| 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 | 3.9058% | 1,798 |
| Cost of funding earning assets | 0.4144% | 1,766 |
| Net interest margin | 3.4915% | 1,879 |
| Noninterest income to average assets | 0.1371% | 4,513 |
| Noninterest expense to average assets | 2.8378% | 1,274 |
| Loan and lease loss provision to assets | 0.2828% | 319 |
| Net operating income to assets | 1.7148% | 848 |
| Return on assets (ROA) | 1.7148% | 898 |
| Pretax return on assets | 0.3612% | 4,535 |
| Return on Equity (ROE) | 15.3605% | 1,077 |
| Retained earnings to average equity (ytd only) | 15.3605% | 388 |
| Net charge-offs to loans | -0.0032% | 3,303 |
| Credit loss provision to net charge-offs | -10,283.3333% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3191% | 712 |
| Assets per employee ($millions) | 7.2469% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1588% | 3,148 |
| Loan loss allowance to noncurrent loans | 933.8521% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 3,487 |
| Noncurrent loans to loans | 0.1241% | 3,570 |
| Net loans and leases to total assets | 88.2765% | 35 |
| Net loans and leases to deposits | 106.2599% | 158 |
| Net loans and leases to core deposits | 127.9087% | 146 |
| Total domestic deposits to total assets | 83.0760% | 3,688 |
| Equity capital to assets | 10.8178% | 2,131 |
| Core capital (leverage) ratio | 11.1892% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6038% | 2,515 |
| Memoranda: |
| Average total assets | $436,322,333 | 1,892 |
| Average earning assets | $417,989,667 | 1,851 |
| Average equity | $48,709,333 | 1,811 |
| Average total loans | $376,880,000 | 1,469 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7102% | 2,334 |
| Cost of funding earning assets | 0.4267% | 1,885 |
| Net interest margin | 3.2835% | 2,435 |
| Noninterest income to average assets | 0.1183% | 4,596 |
| Noninterest expense to average assets | 3.0413% | 926 |
| Loan and lease loss provision to assets | 0.1959% | 622 |
| Net operating income to assets | 2.8804% | 168 |
| Return on assets (ROA) | 2.8804% | 192 |
| Pretax return on assets | 0.0350% | 4,768 |
| Return on Equity (ROE) | 25.3702% | 247 |
| Retained earnings to average equity (ytd only) | 25.3702% | 136 |
| Net charge-offs to loans | -0.0022% | 3,159 |
| Credit loss provision to net charge-offs | -10,350.0000% | 3,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7394% | 309 |
| Assets per employee ($millions) | 7.2597% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1274% | 3,301 |
| Loan loss allowance to noncurrent loans | 401.2809% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 2,848 |
| Noncurrent loans to loans | 0.2810% | 3,091 |
| Net loans and leases to total assets | 91.3488% | 16 |
| Net loans and leases to deposits | 117.9352% | 81 |
| Net loans and leases to core deposits | 137.5278% | 97 |
| Total domestic deposits to total assets | 77.4568% | 4,487 |
| Equity capital to assets | 11.7520% | 1,412 |
| Core capital (leverage) ratio | 12.5151% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2470% | 1,835 |
| Memoranda: |
| Average total assets | $422,582,500 | 1,926 |
| Average earning assets | $405,905,500 | 1,884 |
| Average equity | $47,977,500 | 1,824 |
| Average total loans | $358,206,000 | 1,533 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0418% | 2,604 |
| Cost of funding earning assets | 1.0044% | 585 |
| Net interest margin | 3.0374% | 3,798 |
| Noninterest income to average assets | 0.2320% | 4,109 |
| Noninterest expense to average assets | 2.7749% | 2,011 |
| Loan and lease loss provision to assets | 0.7662% | 174 |
| Net operating income to assets | -0.3813% | 4,858 |
| Return on assets (ROA) | -0.3813% | 4,873 |
| Pretax return on assets | -0.3813% | 4,860 |
| Return on Equity (ROE) | -3.3105% | 4,874 |
| Retained earnings to average equity (ytd only) | -3.3105% | 4,783 |
| Net charge-offs to loans | -0.0069% | 4,192 |
| Credit loss provision to net charge-offs | -13,722.2222% | 4,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5221% | 465 |
| Assets per employee ($millions) | 7.8538% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2758% | 2,538 |
| Loan loss allowance to noncurrent loans | 2,088.5000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 4,108 |
| Noncurrent loans to loans | 0.0611% | 4,047 |
| Net loans and leases to total assets | 76.2112% | 764 |
| Net loans and leases to deposits | 108.7834% | 179 |
| Net loans and leases to core deposits | 143.6475% | 107 |
| Total domestic deposits to total assets | 70.0577% | 4,774 |
| Equity capital to assets | 10.9577% | 2,289 |
| Core capital (leverage) ratio | 14.5318% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8580% | 1,582 |
| Memoranda: |
| Average total assets | $322,353,400 | 2,177 |
| Average earning assets | $310,726,000 | 2,113 |
| Average equity | $37,124,800 | 2,122 |
| Average total loans | $260,277,800 | 1,867 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3298% | 2,017 |
| Cost of funding earning assets | 1.1906% | 385 |
| Net interest margin | 3.1392% | 3,648 |
| Noninterest income to average assets | 0.2043% | 4,247 |
| Noninterest expense to average assets | 2.9341% | 1,603 |
| Loan and lease loss provision to assets | 1.0373% | 122 |
| Net operating income to assets | -0.7454% | 4,922 |
| Return on assets (ROA) | -0.7454% | 4,930 |
| Pretax return on assets | -0.7454% | 4,919 |
| Return on Equity (ROE) | -6.3622% | 4,933 |
| Retained earnings to average equity (ytd only) | -6.3622% | 4,877 |
| Net charge-offs to loans | -0.0027% | 3,929 |
| Credit loss provision to net charge-offs | -46,200.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6320% | 347 |
| Assets per employee ($millions) | 7.3491% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2384% | 2,455 |
| Loan loss allowance to noncurrent loans | 1,763.8767% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 4,131 |
| Noncurrent loans to loans | 0.0702% | 4,093 |
| Net loans and leases to total assets | 86.9019% | 112 |
| Net loans and leases to deposits | 123.5967% | 86 |
| Net loans and leases to core deposits | 146.1886% | 132 |
| Total domestic deposits to total assets | 70.3108% | 4,747 |
| Equity capital to assets | 12.5209% | 1,415 |
| Core capital (leverage) ratio | 16.4531% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1937% | 1,025 |
| Memoranda: |
| Average total assets | $296,916,000 | 2,295 |
| Average earning assets | $285,795,000 | 2,236 |
| Average equity | $34,788,000 | 2,236 |
| Average total loans | $243,499,500 | 1,959 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7039% | 1,394 |
| Cost of funding earning assets | 1.4480% | 191 |
| Net interest margin | 3.2559% | 3,507 |
| Noninterest income to average assets | 0.2019% | 4,266 |
| Noninterest expense to average assets | 3.3058% | 990 |
| Loan and lease loss provision to assets | 1.5106% | 81 |
| Net operating income to assets | -1.4843% | 4,999 |
| Return on assets (ROA) | -1.4843% | 4,999 |
| Pretax return on assets | -1.4843% | 4,987 |
| Return on Equity (ROE) | -13.0702% | 5,005 |
| Retained earnings to average equity (ytd only) | -13.0702% | 4,963 |
| Net charge-offs to loans | -0.0101% | 4,213 |
| Credit loss provision to net charge-offs | -18,772.7273% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8584% | 196 |
| Assets per employee ($millions) | 7.2176% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3066% | 1,971 |
| Loan loss allowance to noncurrent loans | 1,218.7702% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 4,073 |
| Noncurrent loans to loans | 0.1072% | 4,026 |
| Net loans and leases to total assets | 83.8566% | 264 |
| Net loans and leases to deposits | 128.6815% | 54 |
| Net loans and leases to core deposits | 148.3278% | 113 |
| Total domestic deposits to total assets | 65.1660% | 4,900 |
| Equity capital to assets | 9.0231% | 4,074 |
| Core capital (leverage) ratio | 11.3226% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3316% | 2,057 |
| Memoranda: |
| Average total assets | $273,402,333 | 2,390 |
| Average earning assets | $262,845,333 | 2,347 |
| Average equity | $31,047,667 | 2,404 |
| Average total loans | $216,889,000 | 2,110 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0211% | 3,733 |
| Cost of funding earning assets | 1.6849% | 141 |
| Net interest margin | 2.3362% | 4,907 |
| Noninterest income to average assets | 0.2445% | 4,097 |
| Noninterest expense to average assets | 3.3898% | 1,078 |
| Loan and lease loss provision to assets | 3.2434% | 32 |
| Net operating income to assets | -4.1515% | 5,090 |
| Return on assets (ROA) | -4.1515% | 5,082 |
| Pretax return on assets | -4.1515% | 5,076 |
| Return on Equity (ROE) | -31.9314% | 5,082 |
| Retained earnings to average equity (ytd only) | -31.9314% | 5,047 |
| Net charge-offs to loans | -0.0110% | 4,108 |
| Credit loss provision to net charge-offs | -39,000.0000% | 4,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.0590% | 73 |
| Assets per employee ($millions) | 5.1558% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8788% | 634 |
| Loan loss allowance to noncurrent loans | 1,135.2025% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 3,988 |
| Noncurrent loans to loans | 0.1655% | 3,872 |
| Net loans and leases to total assets | 76.8994% | 1,151 |
| Net loans and leases to deposits | 92.1352% | 1,265 |
| Net loans and leases to core deposits | 106.9392% | 1,005 |
| Total domestic deposits to total assets | 83.4636% | 2,958 |
| Equity capital to assets | 12.1490% | 1,964 |
| Core capital (leverage) ratio | 12.0143% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5561% | 1,740 |
| Memoranda: |
| Average total assets | $240,489,000 | 2,554 |
| Average earning assets | $230,284,500 | 2,496 |
| Average equity | $31,267,000 | 2,386 |
| Average total loans | $181,217,500 | 2,345 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0901% | 4,063 |
| Cost of funding earning assets | 1.2519% | 883 |
| Net interest margin | 2.8383% | 4,725 |
| Noninterest income to average assets | 0.2903% | 3,953 |
| Noninterest expense to average assets | 6.6413% | 119 |
| Loan and lease loss provision to assets | 1.1016% | 82 |
| Net operating income to assets | -4.7915% | 5,162 |
| Return on assets (ROA) | -4.7915% | 5,162 |
| Pretax return on assets | -4.7915% | 5,162 |
| Return on Equity (ROE) | -21.0411% | 5,152 |
| Retained earnings to average equity (ytd only) | -21.0411% | 5,143 |
| Net charge-offs to loans | -0.0399% | 4,779 |
| Credit loss provision to net charge-offs | -4,585.7143% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 224.1163% | 19 |
| Assets per employee ($millions) | 5.0761% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0025% | 3,494 |
| Loan loss allowance to noncurrent loans | 183.7867% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 2,826 |
| Noncurrent loans to loans | 0.5455% | 2,535 |
| Net loans and leases to total assets | 71.4317% | 2,182 |
| Net loans and leases to deposits | 86.3863% | 2,040 |
| Net loans and leases to core deposits | 106.3894% | 1,087 |
| Total domestic deposits to total assets | 82.6887% | 3,310 |
| Equity capital to assets | 13.4390% | 1,305 |
| Core capital (leverage) ratio | 14.0550% | 916 |
| Tier 1 risk-based capital ratio | 17.3370% | 1,945 |
| Total risk-based capital ratio | 18.3282% | 1,966 |
| Memoranda: |
| Average total assets | $145,695,000 | 3,352 |
| Average earning assets | $136,597,200 | 3,331 |
| Average equity | $33,178,000 | 2,230 |
| Average total loans | $87,824,000 | 3,451 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0808% | 4,196 |
| Cost of funding earning assets | 0.8773% | 2,336 |
| Net interest margin | 3.2036% | 4,291 |
| Noninterest income to average assets | 0.2177% | 4,426 |
| Noninterest expense to average assets | 6.8074% | 117 |
| Loan and lease loss provision to assets | 0.9428% | 101 |
| Net operating income to assets | -4.5620% | 5,243 |
| Return on assets (ROA) | -4.5620% | 5,243 |
| Pretax return on assets | -4.5620% | 5,243 |
| Return on Equity (ROE) | -16.7874% | 5,222 |
| Retained earnings to average equity (ytd only) | -16.7874% | 5,194 |
| Net charge-offs to loans | -0.0572% | 4,864 |
| Credit loss provision to net charge-offs | -3,017.2414% | 4,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 212.6394% | 20 |
| Assets per employee ($millions) | 4.4331% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8633% | 4,188 |
| Loan loss allowance to noncurrent loans | 520.7650% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 4,248 |
| Noncurrent loans to loans | 0.1658% | 3,946 |
| Net loans and leases to total assets | 56.1047% | 4,041 |
| Net loans and leases to deposits | 68.3618% | 3,900 |
| Net loans and leases to core deposits | 80.0871% | 3,384 |
| Total domestic deposits to total assets | 82.0702% | 3,459 |
| Equity capital to assets | 17.4838% | 441 |
| Core capital (leverage) ratio | 20.4465% | 233 |
| Tier 1 risk-based capital ratio | 28.5014% | 543 |
| Total risk-based capital ratio | 29.3401% | 550 |
| Memoranda: |
| Average total assets | $123,743,750 | 3,680 |
| Average earning assets | $114,744,750 | 3,668 |
| Average equity | $33,627,500 | 2,223 |
| Average total loans | $67,659,500 | 3,866 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1901% | 3,950 |
| Cost of funding earning assets | 0.3494% | 4,678 |
| Net interest margin | 3.8407% | 2,432 |
| Noninterest income to average assets | 0.2021% | 4,540 |
| Noninterest expense to average assets | 8.4403% | 88 |
| Loan and lease loss provision to assets | 1.1303% | 83 |
| Net operating income to assets | -5.8496% | 5,293 |
| Return on assets (ROA) | -5.8496% | 5,293 |
| Pretax return on assets | -5.8496% | 5,293 |
| Return on Equity (ROE) | -17.4729% | 5,272 |
| Retained earnings to average equity (ytd only) | -17.4729% | 5,239 |
| Net charge-offs to loans | -0.0861% | 4,970 |
| Credit loss provision to net charge-offs | -2,456.5217% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 225.9140% | 16 |
| Assets per employee ($millions) | 2.8967% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8180% | 4,373 |
| Loan loss allowance to noncurrent loans | 376.9231% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 4,053 |
| Noncurrent loans to loans | 0.2170% | 3,763 |
| Net loans and leases to total assets | 65.0298% | 3,233 |
| Net loans and leases to deposits | 89.8904% | 1,752 |
| Net loans and leases to core deposits | 103.8134% | 1,399 |
| Total domestic deposits to total assets | 72.3435% | 4,955 |
| Equity capital to assets | 26.8676% | 101 |
| Core capital (leverage) ratio | 31.5677% | 65 |
| Tier 1 risk-based capital ratio | 36.4443% | 301 |
| Total risk-based capital ratio | 37.2176% | 306 |
| Memoranda: |
| Average total assets | $99,973,330 | 4,069 |
| Average earning assets | $91,597,000 | 4,084 |
| Average equity | $33,469,000 | 2,225 |
| Average total loans | $53,416,670 | 4,190 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2998% | 3,557 |
| Cost of funding earning assets | 0.2873% | 4,880 |
| Net interest margin | 4.0125% | 1,816 |
| Noninterest income to average assets | 0.1899% | 4,614 |
| Noninterest expense to average assets | 8.2537% | 84 |
| Loan and lease loss provision to assets | 0.7949% | 124 |
| Net operating income to assets | -5.1580% | 5,350 |
| Return on assets (ROA) | -5.1580% | 5,349 |
| Pretax return on assets | -5.1580% | 5,347 |
| Return on Equity (ROE) | -13.6413% | 5,312 |
| Retained earnings to average equity (ytd only) | -13.6413% | 5,187 |
| Net charge-offs to loans | -0.0777% | 4,962 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 211.2372% | 16 |
| Assets per employee ($millions) | 2.5651% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4879% | 5,093 |
| Loan loss allowance to noncurrent loans | 135.4286% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 3,918 |
| Noncurrent loans to loans | 0.3602% | 3,289 |
| Net loans and leases to total assets | 49.5932% | 4,496 |
| Net loans and leases to deposits | 76.7939% | 3,185 |
| Net loans and leases to core deposits | 78.1559% | 3,505 |
| Total domestic deposits to total assets | 64.5796% | 5,228 |
| Equity capital to assets | 34.5371% | 58 |
| Core capital (leverage) ratio | 35.0303% | 55 |
| Tier 1 risk-based capital ratio | 59.3801% | 92 |
| Total risk-based capital ratio | 59.8350% | 93 |
| Memoranda: |
| Average total assets | $90,578,000 | 4,255 |
| Average earning assets | $83,539,000 | 4,256 |
| Average equity | $34,249,000 | 2,176 |
| Average total loans | $41,190,500 | 4,508 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.3695% | 5,389 |
| Cost of funding earning assets | 0.1161% | 5,255 |
| Net interest margin | 1.2534% | 5,382 |
| Noninterest income to average assets | 0.0161% | 5,327 |
| Noninterest expense to average assets | 3.2297% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -2.0822% | 5,376 |
| Return on assets (ROA) | -2.0822% | 5,374 |
| Pretax return on assets | -2.0822% | 5,370 |
| Return on Equity (ROE) | -13.0384% | 5,364 |
| Retained earnings to average equity (ytd only) | -13.0384% | 5,346 |
| Net charge-offs to loans | -0.1482% | 5,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 281.4607% | 9 |
| Assets per employee ($millions) | 2.3909% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1450% | 5,335 |
| Loan loss allowance to noncurrent loans | 125.6410% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 4,618 |
| Noncurrent loans to loans | 0.1154% | 4,208 |
| Net loans and leases to total assets | 40.3365% | 4,933 |
| Net loans and leases to deposits | 71.0177% | 3,750 |
| Net loans and leases to core deposits | 72.6940% | 3,944 |
| Total domestic deposits to total assets | 56.7978% | 5,339 |
| Equity capital to assets | 41.6259% | 45 |
| Core capital (leverage) ratio | 40.9306% | 47 |
| Tier 1 risk-based capital ratio | 88.0091% | 48 |
| Total risk-based capital ratio | 88.1645% | 48 |
| Memoranda: |
| Average total assets | $62,049,400 | 4,717 |
| Average earning assets | $56,006,800 | 4,749 |
| Average equity | $9,909,200 | 4,313 |
| Average total loans | $38,464,200 | 4,602 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2759% | 3,055 |
| Cost of funding earning assets | 0.6286% | 2,281 |
| Net interest margin | 3.6472% | 3,204 |
| Noninterest income to average assets | 0.3578% | 3,739 |
| Noninterest expense to average assets | 5.4470% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -1.8525% | 5,444 |
| Return on assets (ROA) | -1.8525% | 5,441 |
| Pretax return on assets | -1.8525% | 5,439 |
| Return on Equity (ROE) | -28.5274% | 5,461 |
| Retained earnings to average equity (ytd only) | -28.5274% | 5,454 |
| Net charge-offs to loans | -0.0269% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.5390% | 23 |
| Assets per employee ($millions) | 5.6563% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0025% | 3,742 |
| Loan loss allowance to noncurrent loans | 21.2230% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 3.2766% | 201 |
| Noncurrent loans to loans | 4.7236% | 145 |
| Net loans and leases to total assets | 68.6703% | 2,843 |
| Net loans and leases to deposits | 73.8742% | 3,604 |
| Net loans and leases to core deposits | 76.0370% | 3,801 |
| Total domestic deposits to total assets | 92.9558% | 36 |
| Equity capital to assets | 6.4097% | 5,431 |
| Core capital (leverage) ratio | 6.2197% | 5,452 |
| Tier 1 risk-based capital ratio | 9.0476% | 5,454 |
| Total risk-based capital ratio | 10.0568% | 5,457 |
| Memoranda: |
| Average total assets | $56,641,500 | 4,873 |
| Average earning assets | $50,265,250 | 4,903 |
| Average equity | $3,678,250 | 5,278 |
| Average total loans | $39,629,500 | 4,606 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3009% | 2,756 |
| Cost of funding earning assets | 0.6254% | 2,073 |
| Net interest margin | 3.6755% | 3,023 |
| Noninterest income to average assets | 0.3518% | 3,811 |
| Noninterest expense to average assets | 5.2260% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -1.6020% | 5,499 |
| Return on assets (ROA) | -1.6020% | 5,492 |
| Pretax return on assets | -1.6020% | 5,490 |
| Return on Equity (ROE) | -24.5764% | 5,515 |
| Retained earnings to average equity (ytd only) | -24.5764% | 5,502 |
| Net charge-offs to loans | 0.0390% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -58.6250% | 3,201 |
| Efficiency ratio | 144.2036% | 37 |
| Assets per employee ($millions) | 5.0205% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9059% | 4,312 |
| Loan loss allowance to noncurrent loans | 20.7362% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.9516% | 254 |
| Noncurrent loans to loans | 4.3688% | 186 |
| Net loans and leases to total assets | 66.9479% | 3,019 |
| Net loans and leases to deposits | 72.1870% | 3,701 |
| Net loans and leases to core deposits | 74.1308% | 3,874 |
| Total domestic deposits to total assets | 92.7424% | 43 |
| Equity capital to assets | 6.4862% | 5,485 |
| Core capital (leverage) ratio | 6.3277% | 5,511 |
| Tier 1 risk-based capital ratio | 9.5355% | 5,492 |
| Total risk-based capital ratio | 10.4619% | 5,502 |
| Memoranda: |
| Average total assets | $58,553,000 | 4,897 |
| Average earning assets | $52,128,330 | 4,928 |
| Average equity | $3,816,670 | 5,329 |
| Average total loans | $41,068,670 | 4,609 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4007% | 2,195 |
| Cost of funding earning assets | 0.6191% | 1,920 |
| Net interest margin | 3.7816% | 2,497 |
| Noninterest income to average assets | 0.3521% | 3,789 |
| Noninterest expense to average assets | 5.2610% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.5411% | 5,555 |
| Return on assets (ROA) | -1.5411% | 5,554 |
| Pretax return on assets | -1.5411% | 5,552 |
| Return on Equity (ROE) | -23.5892% | 5,578 |
| Retained earnings to average equity (ytd only) | -23.5892% | 5,529 |
| Net charge-offs to loans | -0.1024% | 5,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.4286% | 39 |
| Assets per employee ($millions) | 4.8082% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8821% | 4,522 |
| Loan loss allowance to noncurrent loans | 54.3379% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 1,354 |
| Noncurrent loans to loans | 1.6233% | 1,071 |
| Net loans and leases to total assets | 69.5258% | 2,561 |
| Net loans and leases to deposits | 75.0178% | 3,316 |
| Net loans and leases to core deposits | 76.9459% | 3,583 |
| Total domestic deposits to total assets | 92.6791% | 55 |
| Equity capital to assets | 6.6172% | 5,535 |
| Core capital (leverage) ratio | 6.4108% | 5,560 |
| Tier 1 risk-based capital ratio | 9.5328% | 5,555 |
| Total risk-based capital ratio | 10.4492% | 5,567 |
| Memoranda: |
| Average total assets | $60,217,000 | 4,923 |
| Average earning assets | $53,628,000 | 4,960 |
| Average equity | $3,934,000 | 5,363 |
| Average total loans | $42,948,000 | 4,611 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0690% | 3,170 |
| Cost of funding earning assets | 0.9620% | 270 |
| Net interest margin | 3.1071% | 4,679 |
| Noninterest income to average assets | 0.3528% | 3,945 |
| Noninterest expense to average assets | 4.5534% | 304 |
| Loan and lease loss provision to assets | 0.7749% | 152 |
| Net operating income to assets | -2.1888% | 5,642 |
| Return on assets (ROA) | -2.1449% | 5,641 |
| Pretax return on assets | -2.1449% | 5,644 |
| Return on Equity (ROE) | -32.8816% | 5,656 |
| Retained earnings to average equity (ytd only) | -32.8816% | 5,646 |
| Net charge-offs to loans | 1.8246% | 79 |
| Credit loss provision to net charge-offs | 60.0000% | 3,212 |
| Earnings coverage of net charge-offs (x) | -1.0948% | 4,045 |
| Efficiency ratio | 145.0382% | 29 |
| Assets per employee ($millions) | 5.2198% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7617% | 4,927 |
| Loan loss allowance to noncurrent loans | 28.9298% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 617 |
| Noncurrent loans to loans | 2.6330% | 489 |
| Net loans and leases to total assets | 71.9659% | 2,244 |
| Net loans and leases to deposits | 77.3327% | 3,188 |
| Net loans and leases to core deposits | 78.8036% | 3,520 |
| Total domestic deposits to total assets | 93.0601% | 32 |
| Equity capital to assets | 6.3093% | 5,623 |
| Core capital (leverage) ratio | 6.1825% | 5,630 |
| Tier 1 risk-based capital ratio | 8.5723% | 5,645 |
| Total risk-based capital ratio | 9.3445% | 5,648 |
| Memoranda: |
| Average total assets | $75,108,000 | 4,691 |
| Average earning assets | $67,362,800 | 4,717 |
| Average equity | $4,899,400 | 5,288 |
| Average total loans | $53,161,000 | 4,384 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9026% | 3,670 |
| Cost of funding earning assets | 1.0197% | 180 |
| Net interest margin | 2.8829% | 5,110 |
| Noninterest income to average assets | 0.3511% | 4,022 |
| Noninterest expense to average assets | 4.4315% | 330 |
| Loan and lease loss provision to assets | 0.1398% | 1,521 |
| Net operating income to assets | -1.6277% | 5,700 |
| Return on assets (ROA) | -1.6277% | 5,700 |
| Pretax return on assets | -1.6277% | 5,699 |
| Return on Equity (ROE) | -24.7905% | 5,715 |
| Retained earnings to average equity (ytd only) | -24.7905% | 5,695 |
| Net charge-offs to loans | 0.9849% | 175 |
| Credit loss provision to net charge-offs | 20.1474% | 3,158 |
| Earnings coverage of net charge-offs (x) | -2.1450% | 3,737 |
| Efficiency ratio | 150.5501% | 23 |
| Assets per employee ($millions) | 5.5349% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7983% | 4,898 |
| Loan loss allowance to noncurrent loans | 10.2506% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 5.5772% | 82 |
| Noncurrent loans to loans | 7.7876% | 54 |
| Net loans and leases to total assets | 70.6368% | 2,467 |
| Net loans and leases to deposits | 89.5155% | 1,871 |
| Net loans and leases to core deposits | 92.1078% | 2,427 |
| Total domestic deposits to total assets | 78.9101% | 4,545 |
| Equity capital to assets | 6.5167% | 5,686 |
| Core capital (leverage) ratio | 6.1976% | 5,692 |
| Tier 1 risk-based capital ratio | 8.5514% | 5,710 |
| Total risk-based capital ratio | 9.3290% | 5,712 |
| Memoranda: |
| Average total assets | $78,225,500 | 4,668 |
| Average earning assets | $70,345,250 | 4,709 |
| Average equity | $5,136,250 | 5,307 |
| Average total loans | $55,095,250 | 4,361 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7525% | 4,065 |
| Cost of funding earning assets | 1.0093% | 168 |
| Net interest margin | 2.7432% | 5,314 |
| Noninterest income to average assets | 0.2938% | 4,441 |
| Noninterest expense to average assets | 4.3229% | 360 |
| Loan and lease loss provision to assets | 0.2042% | 892 |
| Net operating income to assets | -1.7630% | 5,757 |
| Return on assets (ROA) | -1.7630% | 5,756 |
| Pretax return on assets | -1.7630% | 5,753 |
| Return on Equity (ROE) | -26.7911% | 5,764 |
| Retained earnings to average equity (ytd only) | -26.7911% | 5,739 |
| Net charge-offs to loans | 1.5572% | 113 |
| Credit loss provision to net charge-offs | 18.6788% | 2,795 |
| Earnings coverage of net charge-offs (x) | -1.4260% | 3,437 |
| Efficiency ratio | 156.3964% | 21 |
| Assets per employee ($millions) | 5.9050% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7042% | 5,199 |
| Loan loss allowance to noncurrent loans | 10.2196% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 5.0231% | 101 |
| Noncurrent loans to loans | 6.8904% | 73 |
| Net loans and leases to total assets | 69.2516% | 2,626 |
| Net loans and leases to deposits | 86.5251% | 2,161 |
| Net loans and leases to core deposits | 88.8311% | 2,634 |
| Total domestic deposits to total assets | 80.0365% | 4,402 |
| Equity capital to assets | 6.4079% | 5,735 |
| Core capital (leverage) ratio | 6.1743% | 5,739 |
| Tier 1 risk-based capital ratio | 8.7640% | 5,755 |
| Total risk-based capital ratio | 9.4626% | 5,758 |
| Memoranda: |
| Average total assets | $80,316,000 | 4,659 |
| Average earning assets | $72,325,000 | 4,688 |
| Average equity | $5,285,330 | 5,317 |
| Average total loans | $56,382,000 | 4,345 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6238% | 4,355 |
| Cost of funding earning assets | 1.0069% | 159 |
| Net interest margin | 2.6169% | 5,458 |
| Noninterest income to average assets | 0.2826% | 4,526 |
| Noninterest expense to average assets | 4.2733% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.6226% | 5,804 |
| Return on assets (ROA) | -1.6226% | 5,804 |
| Pretax return on assets | -1.6226% | 5,800 |
| Return on Equity (ROE) | -24.3577% | 5,828 |
| Retained earnings to average equity (ytd only) | -24.3577% | 5,767 |
| Net charge-offs to loans | -0.9342% | 5,780 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.2132% | 28 |
| Assets per employee ($millions) | 5.6697% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5240% | 1,612 |
| Loan loss allowance to noncurrent loans | 18.4972% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 6.1291% | 79 |
| Noncurrent loans to loans | 8.2391% | 57 |
| Net loans and leases to total assets | 70.7418% | 2,256 |
| Net loans and leases to deposits | 88.1521% | 1,774 |
| Net loans and leases to core deposits | 90.0492% | 2,338 |
| Total domestic deposits to total assets | 80.2497% | 4,573 |
| Equity capital to assets | 6.6670% | 5,789 |
| Core capital (leverage) ratio | 6.1673% | 5,802 |
| Tier 1 risk-based capital ratio | 8.9543% | 5,808 |
| Total risk-based capital ratio | 10.2075% | 5,810 |
| Memoranda: |
| Average total assets | $82,091,500 | 4,672 |
| Average earning assets | $74,287,500 | 4,695 |
| Average equity | $5,468,500 | 5,328 |
| Average total loans | $57,804,000 | 4,355 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6994% | 4,207 |
| Cost of funding earning assets | 0.9704% | 206 |
| Net interest margin | 2.7290% | 5,387 |
| Noninterest income to average assets | 0.0835% | 5,686 |
| Noninterest expense to average assets | 3.7121% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -1.1163% | 5,841 |
| Return on assets (ROA) | -1.1104% | 5,842 |
| Pretax return on assets | -1.1104% | 5,838 |
| Return on Equity (ROE) | -16.5972% | 5,868 |
| Retained earnings to average equity (ytd only) | -16.5972% | 5,842 |
| Net charge-offs to loans | 0.1620% | 1,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -10.2432% | 4,241 |
| Efficiency ratio | 143.0030% | 42 |
| Assets per employee ($millions) | 5.6957% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1273% | 524 |
| Loan loss allowance to noncurrent loans | 26.5068% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 5.7809% | 93 |
| Noncurrent loans to loans | 8.0254% | 53 |
| Net loans and leases to total assets | 68.4454% | 2,706 |
| Net loans and leases to deposits | 85.0043% | 2,308 |
| Net loans and leases to core deposits | 86.7045% | 2,789 |
| Total domestic deposits to total assets | 80.5199% | 4,449 |
| Equity capital to assets | 7.3435% | 5,748 |
| Core capital (leverage) ratio | 6.8279% | 5,823 |
| Tier 1 risk-based capital ratio | 10.0795% | 5,719 |
| Total risk-based capital ratio | 11.3396% | 5,662 |
| Memoranda: |
| Average total assets | $101,856,200 | 4,322 |
| Average earning assets | $93,772,200 | 4,312 |
| Average equity | $6,814,400 | 5,133 |
| Average total loans | $68,499,000 | 4,083 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7262% | 4,160 |
| Cost of funding earning assets | 0.9598% | 216 |
| Net interest margin | 2.7663% | 5,413 |
| Noninterest income to average assets | 0.0302% | 5,882 |
| Noninterest expense to average assets | 3.6314% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -1.0482% | 5,909 |
| Return on assets (ROA) | -1.0406% | 5,909 |
| Pretax return on assets | -1.0406% | 5,902 |
| Return on Equity (ROE) | -15.8665% | 5,928 |
| Retained earnings to average equity (ytd only) | -15.8665% | 5,894 |
| Net charge-offs to loans | -0.2113% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.5748% | 46 |
| Assets per employee ($millions) | 6.1854% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2921% | 443 |
| Loan loss allowance to noncurrent loans | 30.7661% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 5.3890% | 120 |
| Noncurrent loans to loans | 7.4503% | 74 |
| Net loans and leases to total assets | 68.6401% | 2,703 |
| Net loans and leases to deposits | 84.0848% | 2,475 |
| Net loans and leases to core deposits | 85.9006% | 2,956 |
| Total domestic deposits to total assets | 81.6320% | 4,065 |
| Equity capital to assets | 7.1836% | 5,873 |
| Core capital (leverage) ratio | 6.6754% | 5,901 |
| Tier 1 risk-based capital ratio | 9.8660% | 5,821 |
| Total risk-based capital ratio | 11.1282% | 5,789 |
| Memoranda: |
| Average total assets | $105,961,250 | 4,280 |
| Average earning assets | $97,792,750 | 4,276 |
| Average equity | $6,949,500 | 5,149 |
| Average total loans | $70,686,750 | 4,059 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7961% | 3,967 |
| Cost of funding earning assets | 0.9466% | 223 |
| Net interest margin | 2.8495% | 5,349 |
| Noninterest income to average assets | 0.0616% | 5,883 |
| Noninterest expense to average assets | 3.4743% | 1,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.7775% | 5,960 |
| Return on assets (ROA) | -0.7775% | 5,963 |
| Pretax return on assets | -0.7775% | 5,955 |
| Return on Equity (ROE) | -12.1800% | 5,988 |
| Retained earnings to average equity (ytd only) | -12.1800% | 5,904 |
| Net charge-offs to loans | -0.1875% | 5,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.8306% | 69 |
| Assets per employee ($millions) | 6.4430% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0938% | 625 |
| Loan loss allowance to noncurrent loans | 31.5286% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 4.6999% | 162 |
| Noncurrent loans to loans | 6.6409% | 99 |
| Net loans and leases to total assets | 65.7720% | 3,111 |
| Net loans and leases to deposits | 79.0991% | 3,042 |
| Net loans and leases to core deposits | 80.6008% | 3,405 |
| Total domestic deposits to total assets | 83.1513% | 3,594 |
| Equity capital to assets | 6.8369% | 5,975 |
| Core capital (leverage) ratio | 6.2745% | 5,991 |
| Tier 1 risk-based capital ratio | 9.7593% | 5,905 |
| Total risk-based capital ratio | 11.0194% | 5,869 |
| Memoranda: |
| Average total assets | $110,354,670 | 4,220 |
| Average earning assets | $102,052,670 | 4,220 |
| Average equity | $7,044,330 | 5,184 |
| Average total loans | $72,522,670 | 4,027 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0143% | 3,175 |
| Cost of funding earning assets | 0.9249% | 258 |
| Net interest margin | 3.0894% | 4,893 |
| Noninterest income to average assets | 0.2070% | 5,254 |
| Noninterest expense to average assets | 3.4284% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3614% | 5,936 |
| Return on assets (ROA) | -0.3614% | 5,942 |
| Pretax return on assets | -0.3614% | 5,929 |
| Return on Equity (ROE) | -5.8502% | 5,984 |
| Retained earnings to average equity (ytd only) | -5.8502% | 5,645 |
| Net charge-offs to loans | -1.9850% | 6,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7849% | 145 |
| Assets per employee ($millions) | 7.0113% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4412% | 417 |
| Loan loss allowance to noncurrent loans | 101.7442% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 2.0253% | 848 |
| Noncurrent loans to loans | 2.3994% | 808 |
| Net loans and leases to total assets | 62.3427% | 3,482 |
| Net loans and leases to deposits | 74.1004% | 3,425 |
| Net loans and leases to core deposits | 75.3734% | 3,746 |
| Total domestic deposits to total assets | 84.1326% | 3,467 |
| Equity capital to assets | 6.5591% | 6,039 |
| Core capital (leverage) ratio | 6.3656% | 6,044 |
| Tier 1 risk-based capital ratio | 10.0160% | 5,910 |
| Total risk-based capital ratio | 11.2811% | 5,854 |
| Memoranda: |
| Average total assets | $113,988,000 | 4,182 |
| Average earning assets | $105,523,500 | 4,171 |
| Average equity | $7,042,500 | 5,223 |
| Average total loans | $74,157,500 | 4,019 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9108% | 3,666 |
| Cost of funding earning assets | 0.9675% | 202 |
| Net interest margin | 2.9433% | 5,266 |
| Noninterest income to average assets | 0.2121% | 5,322 |
| Noninterest expense to average assets | 3.9573% | 710 |
| Loan and lease loss provision to assets | 0.1148% | 2,083 |
| Net operating income to assets | -1.1560% | 6,109 |
| Return on assets (ROA) | -1.1369% | 6,109 |
| Pretax return on assets | -1.1369% | 6,107 |
| Return on Equity (ROE) | -19.4678% | 6,136 |
| Retained earnings to average equity (ytd only) | -19.4678% | 6,116 |
| Net charge-offs to loans | 0.6923% | 345 |
| Credit loss provision to net charge-offs | 25.2101% | 3,705 |
| Earnings coverage of net charge-offs (x) | -2.2857% | 4,362 |
| Efficiency ratio | 135.7049% | 55 |
| Assets per employee ($millions) | 6.8115% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8035% | 1,125 |
| Loan loss allowance to noncurrent loans | 29.9978% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 4.4552% | 218 |
| Noncurrent loans to loans | 6.0121% | 141 |
| Net loans and leases to total assets | 64.9824% | 3,126 |
| Net loans and leases to deposits | 76.2891% | 3,217 |
| Net loans and leases to core deposits | 77.5407% | 3,603 |
| Total domestic deposits to total assets | 85.1791% | 3,009 |
| Equity capital to assets | 5.8094% | 6,126 |
| Core capital (leverage) ratio | 6.0706% | 6,119 |
| Tier 1 risk-based capital ratio | 9.2888% | 6,074 |
| Total risk-based capital ratio | 10.5445% | 6,067 |
| Memoranda: |
| Average total assets | $130,618,800 | 3,879 |
| Average earning assets | $120,000,400 | 3,880 |
| Average equity | $7,628,000 | 5,125 |
| Average total loans | $85,948,600 | 3,672 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9361% | 3,600 |
| Cost of funding earning assets | 0.9624% | 210 |
| Net interest margin | 2.9737% | 5,262 |
| Noninterest income to average assets | 0.2412% | 5,201 |
| Noninterest expense to average assets | 4.0627% | 620 |
| Loan and lease loss provision to assets | 0.1489% | 1,464 |
| Net operating income to assets | -1.2437% | 6,204 |
| Return on assets (ROA) | -1.2189% | 6,203 |
| Pretax return on assets | -1.2189% | 6,201 |
| Return on Equity (ROE) | -20.8486% | 6,222 |
| Retained earnings to average equity (ytd only) | -20.8486% | 6,203 |
| Net charge-offs to loans | 0.4909% | 489 |
| Credit loss provision to net charge-offs | 46.1538% | 3,078 |
| Earnings coverage of net charge-offs (x) | -3.3939% | 4,108 |
| Efficiency ratio | 136.8896% | 57 |
| Assets per employee ($millions) | 7.1629% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0277% | 880 |
| Loan loss allowance to noncurrent loans | 31.5629% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 5.0546% | 194 |
| Noncurrent loans to loans | 6.4244% | 116 |
| Net loans and leases to total assets | 65.5490% | 3,082 |
| Net loans and leases to deposits | 76.8636% | 3,213 |
| Net loans and leases to core deposits | 78.2739% | 3,582 |
| Total domestic deposits to total assets | 85.2796% | 2,894 |
| Equity capital to assets | 5.9867% | 6,203 |
| Core capital (leverage) ratio | 6.0503% | 6,197 |
| Tier 1 risk-based capital ratio | 9.2226% | 6,176 |
| Total risk-based capital ratio | 10.4819% | 6,160 |
| Memoranda: |
| Average total assets | $134,324,500 | 3,857 |
| Average earning assets | $123,164,750 | 3,856 |
| Average equity | $7,853,250 | 5,153 |
| Average total loans | $88,278,500 | 3,656 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0012% | 3,280 |
| Cost of funding earning assets | 0.9542% | 213 |
| Net interest margin | 3.0469% | 5,100 |
| Noninterest income to average assets | 0.3523% | 4,444 |
| Noninterest expense to average assets | 3.6171% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4707% | 6,182 |
| Return on assets (ROA) | -0.4346% | 6,187 |
| Pretax return on assets | -0.4346% | 6,175 |
| Return on Equity (ROE) | -7.4866% | 6,228 |
| Retained earnings to average equity (ytd only) | -7.4866% | 6,112 |
| Net charge-offs to loans | 0.0596% | 2,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -12.0741% | 3,849 |
| Efficiency ratio | 114.9610% | 130 |
| Assets per employee ($millions) | 5.9447% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0514% | 911 |
| Loan loss allowance to noncurrent loans | 35.9210% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 4.3492% | 280 |
| Noncurrent loans to loans | 5.7109% | 174 |
| Net loans and leases to total assets | 65.7145% | 3,003 |
| Net loans and leases to deposits | 79.8788% | 2,805 |
| Net loans and leases to core deposits | 81.4875% | 3,239 |
| Total domestic deposits to total assets | 82.2677% | 4,203 |
| Equity capital to assets | 5.8830% | 6,275 |
| Core capital (leverage) ratio | 6.3275% | 6,255 |
| Tier 1 risk-based capital ratio | 9.3931% | 6,214 |
| Total risk-based capital ratio | 10.6522% | 6,195 |
| Memoranda: |
| Average total assets | $138,509,330 | 3,811 |
| Average earning assets | $127,013,000 | 3,821 |
| Average equity | $8,041,000 | 5,157 |
| Average total loans | $90,547,670 | 3,621 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7404% | 4,230 |
| Cost of funding earning assets | 0.9504% | 225 |
| Net interest margin | 2.7899% | 5,665 |
| Noninterest income to average assets | 0.4158% | 3,876 |
| Noninterest expense to average assets | 3.6075% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.6350% | 6,271 |
| Return on assets (ROA) | -0.5731% | 6,271 |
| Pretax return on assets | -0.5731% | 6,257 |
| Return on Equity (ROE) | -9.9337% | 6,317 |
| Retained earnings to average equity (ytd only) | -9.9337% | 6,134 |
| Net charge-offs to loans | 0.1001% | 1,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -9.8261% | 3,246 |
| Efficiency ratio | 121.3611% | 119 |
| Assets per employee ($millions) | 4.9944% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9818% | 1,115 |
| Loan loss allowance to noncurrent loans | 57.2108% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 3.4382% | 488 |
| Noncurrent loans to loans | 3.4640% | 556 |
| Net loans and leases to total assets | 63.8399% | 3,112 |
| Net loans and leases to deposits | 73.9246% | 3,326 |
| Net loans and leases to core deposits | 75.4044% | 3,649 |
| Total domestic deposits to total assets | 86.3582% | 2,734 |
| Equity capital to assets | 5.9181% | 6,339 |
| Core capital (leverage) ratio | 6.0495% | 6,326 |
| Tier 1 risk-based capital ratio | 8.9761% | 6,321 |
| Total risk-based capital ratio | 10.2398% | 6,309 |
| Memoranda: |
| Average total assets | $142,372,000 | 3,770 |
| Average earning assets | $130,468,500 | 3,767 |
| Average equity | $8,214,500 | 5,160 |
| Average total loans | $91,949,500 | 3,613 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0179% | 3,662 |
| Cost of funding earning assets | 0.9436% | 301 |
| Net interest margin | 3.0743% | 5,269 |
| Noninterest income to average assets | 0.1560% | 5,918 |
| Noninterest expense to average assets | 3.2837% | 1,967 |
| Loan and lease loss provision to assets | 0.6556% | 201 |
| Net operating income to assets | -0.9869% | 6,380 |
| Return on assets (ROA) | -0.9338% | 6,366 |
| Pretax return on assets | -0.9338% | 6,358 |
| Return on Equity (ROE) | -17.7034% | 6,426 |
| Retained earnings to average equity (ytd only) | -17.7034% | 6,402 |
| Net charge-offs to loans | 0.7183% | 513 |
| Credit loss provision to net charge-offs | 138.2895% | 1,713 |
| Earnings coverage of net charge-offs (x) | -0.6987% | 4,777 |
| Efficiency ratio | 111.2191% | 202 |
| Assets per employee ($millions) | 4.8301% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9683% | 1,166 |
| Loan loss allowance to noncurrent loans | 31.4512% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 5.1462% | 260 |
| Noncurrent loans to loans | 6.2584% | 175 |
| Net loans and leases to total assets | 62.7955% | 3,393 |
| Net loans and leases to deposits | 72.1346% | 3,668 |
| Net loans and leases to core deposits | 73.3706% | 3,982 |
| Total domestic deposits to total assets | 87.0533% | 2,251 |
| Equity capital to assets | 5.6266% | 6,433 |
| Core capital (leverage) ratio | 5.9149% | 6,410 |
| Tier 1 risk-based capital ratio | 9.1829% | 6,395 |
| Total risk-based capital ratio | 10.4415% | 6,373 |
| Memoranda: |
| Average total assets | $160,306,400 | 3,485 |
| Average earning assets | $145,821,600 | 3,508 |
| Average equity | $8,456,000 | 5,094 |
| Average total loans | $105,808,000 | 3,305 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0668% | 3,497 |
| Cost of funding earning assets | 0.9388% | 323 |
| Net interest margin | 3.1279% | 5,176 |
| Noninterest income to average assets | 0.4004% | 4,239 |
| Noninterest expense to average assets | 3.1668% | 2,275 |
| Loan and lease loss provision to assets | 0.1023% | 2,326 |
| Net operating income to assets | -0.0301% | 6,164 |
| Return on assets (ROA) | 0.0390% | 6,125 |
| Pretax return on assets | 0.0390% | 6,117 |
| Return on Equity (ROE) | 0.7501% | 6,067 |
| Retained earnings to average equity (ytd only) | 0.7501% | 5,577 |
| Net charge-offs to loans | 0.5367% | 715 |
| Credit loss provision to net charge-offs | 28.7016% | 3,472 |
| Earnings coverage of net charge-offs (x) | 0.2027% | 4,422 |
| Efficiency ratio | 97.7683% | 442 |
| Assets per employee ($millions) | 4.7986% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1980% | 4,235 |
| Loan loss allowance to noncurrent loans | 23.0581% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 5.1350% | 321 |
| Noncurrent loans to loans | 5.1958% | 330 |
| Net loans and leases to total assets | 65.6837% | 2,918 |
| Net loans and leases to deposits | 75.9014% | 3,192 |
| Net loans and leases to core deposits | 77.4488% | 3,589 |
| Total domestic deposits to total assets | 86.5383% | 2,568 |
| Equity capital to assets | 5.8820% | 6,488 |
| Core capital (leverage) ratio | 6.5375% | 6,433 |
| Tier 1 risk-based capital ratio | 9.7313% | 6,401 |
| Total risk-based capital ratio | 10.8904% | 6,389 |
| Memoranda: |
| Average total assets | $164,157,500 | 3,454 |
| Average earning assets | $148,976,500 | 3,487 |
| Average equity | $8,531,750 | 5,123 |
| Average total loans | $109,055,250 | 3,261 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1067% | 3,310 |
| Cost of funding earning assets | 0.9309% | 352 |
| Net interest margin | 3.1758% | 5,023 |
| Noninterest income to average assets | 0.4127% | 4,150 |
| Noninterest expense to average assets | 3.0890% | 2,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2004% | 5,837 |
| Return on assets (ROA) | 0.2147% | 5,852 |
| Pretax return on assets | 0.2147% | 5,925 |
| Return on Equity (ROE) | 4.3036% | 5,016 |
| Retained earnings to average equity (ytd only) | 4.3036% | 3,433 |
| Net charge-offs to loans | 0.3807% | 1,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.7925% | 3,970 |
| Efficiency ratio | 93.9086% | 645 |
| Assets per employee ($millions) | 5.2806% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2366% | 4,235 |
| Loan loss allowance to noncurrent loans | 42.0718% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 4.9945% | 361 |
| Noncurrent loans to loans | 2.9394% | 1,007 |
| Net loans and leases to total assets | 64.5938% | 2,985 |
| Net loans and leases to deposits | 73.4959% | 3,389 |
| Net loans and leases to core deposits | 74.7422% | 3,754 |
| Total domestic deposits to total assets | 87.8876% | 1,974 |
| Equity capital to assets | 5.6078% | 6,557 |
| Core capital (leverage) ratio | 6.3754% | 6,503 |
| Tier 1 risk-based capital ratio | 9.3842% | 6,505 |
| Total risk-based capital ratio | 10.5782% | 6,500 |
| Memoranda: |
| Average total assets | $167,692,000 | 3,411 |
| Average earning assets | $151,898,330 | 3,448 |
| Average equity | $8,365,000 | 5,182 |
| Average total loans | $111,379,330 | 3,211 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1761% | 2,960 |
| Cost of funding earning assets | 0.9164% | 411 |
| Net interest margin | 3.2596% | 4,705 |
| Noninterest income to average assets | 0.4597% | 3,715 |
| Noninterest expense to average assets | 3.1776% | 2,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2334% | 5,709 |
| Return on assets (ROA) | 0.2617% | 5,666 |
| Pretax return on assets | 0.2617% | 5,799 |
| Return on Equity (ROE) | 5.5796% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.5796% | 2,751 |
| Net charge-offs to loans | 0.1268% | 1,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 2,809 |
| Efficiency ratio | 93.1583% | 804 |
| Assets per employee ($millions) | 4.9319% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3369% | 3,918 |
| Loan loss allowance to noncurrent loans | 57.7367% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 4.6326% | 465 |
| Noncurrent loans to loans | 2.3155% | 1,532 |
| Net loans and leases to total assets | 66.0162% | 2,561 |
| Net loans and leases to deposits | 74.5948% | 2,996 |
| Net loans and leases to core deposits | 76.0889% | 3,402 |
| Total domestic deposits to total assets | 88.4997% | 1,936 |
| Equity capital to assets | 5.0232% | 6,632 |
| Core capital (leverage) ratio | 6.1920% | 6,562 |
| Tier 1 risk-based capital ratio | 9.0308% | 6,595 |
| Total risk-based capital ratio | 10.2813% | 6,590 |
| Memoranda: |
| Average total assets | $169,688,000 | 3,414 |
| Average earning assets | $153,638,000 | 3,444 |
| Average equity | $7,957,500 | 5,311 |
| Average total loans | $113,537,000 | 3,191 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3202% | 2,879 |
| Cost of funding earning assets | 0.9755% | 511 |
| Net interest margin | 3.3447% | 4,499 |
| Noninterest income to average assets | -0.1663% | 6,747 |
| Noninterest expense to average assets | 3.2824% | 2,190 |
| Loan and lease loss provision to assets | 0.6804% | 342 |
| Net operating income to assets | -1.1224% | 6,627 |
| Return on assets (ROA) | -1.0997% | 6,623 |
| Pretax return on assets | -1.0997% | 6,611 |
| Return on Equity (ROE) | -20.7881% | 6,690 |
| Retained earnings to average equity (ytd only) | -20.7881% | 6,675 |
| Net charge-offs to loans | 2.3396% | 132 |
| Credit loss provision to net charge-offs | 42.7757% | 3,981 |
| Earnings coverage of net charge-offs (x) | -0.2779% | 5,166 |
| Efficiency ratio | 115.5607% | 209 |
| Assets per employee ($millions) | 5.2028% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3371% | 3,950 |
| Loan loss allowance to noncurrent loans | 37.6286% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 5.5955% | 372 |
| Noncurrent loans to loans | 3.5534% | 870 |
| Net loans and leases to total assets | 66.0132% | 2,686 |
| Net loans and leases to deposits | 73.8573% | 3,280 |
| Net loans and leases to core deposits | 75.2840% | 3,698 |
| Total domestic deposits to total assets | 89.3793% | 1,393 |
| Equity capital to assets | 4.3636% | 6,730 |
| Core capital (leverage) ratio | 5.8227% | 6,665 |
| Tier 1 risk-based capital ratio | 8.5983% | 6,678 |
| Total risk-based capital ratio | 9.8492% | 6,677 |
| Memoranda: |
| Average total assets | $198,422,400 | 3,050 |
| Average earning assets | $178,370,200 | 3,093 |
| Average equity | $10,496,400 | 4,744 |
| Average total loans | $134,895,200 | 2,780 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3515% | 2,780 |
| Cost of funding earning assets | 0.9839% | 536 |
| Net interest margin | 3.3676% | 4,405 |
| Noninterest income to average assets | -0.0774% | 6,801 |
| Noninterest expense to average assets | 3.2087% | 2,342 |
| Loan and lease loss provision to assets | 0.7476% | 285 |
| Net operating income to assets | -1.0121% | 6,710 |
| Return on assets (ROA) | -0.9829% | 6,707 |
| Pretax return on assets | -0.9829% | 6,694 |
| Return on Equity (ROE) | -17.9235% | 6,761 |
| Retained earnings to average equity (ytd only) | -17.9235% | 6,743 |
| Net charge-offs to loans | 2.0185% | 184 |
| Credit loss provision to net charge-offs | 54.2965% | 3,410 |
| Earnings coverage of net charge-offs (x) | -0.1922% | 4,912 |
| Efficiency ratio | 108.9865% | 285 |
| Assets per employee ($millions) | 5.3341% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9366% | 1,895 |
| Loan loss allowance to noncurrent loans | 41.8547% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 6.8891% | 305 |
| Noncurrent loans to loans | 4.6269% | 690 |
| Net loans and leases to total assets | 66.2846% | 2,587 |
| Net loans and leases to deposits | 74.3653% | 3,183 |
| Net loans and leases to core deposits | 75.9649% | 3,620 |
| Total domestic deposits to total assets | 89.1337% | 1,492 |
| Equity capital to assets | 4.9741% | 6,772 |
| Core capital (leverage) ratio | 5.8406% | 6,732 |
| Tier 1 risk-based capital ratio | 8.7131% | 6,739 |
| Total risk-based capital ratio | 9.9707% | 6,740 |
| Memoranda: |
| Average total assets | $205,104,750 | 2,989 |
| Average earning assets | $184,023,500 | 3,053 |
| Average equity | $11,247,500 | 4,635 |
| Average total loans | $139,900,000 | 2,712 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3608% | 2,712 |
| Cost of funding earning assets | 1.0050% | 532 |
| Net interest margin | 3.3559% | 4,357 |
| Noninterest income to average assets | -0.0836% | 6,845 |
| Noninterest expense to average assets | 3.1349% | 2,566 |
| Loan and lease loss provision to assets | 0.3286% | 1,051 |
| Net operating income to assets | -0.5436% | 6,652 |
| Return on assets (ROA) | -0.5014% | 6,650 |
| Pretax return on assets | -0.5014% | 6,628 |
| Return on Equity (ROE) | -8.9077% | 6,721 |
| Retained earnings to average equity (ytd only) | -8.9077% | 6,637 |
| Net charge-offs to loans | 1.4938% | 354 |
| Credit loss provision to net charge-offs | 32.1691% | 3,551 |
| Earnings coverage of net charge-offs (x) | -0.2105% | 4,620 |
| Efficiency ratio | 107.3633% | 321 |
| Assets per employee ($millions) | 5.4333% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8784% | 2,175 |
| Loan loss allowance to noncurrent loans | 27.1250% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 8.9116% | 191 |
| Noncurrent loans to loans | 6.9248% | 354 |
| Net loans and leases to total assets | 69.5447% | 1,959 |
| Net loans and leases to deposits | 77.9066% | 2,584 |
| Net loans and leases to core deposits | 79.6963% | 3,062 |
| Total domestic deposits to total assets | 89.2668% | 1,470 |
| Equity capital to assets | 5.3774% | 6,800 |
| Core capital (leverage) ratio | 5.8092% | 6,767 |
| Tier 1 risk-based capital ratio | 8.4097% | 6,792 |
| Total risk-based capital ratio | 9.6670% | 6,793 |
| Memoranda: |
| Average total assets | $213,020,000 | 2,927 |
| Average earning assets | $190,651,670 | 2,981 |
| Average equity | $11,989,670 | 4,542 |
| Average total loans | $145,671,000 | 2,635 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2827% | 2,962 |
| Cost of funding earning assets | 1.0227% | 542 |
| Net interest margin | 3.2601% | 4,680 |
| Noninterest income to average assets | 0.3193% | 5,138 |
| Noninterest expense to average assets | 3.0289% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2002% | 5,893 |
| Return on assets (ROA) | 0.2002% | 6,000 |
| Pretax return on assets | 0.2002% | 6,077 |
| Return on Equity (ROE) | 3.4891% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.4891% | 4,155 |
| Net charge-offs to loans | 1.3593% | 406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.2189% | 3,745 |
| Efficiency ratio | 93.7989% | 848 |
| Assets per employee ($millions) | 5.9309% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9440% | 2,187 |
| Loan loss allowance to noncurrent loans | 26.5972% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 9.9269% | 196 |
| Noncurrent loans to loans | 7.3091% | 387 |
| Net loans and leases to total assets | 66.9736% | 2,204 |
| Net loans and leases to deposits | 75.1562% | 2,750 |
| Net loans and leases to core deposits | 78.0218% | 3,060 |
| Total domestic deposits to total assets | 89.1125% | 1,619 |
| Equity capital to assets | 5.9833% | 6,829 |
| Core capital (leverage) ratio | 5.7381% | 6,829 |
| Tier 1 risk-based capital ratio | 8.2433% | 6,852 |
| Total risk-based capital ratio | 9.5009% | 6,853 |
| Memoranda: |
| Average total assets | $221,731,000 | 2,853 |
| Average earning assets | $197,910,500 | 2,920 |
| Average equity | $12,725,500 | 4,429 |
| Average total loans | $149,190,500 | 2,592 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8027% | 2,180 |
| Cost of funding earning assets | 1.2915% | 388 |
| Net interest margin | 3.5112% | 4,453 |
| Noninterest income to average assets | -0.2737% | 6,983 |
| Noninterest expense to average assets | 3.3524% | 2,184 |
| Loan and lease loss provision to assets | 0.4498% | 1,402 |
| Net operating income to assets | -0.9165% | 6,718 |
| Return on assets (ROA) | -0.6560% | 6,663 |
| Pretax return on assets | -0.6560% | 6,638 |
| Return on Equity (ROE) | -12.9371% | 6,790 |
| Retained earnings to average equity (ytd only) | -12.9371% | 6,728 |
| Net charge-offs to loans | 2.9673% | 175 |
| Credit loss provision to net charge-offs | 21.3828% | 5,269 |
| Earnings coverage of net charge-offs (x) | -0.2218% | 5,581 |
| Efficiency ratio | 116.1730% | 246 |
| Assets per employee ($millions) | 6.2149% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1908% | 1,572 |
| Loan loss allowance to noncurrent loans | 29.4216% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 9.5668% | 235 |
| Noncurrent loans to loans | 7.4461% | 410 |
| Net loans and leases to total assets | 64.8869% | 2,743 |
| Net loans and leases to deposits | 72.2686% | 3,365 |
| Net loans and leases to core deposits | 74.9601% | 3,663 |
| Total domestic deposits to total assets | 89.7856% | 1,077 |
| Equity capital to assets | 5.5125% | 6,922 |
| Core capital (leverage) ratio | 5.2084% | 6,921 |
| Tier 1 risk-based capital ratio | 7.8592% | 6,919 |
| Total risk-based capital ratio | 9.1212% | 6,922 |
| Memoranda: |
| Average total assets | $266,763,200 | 2,376 |
| Average earning assets | $240,032,000 | 2,410 |
| Average equity | $13,527,000 | 4,252 |
| Average total loans | $189,128,000 | 2,103 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8361% | 2,256 |
| Cost of funding earning assets | 1.3422% | 368 |
| Net interest margin | 3.4939% | 4,671 |
| Noninterest income to average assets | -0.2111% | 7,075 |
| Noninterest expense to average assets | 3.3912% | 2,024 |
| Loan and lease loss provision to assets | 0.5315% | 1,118 |
| Net operating income to assets | -0.9871% | 6,857 |
| Return on assets (ROA) | -0.7590% | 6,822 |
| Pretax return on assets | -0.7590% | 6,795 |
| Return on Equity (ROE) | -15.2449% | 6,937 |
| Retained earnings to average equity (ytd only) | -15.2449% | 6,912 |
| Net charge-offs to loans | 2.7571% | 211 |
| Credit loss provision to net charge-offs | 26.8293% | 4,850 |
| Earnings coverage of net charge-offs (x) | -0.2300% | 5,421 |
| Efficiency ratio | 115.5201% | 232 |
| Assets per employee ($millions) | 6.2050% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7504% | 935 |
| Loan loss allowance to noncurrent loans | 36.0070% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 10.3728% | 224 |
| Noncurrent loans to loans | 7.6386% | 434 |
| Net loans and leases to total assets | 67.7246% | 2,334 |
| Net loans and leases to deposits | 75.0694% | 3,133 |
| Net loans and leases to core deposits | 77.9744% | 3,464 |
| Total domestic deposits to total assets | 90.2159% | 718 |
| Equity capital to assets | 5.3594% | 7,030 |
| Core capital (leverage) ratio | 4.8735% | 7,036 |
| Tier 1 risk-based capital ratio | 7.1874% | 7,039 |
| Total risk-based capital ratio | 8.4563% | 7,038 |
| Memoranda: |
| Average total assets | $275,966,250 | 2,323 |
| Average earning assets | $248,540,500 | 2,363 |
| Average equity | $13,739,750 | 4,255 |
| Average total loans | $198,272,500 | 2,041 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7663% | 2,656 |
| Cost of funding earning assets | 1.3979% | 351 |
| Net interest margin | 3.3684% | 5,207 |
| Noninterest income to average assets | -0.4298% | 7,183 |
| Noninterest expense to average assets | 3.4913% | 1,804 |
| Loan and lease loss provision to assets | 0.7012% | 784 |
| Net operating income to assets | -1.5826% | 7,029 |
| Return on assets (ROA) | -1.3540% | 7,008 |
| Pretax return on assets | -1.3540% | 6,984 |
| Return on Equity (ROE) | -27.8128% | 7,086 |
| Retained earnings to average equity (ytd only) | -27.8128% | 7,075 |
| Net charge-offs to loans | 2.4561% | 294 |
| Credit loss provision to net charge-offs | 39.3856% | 4,275 |
| Earnings coverage of net charge-offs (x) | -0.4951% | 5,236 |
| Efficiency ratio | 133.7722% | 147 |
| Assets per employee ($millions) | 6.3811% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2279% | 626 |
| Loan loss allowance to noncurrent loans | 36.4495% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 10.0584% | 261 |
| Noncurrent loans to loans | 8.8557% | 355 |
| Net loans and leases to total assets | 67.9068% | 2,300 |
| Net loans and leases to deposits | 74.4829% | 3,213 |
| Net loans and leases to core deposits | 77.5824% | 3,578 |
| Total domestic deposits to total assets | 91.1709% | 396 |
| Equity capital to assets | 4.7604% | 7,106 |
| Core capital (leverage) ratio | 4.4357% | 7,104 |
| Tier 1 risk-based capital ratio | 6.5112% | 7,115 |
| Total risk-based capital ratio | 7.7876% | 7,116 |
| Memoranda: |
| Average total assets | $285,222,330 | 2,267 |
| Average earning assets | $257,390,000 | 2,285 |
| Average equity | $13,885,670 | 4,217 |
| Average total loans | $206,748,330 | 1,967 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8643% | 2,377 |
| Cost of funding earning assets | 1.4962% | 294 |
| Net interest margin | 3.3681% | 5,243 |
| Noninterest income to average assets | -0.4528% | 7,243 |
| Noninterest expense to average assets | 3.8508% | 1,133 |
| Loan and lease loss provision to assets | 0.6881% | 769 |
| Net operating income to assets | -1.9557% | 7,149 |
| Return on assets (ROA) | -1.5070% | 7,100 |
| Pretax return on assets | -1.5070% | 7,079 |
| Return on Equity (ROE) | -30.6347% | 7,166 |
| Retained earnings to average equity (ytd only) | -30.6347% | 7,136 |
| Net charge-offs to loans | 3.2527% | 212 |
| Credit loss provision to net charge-offs | 28.7522% | 3,643 |
| Earnings coverage of net charge-offs (x) | -0.5296% | 4,507 |
| Efficiency ratio | 149.0677% | 109 |
| Assets per employee ($millions) | 6.5257% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1443% | 719 |
| Loan loss allowance to noncurrent loans | 32.4776% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 11.2695% | 234 |
| Noncurrent loans to loans | 9.6813% | 326 |
| Net loans and leases to total assets | 71.5195% | 1,479 |
| Net loans and leases to deposits | 78.5029% | 2,418 |
| Net loans and leases to core deposits | 81.8911% | 2,851 |
| Total domestic deposits to total assets | 91.1043% | 509 |
| Equity capital to assets | 4.9197% | 7,145 |
| Core capital (leverage) ratio | 4.4986% | 7,151 |
| Tier 1 risk-based capital ratio | 6.4627% | 7,160 |
| Total risk-based capital ratio | 7.7375% | 7,161 |
| Memoranda: |
| Average total assets | $290,639,500 | 2,238 |
| Average earning assets | $261,990,500 | 2,266 |
| Average equity | $14,297,500 | 4,135 |
| Average total loans | $213,851,000 | 1,917 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9794% | 2,971 |
| Cost of funding earning assets | 1.7404% | 274 |
| Net interest margin | 3.2390% | 5,983 |
| Noninterest income to average assets | -1.4848% | 7,340 |
| Noninterest expense to average assets | 3.1613% | 2,995 |
| Loan and lease loss provision to assets | 1.8922% | 333 |
| Net operating income to assets | -3.6923% | 7,236 |
| Return on assets (ROA) | -3.6051% | 7,232 |
| Pretax return on assets | -3.6051% | 7,240 |
| Return on Equity (ROE) | -51.5071% | 7,208 |
| Retained earnings to average equity (ytd only) | -51.5071% | 7,205 |
| Net charge-offs to loans | 2.6842% | 406 |
| Credit loss provision to net charge-offs | 97.3943% | 3,699 |
| Earnings coverage of net charge-offs (x) | -0.9265% | 6,183 |
| Efficiency ratio | 232.2378% | 41 |
| Assets per employee ($millions) | 6.9924% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5166% | 525 |
| Loan loss allowance to noncurrent loans | 36.2794% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 11.2421% | 254 |
| Noncurrent loans to loans | 9.6930% | 341 |
| Net loans and leases to total assets | 70.7563% | 1,875 |
| Net loans and leases to deposits | 83.5208% | 1,981 |
| Net loans and leases to core deposits | 86.4497% | 2,578 |
| Total domestic deposits to total assets | 84.7170% | 3,996 |
| Equity capital to assets | 4.9190% | 7,174 |
| Core capital (leverage) ratio | 4.4616% | 7,178 |
| Tier 1 risk-based capital ratio | 6.3608% | 7,188 |
| Total risk-based capital ratio | 7.6402% | 7,185 |
| Memoranda: |
| Average total assets | $339,765,000 | 1,900 |
| Average earning assets | $298,552,600 | 1,961 |
| Average equity | $23,781,200 | 2,691 |
| Average total loans | $245,918,000 | 1,702 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0195% | 2,996 |
| Cost of funding earning assets | 1.7621% | 301 |
| Net interest margin | 3.2575% | 5,993 |
| Noninterest income to average assets | -0.6843% | 7,378 |
| Noninterest expense to average assets | 3.1622% | 2,956 |
| Loan and lease loss provision to assets | 1.9946% | 278 |
| Net operating income to assets | -2.8316% | 7,250 |
| Return on assets (ROA) | -2.7243% | 7,256 |
| Pretax return on assets | -2.8814% | 7,259 |
| Return on Equity (ROE) | -36.5839% | 7,236 |
| Retained earnings to average equity (ytd only) | -36.5839% | 7,229 |
| Net charge-offs to loans | 2.6241% | 405 |
| Credit loss provision to net charge-offs | 105.3172% | 3,155 |
| Earnings coverage of net charge-offs (x) | -0.5279% | 5,841 |
| Efficiency ratio | 146.2339% | 153 |
| Assets per employee ($millions) | 7.5120% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4603% | 588 |
| Loan loss allowance to noncurrent loans | 37.0036% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 12.3802% | 211 |
| Noncurrent loans to loans | 9.3513% | 404 |
| Net loans and leases to total assets | 72.4219% | 1,623 |
| Net loans and leases to deposits | 86.2863% | 1,649 |
| Net loans and leases to core deposits | 91.9582% | 1,998 |
| Total domestic deposits to total assets | 83.9321% | 4,262 |
| Equity capital to assets | 6.1955% | 7,168 |
| Core capital (leverage) ratio | 5.7866% | 7,157 |
| Tier 1 risk-based capital ratio | 7.9527% | 7,197 |
| Total risk-based capital ratio | 9.2307% | 7,197 |
| Memoranda: |
| Average total assets | $349,538,000 | 1,860 |
| Average earning assets | $305,465,250 | 1,934 |
| Average equity | $26,029,000 | 2,478 |
| Average total loans | $252,272,750 | 1,673 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9867% | 3,220 |
| Cost of funding earning assets | 1.7759% | 348 |
| Net interest margin | 3.2108% | 6,124 |
| Noninterest income to average assets | -0.7737% | 7,458 |
| Noninterest expense to average assets | 3.2454% | 2,741 |
| Loan and lease loss provision to assets | 2.0666% | 293 |
| Net operating income to assets | -3.2941% | 7,338 |
| Return on assets (ROA) | -3.2193% | 7,337 |
| Pretax return on assets | -3.2193% | 7,330 |
| Return on Equity (ROE) | -41.2137% | 7,314 |
| Retained earnings to average equity (ytd only) | -41.2137% | 7,309 |
| Net charge-offs to loans | 3.0676% | 329 |
| Credit loss provision to net charge-offs | 94.4290% | 3,325 |
| Earnings coverage of net charge-offs (x) | -0.5609% | 5,542 |
| Efficiency ratio | 160.8349% | 119 |
| Assets per employee ($millions) | 7.0702% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1205% | 810 |
| Loan loss allowance to noncurrent loans | 25.5123% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 13.9759% | 173 |
| Noncurrent loans to loans | 12.2315% | 239 |
| Net loans and leases to total assets | 71.9947% | 1,784 |
| Net loans and leases to deposits | 89.5835% | 1,322 |
| Net loans and leases to core deposits | 96.1950% | 1,666 |
| Total domestic deposits to total assets | 80.3660% | 5,722 |
| Equity capital to assets | 6.1851% | 7,222 |
| Core capital (leverage) ratio | 5.8225% | 7,221 |
| Tier 1 risk-based capital ratio | 8.1705% | 7,237 |
| Total risk-based capital ratio | 9.4442% | 7,239 |
| Memoranda: |
| Average total assets | $360,882,670 | 1,820 |
| Average earning assets | $313,755,330 | 1,893 |
| Average equity | $28,189,670 | 2,299 |
| Average total loans | $257,469,000 | 1,667 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9147% | 3,515 |
| Cost of funding earning assets | 1.7733% | 414 |
| Net interest margin | 3.1414% | 6,241 |
| Noninterest income to average assets | 0.2132% | 6,207 |
| Noninterest expense to average assets | 3.2337% | 2,759 |
| Loan and lease loss provision to assets | 1.1195% | 646 |
| Net operating income to assets | -0.9007% | 7,011 |
| Return on assets (ROA) | -0.5533% | 6,842 |
| Pretax return on assets | -0.8775% | 6,952 |
| Return on Equity (ROE) | -6.4859% | 6,895 |
| Retained earnings to average equity (ytd only) | -6.4859% | 6,637 |
| Net charge-offs to loans | 1.3626% | 1,015 |
| Credit loss provision to net charge-offs | 117.3184% | 2,308 |
| Earnings coverage of net charge-offs (x) | -0.3151% | 4,735 |
| Efficiency ratio | 110.2508% | 498 |
| Assets per employee ($millions) | 7.3079% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1540% | 800 |
| Loan loss allowance to noncurrent loans | 32.5086% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 11.8792% | 279 |
| Noncurrent loans to loans | 9.7020% | 427 |
| Net loans and leases to total assets | 67.9082% | 2,568 |
| Net loans and leases to deposits | 83.7852% | 2,066 |
| Net loans and leases to core deposits | 92.8412% | 2,028 |
| Total domestic deposits to total assets | 81.0504% | 5,639 |
| Equity capital to assets | 8.6506% | 5,715 |
| Core capital (leverage) ratio | 6.8863% | 7,051 |
| Tier 1 risk-based capital ratio | 9.2415% | 7,193 |
| Total risk-based capital ratio | 10.5145% | 7,192 |
| Memoranda: |
| Average total assets | $375,173,500 | 1,749 |
| Average earning assets | $324,824,000 | 1,848 |
| Average equity | $32,008,000 | 2,048 |
| Average total loans | $262,731,000 | 1,657 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1396% | 3,909 |
| Cost of funding earning assets | 2.0266% | 551 |
| Net interest margin | 3.1129% | 6,489 |
| Noninterest income to average assets | 0.1387% | 6,699 |
| Noninterest expense to average assets | 2.5129% | 5,743 |
| Loan and lease loss provision to assets | 2.4258% | 472 |
| Net operating income to assets | -1.2493% | 6,806 |
| Return on assets (ROA) | -1.2176% | 6,816 |
| Pretax return on assets | -1.8851% | 6,984 |
| Return on Equity (ROE) | -13.9921% | 6,883 |
| Retained earnings to average equity (ytd only) | -13.9921% | 6,841 |
| Net charge-offs to loans | 3.8743% | 340 |
| Credit loss provision to net charge-offs | 83.5227% | 5,406 |
| Earnings coverage of net charge-offs (x) | 0.1694% | 5,941 |
| Efficiency ratio | 83.6278% | 1,965 |
| Assets per employee ($millions) | 6.7535% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9438% | 911 |
| Loan loss allowance to noncurrent loans | 32.0579% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 11.3264% | 321 |
| Noncurrent loans to loans | 9.1826% | 497 |
| Net loans and leases to total assets | 67.8842% | 3,009 |
| Net loans and leases to deposits | 85.4233% | 2,203 |
| Net loans and leases to core deposits | 94.8155% | 2,157 |
| Total domestic deposits to total assets | 79.4680% | 5,978 |
| Equity capital to assets | 8.4185% | 5,970 |
| Core capital (leverage) ratio | 6.6767% | 7,148 |
| Tier 1 risk-based capital ratio | 9.1577% | 7,210 |
| Total risk-based capital ratio | 10.4276% | 7,211 |
| Memoranda: |
| Average total assets | $418,126,000 | 1,588 |
| Average earning assets | $384,973,600 | 1,571 |
| Average equity | $36,384,800 | 1,818 |
| Average total loans | $313,452,400 | 1,432 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1373% | 4,134 |
| Cost of funding earning assets | 2.0598% | 611 |
| Net interest margin | 3.0775% | 6,663 |
| Noninterest income to average assets | 0.2286% | 6,265 |
| Noninterest expense to average assets | 2.3735% | 6,103 |
| Loan and lease loss provision to assets | 1.5634% | 840 |
| Net operating income to assets | -0.5200% | 6,609 |
| Return on assets (ROA) | -0.4778% | 6,619 |
| Pretax return on assets | -0.7632% | 6,716 |
| Return on Equity (ROE) | -5.4503% | 6,681 |
| Retained earnings to average equity (ytd only) | -5.4503% | 6,592 |
| Net charge-offs to loans | 1.9500% | 977 |
| Credit loss provision to net charge-offs | 105.3519% | 4,064 |
| Earnings coverage of net charge-offs (x) | 0.4947% | 5,530 |
| Efficiency ratio | 76.3759% | 2,876 |
| Assets per employee ($millions) | 7.0173% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3375% | 612 |
| Loan loss allowance to noncurrent loans | 27.6432% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 10.9704% | 331 |
| Noncurrent loans to loans | 12.0736% | 284 |
| Net loans and leases to total assets | 73.7186% | 1,856 |
| Net loans and leases to deposits | 93.1981% | 1,302 |
| Net loans and leases to core deposits | 103.9036% | 1,491 |
| Total domestic deposits to total assets | 79.0988% | 6,000 |
| Equity capital to assets | 9.0896% | 5,460 |
| Core capital (leverage) ratio | 7.8900% | 6,477 |
| Tier 1 risk-based capital ratio | 10.8107% | 6,537 |
| Total risk-based capital ratio | 12.0882% | 6,492 |
| Memoranda: |
| Average total assets | $426,419,750 | 1,585 |
| Average earning assets | $398,927,750 | 1,542 |
| Average equity | $37,379,250 | 1,784 |
| Average total loans | $324,503,750 | 1,395 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1532% | 4,177 |
| Cost of funding earning assets | 2.1241% | 607 |
| Net interest margin | 3.0291% | 6,774 |
| Noninterest income to average assets | 0.1199% | 7,004 |
| Noninterest expense to average assets | 2.1873% | 6,679 |
| Loan and lease loss provision to assets | 0.5055% | 2,775 |
| Net operating income to assets | 0.1994% | 5,565 |
| Return on assets (ROA) | 0.2550% | 5,495 |
| Pretax return on assets | 0.3506% | 5,368 |
| Return on Equity (ROE) | 2.9427% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.9427% | 4,257 |
| Net charge-offs to loans | 1.4671% | 1,302 |
| Credit loss provision to net charge-offs | 45.3048% | 5,518 |
| Earnings coverage of net charge-offs (x) | 0.6989% | 5,045 |
| Efficiency ratio | 73.7184% | 3,526 |
| Assets per employee ($millions) | 7.0027% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6857% | 1,109 |
| Loan loss allowance to noncurrent loans | 22.0634% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 9.9530% | 410 |
| Noncurrent loans to loans | 12.1725% | 278 |
| Net loans and leases to total assets | 75.4142% | 1,608 |
| Net loans and leases to deposits | 98.0080% | 875 |
| Net loans and leases to core deposits | 108.1852% | 1,288 |
| Total domestic deposits to total assets | 76.9471% | 6,515 |
| Equity capital to assets | 9.2124% | 5,127 |
| Core capital (leverage) ratio | 8.1441% | 6,042 |
| Tier 1 risk-based capital ratio | 11.1620% | 6,082 |
| Total risk-based capital ratio | 12.4310% | 6,054 |
| Memoranda: |
| Average total assets | $435,231,000 | 1,564 |
| Average earning assets | $409,105,000 | 1,513 |
| Average equity | $37,720,000 | 1,763 |
| Average total loans | $330,990,000 | 1,375 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1689% | 4,202 |
| Cost of funding earning assets | 2.1593% | 668 |
| Net interest margin | 3.0096% | 6,810 |
| Noninterest income to average assets | 0.1111% | 7,136 |
| Noninterest expense to average assets | 2.0212% | 7,123 |
| Loan and lease loss provision to assets | 0.4482% | 2,725 |
| Net operating income to assets | 0.3517% | 5,072 |
| Return on assets (ROA) | 0.3451% | 5,229 |
| Pretax return on assets | 0.4688% | 5,060 |
| Return on Equity (ROE) | 4.1013% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.1013% | 3,693 |
| Net charge-offs to loans | 0.4126% | 2,809 |
| Credit loss provision to net charge-offs | 144.0922% | 2,470 |
| Earnings coverage of net charge-offs (x) | 2.9769% | 3,065 |
| Efficiency ratio | 68.5827% | 4,610 |
| Assets per employee ($millions) | 7.4683% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0236% | 802 |
| Loan loss allowance to noncurrent loans | 25.9546% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 9.0191% | 497 |
| Noncurrent loans to loans | 11.6495% | 310 |
| Net loans and leases to total assets | 72.1494% | 2,415 |
| Net loans and leases to deposits | 93.2974% | 1,434 |
| Net loans and leases to core deposits | 101.8197% | 1,928 |
| Total domestic deposits to total assets | 77.3327% | 6,483 |
| Equity capital to assets | 8.3942% | 6,162 |
| Core capital (leverage) ratio | 8.0216% | 6,205 |
| Tier 1 risk-based capital ratio | 10.7345% | 6,404 |
| Total risk-based capital ratio | 12.0068% | 6,371 |
| Memoranda: |
| Average total assets | $446,265,500 | 1,568 |
| Average earning assets | $420,514,500 | 1,517 |
| Average equity | $37,549,000 | 1,791 |
| Average total loans | $336,394,000 | 1,390 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4621% | 4,374 |
| Cost of funding earning assets | 2.8369% | 397 |
| Net interest margin | 2.6251% | 7,309 |
| Noninterest income to average assets | 0.1211% | 7,151 |
| Noninterest expense to average assets | 1.9834% | 7,389 |
| Loan and lease loss provision to assets | 1.7801% | 1,275 |
| Net operating income to assets | -0.7070% | 6,372 |
| Return on assets (ROA) | -0.6067% | 6,273 |
| Pretax return on assets | -0.9844% | 6,400 |
| Return on Equity (ROE) | -7.6665% | 6,439 |
| Retained earnings to average equity (ytd only) | -7.6665% | 6,305 |
| Net charge-offs to loans | 1.3028% | 1,906 |
| Credit loss provision to net charge-offs | 179.6725% | 2,317 |
| Earnings coverage of net charge-offs (x) | 0.6449% | 5,450 |
| Efficiency ratio | 75.6346% | 3,588 |
| Assets per employee ($millions) | 7.1683% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9248% | 828 |
| Loan loss allowance to noncurrent loans | 29.2582% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 7.9904% | 564 |
| Noncurrent loans to loans | 9.9965% | 413 |
| Net loans and leases to total assets | 74.1351% | 2,242 |
| Net loans and leases to deposits | 95.3732% | 1,405 |
| Net loans and leases to core deposits | 126.4567% | 1,477 |
| Total domestic deposits to total assets | 77.7316% | 6,291 |
| Equity capital to assets | 8.4341% | 6,003 |
| Core capital (leverage) ratio | 7.6263% | 6,647 |
| Tier 1 risk-based capital ratio | 10.5906% | 6,306 |
| Total risk-based capital ratio | 11.8619% | 6,265 |
| Memoranda: |
| Average total assets | $474,694,000 | 1,466 |
| Average earning assets | $452,283,800 | 1,395 |
| Average equity | $37,566,000 | 1,788 |
| Average total loans | $360,982,800 | 1,339 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4826% | 4,504 |
| Cost of funding earning assets | 2.9157% | 431 |
| Net interest margin | 2.5669% | 7,388 |
| Noninterest income to average assets | 0.1225% | 7,277 |
| Noninterest expense to average assets | 1.9270% | 7,501 |
| Loan and lease loss provision to assets | 1.0921% | 1,790 |
| Net operating income to assets | -0.2524% | 6,143 |
| Return on assets (ROA) | -0.2062% | 6,085 |
| Pretax return on assets | -0.3730% | 6,166 |
| Return on Equity (ROE) | -2.6463% | 6,186 |
| Retained earnings to average equity (ytd only) | -2.6463% | 5,853 |
| Net charge-offs to loans | 1.2985% | 1,578 |
| Credit loss provision to net charge-offs | 110.7063% | 4,595 |
| Earnings coverage of net charge-offs (x) | 0.6558% | 5,376 |
| Efficiency ratio | 74.8657% | 3,715 |
| Assets per employee ($millions) | 7.4663% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8869% | 2,065 |
| Loan loss allowance to noncurrent loans | 24.3226% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 5.9372% | 914 |
| Noncurrent loans to loans | 7.7579% | 652 |
| Net loans and leases to total assets | 72.5374% | 2,910 |
| Net loans and leases to deposits | 95.4702% | 1,649 |
| Net loans and leases to core deposits | 128.3940% | 1,546 |
| Total domestic deposits to total assets | 75.9792% | 6,582 |
| Equity capital to assets | 8.2526% | 6,556 |
| Core capital (leverage) ratio | 8.1153% | 6,161 |
| Tier 1 risk-based capital ratio | 11.0469% | 5,901 |
| Total risk-based capital ratio | 12.3049% | 5,855 |
| Memoranda: |
| Average total assets | $482,258,500 | 1,453 |
| Average earning assets | $460,576,250 | 1,386 |
| Average equity | $37,586,500 | 1,804 |
| Average total loans | $366,376,000 | 1,334 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5641% | 4,255 |
| Cost of funding earning assets | 3.0003% | 476 |
| Net interest margin | 2.5638% | 7,398 |
| Noninterest income to average assets | 0.1218% | 7,371 |
| Noninterest expense to average assets | 1.9226% | 7,596 |
| Loan and lease loss provision to assets | 0.2674% | 4,446 |
| Net operating income to assets | 0.2967% | 4,913 |
| Return on assets (ROA) | 0.2970% | 5,024 |
| Pretax return on assets | 0.3846% | 4,975 |
| Return on Equity (ROE) | 3.8842% | 4,544 |
| Retained earnings to average equity (ytd only) | 3.8842% | 3,124 |
| Net charge-offs to loans | 0.4643% | 2,970 |
| Credit loss provision to net charge-offs | 75.1445% | 5,316 |
| Earnings coverage of net charge-offs (x) | 1.8312% | 4,197 |
| Efficiency ratio | 74.6884% | 3,923 |
| Assets per employee ($millions) | 7.6750% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6590% | 2,491 |
| Loan loss allowance to noncurrent loans | 28.8862% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 4.4337% | 1,274 |
| Noncurrent loans to loans | 5.7431% | 975 |
| Net loans and leases to total assets | 73.1279% | 2,928 |
| Net loans and leases to deposits | 97.7281% | 1,562 |
| Net loans and leases to core deposits | 131.3285% | 1,464 |
| Total domestic deposits to total assets | 74.8279% | 6,792 |
| Equity capital to assets | 8.1245% | 6,603 |
| Core capital (leverage) ratio | 8.2532% | 5,882 |
| Tier 1 risk-based capital ratio | 10.8344% | 6,048 |
| Total risk-based capital ratio | 12.0890% | 5,976 |
| Memoranda: |
| Average total assets | $486,219,670 | 1,457 |
| Average earning assets | $465,085,000 | 1,390 |
| Average equity | $37,176,000 | 1,835 |
| Average total loans | $372,581,330 | 1,328 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6707% | 3,942 |
| Cost of funding earning assets | 3.1005% | 461 |
| Net interest margin | 2.5702% | 7,410 |
| Noninterest income to average assets | 0.1124% | 7,470 |
| Noninterest expense to average assets | 1.8032% | 7,696 |
| Loan and lease loss provision to assets | 0.2871% | 3,661 |
| Net operating income to assets | 0.3643% | 4,999 |
| Return on assets (ROA) | 0.3643% | 5,184 |
| Pretax return on assets | 0.4873% | 5,114 |
| Return on Equity (ROE) | 4.9167% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.9167% | 3,173 |
| Net charge-offs to loans | 0.1129% | 4,063 |
| Credit loss provision to net charge-offs | 327.1028% | 1,517 |
| Earnings coverage of net charge-offs (x) | 8.8224% | 2,140 |
| Efficiency ratio | 69.9554% | 4,588 |
| Assets per employee ($millions) | 7.8729% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7089% | 2,113 |
| Loan loss allowance to noncurrent loans | 31.2464% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 4.2232% | 1,186 |
| Noncurrent loans to loans | 5.4692% | 944 |
| Net loans and leases to total assets | 75.6842% | 2,350 |
| Net loans and leases to deposits | 101.5526% | 1,223 |
| Net loans and leases to core deposits | 134.7255% | 1,375 |
| Total domestic deposits to total assets | 74.5271% | 6,799 |
| Equity capital to assets | 8.0663% | 6,718 |
| Core capital (leverage) ratio | 8.0693% | 6,344 |
| Tier 1 risk-based capital ratio | 10.7309% | 6,156 |
| Total risk-based capital ratio | 11.9871% | 6,057 |
| Memoranda: |
| Average total assets | $487,565,500 | 1,457 |
| Average earning assets | $467,669,000 | 1,392 |
| Average equity | $36,122,000 | 1,899 |
| Average total loans | $379,092,500 | 1,318 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4305% | 3,274 |
| Cost of funding earning assets | 3.6164% | 360 |
| Net interest margin | 2.8141% | 7,306 |
| Noninterest income to average assets | 0.1376% | 7,418 |
| Noninterest expense to average assets | 1.9034% | 7,606 |
| Loan and lease loss provision to assets | 0.9086% | 1,643 |
| Net operating income to assets | 0.0160% | 6,323 |
| Return on assets (ROA) | -0.2550% | 6,532 |
| Pretax return on assets | -0.3437% | 6,496 |
| Return on Equity (ROE) | -3.6960% | 6,706 |
| Retained earnings to average equity (ytd only) | -6.0155% | 6,667 |
| Net charge-offs to loans | 0.4327% | 2,659 |
| Credit loss provision to net charge-offs | 272.3988% | 1,688 |
| Earnings coverage of net charge-offs (x) | 2.7913% | 4,693 |
| Efficiency ratio | 67.1530% | 4,882 |
| Assets per employee ($millions) | 7.4925% | 567 |
| Cash dividends to net income (ytd only)* | -62.7547% | 8,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6164% | 2,174 |
| Loan loss allowance to noncurrent loans | 37.2222% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 3.4211% | 1,305 |
| Noncurrent loans to loans | 4.3425% | 1,105 |
| Net loans and leases to total assets | 77.2370% | 2,321 |
| Net loans and leases to deposits | 104.7342% | 1,268 |
| Net loans and leases to core deposits | 136.3069% | 1,472 |
| Total domestic deposits to total assets | 73.7457% | 6,696 |
| Equity capital to assets | 6.7495% | 7,857 |
| Core capital (leverage) ratio | 6.6965% | 7,860 |
| Tier 1 risk-based capital ratio | 8.9449% | 7,819 |
| Total risk-based capital ratio | 10.2003% | 7,828 |
| Memoranda: |
| Average total assets | $481,201,800 | 1,425 |
| Average earning assets | $461,144,400 | 1,352 |
| Average equity | $33,197,800 | 2,038 |
| Average total loans | $370,897,200 | 1,310 |
