Home > Legacy State Bank > Performance and Condition Ratios
Legacy State 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 | 4.9321% | 2,216 |
| Cost of funding earning assets | 1.6158% | 1,650 |
| Net interest margin | 3.3164% | 2,589 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.3003% | 2,855 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7122% | 3,163 |
| Return on assets (ROA) | 0.6991% | 3,171 |
| Pretax return on assets | 0.8766% | 3,020 |
| Return on Equity (ROE) | 6.4500% | 3,435 |
| Retained earnings to average equity (ytd only) | 6.4460% | 2,078 |
| Net charge-offs to loans | -0.0151% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.1593% | 1,740 |
| Assets per employee ($millions) | 8.7886% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 1,885 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 1,332 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 67.9100% | 2,048 |
| Net loans and leases to deposits | 79.8335% | 2,126 |
| Net loans and leases to core deposits | 86.4093% | 2,284 |
| Total domestic deposits to total assets | 85.0600% | 2,292 |
| Equity capital to assets | 11.0725% | 1,439 |
| Core capital (leverage) ratio | 12.0935% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6050% | 1,157 |
| Memoranda: | ||
| Average total assets | $152,630,800 | 3,335 |
| Average earning assets | $142,596,200 | 3,316 |
| Average equity | $16,553,000 | 3,133 |
| Average total loans | $99,197,800 | 3,183 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 2,352 |
| Cost of funding earning assets | 1.4863% | 1,650 |
| Net interest margin | 3.2739% | 2,744 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.2798% | 2,855 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.6982% | 3,332 |
| Return on assets (ROA) | 0.6806% | 3,354 |
| Pretax return on assets | 0.8525% | 3,209 |
| Return on Equity (ROE) | 6.3100% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.3100% | 2,534 |
| Net charge-offs to loans | -0.0152% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.3773% | 1,633 |
| Assets per employee ($millions) | 8.0584% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 1,654 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 1,352 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 65.5300% | 2,285 |
| Net loans and leases to deposits | 76.8027% | 2,356 |
| Net loans and leases to core deposits | 82.9290% | 2,401 |
| Total domestic deposits to total assets | 85.3200% | 2,407 |
| Equity capital to assets | 10.6290% | 1,498 |
| Core capital (leverage) ratio | 12.0233% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9843% | 1,102 |
| Memoranda: | ||
| Average total assets | $151,240,000 | 3,354 |
| Average earning assets | $140,746,750 | 3,348 |
| Average equity | $16,312,250 | 3,144 |
| Average total loans | $96,793,500 | 3,214 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 2,508 |
| Cost of funding earning assets | 1.3003% | 1,711 |
| Net interest margin | 3.2578% | 2,848 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.3291% | 2,719 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.6530% | 3,451 |
| Return on assets (ROA) | 0.6520% | 3,456 |
| Pretax return on assets | 0.8127% | 3,379 |
| Return on Equity (ROE) | 6.0200% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.0153% | 2,615 |
| Net charge-offs to loans | -0.0126% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.1748% | 1,443 |
| Assets per employee ($millions) | 8.4758% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,650 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 1,234 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.9300% | 2,393 |
| Net loans and leases to deposits | 75.0533% | 2,402 |
| Net loans and leases to core deposits | 80.3023% | 2,445 |
| Total domestic deposits to total assets | 85.1800% | 2,492 |
| Equity capital to assets | 10.7364% | 1,498 |
| Core capital (leverage) ratio | 11.9289% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0370% | 1,120 |
| Memoranda: | ||
| Average total assets | $150,617,000 | 3,373 |
| Average earning assets | $139,971,000 | 3,367 |
| Average equity | $16,325,000 | 3,158 |
| Average total loans | $95,159,333 | 3,231 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 2,317 |
| Cost of funding earning assets | 1.0944% | 1,765 |
| Net interest margin | 3.4042% | 2,623 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.2854% | 2,855 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8046% | 3,182 |
| Return on assets (ROA) | 0.8046% | 3,134 |
| Pretax return on assets | 0.9997% | 2,998 |
| Return on Equity (ROE) | 7.3900% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.3876% | 2,396 |
| Net charge-offs to loans | -0.0043% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.7299% | 1,894 |
| Assets per employee ($millions) | 8.7039% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,502 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 1,147 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 61.9900% | 2,463 |
| Net loans and leases to deposits | 69.9106% | 2,619 |
| Net loans and leases to core deposits | 73.9583% | 2,678 |
| Total domestic deposits to total assets | 88.6800% | 1,666 |
| Equity capital to assets | 11.2235% | 1,259 |
| Core capital (leverage) ratio | 11.8806% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0330% | 1,144 |
| Memoranda: | ||
| Average total assets | $149,643,000 | 3,430 |
| Average earning assets | $138,887,000 | 3,422 |
| Average equity | $16,297,500 | 3,194 |
| Average total loans | $93,293,000 | 3,289 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 1,772 |
| Cost of funding earning assets | 0.3373% | 2,571 |
| Net interest margin | 3.6391% | 1,523 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.0420% | 3,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.7831% | 122 |
| Return on assets (ROA) | 2.7770% | 118 |
| Pretax return on assets | 1.5024% | 1,450 |
| Return on Equity (ROE) | 29.6700% | 123 |
| Retained earnings to average equity (ytd only) | 29.6688% | 32 |
| Net charge-offs to loans | 0.1462% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 15.6573% | 1,995 |
| Efficiency ratio | 57.5142% | 3,404 |
| Assets per employee ($millions) | 9.4575% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,479 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 1,176 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 60.9400% | 2,559 |
| Net loans and leases to deposits | 68.1716% | 2,718 |
| Net loans and leases to core deposits | 70.2892% | 2,854 |
| Total domestic deposits to total assets | 89.3900% | 1,603 |
| Equity capital to assets | 10.5657% | 1,428 |
| Core capital (leverage) ratio | 11.5726% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6784% | 1,192 |
| Memoranda: | ||
| Average total assets | $148,431,800 | 3,458 |
| Average earning assets | $139,624,200 | 3,419 |
| Average equity | $13,893,400 | 3,481 |
| Average total loans | $97,785,200 | 3,181 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 1,691 |
| Cost of funding earning assets | 0.2114% | 3,133 |
| Net interest margin | 3.6079% | 1,371 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.0400% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5489% | 744 |
| Return on assets (ROA) | 1.5517% | 723 |
| Pretax return on assets | 1.5517% | 1,262 |
| Return on Equity (ROE) | 17.1400% | 765 |
| Retained earnings to average equity (ytd only) | 17.1427% | 201 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.8410% | 3,536 |
| Assets per employee ($millions) | 9.2601% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 1,268 |
| Loan loss allowance to noncurrent loans | 4,559.3750% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 1,004 |
| Noncurrent loans to loans | 0.0331% | 3,657 |
| Net loans and leases to total assets | 64.2800% | 2,062 |
| Net loans and leases to deposits | 70.2088% | 2,343 |
| Net loans and leases to core deposits | 71.7122% | 2,506 |
| Total domestic deposits to total assets | 91.5600% | 1,022 |
| Equity capital to assets | 8.3253% | 2,659 |
| Core capital (leverage) ratio | 10.8564% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1396% | 1,391 |
| Memoranda: | ||
| Average total assets | $147,709,750 | 3,492 |
| Average earning assets | $139,394,750 | 3,451 |
| Average equity | $13,369,750 | 3,575 |
| Average total loans | $98,850,000 | 3,171 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 1,698 |
| Cost of funding earning assets | 0.1881% | 3,074 |
| Net interest margin | 3.4579% | 1,423 |
| Noninterest income to average assets | 0.1843% | 4,083 |
| Noninterest expense to average assets | 2.1049% | 3,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3432% | 1,039 |
| Return on assets (ROA) | 1.3473% | 1,007 |
| Pretax return on assets | 1.3473% | 1,590 |
| Return on Equity (ROE) | 14.4954% | 1,001 |
| Retained earnings to average equity (ytd only) | 14.4954% | 316 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0456% | 3,176 |
| Assets per employee ($millions) | 8.9117% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 1,470 |
| Loan loss allowance to noncurrent loans | 4,421.2121% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 1,076 |
| Noncurrent loans to loans | 0.0334% | 3,699 |
| Net loans and leases to total assets | 64.2882% | 1,877 |
| Net loans and leases to deposits | 70.2272% | 2,182 |
| Net loans and leases to core deposits | 72.1382% | 2,322 |
| Total domestic deposits to total assets | 91.5432% | 1,018 |
| Equity capital to assets | 8.3565% | 2,867 |
| Core capital (leverage) ratio | 10.7230% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1016% | 1,680 |
| Memoranda: | ||
| Average total assets | $147,559,000 | 3,526 |
| Average earning assets | $139,274,667 | 3,499 |
| Average equity | $13,714,667 | 3,614 |
| Average total loans | $99,566,667 | 3,195 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 1,568 |
| Cost of funding earning assets | 0.1894% | 2,960 |
| Net interest margin | 3.3883% | 1,328 |
| Noninterest income to average assets | 0.1868% | 4,037 |
| Noninterest expense to average assets | 2.0853% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2968% | 1,011 |
| Return on assets (ROA) | 1.3050% | 986 |
| Pretax return on assets | 1.3050% | 1,495 |
| Return on Equity (ROE) | 13.3408% | 968 |
| Retained earnings to average equity (ytd only) | 13.3408% | 437 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6572% | 3,310 |
| Assets per employee ($millions) | 8.7064% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 1,159 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 67.5871% | 1,256 |
| Net loans and leases to deposits | 74.5428% | 1,557 |
| Net loans and leases to core deposits | 80.3049% | 1,459 |
| Total domestic deposits to total assets | 90.6688% | 1,199 |
| Equity capital to assets | 9.2542% | 2,480 |
| Core capital (leverage) ratio | 10.7864% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7252% | 1,909 |
| Memoranda: | ||
| Average total assets | $145,589,000 | 3,559 |
| Average earning assets | $137,296,500 | 3,530 |
| Average equity | $14,242,000 | 3,627 |
| Average total loans | $99,922,500 | 3,192 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 1,678 |
| Cost of funding earning assets | 0.2988% | 2,413 |
| Net interest margin | 3.5784% | 1,525 |
| Noninterest income to average assets | 0.1499% | 4,398 |
| Noninterest expense to average assets | 2.0168% | 3,627 |
| Loan and lease loss provision to assets | 0.0300% | 2,458 |
| Net operating income to assets | 1.4970% | 1,022 |
| Return on assets (ROA) | 1.5006% | 1,061 |
| Pretax return on assets | 1.5006% | 1,723 |
| Return on Equity (ROE) | 14.9048% | 973 |
| Retained earnings to average equity (ytd only) | 14.9048% | 234 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9098% | 3,592 |
| Assets per employee ($millions) | 9.5446% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 1,250 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 67.6767% | 1,307 |
| Net loans and leases to deposits | 75.5287% | 1,606 |
| Net loans and leases to core deposits | 82.5076% | 1,421 |
| Total domestic deposits to total assets | 89.6039% | 1,170 |
| Equity capital to assets | 10.3284% | 2,343 |
| Core capital (leverage) ratio | 10.6928% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5947% | 2,022 |
| Memoranda: | ||
| Average total assets | $140,075,600 | 3,581 |
| Average earning assets | $132,853,400 | 3,544 |
| Average equity | $14,102,800 | 3,734 |
| Average total loans | $100,623,200 | 3,188 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 1,628 |
| Cost of funding earning assets | 0.3227% | 2,378 |
| Net interest margin | 3.6344% | 1,507 |
| Noninterest income to average assets | 0.2728% | 3,787 |
| Noninterest expense to average assets | 1.9123% | 3,917 |
| Loan and lease loss provision to assets | 0.0402% | 2,192 |
| Net operating income to assets | 1.7697% | 712 |
| Return on assets (ROA) | 1.7745% | 734 |
| Pretax return on assets | 1.7745% | 1,224 |
| Return on Equity (ROE) | 17.7432% | 655 |
| Retained earnings to average equity (ytd only) | 17.7432% | 207 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3757% | 4,089 |
| Assets per employee ($millions) | 9.5333% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 1,212 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 70.3860% | 1,045 |
| Net loans and leases to deposits | 79.9009% | 1,302 |
| Net loans and leases to core deposits | 87.1559% | 1,208 |
| Total domestic deposits to total assets | 88.0916% | 1,789 |
| Equity capital to assets | 10.4070% | 2,525 |
| Core capital (leverage) ratio | 10.4346% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3143% | 2,257 |
| Memoranda: | ||
| Average total assets | $139,302,250 | 3,631 |
| Average earning assets | $132,214,750 | 3,590 |
| Average equity | $13,931,750 | 3,795 |
| Average total loans | $101,191,250 | 3,223 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 1,725 |
| Cost of funding earning assets | 0.3502% | 2,316 |
| Net interest margin | 3.5849% | 1,623 |
| Noninterest income to average assets | 0.3216% | 3,503 |
| Noninterest expense to average assets | 1.8585% | 4,055 |
| Loan and lease loss provision to assets | 0.0608% | 1,821 |
| Net operating income to assets | 1.7976% | 722 |
| Return on assets (ROA) | 1.8049% | 741 |
| Pretax return on assets | 1.8049% | 1,220 |
| Return on Equity (ROE) | 18.3033% | 616 |
| Retained earnings to average equity (ytd only) | 18.3033% | 213 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 4,239 |
| Assets per employee ($millions) | 9.3739% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 1,302 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.1498% | 1,061 |
| Net loans and leases to deposits | 80.5292% | 1,379 |
| Net loans and leases to core deposits | 89.0482% | 1,203 |
| Total domestic deposits to total assets | 88.3528% | 1,644 |
| Equity capital to assets | 10.0854% | 2,778 |
| Core capital (leverage) ratio | 10.4137% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4454% | 2,191 |
| Memoranda: | ||
| Average total assets | $138,069,667 | 3,654 |
| Average earning assets | $130,769,667 | 3,620 |
| Average equity | $13,615,000 | 3,830 |
| Average total loans | $100,884,667 | 3,243 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 1,485 |
| Cost of funding earning assets | 0.3848% | 2,218 |
| Net interest margin | 3.6756% | 1,389 |
| Noninterest income to average assets | 0.1784% | 4,305 |
| Noninterest expense to average assets | 1.9064% | 3,972 |
| Loan and lease loss provision to assets | 0.0614% | 1,897 |
| Net operating income to assets | 1.7018% | 936 |
| Return on assets (ROA) | 1.7018% | 983 |
| Pretax return on assets | 1.7018% | 1,483 |
| Return on Equity (ROE) | 17.4617% | 786 |
| Retained earnings to average equity (ytd only) | 17.4617% | 393 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9522% | 3,996 |
| Assets per employee ($millions) | 9.2673% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 1,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 940 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.6644% | 936 |
| Net loans and leases to deposits | 81.8969% | 1,344 |
| Net loans and leases to core deposits | 90.3812% | 1,206 |
| Total domestic deposits to total assets | 88.7266% | 1,483 |
| Equity capital to assets | 9.6835% | 3,023 |
| Core capital (leverage) ratio | 10.0781% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4900% | 2,493 |
| Memoranda: | ||
| Average total assets | $136,800,000 | 3,669 |
| Average earning assets | $129,938,000 | 3,632 |
| Average equity | $13,332,000 | 3,865 |
| Average total loans | $100,576,000 | 3,255 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 1,346 |
| Cost of funding earning assets | 0.7318% | 1,557 |
| Net interest margin | 3.7548% | 1,633 |
| Noninterest income to average assets | -0.1712% | 4,983 |
| Noninterest expense to average assets | 2.1928% | 3,681 |
| Loan and lease loss provision to assets | 0.2789% | 1,369 |
| Net operating income to assets | 0.9244% | 2,590 |
| Return on assets (ROA) | 1.0715% | 2,165 |
| Pretax return on assets | 1.0715% | 2,809 |
| Return on Equity (ROE) | 10.7029% | 1,743 |
| Retained earnings to average equity (ytd only) | 10.7029% | 468 |
| Net charge-offs to loans | -0.0051% | 4,138 |
| Credit loss provision to net charge-offs | -6,940.0000% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5680% | 2,733 |
| Assets per employee ($millions) | 8.9727% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 1,828 |
| Loan loss allowance to noncurrent loans | 1,242.9825% | 562 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 918 |
| Noncurrent loans to loans | 0.1155% | 3,824 |
| Net loans and leases to total assets | 72.2842% | 1,257 |
| Net loans and leases to deposits | 81.5825% | 1,697 |
| Net loans and leases to core deposits | 89.7284% | 1,547 |
| Total domestic deposits to total assets | 88.6025% | 1,163 |
| Equity capital to assets | 9.8097% | 3,307 |
| Core capital (leverage) ratio | 9.9868% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3048% | 2,123 |
| Memoranda: | ||
| Average total assets | $124,409,600 | 3,692 |
| Average earning assets | $118,196,800 | 3,642 |
| Average equity | $12,454,600 | 3,930 |
| Average total loans | $97,468,200 | 3,272 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 1,676 |
| Cost of funding earning assets | 0.8095% | 1,450 |
| Net interest margin | 3.6512% | 2,098 |
| Noninterest income to average assets | -0.2735% | 5,019 |
| Noninterest expense to average assets | 2.2735% | 3,490 |
| Loan and lease loss provision to assets | 0.1912% | 2,077 |
| Net operating income to assets | 0.7308% | 3,353 |
| Return on assets (ROA) | 0.9234% | 2,748 |
| Pretax return on assets | 0.9234% | 3,317 |
| Return on Equity (ROE) | 9.1731% | 2,329 |
| Retained earnings to average equity (ytd only) | 9.1731% | 941 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1400% | 1,736 |
| Assets per employee ($millions) | 8.8138% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9636% | 1,160 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 78.9883% | 713 |
| Net loans and leases to deposits | 90.6257% | 1,210 |
| Net loans and leases to core deposits | 99.5149% | 1,192 |
| Total domestic deposits to total assets | 87.1588% | 1,601 |
| Equity capital to assets | 9.6341% | 3,569 |
| Core capital (leverage) ratio | 9.5922% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5605% | 1,978 |
| Memoranda: | ||
| Average total assets | $121,864,250 | 3,714 |
| Average earning assets | $115,794,250 | 3,668 |
| Average equity | $12,267,500 | 3,954 |
| Average total loans | $97,159,000 | 3,286 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 1,540 |
| Cost of funding earning assets | 0.8969% | 1,389 |
| Net interest margin | 3.7515% | 1,984 |
| Noninterest income to average assets | -0.5016% | 5,049 |
| Noninterest expense to average assets | 2.3949% | 3,274 |
| Loan and lease loss provision to assets | 0.1959% | 2,083 |
| Net operating income to assets | 0.4611% | 4,110 |
| Return on assets (ROA) | 0.7583% | 3,301 |
| Pretax return on assets | 0.7583% | 3,712 |
| Return on Equity (ROE) | 7.4147% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.4147% | 1,497 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4726% | 1,007 |
| Assets per employee ($millions) | 8.8281% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 2,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 1,255 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.9583% | 849 |
| Net loans and leases to deposits | 89.1478% | 1,432 |
| Net loans and leases to core deposits | 98.0743% | 1,405 |
| Total domestic deposits to total assets | 87.4485% | 1,434 |
| Equity capital to assets | 9.3595% | 3,771 |
| Core capital (leverage) ratio | 9.7348% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3309% | 2,059 |
| Memoranda: | ||
| Average total assets | $118,416,667 | 3,745 |
| Average earning assets | $112,169,000 | 3,706 |
| Average equity | $12,111,000 | 3,972 |
| Average total loans | $94,322,667 | 3,329 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 1,831 |
| Cost of funding earning assets | 1.0291% | 1,300 |
| Net interest margin | 3.6265% | 2,584 |
| Noninterest income to average assets | 0.1400% | 4,663 |
| Noninterest expense to average assets | 2.6137% | 2,940 |
| Loan and lease loss provision to assets | 0.3949% | 774 |
| Net operating income to assets | 0.5601% | 3,711 |
| Return on assets (ROA) | 1.0807% | 2,008 |
| Pretax return on assets | 1.0807% | 2,588 |
| Return on Equity (ROE) | 10.0589% | 1,728 |
| Retained earnings to average equity (ytd only) | 10.0589% | 736 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2394% | 1,912 |
| Assets per employee ($millions) | 7.1121% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4350% | 768 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.7581% | 867 |
| Net loans and leases to deposits | 91.9002% | 1,293 |
| Net loans and leases to core deposits | 101.9741% | 1,322 |
| Total domestic deposits to total assets | 85.6996% | 2,128 |
| Equity capital to assets | 10.6886% | 3,151 |
| Core capital (leverage) ratio | 10.7815% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2228% | 2,190 |
| Memoranda: | ||
| Average total assets | $111,414,000 | 3,826 |
| Average earning assets | $105,336,000 | 3,796 |
| Average equity | $11,969,500 | 4,001 |
| Average total loans | $89,276,500 | 3,410 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 1,772 |
| Cost of funding earning assets | 1.0368% | 1,576 |
| Net interest margin | 3.8560% | 2,315 |
| Noninterest income to average assets | 0.0131% | 5,105 |
| Noninterest expense to average assets | 2.2715% | 4,019 |
| Loan and lease loss provision to assets | 0.1207% | 1,757 |
| Net operating income to assets | 1.2373% | 1,917 |
| Return on assets (ROA) | 1.2532% | 1,942 |
| Pretax return on assets | 1.2532% | 2,656 |
| Return on Equity (ROE) | 12.2422% | 1,421 |
| Retained earnings to average equity (ytd only) | 12.2422% | 222 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5838% | 3,279 |
| Assets per employee ($millions) | 6.8146% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6765% | 558 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.5073% | 854 |
| Net loans and leases to deposits | 93.0699% | 1,245 |
| Net loans and leases to core deposits | 103.7346% | 1,250 |
| Total domestic deposits to total assets | 85.4275% | 2,333 |
| Equity capital to assets | 10.8003% | 3,181 |
| Core capital (leverage) ratio | 10.6171% | 2,841 |
| Tier 1 risk-based capital ratio | 12.7200% | 3,935 |
| Total risk-based capital ratio | 13.8662% | 3,881 |
| Memoranda: | ||
| Average total assets | $106,845,800 | 3,880 |
| Average earning assets | $100,208,000 | 3,868 |
| Average equity | $10,937,600 | 4,135 |
| Average total loans | $84,457,400 | 3,517 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 1,817 |
| Cost of funding earning assets | 1.0071% | 1,731 |
| Net interest margin | 3.8942% | 2,274 |
| Noninterest income to average assets | -0.0452% | 5,228 |
| Noninterest expense to average assets | 2.2966% | 3,963 |
| Loan and lease loss provision to assets | 0.1605% | 1,165 |
| Net operating income to assets | 1.1402% | 2,413 |
| Return on assets (ROA) | 1.1615% | 2,419 |
| Pretax return on assets | 1.1615% | 3,097 |
| Return on Equity (ROE) | 11.5086% | 1,805 |
| Retained earnings to average equity (ytd only) | 11.5086% | 451 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8424% | 3,036 |
| Assets per employee ($millions) | 6.9216% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6506% | 624 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 78.1157% | 1,120 |
| Net loans and leases to deposits | 90.8709% | 1,581 |
| Net loans and leases to core deposits | 99.5157% | 1,697 |
| Total domestic deposits to total assets | 85.9634% | 2,015 |
| Equity capital to assets | 10.2785% | 3,744 |
| Core capital (leverage) ratio | 10.2730% | 3,333 |
| Tier 1 risk-based capital ratio | 11.8270% | 4,502 |
| Total risk-based capital ratio | 12.9293% | 4,483 |
| Memoranda: | ||
| Average total assets | $106,298,750 | 3,932 |
| Average earning assets | $99,427,000 | 3,915 |
| Average equity | $10,728,000 | 4,197 |
| Average total loans | $83,633,000 | 3,568 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 1,895 |
| Cost of funding earning assets | 0.9226% | 2,040 |
| Net interest margin | 3.9316% | 2,147 |
| Noninterest income to average assets | 0.1965% | 4,581 |
| Noninterest expense to average assets | 2.3164% | 3,964 |
| Loan and lease loss provision to assets | 0.2023% | 844 |
| Net operating income to assets | 1.3452% | 1,601 |
| Return on assets (ROA) | 1.3605% | 1,605 |
| Pretax return on assets | 1.3605% | 2,344 |
| Return on Equity (ROE) | 13.5685% | 1,081 |
| Retained earnings to average equity (ytd only) | 13.5685% | 255 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9506% | 3,737 |
| Assets per employee ($millions) | 6.9752% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1738% | 393 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 76.8313% | 1,412 |
| Net loans and leases to deposits | 90.9386% | 1,638 |
| Net loans and leases to core deposits | 99.0482% | 1,802 |
| Total domestic deposits to total assets | 84.4870% | 2,689 |
| Equity capital to assets | 9.9576% | 4,009 |
| Core capital (leverage) ratio | 10.5128% | 3,074 |
| Tier 1 risk-based capital ratio | 11.9047% | 4,475 |
| Total risk-based capital ratio | 13.0119% | 4,437 |
| Memoranda: | ||
| Average total assets | $104,816,330 | 3,985 |
| Average earning assets | $97,772,330 | 3,971 |
| Average equity | $10,509,670 | 4,235 |
| Average total loans | $82,319,330 | 3,612 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 1,722 |
| Cost of funding earning assets | 0.8512% | 2,265 |
| Net interest margin | 4.0104% | 1,826 |
| Noninterest income to average assets | 0.2406% | 4,282 |
| Noninterest expense to average assets | 2.3151% | 3,978 |
| Loan and lease loss provision to assets | 0.1893% | 864 |
| Net operating income to assets | 1.4711% | 1,175 |
| Return on assets (ROA) | 1.4750% | 1,191 |
| Pretax return on assets | 1.4750% | 1,850 |
| Return on Equity (ROE) | 14.6552% | 827 |
| Retained earnings to average equity (ytd only) | 14.6552% | 303 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2341% | 4,051 |
| Assets per employee ($millions) | 7.4463% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 2,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3271% | 359 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.7943% | 1,193 |
| Net loans and leases to deposits | 92.5038% | 1,338 |
| Net loans and leases to core deposits | 100.2237% | 1,603 |
| Total domestic deposits to total assets | 84.0985% | 3,020 |
| Equity capital to assets | 10.0424% | 3,786 |
| Core capital (leverage) ratio | 10.8021% | 2,764 |
| Tier 1 risk-based capital ratio | 12.0701% | 4,418 |
| Total risk-based capital ratio | 13.1632% | 4,405 |
| Memoranda: | ||
| Average total assets | $101,423,000 | 4,085 |
| Average earning assets | $94,453,500 | 4,066 |
| Average equity | $10,208,000 | 4,298 |
| Average total loans | $80,085,000 | 3,692 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 2,169 |
| Cost of funding earning assets | 0.6510% | 2,385 |
| Net interest margin | 3.9353% | 2,207 |
| Noninterest income to average assets | 0.1564% | 4,941 |
| Noninterest expense to average assets | 2.6923% | 3,048 |
| Loan and lease loss provision to assets | 0.2367% | 752 |
| Net operating income to assets | 0.8812% | 3,488 |
| Return on assets (ROA) | 0.8812% | 3,482 |
| Pretax return on assets | 0.8812% | 3,946 |
| Return on Equity (ROE) | 8.9339% | 3,026 |
| Retained earnings to average equity (ytd only) | 8.9339% | 889 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6600% | 2,083 |
| Assets per employee ($millions) | 6.5732% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5011% | 305 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.2480% | 1,236 |
| Net loans and leases to deposits | 95.2976% | 1,140 |
| Net loans and leases to core deposits | 103.5209% | 1,454 |
| Total domestic deposits to total assets | 82.1092% | 3,614 |
| Equity capital to assets | 10.0884% | 3,586 |
| Core capital (leverage) ratio | 10.7591% | 2,780 |
| Tier 1 risk-based capital ratio | 12.3154% | 4,230 |
| Total risk-based capital ratio | 13.4141% | 4,205 |
| Memoranda: | ||
| Average total assets | $94,640,800 | 4,191 |
| Average earning assets | $87,870,600 | 4,186 |
| Average equity | $9,335,200 | 4,417 |
| Average total loans | $71,625,800 | 3,838 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 2,231 |
| Cost of funding earning assets | 0.6278% | 2,285 |
| Net interest margin | 3.8913% | 2,336 |
| Noninterest income to average assets | 0.1694% | 4,941 |
| Noninterest expense to average assets | 2.6623% | 3,095 |
| Loan and lease loss provision to assets | 0.2762% | 550 |
| Net operating income to assets | 0.8400% | 3,777 |
| Return on assets (ROA) | 0.8400% | 3,782 |
| Pretax return on assets | 0.8400% | 4,195 |
| Return on Equity (ROE) | 8.5671% | 3,304 |
| Retained earnings to average equity (ytd only) | 8.5671% | 1,386 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4597% | 2,126 |
| Assets per employee ($millions) | 7.0801% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4990% | 347 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 74.6068% | 1,887 |
| Net loans and leases to deposits | 87.2805% | 2,237 |
| Net loans and leases to core deposits | 95.0478% | 2,207 |
| Total domestic deposits to total assets | 85.4794% | 2,407 |
| Equity capital to assets | 9.5863% | 4,005 |
| Core capital (leverage) ratio | 10.4938% | 3,091 |
| Tier 1 risk-based capital ratio | 12.5284% | 4,189 |
| Total risk-based capital ratio | 13.6360% | 4,153 |
| Memoranda: | ||
| Average total assets | $93,651,500 | 4,246 |
| Average earning assets | $86,857,500 | 4,251 |
| Average equity | $9,182,250 | 4,480 |
| Average total loans | $70,010,500 | 3,907 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 2,170 |
| Cost of funding earning assets | 0.5850% | 2,329 |
| Net interest margin | 3.8882% | 2,243 |
| Noninterest income to average assets | 0.1546% | 5,051 |
| Noninterest expense to average assets | 2.7486% | 2,849 |
| Loan and lease loss provision to assets | 0.2810% | 512 |
| Net operating income to assets | 0.7296% | 4,107 |
| Return on assets (ROA) | 0.7296% | 4,107 |
| Pretax return on assets | 0.7296% | 4,439 |
| Return on Equity (ROE) | 7.3824% | 3,771 |
| Retained earnings to average equity (ytd only) | 7.3824% | 1,891 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1170% | 1,831 |
| Assets per employee ($millions) | 6.4267% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 2,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5695% | 334 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 74.2739% | 1,904 |
| Net loans and leases to deposits | 87.1863% | 2,193 |
| Net loans and leases to core deposits | 95.1799% | 2,137 |
| Total domestic deposits to total assets | 85.1898% | 2,603 |
| Equity capital to assets | 9.6805% | 3,934 |
| Core capital (leverage) ratio | 10.5399% | 2,990 |
| Tier 1 risk-based capital ratio | 12.6071% | 4,125 |
| Total risk-based capital ratio | 13.6681% | 4,129 |
| Memoranda: | ||
| Average total assets | $91,828,330 | 4,322 |
| Average earning assets | $85,129,670 | 4,313 |
| Average equity | $9,075,670 | 4,532 |
| Average total loans | $68,395,000 | 3,967 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 2,317 |
| Cost of funding earning assets | 0.5211% | 2,620 |
| Net interest margin | 3.8411% | 2,254 |
| Noninterest income to average assets | 0.1429% | 5,154 |
| Noninterest expense to average assets | 2.7607% | 2,838 |
| Loan and lease loss provision to assets | 0.2904% | 454 |
| Net operating income to assets | 0.6477% | 4,285 |
| Return on assets (ROA) | 0.6477% | 4,293 |
| Pretax return on assets | 0.6477% | 4,573 |
| Return on Equity (ROE) | 6.4823% | 3,995 |
| Retained earnings to average equity (ytd only) | 6.4823% | 2,516 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6377% | 1,806 |
| Assets per employee ($millions) | 6.1477% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6861% | 328 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.1030% | 1,691 |
| Net loans and leases to deposits | 92.1289% | 1,443 |
| Net loans and leases to core deposits | 95.5981% | 2,005 |
| Total domestic deposits to total assets | 81.5195% | 4,086 |
| Equity capital to assets | 9.9375% | 3,654 |
| Core capital (leverage) ratio | 11.0415% | 2,399 |
| Tier 1 risk-based capital ratio | 12.9279% | 3,989 |
| Total risk-based capital ratio | 13.9526% | 4,014 |
| Memoranda: | ||
| Average total assets | $89,542,500 | 4,406 |
| Average earning assets | $82,894,000 | 4,394 |
| Average equity | $8,947,500 | 4,592 |
| Average total loans | $66,372,000 | 4,048 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 1,980 |
| Cost of funding earning assets | 0.5720% | 1,813 |
| Net interest margin | 3.8455% | 2,270 |
| Noninterest income to average assets | -0.0025% | 5,625 |
| Noninterest expense to average assets | 3.2416% | 1,526 |
| Loan and lease loss provision to assets | 0.1563% | 1,439 |
| Net operating income to assets | 0.0360% | 5,321 |
| Return on assets (ROA) | 0.0434% | 5,321 |
| Pretax return on assets | 0.0434% | 5,411 |
| Return on Equity (ROE) | 0.7271% | 5,282 |
| Retained earnings to average equity (ytd only) | 0.7271% | 4,750 |
| Net charge-offs to loans | 0.0541% | 2,724 |
| Credit loss provision to net charge-offs | 420.0000% | 731 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 3,366 |
| Efficiency ratio | 94.4003% | 284 |
| Assets per employee ($millions) | 5.7913% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 3,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8687% | 292 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.3695% | 2,326 |
| Net loans and leases to deposits | 84.6008% | 2,421 |
| Net loans and leases to core deposits | 88.3679% | 2,694 |
| Total domestic deposits to total assets | 84.3604% | 3,080 |
| Equity capital to assets | 10.0508% | 3,644 |
| Core capital (leverage) ratio | 10.8294% | 2,497 |
| Tier 1 risk-based capital ratio | 13.4789% | 3,637 |
| Total risk-based capital ratio | 14.5261% | 3,673 |
| Memoranda: | ||
| Average total assets | $80,607,200 | 4,579 |
| Average earning assets | $72,032,000 | 4,622 |
| Average equity | $4,813,600 | 5,301 |
| Average total loans | $55,481,200 | 4,313 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3740% | 2,039 |
| Cost of funding earning assets | 0.5851% | 1,643 |
| Net interest margin | 3.7889% | 2,443 |
| Noninterest income to average assets | -0.0641% | 5,709 |
| Noninterest expense to average assets | 3.3433% | 1,256 |
| Loan and lease loss provision to assets | 0.1400% | 1,519 |
| Net operating income to assets | -0.1940% | 5,577 |
| Return on assets (ROA) | -0.1839% | 5,578 |
| Pretax return on assets | -0.1839% | 5,574 |
| Return on Equity (ROE) | -3.7903% | 5,620 |
| Retained earnings to average equity (ytd only) | -3.7903% | 5,512 |
| Net charge-offs to loans | 0.0745% | 2,070 |
| Credit loss provision to net charge-offs | 276.6667% | 1,053 |
| Earnings coverage of net charge-offs (x) | -1.0668% | 3,720 |
| Efficiency ratio | 101.6410% | 157 |
| Assets per employee ($millions) | 5.3935% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,094 |
| Loan loss allowance to noncurrent loans | 1,313.7255% | 486 |
| Noncurrent assets plus other real estate owned to assets | 3.0803% | 286 |
| Noncurrent loans to loans | 0.0890% | 4,714 |
| Net loans and leases to total assets | 70.0193% | 2,553 |
| Net loans and leases to deposits | 78.7968% | 3,084 |
| Net loans and leases to core deposits | 81.8468% | 3,301 |
| Total domestic deposits to total assets | 88.8606% | 945 |
| Equity capital to assets | 5.1346% | 5,716 |
| Core capital (leverage) ratio | 5.6141% | 5,710 |
| Tier 1 risk-based capital ratio | 7.2563% | 5,719 |
| Total risk-based capital ratio | 8.3469% | 5,720 |
| Memoranda: | ||
| Average total assets | $79,041,750 | 4,652 |
| Average earning assets | $69,957,500 | 4,718 |
| Average equity | $3,834,250 | 5,504 |
| Average total loans | $53,674,000 | 4,410 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 1,845 |
| Cost of funding earning assets | 0.5948% | 1,484 |
| Net interest margin | 3.7960% | 2,301 |
| Noninterest income to average assets | -0.1403% | 5,762 |
| Noninterest expense to average assets | 3.4174% | 1,133 |
| Loan and lease loss provision to assets | 0.1326% | 1,568 |
| Net operating income to assets | -0.3698% | 5,663 |
| Return on assets (ROA) | -0.3647% | 5,662 |
| Pretax return on assets | -0.3647% | 5,646 |
| Return on Equity (ROE) | -7.6724% | 5,704 |
| Retained earnings to average equity (ytd only) | -7.6724% | 5,603 |
| Net charge-offs to loans | 0.0267% | 2,681 |
| Credit loss provision to net charge-offs | 742.8571% | 478 |
| Earnings coverage of net charge-offs (x) | -13.2857% | 3,483 |
| Efficiency ratio | 107.4579% | 120 |
| Assets per employee ($millions) | 4.9632% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 3,168 |
| Loan loss allowance to noncurrent loans | 905.4795% | 620 |
| Noncurrent assets plus other real estate owned to assets | 5.9324% | 77 |
| Noncurrent loans to loans | 0.1298% | 4,606 |
| Net loans and leases to total assets | 69.9739% | 2,529 |
| Net loans and leases to deposits | 79.0022% | 3,019 |
| Net loans and leases to core deposits | 82.1232% | 3,242 |
| Total domestic deposits to total assets | 88.5721% | 1,168 |
| Equity capital to assets | 5.2323% | 5,764 |
| Core capital (leverage) ratio | 5.6169% | 5,753 |
| Tier 1 risk-based capital ratio | 6.9925% | 5,770 |
| Total risk-based capital ratio | 8.0401% | 5,770 |
| Memoranda: | ||
| Average total assets | $78,421,670 | 4,696 |
| Average earning assets | $68,598,670 | 4,773 |
| Average equity | $3,727,670 | 5,557 |
| Average total loans | $52,459,670 | 4,457 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 1,491 |
| Cost of funding earning assets | 0.6063% | 1,332 |
| Net interest margin | 3.8459% | 1,963 |
| Noninterest income to average assets | -0.4825% | 5,851 |
| Noninterest expense to average assets | 3.3929% | 1,214 |
| Loan and lease loss provision to assets | 0.1078% | 1,770 |
| Net operating income to assets | -0.6622% | 5,760 |
| Return on assets (ROA) | -0.6416% | 5,759 |
| Pretax return on assets | -0.6416% | 5,751 |
| Return on Equity (ROE) | -14.2288% | 5,796 |
| Retained earnings to average equity (ytd only) | -14.2288% | 5,657 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.5298% | 75 |
| Assets per employee ($millions) | 5.2242% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,942 |
| Loan loss allowance to noncurrent loans | 796.2500% | 714 |
| Noncurrent assets plus other real estate owned to assets | 6.0207% | 82 |
| Noncurrent loans to loans | 0.1544% | 4,570 |
| Net loans and leases to total assets | 65.3051% | 3,075 |
| Net loans and leases to deposits | 73.0779% | 3,500 |
| Net loans and leases to core deposits | 75.9938% | 3,650 |
| Total domestic deposits to total assets | 89.3636% | 966 |
| Equity capital to assets | 4.4587% | 5,836 |
| Core capital (leverage) ratio | 4.9942% | 5,832 |
| Tier 1 risk-based capital ratio | 6.5839% | 5,838 |
| Total risk-based capital ratio | 7.6516% | 5,838 |
| Memoranda: | ||
| Average total assets | $77,927,000 | 4,755 |
| Average earning assets | $67,293,000 | 4,846 |
| Average equity | $3,514,000 | 5,644 |
| Average total loans | $50,575,500 | 4,543 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 2,615 |
| Cost of funding earning assets | 0.6736% | 937 |
| Net interest margin | 3.4896% | 3,475 |
| Noninterest income to average assets | 0.4733% | 3,392 |
| Noninterest expense to average assets | 3.4812% | 1,206 |
| Loan and lease loss provision to assets | 0.4209% | 353 |
| Net operating income to assets | -0.6031% | 5,801 |
| Return on assets (ROA) | -0.4878% | 5,793 |
| Pretax return on assets | -0.4878% | 5,777 |
| Return on Equity (ROE) | -8.7119% | 5,828 |
| Retained earnings to average equity (ytd only) | -8.7119% | 5,770 |
| Net charge-offs to loans | 0.6779% | 323 |
| Credit loss provision to net charge-offs | 105.9406% | 2,457 |
| Earnings coverage of net charge-offs (x) | -0.4587% | 4,157 |
| Efficiency ratio | 105.5246% | 166 |
| Assets per employee ($millions) | 4.8432% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,832 |
| Loan loss allowance to noncurrent loans | 770.0000% | 743 |
| Noncurrent assets plus other real estate owned to assets | 6.7466% | 73 |
| Noncurrent loans to loans | 0.1621% | 4,586 |
| Net loans and leases to total assets | 62.8757% | 3,491 |
| Net loans and leases to deposits | 70.4956% | 3,856 |
| Net loans and leases to core deposits | 73.3449% | 3,977 |
| Total domestic deposits to total assets | 89.1910% | 1,020 |
| Equity capital to assets | 4.5605% | 5,886 |
| Core capital (leverage) ratio | 5.1362% | 5,881 |
| Tier 1 risk-based capital ratio | 6.9025% | 5,888 |
| Total risk-based capital ratio | 7.9510% | 5,889 |
| Memoranda: | ||
| Average total assets | $76,267,200 | 4,810 |
| Average earning assets | $61,755,200 | 4,984 |
| Average equity | $4,270,000 | 5,596 |
| Average total loans | $44,695,800 | 4,722 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 2,788 |
| Cost of funding earning assets | 0.6840% | 885 |
| Net interest margin | 3.4397% | 3,706 |
| Noninterest income to average assets | 0.8899% | 1,444 |
| Noninterest expense to average assets | 3.4806% | 1,187 |
| Loan and lease loss provision to assets | 0.0720% | 2,773 |
| Net operating income to assets | 0.1001% | 5,624 |
| Return on assets (ROA) | 0.2510% | 5,459 |
| Pretax return on assets | 0.2510% | 5,516 |
| Return on Equity (ROE) | 4.2806% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.2806% | 3,278 |
| Net charge-offs to loans | 0.3736% | 593 |
| Credit loss provision to net charge-offs | 33.6066% | 3,197 |
| Earnings coverage of net charge-offs (x) | 0.8033% | 3,755 |
| Efficiency ratio | 95.2907% | 338 |
| Assets per employee ($millions) | 4.9286% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,942 |
| Loan loss allowance to noncurrent loans | 198.8462% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 12.7890% | 25 |
| Noncurrent loans to loans | 0.5434% | 3,366 |
| Net loans and leases to total assets | 60.0188% | 3,877 |
| Net loans and leases to deposits | 68.2387% | 4,127 |
| Net loans and leases to core deposits | 70.9804% | 4,250 |
| Total domestic deposits to total assets | 87.9541% | 1,424 |
| Equity capital to assets | 5.8080% | 5,937 |
| Core capital (leverage) ratio | 5.7081% | 5,935 |
| Tier 1 risk-based capital ratio | 7.3515% | 5,951 |
| Total risk-based capital ratio | 8.1833% | 5,955 |
| Memoranda: | ||
| Average total assets | $75,961,250 | 4,848 |
| Average earning assets | $61,011,250 | 5,038 |
| Average equity | $4,454,000 | 5,624 |
| Average total loans | $43,535,000 | 4,802 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,857 |
| Cost of funding earning assets | 0.6921% | 839 |
| Net interest margin | 3.4072% | 3,864 |
| Noninterest income to average assets | 1.2774% | 700 |
| Noninterest expense to average assets | 3.5042% | 1,155 |
| Loan and lease loss provision to assets | 0.0720% | 2,695 |
| Net operating income to assets | 0.4187% | 4,979 |
| Return on assets (ROA) | 0.5974% | 4,404 |
| Pretax return on assets | 0.5974% | 4,892 |
| Return on Equity (ROE) | 10.1541% | 1,981 |
| Retained earnings to average equity (ytd only) | 10.1541% | 564 |
| Net charge-offs to loans | 0.5796% | 358 |
| Credit loss provision to net charge-offs | 22.1311% | 2,914 |
| Earnings coverage of net charge-offs (x) | 1.5082% | 3,402 |
| Efficiency ratio | 87.7170% | 740 |
| Assets per employee ($millions) | 5.7572% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,758 |
| Loan loss allowance to noncurrent loans | 193.4615% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 12.5408% | 30 |
| Noncurrent loans to loans | 0.5863% | 3,312 |
| Net loans and leases to total assets | 54.3988% | 4,472 |
| Net loans and leases to deposits | 61.7254% | 4,678 |
| Net loans and leases to core deposits | 64.1398% | 4,741 |
| Total domestic deposits to total assets | 88.1304% | 1,364 |
| Equity capital to assets | 5.7840% | 6,017 |
| Core capital (leverage) ratio | 5.9001% | 6,008 |
| Tier 1 risk-based capital ratio | 7.8064% | 6,023 |
| Total risk-based capital ratio | 8.6507% | 6,027 |
| Memoranda: | ||
| Average total assets | $74,996,000 | 4,912 |
| Average earning assets | $59,815,000 | 5,116 |
| Average equity | $4,412,000 | 5,694 |
| Average total loans | $42,098,000 | 4,898 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,341 |
| Cost of funding earning assets | 0.7226% | 721 |
| Net interest margin | 3.5140% | 3,412 |
| Noninterest income to average assets | 0.3269% | 4,393 |
| Noninterest expense to average assets | 3.8120% | 762 |
| Loan and lease loss provision to assets | 0.0776% | 2,410 |
| Net operating income to assets | -0.8145% | 6,015 |
| Return on assets (ROA) | -0.5208% | 5,976 |
| Pretax return on assets | -0.5208% | 5,967 |
| Return on Equity (ROE) | -8.7707% | 6,015 |
| Retained earnings to average equity (ytd only) | -8.7707% | 5,772 |
| Net charge-offs to loans | -0.0293% | 5,056 |
| Credit loss provision to net charge-offs | -466.6667% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9640% | 89 |
| Assets per employee ($millions) | 4.8222% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 2,091 |
| Loan loss allowance to noncurrent loans | 137.2768% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 16.7973% | 14 |
| Noncurrent loans to loans | 1.0743% | 2,244 |
| Net loans and leases to total assets | 56.8039% | 4,172 |
| Net loans and leases to deposits | 65.0580% | 4,339 |
| Net loans and leases to core deposits | 67.9286% | 4,408 |
| Total domestic deposits to total assets | 87.3128% | 2,043 |
| Equity capital to assets | 5.9433% | 6,073 |
| Core capital (leverage) ratio | 6.0109% | 6,064 |
| Tier 1 risk-based capital ratio | 7.0532% | 6,092 |
| Total risk-based capital ratio | 8.0543% | 6,092 |
| Memoranda: | ||
| Average total assets | $72,193,500 | 5,018 |
| Average earning assets | $56,460,500 | 5,254 |
| Average equity | $4,287,000 | 5,763 |
| Average total loans | $40,972,500 | 4,976 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 2,496 |
| Cost of funding earning assets | 0.7725% | 568 |
| Net interest margin | 3.4472% | 3,731 |
| Noninterest income to average assets | 0.3541% | 4,373 |
| Noninterest expense to average assets | 3.4586% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.4249% | 6,025 |
| Return on assets (ROA) | -0.3555% | 6,014 |
| Pretax return on assets | -0.3555% | 6,002 |
| Return on Equity (ROE) | -5.8080% | 6,061 |
| Retained earnings to average equity (ytd only) | -5.8080% | 5,951 |
| Net charge-offs to loans | 0.1109% | 2,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -6.9767% | 4,414 |
| Efficiency ratio | 114.0056% | 114 |
| Assets per employee ($millions) | 5.1467% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 2,059 |
| Loan loss allowance to noncurrent loans | 133.1111% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 16.7333% | 14 |
| Noncurrent loans to loans | 1.1182% | 2,103 |
| Net loans and leases to total assets | 55.0185% | 4,387 |
| Net loans and leases to deposits | 62.9954% | 4,541 |
| Net loans and leases to core deposits | 65.7822% | 4,614 |
| Total domestic deposits to total assets | 87.3373% | 1,962 |
| Equity capital to assets | 5.9331% | 6,121 |
| Core capital (leverage) ratio | 6.1196% | 6,115 |
| Tier 1 risk-based capital ratio | 7.1852% | 6,145 |
| Total risk-based capital ratio | 8.1574% | 6,148 |
| Memoranda: | ||
| Average total assets | $70,606,000 | 5,082 |
| Average earning assets | $54,884,400 | 5,323 |
| Average equity | $4,321,600 | 5,797 |
| Average total loans | $38,789,400 | 5,060 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 2,464 |
| Cost of funding earning assets | 0.7810% | 556 |
| Net interest margin | 3.4521% | 3,742 |
| Noninterest income to average assets | 0.3360% | 4,543 |
| Noninterest expense to average assets | 3.4261% | 1,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.4138% | 6,120 |
| Return on assets (ROA) | -0.3322% | 6,108 |
| Pretax return on assets | -0.3322% | 6,097 |
| Return on Equity (ROE) | -5.3846% | 6,142 |
| Retained earnings to average equity (ytd only) | -5.3846% | 6,031 |
| Net charge-offs to loans | 0.1561% | 1,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -4.8443% | 4,128 |
| Efficiency ratio | 113.7366% | 125 |
| Assets per employee ($millions) | 4.7821% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 2,301 |
| Loan loss allowance to noncurrent loans | 132.4444% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 16.9478% | 15 |
| Noncurrent loans to loans | 1.1068% | 2,281 |
| Net loans and leases to total assets | 55.8496% | 4,372 |
| Net loans and leases to deposits | 64.1351% | 4,547 |
| Net loans and leases to core deposits | 66.9888% | 4,624 |
| Total domestic deposits to total assets | 87.0811% | 1,994 |
| Equity capital to assets | 6.1186% | 6,197 |
| Core capital (leverage) ratio | 6.2812% | 6,185 |
| Tier 1 risk-based capital ratio | 7.1682% | 6,230 |
| Total risk-based capital ratio | 8.1170% | 6,237 |
| Memoranda: | ||
| Average total assets | $70,244,000 | 5,150 |
| Average earning assets | $54,458,250 | 5,399 |
| Average equity | $4,333,250 | 5,874 |
| Average total loans | $38,426,250 | 5,124 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 2,529 |
| Cost of funding earning assets | 0.7833% | 548 |
| Net interest margin | 3.4216% | 3,825 |
| Noninterest income to average assets | 0.3470% | 4,476 |
| Noninterest expense to average assets | 3.5413% | 1,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.5391% | 6,198 |
| Return on assets (ROA) | -0.4215% | 6,180 |
| Pretax return on assets | -0.4215% | 6,170 |
| Return on Equity (ROE) | -6.8140% | 6,219 |
| Retained earnings to average equity (ytd only) | -6.8140% | 6,082 |
| Net charge-offs to loans | -0.0265% | 5,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9561% | 114 |
| Assets per employee ($millions) | 5.4708% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 1,723 |
| Loan loss allowance to noncurrent loans | 127.9208% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 17.1710% | 15 |
| Noncurrent loans to loans | 1.2956% | 2,075 |
| Net loans and leases to total assets | 53.8962% | 4,569 |
| Net loans and leases to deposits | 61.8372% | 4,715 |
| Net loans and leases to core deposits | 64.3170% | 4,788 |
| Total domestic deposits to total assets | 87.1583% | 2,080 |
| Equity capital to assets | 5.9899% | 6,271 |
| Core capital (leverage) ratio | 6.4500% | 6,247 |
| Tier 1 risk-based capital ratio | 7.4551% | 6,296 |
| Total risk-based capital ratio | 8.5182% | 6,305 |
| Memoranda: | ||
| Average total assets | $69,748,000 | 5,222 |
| Average earning assets | $54,126,670 | 5,458 |
| Average equity | $4,314,670 | 5,940 |
| Average total loans | $37,682,330 | 5,196 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,458 |
| Cost of funding earning assets | 0.8010% | 494 |
| Net interest margin | 3.3985% | 3,850 |
| Noninterest income to average assets | 0.2780% | 4,948 |
| Noninterest expense to average assets | 3.5215% | 1,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.6139% | 6,270 |
| Return on assets (ROA) | -0.3938% | 6,229 |
| Pretax return on assets | -0.3938% | 6,216 |
| Return on Equity (ROE) | -6.2644% | 6,283 |
| Retained earnings to average equity (ytd only) | -6.2644% | 6,006 |
| Net charge-offs to loans | -0.0324% | 5,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1155% | 121 |
| Assets per employee ($millions) | 4.9737% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7186% | 1,688 |
| Loan loss allowance to noncurrent loans | 127.5248% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 17.5422% | 15 |
| Noncurrent loans to loans | 1.3477% | 2,135 |
| Net loans and leases to total assets | 52.8895% | 4,561 |
| Net loans and leases to deposits | 61.2025% | 4,643 |
| Net loans and leases to core deposits | 63.7284% | 4,722 |
| Total domestic deposits to total assets | 86.4172% | 2,704 |
| Equity capital to assets | 6.6492% | 6,293 |
| Core capital (leverage) ratio | 6.6633% | 6,275 |
| Tier 1 risk-based capital ratio | 7.6405% | 6,360 |
| Total risk-based capital ratio | 8.7083% | 6,364 |
| Memoranda: | ||
| Average total assets | $69,062,000 | 5,280 |
| Average earning assets | $53,436,000 | 5,526 |
| Average equity | $4,342,000 | 5,986 |
| Average total loans | $37,035,000 | 5,246 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 3,541 |
| Cost of funding earning assets | 0.7962% | 662 |
| Net interest margin | 3.2498% | 4,752 |
| Noninterest income to average assets | 0.2125% | 5,583 |
| Noninterest expense to average assets | 3.6950% | 1,165 |
| Loan and lease loss provision to assets | -1.8088% | 6,507 |
| Net operating income to assets | 0.9101% | 2,824 |
| Return on assets (ROA) | 1.0135% | 2,403 |
| Pretax return on assets | 1.0135% | 3,442 |
| Return on Equity (ROE) | 18.4305% | 359 |
| Retained earnings to average equity (ytd only) | 18.4305% | 80 |
| Net charge-offs to loans | -0.0026% | 5,396 |
| Credit loss provision to net charge-offs | 126,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.1355% | 86 |
| Assets per employee ($millions) | 4.5661% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 1,652 |
| Loan loss allowance to noncurrent loans | 70.1313% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 17.8415% | 17 |
| Noncurrent loans to loans | 2.4974% | 1,018 |
| Net loans and leases to total assets | 52.4981% | 4,740 |
| Net loans and leases to deposits | 60.3083% | 4,879 |
| Net loans and leases to core deposits | 62.8191% | 4,933 |
| Total domestic deposits to total assets | 87.0496% | 2,254 |
| Equity capital to assets | 5.9189% | 6,415 |
| Core capital (leverage) ratio | 5.8369% | 6,416 |
| Tier 1 risk-based capital ratio | 7.6440% | 6,453 |
| Total risk-based capital ratio | 8.8538% | 6,456 |
| Memoranda: | ||
| Average total assets | $69,661,200 | 5,306 |
| Average earning assets | $55,387,200 | 5,536 |
| Average equity | $3,830,600 | 6,124 |
| Average total loans | $38,279,000 | 5,243 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 3,708 |
| Cost of funding earning assets | 0.7881% | 733 |
| Net interest margin | 3.2238% | 4,881 |
| Noninterest income to average assets | 0.1868% | 5,802 |
| Noninterest expense to average assets | 3.6156% | 1,267 |
| Loan and lease loss provision to assets | -2.4015% | 6,589 |
| Net operating income to assets | 1.5458% | 853 |
| Return on assets (ROA) | 1.6754% | 670 |
| Pretax return on assets | 1.6754% | 1,125 |
| Return on Equity (ROE) | 31.0476% | 52 |
| Retained earnings to average equity (ytd only) | 31.0476% | 28 |
| Net charge-offs to loans | -0.2756% | 6,377 |
| Credit loss provision to net charge-offs | 1,575.0000% | 233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.0083% | 90 |
| Assets per employee ($millions) | 4.6953% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9242% | 1,402 |
| Loan loss allowance to noncurrent loans | 72.5076% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 17.4630% | 18 |
| Noncurrent loans to loans | 2.6538% | 1,082 |
| Net loans and leases to total assets | 52.1064% | 4,795 |
| Net loans and leases to deposits | 59.8048% | 4,965 |
| Net loans and leases to core deposits | 62.2158% | 5,022 |
| Total domestic deposits to total assets | 87.1275% | 2,247 |
| Equity capital to assets | 5.8996% | 6,483 |
| Core capital (leverage) ratio | 6.0593% | 6,477 |
| Tier 1 risk-based capital ratio | 7.8926% | 6,510 |
| Total risk-based capital ratio | 9.1433% | 6,511 |
| Memoranda: | ||
| Average total assets | $69,953,500 | 5,344 |
| Average earning assets | $55,832,750 | 5,587 |
| Average equity | $3,774,750 | 6,203 |
| Average total loans | $38,699,250 | 5,279 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 3,858 |
| Cost of funding earning assets | 0.7845% | 772 |
| Net interest margin | 3.1843% | 4,992 |
| Noninterest income to average assets | 0.2780% | 5,205 |
| Noninterest expense to average assets | 3.6851% | 1,165 |
| Loan and lease loss provision to assets | -3.0976% | 6,656 |
| Net operating income to assets | 2.2494% | 205 |
| Return on assets (ROA) | 2.2810% | 208 |
| Pretax return on assets | 2.2810% | 314 |
| Return on Equity (ROE) | 43.6404% | 26 |
| Retained earnings to average equity (ytd only) | 43.6404% | 16 |
| Net charge-offs to loans | -0.0307% | 5,697 |
| Credit loss provision to net charge-offs | 18,016.6667% | 18 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.8990% | 101 |
| Assets per employee ($millions) | 4.6299% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0814% | 1,221 |
| Loan loss allowance to noncurrent loans | 26.0088% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 18.2666% | 18 |
| Noncurrent loans to loans | 8.0028% | 130 |
| Net loans and leases to total assets | 55.8842% | 4,301 |
| Net loans and leases to deposits | 64.1706% | 4,478 |
| Net loans and leases to core deposits | 67.2227% | 4,530 |
| Total domestic deposits to total assets | 87.0869% | 2,407 |
| Equity capital to assets | 5.8575% | 6,541 |
| Core capital (leverage) ratio | 5.9452% | 6,542 |
| Tier 1 risk-based capital ratio | 7.7550% | 6,573 |
| Total risk-based capital ratio | 9.0081% | 6,575 |
| Memoranda: | ||
| Average total assets | $69,795,000 | 5,395 |
| Average earning assets | $56,088,330 | 5,617 |
| Average equity | $3,648,000 | 6,272 |
| Average total loans | $39,126,330 | 5,312 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 3,993 |
| Cost of funding earning assets | 0.7891% | 787 |
| Net interest margin | 3.1352% | 5,132 |
| Noninterest income to average assets | 0.2630% | 5,259 |
| Noninterest expense to average assets | 3.5788% | 1,346 |
| Loan and lease loss provision to assets | -6.1800% | 6,730 |
| Net operating income to assets | 5.3853% | 43 |
| Return on assets (ROA) | 5.4311% | 43 |
| Pretax return on assets | 5.4311% | 57 |
| Return on Equity (ROE) | 110.5294% | 8 |
| Retained earnings to average equity (ytd only) | 110.5294% | 6 |
| Net charge-offs to loans | -0.0412% | 5,717 |
| Credit loss provision to net charge-offs | 27,025.0000% | 7 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.5421% | 128 |
| Assets per employee ($millions) | 4.7624% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 1,338 |
| Loan loss allowance to noncurrent loans | 25.9458% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 17.9167% | 25 |
| Noncurrent loans to loans | 8.0620% | 159 |
| Net loans and leases to total assets | 53.9252% | 4,428 |
| Net loans and leases to deposits | 61.6372% | 4,591 |
| Net loans and leases to core deposits | 64.4644% | 4,653 |
| Total domestic deposits to total assets | 87.4881% | 2,517 |
| Equity capital to assets | 5.6498% | 6,595 |
| Core capital (leverage) ratio | 6.1704% | 6,565 |
| Tier 1 risk-based capital ratio | 8.0609% | 6,622 |
| Total risk-based capital ratio | 9.3146% | 6,625 |
| Memoranda: | ||
| Average total assets | $69,968,000 | 5,449 |
| Average earning assets | $56,264,000 | 5,656 |
| Average equity | $3,438,000 | 6,354 |
| Average total loans | $38,871,500 | 5,360 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 4,949 |
| Cost of funding earning assets | 0.8878% | 790 |
| Net interest margin | 2.8708% | 5,850 |
| Noninterest income to average assets | -0.1307% | 6,734 |
| Noninterest expense to average assets | 3.8975% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -1.7426% | 6,695 |
| Return on assets (ROA) | -1.7153% | 6,690 |
| Pretax return on assets | -1.7153% | 6,683 |
| Return on Equity (ROE) | -33.8608% | 6,739 |
| Retained earnings to average equity (ytd only) | -33.8608% | 6,736 |
| Net charge-offs to loans | -2.6226% | 6,770 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.8667% | 35 |
| Assets per employee ($millions) | 4.5667% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9482% | 94 |
| Loan loss allowance to noncurrent loans | 34.3084% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 22.1547% | 16 |
| Noncurrent loans to loans | 14.4226% | 43 |
| Net loans and leases to total assets | 53.2818% | 4,682 |
| Net loans and leases to deposits | 60.0444% | 4,933 |
| Net loans and leases to core deposits | 62.7351% | 4,997 |
| Total domestic deposits to total assets | 88.7372% | 1,787 |
| Equity capital to assets | 4.1460% | 6,741 |
| Core capital (leverage) ratio | 4.7491% | 6,726 |
| Tier 1 risk-based capital ratio | 6.5972% | 6,743 |
| Total risk-based capital ratio | 7.8780% | 6,743 |
| Memoranda: | ||
| Average total assets | $69,609,600 | 5,493 |
| Average earning assets | $55,419,800 | 5,719 |
| Average equity | $3,526,200 | 6,427 |
| Average total loans | $38,778,400 | 5,402 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7093% | 5,143 |
| Cost of funding earning assets | 0.8991% | 818 |
| Net interest margin | 2.8102% | 5,999 |
| Noninterest income to average assets | -0.2995% | 6,851 |
| Noninterest expense to average assets | 3.7393% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.8086% | 6,788 |
| Return on assets (ROA) | -1.7723% | 6,788 |
| Pretax return on assets | -1.7723% | 6,783 |
| Return on Equity (ROE) | -33.4971% | 6,824 |
| Retained earnings to average equity (ytd only) | -33.4971% | 6,819 |
| Net charge-offs to loans | 0.1098% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -29.6220% | 5,188 |
| Efficiency ratio | 193.6759% | 32 |
| Assets per employee ($millions) | 4.9892% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1591% | 1,403 |
| Loan loss allowance to noncurrent loans | 12.4161% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 23.6868% | 12 |
| Noncurrent loans to loans | 17.3893% | 33 |
| Net loans and leases to total assets | 55.2105% | 4,428 |
| Net loans and leases to deposits | 62.5795% | 4,685 |
| Net loans and leases to core deposits | 65.8437% | 4,731 |
| Total domestic deposits to total assets | 88.2246% | 1,980 |
| Equity capital to assets | 4.7732% | 6,785 |
| Core capital (leverage) ratio | 5.1568% | 6,779 |
| Tier 1 risk-based capital ratio | 6.7750% | 6,811 |
| Total risk-based capital ratio | 8.0291% | 6,811 |
| Memoranda: | ||
| Average total assets | $69,887,000 | 5,537 |
| Average earning assets | $55,462,750 | 5,776 |
| Average equity | $3,697,750 | 6,469 |
| Average total loans | $38,873,500 | 5,445 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6542% | 5,278 |
| Cost of funding earning assets | 0.9081% | 861 |
| Net interest margin | 2.7461% | 6,104 |
| Noninterest income to average assets | -0.6295% | 6,916 |
| Noninterest expense to average assets | 3.8112% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -2.2690% | 6,866 |
| Return on assets (ROA) | -2.2146% | 6,868 |
| Pretax return on assets | -2.2146% | 6,862 |
| Return on Equity (ROE) | -40.5342% | 6,892 |
| Retained earnings to average equity (ytd only) | -40.5342% | 6,886 |
| Net charge-offs to loans | 0.1757% | 2,712 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -23.3235% | 4,886 |
| Efficiency ratio | 247.1243% | 18 |
| Assets per employee ($millions) | 4.6789% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1904% | 1,440 |
| Loan loss allowance to noncurrent loans | 12.8539% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 23.7650% | 10 |
| Noncurrent loans to loans | 17.0408% | 34 |
| Net loans and leases to total assets | 54.0174% | 4,586 |
| Net loans and leases to deposits | 61.2762% | 4,827 |
| Net loans and leases to core deposits | 64.4526% | 4,845 |
| Total domestic deposits to total assets | 88.1538% | 2,137 |
| Equity capital to assets | 4.8758% | 6,831 |
| Core capital (leverage) ratio | 5.4001% | 6,803 |
| Tier 1 risk-based capital ratio | 7.1445% | 6,837 |
| Total risk-based capital ratio | 8.3991% | 6,837 |
| Memoranda: | ||
| Average total assets | $69,899,670 | 5,574 |
| Average earning assets | $55,279,330 | 5,813 |
| Average equity | $3,819,000 | 6,493 |
| Average total loans | $38,693,000 | 5,482 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7184% | 5,101 |
| Cost of funding earning assets | 0.9260% | 872 |
| Net interest margin | 2.7925% | 6,046 |
| Noninterest income to average assets | -0.8486% | 7,003 |
| Noninterest expense to average assets | 3.6756% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.3280% | 6,937 |
| Return on assets (ROA) | -2.3280% | 6,938 |
| Pretax return on assets | -2.3280% | 6,928 |
| Return on Equity (ROE) | -40.4231% | 6,955 |
| Retained earnings to average equity (ytd only) | -40.4231% | 6,936 |
| Net charge-offs to loans | -0.0207% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 272.7660% | 18 |
| Assets per employee ($millions) | 4.6519% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2668% | 1,462 |
| Loan loss allowance to noncurrent loans | 13.2247% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 24.8287% | 10 |
| Noncurrent loans to loans | 17.1405% | 46 |
| Net loans and leases to total assets | 54.6834% | 4,296 |
| Net loans and leases to deposits | 62.8471% | 4,436 |
| Net loans and leases to core deposits | 65.7086% | 4,565 |
| Total domestic deposits to total assets | 87.0102% | 2,952 |
| Equity capital to assets | 5.9876% | 6,828 |
| Core capital (leverage) ratio | 6.0241% | 6,802 |
| Tier 1 risk-based capital ratio | 7.7859% | 6,864 |
| Total risk-based capital ratio | 9.0409% | 6,865 |
| Memoranda: | ||
| Average total assets | $69,758,000 | 5,634 |
| Average earning assets | $54,862,000 | 5,875 |
| Average equity | $4,017,500 | 6,511 |
| Average total loans | $38,659,500 | 5,521 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 5,617 |
| Cost of funding earning assets | 1.1032% | 895 |
| Net interest margin | 2.7820% | 6,407 |
| Noninterest income to average assets | -0.6966% | 7,045 |
| Noninterest expense to average assets | 4.4070% | 623 |
| Loan and lease loss provision to assets | 0.0499% | 5,193 |
| Net operating income to assets | -2.9846% | 7,005 |
| Return on assets (ROA) | -2.8046% | 7,000 |
| Pretax return on assets | -2.8046% | 7,001 |
| Return on Equity (ROE) | -42.8064% | 7,005 |
| Retained earnings to average equity (ytd only) | -42.8064% | 6,998 |
| Net charge-offs to loans | 0.1293% | 4,387 |
| Credit loss provision to net charge-offs | 76.5957% | 3,944 |
| Earnings coverage of net charge-offs (x) | -45.0851% | 5,972 |
| Efficiency ratio | 299.3415% | 17 |
| Assets per employee ($millions) | 5.3645% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3069% | 1,356 |
| Loan loss allowance to noncurrent loans | 13.3646% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 25.3133% | 11 |
| Noncurrent loans to loans | 17.2610% | 49 |
| Net loans and leases to total assets | 53.6207% | 4,670 |
| Net loans and leases to deposits | 61.3127% | 4,863 |
| Net loans and leases to core deposits | 64.0857% | 4,944 |
| Total domestic deposits to total assets | 87.4545% | 2,552 |
| Equity capital to assets | 5.5307% | 6,920 |
| Core capital (leverage) ratio | 5.4174% | 6,901 |
| Tier 1 risk-based capital ratio | 7.1195% | 6,950 |
| Total risk-based capital ratio | 8.3750% | 6,952 |
| Memoranda: | ||
| Average total assets | $72,203,200 | 5,576 |
| Average earning assets | $56,289,600 | 5,857 |
| Average equity | $4,730,600 | 6,372 |
| Average total loans | $36,344,400 | 5,667 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 5,919 |
| Cost of funding earning assets | 1.1274% | 953 |
| Net interest margin | 2.7152% | 6,624 |
| Noninterest income to average assets | -1.0253% | 7,158 |
| Noninterest expense to average assets | 4.1801% | 740 |
| Loan and lease loss provision to assets | 0.0659% | 4,876 |
| Net operating income to assets | -3.1548% | 7,119 |
| Return on assets (ROA) | -2.9662% | 7,115 |
| Pretax return on assets | -2.9662% | 7,110 |
| Return on Equity (ROE) | -43.6442% | 7,107 |
| Retained earnings to average equity (ytd only) | -43.6442% | 7,100 |
| Net charge-offs to loans | 0.1152% | 4,227 |
| Credit loss provision to net charge-offs | 116.1290% | 2,504 |
| Earnings coverage of net charge-offs (x) | -54.4225% | 5,761 |
| Efficiency ratio | 383.0537% | 11 |
| Assets per employee ($millions) | 5.0929% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4013% | 1,357 |
| Loan loss allowance to noncurrent loans | 13.1934% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 27.4863% | 11 |
| Noncurrent loans to loans | 18.2008% | 56 |
| Net loans and leases to total assets | 51.2461% | 5,151 |
| Net loans and leases to deposits | 58.9481% | 5,320 |
| Net loans and leases to core deposits | 61.5684% | 5,396 |
| Total domestic deposits to total assets | 86.9343% | 2,710 |
| Equity capital to assets | 6.1458% | 6,977 |
| Core capital (leverage) ratio | 5.8700% | 6,956 |
| Tier 1 risk-based capital ratio | 7.3807% | 7,026 |
| Total risk-based capital ratio | 8.6354% | 7,028 |
| Memoranda: | ||
| Average total assets | $72,819,500 | 5,608 |
| Average earning assets | $56,764,250 | 5,915 |
| Average equity | $4,949,000 | 6,373 |
| Average total loans | $35,861,250 | 5,758 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 6,202 |
| Cost of funding earning assets | 1.1353% | 1,075 |
| Net interest margin | 2.6386% | 6,786 |
| Noninterest income to average assets | -0.4473% | 7,186 |
| Noninterest expense to average assets | 4.2932% | 655 |
| Loan and lease loss provision to assets | 0.0982% | 4,310 |
| Net operating income to assets | -2.7657% | 7,137 |
| Return on assets (ROA) | -2.5257% | 7,128 |
| Pretax return on assets | -2.5257% | 7,116 |
| Return on Equity (ROE) | -36.0452% | 7,135 |
| Retained earnings to average equity (ytd only) | -36.0452% | 7,128 |
| Net charge-offs to loans | 0.2038% | 3,354 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | -27.1667% | 5,487 |
| Efficiency ratio | 264.0940% | 23 |
| Assets per employee ($millions) | 5.5118% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5207% | 1,254 |
| Loan loss allowance to noncurrent loans | 14.1792% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 23.4251% | 21 |
| Noncurrent loans to loans | 17.7771% | 62 |
| Net loans and leases to total assets | 48.2499% | 5,589 |
| Net loans and leases to deposits | 55.7854% | 5,675 |
| Net loans and leases to core deposits | 58.2596% | 5,756 |
| Total domestic deposits to total assets | 86.4920% | 3,078 |
| Equity capital to assets | 6.6570% | 6,963 |
| Core capital (leverage) ratio | 6.7525% | 6,875 |
| Tier 1 risk-based capital ratio | 8.9640% | 6,988 |
| Total risk-based capital ratio | 10.2186% | 6,990 |
| Memoranda: | ||
| Average total assets | $73,325,670 | 5,628 |
| Average earning assets | $57,607,000 | 5,918 |
| Average equity | $5,138,000 | 6,356 |
| Average total loans | $35,335,670 | 5,819 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 6,487 |
| Cost of funding earning assets | 1.1454% | 1,192 |
| Net interest margin | 2.5240% | 6,936 |
| Noninterest income to average assets | 0.2643% | 5,757 |
| Noninterest expense to average assets | 5.4961% | 269 |
| Loan and lease loss provision to assets | 0.1942% | 3,002 |
| Net operating income to assets | -3.4411% | 7,240 |
| Return on assets (ROA) | -3.3548% | 7,239 |
| Pretax return on assets | -3.3548% | 7,226 |
| Return on Equity (ROE) | -46.7493% | 7,218 |
| Retained earnings to average equity (ytd only) | -46.7493% | 7,205 |
| Net charge-offs to loans | -0.0227% | 6,223 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 244.3645% | 26 |
| Assets per employee ($millions) | 5.6605% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5921% | 1,237 |
| Loan loss allowance to noncurrent loans | 14.0150% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 23.3360% | 23 |
| Noncurrent loans to loans | 18.4948% | 65 |
| Net loans and leases to total assets | 47.5960% | 5,611 |
| Net loans and leases to deposits | 55.0623% | 5,701 |
| Net loans and leases to core deposits | 57.4343% | 5,762 |
| Total domestic deposits to total assets | 86.4404% | 3,280 |
| Equity capital to assets | 6.9320% | 6,945 |
| Core capital (leverage) ratio | 7.1482% | 6,782 |
| Tier 1 risk-based capital ratio | 9.5458% | 6,958 |
| Total risk-based capital ratio | 10.7595% | 6,960 |
| Memoranda: | ||
| Average total assets | $74,161,500 | 5,639 |
| Average earning assets | $58,320,000 | 5,927 |
| Average equity | $5,322,000 | 6,328 |
| Average total loans | $35,270,000 | 5,859 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 6,739 |
| Cost of funding earning assets | 1.5641% | 551 |
| Net interest margin | 2.2276% | 7,166 |
| Noninterest income to average assets | 0.3072% | 5,343 |
| Noninterest expense to average assets | 5.8878% | 225 |
| Loan and lease loss provision to assets | 0.7650% | 1,306 |
| Net operating income to assets | -4.5157% | 7,281 |
| Return on assets (ROA) | -4.4057% | 7,282 |
| Pretax return on assets | -4.4057% | 7,288 |
| Return on Equity (ROE) | -68.9875% | 7,271 |
| Retained earnings to average equity (ytd only) | -68.9875% | 7,271 |
| Net charge-offs to loans | 2.2266% | 569 |
| Credit loss provision to net charge-offs | 76.5550% | 4,619 |
| Earnings coverage of net charge-offs (x) | -3.7536% | 6,346 |
| Efficiency ratio | 275.5034% | 28 |
| Assets per employee ($millions) | 4.9825% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5850% | 1,214 |
| Loan loss allowance to noncurrent loans | 23.2449% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 19.5031% | 57 |
| Noncurrent loans to loans | 11.1207% | 258 |
| Net loans and leases to total assets | 45.0781% | 6,101 |
| Net loans and leases to deposits | 52.3909% | 6,175 |
| Net loans and leases to core deposits | 54.1666% | 6,293 |
| Total domestic deposits to total assets | 86.0417% | 3,302 |
| Equity capital to assets | 7.4167% | 6,849 |
| Core capital (leverage) ratio | 7.4503% | 6,678 |
| Tier 1 risk-based capital ratio | 10.6755% | 6,618 |
| Total risk-based capital ratio | 11.8808% | 6,608 |
| Memoranda: | ||
| Average total assets | $83,664,000 | 5,350 |
| Average earning assets | $68,728,400 | 5,580 |
| Average equity | $5,343,000 | 6,339 |
| Average total loans | $37,545,400 | 5,811 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 6,866 |
| Cost of funding earning assets | 1.5735% | 656 |
| Net interest margin | 2.2063% | 7,256 |
| Noninterest income to average assets | 0.2173% | 6,052 |
| Noninterest expense to average assets | 5.8286% | 221 |
| Loan and lease loss provision to assets | 0.9934% | 871 |
| Net operating income to assets | -4.7809% | 7,369 |
| Return on assets (ROA) | -4.6908% | 7,366 |
| Pretax return on assets | -4.6908% | 7,368 |
| Return on Equity (ROE) | -76.1237% | 7,354 |
| Retained earnings to average equity (ytd only) | -76.1237% | 7,353 |
| Net charge-offs to loans | 2.9183% | 330 |
| Credit loss provision to net charge-offs | 76.3723% | 4,268 |
| Earnings coverage of net charge-offs (x) | -2.9117% | 6,057 |
| Efficiency ratio | 285.5513% | 23 |
| Assets per employee ($millions) | 5.3029% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5392% | 1,339 |
| Loan loss allowance to noncurrent loans | 23.3386% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 18.8942% | 70 |
| Noncurrent loans to loans | 10.8799% | 299 |
| Net loans and leases to total assets | 43.0421% | 6,428 |
| Net loans and leases to deposits | 52.0050% | 6,366 |
| Net loans and leases to core deposits | 53.7262% | 6,477 |
| Total domestic deposits to total assets | 82.7653% | 4,772 |
| Equity capital to assets | 4.7056% | 7,283 |
| Core capital (leverage) ratio | 4.6752% | 7,263 |
| Tier 1 risk-based capital ratio | 6.6503% | 7,267 |
| Total risk-based capital ratio | 7.5860% | 7,285 |
| Memoranda: | ||
| Average total assets | $85,895,750 | 5,329 |
| Average earning assets | $71,007,250 | 5,549 |
| Average equity | $5,293,000 | 6,404 |
| Average total loans | $38,285,750 | 5,825 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 6,912 |
| Cost of funding earning assets | 1.5907% | 722 |
| Net interest margin | 2.2145% | 7,311 |
| Noninterest income to average assets | 0.1932% | 6,285 |
| Noninterest expense to average assets | 3.9290% | 1,144 |
| Loan and lease loss provision to assets | 1.4543% | 492 |
| Net operating income to assets | -3.3427% | 7,344 |
| Return on assets (ROA) | -3.3131% | 7,351 |
| Pretax return on assets | -3.3131% | 7,341 |
| Return on Equity (ROE) | -50.1922% | 7,348 |
| Retained earnings to average equity (ytd only) | -50.1922% | 7,345 |
| Net charge-offs to loans | 4.1944% | 183 |
| Credit loss provision to net charge-offs | 77.5758% | 3,842 |
| Earnings coverage of net charge-offs (x) | -1.0073% | 5,631 |
| Efficiency ratio | 192.5390% | 68 |
| Assets per employee ($millions) | 5.4293% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3357% | 1,685 |
| Loan loss allowance to noncurrent loans | 14.0924% | 6,881 |
| Noncurrent assets plus other real estate owned to assets | 20.3635% | 59 |
| Noncurrent loans to loans | 16.5743% | 108 |
| Net loans and leases to total assets | 46.5165% | 6,214 |
| Net loans and leases to deposits | 57.2372% | 6,026 |
| Net loans and leases to core deposits | 59.1164% | 6,182 |
| Total domestic deposits to total assets | 81.2696% | 5,436 |
| Equity capital to assets | 6.5312% | 7,178 |
| Core capital (leverage) ratio | 6.2147% | 7,166 |
| Tier 1 risk-based capital ratio | 9.9880% | 6,977 |
| Total risk-based capital ratio | 11.2440% | 6,978 |
| Memoranda: | ||
| Average total assets | $88,013,330 | 5,312 |
| Average earning assets | $73,424,670 | 5,511 |
| Average equity | $5,809,670 | 6,286 |
| Average total loans | $39,338,000 | 5,829 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 7,070 |
| Cost of funding earning assets | 1.6457% | 683 |
| Net interest margin | 2.0519% | 7,400 |
| Noninterest income to average assets | 0.1928% | 6,344 |
| Noninterest expense to average assets | 4.0438% | 982 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.1249% | 7,303 |
| Return on assets (ROA) | -2.1249% | 7,302 |
| Pretax return on assets | -2.1249% | 7,278 |
| Return on Equity (ROE) | -32.0396% | 7,337 |
| Retained earnings to average equity (ytd only) | -32.0396% | 7,312 |
| Net charge-offs to loans | -0.6059% | 7,434 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.7306% | 57 |
| Assets per employee ($millions) | 6.0243% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9533% | 954 |
| Loan loss allowance to noncurrent loans | 15.6654% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 19.5332% | 71 |
| Noncurrent loans to loans | 18.8526% | 76 |
| Net loans and leases to total assets | 41.8186% | 6,637 |
| Net loans and leases to deposits | 56.8204% | 6,050 |
| Net loans and leases to core deposits | 58.6713% | 6,200 |
| Total domestic deposits to total assets | 73.5979% | 6,941 |
| Equity capital to assets | 6.5668% | 7,191 |
| Core capital (leverage) ratio | 6.7323% | 7,104 |
| Tier 1 risk-based capital ratio | 11.6760% | 5,956 |
| Total risk-based capital ratio | 12.9364% | 5,944 |
| Memoranda: | ||
| Average total assets | $91,300,000 | 5,258 |
| Average earning assets | $76,805,000 | 5,452 |
| Average equity | $6,055,000 | 6,227 |
| Average total loans | $39,612,500 | 5,868 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 7,321 |
| Cost of funding earning assets | 1.7074% | 1,565 |
| Net interest margin | 1.9598% | 7,464 |
| Noninterest income to average assets | -0.1719% | 7,454 |
| Noninterest expense to average assets | 4.1996% | 905 |
| Loan and lease loss provision to assets | 0.7781% | 2,107 |
| Net operating income to assets | -3.4042% | 7,362 |
| Return on assets (ROA) | -3.0008% | 7,315 |
| Pretax return on assets | -3.0008% | 7,292 |
| Return on Equity (ROE) | -37.5752% | 7,319 |
| Retained earnings to average equity (ytd only) | -37.5752% | 7,309 |
| Net charge-offs to loans | 2.8605% | 604 |
| Credit loss provision to net charge-offs | 59.1241% | 6,097 |
| Earnings coverage of net charge-offs (x) | -1.9956% | 6,705 |
| Efficiency ratio | 266.9109% | 41 |
| Assets per employee ($millions) | 6.5883% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7057% | 1,157 |
| Loan loss allowance to noncurrent loans | 18.2580% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 16.7483% | 122 |
| Noncurrent loans to loans | 14.8190% | 168 |
| Net loans and leases to total assets | 42.4953% | 6,822 |
| Net loans and leases to deposits | 57.5565% | 6,300 |
| Net loans and leases to core deposits | 63.7852% | 6,069 |
| Total domestic deposits to total assets | 73.8323% | 6,913 |
| Equity capital to assets | 6.6959% | 7,209 |
| Core capital (leverage) ratio | 7.1574% | 6,936 |
| Tier 1 risk-based capital ratio | 12.4011% | 5,107 |
| Total risk-based capital ratio | 13.6607% | 5,081 |
| Memoranda: | ||
| Average total assets | $104,105,800 | 4,868 |
| Average earning assets | $92,713,600 | 4,925 |
| Average equity | $8,314,000 | 5,613 |
| Average total loans | $47,893,400 | 5,565 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6569% | 7,473 |
| Cost of funding earning assets | 1.7219% | 1,760 |
| Net interest margin | 1.9350% | 7,595 |
| Noninterest income to average assets | -0.2329% | 7,610 |
| Noninterest expense to average assets | 4.3795% | 677 |
| Loan and lease loss provision to assets | 0.6351% | 2,400 |
| Net operating income to assets | -3.5065% | 7,520 |
| Return on assets (ROA) | -2.9836% | 7,457 |
| Pretax return on assets | -2.9836% | 7,412 |
| Return on Equity (ROE) | -36.1032% | 7,461 |
| Retained earnings to average equity (ytd only) | -36.1032% | 7,457 |
| Net charge-offs to loans | 2.4794% | 686 |
| Credit loss provision to net charge-offs | 55.0756% | 5,803 |
| Earnings coverage of net charge-offs (x) | -2.4903% | 6,550 |
| Efficiency ratio | 290.4211% | 29 |
| Assets per employee ($millions) | 6.4467% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7556% | 1,033 |
| Loan loss allowance to noncurrent loans | 12.7931% | 7,126 |
| Noncurrent assets plus other real estate owned to assets | 16.7528% | 110 |
| Noncurrent loans to loans | 21.5398% | 58 |
| Net loans and leases to total assets | 44.9969% | 6,776 |
| Net loans and leases to deposits | 60.9181% | 6,226 |
| Net loans and leases to core deposits | 66.9560% | 6,041 |
| Total domestic deposits to total assets | 73.8645% | 6,931 |
| Equity capital to assets | 7.5698% | 7,082 |
| Core capital (leverage) ratio | 8.0424% | 6,287 |
| Tier 1 risk-based capital ratio | 13.1758% | 4,440 |
| Total risk-based capital ratio | 14.4377% | 4,415 |
| Memoranda: | ||
| Average total assets | $107,073,250 | 4,862 |
| Average earning assets | $96,327,000 | 4,880 |
| Average equity | $8,848,500 | 5,539 |
| Average total loans | $49,795,250 | 5,578 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7816% | 7,494 |
| Cost of funding earning assets | 1.7397% | 1,922 |
| Net interest margin | 2.0419% | 7,636 |
| Noninterest income to average assets | -0.1158% | 7,638 |
| Noninterest expense to average assets | 3.8415% | 1,284 |
| Loan and lease loss provision to assets | 0.2461% | 4,469 |
| Net operating income to assets | -2.3577% | 7,387 |
| Return on assets (ROA) | -2.0266% | 7,319 |
| Pretax return on assets | -2.0266% | 7,246 |
| Return on Equity (ROE) | -23.9367% | 7,356 |
| Retained earnings to average equity (ytd only) | -23.9367% | 7,342 |
| Net charge-offs to loans | 1.1655% | 1,628 |
| Credit loss provision to net charge-offs | 45.3333% | 5,517 |
| Earnings coverage of net charge-offs (x) | -3.8900% | 6,276 |
| Efficiency ratio | 222.0711% | 76 |
| Assets per employee ($millions) | 7.1561% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1388% | 743 |
| Loan loss allowance to noncurrent loans | 17.0062% | 7,072 |
| Noncurrent assets plus other real estate owned to assets | 14.4752% | 161 |
| Noncurrent loans to loans | 18.4568% | 103 |
| Net loans and leases to total assets | 42.7205% | 6,998 |
| Net loans and leases to deposits | 57.0474% | 6,653 |
| Net loans and leases to core deposits | 67.6197% | 6,092 |
| Total domestic deposits to total assets | 74.8859% | 6,867 |
| Equity capital to assets | 8.3900% | 6,313 |
| Core capital (leverage) ratio | 8.6777% | 5,116 |
| Tier 1 risk-based capital ratio | 14.2670% | 3,565 |
| Total risk-based capital ratio | 15.5317% | 3,528 |
| Memoranda: | ||
| Average total assets | $110,531,000 | 4,787 |
| Average earning assets | $99,904,670 | 4,810 |
| Average equity | $9,358,000 | 5,396 |
| Average total loans | $51,478,670 | 5,544 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 7,641 |
| Cost of funding earning assets | 1.7772% | 1,985 |
| Net interest margin | 1.9224% | 7,743 |
| Noninterest income to average assets | -0.4994% | 7,860 |
| Noninterest expense to average assets | 3.0823% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.8337% | 7,420 |
| Return on assets (ROA) | -1.7124% | 7,393 |
| Pretax return on assets | -1.7124% | 7,320 |
| Return on Equity (ROE) | -20.1385% | 7,440 |
| Retained earnings to average equity (ytd only) | -20.1385% | 7,377 |
| Net charge-offs to loans | 0.3511% | 3,003 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -10.9362% | 5,563 |
| Efficiency ratio | 246.8571% | 63 |
| Assets per employee ($millions) | 6.9985% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0389% | 794 |
| Loan loss allowance to noncurrent loans | 13.7490% | 7,246 |
| Noncurrent assets plus other real estate owned to assets | 14.9260% | 138 |
| Noncurrent loans to loans | 22.1028% | 59 |
| Net loans and leases to total assets | 48.7207% | 6,603 |
| Net loans and leases to deposits | 65.8190% | 5,844 |
| Net loans and leases to core deposits | 78.2647% | 4,993 |
| Total domestic deposits to total assets | 74.0222% | 7,046 |
| Equity capital to assets | 8.8981% | 5,413 |
| Core capital (leverage) ratio | 9.0085% | 4,552 |
| Tier 1 risk-based capital ratio | 15.6559% | 2,803 |
| Total risk-based capital ratio | 16.9252% | 2,740 |
| Memoranda: | ||
| Average total assets | $112,125,500 | 4,822 |
| Average earning assets | $101,956,000 | 4,816 |
| Average equity | $9,534,000 | 5,373 |
| Average total loans | $53,546,500 | 5,511 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 7,675 |
| Cost of funding earning assets | 2.6417% | 687 |
| Net interest margin | 1.3993% | 7,885 |
| Noninterest income to average assets | -0.4477% | 7,932 |
| Noninterest expense to average assets | 3.6152% | 2,110 |
| Loan and lease loss provision to assets | 2.3084% | 882 |
| Net operating income to assets | -5.1144% | 7,759 |
| Return on assets (ROA) | -4.7464% | 7,707 |
| Pretax return on assets | -4.7464% | 7,668 |
| Return on Equity (ROE) | -51.4380% | 7,696 |
| Retained earnings to average equity (ytd only) | -51.4380% | 7,687 |
| Net charge-offs to loans | 4.0503% | 404 |
| Credit loss provision to net charge-offs | 111.8611% | 4,906 |
| Earnings coverage of net charge-offs (x) | -1.3597% | 6,936 |
| Efficiency ratio | 446.7662% | 38 |
| Assets per employee ($millions) | 7.9515% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0362% | 749 |
| Loan loss allowance to noncurrent loans | 15.1864% | 7,251 |
| Noncurrent assets plus other real estate owned to assets | 14.0149% | 171 |
| Noncurrent loans to loans | 19.9930% | 70 |
| Net loans and leases to total assets | 44.1793% | 7,110 |
| Net loans and leases to deposits | 57.5564% | 6,813 |
| Net loans and leases to core deposits | 86.5894% | 5,463 |
| Total domestic deposits to total assets | 76.7584% | 6,540 |
| Equity capital to assets | 8.1552% | 6,398 |
| Core capital (leverage) ratio | 8.2019% | 5,807 |
| Tier 1 risk-based capital ratio | 15.2863% | 2,805 |
| Total risk-based capital ratio | 16.5402% | 2,763 |
| Memoranda: | ||
| Average total assets | $124,199,400 | 4,466 |
| Average earning assets | $111,556,000 | 4,519 |
| Average equity | $11,460,400 | 4,893 |
| Average total loans | $63,279,600 | 5,122 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 7,769 |
| Cost of funding earning assets | 2.7873% | 615 |
| Net interest margin | 1.3249% | 7,976 |
| Noninterest income to average assets | -0.6729% | 8,059 |
| Noninterest expense to average assets | 3.5408% | 2,168 |
| Loan and lease loss provision to assets | 1.7645% | 1,047 |
| Net operating income to assets | -4.7898% | 7,821 |
| Return on assets (ROA) | -4.5559% | 7,805 |
| Pretax return on assets | -4.5559% | 7,761 |
| Return on Equity (ROE) | -48.0464% | 7,818 |
| Retained earnings to average equity (ytd only) | -48.0464% | 7,814 |
| Net charge-offs to loans | 3.6022% | 411 |
| Credit loss provision to net charge-offs | 93.7853% | 5,383 |
| Earnings coverage of net charge-offs (x) | -1.6079% | 6,708 |
| Efficiency ratio | 686.8041% | 18 |
| Assets per employee ($millions) | 7.2063% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 1,775 |
| Loan loss allowance to noncurrent loans | 10.3535% | 7,445 |
| Noncurrent assets plus other real estate owned to assets | 13.8528% | 152 |
| Noncurrent loans to loans | 19.4120% | 71 |
| Net loans and leases to total assets | 46.4576% | 7,071 |
| Net loans and leases to deposits | 60.5715% | 6,779 |
| Net loans and leases to core deposits | 92.6552% | 5,171 |
| Total domestic deposits to total assets | 76.6987% | 6,426 |
| Equity capital to assets | 9.2611% | 5,078 |
| Core capital (leverage) ratio | 9.4907% | 3,920 |
| Tier 1 risk-based capital ratio | 14.9326% | 3,070 |
| Total risk-based capital ratio | 16.1855% | 3,004 |
| Memoranda: | ||
| Average total assets | $125,431,000 | 4,466 |
| Average earning assets | $112,507,000 | 4,531 |
| Average equity | $11,893,750 | 4,823 |
| Average total loans | $65,513,500 | 5,084 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3086% | 7,774 |
| Cost of funding earning assets | 2.9915% | 489 |
| Net interest margin | 1.3171% | 8,057 |
| Noninterest income to average assets | -1.0500% | 8,157 |
| Noninterest expense to average assets | 3.3838% | 2,676 |
| Loan and lease loss provision to assets | 2.4774% | 633 |
| Net operating income to assets | -5.7337% | 7,989 |
| Return on assets (ROA) | -5.3789% | 7,958 |
| Pretax return on assets | -5.3789% | 7,909 |
| Return on Equity (ROE) | -56.2679% | 7,957 |
| Retained earnings to average equity (ytd only) | -56.2679% | 7,954 |
| Net charge-offs to loans | 5.7051% | 202 |
| Credit loss provision to net charge-offs | 80.5454% | 5,186 |
| Earnings coverage of net charge-offs (x) | -1.0587% | 6,243 |
| Efficiency ratio | 2,655.6962% | 9 |
| Assets per employee ($millions) | 7.1174% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 2,879 |
| Loan loss allowance to noncurrent loans | 16.7641% | 7,296 |
| Noncurrent assets plus other real estate owned to assets | 10.6031% | 248 |
| Noncurrent loans to loans | 9.3550% | 405 |
| Net loans and leases to total assets | 47.7661% | 7,054 |
| Net loans and leases to deposits | 62.7403% | 6,686 |
| Net loans and leases to core deposits | 97.4350% | 4,744 |
| Total domestic deposits to total assets | 76.1330% | 6,520 |
| Equity capital to assets | 9.7273% | 4,310 |
| Core capital (leverage) ratio | 9.9859% | 3,312 |
| Tier 1 risk-based capital ratio | 14.9682% | 3,032 |
| Total risk-based capital ratio | 16.1315% | 3,004 |
| Memoranda: | ||
| Average total assets | $124,003,330 | 4,531 |
| Average earning assets | $110,849,000 | 4,604 |
| Average equity | $11,854,000 | 4,857 |
| Average total loans | $66,852,000 | 5,077 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 7,958 |
| Cost of funding earning assets | 3.0668% | 502 |
| Net interest margin | 1.0052% | 8,164 |
| Noninterest income to average assets | -0.3214% | 8,185 |
| Noninterest expense to average assets | 3.9656% | 1,223 |
| Loan and lease loss provision to assets | 3.8935% | 245 |
| Net operating income to assets | -7.2785% | 8,126 |
| Return on assets (ROA) | -6.9571% | 8,112 |
| Pretax return on assets | -6.9571% | 8,081 |
| Return on Equity (ROE) | -73.4545% | 8,111 |
| Retained earnings to average equity (ytd only) | -73.4545% | 8,100 |
| Net charge-offs to loans | 9.5674% | 68 |
| Credit loss provision to net charge-offs | 71.7221% | 4,322 |
| Earnings coverage of net charge-offs (x) | -0.6236% | 5,291 |
| Efficiency ratio | 683.0508% | 28 |
| Assets per employee ($millions) | 7.2939% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 3,927 |
| Loan loss allowance to noncurrent loans | 11.6245% | 7,487 |
| Noncurrent assets plus other real estate owned to assets | 9.9565% | 230 |
| Noncurrent loans to loans | 11.4156% | 202 |
| Net loans and leases to total assets | 49.7262% | 6,886 |
| Net loans and leases to deposits | 63.5282% | 6,603 |
| Net loans and leases to core deposits | 102.6897% | 4,269 |
| Total domestic deposits to total assets | 78.2742% | 5,928 |
| Equity capital to assets | 7.9350% | 6,910 |
| Core capital (leverage) ratio | 8.4380% | 5,646 |
| Tier 1 risk-based capital ratio | 12.0080% | 4,958 |
| Total risk-based capital ratio | 13.0371% | 5,056 |
| Memoranda: | ||
| Average total assets | $121,948,000 | 4,596 |
| Average earning assets | $109,431,500 | 4,659 |
| Average equity | $11,550,000 | 4,969 |
| Average total loans | $69,193,000 | 5,011 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8241% | 6,361 |
| Cost of funding earning assets | 3.4292% | 656 |
| Net interest margin | 2.3949% | 7,855 |
| Noninterest income to average assets | -0.1326% | 8,210 |
| Noninterest expense to average assets | 3.0444% | 3,926 |
| Loan and lease loss provision to assets | 4.3760% | 138 |
| Net operating income to assets | -5.3841% | 8,112 |
| Return on assets (ROA) | -4.9838% | 8,077 |
| Pretax return on assets | -4.9838% | 8,026 |
| Return on Equity (ROE) | -40.5285% | 8,082 |
| Retained earnings to average equity (ytd only) | -40.5285% | 8,055 |
| Net charge-offs to loans | 6.7894% | 44 |
| Credit loss provision to net charge-offs | 95.9098% | 5,513 |
| Earnings coverage of net charge-offs (x) | -0.2209% | 6,380 |
| Efficiency ratio | 149.5075% | 354 |
| Assets per employee ($millions) | 5.9266% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 1,497 |
| Loan loss allowance to noncurrent loans | 14.8960% | 7,395 |
| Noncurrent assets plus other real estate owned to assets | 12.4160% | 101 |
| Noncurrent loans to loans | 12.5114% | 113 |
| Net loans and leases to total assets | 62.9421% | 5,464 |
| Net loans and leases to deposits | 86.5693% | 4,022 |
| Net loans and leases to core deposits | 126.1857% | 2,152 |
| Total domestic deposits to total assets | 72.7073% | 6,880 |
| Equity capital to assets | 11.2624% | 2,835 |
| Core capital (leverage) ratio | 10.8657% | 2,695 |
| Tier 1 risk-based capital ratio | 14.3518% | 3,361 |
| Total risk-based capital ratio | 15.6056% | 3,281 |
| Memoranda: | ||
| Average total assets | $114,670,400 | 4,654 |
| Average earning assets | $103,844,400 | 4,687 |
| Average equity | $14,101,200 | 4,320 |
| Average total loans | $77,061,200 | 4,616 |