Home > Community Bank and Trust - West Georgia > Performance and Condition Ratios
Community Bank and Trust - West Georgia, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3107% | 179 |
| Cost of funding earning assets | 1.2761% | 2,581 |
| Net interest margin | 6.0346% | 108 |
| Noninterest income to average assets | 3.3300% | 171 |
| Noninterest expense to average assets | 6.6553% | 151 |
| Loan and lease loss provision to assets | 1.3700% | 48 |
| Net operating income to assets | 1.0987% | 1,923 |
| Return on assets (ROA) | 1.0987% | 1,895 |
| Pretax return on assets | 0.6997% | 3,439 |
| Return on Equity (ROE) | 31.4400% | 163 |
| Retained earnings to average equity (ytd only) | 31.4447% | 45 |
| Net charge-offs to loans | 0.0100% | 2,278 |
| Credit loss provision to net charge-offs | 23,383.3333% | 16 |
| Earnings coverage of net charge-offs (x) | 361.8333% | 379 |
| Efficiency ratio | 76.2551% | 1,224 |
| Assets per employee ($millions) | 2.8309% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 362 |
| Loan loss allowance to noncurrent loans | 49.5248% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 2.7877% | 82 |
| Noncurrent loans to loans | 4.0739% | 82 |
| Net loans and leases to total assets | 67.0500% | 2,141 |
| Net loans and leases to deposits | 69.6604% | 2,912 |
| Net loans and leases to core deposits | 72.6535% | 3,146 |
| Total domestic deposits to total assets | 96.2500% | 35 |
| Equity capital to assets | 3.2226% | 4,539 |
| Core capital (leverage) ratio | 7.6344% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7354% | 2,646 |
| Memoranda: | ||
| Average total assets | $104,758,200 | 3,783 |
| Average earning assets | $93,644,000 | 3,804 |
| Average equity | $3,660,400 | 4,380 |
| Average total loans | $60,122,600 | 3,708 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2499% | 170 |
| Cost of funding earning assets | 0.9825% | 3,082 |
| Net interest margin | 6.2673% | 83 |
| Noninterest income to average assets | 3.4000% | 176 |
| Noninterest expense to average assets | 7.2455% | 139 |
| Loan and lease loss provision to assets | 0.4600% | 172 |
| Net operating income to assets | 1.0531% | 2,207 |
| Return on assets (ROA) | 1.0531% | 2,199 |
| Pretax return on assets | 1.2291% | 2,229 |
| Return on Equity (ROE) | 29.3400% | 240 |
| Retained earnings to average equity (ytd only) | 29.3416% | 95 |
| Net charge-offs to loans | 0.0128% | 1,935 |
| Credit loss provision to net charge-offs | 6,000.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 245.8000% | 518 |
| Efficiency ratio | 81.0894% | 800 |
| Assets per employee ($millions) | 2.8791% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,388 |
| Loan loss allowance to noncurrent loans | 111.2069% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6534% | 873 |
| Noncurrent loans to loans | 1.0759% | 740 |
| Net loans and leases to total assets | 60.0000% | 2,847 |
| Net loans and leases to deposits | 62.3836% | 3,379 |
| Net loans and leases to core deposits | 64.0149% | 3,522 |
| Total domestic deposits to total assets | 96.1800% | 72 |
| Equity capital to assets | 3.1476% | 4,481 |
| Core capital (leverage) ratio | 8.3066% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3414% | 2,139 |
| Memoranda: | ||
| Average total assets | $96,977,000 | 3,869 |
| Average earning assets | $85,627,000 | 3,890 |
| Average equity | $3,480,750 | 4,407 |
| Average total loans | $51,907,750 | 3,822 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8650% | 191 |
| Cost of funding earning assets | 0.8253% | 3,144 |
| Net interest margin | 6.0396% | 107 |
| Noninterest income to average assets | 4.4500% | 134 |
| Noninterest expense to average assets | 7.3416% | 140 |
| Loan and lease loss provision to assets | 0.5200% | 138 |
| Net operating income to assets | 1.6227% | 908 |
| Return on assets (ROA) | 1.6227% | 911 |
| Pretax return on assets | 1.8935% | 880 |
| Return on Equity (ROE) | 43.2000% | 92 |
| Retained earnings to average equity (ytd only) | 43.1977% | 47 |
| Net charge-offs to loans | 0.0210% | 1,470 |
| Credit loss provision to net charge-offs | 4,420.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 226.6000% | 544 |
| Efficiency ratio | 75.2404% | 1,237 |
| Assets per employee ($millions) | 2.6815% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,767 |
| Loan loss allowance to noncurrent loans | 105.7839% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 827 |
| Noncurrent loans to loans | 1.0742% | 680 |
| Net loans and leases to total assets | 59.3400% | 2,833 |
| Net loans and leases to deposits | 62.1002% | 3,301 |
| Net loans and leases to core deposits | 63.6327% | 3,471 |
| Total domestic deposits to total assets | 95.5600% | 71 |
| Equity capital to assets | 3.8549% | 4,514 |
| Core capital (leverage) ratio | 8.3205% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0199% | 1,890 |
| Memoranda: | ||
| Average total assets | $93,794,333 | 3,909 |
| Average earning assets | $82,389,333 | 3,934 |
| Average equity | $3,523,333 | 4,433 |
| Average total loans | $47,646,667 | 3,889 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4380% | 195 |
| Cost of funding earning assets | 0.3369% | 4,115 |
| Net interest margin | 6.1011% | 91 |
| Noninterest income to average assets | 2.7100% | 178 |
| Noninterest expense to average assets | 6.9888% | 151 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 0.7087% | 3,444 |
| Return on assets (ROA) | 0.7087% | 3,401 |
| Pretax return on assets | 0.7087% | 3,642 |
| Return on Equity (ROE) | 19.1500% | 862 |
| Retained earnings to average equity (ytd only) | 19.1509% | 424 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.8431% | 425 |
| Assets per employee ($millions) | 2.7605% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,603 |
| Loan loss allowance to noncurrent loans | 229.2035% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 1,737 |
| Noncurrent loans to loans | 0.5193% | 1,423 |
| Net loans and leases to total assets | 47.2000% | 3,693 |
| Net loans and leases to deposits | 49.1737% | 3,923 |
| Net loans and leases to core deposits | 50.3260% | 3,985 |
| Total domestic deposits to total assets | 95.9900% | 52 |
| Equity capital to assets | 3.7993% | 4,555 |
| Core capital (leverage) ratio | 8.9929% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0914% | 1,352 |
| Memoranda: | ||
| Average total assets | $89,743,500 | 3,997 |
| Average earning assets | $77,166,500 | 4,039 |
| Average equity | $3,321,000 | 4,512 |
| Average total loans | $40,889,000 | 4,053 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 2,143 |
| Cost of funding earning assets | 0.0649% | 4,522 |
| Net interest margin | 3.7832% | 1,190 |
| Noninterest income to average assets | 2.6500% | 191 |
| Noninterest expense to average assets | 5.8189% | 173 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.1833% | 1,845 |
| Return on assets (ROA) | 1.1833% | 1,777 |
| Pretax return on assets | 0.2867% | 4,383 |
| Return on Equity (ROE) | 30.7300% | 111 |
| Retained earnings to average equity (ytd only) | 30.7256% | 30 |
| Net charge-offs to loans | -0.0065% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 95.8390% | 197 |
| Assets per employee ($millions) | 2.5255% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,453 |
| Loan loss allowance to noncurrent loans | 196.5368% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 1,665 |
| Noncurrent loans to loans | 0.6037% | 1,238 |
| Net loans and leases to total assets | 42.7700% | 3,944 |
| Net loans and leases to deposits | 44.4048% | 4,100 |
| Net loans and leases to core deposits | 45.1482% | 4,146 |
| Total domestic deposits to total assets | 96.3300% | 69 |
| Equity capital to assets | 3.5987% | 4,560 |
| Core capital (leverage) ratio | 9.1585% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1175% | 704 |
| Memoranda: | ||
| Average total assets | $85,102,400 | 4,074 |
| Average earning assets | $76,997,400 | 4,075 |
| Average equity | $3,277,400 | 4,590 |
| Average total loans | $30,909,800 | 4,225 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3097% | 3,154 |
| Cost of funding earning assets | 0.0700% | 4,478 |
| Net interest margin | 3.2396% | 2,499 |
| Noninterest income to average assets | 2.1300% | 248 |
| Noninterest expense to average assets | 5.4183% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8479% | 3,077 |
| Return on assets (ROA) | 0.8479% | 3,049 |
| Pretax return on assets | -0.3591% | 4,644 |
| Return on Equity (ROE) | 21.6500% | 312 |
| Retained earnings to average equity (ytd only) | 21.6462% | 70 |
| Net charge-offs to loans | -0.0046% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 107.0982% | 109 |
| Assets per employee ($millions) | 2.4285% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 1,131 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 1,254 |
| Noncurrent loans to loans | 0.7838% | 1,029 |
| Net loans and leases to total assets | 35.6100% | 4,245 |
| Net loans and leases to deposits | 36.7955% | 4,342 |
| Net loans and leases to core deposits | 37.4432% | 4,357 |
| Total domestic deposits to total assets | 96.7700% | 89 |
| Equity capital to assets | 3.1825% | 4,579 |
| Core capital (leverage) ratio | 8.6580% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3579% | 616 |
| Memoranda: | ||
| Average total assets | $84,280,000 | 4,109 |
| Average earning assets | $76,138,750 | 4,116 |
| Average equity | $3,301,500 | 4,633 |
| Average total loans | $29,071,750 | 4,284 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9064% | 3,760 |
| Cost of funding earning assets | 0.0711% | 4,449 |
| Net interest margin | 2.8352% | 3,327 |
| Noninterest income to average assets | 1.5016% | 337 |
| Noninterest expense to average assets | 5.0618% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8163% | 2,899 |
| Return on assets (ROA) | 0.8163% | 2,869 |
| Pretax return on assets | -0.9995% | 4,703 |
| Return on Equity (ROE) | 19.5981% | 334 |
| Retained earnings to average equity (ytd only) | 19.5981% | 82 |
| Net charge-offs to loans | -0.0070% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.6046% | 68 |
| Assets per employee ($millions) | 2.3193% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6925% | 972 |
| Loan loss allowance to noncurrent loans | 205.9829% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 1,107 |
| Noncurrent loans to loans | 0.8217% | 1,045 |
| Net loans and leases to total assets | 34.4889% | 4,309 |
| Net loans and leases to deposits | 35.9911% | 4,391 |
| Net loans and leases to core deposits | 36.6617% | 4,414 |
| Total domestic deposits to total assets | 95.8262% | 93 |
| Equity capital to assets | 4.0148% | 4,623 |
| Core capital (leverage) ratio | 8.1006% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2127% | 609 |
| Memoranda: | ||
| Average total assets | $84,041,333 | 4,153 |
| Average earning assets | $75,901,667 | 4,174 |
| Average equity | $3,500,333 | 4,654 |
| Average total loans | $28,513,333 | 4,350 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6328% | 4,064 |
| Cost of funding earning assets | 0.0770% | 4,384 |
| Net interest margin | 2.5558% | 3,775 |
| Noninterest income to average assets | 1.7783% | 286 |
| Noninterest expense to average assets | 4.5019% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 3.1775% | 67 |
| Return on assets (ROA) | 3.1775% | 66 |
| Pretax return on assets | -0.3931% | 4,663 |
| Return on Equity (ROE) | 75.0069% | 8 |
| Retained earnings to average equity (ytd only) | 75.0069% | 5 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5672% | 136 |
| Assets per employee ($millions) | 2.6690% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 1,002 |
| Loan loss allowance to noncurrent loans | 139.4203% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.9284% | 156 |
| Noncurrent loans to loans | 1.2406% | 706 |
| Net loans and leases to total assets | 31.9978% | 4,377 |
| Net loans and leases to deposits | 34.1310% | 4,442 |
| Net loans and leases to core deposits | 34.7472% | 4,466 |
| Total domestic deposits to total assets | 93.7501% | 136 |
| Equity capital to assets | 6.1446% | 4,552 |
| Core capital (leverage) ratio | 8.5209% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1829% | 482 |
| Memoranda: | ||
| Average total assets | $85,475,000 | 4,156 |
| Average earning assets | $77,940,500 | 4,164 |
| Average equity | $3,621,000 | 4,678 |
| Average total loans | $28,531,000 | 4,362 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0367% | 3,804 |
| Cost of funding earning assets | 0.1329% | 4,130 |
| Net interest margin | 2.9038% | 3,430 |
| Noninterest income to average assets | 0.8745% | 1,272 |
| Noninterest expense to average assets | 3.8701% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.3491% | 4,742 |
| Return on assets (ROA) | -0.3227% | 4,743 |
| Pretax return on assets | -0.3227% | 4,746 |
| Return on Equity (ROE) | -13.0932% | 4,816 |
| Retained earnings to average equity (ytd only) | -13.0932% | 4,789 |
| Net charge-offs to loans | 0.0598% | 1,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -13.7826% | 2,683 |
| Efficiency ratio | 109.9155% | 97 |
| Assets per employee ($millions) | 2.6732% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 1,167 |
| Loan loss allowance to noncurrent loans | 138.2184% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.9371% | 166 |
| Noncurrent loans to loans | 1.1897% | 810 |
| Net loans and leases to total assets | 33.6342% | 4,387 |
| Net loans and leases to deposits | 34.4720% | 4,514 |
| Net loans and leases to core deposits | 35.0682% | 4,535 |
| Total domestic deposits to total assets | 97.5696% | 2 |
| Equity capital to assets | 2.3310% | 4,838 |
| Core capital (leverage) ratio | 2.5887% | 4,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.4241% | 3,090 |
| Memoranda: | ||
| Average total assets | $90,798,800 | 4,088 |
| Average earning assets | $82,754,400 | 4,095 |
| Average equity | $2,237,800 | 4,801 |
| Average total loans | $38,472,600 | 4,223 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1384% | 3,727 |
| Cost of funding earning assets | 0.1414% | 4,183 |
| Net interest margin | 2.9970% | 3,313 |
| Noninterest income to average assets | 0.7802% | 1,586 |
| Noninterest expense to average assets | 3.8198% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.3098% | 4,806 |
| Return on assets (ROA) | -0.2750% | 4,814 |
| Pretax return on assets | -0.2750% | 4,812 |
| Return on Equity (ROE) | -11.0202% | 4,885 |
| Retained earnings to average equity (ytd only) | -11.0202% | 4,855 |
| Net charge-offs to loans | 0.0719% | 928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -9.7273% | 2,437 |
| Efficiency ratio | 108.8247% | 109 |
| Assets per employee ($millions) | 2.8808% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 1,570 |
| Loan loss allowance to noncurrent loans | 132.7824% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.9190% | 204 |
| Noncurrent loans to loans | 1.1416% | 988 |
| Net loans and leases to total assets | 33.9712% | 4,467 |
| Net loans and leases to deposits | 34.8103% | 4,610 |
| Net loans and leases to core deposits | 35.3677% | 4,625 |
| Total domestic deposits to total assets | 97.5896% | 2 |
| Equity capital to assets | 2.3312% | 4,913 |
| Core capital (leverage) ratio | 2.5192% | 4,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.9484% | 3,121 |
| Memoranda: | ||
| Average total assets | $92,113,250 | 4,131 |
| Average earning assets | $83,904,750 | 4,135 |
| Average equity | $2,298,750 | 4,869 |
| Average total loans | $40,777,750 | 4,229 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3495% | 3,312 |
| Cost of funding earning assets | 0.1403% | 4,277 |
| Net interest margin | 3.2093% | 2,725 |
| Noninterest income to average assets | 0.7775% | 1,590 |
| Noninterest expense to average assets | 3.9310% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.2215% | 4,832 |
| Return on assets (ROA) | -0.2215% | 4,836 |
| Pretax return on assets | -0.2215% | 4,836 |
| Return on Equity (ROE) | -8.6858% | 4,906 |
| Retained earnings to average equity (ytd only) | -8.6858% | 4,853 |
| Net charge-offs to loans | 0.1005% | 737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -4.6364% | 2,223 |
| Efficiency ratio | 105.9719% | 121 |
| Assets per employee ($millions) | 3.0028% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 3,013 |
| Loan loss allowance to noncurrent loans | 137.4286% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.8451% | 246 |
| Noncurrent loans to loans | 0.8635% | 1,426 |
| Net loans and leases to total assets | 41.6813% | 4,203 |
| Net loans and leases to deposits | 42.7531% | 4,433 |
| Net loans and leases to core deposits | 43.4102% | 4,482 |
| Total domestic deposits to total assets | 97.4930% | 2 |
| Equity capital to assets | 2.3124% | 4,950 |
| Core capital (leverage) ratio | 2.6384% | 4,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.7333% | 3,103 |
| Memoranda: | ||
| Average total assets | $92,089,667 | 4,152 |
| Average earning assets | $84,131,000 | 4,155 |
| Average equity | $2,348,667 | 4,903 |
| Average total loans | $43,771,000 | 4,200 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 2,801 |
| Cost of funding earning assets | 0.1462% | 4,333 |
| Net interest margin | 3.3977% | 2,119 |
| Noninterest income to average assets | 0.8481% | 1,469 |
| Noninterest expense to average assets | 3.9072% | 307 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0355% | 4,761 |
| Return on assets (ROA) | 0.0355% | 4,767 |
| Pretax return on assets | 0.0355% | 4,767 |
| Return on Equity (ROE) | 1.3267% | 4,676 |
| Retained earnings to average equity (ytd only) | 1.3267% | 4,153 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0991% | 201 |
| Assets per employee ($millions) | 2.8987% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,226 |
| Loan loss allowance to noncurrent loans | 52.5000% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.6165% | 142 |
| Noncurrent loans to loans | 2.1784% | 460 |
| Net loans and leases to total assets | 46.9669% | 3,892 |
| Net loans and leases to deposits | 48.1648% | 4,257 |
| Net loans and leases to core deposits | 48.5150% | 4,357 |
| Total domestic deposits to total assets | 97.5129% | 1 |
| Equity capital to assets | 2.3577% | 4,976 |
| Core capital (leverage) ratio | 2.9285% | 4,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.7934% | 3,077 |
| Memoranda: | ||
| Average total assets | $90,089,000 | 4,186 |
| Average earning assets | $82,055,000 | 4,193 |
| Average equity | $2,412,000 | 4,927 |
| Average total loans | $45,390,000 | 4,181 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 1,794 |
| Cost of funding earning assets | 0.1917% | 4,605 |
| Net interest margin | 4.1312% | 739 |
| Noninterest income to average assets | 1.2173% | 754 |
| Noninterest expense to average assets | 4.7677% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1103% | 4,659 |
| Return on assets (ROA) | 0.2926% | 4,508 |
| Pretax return on assets | 0.2926% | 4,554 |
| Return on Equity (ROE) | 9.4249% | 2,228 |
| Retained earnings to average equity (ytd only) | 9.4249% | 694 |
| Net charge-offs to loans | 0.0909% | 1,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 2.1190% | 3,198 |
| Efficiency ratio | 97.7382% | 207 |
| Assets per employee ($millions) | 2.6491% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 3,565 |
| Loan loss allowance to noncurrent loans | 49.4118% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 3.3494% | 93 |
| Noncurrent loans to loans | 2.1837% | 497 |
| Net loans and leases to total assets | 52.8558% | 3,587 |
| Net loans and leases to deposits | 55.0281% | 4,070 |
| Net loans and leases to core deposits | 55.4587% | 4,183 |
| Total domestic deposits to total assets | 96.0523% | 2 |
| Equity capital to assets | 3.0165% | 5,000 |
| Core capital (leverage) ratio | 3.0132% | 5,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.7083% | 3,101 |
| Memoranda: | ||
| Average total assets | $80,667,600 | 4,232 |
| Average earning assets | $71,481,000 | 4,272 |
| Average equity | $2,504,000 | 4,938 |
| Average total loans | $46,179,600 | 4,182 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 1,257 |
| Cost of funding earning assets | 0.2052% | 4,654 |
| Net interest margin | 4.4127% | 462 |
| Noninterest income to average assets | 1.2509% | 695 |
| Noninterest expense to average assets | 4.9547% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1806% | 4,620 |
| Return on assets (ROA) | 0.3106% | 4,478 |
| Pretax return on assets | 0.3106% | 4,533 |
| Return on Equity (ROE) | 9.9293% | 2,046 |
| Retained earnings to average equity (ytd only) | 9.9293% | 780 |
| Net charge-offs to loans | 0.0550% | 1,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 5.6316% | 2,718 |
| Efficiency ratio | 96.4826% | 216 |
| Assets per employee ($millions) | 2.9109% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,564 |
| Loan loss allowance to noncurrent loans | 51.7174% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 3.9542% | 84 |
| Noncurrent loans to loans | 1.9914% | 610 |
| Net loans and leases to total assets | 59.9922% | 3,230 |
| Net loans and leases to deposits | 62.6359% | 3,894 |
| Net loans and leases to core deposits | 63.1443% | 4,047 |
| Total domestic deposits to total assets | 95.7792% | 5 |
| Equity capital to assets | 3.1925% | 5,029 |
| Core capital (leverage) ratio | 3.0276% | 5,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.4014% | 3,124 |
| Memoranda: | ||
| Average total assets | $78,979,750 | 4,263 |
| Average earning assets | $69,524,250 | 4,313 |
| Average equity | $2,470,750 | 4,969 |
| Average total loans | $46,047,000 | 4,207 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 1,154 |
| Cost of funding earning assets | 0.2312% | 4,682 |
| Net interest margin | 4.5768% | 428 |
| Noninterest income to average assets | 1.5188% | 451 |
| Noninterest expense to average assets | 5.0721% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4484% | 4,131 |
| Return on assets (ROA) | 0.4484% | 4,193 |
| Pretax return on assets | 0.4484% | 4,332 |
| Return on Equity (ROE) | 14.4407% | 802 |
| Retained earnings to average equity (ytd only) | 14.4407% | 250 |
| Net charge-offs to loans | 0.0045% | 2,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 497 |
| Efficiency ratio | 91.8779% | 344 |
| Assets per employee ($millions) | 2.6130% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,255 |
| Loan loss allowance to noncurrent loans | 53.2747% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 4.8854% | 55 |
| Noncurrent loans to loans | 1.9999% | 675 |
| Net loans and leases to total assets | 60.5224% | 3,262 |
| Net loans and leases to deposits | 63.2493% | 3,939 |
| Net loans and leases to core deposits | 63.7681% | 4,091 |
| Total domestic deposits to total assets | 95.6887% | 5 |
| Equity capital to assets | 3.2254% | 5,061 |
| Core capital (leverage) ratio | 3.1083% | 5,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.0694% | 3,208 |
| Memoranda: | ||
| Average total assets | $77,167,667 | 4,295 |
| Average earning assets | $67,470,333 | 4,350 |
| Average equity | $2,396,000 | 5,004 |
| Average total loans | $44,339,333 | 4,248 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 1,843 |
| Cost of funding earning assets | 0.2609% | 4,746 |
| Net interest margin | 4.3918% | 634 |
| Noninterest income to average assets | 0.9954% | 866 |
| Noninterest expense to average assets | 5.0688% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2488% | 4,869 |
| Return on assets (ROA) | -0.2488% | 4,844 |
| Pretax return on assets | -0.2488% | 4,830 |
| Return on Equity (ROE) | -8.1942% | 4,980 |
| Retained earnings to average equity (ytd only) | -8.1942% | 4,700 |
| Net charge-offs to loans | 0.0684% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -6.5714% | 2,525 |
| Efficiency ratio | 105.1627% | 181 |
| Assets per employee ($millions) | 2.2436% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 2,024 |
| Loan loss allowance to noncurrent loans | 48.2111% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 5.2377% | 58 |
| Noncurrent loans to loans | 2.7485% | 417 |
| Net loans and leases to total assets | 54.2112% | 3,969 |
| Net loans and leases to deposits | 55.9306% | 4,369 |
| Net loans and leases to core deposits | 56.4418% | 4,480 |
| Total domestic deposits to total assets | 96.9260% | 1 |
| Equity capital to assets | 2.9849% | 5,113 |
| Core capital (leverage) ratio | 3.1464% | 5,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 6.3260% | 3,399 |
| Memoranda: | ||
| Average total assets | $73,943,000 | 4,344 |
| Average earning assets | $64,392,000 | 4,414 |
| Average equity | $2,245,500 | 5,057 |
| Average total loans | $40,933,000 | 4,354 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 964 |
| Cost of funding earning assets | 0.2666% | 4,810 |
| Net interest margin | 4.9475% | 296 |
| Noninterest income to average assets | -0.3975% | 5,168 |
| Noninterest expense to average assets | 4.9088% | 227 |
| Loan and lease loss provision to assets | 0.1006% | 2,046 |
| Net operating income to assets | -1.1347% | 5,102 |
| Return on assets (ROA) | -1.0832% | 5,106 |
| Pretax return on assets | -1.0832% | 5,101 |
| Return on Equity (ROE) | -31.8724% | 5,167 |
| Retained earnings to average equity (ytd only) | -31.8724% | 5,161 |
| Net charge-offs to loans | -0.0209% | 4,632 |
| Credit loss provision to net charge-offs | -888.8889% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6883% | 64 |
| Assets per employee ($millions) | 2.1719% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,813 |
| Loan loss allowance to noncurrent loans | 43.0939% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 6.0233% | 36 |
| Noncurrent loans to loans | 3.0761% | 302 |
| Net loans and leases to total assets | 55.0375% | 3,996 |
| Net loans and leases to deposits | 56.8609% | 4,428 |
| Net loans and leases to core deposits | 57.3811% | 4,542 |
| Total domestic deposits to total assets | 96.7933% | 2 |
| Equity capital to assets | 3.0889% | 5,173 |
| Core capital (leverage) ratio | 3.1630% | 5,173 |
| Tier 1 risk-based capital ratio | 5.0849% | 5,172 |
| Total risk-based capital ratio | 6.2544% | 5,172 |
| Memoranda: | ||
| Average total assets | $79,489,200 | 4,296 |
| Average earning assets | $68,640,200 | 4,364 |
| Average equity | $2,701,400 | 5,087 |
| Average total loans | $43,005,000 | 4,334 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2411% | 963 |
| Cost of funding earning assets | 0.2659% | 4,885 |
| Net interest margin | 4.9752% | 305 |
| Noninterest income to average assets | -0.8356% | 5,248 |
| Noninterest expense to average assets | 4.8091% | 237 |
| Loan and lease loss provision to assets | 0.1318% | 1,461 |
| Net operating income to assets | -1.4899% | 5,198 |
| Return on assets (ROA) | -1.4223% | 5,196 |
| Pretax return on assets | -1.4223% | 5,191 |
| Return on Equity (ROE) | -40.9991% | 5,247 |
| Retained earnings to average equity (ytd only) | -40.9991% | 5,241 |
| Net charge-offs to loans | -0.0215% | 4,598 |
| Credit loss provision to net charge-offs | -1,142.8571% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.3505% | 53 |
| Assets per employee ($millions) | 2.2458% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,207 |
| Loan loss allowance to noncurrent loans | 35.0968% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 6.2849% | 43 |
| Noncurrent loans to loans | 3.5773% | 214 |
| Net loans and leases to total assets | 56.0321% | 4,045 |
| Net loans and leases to deposits | 57.9036% | 4,478 |
| Net loans and leases to core deposits | 58.4159% | 4,589 |
| Total domestic deposits to total assets | 96.7679% | 3 |
| Equity capital to assets | 3.1038% | 5,250 |
| Core capital (leverage) ratio | 3.0551% | 5,250 |
| Tier 1 risk-based capital ratio | 4.8731% | 5,251 |
| Total risk-based capital ratio | 5.9917% | 5,251 |
| Memoranda: | ||
| Average total assets | $80,900,000 | 4,325 |
| Average earning assets | $69,703,500 | 4,402 |
| Average equity | $2,806,500 | 5,158 |
| Average total loans | $43,459,000 | 4,376 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2147% | 956 |
| Cost of funding earning assets | 0.2655% | 4,914 |
| Net interest margin | 4.9492% | 318 |
| Noninterest income to average assets | 0.3931% | 3,313 |
| Noninterest expense to average assets | 4.7977% | 245 |
| Loan and lease loss provision to assets | 0.1456% | 1,269 |
| Net operating income to assets | -0.2985% | 5,167 |
| Return on assets (ROA) | -0.2742% | 5,168 |
| Pretax return on assets | -0.2742% | 5,165 |
| Return on Equity (ROE) | -7.6558% | 5,224 |
| Retained earnings to average equity (ytd only) | -7.6558% | 5,129 |
| Net charge-offs to loans | -0.0230% | 4,595 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2915% | 139 |
| Assets per employee ($millions) | 2.3300% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,580 |
| Loan loss allowance to noncurrent loans | 34.8930% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 7.2078% | 35 |
| Noncurrent loans to loans | 3.4082% | 255 |
| Net loans and leases to total assets | 54.7488% | 4,161 |
| Net loans and leases to deposits | 57.1233% | 4,553 |
| Net loans and leases to core deposits | 58.2957% | 4,631 |
| Total domestic deposits to total assets | 95.8432% | 4 |
| Equity capital to assets | 3.9599% | 5,297 |
| Core capital (leverage) ratio | 3.8948% | 5,296 |
| Tier 1 risk-based capital ratio | 6.2661% | 5,296 |
| Total risk-based capital ratio | 7.3137% | 5,296 |
| Memoranda: | ||
| Average total assets | $82,414,000 | 4,338 |
| Average earning assets | $70,799,670 | 4,426 |
| Average equity | $2,952,000 | 5,190 |
| Average total loans | $43,502,330 | 4,402 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1951% | 919 |
| Cost of funding earning assets | 0.2611% | 4,950 |
| Net interest margin | 4.9340% | 318 |
| Noninterest income to average assets | 0.0619% | 5,177 |
| Noninterest expense to average assets | 4.6422% | 259 |
| Loan and lease loss provision to assets | 0.1428% | 1,197 |
| Net operating income to assets | -0.4952% | 5,250 |
| Return on assets (ROA) | -0.4952% | 5,246 |
| Pretax return on assets | -0.4952% | 5,239 |
| Return on Equity (ROE) | -14.5480% | 5,315 |
| Retained earnings to average equity (ytd only) | -14.5480% | 5,199 |
| Net charge-offs to loans | -0.0277% | 4,617 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2131% | 115 |
| Assets per employee ($millions) | 2.3841% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,003 |
| Loan loss allowance to noncurrent loans | 69.6023% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 6.6927% | 39 |
| Noncurrent loans to loans | 1.6124% | 981 |
| Net loans and leases to total assets | 53.2600% | 4,253 |
| Net loans and leases to deposits | 55.3721% | 4,630 |
| Net loans and leases to core deposits | 56.4775% | 4,692 |
| Total domestic deposits to total assets | 96.1855% | 3 |
| Equity capital to assets | 3.6171% | 5,355 |
| Core capital (leverage) ratio | 3.7822% | 5,356 |
| Tier 1 risk-based capital ratio | 6.2130% | 5,353 |
| Total risk-based capital ratio | 7.1854% | 5,354 |
| Memoranda: | ||
| Average total assets | $84,011,000 | 4,354 |
| Average earning assets | $71,990,500 | 4,451 |
| Average equity | $2,859,500 | 5,252 |
| Average total loans | $43,306,500 | 4,450 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2550% | 633 |
| Cost of funding earning assets | 0.2893% | 4,622 |
| Net interest margin | 4.9657% | 282 |
| Noninterest income to average assets | 0.4993% | 2,839 |
| Noninterest expense to average assets | 4.8564% | 228 |
| Loan and lease loss provision to assets | 0.1437% | 1,496 |
| Net operating income to assets | -0.3293% | 5,300 |
| Return on assets (ROA) | -0.3293% | 5,295 |
| Pretax return on assets | -0.3293% | 5,291 |
| Return on Equity (ROE) | -9.5460% | 5,347 |
| Retained earnings to average equity (ytd only) | -9.5460% | 5,315 |
| Net charge-offs to loans | -0.0131% | 4,569 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9733% | 112 |
| Assets per employee ($millions) | 2.4847% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,303 |
| Loan loss allowance to noncurrent loans | 53.5129% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 7.5699% | 34 |
| Noncurrent loans to loans | 1.9883% | 682 |
| Net loans and leases to total assets | 48.8645% | 4,586 |
| Net loans and leases to deposits | 50.5153% | 4,869 |
| Net loans and leases to core deposits | 51.4480% | 4,910 |
| Total domestic deposits to total assets | 96.7319% | 1 |
| Equity capital to assets | 3.2048% | 5,402 |
| Core capital (leverage) ratio | 3.7601% | 5,400 |
| Tier 1 risk-based capital ratio | 6.2894% | 5,399 |
| Total risk-based capital ratio | 7.1779% | 5,400 |
| Memoranda: | ||
| Average total assets | $83,519,400 | 4,366 |
| Average earning assets | $70,161,400 | 4,491 |
| Average equity | $2,880,800 | 5,289 |
| Average total loans | $45,683,400 | 4,414 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 786 |
| Cost of funding earning assets | 0.2915% | 4,583 |
| Net interest margin | 4.7929% | 381 |
| Noninterest income to average assets | 0.5113% | 2,796 |
| Noninterest expense to average assets | 4.9310% | 212 |
| Loan and lease loss provision to assets | 0.1452% | 1,367 |
| Net operating income to assets | -0.5597% | 5,394 |
| Return on assets (ROA) | -0.5597% | 5,389 |
| Pretax return on assets | -0.5597% | 5,389 |
| Return on Equity (ROE) | -15.9304% | 5,445 |
| Retained earnings to average equity (ytd only) | -15.9304% | 5,426 |
| Net charge-offs to loans | -0.0173% | 4,584 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1786% | 84 |
| Assets per employee ($millions) | 2.4860% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 4,040 |
| Loan loss allowance to noncurrent loans | 92.8261% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 8.1575% | 32 |
| Noncurrent loans to loans | 1.0257% | 1,675 |
| Net loans and leases to total assets | 52.5537% | 4,456 |
| Net loans and leases to deposits | 54.1952% | 4,817 |
| Net loans and leases to core deposits | 55.2261% | 4,864 |
| Total domestic deposits to total assets | 96.9712% | 2 |
| Equity capital to assets | 2.8761% | 5,473 |
| Core capital (leverage) ratio | 3.7601% | 5,474 |
| Tier 1 risk-based capital ratio | 6.0018% | 5,472 |
| Total risk-based capital ratio | 6.8120% | 5,473 |
| Memoranda: | ||
| Average total assets | $82,658,500 | 4,429 |
| Average earning assets | $69,073,250 | 4,559 |
| Average equity | $2,904,250 | 5,356 |
| Average total loans | $46,366,500 | 4,433 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0398% | 746 |
| Cost of funding earning assets | 0.2951% | 4,450 |
| Net interest margin | 4.7447% | 396 |
| Noninterest income to average assets | 0.8313% | 1,381 |
| Noninterest expense to average assets | 4.9368% | 222 |
| Loan and lease loss provision to assets | 0.1463% | 1,302 |
| Net operating income to assets | -0.2926% | 5,412 |
| Return on assets (ROA) | -0.2926% | 5,405 |
| Pretax return on assets | -0.2926% | 5,405 |
| Return on Equity (ROE) | -7.8380% | 5,462 |
| Retained earnings to average equity (ytd only) | -7.8380% | 5,376 |
| Net charge-offs to loans | -0.0213% | 4,594 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0534% | 139 |
| Assets per employee ($millions) | 2.3902% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 4,424 |
| Loan loss allowance to noncurrent loans | 114.7826% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 8.3712% | 36 |
| Noncurrent loans to loans | 0.7663% | 2,204 |
| Net loans and leases to total assets | 53.3446% | 4,390 |
| Net loans and leases to deposits | 55.3776% | 4,784 |
| Net loans and leases to core deposits | 56.4457% | 4,849 |
| Total domestic deposits to total assets | 96.3290% | 2 |
| Equity capital to assets | 3.4427% | 5,537 |
| Core capital (leverage) ratio | 4.1322% | 5,536 |
| Tier 1 risk-based capital ratio | 6.4890% | 5,535 |
| Total risk-based capital ratio | 7.2467% | 5,536 |
| Memoranda: | ||
| Average total assets | $82,037,000 | 4,481 |
| Average earning assets | $68,455,670 | 4,614 |
| Average equity | $3,062,000 | 5,409 |
| Average total loans | $46,873,000 | 4,464 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 572 |
| Cost of funding earning assets | 0.3014% | 4,340 |
| Net interest margin | 4.8102% | 338 |
| Noninterest income to average assets | 0.9159% | 1,112 |
| Noninterest expense to average assets | 4.8653% | 235 |
| Loan and lease loss provision to assets | 0.1477% | 1,234 |
| Net operating income to assets | -0.0886% | 5,415 |
| Return on assets (ROA) | -0.0886% | 5,409 |
| Pretax return on assets | -0.0886% | 5,414 |
| Return on Equity (ROE) | -2.2835% | 5,455 |
| Retained earnings to average equity (ytd only) | -2.2835% | 5,034 |
| Net charge-offs to loans | -0.0335% | 4,788 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8000% | 191 |
| Assets per employee ($millions) | 2.3486% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7633% | 4,881 |
| Loan loss allowance to noncurrent loans | 103.3994% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 8.8076% | 28 |
| Noncurrent loans to loans | 0.7382% | 2,360 |
| Net loans and leases to total assets | 57.7285% | 3,965 |
| Net loans and leases to deposits | 60.1026% | 4,466 |
| Net loans and leases to core deposits | 61.2863% | 4,595 |
| Total domestic deposits to total assets | 96.0500% | 3 |
| Equity capital to assets | 3.7177% | 5,597 |
| Core capital (leverage) ratio | 4.3463% | 5,598 |
| Tier 1 risk-based capital ratio | 6.3698% | 5,597 |
| Total risk-based capital ratio | 7.0356% | 5,599 |
| Memoranda: | ||
| Average total assets | $81,227,500 | 4,543 |
| Average earning assets | $67,690,000 | 4,683 |
| Average equity | $3,153,000 | 5,458 |
| Average total loans | $47,798,500 | 4,489 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9405% | 728 |
| Cost of funding earning assets | 0.3094% | 4,046 |
| Net interest margin | 4.6311% | 467 |
| Noninterest income to average assets | 1.2837% | 644 |
| Noninterest expense to average assets | 4.9524% | 224 |
| Loan and lease loss provision to assets | 0.1167% | 1,950 |
| Net operating income to assets | 0.0822% | 5,275 |
| Return on assets (ROA) | 0.0822% | 5,281 |
| Pretax return on assets | 0.0822% | 5,386 |
| Return on Equity (ROE) | 2.1511% | 5,026 |
| Retained earnings to average equity (ytd only) | 2.1511% | 4,032 |
| Net charge-offs to loans | 0.1131% | 1,927 |
| Credit loss provision to net charge-offs | 171.9298% | 1,573 |
| Earnings coverage of net charge-offs (x) | 2.9298% | 3,671 |
| Efficiency ratio | 96.1396% | 248 |
| Assets per employee ($millions) | 2.2929% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6928% | 5,085 |
| Loan loss allowance to noncurrent loans | 99.3994% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 9.0863% | 27 |
| Noncurrent loans to loans | 0.6970% | 2,463 |
| Net loans and leases to total assets | 59.1218% | 3,911 |
| Net loans and leases to deposits | 61.7791% | 4,473 |
| Net loans and leases to core deposits | 62.8204% | 4,607 |
| Total domestic deposits to total assets | 95.6986% | 2 |
| Equity capital to assets | 4.0497% | 5,660 |
| Core capital (leverage) ratio | 4.2583% | 5,662 |
| Tier 1 risk-based capital ratio | 6.5107% | 5,660 |
| Total risk-based capital ratio | 7.1247% | 5,661 |
| Memoranda: | ||
| Average total assets | $83,978,800 | 4,513 |
| Average earning assets | $70,135,200 | 4,662 |
| Average equity | $3,207,600 | 5,509 |
| Average total loans | $50,395,400 | 4,446 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 831 |
| Cost of funding earning assets | 0.3080% | 4,053 |
| Net interest margin | 4.5444% | 539 |
| Noninterest income to average assets | 1.3331% | 587 |
| Noninterest expense to average assets | 4.9635% | 226 |
| Loan and lease loss provision to assets | 0.1083% | 1,966 |
| Net operating income to assets | 0.0612% | 5,475 |
| Return on assets (ROA) | 0.0612% | 5,480 |
| Pretax return on assets | 0.0612% | 5,481 |
| Return on Equity (ROE) | 1.6265% | 5,357 |
| Retained earnings to average equity (ytd only) | 1.6265% | 4,776 |
| Net charge-offs to loans | 0.1515% | 1,335 |
| Credit loss provision to net charge-offs | 118.9655% | 2,017 |
| Earnings coverage of net charge-offs (x) | 1.8621% | 3,538 |
| Efficiency ratio | 96.6962% | 234 |
| Assets per employee ($millions) | 2.4007% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5952% | 5,333 |
| Loan loss allowance to noncurrent loans | 67.4888% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 8.8654% | 33 |
| Noncurrent loans to loans | 0.8820% | 2,168 |
| Net loans and leases to total assets | 59.8265% | 3,886 |
| Net loans and leases to deposits | 62.5162% | 4,477 |
| Net loans and leases to core deposits | 63.5210% | 4,626 |
| Total domestic deposits to total assets | 95.6976% | 4 |
| Equity capital to assets | 3.9453% | 5,725 |
| Core capital (leverage) ratio | 4.1526% | 5,726 |
| Tier 1 risk-based capital ratio | 6.1261% | 5,725 |
| Total risk-based capital ratio | 6.6560% | 5,729 |
| Memoranda: | ||
| Average total assets | $84,910,250 | 4,547 |
| Average earning assets | $71,001,250 | 4,695 |
| Average equity | $3,197,000 | 5,576 |
| Average total loans | $51,049,750 | 4,474 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 950 |
| Cost of funding earning assets | 0.3058% | 4,026 |
| Net interest margin | 4.4524% | 633 |
| Noninterest income to average assets | 1.1431% | 768 |
| Noninterest expense to average assets | 4.9410% | 225 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0728% | 5,577 |
| Return on assets (ROA) | -0.0728% | 5,584 |
| Pretax return on assets | -0.0728% | 5,575 |
| Return on Equity (ROE) | -1.9635% | 5,623 |
| Retained earnings to average equity (ytd only) | -1.9635% | 5,344 |
| Net charge-offs to loans | 0.2304% | 888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.5254% | 3,426 |
| Efficiency ratio | 101.4947% | 173 |
| Assets per employee ($millions) | 2.4081% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4617% | 5,554 |
| Loan loss allowance to noncurrent loans | 38.1818% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 9.0265% | 33 |
| Noncurrent loans to loans | 1.2093% | 1,612 |
| Net loans and leases to total assets | 59.0829% | 3,913 |
| Net loans and leases to deposits | 61.6778% | 4,524 |
| Net loans and leases to core deposits | 62.6626% | 4,683 |
| Total domestic deposits to total assets | 95.7928% | 3 |
| Equity capital to assets | 3.9283% | 5,776 |
| Core capital (leverage) ratio | 4.0118% | 5,777 |
| Tier 1 risk-based capital ratio | 6.0289% | 5,774 |
| Total risk-based capital ratio | 6.4373% | 5,779 |
| Memoranda: | ||
| Average total assets | $85,206,000 | 4,567 |
| Average earning assets | $71,287,000 | 4,719 |
| Average equity | $3,157,670 | 5,624 |
| Average total loans | $51,210,000 | 4,491 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7062% | 930 |
| Cost of funding earning assets | 0.3063% | 3,979 |
| Net interest margin | 4.3999% | 640 |
| Noninterest income to average assets | 1.2047% | 710 |
| Noninterest expense to average assets | 4.8887% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0047% | 5,601 |
| Return on assets (ROA) | 0.0047% | 5,608 |
| Pretax return on assets | 0.0047% | 5,598 |
| Return on Equity (ROE) | 0.1298% | 5,599 |
| Retained earnings to average equity (ytd only) | 0.1298% | 4,882 |
| Net charge-offs to loans | 0.3475% | 525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.0222% | 2,851 |
| Efficiency ratio | 99.9046% | 225 |
| Assets per employee ($millions) | 2.3905% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4700% | 5,619 |
| Loan loss allowance to noncurrent loans | 47.4903% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 8.8741% | 42 |
| Noncurrent loans to loans | 0.9897% | 2,068 |
| Net loans and leases to total assets | 60.5317% | 3,729 |
| Net loans and leases to deposits | 63.0010% | 4,369 |
| Net loans and leases to core deposits | 64.2822% | 4,517 |
| Total domestic deposits to total assets | 96.0806% | 5 |
| Equity capital to assets | 3.6405% | 5,844 |
| Core capital (leverage) ratio | 4.0722% | 5,840 |
| Tier 1 risk-based capital ratio | 5.8385% | 5,842 |
| Total risk-based capital ratio | 6.2557% | 5,845 |
| Memoranda: | ||
| Average total assets | $85,666,500 | 4,614 |
| Average earning assets | $71,819,500 | 4,750 |
| Average equity | $3,081,000 | 5,693 |
| Average total loans | $51,800,500 | 4,511 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 1,414 |
| Cost of funding earning assets | 0.3372% | 3,668 |
| Net interest margin | 4.2074% | 1,098 |
| Noninterest income to average assets | 1.1790% | 813 |
| Noninterest expense to average assets | 5.0654% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.3762% | 5,755 |
| Return on assets (ROA) | -0.2508% | 5,741 |
| Pretax return on assets | -0.2508% | 5,728 |
| Return on Equity (ROE) | -5.7614% | 5,801 |
| Retained earnings to average equity (ytd only) | -5.7614% | 5,699 |
| Net charge-offs to loans | 0.0697% | 2,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -9.1714% | 4,236 |
| Efficiency ratio | 108.0230% | 141 |
| Assets per employee ($millions) | 2.3754% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 4,583 |
| Loan loss allowance to noncurrent loans | 33.4925% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 9.9270% | 35 |
| Noncurrent loans to loans | 2.8355% | 507 |
| Net loans and leases to total assets | 59.8861% | 3,868 |
| Net loans and leases to deposits | 62.3847% | 4,518 |
| Net loans and leases to core deposits | 63.9155% | 4,638 |
| Total domestic deposits to total assets | 95.9948% | 6 |
| Equity capital to assets | 3.8228% | 5,893 |
| Core capital (leverage) ratio | 4.3376% | 5,891 |
| Tier 1 risk-based capital ratio | 6.2701% | 5,891 |
| Total risk-based capital ratio | 7.1065% | 5,895 |
| Memoranda: | ||
| Average total assets | $85,323,400 | 4,627 |
| Average earning assets | $71,184,200 | 4,778 |
| Average equity | $3,714,400 | 5,676 |
| Average total loans | $50,184,200 | 4,566 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 1,431 |
| Cost of funding earning assets | 0.3397% | 3,656 |
| Net interest margin | 4.1987% | 1,120 |
| Noninterest income to average assets | 1.1914% | 815 |
| Noninterest expense to average assets | 5.1534% | 237 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.4644% | 5,851 |
| Return on assets (ROA) | -0.2971% | 5,832 |
| Pretax return on assets | -0.2971% | 5,814 |
| Return on Equity (ROE) | -6.6217% | 5,882 |
| Retained earnings to average equity (ytd only) | -6.6217% | 5,782 |
| Net charge-offs to loans | 0.0964% | 1,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -8.2498% | 3,917 |
| Efficiency ratio | 109.9033% | 122 |
| Assets per employee ($millions) | 2.4213% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 4,520 |
| Loan loss allowance to noncurrent loans | 33.1305% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 9.9933% | 38 |
| Noncurrent loans to loans | 2.9546% | 517 |
| Net loans and leases to total assets | 58.4894% | 4,049 |
| Net loans and leases to deposits | 61.4850% | 4,663 |
| Net loans and leases to core deposits | 63.0043% | 4,774 |
| Total domestic deposits to total assets | 95.1279% | 11 |
| Equity capital to assets | 4.4615% | 5,956 |
| Core capital (leverage) ratio | 4.3504% | 5,958 |
| Tier 1 risk-based capital ratio | 6.4984% | 5,957 |
| Total risk-based capital ratio | 7.3578% | 5,960 |
| Memoranda: | ||
| Average total assets | $85,275,750 | 4,663 |
| Average earning assets | $71,036,250 | 4,817 |
| Average equity | $3,825,750 | 5,723 |
| Average total loans | $49,804,750 | 4,619 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 1,446 |
| Cost of funding earning assets | 0.3394% | 3,697 |
| Net interest margin | 4.1873% | 1,146 |
| Noninterest income to average assets | 1.1843% | 802 |
| Noninterest expense to average assets | 5.1819% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.5032% | 5,922 |
| Return on assets (ROA) | -0.2902% | 5,886 |
| Pretax return on assets | -0.2902% | 5,876 |
| Return on Equity (ROE) | -6.4572% | 5,950 |
| Retained earnings to average equity (ytd only) | -6.4572% | 5,802 |
| Net charge-offs to loans | 0.1488% | 1,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -5.8108% | 3,631 |
| Efficiency ratio | 110.7554% | 141 |
| Assets per employee ($millions) | 2.5945% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 4,435 |
| Loan loss allowance to noncurrent loans | 39.3087% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 9.6216% | 50 |
| Noncurrent loans to loans | 2.5790% | 656 |
| Net loans and leases to total assets | 55.7650% | 4,340 |
| Net loans and leases to deposits | 58.6027% | 4,873 |
| Net loans and leases to core deposits | 60.2230% | 4,970 |
| Total domestic deposits to total assets | 95.1577% | 11 |
| Equity capital to assets | 4.4674% | 6,037 |
| Core capital (leverage) ratio | 4.4100% | 6,035 |
| Tier 1 risk-based capital ratio | 6.7463% | 6,034 |
| Total risk-based capital ratio | 7.6212% | 6,036 |
| Memoranda: | ||
| Average total assets | $85,452,000 | 4,701 |
| Average earning assets | $71,310,670 | 4,851 |
| Average equity | $3,840,670 | 5,787 |
| Average total loans | $49,720,330 | 4,658 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,318 |
| Cost of funding earning assets | 0.3427% | 3,684 |
| Net interest margin | 4.2357% | 1,023 |
| Noninterest income to average assets | 1.2136% | 734 |
| Noninterest expense to average assets | 5.1354% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3889% | 5,942 |
| Return on assets (ROA) | -0.3186% | 5,928 |
| Pretax return on assets | -0.3186% | 5,919 |
| Return on Equity (ROE) | -7.0677% | 6,003 |
| Retained earnings to average equity (ytd only) | -7.0677% | 5,720 |
| Net charge-offs to loans | 0.1030% | 1,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -6.3846% | 3,047 |
| Efficiency ratio | 108.1935% | 176 |
| Assets per employee ($millions) | 2.5507% | 5,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 4,348 |
| Loan loss allowance to noncurrent loans | 37.2279% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 9.8498% | 55 |
| Noncurrent loans to loans | 2.8130% | 613 |
| Net loans and leases to total assets | 57.5879% | 4,087 |
| Net loans and leases to deposits | 60.6023% | 4,672 |
| Net loans and leases to core deposits | 62.3091% | 4,798 |
| Total domestic deposits to total assets | 95.0258% | 12 |
| Equity capital to assets | 4.6238% | 6,095 |
| Core capital (leverage) ratio | 4.5539% | 6,093 |
| Tier 1 risk-based capital ratio | 6.8456% | 6,094 |
| Total risk-based capital ratio | 7.7635% | 6,096 |
| Memoranda: | ||
| Average total assets | $85,368,000 | 4,743 |
| Average earning assets | $71,204,500 | 4,895 |
| Average equity | $3,848,500 | 5,836 |
| Average total loans | $50,463,000 | 4,659 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 911 |
| Cost of funding earning assets | 0.3863% | 3,306 |
| Net interest margin | 4.4226% | 757 |
| Noninterest income to average assets | 1.8754% | 392 |
| Noninterest expense to average assets | 4.8359% | 315 |
| Loan and lease loss provision to assets | 0.4052% | 330 |
| Net operating income to assets | 0.3282% | 5,277 |
| Return on assets (ROA) | 0.3617% | 5,256 |
| Pretax return on assets | 0.3617% | 5,404 |
| Return on Equity (ROE) | 8.2175% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.2175% | 845 |
| Net charge-offs to loans | 0.7601% | 303 |
| Credit loss provision to net charge-offs | 88.5366% | 2,784 |
| Earnings coverage of net charge-offs (x) | 1.6024% | 4,060 |
| Efficiency ratio | 86.8310% | 922 |
| Assets per employee ($millions) | 2.5459% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 4,531 |
| Loan loss allowance to noncurrent loans | 33.7829% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 9.8900% | 56 |
| Noncurrent loans to loans | 2.9977% | 537 |
| Net loans and leases to total assets | 59.3944% | 3,917 |
| Net loans and leases to deposits | 62.2871% | 4,613 |
| Net loans and leases to core deposits | 65.0616% | 4,666 |
| Total domestic deposits to total assets | 95.3559% | 11 |
| Equity capital to assets | 4.3957% | 6,154 |
| Core capital (leverage) ratio | 4.5059% | 6,150 |
| Tier 1 risk-based capital ratio | 6.7074% | 6,151 |
| Total risk-based capital ratio | 7.6132% | 6,152 |
| Memoranda: | ||
| Average total assets | $89,580,400 | 4,684 |
| Average earning assets | $74,820,400 | 4,836 |
| Average equity | $3,942,800 | 5,859 |
| Average total loans | $53,939,600 | 4,558 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 913 |
| Cost of funding earning assets | 0.3964% | 3,257 |
| Net interest margin | 4.4134% | 771 |
| Noninterest income to average assets | 2.2464% | 304 |
| Noninterest expense to average assets | 4.7865% | 339 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1409% | 1,861 |
| Return on assets (ROA) | 1.1852% | 1,763 |
| Pretax return on assets | 1.1852% | 2,875 |
| Return on Equity (ROE) | 26.9191% | 83 |
| Retained earnings to average equity (ytd only) | 26.9191% | 34 |
| Net charge-offs to loans | 0.1127% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.8048% | 2,089 |
| Efficiency ratio | 80.7520% | 1,554 |
| Assets per employee ($millions) | 2.5743% | 5,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 5,005 |
| Loan loss allowance to noncurrent loans | 30.0228% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 9.9662% | 58 |
| Noncurrent loans to loans | 3.1422% | 538 |
| Net loans and leases to total assets | 63.1035% | 3,435 |
| Net loans and leases to deposits | 66.6884% | 4,310 |
| Net loans and leases to core deposits | 69.4262% | 4,422 |
| Total domestic deposits to total assets | 94.6245% | 22 |
| Equity capital to assets | 4.9597% | 6,229 |
| Core capital (leverage) ratio | 4.8097% | 6,230 |
| Tier 1 risk-based capital ratio | 6.9686% | 6,236 |
| Total risk-based capital ratio | 7.8068% | 6,241 |
| Memoranda: | ||
| Average total assets | $90,335,000 | 4,717 |
| Average earning assets | $75,343,750 | 4,882 |
| Average equity | $3,977,250 | 5,933 |
| Average total loans | $54,439,750 | 4,591 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 932 |
| Cost of funding earning assets | 0.4061% | 3,212 |
| Net interest margin | 4.3693% | 809 |
| Noninterest income to average assets | 2.2461% | 313 |
| Noninterest expense to average assets | 4.7989% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0781% | 2,017 |
| Return on assets (ROA) | 1.1110% | 1,991 |
| Pretax return on assets | 1.1110% | 3,125 |
| Return on Equity (ROE) | 26.2967% | 97 |
| Retained earnings to average equity (ytd only) | 26.2967% | 39 |
| Net charge-offs to loans | 0.1815% | 1,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 10.0408% | 2,396 |
| Efficiency ratio | 81.6555% | 1,534 |
| Assets per employee ($millions) | 2.7800% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 5,057 |
| Loan loss allowance to noncurrent loans | 28.3623% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 10.1887% | 65 |
| Noncurrent loans to loans | 3.3890% | 535 |
| Net loans and leases to total assets | 58.7406% | 4,013 |
| Net loans and leases to deposits | 61.6709% | 4,724 |
| Net loans and leases to core deposits | 63.7833% | 4,821 |
| Total domestic deposits to total assets | 95.2485% | 15 |
| Equity capital to assets | 4.2610% | 6,315 |
| Core capital (leverage) ratio | 4.4687% | 6,310 |
| Tier 1 risk-based capital ratio | 6.5347% | 6,316 |
| Total risk-based capital ratio | 7.3728% | 6,321 |
| Memoranda: | ||
| Average total assets | $91,271,330 | 4,743 |
| Average earning assets | $75,847,000 | 4,928 |
| Average equity | $3,856,000 | 6,014 |
| Average total loans | $54,000,330 | 4,645 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0891% | 490 |
| Cost of funding earning assets | 0.4254% | 3,009 |
| Net interest margin | 4.6637% | 445 |
| Noninterest income to average assets | 3.4799% | 188 |
| Noninterest expense to average assets | 4.8464% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.4869% | 159 |
| Return on assets (ROA) | 2.4869% | 171 |
| Pretax return on assets | 2.4869% | 249 |
| Return on Equity (ROE) | 59.1200% | 16 |
| Retained earnings to average equity (ytd only) | 59.1200% | 8 |
| Net charge-offs to loans | 0.3867% | 638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.8846% | 1,905 |
| Efficiency ratio | 66.0875% | 4,144 |
| Assets per employee ($millions) | 2.6841% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 5,202 |
| Loan loss allowance to noncurrent loans | 72.2222% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 9.0436% | 80 |
| Noncurrent loans to loans | 1.3296% | 2,164 |
| Net loans and leases to total assets | 58.7675% | 3,835 |
| Net loans and leases to deposits | 61.8684% | 4,581 |
| Net loans and leases to core deposits | 63.9999% | 4,695 |
| Total domestic deposits to total assets | 94.9878% | 16 |
| Equity capital to assets | 4.6166% | 6,385 |
| Core capital (leverage) ratio | 4.5636% | 6,380 |
| Tier 1 risk-based capital ratio | 6.7929% | 6,381 |
| Total risk-based capital ratio | 7.6467% | 6,384 |
| Memoranda: | ||
| Average total assets | $91,037,500 | 4,789 |
| Average earning assets | $75,220,000 | 4,982 |
| Average equity | $3,829,500 | 6,075 |
| Average total loans | $53,795,000 | 4,680 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 2,324 |
| Cost of funding earning assets | 0.4920% | 2,749 |
| Net interest margin | 3.8776% | 2,325 |
| Noninterest income to average assets | 0.3588% | 4,533 |
| Noninterest expense to average assets | 4.8925% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.4230% | 6,422 |
| Return on assets (ROA) | -1.4230% | 6,422 |
| Pretax return on assets | -1.4230% | 6,413 |
| Return on Equity (ROE) | -32.4652% | 6,472 |
| Retained earnings to average equity (ytd only) | -32.4652% | 6,465 |
| Net charge-offs to loans | 0.0622% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -38.4545% | 4,945 |
| Efficiency ratio | 141.0149% | 65 |
| Assets per employee ($millions) | 2.7653% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 4,689 |
| Loan loss allowance to noncurrent loans | 68.9157% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 12.0543% | 58 |
| Noncurrent loans to loans | 1.5531% | 1,886 |
| Net loans and leases to total assets | 57.9350% | 4,053 |
| Net loans and leases to deposits | 60.7106% | 4,838 |
| Net loans and leases to core deposits | 62.9913% | 4,921 |
| Total domestic deposits to total assets | 95.4281% | 17 |
| Equity capital to assets | 4.2552% | 6,474 |
| Core capital (leverage) ratio | 4.4761% | 6,471 |
| Tier 1 risk-based capital ratio | 6.3711% | 6,475 |
| Total risk-based capital ratio | 7.2661% | 6,479 |
| Memoranda: | ||
| Average total assets | $89,177,600 | 4,856 |
| Average earning assets | $71,540,000 | 5,091 |
| Average equity | $3,908,800 | 6,106 |
| Average total loans | $53,067,800 | 4,723 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 2,916 |
| Cost of funding earning assets | 0.5013% | 2,741 |
| Net interest margin | 3.7213% | 2,937 |
| Noninterest income to average assets | 0.2316% | 5,546 |
| Noninterest expense to average assets | 4.8876% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.6753% | 6,512 |
| Return on assets (ROA) | -1.6753% | 6,510 |
| Pretax return on assets | -1.6753% | 6,501 |
| Return on Equity (ROE) | -37.9363% | 6,554 |
| Retained earnings to average equity (ytd only) | -37.9363% | 6,551 |
| Net charge-offs to loans | 0.0227% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -123.7750% | 4,690 |
| Efficiency ratio | 152.1536% | 52 |
| Assets per employee ($millions) | 2.6081% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 4,726 |
| Loan loss allowance to noncurrent loans | 70.5325% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 12.4772% | 58 |
| Noncurrent loans to loans | 1.5657% | 2,078 |
| Net loans and leases to total assets | 60.1890% | 3,755 |
| Net loans and leases to deposits | 63.1786% | 4,616 |
| Net loans and leases to core deposits | 65.0473% | 4,794 |
| Total domestic deposits to total assets | 95.2681% | 26 |
| Equity capital to assets | 4.3835% | 6,540 |
| Core capital (leverage) ratio | 4.5903% | 6,541 |
| Tier 1 risk-based capital ratio | 6.6705% | 6,542 |
| Total risk-based capital ratio | 7.5616% | 6,549 |
| Memoranda: | ||
| Average total assets | $88,658,500 | 4,923 |
| Average earning assets | $71,012,000 | 5,158 |
| Average equity | $3,915,250 | 6,172 |
| Average total loans | $52,974,750 | 4,771 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 3,989 |
| Cost of funding earning assets | 0.4986% | 2,851 |
| Net interest margin | 3.4369% | 4,029 |
| Noninterest income to average assets | -1.1573% | 6,654 |
| Noninterest expense to average assets | 4.7940% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -3.1990% | 6,629 |
| Return on assets (ROA) | -3.1990% | 6,630 |
| Pretax return on assets | -3.1990% | 6,627 |
| Return on Equity (ROE) | -72.2609% | 6,643 |
| Retained earnings to average equity (ytd only) | -72.2609% | 6,638 |
| Net charge-offs to loans | 0.0380% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -141.8000% | 4,365 |
| Efficiency ratio | 300.5658% | 6 |
| Assets per employee ($millions) | 2.6357% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 4,783 |
| Loan loss allowance to noncurrent loans | 76.2821% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 12.3208% | 59 |
| Noncurrent loans to loans | 1.4779% | 2,347 |
| Net loans and leases to total assets | 58.2315% | 3,962 |
| Net loans and leases to deposits | 60.9436% | 4,788 |
| Net loans and leases to core deposits | 62.7207% | 4,916 |
| Total domestic deposits to total assets | 95.5498% | 24 |
| Equity capital to assets | 3.9436% | 6,615 |
| Core capital (leverage) ratio | 4.3481% | 6,607 |
| Tier 1 risk-based capital ratio | 6.3029% | 6,609 |
| Total risk-based capital ratio | 7.1881% | 6,616 |
| Memoranda: | ||
| Average total assets | $88,653,330 | 4,959 |
| Average earning assets | $70,993,670 | 5,202 |
| Average equity | $3,924,670 | 6,217 |
| Average total loans | $52,643,670 | 4,805 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3811% | 5,689 |
| Cost of funding earning assets | 0.5114% | 2,792 |
| Net interest margin | 2.8697% | 5,812 |
| Noninterest income to average assets | -3.3661% | 6,730 |
| Noninterest expense to average assets | 4.6318% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -5.7069% | 6,717 |
| Return on assets (ROA) | -5.7069% | 6,717 |
| Pretax return on assets | -5.7069% | 6,714 |
| Return on Equity (ROE) | -122.1359% | 6,720 |
| Retained earnings to average equity (ytd only) | -122.1359% | 6,718 |
| Net charge-offs to loans | 0.0837% | 2,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -114.3636% | 3,650 |
| Efficiency ratio | -430.8017% | 6,729 |
| Assets per employee ($millions) | 2.6671% | 6,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 5,044 |
| Loan loss allowance to noncurrent loans | 51.2069% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 12.8512% | 63 |
| Noncurrent loans to loans | 2.1827% | 1,671 |
| Net loans and leases to total assets | 59.7080% | 3,606 |
| Net loans and leases to deposits | 62.4467% | 4,499 |
| Net loans and leases to core deposits | 64.2579% | 4,671 |
| Total domestic deposits to total assets | 95.6144% | 25 |
| Equity capital to assets | 4.0470% | 6,672 |
| Core capital (leverage) ratio | 4.5535% | 6,658 |
| Tier 1 risk-based capital ratio | 6.5849% | 6,666 |
| Total risk-based capital ratio | 7.4893% | 6,671 |
| Memoranda: | ||
| Average total assets | $88,173,500 | 5,014 |
| Average earning assets | $70,390,500 | 5,264 |
| Average equity | $4,120,000 | 6,216 |
| Average total loans | $52,576,500 | 4,841 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 1,391 |
| Cost of funding earning assets | 0.5746% | 2,887 |
| Net interest margin | 4.1904% | 1,380 |
| Noninterest income to average assets | 1.3732% | 742 |
| Noninterest expense to average assets | 5.3326% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.6883% | 6,541 |
| Return on assets (ROA) | -0.6220% | 6,534 |
| Pretax return on assets | -0.6220% | 6,517 |
| Return on Equity (ROE) | -10.6941% | 6,592 |
| Retained earnings to average equity (ytd only) | -10.6941% | 6,548 |
| Net charge-offs to loans | 0.1457% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -7.9872% | 5,417 |
| Efficiency ratio | 114.8192% | 215 |
| Assets per employee ($millions) | 2.6767% | 6,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 4,845 |
| Loan loss allowance to noncurrent loans | 55.8118% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 14.1568% | 54 |
| Noncurrent loans to loans | 2.0843% | 1,900 |
| Net loans and leases to total assets | 58.1918% | 4,009 |
| Net loans and leases to deposits | 61.6013% | 4,765 |
| Net loans and leases to core deposits | 63.3607% | 4,932 |
| Total domestic deposits to total assets | 94.4652% | 62 |
| Equity capital to assets | 5.2959% | 6,669 |
| Core capital (leverage) ratio | 5.9388% | 6,656 |
| Tier 1 risk-based capital ratio | 8.6539% | 6,675 |
| Total risk-based capital ratio | 9.5921% | 6,687 |
| Memoranda: | ||
| Average total assets | $90,519,400 | 4,969 |
| Average earning assets | $70,661,400 | 5,293 |
| Average equity | $5,264,600 | 6,002 |
| Average total loans | $53,518,800 | 4,832 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 1,598 |
| Cost of funding earning assets | 0.5851% | 2,948 |
| Net interest margin | 4.1147% | 1,588 |
| Noninterest income to average assets | 1.2094% | 996 |
| Noninterest expense to average assets | 5.3586% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.9473% | 6,700 |
| Return on assets (ROA) | -0.9092% | 6,700 |
| Pretax return on assets | -0.9092% | 6,683 |
| Return on Equity (ROE) | -15.3011% | 6,733 |
| Retained earnings to average equity (ytd only) | -15.3011% | 6,706 |
| Net charge-offs to loans | 0.1880% | 2,719 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -8.5133% | 5,157 |
| Efficiency ratio | 121.4736% | 166 |
| Assets per employee ($millions) | 2.7206% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,059 |
| Loan loss allowance to noncurrent loans | 67.1460% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 14.2825% | 59 |
| Noncurrent loans to loans | 1.7311% | 2,599 |
| Net loans and leases to total assets | 57.4888% | 4,090 |
| Net loans and leases to deposits | 60.8290% | 4,889 |
| Net loans and leases to core deposits | 62.5541% | 5,058 |
| Total domestic deposits to total assets | 94.5089% | 51 |
| Equity capital to assets | 5.1837% | 6,759 |
| Core capital (leverage) ratio | 5.7657% | 6,739 |
| Tier 1 risk-based capital ratio | 8.4445% | 6,750 |
| Total risk-based capital ratio | 9.3276% | 6,764 |
| Memoranda: | ||
| Average total assets | $91,066,250 | 5,002 |
| Average earning assets | $70,866,750 | 5,343 |
| Average equity | $5,411,250 | 6,033 |
| Average total loans | $53,896,750 | 4,860 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 1,468 |
| Cost of funding earning assets | 0.5936% | 2,998 |
| Net interest margin | 4.1443% | 1,426 |
| Noninterest income to average assets | 1.2788% | 941 |
| Noninterest expense to average assets | 5.4167% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.9181% | 6,735 |
| Return on assets (ROA) | -0.8613% | 6,733 |
| Pretax return on assets | -0.8613% | 6,715 |
| Return on Equity (ROE) | -13.9132% | 6,787 |
| Retained earnings to average equity (ytd only) | -13.9132% | 6,741 |
| Net charge-offs to loans | 0.2791% | 2,090 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -5.5263% | 4,835 |
| Efficiency ratio | 120.4082% | 181 |
| Assets per employee ($millions) | 2.6818% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 5,353 |
| Loan loss allowance to noncurrent loans | 21.9645% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 16.4287% | 44 |
| Noncurrent loans to loans | 5.1146% | 615 |
| Net loans and leases to total assets | 58.4962% | 3,907 |
| Net loans and leases to deposits | 62.2875% | 4,699 |
| Net loans and leases to core deposits | 64.2332% | 4,866 |
| Total domestic deposits to total assets | 93.9133% | 64 |
| Equity capital to assets | 5.6678% | 6,771 |
| Core capital (leverage) ratio | 5.9022% | 6,763 |
| Tier 1 risk-based capital ratio | 8.6218% | 6,779 |
| Total risk-based capital ratio | 9.5114% | 6,797 |
| Memoranda: | ||
| Average total assets | $91,494,670 | 5,021 |
| Average earning assets | $71,086,330 | 5,362 |
| Average equity | $5,663,670 | 6,004 |
| Average total loans | $54,455,330 | 4,869 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 1,325 |
| Cost of funding earning assets | 0.6156% | 2,964 |
| Net interest margin | 4.1679% | 1,283 |
| Noninterest income to average assets | 1.8025% | 501 |
| Noninterest expense to average assets | 5.0278% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0044% | 6,348 |
| Return on assets (ROA) | 0.0175% | 6,393 |
| Pretax return on assets | 0.0175% | 6,382 |
| Return on Equity (ROE) | 0.2707% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.2707% | 5,701 |
| Net charge-offs to loans | -0.0073% | 5,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0869% | 540 |
| Assets per employee ($millions) | 2.6999% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 4,776 |
| Loan loss allowance to noncurrent loans | 110.3226% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 14.9451% | 74 |
| Noncurrent loans to loans | 1.1636% | 3,831 |
| Net loans and leases to total assets | 57.2977% | 3,867 |
| Net loans and leases to deposits | 61.4286% | 4,629 |
| Net loans and leases to core deposits | 62.9256% | 4,857 |
| Total domestic deposits to total assets | 93.2753% | 105 |
| Equity capital to assets | 6.3990% | 6,796 |
| Core capital (leverage) ratio | 6.3766% | 6,764 |
| Tier 1 risk-based capital ratio | 9.1530% | 6,797 |
| Total risk-based capital ratio | 10.0111% | 6,830 |
| Memoranda: | ||
| Average total assets | $91,651,000 | 5,061 |
| Average earning assets | $70,826,500 | 5,415 |
| Average equity | $5,911,500 | 6,008 |
| Average total loans | $54,711,000 | 4,895 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0561% | 1,415 |
| Cost of funding earning assets | 0.7866% | 2,767 |
| Net interest margin | 4.2694% | 1,474 |
| Noninterest income to average assets | 1.6235% | 601 |
| Noninterest expense to average assets | 5.5984% | 263 |
| Loan and lease loss provision to assets | 0.2231% | 2,894 |
| Net operating income to assets | -0.8936% | 6,709 |
| Return on assets (ROA) | -0.8235% | 6,704 |
| Pretax return on assets | -0.8235% | 6,682 |
| Return on Equity (ROE) | -12.0822% | 6,768 |
| Retained earnings to average equity (ytd only) | -12.0822% | 6,703 |
| Net charge-offs to loans | 0.9388% | 1,182 |
| Credit loss provision to net charge-offs | 38.7454% | 4,956 |
| Earnings coverage of net charge-offs (x) | -1.1642% | 5,771 |
| Efficiency ratio | 113.6050% | 285 |
| Assets per employee ($millions) | 2.4731% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 5,035 |
| Loan loss allowance to noncurrent loans | 84.4252% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 15.4329% | 75 |
| Noncurrent loans to loans | 1.4410% | 3,439 |
| Net loans and leases to total assets | 60.6059% | 3,495 |
| Net loans and leases to deposits | 65.0824% | 4,410 |
| Net loans and leases to core deposits | 66.2699% | 4,712 |
| Total domestic deposits to total assets | 93.1218% | 117 |
| Equity capital to assets | 6.5012% | 6,847 |
| Core capital (leverage) ratio | 6.3506% | 6,817 |
| Tier 1 risk-based capital ratio | 8.6227% | 6,883 |
| Total risk-based capital ratio | 9.4880% | 6,905 |
| Memoranda: | ||
| Average total assets | $94,116,200 | 4,983 |
| Average earning assets | $72,843,400 | 5,343 |
| Average equity | $6,414,400 | 5,911 |
| Average total loans | $57,731,000 | 4,808 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 1,701 |
| Cost of funding earning assets | 0.8200% | 2,774 |
| Net interest margin | 4.1782% | 1,804 |
| Noninterest income to average assets | 1.6981% | 537 |
| Noninterest expense to average assets | 5.5066% | 266 |
| Loan and lease loss provision to assets | 0.2954% | 2,226 |
| Net operating income to assets | -0.8638% | 6,822 |
| Return on assets (ROA) | -0.7682% | 6,825 |
| Pretax return on assets | -0.7682% | 6,799 |
| Return on Equity (ROE) | -11.1470% | 6,882 |
| Retained earnings to average equity (ytd only) | -11.1470% | 6,843 |
| Net charge-offs to loans | 1.0230% | 1,035 |
| Credit loss provision to net charge-offs | 47.0852% | 4,466 |
| Earnings coverage of net charge-offs (x) | -0.9058% | 5,564 |
| Efficiency ratio | 111.5100% | 280 |
| Assets per employee ($millions) | 2.5415% | 6,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 4,540 |
| Loan loss allowance to noncurrent loans | 21.4305% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 18.3300% | 50 |
| Noncurrent loans to loans | 6.3488% | 613 |
| Net loans and leases to total assets | 60.0572% | 3,775 |
| Net loans and leases to deposits | 64.6252% | 4,638 |
| Net loans and leases to core deposits | 65.7722% | 4,977 |
| Total domestic deposits to total assets | 92.9315% | 119 |
| Equity capital to assets | 6.5230% | 6,938 |
| Core capital (leverage) ratio | 6.4394% | 6,896 |
| Tier 1 risk-based capital ratio | 8.6903% | 6,968 |
| Total risk-based capital ratio | 9.6000% | 6,977 |
| Memoranda: | ||
| Average total assets | $94,768,750 | 5,019 |
| Average earning assets | $73,490,250 | 5,390 |
| Average equity | $6,530,750 | 5,952 |
| Average total loans | $58,128,500 | 4,837 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 1,848 |
| Cost of funding earning assets | 0.8583% | 2,736 |
| Net interest margin | 4.1202% | 2,010 |
| Noninterest income to average assets | 1.8755% | 436 |
| Noninterest expense to average assets | 5.1130% | 345 |
| Loan and lease loss provision to assets | 0.1684% | 3,422 |
| Net operating income to assets | -0.2126% | 6,560 |
| Return on assets (ROA) | -0.1705% | 6,596 |
| Pretax return on assets | -0.1705% | 6,571 |
| Return on Equity (ROE) | -2.4313% | 6,640 |
| Retained earnings to average equity (ytd only) | -2.4313% | 6,403 |
| Net charge-offs to loans | 0.6265% | 1,757 |
| Credit loss provision to net charge-offs | 43.7158% | 4,175 |
| Earnings coverage of net charge-offs (x) | -0.1148% | 5,131 |
| Efficiency ratio | 100.8721% | 529 |
| Assets per employee ($millions) | 2.5810% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 3,662 |
| Loan loss allowance to noncurrent loans | 22.4079% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 18.7254% | 54 |
| Noncurrent loans to loans | 7.0650% | 547 |
| Net loans and leases to total assets | 59.3700% | 3,932 |
| Net loans and leases to deposits | 64.2047% | 4,737 |
| Net loans and leases to core deposits | 65.5930% | 5,045 |
| Total domestic deposits to total assets | 92.4698% | 164 |
| Equity capital to assets | 6.9490% | 6,915 |
| Core capital (leverage) ratio | 6.8184% | 6,861 |
| Tier 1 risk-based capital ratio | 9.3318% | 6,947 |
| Total risk-based capital ratio | 10.2890% | 6,977 |
| Memoranda: | ||
| Average total assets | $95,012,670 | 5,034 |
| Average earning assets | $73,638,000 | 5,409 |
| Average equity | $6,663,000 | 5,944 |
| Average total loans | $58,419,670 | 4,856 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 1,847 |
| Cost of funding earning assets | 0.9079% | 2,628 |
| Net interest margin | 4.1048% | 2,070 |
| Noninterest income to average assets | 1.9415% | 430 |
| Noninterest expense to average assets | 4.9424% | 381 |
| Loan and lease loss provision to assets | 0.2532% | 2,424 |
| Net operating income to assets | -0.0675% | 6,502 |
| Return on assets (ROA) | -0.0675% | 6,593 |
| Pretax return on assets | -0.0675% | 6,581 |
| Return on Equity (ROE) | -0.9586% | 6,621 |
| Retained earnings to average equity (ytd only) | -0.9586% | 6,147 |
| Net charge-offs to loans | 0.9044% | 1,133 |
| Credit loss provision to net charge-offs | 45.1128% | 3,361 |
| Earnings coverage of net charge-offs (x) | 0.3308% | 4,203 |
| Efficiency ratio | 96.3786% | 701 |
| Assets per employee ($millions) | 2.4701% | 6,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 3,701 |
| Loan loss allowance to noncurrent loans | 26.0653% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 17.7518% | 68 |
| Noncurrent loans to loans | 6.1563% | 807 |
| Net loans and leases to total assets | 59.9601% | 3,677 |
| Net loans and leases to deposits | 64.7222% | 4,528 |
| Net loans and leases to core deposits | 66.1021% | 4,899 |
| Total domestic deposits to total assets | 92.6423% | 169 |
| Equity capital to assets | 6.9238% | 6,947 |
| Core capital (leverage) ratio | 6.9734% | 6,848 |
| Tier 1 risk-based capital ratio | 9.3091% | 6,993 |
| Total risk-based capital ratio | 10.2112% | 7,039 |
| Memoranda: | ||
| Average total assets | $94,771,000 | 5,077 |
| Average earning assets | $73,572,500 | 5,452 |
| Average equity | $6,676,500 | 5,971 |
| Average total loans | $58,825,500 | 4,864 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 1,872 |
| Cost of funding earning assets | 1.1548% | 2,319 |
| Net interest margin | 4.0956% | 2,443 |
| Noninterest income to average assets | 2.0217% | 370 |
| Noninterest expense to average assets | 5.4831% | 266 |
| Loan and lease loss provision to assets | 1.2496% | 677 |
| Net operating income to assets | -1.5191% | 6,911 |
| Return on assets (ROA) | -1.5191% | 6,934 |
| Pretax return on assets | -1.5170% | 6,900 |
| Return on Equity (ROE) | -19.8650% | 6,982 |
| Retained earnings to average equity (ytd only) | -19.8650% | 6,967 |
| Net charge-offs to loans | 1.6756% | 921 |
| Credit loss provision to net charge-offs | 113.1504% | 2,913 |
| Earnings coverage of net charge-offs (x) | -0.2422% | 5,980 |
| Efficiency ratio | 105.1282% | 534 |
| Assets per employee ($millions) | 2.2734% | 7,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 3,123 |
| Loan loss allowance to noncurrent loans | 25.3817% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 18.5832% | 67 |
| Noncurrent loans to loans | 6.7773% | 669 |
| Net loans and leases to total assets | 62.1545% | 3,575 |
| Net loans and leases to deposits | 67.3053% | 4,538 |
| Net loans and leases to core deposits | 68.7942% | 4,935 |
| Total domestic deposits to total assets | 92.3472% | 194 |
| Equity capital to assets | 7.1700% | 6,916 |
| Core capital (leverage) ratio | 6.9148% | 6,890 |
| Tier 1 risk-based capital ratio | 9.3103% | 6,991 |
| Total risk-based capital ratio | 10.2228% | 7,042 |
| Memoranda: | ||
| Average total assets | $95,712,800 | 5,024 |
| Average earning assets | $74,641,800 | 5,387 |
| Average equity | $7,319,400 | 5,766 |
| Average total loans | $63,083,200 | 4,748 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2528% | 2,020 |
| Cost of funding earning assets | 1.2110% | 2,249 |
| Net interest margin | 4.0418% | 2,726 |
| Noninterest income to average assets | 2.0829% | 357 |
| Noninterest expense to average assets | 5.6106% | 245 |
| Loan and lease loss provision to assets | 1.5999% | 409 |
| Net operating income to assets | -1.9708% | 7,132 |
| Return on assets (ROA) | -1.9708% | 7,144 |
| Pretax return on assets | -1.9680% | 7,117 |
| Return on Equity (ROE) | -25.3877% | 7,169 |
| Retained earnings to average equity (ytd only) | -25.3877% | 7,159 |
| Net charge-offs to loans | 0.9171% | 1,748 |
| Credit loss provision to net charge-offs | 262.1315% | 1,089 |
| Earnings coverage of net charge-offs (x) | -0.6032% | 5,863 |
| Efficiency ratio | 107.0222% | 485 |
| Assets per employee ($millions) | 2.2661% | 7,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6104% | 1,252 |
| Loan loss allowance to noncurrent loans | 33.4454% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 19.7226% | 56 |
| Noncurrent loans to loans | 7.8050% | 580 |
| Net loans and leases to total assets | 65.4851% | 3,007 |
| Net loans and leases to deposits | 71.1595% | 4,111 |
| Net loans and leases to core deposits | 72.4741% | 4,654 |
| Total domestic deposits to total assets | 92.0258% | 210 |
| Equity capital to assets | 7.4590% | 6,942 |
| Core capital (leverage) ratio | 7.0984% | 6,929 |
| Tier 1 risk-based capital ratio | 9.1744% | 7,095 |
| Total risk-based capital ratio | 10.1151% | 7,131 |
| Memoranda: | ||
| Average total assets | $96,339,000 | 5,024 |
| Average earning assets | $75,310,250 | 5,407 |
| Average equity | $7,478,500 | 5,755 |
| Average total loans | $64,117,250 | 4,744 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3671% | 1,663 |
| Cost of funding earning assets | 1.2635% | 2,160 |
| Net interest margin | 4.1036% | 2,394 |
| Noninterest income to average assets | 2.1478% | 332 |
| Noninterest expense to average assets | 5.4826% | 268 |
| Loan and lease loss provision to assets | 1.4251% | 508 |
| Net operating income to assets | -1.5371% | 7,104 |
| Return on assets (ROA) | -1.5371% | 7,123 |
| Pretax return on assets | -1.5330% | 7,085 |
| Return on Equity (ROE) | -19.5655% | 7,148 |
| Retained earnings to average equity (ytd only) | -19.5655% | 7,131 |
| Net charge-offs to loans | 1.1907% | 1,318 |
| Credit loss provision to net charge-offs | 180.4124% | 1,673 |
| Earnings coverage of net charge-offs (x) | -0.1366% | 5,371 |
| Efficiency ratio | 102.0076% | 663 |
| Assets per employee ($millions) | 2.3317% | 7,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9424% | 2,530 |
| Loan loss allowance to noncurrent loans | 23.5387% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 19.3452% | 70 |
| Noncurrent loans to loans | 8.2520% | 535 |
| Net loans and leases to total assets | 62.7333% | 3,730 |
| Net loans and leases to deposits | 68.4350% | 4,642 |
| Net loans and leases to core deposits | 69.8400% | 5,092 |
| Total domestic deposits to total assets | 91.6684% | 304 |
| Equity capital to assets | 7.6046% | 6,901 |
| Core capital (leverage) ratio | 7.4997% | 6,743 |
| Tier 1 risk-based capital ratio | 9.9661% | 6,989 |
| Total risk-based capital ratio | 10.9092% | 7,078 |
| Memoranda: | ||
| Average total assets | $98,238,000 | 5,013 |
| Average earning assets | $77,248,670 | 5,390 |
| Average equity | $7,717,670 | 5,697 |
| Average total loans | $65,173,670 | 4,750 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5328% | 1,214 |
| Cost of funding earning assets | 1.3427% | 1,930 |
| Net interest margin | 4.1901% | 1,923 |
| Noninterest income to average assets | 2.2701% | 308 |
| Noninterest expense to average assets | 4.7490% | 455 |
| Loan and lease loss provision to assets | 0.1607% | 4,024 |
| Net operating income to assets | 0.6790% | 3,615 |
| Return on assets (ROA) | 0.6790% | 3,681 |
| Pretax return on assets | 0.6830% | 4,369 |
| Return on Equity (ROE) | 8.5122% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.5122% | 1,551 |
| Net charge-offs to loans | 0.5954% | 2,006 |
| Credit loss provision to net charge-offs | 40.0000% | 3,945 |
| Earnings coverage of net charge-offs (x) | 2.1000% | 3,248 |
| Efficiency ratio | 84.9138% | 1,851 |
| Assets per employee ($millions) | 2.3503% | 7,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 5,446 |
| Loan loss allowance to noncurrent loans | 14.1717% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 18.9213% | 77 |
| Noncurrent loans to loans | 8.7461% | 525 |
| Net loans and leases to total assets | 65.9461% | 3,026 |
| Net loans and leases to deposits | 72.2220% | 4,041 |
| Net loans and leases to core deposits | 73.6494% | 4,572 |
| Total domestic deposits to total assets | 91.3102% | 480 |
| Equity capital to assets | 8.1721% | 6,315 |
| Core capital (leverage) ratio | 8.2547% | 5,894 |
| Tier 1 risk-based capital ratio | 10.6306% | 6,732 |
| Total risk-based capital ratio | 11.5665% | 6,882 |
| Memoranda: | ||
| Average total assets | $99,557,000 | 5,011 |
| Average earning assets | $78,948,000 | 5,391 |
| Average equity | $7,941,500 | 5,628 |
| Average total loans | $67,180,000 | 4,719 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1718% | 3,742 |
| Cost of funding earning assets | 1.7920% | 1,200 |
| Net interest margin | 3.3798% | 5,701 |
| Noninterest income to average assets | 1.6735% | 525 |
| Noninterest expense to average assets | 4.8191% | 487 |
| Loan and lease loss provision to assets | 1.7332% | 811 |
| Net operating income to assets | -2.2221% | 7,120 |
| Return on assets (ROA) | -2.1381% | 7,108 |
| Pretax return on assets | -2.1381% | 7,071 |
| Return on Equity (ROE) | -27.4767% | 7,182 |
| Retained earnings to average equity (ytd only) | -27.4767% | 7,169 |
| Net charge-offs to loans | 2.6897% | 676 |
| Credit loss provision to net charge-offs | 97.3795% | 4,764 |
| Earnings coverage of net charge-offs (x) | -0.2746% | 6,342 |
| Efficiency ratio | 111.2882% | 515 |
| Assets per employee ($millions) | 2.5100% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 5,107 |
| Loan loss allowance to noncurrent loans | 15.3281% | 6,978 |
| Noncurrent assets plus other real estate owned to assets | 17.5408% | 106 |
| Noncurrent loans to loans | 8.3498% | 599 |
| Net loans and leases to total assets | 67.2998% | 3,147 |
| Net loans and leases to deposits | 73.5413% | 4,271 |
| Net loans and leases to core deposits | 74.9517% | 4,856 |
| Total domestic deposits to total assets | 91.5129% | 395 |
| Equity capital to assets | 7.7849% | 6,683 |
| Core capital (leverage) ratio | 7.7057% | 6,540 |
| Tier 1 risk-based capital ratio | 10.2647% | 6,841 |
| Total risk-based capital ratio | 11.2244% | 6,978 |
| Memoranda: | ||
| Average total assets | $107,198,000 | 4,797 |
| Average earning assets | $84,265,400 | 5,204 |
| Average equity | $8,341,600 | 5,603 |
| Average total loans | $70,938,400 | 4,651 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 4,388 |
| Cost of funding earning assets | 1.8398% | 1,262 |
| Net interest margin | 3.2478% | 6,179 |
| Noninterest income to average assets | 1.4729% | 628 |
| Noninterest expense to average assets | 4.7468% | 470 |
| Loan and lease loss provision to assets | 1.8794% | 659 |
| Net operating income to assets | -2.6116% | 7,376 |
| Return on assets (ROA) | -2.5014% | 7,362 |
| Pretax return on assets | -2.5014% | 7,315 |
| Return on Equity (ROE) | -32.1484% | 7,416 |
| Retained earnings to average equity (ytd only) | -32.1484% | 7,410 |
| Net charge-offs to loans | 3.0779% | 489 |
| Credit loss provision to net charge-offs | 92.9177% | 4,663 |
| Earnings coverage of net charge-offs (x) | -0.3620% | 6,274 |
| Efficiency ratio | 118.2373% | 411 |
| Assets per employee ($millions) | 2.5536% | 7,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 5,636 |
| Loan loss allowance to noncurrent loans | 12.1526% | 7,144 |
| Noncurrent assets plus other real estate owned to assets | 17.3464% | 100 |
| Noncurrent loans to loans | 9.6116% | 465 |
| Net loans and leases to total assets | 65.3807% | 3,823 |
| Net loans and leases to deposits | 71.7207% | 4,877 |
| Net loans and leases to core deposits | 72.7776% | 5,428 |
| Total domestic deposits to total assets | 91.1601% | 392 |
| Equity capital to assets | 7.9602% | 6,831 |
| Core capital (leverage) ratio | 8.0020% | 6,341 |
| Tier 1 risk-based capital ratio | 10.4913% | 6,785 |
| Total risk-based capital ratio | 11.5121% | 6,913 |
| Memoranda: | ||
| Average total assets | $108,897,500 | 4,806 |
| Average earning assets | $85,224,750 | 5,223 |
| Average equity | $8,473,000 | 5,629 |
| Average total loans | $71,561,750 | 4,695 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 4,455 |
| Cost of funding earning assets | 1.9322% | 1,106 |
| Net interest margin | 3.1673% | 6,413 |
| Noninterest income to average assets | 1.4651% | 592 |
| Noninterest expense to average assets | 4.8360% | 427 |
| Loan and lease loss provision to assets | 1.9892% | 617 |
| Net operating income to assets | -2.9049% | 7,494 |
| Return on assets (ROA) | -2.7816% | 7,484 |
| Pretax return on assets | -2.7816% | 7,432 |
| Return on Equity (ROE) | -36.0122% | 7,497 |
| Retained earnings to average equity (ytd only) | -36.0122% | 7,487 |
| Net charge-offs to loans | 3.6970% | 377 |
| Credit loss provision to net charge-offs | 82.0494% | 4,653 |
| Earnings coverage of net charge-offs (x) | -0.3777% | 5,968 |
| Efficiency ratio | 123.3580% | 374 |
| Assets per employee ($millions) | 2.7926% | 6,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 6,388 |
| Loan loss allowance to noncurrent loans | 10.3532% | 7,255 |
| Noncurrent assets plus other real estate owned to assets | 17.0145% | 93 |
| Noncurrent loans to loans | 9.6809% | 467 |
| Net loans and leases to total assets | 62.2130% | 4,641 |
| Net loans and leases to deposits | 68.4701% | 5,494 |
| Net loans and leases to core deposits | 77.3714% | 5,042 |
| Total domestic deposits to total assets | 90.8615% | 544 |
| Equity capital to assets | 8.1175% | 6,634 |
| Core capital (leverage) ratio | 8.1266% | 6,072 |
| Tier 1 risk-based capital ratio | 10.7053% | 6,524 |
| Total risk-based capital ratio | 11.5377% | 6,828 |
| Memoranda: | ||
| Average total assets | $110,298,000 | 4,795 |
| Average earning assets | $85,497,670 | 5,256 |
| Average equity | $8,519,330 | 5,627 |
| Average total loans | $72,329,000 | 4,702 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 6,121 |
| Cost of funding earning assets | 1.9100% | 1,407 |
| Net interest margin | 2.8274% | 7,142 |
| Noninterest income to average assets | 1.5713% | 495 |
| Noninterest expense to average assets | 5.0743% | 348 |
| Loan and lease loss provision to assets | 3.5535% | 264 |
| Net operating income to assets | -4.7572% | 7,770 |
| Return on assets (ROA) | -4.5121% | 7,757 |
| Pretax return on assets | -4.5121% | 7,726 |
| Return on Equity (ROE) | -59.9151% | 7,743 |
| Retained earnings to average equity (ytd only) | -59.9151% | 7,735 |
| Net charge-offs to loans | 2.7305% | 587 |
| Credit loss provision to net charge-offs | 194.4773% | 1,906 |
| Earnings coverage of net charge-offs (x) | -0.6588% | 5,328 |
| Efficiency ratio | 131.0987% | 326 |
| Assets per employee ($millions) | 2.8661% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9279% | 2,368 |
| Loan loss allowance to noncurrent loans | 20.3358% | 6,987 |
| Noncurrent assets plus other real estate owned to assets | 15.4023% | 128 |
| Noncurrent loans to loans | 9.4805% | 467 |
| Net loans and leases to total assets | 65.6227% | 3,950 |
| Net loans and leases to deposits | 71.1891% | 5,167 |
| Net loans and leases to core deposits | 72.1740% | 5,695 |
| Total domestic deposits to total assets | 92.1808% | 211 |
| Equity capital to assets | 7.0956% | 7,329 |
| Core capital (leverage) ratio | 7.1862% | 7,115 |
| Tier 1 risk-based capital ratio | 9.4414% | 7,333 |
| Total risk-based capital ratio | 10.6970% | 7,328 |
| Memoranda: | ||
| Average total assets | $110,990,500 | 4,849 |
| Average earning assets | $90,260,500 | 5,158 |
| Average equity | $8,358,500 | 5,727 |
| Average total loans | $74,271,500 | 4,705 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 5,825 |
| Cost of funding earning assets | 2.4011% | 1,299 |
| Net interest margin | 2.7601% | 7,126 |
| Noninterest income to average assets | 0.8505% | 2,176 |
| Noninterest expense to average assets | 4.4558% | 832 |
| Loan and lease loss provision to assets | 1.0313% | 2,213 |
| Net operating income to assets | -1.9369% | 7,061 |
| Return on assets (ROA) | -2.0179% | 7,098 |
| Pretax return on assets | -2.3699% | 7,097 |
| Return on Equity (ROE) | -24.1835% | 7,270 |
| Retained earnings to average equity (ytd only) | -24.1835% | 7,243 |
| Net charge-offs to loans | 2.7365% | 823 |
| Credit loss provision to net charge-offs | 58.5111% | 6,663 |
| Earnings coverage of net charge-offs (x) | -0.7054% | 6,810 |
| Efficiency ratio | 138.7049% | 398 |
| Assets per employee ($millions) | 3.1408% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 5,219 |
| Loan loss allowance to noncurrent loans | 12.9131% | 7,312 |
| Noncurrent assets plus other real estate owned to assets | 14.2081% | 161 |
| Noncurrent loans to loans | 9.4771% | 452 |
| Net loans and leases to total assets | 66.1021% | 4,122 |
| Net loans and leases to deposits | 72.6346% | 5,242 |
| Net loans and leases to core deposits | 97.7121% | 4,255 |
| Total domestic deposits to total assets | 91.0064% | 530 |
| Equity capital to assets | 7.9500% | 6,629 |
| Core capital (leverage) ratio | 7.5758% | 6,714 |
| Tier 1 risk-based capital ratio | 10.6583% | 6,244 |
| Total risk-based capital ratio | 11.7480% | 6,377 |
| Memoranda: | ||
| Average total assets | $124,983,200 | 4,445 |
| Average earning assets | $106,951,200 | 4,656 |
| Average equity | $10,428,600 | 5,181 |
| Average total loans | $80,504,000 | 4,490 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 6,463 |
| Cost of funding earning assets | 2.4360% | 1,504 |
| Net interest margin | 2.6089% | 7,343 |
| Noninterest income to average assets | 0.8127% | 2,370 |
| Noninterest expense to average assets | 4.2824% | 932 |
| Loan and lease loss provision to assets | 1.1461% | 1,696 |
| Net operating income to assets | -2.0882% | 7,354 |
| Return on assets (ROA) | -2.2423% | 7,385 |
| Pretax return on assets | -2.5434% | 7,363 |
| Return on Equity (ROE) | -26.5955% | 7,540 |
| Retained earnings to average equity (ytd only) | -26.5955% | 7,524 |
| Net charge-offs to loans | 2.4182% | 762 |
| Credit loss provision to net charge-offs | 74.2240% | 5,899 |
| Earnings coverage of net charge-offs (x) | -0.7915% | 6,590 |
| Efficiency ratio | 139.9387% | 386 |
| Assets per employee ($millions) | 3.2281% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8743% | 2,091 |
| Loan loss allowance to noncurrent loans | 18.4068% | 7,177 |
| Noncurrent assets plus other real estate owned to assets | 13.7267% | 158 |
| Noncurrent loans to loans | 10.1828% | 384 |
| Net loans and leases to total assets | 62.2259% | 5,200 |
| Net loans and leases to deposits | 68.3483% | 6,102 |
| Net loans and leases to core deposits | 91.8753% | 5,243 |
| Total domestic deposits to total assets | 91.0423% | 404 |
| Equity capital to assets | 7.9688% | 6,876 |
| Core capital (leverage) ratio | 7.3232% | 7,169 |
| Tier 1 risk-based capital ratio | 10.7424% | 6,215 |
| Total risk-based capital ratio | 11.9971% | 6,173 |
| Memoranda: | ||
| Average total assets | $127,961,750 | 4,409 |
| Average earning assets | $110,234,000 | 4,585 |
| Average equity | $10,788,500 | 5,117 |
| Average total loans | $81,713,250 | 4,495 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 6,818 |
| Cost of funding earning assets | 2.4663% | 1,725 |
| Net interest margin | 2.5196% | 7,461 |
| Noninterest income to average assets | 0.8757% | 2,075 |
| Noninterest expense to average assets | 4.5172% | 769 |
| Loan and lease loss provision to assets | 1.1902% | 1,448 |
| Net operating income to assets | -1.4922% | 7,240 |
| Return on assets (ROA) | -1.5139% | 7,255 |
| Pretax return on assets | -2.6795% | 7,467 |
| Return on Equity (ROE) | -17.6518% | 7,447 |
| Retained earnings to average equity (ytd only) | -17.6518% | 7,382 |
| Net charge-offs to loans | 2.2982% | 775 |
| Credit loss provision to net charge-offs | 80.9224% | 5,174 |
| Earnings coverage of net charge-offs (x) | -0.9895% | 6,226 |
| Efficiency ratio | 147.5327% | 386 |
| Assets per employee ($millions) | 3.5507% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 1,452 |
| Loan loss allowance to noncurrent loans | 17.0348% | 7,281 |
| Noncurrent assets plus other real estate owned to assets | 12.4943% | 160 |
| Noncurrent loans to loans | 12.1063% | 220 |
| Net loans and leases to total assets | 58.3569% | 5,913 |
| Net loans and leases to deposits | 64.1293% | 6,550 |
| Net loans and leases to core deposits | 86.6186% | 5,842 |
| Total domestic deposits to total assets | 90.9987% | 451 |
| Equity capital to assets | 7.9022% | 6,861 |
| Core capital (leverage) ratio | 7.9601% | 6,402 |
| Tier 1 risk-based capital ratio | 11.7517% | 5,148 |
| Total risk-based capital ratio | 13.0093% | 5,059 |
| Memoranda: | ||
| Average total assets | $129,727,000 | 4,397 |
| Average earning assets | $112,556,000 | 4,552 |
| Average equity | $11,126,330 | 5,047 |
| Average total loans | $83,021,670 | 4,497 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 6,160 |
| Cost of funding earning assets | 2.5949% | 1,583 |
| Net interest margin | 2.6455% | 7,303 |
| Noninterest income to average assets | 0.8653% | 2,012 |
| Noninterest expense to average assets | 4.3987% | 786 |
| Loan and lease loss provision to assets | 2.0861% | 568 |
| Net operating income to assets | -1.8942% | 7,630 |
| Return on assets (ROA) | -1.8942% | 7,632 |
| Pretax return on assets | -3.3163% | 7,812 |
| Return on Equity (ROE) | -21.2000% | 7,781 |
| Retained earnings to average equity (ytd only) | -21.2000% | 7,681 |
| Net charge-offs to loans | 1.7834% | 813 |
| Credit loss provision to net charge-offs | 176.3298% | 2,450 |
| Earnings coverage of net charge-offs (x) | -1.0399% | 5,366 |
| Efficiency ratio | 138.8282% | 420 |
| Assets per employee ($millions) | 3.0037% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5665% | 716 |
| Loan loss allowance to noncurrent loans | 19.1363% | 7,216 |
| Noncurrent assets plus other real estate owned to assets | 12.5859% | 132 |
| Noncurrent loans to loans | 13.4118% | 134 |
| Net loans and leases to total assets | 59.7394% | 5,701 |
| Net loans and leases to deposits | 65.8705% | 6,388 |
| Net loans and leases to core deposits | 89.5797% | 5,596 |
| Total domestic deposits to total assets | 90.6923% | 521 |
| Equity capital to assets | 8.1913% | 6,545 |
| Core capital (leverage) ratio | 8.5641% | 5,404 |
| Tier 1 risk-based capital ratio | 12.0122% | 4,954 |
| Total risk-based capital ratio | 13.2750% | 4,830 |
| Memoranda: | ||
| Average total assets | $127,128,000 | 4,460 |
| Average earning assets | $110,677,000 | 4,620 |
| Average equity | $11,358,500 | 5,012 |
| Average total loans | $84,334,500 | 4,483 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7166% | 1,968 |
| Cost of funding earning assets | 3.0546% | 1,664 |
| Net interest margin | 3.6621% | 4,634 |
| Noninterest income to average assets | 0.9757% | 1,672 |
| Noninterest expense to average assets | 4.2511% | 1,099 |
| Loan and lease loss provision to assets | 1.5131% | 887 |
| Net operating income to assets | -0.7977% | 7,133 |
| Return on assets (ROA) | -0.7977% | 7,035 |
| Pretax return on assets | -1.5107% | 7,257 |
| Return on Equity (ROE) | -8.1560% | 7,135 |
| Retained earnings to average equity (ytd only) | -8.1560% | 6,899 |
| Net charge-offs to loans | 1.2895% | 928 |
| Credit loss provision to net charge-offs | 156.2242% | 3,334 |
| Earnings coverage of net charge-offs (x) | 0.0025% | 6,243 |
| Efficiency ratio | 99.9437% | 988 |
| Assets per employee ($millions) | 2.5338% | 7,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1447% | 1,007 |
| Loan loss allowance to noncurrent loans | 14.9642% | 7,393 |
| Noncurrent assets plus other real estate owned to assets | 13.2439% | 80 |
| Noncurrent loans to loans | 14.3320% | 77 |
| Net loans and leases to total assets | 70.4969% | 3,907 |
| Net loans and leases to deposits | 84.4124% | 4,355 |
| Net loans and leases to core deposits | 111.0165% | 3,682 |
| Total domestic deposits to total assets | 83.5149% | 3,567 |
| Equity capital to assets | 9.7784% | 4,323 |
| Core capital (leverage) ratio | 9.6597% | 3,816 |
| Tier 1 risk-based capital ratio | 12.5852% | 4,386 |
| Total risk-based capital ratio | 13.8449% | 4,282 |
| Memoranda: | ||
| Average total assets | $125,238,400 | 4,391 |
| Average earning assets | $112,094,600 | 4,467 |
| Average equity | $12,248,600 | 4,767 |
| Average total loans | $94,069,400 | 4,105 |