Home > Flagship Bank > Performance and Condition Ratios
Flagship Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3892% | 2,326 |
| Cost of funding earning assets | 1.9737% | 2,002 |
| Net interest margin | 3.4155% | 2,529 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 2.2202% | 3,063 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 0.9790% | 2,330 |
| Return on assets (ROA) | 0.9790% | 2,331 |
| Pretax return on assets | 1.2746% | 2,043 |
| Return on Equity (ROE) | 7.6900% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.6880% | 1,782 |
| Net charge-offs to loans | -0.0008% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 61.9585% | 2,715 |
| Assets per employee ($millions) | 9.1163% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 3,300 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 76.6000% | 1,009 |
| Net loans and leases to deposits | 88.1408% | 1,292 |
| Net loans and leases to core deposits | 98.1465% | 1,494 |
| Total domestic deposits to total assets | 86.9000% | 1,967 |
| Equity capital to assets | 12.4822% | 1,059 |
| Core capital (leverage) ratio | 11.5632% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $672,545,000 | 1,401 |
| Average earning assets | $645,287,000 | 1,363 |
| Average equity | $85,640,000 | 1,176 |
| Average total loans | $530,594,000 | 1,259 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6410% | 1,858 |
| Cost of funding earning assets | 2.2102% | 1,712 |
| Net interest margin | 3.4308% | 2,223 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 2.2511% | 2,991 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 0.8633% | 2,507 |
| Return on assets (ROA) | 0.8633% | 2,512 |
| Pretax return on assets | 1.1245% | 2,173 |
| Return on Equity (ROE) | 7.0900% | 2,993 |
| Retained earnings to average equity (ytd only) | 7.0924% | 1,401 |
| Net charge-offs to loans | 0.0092% | 2,566 |
| Credit loss provision to net charge-offs | 1,178.7234% | 354 |
| Earnings coverage of net charge-offs (x) | 168.1489% | 570 |
| Efficiency ratio | 64.9705% | 2,604 |
| Assets per employee ($millions) | 8.5823% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 3,353 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 79.7400% | 685 |
| Net loans and leases to deposits | 93.1589% | 930 |
| Net loans and leases to core deposits | 102.6459% | 1,292 |
| Total domestic deposits to total assets | 85.5900% | 2,340 |
| Equity capital to assets | 13.0009% | 888 |
| Core capital (leverage) ratio | 11.6071% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $651,134,000 | 1,428 |
| Average earning assets | $625,106,000 | 1,380 |
| Average equity | $79,253,600 | 1,209 |
| Average total loans | $509,333,000 | 1,276 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 46,221.0000% | 21 |
| Cost of funding earning assets | 404.0000% | 13 |
| Net interest margin | 0.0000% | 4,479 |
| Noninterest income to average assets | 0.0000% | 4,470 |
| Noninterest expense to average assets | 0.0000% | 4,496 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 0.8272% | 2,621 |
| Pretax return on assets | 1.0945% | 2,261 |
| Return on Equity (ROE) | 6.9100% | 3,065 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 3.0000% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 6,050.0000% | 25 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 7.4773% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2,299.0000% | 16 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 0.0000% | 4,481 |
| Equity capital to assets | 161,412.0000% | 13 |
| Core capital (leverage) ratio | 0.0000% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $690,000 | 4,515 |
| Average earning assets | $4,286 | 4,509 |
| Average equity | $0 | 4,479 |
| Average total loans | NA | NA |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5796% | 1,817 |
| Cost of funding earning assets | 2.2904% | 1,465 |
| Net interest margin | 3.2892% | 2,432 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 2.2630% | 2,892 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 0.7401% | 2,822 |
| Return on assets (ROA) | 0.7401% | 2,837 |
| Pretax return on assets | 0.9670% | 2,573 |
| Return on Equity (ROE) | 6.3000% | 3,199 |
| Retained earnings to average equity (ytd only) | 6.3035% | 1,900 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 68.0148% | 2,332 |
| Assets per employee ($millions) | 9.1527% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,460 |
| Loan loss allowance to noncurrent loans | 9,836.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 3,746 |
| Noncurrent loans to loans | 0.0098% | 3,721 |
| Net loans and leases to total assets | 76.7800% | 1,074 |
| Net loans and leases to deposits | 88.0675% | 1,476 |
| Net loans and leases to core deposits | 96.2548% | 1,719 |
| Total domestic deposits to total assets | 87.1900% | 1,581 |
| Equity capital to assets | 12.3562% | 1,049 |
| Core capital (leverage) ratio | 11.1866% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $647,988,000 | 1,423 |
| Average earning assets | $621,730,333 | 1,380 |
| Average equity | $76,085,000 | 1,238 |
| Average total loans | $501,554,667 | 1,285 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5242% | 1,771 |
| Cost of funding earning assets | 2.3757% | 1,202 |
| Net interest margin | 3.1485% | 2,673 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 2.2419% | 2,951 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 0.6394% | 3,042 |
| Return on assets (ROA) | 0.6394% | 3,064 |
| Pretax return on assets | 0.8293% | 2,854 |
| Return on Equity (ROE) | 5.6000% | 3,323 |
| Retained earnings to average equity (ytd only) | 5.5957% | 2,235 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.1539% | 2,136 |
| Assets per employee ($millions) | 9.1801% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 3,534 |
| Loan loss allowance to noncurrent loans | 9,640.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,767 |
| Noncurrent loans to loans | 0.0098% | 3,722 |
| Net loans and leases to total assets | 77.3300% | 917 |
| Net loans and leases to deposits | 88.6445% | 1,303 |
| Net loans and leases to core deposits | 97.4666% | 1,561 |
| Total domestic deposits to total assets | 87.2400% | 1,690 |
| Equity capital to assets | 12.2683% | 1,053 |
| Core capital (leverage) ratio | 11.1455% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $642,483,500 | 1,440 |
| Average earning assets | $616,416,000 | 1,392 |
| Average equity | $73,414,000 | 1,269 |
| Average total loans | $496,873,000 | 1,290 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 1,538 |
| Cost of funding earning assets | 1.8557% | 1,154 |
| Net interest margin | 3.4154% | 2,374 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.2314% | 3,037 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.8394% | 2,745 |
| Return on assets (ROA) | 0.8394% | 2,723 |
| Pretax return on assets | 1.0974% | 2,414 |
| Return on Equity (ROE) | 7.6700% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.6696% | 1,648 |
| Net charge-offs to loans | 0.0065% | 2,452 |
| Credit loss provision to net charge-offs | 1,863.3333% | 241 |
| Earnings coverage of net charge-offs (x) | 233.3000% | 528 |
| Efficiency ratio | 65.1687% | 2,457 |
| Assets per employee ($millions) | 8.7942% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 3,524 |
| Loan loss allowance to noncurrent loans | 9,240.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,740 |
| Noncurrent loans to loans | 0.0103% | 3,687 |
| Net loans and leases to total assets | 75.8500% | 1,139 |
| Net loans and leases to deposits | 85.5187% | 1,649 |
| Net loans and leases to core deposits | 94.2084% | 1,757 |
| Total domestic deposits to total assets | 88.7000% | 1,156 |
| Equity capital to assets | 10.5602% | 1,703 |
| Core capital (leverage) ratio | 9.5877% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $586,850,600 | 1,507 |
| Average earning assets | $561,363,800 | 1,464 |
| Average equity | $64,227,600 | 1,328 |
| Average total loans | $463,469,800 | 1,317 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2059% | 1,441 |
| Cost of funding earning assets | 1.6991% | 1,191 |
| Net interest margin | 3.5068% | 2,194 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.2577% | 2,925 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.8569% | 2,838 |
| Return on assets (ROA) | 0.8569% | 2,821 |
| Pretax return on assets | 1.1283% | 2,484 |
| Return on Equity (ROE) | 7.7500% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.7542% | 2,052 |
| Net charge-offs to loans | 0.0087% | 2,085 |
| Credit loss provision to net charge-offs | 1,670.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 178.9667% | 649 |
| Efficiency ratio | 64.4672% | 2,442 |
| Assets per employee ($millions) | 8.3184% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,578 |
| Loan loss allowance to noncurrent loans | 1,118.1373% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,146 |
| Noncurrent loans to loans | 0.0845% | 3,158 |
| Net loans and leases to total assets | 80.9700% | 542 |
| Net loans and leases to deposits | 92.3564% | 1,022 |
| Net loans and leases to core deposits | 101.6632% | 1,233 |
| Total domestic deposits to total assets | 87.6700% | 1,675 |
| Equity capital to assets | 11.0922% | 1,311 |
| Core capital (leverage) ratio | 9.6972% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $575,267,750 | 1,541 |
| Average earning assets | $549,852,000 | 1,493 |
| Average equity | $63,568,250 | 1,330 |
| Average total loans | $458,111,250 | 1,322 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 1,376 |
| Cost of funding earning assets | 1.5049% | 1,232 |
| Net interest margin | 3.5937% | 2,053 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.2569% | 2,930 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.8717% | 2,841 |
| Return on assets (ROA) | 0.8717% | 2,838 |
| Pretax return on assets | 1.1593% | 2,475 |
| Return on Equity (ROE) | 7.9000% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.8988% | 1,994 |
| Net charge-offs to loans | 0.0138% | 1,673 |
| Credit loss provision to net charge-offs | 1,461.2903% | 324 |
| Earnings coverage of net charge-offs (x) | 121.2258% | 843 |
| Efficiency ratio | 63.1279% | 2,579 |
| Assets per employee ($millions) | 8.4856% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 3,576 |
| Loan loss allowance to noncurrent loans | 1,106.1275% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,065 |
| Noncurrent loans to loans | 0.0867% | 3,071 |
| Net loans and leases to total assets | 80.7400% | 551 |
| Net loans and leases to deposits | 91.2458% | 1,083 |
| Net loans and leases to core deposits | 99.8887% | 1,247 |
| Total domestic deposits to total assets | 88.4900% | 1,431 |
| Equity capital to assets | 11.1282% | 1,333 |
| Core capital (leverage) ratio | 9.6397% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $570,155,333 | 1,555 |
| Average earning assets | $544,626,000 | 1,513 |
| Average equity | $62,920,667 | 1,339 |
| Average total loans | $449,896,667 | 1,324 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 1,348 |
| Cost of funding earning assets | 1.3026% | 1,226 |
| Net interest margin | 3.6367% | 2,042 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.2551% | 2,942 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.8837% | 2,907 |
| Return on assets (ROA) | 0.8837% | 2,862 |
| Pretax return on assets | 1.1505% | 2,566 |
| Return on Equity (ROE) | 8.0400% | 3,279 |
| Retained earnings to average equity (ytd only) | 8.0418% | 2,205 |
| Net charge-offs to loans | 0.0018% | 1,974 |
| Credit loss provision to net charge-offs | 14,250.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 957.5000% | 109 |
| Efficiency ratio | 62.5245% | 2,630 |
| Assets per employee ($millions) | 8.8529% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,577 |
| Loan loss allowance to noncurrent loans | 844.5946% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 2,909 |
| Noncurrent loans to loans | 0.1166% | 2,934 |
| Net loans and leases to total assets | 76.4800% | 928 |
| Net loans and leases to deposits | 86.3004% | 1,328 |
| Net loans and leases to core deposits | 91.8841% | 1,505 |
| Total domestic deposits to total assets | 88.6200% | 1,694 |
| Equity capital to assets | 10.9402% | 1,365 |
| Core capital (leverage) ratio | 9.6840% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $566,722,000 | 1,583 |
| Average earning assets | $541,363,500 | 1,534 |
| Average equity | $62,275,000 | 1,359 |
| Average total loans | $439,643,000 | 1,351 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 1,125 |
| Cost of funding earning assets | 0.4628% | 1,631 |
| Net interest margin | 3.8036% | 1,156 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.4581% | 2,247 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 0.7284% | 3,536 |
| Return on assets (ROA) | 0.7284% | 3,482 |
| Pretax return on assets | 0.9477% | 3,226 |
| Return on Equity (ROE) | 6.3200% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.3223% | 2,522 |
| Net charge-offs to loans | 0.0003% | 2,607 |
| Credit loss provision to net charge-offs | 124,900.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 5,969.0000% | 23 |
| Efficiency ratio | 67.2249% | 2,056 |
| Assets per employee ($millions) | 7.9715% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 3,627 |
| Loan loss allowance to noncurrent loans | 899.3407% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 2,986 |
| Noncurrent loans to loans | 0.1046% | 3,025 |
| Net loans and leases to total assets | 77.1900% | 878 |
| Net loans and leases to deposits | 87.1294% | 1,236 |
| Net loans and leases to core deposits | 91.4973% | 1,425 |
| Total domestic deposits to total assets | 88.6000% | 1,845 |
| Equity capital to assets | 11.0386% | 1,240 |
| Core capital (leverage) ratio | 10.0704% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $498,069,600 | 1,721 |
| Average earning assets | $461,058,200 | 1,728 |
| Average equity | $57,384,400 | 1,455 |
| Average total loans | $387,160,000 | 1,438 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 1,012 |
| Cost of funding earning assets | 0.2607% | 2,595 |
| Net interest margin | 3.8671% | 855 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.4773% | 2,077 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 0.6839% | 3,606 |
| Return on assets (ROA) | 0.6839% | 3,568 |
| Pretax return on assets | 0.9204% | 3,257 |
| Return on Equity (ROE) | 5.8700% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.8651% | 2,799 |
| Net charge-offs to loans | 0.0004% | 2,337 |
| Credit loss provision to net charge-offs | 104,100.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 4,376.0000% | 26 |
| Efficiency ratio | 67.2259% | 2,131 |
| Assets per employee ($millions) | 7.2066% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 3,726 |
| Loan loss allowance to noncurrent loans | 853.6264% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 3,035 |
| Noncurrent loans to loans | 0.1104% | 3,102 |
| Net loans and leases to total assets | 80.9500% | 450 |
| Net loans and leases to deposits | 93.2318% | 682 |
| Net loans and leases to core deposits | 94.2500% | 1,078 |
| Total domestic deposits to total assets | 86.8300% | 2,820 |
| Equity capital to assets | 11.5709% | 979 |
| Core capital (leverage) ratio | 9.9220% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $483,085,250 | 1,773 |
| Average earning assets | $442,871,500 | 1,789 |
| Average equity | $56,331,500 | 1,493 |
| Average total loans | $375,239,250 | 1,463 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 989 |
| Cost of funding earning assets | 0.1736% | 3,267 |
| Net interest margin | 3.7944% | 760 |
| Noninterest income to average assets | 0.1467% | 4,284 |
| Noninterest expense to average assets | 2.5153% | 1,883 |
| Loan and lease loss provision to assets | 0.3887% | 148 |
| Net operating income to assets | 0.5227% | 3,837 |
| Return on assets (ROA) | 0.5227% | 3,789 |
| Pretax return on assets | 0.7043% | 3,562 |
| Return on Equity (ROE) | 4.4707% | 3,921 |
| Retained earnings to average equity (ytd only) | 4.4707% | 2,902 |
| Net charge-offs to loans | 0.0006% | 2,141 |
| Credit loss provision to net charge-offs | 92,500.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 2,601.0000% | 33 |
| Efficiency ratio | 69.7100% | 2,001 |
| Assets per employee ($millions) | 7.0025% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 3,848 |
| Loan loss allowance to noncurrent loans | 824.5077% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,085 |
| Noncurrent loans to loans | 0.1135% | 3,174 |
| Net loans and leases to total assets | 79.1320% | 471 |
| Net loans and leases to deposits | 89.9055% | 730 |
| Net loans and leases to core deposits | 90.8515% | 1,070 |
| Total domestic deposits to total assets | 88.0169% | 2,568 |
| Equity capital to assets | 11.3649% | 1,076 |
| Core capital (leverage) ratio | 9.9322% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $475,959,000 | 1,805 |
| Average earning assets | $434,219,333 | 1,830 |
| Average equity | $55,651,667 | 1,530 |
| Average total loans | $362,905,333 | 1,492 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0032% | 769 |
| Cost of funding earning assets | 0.1487% | 3,520 |
| Net interest margin | 3.8545% | 561 |
| Noninterest income to average assets | 0.1394% | 4,320 |
| Noninterest expense to average assets | 2.5532% | 1,741 |
| Loan and lease loss provision to assets | 0.5136% | 92 |
| Net operating income to assets | 0.4599% | 3,817 |
| Return on assets (ROA) | 0.4599% | 3,778 |
| Pretax return on assets | 0.6193% | 3,584 |
| Return on Equity (ROE) | 3.8740% | 3,911 |
| Retained earnings to average equity (ytd only) | 3.8740% | 2,983 |
| Net charge-offs to loans | 0.0012% | 1,798 |
| Credit loss provision to net charge-offs | 59,300.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,308.0000% | 59 |
| Efficiency ratio | 69.2669% | 2,332 |
| Assets per employee ($millions) | 7.2861% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 3,967 |
| Loan loss allowance to noncurrent loans | 729.5117% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 3,119 |
| Noncurrent loans to loans | 0.1271% | 3,181 |
| Net loans and leases to total assets | 76.3225% | 486 |
| Net loans and leases to deposits | 86.7051% | 694 |
| Net loans and leases to core deposits | 87.6610% | 1,044 |
| Total domestic deposits to total assets | 88.0253% | 2,514 |
| Equity capital to assets | 11.7742% | 1,030 |
| Core capital (leverage) ratio | 10.5227% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $461,847,000 | 1,853 |
| Average earning assets | $424,962,000 | 1,871 |
| Average equity | $54,827,500 | 1,603 |
| Average total loans | $342,989,000 | 1,543 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5838% | 2,431 |
| Cost of funding earning assets | 0.2450% | 2,995 |
| Net interest margin | 3.3388% | 2,214 |
| Noninterest income to average assets | 0.1442% | 4,436 |
| Noninterest expense to average assets | 2.6003% | 1,870 |
| Loan and lease loss provision to assets | 0.2389% | 406 |
| Net operating income to assets | 0.2745% | 4,454 |
| Return on assets (ROA) | 0.2745% | 4,476 |
| Pretax return on assets | 0.3534% | 4,437 |
| Return on Equity (ROE) | 2.3682% | 4,458 |
| Retained earnings to average equity (ytd only) | 2.3682% | 3,867 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4458% | 725 |
| Assets per employee ($millions) | 6.9189% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 4,061 |
| Loan loss allowance to noncurrent loans | 565.4076% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 3,138 |
| Noncurrent loans to loans | 0.1594% | 3,138 |
| Net loans and leases to total assets | 70.6117% | 971 |
| Net loans and leases to deposits | 80.3743% | 1,185 |
| Net loans and leases to core deposits | 81.4170% | 1,498 |
| Total domestic deposits to total assets | 87.8535% | 2,124 |
| Equity capital to assets | 11.9769% | 1,259 |
| Core capital (leverage) ratio | 10.4317% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,996,600 | 2,062 |
| Average earning assets | $346,948,800 | 2,097 |
| Average equity | $44,041,400 | 1,949 |
| Average total loans | $257,195,200 | 1,893 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 2,523 |
| Cost of funding earning assets | 0.2730% | 2,862 |
| Net interest margin | 3.3394% | 2,308 |
| Noninterest income to average assets | 0.1482% | 4,454 |
| Noninterest expense to average assets | 2.6227% | 1,778 |
| Loan and lease loss provision to assets | 0.1814% | 591 |
| Net operating income to assets | 0.3118% | 4,503 |
| Return on assets (ROA) | 0.3118% | 4,527 |
| Pretax return on assets | 0.4154% | 4,478 |
| Return on Equity (ROE) | 2.7181% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.7181% | 3,997 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4596% | 670 |
| Assets per employee ($millions) | 6.3112% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 4,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.7119% | 1,921 |
| Net loans and leases to deposits | 72.1941% | 2,034 |
| Net loans and leases to core deposits | 73.1948% | 2,302 |
| Total domestic deposits to total assets | 86.8657% | 2,403 |
| Equity capital to assets | 12.8720% | 1,027 |
| Core capital (leverage) ratio | 10.9208% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,292,750 | 2,151 |
| Average earning assets | $335,066,000 | 2,180 |
| Average equity | $41,793,000 | 2,049 |
| Average total loans | $242,613,750 | 2,005 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4179% | 3,126 |
| Cost of funding earning assets | 0.3129% | 2,652 |
| Net interest margin | 3.1050% | 3,020 |
| Noninterest income to average assets | 0.1553% | 4,419 |
| Noninterest expense to average assets | 2.6024% | 1,841 |
| Loan and lease loss provision to assets | 0.1748% | 660 |
| Net operating income to assets | 0.2092% | 4,624 |
| Return on assets (ROA) | 0.2092% | 4,640 |
| Pretax return on assets | 0.2785% | 4,608 |
| Return on Equity (ROE) | 1.9149% | 4,604 |
| Retained earnings to average equity (ytd only) | 1.9149% | 4,135 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1650% | 506 |
| Assets per employee ($millions) | 6.1677% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 4,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 65.0519% | 1,822 |
| Net loans and leases to deposits | 73.2386% | 2,074 |
| Net loans and leases to core deposits | 74.3389% | 2,377 |
| Total domestic deposits to total assets | 88.8218% | 1,373 |
| Equity capital to assets | 10.9681% | 2,004 |
| Core capital (leverage) ratio | 9.4224% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,982,000 | 2,207 |
| Average earning assets | $325,993,000 | 2,217 |
| Average equity | $38,122,667 | 2,170 |
| Average total loans | $236,921,000 | 2,055 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6217% | 2,575 |
| Cost of funding earning assets | 0.3719% | 2,338 |
| Net interest margin | 3.2498% | 2,549 |
| Noninterest income to average assets | 0.1729% | 4,328 |
| Noninterest expense to average assets | 2.6274% | 1,810 |
| Loan and lease loss provision to assets | 0.1312% | 1,044 |
| Net operating income to assets | 0.3312% | 4,477 |
| Return on assets (ROA) | 0.3312% | 4,513 |
| Pretax return on assets | 0.4367% | 4,436 |
| Return on Equity (ROE) | 3.0391% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.0391% | 3,769 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2265% | 694 |
| Assets per employee ($millions) | 6.1898% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 4,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 66.0157% | 1,802 |
| Net loans and leases to deposits | 74.4645% | 2,075 |
| Net loans and leases to core deposits | 76.0843% | 2,349 |
| Total domestic deposits to total assets | 88.6540% | 1,536 |
| Equity capital to assets | 11.1051% | 1,783 |
| Core capital (leverage) ratio | 11.6897% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,106,000 | 2,311 |
| Average earning assets | $303,280,500 | 2,307 |
| Average equity | $35,536,500 | 2,282 |
| Average total loans | $225,870,000 | 2,119 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 2,171 |
| Cost of funding earning assets | 0.4781% | 3,097 |
| Net interest margin | 3.7092% | 1,769 |
| Noninterest income to average assets | 0.1575% | 4,506 |
| Noninterest expense to average assets | 3.3590% | 836 |
| Loan and lease loss provision to assets | 0.7838% | 163 |
| Net operating income to assets | -0.4398% | 4,870 |
| Return on assets (ROA) | -0.4398% | 4,881 |
| Pretax return on assets | -0.5798% | 4,888 |
| Return on Equity (ROE) | -3.2087% | 4,872 |
| Retained earnings to average equity (ytd only) | -3.2087% | 4,773 |
| Net charge-offs to loans | 0.0065% | 3,114 |
| Credit loss provision to net charge-offs | 16,736.3636% | 62 |
| Earnings coverage of net charge-offs (x) | 43.5455% | 1,318 |
| Efficiency ratio | 94.2765% | 263 |
| Assets per employee ($millions) | 5.3463% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 71.7602% | 1,319 |
| Net loans and leases to deposits | 84.2500% | 1,429 |
| Net loans and leases to core deposits | 87.0989% | 1,785 |
| Total domestic deposits to total assets | 85.1753% | 2,692 |
| Equity capital to assets | 10.6522% | 2,560 |
| Core capital (leverage) ratio | 8.7904% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,889,400 | 2,684 |
| Average earning assets | $215,653,600 | 2,703 |
| Average equity | $32,194,200 | 2,381 |
| Average total loans | $169,059,600 | 2,493 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 3,373 |
| Cost of funding earning assets | 0.4917% | 3,277 |
| Net interest margin | 3.3732% | 2,994 |
| Noninterest income to average assets | 0.1511% | 4,543 |
| Noninterest expense to average assets | 3.2204% | 1,038 |
| Loan and lease loss provision to assets | 0.7757% | 246 |
| Net operating income to assets | -0.5772% | 4,908 |
| Return on assets (ROA) | -0.5772% | 4,911 |
| Pretax return on assets | -0.7637% | 4,921 |
| Return on Equity (ROE) | -3.9128% | 4,901 |
| Retained earnings to average equity (ytd only) | -3.9128% | 4,815 |
| Net charge-offs to loans | 0.0093% | 2,773 |
| Credit loss provision to net charge-offs | 11,572.7273% | 106 |
| Earnings coverage of net charge-offs (x) | 1.8182% | 3,043 |
| Efficiency ratio | 99.6229% | 177 |
| Assets per employee ($millions) | 5.8765% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 4,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.0690% | 1,084 |
| Net loans and leases to deposits | 108.9126% | 251 |
| Net loans and leases to core deposits | 113.7365% | 568 |
| Total domestic deposits to total assets | 69.8441% | 4,762 |
| Equity capital to assets | 10.6544% | 2,671 |
| Core capital (leverage) ratio | 10.2796% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,763,500 | 2,788 |
| Average earning assets | $199,845,500 | 2,810 |
| Average equity | $32,269,750 | 2,358 |
| Average total loans | $157,129,250 | 2,598 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 3,872 |
| Cost of funding earning assets | 0.5432% | 3,275 |
| Net interest margin | 3.2492% | 3,528 |
| Noninterest income to average assets | 0.1773% | 4,405 |
| Noninterest expense to average assets | 3.4028% | 845 |
| Loan and lease loss provision to assets | 0.7602% | 334 |
| Net operating income to assets | -0.7727% | 4,943 |
| Return on assets (ROA) | -0.7727% | 4,940 |
| Pretax return on assets | -1.0355% | 4,951 |
| Return on Equity (ROE) | -4.5765% | 4,921 |
| Retained earnings to average equity (ytd only) | -4.5765% | 4,754 |
| Net charge-offs to loans | 0.0165% | 2,402 |
| Credit loss provision to net charge-offs | 6,627.2727% | 179 |
| Earnings coverage of net charge-offs (x) | -24.0000% | 3,004 |
| Efficiency ratio | 108.8029% | 120 |
| Assets per employee ($millions) | 4.8435% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4163% | 4,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 76.7839% | 1,023 |
| Net loans and leases to deposits | 112.9119% | 175 |
| Net loans and leases to core deposits | 116.7342% | 508 |
| Total domestic deposits to total assets | 68.0034% | 4,840 |
| Equity capital to assets | 12.5011% | 1,376 |
| Core capital (leverage) ratio | 10.0352% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,785,000 | 2,969 |
| Average earning assets | $174,137,667 | 3,013 |
| Average equity | $32,382,667 | 2,343 |
| Average total loans | $133,057,000 | 2,825 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 3,034 |
| Cost of funding earning assets | 0.7088% | 2,897 |
| Net interest margin | 3.5522% | 2,814 |
| Noninterest income to average assets | 0.2435% | 4,103 |
| Noninterest expense to average assets | 4.0722% | 470 |
| Loan and lease loss provision to assets | 0.8913% | 261 |
| Net operating income to assets | -1.1775% | 5,006 |
| Return on assets (ROA) | -1.1775% | 4,988 |
| Pretax return on assets | -1.5490% | 4,998 |
| Return on Equity (ROE) | -5.7673% | 4,939 |
| Retained earnings to average equity (ytd only) | -5.7673% | 4,571 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.2647% | 108 |
| Assets per employee ($millions) | 3.2080% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4090% | 4,941 |
| Loan loss allowance to noncurrent loans | 127.3481% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 3,585 |
| Noncurrent loans to loans | 0.3211% | 3,341 |
| Net loans and leases to total assets | 68.6179% | 2,449 |
| Net loans and leases to deposits | 86.0598% | 1,993 |
| Net loans and leases to core deposits | 92.0190% | 2,153 |
| Total domestic deposits to total assets | 79.7328% | 3,903 |
| Equity capital to assets | 19.7465% | 257 |
| Core capital (leverage) ratio | 15.3873% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,325,000 | 3,221 |
| Average earning assets | $142,221,500 | 3,277 |
| Average equity | $32,528,500 | 2,328 |
| Average total loans | $100,619,500 | 3,217 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1154% | 5,163 |
| Cost of funding earning assets | 0.1735% | 5,011 |
| Net interest margin | 0.9420% | 5,159 |
| Noninterest income to average assets | 0.0557% | 5,025 |
| Noninterest expense to average assets | 0.8037% | 5,140 |
| Loan and lease loss provision to assets | 0.0843% | 2,319 |
| Net operating income to assets | 0.0175% | 4,964 |
| Return on assets (ROA) | 0.0175% | 4,984 |
| Pretax return on assets | 0.0398% | 4,964 |
| Return on Equity (ROE) | 0.1119% | 4,988 |
| Retained earnings to average equity (ytd only) | 0.1119% | 4,656 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6324% | 510 |
| Assets per employee ($millions) | 4.1903% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1198% | 5,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 57.0217% | 3,848 |
| Net loans and leases to deposits | 72.6655% | 3,461 |
| Net loans and leases to core deposits | 82.6914% | 3,069 |
| Total domestic deposits to total assets | 78.4715% | 4,283 |
| Equity capital to assets | 21.1234% | 208 |
| Core capital (leverage) ratio | 19.7010% | 250 |
| Tier 1 risk-based capital ratio | 23.0451% | 911 |
| Total risk-based capital ratio | 23.1647% | 1,013 |
| Memoranda: | ||
| Average total assets | $125,786,000 | 3,620 |
| Average earning assets | $116,455,400 | 3,615 |
| Average equity | $19,661,000 | 3,164 |
| Average total loans | $89,437,800 | 3,406 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 1,150 |
| Cost of funding earning assets | 1.3144% | 752 |
| Net interest margin | 3.8370% | 2,480 |
| Noninterest income to average assets | 0.1868% | 4,603 |
| Noninterest expense to average assets | 3.1557% | 1,567 |
| Loan and lease loss provision to assets | 0.0563% | 2,781 |
| Net operating income to assets | 0.4063% | 4,713 |
| Return on assets (ROA) | 0.4063% | 4,740 |
| Pretax return on assets | 0.5560% | 4,615 |
| Return on Equity (ROE) | 2.9369% | 4,774 |
| Retained earnings to average equity (ytd only) | 2.9369% | 3,915 |
| Net charge-offs to loans | 0.2052% | 855 |
| Credit loss provision to net charge-offs | 36.2319% | 2,875 |
| Earnings coverage of net charge-offs (x) | 3.9420% | 3,061 |
| Efficiency ratio | 83.7515% | 630 |
| Assets per employee ($millions) | 4.4527% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 71.6743% | 2,225 |
| Net loans and leases to deposits | 84.1724% | 2,434 |
| Net loans and leases to core deposits | 98.2686% | 1,804 |
| Total domestic deposits to total assets | 85.1517% | 2,368 |
| Equity capital to assets | 14.3533% | 1,023 |
| Core capital (leverage) ratio | 13.9505% | 999 |
| Tier 1 risk-based capital ratio | 18.5297% | 1,679 |
| Total risk-based capital ratio | 19.4743% | 1,720 |
| Memoranda: | ||
| Average total assets | $118,472,250 | 3,767 |
| Average earning assets | $110,570,500 | 3,742 |
| Average equity | $16,388,750 | 3,533 |
| Average total loans | $89,669,000 | 3,447 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 1,135 |
| Cost of funding earning assets | 1.3190% | 697 |
| Net interest margin | 3.8172% | 2,530 |
| Noninterest income to average assets | 0.2094% | 4,486 |
| Noninterest expense to average assets | 3.1314% | 1,658 |
| Loan and lease loss provision to assets | 0.0921% | 2,008 |
| Net operating income to assets | 0.3703% | 4,775 |
| Return on assets (ROA) | 0.3703% | 4,795 |
| Pretax return on assets | 0.5060% | 4,690 |
| Return on Equity (ROE) | 2.7096% | 4,836 |
| Retained earnings to average equity (ytd only) | 2.7096% | 3,844 |
| Net charge-offs to loans | 0.1572% | 1,003 |
| Credit loss provision to net charge-offs | 76.3889% | 2,259 |
| Earnings coverage of net charge-offs (x) | 4.9583% | 2,698 |
| Efficiency ratio | 83.9623% | 654 |
| Assets per employee ($millions) | 4.6506% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 3,615 |
| Loan loss allowance to noncurrent loans | 413.1818% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 3,853 |
| Noncurrent loans to loans | 0.2421% | 3,671 |
| Net loans and leases to total assets | 74.3928% | 1,828 |
| Net loans and leases to deposits | 86.2932% | 2,221 |
| Net loans and leases to core deposits | 101.3429% | 1,610 |
| Total domestic deposits to total assets | 86.2093% | 1,931 |
| Equity capital to assets | 13.6162% | 1,274 |
| Core capital (leverage) ratio | 13.5435% | 1,096 |
| Tier 1 risk-based capital ratio | 16.8736% | 2,125 |
| Total risk-based capital ratio | 17.8152% | 2,167 |
| Memoranda: | ||
| Average total assets | $119,372,670 | 3,775 |
| Average earning assets | $110,082,000 | 3,771 |
| Average equity | $16,312,670 | 3,536 |
| Average total loans | $91,620,000 | 3,421 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 1,837 |
| Cost of funding earning assets | 1.2105% | 877 |
| Net interest margin | 3.6141% | 3,205 |
| Noninterest income to average assets | 0.1821% | 4,663 |
| Noninterest expense to average assets | 2.9477% | 2,141 |
| Loan and lease loss provision to assets | 0.2260% | 684 |
| Net operating income to assets | 0.3676% | 4,799 |
| Return on assets (ROA) | 0.3676% | 4,808 |
| Pretax return on assets | 0.5025% | 4,675 |
| Return on Equity (ROE) | 2.6852% | 4,853 |
| Retained earnings to average equity (ytd only) | 2.6852% | 3,860 |
| Net charge-offs to loans | 0.3435% | 451 |
| Credit loss provision to net charge-offs | 84.8101% | 1,749 |
| Earnings coverage of net charge-offs (x) | 2.7342% | 2,465 |
| Efficiency ratio | 80.1835% | 1,048 |
| Assets per employee ($millions) | 4.6928% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,704 |
| Loan loss allowance to noncurrent loans | 269.6165% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 3,496 |
| Noncurrent loans to loans | 0.3710% | 3,257 |
| Net loans and leases to total assets | 74.1382% | 1,775 |
| Net loans and leases to deposits | 85.9762% | 2,134 |
| Net loans and leases to core deposits | 100.7215% | 1,552 |
| Total domestic deposits to total assets | 86.2311% | 2,168 |
| Equity capital to assets | 13.3649% | 1,264 |
| Core capital (leverage) ratio | 14.0180% | 951 |
| Tier 1 risk-based capital ratio | 17.1450% | 2,068 |
| Total risk-based capital ratio | 18.1077% | 2,102 |
| Memoranda: | ||
| Average total assets | $118,601,500 | 3,828 |
| Average earning assets | $114,663,500 | 3,736 |
| Average equity | $16,237,000 | 3,556 |
| Average total loans | $91,999,500 | 3,451 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 1,676 |
| Cost of funding earning assets | 0.8655% | 1,241 |
| Net interest margin | 3.8856% | 2,376 |
| Noninterest income to average assets | 0.9221% | 1,125 |
| Noninterest expense to average assets | 2.8662% | 2,463 |
| Loan and lease loss provision to assets | -0.0777% | 5,241 |
| Net operating income to assets | 1.3947% | 1,447 |
| Return on assets (ROA) | 1.3947% | 1,443 |
| Pretax return on assets | 1.8838% | 750 |
| Return on Equity (ROE) | 11.1790% | 2,013 |
| Retained earnings to average equity (ytd only) | 11.1790% | 406 |
| Net charge-offs to loans | -0.0612% | 5,032 |
| Credit loss provision to net charge-offs | 162.0690% | 1,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3439% | 3,646 |
| Assets per employee ($millions) | 4.4303% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,696 |
| Loan loss allowance to noncurrent loans | 404.3668% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 3,833 |
| Noncurrent loans to loans | 0.2472% | 3,698 |
| Net loans and leases to total assets | 79.6083% | 995 |
| Net loans and leases to deposits | 93.0927% | 1,390 |
| Net loans and leases to core deposits | 98.9405% | 1,795 |
| Total domestic deposits to total assets | 85.5151% | 2,433 |
| Equity capital to assets | 14.0352% | 962 |
| Core capital (leverage) ratio | 14.2040% | 870 |
| Tier 1 risk-based capital ratio | 17.0572% | 2,045 |
| Total risk-based capital ratio | 18.0355% | 2,086 |
| Memoranda: | ||
| Average total assets | $121,030,200 | 3,773 |
| Average earning assets | $116,817,000 | 3,707 |
| Average equity | $15,099,800 | 3,630 |
| Average total loans | $94,818,600 | 3,391 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 1,617 |
| Cost of funding earning assets | 0.8283% | 1,202 |
| Net interest margin | 3.8925% | 2,333 |
| Noninterest income to average assets | 0.2003% | 4,772 |
| Noninterest expense to average assets | 2.8061% | 2,616 |
| Loan and lease loss provision to assets | -0.1067% | 5,355 |
| Net operating income to assets | 0.9263% | 3,402 |
| Return on assets (ROA) | 0.9263% | 3,411 |
| Pretax return on assets | 1.2605% | 2,768 |
| Return on Equity (ROE) | 7.6494% | 3,685 |
| Retained earnings to average equity (ytd only) | 7.6494% | 1,822 |
| Net charge-offs to loans | -0.0755% | 5,077 |
| Credit loss provision to net charge-offs | 181.4815% | 1,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8631% | 2,062 |
| Assets per employee ($millions) | 4.5540% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,760 |
| Loan loss allowance to noncurrent loans | 395.6897% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 3,965 |
| Noncurrent loans to loans | 0.2527% | 3,784 |
| Net loans and leases to total assets | 76.7508% | 1,546 |
| Net loans and leases to deposits | 89.2665% | 1,986 |
| Net loans and leases to core deposits | 96.2588% | 2,090 |
| Total domestic deposits to total assets | 85.9794% | 2,203 |
| Equity capital to assets | 12.9143% | 1,370 |
| Core capital (leverage) ratio | 12.4115% | 1,549 |
| Tier 1 risk-based capital ratio | 16.0284% | 2,440 |
| Total risk-based capital ratio | 16.9902% | 2,488 |
| Memoranda: | ||
| Average total assets | $122,490,500 | 3,791 |
| Average earning assets | $118,310,000 | 3,713 |
| Average equity | $14,833,000 | 3,686 |
| Average total loans | $95,366,750 | 3,415 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6524% | 1,638 |
| Cost of funding earning assets | 0.7916% | 1,163 |
| Net interest margin | 3.8609% | 2,343 |
| Noninterest income to average assets | 0.1712% | 4,968 |
| Noninterest expense to average assets | 2.7565% | 2,821 |
| Loan and lease loss provision to assets | -0.0533% | 5,383 |
| Net operating income to assets | 0.8849% | 3,529 |
| Return on assets (ROA) | 0.8849% | 3,530 |
| Pretax return on assets | 1.1934% | 2,966 |
| Return on Equity (ROE) | 7.4658% | 3,740 |
| Retained earnings to average equity (ytd only) | 7.4658% | 1,857 |
| Net charge-offs to loans | -0.0269% | 4,704 |
| Credit loss provision to net charge-offs | 253.8462% | 1,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7418% | 2,204 |
| Assets per employee ($millions) | 4.8518% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,845 |
| Loan loss allowance to noncurrent loans | 337.9928% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 3,896 |
| Noncurrent loans to loans | 0.2957% | 3,635 |
| Net loans and leases to total assets | 74.0448% | 1,939 |
| Net loans and leases to deposits | 84.3091% | 2,501 |
| Net loans and leases to core deposits | 89.3606% | 2,619 |
| Total domestic deposits to total assets | 87.8254% | 1,462 |
| Equity capital to assets | 11.8678% | 1,946 |
| Core capital (leverage) ratio | 12.3077% | 1,536 |
| Tier 1 risk-based capital ratio | 15.3389% | 2,711 |
| Total risk-based capital ratio | 16.3121% | 2,772 |
| Memoranda: | ||
| Average total assets | $123,852,670 | 3,794 |
| Average earning assets | $119,507,000 | 3,720 |
| Average equity | $14,680,330 | 3,719 |
| Average total loans | $96,557,670 | 3,401 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 1,701 |
| Cost of funding earning assets | 0.7581% | 1,146 |
| Net interest margin | 3.7972% | 2,435 |
| Noninterest income to average assets | 0.1923% | 4,869 |
| Noninterest expense to average assets | 2.7709% | 2,800 |
| Loan and lease loss provision to assets | 0.0619% | 2,539 |
| Net operating income to assets | 0.7530% | 3,899 |
| Return on assets (ROA) | 0.7530% | 3,900 |
| Pretax return on assets | 1.0171% | 3,475 |
| Return on Equity (ROE) | 6.3571% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.3571% | 2,562 |
| Net charge-offs to loans | -0.0369% | 4,834 |
| Credit loss provision to net charge-offs | -211.1111% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9729% | 2,199 |
| Assets per employee ($millions) | 4.6663% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 3,954 |
| Loan loss allowance to noncurrent loans | 187.6894% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 3,101 |
| Noncurrent loans to loans | 0.5330% | 2,926 |
| Net loans and leases to total assets | 80.8305% | 817 |
| Net loans and leases to deposits | 92.1976% | 1,430 |
| Net loans and leases to core deposits | 96.6406% | 1,929 |
| Total domestic deposits to total assets | 87.6709% | 1,804 |
| Equity capital to assets | 12.0711% | 1,730 |
| Core capital (leverage) ratio | 12.0020% | 1,650 |
| Tier 1 risk-based capital ratio | 14.5765% | 3,081 |
| Total risk-based capital ratio | 15.5689% | 3,131 |
| Memoranda: | ||
| Average total assets | $122,705,000 | 3,857 |
| Average earning assets | $118,193,000 | 3,775 |
| Average equity | $14,535,000 | 3,770 |
| Average total loans | $97,662,000 | 3,403 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 1,372 |
| Cost of funding earning assets | 0.6471% | 1,313 |
| Net interest margin | 3.9723% | 1,836 |
| Noninterest income to average assets | 0.5733% | 2,585 |
| Noninterest expense to average assets | 2.8437% | 2,633 |
| Loan and lease loss provision to assets | -0.1748% | 5,563 |
| Net operating income to assets | 0.9776% | 2,336 |
| Return on assets (ROA) | 0.9776% | 2,377 |
| Pretax return on assets | 1.6971% | 1,014 |
| Return on Equity (ROE) | 8.3940% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.3940% | 647 |
| Net charge-offs to loans | -0.2277% | 5,535 |
| Credit loss provision to net charge-offs | 95.8525% | 2,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1328% | 3,417 |
| Assets per employee ($millions) | 4.7726% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,945 |
| Loan loss allowance to noncurrent loans | 182.3864% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 3,158 |
| Noncurrent loans to loans | 0.5485% | 2,857 |
| Net loans and leases to total assets | 76.8042% | 1,462 |
| Net loans and leases to deposits | 87.0913% | 2,119 |
| Net loans and leases to core deposits | 93.7183% | 2,218 |
| Total domestic deposits to total assets | 88.1881% | 1,400 |
| Equity capital to assets | 11.6249% | 2,101 |
| Core capital (leverage) ratio | 11.6369% | 1,842 |
| Tier 1 risk-based capital ratio | 14.5221% | 3,079 |
| Total risk-based capital ratio | 15.5004% | 3,119 |
| Memoranda: | ||
| Average total assets | $118,966,000 | 3,913 |
| Average earning assets | $113,587,200 | 3,848 |
| Average equity | $13,855,200 | 3,860 |
| Average total loans | $95,313,600 | 3,428 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 1,352 |
| Cost of funding earning assets | 0.6078% | 1,479 |
| Net interest margin | 3.9988% | 1,708 |
| Noninterest income to average assets | 0.3240% | 4,221 |
| Noninterest expense to average assets | 2.8799% | 2,472 |
| Loan and lease loss provision to assets | -0.1858% | 5,645 |
| Net operating income to assets | 0.8905% | 3,073 |
| Return on assets (ROA) | 0.8905% | 3,125 |
| Pretax return on assets | 1.4388% | 1,974 |
| Return on Equity (ROE) | 7.6423% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.6423% | 1,375 |
| Net charge-offs to loans | -0.2566% | 5,584 |
| Credit loss provision to net charge-offs | 89.6175% | 2,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6820% | 2,585 |
| Assets per employee ($millions) | 4.9786% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 4,052 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 3,249 |
| Noncurrent loans to loans | 0.5717% | 2,984 |
| Net loans and leases to total assets | 77.3529% | 1,373 |
| Net loans and leases to deposits | 87.4976% | 2,128 |
| Net loans and leases to core deposits | 95.5717% | 2,124 |
| Total domestic deposits to total assets | 88.4057% | 1,169 |
| Equity capital to assets | 11.3051% | 2,570 |
| Core capital (leverage) ratio | 11.4558% | 2,053 |
| Tier 1 risk-based capital ratio | 13.2289% | 3,864 |
| Total risk-based capital ratio | 14.1853% | 3,965 |
| Memoranda: | ||
| Average total assets | $117,685,750 | 3,967 |
| Average earning assets | $112,098,000 | 3,922 |
| Average equity | $13,712,750 | 3,923 |
| Average total loans | $95,075,250 | 3,463 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 1,212 |
| Cost of funding earning assets | 0.5848% | 1,544 |
| Net interest margin | 4.0372% | 1,494 |
| Noninterest income to average assets | 0.3968% | 3,711 |
| Noninterest expense to average assets | 2.9560% | 2,248 |
| Loan and lease loss provision to assets | -0.5337% | 5,762 |
| Net operating income to assets | 1.1245% | 1,876 |
| Return on assets (ROA) | 1.1245% | 1,927 |
| Pretax return on assets | 1.8142% | 813 |
| Return on Equity (ROE) | 9.5488% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.5488% | 692 |
| Net charge-offs to loans | -0.7122% | 5,718 |
| Credit loss provision to net charge-offs | 91.6667% | 2,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7751% | 2,709 |
| Assets per employee ($millions) | 4.5480% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 4,153 |
| Loan loss allowance to noncurrent loans | 176.6187% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 3,132 |
| Noncurrent loans to loans | 0.5657% | 3,040 |
| Net loans and leases to total assets | 85.5726% | 305 |
| Net loans and leases to deposits | 98.1588% | 882 |
| Net loans and leases to core deposits | 106.3798% | 1,201 |
| Total domestic deposits to total assets | 87.1777% | 1,864 |
| Equity capital to assets | 12.2427% | 1,764 |
| Core capital (leverage) ratio | 11.5001% | 1,971 |
| Tier 1 risk-based capital ratio | 12.9624% | 4,018 |
| Total risk-based capital ratio | 13.9390% | 4,100 |
| Memoranda: | ||
| Average total assets | $115,425,670 | 4,036 |
| Average earning assets | $109,778,330 | 3,980 |
| Average equity | $13,593,330 | 3,950 |
| Average total loans | $94,350,000 | 3,486 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 1,741 |
| Cost of funding earning assets | 0.5760% | 1,535 |
| Net interest margin | 3.7968% | 2,122 |
| Noninterest income to average assets | 0.5744% | 2,539 |
| Noninterest expense to average assets | 2.9857% | 2,199 |
| Loan and lease loss provision to assets | -1.2005% | 5,848 |
| Net operating income to assets | 1.4860% | 837 |
| Return on assets (ROA) | 1.4860% | 865 |
| Pretax return on assets | 2.3940% | 258 |
| Return on Equity (ROE) | 12.8667% | 1,025 |
| Retained earnings to average equity (ytd only) | 12.8667% | 387 |
| Net charge-offs to loans | -1.4288% | 5,793 |
| Credit loss provision to net charge-offs | 105.7576% | 1,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4403% | 2,675 |
| Assets per employee ($millions) | 4.7993% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 4,226 |
| Loan loss allowance to noncurrent loans | 174.7664% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 3,410 |
| Noncurrent loans to loans | 0.5774% | 3,076 |
| Net loans and leases to total assets | 76.4465% | 1,334 |
| Net loans and leases to deposits | 86.6585% | 1,961 |
| Net loans and leases to core deposits | 96.1900% | 1,805 |
| Total domestic deposits to total assets | 88.2157% | 1,586 |
| Equity capital to assets | 11.3850% | 2,274 |
| Core capital (leverage) ratio | 11.4487% | 1,987 |
| Tier 1 risk-based capital ratio | 13.2942% | 3,893 |
| Total risk-based capital ratio | 14.2754% | 3,966 |
| Memoranda: | ||
| Average total assets | $116,288,500 | 4,058 |
| Average earning assets | $110,409,000 | 4,009 |
| Average equity | $13,430,000 | 3,997 |
| Average total loans | $92,386,000 | 3,546 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 1,582 |
| Cost of funding earning assets | 0.5634% | 1,581 |
| Net interest margin | 3.9212% | 1,894 |
| Noninterest income to average assets | 0.3454% | 4,266 |
| Noninterest expense to average assets | 3.3012% | 1,574 |
| Loan and lease loss provision to assets | 0.3223% | 562 |
| Net operating income to assets | 0.2733% | 5,279 |
| Return on assets (ROA) | 0.2733% | 5,348 |
| Pretax return on assets | 0.4562% | 5,106 |
| Return on Equity (ROE) | 2.2581% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.2581% | 4,248 |
| Net charge-offs to loans | 0.3257% | 846 |
| Credit loss provision to net charge-offs | 125.5396% | 2,131 |
| Earnings coverage of net charge-offs (x) | 3.0324% | 3,731 |
| Efficiency ratio | 80.9190% | 1,310 |
| Assets per employee ($millions) | 4.3306% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 4,105 |
| Loan loss allowance to noncurrent loans | 781.9672% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 4,879 |
| Noncurrent loans to loans | 0.1324% | 4,703 |
| Net loans and leases to total assets | 80.9636% | 740 |
| Net loans and leases to deposits | 97.8175% | 841 |
| Net loans and leases to core deposits | 112.7979% | 742 |
| Total domestic deposits to total assets | 82.7701% | 3,837 |
| Equity capital to assets | 11.7234% | 1,990 |
| Core capital (leverage) ratio | 11.6196% | 1,845 |
| Tier 1 risk-based capital ratio | 13.3771% | 3,844 |
| Total risk-based capital ratio | 14.4107% | 3,896 |
| Memoranda: | ||
| Average total assets | $108,294,400 | 4,204 |
| Average earning assets | $103,131,800 | 4,136 |
| Average equity | $13,108,200 | 4,079 |
| Average total loans | $85,348,000 | 3,675 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 1,610 |
| Cost of funding earning assets | 0.5808% | 1,478 |
| Net interest margin | 3.8983% | 1,983 |
| Noninterest income to average assets | 0.3096% | 4,557 |
| Noninterest expense to average assets | 3.3861% | 1,370 |
| Loan and lease loss provision to assets | -0.0100% | 5,647 |
| Net operating income to assets | 0.3880% | 5,058 |
| Return on assets (ROA) | 0.3880% | 5,150 |
| Pretax return on assets | 0.6392% | 4,766 |
| Return on Equity (ROE) | 3.1791% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.1791% | 4,009 |
| Net charge-offs to loans | -0.0159% | 4,933 |
| Credit loss provision to net charge-offs | 80.0000% | 2,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3295% | 969 |
| Assets per employee ($millions) | 4.2274% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 4,185 |
| Loan loss allowance to noncurrent loans | 60.4508% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3853% | 1,348 |
| Noncurrent loans to loans | 1.7192% | 1,216 |
| Net loans and leases to total assets | 79.7368% | 925 |
| Net loans and leases to deposits | 91.6077% | 1,549 |
| Net loans and leases to core deposits | 101.2252% | 1,539 |
| Total domestic deposits to total assets | 87.0416% | 1,875 |
| Equity capital to assets | 12.5695% | 1,735 |
| Core capital (leverage) ratio | 11.4684% | 2,056 |
| Tier 1 risk-based capital ratio | 13.9528% | 3,582 |
| Total risk-based capital ratio | 14.9674% | 3,647 |
| Memoranda: | ||
| Average total assets | $107,219,250 | 4,258 |
| Average earning assets | $101,921,000 | 4,192 |
| Average equity | $13,085,250 | 4,110 |
| Average total loans | $83,656,250 | 3,737 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 2,254 |
| Cost of funding earning assets | 0.5964% | 1,341 |
| Net interest margin | 3.6740% | 2,802 |
| Noninterest income to average assets | 0.4214% | 3,724 |
| Noninterest expense to average assets | 3.4066% | 1,357 |
| Loan and lease loss provision to assets | 0.0093% | 3,905 |
| Net operating income to assets | 0.2970% | 5,332 |
| Return on assets (ROA) | 0.2970% | 5,419 |
| Pretax return on assets | 0.4938% | 5,142 |
| Return on Equity (ROE) | 2.4579% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.4579% | 4,323 |
| Net charge-offs to loans | -0.0289% | 5,105 |
| Credit loss provision to net charge-offs | -41.6667% | 4,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1320% | 777 |
| Assets per employee ($millions) | 4.5967% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 4,205 |
| Loan loss allowance to noncurrent loans | 44.4664% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 1.8346% | 925 |
| Noncurrent loans to loans | 2.3704% | 758 |
| Net loans and leases to total assets | 76.5829% | 1,400 |
| Net loans and leases to deposits | 87.2331% | 2,104 |
| Net loans and leases to core deposits | 97.2031% | 1,873 |
| Total domestic deposits to total assets | 87.7911% | 1,536 |
| Equity capital to assets | 11.8944% | 2,203 |
| Core capital (leverage) ratio | 11.1749% | 2,260 |
| Tier 1 risk-based capital ratio | 13.3642% | 3,977 |
| Total risk-based capital ratio | 14.3670% | 4,051 |
| Memoranda: | ||
| Average total assets | $107,731,000 | 4,272 |
| Average earning assets | $102,287,330 | 4,214 |
| Average equity | $13,019,000 | 4,148 |
| Average total loans | $83,157,000 | 3,778 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 2,148 |
| Cost of funding earning assets | 0.5911% | 1,396 |
| Net interest margin | 3.7053% | 2,650 |
| Noninterest income to average assets | 0.2292% | 5,100 |
| Noninterest expense to average assets | 3.3748% | 1,435 |
| Loan and lease loss provision to assets | 0.0113% | 3,541 |
| Net operating income to assets | 0.2105% | 5,509 |
| Return on assets (ROA) | 0.2105% | 5,573 |
| Pretax return on assets | 0.3533% | 5,394 |
| Return on Equity (ROE) | 1.7274% | 5,568 |
| Retained earnings to average equity (ytd only) | 1.7274% | 4,581 |
| Net charge-offs to loans | -0.0098% | 4,524 |
| Credit loss provision to net charge-offs | -150.0000% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2513% | 662 |
| Assets per employee ($millions) | 4.1879% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 4,204 |
| Loan loss allowance to noncurrent loans | 43.8519% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.1490% | 779 |
| Noncurrent loans to loans | 2.4482% | 781 |
| Net loans and leases to total assets | 78.1553% | 1,082 |
| Net loans and leases to deposits | 89.5772% | 1,627 |
| Net loans and leases to core deposits | 101.0871% | 1,401 |
| Total domestic deposits to total assets | 87.2490% | 2,075 |
| Equity capital to assets | 12.4205% | 1,730 |
| Core capital (leverage) ratio | 11.3957% | 2,054 |
| Tier 1 risk-based capital ratio | 13.7995% | 3,813 |
| Total risk-based capital ratio | 14.8270% | 3,868 |
| Memoranda: | ||
| Average total assets | $106,436,000 | 4,335 |
| Average earning assets | $100,829,500 | 4,276 |
| Average equity | $12,967,500 | 4,170 |
| Average total loans | $82,042,000 | 3,801 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 1,884 |
| Cost of funding earning assets | 0.5798% | 1,494 |
| Net interest margin | 3.8254% | 2,284 |
| Noninterest income to average assets | 0.4203% | 3,893 |
| Noninterest expense to average assets | 3.4569% | 1,374 |
| Loan and lease loss provision to assets | 0.1607% | 1,436 |
| Net operating income to assets | 0.2634% | 5,451 |
| Return on assets (ROA) | 0.2634% | 5,532 |
| Pretax return on assets | 0.4251% | 5,273 |
| Return on Equity (ROE) | 2.1330% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.1330% | 4,505 |
| Net charge-offs to loans | 0.3036% | 992 |
| Credit loss provision to net charge-offs | 69.1667% | 3,137 |
| Earnings coverage of net charge-offs (x) | 2.5208% | 3,886 |
| Efficiency ratio | 85.5090% | 1,041 |
| Assets per employee ($millions) | 4.5073% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 4,119 |
| Loan loss allowance to noncurrent loans | 54.4390% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 1,063 |
| Noncurrent loans to loans | 1.9934% | 1,050 |
| Net loans and leases to total assets | 74.4042% | 1,659 |
| Net loans and leases to deposits | 89.4239% | 1,694 |
| Net loans and leases to core deposits | 102.0865% | 1,356 |
| Total domestic deposits to total assets | 83.2039% | 3,772 |
| Equity capital to assets | 11.9539% | 1,986 |
| Core capital (leverage) ratio | 11.1581% | 2,257 |
| Tier 1 risk-based capital ratio | 13.8843% | 3,779 |
| Total risk-based capital ratio | 14.9184% | 3,839 |
| Memoranda: | ||
| Average total assets | $103,271,600 | 4,400 |
| Average earning assets | $97,794,200 | 4,342 |
| Average equity | $12,752,200 | 4,181 |
| Average total loans | $79,063,400 | 3,860 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 1,851 |
| Cost of funding earning assets | 0.5724% | 1,602 |
| Net interest margin | 3.8482% | 2,199 |
| Noninterest income to average assets | 0.4808% | 3,497 |
| Noninterest expense to average assets | 3.5068% | 1,272 |
| Loan and lease loss provision to assets | 0.1424% | 1,553 |
| Net operating income to assets | 0.2953% | 5,463 |
| Return on assets (ROA) | 0.2953% | 5,545 |
| Pretax return on assets | 0.4769% | 5,277 |
| Return on Equity (ROE) | 2.3713% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.3713% | 4,695 |
| Net charge-offs to loans | 0.3381% | 776 |
| Credit loss provision to net charge-offs | 54.7739% | 2,979 |
| Earnings coverage of net charge-offs (x) | 2.3819% | 3,679 |
| Efficiency ratio | 84.9905% | 1,084 |
| Assets per employee ($millions) | 4.1625% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 4,388 |
| Loan loss allowance to noncurrent loans | 53.3867% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.5800% | 1,416 |
| Noncurrent loans to loans | 2.0050% | 1,154 |
| Net loans and leases to total assets | 74.0395% | 1,727 |
| Net loans and leases to deposits | 89.0066% | 1,768 |
| Net loans and leases to core deposits | 102.9089% | 1,308 |
| Total domestic deposits to total assets | 83.1843% | 3,737 |
| Equity capital to assets | 11.9056% | 2,176 |
| Core capital (leverage) ratio | 11.1045% | 2,387 |
| Tier 1 risk-based capital ratio | 13.9342% | 3,883 |
| Total risk-based capital ratio | 14.9574% | 3,953 |
| Memoranda: | ||
| Average total assets | $102,046,000 | 4,468 |
| Average earning assets | $96,667,000 | 4,420 |
| Average equity | $12,707,500 | 4,236 |
| Average total loans | $78,487,000 | 3,908 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 1,693 |
| Cost of funding earning assets | 0.5541% | 1,784 |
| Net interest margin | 3.8953% | 1,995 |
| Noninterest income to average assets | 0.2540% | 5,130 |
| Noninterest expense to average assets | 3.6025% | 1,122 |
| Loan and lease loss provision to assets | 0.2860% | 564 |
| Net operating income to assets | 0.0280% | 5,961 |
| Return on assets (ROA) | 0.0280% | 6,002 |
| Pretax return on assets | 0.0500% | 5,979 |
| Return on Equity (ROE) | 0.2214% | 6,001 |
| Retained earnings to average equity (ytd only) | 0.2214% | 5,437 |
| Net charge-offs to loans | 0.4868% | 515 |
| Credit loss provision to net charge-offs | 75.6614% | 2,388 |
| Earnings coverage of net charge-offs (x) | 0.8889% | 3,609 |
| Efficiency ratio | 91.4678% | 662 |
| Assets per employee ($millions) | 4.0347% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 4,205 |
| Loan loss allowance to noncurrent loans | 53.0886% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 1.6358% | 1,468 |
| Noncurrent loans to loans | 2.1183% | 1,140 |
| Net loans and leases to total assets | 76.3543% | 1,326 |
| Net loans and leases to deposits | 92.1875% | 1,351 |
| Net loans and leases to core deposits | 108.5824% | 917 |
| Total domestic deposits to total assets | 82.8251% | 4,017 |
| Equity capital to assets | 12.0797% | 1,964 |
| Core capital (leverage) ratio | 11.6509% | 1,884 |
| Tier 1 risk-based capital ratio | 13.6349% | 4,142 |
| Total risk-based capital ratio | 14.7118% | 4,173 |
| Memoranda: | ||
| Average total assets | $99,986,000 | 4,554 |
| Average earning assets | $94,574,670 | 4,507 |
| Average equity | $12,648,330 | 4,272 |
| Average total loans | $77,650,330 | 3,962 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,209 |
| Cost of funding earning assets | 0.5462% | 1,880 |
| Net interest margin | 4.0572% | 1,395 |
| Noninterest income to average assets | 0.2010% | 5,511 |
| Noninterest expense to average assets | 3.7733% | 906 |
| Loan and lease loss provision to assets | 0.5250% | 189 |
| Net operating income to assets | -0.1682% | 6,133 |
| Return on assets (ROA) | -0.1682% | 6,154 |
| Pretax return on assets | -0.2584% | 6,177 |
| Return on Equity (ROE) | -1.2978% | 6,141 |
| Retained earnings to average equity (ytd only) | -1.2978% | 5,589 |
| Net charge-offs to loans | 0.7477% | 313 |
| Credit loss provision to net charge-offs | 90.1408% | 1,741 |
| Earnings coverage of net charge-offs (x) | 0.4577% | 3,051 |
| Efficiency ratio | 93.4010% | 624 |
| Assets per employee ($millions) | 3.7095% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 3,758 |
| Loan loss allowance to noncurrent loans | 55.1140% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 1,465 |
| Noncurrent loans to loans | 2.2431% | 1,117 |
| Net loans and leases to total assets | 75.2189% | 1,320 |
| Net loans and leases to deposits | 91.6486% | 1,228 |
| Net loans and leases to core deposits | 105.8149% | 950 |
| Total domestic deposits to total assets | 82.0731% | 4,488 |
| Equity capital to assets | 12.5962% | 1,632 |
| Core capital (leverage) ratio | 11.8361% | 1,749 |
| Tier 1 risk-based capital ratio | 14.3825% | 3,785 |
| Total risk-based capital ratio | 15.5674% | 3,745 |
| Memoranda: | ||
| Average total assets | $97,527,500 | 4,638 |
| Average earning assets | $92,280,000 | 4,588 |
| Average equity | $12,636,500 | 4,299 |
| Average total loans | $75,971,000 | 4,021 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 1,475 |
| Cost of funding earning assets | 0.5770% | 1,984 |
| Net interest margin | 4.0514% | 1,732 |
| Noninterest income to average assets | 0.2277% | 5,493 |
| Noninterest expense to average assets | 3.4569% | 1,584 |
| Loan and lease loss provision to assets | 0.5279% | 275 |
| Net operating income to assets | 0.0367% | 6,045 |
| Return on assets (ROA) | 0.0367% | 6,069 |
| Pretax return on assets | 0.0598% | 6,035 |
| Return on Equity (ROE) | 0.2774% | 6,075 |
| Retained earnings to average equity (ytd only) | 0.2774% | 5,654 |
| Net charge-offs to loans | 1.3719% | 184 |
| Credit loss provision to net charge-offs | 47.6777% | 3,534 |
| Earnings coverage of net charge-offs (x) | 0.5308% | 4,623 |
| Efficiency ratio | 85.4696% | 1,235 |
| Assets per employee ($millions) | 3.5147% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 3,628 |
| Loan loss allowance to noncurrent loans | 29.2750% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 3.4448% | 544 |
| Noncurrent loans to loans | 4.3205% | 397 |
| Net loans and leases to total assets | 78.7214% | 913 |
| Net loans and leases to deposits | 97.0560% | 826 |
| Net loans and leases to core deposits | 109.8361% | 786 |
| Total domestic deposits to total assets | 81.1092% | 4,716 |
| Equity capital to assets | 13.3375% | 1,215 |
| Core capital (leverage) ratio | 11.7916% | 1,770 |
| Tier 1 risk-based capital ratio | 14.5156% | 3,768 |
| Total risk-based capital ratio | 15.7414% | 3,720 |
| Memoranda: | ||
| Average total assets | $95,289,000 | 4,710 |
| Average earning assets | $89,771,600 | 4,657 |
| Average equity | $12,616,000 | 4,258 |
| Average total loans | $76,898,400 | 3,973 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 1,531 |
| Cost of funding earning assets | 0.5702% | 2,104 |
| Net interest margin | 4.0421% | 1,747 |
| Noninterest income to average assets | 0.2390% | 5,492 |
| Noninterest expense to average assets | 3.4260% | 1,600 |
| Loan and lease loss provision to assets | 0.7730% | 161 |
| Net operating income to assets | -0.0978% | 6,218 |
| Return on assets (ROA) | -0.0978% | 6,223 |
| Pretax return on assets | -0.1552% | 6,236 |
| Return on Equity (ROE) | -0.7404% | 6,209 |
| Retained earnings to average equity (ytd only) | -0.7404% | 5,921 |
| Net charge-offs to loans | 1.7494% | 123 |
| Credit loss provision to net charge-offs | 54.5903% | 3,034 |
| Earnings coverage of net charge-offs (x) | 0.4363% | 4,387 |
| Efficiency ratio | 84.7217% | 1,314 |
| Assets per employee ($millions) | 3.9051% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 3,445 |
| Loan loss allowance to noncurrent loans | 32.9667% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 3.2593% | 684 |
| Noncurrent loans to loans | 4.0678% | 511 |
| Net loans and leases to total assets | 79.0511% | 828 |
| Net loans and leases to deposits | 96.7457% | 822 |
| Net loans and leases to core deposits | 108.9795% | 796 |
| Total domestic deposits to total assets | 81.7102% | 4,585 |
| Equity capital to assets | 12.8570% | 1,497 |
| Core capital (leverage) ratio | 11.8669% | 1,777 |
| Tier 1 risk-based capital ratio | 14.1334% | 4,119 |
| Total risk-based capital ratio | 15.3836% | 4,056 |
| Memoranda: | ||
| Average total assets | $95,386,750 | 4,753 |
| Average earning assets | $89,786,500 | 4,706 |
| Average equity | $12,605,750 | 4,288 |
| Average total loans | $77,207,500 | 3,986 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 1,408 |
| Cost of funding earning assets | 0.5646% | 2,212 |
| Net interest margin | 4.0827% | 1,566 |
| Noninterest income to average assets | 0.2388% | 5,487 |
| Noninterest expense to average assets | 3.4658% | 1,541 |
| Loan and lease loss provision to assets | 0.7122% | 183 |
| Net operating income to assets | -0.0655% | 6,237 |
| Return on assets (ROA) | -0.0655% | 6,248 |
| Pretax return on assets | -0.1036% | 6,258 |
| Return on Equity (ROE) | -0.4911% | 6,242 |
| Retained earnings to average equity (ytd only) | -0.4911% | 5,770 |
| Net charge-offs to loans | 1.0225% | 347 |
| Credit loss provision to net charge-offs | 85.7506% | 2,249 |
| Earnings coverage of net charge-offs (x) | 0.7328% | 3,985 |
| Efficiency ratio | 85.0622% | 1,373 |
| Assets per employee ($millions) | 3.7770% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8591% | 1,680 |
| Loan loss allowance to noncurrent loans | 31.5184% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 4.8822% | 375 |
| Noncurrent loans to loans | 5.8983% | 275 |
| Net loans and leases to total assets | 81.2346% | 551 |
| Net loans and leases to deposits | 100.2614% | 548 |
| Net loans and leases to core deposits | 113.2863% | 562 |
| Total domestic deposits to total assets | 81.0228% | 4,973 |
| Equity capital to assets | 13.3335% | 1,220 |
| Core capital (leverage) ratio | 12.0823% | 1,618 |
| Tier 1 risk-based capital ratio | 14.2837% | 4,073 |
| Total risk-based capital ratio | 15.5415% | 4,005 |
| Memoranda: | ||
| Average total assets | $94,639,670 | 4,808 |
| Average earning assets | $88,911,670 | 4,754 |
| Average equity | $12,623,670 | 4,297 |
| Average total loans | $76,868,330 | 4,009 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 1,606 |
| Cost of funding earning assets | 0.5522% | 2,403 |
| Net interest margin | 4.0092% | 1,726 |
| Noninterest income to average assets | 0.2660% | 5,240 |
| Noninterest expense to average assets | 3.5041% | 1,479 |
| Loan and lease loss provision to assets | 0.2491% | 867 |
| Net operating income to assets | 0.1773% | 5,860 |
| Return on assets (ROA) | 0.1773% | 5,905 |
| Pretax return on assets | 0.2829% | 5,759 |
| Return on Equity (ROE) | 1.3291% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.3291% | 5,084 |
| Net charge-offs to loans | 0.3988% | 919 |
| Credit loss provision to net charge-offs | 77.6316% | 1,926 |
| Earnings coverage of net charge-offs (x) | 1.6579% | 3,048 |
| Efficiency ratio | 86.8201% | 1,359 |
| Assets per employee ($millions) | 3.8668% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 1,799 |
| Loan loss allowance to noncurrent loans | 48.9662% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 3.1520% | 868 |
| Noncurrent loans to loans | 3.8517% | 710 |
| Net loans and leases to total assets | 80.2894% | 518 |
| Net loans and leases to deposits | 98.9722% | 492 |
| Net loans and leases to core deposits | 111.0420% | 550 |
| Total domestic deposits to total assets | 81.1232% | 5,200 |
| Equity capital to assets | 13.0983% | 1,265 |
| Core capital (leverage) ratio | 12.3104% | 1,472 |
| Tier 1 risk-based capital ratio | 14.1208% | 4,246 |
| Total risk-based capital ratio | 15.3784% | 4,193 |
| Memoranda: | ||
| Average total assets | $94,747,500 | 4,848 |
| Average earning assets | $89,094,000 | 4,796 |
| Average equity | $12,640,500 | 4,316 |
| Average total loans | $76,223,500 | 4,056 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 2,012 |
| Cost of funding earning assets | 0.6186% | 2,495 |
| Net interest margin | 3.9369% | 2,149 |
| Noninterest income to average assets | 0.4296% | 4,237 |
| Noninterest expense to average assets | 3.4963% | 1,661 |
| Loan and lease loss provision to assets | -0.1869% | 6,583 |
| Net operating income to assets | 0.4926% | 4,761 |
| Return on assets (ROA) | 0.4926% | 4,901 |
| Pretax return on assets | 0.7898% | 4,184 |
| Return on Equity (ROE) | 3.7543% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.7543% | 3,544 |
| Net charge-offs to loans | 0.2449% | 2,512 |
| Credit loss provision to net charge-offs | -100.0000% | 5,873 |
| Earnings coverage of net charge-offs (x) | 3.2247% | 3,921 |
| Efficiency ratio | 85.2934% | 1,490 |
| Assets per employee ($millions) | 3.7130% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0575% | 1,427 |
| Loan loss allowance to noncurrent loans | 48.7403% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 3.3353% | 904 |
| Noncurrent loans to loans | 4.2214% | 663 |
| Net loans and leases to total assets | 77.3824% | 903 |
| Net loans and leases to deposits | 95.8194% | 748 |
| Net loans and leases to core deposits | 106.1301% | 791 |
| Total domestic deposits to total assets | 80.7586% | 5,252 |
| Equity capital to assets | 13.5943% | 1,036 |
| Core capital (leverage) ratio | 12.0361% | 1,580 |
| Tier 1 risk-based capital ratio | 15.0053% | 3,662 |
| Total risk-based capital ratio | 16.2647% | 3,600 |
| Memoranda: | ||
| Average total assets | $95,215,000 | 4,861 |
| Average earning assets | $88,750,400 | 4,808 |
| Average equity | $12,492,200 | 4,357 |
| Average total loans | $72,673,000 | 4,173 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 1,827 |
| Cost of funding earning assets | 0.6259% | 2,598 |
| Net interest margin | 3.9950% | 1,962 |
| Noninterest income to average assets | 0.5107% | 3,731 |
| Noninterest expense to average assets | 3.4414% | 1,739 |
| Loan and lease loss provision to assets | -0.2407% | 6,747 |
| Net operating income to assets | 0.6346% | 4,199 |
| Return on assets (ROA) | 0.6346% | 4,320 |
| Pretax return on assets | 1.0228% | 3,408 |
| Return on Equity (ROE) | 4.8793% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.8793% | 3,168 |
| Net charge-offs to loans | 0.3292% | 1,897 |
| Credit loss provision to net charge-offs | -96.6480% | 5,781 |
| Earnings coverage of net charge-offs (x) | 3.1397% | 3,789 |
| Efficiency ratio | 81.4827% | 1,901 |
| Assets per employee ($millions) | 4.1026% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1258% | 1,456 |
| Loan loss allowance to noncurrent loans | 42.1801% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 4.4659% | 681 |
| Noncurrent loans to loans | 5.0399% | 591 |
| Net loans and leases to total assets | 73.8234% | 1,313 |
| Net loans and leases to deposits | 91.2938% | 1,036 |
| Net loans and leases to core deposits | 103.6901% | 893 |
| Total domestic deposits to total assets | 80.8635% | 5,249 |
| Equity capital to assets | 13.3670% | 1,175 |
| Core capital (leverage) ratio | 12.3630% | 1,489 |
| Tier 1 risk-based capital ratio | 15.4224% | 3,509 |
| Total risk-based capital ratio | 16.6822% | 3,458 |
| Memoranda: | ||
| Average total assets | $95,812,250 | 4,887 |
| Average earning assets | $89,041,250 | 4,848 |
| Average equity | $12,460,500 | 4,405 |
| Average total loans | $72,506,250 | 4,208 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 1,517 |
| Cost of funding earning assets | 0.6334% | 2,647 |
| Net interest margin | 4.0871% | 1,578 |
| Noninterest income to average assets | 0.6002% | 3,189 |
| Noninterest expense to average assets | 3.4165% | 1,786 |
| Loan and lease loss provision to assets | -0.4839% | 6,872 |
| Net operating income to assets | 0.9076% | 2,748 |
| Return on assets (ROA) | 0.9076% | 2,891 |
| Pretax return on assets | 1.4601% | 1,742 |
| Return on Equity (ROE) | 7.0429% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.0429% | 1,874 |
| Net charge-offs to loans | 0.1892% | 2,620 |
| Credit loss provision to net charge-offs | -337.6812% | 5,835 |
| Earnings coverage of net charge-offs (x) | 6.8116% | 2,645 |
| Efficiency ratio | 77.7778% | 2,495 |
| Assets per employee ($millions) | 4.0397% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1062% | 1,622 |
| Loan loss allowance to noncurrent loans | 45.2781% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 5.3179% | 557 |
| Noncurrent loans to loans | 4.6517% | 740 |
| Net loans and leases to total assets | 78.1882% | 729 |
| Net loans and leases to deposits | 96.8007% | 617 |
| Net loans and leases to core deposits | 108.9030% | 607 |
| Total domestic deposits to total assets | 80.7723% | 5,405 |
| Equity capital to assets | 13.5514% | 1,108 |
| Core capital (leverage) ratio | 12.0826% | 1,574 |
| Tier 1 risk-based capital ratio | 14.8315% | 3,887 |
| Total risk-based capital ratio | 16.0920% | 3,844 |
| Memoranda: | ||
| Average total assets | $96,296,670 | 4,908 |
| Average earning assets | $89,354,670 | 4,861 |
| Average equity | $12,409,670 | 4,441 |
| Average total loans | $72,951,000 | 4,212 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 1,418 |
| Cost of funding earning assets | 0.6326% | 2,818 |
| Net interest margin | 4.1120% | 1,423 |
| Noninterest income to average assets | 1.0246% | 1,413 |
| Noninterest expense to average assets | 3.2902% | 2,106 |
| Loan and lease loss provision to assets | -0.6776% | 6,978 |
| Net operating income to assets | 1.3920% | 1,048 |
| Return on assets (ROA) | 1.3920% | 1,133 |
| Pretax return on assets | 2.2329% | 390 |
| Return on Equity (ROE) | 11.0723% | 1,684 |
| Retained earnings to average equity (ytd only) | 11.0723% | 855 |
| Net charge-offs to loans | 0.4148% | 1,414 |
| Credit loss provision to net charge-offs | -221.3333% | 5,280 |
| Earnings coverage of net charge-offs (x) | 5.0800% | 2,412 |
| Efficiency ratio | 67.9023% | 4,326 |
| Assets per employee ($millions) | 4.4760% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2345% | 1,513 |
| Loan loss allowance to noncurrent loans | 70.3206% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 3.8681% | 1,058 |
| Noncurrent loans to loans | 3.1776% | 1,556 |
| Net loans and leases to total assets | 72.1129% | 1,332 |
| Net loans and leases to deposits | 88.0102% | 1,148 |
| Net loans and leases to core deposits | 100.1876% | 939 |
| Total domestic deposits to total assets | 81.9370% | 5,213 |
| Equity capital to assets | 12.6848% | 1,602 |
| Core capital (leverage) ratio | 11.5992% | 1,816 |
| Tier 1 risk-based capital ratio | 15.0068% | 3,829 |
| Total risk-based capital ratio | 16.2682% | 3,784 |
| Memoranda: | ||
| Average total assets | $97,988,500 | 4,907 |
| Average earning assets | $91,049,500 | 4,865 |
| Average equity | $12,319,000 | 4,511 |
| Average total loans | $72,321,500 | 4,257 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7579% | 2,370 |
| Cost of funding earning assets | 0.7617% | 2,998 |
| Net interest margin | 3.9962% | 2,402 |
| Noninterest income to average assets | -0.0264% | 6,867 |
| Noninterest expense to average assets | 3.2321% | 2,510 |
| Loan and lease loss provision to assets | 0.0548% | 5,116 |
| Net operating income to assets | 0.2341% | 5,689 |
| Return on assets (ROA) | 0.2341% | 5,885 |
| Pretax return on assets | 0.3810% | 5,622 |
| Return on Equity (ROE) | 1.9810% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.9810% | 4,828 |
| Net charge-offs to loans | 0.5589% | 2,065 |
| Credit loss provision to net charge-offs | 13.2701% | 5,364 |
| Earnings coverage of net charge-offs (x) | 1.0545% | 4,939 |
| Efficiency ratio | 88.1175% | 1,233 |
| Assets per employee ($millions) | 4.4320% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5900% | 1,027 |
| Loan loss allowance to noncurrent loans | 53.8550% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 4.7546% | 841 |
| Noncurrent loans to loans | 4.8091% | 849 |
| Net loans and leases to total assets | 71.9389% | 1,500 |
| Net loans and leases to deposits | 87.5618% | 1,321 |
| Net loans and leases to core deposits | 100.4900% | 1,000 |
| Total domestic deposits to total assets | 82.1578% | 5,042 |
| Equity capital to assets | 12.4578% | 1,741 |
| Core capital (leverage) ratio | 10.8462% | 2,395 |
| Tier 1 risk-based capital ratio | 14.5254% | 4,014 |
| Total risk-based capital ratio | 15.7911% | 3,956 |
| Memoranda: | ||
| Average total assets | $102,100,800 | 4,774 |
| Average earning assets | $94,390,800 | 4,749 |
| Average equity | $12,064,800 | 4,556 |
| Average total loans | $75,505,600 | 4,165 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 3,019 |
| Cost of funding earning assets | 0.7848% | 3,077 |
| Net interest margin | 3.8641% | 3,057 |
| Noninterest income to average assets | 0.1808% | 6,221 |
| Noninterest expense to average assets | 3.1870% | 2,607 |
| Loan and lease loss provision to assets | -0.0697% | 7,013 |
| Net operating income to assets | 0.3900% | 5,291 |
| Return on assets (ROA) | 0.3900% | 5,503 |
| Pretax return on assets | 0.6302% | 5,077 |
| Return on Equity (ROE) | 3.3432% | 5,556 |
| Retained earnings to average equity (ytd only) | 3.3432% | 4,517 |
| Net charge-offs to loans | 0.5813% | 1,885 |
| Credit loss provision to net charge-offs | -16.2162% | 6,114 |
| Earnings coverage of net charge-offs (x) | 1.3033% | 4,644 |
| Efficiency ratio | 85.0448% | 1,471 |
| Assets per employee ($millions) | 4.5103% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5530% | 1,140 |
| Loan loss allowance to noncurrent loans | 40.5631% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 6.0559% | 657 |
| Noncurrent loans to loans | 6.2940% | 622 |
| Net loans and leases to total assets | 70.9330% | 1,734 |
| Net loans and leases to deposits | 86.2433% | 1,575 |
| Net loans and leases to core deposits | 102.0531% | 979 |
| Total domestic deposits to total assets | 82.2476% | 4,933 |
| Equity capital to assets | 12.3022% | 2,039 |
| Core capital (leverage) ratio | 10.5493% | 2,860 |
| Tier 1 risk-based capital ratio | 14.3869% | 4,272 |
| Total risk-based capital ratio | 15.6528% | 4,229 |
| Memoranda: | ||
| Average total assets | $103,249,750 | 4,795 |
| Average earning assets | $95,302,500 | 4,758 |
| Average equity | $12,044,250 | 4,606 |
| Average total loans | $76,379,750 | 4,189 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7361% | 2,773 |
| Cost of funding earning assets | 0.8191% | 3,041 |
| Net interest margin | 3.9170% | 2,836 |
| Noninterest income to average assets | 0.0803% | 6,756 |
| Noninterest expense to average assets | 3.2202% | 2,522 |
| Loan and lease loss provision to assets | 0.0076% | 5,560 |
| Net operating income to assets | 0.2868% | 5,662 |
| Return on assets (ROA) | 0.2868% | 5,861 |
| Pretax return on assets | 0.4647% | 5,529 |
| Return on Equity (ROE) | 2.5021% | 5,882 |
| Retained earnings to average equity (ytd only) | 2.5021% | 4,939 |
| Net charge-offs to loans | 0.0874% | 4,280 |
| Credit loss provision to net charge-offs | 11.7647% | 4,722 |
| Earnings coverage of net charge-offs (x) | 7.2647% | 2,510 |
| Efficiency ratio | 87.2087% | 1,318 |
| Assets per employee ($millions) | 4.9497% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9372% | 833 |
| Loan loss allowance to noncurrent loans | 38.1588% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 7.2078% | 529 |
| Noncurrent loans to loans | 7.6973% | 458 |
| Net loans and leases to total assets | 69.9749% | 1,925 |
| Net loans and leases to deposits | 84.1011% | 1,838 |
| Net loans and leases to core deposits | 99.1575% | 1,158 |
| Total domestic deposits to total assets | 83.2033% | 4,674 |
| Equity capital to assets | 11.5939% | 2,497 |
| Core capital (leverage) ratio | 10.0571% | 3,343 |
| Tier 1 risk-based capital ratio | 13.6880% | 4,679 |
| Total risk-based capital ratio | 14.9616% | 4,630 |
| Memoranda: | ||
| Average total assets | $104,591,000 | 4,786 |
| Average earning assets | $96,451,330 | 4,751 |
| Average equity | $11,990,000 | 4,605 |
| Average total loans | $77,763,670 | 4,161 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8401% | 2,486 |
| Cost of funding earning assets | 0.8612% | 2,986 |
| Net interest margin | 3.9789% | 2,597 |
| Noninterest income to average assets | 0.5757% | 3,373 |
| Noninterest expense to average assets | 3.1530% | 2,751 |
| Loan and lease loss provision to assets | 0.3164% | 1,979 |
| Net operating income to assets | 0.4766% | 4,924 |
| Return on assets (ROA) | 0.4766% | 5,121 |
| Pretax return on assets | 0.7701% | 4,528 |
| Return on Equity (ROE) | 4.1808% | 5,211 |
| Retained earnings to average equity (ytd only) | 4.1808% | 4,084 |
| Net charge-offs to loans | 0.1010% | 3,531 |
| Credit loss provision to net charge-offs | 415.0000% | 762 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 1,483 |
| Efficiency ratio | 74.3705% | 3,039 |
| Assets per employee ($millions) | 4.8188% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9028% | 910 |
| Loan loss allowance to noncurrent loans | 45.6972% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 6.8407% | 636 |
| Noncurrent loans to loans | 6.3522% | 751 |
| Net loans and leases to total assets | 72.3817% | 1,329 |
| Net loans and leases to deposits | 86.6229% | 1,335 |
| Net loans and leases to core deposits | 104.7163% | 733 |
| Total domestic deposits to total assets | 83.5596% | 4,692 |
| Equity capital to assets | 11.3420% | 2,585 |
| Core capital (leverage) ratio | 10.0347% | 3,324 |
| Tier 1 risk-based capital ratio | 12.8030% | 5,359 |
| Total risk-based capital ratio | 14.0724% | 5,324 |
| Memoranda: | ||
| Average total assets | $104,915,000 | 4,810 |
| Average earning assets | $96,610,500 | 4,782 |
| Average equity | $11,959,500 | 4,617 |
| Average total loans | $79,178,000 | 4,144 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3512% | 1,559 |
| Cost of funding earning assets | 1.1144% | 2,576 |
| Net interest margin | 4.2368% | 1,939 |
| Noninterest income to average assets | 0.3123% | 5,311 |
| Noninterest expense to average assets | 3.4062% | 2,222 |
| Loan and lease loss provision to assets | 1.3808% | 568 |
| Net operating income to assets | -0.3592% | 6,386 |
| Return on assets (ROA) | -0.3592% | 6,433 |
| Pretax return on assets | -0.5677% | 6,534 |
| Return on Equity (ROE) | -2.9943% | 6,408 |
| Retained earnings to average equity (ytd only) | -2.9943% | 6,271 |
| Net charge-offs to loans | 1.0408% | 1,666 |
| Credit loss provision to net charge-offs | 160.1852% | 1,724 |
| Earnings coverage of net charge-offs (x) | 0.9433% | 5,098 |
| Efficiency ratio | 80.7283% | 2,197 |
| Assets per employee ($millions) | 4.7190% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8124% | 965 |
| Loan loss allowance to noncurrent loans | 37.5336% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 7.9274% | 515 |
| Noncurrent loans to loans | 7.4929% | 564 |
| Net loans and leases to total assets | 74.2624% | 1,223 |
| Net loans and leases to deposits | 89.0163% | 1,267 |
| Net loans and leases to core deposits | 111.7202% | 572 |
| Total domestic deposits to total assets | 83.4256% | 4,580 |
| Equity capital to assets | 11.4577% | 2,539 |
| Core capital (leverage) ratio | 9.5487% | 3,946 |
| Tier 1 risk-based capital ratio | 12.5282% | 5,422 |
| Total risk-based capital ratio | 13.7972% | 5,395 |
| Memoranda: | ||
| Average total assets | $100,230,200 | 4,885 |
| Average earning assets | $92,428,200 | 4,843 |
| Average equity | $12,023,000 | 4,549 |
| Average total loans | $83,015,600 | 4,050 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4315% | 1,428 |
| Cost of funding earning assets | 1.1532% | 2,617 |
| Net interest margin | 4.2783% | 1,797 |
| Noninterest income to average assets | 0.3705% | 4,909 |
| Noninterest expense to average assets | 3.4858% | 1,977 |
| Loan and lease loss provision to assets | 1.5865% | 415 |
| Net operating income to assets | -0.4752% | 6,624 |
| Return on assets (ROA) | -0.4752% | 6,672 |
| Pretax return on assets | -0.7530% | 6,761 |
| Return on Equity (ROE) | -3.9153% | 6,626 |
| Retained earnings to average equity (ytd only) | -3.9153% | 6,510 |
| Net charge-offs to loans | 1.2295% | 1,263 |
| Credit loss provision to net charge-offs | 152.7132% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.8023% | 5,014 |
| Efficiency ratio | 80.7023% | 2,158 |
| Assets per employee ($millions) | 4.6857% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5755% | 1,300 |
| Loan loss allowance to noncurrent loans | 37.2081% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 7.4056% | 637 |
| Noncurrent loans to loans | 6.9218% | 721 |
| Net loans and leases to total assets | 74.3778% | 1,258 |
| Net loans and leases to deposits | 88.6291% | 1,362 |
| Net loans and leases to core deposits | 115.9712% | 497 |
| Total domestic deposits to total assets | 83.9204% | 4,268 |
| Equity capital to assets | 11.0383% | 3,104 |
| Core capital (leverage) ratio | 9.5126% | 4,131 |
| Tier 1 risk-based capital ratio | 12.0988% | 5,819 |
| Total risk-based capital ratio | 13.3649% | 5,800 |
| Memoranda: | ||
| Average total assets | $99,333,500 | 4,943 |
| Average earning assets | $91,684,500 | 4,904 |
| Average equity | $12,055,000 | 4,558 |
| Average total loans | $83,937,500 | 4,060 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5703% | 1,126 |
| Cost of funding earning assets | 1.1900% | 2,643 |
| Net interest margin | 4.3804% | 1,436 |
| Noninterest income to average assets | 0.4869% | 3,961 |
| Noninterest expense to average assets | 3.4852% | 2,020 |
| Loan and lease loss provision to assets | 2.2130% | 258 |
| Net operating income to assets | -0.7356% | 6,834 |
| Return on assets (ROA) | -0.7356% | 6,847 |
| Pretax return on assets | -1.1687% | 6,954 |
| Return on Equity (ROE) | -5.8639% | 6,768 |
| Retained earnings to average equity (ytd only) | -5.8639% | 6,642 |
| Net charge-offs to loans | 1.6309% | 894 |
| Credit loss provision to net charge-offs | 155.0073% | 1,967 |
| Earnings coverage of net charge-offs (x) | 0.7315% | 4,746 |
| Efficiency ratio | 76.9442% | 2,872 |
| Assets per employee ($millions) | 4.6445% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4748% | 1,482 |
| Loan loss allowance to noncurrent loans | 36.3226% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 7.5264% | 636 |
| Noncurrent loans to loans | 6.8133% | 779 |
| Net loans and leases to total assets | 77.1007% | 899 |
| Net loans and leases to deposits | 91.9167% | 1,071 |
| Net loans and leases to core deposits | 121.9925% | 378 |
| Total domestic deposits to total assets | 83.8810% | 4,401 |
| Equity capital to assets | 11.1314% | 2,833 |
| Core capital (leverage) ratio | 10.4959% | 2,720 |
| Tier 1 risk-based capital ratio | 11.7599% | 5,963 |
| Total risk-based capital ratio | 13.0241% | 5,952 |
| Memoranda: | ||
| Average total assets | $96,521,330 | 5,062 |
| Average earning assets | $89,079,330 | 5,020 |
| Average equity | $12,108,000 | 4,528 |
| Average total loans | $84,491,330 | 4,081 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0998% | 403 |
| Cost of funding earning assets | 1.2730% | 2,345 |
| Net interest margin | 4.8268% | 540 |
| Noninterest income to average assets | 0.8143% | 1,973 |
| Noninterest expense to average assets | 3.6642% | 1,617 |
| Loan and lease loss provision to assets | 1.9175% | 291 |
| Net operating income to assets | -0.1926% | 6,552 |
| Return on assets (ROA) | -0.1926% | 6,570 |
| Pretax return on assets | -0.3021% | 6,622 |
| Return on Equity (ROE) | -1.4407% | 6,535 |
| Retained earnings to average equity (ytd only) | -1.4407% | 6,061 |
| Net charge-offs to loans | 1.2495% | 1,111 |
| Credit loss provision to net charge-offs | 165.9091% | 1,750 |
| Earnings coverage of net charge-offs (x) | 1.3977% | 3,651 |
| Efficiency ratio | 69.4030% | 4,395 |
| Assets per employee ($millions) | 4.2562% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 1,976 |
| Loan loss allowance to noncurrent loans | 44.9452% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 4.9019% | 1,291 |
| Noncurrent loans to loans | 4.8799% | 1,390 |
| Net loans and leases to total assets | 89.7722% | 47 |
| Net loans and leases to deposits | 104.9268% | 282 |
| Net loans and leases to core deposits | 133.6449% | 236 |
| Total domestic deposits to total assets | 85.5570% | 3,753 |
| Equity capital to assets | 13.0258% | 1,367 |
| Core capital (leverage) ratio | 11.6043% | 1,793 |
| Tier 1 risk-based capital ratio | 12.2677% | 5,464 |
| Total risk-based capital ratio | 13.5299% | 5,452 |
| Memoranda: | ||
| Average total assets | $91,370,000 | 5,257 |
| Average earning assets | $84,528,000 | 5,208 |
| Average equity | $12,216,500 | 4,500 |
| Average total loans | $84,511,000 | 4,125 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3778% | 400 |
| Cost of funding earning assets | 1.5186% | 2,539 |
| Net interest margin | 4.8592% | 589 |
| Noninterest income to average assets | 0.1429% | 6,677 |
| Noninterest expense to average assets | 3.5690% | 2,004 |
| Loan and lease loss provision to assets | 1.4908% | 997 |
| Net operating income to assets | -0.2624% | 6,179 |
| Return on assets (ROA) | -0.2624% | 6,225 |
| Pretax return on assets | -0.4109% | 6,250 |
| Return on Equity (ROE) | -1.9306% | 6,163 |
| Retained earnings to average equity (ytd only) | -1.9306% | 5,959 |
| Net charge-offs to loans | 2.0475% | 983 |
| Credit loss provision to net charge-offs | 78.5294% | 5,613 |
| Earnings coverage of net charge-offs (x) | 0.5688% | 5,540 |
| Efficiency ratio | 76.7716% | 2,910 |
| Assets per employee ($millions) | 4.0501% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 2,158 |
| Loan loss allowance to noncurrent loans | 38.7630% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 6.7775% | 827 |
| Noncurrent loans to loans | 5.3131% | 1,244 |
| Net loans and leases to total assets | 91.3168% | 32 |
| Net loans and leases to deposits | 106.3149% | 312 |
| Net loans and leases to core deposits | 137.1622% | 248 |
| Total domestic deposits to total assets | 85.8927% | 3,416 |
| Equity capital to assets | 13.7324% | 1,119 |
| Core capital (leverage) ratio | 11.6749% | 1,740 |
| Tier 1 risk-based capital ratio | 12.5966% | 4,941 |
| Total risk-based capital ratio | 13.8562% | 4,917 |
| Memoranda: | ||
| Average total assets | $89,550,000 | 5,304 |
| Average earning assets | $83,037,600 | 5,250 |
| Average equity | $12,172,400 | 4,562 |
| Average total loans | $83,029,400 | 4,244 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3241% | 486 |
| Cost of funding earning assets | 1.5598% | 2,608 |
| Net interest margin | 4.7642% | 724 |
| Noninterest income to average assets | 0.1279% | 6,917 |
| Noninterest expense to average assets | 3.5034% | 2,025 |
| Loan and lease loss provision to assets | 1.3012% | 1,068 |
| Net operating income to assets | -0.1606% | 6,261 |
| Return on assets (ROA) | -0.1606% | 6,343 |
| Pretax return on assets | -0.2483% | 6,363 |
| Return on Equity (ROE) | -1.1846% | 6,304 |
| Retained earnings to average equity (ytd only) | -1.1846% | 6,046 |
| Net charge-offs to loans | 2.3834% | 729 |
| Credit loss provision to net charge-offs | 58.9623% | 5,720 |
| Earnings coverage of net charge-offs (x) | 0.4771% | 5,547 |
| Efficiency ratio | 76.8930% | 2,777 |
| Assets per employee ($millions) | 4.1178% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7322% | 3,050 |
| Loan loss allowance to noncurrent loans | 37.3252% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 4.8707% | 1,334 |
| Noncurrent loans to loans | 4.6409% | 1,538 |
| Net loans and leases to total assets | 87.9304% | 110 |
| Net loans and leases to deposits | 102.0014% | 535 |
| Net loans and leases to core deposits | 129.2775% | 392 |
| Total domestic deposits to total assets | 86.2051% | 2,973 |
| Equity capital to assets | 13.0484% | 1,553 |
| Core capital (leverage) ratio | 11.7135% | 1,809 |
| Tier 1 risk-based capital ratio | 12.5030% | 4,980 |
| Total risk-based capital ratio | 13.7583% | 4,950 |
| Memoranda: | ||
| Average total assets | $89,661,750 | 5,367 |
| Average earning assets | $83,341,000 | 5,295 |
| Average equity | $12,156,500 | 4,636 |
| Average total loans | $83,017,500 | 4,319 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3787% | 430 |
| Cost of funding earning assets | 1.6026% | 2,636 |
| Net interest margin | 4.7760% | 683 |
| Noninterest income to average assets | 0.1250% | 6,970 |
| Noninterest expense to average assets | 3.5622% | 1,878 |
| Loan and lease loss provision to assets | 1.7550% | 709 |
| Net operating income to assets | -0.4774% | 6,628 |
| Return on assets (ROA) | -0.4774% | 6,668 |
| Pretax return on assets | -0.7547% | 6,758 |
| Return on Equity (ROE) | -3.4741% | 6,561 |
| Retained earnings to average equity (ytd only) | -3.4741% | 6,359 |
| Net charge-offs to loans | 1.6812% | 1,113 |
| Credit loss provision to net charge-offs | 111.3997% | 3,635 |
| Earnings coverage of net charge-offs (x) | 0.6349% | 5,104 |
| Efficiency ratio | 78.0767% | 2,719 |
| Assets per employee ($millions) | 3.7587% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5462% | 1,243 |
| Loan loss allowance to noncurrent loans | 52.1171% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 4.5816% | 1,433 |
| Noncurrent loans to loans | 4.8856% | 1,434 |
| Net loans and leases to total assets | 91.3900% | 41 |
| Net loans and leases to deposits | 106.2342% | 382 |
| Net loans and leases to core deposits | 135.9442% | 331 |
| Total domestic deposits to total assets | 86.0269% | 3,066 |
| Equity capital to assets | 13.5463% | 1,324 |
| Core capital (leverage) ratio | 11.6242% | 1,847 |
| Tier 1 risk-based capital ratio | 12.1712% | 5,155 |
| Total risk-based capital ratio | 13.4360% | 5,114 |
| Memoranda: | ||
| Average total assets | $87,979,330 | 5,452 |
| Average earning assets | $81,741,330 | 5,380 |
| Average equity | $12,089,330 | 4,655 |
| Average total loans | $82,441,330 | 4,369 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4053% | 429 |
| Cost of funding earning assets | 1.7234% | 2,277 |
| Net interest margin | 4.6820% | 809 |
| Noninterest income to average assets | 0.0414% | 7,506 |
| Noninterest expense to average assets | 3.5872% | 1,770 |
| Loan and lease loss provision to assets | 0.8381% | 1,508 |
| Net operating income to assets | -0.0414% | 6,363 |
| Return on assets (ROA) | -0.0414% | 6,447 |
| Pretax return on assets | -0.0553% | 6,416 |
| Return on Equity (ROE) | -0.2994% | 6,446 |
| Retained earnings to average equity (ytd only) | -0.2994% | 5,899 |
| Net charge-offs to loans | 1.4404% | 1,199 |
| Credit loss provision to net charge-offs | 62.1160% | 4,262 |
| Earnings coverage of net charge-offs (x) | 0.5802% | 4,510 |
| Efficiency ratio | 82.0864% | 2,262 |
| Assets per employee ($millions) | 3.8582% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4022% | 1,418 |
| Loan loss allowance to noncurrent loans | 74.3192% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 3.3041% | 2,173 |
| Noncurrent loans to loans | 3.2322% | 2,475 |
| Net loans and leases to total assets | 89.9672% | 67 |
| Net loans and leases to deposits | 104.4946% | 498 |
| Net loans and leases to core deposits | 136.4765% | 377 |
| Total domestic deposits to total assets | 86.0974% | 3,098 |
| Equity capital to assets | 13.5735% | 1,295 |
| Core capital (leverage) ratio | 12.1089% | 1,595 |
| Tier 1 risk-based capital ratio | 12.3438% | 4,871 |
| Total risk-based capital ratio | 13.6064% | 4,818 |
| Memoranda: | ||
| Average total assets | $86,864,500 | 5,552 |
| Average earning assets | $80,308,000 | 5,493 |
| Average equity | $12,024,000 | 4,713 |
| Average total loans | $81,364,000 | 4,463 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4208% | 793 |
| Cost of funding earning assets | 2.2891% | 1,701 |
| Net interest margin | 4.1317% | 2,312 |
| Noninterest income to average assets | 0.1573% | 6,947 |
| Noninterest expense to average assets | 3.5400% | 2,294 |
| Loan and lease loss provision to assets | 1.4724% | 1,565 |
| Net operating income to assets | -0.6493% | 6,313 |
| Return on assets (ROA) | -0.6493% | 6,316 |
| Pretax return on assets | -1.0297% | 6,427 |
| Return on Equity (ROE) | -4.5185% | 6,163 |
| Retained earnings to average equity (ytd only) | -4.5185% | 5,950 |
| Net charge-offs to loans | 0.9870% | 2,435 |
| Credit loss provision to net charge-offs | 159.9490% | 2,796 |
| Earnings coverage of net charge-offs (x) | 0.4809% | 5,625 |
| Efficiency ratio | 88.8856% | 1,811 |
| Assets per employee ($millions) | 3.5413% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5653% | 1,157 |
| Loan loss allowance to noncurrent loans | 62.4361% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 4.6323% | 1,381 |
| Noncurrent loans to loans | 4.1086% | 1,790 |
| Net loans and leases to total assets | 92.7768% | 22 |
| Net loans and leases to deposits | 111.4281% | 334 |
| Net loans and leases to core deposits | 141.2872% | 762 |
| Total domestic deposits to total assets | 83.2616% | 4,400 |
| Equity capital to assets | 14.1228% | 1,130 |
| Core capital (leverage) ratio | 12.3322% | 1,516 |
| Tier 1 risk-based capital ratio | 12.4004% | 4,595 |
| Total risk-based capital ratio | 13.6652% | 4,541 |
| Memoranda: | ||
| Average total assets | $85,169,600 | 5,553 |
| Average earning assets | $78,853,600 | 5,495 |
| Average equity | $12,238,600 | 4,698 |
| Average total loans | $79,432,600 | 4,535 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3779% | 967 |
| Cost of funding earning assets | 2.3942% | 1,657 |
| Net interest margin | 3.9836% | 2,881 |
| Noninterest income to average assets | 0.1001% | 7,403 |
| Noninterest expense to average assets | 3.5189% | 2,232 |
| Loan and lease loss provision to assets | 1.3769% | 1,395 |
| Net operating income to assets | -0.6994% | 6,602 |
| Return on assets (ROA) | -0.6994% | 6,616 |
| Pretax return on assets | -1.1093% | 6,763 |
| Return on Equity (ROE) | -4.8464% | 6,433 |
| Retained earnings to average equity (ytd only) | -4.8464% | 6,236 |
| Net charge-offs to loans | 1.1266% | 1,780 |
| Credit loss provision to net charge-offs | 131.7365% | 3,795 |
| Earnings coverage of net charge-offs (x) | 0.2560% | 5,758 |
| Efficiency ratio | 92.9339% | 1,470 |
| Assets per employee ($millions) | 3.5598% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2344% | 1,369 |
| Loan loss allowance to noncurrent loans | 44.6877% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 5.6476% | 994 |
| Noncurrent loans to loans | 5.0000% | 1,327 |
| Net loans and leases to total assets | 93.0578% | 34 |
| Net loans and leases to deposits | 110.6437% | 442 |
| Net loans and leases to core deposits | 147.3315% | 650 |
| Total domestic deposits to total assets | 84.1059% | 3,673 |
| Equity capital to assets | 14.1677% | 1,247 |
| Core capital (leverage) ratio | 12.4724% | 1,594 |
| Tier 1 risk-based capital ratio | 12.3846% | 4,642 |
| Total risk-based capital ratio | 13.6448% | 4,578 |
| Memoranda: | ||
| Average total assets | $85,214,500 | 5,583 |
| Average earning assets | $78,854,250 | 5,530 |
| Average equity | $12,297,500 | 4,718 |
| Average total loans | $79,059,000 | 4,582 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2692% | 1,283 |
| Cost of funding earning assets | 2.5306% | 1,505 |
| Net interest margin | 3.7387% | 3,797 |
| Noninterest income to average assets | 0.0940% | 7,507 |
| Noninterest expense to average assets | 3.5329% | 2,236 |
| Loan and lease loss provision to assets | 1.7923% | 921 |
| Net operating income to assets | -1.1181% | 7,064 |
| Return on assets (ROA) | -1.1181% | 7,067 |
| Pretax return on assets | -1.7782% | 7,210 |
| Return on Equity (ROE) | -7.7010% | 6,871 |
| Retained earnings to average equity (ytd only) | -7.7010% | 6,636 |
| Net charge-offs to loans | 1.7087% | 1,105 |
| Credit loss provision to net charge-offs | 114.0508% | 4,064 |
| Earnings coverage of net charge-offs (x) | 0.0090% | 5,680 |
| Efficiency ratio | 99.6026% | 1,196 |
| Assets per employee ($millions) | 3.5530% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 1,316 |
| Loan loss allowance to noncurrent loans | 35.4920% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 5.6138% | 888 |
| Noncurrent loans to loans | 6.0605% | 898 |
| Net loans and leases to total assets | 90.6370% | 105 |
| Net loans and leases to deposits | 106.1750% | 755 |
| Net loans and leases to core deposits | 145.4942% | 779 |
| Total domestic deposits to total assets | 85.3657% | 3,081 |
| Equity capital to assets | 14.1559% | 1,258 |
| Core capital (leverage) ratio | 12.9793% | 1,438 |
| Tier 1 risk-based capital ratio | 12.6386% | 4,405 |
| Total risk-based capital ratio | 13.8976% | 4,318 |
| Memoranda: | ||
| Average total assets | $85,141,330 | 5,612 |
| Average earning assets | $78,638,000 | 5,574 |
| Average equity | $12,362,000 | 4,722 |
| Average total loans | $78,305,330 | 4,641 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4237% | 1,011 |
| Cost of funding earning assets | 2.7804% | 1,029 |
| Net interest margin | 3.6433% | 4,125 |
| Noninterest income to average assets | 0.0987% | 7,545 |
| Noninterest expense to average assets | 3.4839% | 2,147 |
| Loan and lease loss provision to assets | 0.4655% | 2,612 |
| Net operating income to assets | -0.2915% | 6,669 |
| Return on assets (ROA) | -0.2915% | 6,745 |
| Pretax return on assets | -0.4561% | 6,789 |
| Return on Equity (ROE) | -1.9828% | 6,655 |
| Retained earnings to average equity (ytd only) | -1.9828% | 6,102 |
| Net charge-offs to loans | 1.2929% | 1,088 |
| Credit loss provision to net charge-offs | 39.2857% | 4,829 |
| Earnings coverage of net charge-offs (x) | 0.0079% | 4,970 |
| Efficiency ratio | 99.7308% | 1,140 |
| Assets per employee ($millions) | 3.4693% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 1,694 |
| Loan loss allowance to noncurrent loans | 281.7476% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 5,641 |
| Noncurrent loans to loans | 0.6628% | 5,744 |
| Net loans and leases to total assets | 91.5833% | 73 |
| Net loans and leases to deposits | 111.4432% | 548 |
| Net loans and leases to core deposits | 155.5526% | 572 |
| Total domestic deposits to total assets | 82.1794% | 4,475 |
| Equity capital to assets | 14.9874% | 1,107 |
| Core capital (leverage) ratio | 13.3228% | 1,381 |
| Tier 1 risk-based capital ratio | 13.5221% | 3,846 |
| Total risk-based capital ratio | 14.7753% | 3,775 |
| Memoranda: | ||
| Average total assets | $85,076,000 | 5,644 |
| Average earning assets | $79,268,500 | 5,576 |
| Average equity | $12,507,500 | 4,705 |
| Average total loans | $77,964,500 | 4,687 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2110% | 4,460 |
| Cost of funding earning assets | 2.9743% | 1,965 |
| Net interest margin | 3.2367% | 6,255 |
| Noninterest income to average assets | 0.0896% | 7,688 |
| Noninterest expense to average assets | 3.3560% | 2,809 |
| Loan and lease loss provision to assets | 1.1090% | 1,307 |
| Net operating income to assets | -0.8257% | 7,149 |
| Return on assets (ROA) | -0.8257% | 7,058 |
| Pretax return on assets | -1.3148% | 7,172 |
| Return on Equity (ROE) | -5.2959% | 6,888 |
| Retained earnings to average equity (ytd only) | -5.2959% | 6,555 |
| Net charge-offs to loans | 0.0155% | 6,672 |
| Credit loss provision to net charge-offs | 9,160.0000% | 66 |
| Earnings coverage of net charge-offs (x) | -17.0000% | 6,933 |
| Efficiency ratio | 106.5334% | 799 |
| Assets per employee ($millions) | 3.6204% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 1,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 88.1792% | 348 |
| Net loans and leases to deposits | 103.5560% | 1,390 |
| Net loans and leases to core deposits | 145.7752% | 1,022 |
| Total domestic deposits to total assets | 85.1512% | 2,774 |
| Equity capital to assets | 14.4276% | 1,318 |
| Core capital (leverage) ratio | 13.3530% | 1,430 |
| Tier 1 risk-based capital ratio | 13.2765% | 3,949 |
| Total risk-based capital ratio | 14.5344% | 3,854 |
| Memoranda: | ||
| Average total assets | $82,598,400 | 5,608 |
| Average earning assets | $78,103,400 | 5,495 |
| Average equity | $12,878,000 | 4,609 |
| Average total loans | $64,704,800 | 5,067 |