Home > Heritage First Bank > Performance and Condition Ratios
Heritage First Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2484% | 1,095 |
| Cost of funding earning assets | 0.3750% | 2,092 |
| Net interest margin | 3.8734% | 1,021 |
| Noninterest income to average assets | 0.5812% | 2,292 |
| Noninterest expense to average assets | 2.9875% | 1,009 |
| Loan and lease loss provision to assets | 0.0951% | 1,319 |
| Net operating income to assets | 1.1445% | 2,389 |
| Return on assets (ROA) | 1.1445% | 2,449 |
| Pretax return on assets | 1.1445% | 3,077 |
| Return on Equity (ROE) | 12.4311% | 1,899 |
| Retained earnings to average equity (ytd only) | 4.7406% | 3,284 |
| Net charge-offs to loans | 0.1214% | 643 |
| Credit loss provision to net charge-offs | 125.0000% | 1,236 |
| Earnings coverage of net charge-offs (x) | 16.2917% | 1,603 |
| Efficiency ratio | 70.6750% | 1,563 |
| Assets per employee ($millions) | 5.3001% | 3,349 |
| Cash dividends to net income (ytd only)* | 61.8652% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,478 |
| Loan loss allowance to noncurrent loans | 151.1699% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 1,606 |
| Noncurrent loans to loans | 0.8545% | 1,442 |
| Net loans and leases to total assets | 56.3807% | 2,856 |
| Net loans and leases to deposits | 62.1939% | 3,181 |
| Net loans and leases to core deposits | 65.4235% | 3,165 |
| Total domestic deposits to total assets | 90.6531% | 496 |
| Equity capital to assets | 8.7392% | 4,019 |
| Core capital (leverage) ratio | 9.0024% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9127% | 3,084 |
| Memoranda: | ||
| Average total assets | $189,257,333 | 3,180 |
| Average earning assets | $178,138,000 | 3,151 |
| Average equity | $17,424,000 | 3,476 |
| Average total loans | $118,608,000 | 3,019 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 884 |
| Cost of funding earning assets | 0.4025% | 2,072 |
| Net interest margin | 4.0180% | 820 |
| Noninterest income to average assets | 0.5743% | 2,314 |
| Noninterest expense to average assets | 2.9937% | 1,006 |
| Loan and lease loss provision to assets | 0.0983% | 1,371 |
| Net operating income to assets | 1.2534% | 1,968 |
| Return on assets (ROA) | 1.2534% | 2,046 |
| Pretax return on assets | 1.2534% | 2,690 |
| Return on Equity (ROE) | 13.2445% | 1,606 |
| Retained earnings to average equity (ytd only) | 1.7075% | 4,073 |
| Net charge-offs to loans | -0.0033% | 3,248 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8945% | 1,824 |
| Assets per employee ($millions) | 4.9148% | 3,750 |
| Cash dividends to net income (ytd only)* | 87.1080% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 2,547 |
| Loan loss allowance to noncurrent loans | 142.9651% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 1,629 |
| Noncurrent loans to loans | 0.8925% | 1,516 |
| Net loans and leases to total assets | 61.1146% | 2,389 |
| Net loans and leases to deposits | 67.6906% | 2,733 |
| Net loans and leases to core deposits | 71.7773% | 2,718 |
| Total domestic deposits to total assets | 90.2852% | 676 |
| Equity capital to assets | 9.0074% | 3,676 |
| Core capital (leverage) ratio | 9.5066% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9148% | 2,944 |
| Memoranda: | ||
| Average total assets | $183,184,000 | 3,223 |
| Average earning assets | $171,924,500 | 3,196 |
| Average equity | $17,335,500 | 3,483 |
| Average total loans | $120,392,500 | 3,012 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 618 |
| Cost of funding earning assets | 0.6083% | 2,251 |
| Net interest margin | 4.2746% | 534 |
| Noninterest income to average assets | 0.6331% | 2,088 |
| Noninterest expense to average assets | 3.5855% | 614 |
| Loan and lease loss provision to assets | 0.2848% | 1,336 |
| Net operating income to assets | 0.7441% | 3,280 |
| Return on assets (ROA) | 0.7441% | 3,406 |
| Pretax return on assets | 0.7441% | 3,779 |
| Return on Equity (ROE) | 7.1748% | 3,139 |
| Retained earnings to average equity (ytd only) | 5.9859% | 1,797 |
| Net charge-offs to loans | 0.1495% | 1,091 |
| Credit loss provision to net charge-offs | 253.8462% | 1,920 |
| Earnings coverage of net charge-offs (x) | 9.1703% | 2,543 |
| Efficiency ratio | 77.7021% | 1,057 |
| Assets per employee ($millions) | 4.2608% | 4,164 |
| Cash dividends to net income (ytd only)* | 16.5700% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 2,933 |
| Loan loss allowance to noncurrent loans | 86.5056% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 941 |
| Noncurrent loans to loans | 1.3895% | 986 |
| Net loans and leases to total assets | 69.0707% | 1,677 |
| Net loans and leases to deposits | 77.0893% | 2,165 |
| Net loans and leases to core deposits | 83.8576% | 2,045 |
| Total domestic deposits to total assets | 89.5983% | 730 |
| Equity capital to assets | 9.9638% | 3,160 |
| Core capital (leverage) ratio | 9.9861% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0885% | 2,595 |
| Memoranda: | ||
| Average total assets | $162,208,800 | 3,269 |
| Average earning assets | $151,078,800 | 3,254 |
| Average equity | $16,822,800 | 3,469 |
| Average total loans | $121,751,600 | 2,962 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 499 |
| Cost of funding earning assets | 0.6453% | 2,351 |
| Net interest margin | 4.4599% | 420 |
| Noninterest income to average assets | 0.6369% | 2,038 |
| Noninterest expense to average assets | 3.7404% | 492 |
| Loan and lease loss provision to assets | 0.3495% | 1,083 |
| Net operating income to assets | 0.6889% | 3,493 |
| Return on assets (ROA) | 0.6889% | 3,595 |
| Pretax return on assets | 0.6889% | 3,928 |
| Return on Equity (ROE) | 6.5718% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.9728% | 2,573 |
| Net charge-offs to loans | 0.1458% | 1,003 |
| Credit loss provision to net charge-offs | 313.5338% | 1,722 |
| Earnings coverage of net charge-offs (x) | 9.3158% | 2,435 |
| Efficiency ratio | 78.2708% | 1,005 |
| Assets per employee ($millions) | 4.3483% | 3,999 |
| Cash dividends to net income (ytd only)* | 24.3309% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,618 |
| Loan loss allowance to noncurrent loans | 83.4940% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 798 |
| Noncurrent loans to loans | 1.4479% | 995 |
| Net loans and leases to total assets | 70.9322% | 1,826 |
| Net loans and leases to deposits | 79.3097% | 2,390 |
| Net loans and leases to core deposits | 87.1805% | 2,219 |
| Total domestic deposits to total assets | 89.4370% | 604 |
| Equity capital to assets | 10.0429% | 3,191 |
| Core capital (leverage) ratio | 9.8910% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9479% | 2,636 |
| Memoranda: | ||
| Average total assets | $159,088,000 | 3,281 |
| Average earning assets | $147,741,000 | 3,270 |
| Average equity | $16,677,000 | 3,482 |
| Average total loans | $121,657,250 | 2,974 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4335% | 378 |
| Cost of funding earning assets | 0.6768% | 2,516 |
| Net interest margin | 4.7567% | 304 |
| Noninterest income to average assets | 0.6221% | 2,051 |
| Noninterest expense to average assets | 3.8280% | 487 |
| Loan and lease loss provision to assets | 0.4782% | 774 |
| Net operating income to assets | 0.7250% | 3,300 |
| Return on assets (ROA) | 0.7250% | 3,407 |
| Pretax return on assets | 0.7250% | 3,813 |
| Return on Equity (ROE) | 6.8120% | 3,201 |
| Retained earnings to average equity (ytd only) | 4.3964% | 2,746 |
| Net charge-offs to loans | 0.2023% | 760 |
| Credit loss provision to net charge-offs | 302.4390% | 1,610 |
| Earnings coverage of net charge-offs (x) | 7.6098% | 2,353 |
| Efficiency ratio | 76.0858% | 1,257 |
| Assets per employee ($millions) | 4.1911% | 4,115 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 2,813 |
| Loan loss allowance to noncurrent loans | 72.2111% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.3809% | 716 |
| Noncurrent loans to loans | 1.5822% | 938 |
| Net loans and leases to total assets | 74.1680% | 1,391 |
| Net loans and leases to deposits | 82.8579% | 2,104 |
| Net loans and leases to core deposits | 91.5442% | 1,945 |
| Total domestic deposits to total assets | 89.5124% | 566 |
| Equity capital to assets | 10.0319% | 3,175 |
| Core capital (leverage) ratio | 10.0985% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0229% | 2,600 |
| Memoranda: | ||
| Average total assets | $155,589,667 | 3,297 |
| Average earning assets | $144,216,333 | 3,293 |
| Average equity | $16,559,000 | 3,495 |
| Average total loans | $121,622,667 | 2,959 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4343% | 428 |
| Cost of funding earning assets | 0.7192% | 2,845 |
| Net interest margin | 4.7151% | 317 |
| Noninterest income to average assets | 0.7515% | 1,463 |
| Noninterest expense to average assets | 4.0679% | 473 |
| Loan and lease loss provision to assets | 0.1204% | 2,188 |
| Net operating income to assets | 0.9120% | 2,482 |
| Return on assets (ROA) | 0.9120% | 2,590 |
| Pretax return on assets | 0.9120% | 3,105 |
| Return on Equity (ROE) | 8.3021% | 2,384 |
| Retained earnings to average equity (ytd only) | 8.3021% | 1,140 |
| Net charge-offs to loans | 0.0301% | 1,777 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 42.8889% | 996 |
| Efficiency ratio | 79.7588% | 1,161 |
| Assets per employee ($millions) | 3.6050% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,587 |
| Loan loss allowance to noncurrent loans | 53.1481% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.9113% | 452 |
| Noncurrent loans to loans | 1.9235% | 757 |
| Net loans and leases to total assets | 78.2679% | 938 |
| Net loans and leases to deposits | 88.3497% | 1,719 |
| Net loans and leases to core deposits | 100.5387% | 1,430 |
| Total domestic deposits to total assets | 88.5888% | 843 |
| Equity capital to assets | 11.0493% | 2,817 |
| Core capital (leverage) ratio | 11.0684% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8266% | 2,356 |
| Memoranda: | ||
| Average total assets | $149,562,000 | 3,325 |
| Average earning assets | $137,938,500 | 3,340 |
| Average equity | $16,429,500 | 3,520 |
| Average total loans | $119,546,000 | 2,962 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8645% | 289 |
| Cost of funding earning assets | 0.6361% | 3,477 |
| Net interest margin | 5.2284% | 180 |
| Noninterest income to average assets | 0.7461% | 1,643 |
| Noninterest expense to average assets | 4.2458% | 399 |
| Loan and lease loss provision to assets | 0.2950% | 574 |
| Net operating income to assets | 1.0198% | 2,772 |
| Return on assets (ROA) | 1.0240% | 2,845 |
| Pretax return on assets | 1.0240% | 3,404 |
| Return on Equity (ROE) | 9.4148% | 2,566 |
| Retained earnings to average equity (ytd only) | 9.4148% | 611 |
| Net charge-offs to loans | 0.2103% | 974 |
| Credit loss provision to net charge-offs | 171.7842% | 1,511 |
| Earnings coverage of net charge-offs (x) | 7.6556% | 2,855 |
| Efficiency ratio | 76.3552% | 1,322 |
| Assets per employee ($millions) | 3.4352% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,552 |
| Loan loss allowance to noncurrent loans | 65.2747% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.6322% | 586 |
| Noncurrent loans to loans | 1.5248% | 942 |
| Net loans and leases to total assets | 80.0023% | 793 |
| Net loans and leases to deposits | 90.1527% | 1,569 |
| Net loans and leases to core deposits | 101.2570% | 1,464 |
| Total domestic deposits to total assets | 88.7409% | 774 |
| Equity capital to assets | 10.9192% | 3,079 |
| Core capital (leverage) ratio | 10.9562% | 2,537 |
| Tier 1 risk-based capital ratio | 12.7766% | 3,907 |
| Total risk-based capital ratio | 13.7221% | 3,964 |
| Memoranda: | ||
| Average total assets | $140,327,000 | 3,431 |
| Average earning assets | $129,217,800 | 3,437 |
| Average equity | $15,263,200 | 3,615 |
| Average total loans | $114,588,200 | 3,009 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9125% | 283 |
| Cost of funding earning assets | 0.6054% | 3,673 |
| Net interest margin | 5.3072% | 163 |
| Noninterest income to average assets | 0.7452% | 1,608 |
| Noninterest expense to average assets | 4.3114% | 359 |
| Loan and lease loss provision to assets | 0.3264% | 427 |
| Net operating income to assets | 0.9946% | 2,999 |
| Return on assets (ROA) | 1.0004% | 3,057 |
| Pretax return on assets | 1.0004% | 3,600 |
| Return on Equity (ROE) | 9.2066% | 2,800 |
| Retained earnings to average equity (ytd only) | 9.2066% | 989 |
| Net charge-offs to loans | 0.2869% | 615 |
| Credit loss provision to net charge-offs | 138.9344% | 1,731 |
| Earnings coverage of net charge-offs (x) | 5.6229% | 2,902 |
| Efficiency ratio | 76.5470% | 1,265 |
| Assets per employee ($millions) | 3.4619% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 3,900 |
| Loan loss allowance to noncurrent loans | 123.4705% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.1520% | 1,124 |
| Noncurrent loans to loans | 0.7572% | 2,073 |
| Net loans and leases to total assets | 80.8938% | 718 |
| Net loans and leases to deposits | 91.1238% | 1,552 |
| Net loans and leases to core deposits | 104.0978% | 1,315 |
| Total domestic deposits to total assets | 88.7736% | 702 |
| Equity capital to assets | 10.8220% | 3,272 |
| Core capital (leverage) ratio | 11.1466% | 2,517 |
| Tier 1 risk-based capital ratio | 12.5149% | 4,136 |
| Total risk-based capital ratio | 13.4026% | 4,226 |
| Memoranda: | ||
| Average total assets | $138,480,750 | 3,492 |
| Average earning assets | $127,522,250 | 3,494 |
| Average equity | $15,046,750 | 3,668 |
| Average total loans | $113,395,000 | 3,068 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9665% | 249 |
| Cost of funding earning assets | 0.5777% | 3,760 |
| Net interest margin | 5.3889% | 154 |
| Noninterest income to average assets | 0.7461% | 1,537 |
| Noninterest expense to average assets | 4.4619% | 319 |
| Loan and lease loss provision to assets | 0.3305% | 396 |
| Net operating income to assets | 0.9135% | 3,231 |
| Return on assets (ROA) | 0.9223% | 3,263 |
| Pretax return on assets | 0.9223% | 3,781 |
| Return on Equity (ROE) | 8.4766% | 3,078 |
| Retained earnings to average equity (ytd only) | 8.4766% | 1,217 |
| Net charge-offs to loans | 0.4157% | 403 |
| Credit loss provision to net charge-offs | 96.9828% | 2,048 |
| Earnings coverage of net charge-offs (x) | 3.6509% | 2,814 |
| Efficiency ratio | 78.1982% | 1,122 |
| Assets per employee ($millions) | 3.2835% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 4,100 |
| Loan loss allowance to noncurrent loans | 109.6844% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.2305% | 1,066 |
| Noncurrent loans to loans | 0.8189% | 1,954 |
| Net loans and leases to total assets | 80.6400% | 789 |
| Net loans and leases to deposits | 91.0199% | 1,624 |
| Net loans and leases to core deposits | 101.9312% | 1,562 |
| Total domestic deposits to total assets | 88.5960% | 832 |
| Equity capital to assets | 11.0849% | 2,959 |
| Core capital (leverage) ratio | 11.0946% | 2,506 |
| Tier 1 risk-based capital ratio | 13.0814% | 3,798 |
| Total risk-based capital ratio | 13.9472% | 3,912 |
| Memoranda: | ||
| Average total assets | $136,175,000 | 3,542 |
| Average earning assets | $125,332,330 | 3,544 |
| Average equity | $14,817,330 | 3,690 |
| Average total loans | $111,617,330 | 3,106 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7777% | 324 |
| Cost of funding earning assets | 0.5544% | 3,804 |
| Net interest margin | 5.2233% | 194 |
| Noninterest income to average assets | 0.7272% | 1,521 |
| Noninterest expense to average assets | 4.3900% | 337 |
| Loan and lease loss provision to assets | 0.1715% | 976 |
| Net operating income to assets | 0.9844% | 2,906 |
| Return on assets (ROA) | 0.9844% | 2,946 |
| Pretax return on assets | 0.9844% | 3,493 |
| Return on Equity (ROE) | 9.1342% | 2,749 |
| Retained earnings to average equity (ytd only) | 9.1342% | 1,271 |
| Net charge-offs to loans | -0.0072% | 4,116 |
| Credit loss provision to net charge-offs | -2,900.0000% | 4,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1578% | 1,140 |
| Assets per employee ($millions) | 3.1888% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 3,941 |
| Loan loss allowance to noncurrent loans | 121.7441% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 1,690 |
| Noncurrent loans to loans | 0.7865% | 2,070 |
| Net loans and leases to total assets | 81.0994% | 699 |
| Net loans and leases to deposits | 92.9393% | 1,290 |
| Net loans and leases to core deposits | 104.4288% | 1,285 |
| Total domestic deposits to total assets | 87.2605% | 1,682 |
| Equity capital to assets | 10.8418% | 3,005 |
| Core capital (leverage) ratio | 11.0534% | 2,526 |
| Tier 1 risk-based capital ratio | 13.2502% | 3,738 |
| Total risk-based capital ratio | 14.2043% | 3,797 |
| Memoranda: | ||
| Average total assets | $135,308,500 | 3,592 |
| Average earning assets | $124,824,500 | 3,586 |
| Average equity | $14,582,500 | 3,730 |
| Average total loans | $111,317,500 | 3,148 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6175% | 325 |
| Cost of funding earning assets | 0.4100% | 3,928 |
| Net interest margin | 5.2075% | 187 |
| Noninterest income to average assets | 0.6865% | 1,904 |
| Noninterest expense to average assets | 4.6276% | 270 |
| Loan and lease loss provision to assets | 0.1362% | 1,584 |
| Net operating income to assets | 0.7100% | 4,110 |
| Return on assets (ROA) | 0.7100% | 4,114 |
| Pretax return on assets | 0.7100% | 4,387 |
| Return on Equity (ROE) | 6.8251% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.8251% | 1,742 |
| Net charge-offs to loans | 0.2150% | 893 |
| Credit loss provision to net charge-offs | 76.9231% | 2,908 |
| Earnings coverage of net charge-offs (x) | 4.7778% | 3,258 |
| Efficiency ratio | 84.5409% | 611 |
| Assets per employee ($millions) | 3.0341% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 4,086 |
| Loan loss allowance to noncurrent loans | 114.3018% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 1,611 |
| Noncurrent loans to loans | 0.8046% | 1,993 |
| Net loans and leases to total assets | 81.9056% | 666 |
| Net loans and leases to deposits | 92.9946% | 1,401 |
| Net loans and leases to core deposits | 107.5628% | 1,153 |
| Total domestic deposits to total assets | 88.0757% | 1,267 |
| Equity capital to assets | 10.7109% | 2,968 |
| Core capital (leverage) ratio | 10.8713% | 2,656 |
| Tier 1 risk-based capital ratio | 13.2515% | 3,695 |
| Total risk-based capital ratio | 14.1733% | 3,777 |
| Memoranda: | ||
| Average total assets | $132,119,000 | 3,624 |
| Average earning assets | $121,460,000 | 3,622 |
| Average equity | $13,743,400 | 3,784 |
| Average total loans | $108,820,200 | 3,153 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 318 |
| Cost of funding earning assets | 0.3790% | 4,002 |
| Net interest margin | 5.1815% | 186 |
| Noninterest income to average assets | 0.7619% | 1,621 |
| Noninterest expense to average assets | 4.7322% | 244 |
| Loan and lease loss provision to assets | 0.1366% | 1,466 |
| Net operating income to assets | 0.6516% | 4,364 |
| Return on assets (ROA) | 0.6516% | 4,378 |
| Pretax return on assets | 0.6516% | 4,636 |
| Return on Equity (ROE) | 6.3115% | 4,165 |
| Retained earnings to average equity (ytd only) | 6.3115% | 2,483 |
| Net charge-offs to loans | 0.2545% | 665 |
| Credit loss provision to net charge-offs | 65.2174% | 2,681 |
| Earnings coverage of net charge-offs (x) | 3.7633% | 3,128 |
| Efficiency ratio | 85.7221% | 533 |
| Assets per employee ($millions) | 3.0050% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 4,201 |
| Loan loss allowance to noncurrent loans | 282.4363% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 2,618 |
| Noncurrent loans to loans | 0.3244% | 3,509 |
| Net loans and leases to total assets | 81.5535% | 789 |
| Net loans and leases to deposits | 91.6073% | 1,671 |
| Net loans and leases to core deposits | 104.3136% | 1,435 |
| Total domestic deposits to total assets | 89.0251% | 836 |
| Equity capital to assets | 10.4561% | 3,184 |
| Core capital (leverage) ratio | 10.8285% | 2,763 |
| Tier 1 risk-based capital ratio | 12.9158% | 3,956 |
| Total risk-based capital ratio | 13.8169% | 4,058 |
| Memoranda: | ||
| Average total assets | $131,773,750 | 3,662 |
| Average earning assets | $121,017,500 | 3,664 |
| Average equity | $13,604,500 | 3,829 |
| Average total loans | $108,435,500 | 3,183 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4733% | 333 |
| Cost of funding earning assets | 0.3443% | 4,112 |
| Net interest margin | 5.1291% | 193 |
| Noninterest income to average assets | 0.7886% | 1,503 |
| Noninterest expense to average assets | 4.7696% | 244 |
| Loan and lease loss provision to assets | 0.1352% | 1,454 |
| Net operating income to assets | 0.5926% | 4,516 |
| Return on assets (ROA) | 0.5926% | 4,519 |
| Pretax return on assets | 0.5926% | 4,749 |
| Return on Equity (ROE) | 5.7645% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.7645% | 2,691 |
| Net charge-offs to loans | -0.0092% | 4,297 |
| Credit loss provision to net charge-offs | -1,780.0000% | 4,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7606% | 532 |
| Assets per employee ($millions) | 2.9051% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,392 |
| Loan loss allowance to noncurrent loans | 68.7759% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.5605% | 836 |
| Noncurrent loans to loans | 1.5683% | 1,042 |
| Net loans and leases to total assets | 81.5885% | 757 |
| Net loans and leases to deposits | 91.6000% | 1,633 |
| Net loans and leases to core deposits | 102.8643% | 1,501 |
| Total domestic deposits to total assets | 89.0704% | 906 |
| Equity capital to assets | 10.4293% | 3,184 |
| Core capital (leverage) ratio | 10.6641% | 2,849 |
| Tier 1 risk-based capital ratio | 12.9875% | 3,900 |
| Total risk-based capital ratio | 14.0640% | 3,911 |
| Memoranda: | ||
| Average total assets | $131,625,000 | 3,682 |
| Average earning assets | $120,840,330 | 3,692 |
| Average equity | $13,531,000 | 3,863 |
| Average total loans | $108,305,000 | 3,198 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3733% | 351 |
| Cost of funding earning assets | 0.3393% | 4,069 |
| Net interest margin | 5.0340% | 220 |
| Noninterest income to average assets | 0.8510% | 1,298 |
| Noninterest expense to average assets | 4.6610% | 260 |
| Loan and lease loss provision to assets | 0.1333% | 1,416 |
| Net operating income to assets | 0.6845% | 4,157 |
| Return on assets (ROA) | 0.6845% | 4,160 |
| Pretax return on assets | 0.6845% | 4,489 |
| Return on Equity (ROE) | 6.7065% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.7065% | 2,413 |
| Net charge-offs to loans | -0.0332% | 4,782 |
| Credit loss provision to net charge-offs | -488.8889% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0746% | 707 |
| Assets per employee ($millions) | 2.7329% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,649 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.5490% | 883 |
| Noncurrent loans to loans | 1.5774% | 1,101 |
| Net loans and leases to total assets | 80.4809% | 876 |
| Net loans and leases to deposits | 91.7373% | 1,482 |
| Net loans and leases to core deposits | 99.9432% | 1,692 |
| Total domestic deposits to total assets | 87.7297% | 1,774 |
| Equity capital to assets | 10.2966% | 3,290 |
| Core capital (leverage) ratio | 10.5765% | 2,865 |
| Tier 1 risk-based capital ratio | 12.8815% | 4,014 |
| Total risk-based capital ratio | 13.9239% | 4,030 |
| Memoranda: | ||
| Average total assets | $132,073,500 | 3,713 |
| Average earning assets | $121,414,500 | 3,726 |
| Average equity | $13,479,500 | 3,905 |
| Average total loans | $108,546,500 | 3,220 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 337 |
| Cost of funding earning assets | 0.2544% | 4,523 |
| Net interest margin | 5.0931% | 198 |
| Noninterest income to average assets | 1.4157% | 530 |
| Noninterest expense to average assets | 4.9599% | 222 |
| Loan and lease loss provision to assets | 0.2855% | 617 |
| Net operating income to assets | 0.8494% | 2,957 |
| Return on assets (ROA) | 0.8494% | 2,980 |
| Pretax return on assets | 0.8494% | 4,096 |
| Return on Equity (ROE) | 8.3801% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.3801% | 651 |
| Net charge-offs to loans | 0.1273% | 1,776 |
| Credit loss provision to net charge-offs | 271.6418% | 1,028 |
| Earnings coverage of net charge-offs (x) | 10.7985% | 2,632 |
| Efficiency ratio | 81.3795% | 974 |
| Assets per employee ($millions) | 2.8291% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 4,110 |
| Loan loss allowance to noncurrent loans | 73.8260% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.3627% | 1,045 |
| Noncurrent loans to loans | 1.3116% | 1,324 |
| Net loans and leases to total assets | 82.2213% | 652 |
| Net loans and leases to deposits | 96.3539% | 1,056 |
| Net loans and leases to core deposits | 105.2222% | 1,326 |
| Total domestic deposits to total assets | 85.3326% | 2,713 |
| Equity capital to assets | 10.1167% | 3,578 |
| Core capital (leverage) ratio | 10.5508% | 2,784 |
| Tier 1 risk-based capital ratio | 12.6562% | 4,113 |
| Total risk-based capital ratio | 13.6485% | 4,175 |
| Memoranda: | ||
| Average total assets | $127,501,600 | 3,789 |
| Average earning assets | $117,137,800 | 3,802 |
| Average equity | $12,923,400 | 3,991 |
| Average total loans | $105,271,800 | 3,259 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3912% | 301 |
| Cost of funding earning assets | 0.2430% | 4,633 |
| Net interest margin | 5.1482% | 178 |
| Noninterest income to average assets | 1.3541% | 570 |
| Noninterest expense to average assets | 4.9882% | 223 |
| Loan and lease loss provision to assets | 0.2854% | 566 |
| Net operating income to assets | 0.8065% | 3,499 |
| Return on assets (ROA) | 0.8065% | 3,544 |
| Pretax return on assets | 0.8065% | 4,334 |
| Return on Equity (ROE) | 7.9532% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.9532% | 1,244 |
| Net charge-offs to loans | 0.1436% | 1,387 |
| Credit loss provision to net charge-offs | 241.0714% | 1,164 |
| Earnings coverage of net charge-offs (x) | 9.2232% | 2,714 |
| Efficiency ratio | 82.0410% | 912 |
| Assets per employee ($millions) | 2.6387% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 4,341 |
| Loan loss allowance to noncurrent loans | 402.0161% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 3,149 |
| Noncurrent loans to loans | 0.2353% | 4,120 |
| Net loans and leases to total assets | 80.7530% | 879 |
| Net loans and leases to deposits | 90.2991% | 1,777 |
| Net loans and leases to core deposits | 100.3585% | 1,676 |
| Total domestic deposits to total assets | 89.4283% | 682 |
| Equity capital to assets | 10.2507% | 3,636 |
| Core capital (leverage) ratio | 10.3641% | 3,118 |
| Tier 1 risk-based capital ratio | 12.9286% | 4,061 |
| Total risk-based capital ratio | 13.8974% | 4,131 |
| Memoranda: | ||
| Average total assets | $126,135,000 | 3,846 |
| Average earning assets | $115,791,000 | 3,859 |
| Average equity | $12,791,250 | 4,051 |
| Average total loans | $103,990,500 | 3,308 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3705% | 292 |
| Cost of funding earning assets | 0.2319% | 4,697 |
| Net interest margin | 5.1386% | 176 |
| Noninterest income to average assets | 1.2872% | 629 |
| Noninterest expense to average assets | 4.9344% | 226 |
| Loan and lease loss provision to assets | 0.2862% | 548 |
| Net operating income to assets | 0.7787% | 3,491 |
| Return on assets (ROA) | 0.7787% | 3,544 |
| Pretax return on assets | 0.7787% | 4,346 |
| Return on Equity (ROE) | 7.7075% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.7075% | 1,282 |
| Net charge-offs to loans | 0.0908% | 1,704 |
| Credit loss provision to net charge-offs | 380.8511% | 811 |
| Earnings coverage of net charge-offs (x) | 14.1702% | 2,089 |
| Efficiency ratio | 82.2495% | 980 |
| Assets per employee ($millions) | 2.6269% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,532 |
| Loan loss allowance to noncurrent loans | 471.3592% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 3,286 |
| Noncurrent loans to loans | 0.1965% | 4,331 |
| Net loans and leases to total assets | 80.6773% | 857 |
| Net loans and leases to deposits | 91.6453% | 1,544 |
| Net loans and leases to core deposits | 99.0377% | 1,724 |
| Total domestic deposits to total assets | 88.0321% | 1,444 |
| Equity capital to assets | 10.0770% | 3,823 |
| Core capital (leverage) ratio | 10.2128% | 3,255 |
| Tier 1 risk-based capital ratio | 12.5522% | 4,269 |
| Total risk-based capital ratio | 13.4884% | 4,352 |
| Memoranda: | ||
| Average total assets | $125,080,670 | 3,878 |
| Average earning assets | $114,699,670 | 3,899 |
| Average equity | $12,637,000 | 4,092 |
| Average total loans | $103,517,670 | 3,326 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3313% | 305 |
| Cost of funding earning assets | 0.2267% | 4,739 |
| Net interest margin | 5.1045% | 184 |
| Noninterest income to average assets | 1.0839% | 850 |
| Noninterest expense to average assets | 4.9066% | 245 |
| Loan and lease loss provision to assets | 0.2888% | 486 |
| Net operating income to assets | 0.5647% | 4,309 |
| Return on assets (ROA) | 0.5647% | 4,353 |
| Pretax return on assets | 0.5647% | 4,805 |
| Return on Equity (ROE) | 5.5814% | 4,102 |
| Retained earnings to average equity (ytd only) | 5.5814% | 2,549 |
| Net charge-offs to loans | -0.0039% | 4,117 |
| Credit loss provision to net charge-offs | -8,900.0000% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1831% | 872 |
| Assets per employee ($millions) | 2.6539% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,803 |
| Loan loss allowance to noncurrent loans | 385.4772% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 3,280 |
| Noncurrent loans to loans | 0.2305% | 4,290 |
| Net loans and leases to total assets | 83.0889% | 450 |
| Net loans and leases to deposits | 92.8916% | 1,237 |
| Net loans and leases to core deposits | 101.7045% | 1,387 |
| Total domestic deposits to total assets | 89.4472% | 925 |
| Equity capital to assets | 10.0918% | 3,642 |
| Core capital (leverage) ratio | 10.3064% | 3,101 |
| Tier 1 risk-based capital ratio | 12.4991% | 4,391 |
| Total risk-based capital ratio | 13.4137% | 4,503 |
| Memoranda: | ||
| Average total assets | $123,261,500 | 3,946 |
| Average earning assets | $112,919,000 | 3,966 |
| Average equity | $12,470,000 | 4,141 |
| Average total loans | $102,867,500 | 3,365 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5875% | 221 |
| Cost of funding earning assets | 0.2174% | 4,863 |
| Net interest margin | 5.3701% | 134 |
| Noninterest income to average assets | 1.0716% | 983 |
| Noninterest expense to average assets | 5.2940% | 227 |
| Loan and lease loss provision to assets | 0.3269% | 551 |
| Net operating income to assets | 0.4115% | 4,902 |
| Return on assets (ROA) | 0.4115% | 4,982 |
| Pretax return on assets | 0.4115% | 5,208 |
| Return on Equity (ROE) | 3.7500% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.7500% | 3,248 |
| Net charge-offs to loans | 0.1847% | 1,500 |
| Credit loss provision to net charge-offs | 213.5294% | 1,334 |
| Earnings coverage of net charge-offs (x) | 4.8235% | 3,440 |
| Efficiency ratio | 87.7594% | 696 |
| Assets per employee ($millions) | 2.6476% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 5,024 |
| Loan loss allowance to noncurrent loans | 363.2035% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 2,944 |
| Noncurrent loans to loans | 0.2283% | 4,331 |
| Net loans and leases to total assets | 82.3776% | 556 |
| Net loans and leases to deposits | 92.4885% | 1,372 |
| Net loans and leases to core deposits | 104.3215% | 1,256 |
| Total domestic deposits to total assets | 89.0679% | 1,083 |
| Equity capital to assets | 10.1422% | 3,559 |
| Core capital (leverage) ratio | 10.3070% | 3,100 |
| Tier 1 risk-based capital ratio | 12.4422% | 4,411 |
| Total risk-based capital ratio | 13.2763% | 4,595 |
| Memoranda: | ||
| Average total assets | $111,049,600 | 4,145 |
| Average earning assets | $102,586,400 | 4,150 |
| Average equity | $12,186,600 | 4,226 |
| Average total loans | $92,037,800 | 3,534 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3858% | 305 |
| Cost of funding earning assets | 0.2126% | 4,949 |
| Net interest margin | 5.1732% | 180 |
| Noninterest income to average assets | 1.1012% | 935 |
| Noninterest expense to average assets | 5.2439% | 230 |
| Loan and lease loss provision to assets | 0.3076% | 546 |
| Net operating income to assets | 0.3396% | 5,187 |
| Return on assets (ROA) | 0.3396% | 5,270 |
| Pretax return on assets | 0.3396% | 5,397 |
| Return on Equity (ROE) | 3.0299% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.0299% | 4,097 |
| Net charge-offs to loans | 0.1411% | 1,582 |
| Credit loss provision to net charge-offs | 263.1579% | 1,155 |
| Earnings coverage of net charge-offs (x) | 5.5370% | 3,119 |
| Efficiency ratio | 89.0142% | 614 |
| Assets per employee ($millions) | 2.5377% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 5,134 |
| Loan loss allowance to noncurrent loans | 333.7500% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 2,920 |
| Noncurrent loans to loans | 0.2455% | 4,391 |
| Net loans and leases to total assets | 83.0441% | 506 |
| Net loans and leases to deposits | 93.1989% | 1,346 |
| Net loans and leases to core deposits | 101.9852% | 1,482 |
| Total domestic deposits to total assets | 89.1041% | 854 |
| Equity capital to assets | 10.5772% | 3,480 |
| Core capital (leverage) ratio | 10.9038% | 2,559 |
| Tier 1 risk-based capital ratio | 12.7037% | 4,340 |
| Total risk-based capital ratio | 13.5296% | 4,522 |
| Memoranda: | ||
| Average total assets | $108,365,000 | 4,230 |
| Average earning assets | $100,335,750 | 4,228 |
| Average equity | $12,145,250 | 4,264 |
| Average total loans | $89,756,000 | 3,600 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3287% | 338 |
| Cost of funding earning assets | 0.2082% | 5,063 |
| Net interest margin | 5.1206% | 201 |
| Noninterest income to average assets | 0.9983% | 1,120 |
| Noninterest expense to average assets | 5.2853% | 234 |
| Loan and lease loss provision to assets | 0.2671% | 697 |
| Net operating income to assets | 0.1989% | 5,525 |
| Return on assets (ROA) | 0.1989% | 5,583 |
| Pretax return on assets | 0.1989% | 5,621 |
| Return on Equity (ROE) | 1.7387% | 5,569 |
| Retained earnings to average equity (ytd only) | 1.7387% | 4,692 |
| Net charge-offs to loans | 0.2113% | 1,111 |
| Credit loss provision to net charge-offs | 153.2609% | 1,564 |
| Earnings coverage of net charge-offs (x) | 2.6739% | 3,236 |
| Efficiency ratio | 91.8972% | 502 |
| Assets per employee ($millions) | 2.4223% | 5,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 5,405 |
| Loan loss allowance to noncurrent loans | 211.2462% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 2,831 |
| Noncurrent loans to loans | 0.3550% | 4,097 |
| Net loans and leases to total assets | 84.3920% | 390 |
| Net loans and leases to deposits | 95.5323% | 1,127 |
| Net loans and leases to core deposits | 101.2671% | 1,535 |
| Total domestic deposits to total assets | 88.3387% | 1,256 |
| Equity capital to assets | 11.1558% | 2,893 |
| Core capital (leverage) ratio | 11.3632% | 2,089 |
| Tier 1 risk-based capital ratio | 13.6711% | 3,787 |
| Total risk-based capital ratio | 14.4538% | 3,989 |
| Memoranda: | ||
| Average total assets | $105,576,000 | 4,323 |
| Average earning assets | $97,997,000 | 4,307 |
| Average equity | $12,078,000 | 4,305 |
| Average total loans | $87,094,670 | 3,666 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 397 |
| Cost of funding earning assets | 0.2079% | 5,127 |
| Net interest margin | 5.0175% | 241 |
| Noninterest income to average assets | 0.9397% | 1,211 |
| Noninterest expense to average assets | 5.3494% | 228 |
| Loan and lease loss provision to assets | 0.1463% | 1,444 |
| Net operating income to assets | 0.0924% | 5,694 |
| Return on assets (ROA) | 0.0924% | 5,737 |
| Pretax return on assets | 0.0924% | 5,742 |
| Return on Equity (ROE) | 0.7975% | 5,726 |
| Retained earnings to average equity (ytd only) | 0.7975% | 4,901 |
| Net charge-offs to loans | -0.0569% | 5,389 |
| Credit loss provision to net charge-offs | -316.6667% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7271% | 403 |
| Assets per employee ($millions) | 2.3674% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 5,402 |
| Loan loss allowance to noncurrent loans | 151.3043% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 2,503 |
| Noncurrent loans to loans | 0.5207% | 3,624 |
| Net loans and leases to total assets | 84.1482% | 358 |
| Net loans and leases to deposits | 95.7088% | 968 |
| Net loans and leases to core deposits | 99.7337% | 1,505 |
| Total domestic deposits to total assets | 87.9211% | 1,687 |
| Equity capital to assets | 11.5691% | 2,376 |
| Core capital (leverage) ratio | 11.8555% | 1,707 |
| Tier 1 risk-based capital ratio | 14.1589% | 3,592 |
| Total risk-based capital ratio | 14.9770% | 3,788 |
| Memoranda: | ||
| Average total assets | $103,863,000 | 4,391 |
| Average earning assets | $96,222,500 | 4,377 |
| Average equity | $12,037,000 | 4,327 |
| Average total loans | $84,300,000 | 3,746 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 540 |
| Cost of funding earning assets | 0.2356% | 4,944 |
| Net interest margin | 4.8385% | 339 |
| Noninterest income to average assets | 0.4589% | 3,600 |
| Noninterest expense to average assets | 4.6321% | 374 |
| Loan and lease loss provision to assets | 0.0399% | 3,540 |
| Net operating income to assets | 0.2534% | 5,476 |
| Return on assets (ROA) | 0.2534% | 5,544 |
| Pretax return on assets | 0.2534% | 5,609 |
| Return on Equity (ROE) | 2.1007% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.1007% | 4,527 |
| Net charge-offs to loans | 0.1896% | 1,528 |
| Credit loss provision to net charge-offs | 27.7778% | 3,678 |
| Earnings coverage of net charge-offs (x) | 2.0417% | 3,986 |
| Efficiency ratio | 94.0450% | 482 |
| Assets per employee ($millions) | 2.4084% | 5,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 5,396 |
| Loan loss allowance to noncurrent loans | 190.0000% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 2,775 |
| Noncurrent loans to loans | 0.4237% | 3,940 |
| Net loans and leases to total assets | 76.8677% | 1,274 |
| Net loans and leases to deposits | 87.0723% | 1,991 |
| Net loans and leases to core deposits | 89.5475% | 2,448 |
| Total domestic deposits to total assets | 88.2803% | 1,485 |
| Equity capital to assets | 11.6096% | 2,275 |
| Core capital (leverage) ratio | 11.8764% | 1,703 |
| Tier 1 risk-based capital ratio | 15.3143% | 3,032 |
| Total risk-based capital ratio | 16.1380% | 3,160 |
| Memoranda: | ||
| Average total assets | $100,234,800 | 4,458 |
| Average earning assets | $92,529,000 | 4,462 |
| Average equity | $12,091,200 | 4,289 |
| Average total loans | $75,940,000 | 3,943 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 539 |
| Cost of funding earning assets | 0.2427% | 4,963 |
| Net interest margin | 4.8360% | 349 |
| Noninterest income to average assets | 0.6532% | 2,462 |
| Noninterest expense to average assets | 4.3163% | 481 |
| Loan and lease loss provision to assets | 0.0295% | 3,648 |
| Net operating income to assets | 0.7699% | 3,579 |
| Return on assets (ROA) | 0.7699% | 3,670 |
| Pretax return on assets | 0.7699% | 4,428 |
| Return on Equity (ROE) | 6.3206% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.3206% | 2,056 |
| Net charge-offs to loans | 0.2440% | 1,072 |
| Credit loss provision to net charge-offs | 16.0584% | 3,392 |
| Earnings coverage of net charge-offs (x) | 4.3504% | 3,360 |
| Efficiency ratio | 84.3734% | 1,133 |
| Assets per employee ($millions) | 2.6455% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 5,397 |
| Loan loss allowance to noncurrent loans | 188.9881% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 2,998 |
| Noncurrent loans to loans | 0.4457% | 4,011 |
| Net loans and leases to total assets | 72.4589% | 1,990 |
| Net loans and leases to deposits | 85.2448% | 2,244 |
| Net loans and leases to core deposits | 87.8524% | 2,675 |
| Total domestic deposits to total assets | 85.0009% | 3,003 |
| Equity capital to assets | 11.9595% | 2,137 |
| Core capital (leverage) ratio | 12.3224% | 1,502 |
| Tier 1 risk-based capital ratio | 16.9561% | 2,397 |
| Total risk-based capital ratio | 17.8299% | 2,492 |
| Memoranda: | ||
| Average total assets | $99,403,250 | 4,524 |
| Average earning assets | $91,726,750 | 4,522 |
| Average equity | $12,108,250 | 4,338 |
| Average total loans | $74,862,250 | 4,014 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 455 |
| Cost of funding earning assets | 0.2565% | 4,876 |
| Net interest margin | 4.9036% | 298 |
| Noninterest income to average assets | 0.9557% | 1,288 |
| Noninterest expense to average assets | 4.1978% | 544 |
| Loan and lease loss provision to assets | 0.0204% | 3,726 |
| Net operating income to assets | 1.2573% | 1,436 |
| Return on assets (ROA) | 1.2573% | 1,490 |
| Pretax return on assets | 1.2573% | 2,519 |
| Return on Equity (ROE) | 10.2566% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.2566% | 624 |
| Net charge-offs to loans | 0.0509% | 2,695 |
| Credit loss provision to net charge-offs | 52.6316% | 2,675 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,284 |
| Efficiency ratio | 76.6654% | 2,256 |
| Assets per employee ($millions) | 2.6763% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 4,782 |
| Loan loss allowance to noncurrent loans | 199.1935% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 3,393 |
| Noncurrent loans to loans | 0.5103% | 3,925 |
| Net loans and leases to total assets | 70.9462% | 2,169 |
| Net loans and leases to deposits | 84.1670% | 2,294 |
| Net loans and leases to core deposits | 88.7895% | 2,476 |
| Total domestic deposits to total assets | 84.2922% | 3,451 |
| Equity capital to assets | 12.1690% | 1,900 |
| Core capital (leverage) ratio | 12.5392% | 1,359 |
| Tier 1 risk-based capital ratio | 17.2070% | 2,326 |
| Total risk-based capital ratio | 18.2389% | 2,357 |
| Memoranda: | ||
| Average total assets | $98,146,670 | 4,589 |
| Average earning assets | $90,463,670 | 4,587 |
| Average equity | $12,031,330 | 4,377 |
| Average total loans | $74,685,330 | 4,038 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2395% | 385 |
| Cost of funding earning assets | 0.2829% | 4,633 |
| Net interest margin | 4.9566% | 267 |
| Noninterest income to average assets | 0.5603% | 2,887 |
| Noninterest expense to average assets | 4.1673% | 572 |
| Loan and lease loss provision to assets | 0.0415% | 3,085 |
| Net operating income to assets | 0.9339% | 2,588 |
| Return on assets (ROA) | 0.9339% | 2,716 |
| Pretax return on assets | 0.9339% | 3,766 |
| Return on Equity (ROE) | 7.5892% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.5892% | 1,726 |
| Net charge-offs to loans | 0.1323% | 1,454 |
| Credit loss provision to net charge-offs | 40.0000% | 2,184 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 2,013 |
| Efficiency ratio | 81.0331% | 1,756 |
| Assets per employee ($millions) | 2.7416% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 5,138 |
| Loan loss allowance to noncurrent loans | 194.4444% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 3,516 |
| Noncurrent loans to loans | 0.5027% | 4,073 |
| Net loans and leases to total assets | 75.4450% | 1,285 |
| Net loans and leases to deposits | 87.9905% | 1,610 |
| Net loans and leases to core deposits | 93.1940% | 1,835 |
| Total domestic deposits to total assets | 85.7422% | 3,071 |
| Equity capital to assets | 12.1331% | 1,935 |
| Core capital (leverage) ratio | 12.4248% | 1,394 |
| Tier 1 risk-based capital ratio | 16.5325% | 2,668 |
| Total risk-based capital ratio | 17.5489% | 2,719 |
| Memoranda: | ||
| Average total assets | $96,369,500 | 4,661 |
| Average earning assets | $89,093,000 | 4,655 |
| Average equity | $11,859,000 | 4,437 |
| Average total loans | $75,581,000 | 4,036 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 318 |
| Cost of funding earning assets | 0.3632% | 4,106 |
| Net interest margin | 5.1317% | 237 |
| Noninterest income to average assets | 0.8448% | 1,701 |
| Noninterest expense to average assets | 4.4935% | 465 |
| Loan and lease loss provision to assets | 0.0528% | 3,500 |
| Net operating income to assets | 1.1184% | 1,911 |
| Return on assets (ROA) | 1.1236% | 1,946 |
| Pretax return on assets | 1.1236% | 2,992 |
| Return on Equity (ROE) | 9.5426% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.5426% | 597 |
| Net charge-offs to loans | 0.0483% | 3,858 |
| Credit loss provision to net charge-offs | 142.8571% | 1,664 |
| Earnings coverage of net charge-offs (x) | 31.6857% | 1,282 |
| Efficiency ratio | 79.3251% | 2,023 |
| Assets per employee ($millions) | 2.6123% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 5,127 |
| Loan loss allowance to noncurrent loans | 271.7391% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.5838% | 3,840 |
| Noncurrent loans to loans | 0.3633% | 4,564 |
| Net loans and leases to total assets | 79.9802% | 744 |
| Net loans and leases to deposits | 93.7410% | 1,103 |
| Net loans and leases to core deposits | 97.8445% | 1,563 |
| Total domestic deposits to total assets | 85.3204% | 3,153 |
| Equity capital to assets | 12.4870% | 1,662 |
| Core capital (leverage) ratio | 12.4657% | 1,371 |
| Tier 1 risk-based capital ratio | 17.2058% | 2,425 |
| Total risk-based capital ratio | 18.3066% | 2,442 |
| Memoranda: | ||
| Average total assets | $94,692,000 | 4,731 |
| Average earning assets | $88,936,600 | 4,679 |
| Average equity | $11,150,000 | 4,530 |
| Average total loans | $72,490,400 | 4,112 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 480 |
| Cost of funding earning assets | 0.3808% | 4,008 |
| Net interest margin | 4.8612% | 369 |
| Noninterest income to average assets | 0.9207% | 1,449 |
| Noninterest expense to average assets | 4.4741% | 473 |
| Loan and lease loss provision to assets | 0.0633% | 3,089 |
| Net operating income to assets | 0.9586% | 2,650 |
| Return on assets (ROA) | 0.9657% | 2,685 |
| Pretax return on assets | 0.9657% | 3,735 |
| Return on Equity (ROE) | 8.3258% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.3258% | 1,212 |
| Net charge-offs to loans | 0.0037% | 4,570 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 363.0375% | 196 |
| Efficiency ratio | 81.4066% | 1,687 |
| Assets per employee ($millions) | 2.6312% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 4,987 |
| Loan loss allowance to noncurrent loans | 88.5097% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 2,995 |
| Noncurrent loans to loans | 1.1863% | 2,686 |
| Net loans and leases to total assets | 77.4038% | 1,042 |
| Net loans and leases to deposits | 90.2422% | 1,401 |
| Net loans and leases to core deposits | 94.1207% | 1,851 |
| Total domestic deposits to total assets | 85.7734% | 2,971 |
| Equity capital to assets | 11.9853% | 2,071 |
| Core capital (leverage) ratio | 11.9685% | 1,713 |
| Tier 1 risk-based capital ratio | 17.3357% | 2,456 |
| Total risk-based capital ratio | 18.5253% | 2,447 |
| Memoranda: | ||
| Average total assets | $94,854,500 | 4,774 |
| Average earning assets | $89,276,750 | 4,719 |
| Average equity | $11,001,750 | 4,597 |
| Average total loans | $71,621,750 | 4,172 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 475 |
| Cost of funding earning assets | 0.4090% | 3,782 |
| Net interest margin | 4.8299% | 393 |
| Noninterest income to average assets | 1.1612% | 865 |
| Noninterest expense to average assets | 4.4996% | 452 |
| Loan and lease loss provision to assets | 0.0632% | 3,004 |
| Net operating income to assets | 1.1528% | 1,750 |
| Return on assets (ROA) | 1.1528% | 1,825 |
| Pretax return on assets | 1.1528% | 2,865 |
| Return on Equity (ROE) | 10.0508% | 2,129 |
| Retained earnings to average equity (ytd only) | 10.0508% | 703 |
| Net charge-offs to loans | -0.0339% | 5,731 |
| Credit loss provision to net charge-offs | -250.0000% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7242% | 2,201 |
| Assets per employee ($millions) | 2.5949% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 4,893 |
| Loan loss allowance to noncurrent loans | 80.3516% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.2075% | 2,674 |
| Noncurrent loans to loans | 1.3734% | 2,517 |
| Net loans and leases to total assets | 74.5368% | 1,372 |
| Net loans and leases to deposits | 84.8060% | 1,952 |
| Net loans and leases to core deposits | 88.2744% | 2,285 |
| Total domestic deposits to total assets | 87.8909% | 1,968 |
| Equity capital to assets | 11.9967% | 1,981 |
| Core capital (leverage) ratio | 11.9785% | 1,664 |
| Tier 1 risk-based capital ratio | 17.9860% | 2,247 |
| Total risk-based capital ratio | 19.2349% | 2,216 |
| Memoranda: | ||
| Average total assets | $94,898,000 | 4,800 |
| Average earning assets | $89,483,330 | 4,741 |
| Average equity | $10,884,670 | 4,640 |
| Average total loans | $70,796,330 | 4,207 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2605% | 440 |
| Cost of funding earning assets | 0.4391% | 3,542 |
| Net interest margin | 4.8214% | 368 |
| Noninterest income to average assets | 0.5019% | 3,393 |
| Noninterest expense to average assets | 4.4083% | 497 |
| Loan and lease loss provision to assets | 0.0627% | 2,866 |
| Net operating income to assets | 0.5772% | 4,310 |
| Return on assets (ROA) | 0.5772% | 4,380 |
| Pretax return on assets | 0.5772% | 4,908 |
| Return on Equity (ROE) | 5.1476% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.1476% | 3,022 |
| Net charge-offs to loans | -0.0507% | 5,814 |
| Credit loss provision to net charge-offs | -166.6667% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3239% | 1,303 |
| Assets per employee ($millions) | 2.6859% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 5,349 |
| Loan loss allowance to noncurrent loans | 82.8603% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 2,878 |
| Noncurrent loans to loans | 1.2557% | 2,940 |
| Net loans and leases to total assets | 74.6541% | 1,165 |
| Net loans and leases to deposits | 84.1437% | 1,807 |
| Net loans and leases to core deposits | 91.6240% | 1,768 |
| Total domestic deposits to total assets | 88.7222% | 1,820 |
| Equity capital to assets | 11.1641% | 2,562 |
| Core capital (leverage) ratio | 11.1403% | 2,270 |
| Tier 1 risk-based capital ratio | 16.9916% | 2,697 |
| Total risk-based capital ratio | 18.1888% | 2,672 |
| Memoranda: | ||
| Average total assets | $95,638,500 | 4,827 |
| Average earning assets | $90,181,500 | 4,774 |
| Average equity | $10,723,500 | 4,682 |
| Average total loans | $70,991,000 | 4,235 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0814% | 787 |
| Cost of funding earning assets | 0.5029% | 3,581 |
| Net interest margin | 4.5786% | 639 |
| Noninterest income to average assets | 0.8224% | 1,972 |
| Noninterest expense to average assets | 4.1453% | 736 |
| Loan and lease loss provision to assets | 0.0711% | 3,701 |
| Net operating income to assets | 0.9137% | 2,711 |
| Return on assets (ROA) | 0.9137% | 2,801 |
| Pretax return on assets | 0.9137% | 3,705 |
| Return on Equity (ROE) | 8.7634% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.7634% | 830 |
| Net charge-offs to loans | 0.2796% | 2,301 |
| Credit loss provision to net charge-offs | 37.2340% | 4,092 |
| Earnings coverage of net charge-offs (x) | 5.1596% | 3,366 |
| Efficiency ratio | 80.8035% | 2,043 |
| Assets per employee ($millions) | 2.6273% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 5,294 |
| Loan loss allowance to noncurrent loans | 69.6682% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4062% | 2,637 |
| Noncurrent loans to loans | 1.5282% | 2,600 |
| Net loans and leases to total assets | 72.2138% | 1,651 |
| Net loans and leases to deposits | 81.4681% | 2,255 |
| Net loans and leases to core deposits | 88.9361% | 2,139 |
| Total domestic deposits to total assets | 88.6407% | 1,833 |
| Equity capital to assets | 11.2621% | 2,375 |
| Core capital (leverage) ratio | 11.2335% | 2,168 |
| Tier 1 risk-based capital ratio | 17.5096% | 2,411 |
| Total risk-based capital ratio | 18.7209% | 2,402 |
| Memoranda: | ||
| Average total assets | $98,496,800 | 4,780 |
| Average earning assets | $92,671,000 | 4,708 |
| Average equity | $10,270,000 | 4,789 |
| Average total loans | $67,243,800 | 4,366 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 786 |
| Cost of funding earning assets | 0.5131% | 3,638 |
| Net interest margin | 4.5755% | 648 |
| Noninterest income to average assets | 0.8927% | 1,781 |
| Noninterest expense to average assets | 3.8736% | 999 |
| Loan and lease loss provision to assets | 0.0737% | 3,583 |
| Net operating income to assets | 1.2478% | 1,488 |
| Return on assets (ROA) | 1.2478% | 1,563 |
| Pretax return on assets | 1.2478% | 2,519 |
| Return on Equity (ROE) | 12.2001% | 1,418 |
| Retained earnings to average equity (ytd only) | 12.2001% | 400 |
| Net charge-offs to loans | 0.4930% | 1,304 |
| Credit loss provision to net charge-offs | 22.2672% | 4,030 |
| Earnings coverage of net charge-offs (x) | 3.9918% | 3,565 |
| Efficiency ratio | 74.5614% | 2,973 |
| Assets per employee ($millions) | 2.7940% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 5,886 |
| Loan loss allowance to noncurrent loans | 48.3895% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 1.4460% | 2,781 |
| Noncurrent loans to loans | 1.9836% | 2,268 |
| Net loans and leases to total assets | 69.7433% | 2,009 |
| Net loans and leases to deposits | 78.4201% | 2,600 |
| Net loans and leases to core deposits | 85.5831% | 2,457 |
| Total domestic deposits to total assets | 88.9355% | 1,591 |
| Equity capital to assets | 10.9060% | 2,853 |
| Core capital (leverage) ratio | 10.8794% | 2,592 |
| Tier 1 risk-based capital ratio | 17.6426% | 2,463 |
| Total risk-based capital ratio | 18.7387% | 2,480 |
| Memoranda: | ||
| Average total assets | $99,475,250 | 4,796 |
| Average earning assets | $93,540,250 | 4,738 |
| Average equity | $10,174,500 | 4,851 |
| Average total loans | $66,795,500 | 4,417 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9582% | 982 |
| Cost of funding earning assets | 0.5286% | 3,621 |
| Net interest margin | 4.4296% | 803 |
| Noninterest income to average assets | 1.0136% | 1,495 |
| Noninterest expense to average assets | 3.8406% | 1,048 |
| Loan and lease loss provision to assets | 0.0800% | 3,458 |
| Net operating income to assets | 1.2475% | 1,464 |
| Return on assets (ROA) | 1.2475% | 1,557 |
| Pretax return on assets | 1.2475% | 2,491 |
| Return on Equity (ROE) | 12.4663% | 1,365 |
| Retained earnings to average equity (ytd only) | 12.4663% | 433 |
| Net charge-offs to loans | 0.4296% | 1,506 |
| Credit loss provision to net charge-offs | 28.1690% | 3,625 |
| Earnings coverage of net charge-offs (x) | 4.6761% | 3,070 |
| Efficiency ratio | 74.3133% | 3,072 |
| Assets per employee ($millions) | 2.8184% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,350 |
| Loan loss allowance to noncurrent loans | 44.6492% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 1.7051% | 2,550 |
| Noncurrent loans to loans | 2.5192% | 1,837 |
| Net loans and leases to total assets | 66.9238% | 2,429 |
| Net loans and leases to deposits | 74.9299% | 3,027 |
| Net loans and leases to core deposits | 81.6749% | 2,833 |
| Total domestic deposits to total assets | 89.3152% | 1,437 |
| Equity capital to assets | 10.5064% | 3,297 |
| Core capital (leverage) ratio | 10.4739% | 2,912 |
| Tier 1 risk-based capital ratio | 17.1991% | 2,641 |
| Total risk-based capital ratio | 18.4492% | 2,614 |
| Memoranda: | ||
| Average total assets | $100,037,000 | 4,812 |
| Average earning assets | $93,824,330 | 4,761 |
| Average equity | $10,011,000 | 4,931 |
| Average total loans | $66,106,330 | 4,465 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 1,247 |
| Cost of funding earning assets | 0.5489% | 3,580 |
| Net interest margin | 4.2728% | 1,020 |
| Noninterest income to average assets | 0.5520% | 3,428 |
| Noninterest expense to average assets | 3.8399% | 1,064 |
| Loan and lease loss provision to assets | 0.0993% | 3,027 |
| Net operating income to assets | 0.6314% | 4,071 |
| Return on assets (ROA) | 0.6314% | 4,225 |
| Pretax return on assets | 0.6314% | 4,834 |
| Return on Equity (ROE) | 6.4670% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.4670% | 2,423 |
| Net charge-offs to loans | 0.0851% | 2,989 |
| Credit loss provision to net charge-offs | 178.5714% | 1,190 |
| Earnings coverage of net charge-offs (x) | 13.1429% | 1,547 |
| Efficiency ratio | 84.0139% | 1,765 |
| Assets per employee ($millions) | 2.8333% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,701 |
| Loan loss allowance to noncurrent loans | 42.0848% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 2.8256% | 1,598 |
| Noncurrent loans to loans | 3.0871% | 1,617 |
| Net loans and leases to total assets | 66.1917% | 2,338 |
| Net loans and leases to deposits | 73.6449% | 2,970 |
| Net loans and leases to core deposits | 79.6735% | 2,848 |
| Total domestic deposits to total assets | 89.8795% | 1,121 |
| Equity capital to assets | 10.0005% | 4,152 |
| Core capital (leverage) ratio | 9.9511% | 3,455 |
| Tier 1 risk-based capital ratio | 16.5490% | 2,976 |
| Total risk-based capital ratio | 17.8017% | 2,931 |
| Memoranda: | ||
| Average total assets | $100,733,000 | 4,847 |
| Average earning assets | $94,739,000 | 4,772 |
| Average equity | $9,834,500 | 5,026 |
| Average total loans | $65,775,500 | 4,500 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 1,008 |
| Cost of funding earning assets | 0.7094% | 3,420 |
| Net interest margin | 4.5453% | 867 |
| Noninterest income to average assets | 0.1587% | 6,238 |
| Noninterest expense to average assets | 4.2429% | 727 |
| Loan and lease loss provision to assets | 0.3401% | 1,977 |
| Net operating income to assets | -0.2113% | 6,385 |
| Return on assets (ROA) | -0.1896% | 6,438 |
| Pretax return on assets | -0.1896% | 6,417 |
| Return on Equity (ROE) | -1.9773% | 6,451 |
| Retained earnings to average equity (ytd only) | -1.9773% | 6,152 |
| Net charge-offs to loans | 0.0945% | 4,725 |
| Credit loss provision to net charge-offs | 532.2581% | 456 |
| Earnings coverage of net charge-offs (x) | 2.0161% | 4,404 |
| Efficiency ratio | 97.0533% | 658 |
| Assets per employee ($millions) | 2.8417% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,580 |
| Loan loss allowance to noncurrent loans | 61.3669% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.1818% | 2,248 |
| Noncurrent loans to loans | 2.1369% | 2,540 |
| Net loans and leases to total assets | 62.7511% | 3,105 |
| Net loans and leases to deposits | 69.4729% | 3,771 |
| Net loans and leases to core deposits | 74.7279% | 3,690 |
| Total domestic deposits to total assets | 90.3246% | 787 |
| Equity capital to assets | 9.5327% | 4,830 |
| Core capital (leverage) ratio | 9.4896% | 4,120 |
| Tier 1 risk-based capital ratio | 16.7854% | 2,753 |
| Total risk-based capital ratio | 18.0389% | 2,716 |
| Memoranda: | ||
| Average total assets | $97,031,600 | 4,913 |
| Average earning assets | $89,939,200 | 4,872 |
| Average equity | $9,305,800 | 5,148 |
| Average total loans | $65,574,000 | 4,528 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2990% | 1,018 |
| Cost of funding earning assets | 0.7516% | 3,341 |
| Net interest margin | 4.5474% | 906 |
| Noninterest income to average assets | 0.1393% | 6,445 |
| Noninterest expense to average assets | 4.2765% | 668 |
| Loan and lease loss provision to assets | 0.3970% | 1,615 |
| Net operating income to assets | -0.3371% | 6,603 |
| Return on assets (ROA) | -0.3079% | 6,636 |
| Pretax return on assets | -0.3079% | 6,606 |
| Return on Equity (ROE) | -3.2048% | 6,634 |
| Retained earnings to average equity (ytd only) | -3.2048% | 6,495 |
| Net charge-offs to loans | -0.0365% | 6,625 |
| Credit loss provision to net charge-offs | -1,583.3333% | 6,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6187% | 581 |
| Assets per employee ($millions) | 2.7252% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 4,562 |
| Loan loss allowance to noncurrent loans | 56.4885% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.9855% | 1,751 |
| Noncurrent loans to loans | 2.3961% | 2,406 |
| Net loans and leases to total assets | 65.9671% | 2,655 |
| Net loans and leases to deposits | 73.3942% | 3,387 |
| Net loans and leases to core deposits | 78.9776% | 3,330 |
| Total domestic deposits to total assets | 89.8805% | 905 |
| Equity capital to assets | 9.9074% | 4,638 |
| Core capital (leverage) ratio | 9.8575% | 3,749 |
| Tier 1 risk-based capital ratio | 16.4001% | 3,060 |
| Total risk-based capital ratio | 17.6533% | 3,024 |
| Memoranda: | ||
| Average total assets | $95,714,250 | 4,993 |
| Average earning assets | $88,341,500 | 4,962 |
| Average equity | $9,194,250 | 5,218 |
| Average total loans | $65,705,500 | 4,562 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 1,016 |
| Cost of funding earning assets | 0.7927% | 3,247 |
| Net interest margin | 4.5246% | 951 |
| Noninterest income to average assets | 0.1538% | 6,431 |
| Noninterest expense to average assets | 4.2648% | 676 |
| Loan and lease loss provision to assets | 0.4425% | 1,461 |
| Net operating income to assets | -0.3919% | 6,675 |
| Return on assets (ROA) | -0.3477% | 6,699 |
| Pretax return on assets | -0.3477% | 6,670 |
| Return on Equity (ROE) | -3.6589% | 6,710 |
| Retained earnings to average equity (ytd only) | -3.6589% | 6,526 |
| Net charge-offs to loans | -0.3286% | 7,083 |
| Credit loss provision to net charge-offs | -194.4444% | 6,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8281% | 599 |
| Assets per employee ($millions) | 2.6677% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 4,504 |
| Loan loss allowance to noncurrent loans | 60.3610% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 3.9099% | 1,328 |
| Noncurrent loans to loans | 2.3027% | 2,600 |
| Net loans and leases to total assets | 66.7069% | 2,522 |
| Net loans and leases to deposits | 74.3961% | 3,227 |
| Net loans and leases to core deposits | 79.9251% | 3,232 |
| Total domestic deposits to total assets | 89.6645% | 1,120 |
| Equity capital to assets | 10.1699% | 4,095 |
| Core capital (leverage) ratio | 10.1283% | 3,226 |
| Tier 1 risk-based capital ratio | 16.6339% | 2,840 |
| Total risk-based capital ratio | 17.8874% | 2,791 |
| Memoranda: | ||
| Average total assets | $94,916,330 | 5,038 |
| Average earning assets | $87,299,670 | 5,015 |
| Average equity | $9,019,000 | 5,260 |
| Average total loans | $65,738,330 | 4,574 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 1,148 |
| Cost of funding earning assets | 0.8719% | 2,900 |
| Net interest margin | 4.4054% | 1,217 |
| Noninterest income to average assets | 0.5045% | 3,881 |
| Noninterest expense to average assets | 4.1079% | 821 |
| Loan and lease loss provision to assets | 0.4451% | 1,395 |
| Net operating income to assets | 0.0000% | 6,411 |
| Return on assets (ROA) | 0.0000% | 6,525 |
| Pretax return on assets | 0.0000% | 6,526 |
| Return on Equity (ROE) | 0.0000% | 6,526 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | -0.2057% | 6,998 |
| Credit loss provision to net charge-offs | -308.8235% | 5,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2235% | 1,078 |
| Assets per employee ($millions) | 2.6237% | 6,715 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 5,888 |
| Loan loss allowance to noncurrent loans | 42.1175% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 5.1661% | 988 |
| Noncurrent loans to loans | 2.6257% | 2,479 |
| Net loans and leases to total assets | 70.5050% | 1,666 |
| Net loans and leases to deposits | 77.9560% | 2,518 |
| Net loans and leases to core deposits | 83.5191% | 2,605 |
| Total domestic deposits to total assets | 90.4420% | 837 |
| Equity capital to assets | 9.4262% | 4,910 |
| Core capital (leverage) ratio | 9.3631% | 4,256 |
| Tier 1 risk-based capital ratio | 14.1536% | 4,355 |
| Total risk-based capital ratio | 15.3454% | 4,371 |
| Memoranda: | ||
| Average total assets | $94,355,500 | 5,091 |
| Average earning assets | $86,711,000 | 5,060 |
| Average equity | $8,645,000 | 5,383 |
| Average total loans | $66,124,000 | 4,584 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1338% | 2,313 |
| Cost of funding earning assets | 1.1794% | 2,167 |
| Net interest margin | 3.9544% | 3,088 |
| Noninterest income to average assets | 0.4857% | 3,953 |
| Noninterest expense to average assets | 3.6963% | 1,545 |
| Loan and lease loss provision to assets | 0.9744% | 983 |
| Net operating income to assets | -0.5444% | 6,519 |
| Return on assets (ROA) | -0.5444% | 6,562 |
| Pretax return on assets | -0.5444% | 6,520 |
| Return on Equity (ROE) | -6.9980% | 6,634 |
| Retained earnings to average equity (ytd only) | -6.9980% | 6,572 |
| Net charge-offs to loans | 2.1842% | 593 |
| Credit loss provision to net charge-offs | 63.7061% | 5,064 |
| Earnings coverage of net charge-offs (x) | 0.2812% | 5,617 |
| Efficiency ratio | 89.5784% | 1,223 |
| Assets per employee ($millions) | 2.9358% | 6,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 6,590 |
| Loan loss allowance to noncurrent loans | 25.5124% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 4.4559% | 1,237 |
| Noncurrent loans to loans | 3.4337% | 1,876 |
| Net loans and leases to total assets | 68.3254% | 2,330 |
| Net loans and leases to deposits | 75.1260% | 3,319 |
| Net loans and leases to core deposits | 81.0895% | 3,308 |
| Total domestic deposits to total assets | 90.9478% | 528 |
| Equity capital to assets | 8.9119% | 5,664 |
| Core capital (leverage) ratio | 8.8771% | 4,984 |
| Tier 1 risk-based capital ratio | 14.3138% | 4,098 |
| Total risk-based capital ratio | 15.2878% | 4,253 |
| Memoranda: | ||
| Average total assets | $102,318,600 | 4,838 |
| Average earning assets | $94,199,800 | 4,806 |
| Average equity | $7,959,400 | 5,581 |
| Average total loans | $71,650,600 | 4,425 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 2,397 |
| Cost of funding earning assets | 1.2342% | 2,092 |
| Net interest margin | 3.9139% | 3,314 |
| Noninterest income to average assets | 0.4913% | 3,937 |
| Noninterest expense to average assets | 3.6973% | 1,504 |
| Loan and lease loss provision to assets | 1.0044% | 853 |
| Net operating income to assets | -0.6134% | 6,704 |
| Return on assets (ROA) | -0.6134% | 6,745 |
| Pretax return on assets | -0.6134% | 6,683 |
| Return on Equity (ROE) | -8.1633% | 6,818 |
| Retained earnings to average equity (ytd only) | -8.1633% | 6,771 |
| Net charge-offs to loans | 2.2872% | 519 |
| Credit loss provision to net charge-offs | 62.4800% | 4,731 |
| Earnings coverage of net charge-offs (x) | 0.2432% | 5,415 |
| Efficiency ratio | 90.4372% | 1,142 |
| Assets per employee ($millions) | 2.9554% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 6,296 |
| Loan loss allowance to noncurrent loans | 25.5319% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 5.3874% | 1,045 |
| Noncurrent loans to loans | 3.8973% | 1,712 |
| Net loans and leases to total assets | 71.9621% | 1,709 |
| Net loans and leases to deposits | 79.2141% | 2,773 |
| Net loans and leases to core deposits | 84.7110% | 2,954 |
| Total domestic deposits to total assets | 90.8451% | 494 |
| Equity capital to assets | 8.9043% | 5,853 |
| Core capital (leverage) ratio | 8.8619% | 5,166 |
| Tier 1 risk-based capital ratio | 13.3681% | 4,828 |
| Total risk-based capital ratio | 14.4597% | 4,921 |
| Memoranda: | ||
| Average total assets | $103,677,750 | 4,823 |
| Average earning assets | $95,280,750 | 4,812 |
| Average equity | $7,790,750 | 5,661 |
| Average total loans | $72,868,250 | 4,426 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 2,761 |
| Cost of funding earning assets | 1.2935% | 1,982 |
| Net interest margin | 3.7888% | 3,842 |
| Noninterest income to average assets | 0.9240% | 1,565 |
| Noninterest expense to average assets | 3.5966% | 1,750 |
| Loan and lease loss provision to assets | 0.8209% | 1,116 |
| Net operating income to assets | -0.0131% | 6,244 |
| Return on assets (ROA) | -0.0131% | 6,313 |
| Pretax return on assets | -0.0131% | 6,279 |
| Return on Equity (ROE) | -0.1847% | 6,322 |
| Retained earnings to average equity (ytd only) | -0.1847% | 5,873 |
| Net charge-offs to loans | 2.3948% | 517 |
| Credit loss provision to net charge-offs | 49.2688% | 4,597 |
| Earnings coverage of net charge-offs (x) | 0.4848% | 4,945 |
| Efficiency ratio | 81.6596% | 2,151 |
| Assets per employee ($millions) | 3.1247% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,387 |
| Loan loss allowance to noncurrent loans | 26.4506% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 5.8415% | 970 |
| Noncurrent loans to loans | 3.7293% | 1,883 |
| Net loans and leases to total assets | 70.4713% | 2,121 |
| Net loans and leases to deposits | 76.3815% | 3,401 |
| Net loans and leases to core deposits | 81.5709% | 3,563 |
| Total domestic deposits to total assets | 92.2623% | 188 |
| Equity capital to assets | 7.5757% | 6,914 |
| Core capital (leverage) ratio | 7.5507% | 6,710 |
| Tier 1 risk-based capital ratio | 11.3197% | 6,305 |
| Total risk-based capital ratio | 12.3725% | 6,429 |
| Memoranda: | ||
| Average total assets | $106,713,000 | 4,785 |
| Average earning assets | $98,026,330 | 4,758 |
| Average equity | $7,580,670 | 5,738 |
| Average total loans | $74,244,330 | 4,425 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 3,287 |
| Cost of funding earning assets | 1.3854% | 1,689 |
| Net interest margin | 3.5761% | 4,682 |
| Noninterest income to average assets | 0.6250% | 3,003 |
| Noninterest expense to average assets | 3.4013% | 2,279 |
| Loan and lease loss provision to assets | 0.3816% | 2,276 |
| Net operating income to assets | 0.1345% | 5,991 |
| Return on assets (ROA) | 0.1345% | 6,048 |
| Pretax return on assets | 0.1345% | 6,088 |
| Return on Equity (ROE) | 1.9516% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.9516% | 4,953 |
| Net charge-offs to loans | 0.3378% | 2,707 |
| Credit loss provision to net charge-offs | 164.0625% | 1,764 |
| Earnings coverage of net charge-offs (x) | 2.2188% | 3,210 |
| Efficiency ratio | 86.8275% | 1,625 |
| Assets per employee ($millions) | 3.5897% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 5,022 |
| Loan loss allowance to noncurrent loans | 27.3564% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 5.7437% | 1,032 |
| Noncurrent loans to loans | 4.8361% | 1,407 |
| Net loans and leases to total assets | 61.7677% | 3,905 |
| Net loans and leases to deposits | 66.0964% | 4,962 |
| Net loans and leases to core deposits | 70.4025% | 4,991 |
| Total domestic deposits to total assets | 93.4510% | 105 |
| Equity capital to assets | 6.4190% | 7,226 |
| Core capital (leverage) ratio | 6.4096% | 7,188 |
| Tier 1 risk-based capital ratio | 11.0592% | 6,467 |
| Total risk-based capital ratio | 12.3090% | 6,446 |
| Memoranda: | ||
| Average total assets | $110,074,000 | 4,733 |
| Average earning assets | $101,339,000 | 4,704 |
| Average equity | $7,583,500 | 5,748 |
| Average total loans | $75,783,000 | 4,393 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5687% | 2,014 |
| Cost of funding earning assets | 2.0255% | 553 |
| Net interest margin | 3.5432% | 5,065 |
| Noninterest income to average assets | 0.7425% | 2,578 |
| Noninterest expense to average assets | 3.5605% | 2,033 |
| Loan and lease loss provision to assets | 0.7977% | 2,041 |
| Net operating income to assets | -0.3643% | 6,277 |
| Return on assets (ROA) | -0.3643% | 6,304 |
| Pretax return on assets | -0.3643% | 6,214 |
| Return on Equity (ROE) | -5.2277% | 6,452 |
| Retained earnings to average equity (ytd only) | -5.2277% | 6,324 |
| Net charge-offs to loans | 0.7467% | 2,780 |
| Credit loss provision to net charge-offs | 145.4855% | 2,537 |
| Earnings coverage of net charge-offs (x) | 0.7905% | 5,339 |
| Efficiency ratio | 89.1487% | 1,386 |
| Assets per employee ($millions) | 3.0815% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 3,619 |
| Loan loss allowance to noncurrent loans | 66.2716% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 4.8737% | 1,333 |
| Noncurrent loans to loans | 2.3975% | 3,122 |
| Net loans and leases to total assets | 74.9203% | 1,490 |
| Net loans and leases to deposits | 81.0884% | 2,970 |
| Net loans and leases to core deposits | 87.0795% | 3,174 |
| Total domestic deposits to total assets | 92.3934% | 202 |
| Equity capital to assets | 7.4375% | 6,909 |
| Core capital (leverage) ratio | 7.4302% | 6,761 |
| Tier 1 risk-based capital ratio | 10.6572% | 6,599 |
| Total risk-based capital ratio | 11.9127% | 6,563 |
| Memoranda: | ||
| Average total assets | $107,064,000 | 4,803 |
| Average earning assets | $98,245,600 | 4,763 |
| Average equity | $7,460,200 | 5,888 |
| Average total loans | $78,617,400 | 4,374 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5011% | 2,430 |
| Cost of funding earning assets | 2.0855% | 568 |
| Net interest margin | 3.4156% | 5,618 |
| Noninterest income to average assets | 0.7170% | 2,728 |
| Noninterest expense to average assets | 3.4818% | 2,073 |
| Loan and lease loss provision to assets | 0.9212% | 1,632 |
| Net operating income to assets | -0.5498% | 6,629 |
| Return on assets (ROA) | -0.5498% | 6,684 |
| Pretax return on assets | -0.5498% | 6,584 |
| Return on Equity (ROE) | -8.0165% | 6,837 |
| Retained earnings to average equity (ytd only) | -8.0165% | 6,771 |
| Net charge-offs to loans | 0.8920% | 2,214 |
| Credit loss provision to net charge-offs | 141.8561% | 2,787 |
| Earnings coverage of net charge-offs (x) | 0.5720% | 5,443 |
| Efficiency ratio | 90.3607% | 1,255 |
| Assets per employee ($millions) | 3.6075% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 3,940 |
| Loan loss allowance to noncurrent loans | 52.1586% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 4.1236% | 1,672 |
| Noncurrent loans to loans | 2.8820% | 2,770 |
| Net loans and leases to total assets | 65.1692% | 3,876 |
| Net loans and leases to deposits | 72.9902% | 4,693 |
| Net loans and leases to core deposits | 84.9711% | 3,805 |
| Total domestic deposits to total assets | 89.2849% | 1,234 |
| Equity capital to assets | 6.3093% | 7,448 |
| Core capital (leverage) ratio | 6.2990% | 7,385 |
| Tier 1 risk-based capital ratio | 10.5244% | 6,757 |
| Total risk-based capital ratio | 11.7792% | 6,744 |
| Memoranda: | ||
| Average total assets | $108,408,000 | 4,823 |
| Average earning assets | $99,540,500 | 4,796 |
| Average equity | $7,434,500 | 5,972 |
| Average total loans | $78,918,000 | 4,435 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6395% | 1,983 |
| Cost of funding earning assets | 2.1414% | 572 |
| Net interest margin | 3.4981% | 5,249 |
| Noninterest income to average assets | 0.6828% | 2,803 |
| Noninterest expense to average assets | 3.6562% | 1,653 |
| Loan and lease loss provision to assets | 0.8278% | 1,754 |
| Net operating income to assets | -0.6046% | 6,744 |
| Return on assets (ROA) | -0.6046% | 6,771 |
| Pretax return on assets | -0.6046% | 6,659 |
| Return on Equity (ROE) | -8.5572% | 6,916 |
| Retained earnings to average equity (ytd only) | -8.5572% | 6,844 |
| Net charge-offs to loans | 0.4761% | 3,108 |
| Credit loss provision to net charge-offs | 230.8511% | 1,676 |
| Earnings coverage of net charge-offs (x) | 0.6223% | 5,116 |
| Efficiency ratio | 94.2478% | 1,056 |
| Assets per employee ($millions) | 3.5152% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 3,705 |
| Loan loss allowance to noncurrent loans | 50.1244% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 4.2792% | 1,564 |
| Noncurrent loans to loans | 3.0741% | 2,619 |
| Net loans and leases to total assets | 66.5966% | 3,712 |
| Net loans and leases to deposits | 74.6755% | 4,572 |
| Net loans and leases to core deposits | 93.3865% | 2,806 |
| Total domestic deposits to total assets | 89.1813% | 1,334 |
| Equity capital to assets | 6.2998% | 7,499 |
| Core capital (leverage) ratio | 6.2958% | 7,430 |
| Tier 1 risk-based capital ratio | 10.1634% | 6,933 |
| Total risk-based capital ratio | 11.4187% | 6,901 |
| Memoranda: | ||
| Average total assets | $104,861,670 | 4,943 |
| Average earning assets | $95,823,670 | 4,933 |
| Average equity | $7,409,000 | 5,995 |
| Average total loans | $78,968,670 | 4,473 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0069% | 972 |
| Cost of funding earning assets | 2.1491% | 690 |
| Net interest margin | 3.8577% | 3,522 |
| Noninterest income to average assets | 0.6808% | 2,731 |
| Noninterest expense to average assets | 3.9158% | 1,150 |
| Loan and lease loss provision to assets | 0.4230% | 2,840 |
| Net operating income to assets | -0.1652% | 6,502 |
| Return on assets (ROA) | -0.1652% | 6,576 |
| Pretax return on assets | -0.1652% | 6,525 |
| Return on Equity (ROE) | -2.1985% | 6,661 |
| Retained earnings to average equity (ytd only) | -2.1985% | 6,242 |
| Net charge-offs to loans | 0.6513% | 2,194 |
| Credit loss provision to net charge-offs | 81.3953% | 3,841 |
| Earnings coverage of net charge-offs (x) | 0.4961% | 4,585 |
| Efficiency ratio | 93.8224% | 1,143 |
| Assets per employee ($millions) | 3.1637% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 5,538 |
| Loan loss allowance to noncurrent loans | 44.0997% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 4.4826% | 1,505 |
| Noncurrent loans to loans | 2.7039% | 2,962 |
| Net loans and leases to total assets | 74.4481% | 1,876 |
| Net loans and leases to deposits | 84.7261% | 2,812 |
| Net loans and leases to core deposits | 110.7287% | 1,234 |
| Total domestic deposits to total assets | 87.8691% | 2,133 |
| Equity capital to assets | 7.1262% | 7,319 |
| Core capital (leverage) ratio | 7.1147% | 7,167 |
| Tier 1 risk-based capital ratio | 10.2572% | 6,836 |
| Total risk-based capital ratio | 11.5084% | 6,836 |
| Memoranda: | ||
| Average total assets | $99,291,000 | 5,171 |
| Average earning assets | $89,897,000 | 5,169 |
| Average equity | $7,459,500 | 6,031 |
| Average total loans | $79,221,500 | 4,534 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2559% | 1,101 |
| Cost of funding earning assets | 2.5587% | 878 |
| Net interest margin | 3.6972% | 4,159 |
| Noninterest income to average assets | 0.8653% | 2,107 |
| Noninterest expense to average assets | 4.3495% | 935 |
| Loan and lease loss provision to assets | 3.5082% | 438 |
| Net operating income to assets | -3.6064% | 7,530 |
| Return on assets (ROA) | -3.6064% | 7,539 |
| Pretax return on assets | -3.6064% | 7,444 |
| Return on Equity (ROE) | -46.1319% | 7,638 |
| Retained earnings to average equity (ytd only) | -46.1319% | 7,627 |
| Net charge-offs to loans | 3.4688% | 560 |
| Credit loss provision to net charge-offs | 118.2202% | 4,571 |
| Earnings coverage of net charge-offs (x) | -0.0331% | 6,251 |
| Efficiency ratio | 102.3079% | 1,001 |
| Assets per employee ($millions) | 2.6908% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 5,312 |
| Loan loss allowance to noncurrent loans | 50.5512% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 4.9640% | 1,246 |
| Noncurrent loans to loans | 2.3878% | 3,176 |
| Net loans and leases to total assets | 83.6874% | 467 |
| Net loans and leases to deposits | 96.7875% | 1,228 |
| Net loans and leases to core deposits | 122.9847% | 1,712 |
| Total domestic deposits to total assets | 86.4651% | 2,779 |
| Equity capital to assets | 7.9413% | 6,637 |
| Core capital (leverage) ratio | 7.9315% | 6,286 |
| Tier 1 risk-based capital ratio | 10.3039% | 6,584 |
| Total risk-based capital ratio | 11.5552% | 6,556 |
| Memoranda: | ||
| Average total assets | $95,803,200 | 5,212 |
| Average earning assets | $87,741,400 | 5,205 |
| Average equity | $7,489,400 | 6,095 |
| Average total loans | $81,960,200 | 4,446 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2522% | 1,240 |
| Cost of funding earning assets | 2.6397% | 930 |
| Net interest margin | 3.6126% | 4,430 |
| Noninterest income to average assets | 0.8814% | 2,050 |
| Noninterest expense to average assets | 4.3723% | 839 |
| Loan and lease loss provision to assets | 2.8562% | 538 |
| Net operating income to assets | -3.0280% | 7,592 |
| Return on assets (ROA) | -3.0280% | 7,601 |
| Pretax return on assets | -3.0280% | 7,511 |
| Return on Equity (ROE) | -38.8849% | 7,743 |
| Retained earnings to average equity (ytd only) | -38.8849% | 7,735 |
| Net charge-offs to loans | 2.1622% | 895 |
| Credit loss provision to net charge-offs | 154.0359% | 3,104 |
| Earnings coverage of net charge-offs (x) | -0.0927% | 6,169 |
| Efficiency ratio | 104.0911% | 918 |
| Assets per employee ($millions) | 2.7016% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 3,534 |
| Loan loss allowance to noncurrent loans | 43.7137% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 5.1906% | 1,120 |
| Noncurrent loans to loans | 3.3913% | 2,222 |
| Net loans and leases to total assets | 84.5499% | 476 |
| Net loans and leases to deposits | 103.2560% | 825 |
| Net loans and leases to core deposits | 130.6580% | 1,392 |
| Total domestic deposits to total assets | 81.8838% | 4,722 |
| Equity capital to assets | 8.7779% | 5,839 |
| Core capital (leverage) ratio | 8.7673% | 5,024 |
| Tier 1 risk-based capital ratio | 11.5197% | 5,409 |
| Total risk-based capital ratio | 12.7135% | 5,412 |
| Memoranda: | ||
| Average total assets | $96,209,250 | 5,236 |
| Average earning assets | $88,392,750 | 5,220 |
| Average equity | $7,492,000 | 6,151 |
| Average total loans | $82,505,500 | 4,467 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2707% | 1,279 |
| Cost of funding earning assets | 2.6887% | 1,064 |
| Net interest margin | 3.5820% | 4,440 |
| Noninterest income to average assets | 0.9260% | 1,868 |
| Noninterest expense to average assets | 4.3158% | 928 |
| Loan and lease loss provision to assets | 0.4341% | 3,386 |
| Net operating income to assets | -0.5250% | 6,574 |
| Return on assets (ROA) | -0.5250% | 6,581 |
| Pretax return on assets | -0.5250% | 6,455 |
| Return on Equity (ROE) | -7.0334% | 6,807 |
| Retained earnings to average equity (ytd only) | -7.0334% | 6,566 |
| Net charge-offs to loans | 1.1307% | 1,609 |
| Credit loss provision to net charge-offs | 44.7761% | 5,831 |
| Earnings coverage of net charge-offs (x) | -0.0938% | 5,789 |
| Efficiency ratio | 102.1526% | 1,090 |
| Assets per employee ($millions) | 2.8797% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2639% | 8,020 |
| Loan loss allowance to noncurrent loans | 8.8118% | 7,515 |
| Noncurrent assets plus other real estate owned to assets | 3.8198% | 1,587 |
| Noncurrent loans to loans | 2.9946% | 2,416 |
| Net loans and leases to total assets | 82.8763% | 804 |
| Net loans and leases to deposits | 104.7371% | 854 |
| Net loans and leases to core deposits | 133.4404% | 1,346 |
| Total domestic deposits to total assets | 79.1279% | 5,773 |
| Equity capital to assets | 7.6704% | 7,111 |
| Core capital (leverage) ratio | 7.6732% | 6,796 |
| Tier 1 risk-based capital ratio | 10.2243% | 6,683 |
| Total risk-based capital ratio | 10.5165% | 7,550 |
| Memoranda: | ||
| Average total assets | $96,760,330 | 5,257 |
| Average earning assets | $89,112,670 | 5,231 |
| Average equity | $7,222,670 | 6,295 |
| Average total loans | $82,957,330 | 4,502 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4213% | 1,017 |
| Cost of funding earning assets | 2.8651% | 840 |
| Net interest margin | 3.5562% | 4,500 |
| Noninterest income to average assets | 0.8444% | 2,104 |
| Noninterest expense to average assets | 4.4118% | 776 |
| Loan and lease loss provision to assets | 0.4433% | 2,707 |
| Net operating income to assets | -0.7304% | 7,081 |
| Return on assets (ROA) | -0.7304% | 7,113 |
| Pretax return on assets | -0.7304% | 6,987 |
| Return on Equity (ROE) | -9.9304% | 7,360 |
| Retained earnings to average equity (ytd only) | -9.9304% | 7,103 |
| Net charge-offs to loans | 1.3808% | 1,026 |
| Credit loss provision to net charge-offs | 36.8421% | 4,855 |
| Earnings coverage of net charge-offs (x) | -0.2386% | 5,157 |
| Efficiency ratio | 106.9601% | 897 |
| Assets per employee ($millions) | 2.6263% | 7,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3668% | 7,984 |
| Loan loss allowance to noncurrent loans | 18.7735% | 7,231 |
| Noncurrent assets plus other real estate owned to assets | 3.0726% | 1,839 |
| Noncurrent loans to loans | 1.9539% | 3,333 |
| Net loans and leases to total assets | 86.1875% | 422 |
| Net loans and leases to deposits | 110.2667% | 597 |
| Net loans and leases to core deposits | 128.7807% | 1,728 |
| Total domestic deposits to total assets | 78.1628% | 5,953 |
| Equity capital to assets | 7.8079% | 7,057 |
| Core capital (leverage) ratio | 7.7425% | 6,832 |
| Tier 1 risk-based capital ratio | 10.1765% | 6,740 |
| Total risk-based capital ratio | 10.5939% | 7,517 |
| Memoranda: | ||
| Average total assets | $94,745,500 | 5,341 |
| Average earning assets | $87,396,000 | 5,306 |
| Average equity | $6,968,500 | 6,424 |
| Average total loans | $82,560,000 | 4,540 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9817% | 1,182 |
| Cost of funding earning assets | 3.5844% | 413 |
| Net interest margin | 3.3974% | 5,674 |
| Noninterest income to average assets | 0.9194% | 1,888 |
| Noninterest expense to average assets | 4.1567% | 1,194 |
| Loan and lease loss provision to assets | 0.2527% | 4,391 |
| Net operating income to assets | -0.2949% | 6,726 |
| Return on assets (ROA) | -0.2949% | 6,585 |
| Pretax return on assets | -0.2949% | 6,452 |
| Return on Equity (ROE) | -4.1552% | 6,769 |
| Retained earnings to average equity (ytd only) | -4.1552% | 6,353 |
| Net charge-offs to loans | 0.8018% | 1,556 |
| Credit loss provision to net charge-offs | 36.4188% | 6,477 |
| Earnings coverage of net charge-offs (x) | -0.0607% | 6,293 |
| Efficiency ratio | 101.0238% | 941 |
| Assets per employee ($millions) | 2.3158% | 7,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5760% | 7,717 |
| Loan loss allowance to noncurrent loans | 25.6684% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 2.5983% | 1,854 |
| Noncurrent loans to loans | 2.2440% | 2,453 |
| Net loans and leases to total assets | 87.2643% | 444 |
| Net loans and leases to deposits | 99.6776% | 1,868 |
| Net loans and leases to core deposits | 118.9525% | 2,793 |
| Total domestic deposits to total assets | 87.5466% | 1,690 |
| Equity capital to assets | 6.9039% | 7,775 |
| Core capital (leverage) ratio | 6.8097% | 7,811 |
| Tier 1 risk-based capital ratio | 8.8882% | 7,852 |
| Total risk-based capital ratio | 9.5488% | 8,079 |
| Memoranda: | ||
| Average total assets | $94,956,200 | 5,200 |
| Average earning assets | $89,304,400 | 5,109 |
| Average equity | $6,738,600 | 6,554 |
| Average total loans | $82,193,600 | 4,446 |