Home > Anchor Bank > Performance and Condition Ratios
Anchor Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6344% | 998 |
| Cost of funding earning assets | 2.0603% | 832 |
| Net interest margin | 3.5741% | 2,015 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.8117% | 1,468 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.5235% | 3,620 |
| Return on assets (ROA) | 0.5235% | 3,608 |
| Pretax return on assets | 0.6974% | 3,443 |
| Return on Equity (ROE) | 6.4800% | 3,423 |
| Retained earnings to average equity (ytd only) | 4.5449% | 2,776 |
| Net charge-offs to loans | 0.1319% | 748 |
| Credit loss provision to net charge-offs | 81.5951% | 2,009 |
| Earnings coverage of net charge-offs (x) | 7.5184% | 2,399 |
| Efficiency ratio | 78.2327% | 1,051 |
| Assets per employee ($millions) | 7.1074% | 2,005 |
| Cash dividends to net income (ytd only)* | 29.8780% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5465% | 4,303 |
| Loan loss allowance to noncurrent loans | 188.7287% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 2,022 |
| Noncurrent loans to loans | 0.2896% | 2,139 |
| Net loans and leases to total assets | 81.9400% | 439 |
| Net loans and leases to deposits | 115.6567% | 118 |
| Net loans and leases to core deposits | 135.4123% | 329 |
| Total domestic deposits to total assets | 70.8500% | 4,263 |
| Equity capital to assets | 8.4041% | 3,116 |
| Core capital (leverage) ratio | 8.5038% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $313,295,000 | 2,352 |
| Average earning assets | $287,874,200 | 2,367 |
| Average equity | $25,303,000 | 2,503 |
| Average total loans | $247,186,200 | 2,016 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 1,089 |
| Cost of funding earning assets | 1.8551% | 924 |
| Net interest margin | 3.5823% | 2,050 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.8047% | 1,426 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.5407% | 3,681 |
| Return on assets (ROA) | 0.5407% | 3,666 |
| Pretax return on assets | 0.7209% | 3,504 |
| Return on Equity (ROE) | 6.7700% | 3,491 |
| Retained earnings to average equity (ytd only) | 4.1430% | 3,219 |
| Net charge-offs to loans | 0.1629% | 521 |
| Credit loss provision to net charge-offs | 49.4949% | 1,896 |
| Earnings coverage of net charge-offs (x) | 6.1684% | 2,309 |
| Efficiency ratio | 78.1593% | 998 |
| Assets per employee ($millions) | 7.1354% | 1,860 |
| Cash dividends to net income (ytd only)* | 38.7658% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5179% | 4,338 |
| Loan loss allowance to noncurrent loans | 164.4336% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 1,991 |
| Noncurrent loans to loans | 0.3150% | 2,105 |
| Net loans and leases to total assets | 80.7600% | 563 |
| Net loans and leases to deposits | 118.1852% | 95 |
| Net loans and leases to core deposits | 141.3746% | 206 |
| Total domestic deposits to total assets | 68.3300% | 4,364 |
| Equity capital to assets | 8.2399% | 2,890 |
| Core capital (leverage) ratio | 8.7785% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $311,660,750 | 2,368 |
| Average earning assets | $285,621,250 | 2,379 |
| Average equity | $24,909,000 | 2,506 |
| Average total loans | $243,107,250 | 2,039 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 1,142 |
| Cost of funding earning assets | 1.7099% | 872 |
| Net interest margin | 3.5435% | 2,166 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.8083% | 1,402 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5264% | 3,755 |
| Return on assets (ROA) | 0.5264% | 3,764 |
| Pretax return on assets | 0.7014% | 3,599 |
| Return on Equity (ROE) | 6.6600% | 3,551 |
| Retained earnings to average equity (ytd only) | 2.6401% | 3,567 |
| Net charge-offs to loans | 0.1467% | 523 |
| Credit loss provision to net charge-offs | 40.2299% | 1,712 |
| Earnings coverage of net charge-offs (x) | 6.6207% | 2,114 |
| Efficiency ratio | 78.9934% | 916 |
| Assets per employee ($millions) | 7.6464% | 1,510 |
| Cash dividends to net income (ytd only)* | 60.3448% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5533% | 4,340 |
| Loan loss allowance to noncurrent loans | 147.5687% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 1,740 |
| Noncurrent loans to loans | 0.3750% | 1,800 |
| Net loans and leases to total assets | 78.1200% | 819 |
| Net loans and leases to deposits | 112.2546% | 174 |
| Net loans and leases to core deposits | 134.5062% | 272 |
| Total domestic deposits to total assets | 69.5900% | 4,372 |
| Equity capital to assets | 8.0100% | 3,213 |
| Core capital (leverage) ratio | 9.1073% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $308,516,000 | 2,387 |
| Average earning assets | $281,529,667 | 2,412 |
| Average equity | $24,392,667 | 2,547 |
| Average total loans | $237,252,333 | 2,067 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 974 |
| Cost of funding earning assets | 1.5907% | 708 |
| Net interest margin | 3.5940% | 2,146 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.8484% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5387% | 3,816 |
| Return on assets (ROA) | 0.5387% | 3,776 |
| Pretax return on assets | 0.7161% | 3,626 |
| Return on Equity (ROE) | 6.8600% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.8614% | 2,535 |
| Net charge-offs to loans | 0.1550% | 448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 6.0787% | 1,792 |
| Efficiency ratio | 79.9109% | 838 |
| Assets per employee ($millions) | 7.0747% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5838% | 4,382 |
| Loan loss allowance to noncurrent loans | 152.7056% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 1,646 |
| Noncurrent loans to loans | 0.3823% | 1,784 |
| Net loans and leases to total assets | 78.9900% | 644 |
| Net loans and leases to deposits | 122.9433% | 69 |
| Net loans and leases to core deposits | 133.2686% | 244 |
| Total domestic deposits to total assets | 64.2500% | 4,508 |
| Equity capital to assets | 7.8754% | 3,324 |
| Core capital (leverage) ratio | 8.7668% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $302,200,000 | 2,460 |
| Average earning assets | $273,347,000 | 2,487 |
| Average equity | $23,727,000 | 2,616 |
| Average total loans | $229,736,000 | 2,118 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 1,031 |
| Cost of funding earning assets | 0.4666% | 1,603 |
| Net interest margin | 3.8437% | 1,075 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 3.0324% | 925 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.6457% | 3,769 |
| Return on assets (ROA) | 0.6457% | 3,721 |
| Pretax return on assets | 0.8555% | 3,470 |
| Return on Equity (ROE) | 7.3500% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.3462% | 2,084 |
| Net charge-offs to loans | 0.0405% | 1,293 |
| Credit loss provision to net charge-offs | 536.8421% | 648 |
| Earnings coverage of net charge-offs (x) | 34.2368% | 1,606 |
| Efficiency ratio | 74.7953% | 1,139 |
| Assets per employee ($millions) | 7.1473% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 4,339 |
| Loan loss allowance to noncurrent loans | 129.4351% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 1,505 |
| Noncurrent loans to loans | 0.4633% | 1,548 |
| Net loans and leases to total assets | 72.1100% | 1,406 |
| Net loans and leases to deposits | 106.2291% | 240 |
| Net loans and leases to core deposits | 114.5024% | 474 |
| Total domestic deposits to total assets | 67.8800% | 4,508 |
| Equity capital to assets | 7.8271% | 3,170 |
| Core capital (leverage) ratio | 9.2783% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $256,461,600 | 2,690 |
| Average earning assets | $232,326,000 | 2,720 |
| Average equity | $22,542,200 | 2,733 |
| Average total loans | $187,559,000 | 2,322 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0466% | 1,166 |
| Cost of funding earning assets | 0.2841% | 2,342 |
| Net interest margin | 3.7625% | 1,012 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 3.0958% | 792 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.5061% | 4,059 |
| Return on assets (ROA) | 0.5061% | 4,009 |
| Pretax return on assets | 0.6668% | 3,864 |
| Return on Equity (ROE) | 5.5700% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.5714% | 2,901 |
| Net charge-offs to loans | 0.0963% | 637 |
| Credit loss provision to net charge-offs | 183.0769% | 1,026 |
| Earnings coverage of net charge-offs (x) | 11.2769% | 1,952 |
| Efficiency ratio | 79.3917% | 810 |
| Assets per employee ($millions) | 6.2343% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5112% | 4,463 |
| Loan loss allowance to noncurrent loans | 103.8388% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 1,363 |
| Noncurrent loans to loans | 0.4923% | 1,572 |
| Net loans and leases to total assets | 80.4200% | 499 |
| Net loans and leases to deposits | 105.0062% | 210 |
| Net loans and leases to core deposits | 111.9446% | 411 |
| Total domestic deposits to total assets | 76.5900% | 4,342 |
| Equity capital to assets | 8.6939% | 2,411 |
| Core capital (leverage) ratio | 9.5805% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $245,530,250 | 2,775 |
| Average earning assets | $221,974,000 | 2,811 |
| Average equity | $22,303,750 | 2,796 |
| Average total loans | $180,007,000 | 2,376 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 1,408 |
| Cost of funding earning assets | 0.2080% | 2,808 |
| Net interest margin | 3.5473% | 1,187 |
| Noninterest income to average assets | 0.5873% | 1,794 |
| Noninterest expense to average assets | 3.1313% | 696 |
| Loan and lease loss provision to assets | 0.0916% | 1,081 |
| Net operating income to assets | 0.4290% | 4,055 |
| Return on assets (ROA) | 0.4290% | 4,006 |
| Pretax return on assets | 0.5614% | 3,899 |
| Return on Equity (ROE) | 4.6500% | 3,881 |
| Retained earnings to average equity (ytd only) | 4.6500% | 2,834 |
| Net charge-offs to loans | 0.0885% | 628 |
| Credit loss provision to net charge-offs | 146.6667% | 1,102 |
| Earnings coverage of net charge-offs (x) | 10.4533% | 1,755 |
| Efficiency ratio | 82.5886% | 760 |
| Assets per employee ($millions) | 5.8669% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5517% | 4,507 |
| Loan loss allowance to noncurrent loans | 93.9479% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 1,233 |
| Noncurrent loans to loans | 0.5873% | 1,443 |
| Net loans and leases to total assets | 77.4999% | 594 |
| Net loans and leases to deposits | 96.3142% | 418 |
| Net loans and leases to core deposits | 100.0132% | 670 |
| Total domestic deposits to total assets | 80.4657% | 4,184 |
| Equity capital to assets | 9.5388% | 1,988 |
| Core capital (leverage) ratio | 9.8457% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,094,000 | 2,824 |
| Average earning assets | $216,387,000 | 2,874 |
| Average equity | $22,150,333 | 2,879 |
| Average total loans | $169,459,000 | 2,467 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4215% | 2,026 |
| Cost of funding earning assets | 0.2027% | 2,763 |
| Net interest margin | 3.2189% | 1,819 |
| Noninterest income to average assets | 0.7974% | 1,052 |
| Noninterest expense to average assets | 3.1219% | 673 |
| Loan and lease loss provision to assets | 0.0494% | 1,486 |
| Net operating income to assets | 0.4102% | 3,929 |
| Return on assets (ROA) | 0.4102% | 3,894 |
| Pretax return on assets | 0.5305% | 3,816 |
| Return on Equity (ROE) | 4.5205% | 3,752 |
| Retained earnings to average equity (ytd only) | 4.5205% | 2,772 |
| Net charge-offs to loans | 0.1327% | 427 |
| Credit loss provision to net charge-offs | 55.5556% | 1,182 |
| Earnings coverage of net charge-offs (x) | 6.5185% | 1,568 |
| Efficiency ratio | 84.1567% | 837 |
| Assets per employee ($millions) | 6.3112% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5616% | 4,535 |
| Loan loss allowance to noncurrent loans | 84.8972% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 1,308 |
| Noncurrent loans to loans | 0.6615% | 1,432 |
| Net loans and leases to total assets | 70.1427% | 1,007 |
| Net loans and leases to deposits | 86.2016% | 720 |
| Net loans and leases to core deposits | 89.0722% | 964 |
| Total domestic deposits to total assets | 81.3705% | 4,158 |
| Equity capital to assets | 9.2589% | 2,477 |
| Core capital (leverage) ratio | 9.6645% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,804,000 | 2,825 |
| Average earning assets | $219,082,000 | 2,869 |
| Average equity | $22,033,000 | 2,987 |
| Average total loans | $162,748,000 | 2,524 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 1,246 |
| Cost of funding earning assets | 0.3408% | 2,020 |
| Net interest margin | 3.7091% | 1,191 |
| Noninterest income to average assets | 1.0263% | 950 |
| Noninterest expense to average assets | 3.9714% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5152% | 4,051 |
| Return on assets (ROA) | 0.5246% | 4,076 |
| Pretax return on assets | 0.4257% | 4,363 |
| Return on Equity (ROE) | 5.9392% | 3,791 |
| Retained earnings to average equity (ytd only) | 5.9392% | 2,389 |
| Net charge-offs to loans | -0.0028% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4504% | 315 |
| Assets per employee ($millions) | 7.0224% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6231% | 4,529 |
| Loan loss allowance to noncurrent loans | 84.8432% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 1,391 |
| Noncurrent loans to loans | 0.7344% | 1,382 |
| Net loans and leases to total assets | 63.2071% | 1,794 |
| Net loans and leases to deposits | 79.8574% | 1,231 |
| Net loans and leases to core deposits | 82.3726% | 1,435 |
| Total domestic deposits to total assets | 79.1500% | 4,300 |
| Equity capital to assets | 8.8944% | 3,723 |
| Core capital (leverage) ratio | 9.8495% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,306,800 | 3,110 |
| Average earning assets | $175,193,000 | 3,130 |
| Average equity | $17,073,000 | 3,459 |
| Average total loans | $140,689,600 | 2,718 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1113% | 1,282 |
| Cost of funding earning assets | 0.3625% | 2,000 |
| Net interest margin | 3.7488% | 1,227 |
| Noninterest income to average assets | 0.8028% | 1,520 |
| Noninterest expense to average assets | 4.2051% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1561% | 4,658 |
| Return on assets (ROA) | 0.1694% | 4,668 |
| Pretax return on assets | 0.0081% | 4,749 |
| Return on Equity (ROE) | 1.9232% | 4,602 |
| Retained earnings to average equity (ytd only) | 1.9232% | 4,208 |
| Net charge-offs to loans | -0.0088% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1057% | 156 |
| Assets per employee ($millions) | 6.2550% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6179% | 4,615 |
| Loan loss allowance to noncurrent loans | 85.2045% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 1,410 |
| Noncurrent loans to loans | 0.7252% | 1,540 |
| Net loans and leases to total assets | 74.0399% | 689 |
| Net loans and leases to deposits | 97.9668% | 276 |
| Net loans and leases to core deposits | 102.5731% | 505 |
| Total domestic deposits to total assets | 75.5766% | 4,568 |
| Equity capital to assets | 9.9648% | 2,936 |
| Core capital (leverage) ratio | 11.6517% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,187,500 | 3,242 |
| Average earning assets | $163,285,750 | 3,276 |
| Average equity | $15,876,000 | 3,595 |
| Average total loans | $136,780,250 | 2,799 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 1,320 |
| Cost of funding earning assets | 0.3838% | 2,027 |
| Net interest margin | 3.7288% | 1,275 |
| Noninterest income to average assets | 0.1382% | 4,510 |
| Noninterest expense to average assets | 3.4636% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0921% | 4,722 |
| Return on assets (ROA) | 0.0921% | 4,738 |
| Pretax return on assets | 0.1169% | 4,722 |
| Return on Equity (ROE) | 1.1061% | 4,691 |
| Retained earnings to average equity (ytd only) | 1.1061% | 4,321 |
| Net charge-offs to loans | -0.0077% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7348% | 206 |
| Assets per employee ($millions) | 6.2896% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 4,454 |
| Loan loss allowance to noncurrent loans | 773.8095% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,711 |
| Noncurrent loans to loans | 0.0970% | 3,698 |
| Net loans and leases to total assets | 75.9389% | 594 |
| Net loans and leases to deposits | 97.9961% | 314 |
| Net loans and leases to core deposits | 99.5715% | 672 |
| Total domestic deposits to total assets | 77.4918% | 4,479 |
| Equity capital to assets | 8.3637% | 4,312 |
| Core capital (leverage) ratio | 8.6811% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,360,333 | 3,348 |
| Average earning assets | $156,350,333 | 3,350 |
| Average equity | $14,104,000 | 3,780 |
| Average total loans | $129,560,667 | 2,907 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 1,867 |
| Cost of funding earning assets | 0.4265% | 1,889 |
| Net interest margin | 3.4585% | 1,941 |
| Noninterest income to average assets | 0.1466% | 4,468 |
| Noninterest expense to average assets | 3.4222% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0639% | 4,796 |
| Return on assets (ROA) | -0.0639% | 4,801 |
| Pretax return on assets | -0.0922% | 4,812 |
| Return on Equity (ROE) | -0.7684% | 4,817 |
| Retained earnings to average equity (ytd only) | -0.7684% | 4,437 |
| Net charge-offs to loans | -0.0062% | 3,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7699% | 168 |
| Assets per employee ($millions) | 6.2809% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 4,502 |
| Loan loss allowance to noncurrent loans | 478.8177% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 3,571 |
| Noncurrent loans to loans | 0.1549% | 3,558 |
| Net loans and leases to total assets | 76.7183% | 566 |
| Net loans and leases to deposits | 99.3100% | 310 |
| Net loans and leases to core deposits | 101.4820% | 650 |
| Total domestic deposits to total assets | 77.2514% | 4,497 |
| Equity capital to assets | 8.1488% | 4,399 |
| Core capital (leverage) ratio | 8.9227% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,131,500 | 3,345 |
| Average earning assets | $155,674,000 | 3,355 |
| Average equity | $14,054,500 | 3,792 |
| Average total loans | $129,374,500 | 2,910 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 1,085 |
| Cost of funding earning assets | 0.7967% | 1,229 |
| Net interest margin | 3.8104% | 1,472 |
| Noninterest income to average assets | 0.2333% | 4,101 |
| Noninterest expense to average assets | 3.5210% | 675 |
| Loan and lease loss provision to assets | 0.0639% | 3,579 |
| Net operating income to assets | 0.1379% | 4,637 |
| Return on assets (ROA) | 0.2448% | 4,570 |
| Pretax return on assets | 0.3043% | 4,538 |
| Return on Equity (ROE) | 2.7071% | 4,443 |
| Retained earnings to average equity (ytd only) | 2.7071% | 3,506 |
| Net charge-offs to loans | -0.0016% | 3,971 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7532% | 274 |
| Assets per employee ($millions) | 6.2474% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7597% | 4,497 |
| Loan loss allowance to noncurrent loans | 1,243.5897% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 4,115 |
| Noncurrent loans to loans | 0.0611% | 4,046 |
| Net loans and leases to total assets | 75.1160% | 887 |
| Net loans and leases to deposits | 101.3616% | 322 |
| Net loans and leases to core deposits | 105.1922% | 679 |
| Total domestic deposits to total assets | 74.1070% | 4,632 |
| Equity capital to assets | 8.4717% | 4,464 |
| Core capital (leverage) ratio | 9.3442% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,435,000 | 3,321 |
| Average earning assets | $144,603,200 | 3,328 |
| Average equity | $14,148,000 | 3,738 |
| Average total loans | $123,603,600 | 2,942 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 1,440 |
| Cost of funding earning assets | 0.8963% | 1,081 |
| Net interest margin | 3.6594% | 2,066 |
| Noninterest income to average assets | 0.6389% | 2,028 |
| Noninterest expense to average assets | 3.7068% | 525 |
| Loan and lease loss provision to assets | 0.0867% | 3,228 |
| Net operating income to assets | 0.1827% | 4,617 |
| Return on assets (ROA) | 0.2912% | 4,508 |
| Pretax return on assets | 0.3755% | 4,460 |
| Return on Equity (ROE) | 3.1650% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.1650% | 3,445 |
| Net charge-offs to loans | -0.0087% | 4,193 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9362% | 314 |
| Assets per employee ($millions) | 5.6123% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 4,464 |
| Loan loss allowance to noncurrent loans | 610.0000% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 3,938 |
| Noncurrent loans to loans | 0.1241% | 3,885 |
| Net loans and leases to total assets | 78.5943% | 760 |
| Net loans and leases to deposits | 108.9035% | 252 |
| Net loans and leases to core deposits | 114.0538% | 553 |
| Total domestic deposits to total assets | 72.1688% | 4,681 |
| Equity capital to assets | 8.7966% | 4,253 |
| Core capital (leverage) ratio | 9.2885% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,374,000 | 3,341 |
| Average earning assets | $142,204,000 | 3,342 |
| Average equity | $14,112,500 | 3,748 |
| Average total loans | $122,585,750 | 2,964 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 1,401 |
| Cost of funding earning assets | 1.0054% | 973 |
| Net interest margin | 3.6955% | 2,178 |
| Noninterest income to average assets | 0.8293% | 1,349 |
| Noninterest expense to average assets | 3.8124% | 493 |
| Loan and lease loss provision to assets | 0.1331% | 2,680 |
| Net operating income to assets | 0.2489% | 4,508 |
| Return on assets (ROA) | 0.2489% | 4,549 |
| Pretax return on assets | 0.3235% | 4,510 |
| Return on Equity (ROE) | 2.6630% | 4,409 |
| Retained earnings to average equity (ytd only) | 2.6630% | 3,520 |
| Net charge-offs to loans | -0.0100% | 4,210 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3046% | 407 |
| Assets per employee ($millions) | 5.8128% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7509% | 4,462 |
| Loan loss allowance to noncurrent loans | 608.7500% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 4,053 |
| Noncurrent loans to loans | 0.1233% | 3,958 |
| Net loans and leases to total assets | 76.3726% | 1,076 |
| Net loans and leases to deposits | 104.3815% | 363 |
| Net loans and leases to core deposits | 109.7891% | 747 |
| Total domestic deposits to total assets | 73.1668% | 4,642 |
| Equity capital to assets | 8.4332% | 4,514 |
| Core capital (leverage) ratio | 9.1561% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,246,667 | 3,357 |
| Average earning assets | $139,847,000 | 3,350 |
| Average equity | $14,044,333 | 3,756 |
| Average total loans | $120,483,333 | 2,979 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 730 |
| Cost of funding earning assets | 1.1411% | 928 |
| Net interest margin | 4.0029% | 1,388 |
| Noninterest income to average assets | 0.0765% | 4,906 |
| Noninterest expense to average assets | 3.8133% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0142% | 4,737 |
| Return on assets (ROA) | 0.0142% | 4,727 |
| Pretax return on assets | 0.0028% | 4,735 |
| Return on Equity (ROE) | 0.1433% | 4,726 |
| Retained earnings to average equity (ytd only) | 0.1433% | 3,959 |
| Net charge-offs to loans | -0.0104% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9257% | 239 |
| Assets per employee ($millions) | 4.8499% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 4,559 |
| Loan loss allowance to noncurrent loans | 412.7962% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 3,919 |
| Noncurrent loans to loans | 0.1771% | 3,837 |
| Net loans and leases to total assets | 81.2993% | 530 |
| Net loans and leases to deposits | 103.0518% | 408 |
| Net loans and leases to core deposits | 108.9489% | 902 |
| Total domestic deposits to total assets | 78.8917% | 4,073 |
| Equity capital to assets | 9.6339% | 4,098 |
| Core capital (leverage) ratio | 9.8798% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,084,500 | 3,446 |
| Average earning assets | $131,805,000 | 3,424 |
| Average equity | $13,958,500 | 3,774 |
| Average total loans | $115,867,000 | 3,002 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 1,522 |
| Cost of funding earning assets | 1.5557% | 340 |
| Net interest margin | 3.4299% | 3,649 |
| Noninterest income to average assets | 0.0239% | 5,089 |
| Noninterest expense to average assets | 3.3393% | 1,229 |
| Loan and lease loss provision to assets | -0.2221% | 5,127 |
| Net operating income to assets | 0.1349% | 4,903 |
| Return on assets (ROA) | 0.1577% | 4,899 |
| Pretax return on assets | 0.2012% | 4,886 |
| Return on Equity (ROE) | 1.5920% | 4,847 |
| Retained earnings to average equity (ytd only) | 1.5920% | 4,169 |
| Net charge-offs to loans | -0.1263% | 4,989 |
| Credit loss provision to net charge-offs | 216.1972% | 1,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5178% | 147 |
| Assets per employee ($millions) | 5.0619% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 4,389 |
| Loan loss allowance to noncurrent loans | 291.2752% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 3,586 |
| Noncurrent loans to loans | 0.2647% | 3,495 |
| Net loans and leases to total assets | 81.7336% | 583 |
| Net loans and leases to deposits | 102.3792% | 452 |
| Net loans and leases to core deposits | 106.4840% | 1,082 |
| Total domestic deposits to total assets | 79.8342% | 4,009 |
| Equity capital to assets | 10.1703% | 3,761 |
| Core capital (leverage) ratio | 9.5456% | 4,013 |
| Tier 1 risk-based capital ratio | 12.0414% | 4,339 |
| Total risk-based capital ratio | 12.7978% | 4,486 |
| Memoranda: | ||
| Average total assets | $138,201,600 | 3,462 |
| Average earning assets | $131,577,200 | 3,396 |
| Average equity | $13,693,200 | 3,788 |
| Average total loans | $112,460,400 | 3,047 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9900% | 1,566 |
| Cost of funding earning assets | 1.6040% | 291 |
| Net interest margin | 3.3860% | 3,894 |
| Noninterest income to average assets | 0.0067% | 5,193 |
| Noninterest expense to average assets | 3.2855% | 1,303 |
| Loan and lease loss provision to assets | -0.1943% | 5,205 |
| Net operating income to assets | 0.1193% | 5,005 |
| Return on assets (ROA) | 0.1482% | 5,004 |
| Pretax return on assets | 0.1895% | 4,990 |
| Return on Equity (ROE) | 1.5052% | 4,968 |
| Retained earnings to average equity (ytd only) | 1.5052% | 4,434 |
| Net charge-offs to loans | -0.1731% | 5,092 |
| Credit loss provision to net charge-offs | 138.3562% | 1,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2752% | 143 |
| Assets per employee ($millions) | 5.7291% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8415% | 4,270 |
| Loan loss allowance to noncurrent loans | 1,252.5641% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 4,436 |
| Noncurrent loans to loans | 0.0672% | 4,337 |
| Net loans and leases to total assets | 80.3822% | 799 |
| Net loans and leases to deposits | 99.6503% | 665 |
| Net loans and leases to core deposits | 103.5771% | 1,365 |
| Total domestic deposits to total assets | 80.6643% | 3,832 |
| Equity capital to assets | 9.6581% | 4,327 |
| Core capital (leverage) ratio | 9.5547% | 4,110 |
| Tier 1 risk-based capital ratio | 11.7374% | 4,555 |
| Total risk-based capital ratio | 12.5682% | 4,654 |
| Memoranda: | ||
| Average total assets | $138,584,000 | 3,489 |
| Average earning assets | $132,501,250 | 3,418 |
| Average equity | $13,641,500 | 3,837 |
| Average total loans | $112,431,750 | 3,080 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 1,610 |
| Cost of funding earning assets | 1.5648% | 307 |
| Net interest margin | 3.3864% | 3,936 |
| Noninterest income to average assets | -0.0336% | 5,275 |
| Noninterest expense to average assets | 3.3991% | 1,106 |
| Loan and lease loss provision to assets | -0.2408% | 5,262 |
| Net operating income to assets | 0.0525% | 5,083 |
| Return on assets (ROA) | 0.0525% | 5,090 |
| Pretax return on assets | 0.0613% | 5,088 |
| Return on Equity (ROE) | 0.5303% | 5,084 |
| Retained earnings to average equity (ytd only) | 0.5303% | 4,562 |
| Net charge-offs to loans | -0.0108% | 4,349 |
| Credit loss provision to net charge-offs | 2,750.0000% | 137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5757% | 117 |
| Assets per employee ($millions) | 6.0506% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 4,574 |
| Loan loss allowance to noncurrent loans | 1,079.0123% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 4,484 |
| Noncurrent loans to loans | 0.0706% | 4,366 |
| Net loans and leases to total assets | 78.3595% | 1,154 |
| Net loans and leases to deposits | 99.2006% | 742 |
| Net loans and leases to core deposits | 104.7819% | 1,315 |
| Total domestic deposits to total assets | 78.9910% | 4,226 |
| Equity capital to assets | 9.4371% | 4,463 |
| Core capital (leverage) ratio | 9.5576% | 4,094 |
| Tier 1 risk-based capital ratio | 11.9944% | 4,424 |
| Total risk-based capital ratio | 12.7607% | 4,574 |
| Memoranda: | ||
| Average total assets | $137,036,330 | 3,525 |
| Average earning assets | $131,645,670 | 3,452 |
| Average equity | $13,577,670 | 3,850 |
| Average total loans | $111,207,000 | 3,113 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 1,178 |
| Cost of funding earning assets | 1.4546% | 380 |
| Net interest margin | 3.6099% | 3,216 |
| Noninterest income to average assets | -0.1685% | 5,340 |
| Noninterest expense to average assets | 3.3306% | 1,226 |
| Loan and lease loss provision to assets | -0.4363% | 5,340 |
| Net operating income to assets | 0.3099% | 4,884 |
| Return on assets (ROA) | 0.3099% | 4,893 |
| Pretax return on assets | 0.4092% | 4,827 |
| Return on Equity (ROE) | 3.0486% | 4,776 |
| Retained earnings to average equity (ytd only) | 3.0486% | 3,716 |
| Net charge-offs to loans | -0.0146% | 4,371 |
| Credit loss provision to net charge-offs | 3,625.0000% | 117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8197% | 161 |
| Assets per employee ($millions) | 6.4986% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 4,564 |
| Loan loss allowance to noncurrent loans | 841.5094% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 4,418 |
| Noncurrent loans to loans | 0.0934% | 4,330 |
| Net loans and leases to total assets | 82.5348% | 523 |
| Net loans and leases to deposits | 103.1371% | 435 |
| Net loans and leases to core deposits | 111.8830% | 836 |
| Total domestic deposits to total assets | 80.0243% | 4,175 |
| Equity capital to assets | 10.0029% | 3,825 |
| Core capital (leverage) ratio | 10.3303% | 3,244 |
| Tier 1 risk-based capital ratio | 12.1555% | 4,377 |
| Total risk-based capital ratio | 12.9470% | 4,519 |
| Memoranda: | ||
| Average total assets | $132,947,500 | 3,622 |
| Average earning assets | $127,871,000 | 3,547 |
| Average equity | $13,514,500 | 3,869 |
| Average total loans | $109,479,000 | 3,178 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 2,973 |
| Cost of funding earning assets | 1.1688% | 380 |
| Net interest margin | 3.1693% | 4,540 |
| Noninterest income to average assets | 1.6548% | 351 |
| Noninterest expense to average assets | 3.2475% | 1,435 |
| Loan and lease loss provision to assets | -0.1938% | 5,330 |
| Net operating income to assets | 1.2851% | 1,861 |
| Return on assets (ROA) | 1.2851% | 1,856 |
| Pretax return on assets | 1.6400% | 1,344 |
| Return on Equity (ROE) | 13.4711% | 1,185 |
| Retained earnings to average equity (ytd only) | 13.4711% | 197 |
| Net charge-offs to loans | -0.4787% | 5,340 |
| Credit loss provision to net charge-offs | 53.3049% | 3,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1876% | 2,350 |
| Assets per employee ($millions) | 6.1630% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,809 |
| Loan loss allowance to noncurrent loans | 40.1165% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.9896% | 481 |
| Noncurrent loans to loans | 2.4424% | 508 |
| Net loans and leases to total assets | 80.6628% | 844 |
| Net loans and leases to deposits | 101.8597% | 603 |
| Net loans and leases to core deposits | 114.7283% | 751 |
| Total domestic deposits to total assets | 79.1901% | 4,271 |
| Equity capital to assets | 10.3366% | 3,338 |
| Core capital (leverage) ratio | 10.7027% | 2,833 |
| Tier 1 risk-based capital ratio | 12.8566% | 3,931 |
| Total risk-based capital ratio | 13.8331% | 3,963 |
| Memoranda: | ||
| Average total assets | $129,022,200 | 3,661 |
| Average earning assets | $123,718,600 | 3,592 |
| Average equity | $12,307,800 | 3,988 |
| Average total loans | $97,965,800 | 3,339 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,965 |
| Cost of funding earning assets | 1.1131% | 373 |
| Net interest margin | 3.1861% | 4,539 |
| Noninterest income to average assets | 0.5057% | 2,833 |
| Noninterest expense to average assets | 3.1088% | 1,745 |
| Loan and lease loss provision to assets | -0.3465% | 5,439 |
| Net operating income to assets | 0.6040% | 4,492 |
| Return on assets (ROA) | 0.6040% | 4,503 |
| Pretax return on assets | 0.7953% | 4,306 |
| Return on Equity (ROE) | 6.4671% | 4,117 |
| Retained earnings to average equity (ytd only) | 6.4671% | 2,403 |
| Net charge-offs to loans | -0.6521% | 5,419 |
| Credit loss provision to net charge-offs | 71.2766% | 2,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3837% | 439 |
| Assets per employee ($millions) | 6.2466% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 3,949 |
| Loan loss allowance to noncurrent loans | 36.6834% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.6134% | 323 |
| Noncurrent loans to loans | 2.6394% | 471 |
| Net loans and leases to total assets | 77.6943% | 1,387 |
| Net loans and leases to deposits | 100.5282% | 735 |
| Net loans and leases to core deposits | 101.1705% | 1,683 |
| Total domestic deposits to total assets | 77.2860% | 4,601 |
| Equity capital to assets | 9.7581% | 3,864 |
| Core capital (leverage) ratio | 9.8080% | 3,841 |
| Tier 1 risk-based capital ratio | 12.6581% | 4,114 |
| Total risk-based capital ratio | 13.6154% | 4,167 |
| Memoranda: | ||
| Average total assets | $128,921,750 | 3,694 |
| Average earning assets | $123,490,500 | 3,630 |
| Average equity | $12,040,250 | 4,050 |
| Average total loans | $96,099,750 | 3,403 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 3,094 |
| Cost of funding earning assets | 1.0340% | 397 |
| Net interest margin | 3.1726% | 4,570 |
| Noninterest income to average assets | 0.7094% | 1,836 |
| Noninterest expense to average assets | 3.1309% | 1,715 |
| Loan and lease loss provision to assets | -0.4990% | 5,512 |
| Net operating income to assets | 0.8430% | 3,708 |
| Return on assets (ROA) | 0.8430% | 3,709 |
| Pretax return on assets | 1.1163% | 3,247 |
| Return on Equity (ROE) | 9.1576% | 2,950 |
| Retained earnings to average equity (ytd only) | 9.1576% | 1,164 |
| Net charge-offs to loans | -0.9763% | 5,487 |
| Credit loss provision to net charge-offs | 69.7425% | 2,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5313% | 718 |
| Assets per employee ($millions) | 5.5442% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 3,868 |
| Loan loss allowance to noncurrent loans | 36.6923% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.5706% | 333 |
| Noncurrent loans to loans | 2.7153% | 447 |
| Net loans and leases to total assets | 74.3430% | 1,891 |
| Net loans and leases to deposits | 90.4226% | 1,789 |
| Net loans and leases to core deposits | 96.1548% | 2,048 |
| Total domestic deposits to total assets | 82.2173% | 3,649 |
| Equity capital to assets | 9.5517% | 4,052 |
| Core capital (leverage) ratio | 9.5637% | 4,037 |
| Tier 1 risk-based capital ratio | 12.8539% | 3,981 |
| Total risk-based capital ratio | 13.8341% | 4,032 |
| Memoranda: | ||
| Average total assets | $130,251,670 | 3,706 |
| Average earning assets | $124,757,000 | 3,638 |
| Average equity | $11,990,000 | 4,083 |
| Average total loans | $95,461,670 | 3,418 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 3,046 |
| Cost of funding earning assets | 0.9656% | 437 |
| Net interest margin | 3.1889% | 4,501 |
| Noninterest income to average assets | 0.1003% | 5,329 |
| Noninterest expense to average assets | 3.1363% | 1,724 |
| Loan and lease loss provision to assets | -0.9117% | 5,594 |
| Net operating income to assets | 0.6990% | 4,103 |
| Return on assets (ROA) | 0.6990% | 4,109 |
| Pretax return on assets | 0.9269% | 3,761 |
| Return on Equity (ROE) | 7.7343% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.7343% | 1,945 |
| Net charge-offs to loans | -1.6199% | 5,556 |
| Credit loss provision to net charge-offs | 77.7202% | 1,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5178% | 181 |
| Assets per employee ($millions) | 5.4604% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 4,282 |
| Loan loss allowance to noncurrent loans | 34.4828% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.5090% | 370 |
| Noncurrent loans to loans | 2.7118% | 468 |
| Net loans and leases to total assets | 72.7568% | 2,054 |
| Net loans and leases to deposits | 87.9698% | 1,933 |
| Net loans and leases to core deposits | 95.2708% | 2,035 |
| Total domestic deposits to total assets | 82.7065% | 3,756 |
| Equity capital to assets | 9.0996% | 4,456 |
| Core capital (leverage) ratio | 9.0645% | 4,612 |
| Tier 1 risk-based capital ratio | 12.4634% | 4,265 |
| Total risk-based capital ratio | 13.3880% | 4,362 |
| Memoranda: | ||
| Average total assets | $131,619,000 | 3,721 |
| Average earning assets | $125,936,000 | 3,648 |
| Average equity | $11,895,000 | 4,142 |
| Average total loans | $95,315,500 | 3,438 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 2,252 |
| Cost of funding earning assets | 0.6775% | 1,147 |
| Net interest margin | 3.6450% | 3,003 |
| Noninterest income to average assets | 0.1980% | 4,957 |
| Noninterest expense to average assets | 3.0055% | 2,159 |
| Loan and lease loss provision to assets | 0.2525% | 733 |
| Net operating income to assets | 0.0630% | 5,291 |
| Return on assets (ROA) | 0.0625% | 5,299 |
| Pretax return on assets | 0.4586% | 4,998 |
| Return on Equity (ROE) | 0.6502% | 5,290 |
| Retained earnings to average equity (ytd only) | 0.6502% | 4,780 |
| Net charge-offs to loans | 0.4160% | 598 |
| Credit loss provision to net charge-offs | 84.2246% | 2,880 |
| Earnings coverage of net charge-offs (x) | 2.3743% | 3,752 |
| Efficiency ratio | 80.8497% | 1,027 |
| Assets per employee ($millions) | 5.7473% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 4,624 |
| Loan loss allowance to noncurrent loans | 30.9859% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 2.5002% | 378 |
| Noncurrent loans to loans | 2.7833% | 429 |
| Net loans and leases to total assets | 70.7850% | 2,399 |
| Net loans and leases to deposits | 84.9933% | 2,370 |
| Net loans and leases to core deposits | 94.5820% | 2,146 |
| Total domestic deposits to total assets | 83.2830% | 3,473 |
| Equity capital to assets | 8.9758% | 4,746 |
| Core capital (leverage) ratio | 9.1356% | 4,481 |
| Tier 1 risk-based capital ratio | 12.2929% | 4,335 |
| Total risk-based capital ratio | 13.1335% | 4,490 |
| Memoranda: | ||
| Average total assets | $124,739,800 | 3,826 |
| Average earning assets | $120,437,400 | 3,740 |
| Average equity | $11,997,000 | 4,138 |
| Average total loans | $89,909,800 | 3,526 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 1,968 |
| Cost of funding earning assets | 0.5853% | 1,641 |
| Net interest margin | 3.8134% | 2,348 |
| Noninterest income to average assets | 0.2192% | 4,911 |
| Noninterest expense to average assets | 3.0176% | 2,068 |
| Loan and lease loss provision to assets | 0.3418% | 439 |
| Net operating income to assets | 0.3392% | 5,138 |
| Return on assets (ROA) | 0.3385% | 5,168 |
| Pretax return on assets | 0.5490% | 4,933 |
| Return on Equity (ROE) | 3.4579% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.4579% | 3,867 |
| Net charge-offs to loans | 0.7027% | 271 |
| Credit loss provision to net charge-offs | 67.3077% | 2,720 |
| Earnings coverage of net charge-offs (x) | 1.7564% | 3,550 |
| Efficiency ratio | 77.1857% | 1,437 |
| Assets per employee ($millions) | 5.4006% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7575% | 5,005 |
| Loan loss allowance to noncurrent loans | 27.3384% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.5522% | 416 |
| Noncurrent loans to loans | 2.7710% | 499 |
| Net loans and leases to total assets | 72.6714% | 2,153 |
| Net loans and leases to deposits | 87.7978% | 2,092 |
| Net loans and leases to core deposits | 98.6748% | 1,831 |
| Total domestic deposits to total assets | 82.7713% | 3,531 |
| Equity capital to assets | 9.4187% | 4,526 |
| Core capital (leverage) ratio | 9.6564% | 3,981 |
| Tier 1 risk-based capital ratio | 12.7119% | 4,199 |
| Total risk-based capital ratio | 13.4732% | 4,376 |
| Memoranda: | ||
| Average total assets | $122,877,500 | 3,888 |
| Average earning assets | $118,911,500 | 3,804 |
| Average equity | $12,030,000 | 4,171 |
| Average total loans | $88,791,250 | 3,582 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 1,336 |
| Cost of funding earning assets | 0.5137% | 2,065 |
| Net interest margin | 4.0532% | 1,455 |
| Noninterest income to average assets | 0.2139% | 4,971 |
| Noninterest expense to average assets | 3.0009% | 2,107 |
| Loan and lease loss provision to assets | 0.2155% | 826 |
| Net operating income to assets | 0.5702% | 4,431 |
| Return on assets (ROA) | 0.5670% | 4,494 |
| Pretax return on assets | 0.9168% | 3,874 |
| Return on Equity (ROE) | 5.7140% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.7140% | 2,281 |
| Net charge-offs to loans | 0.5210% | 373 |
| Credit loss provision to net charge-offs | 57.5221% | 2,486 |
| Earnings coverage of net charge-offs (x) | 3.0354% | 3,091 |
| Efficiency ratio | 72.5160% | 2,263 |
| Assets per employee ($millions) | 5.3583% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 4,794 |
| Loan loss allowance to noncurrent loans | 178.8018% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9023% | 1,966 |
| Noncurrent loans to loans | 0.4798% | 3,310 |
| Net loans and leases to total assets | 72.7623% | 2,086 |
| Net loans and leases to deposits | 80.8776% | 2,819 |
| Net loans and leases to core deposits | 90.9675% | 2,433 |
| Total domestic deposits to total assets | 89.9660% | 551 |
| Equity capital to assets | 9.9261% | 3,997 |
| Core capital (leverage) ratio | 9.9152% | 3,640 |
| Tier 1 risk-based capital ratio | 13.2225% | 3,857 |
| Total risk-based capital ratio | 14.0738% | 4,020 |
| Memoranda: | ||
| Average total assets | $120,631,670 | 3,954 |
| Average earning assets | $116,796,330 | 3,862 |
| Average equity | $11,970,670 | 4,190 |
| Average total loans | $86,751,000 | 3,639 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 2,619 |
| Cost of funding earning assets | 0.4785% | 2,257 |
| Net interest margin | 3.6306% | 2,778 |
| Noninterest income to average assets | 0.0603% | 5,705 |
| Noninterest expense to average assets | 3.0672% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3084% | 5,171 |
| Return on assets (ROA) | 0.3084% | 5,195 |
| Pretax return on assets | 0.5028% | 4,964 |
| Return on Equity (ROE) | 3.1082% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.1082% | 3,858 |
| Net charge-offs to loans | 0.6737% | 265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.0490% | 2,764 |
| Efficiency ratio | 85.9155% | 810 |
| Assets per employee ($millions) | 5.3297% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 4,974 |
| Loan loss allowance to noncurrent loans | 164.5598% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 1,711 |
| Noncurrent loans to loans | 0.5062% | 3,293 |
| Net loans and leases to total assets | 70.7953% | 2,250 |
| Net loans and leases to deposits | 78.6926% | 2,900 |
| Net loans and leases to core deposits | 88.6744% | 2,480 |
| Total domestic deposits to total assets | 89.9644% | 675 |
| Equity capital to assets | 9.7232% | 4,044 |
| Core capital (leverage) ratio | 9.6975% | 3,877 |
| Tier 1 risk-based capital ratio | 13.0976% | 4,025 |
| Total risk-based capital ratio | 13.9170% | 4,187 |
| Memoranda: | ||
| Average total assets | $119,327,000 | 4,005 |
| Average earning assets | $115,352,500 | 3,927 |
| Average equity | $11,839,500 | 4,242 |
| Average total loans | $84,902,000 | 3,708 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 2,701 |
| Cost of funding earning assets | 0.3681% | 3,334 |
| Net interest margin | 3.7703% | 2,430 |
| Noninterest income to average assets | 0.0855% | 5,680 |
| Noninterest expense to average assets | 3.2843% | 1,608 |
| Loan and lease loss provision to assets | -0.1246% | 5,720 |
| Net operating income to assets | 0.3380% | 5,116 |
| Return on assets (ROA) | 0.4149% | 4,976 |
| Pretax return on assets | 0.6705% | 4,586 |
| Return on Equity (ROE) | 3.9029% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.9029% | 3,148 |
| Net charge-offs to loans | -0.0337% | 5,287 |
| Credit loss provision to net charge-offs | 548.0000% | 611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5238% | 638 |
| Assets per employee ($millions) | 4.6429% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,954 |
| Loan loss allowance to noncurrent loans | 111.9384% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.2527% | 1,425 |
| Noncurrent loans to loans | 0.9466% | 2,193 |
| Net loans and leases to total assets | 70.1461% | 2,442 |
| Net loans and leases to deposits | 78.1524% | 3,085 |
| Net loans and leases to core deposits | 88.4606% | 2,632 |
| Total domestic deposits to total assets | 89.7555% | 748 |
| Equity capital to assets | 10.1325% | 3,569 |
| Core capital (leverage) ratio | 10.3331% | 3,067 |
| Tier 1 risk-based capital ratio | 14.1629% | 3,372 |
| Total risk-based capital ratio | 15.2113% | 3,399 |
| Memoranda: | ||
| Average total assets | $109,915,800 | 4,163 |
| Average earning assets | $105,666,600 | 4,084 |
| Average equity | $11,683,600 | 4,301 |
| Average total loans | $74,284,400 | 3,936 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 2,617 |
| Cost of funding earning assets | 0.3511% | 3,525 |
| Net interest margin | 3.8161% | 2,275 |
| Noninterest income to average assets | 0.0997% | 5,718 |
| Noninterest expense to average assets | 3.3770% | 1,391 |
| Loan and lease loss provision to assets | -0.1685% | 5,853 |
| Net operating income to assets | 0.3390% | 5,188 |
| Return on assets (ROA) | 0.4429% | 4,976 |
| Pretax return on assets | 0.7172% | 4,563 |
| Return on Equity (ROE) | 4.1151% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.1151% | 3,379 |
| Net charge-offs to loans | -0.0443% | 5,326 |
| Credit loss provision to net charge-offs | 570.8333% | 638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7352% | 572 |
| Assets per employee ($millions) | 4.4012% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 3,371 |
| Loan loss allowance to noncurrent loans | 131.3725% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 1,633 |
| Noncurrent loans to loans | 0.8983% | 2,454 |
| Net loans and leases to total assets | 66.2886% | 3,076 |
| Net loans and leases to deposits | 74.4554% | 3,549 |
| Net loans and leases to core deposits | 85.3645% | 3,005 |
| Total domestic deposits to total assets | 89.0313% | 891 |
| Equity capital to assets | 10.8042% | 3,241 |
| Core capital (leverage) ratio | 10.7668% | 2,715 |
| Tier 1 risk-based capital ratio | 15.5848% | 2,797 |
| Total risk-based capital ratio | 16.7479% | 2,763 |
| Memoranda: | ||
| Average total assets | $108,376,750 | 4,228 |
| Average earning assets | $104,047,250 | 4,140 |
| Average equity | $11,664,250 | 4,344 |
| Average total loans | $72,282,500 | 4,014 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 2,637 |
| Cost of funding earning assets | 0.3524% | 3,539 |
| Net interest margin | 3.8084% | 2,287 |
| Noninterest income to average assets | 0.0612% | 5,886 |
| Noninterest expense to average assets | 3.4278% | 1,323 |
| Loan and lease loss provision to assets | -0.1614% | 5,921 |
| Net operating income to assets | 0.2696% | 5,395 |
| Return on assets (ROA) | 0.3895% | 5,144 |
| Pretax return on assets | 0.6306% | 4,815 |
| Return on Equity (ROE) | 3.6239% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.6239% | 3,587 |
| Net charge-offs to loans | -0.1449% | 5,730 |
| Credit loss provision to net charge-offs | 167.3077% | 1,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4000% | 479 |
| Assets per employee ($millions) | 4.3877% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 2,811 |
| Loan loss allowance to noncurrent loans | 117.0160% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.7967% | 962 |
| Noncurrent loans to loans | 1.1076% | 2,079 |
| Net loans and leases to total assets | 68.6346% | 2,688 |
| Net loans and leases to deposits | 77.4452% | 3,215 |
| Net loans and leases to core deposits | 91.2967% | 2,404 |
| Total domestic deposits to total assets | 88.6234% | 1,102 |
| Equity capital to assets | 11.1620% | 2,888 |
| Core capital (leverage) ratio | 10.4772% | 2,999 |
| Tier 1 risk-based capital ratio | 15.6192% | 2,817 |
| Total risk-based capital ratio | 16.8712% | 2,753 |
| Memoranda: | ||
| Average total assets | $107,825,330 | 4,268 |
| Average earning assets | $103,296,670 | 4,190 |
| Average equity | $11,589,670 | 4,383 |
| Average total loans | $71,773,670 | 4,048 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 2,659 |
| Cost of funding earning assets | 0.3527% | 3,576 |
| Net interest margin | 3.7952% | 2,303 |
| Noninterest income to average assets | 0.0550% | 5,952 |
| Noninterest expense to average assets | 3.4615% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1322% | 5,635 |
| Return on assets (ROA) | 0.2823% | 5,428 |
| Pretax return on assets | 0.4584% | 5,189 |
| Return on Equity (ROE) | 2.6765% | 5,342 |
| Retained earnings to average equity (ytd only) | 2.6765% | 4,175 |
| Net charge-offs to loans | -0.2702% | 5,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9303% | 457 |
| Assets per employee ($millions) | 4.5170% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 2,083 |
| Loan loss allowance to noncurrent loans | 125.5474% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 1,081 |
| Noncurrent loans to loans | 1.1763% | 2,058 |
| Net loans and leases to total assets | 63.5064% | 3,318 |
| Net loans and leases to deposits | 71.2610% | 3,720 |
| Net loans and leases to core deposits | 82.6502% | 3,072 |
| Total domestic deposits to total assets | 89.1180% | 1,043 |
| Equity capital to assets | 10.6920% | 3,270 |
| Core capital (leverage) ratio | 10.0491% | 3,476 |
| Tier 1 risk-based capital ratio | 16.0633% | 2,652 |
| Total risk-based capital ratio | 17.3199% | 2,604 |
| Memoranda: | ||
| Average total assets | $109,086,000 | 4,279 |
| Average earning assets | $104,343,000 | 4,204 |
| Average equity | $11,507,500 | 4,416 |
| Average total loans | $71,048,500 | 4,091 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,340 |
| Cost of funding earning assets | 0.3851% | 3,318 |
| Net interest margin | 3.8783% | 2,101 |
| Noninterest income to average assets | 0.5644% | 2,935 |
| Noninterest expense to average assets | 3.4619% | 1,363 |
| Loan and lease loss provision to assets | -0.1418% | 5,911 |
| Net operating income to assets | 0.5700% | 4,421 |
| Return on assets (ROA) | 0.6674% | 4,052 |
| Pretax return on assets | 1.0805% | 3,151 |
| Return on Equity (ROE) | 6.3417% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.3417% | 1,634 |
| Net charge-offs to loans | 0.2004% | 1,457 |
| Credit loss provision to net charge-offs | -112.7820% | 5,170 |
| Earnings coverage of net charge-offs (x) | 6.2556% | 3,255 |
| Efficiency ratio | 81.4864% | 1,477 |
| Assets per employee ($millions) | 4.7723% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,599 |
| Loan loss allowance to noncurrent loans | 68.1913% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.2840% | 715 |
| Noncurrent loans to loans | 1.9981% | 1,045 |
| Net loans and leases to total assets | 64.8983% | 3,138 |
| Net loans and leases to deposits | 72.5851% | 3,657 |
| Net loans and leases to core deposits | 83.8059% | 2,984 |
| Total domestic deposits to total assets | 89.4100% | 910 |
| Equity capital to assets | 10.4078% | 3,474 |
| Core capital (leverage) ratio | 10.1589% | 3,308 |
| Tier 1 risk-based capital ratio | 15.5023% | 2,927 |
| Total risk-based capital ratio | 16.7581% | 2,865 |
| Memoranda: | ||
| Average total assets | $105,780,400 | 4,340 |
| Average earning assets | $100,482,600 | 4,275 |
| Average equity | $11,132,600 | 4,451 |
| Average total loans | $66,376,800 | 4,183 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 2,278 |
| Cost of funding earning assets | 0.3957% | 3,263 |
| Net interest margin | 3.8916% | 2,060 |
| Noninterest income to average assets | 0.4632% | 3,610 |
| Noninterest expense to average assets | 3.4521% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4288% | 5,055 |
| Return on assets (ROA) | 0.5599% | 4,648 |
| Pretax return on assets | 0.9072% | 3,963 |
| Return on Equity (ROE) | 5.3044% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.3044% | 2,722 |
| Net charge-offs to loans | 0.2177% | 1,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.2075% | 3,239 |
| Efficiency ratio | 83.0934% | 1,255 |
| Assets per employee ($millions) | 4.5870% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 1,511 |
| Loan loss allowance to noncurrent loans | 79.9036% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 2.7336% | 592 |
| Noncurrent loans to loans | 2.1081% | 1,071 |
| Net loans and leases to total assets | 64.2297% | 3,272 |
| Net loans and leases to deposits | 72.0638% | 3,760 |
| Net loans and leases to core deposits | 83.2500% | 3,129 |
| Total domestic deposits to total assets | 89.1290% | 959 |
| Equity capital to assets | 10.6492% | 3,413 |
| Core capital (leverage) ratio | 10.0804% | 3,526 |
| Tier 1 risk-based capital ratio | 15.7107% | 2,946 |
| Total risk-based capital ratio | 16.9764% | 2,869 |
| Memoranda: | ||
| Average total assets | $104,784,500 | 4,406 |
| Average earning assets | $99,391,500 | 4,348 |
| Average equity | $11,059,750 | 4,519 |
| Average total loans | $64,916,250 | 4,279 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 2,545 |
| Cost of funding earning assets | 0.4179% | 3,059 |
| Net interest margin | 3.7811% | 2,397 |
| Noninterest income to average assets | 0.6179% | 2,637 |
| Noninterest expense to average assets | 3.3631% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5138% | 4,710 |
| Return on assets (ROA) | 0.6619% | 4,172 |
| Pretax return on assets | 1.0694% | 3,305 |
| Return on Equity (ROE) | 6.2901% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.2901% | 2,069 |
| Net charge-offs to loans | 0.2925% | 897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.7097% | 3,008 |
| Efficiency ratio | 80.0546% | 1,753 |
| Assets per employee ($millions) | 5.6178% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 1,404 |
| Loan loss allowance to noncurrent loans | 55.5608% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 3.3146% | 453 |
| Noncurrent loans to loans | 3.2091% | 585 |
| Net loans and leases to total assets | 60.5861% | 3,745 |
| Net loans and leases to deposits | 67.7531% | 4,156 |
| Net loans and leases to core deposits | 76.0794% | 3,757 |
| Total domestic deposits to total assets | 89.4219% | 937 |
| Equity capital to assets | 10.3542% | 3,611 |
| Core capital (leverage) ratio | 10.0260% | 3,558 |
| Tier 1 risk-based capital ratio | 16.2168% | 2,750 |
| Total risk-based capital ratio | 17.4715% | 2,698 |
| Memoranda: | ||
| Average total assets | $104,545,670 | 4,455 |
| Average earning assets | $99,070,670 | 4,394 |
| Average equity | $11,001,330 | 4,563 |
| Average total loans | $63,580,330 | 4,350 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 2,554 |
| Cost of funding earning assets | 0.4330% | 2,942 |
| Net interest margin | 3.7414% | 2,461 |
| Noninterest income to average assets | 1.1832% | 813 |
| Noninterest expense to average assets | 3.5534% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7175% | 3,714 |
| Return on assets (ROA) | 0.9551% | 2,614 |
| Pretax return on assets | 1.5428% | 1,414 |
| Return on Equity (ROE) | 9.0015% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.0015% | 1,193 |
| Net charge-offs to loans | 0.9416% | 256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.0612% | 2,827 |
| Efficiency ratio | 75.2046% | 2,632 |
| Assets per employee ($millions) | 4.9600% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 1,587 |
| Loan loss allowance to noncurrent loans | 32.8928% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 4.6371% | 279 |
| Noncurrent loans to loans | 5.3530% | 228 |
| Net loans and leases to total assets | 59.9939% | 3,652 |
| Net loans and leases to deposits | 67.3322% | 4,019 |
| Net loans and leases to core deposits | 67.7902% | 4,349 |
| Total domestic deposits to total assets | 89.1013% | 1,201 |
| Equity capital to assets | 10.6779% | 3,338 |
| Core capital (leverage) ratio | 10.0955% | 3,481 |
| Tier 1 risk-based capital ratio | 16.3450% | 2,760 |
| Total risk-based capital ratio | 17.5929% | 2,699 |
| Memoranda: | ||
| Average total assets | $103,449,000 | 4,512 |
| Average earning assets | $97,932,500 | 4,461 |
| Average equity | $10,976,000 | 4,602 |
| Average total loans | $62,449,000 | 4,416 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 3,063 |
| Cost of funding earning assets | 0.4387% | 3,292 |
| Net interest margin | 3.7257% | 2,899 |
| Noninterest income to average assets | 0.1829% | 5,762 |
| Noninterest expense to average assets | 3.4476% | 1,607 |
| Loan and lease loss provision to assets | 0.0221% | 4,173 |
| Net operating income to assets | 1.4759% | 924 |
| Return on assets (ROA) | 1.6732% | 635 |
| Pretax return on assets | 0.4342% | 5,415 |
| Return on Equity (ROE) | 16.7537% | 521 |
| Retained earnings to average equity (ytd only) | 16.7537% | 109 |
| Net charge-offs to loans | 0.9756% | 313 |
| Credit loss provision to net charge-offs | 3.5494% | 4,172 |
| Earnings coverage of net charge-offs (x) | 0.4151% | 4,646 |
| Efficiency ratio | 93.0130% | 649 |
| Assets per employee ($millions) | 5.1370% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0673% | 1,000 |
| Loan loss allowance to noncurrent loans | 36.3662% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 4.6691% | 318 |
| Noncurrent loans to loans | 5.6845% | 216 |
| Net loans and leases to total assets | 58.4218% | 4,002 |
| Net loans and leases to deposits | 65.4855% | 4,378 |
| Net loans and leases to core deposits | 65.9358% | 4,672 |
| Total domestic deposits to total assets | 89.2134% | 1,113 |
| Equity capital to assets | 10.5413% | 3,426 |
| Core capital (leverage) ratio | 9.2401% | 4,618 |
| Tier 1 risk-based capital ratio | 15.7307% | 3,114 |
| Total risk-based capital ratio | 16.9906% | 3,039 |
| Memoranda: | ||
| Average total assets | $103,870,200 | 4,503 |
| Average earning assets | $98,237,200 | 4,447 |
| Average equity | $10,373,800 | 4,682 |
| Average total loans | $66,418,400 | 4,282 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 3,591 |
| Cost of funding earning assets | 0.4387% | 3,380 |
| Net interest margin | 3.6027% | 3,415 |
| Noninterest income to average assets | 0.1933% | 5,763 |
| Noninterest expense to average assets | 3.3898% | 1,701 |
| Loan and lease loss provision to assets | 0.0294% | 3,819 |
| Net operating income to assets | 1.9317% | 396 |
| Return on assets (ROA) | 2.1673% | 265 |
| Pretax return on assets | 0.4161% | 5,547 |
| Return on Equity (ROE) | 22.0013% | 192 |
| Retained earnings to average equity (ytd only) | 22.0013% | 53 |
| Net charge-offs to loans | 0.4116% | 963 |
| Credit loss provision to net charge-offs | 11.0048% | 3,691 |
| Earnings coverage of net charge-offs (x) | 0.7847% | 4,317 |
| Efficiency ratio | 94.1679% | 588 |
| Assets per employee ($millions) | 4.8796% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5950% | 580 |
| Loan loss allowance to noncurrent loans | 23.7770% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 8.4004% | 121 |
| Noncurrent loans to loans | 10.9140% | 62 |
| Net loans and leases to total assets | 62.4909% | 3,408 |
| Net loans and leases to deposits | 69.9981% | 3,914 |
| Net loans and leases to core deposits | 70.2832% | 4,299 |
| Total domestic deposits to total assets | 89.2750% | 1,092 |
| Equity capital to assets | 10.4830% | 3,590 |
| Core capital (leverage) ratio | 8.9187% | 5,172 |
| Tier 1 risk-based capital ratio | 14.3754% | 3,963 |
| Total risk-based capital ratio | 15.6425% | 3,890 |
| Memoranda: | ||
| Average total assets | $104,153,000 | 4,540 |
| Average earning assets | $98,480,000 | 4,483 |
| Average equity | $10,259,750 | 4,735 |
| Average total loans | $67,700,750 | 4,285 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 3,517 |
| Cost of funding earning assets | 0.4324% | 3,523 |
| Net interest margin | 3.6251% | 3,261 |
| Noninterest income to average assets | 0.1528% | 6,029 |
| Noninterest expense to average assets | 3.2278% | 2,110 |
| Loan and lease loss provision to assets | 0.0439% | 3,438 |
| Net operating income to assets | 2.9184% | 97 |
| Return on assets (ROA) | 3.2355% | 82 |
| Pretax return on assets | 0.6246% | 4,878 |
| Return on Equity (ROE) | 33.5479% | 44 |
| Retained earnings to average equity (ytd only) | 33.5479% | 24 |
| Net charge-offs to loans | 0.5589% | 730 |
| Credit loss provision to net charge-offs | 12.0419% | 3,285 |
| Earnings coverage of net charge-offs (x) | 0.9634% | 3,927 |
| Efficiency ratio | 90.1814% | 906 |
| Assets per employee ($millions) | 4.8092% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5612% | 658 |
| Loan loss allowance to noncurrent loans | 32.6330% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 7.2588% | 168 |
| Noncurrent loans to loans | 7.8484% | 140 |
| Net loans and leases to total assets | 61.9922% | 3,405 |
| Net loans and leases to deposits | 69.3073% | 3,905 |
| Net loans and leases to core deposits | 69.7674% | 4,289 |
| Total domestic deposits to total assets | 89.4454% | 1,121 |
| Equity capital to assets | 10.2663% | 3,737 |
| Core capital (leverage) ratio | 8.6942% | 5,402 |
| Tier 1 risk-based capital ratio | 13.9135% | 4,311 |
| Total risk-based capital ratio | 15.1803% | 4,244 |
| Memoranda: | ||
| Average total assets | $104,713,670 | 4,561 |
| Average earning assets | $98,977,330 | 4,491 |
| Average equity | $10,099,000 | 4,782 |
| Average total loans | $68,354,000 | 4,286 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0487% | 3,483 |
| Cost of funding earning assets | 0.4206% | 3,750 |
| Net interest margin | 3.6280% | 3,149 |
| Noninterest income to average assets | 0.2419% | 5,421 |
| Noninterest expense to average assets | 3.1794% | 2,297 |
| Loan and lease loss provision to assets | 0.0883% | 2,445 |
| Net operating income to assets | 5.8942% | 37 |
| Return on assets (ROA) | 6.1285% | 36 |
| Pretax return on assets | 0.6528% | 4,654 |
| Return on Equity (ROE) | 65.6959% | 17 |
| Retained earnings to average equity (ytd only) | 65.6959% | 11 |
| Net charge-offs to loans | 0.0987% | 2,180 |
| Credit loss provision to net charge-offs | 135.2941% | 1,345 |
| Earnings coverage of net charge-offs (x) | 7.7647% | 2,094 |
| Efficiency ratio | 86.2500% | 1,425 |
| Assets per employee ($millions) | 5.5239% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7811% | 558 |
| Loan loss allowance to noncurrent loans | 30.4949% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 7.6472% | 182 |
| Noncurrent loans to loans | 9.1198% | 124 |
| Net loans and leases to total assets | 63.2172% | 3,031 |
| Net loans and leases to deposits | 70.5683% | 3,529 |
| Net loans and leases to core deposits | 71.0382% | 3,980 |
| Total domestic deposits to total assets | 89.5831% | 1,319 |
| Equity capital to assets | 10.1702% | 3,639 |
| Core capital (leverage) ratio | 8.7730% | 5,296 |
| Tier 1 risk-based capital ratio | 13.6675% | 4,563 |
| Total risk-based capital ratio | 14.9363% | 4,504 |
| Memoranda: | ||
| Average total assets | $104,169,500 | 4,625 |
| Average earning assets | $98,897,000 | 4,544 |
| Average equity | $9,717,500 | 4,885 |
| Average total loans | $68,874,500 | 4,302 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 3,827 |
| Cost of funding earning assets | 0.4569% | 4,048 |
| Net interest margin | 3.6194% | 3,377 |
| Noninterest income to average assets | 0.2038% | 5,864 |
| Noninterest expense to average assets | 3.4359% | 1,801 |
| Loan and lease loss provision to assets | 0.0695% | 3,736 |
| Net operating income to assets | 0.4086% | 5,117 |
| Return on assets (ROA) | 0.4086% | 5,229 |
| Pretax return on assets | 0.1188% | 6,067 |
| Return on Equity (ROE) | 11.1727% | 1,710 |
| Retained earnings to average equity (ytd only) | 11.1727% | 401 |
| Net charge-offs to loans | 2.3474% | 131 |
| Credit loss provision to net charge-offs | 4.0541% | 4,662 |
| Earnings coverage of net charge-offs (x) | 0.1098% | 5,048 |
| Efficiency ratio | 94.8028% | 709 |
| Assets per employee ($millions) | 5.4413% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7222% | 649 |
| Loan loss allowance to noncurrent loans | 28.1883% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 8.4180% | 174 |
| Noncurrent loans to loans | 9.6573% | 119 |
| Net loans and leases to total assets | 65.3963% | 2,793 |
| Net loans and leases to deposits | 71.6754% | 3,570 |
| Net loans and leases to core deposits | 72.1512% | 4,050 |
| Total domestic deposits to total assets | 91.2395% | 488 |
| Equity capital to assets | 8.4742% | 5,605 |
| Core capital (leverage) ratio | 8.3317% | 5,843 |
| Tier 1 risk-based capital ratio | 12.8924% | 5,055 |
| Total risk-based capital ratio | 14.1623% | 4,986 |
| Memoranda: | ||
| Average total assets | $103,523,600 | 4,661 |
| Average earning assets | $97,832,800 | 4,571 |
| Average equity | $3,786,000 | 6,375 |
| Average total loans | $75,658,400 | 4,070 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 3,837 |
| Cost of funding earning assets | 0.4632% | 4,133 |
| Net interest margin | 3.6185% | 3,367 |
| Noninterest income to average assets | 0.2343% | 5,758 |
| Noninterest expense to average assets | 3.4543% | 1,707 |
| Loan and lease loss provision to assets | 0.0927% | 3,221 |
| Net operating income to assets | 0.0966% | 6,148 |
| Return on assets (ROA) | 0.0966% | 6,204 |
| Pretax return on assets | 0.0966% | 6,214 |
| Return on Equity (ROE) | 3.9335% | 5,252 |
| Retained earnings to average equity (ytd only) | 3.9335% | 3,893 |
| Net charge-offs to loans | 2.6667% | 107 |
| Credit loss provision to net charge-offs | 4.6632% | 4,283 |
| Earnings coverage of net charge-offs (x) | 0.0952% | 4,829 |
| Efficiency ratio | 94.8057% | 690 |
| Assets per employee ($millions) | 5.2294% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9530% | 579 |
| Loan loss allowance to noncurrent loans | 25.9658% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 11.9013% | 91 |
| Noncurrent loans to loans | 11.3728% | 97 |
| Net loans and leases to total assets | 70.2523% | 1,919 |
| Net loans and leases to deposits | 72.4493% | 3,460 |
| Net loans and leases to core deposits | 72.9185% | 3,981 |
| Total domestic deposits to total assets | 96.9676% | 8 |
| Equity capital to assets | 2.6983% | 6,854 |
| Core capital (leverage) ratio | 2.4709% | 6,870 |
| Tier 1 risk-based capital ratio | 3.5164% | 6,872 |
| Total risk-based capital ratio | 4.7879% | 6,873 |
| Memoranda: | ||
| Average total assets | $103,558,250 | 4,701 |
| Average earning assets | $97,571,000 | 4,628 |
| Average equity | $2,542,250 | 6,695 |
| Average total loans | $77,197,500 | 4,051 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 4,199 |
| Cost of funding earning assets | 0.4684% | 4,225 |
| Net interest margin | 3.5087% | 3,745 |
| Noninterest income to average assets | 0.2801% | 5,448 |
| Noninterest expense to average assets | 3.3861% | 1,855 |
| Loan and lease loss provision to assets | 0.1372% | 2,609 |
| Net operating income to assets | 0.0686% | 6,202 |
| Return on assets (ROA) | 0.0686% | 6,281 |
| Pretax return on assets | 0.0686% | 6,278 |
| Return on Equity (ROE) | 2.8846% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.8846% | 4,476 |
| Net charge-offs to loans | 2.2874% | 174 |
| Credit loss provision to net charge-offs | 7.9734% | 3,928 |
| Earnings coverage of net charge-offs (x) | 0.1196% | 4,503 |
| Efficiency ratio | 94.2706% | 755 |
| Assets per employee ($millions) | 5.3384% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6976% | 320 |
| Loan loss allowance to noncurrent loans | 26.7667% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 13.8175% | 72 |
| Noncurrent loans to loans | 13.8142% | 68 |
| Net loans and leases to total assets | 70.9984% | 1,720 |
| Net loans and leases to deposits | 73.0740% | 3,288 |
| Net loans and leases to core deposits | 73.7249% | 3,851 |
| Total domestic deposits to total assets | 97.1596% | 8 |
| Equity capital to assets | 2.5417% | 6,913 |
| Core capital (leverage) ratio | 2.3562% | 6,928 |
| Tier 1 risk-based capital ratio | 3.3336% | 6,923 |
| Total risk-based capital ratio | 4.6147% | 6,923 |
| Memoranda: | ||
| Average total assets | $104,958,000 | 4,704 |
| Average earning assets | $99,067,330 | 4,619 |
| Average equity | $2,496,000 | 6,754 |
| Average total loans | $78,954,670 | 4,014 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 4,202 |
| Cost of funding earning assets | 0.4760% | 4,318 |
| Net interest margin | 3.5028% | 3,685 |
| Noninterest income to average assets | 0.0225% | 6,808 |
| Noninterest expense to average assets | 3.2346% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0974% | 6,153 |
| Return on assets (ROA) | 0.0974% | 6,246 |
| Pretax return on assets | 0.0974% | 6,263 |
| Return on Equity (ROE) | 4.2363% | 4,977 |
| Retained earnings to average equity (ytd only) | 4.2363% | 3,688 |
| Net charge-offs to loans | 3.5043% | 87 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0366% | 3,817 |
| Efficiency ratio | 97.0754% | 677 |
| Assets per employee ($millions) | 5.6035% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6609% | 373 |
| Loan loss allowance to noncurrent loans | 19.6876% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 16.6493% | 58 |
| Noncurrent loans to loans | 18.5950% | 36 |
| Net loans and leases to total assets | 71.3338% | 1,468 |
| Net loans and leases to deposits | 73.2881% | 3,011 |
| Net loans and leases to core deposits | 73.9093% | 3,591 |
| Total domestic deposits to total assets | 97.3334% | 10 |
| Equity capital to assets | 2.3763% | 6,996 |
| Core capital (leverage) ratio | 2.1064% | 7,001 |
| Tier 1 risk-based capital ratio | 2.9510% | 6,997 |
| Total risk-based capital ratio | 4.2313% | 6,997 |
| Memoranda: | ||
| Average total assets | $106,722,500 | 4,696 |
| Average earning assets | $100,834,000 | 4,601 |
| Average equity | $2,455,000 | 6,824 |
| Average total loans | $81,043,000 | 3,989 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 5,031 |
| Cost of funding earning assets | 0.5324% | 4,977 |
| Net interest margin | 3.5442% | 4,323 |
| Noninterest income to average assets | -0.0826% | 6,908 |
| Noninterest expense to average assets | 3.3241% | 2,269 |
| Loan and lease loss provision to assets | 2.5889% | 57 |
| Net operating income to assets | -2.6554% | 6,987 |
| Return on assets (ROA) | -2.6554% | 6,987 |
| Pretax return on assets | -2.6554% | 6,988 |
| Return on Equity (ROE) | -95.5490% | 7,071 |
| Retained earnings to average equity (ytd only) | -95.5490% | 7,071 |
| Net charge-offs to loans | 3.5743% | 101 |
| Credit loss provision to net charge-offs | 94.8206% | 3,284 |
| Earnings coverage of net charge-offs (x) | -0.0243% | 5,495 |
| Efficiency ratio | 102.0397% | 490 |
| Assets per employee ($millions) | 5.6304% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3194% | 223 |
| Loan loss allowance to noncurrent loans | 23.4206% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 17.4447% | 51 |
| Noncurrent loans to loans | 18.4426% | 40 |
| Net loans and leases to total assets | 74.4611% | 1,131 |
| Net loans and leases to deposits | 76.3935% | 2,736 |
| Net loans and leases to core deposits | 77.0355% | 3,399 |
| Total domestic deposits to total assets | 97.4705% | 11 |
| Equity capital to assets | 2.2248% | 7,059 |
| Core capital (leverage) ratio | 1.8831% | 7,068 |
| Tier 1 risk-based capital ratio | 2.6031% | 7,068 |
| Total risk-based capital ratio | 3.8929% | 7,067 |
| Memoranda: | ||
| Average total assets | $117,384,000 | 4,414 |
| Average earning assets | $110,631,200 | 4,322 |
| Average equity | $3,262,200 | 6,731 |
| Average total loans | $89,667,200 | 3,755 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 5,328 |
| Cost of funding earning assets | 0.5406% | 5,160 |
| Net interest margin | 3.5197% | 4,565 |
| Noninterest income to average assets | -0.0256% | 6,978 |
| Noninterest expense to average assets | 3.4059% | 1,989 |
| Loan and lease loss provision to assets | 2.5169% | 62 |
| Net operating income to assets | -2.6347% | 7,096 |
| Return on assets (ROA) | -2.6347% | 7,098 |
| Pretax return on assets | -2.6347% | 7,088 |
| Return on Equity (ROE) | -90.7688% | 7,156 |
| Retained earnings to average equity (ytd only) | -90.7688% | 7,154 |
| Net charge-offs to loans | 3.4519% | 134 |
| Credit loss provision to net charge-offs | 95.8527% | 3,114 |
| Earnings coverage of net charge-offs (x) | -0.0449% | 5,349 |
| Efficiency ratio | 103.5823% | 426 |
| Assets per employee ($millions) | 5.8133% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2830% | 245 |
| Loan loss allowance to noncurrent loans | 22.1792% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 18.0703% | 57 |
| Noncurrent loans to loans | 19.3108% | 47 |
| Net loans and leases to total assets | 74.1354% | 1,232 |
| Net loans and leases to deposits | 76.3808% | 2,928 |
| Net loans and leases to core deposits | 76.7415% | 3,634 |
| Total domestic deposits to total assets | 97.0603% | 16 |
| Equity capital to assets | 2.6256% | 7,145 |
| Core capital (leverage) ratio | 2.1691% | 7,155 |
| Tier 1 risk-based capital ratio | 2.9844% | 7,159 |
| Total risk-based capital ratio | 4.2727% | 7,159 |
| Memoranda: | ||
| Average total assets | $119,985,500 | 4,403 |
| Average earning assets | $112,962,250 | 4,319 |
| Average equity | $3,482,750 | 6,773 |
| Average total loans | $91,270,750 | 3,752 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 5,560 |
| Cost of funding earning assets | 0.5519% | 5,295 |
| Net interest margin | 3.4770% | 4,775 |
| Noninterest income to average assets | 0.0195% | 6,947 |
| Noninterest expense to average assets | 3.4994% | 1,789 |
| Loan and lease loss provision to assets | 3.6780% | 36 |
| Net operating income to assets | -3.8843% | 7,191 |
| Return on assets (ROA) | -3.8843% | 7,191 |
| Pretax return on assets | -3.8843% | 7,184 |
| Return on Equity (ROE) | -130.1061% | 7,215 |
| Retained earnings to average equity (ytd only) | -130.1061% | 7,213 |
| Net charge-offs to loans | 5.1192% | 59 |
| Credit loss provision to net charge-offs | 94.9686% | 2,907 |
| Earnings coverage of net charge-offs (x) | -0.0532% | 5,108 |
| Efficiency ratio | 106.2623% | 392 |
| Assets per employee ($millions) | 6.1232% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1724% | 307 |
| Loan loss allowance to noncurrent loans | 20.9551% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 17.8707% | 59 |
| Noncurrent loans to loans | 19.9113% | 47 |
| Net loans and leases to total assets | 71.8964% | 1,576 |
| Net loans and leases to deposits | 73.8998% | 3,308 |
| Net loans and leases to core deposits | 74.6517% | 3,939 |
| Total domestic deposits to total assets | 97.2890% | 14 |
| Equity capital to assets | 2.4316% | 7,204 |
| Core capital (leverage) ratio | 2.0350% | 7,219 |
| Tier 1 risk-based capital ratio | 2.9227% | 7,218 |
| Total risk-based capital ratio | 4.2106% | 7,220 |
| Memoranda: | ||
| Average total assets | $123,163,330 | 4,347 |
| Average earning assets | $115,961,330 | 4,276 |
| Average equity | $3,677,000 | 6,762 |
| Average total loans | $93,178,330 | 3,728 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2917% | 4,773 |
| Cost of funding earning assets | 0.5653% | 5,390 |
| Net interest margin | 3.7264% | 3,708 |
| Noninterest income to average assets | 0.0537% | 6,914 |
| Noninterest expense to average assets | 3.8776% | 1,094 |
| Loan and lease loss provision to assets | 6.6838% | 9 |
| Net operating income to assets | -6.9872% | 7,285 |
| Return on assets (ROA) | -6.9872% | 7,287 |
| Pretax return on assets | -6.9872% | 7,286 |
| Return on Equity (ROE) | -215.6547% | 7,288 |
| Retained earnings to average equity (ytd only) | -215.6547% | 7,285 |
| Net charge-offs to loans | 9.7000% | 22 |
| Credit loss provision to net charge-offs | 90.7336% | 2,533 |
| Earnings coverage of net charge-offs (x) | -0.0412% | 4,387 |
| Efficiency ratio | 108.4881% | 363 |
| Assets per employee ($millions) | 6.5955% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7795% | 437 |
| Loan loss allowance to noncurrent loans | 19.5631% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 17.2374% | 78 |
| Noncurrent loans to loans | 19.3194% | 57 |
| Net loans and leases to total assets | 72.0401% | 1,391 |
| Net loans and leases to deposits | 74.2056% | 3,091 |
| Net loans and leases to core deposits | 74.9062% | 3,760 |
| Total domestic deposits to total assets | 97.0818% | 20 |
| Equity capital to assets | 2.4107% | 7,261 |
| Core capital (leverage) ratio | 2.0715% | 7,276 |
| Tier 1 risk-based capital ratio | 2.9271% | 7,277 |
| Total risk-based capital ratio | 4.2105% | 7,278 |
| Memoranda: | ||
| Average total assets | $126,574,500 | 4,307 |
| Average earning assets | $119,579,000 | 4,209 |
| Average equity | $4,101,000 | 6,694 |
| Average total loans | $96,124,000 | 3,684 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 5,376 |
| Cost of funding earning assets | 0.6824% | 5,647 |
| Net interest margin | 3.7288% | 4,161 |
| Noninterest income to average assets | -0.0127% | 7,018 |
| Noninterest expense to average assets | 2.5530% | 5,275 |
| Loan and lease loss provision to assets | 2.0511% | 279 |
| Net operating income to assets | -1.0629% | 6,769 |
| Return on assets (ROA) | -1.0629% | 6,794 |
| Pretax return on assets | -1.0629% | 6,762 |
| Return on Equity (ROE) | -25.1323% | 7,046 |
| Retained earnings to average equity (ytd only) | -25.1323% | 7,036 |
| Net charge-offs to loans | 5.3334% | 66 |
| Credit loss provision to net charge-offs | 49.7354% | 5,427 |
| Earnings coverage of net charge-offs (x) | 0.2396% | 5,647 |
| Efficiency ratio | 72.0930% | 3,559 |
| Assets per employee ($millions) | 6.7281% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8222% | 429 |
| Loan loss allowance to noncurrent loans | 25.2857% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 14.7113% | 132 |
| Noncurrent loans to loans | 15.1161% | 127 |
| Net loans and leases to total assets | 74.0515% | 1,265 |
| Net loans and leases to deposits | 77.4162% | 2,934 |
| Net loans and leases to core deposits | 77.9819% | 3,693 |
| Total domestic deposits to total assets | 95.6537% | 43 |
| Equity capital to assets | 4.0529% | 7,223 |
| Core capital (leverage) ratio | 3.6775% | 7,230 |
| Tier 1 risk-based capital ratio | 5.1099% | 7,242 |
| Total risk-based capital ratio | 6.3940% | 7,243 |
| Memoranda: | ||
| Average total assets | $142,068,600 | 3,938 |
| Average earning assets | $135,405,600 | 3,833 |
| Average equity | $6,008,200 | 6,157 |
| Average total loans | $109,854,000 | 3,391 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 5,540 |
| Cost of funding earning assets | 0.7055% | 5,729 |
| Net interest margin | 3.7152% | 4,267 |
| Noninterest income to average assets | -0.0055% | 7,125 |
| Noninterest expense to average assets | 2.4702% | 5,562 |
| Loan and lease loss provision to assets | 2.4949% | 179 |
| Net operating income to assets | -1.4219% | 7,022 |
| Return on assets (ROA) | -1.4219% | 7,037 |
| Pretax return on assets | -1.4219% | 6,998 |
| Return on Equity (ROE) | -33.3163% | 7,222 |
| Retained earnings to average equity (ytd only) | -33.3163% | 7,215 |
| Net charge-offs to loans | 6.7877% | 42 |
| Credit loss provision to net charge-offs | 47.4904% | 5,086 |
| Earnings coverage of net charge-offs (x) | 0.2043% | 5,443 |
| Efficiency ratio | 69.7158% | 3,998 |
| Assets per employee ($millions) | 6.3705% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6706% | 500 |
| Loan loss allowance to noncurrent loans | 26.7623% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 13.1842% | 186 |
| Noncurrent loans to loans | 13.7156% | 173 |
| Net loans and leases to total assets | 72.4640% | 1,620 |
| Net loans and leases to deposits | 75.6050% | 3,388 |
| Net loans and leases to core deposits | 76.8450% | 4,078 |
| Total domestic deposits to total assets | 95.8454% | 33 |
| Equity capital to assets | 3.8825% | 7,327 |
| Core capital (leverage) ratio | 3.4218% | 7,330 |
| Tier 1 risk-based capital ratio | 4.9525% | 7,324 |
| Total risk-based capital ratio | 6.2341% | 7,325 |
| Memoranda: | ||
| Average total assets | $145,627,250 | 3,899 |
| Average earning assets | $139,102,500 | 3,785 |
| Average equity | $6,215,000 | 6,143 |
| Average total loans | $112,711,250 | 3,359 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 5,353 |
| Cost of funding earning assets | 0.7241% | 5,810 |
| Net interest margin | 3.7763% | 3,904 |
| Noninterest income to average assets | -0.0695% | 7,269 |
| Noninterest expense to average assets | 2.4349% | 5,742 |
| Loan and lease loss provision to assets | 1.4040% | 520 |
| Net operating income to assets | -0.2821% | 6,544 |
| Return on assets (ROA) | -0.2821% | 6,575 |
| Pretax return on assets | -0.2821% | 6,520 |
| Return on Equity (ROE) | -6.4375% | 6,805 |
| Retained earnings to average equity (ytd only) | -6.4375% | 6,685 |
| Net charge-offs to loans | 5.1689% | 112 |
| Credit loss provision to net charge-offs | 34.8028% | 4,910 |
| Earnings coverage of net charge-offs (x) | 0.2781% | 5,102 |
| Efficiency ratio | 68.4586% | 4,429 |
| Assets per employee ($millions) | 7.1737% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3061% | 333 |
| Loan loss allowance to noncurrent loans | 36.5262% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 9.5230% | 429 |
| Noncurrent loans to loans | 11.7890% | 269 |
| Net loans and leases to total assets | 73.4189% | 1,515 |
| Net loans and leases to deposits | 77.1061% | 3,277 |
| Net loans and leases to core deposits | 79.5296% | 3,854 |
| Total domestic deposits to total assets | 95.2179% | 46 |
| Equity capital to assets | 4.5130% | 7,356 |
| Core capital (leverage) ratio | 4.1852% | 7,362 |
| Tier 1 risk-based capital ratio | 5.9662% | 7,364 |
| Total risk-based capital ratio | 7.2579% | 7,367 |
| Memoranda: | ||
| Average total assets | $149,576,000 | 3,855 |
| Average earning assets | $143,631,000 | 3,731 |
| Average equity | $6,555,330 | 6,067 |
| Average total loans | $116,736,000 | 3,302 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 5,586 |
| Cost of funding earning assets | 0.7619% | 5,793 |
| Net interest margin | 3.6677% | 4,256 |
| Noninterest income to average assets | -0.0655% | 7,370 |
| Noninterest expense to average assets | 2.5186% | 5,489 |
| Loan and lease loss provision to assets | 0.5844% | 1,477 |
| Net operating income to assets | 0.3512% | 5,170 |
| Return on assets (ROA) | 0.3512% | 5,251 |
| Pretax return on assets | 0.3512% | 5,501 |
| Return on Equity (ROE) | 8.1268% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.1268% | 1,683 |
| Net charge-offs to loans | 0.7662% | 1,680 |
| Credit loss provision to net charge-offs | 96.9565% | 2,812 |
| Earnings coverage of net charge-offs (x) | 1.5522% | 3,545 |
| Efficiency ratio | 72.9135% | 3,698 |
| Assets per employee ($millions) | 7.3974% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6536% | 128 |
| Loan loss allowance to noncurrent loans | 47.0043% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 10.1299% | 407 |
| Noncurrent loans to loans | 12.0278% | 277 |
| Net loans and leases to total assets | 75.5732% | 1,098 |
| Net loans and leases to deposits | 79.3951% | 2,829 |
| Net loans and leases to core deposits | 82.9616% | 3,315 |
| Total domestic deposits to total assets | 95.1861% | 53 |
| Equity capital to assets | 4.5002% | 7,410 |
| Core capital (leverage) ratio | 4.2721% | 7,412 |
| Tier 1 risk-based capital ratio | 5.9044% | 7,427 |
| Total risk-based capital ratio | 7.2149% | 7,430 |
| Memoranda: | ||
| Average total assets | $152,627,000 | 3,835 |
| Average earning assets | $146,468,000 | 3,706 |
| Average equity | $6,595,500 | 6,062 |
| Average total loans | $120,065,500 | 3,256 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 6,471 |
| Cost of funding earning assets | 1.0762% | 5,277 |
| Net interest margin | 3.3922% | 5,664 |
| Noninterest income to average assets | -0.2612% | 7,495 |
| Noninterest expense to average assets | 2.5480% | 5,621 |
| Loan and lease loss provision to assets | 3.5858% | 210 |
| Net operating income to assets | -3.1332% | 7,322 |
| Return on assets (ROA) | -2.8122% | 7,272 |
| Pretax return on assets | -2.8122% | 7,251 |
| Return on Equity (ROE) | -47.9752% | 7,409 |
| Retained earnings to average equity (ytd only) | -47.9752% | 7,405 |
| Net charge-offs to loans | 1.7621% | 1,206 |
| Credit loss provision to net charge-offs | 280.8736% | 966 |
| Earnings coverage of net charge-offs (x) | 0.3545% | 5,749 |
| Efficiency ratio | 84.9178% | 1,810 |
| Assets per employee ($millions) | 7.4908% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5146% | 140 |
| Loan loss allowance to noncurrent loans | 47.5135% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 9.5959% | 444 |
| Noncurrent loans to loans | 11.6065% | 317 |
| Net loans and leases to total assets | 73.0519% | 1,860 |
| Net loans and leases to deposits | 76.4703% | 3,769 |
| Net loans and leases to core deposits | 93.2971% | 2,343 |
| Total domestic deposits to total assets | 95.5297% | 48 |
| Equity capital to assets | 4.1531% | 7,501 |
| Core capital (leverage) ratio | 3.8114% | 7,510 |
| Tier 1 risk-based capital ratio | 5.6266% | 7,500 |
| Total risk-based capital ratio | 6.9346% | 7,502 |
| Memoranda: | ||
| Average total assets | $170,367,000 | 3,527 |
| Average earning assets | $163,818,200 | 3,380 |
| Average equity | $9,986,400 | 5,143 |
| Average total loans | $123,429,400 | 3,245 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5415% | 6,487 |
| Cost of funding earning assets | 1.1316% | 5,247 |
| Net interest margin | 3.4099% | 5,634 |
| Noninterest income to average assets | -0.2350% | 7,611 |
| Noninterest expense to average assets | 2.4826% | 5,772 |
| Loan and lease loss provision to assets | 2.8965% | 314 |
| Net operating income to assets | -2.3351% | 7,307 |
| Return on assets (ROA) | -1.9151% | 7,235 |
| Pretax return on assets | -1.9151% | 7,177 |
| Return on Equity (ROE) | -30.6482% | 7,397 |
| Retained earnings to average equity (ytd only) | -30.6482% | 7,389 |
| Net charge-offs to loans | 1.4411% | 1,413 |
| Credit loss provision to net charge-offs | 281.7028% | 1,154 |
| Earnings coverage of net charge-offs (x) | 0.5459% | 5,480 |
| Efficiency ratio | 81.5590% | 2,120 |
| Assets per employee ($millions) | 6.8621% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1989% | 315 |
| Loan loss allowance to noncurrent loans | 44.8987% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 7.4170% | 713 |
| Noncurrent loans to loans | 9.3519% | 489 |
| Net loans and leases to total assets | 69.2379% | 2,918 |
| Net loans and leases to deposits | 73.2300% | 4,646 |
| Net loans and leases to core deposits | 95.6476% | 2,302 |
| Total domestic deposits to total assets | 94.5486% | 49 |
| Equity capital to assets | 5.1646% | 7,564 |
| Core capital (leverage) ratio | 4.9455% | 7,547 |
| Tier 1 risk-based capital ratio | 7.3303% | 7,532 |
| Total risk-based capital ratio | 8.6193% | 7,532 |
| Memoranda: | ||
| Average total assets | $173,632,250 | 3,519 |
| Average earning assets | $166,958,250 | 3,376 |
| Average equity | $10,849,750 | 4,961 |
| Average total loans | $123,881,250 | 3,285 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7478% | 5,984 |
| Cost of funding earning assets | 1.1941% | 5,161 |
| Net interest margin | 3.5537% | 5,031 |
| Noninterest income to average assets | -0.2788% | 7,708 |
| Noninterest expense to average assets | 2.4827% | 5,779 |
| Loan and lease loss provision to assets | 0.6161% | 2,320 |
| Net operating income to assets | 0.0402% | 6,007 |
| Return on assets (ROA) | 0.3476% | 5,150 |
| Pretax return on assets | 0.3476% | 5,378 |
| Return on Equity (ROE) | 5.2636% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.2636% | 2,739 |
| Net charge-offs to loans | 0.6282% | 2,657 |
| Credit loss provision to net charge-offs | 138.0463% | 2,903 |
| Earnings coverage of net charge-offs (x) | 1.4704% | 4,386 |
| Efficiency ratio | 79.0936% | 2,562 |
| Assets per employee ($millions) | 6.8035% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3666% | 1,479 |
| Loan loss allowance to noncurrent loans | 34.1837% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 5.3530% | 1,169 |
| Noncurrent loans to loans | 6.9232% | 830 |
| Net loans and leases to total assets | 68.1239% | 3,334 |
| Net loans and leases to deposits | 73.3467% | 4,786 |
| Net loans and leases to core deposits | 94.7284% | 2,616 |
| Total domestic deposits to total assets | 92.8792% | 120 |
| Equity capital to assets | 6.8302% | 7,405 |
| Core capital (leverage) ratio | 6.4351% | 7,397 |
| Tier 1 risk-based capital ratio | 9.4948% | 7,264 |
| Total risk-based capital ratio | 10.7593% | 7,264 |
| Memoranda: | ||
| Average total assets | $174,325,670 | 3,530 |
| Average earning assets | $167,655,000 | 3,380 |
| Average equity | $11,513,000 | 4,799 |
| Average total loans | $123,846,670 | 3,324 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0592% | 4,737 |
| Cost of funding earning assets | 1.2467% | 5,130 |
| Net interest margin | 3.8125% | 3,742 |
| Noninterest income to average assets | -0.0370% | 7,720 |
| Noninterest expense to average assets | 2.5635% | 5,497 |
| Loan and lease loss provision to assets | 0.6172% | 2,061 |
| Net operating income to assets | 0.4369% | 4,680 |
| Return on assets (ROA) | 0.4369% | 4,809 |
| Pretax return on assets | 0.4369% | 5,174 |
| Return on Equity (ROE) | 6.7329% | 3,487 |
| Retained earnings to average equity (ytd only) | 6.7329% | 2,250 |
| Net charge-offs to loans | 0.7190% | 2,062 |
| Credit loss provision to net charge-offs | 119.7309% | 2,915 |
| Earnings coverage of net charge-offs (x) | 2.0448% | 3,520 |
| Efficiency ratio | 70.8626% | 4,144 |
| Assets per employee ($millions) | 7.5082% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2636% | 1,634 |
| Loan loss allowance to noncurrent loans | 41.9072% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 4.3846% | 1,551 |
| Noncurrent loans to loans | 5.4015% | 1,307 |
| Net loans and leases to total assets | 67.4978% | 3,507 |
| Net loans and leases to deposits | 72.2383% | 5,019 |
| Net loans and leases to core deposits | 92.0581% | 3,100 |
| Total domestic deposits to total assets | 93.4377% | 95 |
| Equity capital to assets | 6.2876% | 7,574 |
| Core capital (leverage) ratio | 6.4490% | 7,481 |
| Tier 1 risk-based capital ratio | 9.2779% | 7,400 |
| Total risk-based capital ratio | 10.5409% | 7,393 |
| Memoranda: | ||
| Average total assets | $173,043,000 | 3,611 |
| Average earning assets | $165,877,500 | 3,467 |
| Average equity | $11,228,500 | 4,916 |
| Average total loans | $124,057,000 | 3,381 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1298% | 5,959 |
| Cost of funding earning assets | 1.9721% | 3,092 |
| Net interest margin | 3.1577% | 6,208 |
| Noninterest income to average assets | -0.0963% | 7,802 |
| Noninterest expense to average assets | 2.5614% | 5,918 |
| Loan and lease loss provision to assets | 4.8383% | 212 |
| Net operating income to assets | -4.4646% | 7,675 |
| Return on assets (ROA) | -4.4646% | 7,676 |
| Pretax return on assets | -4.4646% | 7,635 |
| Return on Equity (ROE) | -46.2075% | 7,642 |
| Retained earnings to average equity (ytd only) | -46.2075% | 7,631 |
| Net charge-offs to loans | 5.7788% | 185 |
| Credit loss provision to net charge-offs | 108.0208% | 5,128 |
| Earnings coverage of net charge-offs (x) | 0.0834% | 6,076 |
| Efficiency ratio | 87.2669% | 1,957 |
| Assets per employee ($millions) | 6.3803% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2423% | 1,577 |
| Loan loss allowance to noncurrent loans | 43.1327% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 4.7628% | 1,324 |
| Noncurrent loans to loans | 5.1986% | 1,276 |
| Net loans and leases to total assets | 72.8770% | 2,539 |
| Net loans and leases to deposits | 78.3582% | 4,307 |
| Net loans and leases to core deposits | 142.4255% | 723 |
| Total domestic deposits to total assets | 93.0050% | 123 |
| Equity capital to assets | 6.7075% | 7,499 |
| Core capital (leverage) ratio | 6.7366% | 7,393 |
| Tier 1 risk-based capital ratio | 9.1229% | 7,413 |
| Total risk-based capital ratio | 10.3859% | 7,425 |
| Memoranda: | ||
| Average total assets | $158,939,000 | 3,792 |
| Average earning assets | $152,578,200 | 3,663 |
| Average equity | $15,356,800 | 4,002 |
| Average total loans | $123,192,000 | 3,415 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 5,887 |
| Cost of funding earning assets | 2.1110% | 2,843 |
| Net interest margin | 3.0867% | 6,348 |
| Noninterest income to average assets | -0.0975% | 7,928 |
| Noninterest expense to average assets | 2.5470% | 5,908 |
| Loan and lease loss provision to assets | 3.4528% | 384 |
| Net operating income to assets | -3.1297% | 7,619 |
| Return on assets (ROA) | -3.1297% | 7,625 |
| Pretax return on assets | -3.1297% | 7,536 |
| Return on Equity (ROE) | -29.9732% | 7,606 |
| Retained earnings to average equity (ytd only) | -29.9732% | 7,594 |
| Net charge-offs to loans | 3.1222% | 517 |
| Credit loss provision to net charge-offs | 141.2561% | 3,477 |
| Earnings coverage of net charge-offs (x) | 0.1322% | 5,898 |
| Efficiency ratio | 88.7411% | 1,800 |
| Assets per employee ($millions) | 6.0069% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7106% | 871 |
| Loan loss allowance to noncurrent loans | 43.9875% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 5.0029% | 1,173 |
| Noncurrent loans to loans | 6.1622% | 948 |
| Net loans and leases to total assets | 75.0430% | 2,234 |
| Net loans and leases to deposits | 82.7171% | 3,887 |
| Net loans and leases to core deposits | 126.2670% | 1,712 |
| Total domestic deposits to total assets | 90.7224% | 505 |
| Equity capital to assets | 8.9539% | 5,550 |
| Core capital (leverage) ratio | 8.7584% | 5,036 |
| Tier 1 risk-based capital ratio | 11.9278% | 5,035 |
| Total risk-based capital ratio | 13.1969% | 4,956 |
| Memoranda: | ||
| Average total assets | $157,201,500 | 3,851 |
| Average earning assets | $151,138,750 | 3,703 |
| Average equity | $16,414,250 | 3,831 |
| Average total loans | $123,073,000 | 3,446 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2847% | 5,727 |
| Cost of funding earning assets | 2.2292% | 2,669 |
| Net interest margin | 3.0556% | 6,377 |
| Noninterest income to average assets | -0.1852% | 8,065 |
| Noninterest expense to average assets | 2.5691% | 5,863 |
| Loan and lease loss provision to assets | 3.5849% | 390 |
| Net operating income to assets | -3.4011% | 7,749 |
| Return on assets (ROA) | -3.4011% | 7,752 |
| Pretax return on assets | -3.4011% | 7,663 |
| Return on Equity (ROE) | -31.0355% | 7,727 |
| Retained earnings to average equity (ytd only) | -31.0355% | 7,700 |
| Net charge-offs to loans | 1.1258% | 1,616 |
| Credit loss provision to net charge-offs | 404.6444% | 1,146 |
| Earnings coverage of net charge-offs (x) | 0.2075% | 5,463 |
| Efficiency ratio | 93.3209% | 1,546 |
| Assets per employee ($millions) | 5.9144% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3784% | 415 |
| Loan loss allowance to noncurrent loans | 51.6513% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 5.2145% | 988 |
| Noncurrent loans to loans | 6.5408% | 801 |
| Net loans and leases to total assets | 77.0286% | 1,942 |
| Net loans and leases to deposits | 85.6595% | 3,608 |
| Net loans and leases to core deposits | 136.0140% | 1,207 |
| Total domestic deposits to total assets | 89.9242% | 860 |
| Equity capital to assets | 9.7433% | 4,290 |
| Core capital (leverage) ratio | 9.7981% | 3,523 |
| Tier 1 risk-based capital ratio | 12.3650% | 4,627 |
| Total risk-based capital ratio | 13.6421% | 4,534 |
| Memoranda: | ||
| Average total assets | $155,539,670 | 3,915 |
| Average earning assets | $149,563,330 | 3,755 |
| Average equity | $17,045,000 | 3,705 |
| Average total loans | $122,397,000 | 3,482 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3242% | 5,792 |
| Cost of funding earning assets | 2.3796% | 2,382 |
| Net interest margin | 2.9446% | 6,628 |
| Noninterest income to average assets | -0.4509% | 8,192 |
| Noninterest expense to average assets | 2.4240% | 6,117 |
| Loan and lease loss provision to assets | 2.0409% | 589 |
| Net operating income to assets | -2.0904% | 7,685 |
| Return on assets (ROA) | -2.0904% | 7,683 |
| Pretax return on assets | -2.0904% | 7,558 |
| Return on Equity (ROE) | -18.0346% | 7,710 |
| Retained earnings to average equity (ytd only) | -18.0346% | 7,585 |
| Net charge-offs to loans | 0.1334% | 3,891 |
| Credit loss provision to net charge-offs | 1,957.5000% | 330 |
| Earnings coverage of net charge-offs (x) | -0.4750% | 5,243 |
| Efficiency ratio | 102.0856% | 1,049 |
| Assets per employee ($millions) | 5.5796% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3960% | 854 |
| Loan loss allowance to noncurrent loans | 54.2158% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 3.4770% | 1,550 |
| Noncurrent loans to loans | 4.4194% | 1,316 |
| Net loans and leases to total assets | 76.7910% | 2,088 |
| Net loans and leases to deposits | 86.6728% | 3,528 |
| Net loans and leases to core deposits | 127.4124% | 1,832 |
| Total domestic deposits to total assets | 88.5987% | 1,428 |
| Equity capital to assets | 11.1324% | 2,869 |
| Core capital (leverage) ratio | 11.2790% | 2,291 |
| Tier 1 risk-based capital ratio | 14.1225% | 3,511 |
| Total risk-based capital ratio | 15.3867% | 3,436 |
| Memoranda: | ||
| Average total assets | $153,464,500 | 3,951 |
| Average earning assets | $147,252,500 | 3,807 |
| Average equity | $17,788,000 | 3,596 |
| Average total loans | $119,941,500 | 3,558 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2670% | 4,145 |
| Cost of funding earning assets | 3.0000% | 1,862 |
| Net interest margin | 3.2671% | 6,153 |
| Noninterest income to average assets | 0.0789% | 7,747 |
| Noninterest expense to average assets | 2.9262% | 4,351 |
| Loan and lease loss provision to assets | 1.2246% | 1,172 |
| Net operating income to assets | -0.9380% | 7,212 |
| Return on assets (ROA) | -0.9380% | 7,136 |
| Pretax return on assets | -0.9380% | 6,964 |
| Return on Equity (ROE) | -7.0873% | 7,056 |
| Retained earnings to average equity (ytd only) | -9.2748% | 6,996 |
| Net charge-offs to loans | 0.9303% | 1,329 |
| Credit loss provision to net charge-offs | 166.8639% | 3,077 |
| Earnings coverage of net charge-offs (x) | 0.3905% | 5,998 |
| Efficiency ratio | 91.0791% | 1,437 |
| Assets per employee ($millions) | 5.3822% | 1,550 |
| Cash dividends to net income (ytd only)* | -30.8642% | 8,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8826% | 1,458 |
| Loan loss allowance to noncurrent loans | 123.1544% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 2.3291% | 2,087 |
| Noncurrent loans to loans | 1.5286% | 3,498 |
| Net loans and leases to total assets | 76.1554% | 2,575 |
| Net loans and leases to deposits | 86.8624% | 3,984 |
| Net loans and leases to core deposits | 112.7765% | 3,476 |
| Total domestic deposits to total assets | 87.6736% | 1,623 |
| Equity capital to assets | 12.0663% | 2,252 |
| Core capital (leverage) ratio | 12.1935% | 1,882 |
| Tier 1 risk-based capital ratio | 15.6284% | 2,806 |
| Total risk-based capital ratio | 16.8864% | 2,728 |
| Memoranda: | ||
| Average total assets | $138,165,800 | 4,116 |
| Average earning assets | $132,535,000 | 3,999 |
| Average equity | $18,286,200 | 3,507 |
| Average total loans | $108,997,400 | 3,703 |