Home > Brickyard Bank > Performance and Condition Ratios
Brickyard Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 1,694 |
| Cost of funding earning assets | 0.8238% | 3,674 |
| Net interest margin | 4.3635% | 740 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.5243% | 2,235 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 3.3659% | 132 |
| Return on assets (ROA) | 3.3659% | 129 |
| Pretax return on assets | 1.7639% | 936 |
| Return on Equity (ROE) | 32.8800% | 144 |
| Retained earnings to average equity (ytd only) | 32.8753% | 39 |
| Net charge-offs to loans | -0.0209% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.0776% | 3,291 |
| Assets per employee ($millions) | 7.1928% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,069 |
| Loan loss allowance to noncurrent loans | 1,630.0885% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,109 |
| Noncurrent loans to loans | 0.0917% | 3,082 |
| Net loans and leases to total assets | 73.4000% | 1,428 |
| Net loans and leases to deposits | 98.1926% | 640 |
| Net loans and leases to core deposits | 112.9980% | 845 |
| Total domestic deposits to total assets | 74.7500% | 4,048 |
| Equity capital to assets | 12.8540% | 885 |
| Core capital (leverage) ratio | 13.4989% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4709% | 733 |
| Memoranda: | ||
| Average total assets | $164,918,800 | 3,232 |
| Average earning assets | $159,872,200 | 3,172 |
| Average equity | $16,885,000 | 3,104 |
| Average total loans | $119,636,200 | 2,959 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 1,808 |
| Cost of funding earning assets | 0.6436% | 3,890 |
| Net interest margin | 4.3674% | 733 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.5357% | 2,122 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.5138% | 1,092 |
| Return on assets (ROA) | 1.5138% | 1,086 |
| Pretax return on assets | 1.7614% | 1,062 |
| Return on Equity (ROE) | 15.8000% | 1,291 |
| Retained earnings to average equity (ytd only) | 15.7986% | 479 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.9619% | 3,210 |
| Assets per employee ($millions) | 6.6905% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 1,128 |
| Loan loss allowance to noncurrent loans | 2,355.8442% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,305 |
| Noncurrent loans to loans | 0.0634% | 3,301 |
| Net loans and leases to total assets | 77.7600% | 913 |
| Net loans and leases to deposits | 98.0603% | 615 |
| Net loans and leases to core deposits | 107.6570% | 949 |
| Total domestic deposits to total assets | 79.3000% | 3,638 |
| Equity capital to assets | 10.6361% | 1,494 |
| Core capital (leverage) ratio | 11.9917% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4712% | 888 |
| Memoranda: | ||
| Average total assets | $164,789,750 | 3,240 |
| Average earning assets | $160,550,000 | 3,178 |
| Average equity | $15,790,000 | 3,192 |
| Average total loans | $118,729,250 | 2,972 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8660% | 1,849 |
| Cost of funding earning assets | 0.5236% | 3,936 |
| Net interest margin | 4.3424% | 756 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.4414% | 2,371 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.6256% | 907 |
| Return on assets (ROA) | 1.6256% | 909 |
| Pretax return on assets | 1.8714% | 900 |
| Return on Equity (ROE) | 17.5500% | 1,008 |
| Retained earnings to average equity (ytd only) | 17.5539% | 369 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.9913% | 3,417 |
| Assets per employee ($millions) | 6.7377% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 1,236 |
| Loan loss allowance to noncurrent loans | 1,910.8696% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,200 |
| Noncurrent loans to loans | 0.0775% | 3,130 |
| Net loans and leases to total assets | 72.2900% | 1,494 |
| Net loans and leases to deposits | 85.7747% | 1,519 |
| Net loans and leases to core deposits | 93.4208% | 1,602 |
| Total domestic deposits to total assets | 84.2800% | 2,759 |
| Equity capital to assets | 9.9657% | 1,877 |
| Core capital (leverage) ratio | 11.2080% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6054% | 865 |
| Memoranda: | ||
| Average total assets | $168,426,000 | 3,222 |
| Average earning assets | $164,241,333 | 3,163 |
| Average equity | $15,597,667 | 3,224 |
| Average total loans | $117,813,000 | 2,973 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 1,787 |
| Cost of funding earning assets | 0.4843% | 3,746 |
| Net interest margin | 4.2414% | 885 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.4216% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6881% | 840 |
| Return on assets (ROA) | 1.6881% | 837 |
| Pretax return on assets | 1.8628% | 962 |
| Return on Equity (ROE) | 18.9100% | 897 |
| Retained earnings to average equity (ytd only) | 18.9061% | 446 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.5217% | 3,354 |
| Assets per employee ($millions) | 7.5688% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 1,334 |
| Loan loss allowance to noncurrent loans | 6,381.4815% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,680 |
| Noncurrent loans to loans | 0.0232% | 3,603 |
| Net loans and leases to total assets | 65.8200% | 2,076 |
| Net loans and leases to deposits | 74.4606% | 2,259 |
| Net loans and leases to core deposits | 81.4312% | 2,153 |
| Total domestic deposits to total assets | 88.3900% | 1,781 |
| Equity capital to assets | 9.0699% | 2,462 |
| Core capital (leverage) ratio | 10.3998% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4617% | 912 |
| Memoranda: | ||
| Average total assets | $171,786,500 | 3,247 |
| Average earning assets | $167,681,500 | 3,169 |
| Average equity | $15,339,000 | 3,275 |
| Average total loans | $117,388,500 | 3,008 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5829% | 2,850 |
| Cost of funding earning assets | 0.4014% | 2,089 |
| Net interest margin | 3.1816% | 2,926 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.0659% | 3,397 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9588% | 2,731 |
| Return on assets (ROA) | 0.9588% | 2,679 |
| Pretax return on assets | 1.0120% | 3,042 |
| Return on Equity (ROE) | 11.4800% | 2,312 |
| Retained earnings to average equity (ytd only) | 11.4800% | 785 |
| Net charge-offs to loans | -0.0048% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.3978% | 2,450 |
| Assets per employee ($millions) | 7.3391% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 1,766 |
| Loan loss allowance to noncurrent loans | 1,830.2326% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,294 |
| Noncurrent loans to loans | 0.0726% | 3,242 |
| Net loans and leases to total assets | 69.2600% | 1,705 |
| Net loans and leases to deposits | 77.7617% | 1,971 |
| Net loans and leases to core deposits | 85.2852% | 1,799 |
| Total domestic deposits to total assets | 89.0600% | 1,703 |
| Equity capital to assets | 8.8277% | 2,468 |
| Core capital (leverage) ratio | 10.2841% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6045% | 1,037 |
| Memoranda: | ||
| Average total assets | $176,779,000 | 3,220 |
| Average earning assets | $173,405,600 | 3,119 |
| Average equity | $14,764,800 | 3,385 |
| Average total loans | $104,225,400 | 3,093 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2149% | 3,400 |
| Cost of funding earning assets | 0.3945% | 1,327 |
| Net interest margin | 2.8203% | 3,688 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.0457% | 3,365 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7160% | 3,521 |
| Return on assets (ROA) | 0.7160% | 3,468 |
| Pretax return on assets | 0.7286% | 3,742 |
| Return on Equity (ROE) | 8.6900% | 3,117 |
| Retained earnings to average equity (ytd only) | 8.6891% | 1,759 |
| Net charge-offs to loans | -0.0066% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6749% | 1,562 |
| Assets per employee ($millions) | 7.7876% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 1,756 |
| Loan loss allowance to noncurrent loans | 151.1458% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 951 |
| Noncurrent loans to loans | 0.9010% | 866 |
| Net loans and leases to total assets | 61.3400% | 2,370 |
| Net loans and leases to deposits | 68.4967% | 2,495 |
| Net loans and leases to core deposits | 75.3551% | 2,248 |
| Total domestic deposits to total assets | 89.5600% | 1,847 |
| Equity capital to assets | 8.3431% | 2,648 |
| Core capital (leverage) ratio | 9.6502% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7513% | 1,036 |
| Memoranda: | ||
| Average total assets | $178,774,000 | 3,219 |
| Average earning assets | $175,390,000 | 3,125 |
| Average equity | $14,730,750 | 3,431 |
| Average total loans | $100,662,500 | 3,148 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9531% | 3,668 |
| Cost of funding earning assets | 0.4182% | 819 |
| Net interest margin | 2.5350% | 4,024 |
| Noninterest income to average assets | 0.0828% | 4,548 |
| Noninterest expense to average assets | 2.0016% | 3,425 |
| Loan and lease loss provision to assets | 0.0386% | 1,893 |
| Net operating income to assets | 0.5197% | 3,846 |
| Return on assets (ROA) | 0.5197% | 3,797 |
| Pretax return on assets | 0.5307% | 3,953 |
| Return on Equity (ROE) | 6.3322% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.3322% | 2,225 |
| Net charge-offs to loans | -0.0101% | 3,601 |
| Credit loss provision to net charge-offs | -700.0000% | 3,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8541% | 1,091 |
| Assets per employee ($millions) | 8.4019% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,778 |
| Loan loss allowance to noncurrent loans | 155.1181% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 1,130 |
| Noncurrent loans to loans | 0.8990% | 937 |
| Net loans and leases to total assets | 55.2661% | 2,827 |
| Net loans and leases to deposits | 61.5037% | 2,926 |
| Net loans and leases to core deposits | 66.7248% | 2,762 |
| Total domestic deposits to total assets | 89.8583% | 1,766 |
| Equity capital to assets | 8.1728% | 2,989 |
| Core capital (leverage) ratio | 8.8110% | 3,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5768% | 914 |
| Memoranda: | ||
| Average total assets | $181,256,000 | 3,235 |
| Average earning assets | $177,912,000 | 3,149 |
| Average equity | $14,876,333 | 3,509 |
| Average total loans | $98,699,667 | 3,203 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7722% | 3,798 |
| Cost of funding earning assets | 0.4410% | 689 |
| Net interest margin | 2.3312% | 4,184 |
| Noninterest income to average assets | 0.0893% | 4,545 |
| Noninterest expense to average assets | 1.9819% | 3,478 |
| Loan and lease loss provision to assets | 0.0762% | 1,077 |
| Net operating income to assets | 0.3223% | 4,099 |
| Return on assets (ROA) | 0.3223% | 4,066 |
| Pretax return on assets | 0.3223% | 4,154 |
| Return on Equity (ROE) | 3.9194% | 3,896 |
| Retained earnings to average equity (ytd only) | 3.9194% | 2,960 |
| Net charge-offs to loans | -0.0122% | 3,662 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2571% | 900 |
| Assets per employee ($millions) | 8.3816% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 2,043 |
| Loan loss allowance to noncurrent loans | 154.8931% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 1,260 |
| Noncurrent loans to loans | 0.8822% | 1,055 |
| Net loans and leases to total assets | 53.9017% | 2,771 |
| Net loans and leases to deposits | 60.5550% | 2,852 |
| Net loans and leases to core deposits | 65.4084% | 2,680 |
| Total domestic deposits to total assets | 89.0127% | 2,077 |
| Equity capital to assets | 8.0051% | 3,565 |
| Core capital (leverage) ratio | 8.5327% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8161% | 1,077 |
| Memoranda: | ||
| Average total assets | $183,664,500 | 3,218 |
| Average earning assets | $180,507,500 | 3,136 |
| Average equity | $15,104,500 | 3,555 |
| Average total loans | $98,604,500 | 3,208 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8055% | 4,199 |
| Cost of funding earning assets | 0.5436% | 739 |
| Net interest margin | 2.2619% | 4,443 |
| Noninterest income to average assets | 0.0803% | 4,661 |
| Noninterest expense to average assets | 1.9740% | 3,757 |
| Loan and lease loss provision to assets | 0.0308% | 2,441 |
| Net operating income to assets | 0.2826% | 4,444 |
| Return on assets (ROA) | 0.2826% | 4,468 |
| Pretax return on assets | 0.2952% | 4,499 |
| Return on Equity (ROE) | 3.2514% | 4,324 |
| Retained earnings to average equity (ytd only) | 3.2514% | 3,521 |
| Net charge-offs to loans | -0.0140% | 3,850 |
| Credit loss provision to net charge-offs | -415.3846% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8276% | 484 |
| Assets per employee ($millions) | 8.3152% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 1,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 51.9865% | 3,068 |
| Net loans and leases to deposits | 58.3402% | 3,225 |
| Net loans and leases to core deposits | 63.2758% | 3,045 |
| Total domestic deposits to total assets | 89.1092% | 1,453 |
| Equity capital to assets | 8.4446% | 4,087 |
| Core capital (leverage) ratio | 8.8183% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0956% | 878 |
| Memoranda: | ||
| Average total assets | $175,484,200 | 3,246 |
| Average earning assets | $172,197,600 | 3,161 |
| Average equity | $15,255,200 | 3,609 |
| Average total loans | $92,661,600 | 3,296 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8112% | 4,290 |
| Cost of funding earning assets | 0.5693% | 746 |
| Net interest margin | 2.2419% | 4,532 |
| Noninterest income to average assets | 0.0860% | 4,717 |
| Noninterest expense to average assets | 2.0235% | 3,599 |
| Loan and lease loss provision to assets | 0.0317% | 2,363 |
| Net operating income to assets | 0.2127% | 4,618 |
| Return on assets (ROA) | 0.2127% | 4,638 |
| Pretax return on assets | 0.2296% | 4,652 |
| Return on Equity (ROE) | 2.4286% | 4,532 |
| Retained earnings to average equity (ytd only) | 2.4286% | 4,074 |
| Net charge-offs to loans | -0.0145% | 3,833 |
| Credit loss provision to net charge-offs | -410.0000% | 3,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5714% | 360 |
| Assets per employee ($millions) | 7.7295% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 2,088 |
| Loan loss allowance to noncurrent loans | 562.9787% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 3,189 |
| Noncurrent loans to loans | 0.2458% | 2,953 |
| Net loans and leases to total assets | 55.4485% | 2,799 |
| Net loans and leases to deposits | 62.7493% | 2,976 |
| Net loans and leases to core deposits | 68.8980% | 2,694 |
| Total domestic deposits to total assets | 88.3650% | 1,641 |
| Equity capital to assets | 8.9986% | 3,833 |
| Core capital (leverage) ratio | 8.7789% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1848% | 928 |
| Memoranda: | ||
| Average total assets | $173,621,750 | 3,295 |
| Average earning assets | $170,265,000 | 3,211 |
| Average equity | $15,207,000 | 3,658 |
| Average total loans | $91,717,000 | 3,354 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7630% | 4,397 |
| Cost of funding earning assets | 0.5860% | 801 |
| Net interest margin | 2.1770% | 4,613 |
| Noninterest income to average assets | 0.0927% | 4,716 |
| Noninterest expense to average assets | 2.0056% | 3,680 |
| Loan and lease loss provision to assets | 0.0275% | 2,429 |
| Net operating income to assets | 0.1933% | 4,643 |
| Return on assets (ROA) | 0.1933% | 4,655 |
| Pretax return on assets | 0.1933% | 4,673 |
| Return on Equity (ROE) | 2.2273% | 4,573 |
| Retained earnings to average equity (ytd only) | 2.2273% | 4,062 |
| Net charge-offs to loans | -0.0133% | 3,800 |
| Credit loss provision to net charge-offs | -400.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0822% | 343 |
| Assets per employee ($millions) | 8.3640% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 1,973 |
| Loan loss allowance to noncurrent loans | 498.8506% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 3,218 |
| Noncurrent loans to loans | 0.2809% | 2,931 |
| Net loans and leases to total assets | 54.7597% | 3,045 |
| Net loans and leases to deposits | 62.0824% | 3,190 |
| Net loans and leases to core deposits | 68.0454% | 2,957 |
| Total domestic deposits to total assets | 88.2048% | 1,718 |
| Equity capital to assets | 9.0901% | 3,718 |
| Core capital (leverage) ratio | 8.7493% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3291% | 905 |
| Memoranda: | ||
| Average total assets | $174,813,000 | 3,292 |
| Average earning assets | $171,335,000 | 3,207 |
| Average equity | $15,175,333 | 3,659 |
| Average total loans | $90,418,667 | 3,390 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6951% | 4,487 |
| Cost of funding earning assets | 0.5989% | 878 |
| Net interest margin | 2.0962% | 4,681 |
| Noninterest income to average assets | 0.1142% | 4,618 |
| Noninterest expense to average assets | 1.9801% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1882% | 4,642 |
| Return on assets (ROA) | 0.1882% | 4,670 |
| Pretax return on assets | 0.1882% | 4,680 |
| Return on Equity (ROE) | 2.2164% | 4,581 |
| Retained earnings to average equity (ytd only) | 2.2164% | 3,964 |
| Net charge-offs to loans | -0.0135% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3223% | 340 |
| Assets per employee ($millions) | 8.1192% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 1,654 |
| Loan loss allowance to noncurrent loans | 300.7075% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 2,953 |
| Noncurrent loans to loans | 0.4941% | 2,375 |
| Net loans and leases to total assets | 47.3231% | 3,874 |
| Net loans and leases to deposits | 54.5362% | 3,903 |
| Net loans and leases to core deposits | 59.7124% | 3,722 |
| Total domestic deposits to total assets | 86.7738% | 2,408 |
| Equity capital to assets | 8.4922% | 4,124 |
| Core capital (leverage) ratio | 8.3650% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1281% | 670 |
| Memoranda: | ||
| Average total assets | $178,579,500 | 3,256 |
| Average earning assets | $174,985,000 | 3,166 |
| Average equity | $15,160,000 | 3,669 |
| Average total loans | $89,176,000 | 3,424 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 4,288 |
| Cost of funding earning assets | 0.8837% | 902 |
| Net interest margin | 2.4465% | 4,630 |
| Noninterest income to average assets | 0.1402% | 4,595 |
| Noninterest expense to average assets | 2.2873% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2428% | 4,511 |
| Return on assets (ROA) | 0.2428% | 4,578 |
| Pretax return on assets | 0.2428% | 4,616 |
| Return on Equity (ROE) | 2.4613% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.4613% | 3,624 |
| Net charge-offs to loans | 0.0299% | 2,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 2,266 |
| Efficiency ratio | 90.4031% | 365 |
| Assets per employee ($millions) | 7.7624% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 2,085 |
| Loan loss allowance to noncurrent loans | 298.5915% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 3,098 |
| Noncurrent loans to loans | 0.4603% | 2,588 |
| Net loans and leases to total assets | 51.1241% | 3,741 |
| Net loans and leases to deposits | 58.9240% | 3,834 |
| Net loans and leases to core deposits | 64.2818% | 3,672 |
| Total domestic deposits to total assets | 86.7629% | 2,051 |
| Equity capital to assets | 8.4862% | 4,452 |
| Core capital (leverage) ratio | 8.9992% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7487% | 804 |
| Memoranda: | ||
| Average total assets | $151,972,200 | 3,380 |
| Average earning assets | $148,459,600 | 3,288 |
| Average equity | $14,992,200 | 3,652 |
| Average total loans | $90,312,200 | 3,394 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 4,219 |
| Cost of funding earning assets | 0.9541% | 893 |
| Net interest margin | 2.5409% | 4,623 |
| Noninterest income to average assets | 0.1486% | 4,558 |
| Noninterest expense to average assets | 2.3605% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2679% | 4,495 |
| Return on assets (ROA) | 0.2679% | 4,539 |
| Pretax return on assets | 0.2679% | 4,586 |
| Return on Equity (ROE) | 2.6037% | 4,458 |
| Retained earnings to average equity (ytd only) | 2.6037% | 3,685 |
| Net charge-offs to loans | 0.0074% | 2,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 58.4000% | 1,112 |
| Efficiency ratio | 89.8080% | 367 |
| Assets per employee ($millions) | 7.3323% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 1,880 |
| Loan loss allowance to noncurrent loans | 752.3256% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 3,904 |
| Noncurrent loans to loans | 0.1820% | 3,656 |
| Net loans and leases to total assets | 57.7875% | 3,441 |
| Net loans and leases to deposits | 67.7016% | 3,490 |
| Net loans and leases to core deposits | 74.6752% | 3,268 |
| Total domestic deposits to total assets | 85.3561% | 2,298 |
| Equity capital to assets | 9.3590% | 3,808 |
| Core capital (leverage) ratio | 9.4403% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7269% | 815 |
| Memoranda: | ||
| Average total assets | $145,331,250 | 3,440 |
| Average earning assets | $141,835,500 | 3,349 |
| Average equity | $14,952,500 | 3,659 |
| Average total loans | $89,753,500 | 3,417 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6854% | 4,118 |
| Cost of funding earning assets | 1.0103% | 960 |
| Net interest margin | 2.6751% | 4,579 |
| Noninterest income to average assets | 0.1686% | 4,448 |
| Noninterest expense to average assets | 2.4713% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3071% | 4,406 |
| Return on assets (ROA) | 0.3071% | 4,453 |
| Pretax return on assets | 0.3071% | 4,526 |
| Return on Equity (ROE) | 2.8851% | 4,377 |
| Retained earnings to average equity (ytd only) | 2.8851% | 3,437 |
| Net charge-offs to loans | 0.0181% | 2,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 26.8750% | 1,504 |
| Efficiency ratio | 88.9460% | 415 |
| Assets per employee ($millions) | 7.2289% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 1,691 |
| Loan loss allowance to noncurrent loans | 222.5862% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 2,840 |
| Noncurrent loans to loans | 0.6153% | 2,320 |
| Net loans and leases to total assets | 58.4601% | 3,473 |
| Net loans and leases to deposits | 68.6247% | 3,514 |
| Net loans and leases to core deposits | 76.3386% | 3,257 |
| Total domestic deposits to total assets | 85.1882% | 2,316 |
| Equity capital to assets | 9.4470% | 3,706 |
| Core capital (leverage) ratio | 10.1570% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6075% | 828 |
| Memoranda: | ||
| Average total assets | $140,005,000 | 3,484 |
| Average earning assets | $136,593,333 | 3,392 |
| Average equity | $14,904,333 | 3,665 |
| Average total loans | $88,167,667 | 3,456 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 3,606 |
| Cost of funding earning assets | 1.1140% | 1,006 |
| Net interest margin | 2.9549% | 4,352 |
| Noninterest income to average assets | 0.2176% | 4,249 |
| Noninterest expense to average assets | 2.7067% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3893% | 4,160 |
| Return on assets (ROA) | 0.3893% | 4,193 |
| Pretax return on assets | 0.3893% | 4,308 |
| Return on Equity (ROE) | 3.4221% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.4221% | 2,916 |
| Net charge-offs to loans | 0.0517% | 1,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 11.5455% | 1,727 |
| Efficiency ratio | 87.4257% | 615 |
| Assets per employee ($millions) | 6.0515% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 1,248 |
| Loan loss allowance to noncurrent loans | 202.5157% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 2,494 |
| Noncurrent loans to loans | 0.7549% | 2,114 |
| Net loans and leases to total assets | 65.2823% | 2,902 |
| Net loans and leases to deposits | 77.0750% | 2,970 |
| Net loans and leases to core deposits | 88.4532% | 2,487 |
| Total domestic deposits to total assets | 84.6996% | 2,526 |
| Equity capital to assets | 11.7704% | 2,236 |
| Core capital (leverage) ratio | 11.4759% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4767% | 926 |
| Memoranda: | ||
| Average total assets | $130,490,000 | 3,578 |
| Average earning assets | $127,110,000 | 3,480 |
| Average equity | $14,844,500 | 3,677 |
| Average total loans | $85,120,000 | 3,497 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 2,285 |
| Cost of funding earning assets | 1.0599% | 1,477 |
| Net interest margin | 3.6559% | 2,941 |
| Noninterest income to average assets | 0.3555% | 3,574 |
| Noninterest expense to average assets | 2.9738% | 2,082 |
| Loan and lease loss provision to assets | 0.0226% | 3,571 |
| Net operating income to assets | 0.8909% | 3,245 |
| Return on assets (ROA) | 0.8909% | 3,332 |
| Pretax return on assets | 0.8909% | 3,765 |
| Return on Equity (ROE) | 7.5536% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.5536% | 1,141 |
| Net charge-offs to loans | -0.0146% | 4,561 |
| Credit loss provision to net charge-offs | -207.6923% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5010% | 1,310 |
| Assets per employee ($millions) | 6.0863% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 1,191 |
| Loan loss allowance to noncurrent loans | 374.3516% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 3,394 |
| Noncurrent loans to loans | 0.4035% | 2,994 |
| Net loans and leases to total assets | 63.2504% | 3,284 |
| Net loans and leases to deposits | 73.9169% | 3,362 |
| Net loans and leases to core deposits | 84.3099% | 2,923 |
| Total domestic deposits to total assets | 85.5696% | 2,257 |
| Equity capital to assets | 11.0017% | 2,995 |
| Core capital (leverage) ratio | 11.6392% | 2,010 |
| Tier 1 risk-based capital ratio | 18.5803% | 1,612 |
| Total risk-based capital ratio | 19.8349% | 1,582 |
| Memoranda: | ||
| Average total assets | $119,543,800 | 3,711 |
| Average earning assets | $115,483,600 | 3,626 |
| Average equity | $14,099,200 | 3,739 |
| Average total loans | $89,282,600 | 3,412 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 1,872 |
| Cost of funding earning assets | 1.0322% | 1,619 |
| Net interest margin | 3.8485% | 2,442 |
| Noninterest income to average assets | 0.4162% | 3,221 |
| Noninterest expense to average assets | 3.1310% | 1,637 |
| Loan and lease loss provision to assets | 0.0310% | 3,281 |
| Net operating income to assets | 0.9624% | 3,110 |
| Return on assets (ROA) | 0.9624% | 3,192 |
| Pretax return on assets | 0.9624% | 3,704 |
| Return on Equity (ROE) | 8.0048% | 3,305 |
| Retained earnings to average equity (ytd only) | 8.0048% | 1,389 |
| Net charge-offs to loans | -0.0148% | 4,499 |
| Credit loss provision to net charge-offs | -270.0000% | 4,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9130% | 1,347 |
| Assets per employee ($millions) | 5.5595% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,464 |
| Loan loss allowance to noncurrent loans | 322.3881% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 3,230 |
| Noncurrent loans to loans | 0.4437% | 2,982 |
| Net loans and leases to total assets | 73.0226% | 1,994 |
| Net loans and leases to deposits | 86.4508% | 2,140 |
| Net loans and leases to core deposits | 99.8435% | 1,669 |
| Total domestic deposits to total assets | 84.4673% | 2,642 |
| Equity capital to assets | 11.8494% | 2,375 |
| Core capital (leverage) ratio | 11.7791% | 2,015 |
| Tier 1 risk-based capital ratio | 17.5325% | 1,936 |
| Total risk-based capital ratio | 18.7869% | 1,903 |
| Memoranda: | ||
| Average total assets | $115,955,250 | 3,797 |
| Average earning assets | $111,728,250 | 3,718 |
| Average equity | $13,941,250 | 3,791 |
| Average total loans | $90,105,750 | 3,438 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 1,955 |
| Cost of funding earning assets | 0.9586% | 1,871 |
| Net interest margin | 3.8763% | 2,322 |
| Noninterest income to average assets | 0.5236% | 2,547 |
| Noninterest expense to average assets | 3.3363% | 1,219 |
| Loan and lease loss provision to assets | 0.0070% | 3,586 |
| Net operating income to assets | 0.9030% | 3,269 |
| Return on assets (ROA) | 0.9030% | 3,337 |
| Pretax return on assets | 0.9030% | 3,835 |
| Return on Equity (ROE) | 7.4724% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.4724% | 1,615 |
| Net charge-offs to loans | -0.0156% | 4,465 |
| Credit loss provision to net charge-offs | -57.1429% | 3,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5685% | 1,089 |
| Assets per employee ($millions) | 5.4310% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 1,717 |
| Loan loss allowance to noncurrent loans | 520.4918% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 3,760 |
| Noncurrent loans to loans | 0.2641% | 3,583 |
| Net loans and leases to total assets | 76.2575% | 1,511 |
| Net loans and leases to deposits | 90.3711% | 1,692 |
| Net loans and leases to core deposits | 104.1077% | 1,379 |
| Total domestic deposits to total assets | 84.3826% | 2,728 |
| Equity capital to assets | 11.8453% | 2,304 |
| Core capital (leverage) ratio | 12.6751% | 1,448 |
| Tier 1 risk-based capital ratio | 17.5546% | 1,923 |
| Total risk-based capital ratio | 18.8082% | 1,882 |
| Memoranda: | ||
| Average total assets | $113,837,000 | 3,846 |
| Average earning assets | $109,329,670 | 3,787 |
| Average equity | $13,757,330 | 3,822 |
| Average total loans | $89,937,670 | 3,457 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8279% | 1,825 |
| Cost of funding earning assets | 0.8826% | 2,080 |
| Net interest margin | 3.9453% | 2,041 |
| Noninterest income to average assets | 0.8864% | 1,070 |
| Noninterest expense to average assets | 3.7328% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9224% | 3,153 |
| Return on assets (ROA) | 0.9224% | 3,188 |
| Pretax return on assets | 0.9224% | 3,690 |
| Return on Equity (ROE) | 7.5519% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.5519% | 1,816 |
| Net charge-offs to loans | -0.0135% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1858% | 1,047 |
| Assets per employee ($millions) | 4.9609% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 1,689 |
| Loan loss allowance to noncurrent loans | 604.3062% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 3,863 |
| Noncurrent loans to loans | 0.2311% | 3,750 |
| Net loans and leases to total assets | 81.6912% | 623 |
| Net loans and leases to deposits | 94.0217% | 1,175 |
| Net loans and leases to core deposits | 106.2468% | 1,156 |
| Total domestic deposits to total assets | 86.8855% | 1,869 |
| Equity capital to assets | 12.6655% | 1,646 |
| Core capital (leverage) ratio | 12.5187% | 1,504 |
| Tier 1 risk-based capital ratio | 17.3794% | 1,982 |
| Total risk-based capital ratio | 18.6336% | 1,929 |
| Memoranda: | ||
| Average total assets | $111,014,500 | 3,918 |
| Average earning assets | $106,049,500 | 3,884 |
| Average equity | $13,559,500 | 3,861 |
| Average total loans | $88,714,500 | 3,518 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 2,002 |
| Cost of funding earning assets | 0.7181% | 1,976 |
| Net interest margin | 3.9280% | 2,236 |
| Noninterest income to average assets | -0.1798% | 5,382 |
| Noninterest expense to average assets | 3.7642% | 718 |
| Loan and lease loss provision to assets | -0.4584% | 5,381 |
| Net operating income to assets | 0.2067% | 5,103 |
| Return on assets (ROA) | 0.2031% | 5,104 |
| Pretax return on assets | 0.2031% | 5,114 |
| Return on Equity (ROE) | 1.8860% | 5,060 |
| Retained earnings to average equity (ytd only) | 1.8860% | 4,397 |
| Net charge-offs to loans | -0.0155% | 4,620 |
| Credit loss provision to net charge-offs | 3,923.0769% | 133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1648% | 95 |
| Assets per employee ($millions) | 4.9083% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,461 |
| Loan loss allowance to noncurrent loans | 116.6821% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 3.3475% | 166 |
| Noncurrent loans to loans | 1.2401% | 1,286 |
| Net loans and leases to total assets | 75.9589% | 1,623 |
| Net loans and leases to deposits | 86.6976% | 2,191 |
| Net loans and leases to core deposits | 97.1330% | 1,959 |
| Total domestic deposits to total assets | 87.6136% | 1,479 |
| Equity capital to assets | 11.7778% | 2,049 |
| Core capital (leverage) ratio | 12.1527% | 1,641 |
| Tier 1 risk-based capital ratio | 16.7711% | 2,147 |
| Total risk-based capital ratio | 18.0249% | 2,092 |
| Memoranda: | ||
| Average total assets | $111,259,800 | 3,922 |
| Average earning assets | $104,583,400 | 3,903 |
| Average equity | $11,983,200 | 4,031 |
| Average total loans | $84,090,000 | 3,591 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 2,304 |
| Cost of funding earning assets | 0.6776% | 1,985 |
| Net interest margin | 3.8221% | 2,559 |
| Noninterest income to average assets | -0.4715% | 5,467 |
| Noninterest expense to average assets | 3.8344% | 644 |
| Loan and lease loss provision to assets | -0.4859% | 5,453 |
| Net operating income to assets | -0.2309% | 5,348 |
| Return on assets (ROA) | -0.2357% | 5,348 |
| Pretax return on assets | -0.2357% | 5,346 |
| Return on Equity (ROE) | -2.2422% | 5,358 |
| Retained earnings to average equity (ytd only) | -2.2422% | 5,213 |
| Net charge-offs to loans | -0.0160% | 4,548 |
| Credit loss provision to net charge-offs | 4,040.0000% | 101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9938% | 51 |
| Assets per employee ($millions) | 4.7707% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 1,132 |
| Loan loss allowance to noncurrent loans | 85.0811% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 3.9143% | 132 |
| Noncurrent loans to loans | 1.8517% | 824 |
| Net loans and leases to total assets | 77.6060% | 1,398 |
| Net loans and leases to deposits | 87.2006% | 2,243 |
| Net loans and leases to core deposits | 95.5273% | 2,158 |
| Total domestic deposits to total assets | 88.9971% | 847 |
| Equity capital to assets | 10.4861% | 3,160 |
| Core capital (leverage) ratio | 10.4738% | 3,108 |
| Tier 1 risk-based capital ratio | 14.3812% | 3,183 |
| Total risk-based capital ratio | 15.6362% | 3,090 |
| Memoranda: | ||
| Average total assets | $110,852,250 | 3,971 |
| Average earning assets | $104,093,250 | 3,954 |
| Average equity | $11,655,000 | 4,101 |
| Average total loans | $83,360,250 | 3,636 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 2,458 |
| Cost of funding earning assets | 0.6464% | 1,945 |
| Net interest margin | 3.7425% | 2,776 |
| Noninterest income to average assets | 0.8835% | 1,231 |
| Noninterest expense to average assets | 3.8368% | 646 |
| Loan and lease loss provision to assets | -0.6290% | 5,522 |
| Net operating income to assets | 1.1720% | 2,306 |
| Return on assets (ROA) | 1.1648% | 2,330 |
| Pretax return on assets | 1.1648% | 3,077 |
| Return on Equity (ROE) | 10.7616% | 2,203 |
| Retained earnings to average equity (ytd only) | 10.7616% | 718 |
| Net charge-offs to loans | -0.0170% | 4,500 |
| Credit loss provision to net charge-offs | 5,014.2857% | 81 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6023% | 488 |
| Assets per employee ($millions) | 4.5653% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 893 |
| Loan loss allowance to noncurrent loans | 560.7143% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 3.7155% | 167 |
| Noncurrent loans to loans | 0.3047% | 3,615 |
| Net loans and leases to total assets | 74.1804% | 1,918 |
| Net loans and leases to deposits | 84.1335% | 2,519 |
| Net loans and leases to core deposits | 92.4423% | 2,363 |
| Total domestic deposits to total assets | 88.1699% | 1,293 |
| Equity capital to assets | 11.2798% | 2,380 |
| Core capital (leverage) ratio | 11.4651% | 2,098 |
| Tier 1 risk-based capital ratio | 15.8709% | 2,482 |
| Total risk-based capital ratio | 17.1276% | 2,425 |
| Memoranda: | ||
| Average total assets | $111,603,000 | 3,991 |
| Average earning assets | $104,262,330 | 3,980 |
| Average equity | $12,080,000 | 4,074 |
| Average total loans | $82,308,000 | 3,673 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 2,508 |
| Cost of funding earning assets | 0.6040% | 2,034 |
| Net interest margin | 3.6963% | 2,812 |
| Noninterest income to average assets | 0.9270% | 1,079 |
| Noninterest expense to average assets | 3.9140% | 580 |
| Loan and lease loss provision to assets | -0.8560% | 5,592 |
| Net operating income to assets | 1.2853% | 1,696 |
| Return on assets (ROA) | 1.2715% | 1,745 |
| Pretax return on assets | 1.3106% | 2,324 |
| Return on Equity (ROE) | 11.9928% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.9928% | 682 |
| Net charge-offs to loans | -0.0146% | 4,407 |
| Credit loss provision to net charge-offs | 8,033.3333% | 35 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3031% | 477 |
| Assets per employee ($millions) | 5.0395% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 735 |
| Loan loss allowance to noncurrent loans | 231.9084% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 4.0354% | 154 |
| Noncurrent loans to loans | 0.7893% | 2,237 |
| Net loans and leases to total assets | 73.4779% | 1,951 |
| Net loans and leases to deposits | 82.9253% | 2,508 |
| Net loans and leases to core deposits | 91.2446% | 2,354 |
| Total domestic deposits to total assets | 88.6074% | 1,303 |
| Equity capital to assets | 10.8893% | 2,692 |
| Core capital (leverage) ratio | 10.8789% | 2,558 |
| Tier 1 risk-based capital ratio | 15.3888% | 2,700 |
| Total risk-based capital ratio | 16.6462% | 2,639 |
| Memoranda: | ||
| Average total assets | $112,620,500 | 4,018 |
| Average earning assets | $105,294,000 | 4,006 |
| Average equity | $11,940,500 | 4,134 |
| Average total loans | $82,116,500 | 3,711 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 2,862 |
| Cost of funding earning assets | 0.5291% | 2,103 |
| Net interest margin | 3.6256% | 3,083 |
| Noninterest income to average assets | 1.0161% | 984 |
| Noninterest expense to average assets | 3.9951% | 539 |
| Loan and lease loss provision to assets | -0.0738% | 5,438 |
| Net operating income to assets | 0.4642% | 4,478 |
| Return on assets (ROA) | 0.4642% | 4,513 |
| Pretax return on assets | 0.4780% | 4,958 |
| Return on Equity (ROE) | 5.0269% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.0269% | 2,109 |
| Net charge-offs to loans | -0.1135% | 5,403 |
| Credit loss provision to net charge-offs | 88.8889% | 2,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8118% | 391 |
| Assets per employee ($millions) | 5.1987% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1625% | 398 |
| Loan loss allowance to noncurrent loans | 317.1480% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 3.8235% | 160 |
| Noncurrent loans to loans | 0.6819% | 2,508 |
| Net loans and leases to total assets | 69.5036% | 2,601 |
| Net loans and leases to deposits | 77.9097% | 3,120 |
| Net loans and leases to core deposits | 84.8974% | 2,993 |
| Total domestic deposits to total assets | 89.2106% | 903 |
| Equity capital to assets | 10.3243% | 3,362 |
| Core capital (leverage) ratio | 10.6669% | 2,679 |
| Tier 1 risk-based capital ratio | 15.3820% | 2,669 |
| Total risk-based capital ratio | 16.6443% | 2,601 |
| Memoranda: | ||
| Average total assets | $108,358,800 | 4,095 |
| Average earning assets | $101,113,000 | 4,079 |
| Average equity | $10,006,200 | 4,445 |
| Average total loans | $79,296,600 | 3,763 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 2,854 |
| Cost of funding earning assets | 0.5287% | 2,045 |
| Net interest margin | 3.6070% | 3,124 |
| Noninterest income to average assets | 1.0581% | 912 |
| Noninterest expense to average assets | 4.0328% | 496 |
| Loan and lease loss provision to assets | -0.0998% | 5,583 |
| Net operating income to assets | 0.4879% | 4,766 |
| Return on assets (ROA) | 0.4879% | 4,803 |
| Pretax return on assets | 0.4879% | 5,051 |
| Return on Equity (ROE) | 5.4556% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.4556% | 2,564 |
| Net charge-offs to loans | -0.1472% | 5,473 |
| Credit loss provision to net charge-offs | 91.9540% | 2,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2221% | 369 |
| Assets per employee ($millions) | 4.4362% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1284% | 458 |
| Loan loss allowance to noncurrent loans | 57.8357% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 6.4338% | 61 |
| Noncurrent loans to loans | 3.6801% | 289 |
| Net loans and leases to total assets | 75.7112% | 1,637 |
| Net loans and leases to deposits | 85.5250% | 2,360 |
| Net loans and leases to core deposits | 100.2213% | 1,688 |
| Total domestic deposits to total assets | 88.5253% | 1,107 |
| Equity capital to assets | 11.0032% | 2,856 |
| Core capital (leverage) ratio | 11.2356% | 2,236 |
| Tier 1 risk-based capital ratio | 14.9565% | 2,936 |
| Total risk-based capital ratio | 16.2183% | 2,860 |
| Memoranda: | ||
| Average total assets | $106,855,750 | 4,160 |
| Average earning assets | $99,619,500 | 4,146 |
| Average equity | $9,555,750 | 4,561 |
| Average total loans | $78,808,500 | 3,803 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,052 |
| Cost of funding earning assets | 0.5236% | 1,977 |
| Net interest margin | 3.5146% | 3,342 |
| Noninterest income to average assets | 1.0543% | 910 |
| Noninterest expense to average assets | 3.9455% | 567 |
| Loan and lease loss provision to assets | -0.1469% | 5,679 |
| Net operating income to assets | 0.4739% | 4,776 |
| Return on assets (ROA) | 0.4739% | 4,808 |
| Pretax return on assets | 0.4739% | 5,049 |
| Return on Equity (ROE) | 4.8063% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.8063% | 2,844 |
| Net charge-offs to loans | -0.2087% | 5,580 |
| Credit loss provision to net charge-offs | 98.7654% | 2,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3474% | 351 |
| Assets per employee ($millions) | 4.2159% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1954% | 439 |
| Loan loss allowance to noncurrent loans | 62.3483% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 8.0847% | 40 |
| Noncurrent loans to loans | 3.5212% | 322 |
| Net loans and leases to total assets | 73.8427% | 1,900 |
| Net loans and leases to deposits | 83.4008% | 2,555 |
| Net loans and leases to core deposits | 98.0436% | 1,804 |
| Total domestic deposits to total assets | 88.5395% | 1,182 |
| Equity capital to assets | 10.9813% | 2,827 |
| Core capital (leverage) ratio | 10.7560% | 2,644 |
| Tier 1 risk-based capital ratio | 14.9908% | 2,927 |
| Total risk-based capital ratio | 16.2531% | 2,859 |
| Memoranda: | ||
| Average total assets | $108,884,670 | 4,145 |
| Average earning assets | $99,699,000 | 4,168 |
| Average equity | $10,736,000 | 4,401 |
| Average total loans | $77,624,000 | 3,849 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9109% | 3,363 |
| Cost of funding earning assets | 0.4967% | 2,117 |
| Net interest margin | 3.4142% | 3,604 |
| Noninterest income to average assets | 1.0883% | 839 |
| Noninterest expense to average assets | 3.8688% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3507% | 5,072 |
| Return on assets (ROA) | 0.3507% | 5,092 |
| Pretax return on assets | 0.3507% | 5,234 |
| Return on Equity (ROE) | 3.7608% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.7608% | 3,568 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6881% | 469 |
| Assets per employee ($millions) | 4.5257% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2545% | 438 |
| Loan loss allowance to noncurrent loans | 38.3483% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 9.8684% | 37 |
| Noncurrent loans to loans | 5.8791% | 118 |
| Net loans and leases to total assets | 72.7236% | 1,959 |
| Net loans and leases to deposits | 81.1958% | 2,604 |
| Net loans and leases to core deposits | 89.4585% | 2,402 |
| Total domestic deposits to total assets | 89.5658% | 869 |
| Equity capital to assets | 9.9577% | 3,808 |
| Core capital (leverage) ratio | 9.4943% | 4,127 |
| Tier 1 risk-based capital ratio | 13.8684% | 3,563 |
| Total risk-based capital ratio | 15.1308% | 3,467 |
| Memoranda: | ||
| Average total assets | $110,628,500 | 4,160 |
| Average earning assets | $101,460,000 | 4,182 |
| Average equity | $10,317,000 | 4,493 |
| Average total loans | $76,648,500 | 3,891 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 4,365 |
| Cost of funding earning assets | 0.5899% | 1,408 |
| Net interest margin | 3.0613% | 4,817 |
| Noninterest income to average assets | 1.1618% | 842 |
| Noninterest expense to average assets | 3.9740% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.0732% | 5,676 |
| Return on assets (ROA) | -0.0732% | 5,688 |
| Pretax return on assets | -0.0732% | 5,684 |
| Return on Equity (ROE) | -0.8865% | 5,698 |
| Retained earnings to average equity (ytd only) | -0.8865% | 5,431 |
| Net charge-offs to loans | 0.2830% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -0.4058% | 4,154 |
| Efficiency ratio | 101.8754% | 201 |
| Assets per employee ($millions) | 5.3258% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3018% | 400 |
| Loan loss allowance to noncurrent loans | 63.8858% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 7.3442% | 58 |
| Noncurrent loans to loans | 3.6030% | 325 |
| Net loans and leases to total assets | 63.2490% | 3,442 |
| Net loans and leases to deposits | 69.6874% | 3,940 |
| Net loans and leases to core deposits | 75.3840% | 3,806 |
| Total domestic deposits to total assets | 90.7611% | 362 |
| Equity capital to assets | 8.7644% | 5,052 |
| Core capital (leverage) ratio | 8.9606% | 4,783 |
| Tier 1 risk-based capital ratio | 13.8946% | 3,522 |
| Total risk-based capital ratio | 15.1577% | 3,427 |
| Memoranda: | ||
| Average total assets | $114,822,000 | 4,083 |
| Average earning assets | $102,735,400 | 4,144 |
| Average equity | $9,475,600 | 4,661 |
| Average total loans | $73,142,400 | 3,962 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6924% | 4,275 |
| Cost of funding earning assets | 0.6125% | 1,250 |
| Net interest margin | 3.0798% | 4,826 |
| Noninterest income to average assets | 1.0796% | 971 |
| Noninterest expense to average assets | 4.1072% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2930% | 5,823 |
| Return on assets (ROA) | -0.2930% | 5,831 |
| Pretax return on assets | -0.2930% | 5,813 |
| Return on Equity (ROE) | -3.6073% | 5,844 |
| Retained earnings to average equity (ytd only) | -3.6073% | 5,682 |
| Net charge-offs to loans | 0.1178% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -3.9220% | 3,888 |
| Efficiency ratio | 107.6805% | 137 |
| Assets per employee ($millions) | 5.3068% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6045% | 289 |
| Loan loss allowance to noncurrent loans | 60.0636% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 9.9847% | 39 |
| Noncurrent loans to loans | 4.3363% | 231 |
| Net loans and leases to total assets | 60.5050% | 3,816 |
| Net loans and leases to deposits | 66.0468% | 4,340 |
| Net loans and leases to core deposits | 71.1448% | 4,239 |
| Total domestic deposits to total assets | 91.6093% | 108 |
| Equity capital to assets | 7.8673% | 5,779 |
| Core capital (leverage) ratio | 8.0812% | 5,649 |
| Tier 1 risk-based capital ratio | 12.3833% | 4,547 |
| Total risk-based capital ratio | 13.6494% | 4,436 |
| Memoranda: | ||
| Average total assets | $114,235,750 | 4,119 |
| Average earning assets | $101,432,250 | 4,204 |
| Average equity | $9,277,250 | 4,748 |
| Average total loans | $72,464,750 | 4,008 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6933% | 4,318 |
| Cost of funding earning assets | 0.6222% | 1,182 |
| Net interest margin | 3.0711% | 4,918 |
| Noninterest income to average assets | 1.1905% | 795 |
| Noninterest expense to average assets | 4.1994% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2928% | 5,874 |
| Return on assets (ROA) | -0.2928% | 5,888 |
| Pretax return on assets | -0.2928% | 5,878 |
| Return on Equity (ROE) | -3.5668% | 5,911 |
| Retained earnings to average equity (ytd only) | -3.5668% | 5,677 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4944% | 160 |
| Assets per employee ($millions) | 5.1730% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6777% | 289 |
| Loan loss allowance to noncurrent loans | 34.9374% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 10.0549% | 46 |
| Noncurrent loans to loans | 7.6641% | 79 |
| Net loans and leases to total assets | 62.3734% | 3,580 |
| Net loans and leases to deposits | 68.3386% | 4,151 |
| Net loans and leases to core deposits | 74.3342% | 3,953 |
| Total domestic deposits to total assets | 91.2710% | 142 |
| Equity capital to assets | 8.1385% | 5,760 |
| Core capital (leverage) ratio | 8.2297% | 5,585 |
| Tier 1 risk-based capital ratio | 12.5523% | 4,480 |
| Total risk-based capital ratio | 13.8187% | 4,380 |
| Memoranda: | ||
| Average total assets | $113,398,000 | 4,162 |
| Average earning assets | $100,288,670 | 4,261 |
| Average equity | $9,308,000 | 4,775 |
| Average total loans | $72,443,670 | 4,029 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 4,266 |
| Cost of funding earning assets | 0.6240% | 1,192 |
| Net interest margin | 3.0920% | 4,885 |
| Noninterest income to average assets | 0.9294% | 1,235 |
| Noninterest expense to average assets | 4.2582% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.6149% | 5,988 |
| Return on assets (ROA) | -0.6149% | 5,993 |
| Pretax return on assets | -0.6149% | 5,986 |
| Return on Equity (ROE) | -7.4590% | 6,006 |
| Retained earnings to average equity (ytd only) | -7.4590% | 5,736 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.8768% | 119 |
| Assets per employee ($millions) | 4.8261% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7086% | 308 |
| Loan loss allowance to noncurrent loans | 38.3995% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 11.1099% | 43 |
| Noncurrent loans to loans | 7.0536% | 99 |
| Net loans and leases to total assets | 63.2000% | 3,356 |
| Net loans and leases to deposits | 69.3627% | 3,913 |
| Net loans and leases to core deposits | 75.6560% | 3,708 |
| Total domestic deposits to total assets | 91.1153% | 239 |
| Equity capital to assets | 8.3351% | 5,673 |
| Core capital (leverage) ratio | 8.3141% | 5,557 |
| Tier 1 risk-based capital ratio | 12.4647% | 4,605 |
| Total risk-based capital ratio | 13.7313% | 4,501 |
| Memoranda: | ||
| Average total assets | $113,194,500 | 4,195 |
| Average earning assets | $99,352,500 | 4,311 |
| Average equity | $9,331,000 | 4,797 |
| Average total loans | $72,197,000 | 4,062 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 4,758 |
| Cost of funding earning assets | 0.6623% | 1,004 |
| Net interest margin | 2.9052% | 5,331 |
| Noninterest income to average assets | 1.0062% | 1,165 |
| Noninterest expense to average assets | 4.0083% | 667 |
| Loan and lease loss provision to assets | -0.0310% | 5,694 |
| Net operating income to assets | -0.4505% | 6,034 |
| Return on assets (ROA) | -0.4505% | 6,042 |
| Pretax return on assets | -0.4505% | 6,029 |
| Return on Equity (ROE) | -5.4083% | 6,055 |
| Retained earnings to average equity (ytd only) | -5.4083% | 5,934 |
| Net charge-offs to loans | 0.2356% | 1,263 |
| Credit loss provision to net charge-offs | -22.6415% | 4,993 |
| Earnings coverage of net charge-offs (x) | -3.5157% | 4,382 |
| Efficiency ratio | 113.6541% | 115 |
| Assets per employee ($millions) | 5.0169% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7017% | 317 |
| Loan loss allowance to noncurrent loans | 39.7032% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 10.4247% | 53 |
| Noncurrent loans to loans | 6.8046% | 110 |
| Net loans and leases to total assets | 60.9556% | 3,701 |
| Net loans and leases to deposits | 66.8225% | 4,238 |
| Net loans and leases to core deposits | 72.1491% | 4,118 |
| Total domestic deposits to total assets | 91.2201% | 234 |
| Equity capital to assets | 8.1550% | 5,781 |
| Core capital (leverage) ratio | 8.5821% | 5,348 |
| Tier 1 risk-based capital ratio | 12.9913% | 4,323 |
| Total risk-based capital ratio | 14.2586% | 4,221 |
| Memoranda: | ||
| Average total assets | $116,084,000 | 4,135 |
| Average earning assets | $100,716,800 | 4,267 |
| Average equity | $9,670,400 | 4,716 |
| Average total loans | $67,484,800 | 4,159 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 4,716 |
| Cost of funding earning assets | 0.6737% | 964 |
| Net interest margin | 2.9331% | 5,348 |
| Noninterest income to average assets | 0.9978% | 1,186 |
| Noninterest expense to average assets | 4.0277% | 645 |
| Loan and lease loss provision to assets | 0.0459% | 3,288 |
| Net operating income to assets | -0.5344% | 6,145 |
| Return on assets (ROA) | -0.5344% | 6,148 |
| Pretax return on assets | -0.5344% | 6,143 |
| Return on Equity (ROE) | -6.3820% | 6,153 |
| Retained earnings to average equity (ytd only) | -6.3820% | 6,064 |
| Net charge-offs to loans | -0.1951% | 5,985 |
| Credit loss provision to net charge-offs | -41.2371% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8043% | 124 |
| Assets per employee ($millions) | 5.1691% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2712% | 186 |
| Loan loss allowance to noncurrent loans | 50.1206% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 10.2612% | 56 |
| Noncurrent loans to loans | 6.5266% | 112 |
| Net loans and leases to total assets | 59.4161% | 3,947 |
| Net loans and leases to deposits | 65.3115% | 4,444 |
| Net loans and leases to core deposits | 70.4237% | 4,331 |
| Total domestic deposits to total assets | 90.9734% | 247 |
| Equity capital to assets | 8.3706% | 5,786 |
| Core capital (leverage) ratio | 8.3043% | 5,716 |
| Tier 1 risk-based capital ratio | 13.5549% | 4,110 |
| Total risk-based capital ratio | 14.8299% | 4,019 |
| Memoranda: | ||
| Average total assets | $116,257,750 | 4,175 |
| Average earning assets | $100,732,500 | 4,313 |
| Average equity | $9,735,500 | 4,759 |
| Average total loans | $66,283,750 | 4,231 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5744% | 4,791 |
| Cost of funding earning assets | 0.6727% | 978 |
| Net interest margin | 2.9017% | 5,440 |
| Noninterest income to average assets | 0.9718% | 1,239 |
| Noninterest expense to average assets | 3.9879% | 682 |
| Loan and lease loss provision to assets | 0.0683% | 2,747 |
| Net operating income to assets | -0.5721% | 6,202 |
| Return on assets (ROA) | -0.5721% | 6,210 |
| Pretax return on assets | -0.5721% | 6,199 |
| Return on Equity (ROE) | -6.8314% | 6,220 |
| Retained earnings to average equity (ytd only) | -6.8314% | 6,083 |
| Net charge-offs to loans | -0.2980% | 6,118 |
| Credit loss provision to net charge-offs | -41.2371% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4608% | 135 |
| Assets per employee ($millions) | 5.3780% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4307% | 168 |
| Loan loss allowance to noncurrent loans | 122.8495% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 7.5815% | 100 |
| Noncurrent loans to loans | 2.7926% | 750 |
| Net loans and leases to total assets | 54.3634% | 4,515 |
| Net loans and leases to deposits | 59.6036% | 4,885 |
| Net loans and leases to core deposits | 62.0376% | 4,944 |
| Total domestic deposits to total assets | 91.2082% | 252 |
| Equity capital to assets | 8.1444% | 5,915 |
| Core capital (leverage) ratio | 8.1597% | 5,824 |
| Tier 1 risk-based capital ratio | 14.3065% | 3,759 |
| Total risk-based capital ratio | 15.5824% | 3,657 |
| Memoranda: | ||
| Average total assets | $117,103,670 | 4,204 |
| Average earning assets | $101,387,330 | 4,335 |
| Average equity | $9,807,670 | 4,786 |
| Average total loans | $65,094,000 | 4,308 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6213% | 4,622 |
| Cost of funding earning assets | 0.6780% | 962 |
| Net interest margin | 2.9433% | 5,365 |
| Noninterest income to average assets | 0.9339% | 1,287 |
| Noninterest expense to average assets | 4.0310% | 661 |
| Loan and lease loss provision to assets | 0.1270% | 1,631 |
| Net operating income to assets | -0.6901% | 6,279 |
| Return on assets (ROA) | -0.6901% | 6,284 |
| Pretax return on assets | -0.6901% | 6,272 |
| Return on Equity (ROE) | -8.1265% | 6,304 |
| Retained earnings to average equity (ytd only) | -8.1265% | 6,085 |
| Net charge-offs to loans | -0.3171% | 6,157 |
| Credit loss provision to net charge-offs | -72.5490% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.2376% | 149 |
| Assets per employee ($millions) | 5.4906% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4207% | 194 |
| Loan loss allowance to noncurrent loans | 191.4384% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 7.1793% | 124 |
| Noncurrent loans to loans | 1.7868% | 1,519 |
| Net loans and leases to total assets | 54.7523% | 4,344 |
| Net loans and leases to deposits | 60.2942% | 4,721 |
| Net loans and leases to core deposits | 65.2328% | 4,594 |
| Total domestic deposits to total assets | 90.8086% | 435 |
| Equity capital to assets | 8.5176% | 5,728 |
| Core capital (leverage) ratio | 8.3879% | 5,648 |
| Tier 1 risk-based capital ratio | 14.4899% | 3,729 |
| Total risk-based capital ratio | 15.7645% | 3,639 |
| Memoranda: | ||
| Average total assets | $116,498,000 | 4,249 |
| Average earning assets | $100,295,500 | 4,391 |
| Average equity | $9,893,500 | 4,805 |
| Average total loans | $64,338,500 | 4,356 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3579% | 5,613 |
| Cost of funding earning assets | 0.7002% | 1,111 |
| Net interest margin | 2.6577% | 6,001 |
| Noninterest income to average assets | 0.3809% | 4,340 |
| Noninterest expense to average assets | 3.9566% | 797 |
| Loan and lease loss provision to assets | 0.1592% | 1,649 |
| Net operating income to assets | -1.4447% | 6,425 |
| Return on assets (ROA) | -1.4447% | 6,424 |
| Pretax return on assets | -1.4447% | 6,416 |
| Return on Equity (ROE) | -17.0611% | 6,423 |
| Retained earnings to average equity (ytd only) | -17.0611% | 6,399 |
| Net charge-offs to loans | 2.7390% | 47 |
| Credit loss provision to net charge-offs | 11.6667% | 4,083 |
| Earnings coverage of net charge-offs (x) | -0.9423% | 4,796 |
| Efficiency ratio | 148.1301% | 56 |
| Assets per employee ($millions) | 5.6044% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3928% | 202 |
| Loan loss allowance to noncurrent loans | 76.0893% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 8.4398% | 107 |
| Noncurrent loans to loans | 4.4590% | 378 |
| Net loans and leases to total assets | 51.9674% | 4,788 |
| Net loans and leases to deposits | 57.1672% | 5,115 |
| Net loans and leases to core deposits | 61.6820% | 5,024 |
| Total domestic deposits to total assets | 90.9043% | 401 |
| Equity capital to assets | 8.4678% | 5,776 |
| Core capital (leverage) ratio | 8.6287% | 5,406 |
| Tier 1 risk-based capital ratio | 14.9547% | 3,511 |
| Total risk-based capital ratio | 16.2290% | 3,433 |
| Memoranda: | ||
| Average total assets | $123,137,200 | 4,119 |
| Average earning assets | $106,108,000 | 4,264 |
| Average equity | $10,427,200 | 4,671 |
| Average total loans | $61,335,400 | 4,451 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 5,745 |
| Cost of funding earning assets | 0.7063% | 1,121 |
| Net interest margin | 2.6069% | 6,128 |
| Noninterest income to average assets | 0.2249% | 5,587 |
| Noninterest expense to average assets | 3.9796% | 773 |
| Loan and lease loss provision to assets | 0.0846% | 2,663 |
| Net operating income to assets | -1.5861% | 6,507 |
| Return on assets (ROA) | -1.5861% | 6,504 |
| Pretax return on assets | -1.5861% | 6,493 |
| Return on Equity (ROE) | -18.7301% | 6,502 |
| Retained earnings to average equity (ytd only) | -18.7301% | 6,481 |
| Net charge-offs to loans | 3.1206% | 33 |
| Credit loss provision to net charge-offs | 5.5478% | 3,753 |
| Earnings coverage of net charge-offs (x) | -0.9846% | 4,527 |
| Efficiency ratio | 160.5877% | 43 |
| Assets per employee ($millions) | 6.2336% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8936% | 175 |
| Loan loss allowance to noncurrent loans | 105.6351% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 7.7813% | 138 |
| Noncurrent loans to loans | 3.6859% | 621 |
| Net loans and leases to total assets | 47.6629% | 5,237 |
| Net loans and leases to deposits | 52.5522% | 5,500 |
| Net loans and leases to core deposits | 56.2177% | 5,432 |
| Total domestic deposits to total assets | 90.6964% | 453 |
| Equity capital to assets | 8.7033% | 5,635 |
| Core capital (leverage) ratio | 8.4512% | 5,706 |
| Tier 1 risk-based capital ratio | 16.4842% | 2,815 |
| Total risk-based capital ratio | 17.7639% | 2,760 |
| Memoranda: | ||
| Average total assets | $124,498,250 | 4,131 |
| Average earning assets | $107,607,250 | 4,273 |
| Average equity | $10,542,500 | 4,679 |
| Average total loans | $60,841,750 | 4,505 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3308% | 5,751 |
| Cost of funding earning assets | 0.7019% | 1,184 |
| Net interest margin | 2.6289% | 6,138 |
| Noninterest income to average assets | -0.0506% | 6,585 |
| Noninterest expense to average assets | 3.9789% | 784 |
| Loan and lease loss provision to assets | 0.1138% | 2,134 |
| Net operating income to assets | -1.8638% | 6,588 |
| Return on assets (ROA) | -1.8638% | 6,587 |
| Pretax return on assets | -1.8638% | 6,580 |
| Return on Equity (ROE) | -22.2020% | 6,586 |
| Retained earnings to average equity (ytd only) | -22.2020% | 6,549 |
| Net charge-offs to loans | 4.6277% | 15 |
| Credit loss provision to net charge-offs | 5.0562% | 3,363 |
| Earnings coverage of net charge-offs (x) | -0.7774% | 4,193 |
| Efficiency ratio | 178.5106% | 31 |
| Assets per employee ($millions) | 5.8552% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8795% | 193 |
| Loan loss allowance to noncurrent loans | 80.9372% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 8.6346% | 120 |
| Noncurrent loans to loans | 4.7932% | 435 |
| Net loans and leases to total assets | 45.9430% | 5,363 |
| Net loans and leases to deposits | 50.6650% | 5,583 |
| Net loans and leases to core deposits | 54.1750% | 5,538 |
| Total domestic deposits to total assets | 90.6798% | 513 |
| Equity capital to assets | 8.6435% | 5,674 |
| Core capital (leverage) ratio | 8.6428% | 5,477 |
| Tier 1 risk-based capital ratio | 16.7659% | 2,720 |
| Total risk-based capital ratio | 18.0447% | 2,676 |
| Memoranda: | ||
| Average total assets | $126,518,330 | 4,103 |
| Average earning assets | $109,704,000 | 4,251 |
| Average equity | $10,620,670 | 4,677 |
| Average total loans | $61,543,000 | 4,492 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4180% | 5,610 |
| Cost of funding earning assets | 0.6980% | 1,260 |
| Net interest margin | 2.7200% | 6,085 |
| Noninterest income to average assets | -1.3313% | 6,727 |
| Noninterest expense to average assets | 4.1248% | 657 |
| Loan and lease loss provision to assets | 0.0873% | 2,463 |
| Net operating income to assets | -3.1863% | 6,695 |
| Return on assets (ROA) | -3.1863% | 6,693 |
| Pretax return on assets | -3.1863% | 6,692 |
| Return on Equity (ROE) | -38.5043% | 6,678 |
| Retained earnings to average equity (ytd only) | -38.5043% | 6,647 |
| Net charge-offs to loans | 7.0746% | 11 |
| Credit loss provision to net charge-offs | 2.5157% | 2,668 |
| Earnings coverage of net charge-offs (x) | -0.8931% | 3,504 |
| Efficiency ratio | 402.1277% | 5 |
| Assets per employee ($millions) | 5.8566% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1450% | 170 |
| Loan loss allowance to noncurrent loans | 94.9310% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 9.1618% | 128 |
| Noncurrent loans to loans | 4.3663% | 578 |
| Net loans and leases to total assets | 47.8913% | 5,146 |
| Net loans and leases to deposits | 52.6000% | 5,417 |
| Net loans and leases to core deposits | 56.2161% | 5,341 |
| Total domestic deposits to total assets | 91.0480% | 548 |
| Equity capital to assets | 8.3642% | 5,769 |
| Core capital (leverage) ratio | 8.0990% | 6,039 |
| Tier 1 risk-based capital ratio | 14.9744% | 3,725 |
| Total risk-based capital ratio | 16.2543% | 3,655 |
| Memoranda: | ||
| Average total assets | $128,298,000 | 4,094 |
| Average earning assets | $111,176,000 | 4,241 |
| Average equity | $10,617,000 | 4,700 |
| Average total loans | $62,929,000 | 4,500 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8416% | 4,655 |
| Cost of funding earning assets | 0.7978% | 1,222 |
| Net interest margin | 3.0438% | 5,462 |
| Noninterest income to average assets | -0.2497% | 6,771 |
| Noninterest expense to average assets | 4.2424% | 668 |
| Loan and lease loss provision to assets | 0.5613% | 461 |
| Net operating income to assets | -2.4543% | 6,733 |
| Return on assets (ROA) | -2.4543% | 6,736 |
| Pretax return on assets | -2.4543% | 6,732 |
| Return on Equity (ROE) | -29.4982% | 6,720 |
| Retained earnings to average equity (ytd only) | -29.4982% | 6,714 |
| Net charge-offs to loans | -0.0014% | 5,834 |
| Credit loss provision to net charge-offs | -74,400.0000% | 6,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.5716% | 36 |
| Assets per employee ($millions) | 7.0319% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6389% | 58 |
| Loan loss allowance to noncurrent loans | 51.7895% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 11.3055% | 96 |
| Noncurrent loans to loans | 10.8881% | 92 |
| Net loans and leases to total assets | 45.4901% | 5,534 |
| Net loans and leases to deposits | 49.8986% | 5,778 |
| Net loans and leases to core deposits | 53.1685% | 5,724 |
| Total domestic deposits to total assets | 91.1651% | 511 |
| Equity capital to assets | 8.1934% | 5,880 |
| Core capital (leverage) ratio | 8.3307% | 5,846 |
| Tier 1 risk-based capital ratio | 15.6019% | 3,308 |
| Total risk-based capital ratio | 16.8995% | 3,235 |
| Memoranda: | ||
| Average total assets | $132,542,400 | 4,024 |
| Average earning assets | $113,181,800 | 4,197 |
| Average equity | $11,027,800 | 4,630 |
| Average total loans | $71,371,400 | 4,211 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 4,064 |
| Cost of funding earning assets | 0.8245% | 1,192 |
| Net interest margin | 3.1921% | 5,028 |
| Noninterest income to average assets | -0.2812% | 6,845 |
| Noninterest expense to average assets | 4.5137% | 511 |
| Loan and lease loss provision to assets | 0.6078% | 399 |
| Net operating income to assets | -2.6943% | 6,829 |
| Return on assets (ROA) | -2.6943% | 6,831 |
| Pretax return on assets | -2.6943% | 6,828 |
| Return on Equity (ROE) | -32.2584% | 6,822 |
| Retained earnings to average equity (ytd only) | -32.2584% | 6,817 |
| Net charge-offs to loans | -0.0018% | 5,681 |
| Credit loss provision to net charge-offs | -60,300.0000% | 6,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.9635% | 37 |
| Assets per employee ($millions) | 5.8453% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2388% | 97 |
| Loan loss allowance to noncurrent loans | 56.2430% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 11.3728% | 102 |
| Noncurrent loans to loans | 9.3145% | 159 |
| Net loans and leases to total assets | 49.1049% | 5,236 |
| Net loans and leases to deposits | 53.9404% | 5,542 |
| Net loans and leases to core deposits | 57.3699% | 5,504 |
| Total domestic deposits to total assets | 91.0355% | 518 |
| Equity capital to assets | 8.2654% | 5,940 |
| Core capital (leverage) ratio | 8.1392% | 6,118 |
| Tier 1 risk-based capital ratio | 14.4227% | 4,129 |
| Total risk-based capital ratio | 15.7163% | 4,053 |
| Memoranda: | ||
| Average total assets | $132,276,250 | 4,066 |
| Average earning assets | $112,231,250 | 4,257 |
| Average equity | $11,048,000 | 4,676 |
| Average total loans | $73,111,750 | 4,192 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 3,552 |
| Cost of funding earning assets | 0.8340% | 1,238 |
| Net interest margin | 3.3130% | 4,525 |
| Noninterest income to average assets | -0.5094% | 6,909 |
| Noninterest expense to average assets | 4.4763% | 538 |
| Loan and lease loss provision to assets | 0.5483% | 485 |
| Net operating income to assets | -2.7430% | 6,888 |
| Return on assets (ROA) | -2.7430% | 6,890 |
| Pretax return on assets | -2.7430% | 6,885 |
| Return on Equity (ROE) | -32.7325% | 6,870 |
| Retained earnings to average equity (ytd only) | -32.7325% | 6,858 |
| Net charge-offs to loans | -0.0027% | 5,558 |
| Credit loss provision to net charge-offs | -36,600.0000% | 6,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 196.1917% | 34 |
| Assets per employee ($millions) | 5.7074% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6172% | 164 |
| Loan loss allowance to noncurrent loans | 72.3754% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 10.0495% | 145 |
| Noncurrent loans to loans | 6.3796% | 418 |
| Net loans and leases to total assets | 51.2082% | 4,969 |
| Net loans and leases to deposits | 56.3812% | 5,295 |
| Net loans and leases to core deposits | 60.2868% | 5,241 |
| Total domestic deposits to total assets | 90.8250% | 611 |
| Equity capital to assets | 8.5343% | 5,738 |
| Core capital (leverage) ratio | 8.3119% | 5,873 |
| Tier 1 risk-based capital ratio | 14.5163% | 4,089 |
| Total risk-based capital ratio | 15.8029% | 4,040 |
| Memoranda: | ||
| Average total assets | $133,503,000 | 4,068 |
| Average earning assets | $112,466,670 | 4,280 |
| Average equity | $11,187,670 | 4,685 |
| Average total loans | $75,269,670 | 4,125 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 2,738 |
| Cost of funding earning assets | 0.8565% | 1,221 |
| Net interest margin | 3.4799% | 3,783 |
| Noninterest income to average assets | 0.3952% | 4,500 |
| Noninterest expense to average assets | 4.2520% | 661 |
| Loan and lease loss provision to assets | 0.5051% | 534 |
| Net operating income to assets | -1.4768% | 6,879 |
| Return on assets (ROA) | -1.4768% | 6,884 |
| Pretax return on assets | -1.4768% | 6,874 |
| Return on Equity (ROE) | -17.7818% | 6,884 |
| Retained earnings to average equity (ytd only) | -17.7818% | 6,808 |
| Net charge-offs to loans | -0.0052% | 5,275 |
| Credit loss provision to net charge-offs | -17,000.0000% | 5,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.6196% | 154 |
| Assets per employee ($millions) | 5.8649% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0211% | 283 |
| Loan loss allowance to noncurrent loans | 67.8049% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 12.9793% | 113 |
| Noncurrent loans to loans | 5.9304% | 564 |
| Net loans and leases to total assets | 54.1107% | 4,399 |
| Net loans and leases to deposits | 59.2296% | 4,883 |
| Net loans and leases to core deposits | 63.5340% | 4,787 |
| Total domestic deposits to total assets | 91.3575% | 394 |
| Equity capital to assets | 8.0887% | 6,336 |
| Core capital (leverage) ratio | 8.0137% | 6,127 |
| Tier 1 risk-based capital ratio | 12.3070% | 5,715 |
| Total risk-based capital ratio | 13.5843% | 5,646 |
| Memoranda: | ||
| Average total assets | $134,619,500 | 4,094 |
| Average earning assets | $111,612,500 | 4,341 |
| Average equity | $11,180,000 | 4,738 |
| Average total loans | $77,667,000 | 4,073 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0210% | 1,503 |
| Cost of funding earning assets | 1.0699% | 1,026 |
| Net interest margin | 3.9511% | 2,603 |
| Noninterest income to average assets | -0.5156% | 7,031 |
| Noninterest expense to average assets | 4.1772% | 793 |
| Loan and lease loss provision to assets | 0.5719% | 981 |
| Net operating income to assets | -2.0312% | 6,930 |
| Return on assets (ROA) | -2.0312% | 6,936 |
| Pretax return on assets | -2.0312% | 6,927 |
| Return on Equity (ROE) | -23.2192% | 6,912 |
| Retained earnings to average equity (ytd only) | -23.2192% | 6,883 |
| Net charge-offs to loans | 0.3675% | 2,793 |
| Credit loss provision to net charge-offs | 250.6494% | 969 |
| Earnings coverage of net charge-offs (x) | -6.3961% | 5,923 |
| Efficiency ratio | 153.6931% | 85 |
| Assets per employee ($millions) | 5.8412% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6413% | 381 |
| Loan loss allowance to noncurrent loans | 36.7630% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 15.1042% | 80 |
| Noncurrent loans to loans | 9.9048% | 237 |
| Net loans and leases to total assets | 56.8662% | 4,137 |
| Net loans and leases to deposits | 62.6907% | 4,698 |
| Net loans and leases to core deposits | 66.8469% | 4,651 |
| Total domestic deposits to total assets | 90.7091% | 610 |
| Equity capital to assets | 8.5220% | 6,032 |
| Core capital (leverage) ratio | 8.5386% | 5,559 |
| Tier 1 risk-based capital ratio | 12.4203% | 5,531 |
| Total risk-based capital ratio | 13.6944% | 5,467 |
| Memoranda: | ||
| Average total assets | $134,994,600 | 4,044 |
| Average earning assets | $110,475,600 | 4,328 |
| Average equity | $11,809,200 | 4,608 |
| Average total loans | $83,816,800 | 3,917 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2163% | 1,160 |
| Cost of funding earning assets | 1.1198% | 985 |
| Net interest margin | 4.0965% | 2,104 |
| Noninterest income to average assets | 0.0631% | 6,756 |
| Noninterest expense to average assets | 3.8907% | 1,071 |
| Loan and lease loss provision to assets | 0.6442% | 818 |
| Net operating income to assets | -1.1226% | 6,893 |
| Return on assets (ROA) | -1.1226% | 6,916 |
| Pretax return on assets | -1.1226% | 6,895 |
| Return on Equity (ROE) | -12.7512% | 6,901 |
| Retained earnings to average equity (ytd only) | -12.7512% | 6,870 |
| Net charge-offs to loans | 0.0157% | 5,467 |
| Credit loss provision to net charge-offs | 6,530.0000% | 37 |
| Earnings coverage of net charge-offs (x) | -48.5109% | 5,757 |
| Efficiency ratio | 114.0214% | 245 |
| Assets per employee ($millions) | 5.7040% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6971% | 396 |
| Loan loss allowance to noncurrent loans | 105.7606% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 12.4252% | 151 |
| Noncurrent loans to loans | 3.4958% | 1,551 |
| Net loans and leases to total assets | 60.8744% | 3,593 |
| Net loans and leases to deposits | 67.5471% | 4,251 |
| Net loans and leases to core deposits | 72.0239% | 4,248 |
| Total domestic deposits to total assets | 90.1214% | 783 |
| Equity capital to assets | 9.1301% | 5,673 |
| Core capital (leverage) ratio | 8.8164% | 5,317 |
| Tier 1 risk-based capital ratio | 12.5616% | 5,594 |
| Total risk-based capital ratio | 13.8366% | 5,538 |
| Memoranda: | ||
| Average total assets | $135,156,500 | 4,076 |
| Average earning assets | $110,497,250 | 4,376 |
| Average equity | $11,899,250 | 4,631 |
| Average total loans | $84,949,750 | 3,918 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 1,156 |
| Cost of funding earning assets | 1.1630% | 970 |
| Net interest margin | 4.0795% | 2,170 |
| Noninterest income to average assets | -0.1304% | 7,111 |
| Noninterest expense to average assets | 3.4848% | 1,818 |
| Loan and lease loss provision to assets | 0.9115% | 510 |
| Net operating income to assets | -1.1958% | 6,955 |
| Return on assets (ROA) | -1.1958% | 6,972 |
| Pretax return on assets | -1.1958% | 6,944 |
| Return on Equity (ROE) | -13.7455% | 6,965 |
| Retained earnings to average equity (ytd only) | -13.7455% | 6,920 |
| Net charge-offs to loans | 0.0304% | 4,952 |
| Credit loss provision to net charge-offs | 4,784.6154% | 62 |
| Earnings coverage of net charge-offs (x) | -14.9231% | 5,475 |
| Efficiency ratio | 108.8828% | 349 |
| Assets per employee ($millions) | 5.9158% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6106% | 459 |
| Loan loss allowance to noncurrent loans | 86.9266% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 12.1766% | 171 |
| Noncurrent loans to loans | 4.1536% | 1,321 |
| Net loans and leases to total assets | 59.4897% | 3,915 |
| Net loans and leases to deposits | 65.5767% | 4,557 |
| Net loans and leases to core deposits | 68.8481% | 4,688 |
| Total domestic deposits to total assets | 90.7176% | 552 |
| Equity capital to assets | 8.4784% | 6,232 |
| Core capital (leverage) ratio | 8.2336% | 6,009 |
| Tier 1 risk-based capital ratio | 12.0226% | 5,914 |
| Total risk-based capital ratio | 13.2970% | 5,875 |
| Memoranda: | ||
| Average total assets | $136,477,670 | 4,065 |
| Average earning assets | $111,434,330 | 4,376 |
| Average equity | $11,873,000 | 4,634 |
| Average total loans | $85,623,330 | 3,923 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 1,016 |
| Cost of funding earning assets | 1.1898% | 1,030 |
| Net interest margin | 4.1570% | 1,909 |
| Noninterest income to average assets | -0.8253% | 7,275 |
| Noninterest expense to average assets | 3.3918% | 2,028 |
| Loan and lease loss provision to assets | 0.0644% | 4,620 |
| Net operating income to assets | -0.9072% | 6,982 |
| Return on assets (ROA) | -0.9072% | 6,996 |
| Pretax return on assets | -0.9072% | 6,954 |
| Return on Equity (ROE) | -10.2977% | 6,993 |
| Retained earnings to average equity (ytd only) | -10.2977% | 6,848 |
| Net charge-offs to loans | 0.0602% | 3,895 |
| Credit loss provision to net charge-offs | 169.2308% | 1,509 |
| Earnings coverage of net charge-offs (x) | -22.1538% | 4,708 |
| Efficiency ratio | 133.0654% | 152 |
| Assets per employee ($millions) | 5.9752% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8531% | 954 |
| Loan loss allowance to noncurrent loans | 30.4686% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 14.4475% | 118 |
| Noncurrent loans to loans | 9.3639% | 344 |
| Net loans and leases to total assets | 60.2566% | 3,610 |
| Net loans and leases to deposits | 66.5237% | 4,301 |
| Net loans and leases to core deposits | 69.8141% | 4,450 |
| Total domestic deposits to total assets | 90.5791% | 761 |
| Equity capital to assets | 8.7165% | 5,853 |
| Core capital (leverage) ratio | 8.6833% | 5,327 |
| Tier 1 risk-based capital ratio | 12.4975% | 5,602 |
| Total risk-based capital ratio | 13.7638% | 5,554 |
| Memoranda: | ||
| Average total assets | $136,684,500 | 4,095 |
| Average earning assets | $110,945,000 | 4,411 |
| Average equity | $12,041,500 | 4,604 |
| Average total loans | $86,447,000 | 3,924 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1392% | 2,293 |
| Cost of funding earning assets | 1.4767% | 785 |
| Net interest margin | 3.6625% | 4,465 |
| Noninterest income to average assets | -0.3332% | 7,218 |
| Noninterest expense to average assets | 3.3457% | 2,369 |
| Loan and lease loss provision to assets | 0.1210% | 5,090 |
| Net operating income to assets | -0.7759% | 6,645 |
| Return on assets (ROA) | -0.7752% | 6,676 |
| Pretax return on assets | -0.7752% | 6,635 |
| Return on Equity (ROE) | -8.8219% | 6,707 |
| Retained earnings to average equity (ytd only) | -8.8219% | 6,662 |
| Net charge-offs to loans | 0.8977% | 1,934 |
| Credit loss provision to net charge-offs | 20.5306% | 5,912 |
| Earnings coverage of net charge-offs (x) | -1.1107% | 6,209 |
| Efficiency ratio | 124.3366% | 271 |
| Assets per employee ($millions) | 5.9104% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7643% | 1,020 |
| Loan loss allowance to noncurrent loans | 56.9047% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 12.7527% | 180 |
| Noncurrent loans to loans | 4.8578% | 1,188 |
| Net loans and leases to total assets | 62.6960% | 3,470 |
| Net loans and leases to deposits | 69.4454% | 4,205 |
| Net loans and leases to core deposits | 72.7806% | 4,405 |
| Total domestic deposits to total assets | 90.2810% | 832 |
| Equity capital to assets | 8.9039% | 5,672 |
| Core capital (leverage) ratio | 8.7486% | 5,175 |
| Tier 1 risk-based capital ratio | 12.0767% | 5,779 |
| Total risk-based capital ratio | 13.3417% | 5,746 |
| Memoranda: | ||
| Average total assets | $147,056,200 | 3,854 |
| Average earning assets | $121,419,800 | 4,105 |
| Average equity | $12,922,400 | 4,348 |
| Average total loans | $96,578,200 | 3,715 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 2,439 |
| Cost of funding earning assets | 1.5389% | 745 |
| Net interest margin | 3.5989% | 4,770 |
| Noninterest income to average assets | 0.0080% | 7,081 |
| Noninterest expense to average assets | 3.2506% | 2,660 |
| Loan and lease loss provision to assets | 0.0107% | 6,297 |
| Net operating income to assets | -0.2607% | 6,449 |
| Return on assets (ROA) | -0.2598% | 6,518 |
| Pretax return on assets | -0.2598% | 6,462 |
| Return on Equity (ROE) | -2.9658% | 6,560 |
| Retained earnings to average equity (ytd only) | -2.9658% | 6,416 |
| Net charge-offs to loans | 0.2483% | 3,880 |
| Credit loss provision to net charge-offs | 6.5217% | 5,693 |
| Earnings coverage of net charge-offs (x) | -1.5272% | 5,987 |
| Efficiency ratio | 108.3333% | 460 |
| Assets per employee ($millions) | 5.8038% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3311% | 644 |
| Loan loss allowance to noncurrent loans | 31.0356% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 14.7237% | 139 |
| Noncurrent loans to loans | 10.7333% | 312 |
| Net loans and leases to total assets | 61.2512% | 3,893 |
| Net loans and leases to deposits | 68.1372% | 4,581 |
| Net loans and leases to core deposits | 72.1591% | 4,696 |
| Total domestic deposits to total assets | 89.8939% | 927 |
| Equity capital to assets | 9.2855% | 5,405 |
| Core capital (leverage) ratio | 8.8850% | 5,132 |
| Tier 1 risk-based capital ratio | 12.9705% | 5,114 |
| Total risk-based capital ratio | 14.2414% | 5,073 |
| Memoranda: | ||
| Average total assets | $149,835,250 | 3,824 |
| Average earning assets | $124,591,500 | 4,074 |
| Average equity | $13,127,000 | 4,321 |
| Average total loans | $98,809,750 | 3,675 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1432% | 2,495 |
| Cost of funding earning assets | 1.5821% | 754 |
| Net interest margin | 3.5610% | 4,879 |
| Noninterest income to average assets | 0.1982% | 6,253 |
| Noninterest expense to average assets | 3.2175% | 2,838 |
| Loan and lease loss provision to assets | -0.2765% | 7,463 |
| Net operating income to assets | 0.2308% | 5,628 |
| Return on assets (ROA) | 0.2321% | 5,746 |
| Pretax return on assets | 0.2321% | 5,858 |
| Return on Equity (ROE) | 2.6987% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.6987% | 4,572 |
| Net charge-offs to loans | -0.2267% | 7,310 |
| Credit loss provision to net charge-offs | 182.7586% | 1,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4391% | 683 |
| Assets per employee ($millions) | 6.1688% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1424% | 798 |
| Loan loss allowance to noncurrent loans | 32.8863% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 13.5791% | 186 |
| Noncurrent loans to loans | 9.5552% | 415 |
| Net loans and leases to total assets | 62.7912% | 3,720 |
| Net loans and leases to deposits | 69.6916% | 4,473 |
| Net loans and leases to core deposits | 74.2143% | 4,555 |
| Total domestic deposits to total assets | 90.0987% | 921 |
| Equity capital to assets | 9.0300% | 5,541 |
| Core capital (leverage) ratio | 8.8777% | 4,917 |
| Tier 1 risk-based capital ratio | 12.5540% | 5,288 |
| Total risk-based capital ratio | 13.8236% | 5,243 |
| Memoranda: | ||
| Average total assets | $153,349,670 | 3,796 |
| Average earning assets | $128,053,670 | 4,029 |
| Average equity | $13,191,330 | 4,295 |
| Average total loans | $102,327,000 | 3,620 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 1,888 |
| Cost of funding earning assets | 1.6693% | 633 |
| Net interest margin | 3.6234% | 4,465 |
| Noninterest income to average assets | 0.2513% | 5,896 |
| Noninterest expense to average assets | 3.1769% | 2,973 |
| Loan and lease loss provision to assets | -0.1821% | 7,504 |
| Net operating income to assets | 0.2897% | 5,456 |
| Return on assets (ROA) | 0.2923% | 5,523 |
| Pretax return on assets | 0.2923% | 5,678 |
| Return on Equity (ROE) | 3.4803% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.4803% | 4,093 |
| Net charge-offs to loans | -0.4360% | 7,391 |
| Credit loss provision to net charge-offs | 61.7391% | 3,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7213% | 887 |
| Assets per employee ($millions) | 6.3100% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0588% | 864 |
| Loan loss allowance to noncurrent loans | 33.4783% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 12.9927% | 214 |
| Noncurrent loans to loans | 9.1367% | 481 |
| Net loans and leases to total assets | 66.0471% | 2,996 |
| Net loans and leases to deposits | 73.0854% | 3,911 |
| Net loans and leases to core deposits | 77.4792% | 4,096 |
| Total domestic deposits to total assets | 90.3697% | 922 |
| Equity capital to assets | 8.6319% | 5,738 |
| Core capital (leverage) ratio | 8.5150% | 5,425 |
| Tier 1 risk-based capital ratio | 11.9141% | 5,764 |
| Total risk-based capital ratio | 13.1832% | 5,741 |
| Memoranda: | ||
| Average total assets | $155,999,000 | 3,772 |
| Average earning assets | $130,594,000 | 4,013 |
| Average equity | $13,102,500 | 4,310 |
| Average total loans | $105,501,000 | 3,588 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6567% | 1,725 |
| Cost of funding earning assets | 2.2849% | 222 |
| Net interest margin | 3.3718% | 5,733 |
| Noninterest income to average assets | -0.3629% | 7,528 |
| Noninterest expense to average assets | 3.0055% | 3,835 |
| Loan and lease loss provision to assets | 0.9232% | 1,771 |
| Net operating income to assets | -1.3482% | 6,854 |
| Return on assets (ROA) | -0.8994% | 6,660 |
| Pretax return on assets | -0.8994% | 6,578 |
| Return on Equity (ROE) | -11.3539% | 6,786 |
| Retained earnings to average equity (ytd only) | -11.3539% | 6,729 |
| Net charge-offs to loans | 2.0024% | 1,007 |
| Credit loss provision to net charge-offs | 65.2038% | 5,977 |
| Earnings coverage of net charge-offs (x) | -0.3002% | 6,358 |
| Efficiency ratio | 116.4696% | 446 |
| Assets per employee ($millions) | 6.6900% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8750% | 980 |
| Loan loss allowance to noncurrent loans | 31.2784% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 13.0357% | 225 |
| Noncurrent loans to loans | 9.1917% | 494 |
| Net loans and leases to total assets | 65.2252% | 3,617 |
| Net loans and leases to deposits | 71.7624% | 4,559 |
| Net loans and leases to core deposits | 75.8904% | 4,732 |
| Total domestic deposits to total assets | 90.8906% | 656 |
| Equity capital to assets | 8.1795% | 6,285 |
| Core capital (leverage) ratio | 8.1627% | 5,890 |
| Tier 1 risk-based capital ratio | 11.3417% | 6,043 |
| Total risk-based capital ratio | 12.6089% | 6,023 |
| Memoranda: | ||
| Average total assets | $180,235,600 | 3,373 |
| Average earning assets | $157,336,400 | 3,499 |
| Average equity | $14,277,000 | 4,081 |
| Average total loans | $127,449,800 | 3,169 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 1,326 |
| Cost of funding earning assets | 2.4184% | 187 |
| Net interest margin | 3.4078% | 5,646 |
| Noninterest income to average assets | -0.4558% | 7,671 |
| Noninterest expense to average assets | 2.9178% | 4,019 |
| Loan and lease loss provision to assets | 0.3291% | 3,962 |
| Net operating income to assets | -0.7043% | 6,732 |
| Return on assets (ROA) | -0.1217% | 6,296 |
| Pretax return on assets | -0.1217% | 6,248 |
| Return on Equity (ROE) | -1.5473% | 6,349 |
| Retained earnings to average equity (ytd only) | -1.5473% | 6,110 |
| Net charge-offs to loans | 1.8394% | 1,046 |
| Credit loss provision to net charge-offs | 25.0274% | 6,202 |
| Earnings coverage of net charge-offs (x) | -0.2853% | 6,233 |
| Efficiency ratio | 114.7550% | 453 |
| Assets per employee ($millions) | 6.8490% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 1,785 |
| Loan loss allowance to noncurrent loans | 27.9380% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 12.0329% | 271 |
| Noncurrent loans to loans | 7.9117% | 661 |
| Net loans and leases to total assets | 70.3824% | 2,643 |
| Net loans and leases to deposits | 77.9552% | 3,836 |
| Net loans and leases to core deposits | 82.6512% | 4,141 |
| Total domestic deposits to total assets | 90.2856% | 736 |
| Equity capital to assets | 8.9235% | 5,676 |
| Core capital (leverage) ratio | 8.2879% | 5,894 |
| Tier 1 risk-based capital ratio | 11.5268% | 5,904 |
| Total risk-based capital ratio | 12.7868% | 5,882 |
| Memoranda: | ||
| Average total assets | $185,154,750 | 3,343 |
| Average earning assets | $162,915,250 | 3,446 |
| Average equity | $14,563,000 | 4,084 |
| Average total loans | $132,356,000 | 3,137 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8658% | 1,263 |
| Cost of funding earning assets | 2.4645% | 200 |
| Net interest margin | 3.4013% | 5,642 |
| Noninterest income to average assets | -0.7528% | 7,777 |
| Noninterest expense to average assets | 2.8811% | 4,143 |
| Loan and lease loss provision to assets | 0.3915% | 3,373 |
| Net operating income to assets | -1.0048% | 6,946 |
| Return on assets (ROA) | -0.4977% | 6,688 |
| Pretax return on assets | -0.4977% | 6,585 |
| Return on Equity (ROE) | -6.5804% | 6,805 |
| Retained earnings to average equity (ytd only) | -6.5804% | 6,700 |
| Net charge-offs to loans | 2.4402% | 714 |
| Credit loss provision to net charge-offs | 22.4880% | 5,828 |
| Earnings coverage of net charge-offs (x) | -0.3523% | 5,953 |
| Efficiency ratio | 127.0432% | 339 |
| Assets per employee ($millions) | 6.7605% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0827% | 2,004 |
| Loan loss allowance to noncurrent loans | 32.5206% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 9.7478% | 429 |
| Noncurrent loans to loans | 6.4042% | 946 |
| Net loans and leases to total assets | 69.0540% | 3,120 |
| Net loans and leases to deposits | 75.2812% | 4,468 |
| Net loans and leases to core deposits | 81.2331% | 4,522 |
| Total domestic deposits to total assets | 91.7281% | 281 |
| Equity capital to assets | 7.7054% | 6,995 |
| Core capital (leverage) ratio | 7.2563% | 7,029 |
| Tier 1 risk-based capital ratio | 10.2207% | 6,900 |
| Total risk-based capital ratio | 11.4794% | 6,865 |
| Memoranda: | ||
| Average total assets | $192,081,330 | 3,276 |
| Average earning assets | $170,581,330 | 3,331 |
| Average equity | $14,528,000 | 4,082 |
| Average total loans | $137,039,330 | 3,066 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1477% | 710 |
| Cost of funding earning assets | 2.4776% | 240 |
| Net interest margin | 3.6701% | 4,394 |
| Noninterest income to average assets | -1.2618% | 7,907 |
| Noninterest expense to average assets | 2.9890% | 3,721 |
| Loan and lease loss provision to assets | -1.0200% | 7,919 |
| Net operating income to assets | 0.0650% | 6,119 |
| Return on assets (ROA) | 0.1199% | 6,083 |
| Pretax return on assets | 0.1199% | 6,090 |
| Return on Equity (ROE) | 1.5990% | 5,920 |
| Retained earnings to average equity (ytd only) | 1.5990% | 5,147 |
| Net charge-offs to loans | 1.4845% | 1,164 |
| Credit loss provision to net charge-offs | -95.8015% | 6,054 |
| Earnings coverage of net charge-offs (x) | -0.8969% | 5,368 |
| Efficiency ratio | 146.9530% | 221 |
| Assets per employee ($millions) | 7.1688% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9210% | 2,382 |
| Loan loss allowance to noncurrent loans | 21.3787% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 9.5320% | 430 |
| Noncurrent loans to loans | 8.9854% | 543 |
| Net loans and leases to total assets | 71.0102% | 2,694 |
| Net loans and leases to deposits | 77.3908% | 4,148 |
| Net loans and leases to core deposits | 83.6133% | 4,258 |
| Total domestic deposits to total assets | 91.7554% | 302 |
| Equity capital to assets | 7.6535% | 6,966 |
| Core capital (leverage) ratio | 7.3924% | 6,940 |
| Tier 1 risk-based capital ratio | 10.1532% | 6,932 |
| Total risk-based capital ratio | 11.4173% | 6,903 |
| Memoranda: | ||
| Average total assets | $196,855,000 | 3,260 |
| Average earning assets | $176,781,000 | 3,297 |
| Average equity | $14,759,500 | 4,067 |
| Average total loans | $141,195,000 | 3,053 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6091% | 3,558 |
| Cost of funding earning assets | 3.4375% | 57 |
| Net interest margin | 2.1716% | 7,659 |
| Noninterest income to average assets | -0.1459% | 7,831 |
| Noninterest expense to average assets | 2.3799% | 6,525 |
| Loan and lease loss provision to assets | 1.8558% | 1,210 |
| Net operating income to assets | -2.4435% | 7,252 |
| Return on assets (ROA) | -2.4198% | 7,246 |
| Pretax return on assets | -2.4198% | 7,121 |
| Return on Equity (ROE) | -35.3753% | 7,497 |
| Retained earnings to average equity (ytd only) | -35.3753% | 7,485 |
| Net charge-offs to loans | 1.4928% | 1,679 |
| Credit loss provision to net charge-offs | 167.6243% | 2,571 |
| Earnings coverage of net charge-offs (x) | -0.5308% | 6,709 |
| Efficiency ratio | 132.7887% | 447 |
| Assets per employee ($millions) | 6.9018% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5968% | 1,117 |
| Loan loss allowance to noncurrent loans | 23.0846% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 10.6749% | 323 |
| Noncurrent loans to loans | 11.2491% | 331 |
| Net loans and leases to total assets | 69.2264% | 3,428 |
| Net loans and leases to deposits | 75.1950% | 4,857 |
| Net loans and leases to core deposits | 133.7174% | 1,072 |
| Total domestic deposits to total assets | 92.0625% | 258 |
| Equity capital to assets | 7.3469% | 7,163 |
| Core capital (leverage) ratio | 7.1357% | 7,125 |
| Tier 1 risk-based capital ratio | 9.5951% | 7,165 |
| Total risk-based capital ratio | 10.8592% | 7,133 |
| Memoranda: | ||
| Average total assets | $198,076,600 | 3,204 |
| Average earning assets | $176,785,200 | 3,254 |
| Average equity | $13,549,000 | 4,372 |
| Average total loans | $146,908,400 | 2,970 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8726% | 2,576 |
| Cost of funding earning assets | 3.6264% | 42 |
| Net interest margin | 2.2462% | 7,686 |
| Noninterest income to average assets | 0.0796% | 7,503 |
| Noninterest expense to average assets | 2.2541% | 6,824 |
| Loan and lease loss provision to assets | 0.1195% | 6,172 |
| Net operating income to assets | -0.2929% | 6,188 |
| Return on assets (ROA) | -0.2612% | 6,163 |
| Pretax return on assets | -0.2612% | 6,055 |
| Return on Equity (ROE) | -3.8913% | 6,335 |
| Retained earnings to average equity (ytd only) | -3.8913% | 6,099 |
| Net charge-offs to loans | 0.1585% | 5,120 |
| Credit loss provision to net charge-offs | 100.5682% | 5,048 |
| Earnings coverage of net charge-offs (x) | -1.4602% | 6,697 |
| Efficiency ratio | 108.3360% | 801 |
| Assets per employee ($millions) | 7.0451% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 3,778 |
| Loan loss allowance to noncurrent loans | 11.9462% | 7,409 |
| Noncurrent assets plus other real estate owned to assets | 10.2395% | 325 |
| Noncurrent loans to loans | 11.9722% | 276 |
| Net loans and leases to total assets | 74.5843% | 2,347 |
| Net loans and leases to deposits | 80.8006% | 4,235 |
| Net loans and leases to core deposits | 141.6128% | 844 |
| Total domestic deposits to total assets | 92.3067% | 140 |
| Equity capital to assets | 7.0619% | 7,567 |
| Core capital (leverage) ratio | 6.9295% | 7,477 |
| Tier 1 risk-based capital ratio | 8.7799% | 7,687 |
| Total risk-based capital ratio | 10.0312% | 7,722 |
| Memoranda: | ||
| Average total assets | $197,557,750 | 3,227 |
| Average earning assets | $176,000,250 | 3,294 |
| Average equity | $13,260,000 | 4,473 |
| Average total loans | $148,072,500 | 2,980 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7623% | 3,239 |
| Cost of funding earning assets | 3.7762% | 41 |
| Net interest margin | 1.9860% | 7,874 |
| Noninterest income to average assets | 0.0410% | 7,784 |
| Noninterest expense to average assets | 2.2344% | 6,963 |
| Loan and lease loss provision to assets | 0.0809% | 6,374 |
| Net operating income to assets | -0.5089% | 6,555 |
| Return on assets (ROA) | -0.4608% | 6,515 |
| Pretax return on assets | -0.4608% | 6,382 |
| Return on Equity (ROE) | -6.9926% | 6,798 |
| Retained earnings to average equity (ytd only) | -6.9926% | 6,556 |
| Net charge-offs to loans | -0.2015% | 8,029 |
| Credit loss provision to net charge-offs | -53.7415% | 6,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6961% | 606 |
| Assets per employee ($millions) | 7.0410% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 2,567 |
| Loan loss allowance to noncurrent loans | 17.4062% | 7,259 |
| Noncurrent assets plus other real estate owned to assets | 7.5651% | 525 |
| Noncurrent loans to loans | 9.4224% | 394 |
| Net loans and leases to total assets | 71.4304% | 3,366 |
| Net loans and leases to deposits | 77.3272% | 4,967 |
| Net loans and leases to core deposits | 129.4975% | 1,613 |
| Total domestic deposits to total assets | 92.3742% | 159 |
| Equity capital to assets | 6.9411% | 7,640 |
| Core capital (leverage) ratio | 7.0093% | 7,534 |
| Tier 1 risk-based capital ratio | 8.8879% | 7,748 |
| Total risk-based capital ratio | 10.1233% | 7,794 |
| Memoranda: | ||
| Average total assets | $195,308,000 | 3,275 |
| Average earning assets | $173,612,670 | 3,351 |
| Average equity | $12,870,670 | 4,577 |
| Average total loans | $145,899,330 | 3,048 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9615% | 2,514 |
| Cost of funding earning assets | 3.8869% | 44 |
| Net interest margin | 2.0746% | 7,866 |
| Noninterest income to average assets | 0.1530% | 7,209 |
| Noninterest expense to average assets | 2.1837% | 6,911 |
| Loan and lease loss provision to assets | 0.1404% | 5,149 |
| Net operating income to assets | -0.3144% | 6,696 |
| Return on assets (ROA) | -0.2410% | 6,683 |
| Pretax return on assets | -0.2410% | 6,614 |
| Return on Equity (ROE) | -3.7645% | 6,866 |
| Retained earnings to average equity (ytd only) | -3.7645% | 6,392 |
| Net charge-offs to loans | -0.2184% | 8,023 |
| Credit loss provision to net charge-offs | -84.8101% | 6,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6548% | 847 |
| Assets per employee ($millions) | 6.9932% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 2,570 |
| Loan loss allowance to noncurrent loans | 20.1646% | 7,161 |
| Noncurrent assets plus other real estate owned to assets | 6.7596% | 523 |
| Noncurrent loans to loans | 7.8720% | 460 |
| Net loans and leases to total assets | 74.4695% | 2,626 |
| Net loans and leases to deposits | 80.1938% | 4,576 |
| Net loans and leases to core deposits | 133.7473% | 1,425 |
| Total domestic deposits to total assets | 92.8619% | 95 |
| Equity capital to assets | 6.4992% | 7,870 |
| Core capital (leverage) ratio | 6.4647% | 7,893 |
| Tier 1 risk-based capital ratio | 7.7221% | 8,035 |
| Total risk-based capital ratio | 8.9749% | 8,058 |
| Memoranda: | ||
| Average total assets | $190,867,500 | 3,349 |
| Average earning assets | $170,830,000 | 3,409 |
| Average equity | $12,219,500 | 4,780 |
| Average total loans | $144,706,500 | 3,095 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1532% | 4,759 |
| Cost of funding earning assets | 4.1452% | 61 |
| Net interest margin | 2.0080% | 8,058 |
| Noninterest income to average assets | 0.2071% | 6,958 |
| Noninterest expense to average assets | 2.1644% | 7,077 |
| Loan and lease loss provision to assets | 0.4207% | 3,176 |
| Net operating income to assets | -0.5591% | 6,966 |
| Return on assets (ROA) | -0.3805% | 6,679 |
| Pretax return on assets | -0.3805% | 6,530 |
| Return on Equity (ROE) | -5.7539% | 6,942 |
| Retained earnings to average equity (ytd only) | -5.7539% | 6,634 |
| Net charge-offs to loans | -0.2197% | 8,177 |
| Credit loss provision to net charge-offs | -281.3230% | 7,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8352% | 791 |
| Assets per employee ($millions) | 5.9976% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 2,386 |
| Loan loss allowance to noncurrent loans | 27.8395% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 5.1074% | 669 |
| Noncurrent loans to loans | 5.6102% | 703 |
| Net loans and leases to total assets | 74.7808% | 2,924 |
| Net loans and leases to deposits | 80.3724% | 4,981 |
| Net loans and leases to core deposits | 136.8703% | 1,443 |
| Total domestic deposits to total assets | 93.0429% | 52 |
| Equity capital to assets | 6.2998% | 7,994 |
| Core capital (leverage) ratio | 6.4874% | 7,940 |
| Tier 1 risk-based capital ratio | 7.8976% | 8,097 |
| Total risk-based capital ratio | 9.1505% | 8,127 |
| Memoranda: | ||
| Average total assets | $171,873,200 | 3,522 |
| Average earning assets | $155,675,200 | 3,553 |
| Average equity | $11,366,200 | 5,015 |
| Average total loans | $116,994,800 | 3,526 |