| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.5787% | 184 |
| Cost of funding earning assets | 3.1948% | 207 |
| Net interest margin | 4.3839% | 759 |
| Noninterest income to average assets | 0.0800% | 4,206 |
| Noninterest expense to average assets | 3.2097% | 867 |
| Loan and lease loss provision to assets | 0.6600% | 139 |
| Net operating income to assets | 0.2071% | 3,963 |
| Return on assets (ROA) | 0.2071% | 3,996 |
| Pretax return on assets | 0.2353% | 4,004 |
| Return on Equity (ROE) | 0.7900% | 4,112 |
| Retained earnings to average equity (ytd only) | 0.7933% | 3,540 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 74.5413% | 1,381 |
| Assets per employee ($millions) | 7.1536% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5648% | 873 |
| Loan loss allowance to noncurrent loans | 133.6957% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 1,021 |
| Noncurrent loans to loans | 1.1704% | 908 |
| Net loans and leases to total assets | 62.6200% | 2,641 |
| Net loans and leases to deposits | 90.9959% | 1,013 |
| Net loans and leases to core deposits | 116.3048% | 651 |
| Total domestic deposits to total assets | 68.8200% | 4,218 |
| Equity capital to assets | 27.3177% | 177 |
| Core capital (leverage) ratio | 25.8377% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: |
| Average total assets | $127,488,000 | 3,561 |
| Average earning assets | $117,065,000 | 3,561 |
| Average equity | $33,277,500 | 2,297 |
| Average total loans | $81,256,500 | 3,427 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5051% | 4,472 |
| Cost of funding earning assets | 1.0385% | 3,999 |
| Net interest margin | 1.4666% | 4,383 |
| Noninterest income to average assets | 0.0200% | 4,417 |
| Noninterest expense to average assets | 1.1185% | 4,387 |
| Loan and lease loss provision to assets | 1.2700% | 57 |
| Net operating income to assets | -0.7435% | 4,380 |
| Return on assets (ROA) | -0.7435% | 4,411 |
| Pretax return on assets | -0.9677% | 4,424 |
| Return on Equity (ROE) | -4.0700% | 4,333 |
| Retained earnings to average equity (ytd only) | -4.0688% | 4,251 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 74.4102% | 1,504 |
| Assets per employee ($millions) | 7.9371% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2785% | 1,773 |
| Loan loss allowance to noncurrent loans | 82.3830% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.9869% | 676 |
| Noncurrent loans to loans | 1.5519% | 609 |
| Net loans and leases to total assets | 62.7800% | 2,687 |
| Net loans and leases to deposits | 88.1459% | 1,384 |
| Net loans and leases to core deposits | 110.3474% | 920 |
| Total domestic deposits to total assets | 71.2200% | 4,177 |
| Equity capital to assets | 24.7151% | 198 |
| Core capital (leverage) ratio | 23.7871% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $77,605,200 | 3,978 |
| Average earning assets | $74,050,400 | 3,938 |
| Average equity | $14,181,200 | 3,399 |
| Average total loans | $58,380,400 | 3,715 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1567% | 1,043 |
| Cost of funding earning assets | 3.3946% | 247 |
| Net interest margin | 2.7621% | 3,508 |
| Noninterest income to average assets | 0.1500% | 4,001 |
| Noninterest expense to average assets | 4.2115% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -1.1421% | 4,442 |
| Return on assets (ROA) | -1.1421% | 4,470 |
| Pretax return on assets | -1.3979% | 4,480 |
| Return on Equity (ROE) | -7.4100% | 4,430 |
| Retained earnings to average equity (ytd only) | -7.4056% | 4,393 |
| Net charge-offs to loans | 0.0247% | 1,844 |
| Credit loss provision to net charge-offs | 100.0000% | 1,657 |
| Earnings coverage of net charge-offs (x) | -70.5000% | 4,525 |
| Efficiency ratio | 149.6829% | 77 |
| Assets per employee ($millions) | 7.4846% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9691% | 3,390 |
| Loan loss allowance to noncurrent loans | 1,560.6061% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,389 |
| Noncurrent loans to loans | 0.0621% | 3,391 |
| Net loans and leases to total assets | 78.1300% | 870 |
| Net loans and leases to deposits | 103.7313% | 330 |
| Net loans and leases to core deposits | 139.2738% | 264 |
| Total domestic deposits to total assets | 75.3200% | 3,976 |
| Equity capital to assets | 14.9226% | 586 |
| Core capital (leverage) ratio | 15.1374% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $67,242,250 | 4,089 |
| Average earning assets | $64,924,750 | 4,047 |
| Average equity | $10,370,250 | 3,745 |
| Average total loans | $54,047,000 | 3,773 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0686% | 1,076 |
| Cost of funding earning assets | 3.3547% | 236 |
| Net interest margin | 2.7139% | 3,561 |
| Noninterest income to average assets | 0.1400% | 4,045 |
| Noninterest expense to average assets | 3.0207% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.2053% | 4,348 |
| Return on assets (ROA) | -0.2053% | 4,372 |
| Pretax return on assets | -0.2619% | 4,370 |
| Return on Equity (ROE) | -1.3200% | 4,322 |
| Retained earnings to average equity (ytd only) | -1.3173% | 4,091 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 109.4930% | 191 |
| Assets per employee ($millions) | 7.6447% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9563% | 3,485 |
| Loan loss allowance to noncurrent loans | 1,144.4444% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,217 |
| Noncurrent loans to loans | 0.0836% | 3,242 |
| Net loans and leases to total assets | 77.5200% | 960 |
| Net loans and leases to deposits | 107.3026% | 276 |
| Net loans and leases to core deposits | 145.0782% | 205 |
| Total domestic deposits to total assets | 72.2500% | 4,167 |
| Equity capital to assets | 15.1609% | 558 |
| Core capital (leverage) ratio | 15.7175% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $67,202,667 | 4,101 |
| Average earning assets | $64,924,333 | 4,058 |
| Average equity | $10,476,333 | 3,724 |
| Average total loans | $54,349,000 | 3,777 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0035% | 1,055 |
| Cost of funding earning assets | 3.2729% | 252 |
| Net interest margin | 2.7305% | 3,506 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 2.6746% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0783% | 4,137 |
| Return on assets (ROA) | 0.0783% | 4,177 |
| Pretax return on assets | 0.1084% | 4,151 |
| Return on Equity (ROE) | 0.5000% | 4,200 |
| Retained earnings to average equity (ytd only) | 0.4953% | 3,593 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 96.1039% | 392 |
| Assets per employee ($millions) | 7.5754% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9176% | 3,637 |
| Loan loss allowance to noncurrent loans | 4,291.6667% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,647 |
| Noncurrent loans to loans | 0.0214% | 3,636 |
| Net loans and leases to total assets | 81.5700% | 463 |
| Net loans and leases to deposits | 109.9247% | 190 |
| Net loans and leases to core deposits | 147.7118% | 216 |
| Total domestic deposits to total assets | 74.2000% | 4,117 |
| Equity capital to assets | 15.4344% | 506 |
| Core capital (leverage) ratio | 16.1829% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $66,403,000 | 4,134 |
| Average earning assets | $64,163,000 | 4,089 |
| Average equity | $10,499,000 | 3,733 |
| Average total loans | $54,597,000 | 3,790 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4771% | 1,193 |
| Cost of funding earning assets | 2.8124% | 206 |
| Net interest margin | 2.6648% | 3,875 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.9388% | 1,206 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7600% | 3,014 |
| Return on assets (ROA) | 0.7600% | 2,987 |
| Pretax return on assets | -0.2795% | 4,449 |
| Return on Equity (ROE) | 4.6600% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.6566% | 2,733 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 108.8378% | 118 |
| Assets per employee ($millions) | 7.1808% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9705% | 3,457 |
| Loan loss allowance to noncurrent loans | 4,291.6667% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,619 |
| Noncurrent loans to loans | 0.0226% | 3,581 |
| Net loans and leases to total assets | 81.3200% | 497 |
| Net loans and leases to deposits | 111.4027% | 177 |
| Net loans and leases to core deposits | 144.2943% | 239 |
| Total domestic deposits to total assets | 72.9900% | 4,169 |
| Equity capital to assets | 16.2084% | 446 |
| Core capital (leverage) ratio | 16.4956% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $61,181,200 | 4,200 |
| Average earning assets | $59,629,800 | 4,143 |
| Average equity | $9,985,800 | 3,721 |
| Average total loans | $49,405,800 | 3,850 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2361% | 1,385 |
| Cost of funding earning assets | 2.6927% | 195 |
| Net interest margin | 2.5434% | 4,098 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.5309% | 2,130 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.0420% | 4,353 |
| Return on assets (ROA) | 0.0420% | 4,374 |
| Pretax return on assets | 0.0420% | 4,363 |
| Return on Equity (ROE) | 0.2600% | 4,368 |
| Retained earnings to average equity (ytd only) | 0.2568% | 4,074 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.5298% | 207 |
| Assets per employee ($millions) | 7.1664% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9438% | 3,582 |
| Loan loss allowance to noncurrent loans | 42.8816% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.8078% | 171 |
| Noncurrent loans to loans | 2.2010% | 244 |
| Net loans and leases to total assets | 81.3600% | 492 |
| Net loans and leases to deposits | 110.0890% | 197 |
| Net loans and leases to core deposits | 165.7245% | 86 |
| Total domestic deposits to total assets | 73.9000% | 4,167 |
| Equity capital to assets | 15.1183% | 525 |
| Core capital (leverage) ratio | 16.9595% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $60,319,750 | 4,228 |
| Average earning assets | $58,922,500 | 4,170 |
| Average equity | $9,863,500 | 3,736 |
| Average total loans | $48,490,500 | 3,870 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1006% | 1,374 |
| Cost of funding earning assets | 2.5503% | 175 |
| Net interest margin | 2.5503% | 4,157 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.6100% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0034% | 4,414 |
| Return on assets (ROA) | 0.0034% | 4,450 |
| Pretax return on assets | 0.0034% | 4,441 |
| Return on Equity (ROE) | 0.0200% | 4,438 |
| Retained earnings to average equity (ytd only) | 0.0202% | 4,066 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 99.8701% | 173 |
| Assets per employee ($millions) | 6.8657% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9415% | 3,654 |
| Loan loss allowance to noncurrent loans | 336.9565% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 2,073 |
| Noncurrent loans to loans | 0.2794% | 2,145 |
| Net loans and leases to total assets | 79.1800% | 717 |
| Net loans and leases to deposits | 108.8333% | 227 |
| Net loans and leases to core deposits | 132.3970% | 294 |
| Total domestic deposits to total assets | 72.7500% | 4,263 |
| Equity capital to assets | 15.8162% | 461 |
| Core capital (leverage) ratio | 16.2865% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $58,927,000 | 4,259 |
| Average earning assets | $57,562,333 | 4,211 |
| Average equity | $9,901,000 | 3,756 |
| Average total loans | $46,995,667 | 3,906 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8237% | 1,572 |
| Cost of funding earning assets | 2.2159% | 189 |
| Net interest margin | 2.6078% | 4,195 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.6089% | 1,924 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0348% | 4,461 |
| Return on assets (ROA) | 0.0348% | 4,447 |
| Pretax return on assets | 0.0487% | 4,429 |
| Return on Equity (ROE) | 0.2000% | 4,437 |
| Retained earnings to average equity (ytd only) | 0.2007% | 3,989 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.1675% | 200 |
| Assets per employee ($millions) | 5.8673% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9789% | 3,604 |
| Loan loss allowance to noncurrent loans | 327.3381% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 1,930 |
| Noncurrent loans to loans | 0.2991% | 2,075 |
| Net loans and leases to total assets | 78.4400% | 720 |
| Net loans and leases to deposits | 113.1475% | 137 |
| Net loans and leases to core deposits | 129.9187% | 277 |
| Total domestic deposits to total assets | 69.3300% | 4,433 |
| Equity capital to assets | 16.9806% | 344 |
| Core capital (leverage) ratio | 18.0045% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $57,495,000 | 4,331 |
| Average earning assets | $56,139,500 | 4,283 |
| Average equity | $9,965,000 | 3,791 |
| Average total loans | $45,798,000 | 3,965 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2032% | 1,238 |
| Cost of funding earning assets | 1.1292% | 94 |
| Net interest margin | 3.0740% | 3,248 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.7339% | 1,482 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.3749% | 4,274 |
| Return on assets (ROA) | 0.3749% | 4,241 |
| Pretax return on assets | 0.3877% | 4,289 |
| Return on Equity (ROE) | 2.0200% | 4,383 |
| Retained earnings to average equity (ytd only) | 2.0245% | 3,971 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.4269% | 376 |
| Assets per employee ($millions) | 6.2574% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9265% | 3,683 |
| Loan loss allowance to noncurrent loans | 720.6897% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 2,818 |
| Noncurrent loans to loans | 0.1286% | 2,866 |
| Net loans and leases to total assets | 79.3700% | 659 |
| Net loans and leases to deposits | 104.6424% | 274 |
| Net loans and leases to core deposits | 119.3092% | 382 |
| Total domestic deposits to total assets | 75.8500% | 4,262 |
| Equity capital to assets | 17.6980% | 309 |
| Core capital (leverage) ratio | 18.1354% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $54,684,600 | 4,391 |
| Average earning assets | $53,577,800 | 4,335 |
| Average equity | $10,126,200 | 3,857 |
| Average total loans | $42,674,000 | 4,014 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0073% | 1,255 |
| Cost of funding earning assets | 0.8897% | 108 |
| Net interest margin | 3.1176% | 2,876 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.7292% | 1,404 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.4102% | 4,222 |
| Return on assets (ROA) | 0.4102% | 4,166 |
| Pretax return on assets | 0.4250% | 4,241 |
| Return on Equity (ROE) | 2.1900% | 4,387 |
| Retained earnings to average equity (ytd only) | 2.1903% | 3,982 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.3248% | 451 |
| Assets per employee ($millions) | 6.6409% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9660% | 3,632 |
| Loan loss allowance to noncurrent loans | 2,322.2222% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,623 |
| Noncurrent loans to loans | 0.0416% | 3,590 |
| Net loans and leases to total assets | 71.7000% | 1,321 |
| Net loans and leases to deposits | 90.3923% | 865 |
| Net loans and leases to core deposits | 107.7408% | 541 |
| Total domestic deposits to total assets | 79.3200% | 4,155 |
| Equity capital to assets | 16.6644% | 342 |
| Core capital (leverage) ratio | 18.8611% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $54,276,500 | 4,429 |
| Average earning assets | $53,201,250 | 4,373 |
| Average equity | $10,166,000 | 3,897 |
| Average total loans | $42,063,500 | 4,050 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0115% | 917 |
| Cost of funding earning assets | 0.7937% | 104 |
| Net interest margin | 3.2177% | 2,133 |
| Noninterest income to average assets | 0.1068% | 4,455 |
| Noninterest expense to average assets | 2.7762% | 1,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4691% | 3,970 |
| Return on assets (ROA) | 0.4691% | 3,919 |
| Pretax return on assets | 0.4843% | 4,027 |
| Return on Equity (ROE) | 2.4036% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.4036% | 3,645 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1462% | 617 |
| Assets per employee ($millions) | 5.9234% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9908% | 3,640 |
| Loan loss allowance to noncurrent loans | 2,189.4737% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 3,626 |
| Noncurrent loans to loans | 0.0453% | 3,607 |
| Net loans and leases to total assets | 77.9764% | 556 |
| Net loans and leases to deposits | 96.6025% | 405 |
| Net loans and leases to core deposits | 102.8960% | 554 |
| Total domestic deposits to total assets | 80.7188% | 4,170 |
| Equity capital to assets | 19.0392% | 194 |
| Core capital (leverage) ratio | 19.7522% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $52,446,000 | 4,485 |
| Average earning assets | $51,402,667 | 4,450 |
| Average equity | $10,234,667 | 3,958 |
| Average total loans | $41,660,333 | 4,113 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9562% | 843 |
| Cost of funding earning assets | 0.8007% | 88 |
| Net interest margin | 3.1555% | 2,007 |
| Noninterest income to average assets | 0.1154% | 4,429 |
| Noninterest expense to average assets | 2.8300% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3614% | 4,038 |
| Return on assets (ROA) | 0.3614% | 4,001 |
| Pretax return on assets | 0.3768% | 4,075 |
| Return on Equity (ROE) | 1.8293% | 4,280 |
| Retained earnings to average equity (ytd only) | 1.8293% | 3,585 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2494% | 620 |
| Assets per employee ($millions) | 5.9172% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9717% | 3,828 |
| Loan loss allowance to noncurrent loans | 2,080.0000% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 3,662 |
| Noncurrent loans to loans | 0.0467% | 3,642 |
| Net loans and leases to total assets | 79.6057% | 255 |
| Net loans and leases to deposits | 98.8505% | 205 |
| Net loans and leases to core deposits | 105.4472% | 359 |
| Total domestic deposits to total assets | 80.5314% | 4,248 |
| Equity capital to assets | 19.2207% | 188 |
| Core capital (leverage) ratio | 19.7505% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $52,013,500 | 4,519 |
| Average earning assets | $50,958,000 | 4,475 |
| Average equity | $10,277,000 | 4,022 |
| Average total loans | $41,497,500 | 4,134 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9586% | 1,462 |
| Cost of funding earning assets | 0.9911% | 76 |
| Net interest margin | 2.9674% | 3,276 |
| Noninterest income to average assets | 0.0992% | 4,609 |
| Noninterest expense to average assets | 2.5190% | 2,126 |
| Loan and lease loss provision to assets | 0.0935% | 1,334 |
| Net operating income to assets | 0.3549% | 4,338 |
| Return on assets (ROA) | 0.3549% | 4,367 |
| Pretax return on assets | 0.3778% | 4,418 |
| Return on Equity (ROE) | 1.8219% | 4,522 |
| Retained earnings to average equity (ytd only) | 1.8219% | 4,035 |
| Net charge-offs to loans | 0.1017% | 846 |
| Credit loss provision to net charge-offs | 122.5000% | 1,632 |
| Earnings coverage of net charge-offs (x) | 6.1750% | 2,413 |
| Efficiency ratio | 84.2374% | 560 |
| Assets per employee ($millions) | 5.6413% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0352% | 3,612 |
| Loan loss allowance to noncurrent loans | 2,080.0000% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,730 |
| Noncurrent loans to loans | 0.0498% | 3,723 |
| Net loans and leases to total assets | 78.3286% | 361 |
| Net loans and leases to deposits | 98.5968% | 227 |
| Net loans and leases to core deposits | 105.6141% | 377 |
| Total domestic deposits to total assets | 79.4434% | 4,269 |
| Equity capital to assets | 20.3222% | 171 |
| Core capital (leverage) ratio | 19.1176% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $52,402,200 | 4,539 |
| Average earning assets | $51,054,000 | 4,496 |
| Average equity | $10,209,200 | 4,104 |
| Average total loans | $39,338,000 | 4,208 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9439% | 1,656 |
| Cost of funding earning assets | 0.9964% | 86 |
| Net interest margin | 2.9476% | 3,444 |
| Noninterest income to average assets | 0.0934% | 4,692 |
| Noninterest expense to average assets | 2.5752% | 1,911 |
| Loan and lease loss provision to assets | 0.1231% | 951 |
| Net operating income to assets | 0.2373% | 4,592 |
| Return on assets (ROA) | 0.2373% | 4,616 |
| Pretax return on assets | 0.2626% | 4,620 |
| Return on Equity (ROE) | 1.2309% | 4,676 |
| Retained earnings to average equity (ytd only) | 1.2309% | 4,365 |
| Net charge-offs to loans | 0.1363% | 596 |
| Credit loss provision to net charge-offs | 122.5000% | 1,451 |
| Earnings coverage of net charge-offs (x) | 3.8250% | 2,289 |
| Efficiency ratio | 86.9565% | 402 |
| Assets per employee ($millions) | 6.0421% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0629% | 3,607 |
| Loan loss allowance to noncurrent loans | 290.9091% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 2,455 |
| Noncurrent loans to loans | 0.3654% | 2,475 |
| Net loans and leases to total assets | 71.2113% | 958 |
| Net loans and leases to deposits | 87.9711% | 716 |
| Net loans and leases to core deposits | 96.4675% | 729 |
| Total domestic deposits to total assets | 80.9485% | 4,100 |
| Equity capital to assets | 18.7977% | 235 |
| Core capital (leverage) ratio | 18.7370% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $52,809,750 | 4,593 |
| Average earning assets | $51,386,000 | 4,554 |
| Average equity | $10,182,000 | 4,161 |
| Average total loans | $39,126,250 | 4,271 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9790% | 1,619 |
| Cost of funding earning assets | 1.0174% | 100 |
| Net interest margin | 2.9616% | 3,414 |
| Noninterest income to average assets | 0.0918% | 4,724 |
| Noninterest expense to average assets | 2.6010% | 1,848 |
| Loan and lease loss provision to assets | 0.1836% | 624 |
| Net operating income to assets | 0.1645% | 4,657 |
| Return on assets (ROA) | 0.1645% | 4,677 |
| Pretax return on assets | 0.1798% | 4,684 |
| Return on Equity (ROE) | 0.8457% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.8457% | 4,375 |
| Net charge-offs to loans | 0.2045% | 420 |
| Credit loss provision to net charge-offs | 120.0000% | 1,258 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 2,124 |
| Efficiency ratio | 87.7419% | 408 |
| Assets per employee ($millions) | 6.6258% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0112% | 3,782 |
| Loan loss allowance to noncurrent loans | 287.5000% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 2,573 |
| Noncurrent loans to loans | 0.3517% | 2,645 |
| Net loans and leases to total assets | 76.4555% | 551 |
| Net loans and leases to deposits | 96.0446% | 381 |
| Net loans and leases to core deposits | 105.7595% | 476 |
| Total domestic deposits to total assets | 79.6042% | 4,282 |
| Equity capital to assets | 19.2016% | 218 |
| Core capital (leverage) ratio | 18.8304% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $52,286,667 | 4,631 |
| Average earning assets | $50,716,667 | 4,591 |
| Average equity | $10,168,667 | 4,181 |
| Average total loans | $39,121,667 | 4,301 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8691% | 1,910 |
| Cost of funding earning assets | 1.0249% | 118 |
| Net interest margin | 2.8443% | 3,655 |
| Noninterest income to average assets | 0.0693% | 4,797 |
| Noninterest expense to average assets | 2.6268% | 1,812 |
| Loan and lease loss provision to assets | 0.0385% | 2,262 |
| Net operating income to assets | 0.1387% | 4,679 |
| Return on assets (ROA) | 0.1387% | 4,701 |
| Pretax return on assets | 0.1618% | 4,695 |
| Return on Equity (ROE) | 0.7084% | 4,732 |
| Retained earnings to average equity (ytd only) | 0.7084% | 4,267 |
| Net charge-offs to loans | 0.4187% | 197 |
| Credit loss provision to net charge-offs | 12.5000% | 1,442 |
| Earnings coverage of net charge-offs (x) | 0.6500% | 1,882 |
| Efficiency ratio | 92.9155% | 303 |
| Assets per employee ($millions) | 6.5626% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9726% | 3,957 |
| Loan loss allowance to noncurrent loans | 309.9174% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 2,997 |
| Noncurrent loans to loans | 0.3138% | 2,978 |
| Net loans and leases to total assets | 72.7281% | 930 |
| Net loans and leases to deposits | 91.4410% | 622 |
| Net loans and leases to core deposits | 100.7919% | 682 |
| Total domestic deposits to total assets | 79.5356% | 4,262 |
| Equity capital to assets | 19.3844% | 206 |
| Core capital (leverage) ratio | 19.4186% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9183% | 183 |
| Memoranda: |
| Average total assets | $51,927,000 | 4,651 |
| Average earning assets | $50,347,000 | 4,612 |
| Average equity | $10,164,000 | 4,195 |
| Average total loans | $38,212,500 | 4,337 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3270% | 1,778 |
| Cost of funding earning assets | 1.2535% | 219 |
| Net interest margin | 3.0735% | 3,694 |
| Noninterest income to average assets | 0.0834% | 4,790 |
| Noninterest expense to average assets | 2.8992% | 1,687 |
| Loan and lease loss provision to assets | 0.0093% | 4,242 |
| Net operating income to assets | 0.1298% | 4,646 |
| Return on assets (ROA) | 0.1298% | 4,688 |
| Pretax return on assets | 0.1298% | 4,688 |
| Return on Equity (ROE) | 0.9244% | 4,682 |
| Retained earnings to average equity (ytd only) | 0.9244% | 4,250 |
| Net charge-offs to loans | 0.0278% | 2,478 |
| Credit loss provision to net charge-offs | 44.4444% | 3,170 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,759 |
| Efficiency ratio | 95.4233% | 237 |
| Assets per employee ($millions) | 6.4191% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0748% | 3,582 |
| Loan loss allowance to noncurrent loans | 238.0117% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 2,658 |
| Noncurrent loans to loans | 0.4516% | 2,618 |
| Net loans and leases to total assets | 72.9461% | 1,166 |
| Net loans and leases to deposits | 92.0529% | 772 |
| Net loans and leases to core deposits | 101.7327% | 824 |
| Total domestic deposits to total assets | 79.2437% | 4,173 |
| Equity capital to assets | 19.7671% | 208 |
| Core capital (leverage) ratio | 20.9372% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7544% | 144 |
| Memoranda: |
| Average total assets | $43,149,200 | 4,732 |
| Average earning assets | $41,483,800 | 4,700 |
| Average equity | $6,057,800 | 4,639 |
| Average total loans | $32,408,200 | 4,474 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4675% | 1,656 |
| Cost of funding earning assets | 1.3233% | 221 |
| Net interest margin | 3.1442% | 3,635 |
| Noninterest income to average assets | 0.0876% | 4,797 |
| Noninterest expense to average assets | 2.9749% | 1,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1265% | 4,674 |
| Return on assets (ROA) | 0.1265% | 4,704 |
| Pretax return on assets | 0.1265% | 4,706 |
| Return on Equity (ROE) | 1.0328% | 4,706 |
| Retained earnings to average equity (ytd only) | 1.0328% | 4,247 |
| Net charge-offs to loans | 0.0387% | 2,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 2,834 |
| Efficiency ratio | 95.9205% | 227 |
| Assets per employee ($millions) | 5.5088% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2751% | 2,268 |
| Loan loss allowance to noncurrent loans | 1,218.1818% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 4,106 |
| Noncurrent loans to loans | 0.1047% | 3,948 |
| Net loans and leases to total assets | 62.7766% | 2,910 |
| Net loans and leases to deposits | 70.7123% | 3,245 |
| Net loans and leases to core deposits | 77.5309% | 3,054 |
| Total domestic deposits to total assets | 88.7775% | 869 |
| Equity capital to assets | 10.1656% | 3,091 |
| Core capital (leverage) ratio | 11.2883% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8564% | 597 |
| Memoranda: |
| Average total assets | $41,098,250 | 4,781 |
| Average earning assets | $39,394,500 | 4,747 |
| Average equity | $5,034,500 | 4,771 |
| Average total loans | $31,043,500 | 4,522 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8097% | 1,151 |
| Cost of funding earning assets | 1.3649% | 261 |
| Net interest margin | 3.4449% | 2,957 |
| Noninterest income to average assets | 0.0679% | 4,874 |
| Noninterest expense to average assets | 3.1878% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1777% | 4,600 |
| Return on assets (ROA) | 0.1777% | 4,646 |
| Pretax return on assets | 0.1777% | 4,655 |
| Return on Equity (ROE) | 1.3512% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.3512% | 3,988 |
| Net charge-offs to loans | 0.0583% | 1,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.7778% | 2,651 |
| Efficiency ratio | 94.7205% | 278 |
| Assets per employee ($millions) | 4.4440% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2295% | 2,355 |
| Loan loss allowance to noncurrent loans | 1,218.1818% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 4,112 |
| Noncurrent loans to loans | 0.1009% | 4,051 |
| Net loans and leases to total assets | 80.7456% | 513 |
| Net loans and leases to deposits | 93.7554% | 982 |
| Net loans and leases to core deposits | 105.6186% | 904 |
| Total domestic deposits to total assets | 86.1236% | 1,954 |
| Equity capital to assets | 12.6438% | 1,316 |
| Core capital (leverage) ratio | 12.7802% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8491% | 596 |
| Memoranda: |
| Average total assets | $38,271,333 | 4,841 |
| Average earning assets | $36,634,000 | 4,809 |
| Average equity | $5,032,667 | 4,796 |
| Average total loans | $30,882,667 | 4,547 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9780% | 1,012 |
| Cost of funding earning assets | 1.3840% | 425 |
| Net interest margin | 3.5940% | 2,685 |
| Noninterest income to average assets | 0.0855% | 4,879 |
| Noninterest expense to average assets | 3.3254% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2032% | 4,523 |
| Return on assets (ROA) | 0.2032% | 4,533 |
| Pretax return on assets | 0.2032% | 4,562 |
| Return on Equity (ROE) | 1.5138% | 4,543 |
| Retained earnings to average equity (ytd only) | 1.5138% | 3,599 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2424% | 370 |
| Assets per employee ($millions) | 4.1294% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3327% | 1,990 |
| Loan loss allowance to noncurrent loans | 4,566.6667% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,507 |
| Noncurrent loans to loans | 0.0292% | 4,445 |
| Net loans and leases to total assets | 81.8727% | 448 |
| Net loans and leases to deposits | 96.1451% | 893 |
| Net loans and leases to core deposits | 124.7560% | 353 |
| Total domestic deposits to total assets | 85.1554% | 2,351 |
| Equity capital to assets | 13.5746% | 1,191 |
| Core capital (leverage) ratio | 13.3351% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0528% | 558 |
| Memoranda: |
| Average total assets | $37,409,000 | 4,889 |
| Average earning assets | $35,838,000 | 4,854 |
| Average equity | $5,020,500 | 4,834 |
| Average total loans | $29,975,500 | 4,592 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8563% | 1,876 |
| Cost of funding earning assets | 1.4283% | 508 |
| Net interest margin | 3.4280% | 3,658 |
| Noninterest income to average assets | 0.0919% | 4,947 |
| Noninterest expense to average assets | 3.5863% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.2189% | 5,022 |
| Return on assets (ROA) | -0.2378% | 5,033 |
| Pretax return on assets | -0.2378% | 5,025 |
| Return on Equity (ROE) | -1.7654% | 5,034 |
| Retained earnings to average equity (ytd only) | -1.7654% | 4,862 |
| Net charge-offs to loans | 0.1294% | 1,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -2.2500% | 3,666 |
| Efficiency ratio | 106.5008% | 121 |
| Assets per employee ($millions) | 4.1837% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4118% | 1,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.2250% | 1,369 |
| Net loans and leases to deposits | 89.2333% | 1,670 |
| Net loans and leases to core deposits | 102.8304% | 1,329 |
| Total domestic deposits to total assets | 85.4221% | 2,335 |
| Equity capital to assets | 13.2685% | 1,382 |
| Core capital (leverage) ratio | 13.3097% | 1,112 |
| Tier 1 risk-based capital ratio | 23.0744% | 907 |
| Total risk-based capital ratio | 24.3288% | 888 |
| Memoranda: |
| Average total assets | $37,002,200 | 4,942 |
| Average earning assets | $35,356,000 | 4,910 |
| Average equity | $4,984,800 | 4,884 |
| Average total loans | $27,820,600 | 4,687 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8485% | 1,976 |
| Cost of funding earning assets | 1.4379% | 502 |
| Net interest margin | 3.4107% | 3,840 |
| Noninterest income to average assets | 0.1013% | 4,985 |
| Noninterest expense to average assets | 3.7640% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.4090% | 5,129 |
| Return on assets (ROA) | -0.4343% | 5,139 |
| Pretax return on assets | -0.4343% | 5,132 |
| Return on Equity (ROE) | -3.2116% | 5,140 |
| Retained earnings to average equity (ytd only) | -3.2116% | 5,001 |
| Net charge-offs to loans | 0.1746% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -3.1388% | 3,411 |
| Efficiency ratio | 112.1899% | 98 |
| Assets per employee ($millions) | 4.0921% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4338% | 1,442 |
| Loan loss allowance to noncurrent loans | 721.0526% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 2,705 |
| Noncurrent loans to loans | 0.1988% | 3,827 |
| Net loans and leases to total assets | 76.7167% | 1,357 |
| Net loans and leases to deposits | 90.0268% | 1,692 |
| Net loans and leases to core deposits | 104.1392% | 1,314 |
| Total domestic deposits to total assets | 85.2155% | 2,337 |
| Equity capital to assets | 13.4622% | 1,380 |
| Core capital (leverage) ratio | 13.3890% | 1,173 |
| Tier 1 risk-based capital ratio | 22.7852% | 970 |
| Total risk-based capital ratio | 24.0416% | 946 |
| Memoranda: |
| Average total assets | $36,839,500 | 5,016 |
| Average earning assets | $35,144,000 | 4,986 |
| Average equity | $4,982,000 | 4,951 |
| Average total loans | $27,497,750 | 4,762 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5289% | 2,920 |
| Cost of funding earning assets | 1.4185% | 495 |
| Net interest margin | 3.1104% | 4,512 |
| Noninterest income to average assets | 0.1574% | 4,793 |
| Noninterest expense to average assets | 3.8976% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.7763% | 5,209 |
| Return on assets (ROA) | -0.8143% | 5,215 |
| Pretax return on assets | -0.8143% | 5,212 |
| Return on Equity (ROE) | -6.0120% | 5,214 |
| Retained earnings to average equity (ytd only) | -6.0120% | 5,090 |
| Net charge-offs to loans | 0.2582% | 647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -4.0857% | 3,139 |
| Efficiency ratio | 124.8696% | 68 |
| Assets per employee ($millions) | 4.0537% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6130% | 1,002 |
| Loan loss allowance to noncurrent loans | 132.4759% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 916 |
| Noncurrent loans to loans | 1.2176% | 1,311 |
| Net loans and leases to total assets | 68.8841% | 2,690 |
| Net loans and leases to deposits | 79.9663% | 2,961 |
| Net loans and leases to core deposits | 92.4818% | 2,369 |
| Total domestic deposits to total assets | 86.1415% | 1,959 |
| Equity capital to assets | 13.5926% | 1,282 |
| Core capital (leverage) ratio | 13.2824% | 1,192 |
| Tier 1 risk-based capital ratio | 24.0436% | 842 |
| Total risk-based capital ratio | 25.2993% | 824 |
| Memoranda: |
| Average total assets | $36,843,000 | 5,055 |
| Average earning assets | $35,108,000 | 5,025 |
| Average equity | $4,990,000 | 4,985 |
| Average total loans | $27,108,670 | 4,805 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5004% | 2,861 |
| Cost of funding earning assets | 1.4057% | 447 |
| Net interest margin | 3.0948% | 4,603 |
| Noninterest income to average assets | 0.0540% | 5,202 |
| Noninterest expense to average assets | 3.7706% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.7671% | 5,274 |
| Return on assets (ROA) | -0.7671% | 5,270 |
| Pretax return on assets | -0.7671% | 5,265 |
| Return on Equity (ROE) | -5.6738% | 5,266 |
| Retained earnings to average equity (ytd only) | -5.6738% | 4,959 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.5396% | 65 |
| Assets per employee ($millions) | 4.0518% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8249% | 674 |
| Loan loss allowance to noncurrent loans | 52.8369% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 2.3200% | 361 |
| Noncurrent loans to loans | 3.4538% | 264 |
| Net loans and leases to total assets | 65.9464% | 3,057 |
| Net loans and leases to deposits | 76.5762% | 3,208 |
| Net loans and leases to core deposits | 88.5713% | 2,633 |
| Total domestic deposits to total assets | 86.1186% | 2,222 |
| Equity capital to assets | 13.6730% | 1,140 |
| Core capital (leverage) ratio | 13.4309% | 1,110 |
| Tier 1 risk-based capital ratio | 23.9615% | 846 |
| Total risk-based capital ratio | 25.2216% | 824 |
| Memoranda: |
| Average total assets | $37,023,000 | 5,106 |
| Average earning assets | $35,285,500 | 5,073 |
| Average equity | $5,005,500 | 5,026 |
| Average total loans | $27,891,500 | 4,841 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5423% | 2,325 |
| Cost of funding earning assets | 1.2683% | 252 |
| Net interest margin | 3.2740% | 4,327 |
| Noninterest income to average assets | 0.0555% | 5,258 |
| Noninterest expense to average assets | 3.7004% | 771 |
| Loan and lease loss provision to assets | 0.0893% | 2,357 |
| Net operating income to assets | -0.5958% | 5,324 |
| Return on assets (ROA) | -0.5958% | 5,316 |
| Pretax return on assets | -0.5958% | 5,315 |
| Return on Equity (ROE) | -4.7840% | 5,316 |
| Retained earnings to average equity (ytd only) | -4.7840% | 5,241 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8610% | 62 |
| Assets per employee ($millions) | 4.1756% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4287% | 1,524 |
| Loan loss allowance to noncurrent loans | 47.2516% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.5173% | 298 |
| Noncurrent loans to loans | 3.0235% | 337 |
| Net loans and leases to total assets | 82.0676% | 639 |
| Net loans and leases to deposits | 94.8399% | 1,188 |
| Net loans and leases to core deposits | 106.2786% | 1,253 |
| Total domestic deposits to total assets | 86.5327% | 2,001 |
| Equity capital to assets | 13.3715% | 1,195 |
| Core capital (leverage) ratio | 12.4537% | 1,480 |
| Tier 1 risk-based capital ratio | 21.9415% | 1,041 |
| Total risk-based capital ratio | 23.1961% | 1,021 |
| Memoranda: |
| Average total assets | $41,454,600 | 5,076 |
| Average earning assets | $39,737,800 | 5,050 |
| Average equity | $5,163,000 | 5,028 |
| Average total loans | $34,945,200 | 4,686 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5058% | 2,280 |
| Cost of funding earning assets | 1.2396% | 204 |
| Net interest margin | 3.2662% | 4,364 |
| Noninterest income to average assets | 0.0503% | 5,338 |
| Noninterest expense to average assets | 3.7117% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.5311% | 5,390 |
| Return on assets (ROA) | -0.5311% | 5,385 |
| Pretax return on assets | -0.5311% | 5,385 |
| Return on Equity (ROE) | -4.3354% | 5,385 |
| Retained earnings to average equity (ytd only) | -4.3354% | 5,295 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6996% | 65 |
| Assets per employee ($millions) | 4.5396% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2833% | 2,175 |
| Loan loss allowance to noncurrent loans | 42.7975% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 2.3448% | 394 |
| Noncurrent loans to loans | 2.9985% | 365 |
| Net loans and leases to total assets | 77.1955% | 1,466 |
| Net loans and leases to deposits | 88.3569% | 2,110 |
| Net loans and leases to core deposits | 102.7496% | 1,543 |
| Total domestic deposits to total assets | 87.3678% | 1,565 |
| Equity capital to assets | 12.4780% | 1,604 |
| Core capital (leverage) ratio | 12.4558% | 1,525 |
| Tier 1 risk-based capital ratio | 21.6931% | 1,090 |
| Total risk-based capital ratio | 22.9489% | 1,071 |
| Memoranda: |
| Average total assets | $42,423,250 | 5,132 |
| Average earning assets | $40,657,750 | 5,100 |
| Average equity | $5,197,500 | 5,079 |
| Average total loans | $35,859,500 | 4,713 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5586% | 1,911 |
| Cost of funding earning assets | 1.2211% | 166 |
| Net interest margin | 3.3374% | 4,137 |
| Noninterest income to average assets | 0.0419% | 5,423 |
| Noninterest expense to average assets | 3.6884% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.4517% | 5,438 |
| Return on assets (ROA) | -0.4517% | 5,432 |
| Pretax return on assets | -0.4517% | 5,428 |
| Return on Equity (ROE) | -3.7089% | 5,422 |
| Retained earnings to average equity (ytd only) | -3.7089% | 5,242 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.9568% | 81 |
| Assets per employee ($millions) | 4.5936% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2340% | 2,529 |
| Loan loss allowance to noncurrent loans | 26.2316% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 3.7807% | 154 |
| Noncurrent loans to loans | 4.7044% | 154 |
| Net loans and leases to total assets | 79.3721% | 1,112 |
| Net loans and leases to deposits | 90.8572% | 1,727 |
| Net loans and leases to core deposits | 105.4570% | 1,282 |
| Total domestic deposits to total assets | 87.3591% | 1,701 |
| Equity capital to assets | 12.5320% | 1,520 |
| Core capital (leverage) ratio | 11.7878% | 1,845 |
| Tier 1 risk-based capital ratio | 20.9080% | 1,194 |
| Total risk-based capital ratio | 22.1611% | 1,165 |
| Memoranda: |
| Average total assets | $42,945,670 | 5,182 |
| Average earning assets | $41,109,330 | 5,150 |
| Average equity | $5,230,670 | 5,128 |
| Average total loans | $37,163,000 | 4,726 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3851% | 2,245 |
| Cost of funding earning assets | 1.1751% | 157 |
| Net interest margin | 3.2100% | 4,430 |
| Noninterest income to average assets | 0.0366% | 5,502 |
| Noninterest expense to average assets | 3.8219% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.7132% | 5,521 |
| Return on assets (ROA) | -0.7132% | 5,518 |
| Pretax return on assets | -0.7132% | 5,517 |
| Return on Equity (ROE) | -5.9366% | 5,511 |
| Retained earnings to average equity (ytd only) | -5.9366% | 5,248 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9412% | 57 |
| Assets per employee ($millions) | 4.4403% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0548% | 3,632 |
| Loan loss allowance to noncurrent loans | 18.9639% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 4.8690% | 98 |
| Noncurrent loans to loans | 5.5623% | 115 |
| Net loans and leases to total assets | 86.6135% | 217 |
| Net loans and leases to deposits | 98.2099% | 842 |
| Net loans and leases to core deposits | 112.5849% | 860 |
| Total domestic deposits to total assets | 88.1922% | 1,509 |
| Equity capital to assets | 11.7334% | 1,967 |
| Core capital (leverage) ratio | 11.5417% | 1,978 |
| Tier 1 risk-based capital ratio | 18.1002% | 1,805 |
| Total risk-based capital ratio | 19.3498% | 1,758 |
| Memoranda: |
| Average total assets | $43,747,500 | 5,228 |
| Average earning assets | $41,869,000 | 5,189 |
| Average equity | $5,255,500 | 5,178 |
| Average total loans | $39,132,500 | 4,721 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1436% | 2,903 |
| Cost of funding earning assets | 0.5511% | 1,945 |
| Net interest margin | 3.5925% | 3,196 |
| Noninterest income to average assets | 0.0446% | 5,548 |
| Noninterest expense to average assets | 6.9228% | 117 |
| Loan and lease loss provision to assets | 0.5573% | 232 |
| Net operating income to assets | -4.0314% | 5,657 |
| Return on assets (ROA) | -4.0314% | 5,657 |
| Pretax return on assets | -4.0314% | 5,657 |
| Return on Equity (ROE) | -20.8739% | 5,644 |
| Retained earnings to average equity (ytd only) | -20.8739% | 5,623 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.7387% | 11 |
| Assets per employee ($millions) | 4.7853% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0407% | 3,683 |
| Loan loss allowance to noncurrent loans | 21.9721% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 4.3327% | 126 |
| Noncurrent loans to loans | 4.7365% | 158 |
| Net loans and leases to total assets | 90.5220% | 60 |
| Net loans and leases to deposits | 103.3125% | 531 |
| Net loans and leases to core deposits | 127.8020% | 393 |
| Total domestic deposits to total assets | 87.6196% | 1,692 |
| Equity capital to assets | 12.3084% | 1,634 |
| Core capital (leverage) ratio | 14.2449% | 787 |
| Tier 1 risk-based capital ratio | 18.8760% | 1,535 |
| Total risk-based capital ratio | 20.1273% | 1,500 |
| Memoranda: |
| Average total assets | $31,403,600 | 5,472 |
| Average earning assets | $29,756,800 | 5,444 |
| Average equity | $6,065,000 | 5,090 |
| Average total loans | $26,208,200 | 5,121 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3685% | 2,050 |
| Cost of funding earning assets | 0.4269% | 2,910 |
| Net interest margin | 3.9416% | 1,888 |
| Noninterest income to average assets | 0.1310% | 5,351 |
| Noninterest expense to average assets | 7.3434% | 108 |
| Loan and lease loss provision to assets | -0.2574% | 5,681 |
| Net operating income to assets | -3.2388% | 5,719 |
| Return on assets (ROA) | -3.2388% | 5,719 |
| Pretax return on assets | -3.2388% | 5,719 |
| Return on Equity (ROE) | -14.7481% | 5,698 |
| Retained earnings to average equity (ytd only) | -14.7481% | 5,661 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.8759% | 13 |
| Assets per employee ($millions) | 2.8814% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7973% | 4,902 |
| Loan loss allowance to noncurrent loans | 20.2688% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 3.0992% | 283 |
| Noncurrent loans to loans | 3.9337% | 256 |
| Net loans and leases to total assets | 78.1565% | 1,240 |
| Net loans and leases to deposits | 98.4352% | 873 |
| Net loans and leases to core deposits | 98.4352% | 1,848 |
| Total domestic deposits to total assets | 79.3989% | 4,459 |
| Equity capital to assets | 20.4415% | 212 |
| Core capital (leverage) ratio | 20.8627% | 180 |
| Tier 1 risk-based capital ratio | 38.5304% | 241 |
| Total risk-based capital ratio | 39.7221% | 238 |
| Memoranda: |
| Average total assets | $28,487,500 | 5,571 |
| Average earning assets | $26,858,250 | 5,548 |
| Average equity | $6,256,000 | 5,121 |
| Average total loans | $22,911,250 | 5,282 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5752% | 1,310 |
| Cost of funding earning assets | 0.4166% | 2,918 |
| Net interest margin | 4.1586% | 1,176 |
| Noninterest income to average assets | 0.1268% | 5,415 |
| Noninterest expense to average assets | 7.3409% | 115 |
| Loan and lease loss provision to assets | -0.3875% | 5,751 |
| Net operating income to assets | -2.8884% | 5,768 |
| Return on assets (ROA) | -2.8884% | 5,769 |
| Pretax return on assets | -2.8884% | 5,768 |
| Return on Equity (ROE) | -12.8359% | 5,733 |
| Retained earnings to average equity (ytd only) | -12.8359% | 5,685 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.5893% | 15 |
| Assets per employee ($millions) | 1.8659% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7992% | 4,953 |
| Loan loss allowance to noncurrent loans | 88.2927% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 2,371 |
| Noncurrent loans to loans | 0.9051% | 2,163 |
| Net loans and leases to total assets | 80.2744% | 916 |
| Net loans and leases to deposits | 103.1210% | 544 |
| Net loans and leases to core deposits | 103.1210% | 1,431 |
| Total domestic deposits to total assets | 77.8449% | 4,839 |
| Equity capital to assets | 22.0587% | 147 |
| Core capital (leverage) ratio | 21.8029% | 143 |
| Tier 1 risk-based capital ratio | 41.7557% | 190 |
| Total risk-based capital ratio | 42.9874% | 190 |
| Memoranda: |
| Average total assets | $28,389,000 | 5,619 |
| Average earning assets | $26,884,330 | 5,593 |
| Average equity | $6,388,330 | 5,126 |
| Average total loans | $22,991,670 | 5,316 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7507% | 845 |
| Cost of funding earning assets | 0.4093% | 2,908 |
| Net interest margin | 4.3414% | 715 |
| Noninterest income to average assets | 0.1539% | 5,346 |
| Noninterest expense to average assets | 7.5414% | 108 |
| Loan and lease loss provision to assets | -0.7695% | 5,845 |
| Net operating income to assets | -2.4625% | 5,831 |
| Return on assets (ROA) | -2.4625% | 5,831 |
| Pretax return on assets | -2.4625% | 5,824 |
| Return on Equity (ROE) | -10.8383% | 5,783 |
| Retained earnings to average equity (ytd only) | -10.8383% | 5,596 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.0000% | 25 |
| Assets per employee ($millions) | 2.0124% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7729% | 5,137 |
| Loan loss allowance to noncurrent loans | 103.4286% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 2,768 |
| Noncurrent loans to loans | 0.7473% | 2,624 |
| Net loans and leases to total assets | 82.4803% | 517 |
| Net loans and leases to deposits | 106.8463% | 291 |
| Net loans and leases to core deposits | 106.8463% | 1,041 |
| Total domestic deposits to total assets | 77.1953% | 5,094 |
| Equity capital to assets | 22.7444% | 134 |
| Core capital (leverage) ratio | 22.2084% | 132 |
| Tier 1 risk-based capital ratio | 42.7885% | 193 |
| Total risk-based capital ratio | 43.9971% | 190 |
| Memoranda: |
| Average total assets | $28,589,000 | 5,683 |
| Average earning assets | $27,364,500 | 5,649 |
| Average equity | $6,495,500 | 5,156 |
| Average total loans | $23,163,000 | 5,366 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1033% | 2,835 |
| Cost of funding earning assets | 0.4245% | 2,763 |
| Net interest margin | 3.6788% | 2,777 |
| Noninterest income to average assets | 0.5916% | 2,703 |
| Noninterest expense to average assets | 5.8124% | 176 |
| Loan and lease loss provision to assets | -0.0195% | 5,523 |
| Net operating income to assets | -2.1975% | 5,883 |
| Return on assets (ROA) | -2.1715% | 5,883 |
| Pretax return on assets | -1.7099% | 5,870 |
| Return on Equity (ROE) | -9.6390% | 5,834 |
| Retained earnings to average equity (ytd only) | -9.6390% | 5,782 |
| Net charge-offs to loans | -0.1498% | 5,682 |
| Credit loss provision to net charge-offs | 17.6471% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.2692% | 41 |
| Assets per employee ($millions) | 1.9336% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0303% | 4,141 |
| Loan loss allowance to noncurrent loans | 108.2569% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 2,482 |
| Noncurrent loans to loans | 0.9517% | 2,184 |
| Net loans and leases to total assets | 78.1651% | 1,181 |
| Net loans and leases to deposits | 101.2641% | 583 |
| Net loans and leases to core deposits | 101.2641% | 1,510 |
| Total domestic deposits to total assets | 77.1894% | 5,092 |
| Equity capital to assets | 22.6969% | 134 |
| Core capital (leverage) ratio | 21.9105% | 140 |
| Tier 1 risk-based capital ratio | 45.1076% | 174 |
| Total risk-based capital ratio | 46.3615% | 173 |
| Memoranda: |
| Average total assets | $30,762,000 | 5,700 |
| Average earning assets | $28,977,000 | 5,676 |
| Average equity | $6,930,200 | 5,105 |
| Average total loans | $22,691,600 | 5,427 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0530% | 3,024 |
| Cost of funding earning assets | 0.4235% | 2,799 |
| Net interest margin | 3.6295% | 2,970 |
| Noninterest income to average assets | 0.6965% | 2,186 |
| Noninterest expense to average assets | 5.6064% | 195 |
| Loan and lease loss provision to assets | 0.0983% | 2,258 |
| Net operating income to assets | -1.6025% | 5,932 |
| Return on assets (ROA) | -1.5683% | 5,932 |
| Pretax return on assets | -1.5683% | 5,930 |
| Return on Equity (ROE) | -6.9748% | 5,884 |
| Retained earnings to average equity (ytd only) | -6.9748% | 5,793 |
| Net charge-offs to loans | -0.0353% | 5,226 |
| Credit loss provision to net charge-offs | -383.3333% | 5,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.6667% | 52 |
| Assets per employee ($millions) | 2.0226% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0260% | 4,271 |
| Loan loss allowance to noncurrent loans | 73.0650% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.2459% | 1,576 |
| Noncurrent loans to loans | 1.4042% | 1,567 |
| Net loans and leases to total assets | 75.0420% | 1,698 |
| Net loans and leases to deposits | 97.3989% | 911 |
| Net loans and leases to core deposits | 97.3989% | 1,873 |
| Total domestic deposits to total assets | 77.0460% | 5,078 |
| Equity capital to assets | 22.6903% | 144 |
| Core capital (leverage) ratio | 22.2956% | 133 |
| Tier 1 risk-based capital ratio | 45.9025% | 169 |
| Total risk-based capital ratio | 47.1561% | 167 |
| Memoranda: |
| Average total assets | $31,201,500 | 5,756 |
| Average earning assets | $29,277,750 | 5,732 |
| Average equity | $7,015,500 | 5,139 |
| Average total loans | $22,637,750 | 5,483 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0376% | 3,110 |
| Cost of funding earning assets | 0.4221% | 2,815 |
| Net interest margin | 3.6155% | 3,036 |
| Noninterest income to average assets | 0.1778% | 5,430 |
| Noninterest expense to average assets | 5.6718% | 198 |
| Loan and lease loss provision to assets | 0.1461% | 1,568 |
| Net operating income to assets | -2.2675% | 6,022 |
| Return on assets (ROA) | -2.2675% | 6,024 |
| Pretax return on assets | -2.2675% | 6,020 |
| Return on Equity (ROE) | -10.1143% | 5,982 |
| Retained earnings to average equity (ytd only) | -10.1143% | 5,884 |
| Net charge-offs to loans | -0.0533% | 5,399 |
| Credit loss provision to net charge-offs | -383.3333% | 4,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.7496% | 37 |
| Assets per employee ($millions) | 2.5815% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0354% | 4,315 |
| Loan loss allowance to noncurrent loans | 45.8252% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 3.9125% | 237 |
| Noncurrent loans to loans | 2.2595% | 821 |
| Net loans and leases to total assets | 72.8162% | 2,039 |
| Net loans and leases to deposits | 94.0071% | 1,293 |
| Net loans and leases to core deposits | 94.0071% | 2,171 |
| Total domestic deposits to total assets | 77.4582% | 5,089 |
| Equity capital to assets | 22.2706% | 151 |
| Core capital (leverage) ratio | 22.0340% | 134 |
| Tier 1 risk-based capital ratio | 43.5035% | 191 |
| Total risk-based capital ratio | 44.7530% | 191 |
| Memoranda: |
| Average total assets | $31,489,000 | 5,823 |
| Average earning assets | $29,373,670 | 5,801 |
| Average equity | $7,059,330 | 5,183 |
| Average total loans | $22,516,000 | 5,549 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0167% | 3,161 |
| Cost of funding earning assets | 0.4328% | 2,744 |
| Net interest margin | 3.5839% | 3,150 |
| Noninterest income to average assets | 0.2393% | 5,032 |
| Noninterest expense to average assets | 6.0335% | 173 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -2.4562% | 6,085 |
| Return on assets (ROA) | -2.4562% | 6,085 |
| Pretax return on assets | -2.4562% | 6,083 |
| Return on Equity (ROE) | -10.9076% | 6,032 |
| Retained earnings to average equity (ytd only) | -10.9076% | 5,832 |
| Net charge-offs to loans | -0.3039% | 5,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.6620% | 33 |
| Assets per employee ($millions) | 2.4282% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9990% | 4,617 |
| Loan loss allowance to noncurrent loans | 40.6534% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 3.7793% | 276 |
| Noncurrent loans to loans | 2.4573% | 776 |
| Net loans and leases to total assets | 70.3234% | 2,287 |
| Net loans and leases to deposits | 90.8938% | 1,473 |
| Net loans and leases to core deposits | 90.8938% | 2,290 |
| Total domestic deposits to total assets | 77.3688% | 5,240 |
| Equity capital to assets | 22.3588% | 146 |
| Core capital (leverage) ratio | 21.9420% | 137 |
| Tier 1 risk-based capital ratio | 45.4616% | 170 |
| Total risk-based capital ratio | 46.7113% | 167 |
| Memoranda: |
| Average total assets | $31,756,000 | 5,879 |
| Average earning assets | $29,576,500 | 5,858 |
| Average equity | $7,151,000 | 5,203 |
| Average total loans | $22,377,500 | 5,604 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9562% | 3,490 |
| Cost of funding earning assets | 0.4813% | 2,347 |
| Net interest margin | 3.4749% | 3,616 |
| Noninterest income to average assets | 0.1776% | 5,521 |
| Noninterest expense to average assets | 4.7018% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -1.3176% | 6,120 |
| Return on assets (ROA) | -1.3176% | 6,121 |
| Pretax return on assets | -1.3176% | 6,120 |
| Return on Equity (ROE) | -5.9785% | 6,063 |
| Retained earnings to average equity (ytd only) | -5.9785% | 5,957 |
| Net charge-offs to loans | 0.4275% | 656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -4.6842% | 4,396 |
| Efficiency ratio | 138.9326% | 49 |
| Assets per employee ($millions) | 2.6621% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9314% | 4,964 |
| Loan loss allowance to noncurrent loans | 35.8003% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 3.8285% | 278 |
| Noncurrent loans to loans | 2.6016% | 688 |
| Net loans and leases to total assets | 69.2565% | 2,492 |
| Net loans and leases to deposits | 89.6616% | 1,661 |
| Net loans and leases to core deposits | 89.6616% | 2,439 |
| Total domestic deposits to total assets | 77.2421% | 5,278 |
| Equity capital to assets | 22.6765% | 128 |
| Core capital (leverage) ratio | 22.3672% | 124 |
| Tier 1 risk-based capital ratio | 47.0966% | 144 |
| Total risk-based capital ratio | 48.3437% | 143 |
| Memoranda: |
| Average total assets | $33,774,400 | 5,895 |
| Average earning assets | $31,166,200 | 5,875 |
| Average equity | $7,443,400 | 5,162 |
| Average total loans | $22,222,200 | 5,644 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9524% | 3,533 |
| Cost of funding earning assets | 0.4946% | 2,265 |
| Net interest margin | 3.4578% | 3,728 |
| Noninterest income to average assets | 0.0818% | 6,010 |
| Noninterest expense to average assets | 4.8219% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.5541% | 6,216 |
| Return on assets (ROA) | -1.5541% | 6,217 |
| Pretax return on assets | -1.5541% | 6,212 |
| Return on Equity (ROE) | -7.0996% | 6,157 |
| Retained earnings to average equity (ytd only) | -7.0996% | 6,079 |
| Net charge-offs to loans | 0.7149% | 298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -3.3530% | 4,107 |
| Efficiency ratio | 147.5566% | 41 |
| Assets per employee ($millions) | 2.7372% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8240% | 5,456 |
| Loan loss allowance to noncurrent loans | 39.6104% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 3.2120% | 440 |
| Noncurrent loans to loans | 2.0802% | 1,103 |
| Net loans and leases to total assets | 67.0584% | 2,842 |
| Net loans and leases to deposits | 86.5496% | 2,087 |
| Net loans and leases to core deposits | 87.4082% | 2,713 |
| Total domestic deposits to total assets | 77.4798% | 5,269 |
| Equity capital to assets | 22.2219% | 148 |
| Core capital (leverage) ratio | 22.0254% | 135 |
| Tier 1 risk-based capital ratio | 43.9314% | 198 |
| Total risk-based capital ratio | 45.0331% | 196 |
| Memoranda: |
| Average total assets | $34,231,750 | 5,966 |
| Average earning assets | $31,541,250 | 5,944 |
| Average equity | $7,493,250 | 5,214 |
| Average total loans | $22,194,750 | 5,712 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9639% | 3,430 |
| Cost of funding earning assets | 0.5026% | 2,226 |
| Net interest margin | 3.4614% | 3,654 |
| Noninterest income to average assets | 0.1499% | 5,815 |
| Noninterest expense to average assets | 4.6810% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.3547% | 6,284 |
| Return on assets (ROA) | -1.3547% | 6,283 |
| Pretax return on assets | -1.3547% | 6,277 |
| Return on Equity (ROE) | -6.2186% | 6,210 |
| Retained earnings to average equity (ytd only) | -6.2186% | 6,066 |
| Net charge-offs to loans | 1.0816% | 184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -1.9583% | 3,788 |
| Efficiency ratio | 140.7279% | 57 |
| Assets per employee ($millions) | 2.7711% | 5,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8156% | 5,560 |
| Loan loss allowance to noncurrent loans | 41.3636% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 3.1065% | 517 |
| Noncurrent loans to loans | 1.9718% | 1,251 |
| Net loans and leases to total assets | 66.5594% | 2,855 |
| Net loans and leases to deposits | 86.0871% | 2,043 |
| Net loans and leases to core deposits | 86.9324% | 2,659 |
| Total domestic deposits to total assets | 77.3163% | 5,409 |
| Equity capital to assets | 22.3860% | 139 |
| Core capital (leverage) ratio | 21.9911% | 133 |
| Tier 1 risk-based capital ratio | 44.6096% | 202 |
| Total risk-based capital ratio | 45.7002% | 202 |
| Memoranda: |
| Average total assets | $34,693,670 | 6,024 |
| Average earning assets | $31,837,000 | 6,001 |
| Average equity | $7,558,000 | 5,248 |
| Average total loans | $22,190,000 | 5,770 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9792% | 3,303 |
| Cost of funding earning assets | 0.5174% | 2,133 |
| Net interest margin | 3.4618% | 3,573 |
| Noninterest income to average assets | 0.0565% | 6,210 |
| Noninterest expense to average assets | 4.9472% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.7168% | 6,358 |
| Return on assets (ROA) | -1.7168% | 6,361 |
| Pretax return on assets | -1.7168% | 6,357 |
| Return on Equity (ROE) | -7.9842% | 6,301 |
| Retained earnings to average equity (ytd only) | -7.9842% | 6,078 |
| Net charge-offs to loans | 2.2777% | 74 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.2063% | 3,183 |
| Efficiency ratio | 153.1469% | 46 |
| Assets per employee ($millions) | 2.8950% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8217% | 5,642 |
| Loan loss allowance to noncurrent loans | 37.5267% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 3.0282% | 622 |
| Noncurrent loans to loans | 2.1897% | 1,158 |
| Net loans and leases to total assets | 61.1457% | 3,507 |
| Net loans and leases to deposits | 78.4243% | 2,747 |
| Net loans and leases to core deposits | 79.9112% | 3,175 |
| Total domestic deposits to total assets | 77.9678% | 5,460 |
| Equity capital to assets | 21.7127% | 158 |
| Core capital (leverage) ratio | 21.2268% | 162 |
| Tier 1 risk-based capital ratio | 44.5231% | 204 |
| Total risk-based capital ratio | 45.5619% | 206 |
| Memoranda: |
| Average total assets | $35,414,000 | 6,070 |
| Average earning assets | $32,468,500 | 6,049 |
| Average equity | $7,615,000 | 5,282 |
| Average total loans | $22,127,500 | 5,819 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7884% | 4,530 |
| Cost of funding earning assets | 0.5586% | 2,144 |
| Net interest margin | 3.2298% | 4,831 |
| Noninterest income to average assets | 0.0311% | 6,336 |
| Noninterest expense to average assets | 3.8808% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.6870% | 6,337 |
| Return on assets (ROA) | -0.6870% | 6,330 |
| Pretax return on assets | -0.7622% | 6,330 |
| Return on Equity (ROE) | -3.3850% | 6,261 |
| Retained earnings to average equity (ytd only) | -3.3850% | 6,111 |
| Net charge-offs to loans | 0.3164% | 1,396 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -3.9730% | 4,876 |
| Efficiency ratio | 124.4389% | 106 |
| Assets per employee ($millions) | 3.0073% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3224% | 3,304 |
| Loan loss allowance to noncurrent loans | 27.2317% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 3.5995% | 506 |
| Noncurrent loans to loans | 4.8562% | 316 |
| Net loans and leases to total assets | 62.4446% | 3,445 |
| Net loans and leases to deposits | 79.5278% | 2,781 |
| Net loans and leases to core deposits | 80.9680% | 3,199 |
| Total domestic deposits to total assets | 78.5192% | 5,344 |
| Equity capital to assets | 21.3007% | 178 |
| Core capital (leverage) ratio | 21.3423% | 159 |
| Tier 1 risk-based capital ratio | 45.2367% | 172 |
| Total risk-based capital ratio | 46.4936% | 173 |
| Memoranda: |
| Average total assets | $38,574,200 | 6,066 |
| Average earning assets | $36,875,400 | 6,020 |
| Average equity | $7,828,600 | 5,241 |
| Average total loans | $23,391,400 | 5,842 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7864% | 4,590 |
| Cost of funding earning assets | 0.5651% | 2,148 |
| Net interest margin | 3.2212% | 4,887 |
| Noninterest income to average assets | 0.0272% | 6,430 |
| Noninterest expense to average assets | 3.7860% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.6565% | 6,408 |
| Return on assets (ROA) | -0.6565% | 6,408 |
| Pretax return on assets | -0.6565% | 6,395 |
| Return on Equity (ROE) | -3.2723% | 6,323 |
| Retained earnings to average equity (ytd only) | -3.2723% | 6,161 |
| Net charge-offs to loans | 0.4590% | 856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -2.3827% | 4,578 |
| Efficiency ratio | 120.9783% | 125 |
| Assets per employee ($millions) | 3.1137% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2996% | 3,647 |
| Loan loss allowance to noncurrent loans | 45.8204% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 2.2294% | 1,235 |
| Noncurrent loans to loans | 2.8363% | 971 |
| Net loans and leases to total assets | 60.1649% | 3,758 |
| Net loans and leases to deposits | 76.1905% | 3,164 |
| Net loans and leases to core deposits | 76.8494% | 3,650 |
| Total domestic deposits to total assets | 78.9664% | 5,334 |
| Equity capital to assets | 20.7606% | 201 |
| Core capital (leverage) ratio | 20.7901% | 184 |
| Tier 1 risk-based capital ratio | 45.9754% | 168 |
| Total risk-based capital ratio | 47.2360% | 169 |
| Memoranda: |
| Average total assets | $39,195,750 | 6,132 |
| Average earning assets | $37,748,750 | 6,064 |
| Average equity | $7,864,000 | 5,273 |
| Average total loans | $23,530,000 | 5,899 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7806% | 4,593 |
| Cost of funding earning assets | 0.5728% | 2,140 |
| Net interest margin | 3.2078% | 4,919 |
| Noninterest income to average assets | 0.0301% | 6,493 |
| Noninterest expense to average assets | 3.6276% | 1,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.5024% | 6,438 |
| Return on assets (ROA) | -0.5024% | 6,438 |
| Pretax return on assets | -0.5024% | 6,421 |
| Return on Equity (ROE) | -2.5318% | 6,356 |
| Retained earnings to average equity (ytd only) | -2.5318% | 6,050 |
| Net charge-offs to loans | 0.3700% | 1,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -2.2727% | 4,249 |
| Efficiency ratio | 116.0772% | 178 |
| Assets per employee ($millions) | 4.3473% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4211% | 3,239 |
| Loan loss allowance to noncurrent loans | 43.3246% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 1.9527% | 1,651 |
| Noncurrent loans to loans | 3.2802% | 849 |
| Net loans and leases to total assets | 58.6822% | 3,900 |
| Net loans and leases to deposits | 73.6653% | 3,362 |
| Net loans and leases to core deposits | 74.2658% | 3,810 |
| Total domestic deposits to total assets | 79.6606% | 5,313 |
| Equity capital to assets | 20.0787% | 214 |
| Core capital (leverage) ratio | 20.0992% | 194 |
| Tier 1 risk-based capital ratio | 45.6228% | 166 |
| Total risk-based capital ratio | 46.8817% | 168 |
| Memoranda: |
| Average total assets | $39,806,330 | 6,177 |
| Average earning assets | $38,406,330 | 6,093 |
| Average equity | $7,899,670 | 5,294 |
| Average total loans | $23,781,330 | 5,937 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8804% | 4,168 |
| Cost of funding earning assets | 0.5883% | 2,085 |
| Net interest margin | 3.2921% | 4,575 |
| Noninterest income to average assets | 0.0299% | 6,536 |
| Noninterest expense to average assets | 3.9555% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7473% | 6,529 |
| Return on assets (ROA) | -0.7473% | 6,528 |
| Pretax return on assets | -0.7473% | 6,520 |
| Return on Equity (ROE) | -3.7872% | 6,437 |
| Retained earnings to average equity (ytd only) | -3.7872% | 6,040 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.2919% | 154 |
| Assets per employee ($millions) | 4.0472% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5764% | 2,804 |
| Loan loss allowance to noncurrent loans | 45.4106% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 2.0459% | 1,658 |
| Noncurrent loans to loans | 3.4714% | 850 |
| Net loans and leases to total assets | 58.0055% | 3,835 |
| Net loans and leases to deposits | 72.2583% | 3,303 |
| Net loans and leases to core deposits | 73.3923% | 3,716 |
| Total domestic deposits to total assets | 80.2753% | 5,432 |
| Equity capital to assets | 19.4752% | 238 |
| Core capital (leverage) ratio | 19.4900% | 229 |
| Tier 1 risk-based capital ratio | 44.4094% | 182 |
| Total risk-based capital ratio | 45.6424% | 182 |
| Memoranda: |
| Average total assets | $40,146,500 | 6,230 |
| Average earning assets | $38,759,000 | 6,137 |
| Average equity | $7,921,500 | 5,324 |
| Average total loans | $24,026,500 | 5,982 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1525% | 3,532 |
| Cost of funding earning assets | 0.6753% | 1,998 |
| Net interest margin | 3.4773% | 3,996 |
| Noninterest income to average assets | 0.0423% | 6,572 |
| Noninterest expense to average assets | 3.5573% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1093% | 6,308 |
| Return on assets (ROA) | -0.0996% | 6,320 |
| Pretax return on assets | -0.1543% | 6,328 |
| Return on Equity (ROE) | -0.5020% | 6,298 |
| Retained earnings to average equity (ytd only) | -0.5020% | 5,976 |
| Net charge-offs to loans | 0.0603% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -4.2500% | 5,378 |
| Efficiency ratio | 104.9963% | 356 |
| Assets per employee ($millions) | 3.9821% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5537% | 2,947 |
| Loan loss allowance to noncurrent loans | 52.3677% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.8031% | 2,043 |
| Noncurrent loans to loans | 2.9668% | 1,159 |
| Net loans and leases to total assets | 59.8302% | 3,748 |
| Net loans and leases to deposits | 74.8649% | 3,121 |
| Net loans and leases to core deposits | 76.0647% | 3,601 |
| Total domestic deposits to total assets | 79.9176% | 5,461 |
| Equity capital to assets | 19.9920% | 208 |
| Core capital (leverage) ratio | 19.9920% | 200 |
| Tier 1 risk-based capital ratio | 44.9901% | 168 |
| Total risk-based capital ratio | 46.2560% | 168 |
| Memoranda: |
| Average total assets | $40,171,400 | 6,283 |
| Average earning assets | $38,651,200 | 6,204 |
| Average equity | $7,967,800 | 5,348 |
| Average total loans | $26,536,600 | 5,909 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2144% | 3,333 |
| Cost of funding earning assets | 0.6823% | 2,083 |
| Net interest margin | 3.5321% | 3,750 |
| Noninterest income to average assets | 0.0397% | 6,659 |
| Noninterest expense to average assets | 3.5469% | 1,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1126% | 6,396 |
| Return on assets (ROA) | -0.1325% | 6,445 |
| Pretax return on assets | -0.1325% | 6,425 |
| Return on Equity (ROE) | -0.6692% | 6,400 |
| Retained earnings to average equity (ytd only) | -0.6692% | 6,077 |
| Net charge-offs to loans | 0.1032% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.6189% | 5,057 |
| Efficiency ratio | 103.2787% | 374 |
| Assets per employee ($millions) | 4.5770% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4791% | 3,542 |
| Loan loss allowance to noncurrent loans | 60.0324% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.5003% | 2,685 |
| Noncurrent loans to loans | 2.4638% | 1,766 |
| Net loans and leases to total assets | 59.9908% | 3,691 |
| Net loans and leases to deposits | 74.5033% | 3,154 |
| Net loans and leases to core deposits | 75.6459% | 3,655 |
| Total domestic deposits to total assets | 80.5210% | 5,356 |
| Equity capital to assets | 19.3479% | 236 |
| Core capital (leverage) ratio | 19.3285% | 225 |
| Tier 1 risk-based capital ratio | 41.8546% | 218 |
| Total risk-based capital ratio | 43.1110% | 215 |
| Memoranda: |
| Average total assets | $40,259,000 | 6,353 |
| Average earning assets | $38,692,000 | 6,277 |
| Average equity | $7,969,500 | 5,397 |
| Average total loans | $27,120,500 | 5,943 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3724% | 2,675 |
| Cost of funding earning assets | 0.6835% | 2,195 |
| Net interest margin | 3.6889% | 2,996 |
| Noninterest income to average assets | 0.1101% | 6,495 |
| Noninterest expense to average assets | 3.7749% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1252% | 6,431 |
| Return on assets (ROA) | -0.1252% | 6,477 |
| Pretax return on assets | -0.1252% | 6,448 |
| Return on Equity (ROE) | -0.6274% | 6,424 |
| Retained earnings to average equity (ytd only) | -0.6274% | 5,983 |
| Net charge-offs to loans | 0.0216% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -8.3333% | 4,854 |
| Efficiency ratio | 103.4294% | 392 |
| Assets per employee ($millions) | 4.0662% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4716% | 3,715 |
| Loan loss allowance to noncurrent loans | 62.2400% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.5371% | 2,801 |
| Noncurrent loans to loans | 2.3645% | 1,997 |
| Net loans and leases to total assets | 64.0500% | 2,905 |
| Net loans and leases to deposits | 79.8063% | 2,349 |
| Net loans and leases to core deposits | 80.4224% | 2,982 |
| Total domestic deposits to total assets | 80.2568% | 5,547 |
| Equity capital to assets | 19.6055% | 225 |
| Core capital (leverage) ratio | 19.5531% | 214 |
| Tier 1 risk-based capital ratio | 40.6935% | 217 |
| Total risk-based capital ratio | 41.9484% | 217 |
| Memoranda: |
| Average total assets | $39,947,670 | 6,403 |
| Average earning assets | $38,331,000 | 6,335 |
| Average equity | $7,969,330 | 5,437 |
| Average total loans | $27,799,670 | 5,945 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4341% | 2,404 |
| Cost of funding earning assets | 0.8657% | 1,175 |
| Net interest margin | 3.5684% | 3,390 |
| Noninterest income to average assets | 0.0808% | 6,639 |
| Noninterest expense to average assets | 4.2030% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7072% | 6,738 |
| Return on assets (ROA) | -0.7072% | 6,751 |
| Pretax return on assets | -0.7072% | 6,734 |
| Return on Equity (ROE) | -3.5141% | 6,632 |
| Retained earnings to average equity (ytd only) | -3.5141% | 6,234 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2312% | 217 |
| Assets per employee ($millions) | 3.6307% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3865% | 4,307 |
| Loan loss allowance to noncurrent loans | 48.8169% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 2.0106% | 2,335 |
| Noncurrent loans to loans | 2.8403% | 1,783 |
| Net loans and leases to total assets | 69.8082% | 1,695 |
| Net loans and leases to deposits | 87.3051% | 1,212 |
| Net loans and leases to core deposits | 87.3051% | 1,979 |
| Total domestic deposits to total assets | 79.9589% | 5,761 |
| Equity capital to assets | 19.8658% | 220 |
| Core capital (leverage) ratio | 19.8026% | 199 |
| Tier 1 risk-based capital ratio | 39.1897% | 248 |
| Total risk-based capital ratio | 40.4493% | 242 |
| Memoranda: |
| Average total assets | $39,590,500 | 6,477 |
| Average earning assets | $37,888,000 | 6,406 |
| Average equity | $7,968,000 | 5,492 |
| Average total loans | $28,483,000 | 5,956 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9953% | 1,568 |
| Cost of funding earning assets | 1.0343% | 1,188 |
| Net interest margin | 3.9610% | 2,564 |
| Noninterest income to average assets | -0.4060% | 7,019 |
| Noninterest expense to average assets | 3.1516% | 2,761 |
| Loan and lease loss provision to assets | 0.0432% | 5,312 |
| Net operating income to assets | 0.1105% | 5,993 |
| Return on assets (ROA) | 0.1105% | 6,132 |
| Pretax return on assets | 0.1802% | 6,023 |
| Return on Equity (ROE) | 0.5714% | 6,207 |
| Retained earnings to average equity (ytd only) | 0.5714% | 5,564 |
| Net charge-offs to loans | 0.0768% | 4,905 |
| Credit loss provision to net charge-offs | 72.0000% | 4,099 |
| Earnings coverage of net charge-offs (x) | 3.7200% | 3,626 |
| Efficiency ratio | 93.3808% | 836 |
| Assets per employee ($millions) | 3.9243% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3661% | 4,326 |
| Loan loss allowance to noncurrent loans | 46.6112% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 2.1431% | 2,279 |
| Noncurrent loans to loans | 2.9309% | 1,784 |
| Net loans and leases to total assets | 72.1199% | 1,469 |
| Net loans and leases to deposits | 90.6418% | 1,013 |
| Net loans and leases to core deposits | 91.4177% | 1,684 |
| Total domestic deposits to total assets | 79.5658% | 5,766 |
| Equity capital to assets | 20.3909% | 211 |
| Core capital (leverage) ratio | 20.1742% | 190 |
| Tier 1 risk-based capital ratio | 38.5126% | 266 |
| Total risk-based capital ratio | 40.4243% | 246 |
| Memoranda: |
| Average total assets | $41,630,200 | 6,444 |
| Average earning assets | $39,737,400 | 6,370 |
| Average equity | $8,050,000 | 5,490 |
| Average total loans | $32,555,200 | 5,823 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1305% | 1,354 |
| Cost of funding earning assets | 1.0850% | 1,124 |
| Net interest margin | 4.0455% | 2,311 |
| Noninterest income to average assets | 0.1516% | 6,392 |
| Noninterest expense to average assets | 3.0533% | 3,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7231% | 3,810 |
| Return on assets (ROA) | 0.7231% | 4,055 |
| Pretax return on assets | 0.9599% | 3,876 |
| Return on Equity (ROE) | 3.7873% | 5,375 |
| Retained earnings to average equity (ytd only) | 3.7873% | 4,226 |
| Net charge-offs to loans | 0.5211% | 2,050 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.3206% | 4,115 |
| Efficiency ratio | 76.0818% | 2,667 |
| Assets per employee ($millions) | 4.0052% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8989% | 6,385 |
| Loan loss allowance to noncurrent loans | 33.6261% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 1.9899% | 2,654 |
| Noncurrent loans to loans | 2.6732% | 2,119 |
| Net loans and leases to total assets | 73.7691% | 1,282 |
| Net loans and leases to deposits | 94.3600% | 761 |
| Net loans and leases to core deposits | 95.1654% | 1,471 |
| Total domestic deposits to total assets | 78.1784% | 6,039 |
| Equity capital to assets | 20.4259% | 227 |
| Core capital (leverage) ratio | 20.3438% | 198 |
| Tier 1 risk-based capital ratio | 38.1680% | 281 |
| Total risk-based capital ratio | 39.4243% | 275 |
| Memoranda: |
| Average total assets | $42,227,000 | 6,496 |
| Average earning assets | $40,307,250 | 6,418 |
| Average equity | $8,062,000 | 5,544 |
| Average total loans | $33,520,500 | 5,853 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2645% | 1,112 |
| Cost of funding earning assets | 1.1504% | 1,024 |
| Net interest margin | 4.1141% | 2,033 |
| Noninterest income to average assets | 0.2282% | 5,936 |
| Noninterest expense to average assets | 3.1896% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6545% | 4,088 |
| Return on assets (ROA) | 0.6798% | 4,243 |
| Pretax return on assets | 1.0058% | 3,682 |
| Return on Equity (ROE) | 3.6398% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.6398% | 4,175 |
| Net charge-offs to loans | 0.7884% | 1,396 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.5182% | 4,232 |
| Efficiency ratio | 76.7077% | 2,634 |
| Assets per employee ($millions) | 4.0327% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8135% | 6,644 |
| Loan loss allowance to noncurrent loans | 37.5358% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 1.9714% | 2,814 |
| Noncurrent loans to loans | 2.1673% | 2,747 |
| Net loans and leases to total assets | 79.2124% | 592 |
| Net loans and leases to deposits | 101.0374% | 380 |
| Net loans and leases to core deposits | 101.8882% | 982 |
| Total domestic deposits to total assets | 78.3991% | 6,081 |
| Equity capital to assets | 20.0808% | 235 |
| Core capital (leverage) ratio | 19.8713% | 213 |
| Tier 1 risk-based capital ratio | 35.2762% | 335 |
| Total risk-based capital ratio | 36.4322% | 333 |
| Memoranda: |
| Average total assets | $42,952,000 | 6,510 |
| Average earning assets | $41,029,670 | 6,445 |
| Average equity | $8,022,330 | 5,569 |
| Average total loans | $34,756,000 | 5,840 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3939% | 922 |
| Cost of funding earning assets | 1.2448% | 797 |
| Net interest margin | 4.1492% | 1,944 |
| Noninterest income to average assets | 0.0542% | 6,912 |
| Noninterest expense to average assets | 3.1357% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5874% | 4,406 |
| Return on assets (ROA) | 0.5874% | 4,624 |
| Pretax return on assets | 0.8946% | 4,047 |
| Return on Equity (ROE) | 3.2563% | 5,613 |
| Retained earnings to average equity (ytd only) | 3.2563% | 4,616 |
| Net charge-offs to loans | 1.2989% | 785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8462% | 3,903 |
| Efficiency ratio | 77.8027% | 2,523 |
| Assets per employee ($millions) | 3.9505% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7965% | 6,750 |
| Loan loss allowance to noncurrent loans | 70.2500% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 4,221 |
| Noncurrent loans to loans | 1.1338% | 4,445 |
| Net loans and leases to total assets | 80.5366% | 359 |
| Net loans and leases to deposits | 100.5054% | 353 |
| Net loans and leases to core deposits | 102.0558% | 863 |
| Total domestic deposits to total assets | 80.1316% | 5,828 |
| Equity capital to assets | 18.4485% | 309 |
| Core capital (leverage) ratio | 18.4485% | 269 |
| Tier 1 risk-based capital ratio | 33.2863% | 388 |
| Total risk-based capital ratio | 34.4530% | 383 |
| Memoranda: |
| Average total assets | $44,264,500 | 6,529 |
| Average earning assets | $42,418,000 | 6,442 |
| Average equity | $7,984,500 | 5,602 |
| Average total loans | $36,031,000 | 5,827 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5105% | 1,147 |
| Cost of funding earning assets | 1.6672% | 367 |
| Net interest margin | 3.8433% | 3,605 |
| Noninterest income to average assets | -0.0705% | 7,077 |
| Noninterest expense to average assets | 2.6237% | 5,001 |
| Loan and lease loss provision to assets | 0.6969% | 1,470 |
| Net operating income to assets | 0.1576% | 5,711 |
| Return on assets (ROA) | 0.1576% | 5,852 |
| Pretax return on assets | 0.3049% | 5,546 |
| Return on Equity (ROE) | 0.9734% | 5,970 |
| Retained earnings to average equity (ytd only) | 0.9734% | 5,403 |
| Net charge-offs to loans | 1.2179% | 1,379 |
| Credit loss provision to net charge-offs | 68.4318% | 4,909 |
| Earnings coverage of net charge-offs (x) | 0.9837% | 5,058 |
| Efficiency ratio | 72.3684% | 3,507 |
| Assets per employee ($millions) | 5.0081% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9760% | 6,317 |
| Loan loss allowance to noncurrent loans | 233.1169% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 5,577 |
| Noncurrent loans to loans | 0.4187% | 5,874 |
| Net loans and leases to total assets | 80.8111% | 419 |
| Net loans and leases to deposits | 101.1637% | 410 |
| Net loans and leases to core deposits | 103.4009% | 937 |
| Total domestic deposits to total assets | 79.8815% | 5,773 |
| Equity capital to assets | 17.6425% | 367 |
| Core capital (leverage) ratio | 17.6425% | 322 |
| Tier 1 risk-based capital ratio | 34.2995% | 355 |
| Total risk-based capital ratio | 35.5504% | 349 |
| Memoranda: |
| Average total assets | $48,213,800 | 6,416 |
| Average earning assets | $46,366,200 | 6,318 |
| Average equity | $7,808,000 | 5,627 |
| Average total loans | $40,316,600 | 5,677 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5217% | 1,202 |
| Cost of funding earning assets | 1.7453% | 321 |
| Net interest margin | 3.7764% | 3,985 |
| Noninterest income to average assets | -0.0190% | 7,135 |
| Noninterest expense to average assets | 2.3728% | 5,840 |
| Loan and lease loss provision to assets | 0.7129% | 1,346 |
| Net operating income to assets | 0.1143% | 5,929 |
| Return on assets (ROA) | 0.1143% | 6,045 |
| Pretax return on assets | 0.5279% | 5,051 |
| Return on Equity (ROE) | 0.7205% | 6,124 |
| Retained earnings to average equity (ytd only) | 0.7205% | 5,727 |
| Net charge-offs to loans | 0.6796% | 2,215 |
| Credit loss provision to net charge-offs | 124.7619% | 2,577 |
| Earnings coverage of net charge-offs (x) | 2.1714% | 4,045 |
| Efficiency ratio | 65.6627% | 4,783 |
| Assets per employee ($millions) | 5.8526% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2924% | 5,045 |
| Loan loss allowance to noncurrent loans | 152.8529% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 2.2276% | 2,860 |
| Noncurrent loans to loans | 0.8455% | 5,178 |
| Net loans and leases to total assets | 83.0290% | 287 |
| Net loans and leases to deposits | 103.0320% | 349 |
| Net loans and leases to core deposits | 105.2411% | 905 |
| Total domestic deposits to total assets | 80.5856% | 5,573 |
| Equity capital to assets | 16.9112% | 490 |
| Core capital (leverage) ratio | 16.9112% | 410 |
| Tier 1 risk-based capital ratio | 32.3329% | 445 |
| Total risk-based capital ratio | 33.5824% | 438 |
| Memoranda: |
| Average total assets | $48,999,000 | 6,451 |
| Average earning assets | $47,134,000 | 6,333 |
| Average equity | $7,772,000 | 5,668 |
| Average total loans | $41,200,000 | 5,684 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5163% | 1,267 |
| Cost of funding earning assets | 1.7873% | 328 |
| Net interest margin | 3.7291% | 4,122 |
| Noninterest income to average assets | -0.0684% | 7,267 |
| Noninterest expense to average assets | 2.3529% | 5,986 |
| Loan and lease loss provision to assets | 1.0538% | 799 |
| Net operating income to assets | -0.2413% | 6,508 |
| Return on assets (ROA) | -0.2413% | 6,544 |
| Pretax return on assets | 0.1166% | 6,076 |
| Return on Equity (ROE) | -1.5537% | 6,472 |
| Retained earnings to average equity (ytd only) | -1.5537% | 6,167 |
| Net charge-offs to loans | 0.8803% | 1,762 |
| Credit loss provision to net charge-offs | 142.3913% | 2,144 |
| Earnings coverage of net charge-offs (x) | 1.5815% | 4,103 |
| Efficiency ratio | 66.7808% | 4,726 |
| Assets per employee ($millions) | 6.1078% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3105% | 5,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4347% | 4,058 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 82.4526% | 340 |
| Net loans and leases to deposits | 100.9623% | 448 |
| Net loans and leases to core deposits | 103.6881% | 1,061 |
| Total domestic deposits to total assets | 81.6667% | 5,285 |
| Equity capital to assets | 15.9961% | 610 |
| Core capital (leverage) ratio | 15.9961% | 508 |
| Tier 1 risk-based capital ratio | 30.6258% | 507 |
| Total risk-based capital ratio | 31.8679% | 499 |
| Memoranda: |
| Average total assets | $49,725,000 | 6,486 |
| Average earning assets | $47,894,000 | 6,369 |
| Average equity | $7,723,330 | 5,693 |
| Average total loans | $41,805,330 | 5,715 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5631% | 1,146 |
| Cost of funding earning assets | 1.8875% | 266 |
| Net interest margin | 3.6756% | 4,223 |
| Noninterest income to average assets | -0.1436% | 7,403 |
| Noninterest expense to average assets | 2.2649% | 6,272 |
| Loan and lease loss provision to assets | 4.0035% | 103 |
| Net operating income to assets | -3.1741% | 7,406 |
| Return on assets (ROA) | -3.1741% | 7,410 |
| Pretax return on assets | -2.8710% | 7,363 |
| Return on Equity (ROE) | -20.7373% | 7,228 |
| Retained earnings to average equity (ytd only) | -20.7373% | 7,166 |
| Net charge-offs to loans | 4.7474% | 163 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 0.2829% | 4,400 |
| Efficiency ratio | 66.6667% | 4,911 |
| Assets per employee ($millions) | 6.0893% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1097% | 6,009 |
| Loan loss allowance to noncurrent loans | 1,305.7143% | 312 |
| Noncurrent assets plus other real estate owned to assets | 1.7572% | 3,632 |
| Noncurrent loans to loans | 0.0850% | 6,831 |
| Net loans and leases to total assets | 83.6043% | 245 |
| Net loans and leases to deposits | 101.4472% | 406 |
| Net loans and leases to core deposits | 104.1398% | 1,055 |
| Total domestic deposits to total assets | 82.4116% | 5,140 |
| Equity capital to assets | 15.3508% | 694 |
| Core capital (leverage) ratio | 15.3508% | 599 |
| Tier 1 risk-based capital ratio | 28.7438% | 592 |
| Total risk-based capital ratio | 30.0008% | 579 |
| Memoranda: |
| Average total assets | $50,156,500 | 6,528 |
| Average earning assets | $48,318,000 | 6,400 |
| Average equity | $7,677,000 | 5,715 |
| Average total loans | $42,296,500 | 5,737 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8054% | 1,265 |
| Cost of funding earning assets | 2.3941% | 156 |
| Net interest margin | 3.4113% | 5,585 |
| Noninterest income to average assets | -0.0959% | 7,387 |
| Noninterest expense to average assets | 2.6154% | 5,351 |
| Loan and lease loss provision to assets | 0.6236% | 2,644 |
| Net operating income to assets | -0.0115% | 5,856 |
| Return on assets (ROA) | -0.0115% | 5,974 |
| Pretax return on assets | -0.0211% | 5,923 |
| Return on Equity (ROE) | -0.0762% | 5,972 |
| Retained earnings to average equity (ytd only) | -0.0762% | 5,611 |
| Net charge-offs to loans | 0.3872% | 4,102 |
| Credit loss provision to net charge-offs | 182.5843% | 1,808 |
| Earnings coverage of net charge-offs (x) | 1.7640% | 4,396 |
| Efficiency ratio | 81.2761% | 2,247 |
| Assets per employee ($millions) | 6.4499% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0528% | 6,136 |
| Loan loss allowance to noncurrent loans | 42.3540% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 3.1977% | 2,215 |
| Noncurrent loans to loans | 2.4857% | 3,039 |
| Net loans and leases to total assets | 83.2419% | 360 |
| Net loans and leases to deposits | 99.0910% | 634 |
| Net loans and leases to core deposits | 100.8736% | 1,545 |
| Total domestic deposits to total assets | 84.0055% | 4,360 |
| Equity capital to assets | 15.2639% | 730 |
| Core capital (leverage) ratio | 15.2639% | 620 |
| Tier 1 risk-based capital ratio | 28.5145% | 572 |
| Total risk-based capital ratio | 29.7708% | 562 |
| Memoranda: |
| Average total assets | $52,114,000 | 6,457 |
| Average earning assets | $50,625,200 | 6,346 |
| Average equity | $7,879,000 | 5,756 |
| Average total loans | $45,969,400 | 5,647 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8179% | 1,345 |
| Cost of funding earning assets | 2.4799% | 154 |
| Net interest margin | 3.3380% | 5,893 |
| Noninterest income to average assets | -0.0766% | 7,524 |
| Noninterest expense to average assets | 2.3480% | 6,178 |
| Loan and lease loss provision to assets | 0.8294% | 1,827 |
| Net operating income to assets | -0.1302% | 6,218 |
| Return on assets (ROA) | -0.1302% | 6,304 |
| Pretax return on assets | -0.0077% | 6,099 |
| Return on Equity (ROE) | -0.8630% | 6,267 |
| Retained earnings to average equity (ytd only) | -0.8630% | 5,990 |
| Net charge-offs to loans | 0.5092% | 3,253 |
| Credit loss provision to net charge-offs | 182.5843% | 1,995 |
| Earnings coverage of net charge-offs (x) | 1.8090% | 4,353 |
| Efficiency ratio | 74.0741% | 3,319 |
| Assets per employee ($millions) | 6.5191% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0053% | 6,370 |
| Loan loss allowance to noncurrent loans | 33.1640% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 4.0113% | 1,740 |
| Noncurrent loans to loans | 3.0312% | 2,631 |
| Net loans and leases to total assets | 86.2903% | 181 |
| Net loans and leases to deposits | 101.8260% | 544 |
| Net loans and leases to core deposits | 103.6267% | 1,519 |
| Total domestic deposits to total assets | 84.7430% | 3,752 |
| Equity capital to assets | 15.0154% | 890 |
| Core capital (leverage) ratio | 15.0154% | 713 |
| Tier 1 risk-based capital ratio | 27.3152% | 671 |
| Total risk-based capital ratio | 28.5640% | 663 |
| Memoranda: |
| Average total assets | $52,242,750 | 6,526 |
| Average earning assets | $50,807,500 | 6,410 |
| Average equity | $7,879,750 | 5,829 |
| Average total loans | $46,609,500 | 5,694 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9073% | 1,165 |
| Cost of funding earning assets | 2.5356% | 155 |
| Net interest margin | 3.3717% | 5,751 |
| Noninterest income to average assets | -0.0880% | 7,623 |
| Noninterest expense to average assets | 2.2574% | 6,484 |
| Loan and lease loss provision to assets | 0.7805% | 1,846 |
| Net operating income to assets | -0.0230% | 6,111 |
| Return on assets (ROA) | -0.0230% | 6,205 |
| Pretax return on assets | 0.1607% | 5,861 |
| Return on Equity (ROE) | -0.1520% | 6,203 |
| Retained earnings to average equity (ytd only) | -0.1520% | 5,765 |
| Net charge-offs to loans | 0.7107% | 2,440 |
| Credit loss provision to net charge-offs | 122.1557% | 3,311 |
| Earnings coverage of net charge-offs (x) | 1.4731% | 4,383 |
| Efficiency ratio | 70.5742% | 4,065 |
| Assets per employee ($millions) | 6.5889% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7532% | 7,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 86.7428% | 179 |
| Net loans and leases to deposits | 102.2291% | 585 |
| Net loans and leases to core deposits | 103.5253% | 1,683 |
| Total domestic deposits to total assets | 84.8514% | 3,707 |
| Equity capital to assets | 14.9419% | 895 |
| Core capital (leverage) ratio | 14.9419% | 731 |
| Tier 1 risk-based capital ratio | 27.8727% | 641 |
| Total risk-based capital ratio | 29.1008% | 628 |
| Memoranda: |
| Average total assets | $52,272,670 | 6,573 |
| Average earning assets | $50,953,670 | 6,447 |
| Average equity | $7,896,000 | 5,836 |
| Average total loans | $46,992,670 | 5,718 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9670% | 1,041 |
| Cost of funding earning assets | 2.6318% | 148 |
| Net interest margin | 3.3352% | 5,843 |
| Noninterest income to average assets | 0.0154% | 7,608 |
| Noninterest expense to average assets | 2.4360% | 5,964 |
| Loan and lease loss provision to assets | 0.2075% | 4,428 |
| Net operating income to assets | 0.3689% | 4,979 |
| Return on assets (ROA) | 0.3689% | 5,103 |
| Pretax return on assets | 0.6148% | 4,551 |
| Return on Equity (ROE) | 2.4285% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.4285% | 4,680 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7642% | 3,444 |
| Assets per employee ($millions) | 6.5614% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7125% | 7,315 |
| Loan loss allowance to noncurrent loans | 635.8491% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 5,799 |
| Noncurrent loans to loans | 0.1121% | 7,124 |
| Net loans and leases to total assets | 89.4668% | 85 |
| Net loans and leases to deposits | 105.5397% | 446 |
| Net loans and leases to core deposits | 106.1552% | 1,563 |
| Total domestic deposits to total assets | 84.7707% | 3,771 |
| Equity capital to assets | 15.1074% | 855 |
| Core capital (leverage) ratio | 15.1074% | 735 |
| Tier 1 risk-based capital ratio | 26.4263% | 745 |
| Total risk-based capital ratio | 27.5493% | 741 |
| Memoranda: |
| Average total assets | $52,053,500 | 6,665 |
| Average earning assets | $50,612,000 | 6,526 |
| Average equity | $7,906,000 | 5,879 |
| Average total loans | $47,454,000 | 5,784 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8635% | 2,394 |
| Cost of funding earning assets | 3.2004% | 127 |
| Net interest margin | 2.6630% | 7,258 |
| Noninterest income to average assets | -0.2338% | 7,872 |
| Noninterest expense to average assets | 2.2754% | 6,810 |
| Loan and lease loss provision to assets | 0.1097% | 6,550 |
| Net operating income to assets | -0.0144% | 5,513 |
| Return on assets (ROA) | -0.0144% | 5,563 |
| Pretax return on assets | -0.0162% | 5,473 |
| Return on Equity (ROE) | -0.1018% | 5,551 |
| Retained earnings to average equity (ytd only) | -0.1018% | 4,958 |
| Net charge-offs to loans | 0.2028% | 5,368 |
| Credit loss provision to net charge-offs | 60.3960% | 6,634 |
| Earnings coverage of net charge-offs (x) | 0.5149% | 5,600 |
| Efficiency ratio | 96.0516% | 1,314 |
| Assets per employee ($millions) | 7.3737% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6511% | 7,472 |
| Loan loss allowance to noncurrent loans | 130.8017% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 4,840 |
| Noncurrent loans to loans | 0.4978% | 6,257 |
| Net loans and leases to total assets | 91.6363% | 44 |
| Net loans and leases to deposits | 108.1911% | 451 |
| Net loans and leases to core deposits | 149.2836% | 527 |
| Total domestic deposits to total assets | 84.6985% | 3,710 |
| Equity capital to assets | 15.2705% | 848 |
| Core capital (leverage) ratio | 15.2705% | 728 |
| Tier 1 risk-based capital ratio | 26.1548% | 749 |
| Total risk-based capital ratio | 27.1834% | 752 |
| Memoranda: |
| Average total assets | $55,595,000 | 6,507 |
| Average earning assets | $54,336,400 | 6,360 |
| Average equity | $7,861,200 | 5,970 |
| Average total loans | $49,800,800 | 5,680 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8400% | 2,706 |
| Cost of funding earning assets | 3.2763% | 150 |
| Net interest margin | 2.5637% | 7,393 |
| Noninterest income to average assets | -0.4547% | 8,037 |
| Noninterest expense to average assets | 1.9626% | 7,451 |
| Loan and lease loss provision to assets | 0.1437% | 5,916 |
| Net operating income to assets | -0.1296% | 5,944 |
| Return on assets (ROA) | -0.1296% | 5,973 |
| Pretax return on assets | -0.0518% | 5,781 |
| Return on Equity (ROE) | -0.9334% | 5,918 |
| Retained earnings to average equity (ytd only) | -0.9334% | 5,475 |
| Net charge-offs to loans | 0.0265% | 6,511 |
| Credit loss provision to net charge-offs | 610.0000% | 626 |
| Earnings coverage of net charge-offs (x) | 3.9010% | 3,343 |
| Efficiency ratio | 95.5275% | 1,301 |
| Assets per employee ($millions) | 7.8793% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4826% | 7,737 |
| Loan loss allowance to noncurrent loans | 441.5094% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 5,261 |
| Noncurrent loans to loans | 0.1093% | 7,205 |
| Net loans and leases to total assets | 87.4862% | 235 |
| Net loans and leases to deposits | 106.7355% | 620 |
| Net loans and leases to core deposits | 140.4582% | 892 |
| Total domestic deposits to total assets | 81.9654% | 4,692 |
| Equity capital to assets | 14.2054% | 1,235 |
| Core capital (leverage) ratio | 14.2054% | 1,040 |
| Tier 1 risk-based capital ratio | 25.2872% | 869 |
| Total risk-based capital ratio | 26.0425% | 895 |
| Memoranda: |
| Average total assets | $56,589,750 | 6,519 |
| Average earning assets | $55,387,000 | 6,365 |
| Average equity | $7,856,000 | 6,030 |
| Average total loans | $50,348,750 | 5,698 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7824% | 3,126 |
| Cost of funding earning assets | 3.3349% | 183 |
| Net interest margin | 2.4475% | 7,526 |
| Noninterest income to average assets | -0.3540% | 8,102 |
| Noninterest expense to average assets | 1.9801% | 7,493 |
| Loan and lease loss provision to assets | 0.2138% | 4,909 |
| Net operating income to assets | -0.2663% | 6,282 |
| Return on assets (ROA) | -0.2663% | 6,298 |
| Pretax return on assets | -0.1507% | 6,063 |
| Return on Equity (ROE) | -1.9331% | 6,213 |
| Retained earnings to average equity (ytd only) | -1.9331% | 5,725 |
| Net charge-offs to loans | 0.0392% | 5,918 |
| Credit loss provision to net charge-offs | 610.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 4,211 |
| Efficiency ratio | 96.9125% | 1,316 |
| Assets per employee ($millions) | 8.3201% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4717% | 7,819 |
| Loan loss allowance to noncurrent loans | 17.7139% | 7,247 |
| Noncurrent assets plus other real estate owned to assets | 2.2682% | 2,874 |
| Noncurrent loans to loans | 2.6628% | 2,710 |
| Net loans and leases to total assets | 84.7770% | 529 |
| Net loans and leases to deposits | 104.3891% | 884 |
| Net loans and leases to core deposits | 139.5878% | 1,033 |
| Total domestic deposits to total assets | 81.2125% | 4,992 |
| Equity capital to assets | 13.4167% | 1,523 |
| Core capital (leverage) ratio | 13.4167% | 1,296 |
| Tier 1 risk-based capital ratio | 24.5600% | 979 |
| Total risk-based capital ratio | 25.2954% | 1,007 |
| Memoranda: |
| Average total assets | $57,068,000 | 6,550 |
| Average earning assets | $55,893,670 | 6,397 |
| Average equity | $7,863,000 | 6,068 |
| Average total loans | $50,969,330 | 5,720 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9777% | 2,451 |
| Cost of funding earning assets | 3.4241% | 184 |
| Net interest margin | 2.5536% | 7,438 |
| Noninterest income to average assets | -0.0425% | 8,111 |
| Noninterest expense to average assets | 1.8201% | 7,679 |
| Loan and lease loss provision to assets | 0.4320% | 2,768 |
| Net operating income to assets | -0.0354% | 6,310 |
| Return on assets (ROA) | -0.0354% | 6,441 |
| Pretax return on assets | 0.1983% | 5,941 |
| Return on Equity (ROE) | -0.2536% | 6,441 |
| Retained earnings to average equity (ytd only) | -0.2536% | 5,704 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2775% | 3,777 |
| Assets per employee ($millions) | 8.2469% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4585% | 7,880 |
| Loan loss allowance to noncurrent loans | 26.8966% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 2.2900% | 2,507 |
| Noncurrent loans to loans | 1.7046% | 3,700 |
| Net loans and leases to total assets | 88.0041% | 264 |
| Net loans and leases to deposits | 108.6486% | 693 |
| Net loans and leases to core deposits | 130.3610% | 1,637 |
| Total domestic deposits to total assets | 80.9988% | 4,969 |
| Equity capital to assets | 13.6589% | 1,477 |
| Core capital (leverage) ratio | 13.6589% | 1,277 |
| Tier 1 risk-based capital ratio | 24.3997% | 1,030 |
| Total risk-based capital ratio | 25.1238% | 1,073 |
| Memoranda: |
| Average total assets | $56,481,500 | 6,610 |
| Average earning assets | $55,138,500 | 6,451 |
| Average equity | $7,887,500 | 6,097 |
| Average total loans | $51,649,500 | 5,731 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2539% | 4,219 |
| Cost of funding earning assets | 3.8851% | 145 |
| Net interest margin | 2.3687% | 7,874 |
| Noninterest income to average assets | -0.0036% | 8,153 |
| Noninterest expense to average assets | 1.9876% | 7,463 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2156% | 5,804 |
| Return on assets (ROA) | 0.1972% | 5,675 |
| Pretax return on assets | 0.3055% | 5,502 |
| Return on Equity (ROE) | 1.4156% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.4156% | 4,371 |
| Net charge-offs to loans | 0.2307% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1.5285% | 5,336 |
| Efficiency ratio | 85.6159% | 1,897 |
| Assets per employee ($millions) | 7.8907% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4477% | 7,922 |
| Loan loss allowance to noncurrent loans | 60.6218% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.5135% | 3,189 |
| Noncurrent loans to loans | 0.7386% | 5,181 |
| Net loans and leases to total assets | 94.1939% | 27 |
| Net loans and leases to deposits | 117.4394% | 461 |
| Net loans and leases to core deposits | 154.5279% | 698 |
| Total domestic deposits to total assets | 80.2064% | 4,943 |
| Equity capital to assets | 14.2844% | 1,355 |
| Core capital (leverage) ratio | 14.2844% | 1,193 |
| Tier 1 risk-based capital ratio | 24.3759% | 1,042 |
| Total risk-based capital ratio | 25.0989% | 1,082 |
| Memoranda: |
| Average total assets | $56,297,800 | 6,512 |
| Average earning assets | $55,261,800 | 6,358 |
| Average equity | $7,841,400 | 6,157 |
| Average total loans | $53,325,400 | 5,562 |
