Home > KeySavings Bank > Performance and Condition Ratios
KeySavings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 3,816 |
| Cost of funding earning assets | 1.3310% | 2,422 |
| Net interest margin | 2.7640% | 3,725 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.8230% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0011% | 4,326 |
| Return on assets (ROA) | 0.0089% | 4,347 |
| Pretax return on assets | 0.0089% | 4,331 |
| Return on Equity (ROE) | 0.1000% | 4,337 |
| Retained earnings to average equity (ytd only) | 0.1030% | 4,024 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 99.9604% | 189 |
| Assets per employee ($millions) | 5.7032% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2040% | 4,447 |
| Loan loss allowance to noncurrent loans | 26.7813% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 1,323 |
| Noncurrent loans to loans | 0.7616% | 1,020 |
| Net loans and leases to total assets | 55.0100% | 3,279 |
| Net loans and leases to deposits | 73.8408% | 2,628 |
| Net loans and leases to core deposits | 80.5586% | 2,678 |
| Total domestic deposits to total assets | 74.5000% | 4,070 |
| Equity capital to assets | 8.3111% | 3,186 |
| Core capital (leverage) ratio | 12.8014% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $89,408,600 | 3,920 |
| Average earning assets | $81,294,400 | 3,916 |
| Average equity | $7,769,400 | 3,960 |
| Average total loans | $47,765,000 | 3,872 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 4,172 |
| Cost of funding earning assets | 1.1199% | 2,687 |
| Net interest margin | 2.6142% | 4,008 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.8274% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.2057% | 4,496 |
| Return on assets (ROA) | -0.1950% | 4,479 |
| Pretax return on assets | -0.1950% | 4,470 |
| Return on Equity (ROE) | -2.2200% | 4,458 |
| Retained earnings to average equity (ytd only) | -2.2172% | 4,331 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 107.8443% | 113 |
| Assets per employee ($millions) | 5.2776% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2213% | 4,462 |
| Loan loss allowance to noncurrent loans | 27.1144% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 1,300 |
| Noncurrent loans to loans | 0.8162% | 1,014 |
| Net loans and leases to total assets | 54.7800% | 3,305 |
| Net loans and leases to deposits | 69.4457% | 2,875 |
| Net loans and leases to core deposits | 73.8926% | 3,002 |
| Total domestic deposits to total assets | 78.8800% | 3,713 |
| Equity capital to assets | 7.7731% | 3,197 |
| Core capital (leverage) ratio | 13.0935% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $87,522,000 | 3,953 |
| Average earning assets | $79,411,000 | 3,952 |
| Average equity | $7,697,250 | 3,968 |
| Average total loans | $46,345,750 | 3,904 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6695% | 4,177 |
| Cost of funding earning assets | 0.9161% | 2,876 |
| Net interest margin | 2.7534% | 3,898 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.7814% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.0138% | 4,486 |
| Return on assets (ROA) | -0.0300% | 4,484 |
| Pretax return on assets | -0.0300% | 4,469 |
| Return on Equity (ROE) | -0.3300% | 4,453 |
| Retained earnings to average equity (ytd only) | -0.3275% | 4,147 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 100.4996% | 165 |
| Assets per employee ($millions) | 5.1592% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2364% | 4,494 |
| Loan loss allowance to noncurrent loans | 34.0625% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 1,461 |
| Noncurrent loans to loans | 0.6940% | 1,080 |
| Net loans and leases to total assets | 52.4500% | 3,374 |
| Net loans and leases to deposits | 64.9690% | 3,127 |
| Net loans and leases to core deposits | 69.4224% | 3,165 |
| Total domestic deposits to total assets | 80.7300% | 3,468 |
| Equity capital to assets | 8.9754% | 2,528 |
| Core capital (leverage) ratio | 13.5454% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $86,789,333 | 3,984 |
| Average earning assets | $78,593,333 | 3,981 |
| Average equity | $7,938,333 | 3,960 |
| Average total loans | $45,376,000 | 3,932 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 4,291 |
| Cost of funding earning assets | 0.6963% | 3,067 |
| Net interest margin | 2.7853% | 3,963 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.9283% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.1483% | 4,541 |
| Return on assets (ROA) | -0.1807% | 4,532 |
| Pretax return on assets | -0.1807% | 4,518 |
| Return on Equity (ROE) | -1.9600% | 4,507 |
| Retained earnings to average equity (ytd only) | -1.9570% | 4,204 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 105.3333% | 129 |
| Assets per employee ($millions) | 5.0750% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2400% | 4,553 |
| Loan loss allowance to noncurrent loans | 36.2126% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 1,470 |
| Noncurrent loans to loans | 0.6628% | 1,138 |
| Net loans and leases to total assets | 52.5100% | 3,313 |
| Net loans and leases to deposits | 63.9819% | 3,088 |
| Net loans and leases to core deposits | 66.1754% | 3,209 |
| Total domestic deposits to total assets | 82.0700% | 3,474 |
| Equity capital to assets | 9.2854% | 2,304 |
| Core capital (leverage) ratio | 13.9726% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $86,331,000 | 4,038 |
| Average earning assets | $78,124,000 | 4,032 |
| Average equity | $7,971,500 | 4,005 |
| Average total loans | $45,009,500 | 3,978 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7800% | 4,343 |
| Cost of funding earning assets | 0.3776% | 2,278 |
| Net interest margin | 2.4024% | 4,358 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.9184% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.0247% | 4,580 |
| Return on assets (ROA) | -0.0101% | 4,568 |
| Pretax return on assets | -0.0090% | 4,562 |
| Return on Equity (ROE) | -0.1000% | 4,551 |
| Retained earnings to average equity (ytd only) | -0.1003% | 4,370 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 100.8152% | 140 |
| Assets per employee ($millions) | 5.0816% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4080% | 4,493 |
| Loan loss allowance to noncurrent loans | 145.6000% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 2,524 |
| Noncurrent loans to loans | 0.2802% | 2,147 |
| Net loans and leases to total assets | 51.4300% | 3,398 |
| Net loans and leases to deposits | 61.3563% | 3,249 |
| Net loans and leases to core deposits | 64.0647% | 3,261 |
| Total domestic deposits to total assets | 83.8100% | 3,251 |
| Equity capital to assets | 9.1819% | 2,236 |
| Core capital (leverage) ratio | 13.7873% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $88,986,200 | 4,026 |
| Average earning assets | $81,294,600 | 4,023 |
| Average equity | $8,977,000 | 3,995 |
| Average total loans | $44,800,000 | 3,981 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6864% | 4,300 |
| Cost of funding earning assets | 0.3618% | 1,603 |
| Net interest margin | 2.3247% | 4,390 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.9124% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0632% | 4,563 |
| Return on assets (ROA) | 0.0818% | 4,528 |
| Pretax return on assets | 0.0848% | 4,524 |
| Return on Equity (ROE) | 0.7900% | 4,514 |
| Retained earnings to average equity (ytd only) | 0.7938% | 4,249 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 97.8022% | 181 |
| Assets per employee ($millions) | 4.5585% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4095% | 4,537 |
| Loan loss allowance to noncurrent loans | 44.0678% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 1,135 |
| Noncurrent loans to loans | 0.9293% | 839 |
| Net loans and leases to total assets | 51.1000% | 3,378 |
| Net loans and leases to deposits | 60.1016% | 3,196 |
| Net loans and leases to core deposits | 61.5295% | 3,268 |
| Total domestic deposits to total assets | 85.0300% | 3,277 |
| Equity capital to assets | 9.1119% | 2,135 |
| Core capital (leverage) ratio | 13.3582% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $89,636,000 | 4,049 |
| Average earning assets | $82,188,750 | 4,047 |
| Average equity | $9,238,250 | 4,011 |
| Average total loans | $44,848,250 | 4,003 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5732% | 4,301 |
| Cost of funding earning assets | 0.3457% | 1,312 |
| Net interest margin | 2.2276% | 4,399 |
| Noninterest income to average assets | 1.1672% | 500 |
| Noninterest expense to average assets | 2.8904% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3202% | 4,255 |
| Return on assets (ROA) | 0.3486% | 4,164 |
| Pretax return on assets | 0.3530% | 4,224 |
| Return on Equity (ROE) | 3.2621% | 4,179 |
| Retained earnings to average equity (ytd only) | 3.2621% | 3,366 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9108% | 410 |
| Assets per employee ($millions) | 4.9098% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4124% | 4,613 |
| Loan loss allowance to noncurrent loans | 256.3380% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 3,184 |
| Noncurrent loans to loans | 0.1609% | 2,891 |
| Net loans and leases to total assets | 49.7324% | 3,399 |
| Net loans and leases to deposits | 59.2169% | 3,112 |
| Net loans and leases to core deposits | 60.7920% | 3,212 |
| Total domestic deposits to total assets | 83.9834% | 3,687 |
| Equity capital to assets | 9.4527% | 2,054 |
| Core capital (leverage) ratio | 12.8095% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,644,000 | 4,074 |
| Average earning assets | $83,319,333 | 4,083 |
| Average equity | $9,687,000 | 4,031 |
| Average total loans | $44,983,667 | 4,046 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4601% | 4,317 |
| Cost of funding earning assets | 0.3211% | 1,454 |
| Net interest margin | 2.1390% | 4,407 |
| Noninterest income to average assets | 2.0484% | 233 |
| Noninterest expense to average assets | 3.0814% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9414% | 2,105 |
| Return on assets (ROA) | 0.9937% | 1,897 |
| Pretax return on assets | 0.9937% | 2,458 |
| Return on Equity (ROE) | 8.8086% | 2,390 |
| Retained earnings to average equity (ytd only) | 8.8086% | 1,327 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5980% | 1,457 |
| Assets per employee ($millions) | 6.0507% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4063% | 4,643 |
| Loan loss allowance to noncurrent loans | 674.0741% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,744 |
| Noncurrent loans to loans | 0.0603% | 3,555 |
| Net loans and leases to total assets | 49.1500% | 3,259 |
| Net loans and leases to deposits | 60.9421% | 2,815 |
| Net loans and leases to core deposits | 62.1633% | 2,958 |
| Total domestic deposits to total assets | 80.6503% | 4,229 |
| Equity capital to assets | 10.7932% | 1,446 |
| Core capital (leverage) ratio | 12.3528% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,777,500 | 4,082 |
| Average earning assets | $84,713,500 | 4,082 |
| Average equity | $10,353,500 | 4,017 |
| Average total loans | $45,408,500 | 4,051 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5201% | 4,463 |
| Cost of funding earning assets | 0.3969% | 1,565 |
| Net interest margin | 2.1231% | 4,529 |
| Noninterest income to average assets | 0.3282% | 3,450 |
| Noninterest expense to average assets | 2.3759% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.0612% | 4,696 |
| Return on assets (ROA) | 0.0110% | 4,684 |
| Pretax return on assets | 0.0132% | 4,682 |
| Return on Equity (ROE) | 0.0891% | 4,682 |
| Retained earnings to average equity (ytd only) | 0.0891% | 4,461 |
| Net charge-offs to loans | -0.0130% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2057% | 125 |
| Assets per employee ($millions) | 5.7996% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3954% | 4,686 |
| Loan loss allowance to noncurrent loans | 551.5152% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 3,775 |
| Noncurrent loans to loans | 0.0717% | 3,577 |
| Net loans and leases to total assets | 49.4041% | 3,362 |
| Net loans and leases to deposits | 61.7527% | 2,901 |
| Net loans and leases to core deposits | 62.7690% | 3,095 |
| Total domestic deposits to total assets | 80.0030% | 4,222 |
| Equity capital to assets | 11.7583% | 1,365 |
| Core capital (leverage) ratio | 11.9726% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,787,800 | 4,089 |
| Average earning assets | $84,403,000 | 4,075 |
| Average equity | $11,226,400 | 4,012 |
| Average total loans | $46,115,200 | 4,068 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5362% | 4,549 |
| Cost of funding earning assets | 0.4174% | 1,563 |
| Net interest margin | 2.1188% | 4,616 |
| Noninterest income to average assets | 0.3515% | 3,349 |
| Noninterest expense to average assets | 2.4440% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.0922% | 4,769 |
| Return on assets (ROA) | 0.0000% | 4,754 |
| Pretax return on assets | 0.0030% | 4,751 |
| Return on Equity (ROE) | 0.0000% | 4,754 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,561 |
| Net charge-offs to loans | -0.0173% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8796% | 125 |
| Assets per employee ($millions) | 5.1516% | 3,552 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3930% | 4,771 |
| Loan loss allowance to noncurrent loans | 122.9730% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 3,053 |
| Noncurrent loans to loans | 0.3196% | 2,631 |
| Net loans and leases to total assets | 49.7444% | 3,436 |
| Net loans and leases to deposits | 62.5858% | 2,987 |
| Net loans and leases to core deposits | 63.3439% | 3,190 |
| Total domestic deposits to total assets | 79.4819% | 4,301 |
| Equity capital to assets | 12.1053% | 1,357 |
| Core capital (leverage) ratio | 12.1403% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,286,250 | 4,144 |
| Average earning assets | $84,322,250 | 4,129 |
| Average equity | $11,305,250 | 4,053 |
| Average total loans | $46,137,500 | 4,130 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5598% | 4,578 |
| Cost of funding earning assets | 0.4290% | 1,664 |
| Net interest margin | 2.1308% | 4,640 |
| Noninterest income to average assets | 0.4091% | 3,063 |
| Noninterest expense to average assets | 2.5058% | 2,122 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0697% | 4,791 |
| Return on assets (ROA) | 0.0179% | 4,773 |
| Pretax return on assets | 0.0224% | 4,771 |
| Return on Equity (ROE) | 0.1412% | 4,775 |
| Retained earnings to average equity (ytd only) | 0.1412% | 4,489 |
| Net charge-offs to loans | -0.0260% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6044% | 137 |
| Assets per employee ($millions) | 6.0949% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3991% | 4,797 |
| Loan loss allowance to noncurrent loans | 74.8971% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 2,378 |
| Noncurrent loans to loans | 0.5329% | 2,073 |
| Net loans and leases to total assets | 49.6762% | 3,587 |
| Net loans and leases to deposits | 62.5539% | 3,143 |
| Net loans and leases to core deposits | 63.3249% | 3,352 |
| Total domestic deposits to total assets | 79.4135% | 4,300 |
| Equity capital to assets | 12.2331% | 1,258 |
| Core capital (leverage) ratio | 12.5347% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7693% | 278 |
| Memoranda: | ||
| Average total assets | $89,472,333 | 4,178 |
| Average earning assets | $84,380,667 | 4,150 |
| Average equity | $11,332,000 | 4,060 |
| Average total loans | $46,080,333 | 4,151 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6446% | 4,534 |
| Cost of funding earning assets | 0.4887% | 1,463 |
| Net interest margin | 2.1560% | 4,648 |
| Noninterest income to average assets | 0.5153% | 2,543 |
| Noninterest expense to average assets | 2.4724% | 2,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0633% | 4,743 |
| Return on assets (ROA) | 0.0633% | 4,751 |
| Pretax return on assets | 0.0768% | 4,743 |
| Return on Equity (ROE) | 0.4910% | 4,754 |
| Retained earnings to average equity (ytd only) | 0.4910% | 4,307 |
| Net charge-offs to loans | -0.0086% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9858% | 231 |
| Assets per employee ($millions) | 6.3396% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3901% | 4,835 |
| Loan loss allowance to noncurrent loans | 93.6508% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 3,092 |
| Noncurrent loans to loans | 0.4166% | 2,604 |
| Net loans and leases to total assets | 50.9211% | 3,545 |
| Net loans and leases to deposits | 63.8131% | 3,140 |
| Net loans and leases to core deposits | 64.6224% | 3,357 |
| Total domestic deposits to total assets | 79.7972% | 4,231 |
| Equity capital to assets | 12.7148% | 987 |
| Core capital (leverage) ratio | 12.7716% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3343% | 250 |
| Memoranda: | ||
| Average total assets | $88,496,500 | 4,208 |
| Average earning assets | $83,489,500 | 4,170 |
| Average equity | $11,406,000 | 4,065 |
| Average total loans | $46,321,500 | 4,167 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0471% | 4,602 |
| Cost of funding earning assets | 0.7124% | 1,660 |
| Net interest margin | 2.3347% | 4,699 |
| Noninterest income to average assets | 0.3925% | 3,136 |
| Noninterest expense to average assets | 2.7367% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.1305% | 4,798 |
| Return on assets (ROA) | 0.0536% | 4,732 |
| Pretax return on assets | 0.0629% | 4,724 |
| Return on Equity (ROE) | 0.4008% | 4,735 |
| Retained earnings to average equity (ytd only) | 0.4008% | 4,396 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9513% | 136 |
| Assets per employee ($millions) | 5.1905% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3723% | 4,870 |
| Loan loss allowance to noncurrent loans | 82.6291% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 3,079 |
| Noncurrent loans to loans | 0.4506% | 2,621 |
| Net loans and leases to total assets | 53.3727% | 3,542 |
| Net loans and leases to deposits | 67.2632% | 3,155 |
| Net loans and leases to core deposits | 68.1282% | 3,407 |
| Total domestic deposits to total assets | 79.3490% | 4,157 |
| Equity capital to assets | 13.0635% | 1,063 |
| Core capital (leverage) ratio | 12.8315% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7003% | 250 |
| Memoranda: | ||
| Average total assets | $85,869,400 | 4,176 |
| Average earning assets | $80,568,600 | 4,157 |
| Average equity | $11,476,400 | 4,029 |
| Average total loans | $46,035,000 | 4,185 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1684% | 4,616 |
| Cost of funding earning assets | 0.7487% | 1,757 |
| Net interest margin | 2.4197% | 4,714 |
| Noninterest income to average assets | 0.3377% | 3,455 |
| Noninterest expense to average assets | 2.7142% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.0896% | 4,809 |
| Return on assets (ROA) | 0.0610% | 4,755 |
| Pretax return on assets | 0.0735% | 4,748 |
| Return on Equity (ROE) | 0.4536% | 4,756 |
| Retained earnings to average equity (ytd only) | 0.4536% | 4,393 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1392% | 138 |
| Assets per employee ($millions) | 5.2572% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3660% | 4,902 |
| Loan loss allowance to noncurrent loans | 85.4369% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 3,296 |
| Noncurrent loans to loans | 0.4284% | 2,771 |
| Net loans and leases to total assets | 53.6113% | 3,837 |
| Net loans and leases to deposits | 67.6121% | 3,496 |
| Net loans and leases to core deposits | 68.7185% | 3,716 |
| Total domestic deposits to total assets | 79.2924% | 4,000 |
| Equity capital to assets | 13.0207% | 1,174 |
| Core capital (leverage) ratio | 12.7000% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2483% | 271 |
| Memoranda: | ||
| Average total assets | $85,277,250 | 4,183 |
| Average earning assets | $79,953,500 | 4,167 |
| Average equity | $11,463,750 | 4,043 |
| Average total loans | $45,726,000 | 4,215 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2547% | 4,678 |
| Cost of funding earning assets | 0.8086% | 1,786 |
| Net interest margin | 2.4461% | 4,768 |
| Noninterest income to average assets | 0.3837% | 3,182 |
| Noninterest expense to average assets | 2.6885% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0158% | 4,793 |
| Return on assets (ROA) | 0.0763% | 4,737 |
| Pretax return on assets | 0.0906% | 4,732 |
| Return on Equity (ROE) | 0.5611% | 4,743 |
| Retained earnings to average equity (ytd only) | 0.5611% | 4,200 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7143% | 173 |
| Assets per employee ($millions) | 5.2447% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3829% | 4,914 |
| Loan loss allowance to noncurrent loans | 67.6923% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 3,149 |
| Noncurrent loans to loans | 0.5656% | 2,463 |
| Net loans and leases to total assets | 51.3594% | 4,072 |
| Net loans and leases to deposits | 64.8676% | 3,816 |
| Net loans and leases to core deposits | 66.2117% | 3,961 |
| Total domestic deposits to total assets | 79.1756% | 4,010 |
| Equity capital to assets | 13.1101% | 1,117 |
| Core capital (leverage) ratio | 13.0952% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6618% | 268 |
| Memoranda: | ||
| Average total assets | $83,912,000 | 4,207 |
| Average earning assets | $78,410,333 | 4,190 |
| Average equity | $11,406,000 | 4,057 |
| Average total loans | $44,938,000 | 4,237 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3757% | 4,753 |
| Cost of funding earning assets | 0.8917% | 1,910 |
| Net interest margin | 2.4840% | 4,838 |
| Noninterest income to average assets | 0.3937% | 3,151 |
| Noninterest expense to average assets | 2.5982% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0837% | 4,672 |
| Return on assets (ROA) | 0.0837% | 4,665 |
| Pretax return on assets | 0.0984% | 4,662 |
| Return on Equity (ROE) | 0.6037% | 4,680 |
| Retained earnings to average equity (ytd only) | 0.6037% | 3,843 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3504% | 315 |
| Assets per employee ($millions) | 5.1138% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3942% | 4,949 |
| Loan loss allowance to noncurrent loans | 57.7049% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 2,954 |
| Noncurrent loans to loans | 0.6831% | 2,287 |
| Net loans and leases to total assets | 54.3552% | 3,957 |
| Net loans and leases to deposits | 68.3238% | 3,706 |
| Net loans and leases to core deposits | 69.8563% | 3,887 |
| Total domestic deposits to total assets | 79.5554% | 3,939 |
| Equity capital to assets | 13.7886% | 1,127 |
| Core capital (leverage) ratio | 13.8307% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0738% | 262 |
| Memoranda: | ||
| Average total assets | $81,288,000 | 4,251 |
| Average earning assets | $75,363,000 | 4,232 |
| Average equity | $11,264,500 | 4,095 |
| Average total loans | $44,423,000 | 4,268 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 4,882 |
| Cost of funding earning assets | 0.8905% | 2,232 |
| Net interest margin | 2.5711% | 4,930 |
| Noninterest income to average assets | 0.2656% | 4,091 |
| Noninterest expense to average assets | 2.7012% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.0207% | 4,977 |
| Return on assets (ROA) | 0.0596% | 4,962 |
| Pretax return on assets | 0.0350% | 4,969 |
| Return on Equity (ROE) | 0.4154% | 4,964 |
| Retained earnings to average equity (ytd only) | 0.4154% | 4,572 |
| Net charge-offs to loans | 0.0301% | 2,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -2.6923% | 3,670 |
| Efficiency ratio | 101.7073% | 145 |
| Assets per employee ($millions) | 5.0472% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3982% | 4,990 |
| Loan loss allowance to noncurrent loans | 47.5676% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 2,572 |
| Noncurrent loans to loans | 0.8372% | 1,836 |
| Net loans and leases to total assets | 54.5106% | 4,048 |
| Net loans and leases to deposits | 68.0066% | 3,818 |
| Net loans and leases to core deposits | 69.5364% | 3,989 |
| Total domestic deposits to total assets | 80.1548% | 3,946 |
| Equity capital to assets | 13.9273% | 1,122 |
| Core capital (leverage) ratio | 14.1985% | 880 |
| Tier 1 risk-based capital ratio | 31.1770% | 436 |
| Total risk-based capital ratio | 31.6675% | 457 |
| Memoranda: | ||
| Average total assets | $77,187,600 | 4,332 |
| Average earning assets | $71,760,000 | 4,317 |
| Average equity | $11,072,600 | 4,118 |
| Average total loans | $43,256,600 | 4,327 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4426% | 4,994 |
| Cost of funding earning assets | 0.8798% | 2,319 |
| Net interest margin | 2.5627% | 5,027 |
| Noninterest income to average assets | 0.2534% | 4,221 |
| Noninterest expense to average assets | 2.6423% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0029% | 5,061 |
| Return on assets (ROA) | 0.0734% | 5,049 |
| Pretax return on assets | 0.0874% | 5,046 |
| Return on Equity (ROE) | 0.5078% | 5,054 |
| Retained earnings to average equity (ytd only) | 0.5078% | 4,664 |
| Net charge-offs to loans | 0.0403% | 2,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 0.1541% | 3,374 |
| Efficiency ratio | 99.8679% | 152 |
| Assets per employee ($millions) | 4.8268% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4047% | 5,057 |
| Loan loss allowance to noncurrent loans | 40.7407% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 2,203 |
| Noncurrent loans to loans | 0.9933% | 1,609 |
| Net loans and leases to total assets | 56.0864% | 4,043 |
| Net loans and leases to deposits | 71.0385% | 3,688 |
| Net loans and leases to core deposits | 72.7396% | 3,905 |
| Total domestic deposits to total assets | 78.9522% | 4,195 |
| Equity capital to assets | 14.6189% | 947 |
| Core capital (leverage) ratio | 14.6747% | 820 |
| Tier 1 risk-based capital ratio | 32.3011% | 419 |
| Total risk-based capital ratio | 32.8095% | 430 |
| Memoranda: | ||
| Average total assets | $76,295,750 | 4,399 |
| Average earning assets | $71,224,250 | 4,381 |
| Average equity | $11,029,000 | 4,157 |
| Average total loans | $43,021,750 | 4,390 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5202% | 4,994 |
| Cost of funding earning assets | 0.8723% | 2,286 |
| Net interest margin | 2.6479% | 5,043 |
| Noninterest income to average assets | 0.2869% | 4,022 |
| Noninterest expense to average assets | 2.6663% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0816% | 5,069 |
| Return on assets (ROA) | 0.0816% | 5,077 |
| Pretax return on assets | 0.0974% | 5,075 |
| Return on Equity (ROE) | 0.5666% | 5,080 |
| Retained earnings to average equity (ytd only) | 0.5666% | 4,548 |
| Net charge-offs to loans | 0.0607% | 1,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2.8462% | 2,901 |
| Efficiency ratio | 96.4762% | 198 |
| Assets per employee ($millions) | 5.3908% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4099% | 5,097 |
| Loan loss allowance to noncurrent loans | 35.6275% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 2,080 |
| Noncurrent loans to loans | 1.1506% | 1,410 |
| Net loans and leases to total assets | 56.6562% | 4,034 |
| Net loans and leases to deposits | 71.2080% | 3,752 |
| Net loans and leases to core deposits | 72.9315% | 3,947 |
| Total domestic deposits to total assets | 79.5643% | 4,124 |
| Equity capital to assets | 14.9263% | 834 |
| Core capital (leverage) ratio | 14.7086% | 771 |
| Tier 1 risk-based capital ratio | 28.0858% | 563 |
| Total risk-based capital ratio | 28.5283% | 591 |
| Memoranda: | ||
| Average total assets | $75,984,670 | 4,437 |
| Average earning assets | $71,075,670 | 4,422 |
| Average equity | $10,942,000 | 4,184 |
| Average total loans | $42,865,330 | 4,422 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5024% | 5,048 |
| Cost of funding earning assets | 0.8559% | 2,243 |
| Net interest margin | 2.6465% | 5,105 |
| Noninterest income to average assets | 0.2781% | 4,023 |
| Noninterest expense to average assets | 2.6180% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1102% | 5,084 |
| Return on assets (ROA) | 0.1102% | 5,090 |
| Pretax return on assets | 0.1259% | 5,087 |
| Return on Equity (ROE) | 0.7792% | 5,095 |
| Retained earnings to average equity (ytd only) | 0.7792% | 4,367 |
| Net charge-offs to loans | 0.1307% | 956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 2,565 |
| Efficiency ratio | 95.4111% | 242 |
| Assets per employee ($millions) | 5.4291% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4076% | 5,168 |
| Loan loss allowance to noncurrent loans | 30.2245% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 1,852 |
| Noncurrent loans to loans | 1.3485% | 1,203 |
| Net loans and leases to total assets | 56.2593% | 4,046 |
| Net loans and leases to deposits | 71.1888% | 3,668 |
| Net loans and leases to core deposits | 72.9001% | 3,874 |
| Total domestic deposits to total assets | 79.0282% | 4,343 |
| Equity capital to assets | 14.3605% | 916 |
| Core capital (leverage) ratio | 14.7183% | 762 |
| Tier 1 risk-based capital ratio | 27.8642% | 569 |
| Total risk-based capital ratio | 28.3011% | 603 |
| Memoranda: | ||
| Average total assets | $76,241,500 | 4,483 |
| Average earning assets | $71,037,000 | 4,468 |
| Average equity | $10,780,500 | 4,228 |
| Average total loans | $42,830,500 | 4,469 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 5,020 |
| Cost of funding earning assets | 0.6645% | 2,299 |
| Net interest margin | 2.7209% | 5,083 |
| Noninterest income to average assets | 0.2907% | 4,161 |
| Noninterest expense to average assets | 2.7512% | 2,855 |
| Loan and lease loss provision to assets | 0.0118% | 3,902 |
| Net operating income to assets | 0.0615% | 5,205 |
| Return on assets (ROA) | 0.0615% | 5,198 |
| Pretax return on assets | 0.0746% | 5,192 |
| Return on Equity (ROE) | 0.4432% | 5,202 |
| Retained earnings to average equity (ytd only) | 0.4432% | 4,863 |
| Net charge-offs to loans | 0.0024% | 3,658 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 964 |
| Efficiency ratio | 96.9543% | 192 |
| Assets per employee ($millions) | 4.2487% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4424% | 5,183 |
| Loan loss allowance to noncurrent loans | 29.7170% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 1,514 |
| Noncurrent loans to loans | 1.4886% | 1,024 |
| Net loans and leases to total assets | 55.6201% | 4,158 |
| Net loans and leases to deposits | 69.6478% | 3,856 |
| Net loans and leases to core deposits | 71.2878% | 4,038 |
| Total domestic deposits to total assets | 79.8590% | 4,136 |
| Equity capital to assets | 13.9207% | 998 |
| Core capital (leverage) ratio | 14.7499% | 745 |
| Tier 1 risk-based capital ratio | 27.7601% | 577 |
| Total risk-based capital ratio | 28.2311% | 605 |
| Memoranda: | ||
| Average total assets | $76,367,000 | 4,495 |
| Average earning assets | $71,484,400 | 4,468 |
| Average equity | $10,605,000 | 4,215 |
| Average total loans | $42,276,600 | 4,489 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3670% | 5,069 |
| Cost of funding earning assets | 0.6381% | 2,222 |
| Net interest margin | 2.7290% | 5,143 |
| Noninterest income to average assets | 0.2707% | 4,341 |
| Noninterest expense to average assets | 2.7543% | 2,797 |
| Loan and lease loss provision to assets | 0.0157% | 3,699 |
| Net operating income to assets | 0.0489% | 5,276 |
| Return on assets (ROA) | 0.0489% | 5,271 |
| Pretax return on assets | 0.0629% | 5,268 |
| Return on Equity (ROE) | 0.3523% | 5,278 |
| Retained earnings to average equity (ytd only) | 0.3523% | 4,980 |
| Net charge-offs to loans | 0.0032% | 3,359 |
| Credit loss provision to net charge-offs | 900.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 45.1128% | 1,252 |
| Efficiency ratio | 97.2256% | 186 |
| Assets per employee ($millions) | 4.7068% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4455% | 5,248 |
| Loan loss allowance to noncurrent loans | 41.7582% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 2,367 |
| Noncurrent loans to loans | 1.0668% | 1,600 |
| Net loans and leases to total assets | 56.3818% | 4,180 |
| Net loans and leases to deposits | 71.2404% | 3,831 |
| Net loans and leases to core deposits | 72.9679% | 4,013 |
| Total domestic deposits to total assets | 79.1430% | 4,292 |
| Equity capital to assets | 13.8432% | 1,010 |
| Core capital (leverage) ratio | 14.6669% | 785 |
| Tier 1 risk-based capital ratio | 33.1347% | 367 |
| Total risk-based capital ratio | 33.7008% | 378 |
| Memoranda: | ||
| Average total assets | $76,339,750 | 4,541 |
| Average earning assets | $71,673,750 | 4,506 |
| Average equity | $10,594,750 | 4,258 |
| Average total loans | $42,164,500 | 4,538 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3414% | 5,103 |
| Cost of funding earning assets | 0.6111% | 2,156 |
| Net interest margin | 2.7304% | 5,188 |
| Noninterest income to average assets | 0.3104% | 4,100 |
| Noninterest expense to average assets | 2.7855% | 2,704 |
| Loan and lease loss provision to assets | 0.0156% | 3,569 |
| Net operating income to assets | 0.0574% | 5,315 |
| Return on assets (ROA) | 0.0574% | 5,308 |
| Pretax return on assets | 0.0730% | 5,304 |
| Return on Equity (ROE) | 0.4131% | 5,313 |
| Retained earnings to average equity (ytd only) | 0.4131% | 4,887 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9147% | 206 |
| Assets per employee ($millions) | 4.2449% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4444% | 5,322 |
| Loan loss allowance to noncurrent loans | 37.8543% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 2,291 |
| Noncurrent loans to loans | 1.1740% | 1,483 |
| Net loans and leases to total assets | 54.8267% | 4,262 |
| Net loans and leases to deposits | 69.8911% | 3,870 |
| Net loans and leases to core deposits | 71.5699% | 4,037 |
| Total domestic deposits to total assets | 78.4460% | 4,519 |
| Equity capital to assets | 13.7224% | 1,022 |
| Core capital (leverage) ratio | 14.5252% | 777 |
| Tier 1 risk-based capital ratio | 33.1198% | 369 |
| Total risk-based capital ratio | 33.6770% | 390 |
| Memoranda: | ||
| Average total assets | $76,683,670 | 4,576 |
| Average earning assets | $72,005,000 | 4,549 |
| Average equity | $10,651,330 | 4,285 |
| Average total loans | $42,002,670 | 4,586 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2953% | 5,143 |
| Cost of funding earning assets | 0.5805% | 2,167 |
| Net interest margin | 2.7148% | 5,245 |
| Noninterest income to average assets | 0.4061% | 3,415 |
| Noninterest expense to average assets | 2.7076% | 3,020 |
| Loan and lease loss provision to assets | 0.0156% | 3,328 |
| Net operating income to assets | 0.1874% | 5,254 |
| Return on assets (ROA) | 0.1874% | 5,252 |
| Pretax return on assets | 0.2395% | 5,227 |
| Return on Equity (ROE) | 1.3415% | 5,275 |
| Retained earnings to average equity (ytd only) | 1.3415% | 4,531 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3884% | 387 |
| Assets per employee ($millions) | 4.8130% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4387% | 5,397 |
| Loan loss allowance to noncurrent loans | 36.9478% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 2,383 |
| Noncurrent loans to loans | 1.1872% | 1,541 |
| Net loans and leases to total assets | 54.2307% | 4,265 |
| Net loans and leases to deposits | 69.8607% | 3,799 |
| Net loans and leases to core deposits | 71.5617% | 4,002 |
| Total domestic deposits to total assets | 77.6270% | 4,785 |
| Equity capital to assets | 13.7661% | 959 |
| Core capital (leverage) ratio | 14.5257% | 754 |
| Tier 1 risk-based capital ratio | 33.2437% | 363 |
| Total risk-based capital ratio | 33.7934% | 382 |
| Memoranda: | ||
| Average total assets | $76,821,500 | 4,626 |
| Average earning assets | $72,345,500 | 4,587 |
| Average equity | $10,734,500 | 4,317 |
| Average total loans | $41,964,500 | 4,636 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1355% | 5,252 |
| Cost of funding earning assets | 0.4771% | 2,527 |
| Net interest margin | 2.6584% | 5,309 |
| Noninterest income to average assets | 0.2219% | 4,821 |
| Noninterest expense to average assets | 2.6466% | 3,292 |
| Loan and lease loss provision to assets | 0.0392% | 3,489 |
| Net operating income to assets | -0.0291% | 5,387 |
| Return on assets (ROA) | 0.0026% | 5,357 |
| Pretax return on assets | 0.0796% | 5,387 |
| Return on Equity (ROE) | 0.0182% | 5,356 |
| Retained earnings to average equity (ytd only) | 0.0182% | 5,002 |
| Net charge-offs to loans | 0.0462% | 2,862 |
| Credit loss provision to net charge-offs | 157.8947% | 1,691 |
| Earnings coverage of net charge-offs (x) | 2.7895% | 3,700 |
| Efficiency ratio | 97.4531% | 218 |
| Assets per employee ($millions) | 4.5079% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4311% | 5,463 |
| Loan loss allowance to noncurrent loans | 37.3196% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 2,360 |
| Noncurrent loans to loans | 1.1552% | 1,538 |
| Net loans and leases to total assets | 54.5469% | 4,311 |
| Net loans and leases to deposits | 69.5877% | 3,909 |
| Net loans and leases to core deposits | 71.2676% | 4,098 |
| Total domestic deposits to total assets | 78.3859% | 4,656 |
| Equity capital to assets | 14.1815% | 858 |
| Core capital (leverage) ratio | 14.2723% | 780 |
| Tier 1 risk-based capital ratio | 33.0810% | 370 |
| Total risk-based capital ratio | 33.6226% | 381 |
| Memoranda: | ||
| Average total assets | $76,625,600 | 4,654 |
| Average earning assets | $71,885,600 | 4,628 |
| Average equity | $10,971,600 | 4,301 |
| Average total loans | $41,092,200 | 4,697 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0931% | 5,342 |
| Cost of funding earning assets | 0.4567% | 2,647 |
| Net interest margin | 2.6363% | 5,381 |
| Noninterest income to average assets | 0.2332% | 4,819 |
| Noninterest expense to average assets | 2.5753% | 3,485 |
| Loan and lease loss provision to assets | 0.0400% | 3,309 |
| Net operating income to assets | 0.0670% | 5,470 |
| Return on assets (ROA) | 0.1061% | 5,454 |
| Pretax return on assets | 0.1409% | 5,433 |
| Return on Equity (ROE) | 0.7395% | 5,458 |
| Retained earnings to average equity (ytd only) | 0.7395% | 5,050 |
| Net charge-offs to loans | 0.0098% | 3,381 |
| Credit loss provision to net charge-offs | 766.6667% | 447 |
| Earnings coverage of net charge-offs (x) | 24.6650% | 1,758 |
| Efficiency ratio | 95.2381% | 263 |
| Assets per employee ($millions) | 4.5691% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4505% | 5,519 |
| Loan loss allowance to noncurrent loans | 24.2656% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0080% | 1,684 |
| Noncurrent loans to loans | 1.8565% | 941 |
| Net loans and leases to total assets | 54.0547% | 4,411 |
| Net loans and leases to deposits | 68.7185% | 4,064 |
| Net loans and leases to core deposits | 70.3441% | 4,222 |
| Total domestic deposits to total assets | 78.6611% | 4,601 |
| Equity capital to assets | 14.3135% | 910 |
| Core capital (leverage) ratio | 14.4845% | 771 |
| Tier 1 risk-based capital ratio | 35.0963% | 322 |
| Total risk-based capital ratio | 35.6962% | 330 |
| Memoranda: | ||
| Average total assets | $76,623,250 | 4,701 |
| Average earning assets | $71,815,000 | 4,675 |
| Average equity | $10,997,500 | 4,340 |
| Average total loans | $40,869,500 | 4,748 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0682% | 5,377 |
| Cost of funding earning assets | 0.4431% | 2,664 |
| Net interest margin | 2.6250% | 5,419 |
| Noninterest income to average assets | 0.2386% | 4,811 |
| Noninterest expense to average assets | 2.6353% | 3,325 |
| Loan and lease loss provision to assets | 0.0393% | 3,224 |
| Net operating income to assets | 0.0136% | 5,544 |
| Return on assets (ROA) | 0.0734% | 5,518 |
| Pretax return on assets | 0.0970% | 5,514 |
| Return on Equity (ROE) | 0.5111% | 5,524 |
| Retained earnings to average equity (ytd only) | 0.5111% | 4,974 |
| Net charge-offs to loans | 0.0049% | 3,291 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,727 |
| Efficiency ratio | 97.8578% | 219 |
| Assets per employee ($millions) | 5.1255% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4387% | 5,579 |
| Loan loss allowance to noncurrent loans | 16.8950% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.4685% | 1,050 |
| Noncurrent loans to loans | 2.5964% | 554 |
| Net loans and leases to total assets | 54.6136% | 4,347 |
| Net loans and leases to deposits | 67.8923% | 4,083 |
| Net loans and leases to core deposits | 69.4763% | 4,259 |
| Total domestic deposits to total assets | 80.4415% | 4,313 |
| Equity capital to assets | 14.3350% | 870 |
| Core capital (leverage) ratio | 14.5630% | 728 |
| Tier 1 risk-based capital ratio | 34.5299% | 319 |
| Total risk-based capital ratio | 35.1064% | 332 |
| Memoranda: | ||
| Average total assets | $76,272,670 | 4,741 |
| Average earning assets | $71,313,000 | 4,716 |
| Average equity | $10,957,330 | 4,366 |
| Average total loans | $40,433,670 | 4,793 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9981% | 5,459 |
| Cost of funding earning assets | 0.4339% | 2,672 |
| Net interest margin | 2.5641% | 5,491 |
| Noninterest income to average assets | 0.3528% | 4,019 |
| Noninterest expense to average assets | 2.6380% | 3,350 |
| Loan and lease loss provision to assets | 0.0369% | 3,062 |
| Net operating income to assets | 0.0474% | 5,573 |
| Return on assets (ROA) | 0.0474% | 5,579 |
| Pretax return on assets | 0.0737% | 5,550 |
| Return on Equity (ROE) | 0.3295% | 5,585 |
| Retained earnings to average equity (ytd only) | 0.3295% | 4,841 |
| Net charge-offs to loans | 0.0101% | 2,629 |
| Credit loss provision to net charge-offs | 700.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,465 |
| Efficiency ratio | 95.9770% | 321 |
| Assets per employee ($millions) | 4.4775% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4402% | 5,653 |
| Loan loss allowance to noncurrent loans | 22.3485% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 1,748 |
| Noncurrent loans to loans | 1.9697% | 907 |
| Net loans and leases to total assets | 52.5933% | 4,463 |
| Net loans and leases to deposits | 64.1431% | 4,298 |
| Net loans and leases to core deposits | 65.6225% | 4,451 |
| Total domestic deposits to total assets | 81.9937% | 4,170 |
| Equity capital to assets | 14.3606% | 795 |
| Core capital (leverage) ratio | 14.6818% | 672 |
| Tier 1 risk-based capital ratio | 38.7306% | 241 |
| Total risk-based capital ratio | 39.3502% | 251 |
| Memoranda: | ||
| Average total assets | $75,968,000 | 4,793 |
| Average earning assets | $70,979,000 | 4,765 |
| Average equity | $10,925,500 | 4,400 |
| Average total loans | $39,564,000 | 4,867 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0101% | 5,493 |
| Cost of funding earning assets | 0.4159% | 2,854 |
| Net interest margin | 2.5942% | 5,521 |
| Noninterest income to average assets | 0.3944% | 3,936 |
| Noninterest expense to average assets | 2.6647% | 3,473 |
| Loan and lease loss provision to assets | 0.0343% | 3,677 |
| Net operating income to assets | 0.1280% | 5,528 |
| Return on assets (ROA) | 0.1280% | 5,559 |
| Pretax return on assets | 0.1227% | 5,571 |
| Return on Equity (ROE) | 0.8693% | 5,582 |
| Retained earnings to average equity (ytd only) | 0.8693% | 4,974 |
| Net charge-offs to loans | 0.1670% | 1,621 |
| Credit loss provision to net charge-offs | 41.2698% | 3,487 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 3,924 |
| Efficiency ratio | 94.4367% | 365 |
| Assets per employee ($millions) | 4.7386% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4368% | 5,710 |
| Loan loss allowance to noncurrent loans | 23.7762% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 2,016 |
| Noncurrent loans to loans | 1.8372% | 1,030 |
| Net loans and leases to total assets | 51.1066% | 4,679 |
| Net loans and leases to deposits | 62.3670% | 4,519 |
| Net loans and leases to core deposits | 63.8300% | 4,643 |
| Total domestic deposits to total assets | 81.9449% | 4,092 |
| Equity capital to assets | 14.4029% | 763 |
| Core capital (leverage) ratio | 14.5866% | 676 |
| Tier 1 risk-based capital ratio | 39.4884% | 228 |
| Total risk-based capital ratio | 40.0957% | 236 |
| Memoranda: | ||
| Average total assets | $75,804,600 | 4,819 |
| Average earning assets | $70,928,800 | 4,781 |
| Average equity | $11,159,000 | 4,405 |
| Average total loans | $37,722,200 | 4,955 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0120% | 5,559 |
| Cost of funding earning assets | 0.4129% | 2,905 |
| Net interest margin | 2.5992% | 5,587 |
| Noninterest income to average assets | 0.4274% | 3,715 |
| Noninterest expense to average assets | 2.6754% | 3,412 |
| Loan and lease loss provision to assets | 0.0334% | 3,565 |
| Net operating income to assets | 0.1794% | 5,500 |
| Return on assets (ROA) | 0.1794% | 5,561 |
| Pretax return on assets | 0.1548% | 5,620 |
| Return on Equity (ROE) | 1.2123% | 5,622 |
| Retained earnings to average equity (ytd only) | 1.2123% | 5,026 |
| Net charge-offs to loans | 0.2245% | 1,045 |
| Credit loss provision to net charge-offs | 30.1587% | 3,226 |
| Earnings coverage of net charge-offs (x) | 1.6983% | 3,663 |
| Efficiency ratio | 93.4275% | 408 |
| Assets per employee ($millions) | 4.4845% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4183% | 5,788 |
| Loan loss allowance to noncurrent loans | 29.1592% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 2,725 |
| Noncurrent loans to loans | 1.4345% | 1,510 |
| Net loans and leases to total assets | 50.9018% | 4,745 |
| Net loans and leases to deposits | 61.9627% | 4,631 |
| Net loans and leases to core deposits | 63.4002% | 4,754 |
| Total domestic deposits to total assets | 82.1491% | 3,902 |
| Equity capital to assets | 14.8957% | 762 |
| Core capital (leverage) ratio | 14.5603% | 709 |
| Tier 1 risk-based capital ratio | 39.0135% | 241 |
| Total risk-based capital ratio | 39.5886% | 255 |
| Memoranda: | ||
| Average total assets | $75,801,250 | 4,854 |
| Average earning assets | $71,047,000 | 4,816 |
| Average equity | $11,218,750 | 4,432 |
| Average total loans | $37,423,250 | 5,012 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9997% | 5,650 |
| Cost of funding earning assets | 0.4112% | 2,929 |
| Net interest margin | 2.5884% | 5,677 |
| Noninterest income to average assets | 0.4071% | 3,822 |
| Noninterest expense to average assets | 2.7704% | 3,133 |
| Loan and lease loss provision to assets | 0.0291% | 3,547 |
| Net operating income to assets | 0.0767% | 5,698 |
| Return on assets (ROA) | 0.0767% | 5,734 |
| Pretax return on assets | 0.0370% | 5,771 |
| Return on Equity (ROE) | 0.5191% | 5,748 |
| Retained earnings to average equity (ytd only) | 0.5191% | 5,148 |
| Net charge-offs to loans | 0.0163% | 3,192 |
| Credit loss provision to net charge-offs | 366.6667% | 826 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,523 |
| Efficiency ratio | 97.6701% | 292 |
| Assets per employee ($millions) | 4.4849% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5701% | 5,716 |
| Loan loss allowance to noncurrent loans | 55.4124% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 3,292 |
| Noncurrent loans to loans | 1.0289% | 2,229 |
| Net loans and leases to total assets | 49.1796% | 4,896 |
| Net loans and leases to deposits | 59.8786% | 4,807 |
| Net loans and leases to core deposits | 61.0147% | 4,933 |
| Total domestic deposits to total assets | 82.1321% | 3,966 |
| Equity capital to assets | 14.7778% | 795 |
| Core capital (leverage) ratio | 14.4950% | 712 |
| Tier 1 risk-based capital ratio | 39.4350% | 239 |
| Total risk-based capital ratio | 40.2068% | 244 |
| Memoranda: | ||
| Average total assets | $75,656,000 | 4,896 |
| Average earning assets | $71,008,000 | 4,857 |
| Average equity | $11,173,000 | 4,464 |
| Average total loans | $36,908,000 | 5,077 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0044% | 5,690 |
| Cost of funding earning assets | 0.4025% | 3,040 |
| Net interest margin | 2.6019% | 5,718 |
| Noninterest income to average assets | 0.2919% | 4,634 |
| Noninterest expense to average assets | 2.6326% | 3,648 |
| Loan and lease loss provision to assets | 0.0265% | 3,320 |
| Net operating income to assets | 0.1486% | 5,614 |
| Return on assets (ROA) | 0.1486% | 5,668 |
| Pretax return on assets | 0.0690% | 5,766 |
| Return on Equity (ROE) | 1.0067% | 5,691 |
| Retained earnings to average equity (ytd only) | 1.0067% | 4,836 |
| Net charge-offs to loans | 0.0329% | 2,301 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,274 |
| Efficiency ratio | 96.4981% | 386 |
| Assets per employee ($millions) | 4.4379% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5681% | 5,793 |
| Loan loss allowance to noncurrent loans | 55.1451% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 3,594 |
| Noncurrent loans to loans | 1.0303% | 2,321 |
| Net loans and leases to total assets | 48.4830% | 4,928 |
| Net loans and leases to deposits | 58.5660% | 4,814 |
| Net loans and leases to core deposits | 59.6773% | 4,960 |
| Total domestic deposits to total assets | 82.7835% | 3,975 |
| Equity capital to assets | 14.8399% | 732 |
| Core capital (leverage) ratio | 14.8030% | 643 |
| Tier 1 risk-based capital ratio | 40.2816% | 230 |
| Total risk-based capital ratio | 41.0481% | 229 |
| Memoranda: | ||
| Average total assets | $75,362,500 | 4,948 |
| Average earning assets | $70,564,000 | 4,908 |
| Average equity | $11,126,000 | 4,479 |
| Average total loans | $36,506,500 | 5,127 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 5,741 |
| Cost of funding earning assets | 0.4399% | 2,742 |
| Net interest margin | 2.5429% | 5,800 |
| Noninterest income to average assets | 0.2933% | 4,785 |
| Noninterest expense to average assets | 2.6843% | 3,638 |
| Loan and lease loss provision to assets | 0.0118% | 4,174 |
| Net operating income to assets | -0.0105% | 5,874 |
| Return on assets (ROA) | -0.0105% | 5,900 |
| Pretax return on assets | -0.0262% | 5,901 |
| Return on Equity (ROE) | -0.0718% | 5,901 |
| Retained earnings to average equity (ytd only) | -0.0718% | 5,525 |
| Net charge-offs to loans | 0.1073% | 2,313 |
| Credit loss provision to net charge-offs | 23.6842% | 3,715 |
| Earnings coverage of net charge-offs (x) | -0.2895% | 4,293 |
| Efficiency ratio | 100.5395% | 269 |
| Assets per employee ($millions) | 4.1822% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5714% | 5,833 |
| Loan loss allowance to noncurrent loans | 33.8235% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 2,635 |
| Noncurrent loans to loans | 1.6894% | 1,343 |
| Net loans and leases to total assets | 47.8467% | 5,022 |
| Net loans and leases to deposits | 56.6639% | 5,003 |
| Net loans and leases to core deposits | 57.7366% | 5,117 |
| Total domestic deposits to total assets | 84.4394% | 3,314 |
| Equity capital to assets | 14.6865% | 737 |
| Core capital (leverage) ratio | 14.5670% | 699 |
| Tier 1 risk-based capital ratio | 40.7551% | 221 |
| Total risk-based capital ratio | 41.5250% | 223 |
| Memoranda: | ||
| Average total assets | $76,369,400 | 4,939 |
| Average earning assets | $71,376,200 | 4,908 |
| Average equity | $11,141,400 | 4,448 |
| Average total loans | $35,400,000 | 5,179 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9930% | 5,816 |
| Cost of funding earning assets | 0.4448% | 2,736 |
| Net interest margin | 2.5481% | 5,879 |
| Noninterest income to average assets | 0.3079% | 4,733 |
| Noninterest expense to average assets | 2.7243% | 3,481 |
| Loan and lease loss provision to assets | 0.0052% | 4,161 |
| Net operating income to assets | -0.0087% | 5,945 |
| Return on assets (ROA) | -0.0087% | 5,979 |
| Pretax return on assets | -0.0400% | 5,991 |
| Return on Equity (ROE) | -0.0598% | 5,977 |
| Retained earnings to average equity (ytd only) | -0.0598% | 5,604 |
| Net charge-offs to loans | 0.1061% | 2,070 |
| Credit loss provision to net charge-offs | 10.7143% | 3,445 |
| Earnings coverage of net charge-offs (x) | -0.7144% | 4,040 |
| Efficiency ratio | 101.2937% | 276 |
| Assets per employee ($millions) | 4.2121% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 5,912 |
| Loan loss allowance to noncurrent loans | 61.1594% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 3,931 |
| Noncurrent loans to loans | 0.9644% | 2,574 |
| Net loans and leases to total assets | 46.9044% | 5,156 |
| Net loans and leases to deposits | 55.7197% | 5,144 |
| Net loans and leases to core deposits | 56.9986% | 5,253 |
| Total domestic deposits to total assets | 84.1792% | 3,349 |
| Equity capital to assets | 14.7854% | 788 |
| Core capital (leverage) ratio | 14.2555% | 797 |
| Tier 1 risk-based capital ratio | 41.6348% | 229 |
| Total risk-based capital ratio | 42.4502% | 231 |
| Memoranda: | ||
| Average total assets | $76,641,750 | 4,990 |
| Average earning assets | $71,633,250 | 4,961 |
| Average equity | $11,162,750 | 4,502 |
| Average total loans | $35,193,500 | 5,241 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9912% | 5,865 |
| Cost of funding earning assets | 0.4448% | 2,785 |
| Net interest margin | 2.5464% | 5,925 |
| Noninterest income to average assets | 0.2912% | 4,881 |
| Noninterest expense to average assets | 2.8551% | 3,048 |
| Loan and lease loss provision to assets | 0.0078% | 3,951 |
| Net operating income to assets | -0.0936% | 6,048 |
| Return on assets (ROA) | -0.0936% | 6,074 |
| Pretax return on assets | -0.1898% | 6,104 |
| Return on Equity (ROE) | -0.6459% | 6,065 |
| Retained earnings to average equity (ytd only) | -0.6459% | 5,634 |
| Net charge-offs to loans | 0.0171% | 3,368 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | -23.3333% | 3,862 |
| Efficiency ratio | 106.8093% | 212 |
| Assets per employee ($millions) | 4.4380% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6748% | 5,861 |
| Loan loss allowance to noncurrent loans | 66.4789% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 3,729 |
| Noncurrent loans to loans | 1.0151% | 2,616 |
| Net loans and leases to total assets | 46.0409% | 5,241 |
| Net loans and leases to deposits | 54.6404% | 5,213 |
| Net loans and leases to core deposits | 56.1499% | 5,303 |
| Total domestic deposits to total assets | 84.2616% | 3,461 |
| Equity capital to assets | 14.6674% | 777 |
| Core capital (leverage) ratio | 14.1813% | 790 |
| Tier 1 risk-based capital ratio | 42.3649% | 229 |
| Total risk-based capital ratio | 43.2868% | 229 |
| Memoranda: | ||
| Average total assets | $76,916,330 | 5,038 |
| Average earning assets | $71,945,330 | 5,000 |
| Average equity | $11,147,000 | 4,535 |
| Average total loans | $35,000,330 | 5,296 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9852% | 5,910 |
| Cost of funding earning assets | 0.4516% | 2,754 |
| Net interest margin | 2.5335% | 5,981 |
| Noninterest income to average assets | 0.3039% | 4,754 |
| Noninterest expense to average assets | 2.8538% | 3,055 |
| Loan and lease loss provision to assets | 0.0155% | 3,523 |
| Net operating income to assets | -0.0773% | 6,080 |
| Return on assets (ROA) | -0.0773% | 6,114 |
| Pretax return on assets | -0.1957% | 6,154 |
| Return on Equity (ROE) | -0.5363% | 6,099 |
| Retained earnings to average equity (ytd only) | -0.5363% | 5,476 |
| Net charge-offs to loans | 0.0343% | 2,521 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | -11.6667% | 3,248 |
| Efficiency ratio | 106.7437% | 230 |
| Assets per employee ($millions) | 4.5580% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 5,942 |
| Loan loss allowance to noncurrent loans | 79.1946% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 3,541 |
| Noncurrent loans to loans | 0.8574% | 3,101 |
| Net loans and leases to total assets | 44.5526% | 5,308 |
| Net loans and leases to deposits | 52.9560% | 5,270 |
| Net loans and leases to core deposits | 54.6537% | 5,335 |
| Total domestic deposits to total assets | 84.1313% | 3,768 |
| Equity capital to assets | 14.5213% | 824 |
| Core capital (leverage) ratio | 14.6049% | 669 |
| Tier 1 risk-based capital ratio | 38.5788% | 278 |
| Total risk-based capital ratio | 39.3766% | 285 |
| Memoranda: | ||
| Average total assets | $77,651,500 | 5,080 |
| Average earning assets | $72,625,500 | 5,041 |
| Average equity | $11,187,500 | 4,562 |
| Average total loans | $35,014,500 | 5,330 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0302% | 6,029 |
| Cost of funding earning assets | 0.5232% | 2,463 |
| Net interest margin | 2.5071% | 6,147 |
| Noninterest income to average assets | 0.2737% | 5,160 |
| Noninterest expense to average assets | 2.5511% | 4,394 |
| Loan and lease loss provision to assets | 0.0646% | 3,217 |
| Net operating income to assets | -0.0025% | 6,092 |
| Return on assets (ROA) | -0.0025% | 6,112 |
| Pretax return on assets | -0.0038% | 6,098 |
| Return on Equity (ROE) | -0.0181% | 6,111 |
| Retained earnings to average equity (ytd only) | -0.0181% | 5,768 |
| Net charge-offs to loans | 0.0426% | 3,969 |
| Credit loss provision to net charge-offs | 340.0000% | 774 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 3,945 |
| Efficiency ratio | 97.6710% | 436 |
| Assets per employee ($millions) | 4.5775% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 6,046 |
| Loan loss allowance to noncurrent loans | 127.5676% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 3,945 |
| Noncurrent loans to loans | 0.5245% | 4,096 |
| Net loans and leases to total assets | 45.0223% | 5,403 |
| Net loans and leases to deposits | 53.3590% | 5,376 |
| Net loans and leases to core deposits | 54.7961% | 5,457 |
| Total domestic deposits to total assets | 84.3762% | 3,566 |
| Equity capital to assets | 14.2938% | 876 |
| Core capital (leverage) ratio | 14.0895% | 792 |
| Tier 1 risk-based capital ratio | 36.1050% | 307 |
| Total risk-based capital ratio | 36.8821% | 317 |
| Memoranda: | ||
| Average total assets | $78,906,800 | 5,094 |
| Average earning assets | $73,591,600 | 5,049 |
| Average equity | $11,065,400 | 4,552 |
| Average total loans | $35,237,600 | 5,355 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0137% | 6,125 |
| Cost of funding earning assets | 0.5348% | 2,420 |
| Net interest margin | 2.4789% | 6,249 |
| Noninterest income to average assets | 0.2391% | 5,490 |
| Noninterest expense to average assets | 2.5578% | 4,327 |
| Loan and lease loss provision to assets | 0.0808% | 2,734 |
| Net operating income to assets | -0.0488% | 6,181 |
| Return on assets (ROA) | -0.0488% | 6,187 |
| Pretax return on assets | -0.0893% | 6,198 |
| Return on Equity (ROE) | -0.3499% | 6,181 |
| Retained earnings to average equity (ytd only) | -0.3499% | 5,857 |
| Net charge-offs to loans | 0.0568% | 3,407 |
| Credit loss provision to net charge-offs | 320.0000% | 873 |
| Earnings coverage of net charge-offs (x) | -0.3335% | 4,489 |
| Efficiency ratio | 100.3303% | 356 |
| Assets per employee ($millions) | 5.0019% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6661% | 6,144 |
| Loan loss allowance to noncurrent loans | 89.2720% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 3,205 |
| Noncurrent loans to loans | 0.7462% | 3,736 |
| Net loans and leases to total assets | 43.4144% | 5,568 |
| Net loans and leases to deposits | 51.0708% | 5,581 |
| Net loans and leases to core deposits | 53.0936% | 5,622 |
| Total domestic deposits to total assets | 85.0083% | 3,334 |
| Equity capital to assets | 13.8022% | 1,072 |
| Core capital (leverage) ratio | 13.7072% | 926 |
| Tier 1 risk-based capital ratio | 35.2545% | 346 |
| Total risk-based capital ratio | 36.0055% | 354 |
| Memoranda: | ||
| Average total assets | $79,179,250 | 5,142 |
| Average earning assets | $73,795,250 | 5,106 |
| Average equity | $11,051,000 | 4,583 |
| Average total loans | $35,229,250 | 5,410 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9969% | 6,185 |
| Cost of funding earning assets | 0.5466% | 2,377 |
| Net interest margin | 2.4503% | 6,321 |
| Noninterest income to average assets | 0.2053% | 5,726 |
| Noninterest expense to average assets | 2.6744% | 3,962 |
| Loan and lease loss provision to assets | 0.0913% | 2,501 |
| Net operating income to assets | -0.1724% | 6,299 |
| Return on assets (ROA) | -0.1724% | 6,313 |
| Pretax return on assets | -0.2763% | 6,351 |
| Return on Equity (ROE) | -1.2305% | 6,286 |
| Retained earnings to average equity (ytd only) | -1.2305% | 5,889 |
| Net charge-offs to loans | 0.0850% | 2,839 |
| Credit loss provision to net charge-offs | 240.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | -4.8667% | 4,287 |
| Efficiency ratio | 107.4338% | 265 |
| Assets per employee ($millions) | 4.3798% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6322% | 6,271 |
| Loan loss allowance to noncurrent loans | 64.0580% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 3,028 |
| Noncurrent loans to loans | 0.9870% | 3,257 |
| Net loans and leases to total assets | 44.0580% | 5,530 |
| Net loans and leases to deposits | 51.6660% | 5,520 |
| Net loans and leases to core deposits | 53.7345% | 5,572 |
| Total domestic deposits to total assets | 85.2747% | 3,373 |
| Equity capital to assets | 14.0480% | 952 |
| Core capital (leverage) ratio | 13.8247% | 877 |
| Tier 1 risk-based capital ratio | 35.4554% | 329 |
| Total risk-based capital ratio | 36.1744% | 342 |
| Memoranda: | ||
| Average total assets | $78,895,330 | 5,187 |
| Average earning assets | $73,542,330 | 5,151 |
| Average equity | $11,052,670 | 4,598 |
| Average total loans | $35,313,000 | 5,447 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9482% | 6,286 |
| Cost of funding earning assets | 0.5582% | 2,361 |
| Net interest margin | 2.3900% | 6,428 |
| Noninterest income to average assets | 0.1977% | 5,781 |
| Noninterest expense to average assets | 2.5695% | 4,381 |
| Loan and lease loss provision to assets | 0.0912% | 2,395 |
| Net operating income to assets | -0.1419% | 6,314 |
| Return on assets (ROA) | -0.1419% | 6,322 |
| Pretax return on assets | -0.2281% | 6,360 |
| Return on Equity (ROE) | -1.0144% | 6,300 |
| Retained earnings to average equity (ytd only) | -1.0144% | 5,728 |
| Net charge-offs to loans | 0.0902% | 2,259 |
| Credit loss provision to net charge-offs | 225.0000% | 960 |
| Earnings coverage of net charge-offs (x) | -3.3750% | 3,562 |
| Efficiency ratio | 105.6250% | 342 |
| Assets per employee ($millions) | 4.9418% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5987% | 6,412 |
| Loan loss allowance to noncurrent loans | 34.4828% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.2660% | 2,745 |
| Noncurrent loans to loans | 1.7363% | 2,232 |
| Net loans and leases to total assets | 44.0931% | 5,502 |
| Net loans and leases to deposits | 51.7416% | 5,472 |
| Net loans and leases to core deposits | 53.8041% | 5,514 |
| Total domestic deposits to total assets | 85.2180% | 3,767 |
| Equity capital to assets | 13.9675% | 928 |
| Core capital (leverage) ratio | 13.8348% | 873 |
| Tier 1 risk-based capital ratio | 34.7844% | 358 |
| Total risk-based capital ratio | 35.4522% | 364 |
| Memoranda: | ||
| Average total assets | $78,924,500 | 5,226 |
| Average earning assets | $73,807,500 | 5,183 |
| Average equity | $11,041,500 | 4,601 |
| Average total loans | $35,492,000 | 5,484 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8386% | 6,474 |
| Cost of funding earning assets | 0.6328% | 2,357 |
| Net interest margin | 2.2058% | 6,578 |
| Noninterest income to average assets | 0.2737% | 5,397 |
| Noninterest expense to average assets | 2.5873% | 4,510 |
| Loan and lease loss provision to assets | 0.0542% | 4,055 |
| Net operating income to assets | -0.1993% | 6,363 |
| Return on assets (ROA) | -0.1993% | 6,373 |
| Pretax return on assets | -0.3229% | 6,418 |
| Return on Equity (ROE) | -1.4040% | 6,349 |
| Retained earnings to average equity (ytd only) | -1.4040% | 6,117 |
| Net charge-offs to loans | 0.1482% | 3,323 |
| Credit loss provision to net charge-offs | 81.1321% | 3,018 |
| Earnings coverage of net charge-offs (x) | -4.0189% | 5,375 |
| Efficiency ratio | 111.5887% | 249 |
| Assets per employee ($millions) | 4.6341% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5569% | 6,518 |
| Loan loss allowance to noncurrent loans | 33.5570% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 1.1602% | 3,078 |
| Noncurrent loans to loans | 1.6597% | 2,419 |
| Net loans and leases to total assets | 45.3288% | 5,550 |
| Net loans and leases to deposits | 53.1533% | 5,539 |
| Net loans and leases to core deposits | 55.6231% | 5,564 |
| Total domestic deposits to total assets | 85.2793% | 3,607 |
| Equity capital to assets | 14.0124% | 893 |
| Core capital (leverage) ratio | 13.9198% | 849 |
| Tier 1 risk-based capital ratio | 34.7135% | 341 |
| Total risk-based capital ratio | 35.3466% | 354 |
| Memoranda: | ||
| Average total assets | $79,273,000 | 5,253 |
| Average earning assets | $73,486,800 | 5,211 |
| Average equity | $11,253,600 | 4,589 |
| Average total loans | $35,770,800 | 5,503 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7922% | 6,571 |
| Cost of funding earning assets | 0.6490% | 2,367 |
| Net interest margin | 2.1432% | 6,678 |
| Noninterest income to average assets | 0.2620% | 5,575 |
| Noninterest expense to average assets | 2.6415% | 4,240 |
| Loan and lease loss provision to assets | 0.0369% | 4,274 |
| Net operating income to assets | -0.2687% | 6,505 |
| Return on assets (ROA) | -0.2687% | 6,521 |
| Pretax return on assets | -0.4366% | 6,570 |
| Return on Equity (ROE) | -1.8867% | 6,476 |
| Retained earnings to average equity (ytd only) | -1.8867% | 6,252 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.8277% | 192 |
| Assets per employee ($millions) | 4.6368% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6416% | 6,512 |
| Loan loss allowance to noncurrent loans | 51.2141% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 3,773 |
| Noncurrent loans to loans | 1.2528% | 3,307 |
| Net loans and leases to total assets | 45.5776% | 5,589 |
| Net loans and leases to deposits | 53.4986% | 5,582 |
| Net loans and leases to core deposits | 55.7639% | 5,643 |
| Total domestic deposits to total assets | 85.1940% | 3,637 |
| Equity capital to assets | 14.0512% | 955 |
| Core capital (leverage) ratio | 13.9091% | 889 |
| Tier 1 risk-based capital ratio | 34.7259% | 345 |
| Total risk-based capital ratio | 35.4607% | 357 |
| Memoranda: | ||
| Average total assets | $79,396,250 | 5,305 |
| Average earning assets | $73,344,750 | 5,263 |
| Average equity | $11,307,250 | 4,626 |
| Average total loans | $35,736,000 | 5,555 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8168% | 6,600 |
| Cost of funding earning assets | 0.6694% | 2,324 |
| Net interest margin | 2.1474% | 6,713 |
| Noninterest income to average assets | 0.2815% | 5,436 |
| Noninterest expense to average assets | 2.7241% | 3,950 |
| Loan and lease loss provision to assets | 0.0352% | 4,244 |
| Net operating income to assets | -0.3116% | 6,555 |
| Return on assets (ROA) | -0.3116% | 6,586 |
| Pretax return on assets | -0.5026% | 6,629 |
| Return on Equity (ROE) | -2.1784% | 6,532 |
| Retained earnings to average equity (ytd only) | -2.1784% | 6,212 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.7127% | 178 |
| Assets per employee ($millions) | 4.9919% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6385% | 6,570 |
| Loan loss allowance to noncurrent loans | 42.7481% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 1.0855% | 3,564 |
| Noncurrent loans to loans | 1.4936% | 3,064 |
| Net loans and leases to total assets | 43.6441% | 5,771 |
| Net loans and leases to deposits | 51.2919% | 5,747 |
| Net loans and leases to core deposits | 52.6277% | 5,840 |
| Total domestic deposits to total assets | 85.0897% | 3,852 |
| Equity capital to assets | 14.0664% | 947 |
| Core capital (leverage) ratio | 13.9410% | 837 |
| Tier 1 risk-based capital ratio | 35.4199% | 326 |
| Total risk-based capital ratio | 36.1412% | 337 |
| Memoranda: | ||
| Average total assets | $79,586,330 | 5,332 |
| Average earning assets | $73,204,330 | 5,298 |
| Average equity | $11,384,330 | 4,644 |
| Average total loans | $35,595,000 | 5,595 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9257% | 6,583 |
| Cost of funding earning assets | 0.7013% | 2,191 |
| Net interest margin | 2.2244% | 6,742 |
| Noninterest income to average assets | 0.2719% | 5,507 |
| Noninterest expense to average assets | 2.8448% | 3,560 |
| Loan and lease loss provision to assets | 0.0302% | 4,078 |
| Net operating income to assets | -0.3474% | 6,605 |
| Return on assets (ROA) | -0.3474% | 6,635 |
| Pretax return on assets | -0.5589% | 6,693 |
| Return on Equity (ROE) | -2.4086% | 6,581 |
| Retained earnings to average equity (ytd only) | -2.4086% | 6,126 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8261% | 195 |
| Assets per employee ($millions) | 4.9730% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6049% | 6,703 |
| Loan loss allowance to noncurrent loans | 88.1633% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0218% | 3,885 |
| Noncurrent loans to loans | 0.6861% | 4,755 |
| Net loans and leases to total assets | 44.6071% | 5,599 |
| Net loans and leases to deposits | 52.7009% | 5,553 |
| Net loans and leases to core deposits | 54.2997% | 5,645 |
| Total domestic deposits to total assets | 84.6421% | 4,204 |
| Equity capital to assets | 14.3563% | 919 |
| Core capital (leverage) ratio | 14.0551% | 785 |
| Tier 1 risk-based capital ratio | 34.7849% | 353 |
| Total risk-based capital ratio | 35.4646% | 365 |
| Memoranda: | ||
| Average total assets | $79,444,000 | 5,381 |
| Average earning assets | $73,008,000 | 5,354 |
| Average equity | $11,459,000 | 4,684 |
| Average total loans | $35,851,000 | 5,627 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 6,598 |
| Cost of funding earning assets | 0.8491% | 2,293 |
| Net interest margin | 2.4355% | 6,753 |
| Noninterest income to average assets | 0.2617% | 5,596 |
| Noninterest expense to average assets | 2.4891% | 5,137 |
| Loan and lease loss provision to assets | 0.0338% | 5,465 |
| Net operating income to assets | -0.0313% | 6,216 |
| Return on assets (ROA) | -0.0313% | 6,331 |
| Pretax return on assets | -0.0526% | 6,332 |
| Return on Equity (ROE) | -0.2165% | 6,329 |
| Retained earnings to average equity (ytd only) | -0.2165% | 5,891 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7603% | 533 |
| Assets per employee ($millions) | 4.9575% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 6,778 |
| Loan loss allowance to noncurrent loans | 49.8812% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 1.2695% | 3,526 |
| Noncurrent loans to loans | 1.1697% | 3,898 |
| Net loans and leases to total assets | 45.1122% | 5,711 |
| Net loans and leases to deposits | 53.4234% | 5,706 |
| Net loans and leases to core deposits | 54.5622% | 5,836 |
| Total domestic deposits to total assets | 84.4428% | 4,105 |
| Equity capital to assets | 14.4919% | 877 |
| Core capital (leverage) ratio | 14.0526% | 786 |
| Tier 1 risk-based capital ratio | 34.8409% | 345 |
| Total risk-based capital ratio | 35.4986% | 357 |
| Memoranda: | ||
| Average total assets | $79,867,600 | 5,351 |
| Average earning assets | $72,428,200 | 5,353 |
| Average equity | $11,548,000 | 4,660 |
| Average total loans | $37,727,000 | 5,600 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3644% | 6,663 |
| Cost of funding earning assets | 0.8766% | 2,341 |
| Net interest margin | 2.4878% | 6,833 |
| Noninterest income to average assets | 0.2650% | 5,660 |
| Noninterest expense to average assets | 2.5215% | 5,011 |
| Loan and lease loss provision to assets | 0.0383% | 5,296 |
| Net operating income to assets | -0.0300% | 6,320 |
| Return on assets (ROA) | -0.0300% | 6,441 |
| Pretax return on assets | -0.0483% | 6,442 |
| Return on Equity (ROE) | -0.2076% | 6,430 |
| Retained earnings to average equity (ytd only) | -0.2076% | 6,119 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3981% | 519 |
| Assets per employee ($millions) | 4.6966% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5623% | 6,904 |
| Loan loss allowance to noncurrent loans | 45.6763% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 4,136 |
| Noncurrent loans to loans | 1.2310% | 3,993 |
| Net loans and leases to total assets | 45.6283% | 5,806 |
| Net loans and leases to deposits | 54.0616% | 5,807 |
| Net loans and leases to core deposits | 56.0952% | 5,882 |
| Total domestic deposits to total assets | 84.4006% | 4,035 |
| Equity capital to assets | 14.4897% | 973 |
| Core capital (leverage) ratio | 13.9424% | 856 |
| Tier 1 risk-based capital ratio | 35.0338% | 357 |
| Total risk-based capital ratio | 35.6821% | 369 |
| Memoranda: | ||
| Average total assets | $80,004,500 | 5,400 |
| Average earning assets | $72,244,000 | 5,420 |
| Average equity | $11,561,250 | 4,703 |
| Average total loans | $38,160,500 | 5,647 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4494% | 6,672 |
| Cost of funding earning assets | 0.9028% | 2,378 |
| Net interest margin | 2.5467% | 6,851 |
| Noninterest income to average assets | 0.2223% | 5,979 |
| Noninterest expense to average assets | 2.5456% | 4,979 |
| Loan and lease loss provision to assets | 0.0500% | 5,049 |
| Net operating income to assets | -0.0550% | 6,390 |
| Return on assets (ROA) | -0.0550% | 6,507 |
| Pretax return on assets | -0.0899% | 6,516 |
| Return on Equity (ROE) | -0.3807% | 6,489 |
| Retained earnings to average equity (ytd only) | -0.3807% | 6,100 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5952% | 507 |
| Assets per employee ($millions) | 4.4791% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5453% | 6,984 |
| Loan loss allowance to noncurrent loans | 51.5228% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 4,376 |
| Noncurrent loans to loans | 1.0583% | 4,398 |
| Net loans and leases to total assets | 45.9231% | 5,830 |
| Net loans and leases to deposits | 54.3127% | 5,836 |
| Net loans and leases to core deposits | 56.3306% | 5,914 |
| Total domestic deposits to total assets | 84.5530% | 4,079 |
| Equity capital to assets | 14.3183% | 973 |
| Core capital (leverage) ratio | 13.8023% | 866 |
| Tier 1 risk-based capital ratio | 34.4584% | 361 |
| Total risk-based capital ratio | 35.0870% | 375 |
| Memoranda: | ||
| Average total assets | $80,058,330 | 5,430 |
| Average earning assets | $71,780,000 | 5,467 |
| Average equity | $11,558,670 | 4,700 |
| Average total loans | $38,668,330 | 5,660 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4863% | 6,716 |
| Cost of funding earning assets | 0.9219% | 2,503 |
| Net interest margin | 2.5645% | 6,901 |
| Noninterest income to average assets | 0.2908% | 5,539 |
| Noninterest expense to average assets | 2.5822% | 4,884 |
| Loan and lease loss provision to assets | 0.0852% | 4,317 |
| Net operating income to assets | -0.0501% | 6,483 |
| Return on assets (ROA) | -0.0501% | 6,578 |
| Pretax return on assets | -0.0752% | 6,586 |
| Return on Equity (ROE) | -0.3458% | 6,570 |
| Retained earnings to average equity (ytd only) | -0.3458% | 6,056 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6132% | 563 |
| Assets per employee ($millions) | 4.4436% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5190% | 7,052 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 4,502 |
| Noncurrent loans to loans | 0.9342% | 4,800 |
| Net loans and leases to total assets | 47.9265% | 5,566 |
| Net loans and leases to deposits | 56.7692% | 5,516 |
| Net loans and leases to core deposits | 58.4458% | 5,677 |
| Total domestic deposits to total assets | 84.4233% | 4,314 |
| Equity capital to assets | 14.4815% | 868 |
| Core capital (leverage) ratio | 13.9276% | 821 |
| Tier 1 risk-based capital ratio | 34.0059% | 365 |
| Total risk-based capital ratio | 34.6164% | 379 |
| Memoranda: | ||
| Average total assets | $79,775,500 | 5,482 |
| Average earning assets | $71,594,000 | 5,513 |
| Average equity | $11,566,000 | 4,709 |
| Average total loans | $39,388,500 | 5,666 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7902% | 6,741 |
| Cost of funding earning assets | 1.2130% | 1,944 |
| Net interest margin | 2.5772% | 7,016 |
| Noninterest income to average assets | 0.1988% | 6,080 |
| Noninterest expense to average assets | 2.4761% | 5,550 |
| Loan and lease loss provision to assets | 0.1677% | 4,543 |
| Net operating income to assets | -0.0596% | 6,119 |
| Return on assets (ROA) | -0.0596% | 6,205 |
| Pretax return on assets | -0.1590% | 6,252 |
| Return on Equity (ROE) | -0.4152% | 6,201 |
| Retained earnings to average equity (ytd only) | -0.4152% | 5,920 |
| Net charge-offs to loans | 0.3639% | 3,585 |
| Credit loss provision to net charge-offs | 90.0000% | 4,001 |
| Earnings coverage of net charge-offs (x) | 0.0467% | 5,787 |
| Efficiency ratio | 99.6500% | 685 |
| Assets per employee ($millions) | 4.4203% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4547% | 7,131 |
| Loan loss allowance to noncurrent loans | 18.5223% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 1.3775% | 3,940 |
| Noncurrent loans to loans | 2.4551% | 2,676 |
| Net loans and leases to total assets | 50.3481% | 5,542 |
| Net loans and leases to deposits | 59.6850% | 5,527 |
| Net loans and leases to core deposits | 61.9558% | 5,654 |
| Total domestic deposits to total assets | 84.3564% | 4,163 |
| Equity capital to assets | 14.5150% | 894 |
| Core capital (leverage) ratio | 13.8496% | 860 |
| Tier 1 risk-based capital ratio | 33.0449% | 390 |
| Total risk-based capital ratio | 33.5872% | 406 |
| Memoranda: | ||
| Average total assets | $80,490,400 | 5,447 |
| Average earning assets | $71,394,600 | 5,488 |
| Average equity | $11,559,800 | 4,643 |
| Average total loans | $41,222,800 | 5,633 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8674% | 6,772 |
| Cost of funding earning assets | 1.2755% | 1,840 |
| Net interest margin | 2.5919% | 7,080 |
| Noninterest income to average assets | 0.1817% | 6,293 |
| Noninterest expense to average assets | 2.4528% | 5,620 |
| Loan and lease loss provision to assets | 0.1883% | 4,147 |
| Net operating income to assets | -0.0479% | 6,216 |
| Return on assets (ROA) | -0.0479% | 6,313 |
| Pretax return on assets | -0.1602% | 6,377 |
| Return on Equity (ROE) | -0.3344% | 6,305 |
| Retained earnings to average equity (ytd only) | -0.3344% | 6,041 |
| Net charge-offs to loans | 0.3987% | 3,120 |
| Credit loss provision to net charge-offs | 91.9355% | 3,709 |
| Earnings coverage of net charge-offs (x) | 0.1371% | 5,504 |
| Efficiency ratio | 98.8682% | 703 |
| Assets per employee ($millions) | 4.4738% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4582% | 7,187 |
| Loan loss allowance to noncurrent loans | 31.7568% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 5,320 |
| Noncurrent loans to loans | 1.4427% | 4,129 |
| Net loans and leases to total assets | 50.7215% | 5,613 |
| Net loans and leases to deposits | 60.5281% | 5,577 |
| Net loans and leases to core deposits | 62.8153% | 5,732 |
| Total domestic deposits to total assets | 83.7982% | 4,325 |
| Equity capital to assets | 14.4534% | 1,008 |
| Core capital (leverage) ratio | 13.8501% | 937 |
| Tier 1 risk-based capital ratio | 32.6694% | 429 |
| Total risk-based capital ratio | 33.2193% | 447 |
| Memoranda: | ||
| Average total assets | $80,721,500 | 5,484 |
| Average earning assets | $71,605,000 | 5,530 |
| Average equity | $11,562,500 | 4,674 |
| Average total loans | $41,467,750 | 5,666 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 6,777 |
| Cost of funding earning assets | 1.3418% | 1,691 |
| Net interest margin | 2.5803% | 7,133 |
| Noninterest income to average assets | 0.1807% | 6,366 |
| Noninterest expense to average assets | 2.4881% | 5,591 |
| Loan and lease loss provision to assets | 0.0297% | 5,937 |
| Net operating income to assets | -0.0297% | 6,271 |
| Return on assets (ROA) | -0.0297% | 6,329 |
| Pretax return on assets | -0.0470% | 6,314 |
| Return on Equity (ROE) | -0.2080% | 6,324 |
| Retained earnings to average equity (ytd only) | -0.2080% | 5,881 |
| Net charge-offs to loans | 0.0529% | 5,119 |
| Credit loss provision to net charge-offs | 109.0909% | 2,812 |
| Earnings coverage of net charge-offs (x) | -0.6364% | 5,564 |
| Efficiency ratio | 100.7014% | 700 |
| Assets per employee ($millions) | 4.4609% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4846% | 7,240 |
| Loan loss allowance to noncurrent loans | 27.2977% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9390% | 4,986 |
| Noncurrent loans to loans | 1.7752% | 3,788 |
| Net loans and leases to total assets | 50.8948% | 5,706 |
| Net loans and leases to deposits | 61.2442% | 5,586 |
| Net loans and leases to core deposits | 63.5765% | 5,772 |
| Total domestic deposits to total assets | 83.1015% | 4,715 |
| Equity capital to assets | 14.4601% | 949 |
| Core capital (leverage) ratio | 13.8336% | 914 |
| Tier 1 risk-based capital ratio | 32.6455% | 429 |
| Total risk-based capital ratio | 33.2263% | 446 |
| Memoranda: | ||
| Average total assets | $80,786,000 | 5,527 |
| Average earning assets | $71,696,330 | 5,565 |
| Average equity | $11,537,000 | 4,678 |
| Average total loans | $41,612,670 | 5,725 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 6,716 |
| Cost of funding earning assets | 1.4173% | 1,523 |
| Net interest margin | 2.5734% | 7,143 |
| Noninterest income to average assets | 0.1876% | 6,379 |
| Noninterest expense to average assets | 2.3497% | 6,049 |
| Loan and lease loss provision to assets | 0.0296% | 5,596 |
| Net operating income to assets | 0.0543% | 6,221 |
| Return on assets (ROA) | 0.0543% | 6,263 |
| Pretax return on assets | 0.0938% | 6,182 |
| Return on Equity (ROE) | 0.3826% | 6,281 |
| Retained earnings to average equity (ytd only) | 0.3826% | 5,660 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0100% | 983 |
| Assets per employee ($millions) | 4.5081% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4889% | 7,291 |
| Loan loss allowance to noncurrent loans | 31.6770% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 5,327 |
| Noncurrent loans to loans | 1.5434% | 4,153 |
| Net loans and leases to total assets | 51.1695% | 5,693 |
| Net loans and leases to deposits | 61.7666% | 5,528 |
| Net loans and leases to core deposits | 65.1387% | 5,608 |
| Total domestic deposits to total assets | 82.8433% | 4,979 |
| Equity capital to assets | 14.1708% | 954 |
| Core capital (leverage) ratio | 13.8672% | 882 |
| Tier 1 risk-based capital ratio | 32.2143% | 428 |
| Total risk-based capital ratio | 32.8006% | 446 |
| Memoranda: | ||
| Average total assets | $81,030,500 | 5,562 |
| Average earning assets | $71,968,000 | 5,604 |
| Average equity | $11,500,000 | 4,671 |
| Average total loans | $41,886,000 | 5,761 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 6,967 |
| Cost of funding earning assets | 1.7432% | 1,407 |
| Net interest margin | 2.4291% | 7,310 |
| Noninterest income to average assets | 0.2452% | 6,043 |
| Noninterest expense to average assets | 2.3913% | 6,108 |
| Loan and lease loss provision to assets | 0.1109% | 6,047 |
| Net operating income to assets | -0.0456% | 5,925 |
| Return on assets (ROA) | -0.0456% | 6,007 |
| Pretax return on assets | -0.0973% | 5,994 |
| Return on Equity (ROE) | -0.3205% | 6,003 |
| Retained earnings to average equity (ytd only) | -0.3205% | 5,672 |
| Net charge-offs to loans | 0.2869% | 4,586 |
| Credit loss provision to net charge-offs | 73.1707% | 5,786 |
| Earnings coverage of net charge-offs (x) | 0.0894% | 6,029 |
| Efficiency ratio | 99.4365% | 797 |
| Assets per employee ($millions) | 4.7597% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4709% | 7,383 |
| Loan loss allowance to noncurrent loans | 16.5690% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 1.4769% | 4,106 |
| Noncurrent loans to loans | 2.8421% | 2,676 |
| Net loans and leases to total assets | 51.7185% | 5,952 |
| Net loans and leases to deposits | 62.4383% | 5,797 |
| Net loans and leases to core deposits | 65.8785% | 5,885 |
| Total domestic deposits to total assets | 82.8314% | 4,870 |
| Equity capital to assets | 14.2137% | 978 |
| Core capital (leverage) ratio | 13.7240% | 922 |
| Tier 1 risk-based capital ratio | 32.2068% | 423 |
| Total risk-based capital ratio | 32.7763% | 438 |
| Memoranda: | ||
| Average total assets | $81,170,000 | 5,565 |
| Average earning assets | $72,165,600 | 5,597 |
| Average equity | $11,543,000 | 4,723 |
| Average total loans | $42,875,800 | 5,797 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 7,066 |
| Cost of funding earning assets | 1.7922% | 1,448 |
| Net interest margin | 2.4290% | 7,420 |
| Noninterest income to average assets | 0.2150% | 6,373 |
| Noninterest expense to average assets | 2.3405% | 6,199 |
| Loan and lease loss provision to assets | 0.1444% | 5,588 |
| Net operating income to assets | -0.0492% | 6,098 |
| Return on assets (ROA) | -0.0492% | 6,211 |
| Pretax return on assets | -0.1100% | 6,232 |
| Return on Equity (ROE) | -0.3462% | 6,193 |
| Retained earnings to average equity (ytd only) | -0.3462% | 5,875 |
| Net charge-offs to loans | 0.3807% | 3,772 |
| Credit loss provision to net charge-offs | 71.5447% | 5,373 |
| Earnings coverage of net charge-offs (x) | 0.1707% | 5,852 |
| Efficiency ratio | 98.5487% | 804 |
| Assets per employee ($millions) | 5.0512% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4626% | 7,488 |
| Loan loss allowance to noncurrent loans | 20.7627% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 1.1680% | 4,786 |
| Noncurrent loans to loans | 2.2279% | 3,417 |
| Net loans and leases to total assets | 52.1845% | 6,075 |
| Net loans and leases to deposits | 63.1258% | 6,011 |
| Net loans and leases to core deposits | 66.3964% | 6,092 |
| Total domestic deposits to total assets | 82.6674% | 4,727 |
| Equity capital to assets | 14.4050% | 1,047 |
| Core capital (leverage) ratio | 13.8632% | 949 |
| Tier 1 risk-based capital ratio | 32.2676% | 425 |
| Total risk-based capital ratio | 32.8322% | 441 |
| Memoranda: | ||
| Average total assets | $81,233,750 | 5,627 |
| Average earning assets | $72,237,250 | 5,663 |
| Average equity | $11,553,500 | 4,796 |
| Average total loans | $43,083,250 | 5,870 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 7,085 |
| Cost of funding earning assets | 1.8592% | 1,385 |
| Net interest margin | 2.4189% | 7,461 |
| Noninterest income to average assets | 0.1917% | 6,525 |
| Noninterest expense to average assets | 2.4185% | 6,015 |
| Loan and lease loss provision to assets | 0.2015% | 4,859 |
| Net operating income to assets | -0.1450% | 6,284 |
| Return on assets (ROA) | -0.1450% | 6,349 |
| Pretax return on assets | -0.2827% | 6,409 |
| Return on Equity (ROE) | -1.0240% | 6,316 |
| Retained earnings to average equity (ytd only) | -1.0240% | 5,973 |
| Net charge-offs to loans | 0.5632% | 2,846 |
| Credit loss provision to net charge-offs | 67.2131% | 5,039 |
| Earnings coverage of net charge-offs (x) | -0.2705% | 5,913 |
| Efficiency ratio | 103.4700% | 697 |
| Assets per employee ($millions) | 4.4878% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4419% | 7,568 |
| Loan loss allowance to noncurrent loans | 21.6308% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 4,947 |
| Noncurrent loans to loans | 2.0430% | 3,661 |
| Net loans and leases to total assets | 53.2675% | 6,083 |
| Net loans and leases to deposits | 64.3170% | 5,998 |
| Net loans and leases to core deposits | 67.6296% | 6,091 |
| Total domestic deposits to total assets | 82.8202% | 4,646 |
| Equity capital to assets | 14.2843% | 1,072 |
| Core capital (leverage) ratio | 13.5927% | 1,028 |
| Tier 1 risk-based capital ratio | 31.5731% | 436 |
| Total risk-based capital ratio | 32.1128% | 462 |
| Memoranda: | ||
| Average total assets | $81,372,000 | 5,653 |
| Average earning assets | $72,180,670 | 5,700 |
| Average equity | $11,524,000 | 4,797 |
| Average total loans | $43,320,670 | 5,894 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 7,213 |
| Cost of funding earning assets | 1.9323% | 1,317 |
| Net interest margin | 2.3132% | 7,588 |
| Noninterest income to average assets | 0.1567% | 6,848 |
| Noninterest expense to average assets | 2.2041% | 6,679 |
| Loan and lease loss provision to assets | 0.3722% | 3,136 |
| Net operating income to assets | -0.1665% | 6,503 |
| Return on assets (ROA) | -0.1665% | 6,579 |
| Pretax return on assets | -0.3673% | 6,699 |
| Return on Equity (ROE) | -1.1809% | 6,545 |
| Retained earnings to average equity (ytd only) | -1.1809% | 6,076 |
| Net charge-offs to loans | 1.0699% | 1,562 |
| Credit loss provision to net charge-offs | 65.5172% | 4,192 |
| Earnings coverage of net charge-offs (x) | 0.0086% | 5,017 |
| Efficiency ratio | 99.7783% | 847 |
| Assets per employee ($millions) | 4.8078% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4427% | 7,652 |
| Loan loss allowance to noncurrent loans | 23.3211% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 5,034 |
| Noncurrent loans to loans | 1.8981% | 3,923 |
| Net loans and leases to total assets | 52.5577% | 6,210 |
| Net loans and leases to deposits | 63.2698% | 6,140 |
| Net loans and leases to core deposits | 66.2692% | 6,265 |
| Total domestic deposits to total assets | 83.0693% | 4,588 |
| Equity capital to assets | 14.0653% | 1,120 |
| Core capital (leverage) ratio | 13.7878% | 1,010 |
| Tier 1 risk-based capital ratio | 31.3866% | 459 |
| Total risk-based capital ratio | 31.9219% | 481 |
| Memoranda: | ||
| Average total assets | $81,667,500 | 5,718 |
| Average earning assets | $72,454,000 | 5,764 |
| Average equity | $11,516,500 | 4,846 |
| Average total loans | $43,370,500 | 5,967 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 7,302 |
| Cost of funding earning assets | 2.5110% | 1,002 |
| Net interest margin | 2.0720% | 7,715 |
| Noninterest income to average assets | 0.2434% | 6,355 |
| Noninterest expense to average assets | 2.4278% | 6,380 |
| Loan and lease loss provision to assets | 0.0038% | 7,413 |
| Net operating income to assets | -0.2232% | 5,864 |
| Return on assets (ROA) | -0.2232% | 5,864 |
| Pretax return on assets | -0.3367% | 5,863 |
| Return on Equity (ROE) | -1.5280% | 5,781 |
| Retained earnings to average equity (ytd only) | -1.5280% | 5,395 |
| Net charge-offs to loans | 0.0980% | 6,149 |
| Credit loss provision to net charge-offs | 6.9767% | 6,986 |
| Earnings coverage of net charge-offs (x) | -6.1395% | 7,126 |
| Efficiency ratio | 115.8940% | 672 |
| Assets per employee ($millions) | 4.8001% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 7,643 |
| Loan loss allowance to noncurrent loans | 20.8484% | 7,021 |
| Noncurrent assets plus other real estate owned to assets | 1.4840% | 4,160 |
| Noncurrent loans to loans | 2.5417% | 3,012 |
| Net loans and leases to total assets | 53.1384% | 6,296 |
| Net loans and leases to deposits | 63.9265% | 6,270 |
| Net loans and leases to core deposits | 76.1284% | 6,392 |
| Total domestic deposits to total assets | 83.1242% | 4,471 |
| Equity capital to assets | 14.1381% | 1,126 |
| Core capital (leverage) ratio | 13.5668% | 1,077 |
| Tier 1 risk-based capital ratio | 30.6806% | 487 |
| Total risk-based capital ratio | 31.3114% | 504 |
| Memoranda: | ||
| Average total assets | $79,291,000 | 5,748 |
| Average earning assets | $70,849,000 | 5,784 |
| Average equity | $11,584,000 | 4,848 |
| Average total loans | $43,898,400 | 5,937 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 7,316 |
| Cost of funding earning assets | 2.6294% | 961 |
| Net interest margin | 2.0482% | 7,794 |
| Noninterest income to average assets | 0.2710% | 6,293 |
| Noninterest expense to average assets | 2.3697% | 6,508 |
| Loan and lease loss provision to assets | 0.0068% | 7,252 |
| Net operating income to assets | -0.1694% | 6,008 |
| Return on assets (ROA) | -0.1694% | 6,021 |
| Pretax return on assets | -0.2727% | 6,070 |
| Return on Equity (ROE) | -1.1498% | 5,960 |
| Retained earnings to average equity (ytd only) | -1.1498% | 5,529 |
| Net charge-offs to loans | 0.0485% | 6,236 |
| Credit loss provision to net charge-offs | 25.0000% | 6,535 |
| Earnings coverage of net charge-offs (x) | -9.8139% | 6,902 |
| Efficiency ratio | 112.6409% | 720 |
| Assets per employee ($millions) | 4.7795% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5988% | 7,582 |
| Loan loss allowance to noncurrent loans | 31.9753% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 4,889 |
| Noncurrent loans to loans | 1.8728% | 3,807 |
| Net loans and leases to total assets | 52.9119% | 6,512 |
| Net loans and leases to deposits | 63.8375% | 6,503 |
| Net loans and leases to core deposits | 77.9589% | 6,493 |
| Total domestic deposits to total assets | 82.8853% | 4,279 |
| Equity capital to assets | 14.2815% | 1,210 |
| Core capital (leverage) ratio | 13.9997% | 1,090 |
| Tier 1 risk-based capital ratio | 31.2754% | 504 |
| Total risk-based capital ratio | 31.9915% | 515 |
| Memoranda: | ||
| Average total assets | $78,713,250 | 5,804 |
| Average earning assets | $70,433,250 | 5,829 |
| Average equity | $11,595,750 | 4,898 |
| Average total loans | $43,974,750 | 5,973 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 7,230 |
| Cost of funding earning assets | 2.7422% | 924 |
| Net interest margin | 2.0574% | 7,829 |
| Noninterest income to average assets | 0.3262% | 5,900 |
| Noninterest expense to average assets | 2.4606% | 6,259 |
| Loan and lease loss provision to assets | 0.0103% | 7,106 |
| Net operating income to assets | -0.1901% | 6,169 |
| Return on assets (ROA) | -0.1901% | 6,199 |
| Pretax return on assets | -0.3082% | 6,242 |
| Return on Equity (ROE) | -1.2766% | 6,116 |
| Retained earnings to average equity (ytd only) | -1.2766% | 5,559 |
| Net charge-offs to loans | 0.0362% | 5,956 |
| Credit loss provision to net charge-offs | 50.0000% | 5,763 |
| Earnings coverage of net charge-offs (x) | -14.5000% | 6,548 |
| Efficiency ratio | 113.7767% | 766 |
| Assets per employee ($millions) | 4.4321% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 7,611 |
| Loan loss allowance to noncurrent loans | 30.0676% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 4,628 |
| Noncurrent loans to loans | 2.0414% | 3,460 |
| Net loans and leases to total assets | 54.1923% | 6,421 |
| Net loans and leases to deposits | 65.5801% | 6,429 |
| Net loans and leases to core deposits | 80.1814% | 6,392 |
| Total domestic deposits to total assets | 82.6353% | 4,409 |
| Equity capital to assets | 14.4891% | 1,168 |
| Core capital (leverage) ratio | 14.1805% | 1,100 |
| Tier 1 risk-based capital ratio | 31.1876% | 528 |
| Total risk-based capital ratio | 31.9221% | 548 |
| Memoranda: | ||
| Average total assets | $77,867,000 | 5,871 |
| Average earning assets | $69,505,000 | 5,902 |
| Average equity | $11,593,000 | 4,923 |
| Average total loans | $44,216,000 | 6,016 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 7,184 |
| Cost of funding earning assets | 2.8441% | 882 |
| Net interest margin | 2.0541% | 7,872 |
| Noninterest income to average assets | 0.1924% | 6,919 |
| Noninterest expense to average assets | 2.1947% | 6,885 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1092% | 6,428 |
| Return on assets (ROA) | -0.1092% | 6,536 |
| Pretax return on assets | -0.1768% | 6,547 |
| Return on Equity (ROE) | -0.7235% | 6,500 |
| Retained earnings to average equity (ytd only) | -0.7235% | 5,819 |
| Net charge-offs to loans | 0.0718% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -4.2500% | 5,548 |
| Efficiency ratio | 108.7629% | 841 |
| Assets per employee ($millions) | 4.6112% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 7,673 |
| Loan loss allowance to noncurrent loans | 48.1685% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 5,302 |
| Noncurrent loans to loans | 1.2244% | 4,523 |
| Net loans and leases to total assets | 56.5499% | 6,161 |
| Net loans and leases to deposits | 68.7724% | 6,102 |
| Net loans and leases to core deposits | 83.1988% | 6,127 |
| Total domestic deposits to total assets | 82.2276% | 4,461 |
| Equity capital to assets | 14.8372% | 1,149 |
| Core capital (leverage) ratio | 14.8383% | 1,001 |
| Tier 1 risk-based capital ratio | 31.5346% | 558 |
| Total risk-based capital ratio | 32.2628% | 567 |
| Memoranda: | ||
| Average total assets | $76,912,000 | 5,917 |
| Average earning assets | $68,352,000 | 5,968 |
| Average equity | $11,610,000 | 4,951 |
| Average total loans | $44,574,000 | 6,037 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2143% | 7,676 |
| Cost of funding earning assets | 3.4374% | 629 |
| Net interest margin | 1.7769% | 8,134 |
| Noninterest income to average assets | 0.1550% | 7,319 |
| Noninterest expense to average assets | 2.3509% | 6,564 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.3814% | 6,801 |
| Return on assets (ROA) | -0.3814% | 6,681 |
| Pretax return on assets | -0.6172% | 6,755 |
| Return on Equity (ROE) | -2.4882% | 6,561 |
| Retained earnings to average equity (ytd only) | -2.4882% | 5,992 |
| Net charge-offs to loans | 0.0617% | 5,898 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -17.2593% | 6,936 |
| Efficiency ratio | 135.5997% | 428 |
| Assets per employee ($millions) | 4.4372% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6082% | 7,665 |
| Loan loss allowance to noncurrent loans | 51.7176% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 0.6947% | 5,135 |
| Noncurrent loans to loans | 1.1761% | 4,168 |
| Net loans and leases to total assets | 58.7064% | 6,104 |
| Net loans and leases to deposits | 73.0831% | 5,942 |
| Net loans and leases to core deposits | 84.9231% | 6,218 |
| Total domestic deposits to total assets | 80.3282% | 4,898 |
| Equity capital to assets | 15.3633% | 1,070 |
| Core capital (leverage) ratio | 14.9621% | 1,047 |
| Tier 1 risk-based capital ratio | 32.1138% | 546 |
| Total risk-based capital ratio | 32.8765% | 556 |
| Memoranda: | ||
| Average total assets | $75,504,400 | 5,858 |
| Average earning assets | $67,085,000 | 5,929 |
| Average equity | $11,574,600 | 4,946 |
| Average total loans | $43,752,000 | 5,994 |