702% | 5,997 |
| Noninterest expense to average assets | 2.3613% | 6,208 |
| Loan and lease loss provision to assets | 2.1654% | 497 |
| Net operating income to assets | -0.8730% | 7,050 |
| Return on assets (ROA) | -0.7280% | 6,993 |
| Pretax return on assets | -0.7692% | 6,934 |
| Return on Equity (ROE) | -11.8298% | 7,207 |
| Retained earnings to average equity (ytd only) | -11.8298% | 7,059 |
| Net charge-offs to loans | 0.7306% | 2,043 |
| Credit loss provision to net charge-offs | 369.7183% | 1,104 |
| Earnings coverage of net charge-offs (x) | 2.1232% | 3,475 |
| Efficiency ratio | 65.5034% | 5,218 |
| Assets per employee ($millions) | 3.8565% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9190% | 881 |
| Loan loss allowance to noncurrent loans | 43.0583% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 6.2740% | 929 |
| Noncurrent loans to loans | 6.7792% | 901 |
| Net loans and leases to total assets | 77.5640% | 1,229 |
| Net loans and leases to deposits | 85.1288% | 2,740 |
| Net loans and leases to core deposits | 110.1535% | 1,258 |
| Total domestic deposits to total assets | 91.1137% | 496 |
| Equity capital to assets | 5.9964% | 7,624 |
| Core capital (leverage) ratio | 5.9887% | 7,582 |
| Tier 1 risk-based capital ratio | 7.6676% | 7,648 |
| Total risk-based capital ratio | 8.9385% | 7,654 |
| Memoranda: | ||
| Average total assets | $193,959,500 | 3,303 |
| Average earning assets | $178,383,000 | 3,275 |
| Average equity | $11,936,000 | 4,731 |
| Average total loans | $155,479,000 | 2,822 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2961% | 1,037 |
| Cost of funding earning assets | 2.9905% | 241 |
| Net interest margin | 3.3056% | 5,715 |
| Noninterest income to average assets | -0.0671% | 7,777 |
| Noninterest expense to average assets | 2.3808% | 6,523 |
| Loan and lease loss provision to assets | 1.7342% | 1,315 |
| Net operating income to assets | -1.0358% | 6,595 |
| Return on assets (ROA) | -1.2309% | 6,727 |
| Pretax return on assets | -1.3186% | 6,603 |
| Return on Equity (ROE) | -17.3629% | 7,049 |
| Retained earnings to average equity (ytd only) | -17.3629% | 7,005 |
| Net charge-offs to loans | 1.2719% | 1,947 |
| Credit loss provision to net charge-offs | 171.5148% | 2,478 |
| Earnings coverage of net charge-offs (x) | 0.6186% | 5,481 |
| Efficiency ratio | 79.1951% | 3,012 |
| Assets per employee ($millions) | 3.7497% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4842% | 1,252 |
| Loan loss allowance to noncurrent loans | 34.4110% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 6.4836% | 848 |
| Noncurrent loans to loans | 7.2191% | 752 |
| Net loans and leases to total assets | 78.4344% | 1,293 |
| Net loans and leases to deposits | 86.4329% | 2,838 |
| Net loans and leases to core deposits | 126.4204% | 1,481 |
| Total domestic deposits to total assets | 90.7459% | 642 |
| Equity capital to assets | 6.3158% | 7,609 |
| Core capital (leverage) ratio | 6.3424% | 7,538 |
| Tier 1 risk-based capital ratio | 8.0028% | 7,654 |
| Total risk-based capital ratio | 9.2686% | 7,661 |
| Memoranda: | ||
| Average total assets | $180,193,800 | 3,434 |
| Average earning assets | $167,532,800 | 3,391 |
| Average equity | $12,774,400 | 4,562 |
| Average total loans | $143,249,600 | 3,033 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3187% | 1,092 |
| Cost of funding earning assets | 3.1102% | 236 |
| Net interest margin | 3.2085% | 5,989 |
| Noninterest income to average assets | 0.1631% | 7,035 |
| Noninterest expense to average assets | 2.4136% | 6,371 |
| Loan and lease loss provision to assets | 0.3381% | 4,306 |
| Net operating income to assets | 0.3576% | 4,562 |
| Return on assets (ROA) | 0.2412% | 5,103 |
| Pretax return on assets | 0.2705% | 5,133 |
| Return on Equity (ROE) | 3.3053% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.3053% | 3,463 |
| Net charge-offs to loans | 1.0156% | 1,941 |
| Credit loss provision to net charge-offs | 42.0168% | 6,402 |
| Earnings coverage of net charge-offs (x) | 0.9188% | 5,137 |
| Efficiency ratio | 76.5491% | 3,413 |
| Assets per employee ($millions) | 3.7391% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 4,685 |
| Loan loss allowance to noncurrent loans | 25.5213% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 5.2372% | 1,108 |
| Noncurrent loans to loans | 4.9769% | 1,337 |
| Net loans and leases to total assets | 77.3248% | 1,715 |
| Net loans and leases to deposits | 86.7702% | 3,171 |
| Net loans and leases to core deposits | 125.5400% | 1,770 |
| Total domestic deposits to total assets | 89.1144% | 1,146 |
| Equity capital to assets | 7.7365% | 7,115 |
| Core capital (leverage) ratio | 7.7341% | 6,684 |
| Tier 1 risk-based capital ratio | 9.8652% | 7,087 |
| Total risk-based capital ratio | 11.1152% | 7,049 |
| Memoranda: | ||
| Average total assets | $177,433,500 | 3,503 |
| Average earning assets | $165,345,750 | 3,459 |
| Average equity | $12,948,500 | 4,551 |
| Average total loans | $140,608,250 | 3,104 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3069% | 1,192 |
| Cost of funding earning assets | 3.1837% | 280 |
| Net interest margin | 3.1232% | 6,173 |
| Noninterest income to average assets | 0.2069% | 6,810 |
| Noninterest expense to average assets | 2.4622% | 6,252 |
| Loan and lease loss provision to assets | 0.1734% | 5,325 |
| Net operating income to assets | 0.4320% | 4,371 |
| Return on assets (ROA) | 0.4381% | 4,454 |
| Pretax return on assets | 0.5005% | 4,613 |
| Return on Equity (ROE) | 6.1391% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.1391% | 1,953 |
| Net charge-offs to loans | 1.5484% | 1,221 |
| Credit loss provision to net charge-offs | 14.0713% | 6,168 |
| Earnings coverage of net charge-offs (x) | 0.5413% | 5,168 |
| Efficiency ratio | 78.6849% | 3,239 |
| Assets per employee ($millions) | 3.9446% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,557 |
| Loan loss allowance to noncurrent loans | 38.7518% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 3.1074% | 2,023 |
| Noncurrent loans to loans | 2.8556% | 2,524 |
| Net loans and leases to total assets | 77.2215% | 1,906 |
| Net loans and leases to deposits | 86.2772% | 3,499 |
| Net loans and leases to core deposits | 125.7049% | 1,898 |
| Total domestic deposits to total assets | 89.5040% | 1,040 |
| Equity capital to assets | 7.2575% | 7,446 |
| Core capital (leverage) ratio | 8.1669% | 6,041 |
| Tier 1 risk-based capital ratio | 10.0846% | 6,841 |
| Total risk-based capital ratio | 11.1930% | 6,919 |
| Memoranda: | ||
| Average total assets | $173,013,670 | 3,587 |
| Average earning assets | $161,886,330 | 3,527 |
| Average equity | $12,347,000 | 4,726 |
| Average total loans | $137,694,330 | 3,187 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2059% | 1,584 |
| Cost of funding earning assets | 3.2751% | 283 |
| Net interest margin | 2.9308% | 6,667 |
| Noninterest income to average assets | 0.2086% | 6,802 |
| Noninterest expense to average assets | 2.3858% | 6,247 |
| Loan and lease loss provision to assets | 0.3597% | 3,159 |
| Net operating income to assets | 0.0839% | 6,025 |
| Return on assets (ROA) | 0.0839% | 6,191 |
| Pretax return on assets | 0.2398% | 5,848 |
| Return on Equity (ROE) | 1.1871% | 6,070 |
| Retained earnings to average equity (ytd only) | 1.1871% | 5,163 |
| Net charge-offs to loans | 3.2409% | 387 |
| Credit loss provision to net charge-offs | 13.7994% | 5,153 |
| Earnings coverage of net charge-offs (x) | 0.2300% | 4,798 |
| Efficiency ratio | 79.9197% | 2,835 |
| Assets per employee ($millions) | 3.6374% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 5,028 |
| Loan loss allowance to noncurrent loans | 56.2233% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 2.5965% | 2,204 |
| Noncurrent loans to loans | 2.0689% | 3,169 |
| Net loans and leases to total assets | 78.5785% | 1,674 |
| Net loans and leases to deposits | 87.8071% | 3,318 |
| Net loans and leases to core deposits | 125.8485% | 1,925 |
| Total domestic deposits to total assets | 89.4899% | 1,017 |
| Equity capital to assets | 7.0181% | 7,670 |
| Core capital (leverage) ratio | 7.3744% | 7,297 |
| Tier 1 risk-based capital ratio | 9.2757% | 7,609 |
| Total risk-based capital ratio | 10.4460% | 7,666 |
| Memoranda: | ||
| Average total assets | $166,823,500 | 3,711 |
| Average earning assets | $158,043,000 | 3,610 |
| Average equity | $11,793,000 | 4,904 |
| Average total loans | $134,158,500 | 3,285 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9258% | 1,326 |
| Cost of funding earning assets | 3.7760% | 216 |
| Net interest margin | 3.1498% | 6,524 |
| Noninterest income to average assets | 0.1304% | 7,461 |
| Noninterest expense to average assets | 2.6507% | 5,442 |
| Loan and lease loss provision to assets | 1.0767% | 1,348 |
| Net operating income to assets | -0.5581% | 6,964 |
| Return on assets (ROA) | -0.5529% | 6,847 |
| Pretax return on assets | -0.6057% | 6,739 |
| Return on Equity (ROE) | -7.0597% | 7,053 |
| Retained earnings to average equity (ytd only) | -9.0429% | 6,972 |
| Net charge-offs to loans | -0.0350% | 7,990 |
| Credit loss provision to net charge-offs | -3,874.3590% | 7,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0675% | 1,943 |
| Assets per employee ($millions) | 3.4614% | 4,774 |
| Cash dividends to net income (ytd only)* | -28.0928% | 7,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 1,411 |
| Loan loss allowance to noncurrent loans | 50.7354% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 3.6180% | 1,216 |
| Noncurrent loans to loans | 3.7485% | 1,334 |
| Net loans and leases to total assets | 79.8344% | 1,696 |
| Net loans and leases to deposits | 89.3765% | 3,555 |
| Net loans and leases to core deposits | 126.8233% | 2,096 |
| Total domestic deposits to total assets | 89.3237% | 909 |
| Equity capital to assets | 7.1228% | 7,669 |
| Core capital (leverage) ratio | 7.5393% | 7,156 |
| Tier 1 risk-based capital ratio | 9.2313% | 7,586 |
| Total risk-based capital ratio | 10.4899% | 7,521 |
| Memoranda: | ||
| Average total assets | $140,338,800 | 4,076 |
| Average earning assets | $133,024,200 | 3,990 |
| Average equity | $10,992,000 | 5,125 |
| Average total loans | $111,522,600 | 3,647 |